1. ČSOB Supports International Trade 2 st ČSOB Czech – Asian Business Forum Prague, 3th March 2007

2. 2 foreign and domestic payments (correspondent bank network) documentary business L/C, L/G FX spot and hedging local financing export credits and structured finance (acquisition, project and commodity finance) advisory services Role of banks in the International Trade

3. 3 General Company profile 1

4. 4 Corporate profile - KBC KBC is a financial services group active in the fields of banking, insurance and wealth management. One of the top bancassurers and asset managers in Belgium, the KBC Group also has a key position in Central and Eastern Europe and has the disposal of a European private banking network. The KBC Group was created in 2005 through the merger of KBC Bank & Insurance Holding Company and its parent company Almanij. It serves some 11 million customers and employs around 50 000 people.

5. 5 Severní Amerika USA Asie & Pacifik Austrálie Čína Hong Kong Indie Japonsko Malajsie Filipíny Singapur Taiwan Turkey Střední východ Dubaj KBC in the world

6. 6 KBC in Europe Top-3 bank/insurance player in CEE-5 Czech Republic Hungary Slovakia Poland Slovenia Top-3-player in Belgium Retail bancassurance Private banking Corporate banking European private banking network : >100 locations across 7 other countries France and Monaco Germany Luxembourg Netherlands Switzerland UK Selective corporate banking network : selective presence in 6 countries outside Belgium and CEE France Germany Ireland Netherlands Spain UK

7. 7 A1+F1+Short-term rating Standard & Poor’s -F1+Short-term rating AA-AALong-term rating KBC Insurance AA- Long-term rating KBC Bank A-1 P1 F1+Short-term rating A+Aa3AA-Long-term rating KBC Group Rating Moody’sFitchRatings P1 Aa2 - - Credit Ratings

8. 8 ČSOB 2

9. 9 Operates as :  universal bank  strong group offering a full range of banking and other financial services  bank with well diversified business: retail, SME, corporates, institutional clients, financial markets  bank with significant international involvement  100% owned by KBC Operates as :  universal bank  strong group offering a full range of banking and other financial services  bank with well diversified business: retail, SME, corporates, institutional clients, financial markets  bank with significant international involvement  100% owned by KBC No. 1 the Czech Republic No. 4 in the Slovak Republic 2nd largest bank in Central Europe Traditional market leader in international banking ČSOB belongs to major players in Central Europe

10. 10 2007 Financials Equity Total Assets Net Profit CAR (Capital adequacy ratio) EUR 2,200 million EUR 35,593 million EUR 418 million 11.28 per cent RatingsLong- term Short- term Other Moody´sA1Prime-1 Financial strength C- FitchA+F1IndividualB/CSupport1 Capital IntelligenceBBB+A2 Financial strength BBB + Support2 ČSOB ratings by Moody´s, and CI are at the same level as the country ceiling, i.e. the highest possible. Long-term rating from Fitch is one notch below the sovereign level. Credit Ratings and financials

11. 11 ČSOB Group confirms its character as a universal financial institution, strong in all clients´ segments. The largest contributor to the Group operating income (CZK 27.3 bn) is Retail with 50 %. SME and Corporate segments account for 17 % and 15 %, respectively. Segments’ contributions to operating income Subsidiaries Retail 21 % Retail, excl. PSB 14 % SME 16 % Other (excl. SI) 14 % Bank SR 9 % Corporate 11% Subsidiaries Corporate 2 % PSB 14 % SME Corp. Retail Other 2 % 1% 2 % 4 % Diversified Financial Services

12. 12 Award for excellence 2008 The Best Trade Finance Bank in the Czech Republic Award for excellence 2002 and 2003 The best bank in the Czech Republic The Best Corporate Bank of the year 2005 Bank of the year 2006 and 2007 in the Czech Republic Award for excellence 2003, 2004, 2005 and 2006 the Best FX Bank in the Czech Republic CSOB – International Awards

13. 13 KBC Group Trade Finance 3

14. 14 Group Trade Finance within KBC Group

15. 15 MLT Export Finance within KBC Group 4

16. 16 MLT Group Karel Vandebeek + 32 2 429 03 40 karel.vandebeek@kbc.be MLT Czech Rep. Michal Bakajsa + 420 224 114 374 mbakajsa@csob.cz (EGAP) MLT Slovak Rep. Lukac Cervenak + 421 259 668 306 lcervenak@csob.sk (EXIMBANKA SR) MLT Poland Krzysztof Michalski +48 22 634 54 24 krzysztof.michalski @kredytbank.pl (KUKE) MLT China Lambert Zheng +86 21 5879 1416µ lianglambert.zheng@kbc.be (Sinosure) MLT Belgium * Ilse Vercammen +32 2 429 86 92 Ilse.Vercammen@kbc.be (ONDD/Atradius/ODL/ Coface…) MLT Germany Dirk Stamer + 49 421 368 4422 dirk.stamer@kbc.be (Euler Hermes, Oekb) MLT Hungary Orsolya Szabo + 36 1 328 92 47 orsolya.szabo@khb.hu (MEHIB) Export out of Western Europe Export out of Central Europe Export out of China MLT Group Trade Finance Global approach, local teams * Covering also exports out of W. European countries other than Belgium

17. 17 * Covering also exports out of W. European countries other than Belgium Mission statement As an important European player in export finance, KBC offers integrated solutions for exports of capital goods out of any European country. For exports out of our home markets in Belgium and Central Europe, KBC is a market leader. We strongly believe in a client driven and creative approach through operational excellence and through partnership both with exporters, ECA’s as well as with local banks in target markets.

18. 18 CSOB Export and Structured Finance 5

19. 19 Organizational structure

20. 20 Why CSOB? 2008 The best TF Bank in the Czech Republic sustained market presence experienced team of export finance specialists hands-on experience with complex structured models of export financing access to state support through co-operation with Export Credit Agencies ◦EGAP, Czech Republic ◦EXIMBANKA SR, Slovak Republic access to KBC Group network including relevant ECAs Significant market share – 32% of newly signed EGAP covered transactions in 2007

21. 21  Advisory to the structure of contract and its structure  Consultations to the territorial specificity  Preparation of Indicative offer for tender purposes  Proposals of optimal structure of the financing in accordance to the individual needs and territorial conventions  Tailor-made conditions and documentation  Negotiation with EGAP/Eximbank SR Full package solution

22. 22 Medium and Long Term export credit Short Term export credit Pre-shipment financing Purchase of receivables both domestic and foreign Project finance, PPP Loan for investment abroad Product range

23. 23 extended to the importer or the importer's bank up to 85% of the contract value financing according to the OECD Guidelines political risk insurance commercial risk insurance extended to the importer or the importer's bank financing down-payment portion of the contract typically 1 to 4 years depending on the length of the construction period Comprehensive credit risk cover provided by ECA Commercial credit Export buyer´s credit Export Credit – Key Features

24. 24 Czech Exporter Importer Importer´s Bank (Borrower) Supply Contract Onlending / Loan Agreement (individual) Insurance Policy Agreement between Exporter and ČSOB Export Credit Structure

25. 25 extended to the exporter in the export contract export receivables sold to ČSOB ECA insurance cover (up to 90%) financing up to 90% of the export contract value deferred payment terms as defined in the export contract maximum tenor according to the contract and ECA cover Promissory Notes or Bills of Exchange invoices accompanied by acknowledgement of the debt by the importer Purchase of receivables Payment instruments Export supplier´s credit Purchase of receivables – Key Features

26. 26 extended to the Czech investors export receivables sold to ČSOB ECA insurance cover (up to 95%) Investor´s funds of 20-30% is a must Recourse to the investor Minimum tenor of 3 years From the project earnings Comprehensive credit risk cover provided by ECA Repayment Investment loan Loan for investment abroad

27. 27 By countries: ČSOB Export Finance Exposure

28. 28 Purpose:financing of Czech exports to Indonesia Vehicle:ECA-covered buyer´s credit in line with OECD Agreement on Officially Supported Export Credits Currency:EUR or USD Limit volume: EUR 40 mln. Max. tenor: 5Y repayment period; semi-annual instalments Interest:floating, LIBOR/EURIBOR based Interest Period: 6M Financing: up to 85% of contract volume General Loan Facility Agreement CSOB – Bank Mandiri

29. 29 Export Finance – Selected Credentials Kazakhstan Astana Finance Leasing EUR 7.2 Million Delivery of combines and seeder-cultivators - Case New Holland - Kazakhstan Astana Finance Leasing EUR 7.2 Million Delivery of combines and seeder-cultivators - Case New Holland - Saudi Arabia Abdullah A.M. Al-Khodari Sons Co. USD 10.54 Million Delivery of hydraulic excavators & wheel loaders - Caterpillar / Zahid Tractors - Saudi Arabia Abdullah A.M. Al-Khodari Sons Co. USD 10.54 Million Delivery of hydraulic excavators & wheel loaders - Caterpillar / Zahid Tractors - Turkey ETI Aluminium Cengiz Group EUR 16.3 million 5Y revolving credit Financing deliveries of cars and components Turkey ETI Aluminium Cengiz Group EUR 16.3 million 5Y revolving credit Financing deliveries of cars and components Philippines Metro Rail Transit Corporation USD 88,4 mil. 10Y export credit Trains, Components and services to Manila Light Rail Transport System Philippines Metro Rail Transit Corporation USD 88,4 mil. 10Y export credit Trains, Components and services to Manila Light Rail Transport System Kazakhstan Kazkommertsbank JSC EUR 6,8 mil. Short Term RevolvingFacility Delivery of Skoda Cars and components Kazakhstan Kazkommertsbank JSC EUR 6,8 mil. Short Term RevolvingFacility Delivery of Skoda Cars and components Indonésie PT. Bank Mandiri (Persero)Tbk. EUR/USD 40 mil. Up to 5Y export credits Framework Agreement Indonésie PT. Bank Mandiri (Persero)Tbk. EUR/USD 40 mil. Up to 5Y export credits Framework Agreement Tanzania Eastern and Southern African Trade and Development Bank (PTA Bank) USD 7.2 Million 7Y export credit Delivery of steam turbine generator set Tanzania Eastern and Southern African Trade and Development Bank (PTA Bank) USD 7.2 Million 7Y export credit Delivery of steam turbine generator set Ghana Ministry of Finance & Economic Planning, Ghana EUR 20.2 Million Koforidua Treatment Plant and Water Supply Project -Denys NV - Ghana Ministry of Finance & Economic Planning, Ghana EUR 20.2 Million Koforidua Treatment Plant and Water Supply Project -Denys NV -

30. 30 Radlická 333/150 150 57 Prague 5 Czech Republic Corporate and Institutional Banking Marek Ditz Executive Director Phone: +420 224 114 350 E-mail: mditz@csob.czmditz@csob.cz Export and Structured Trade Finance Michal Bakajsa Director Phone: +420 224 114 374 E-mail: mbakajsa@csob.czmbakajsa@csob.cz www.csob.cz Contacts: Československá obchodní banka, a. s. (ČSOB)

31. 31 Your export, our challenge!