6 K&H Group K&H Asset Management with HUF 120 billion in assets under management, third largest player, 8.3% market share, wide range of funds K&H Medicina Health Fund the first nationwide health fund operated by a bank K&H Leasing Group with a portfolio of HUF 140 billion, 400 partners nationwide, second largest market player, 80,000 clients K&H Life Insurance with a premium income of HUF 4 billion, 35,000 clients, comprehensive insurance services K&H Equities a wide range of capital market services for domestic and foreign private, as well as corporate clients
7 market share I. figures by assets 30 September 2003 HUF bln K&H Bank: IAS, consolidated datas; other banks: HAS, non-consolidated datas
8 market share II. operating profit 30 September 2003 HUF bln K&H Bank: IAS, consolidated datas; other banks: HAS, non-consolidated datas
15 mission statement By combining best international practice with sound local knowledge we aim to provide: our clients with a distinctively modern banking service which begins with their needs and concludes with the delivery of effective solutions at competitive prices; our staff with clear goals, strong leadership, transparent reward programs and attractive career path choices; and our shareholders with growing and sustainable profitability at above average returns.
16 strategy To fulfill our mission we are developing a client needs approach to marketing and sales drawing upon the resources of our shareholders to offer effective and modern client solutions simplifying and rationalizing back office systems and procedures to improve efficiency and enhance control seeking to achieve a better balance between Corporate and Retail contributions
17 on top of my agenda corporate governance strategy implementation credit risk Leasing systems (including K2)