1. 1 Development of total loans (in % of GDP) Year-end figures, * forecast Source: BA-CA Economics Department % CEE*... excl. Russia and Ukraine CEE total... incl. Russia and Ukraine

2. 2 Development of personal loans (per capita in euros) 20042008* Personal loans Poland6881062 Hungary11852140 Czech Rep.9661930 Slovakia6251391 Slovenia15862471 Estonia15453474 Latvia8601796 Lithuania373878 Croatia19792877 Bulgaria287673 Romania135464 Serbia111301 Bosnia352648 CEE*6401170 Ukraine53242 Russia120441 CEE total308689 (per capita in euros) PLHCZSKSIESTLVLT HRBGROSCGBAUARUS CEE total euro area 0 1000 2000 3000 4000 2004 2008* ~12.400 euros Year-end figures, * forecast Source: BA-CA Economics Department CEE*... excl. Russia and Ukraine CEE total... incl. Russia and Ukraine

3. 3 Development of total deposits (in % of GDP) 20042008* Deposits Poland3937 Hungary4042 Czech Rep.6465 Slovakia53 Slovenia5152 Estonia4454 Latvia3138 Lithuania2734 Croatia6062 Bulgaria3948 Romania2430 Serbia2029 Bosnia4154 CEE*4344 Ukraine2333 Russia1622 CEE total3132 (in % of GDP) PLHCZSKSIESTLVLTHRBGROSCGBAUARUSCEE total euro area 0 20 40 60 80 2004 2008* % 73 Year-end figures, * forecast Source: BA-CA Economics Department CEE*... excl. Russia and Ukraine CEE total... incl. Russia and Ukraine

4. 4 Development of personal deposits (per capita in euros) 20042008* Deposits Poland12721651 Hungary20732694 Czech Rep.32624502 Slovakia19612373 Slovenia49086075 Estonia12922054 Latvia8321361 Lithuania8111464 Croatia26873497 Bulgaria5911069 Romania4151095 Serbia221437 Bosnia352637 CEE*13311898 Ukraine142376 Russia387962 CEE total7101230 (per capita in euros) PLHCZSKSIESTLVLTHRBGROSCGBAUARUS CEE total euro area 0 1000 2000 3000 4000 5000 6000 2004 2008* ~13.600 euros Year-end figures, * forecast Source: BA-CA Economics Department CEE*... excl. Russia and Ukraine CEE total... incl. Russia and Ukraine