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Warsaw, January 200 8

Bank Pekao – your bridge into foreign markets Presentation for International Mid-Size Corporate Clients. Warsaw, January 200 8. Agenda. UniCredit Group Bank Pekao Unique selling proposition Doing business in Poland Macroeconom ic trends Banking sector.

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Warsaw, January 200 8

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  1. Bank Pekao – your bridge into foreign marketsPresentation for International Mid-Size Corporate Clients Warsaw, January 2008

  2. Agenda • UniCredit Group • Bank Pekao • Unique selling proposition • Doing business in Poland • Macroeconomic trends • Banking sector

  3. UniCredit Group: Strong international player • 35 million customers • about 7,500 outlets in 20 countries • 135,000 employees • € 868.7bn total assets • No. 2 in Italy with 7.5% mkt. share* • No. 2 in Germany with 5% mkt. share* • No. 1 in Austria with 18% mkt. share* • No. 1 in Central and Eastern Europe* UniCredit Group banks Representative offices and branches KazakhstanAzerbaijanChina, Hong Kong, India IndonesiaIran, JapanSingaporeSouth KoreaVietnam Argentina BrazilMexicoUSA EgyptMoroccoSouth AfricaTunisiaUAE * By total assets As at end-June 2007

  4. UniCredit Group: Market leader in CEE region Country Lithuania Latvia Estonia Russia Mkt. position (%) No. 9 (2%) No. 10 (2.3%) No. 7 (1%) No. 8 (2%) NUMBER 1 CEE REGION Poland No 1 (19%) • EUR 118bn total assets • 62600 employees • 25 million customers • Ca. 3 100 outlets Ukraine* Czech. Rep. No. 13 (1%) No. 4 (7%) Slovakia No. 5 (9%) Romania Hungary No. 3 (7%) No. 7 (6%) Slovenia Bulgaria No. 4 (7%) No. 1 (19%) Croatia Bosnia Serbia Turkey No. 1 (23%) No. 1 (25%) No. 5 (6%) No. 5 (10%) Macedonia Rep. office * Excluding recent acquisition of Ukrsotsbank As at end-June 2007

  5. UniCredit Group: First Truly European Bank MOST COMPREHENSIVE BRANCH NETWORK IN THE REGION PL SK BG RO HU CZ RS SI HR BA MK RU UA BLT*AZ KZME TR R R 18 + 2R 13 + 1R R R R R 11 + 3R R 10 + 1R 10 R R 9 + 2R R R 8 + 2R 7 R R R R R 6 + 5R R R R R R R 5 + 6R R 2 + 4R R R R : Representative Office = non-operative business R * Estonia, Latvia, Lithuania

  6. Bank Pekao: The way to become a market leader MARKET LEADER 2007 • Pekao-BPH merger as a result of strategic investors’integration: UniCredit and HVB 2001 • Merger of 4 banks under Bank Pekao S.A. name • as strategic investor • BPH-PBK merger as a result of strategic investors’ integration 1999 • as strategic investor 1998 • as strategic investor 1997 1989* 1989* 1929* * Commencement of banking activity in Poland

  7. Bank Pekao:At the top • 1st largest Polish bank in terms of assets, loans, deposits and branches • 24.8% market share in corporate deposits and more than 23% in corporate loans • Leader in transactional banking Commercial banks’ assets in Poland (PLN bn) * Combined assets of Pekao and a part of Bank BPH merged into; as at end-2006

  8. Bank Pekao:Comprehensive financial services CORPORATE BANKING INTERNATIONAL MARKETS RETAIL BANKING • Current accounts, credit and debit cards, brokerage • Savings: term deposits, structured certified deposits, investment funds, commercial papers • Consumer loans: mortgages, cash and car loans • Bancassurance • FX options, contracts, exchange • Negotiable term deposits(1day-10 years) • CIRS, FRA, IRS transactions • Sale/purchase of debt certificates • Deposit certificates • Transactional banking • Trade finance • E-Banking solutions • Financing BANK PEKAO GROUP Developer projects, advice, valuation, intermediary, property management Investment banking services Recourse, non-recoursefactoring, forfeiting Operational and financial lease Asset Management >>> >>> >>> >>> >>>

  9. Bank Pekao:Corporate network Gdynia Gdańsk MID-SIZE CORPORATES Koszalin Annual turnover from PLN 10m to 250m Olsztyn Szczecin • Serviced by 34 Corporate Centres divided into6 geographical areas Bydgoszcz Białystok Ciechanów Płock Gorzów Wlk. Poznań Warszawa Siedlce Zielona Góra Łódź Radom LARGE CORPORATES Lublin Wrocław Kielce Annual turnover above PLN 250m Katowice Opole • Serviced by Large Corporate Divisionat Head Office Gliwice Mielec Kraków Rzeszów Oświęcim Bielsko-Biała Krosno Nowy Sącz Bank Pekao Corporate Centres Contact to Corporate Centres

  10. Unique Selling Proposition for International Clients Treasury Transactional banking • Innovative money market instruments • Attractive exchange rate quotations • Access to information and professional market analyses • Account-related services • Electronic banking • Call Center support Transactional banking Treasury Single Point of Contact Financing • Cross Border Plus Credit • EU subsidized loans • Special loans (international programs) • Commercial real estate financing • One stop banking for all your cross-border needs • No need to travel abroad to start banking relations • Access to UniCredit group network products Financing Single Point of Contact

  11. USP: Treasury • Full range of innovative money market instruments • hedging exchange and interest rate exposure – tailor-made hedging strategies • interim investments of financial surpluses • liquidity management • Attractive exchange rate quotations thanks to first-class connections to international money markets Volatility of Polish currency • Top player in origination and sales of structured investment products • Arrangement of short, medium and long-term corporate bonds

  12. USP: Financing EU SUBSIDIZIED LOANS SPECIAL LOANS Cross Border PLUS Credit • International programs: KfW Mittelstandsbank, European Investment Bank (EIB) • Commercial real estate financing • Structured & project finance • Pre-financing investment projects subsidized by EU structural funds • Leader in advisory and co-financing EU projects for small and medium enterprises • Dedicated for UniCredit Group Clients • Quick and unbureaucratic extension of the credit facility EU Competence Center >>> • Investment and working capital loans • Multipurpose/multicurrency lines(i.e. short-term working capital financing, bank guarantees, letters of credits) • Fixed or floating interest rate, available in PLN and foreign currencies • Flexible tenor (from 1 month till 10 years) Metropolitan, pl. Pilsudskiego, Warsaw GENERAL FEATURES Centrum KrolewskaMarszalkowska Street Złota 44, Warsaw(planned)

  13. USP: Financing -basic features TYPICALCOLLATERAL TYPICAL LOANCLAUSES CREDIT STANDINGASSESSMENT • Bank guarantee • Turnover Clause • Corporate guarantee • Cross Default • Financial standing of the borrower as a basis for loan granting • Mortgage • Debt Restriction • Registered pledge on assets • Pari Passu • Information on shareholders required Credit request Loan granting • Negative Pledge • Assignment of receivables • Financial forecasts required • Dividend Restriction • Transfer of ownership • Letter of comfort • Financial Covenants • Surety • Other

  14. USP: New Europe Deskned@pekao.com.pl Paolo Baldini Head of the Unit ' • New Europe Desk to facilitate your cross-border cooperation with our Group +48 22 656 0990 * paolo.baldini@pekao.com.pl Languages: • Relationship managers working together across borders to accompany you in: • Account opening and e-Banking installation • Financing your business needs • Negotiating terms and pricing • Taking advantage of the network products GERMAN, AUSTRIAN, CEE CLIENTS REST OF WORLD CLIENTS Witold Gonera Johannes Koutny Director Director ' ' +48 22 531 9549 +48 22 531 9515 * * witold.gonera@pekao.com.pl johannes.koutny@pekao.com.pl Languages: Languages: • Establishing banking relations without necessity to travel to Poland/abroad CUSTOMET CARE ITALIAN CLIENTS Anna Matuszkiewicz Magdalena Adamczyk Team Leader Team Leader Further information >>> ' ' +48 22 656 0820 +48 22 656 0714 anna.matuszkiewicz@pekao.com.pl magdalena.adamczyk@pekao.com.pl Languages: Languages:

  15. Poland: Favorable investment opportunities LARGEST MARKET IN CEE, 6TH IN EUROPEAN UNION • 38.2m consumers extended to 250m within 1000km radius • Heart of continental Europe, a key production and distribution centre • Competitive cost base with significant location benefits • Labour cost (EUR per hour) – 5.9 vs. 6.7 in Hungary and 7.4 in Czech • Electricity (EUR/kWh) – 0.054 vs. 0.081 in Hungary and 0.093 Slovakia • Gas (EUR/GJ) – 7.54 vs. 9.48 in Hungary and 8.00 in Slovakia STRATEGIC LOCATION • Largest working population in CEE (24m people, 61% of Poles) • Second hardest working nation in the world • Ca. 2 million attending higher education courses in 448 academical centres HUMAN RESOURCES • GDP growth more than twice the EU27 pace (6.2% vs. 2.7% in 2006) • 2nd in Europe in FDI Confidence Index • EUR 90bn available from EU funds for economic development (2007-2013) • 14 Special Economic Zones and Technology Parks with incentives • Income and real estate tax exemptions • Land at competitive prices • Grants for the creation of new jobs and employee training programs • Free assistance in dealing with formalities INVESTMENT POTENTIAL Source: PAIZ

  16. Poland: Healthy economic fundamentals and growth prospects GDP(%, y/y) Private consumption (%, y/y) Investment (%, y/y) Inflationvs. 3M WIBOR(%, y/y) • Private consumption and investments to boost in forthcoming years, due to: • Stronger growth in real wages • Improving labour market (unemployment rate at 11.3%) • Relatively low interest rates (currently at 5%) • Average inflation down from 10.1% in 2000 to 3.6% in F2007

  17. Banking sector: Engine of Polish economy Assets of banking sector (PLN bn) • Banks as the main source of financing and savings' collector for private and corporate clients representing ca. 70% of Polish financial system assets • Since 1989 banking assets expanded twice the pace of Polish economy (on average) • Due to favorable macroeconomic environment and still relatively low banking market penetration, fast development of Polish banks is to be maintained in the future Previous year = 100 Financial results (PLN bn) Previous year = 100

  18. Banking development: from state owned to private Organic growth Beginnings Consolidation, restructuring, new entrants Privatisation • Privatization completed, on-going consolidation • Continued restructuring: from capital injection, strategic investors’ know-how to development of new technologies and innovative processes • Growing share of assets controlled by foreign capital (70.6% at end-June 2007), also due to new entrants from abroad

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