ČSOB Banking Services for Corporates and Organizations

1. ČSOBBanking Services for Corporates and Organizations 1st ČSOB Czech – Asian Business Forum Prague, 5th March 2007

2. ČSOB – Member of KBC Bank and Insurance Group ČSOB – Specialised and Institutional Banking ČSOB – Export and Structured Trade Finance ČSOB – Acquisition and Leveraged Finance

3. ČSOBbelongs to major players in Central Europe 2ndlargest bank in Central Europe • 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 No. 1 the Czech Republic No. 4inthe Slovak Republic Traditional market leader in international banking

4. Shareholders Others 2.56 % EBRD 7.47 % KBC Bank NV 89.97 % ČSOB´s registered capital = CZK 5,105 m (EUR 157m)

5. KBC Group • KBC is the largest Belgian based bank-assurance group • KBC Group is one of the largest financial groups acting in Central Europe • world-wide presence in 30 countries • focus on Belgium and Central Europe as its „two home markets“ • long-term ratings • Moody´s: Aa3 S&P: A+ Fitch: AA- • Main presence in Central and Eastern Europe:

6. KBC Group in Central & Eastern Europe ČSOB 0.24 bn 64 % CEE 0.37 bn KBC Group 2.18 bn

7. ČSOB – A Profile EUR 1,876 million EUR 27,225 million EUR 344 million 9.28 per cent 2006 Financials Equity Total Assets Net Profit CAR (Capital adequacy ratio) ČSOBratings 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.

8. Diversified Financial Services Segments’ contributions to operating income Retail Corp. 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. Bank SR 9% 2 % SME 2 % Other 1% Subsidiaries Retail 21 % 4 % Subsidiaries Corporate 2 % Other (excl. SI) 14% Corporate 11% SME 16% Retail, excl. PSB 14 % PSB 14 %

9. ČSOB – International Awards Corporate Bank of the year 2005 Bank of the year 2006 in the Czech Republic Award for excellence 2006the Best FX Bank in the Czech Republic 2002-2003 Award for excellence The best bank in the Czech Republic Award for excellence 2003& 2004 The best FX bank in the Czech Republic The most trustworthy bank in the Czech Republic 2002 Bank of the year in the Czech Republic 2002

10. ČSOB – Member of KBC Bank and Insurance Group ČSOB – Specialised and Institutional Banking ČSOB – Export and Structured Trade Finance ČSOB – Acquisition and Leveraged Finance

11. Organizational structure

12. ČSOB – Member of KBC Bank and Insurance Group ČSOB – Specialised and Institutional Banking ČSOB – Export and Structured Trade Finance ČSOB – Acquisition and Leveraged Finance

13. ČSOB Export and Structured Trade Finance • 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

14. 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 financing of up to 2/3 of the downpayment portion of the export contract loans to finance investments related to export projects (e.g. BOT structures) terms and conditions according to the structure of the export project Export Finance – Key Features Export buyer´s credit Comprehensive credit risk cover provided by ECA Commercial credit/s

15. extended to the importer 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 Export Receivables – Key Features Export supplier´s credit Purchase of receivables Payment instruments

16. Export Finance – Selected Asian Credentials Indonesia PT. Bank Mandiri (Persero)Tbk. EUR/USD40 million up to 5Y export credits General Loan Facility Agreement Financing Czech exports of goods and services The Philippines Metro Rail Transit Corporation USD 88.4 million 10Y export credit Financing deliveries of rail vehicles, components and services to the Manila Light Rail Transport System Kazakhstan Kazkommertsbank JSC EUR6.8 million 1Y revolving credit Financing deliveries of cars and components

17. ČSOB Export Finance Exposure By countries:

18. ČSOB – Member of KBC Bank and Insurance Group ČSOB – Specialised and Institutional Banking ČSOB – Export and Structured Trade Finance ČSOB – Acquisition and Leveraged Finance

19. ČSOB Acquisition Finance • KBC Group acts in the area of Acquisition Finance through its five specialized teams in Western Europe (Brussels, London, Paris, Frankfurt, Dublin) and through its subsidiaries in the CEE region (ČSOB, K&H, Kredyt Bank) • ČSOB´s responsibility is to provide services of Acquisition Finance on the Czech and Slovak markets „ČSOB is prepared to utilize its experience and local market knowledge, as well as its parent company´s European market experience and know-how, to provide structured finance services, including acquisition finance .“

20. Services provided by Acquisition Finance • financing of both kinds of acquisition transactions, M&A and LBO including MBO/MBI • structuring of the debt financing of the transaction • providing of senior debt (in some cases the junior debt is also possible on the pro rata basis) • arranging of clubs/syndicates, including inter-creditor framework, if needed • flexible approach to the refinancing in the mature stage of transactions • ensuring the transactions´ support through the affiliates – Patria Finance (advisory), KBC Private Equity (mezzanine and equity instruments) „ČSOB is able to arrange senior and partially junior financing of acquisition transactions and also design inter-creditor arrangements“

21. ČSOB Acquisition Finance team • 5 experts dedicated to acquisition finance • two sub-teams for (i) small transactions (below EUR 10 mln) and (ii) large transactions • portfolio of approx. EUR 300 mln • providing whole range of banking services via its corporate branch network • cooperation with strategic as well as with financial investors (PEFs) • cooperation with other banks on cross border transactions with certain Czech or Slovak risk element „ČSOB is able to deal with wide range of transactions, and through its branch network is able to provide its clients with high quality post transaction services“

22. 2004 2006 2004 2006 Pražská energetika, a.s. Acquisition TermLoan Mandated Arranger, Facility Agent RPG Industries (OKD) MUS,a.s. Appian Group,a.s. Arranger, Agent, Lender Recapitalization Lead Arranger 2005 2005 2006 NOWACO Czech Republic s.r.o. JP Morgan Partners andBancroft Private equity Mandated Arranger, Agent, Lender 2003 Syndicated Acqusition Facilities Joint Arranger Acquisition Finance - Credentials Primus, N.V. Karneval Media s.r.o. Sokolovská uhelná, a.s. Acquisition Senior Loan Mezzanine Facility Arranger, Facility Agent and Senior Lender Syndicated Credit Facilities Senior Lead Arranger TATRA, a. s. Acquisition Financing Mandated Lead Arranger

23. Contacts:Československá obchodní banka, a. s. (ČSOB) Na Poříčí 24 • 115 00 Praha 1 • Czech Republic Corporate and Institutional Banking Marek Ditz Executive Director Phone: +420 261 359 090 E-mail: mditz@csob.cz Export and Structured Acquisition Finance Trade Finance Michal Bakajsa Jiří Bohal Director Director Phone: +420 261 359 334 Phone: +420 261 359 395 E-mail:mbakajsa@csob.czE-mail:jbohal@csob.cz www.csob.cz