GETIN NOBLE BANK GROUPGETIN NOBLE BANK GROUP

FINANCIAL RESULTS

FOR THE FIRST THREE QUARTERS OF 2013

Presentation of non-audited financial results

for investors and analysts

Warsaw, November 15th, 2013

GETIN NOBLE BANK

GETIN NOBLE BANK

Net profit for the third quarter of 2013 above PLN 100 m.

Efforts within net interest income successfully accomplished.

• Historically low cost of funding. Spread offered to the Clients for 3 months period deposits in relation to WIBOR 3M decreased in period

of Oct’12-Nov’13 from ca. 120 bps to ca. 10 bps.

Bank has lowered its deposit rates 1,5 times faster than the market rates’ decrease.

• Monthly net interest income revealing significant improvement (stand-alone: PLN 88,1 m in Jul’13; PLN 87,0 m in Aug’13; PLN 89,9 m in

Sep’13; PLN 94,5 m in Oct’13).

• Reference rates of majority of loan book have been adjusted (to the lowest WIBOR rates in Polish history).

24% increase of F&C result in the 3rd quarter of 2013 (q/q). Increase (q/q) noted for the first time in

last six quarters. -110 bps

Effective actions in all strategic areas.

60 70 59

103 100

3Q’132Q’131Q’134Q’123Q’12

F&C RESULT

[PLN m]3)

NET PROFIT 1) [PLN m]

RETAIL DEPOSITS MARGIN 2)

[bps]

2

last six quarters.

Risk under control – regular decrease in risk provisions level.

• Risk provisions in the first three quarters of 2013 lower by PLN 289 m / 38% y/y.

• Regular decrease of cost of risk: 1.42p.p. at the end of September 2013, i.e. 84 bps less than at the end of 2012.

• New loans production within accepted „risk appetite” levels.

• Regular transactions of NPL portfolio sale.

Cost level controlled despite intensive growth of business scale.

• Stable level of operating costs despite increasing scale of business , Strategy implementation and acquisitions:

- Acquisition of Dexia Kommunalkredit Bank Polska S.A. , acquisition of a retail part of Bank DnB NORD Polska S.A. (including 37

branches together with branch staff) and private banking operations of DZ Bank Polska S.A.

- Minor increase of costs resulting from finalisation of acquisitions (excluding this impact costs decreased on a year-to-year basis).

Strong operational cashflow and safe balance structure.

• CAR of 12,6% as at the end of September 2013, i.e. 1,1percentage points of increase during 12 months

• Sub-debt total issue as at the end of October 2013 of over PLN 1,67billion. All included into equity.

• The 90,1%4) loan-to-deposit ratio is one of the lowest in the banking sector.

X’12 XI’13

120

10

3Q’12 3Q’13

268

132

-110 bps

-51%

1-3Q’12 1-3Q’13

623 646

3,8%

1) Attributable to equity holders of the parent company

2) Above WIBOR 3M

3) Consolidated data

4) Loans including leasing

129160

2Q’13 3Q’13

+24%

OPERATING COSTS

[PLN m] 3)

RISK PROVISIONS

[PLN m] 3)

GETIN UPGETIN NOBLE BANK

● 11 …place Getin Noble Bank holds in Przyjazny Bank Newsweeka 2013 ranking (the highest advance in the market)

● nearly 2.4 m … Clients already in the Bank; i.e. increase of 12% in the last 12 months

● over 15% …share of current and saving deposits in total deposit portfolio at the end of September 2013

● 26% …increase of average monthly high yield loans sale in 2013 in connection with strategic change

in sales mix comparing to the previous year

● 30% …decrease of average monthly sale of mortgage loans in 2013 comparing to the previous year

● 20-25 k …monthly increase of current accounts

How do we pursue the Strategy…

3

● 20-25 k …monthly increase of current accounts

● PLN 900 m …record level of loans for SME Clients sale in 3Q 2013

● EUR 100 m …of funds from European Investment Bank allocated in August 2013 (2 months after the funds were received

within the signed agreement with EIB); funds dedicated to the development of SME activities and to leasing market

● 67% … …y/y increase of net interest income in 3Q 2013

● 63% …income from current accounts (ROR) increase in 1-3Q 2013 on a year-to-year basis

● PLN 289 m …lower credit risk provisions in the first three quarters of 2013 on a year-to-year basis

● 31% …FX loans share; continuously decreasing (36% one year before)

● over 26 k …Clients using new Getin UP mobile banking (the best in the world!)

● 30 …brand new Getin UP branches operating already; further ones pending

CHANGES IN THE BANK NOTICED AND AWARDED

GETIN NOBLE BANK

Prizes and awards

• The best mobile banking in the world! Banking

Technology Awards 2013 in Best Use of Mobile

GNB AWARDED!!!

4

Technology Awards 2013 in Best Use of Mobile

Technology in Financial Services category.

• Another award for MasterCard Display Card - Grand

Prix received during Golden Drum 2013 festival in

„New or Innovative” category, rewording the most

innovative projects.

• Getin Bank marketing honoured by Brief magazine as

the best 2013 marketing in Poland.

NOBLE BANK DEVELOPMENT

KEY FINANCIAL RATIOS

GETIN NOBLE BANK

Development with maintained stability and secure situation.

Loan balance (incl. leasing) 47 807,1 +0,9%

Deposit balance 53 035,2 +1,8%

ROE 7,8% +0,6 p.p.

C/I 1) 43,7% +1,8 p.p.

CAR 1) 12,6% +0,4 p.p.

PLN m

Balance sheet total 64 910,4 +2,6%

Equity 4 787,2 +0,3% (attributable to equity holders of the parent company)

3Q 2013; change vs 2Q 2013

6

Result on risk provisions -131,6 -8,1%

Profit before tax 114,3 -3,8%

Current and saving deposits’ 15,3% +0,6 p.p.

share in total deposits

Loans / deposits 90,1% -0,8 p.p.

# Clients [m] 2,4 +2,4%

Cost of risk 1,2) 1,2% -0,1 p.p.

Net interest income 277,4 -4,6%

Net fee and commission income 159,9 +24,3%

Net profit 100,2 -2,6%(attributable to equity holders of the parent company)

PLN m

PLN m

Costs -220,9 +1,8%

1) Stand-alone GNB

2) Result on provision for NIL and other accounts receivable to average loans volume

PROFIT OF THE BANK AND GROUP COMPANIES FOR THREE QUARTERS OF 2013GETIN NOBLE BANK

The Group’s banking activity was the main source of its net income.

2013

change y/y 3)

255,8

-2,7%

15,2

+45,1%

10,3

-37,8%

19,6

-47,5%

-50,8

+46,5%4,9

x2,4

2)

262,5

-10,9%

7,5

x

1)

PLN mcumulatively

Getin Noble

Bank

Noble Funds Noble

Securities

Getin Leasing

Group

BPI Bank

Polskich

Inwestycji

Open Finance

Group

Other activities

and

consolidation

adj.

GNB Group

(profit of the

parent

company)

77

change y/y

PLN - 19,8 m concerns adjustment for settlement of transfer

of Open Finance shares and purchase of DKBP

PLN -16,8 m dividend from Noble Funds and Getin Leasing

PLN -14,3 m of other adjustments

1) Former Dexia Kommunalkredit Bank Polska [DKBP]. Profit without Q1 2013.

2) PLN 19,6 m profit of associated company included into GNB consolidated profit.

3) 2012 figures for the merged banks Getin Noble Bank and Get Bank.

DEPOSITS: BALANCE AND MARKET SHARE

GETIN NOBLE BANK

0,0 p.p.+6,7%

Stable deposit base. Sources of financing diversification.

6,4% 6,4%49 688

53 035

Portfolio balance (PLN m) 1) Market share (%) 2)

8

Increaep of deposit balance of PLN 2.8 bln in 2013, mainly in effect of acquisition of PLN 2,2 billion of deposits from DnB NORD.

Deposits of Bank’s business clients increased within the last 12 months by 15%, i.e. over 3 times faster than the market.

Continuation of efficient efforts on diversification of financing sources. On August 2nd 2013 Getin Noble Bank S.A. have signed a REPO agreement

under which Getin Noble Bank receives a 3-year CHF 150 m financing.

1) For 2012 figures for merged banks Getin Noble Bank and Get Bank

2) Market shares calculated on the basis of NBP data (market = banks operating in Poland + Polish branches of credit institutions and branches of foreign banks + SKOKs)

30.09.2012 30.09.201330.09.2012 30.09.2013

LOANS: BALANCE AND MARKET SHARE

GETIN NOBLE BANK

+9,4% +0,2 p.p.

Effective change of the Bank’s strategy – lower sales of mortgage loans offset by

higher sales of high-margin products

5,4%

5,6%

43 680

47 807

11451086

984883

975 876

821 940 932 906

1 045

800

1000

1200

1400

1600

1800

Portfolio balance (PLN m) 1) Market share (%) 2) Sale of loans (PLN m) 3)

(monthly avgerage)

9

Focus on the sale of products with shorter amortisation periods and higher spreads, such as cash, cars, SMEs loans and leases, according to the

Strategy. Sales growth of these products in 2013 was further up against the average level for the previous year by 26%, with a decrease in sales

of mortgage loans by nearly 1/3.

Sales in the first quarters of 2013 amounted to PLN 8,6 bln, i.e. increase by 8% on a year-to-year basis.4)

Share of foreign-currency loans in relation to the Bank’s total portfolio is steadily lower, with a drop to 31.4% 4) as at the end of September

2013, meaning it was lower by 4.8 p.p. than one year before.

1) 2012 figures for merged banks Getin Noble Bank and Get Bank. Loans with leasing.

2) Market shares calculated on the basis of NBP data (market = banks operating in Poland + Polish branches of credit institutions and branches of foreign banks + SKOKs)

3) Stand-alone GNB; 2012 figures for the merged banks of Getin Noble Bank and Get Bank

4) Stand-alone GNB

30.09.2012 30.09.201330.09.2012 30.09.2013

0

200

400

600

800

Q1'11 Q2'11 Q3'11 Q4'11 Q1'12 Q2'12 Q3'12 Q4'12 Q1'13 Q2'13 Q3'13

LOANS SALES MIX

GETIN NOBLE BANK

Sale structure change; shorter-term, faster-amortising loans, higher lending margins

-48%-64%

+18%+48%

239264

+16%

622

505

322

594

747

Other loansavg. month-to-moth sale [PLN m]

car loans

& leasing

Sales structure 1)

avg. month-to-month sale [PLN m]

1) Consolidated figures

2) A lending margin over WIBOR 3M for loans sold in 2012; the target margin level in the case of mortgage loans

2012

155195

2013

200277

+38%

+25%

MARGIN 2) 1,9% 6,8%

10

226

mortgage loans other loans

2011 2012 1-3Q 2013

retail loans

SME and

corporate loans

1 285 1 378

1 887 1 967 2 134 2 143 1 954

1 235 1 101

891 908 959 716

561 753

214 307 301 259 419 337 314 333 398 496 472 497 519 579 655

Q1'10 Q2'10 Q3'10 Q4'10 Q1'11 Q2'11 Q3'11 Q4'11 Q1'12 Q2'12 Q3'12 Q4'12 Q1'13 Q2'13 Q3'13

Mortgage loans Cash loans

Sale of mortgage and cash loans[PLN m]

RETAIL AND SME/CORPORATE LOANS

GETIN NOBLE BANK

Dynamically growing sales of high-margin loans

Corporate loans portfolio grew nearly 12 times faster than the market

+38,8% +14,5%

High sales dynamic on the difficult market.

Over the last 12 months the Bank’s consumer credit balance grew by 14.5%,

that means 5-time faster than the entire banking sector (+2.6%).

Total sales in the first three quarters of 2013 increased by nearly 1/3 on a

year-to-year basis.

472 497 519 579

655 4 286 4 415 4 560 4 725

4 905

Sale (PLN m) 1) Portfolio (PLN m) 1,2)

RETAIL LOANS

11

year-to-year basis.

+60,3%

Continuation of a dynamic increase in number of corporate Clients.

Over 130 000 ths of corporate customers are already in the Bank, i.e.

increase of 20% in the first three quarters of 2013.

Loans granted in three quarters of 2013 of PLN 899 m, i.e. nearly doubled

y/y.

Total loans sold in three quarters of 2013 at a record level of PLN 2,5 bln.

That was 40% more than in the same period of the previous year.

Intensive development of operations within public sector. These clients’

loans portfolio at the end of September 2013 of PLN 480 m was 16% higher

than at the end of June 2013 and 77% higher than in the previous year.

Negative market dynamic at the same time of -2%.

+94,0%

Q3'2012 Q4'2012 Q1'2013 Q2'2013 Q3'2013 30.09.2012 31.12.2012 31.03.2013 30.06.2013 30.09.2013

3 058 3 084 3 601

4 801 4 903

30.09.2012 31.12.2012 31.03.2013 30.06.2013 30.09.2013

463

622

829 762

899

Q3'2012 Q4'2012 Q1'2013 Q2'2013 Q3'2013

1) 2012 figures for merged banks Getin Noble Bank and Get Bank

2) Gross portfolio

SME AND CORPORATE LOANS

CAR LOANS AND LEASING

GETIN NOBLE BANK

+4,7% -0,9%

Maintained position of leader in car loans

390 436 428 426 408 4 082 4 108 4 098 4 064 4 047

Sale of car loans (PLN m) Portfolio (PLN m) 1)

12

3th place in the market for leases on vehicles after the first half of 2013.3)

4th place of Getin Leasing in the market of leasing companies in October

2013.3)

1st place in registration of cars and commercial vehicles among leasing

companies in period July - September 2013. 4)

+55,0%

Q3'2012 Q4'2012 Q1'2013 Q2'2013 Q3'2013 30.09.2012 31.12.2012 31.03.2013 30.06.2013 30.09.2013

292 320

343

425 452

Q3'2012 Q4'2012 Q1'2013 Q2'2013 Q3'2013

Leasing (PLN m) 2)

1) Balance of gross car loans portfolio

2) Net value of the leased assets

3) Figures according to ZPL

4) Figures according to CEPiK

CREDIT RISK

GETIN NOBLE BANK

30.06.201330.09.2013 change

1,0% -0,24 p.p.

2,8% 0,29 p.p.

0,6% -0,20 p.p.

5,4% 0,11 p.p.

1,2% -0,13 p.p.

Noticeable results of measures aimed at improving asset quality

1,2%

2,5%

0,8%

5,3%

1,4%

Cost of credit risk (%) 1)

corporate loans 2)

car loans

mortgage loans

retail loans

loans total

Impairment charges and loans balance (PLN m) 4)

281 292262

222 235

319

365

290

248 246268

214198

143 132

26 845

30 504 31 456 34 193

35 733

39 184 41 461 42 420 42 238

43 687 43 680 44 228 45 394 47 361 47 807

5 000

15 000

25 000

35 000

45 000

55 000

100

200

300

400

500

600

13

A further decrease in credit risk charges in 3Q

2013, i.e. by over PLN 136 m / 51% on a year-to-

year basis.

Decrease path in risk provisions level maintained –

3Q 2013 provisions 8% lower q/q.

In the last 12 months cost of risk decreased by

nearly a half.

The quality of the Bank’s new loan portfolio

maintained within the limits of its „risk appetite”

policy.

Regular transactions of NPL portfolio sale.

1) Result on provision for NIL and other accounts receivable to average loans volume; stand-alone GNB

2) Including leasing

3) Stand-alone GNB

4) Q1 2012 and Q2 2012 figures for the merged banks

of Getin Noble Bank and Get Bank

Avg monthly impairment charges (PLN ‘000) 3) 4)

1Q'2011 2Q'2011 3Q'2011 4Q'2011 1Q'2012 2Q'2012 3Q'2012 4Q '2012 1Q'2013 2Q'2013 3Q'2013

TOTAL LOANS 76 328 103 860 115 725 95 087 80 406 79 767 87 574 69 364 63 535 44 923 41 316

car loans 20 752 18 413 12 448 8 092 5 578 5 927 9 669 9 907 13 229 3 607 11 474

mortgage loans 34 922 66 823 86 413 77 230 72 407 67 079 52 708 38 261 26 128 18 452 5 332

retail loans 15 388 12 698 10 305 6 949 2 396 - 3 587 22 827 17 602 18 883 17 925 21 026

corporate loans 5 267 5 926 6 559 2 816 4 818 3 174 2 370 3 593 5 296 4 939 3 484

2011 2012 2013

-5 000

Q1'10 Q2'10 Q3'10 Q4'10 Q1'11 Q2'11 Q3'11 Q4'11 Q1'12 Q2'12 Q3'12 Q4'12 Q1'13 Q2'13 Q3'13

0

impairment charges loans portfolio balance

KEY FINANCIAL DATA

GETIN NOBLE BANK

PLN m 30.09.2013

4 787,2

64 910,4

53 035,2

+2,5%

+10,4%

+5,7%

30.09.2013/

31.12.2012

1 675,2 +36,2%

30.09.2012

4 306,7

57 449,5

49 688,4

1 108,9

+11,2%

+13,0%

+6,7%

30.09.2013/

30.09.2012

+51,1%

31.12.2012

4 668,8

58 806,1

50 185,4

1 229,6

47 807,1 +8,1%43 679,6 +9,4%44 227,9

Sub debt

Equity

(attributable to equity holders of the parent company)

Balance sheet total

Loans balance (incl. leasing)

Deposits balance

PLN m

14

43,7%

1,9%

12,6%

7,8%

+1,8 p.p.

-0,1 p.p.

+0,4 p.p.

+0,6 p.p.

3Q 2013

277,4

-220,9

100,2

-4,6%

+1,8%

-2,6%

3Q’13/

2Q’13

159,9 +24,3%

35,5%

2,3%

11,5%

10,8%

3Q 2012

313,7

-200,5

60,1

187,8

+8,2 p.p.

-0,4 p.p.

+1,1 p.p.

-3,0 p.p.

-11,6%

+10,2%

+66,7%

3Q’13/

3Q’12

-14,9%

41,9%

2,0%

12,2%

7,2%

2Q 2013

290,8

-217,0

102,9

128,6

NIM 1)

CAR 2)

ROE 1)

Net interes income

Net fee and commission income

Overhead costs

C /I – consolidated (%) 1)

(attributable to equity holders of the parent company)

Net profit

1) YTD data

2) Stand-alone GNB

DISCLAIMER

GETIN NOBLE BANK

This presentation has been prepared for information purposes only to be used by Getin Noble Bank S.A.’s customers and shareholders and by market analysts and may not be considered as an offer

or recommendation to execute any transactions. The information contained in this presentation is based on publicly available and reliable sources. However, Getin Noble Bank S.A. cannot

guarantee that this information is complete. Getin Noble Bank S.A. takes no responsibility for the consequences of any decisions based on any information contained in this presentation. The

information contained in this presentation has never been subject to independent verification and may at any time be subject to change or modification. The publication by Getin Noble Bank S.A.

of the figures contained in this presentation is not a breach of the regulations applicable to companies whose shares are traded on a regulated market. The information provided in this

presentation has already been disclosed in current or periodic reports published by Getin Noble Bank S.A. or constitutes an addition to those reports, and its publication does not require the bank

to fulfil the obligation to provide information as imposed on the bank as a public company. The content of this presentation may not, in any case, be interpreted as an express or implied statement

or assurance made by the company or its representatives. In addition, neither the company nor its representatives may be held liable, in any way (as a result of negligence or for any other reason)

15

or assurance made by the company or its representatives. In addition, neither the company nor its representatives may be held liable, in any way (as a result of negligence or for any other reason)

for any loss or damage that might arise in connection with use of this presentation or any content of this presentation or that might arise in any other way in connection with the information

contained in this presentation. n the event of a change to the company’s strategy or intentions or in the event of unexpected facts or circumstances affecting the company’s strategy or intentions,

the company is not responsible for informing the public of any possible modifications or changes to any information, data or statements provided in this presentation. This presentation contains

information relating to the Polish banking sector, including information on the company’s market share. Except for information described as based on other sources only, the market-related

information referred to above has been prepared based on data from the sources of the third persons named in this document and includes estimates, assessments, corrections and opinions based

on the company’s experience and knowledge of the sector in which the company operates. Since the market-related information referred to above has in part been prepared based on estimates,

assessments, corrections and opinions and has not been verified by independent third persons (except for information described as based on the sources of third persons), the information is, to

some degree, subjective in nature. It is presumed that the above estimates, assessments, corrections and opinions are based on reasonable grounds and that the market-related information

properly reflects the situation in the banking sector and in the markets in which the company operates. However, it is not certain that the estimates, assessments, corrections and opinions are the

most appropriate basis for conclusions relating to market information or that market information prepared by other sources will not be considerably different from the market-related information

contained in this presentation. Please note that the only reliable source of information on the situation of Getin Noble Bank S.A., forecasts, events, financial results and indicators is the current and

periodic reports published by Getin Noble Bank S.A. as part of its obligation to provide information.