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Structured Finance and Financial Institutions Department / February 2005 1 February 2005 PKO IN A NUTSHELL.

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Presentation on theme: "Structured Finance and Financial Institutions Department / February 2005 1 February 2005 PKO IN A NUTSHELL."— Presentation transcript:

1 Structured Finance and Financial Institutions Department / February 2005 1 February 2005 PKO IN A NUTSHELL

2 Structured Finance and Financial Institutions Department / February 2005 2 Total Assets of Polish Banks

3 Structured Finance and Financial Institutions Department / February 2005 3 PKO Bank Polski Overview  85 years of tradition  Largest branch network in Poland (1 266 own branches, 2 725 agencies)  Ratings: Moody’s: Long-Term A2, Short-Term P-1 Capital Intelligence: LT BBB+, ST A2 Standard & Poors: Long-Term BBBpi  PKO is handling 5,5 mio accounts for individual customers  5,4 mio banking cards issued

4 Structured Finance and Financial Institutions Department / February 2005 4  Retail banking  Private and corporate lending  Foreign exchange  International settlements  Trade finance  Brokerage  Leasing  Internet banking PKO Products and Services

5 Structured Finance and Financial Institutions Department / February 2005 5 Bank’s Organization Corporate Centres:70 Branches:1266 December, 2004

6 Structured Finance and Financial Institutions Department / February 2005 6 PKO Group PKO/Credit Suisse Mutual Fund - mutual fund created in co-operation with Credit Suisse in July 1997. PKO was the first bank in Poland which obtained The Security Commission’s permission to sell units through the banking network Bankowy PTE S.A. - wholly-owned common pension fund established in August 1998 in order to conduct activity within the so-called second pillar of social security system BANKOWY Fundusz Leasingowy S.A. - leasing subsidiary created in February 1999 PKO Inwestycje S.A. - investment company, specializing in big developmental projects, established in 2001 eService - electronic payment (cards) settlements centre established in August 1999 (as the third one on the market) Inteligo Financial Services S.A. - internet banking services

7 Structured Finance and Financial Institutions Department / February 2005 7 PKO Growth 1991-2004 Balance Sheet Total in PLN bn (nominal value) € 1 = PLN 4.0 (Feb 05)

8 Structured Finance and Financial Institutions Department / February 2005 8 PKO’s privatisation 11 X Launch of PKO BP stock sales to holders of privatization deposits 21 X Announcing of the official price range for the shares 22 X - 3 XI Individuals subscribing to shares in the brokerage houses 22 X - 3 XI Registration of shares purchase statement from institutional investors 3 XI Setting of the share price 6 XI Allocation of shares to individual investors during the special stock exchange session 10 XI Date of PKO BP's first listing at the Warsaw Stock Exchange

9 Structured Finance and Financial Institutions Department / February 2005 9 Client Base  Over 5.5 million personal current accounts  Ca. 2.6 million savings books  Ca. 440 thousand corporate accounts - mainly small and medium size companies December 2004

10 Structured Finance and Financial Institutions Department / February 200510 Personal Current Accounts PKO market share December 2004 Source: IBnGR

11 Structured Finance and Financial Institutions Department / February 200511 Personal Internet Bank Accounts PKO market share December 2004

12 Structured Finance and Financial Institutions Department / February 200512 PKO’s Position in the Polish Banking Market (estimations)  No 1 in terms of assets - ca 17% of the banking sector (September 2004)  No 1 in terms of capital - ca 15% of the banking sector (September 2004)  No 1 in terms of outlets * ( 3 991 outlets, including agencies)- ca 40% of the market (December 2004)  No 1 in terms of current accounts for individuals - ca 34% of the market (December 2004)  No 1 in terms of credits granted - ca 14% of the market (December 2004)  No 1 in cash and payment cards issued (5,44 million) – ca.25% of the market (December 2004)  No 1 in number of ATMs - 1785 installed machines, ca 22% of the market (December 2004) * without co-operative banks

13 Structured Finance and Financial Institutions Department / February 200513 Total Assets September 2004

14 Structured Finance and Financial Institutions Department / February 200514 Net Profits – 3rd quarter of 2004

15 Structured Finance and Financial Institutions Department / February 200515 Ratio Analysis

16 Structured Finance and Financial Institutions Department / February 200516 DEPARTAMENT FINANSOWANIA STRUKTURALNEGO I INSTYTUCJI FINANSOWYCH ul. Puławska 15 00-975 Warszawa tel: (48 22) 521 80 67 fax.: (48 22) 521 80 68


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