This document provides an overview of the top 200 banks in Central and Eastern Europe in 2009 according to total assets. It includes analysis of the size and growth trends of banking markets across 15 CEE countries from 2007-2009. It also lists the top 200 banks with details on their 2009 total assets, equity, net profit and major shareholders. The largest banks are PKO Bank Polski, Bank Pekao, and Československá obchodní banka from Poland, Czech Republic, and Hungary respectively.

1. TOP 200 BANKS IN CEE – 2010 EDITION
September 2010
by Inteliace Research

2. TABLE OF CONTENTS
1. CEE-15 Banking Market
Slide 1: CEE banking markets: size vs. growth matrix, 2007-2009
Slide 2: Banking assets penetration
Slide 3: Bank assets in CEE-15 by country, 2008-2009
Slide 4: Top 10 Investors in CEE banks, 2009
Slide 5: Report coverage: Number of large banks by country, 2008/2009
Slide 6: CEE-15 and Top 200 assets evolution 2007/2009
TOP 200 BANKS IN CEE-15 – 2010 EDITION
Slide 7: Profitability of Top 200 banks, 2009: ROAE, ROAA
2. List of 200 major banks on the CEE-15 banking market as of 2009
Slide 8: Top 200 - League table: Banks 1-25
Slide 9: Top 200 - League table: Banks 26-50
Slide 10: Top 200 - League table: Banks 51-75
Slide 11: Top 200 - League table: Banks 76-100
Slide 12: Top 200 - League table: Banks 101-125
Slide 13: Top 200 - League table: Banks 126-150
Slide 14: Top 200 - League table: Banks 151-175
Slide 15: Top 200 - League table: Banks 176-200
Note on methodology
2
Inteliace Research

3. AGENDA
TOP 200 BANKS IN CEE-15 – 2010 EDITION
 CEE-15 Banking Market
 TOP 200 CEE banks – league table
3
Inteliace Research

4. BANKING MARKETS IN THE CEE-15* AREA – SIZE VS.GROWTH
CEE-15* banking markets - Size vs. growth matrix, 2007-2009
28 Slovenia
Low growth Moderate growth
26 52
24
22
Banking assets per capita, 2009, `000 EUR
Total banking
TOP 200 BANKS IN CEE-15 – 2010 EDITION
20 x assets, 2009
18 in billion EUR
Estonia Czech
16 Republic
21
155 Croatia Hungary
14
31
Slovakia 126
12 Latvia 53
10 53
Lithuania
Poland
8
24 Bulgaria
258
6 Romania
4
36
BiH 78
11 23
2 7 5 FYROM
Albania Serbia (Macedonia)
0
-1% 1% 3% 5% 7% 9% 11%
Average annual assets growth (CAGR), 2007-2009, in EUR, %
4
* Major 15 CEE countries. Russia, Ukraine and Belarus not included
Inteliace Research
Source: Central banks, IMF, Inteliace Research

5. ASSET PENETRATION VARIES STRONGLY ACROSS THE CEE-15 AREA
Banking assets/capita, 2009 Banking assets/GDP, 2009
EUR `000 percent
Slovenia 25.7 Latvia 167%
Estonia 15.4 Estonia 150%
TOP 200 BANKS IN CEE-15 – 2010 EDITION
Czech Rep 14.8 Slovenia 144%
Latvia 13.5 Hungary 132%
Hungary 12.6 Croatia 116%
Croatia 11.9 Czech Rep 112%
Slovak Rep 9.8 Bulgaria 111%
Lithuania 7.2 Lithuania 93%
Poland 6.8 BiH 85%
Bulgaria 4.8 Slovak Rep 82%
Romania 3.5 Albania 81%
Serbia 3.0 Poland 79%
BiH 2.6 CEE-15 Macedonia 77% CEE-15
weighted weighted
Macedonia 2.4 average: 7.4 Serbia 73% average: 96
Albania 2.0 Romania 67%
5
Source: Central banks, IMF, National Statistical Offices Inteliace Research

6. IN 2009, BANKING ASSETS IN CEE-15 COUNTRIES INCREASED BY ~1%, REACHING EUR 932
BILLION Highest
growth
rate
in EUR billion Assets increase during ’09, due to: Assets
Nominal Local currency growth
Banking Assets, EoY 2008 Growth* appreciation** Banking Assets, EoY 2009 %
Poland 249.7 4.6 3.9 258.2 3.4
Czech Rep 150.2 1.7 2.6 154.6 2.9
Hungary 121.3 7.6 -2.7 126.2 4.0
TOP 200 BANKS IN CEE-15 – 2010 EDITION
Romania 79.0 3.9 -4.5 78.3 -0.8
Slovak Rep 63.9 -10.9 0 53.0 -17.0
Croatia 51.6 1.1 0.1 52.8 2.3
Slovenia 47.6 4.2 0 51.8 8.8
Bulgaria 35.6 0.7 0 36.3 2.0
Latvia 33.0 -2.2 0 30.8 -6.7
Lithuania 25.9 -1.6 0 24.3 -6.2
Estonia 20.1 -1.3 0 22.5 12.4
Serbia 21.9 4.0 -1.5 20.6 -6.1
BiH 10.8 -0.2 0 10.6 -1.6
Albania 6.8 0.4 -0.7 -4.3
6.5
Macedonia 4.6 0.4 0 8.5
5.0
Total CEE 15 922 13 -3 932 1.1
* Growth (during 2009) in local currency divided by exchange rate as of EoY 2009
6
** Appreciation vs. EUR Inteliace Research
Source: Central banks, Inteliace Research

7. UNICREDIT IS THE MAJOR FOREIGN INVESTOR IN CEE BANKING SECTOR
Top 10 foreign investors in CEE banks, 2009
Controlled assets Number of countries Market share*
Rank Bank EUR billion where bank is present percent
UniCredit 82.0 12 9.3
1
Erste 8.4
TOP 200 BANKS IN CEE-15 – 2010 EDITION
2 73.7 6
3 KBC 72.6 9 8.3
4 Raiffeisen 56.9 11 6.5
5 Société Générale 48.5 7 5.5
6 Intesa Sanpaolo 36.2 8 4.1
7 ING 23.7 5 2.7
8 Commerzbank 22.5 3 2.6
9 Swedbank 20.9 3 2.4
10 OTP 17.8 6 2.0
454.9 51.8 7
* Share in CEE region (combined)
Inteliace Research
Source: Banks, Inteliace Research

8. ALMOST THE HALF OF TOP CEE BANKS COME FROM 4 MAJOR MARKETS: POLAND, CZECH
REPUBLIC, HUNGARY AND ROMANIA
TOP 200 banks in CEE - number of banks by country*
Report Coverage as of 2009 change 2009/2008
Countries Poland 30 -2
covered
Estonia
Czech Rep 24 -1
Latvia Hungary 22 1
TOP 200 BANKS IN CEE-15 – 2010 EDITION
Lithuania
Romania 21 1
Russia
Belarus Slovenia 18 0
Poland Bulgaria 14 0
Germany
Slovak Rep 13 -1
Ukraine
Czech
Slovakia Serbia 13 1
Austria Latvia 11 0
Hungary
Romania Croatia
Slovenia 9 -1
Croatia
Bosnia Lithuania 8 1
Serbia
Bulgaria
Montenegro** Bosnia 6 1
Macedonia
Albania Albania 4 0
Greece Estonia 4 0
Macedonia 3 0
* Top 200 qualifying condition: Assets worth EUR 571 m. (2009) vs. EUR 654 m. (2008) 8
** Montenegro not included
Source: Banks, Inteliace Research Inteliace Research

9. TOP 200 CEE BANKS ACCOUNT FOR MORE THAN 90% OF CEE BANKING ASSETS
CEE-15 bank assets, 2007-2009 Assets value of bank #200 in CEE-15
EUR billion, percent EUR million
2009/2007
x
CAGR, %
TOP 200 BANKS IN CEE-15 – 2010 EDITION
932 +7
922
100% = 819 +8 -4
9.3 9.7
9.5 654
Other 618
571
+6
TOP 90.7 90.3
200 90.5
banks
2007 2008 2009 2007 2008 2009
TOP200 banks hold most banking Top 200 league „qualifying level”
assets on CEE15 markets fell down in 2009
9
Source: Inteliace Research Inteliace Research

10. PROFITABILITY OF CEE BANKS DECREASED IN 2009
ROAE** distribution for Top 200*, 2009 Top 200 - average profitability ratios*, 2008-2009
in percent in percent
as of 2008 as of 2009
ROAE**
50
TOP 200 BANKS IN CEE-15 – 2010 EDITION
40
30
ROAE** 15.47 6.81
20
10
0
-10 0 5 10 15 20 25 30 35
-20 Asset size
billion EUR
-30 ROAA** 1.31 0.61
-40
-50
Number of banks
reporting a
net loss in 2009: 40 CEE banks profitability fell down
sharply in 2009
* Not weighted average for 180 banks. Excluded branches of foreign banks 10
** ROAE – Return on average equity, ROAA – Return on average assets
Source: Inteliace Research Inteliace Research

11. AGENDA
TOP 200 BANKS IN CEE-15 – 2010 EDITION
 CEE Banking Market
 TOP 200 CEE banks – league table
11
Inteliace Research

12. TOP 200 BANKS IN CEE - LEAGUE TABLE (1/8) UNCONSOLIDATED
FIGURES
2009 2008 2009 2009
Rank Rank
Bank Name Country Assets Assets Equity Net profit Major Shareholder
2009 2008
EURm EURm EURm EURm
1 1 PKO Bank Polski S.A. Poland 37,402 31,458 4,912 592 State
2 2 Bank Pekao S.A. Poland 30,895 30,676 4,374 599 UniCredit
3 4 Československá obchodní banka a.s. Czech Republic 28,444 26,230 2,305 816 KBC
4 3 Česká spořitelna a.s. Czech Republic 27,772 27,063 2,177 425 Erste Group
5 6 OTP Bank Nyrt. Hungary 24,948 21,800 3,514 584 Various legal subjects
6 5 Komerční banka a.s. Czech Republic 22,862 22,650 2,367 392 Société Générale
TOP 200 BANKS IN CEE-15 – 2010 EDITION
7 7 BRE Bank S.A. Poland 17,675 17,343 928 14 Commerzbank
8 10 Nova Ljubljanska banka d.d. Slovenia 15,509 14,477 1,178 -24 State
9 9 Banca Comercială Română S.A. Romania 15,262 16,187 1,503 263 Erste Group
10 8 ING Bank Śląski S.A. Poland 14,545 16,667 1,148 142 ING
11 14 Zagrebačka Banka D.D. Croatia 12,704 12,205 1,934 166 UniCredit
12 11 BZ WBK S.A. Poland 12,644 13,233 1,337 240 AIB
13 12 Slovenská sporiteľňa a.s. Slovak Republic 11,333 12,359 753 12 Erste Group
14 15 Kereskedelmi és Hitelbank Zrt. Hungary 11,255 12,005 670 68 KBC
15 13 BRD Groupe Société Générale S.A. Romania 10,962 12,356 1,098 184 Société Générale
16 22 MKB Bank Zrt. Hungary 10,733 10,033 952 48 BayernLB
17 25 Erste Bank Hungary Nyrt. Hungary 10,717 9,940 625 87 Erste Group
18 17 Bank Millennium S.A. Poland 10,703 11,028 613 20 BCP
19 16 CIB Bank Zrt. (c) Hungary 10,180 11,477 980 17 Intesa Sanpaolo
20 21 UniCredit Bank Czech Republic a.s. Czech Republic 9,999 10,348 1,114 105 UniCredit
21 18 Všeobecná úverová banka a.s. Slovak Republic 9,550 10,852 964 146 Intesa Sanpaolo
22 26 Kredyt Bank S.A. Poland 9,472 9,257 646 40 KBC
23 19 Swedbank Estonia 9,288 10,679 535 -78 Swedbank
24 23 Raiffeisen Bank Zrt. Hungary 9,086 10,051 508 16 Raiffeisen
25 20 Tatra banka a.s. (c) Slovak Republic 9,014 10,551 808 95 Raiffeisen
FB – Foreign bank branches, typically do not report equity on non-home markets
12
(c) – Consolidated figure
Inteliace Research
Source: Inteliace Research

13. TOP 200 BANKS IN CEE - LEAGUE TABLE (2/8) UNCONSOLIDATED
FIGURES
2009 2008 2009 2009
Rank Rank
Bank Name Country Assets Assets Equity Net profit Major Shareholder
2009 2008
EURm EURm EURm EURm
26 24 Citibank handlowy S.A. Poland 8,874 9,886 1,493 128 Citibank
27 27 Privredna Banka Zagreb D.D. Croatia 8,831 8,703 1,342 113 Intesa Sanpaolo
28 66 BPH/GE Poland 8,317 3,779 837 14 GE Capital
29 28 BGK S.A. Poland 8,047 6,572 1,325 21 State
30 41 Getin Noble Bank Poland 8,045 5,586 699 77 GETIN Holding SA
31 35 OTP Jelzálogbank Zrt. Hungary 7,313 6,036 339 111 OTP
TOP 200 BANKS IN CEE-15 – 2010 EDITION
32 31 Raiffeisenbank a.s. Czech Republic 7,301 6,749 497 75 Raiffeisen
33 29 AB SEB Bankas Lithuania 6,966 7,481 412 -448 SEB
34 34 Erste & Steiermärkische Bank D.D. Croatia 6,699 6,222 759 83 Erste Group
35 32 UniCredit Bank Hungary Zrt. (c) Hungary 6,414 6,654 585 57 UniCredit
36 30 Swedbank Latvia 6,344 7,479 748 -427 Swedbank
37 44 Hypoteční banka a.s. Czech Republic 6,228 5,131 777 52 KBC (via ČSOB)
38 36 Českomoravská stavební spořitelna a.s. Czech Republic 6,089 5,776 312 64 KBC (via ČSOB)
39 38 BGŻ S.A. Poland 5,943 5,761 525 26 Rabobank
40 40 Unicredit Bulbank Bulgaria 5,889 5,631 835 99 UniCredit
41 42 Raiffeisenbank Austria D.D. Croatia 5,406 5,512 745 56 Raiffeisen
42 46 Polbank EFG Poland 5,354 4,900 FB -41 EFG Eurobank
43 71 Hypo Alpe-Adria-Bank D.D. Croatia 5,269 3,604 870 16 Hypo Alpe-Adria-Bank
44 39 AB Swedbank Lithuania 5,250 5,760 518 -305 Swedbank
45 33 Československá obchodná banka a.s. Slovak Republic 5,246 6,626 558 -15 KBC
46 43 Volksbank România S.A. Romania 5,139 5,360 295 n/a Volksbank International
47 37 Raiffeisen Bank Polska S.A. Poland 5,112 5,770 566 29 Raiffeisen
48 69 GE Money Bank a.s. Czech Republic 5,099 3,660 859 80 GE Capital
49 55 Alpha Bank Romania S.A. Romania 5,012 4,377 265 15 Alpha Bank
50 64 Nordea Poland 4,972 3,779 293 35 Nordea Bank
FB – Foreign bank branches, typically do not report equity on non-home markets 13
(c) – Consolidated figure
Source: Inteliace Research Inteliace Research

14. TOP 200 BANKS IN CEE - LEAGUE TABLE (3/8) UNCONSOLIDATED
FIGURES
2009 2008 2009 2009
Rank Rank
Bank Name Country Assets Assets Equity Net profit Major Shareholder
2009 2008
EURm EURm EURm EURm
51 49 Fortis BNP Poland 4,944 4,767 333 -104 BNP
52 74 CEC Bank S.A. Romania 4,921 3,397 384 4 (g) State
53 56 UniCredit Tiriac Bank S.A. Romania 4,833 4,379 515 81 UniCredit
54 53 Nova KBM d.d. Slovenia 4,789 4,565 368 12 State
55 50 Raiffeisen Bank S.A. Romania 4,733 4,738 443 n/a Raiffeisen
56 57 Banca Transilvania S.A. Romania 4,606 4,270 420 15 EBRD
TOP 200 BANKS IN CEE-15 – 2010 EDITION
57 62 Abanka Vipa d.d. Slovenia 4,512 3,823 364 23 State
58 54 Dsk Bank Bulgaria 4,468 4,432 720 88 OTP
59 48 ING Bank N.V. Prague Branch Czech Republic 4,274 4,777 FB 35 ING
60 61 Magyar Fejlesztési Bank Zrt. Hungary 4,239 3,876 524 15 State
61 59 United Bulgarian Bank Bulgaria 4,167 3,960 534 51 NBG
62 52 AS SEB Pank Estonia 4,137 4,615 351 -93 SEB
63 68 DB PBC Poland 4,124 3,728 315 -10 Deutsche Bank
64 60 Citibank Europe plc organizační složka Czech Republic 4,005 3,888 FB n/a Citibank
65 58 SEB banka Latvia 3,818 4,296 305 -180 SEB
66 70 Stavební spořitelna České spořitelny a.s. Czech Republic 3,810 3,648 210 57 Raiffeisen
67 67 Splitska Banka D.D. Croatia 3,781 3,743 435 43 Societe Generale
68 47 Parex banka Latvia 3,505 4,848 217 -158 legal subjects
69 63 AB DnB NORD bankas Lithuania 3,458 3,794 235 -117 DnB NORD
70 65 Bancpost S.A. Romania 3,451 3,761 365 n/a EFG Eurobank
71 72 Raiffeisenbank (Bulgaria) Bulgaria 3,395 3,517 463 26 Raiffeisen
72 73 BUDAPEST Bank Nyrt. Hungary 3,328 3,503 370 37 GE Capital
73 79 UniCredit Banka d.d. Slovenia 3,267 2,891 191 9 TRIGLAV, D.D.
74 80 Banca Intesa a.d. Beograd Serbia 3,212 2,824 297 63 Intesa Sanpaolo
75 75 Nordea Bank Finland Latvia branch Latvia 3,196 3,294 FB -23 Nordea Bank
FB – Foreign bank branches, typically do not report equity on non-home markets
(c) – Consolidated figure
14
(g) – Gross profit as at 30 June 2009
Inteliace Research
Source: Inteliace Research

15. TOP 200 BANKS IN CEE - LEAGUE TABLE (4/8) UNCONSOLIDATED
FIGURES
2009 2008 2009 2009
Rank Rank
Bank Name Country Assets Assets Equity Net profit Major Shareholder
2009 2008
EURm EURm EURm EURm
76 51 UniCredit Bank Slovakia a.s. Slovak Republic 3,185 4,652 428 22 UniCredit
77 93 Nordea Bank Estonia 3,101 2,547 FB 1 Nordea Bank
78 78 Raiffeisen stavebni spořitelna a.s. Czech Republic 3,096 2,964 133 32 Société Générale
79 82 Eurobank EFG Bulgaria Bulgaria 3,081 2,780 383 10 EFG Eurobank
80 87 FHB Jelzálogbank Nyrt. Hungary 3,046 2,696 282 24 Vienna Capital Partners
81 86 BPS Poland 3,036 2,702 114 14 Co-operatives
TOP 200 BANKS IN CEE-15 – 2010 EDITION
82 106 SID banka d.d. Ljubljana Slovenia 3,025 2,088 322 1 UniCredit
83 88 Lukas Bank Poland 3,018 2,675 301 13 Crédit Agricole
84 89 BOS Poland 2,916 2,659 214 3 State
85 90 Modrá pyramida stavební spořitelna a.s. Czech Republic 2,874 2,626 159 17 Commerzbank
86 91 SKB banka d.d. Slovenia 2,737 2,600 256 23 State
87 118 Eurobank Poland 2,683 1,799 216 24 Société Générale
88 84 ING Bank N.V. Romania 2,598 2,738 FB n/a ING
89 96 Banka Celje d.d. (c) Slovenia 2,560 2,415 199 7 Société Générale
90 83 DnB NORD Banka Latvia 2,514 2,783 178 -124 DnB NORD
91 76 COMMERZBANK AG Prague Branch Czech Republic 2,503 3,287 FB 20 State
92 85 Dexia banka Slovensko a. s. Slovak Republic 2,468 2,718 82 -13 Dexia
93 95 Banka Koper d.d. Slovenia 2,426 2,502 258 22 KBC
94 97 Santander Poland 2,414 2,416 211 6 Santander
95 77 Citibank Zrt. Hungary 2,372 3,027 289 80 Citibank
96 94 Nordea Bank, Lietuvos skyrius Lithuania 2,369 2,506 FB -12 Nordea Bank
97 81 Českomoravská záruční a rozvojová banka a.s. Czech Republic 2,348 2,801 206 31 State
98 102 Hypo Alpe-Adria-bank d.d. Slovenia 2,332 2,262 194 3 Intesa Sanpaolo
99 98 Piraeus Bank Romania S.A. Romania 2,251 2,325 262 n/a Piraeus Bank
100 103 Raiffeisen BANK d.d. BiH BiH 2,146 2,183 188 4 Raiffeisen
FB – Foreign bank branches, typically do not report equity on non-home markets 15
(c) – Consolidated figure
Source: Inteliace Research Inteliace Research

16. TOP 200 BANKS IN CEE - LEAGUE TABLE (5/8) UNCONSOLIDATED
FIGURES
2009 2008 2009 2009
Rank Rank
Bank Name Country Assets Assets Equity Net profit Major Shareholder
2009 2008
EURm EURm EURm EURm
101 114 Komercijalna banka a.d. Beograd Serbia 2,141 1,928 178 22 State
102 104 First Investment Bank Bulgaria 2,094 2,176 209 16 private individuals
103 92 Danske Bank Estonia 2,093 (x) 2,592 FB -131 (g) Danske Bank
104 134 Poštová banka a.s. Slovak Republic 2,080 1,460 165 23 ISTROKAPITAL SE
105 100 Banca Românească S.A. NBG Romania 2,041 2,308 228 2 NBG
106 116 Raiffeisen banka a.d. Beograd Serbia 2,018 1,816 286 0 Raiffeisen
TOP 200 BANKS IN CEE-15 – 2010 EDITION
107 112 Prvá stavebná sporiteľňa a.s. Slovak Republic 2,000 1,949 253 28 Swab. Hall, Raiffeisen
108 115 Gorenjska Banka d.d. Slovenia 1,938 1,826 373 34 Hypo Alpe-Adria-Bank
109 110 Hrvatska Poštanska Banka D.D. Croatia 1,914 1,998 89 -61 State
110 121 DnB NORD Poland 1,887 1,739 145 -19 DnB NORD
111 127 Česká exportní banka a.s. Czech Republic 1,879 1,578 112 4 Volksbank International
112 105 Piraeus Bank Bulgaria Bulgaria 1,853 2,118 266 23 Piraeus Bank
113 124 AB bankas Snoras Lithuania 1,837 1,649 146 3 private individuals
114 108 Raiffeisen Bank Sh.a. (c) Albania 1,835 2,048 178 34 Raiffeisen
115 119 Volksbank CZ a.s. Czech Republic 1,799 1,774 207 7 PPF Group N.V.
116 122 UniCredit Bank d.d. BiH 1,765 1,688 188 15 UniCredit
117 113 AIG Poland 1,756 1,936 250 7 AIG
118 109 Magyarországi Volksbank Zrt. Hungary 1,728 2,024 n/a -8 Volksbank International
119 120 Otp Banka Hrvatska D.D. Croatia 1,717 1,747 219 12 OTP
120 101 RBS Bank Romania S.A. Romania 1,697 2,295 150 n/a RBS
121 123 PPF banka a.s. Czech Republic 1,634 1,660 133 31 Wüstenrot & Württembergische
122 117 Danske Bank A/S, Lietuvos filialas Lithuania 1,579 1,803 FB -126 Danske Bank
123 130 HSBC Bank plc - pobočka Praha (y) Czech Republic 1,553 1,527 FB -15 legal subjects
124 219 Alior Poland 1,545 531 238 -66 Carlo Tassara
125 137 Eurobank EFG a.d. Beograd Serbia 1,532 1,400 328 29 EFG Eurobank
FB – Foreign bank branches, typically do not report equity on non-home markets
(c) – Consolidated figure
(x) – Data as at 30 September 2009; (y) – Data as at 31 December 2008
16
(g) – Gross profit
Inteliace Research
Source: Inteliace Research

17. TOP 200 BANKS IN CEE - LEAGUE TABLE (6/8) UNCONSOLIDATED
FIGURES
2009 2008 2009 2009
Rank Rank
Bank Name Country Assets Assets Equity Net profit Major Shareholder
2009 2008
EURm EURm EURm EURm
126 145 Societe Generale Expressbank Bulgaria 1,477 1,285 179 12 Société Générale
127 144 Hypo Alpe-Adria Bank a.d. Beograd Serbia 1,451 1,291 216 23 Hypo Alpe-Adria-Bank
128 139 Gospodarczy Bank Wielkopolski Poland 1,432 1,382 75 6 Co-operatives
129 164 Unicredit Bank Srbija a.d. Beograd Serbia 1,416 1,010 166 10 UniCredit
130 128 VOLKSBANK Slovensko a.s. Slovak Republic 1,412 1,530 127 -7 Volksbank International
131 138 Aizkraukles banka Latvia 1,407 1,394 105 -27 private individuals
TOP 200 BANKS IN CEE-15 – 2010 EDITION
132 140 Magyar Takarékszövetkezeti Bank Zrt. Hungary 1,401 1,382 48 5 Co-operatives
133 146 Wüstenrot – stavební spořitelna a.s. Czech Republic 1,401 1,273 72 11 Wüstenrot Group
134 126 Rietumu Banka Latvia 1,392 1,585 188 12 private individuals
135 131 Calyon S.A. Czech Branch Czech Republic 1,387 1,520 FB 3 Crédit Agricole
136 125 OTP Banka Slovensko a.s. Slovak Republic 1,386 1,621 92 -25 OTP
137 142 Raiffeisen Banka d.d. Slovenia 1,382 1,340 72 0 Raiffeisen
138 135 J&T BANKA a.s. Czech Republic 1,381 1,436 124 9 legal subjects
139 129 Credit Europe Bank Romania S.A. Romania 1,343 1,527 120 n/a CREDIT EUROPE BANK N.V.
140 111 Rabobank Poland 1,332 1,951 56 4 Rabobank
141 99 ING Bank Zrt. Hungary 1,302 2,300 0 0 ING
142 150 Probanka d.d. Slovenia 1,274 1,192 112 5 Raiffeisen
143 141 Mortgage Bank Latvia 1,254 1,345 111 -77 State
144 149 AB Ūkio bankas Lithuania 1,222 1,223 114 -22 private individuals
145 159 AXA Kereskedelmi Bank Zrt. (x) Hungary 1,193 1,077 40 -2 AXA
146 157 Alpha Bank S.A.-Sofia Branch Bulgaria 1,146 1,096 FB -35 ALPHA BANK AE
147 147 Hypo Alpe-Adria-Bank d.d. Mostar BiH 1,142 1,237 93 -10 Hypo Alpe-Adria-Bank
148 170 AIK banka a.d. Niš Serbia 1,141 942 265 58 ATEBANK
149 152 LBBW Bank CZ a.s. Czech Republic 1,101 1,174 105 -29 LBBW
150 151 Banka Sparkasse d.d. Slovenia 1,093 1,182 96 0 legal subjects
FB – Foreign bank branches, typically do not report equity on non-home markets
17
(x) – as at 30 June 2009
Inteliace Research
Source: Inteliace Research

18. TOP 200 BANKS IN CEE - LEAGUE TABLE (7/8) UNCONSOLIDATED
FIGURES
2009 2008 2009 2009
Rank Rank
Bank Name Country Assets Assets Equity Net profit Major Shareholder
2009 2008
EURm EURm EURm EURm
151 155 BRE BH Poland 1,087 1,121 103 6 Commerzbank (BRE)
152 160 Citibank Europe Romania 1,074 1,060 FB n/a Citibank
153 156 UniCredit Bank Latvia 1,068 1,120 68 2 UniCredit
154 167 Stopanska banka AD Skopje Macedonia 1,067 966 122 11 NBG
155 173 Factor banka d.d. Slovenia 1,054 877 98 2 Erste Group
156 162 Volksbank D.D. Croatia 1,046 1,044 239 6 Volksbank International
TOP 200 BANKS IN CEE-15 – 2010 EDITION
157 158 Corporate Commercial Bank Bulgaria 1,041 1,077 141 31 legal subjects
158 182 Société Générale bank Srbija a.d. Beograd Serbia 1,040 811 135 17 Societe Generale S.A.
159 132 Deutsche Bank Poland 1,036 1,518 159 (c) 28 (c) Deutsche Bank
160 153 Merkantil Bank Zrt. Hungary 1,013 1,158 n/a 10 OTP
161 172 Komercijalna banka AD Skopje Macedonia 987 893 113 17 private individuals
162 169 Cibank Bulgaria 982 943 107 2 KBC
163 201 Bank Pocztowy Poland 953 647 66 2 State
164 175 Central Cooperative Bank Bulgaria 940 850 129 11 legal subjects
165 181 Banka Kombëtare Tregtare (c) Albania 927 827 59 5 Çalik Holding
166 177 Deželna banka Slovenije d.d. (c) Slovenia 911 839 78 0 legal subjects
167 166 Vojvođanska banka a.d. Novi Sad Serbia 909 979 170 11 NBG
168 161 Commerzbank (Budapest) Zrt. Hungary 908 1,057 83 -9 Commerzbank
169 174 Volksbank - Ljudska banka d.d. Slovenia 904 866 69 0 legal subjects
170 179 NLB Tutunska Banka Macedonia 895 829 70 7 KBC (via NLB)
171 165 Hypo Alpe-Adria-Bank d.d. Banja Luka BiH 852 979 72 1 Hypo Alpe-Adria-Bank
172 209 Banca Comercial Carpatica Romania 852 574 66 -5 private individuals
173 n/a FHB Kereskedelmi Bank Zrt. Hungary 850 575 n/a -11 Vienna Capital Partners
174 180 Allianz-Bulgaria Commercial Bank Bulgaria 836 832 74 3 Allianz
175 183 Mkb Unionbank Bulgaria 834 785 68 2 Bayern LB/MKB
FB – Foreign bank branches, typically do not report equity on non-home markets
18
(c) – Consolidated figure
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Source: Inteliace Research

19. TOP 200 BANKS IN CEE - LEAGUE TABLE (8/8) UNCONSOLIDATED
FIGURES
2009 2008 2009 2009
Rank Rank
Bank Name Country Assets Assets Equity Net profit Major Shareholder
2009 2008
EURm EURm EURm EURm
176 226 Garanti Bank International Romania 831 457 FB n/a legal subjects
177 163 ING Bank N.V. Slovak Republic 831 1,035 FB 4 ING
178 171 Intesa Sanpaolo Bank Albania (c) Albania 829 865 80 12 Intesa Sanpaolo
179 184 Waldviertler Sparkasse von 1842 AG Czech Republic 817 765 FB 1 Erste Group
180 168 Latvijas Krajbanka Latvia 808 964 71 -3 private individuals
181 197 Fundamenta-Lakáskassza Zrt. (c) Hungary 804 667 22 7 Schwäbisch Hall
TOP 200 BANKS IN CEE-15 – 2010 EDITION
182 187 Eximbank S.A. Romania 799 732 239 n/a State
183 136 Citibank Europe plc Slovak Republic 795 1,404 FB 3 Citibank
184 185 Magyar Export-Import Bank Zrt. Hungary 793 755 71 2 State
185 178 OTP Bank România S.A. Romania 789 836 93 n/a OTP
186 191 Poštna banka Slovenije d.d. Slovenia 787 703 39 5 Volksbank International
187 154 Banca Italo-Romena S.p.A. Romania 784 836 FB 38 Veneto Banca
188 199 Alpha Bank Srbija a.d. Serbia 768 658 173 -55 ALPHA BANK A.E.
189 194 Intesa Sanpaolo România Romania 723 701 129 0 Intesa Sanpaolo
190 192 Volksbank a.d. Srbija Serbia 721 702 143 9 Volksbank International
191 176 J&T BANKA a.s. Slovak Republic 687 849 FB 8 legal subjects
192 188 ProCredit Bank a.d. Beograd Serbia 677 731 67 8 ProCredit holding a.g.Frankfurt
193 190 NORVIK BANKA Latvia 664 729 86 6 private individuals
194 203 OTP Lakástakarékpénztár Zrt. Hungary 657 614 n/a n/a OTP
195 228 Poljoprivredna banka Agrobanka a.d. Beograd Serbia 615 447 152 13 State
196 198 Banka Tirana (c) Albania 613 661 79 3 Piraeus Bank
197 206 AB Šiaulių bankas Lithuania 598 594 74 -9 private individuals
198 200 NLB Razvojna banka BiH 594 654 41 4 KBC (via NLB)
199 n/a Intesa Sanpaolo Banka, d.d. BiH 593 517 63 2 Intesa Sanpaolo
200 193 BAWAG d.d. Slovenia 571 701 17 -3 State (via Nova KBM)
FB – Foreign bank branches, typically do not report equity on non-home markets 19
(c) – Consolidated figure
Source: Inteliace Research Inteliace Research

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