MKB Unionbank The Green Bank in Bulgaria May 20 1 3

1. MKB Unionbank The GreenBankin Bulgaria May 2013

2. MKB Unionbank representing the German bank system in Bulgaria and proud member of MKB/ Bayern LB • One of the top universal banks in Hungary and has been leading the corporate customer and project financing markets with total assets of 9.5 billion euro (31.12.2011). It also enjoys a good position in the Hungarian retail customer business. • 67 branches in Hungary, 2500 corresponding banking relations in 80 countries • B2 rating from Moody’s • Leading bank group in Germany, acting as a central bank for Bavarian Savings Banks and for the Free State of Bavaria with total assets of 303 billion euro (31.03.2012). • Jointly owned by the Free State of Bavaria (through BayernLB Holding AG) – 94% of the shares and the Association of Bavarian Saving Banks with 6% • A+ rating from Moody's

3. Successful development Assets 1.65 bln. BGN Credits 1.3bln. BGN Deposits 1bln. BGN Market share 3% • Financial indicators • Branches – 52 • Clients – 110 000 • Employees – 715 Data as ofDecember 2012

5. Our successful service model • The service model of MKB Unionbank reflects its business strategy and its desire to be as close as possible to its clients. The service model provides personal contact and relation and individual approach to clients when offering products and services. • Service of corporate clients is structured on three levels Large Corporate Clients (annual turnover above 25 mln BGN) – Service is provided by a specialized division in headquarters – “Large Corporate Customers” . Middle corporate segment - small and medium enterprises (annual turnover from 2 to 25 mln BGN) Serviced by regional corporate centers for four major regions in Bulgaria. Daily financial operations take place in the branches. Micro enterprises /annual turnover below 2 mln BGN) Serviced in the branch network.

6. A proud member of EVIC

7. Our Green activities Your print is your responsibility MKB Unionbank ranks among the most dynamically developing banks in the country, whereas development means a higher responsibility to the world around us. Therefore, the model we set is of great importance. We hope that in this way we can motivate and stimulate society to think more about the environment and become increasingly proactive. This is why we chose “Your print is your responsibility” as a motto of our social corporate activity

8. Our Green activities “Green" VISA chip cards as ambassadors of a good idea The face of our VISA chip card contains a kid’s handprint, painted by green grass. Its design was inspired by the socio-corporate campaign of MKB Unionbank, implemented under the motto „Your print is your responsibility”.

9. Our Green activities Use less, save more For several years MKB Unionbank has been pursuing a policy popularizing the effect  over  the living  nature of the usage of recycled paper  in our everyday life.   The Bank is making efforts to reach 100% use of recycled paper in its operations. Two years in a row MKB Unionbank has been successfully using materials from recycled and eco paper. It stimulates also its clients to refuse paper statements. Recently, the fee for a daily bank account statement was reduced by 50% for each client who refuses their paper printing.  The Internet banking system of MKB Unionbank offers a convenient and very functional electronic version of a bank statement.  The expectations are for an annual use of about 1 million paper sheets less under this program alone. Thus, the Bank and its clients will save from cutting down nearly 200 trees yearly

10. Our Green activities First bankers’ wood planted by MKB Unionbank The employees of MKB Unionbank planted a grove with over 300 saplings. The voluntary action is in pursuance of a commitment undertaken by the Bank for planting one tree for any mortgage loan, granted during the period February - April. The initiative is part of the longstanding  socially engaged campaign of the Bank under the motto „Your Print is Your Responsibility”.

11. Our Green Awards Green Company Certificate MKB Unionbank was granted a  Certificate for being a green company among the financial institutions and for its overall activity on environment protection. The Certificate was  granted within “The Greenest Companies in Bulgaria 2010”  competition, organized by B2B Media

12. Our Green Awards Energy Efficiency Award’ 2010 The “EBRD Energy Efficiency Award Bulgaria’ 2010”  was granted to MKB Unionbank by the European Bank for Reconstruction and Development for its consistent  and successful policy in financing of energy efficiency projects, and for its commitment to the green energy sustainable development

13. Our Green Awards “Best Non-Paper Practices’ 2010” Prize MKB Unionbank received the special “Best Non-Paper Practices’ 2010” prize for its active campaign on stimulating clients to refuse the receipt of bank statements on paper. The prize was an acknowledgment for the consistent policy of the Bank on usage of recycled and eco paper in its daily operations. The prize was granted within “The Greenest Bulgarian Companies in 2010” competition,

14. Our Green Awards “Green Financial Services’ 2011” Charter For a second consecutive year, MKB Unionbank received a Charter for being a “green” financial institution. The award was granted within “The Greenest Bulgarian Companies in 2011” competition, organized by B2B Media

15. Thank you for your attention!

16. MKB Unionbank The GreenBankin Bulgaria May 2013