BANK RELATIONS

1. BANK RELATIONS CZECH-ASIAN FORUM MARCH 2008 Short-term Trade Finance

2. Bank Relations. What? I. • Group of Relationship Managers responsible for different regions, emerging markets and OECD • Bank Relations • is the business unit for relationship management with banks • acts as front line custodian of country and bank risk exposure • defines selective country policies in co-operation with the business units and fitting within the global strategy of the bank Short-term Trade Finance

3. Top Bank Counterparties • Kazakhstan Development Bank of Kazakhstan Kazkommertsbank Bank TuranAlem Halyk Bank Bank CenterCredit ATF Bank Alliance Bank Caspian Bank Nurbank Eurasian Bank Short-term Trade Finance

4. Top Bank Counterparties • Uzbekistan National Bank of Uzbekistan Asaka Bank EBRD Trade Facilitation Programme: Hamkor Bank Bank Uzjilsberbank UZKDB Bank Short-term Trade Finance

5. Top Bank Counterparties • Azerbaijan International Bank of Azerbaijan EBRD Trade Facilitation Programme: Azerdemiryolbank Bank of Baku Bank Respublika Azerigazbank Microfinance Bank of Azerbaijan Mugabank Rabitabank Unibank Commercial Bank Short-term Trade Finance

6. Top Bank Counterparties • Georgia EBRD Trade Facilitation Programme: TBC Bank Bank of Georgia TBC Bank Bank Republic Cartu Bank VTB Bank Georgia Short-term Trade Finance

7. Top Bank Counterparties • Armenia EBRD Trade Facilitation Programme: Agricultural Cooperative Bank of Armenia Anelik Bank Armeconombank Armenian Import-Export Bank Inecobank Short-term Trade Finance

8. Top Bank Counterparties • Tajikistan EBRD Trade Facilitation Programme: Agroinvestbank Bank Eskhata Tajprombank Tojiksodirotbank • Turkmenistan EBRD Trade Facilitation Programme: Senagat Bank Short-term Trade Finance

9. Top Bank Counterparties • Kyrgyzstan EBRD Trade Facilitation Programme: Demir Kyrgyz Int Bank Investment Export-Import Bank Kyrgyzstan Bank Kyrgyz Inv &Commercial Bank Kazkommertsbank Kyrgyzstan • Mongolia • Trade and Development Bank of Mongolia Golomt Bank EBRD Trade Facilitation Programme: XAC Bank Short-term Trade Finance

10. Top Bank Counterparties • China (mainland) Bank of China China Construction Bank Corporation Industrial and Commercial Bank of China • Hong Kong Bank of China (HK) HongKong and Shanghai Banking Corp. DBS Bank (HK) Limited Standard Chartered Bank (HK) Short-term Trade Finance

11. Top Bank Counterparties • India State Bank of India Bank of Baroda Punjab National Bank Canara Bank Axis Bank • Vietnam Bank for Foreign Trade of Vietnam (Vietcombank) Vietnam bank for Industry and Trade (VietinBank) Short-term Trade Finance

12. Top Bank Counterparties • Indonesia Bank Central Asia Bank ChinatrustIndonesia Bank Mandiri PT ANZ Panin Bank PT Bank Mizuho Indonesia PT Bank Negara Indonesia • Malaysia AMBank Berhad Bank Negara Malaysia CIMB Bank Berhad EON Bank Berhad HONG LEONG Bank Berhad Malayan Banking Berhad Public Bank Berhad RHB Bank Berhad United Overseas Bank Short-term Trade Finance

13. Top Bank Counterparties • Thailand Bangkok Bank Public Company Bank of Thailand KasikornBank Krung Thai Bank Public Company United Overseas Bank Thai Siam Commercial Bank Public Company • Philippines Metropolitan Bank and Trust Company Bank of the Philippine Islands Allied Banking Corporation Banco De Oro Epci Inc Bangko Sentral NG Pilipinas China Banking Corporation Rizal Commercial Banking Corporation Short-term Trade Finance

14. Top Bank Counterparties • Singapore AFC Merchant Bank Bank Sarasin Rabo Asia Ltd. DBS Bank Ltd. Oversea Chinese Banking Corporation Ltd. United Overseas Bank Ltd. Singapore Short-term Trade Finance

15. Short term Trade finance • Clients´ and sales support through team of 5 trade finance officers • Biggest processing centre in CZ for (over 12.000 transactions processed/year ) : • Bank guarantees • Letters of Credits – import and export • Documentary Collections • Bills of Exchange • Forfaiting, Financing under LC´s (postfinancing, discounting) Short-term Trade Finance

16. Innovative approach of CSOB in short term TF Our aim is to offer more than others: • Establishment of specailised Front Office =Trade Finance Officers in 2005 • Launching „Flexims“ in June 2006 (electronic tool for communication) • Launching „Crystal Clear“ concept in 2007/2008 Short-term Trade Finance

17. ČSOB Flexims • Managing electronicaly all documentary transactions – LC´s export and import, guarantees, collections • Functions: • Submission of new applications / amendments • Monitoring transaction status in real time • Follow up payments • Updated overview of all transactions in one place • Key advantages: • Time efficiency and flexibility in your administration • 24/7 access (no limit to the bank´s opening hours) • Communication is quicker, chepaer, easier • Decraeasing necessary paper circuit • Free of charge implementation Short-term Trade Finance

18. „Crystal Clear“ concept = Essential features of this service are guaranteed speed andtransparency of processing • Documentary Collections – Export • Same-day processing • Payment within 24 hours • Made-to-measure payment reminder procedure • Documentary Credits - Export • Notification of new L/C provided within 24 hours via electronic means • Checking documents within two banking days, at most • Air Waybill number of the dispatch by courier containing the documents for the bank abroad • Other products being prepared Short-term Trade Finance

19. The main goal RECIPROCITY?!?! STILL REQUIRED TO GET THE BUSINESS?? Bank in the Czech Republic? I´ve got it: ČSOB !! Short-term Trade Finance

20. Contacts - Trade finance officers: • Iveta Horníčková, mail:ihornickova@csob.cz, tel. 224 114 259 • Valentina Müllerová, mail:vmullerova@csob.cz, tel. 545 566 353 • Ivana Pelcmanová, mail:ipelcmanova@csob.cz, tel. 485 399 312 • Zbyněk Vavříček, mail:zvavricek@csob.cz, tel. 596 106 323 • Martin Vlček, mail:mvlcek@csob.cz, tel.  224 114 258 Short-term Trade Finance