THE BEST RETAIL BANK („BANK DLA KOWALSKIEGO”) ACCOR … · PRESENTATION OF FINANCIAL RESULTS FOR INVESTORS AND ANALYSTS – NOVEMBER 14 th, 2016. AGENDA 1. ... (25 bp), binding

THE BEST RETAIL BANK („BANK DLA KOWALSKIEGO”) ACCOR DING TO NEWSWEEKPRESENTATION OF FINANCIAL RESULTS FOR INVESTORS AND ANALYSTS – NOVEMBER 14th, 2016

AGENDA

1. Summary and Key Business Highlights

2. Key financials

3. Appendix

Increase in net interest-fee income in Q3'16 in line with the strategy of strengthening the core income of the Bank.

Consistent improvement in net interest income. Increasing NIM, close to 2 p.p. level.

Consistency in reducing the cost of funding. Decrease in interest expenses in Q3'16 by PLN 15 m q/q and by PLN 294 m y/y (YTD).

The cost of deposits declined by 124 bp since the end of 2014. Interest rates on customer deposits fell in 2016 already by 40 bps.

Interest expenses decline dynamic two times higher than the the decline in interest income (decreasing RWA).

High growth in net interest income in 2016 (PLN 121 m / 14%) y/y.

Robust growth in fee income by 19% q/q.

Increase in coverage ratio due to loan loss provisions at a level slightly higher than the standardized (+2.5 p.p. i 2016); building a base

for NPL sale in 2017.

High capital adequacy ratios comply with new, additional capital requirements for Systemic Important Institutions.

15.9% and 12.5% of CAR and CET1 ratios as at 30 Sep 2016.

Increase of CAR and CET1 in the last 12 months, respectively by 3.0 p.p. and 2.7 p.p.

Achieving higher capital ratios primarily due to the consistent reduction of RWA, mainly mortgage laons, at the expense of current

earnings.

5

4

3

Strong liquidity position (L/D 84%).

Bank’s loan balance decreased by PLN 2.8 bn since the beginning of 2016. Decrease in line with the New Bank’s Strategy.

Systematically decreasing mortgage loans portfolio: PLN 1.4 bn decrease in 2016.

No wind farms exposures.

6

The continued implementation of the New 2016-2018 Strategy "Bank, we can be proud of":

� Decreasing operating expanses by PLN 6.7 m (q/q) and PLN 62.5 m (y/y, YTD) in effect of introduced changes in Bank

� Current account and ON deposits increased by PLN 1 bn in 2016.

7

Q3 2016 - HIGHLIGHTS

3

3rd quarter 2016 net result significantly better than one planned in adopted „Plan trwałej poprawy rentowności” ppproved by the

Polish FSA. Q3'16 Bank’s net profit of PLN -26.5 m. Total net profit for the three quarters in the amount of PLN 117.8 m stand-alone and

PLN -43.7 m consolidated.1

Positive quality changes have been independently audited in the 15th "Newsweek Friendly Bank 2016" ranking.

Getin Noble Bank 1st in the „Bank dla Kowalskiego„ (retail bank) category. In addition, GNB was on the podium in „Internet banking”

category.

2

GNB’S SUCCESS IN NEWSWEEK QUALITY RANKING.

1st

„Bank dla Kowalskiego” (the best retail bank)

3rd

„Internet banking”

Getin Noble Bank on podiumin two categories.

(#1 in „Newsweek Friendly Bank 2016” ranking)

INITIATIVES IMPLEMENTED IN 2016.

Segmentation and service model for each customer group.

Process optimization and simplification of procedures related to the opening of current accounts.

Standards of service in branches and Call Center.

Constant monitoring of service quality.

Optimization of the key areas of the communication with customers process.

Modification of the incentive system in sales network.

Training and certification for all sales channels.

Improvement of internal communication by the internal forum start-up.

Improvement of selected Internet Banking features.

Implementation of the new Mobile Banking.

Change in media image initiated.

Start of work on the simplification of procedures.

Implementation of new acquisition products.SA in August 2016. New ROR scheduled for 2017.1

Sales network optimisation.2

360º customer view and context-sensitive information for the sales channels.3Further improvement of internal communication and knowledge and information management.4

Reliable and efficient Bank image creation.5

Further simplification of service.6

Remaining product processes optimisation.7

Dynamic development of remote channels - Internet Banking and Mobile.8

Intensive development of management and operational information.9

KEY ACTIONS PLANED FOR Q4’16 AND 2017.

87,9% 88,3% 84,7% 86,2% 84,2%

Sep'15 Dec'15 Mar'16 Jun'16 Sep'16

7

PLN 2.4 bn of the issued subordinated debt as at the

end of June 2016.

PLN 220 m issued in 9M 2016.

1 stand-alone

12,9%

15,9%

9,8%

12,5%

Sep-15 Sep-16

CAR CET1

+3.0p.p.+2.7p.p.

Loans/deposits

level required by FSA

15.28%

11.77%

ROBUST GROWTH OF CAPITAL RATIOS ABOVE FSA REQUIREMENTS.

The minimum levels of capital adequacy ratios,

including other systematically important

institution buffer (25 bp), binding since October

2016, are as follows::

TCR = 15.39%

CET1 = 11.92%

According to FSA’s decision on 20 October 2016

required level of the Bank’s additional capital

requirement for hedging the risk related to FX

mortgage loans granted to households has been

reduced to a level of 1.89% (from the current

2.03% and 2.01% on a stand-alone and

consolidated level, respectively).

Capital Adequacy Ratio1

Additional liquidity enables to effectively

reduce the cost of funding

One of the lowest ratios in

the banking sector

2,00

2,20

2,40

2,60

2,80

3,00

3,20

gru 14 lut 15 kwi 15 cze 15 sie 15 paź 15 gru 15 lut 16 kwi 16 cze 16 sie 16 paź 16

8

• Getin Noble Bank

stopping the process of lowering

financing costs as a result of

turbulence in the foreign

exchange market

-105 bp

317 bp

212 bp

Net interest margin

Interest expenses in 1-3Q 2016 lower

by PLN 294 m vs 1-3Q 2015

Current accounts¹

Interest rate on Clients’ deposits decreased

already by 40 bps in 2016

CONSISTENT REDUCTION OF THE COST OF FINANCING AND INCREASE OF NIM.

Interest rate of deposit portfolio in GNB

Decreasing cost of deposits (pp)

Source: prnews.pl 1 Excluding Bank BOŚ due to lack of comparability (BOŚ since 2013 presents current accounts together with savings accounts); Alior Bank together with T-Mobile Usługi Finansowe; mBanktogether with Orange Finanse; PKO BP together with Nordea Bank; BGŻ together with BNP Paribas

Bank y/y change (Jun-16)

% (ths.)

13.9% +254

10.7% +57

9.8% +160

9.5% +295

9.2% +220

8.1% +37

6.1% +180

2.9% +28

1.9% +71

1.8% +120

1.6% +22

-1.1% -10

-3.3% -34

-5.8% -16

-7.2% -20

-9.0% -791,62% 1,66% 1,70%1,78%

1,92% 1,94% 1,96%

Mar'15 Jun'15 Sep'15 Dec'15 Mar'16 Jun'16 Sep'16

18,0%

9,3%

Se

p'1

6

Jun

'16

Ma

r'1

6

De

c'1

5

Se

p'1

5

Jun

'15

Ma

r'1

5

De

c'1

4

Se

p'1

4

Jun

'14

Ma

r'1

4

De

c'1

3

Se

p'1

3

Jun

'13

Ma

r'1

3

De

c'1

2

0,00

1,00

2,00

3,00

4,00

5,00

6,00

7,00

Jan

-12

Ap

r-1

2

Jul-

12

Oct

-12

Jan

-13

Ap

r-1

3

Jul-

13

Oct

-13

Jan

-14

Ap

r-1

4

Jul-

14

Oct

-14

Jan

-15

Ap

r-1

5

Jul-

15

Oct

-15

Jan

-16

Ap

r-1

6

Jul-

16

Oct

-16

NBP rate GNB 3M rate

9

Portfolio balance (PLN bn) 2

+5.1%

53,0 51,5 54,4 54,4 53,3 53,8 57,5 55,2 56,5 55,7 56,7 55,1 55,7

Se

p'1

3

De

c'1

3

Ma

r'1

4

Jun

'14

Se

p'1

4

De

c'1

4

Ma

r'1

5

Jun

'15

Se

p'1

5

De

c'1

5

Ma

r'1

6

Jun

'16

Se

p'1

6

GNB highly efficient in reducing the cost of funding1

6,0%

5,4%5,0%

4,7%4,5%

3,6%3,6%3,6%3,5%3,3%

3,1%2,9%2,9%

2,4%2,4%2,3%

6,0%

5,4%

4,6%

4,2%3,8%

3,6%3,5%3,5%3,5%3,3%

2,9%2,7%2,6%

2,4%2,3%2,3%

YTD QTD

-0.6 pp during the last

12 months

Current deposit & ON share in total de

GNB’S Retail Deposit Rates vs NBP reference rates

+ PLN 5.3 bn

RECORD LOW COST OF FUNDING.GREAT POTENTIAL.

the next attack for a

decrease in cost of funding

further decrease

of GNB’s headline

rate by -10 bps

1 Interest expense / average interest bearing liabilities 2 For 2012 figures for merged banks Getin Noble Bank and Get Bank

224 226

210218

211 200

194 191 192182

188 180

170 172

Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q1 2016 Q2 2016 Q3 2016

costs costs excl. BFG and KNF

10

Operating expanses (PLN m)1

-7.4% y/y change

-2.9% q/q change

-5.6% y/y change

1.2% q/q change

2

46,8% 54,0%

39,9% 46,0%

54,9%

47,1%

3

56,0%

48,0%

37,1%

31,6%

52,3%

44,3%

HIGH COST REGIME MAINTAINED. COST-SAVING INITIATIVES IMPLEMENTATION.

56,7%

49,3%

C/I ratio(ytd)

1 stand-alone

2 excluding BFG (Banking Guarantee Fund) and KNF (Polish Supervision Authority) costs

3 without the cost of payments to the Banking Guarantee Fund re. bankruptcy of SK Bank and provisions for contribution to the Mortgage Borrowers Support Fund in Q4 2015

Bank’s operating cost in Q3’16 by

PLN 15 m / 7% lower y/y

11

� Successfully built portfolio of fast-rotating loans with high profitability and stable risk.

� Balance increase is temporarily stopped due to the reduction in sales in the framework of actions to reduce the level of RWA

+ PLN 0.5 bn / +15%

1Q’15 2Q’15SALES 3Q’15 4Q’15

0.570.620.63 0.48

1Q’16

0.36

2Q’16

0.38

LOWER SALES AS A CONSEQUENCE OF THE IMPLEMENTATION OF THE CAPITAL PLAN.

3Q’16

0.39

Cash loan balance1

and quarterly sale level (PLN bn)

1 excluding instalment loans, credit cards and other retail loans

3,54 3,73

3,93 4,04 4,06 4,02 4,03 4,07

Dec-14 Mar-15 Jun-15 Sep'15 Dec'15 Mar'16 Jun'16 Sep'16

AGENDA


2. Key financials

3. Appendix

13

c

Assets (PLNm) 2011 2012 2013 2014 2015 3Q 2016

Amounts due to banks (inlc. CB) 5.736 5.012 4.010 5.285 5.019 3.715

Financial instruments available for sale 4.542 7.200 8.758 11.405 12.541 14.662

Customer loans 42.078 43.833 47.952 48.532 49.225 46.890

Other assets 1.866 2.440 2.897 3.574 3.971 3.511

Total assets 54.222 58.485 63.617 68.796 70.756 68.778

Liabilities (PLNm)

Liabilities to banks 579 795 3.140 4.822 3.829 2.706

Debt securities 812 1.966 3.158 3.755 4.093 3.702

Customer deposits 47.217 50.185 51.486 53.847 55.726 55.710

Equity(attributable to equity holders of the parent

company)

3.900 4.356 4.775 5.076 5.164 5.184

Other liabilities 1.714 1.183 1.058 1.296 1.945 1.475

Total 54.222 58.485 63.617 68.796 70.756 68.778

15,2%

9,2%

65,4%

10,2%

Autmotive (car loans and

leasing)

Retail loans

Mortgage loans

SME and public sector

loans

PLN 46.9 bn

66,2%

12,3%

2,9%

2,8%

10,9%

4,9%

Retail term

Retail current

Corporate current

Public sector current

Corporate term

Public sector term

0

10 000

20 000

30 000

40 000

50 000

60 000

70 000

80 000

2011 2012 2013 2014 2015 3Q'16

Customer loans

Financial instruments available for sale

Amounts due to banks (inlc. CB)

Other assets

0

10 000

20 000

30 000

40 000

50 000

60 000

70 000

80 000

2011 2012 2013 2014 2015 3Q'16

Other liabilities

Equity

Liabilities to banks

Debt securities

Customer deposits

PLN 55.7 bn

-0.4p.p.

-1.2p.p.+1.2p.p.

+0.4p.p.

change vs 3Q 2015

Assets Liabilities

18.0%

Balance Sheet Overview

FAVOURABLE CHANGE IN ASSETS’ STRUCTUREGOAL: INCREASE OF EFFICIENCY AT REDUCING THE SCALE OF OPERATION

By Type (in PLN m) Split-up od customer loans (Sep-16)

Split-up of customer deposits (Sep-16)

Impaired loans portfolio splited into impairment evidence categories (PLN m)

14

ASSET QUALITY – IMPAIRED LOANS

Changes in the impairment methodology related to th e recommendations of the Financial Supervision Authority - additional category of loans with soft e vidence of impairment created

wrz-2015

A significant part of the loans recognized accordance with the

revised methodology, as of impaired loans are loans

regularly serviced by the Customers

PLN 1.5 bn… loans

regularly serviced included in

impaired balance in result of

KNF recommendations

implementation examples

No contact with borrower

Lower borrowers’ income

Scoring deterioration

52 703 52 245 53 311 53 277 52 582

51 597 50 507 49 954 49 523

-

10 000

20 000

30 000

40 000

50 000

60 000

-

1 000

2 000

3 000

4 000

5 000

6 000

7 000

8 000

9 000

1 2 3 4 5 6 7 8 9

>90 DPD other ''hard' default criteria other ''soft' default criteria loan portfolio balance

8.9%

8.5% 8.5%

3.7%

3.4%3.5%

4.0%

3.4%

3.0%

7.1%

3.4%

2.8%

7.8%

2.6%

3.2%

8,.%

3.0%2.6%

10.4%

9.4%

8.7%

2.5%

Dec’14 Mar’15 Jun’15Sep’14 Sep’15 Dec’15 Mar’16 Jun’16 Sep’16

share in totalloan portfolio

Coverage Ratio

42.5%

3.1%

43.2%7.9%

Sep-2016

3.0%

6.0%

12.0% 11.2%

3.1%

Sep-20151 2

>90 DPD 'hard' premises 'soft' premises

3,17

2,75

2,84

2,83

2,53

2,67

2,97

2,68

3,46

3,67

3,72

15

Loans (PLN bn)2

47,4 48,0 48,4 48,8 48,6 48,5 49,9 50,3 49,7 49,2

48,1 47,5 46,9

Sep'13 Dec'13Mar'14 Jun'14 Sep'14 Dec'14Mar'15 Jun'15 Sep'15 Dec'15Mar'16 Jun'16 Sep'163,61

3,28

2,78

total

quarterly

sales

[PLN bn]

Q3’16/Q3’15-33%

Q3’16/Q2’16+1%

2,19

2,45

2,60

2,44

2,59

2,48

Decreasing

business scale

2,09

1,72

• Effective actions to reduce the scale of business – loan balance

on a consolidated basis lower by PLN 2.8 bn than a year earlier.

• Focusing on the strategic lines; systematic amortization of the

mortgage portfolio

• No wind farms exposures.

BALANCE SHEET – LOANS SALES MIX

1,74

Sales of loans – quarterly (in PLN m)

2 2011 figures for merged banks Getin Noble Bank and Get Bank

1 Consolidated figures

- 500 1 000 1 500 2 000 2 500

Q1'11

Q2'11

Q3'11

Q4'11

Q1'12

Q2'12

Q3'12

Q4'12

Q1'13

Q2'13

Q3'13

Q4'13

Q1'14

Q2'14

Q3'14

Q4'14

Q1'15

Q2'15

Q3'15

Q4'15

Q1'16

Q2'16

Q3'16

mortgage loans

retail loans

car loans +

leasing

corporate loans

q/q dynamic

car loans 0%

+ leasing

retail +5%

SME & corporates 0%

mortgage -20%

30.09.2016 31.12.2015 change

Corporate loans2 0.6% 0.1% 0.5 p.p.

Car loans 0.9% -0.5% 1.5 p.p.

Mortgage loans 1.0% 0.7% 0.3 p.p.

Retail loans 4.4% 4.0% 0.4 p.p.

Loans total 1.3% 0.8% 0.5 p.p.

• The quality of the Bank’s new loan portfolio

consequently maintained within the limits of its „risk

appetite” policy.

2011 2012 2013 2014 2015 2016

1Q’14 2Q’14 3Q’14 4Q’14 1Q’15 2Q’15 3Q’15 4Q’15 1Q’16 2Q’16 3Q’16

TOTAL LOANS 97.8 79.3 49.5 49.6 51.3 71.3 56.3 39.5 21.0 42.6 36.2 52.4 41.8 61.7

Car loans 14.9 7.8 9.2 1.6 8.2 7.8 -0.2 -4.5 -6.0 2.8 2.5 4.1 -1.8 3.7

Mortgage loans 66.3 57.6 14.7 26.7 25.4 43.7 33.2 43.0 16.5 15.8 1.2 16.2 34.2 28.0

Retail loans 11.3 10.4 19.4 15.9 13.5 11.4 18.6 -3.2 15.1 20.6 32.4 28.7 0.9 27.6

Corporate loans & other 5.2 3.5 6.2 5.4 4.3 8.4 4.7 4.2 -4.6 3.3 0.1 3.5 8.4 2.4

impairment charges Loan portfolio balance

365

290

248 246268

214198

143 132152 157 163

224

189

128

67

128107

157125

185

41 136 41 880 43 29644 987

47 367 48 414 48 581 49 933 49 68148 053

46 890

Q3'11 Q4'11 Q1'12 Q2'12 Q3'12 Q4'12 Q1'13 Q2'13 Q3'13 Q4'13 Q1'14 Q2'14 Q3'14 Q4'14 Q1'15 Q2'15 Q3'15 Q4'15 Q1'16 Q2'16 Q3'16

Loan impairment charges and loans balance (in PLNm) 3,4 Cost of credit risk (%) 1

Average monthly loan impairmant charges (PLN ths.) 3, 4

16

ASSET QUALITY – CREDIT RISK

1 Result on provision for NIL and other accounts receivable to average loans volume; stand-alone GNB2 Including leasing and others

3 Stand-alone GNB4 Q1 2012 and Q2 2012 figures for the merged banks of Getin Noble Bank and Get Bank

0,1%

1,1% 1,3%1,0%

0,3% 0,2%0,0%

1,9%

5,4%

4,1%

1,2%0,9%

0,5%0,1% 0,0% 0,0%

6M 12M 17

ASSET QUALITY – CREDIT RISK

Bank efficiently adjusts procedures of evaluation and acceptance to market conditions and Clients’ si tuation.

6,6%

3,5%

2,3% 2,1%

3,1%

1,3% 1,3%1,9%

1,6%1,3% 1,3%

1,8%

0,9%

01

'09

05

'09

09

'09

01

'10

05

'10

09

'10

01

'11

05

'11

09

'11

01

'12

05

'12

09

'12

01

'13

05

'13

09

'13

01

'14

05

'14

09

'14

01

'15

05

'14

09

'15

01

'16

05

'16

2,6%

1,8%

0,7% 0,6% 0,8% 0,6% 0,5%0,2% 0,1% 0,2% 0,0%

01

'09

05

'09

09

'09

01

'10

05

'10

09

'10

01

'11

05

'11

09

'11

01

'12

05

'12

09

'12

01

'13

05

'13

09

'13

01

'14

05

'14

09

'14

01

'15

05

'14

09

'15

01

'16

05

'16

Retail loansPortion of 30 DPD in repayment of the third instalment (%)

Car loansPortion of 30 DPD in repayment of the third instalment (%)

Mortgage loansLoan default rates: 90+ after 6 and 12 months from loan disbursement for loans

disbursed in the different quarters starting from 2008

AGENDA


2. Key Financials

3. Appendix

19

30.09.2016/ 30.09.2016/

PLN m 30.09.2016 31.12.2015 30.09.2015 31.12.2015 30.09.2015

Equity

(attributable to equity holders of the parent company)5,177.8 5,163.8 5,293.7 +0.3% -2.2%

Sub debt 2,351.9 2,133.3 2,096.3 +10.2% +12.2%

Balance sheet total 68,781.7 70,756.5 70,920.0 -2.8% -3.0%

Loans balance (incl. leasing) 46,890.0 49,225.0 49,681.1 -4.7% -5.6%

Deposits balance 55,710.5 55,726.2 56,504.9 -2.8% -3.0%

1-3Q’16/

PLN m 1-3Q 2016 1-3Q 2015 1-3Q’15

Net interest income 977.9 856.6 +14.2%

Net fee and commission income 89.7 266.1 -66.3%

Administration costs -646.8 -709.2 -8.8%

Net profit/loss(excl. banking tax)

-3.3 249.7 X

Net profit/loss -41.5 249.7 X

C /I1 56.8% 55.8% +1.0 p.p.

ROE(excl. banking tax)

-0.1% 6.6% -6.6 p.p.

ROE -1.1% 6.6% -7.7 p.p.

NIM1 2.0% 1.7% +0.3 p.p.

CAR 15.9% 13.4% +2.5 p.p.

1 YTD data

Appendix 1 / consolidated data

KEY FINANCIAL DATA (YTD)

20

30.09.2016/ 30.09.2016/

PLN m 30.09.2016 31.12.2015 30.09.2015 31.12.2015 30.09.2015

Equity

(attributable to equity holders of the parent company)5,177.8 5,163.8 5,293.7 +0.3% -2.2%

Sub debt 2,351.9 2,133.3 2,096.3 +10.2% +12.2%




3Q’16/ 3Q’16/

PLN m 3Q 2016 2Q 2016 3Q 2015 2Q’16 3Q’15

Net interest income 328.9 326.0 300.7 +0.9% +9.4%

Net fee and commission income 28.9 24.4 82.1 +18.5% -64.8%

Administration costs -207.9 -214.5 -220.9 -3.1% -5.9%


-25.6 2.5 41.0 X X

Net profit/loss -25.6 2.3 41.0 X X

C /I1 56.8% 56.5% 55.8% +0.3 p.p. +1.0 p.p.


-0.1% 0.9% 6.6% -1.0 p.p. -6.6 p.p.

ROE -1.1% -0.6% 6.6% -0.5 p.p. -7.7 p.p.

NIM1 2.0% 1.9% 1.7% +0.1 p.p. +0.3 p.p.

CAR 15.9% 15.6% 13.4% +0.3 p.p. +2.5 p.p.

Appendix 2 / consolidated data

KEY FINANCIAL DATA (QUARTERLY)

1 YTD data

21

30.09.2016/ 30.09.2016/

PLN m 30.09.2016 31.12.2015 30.09.2015 31.12.2015 30.09.2015

Equity 5,209.2 5,083.7 5,194.5 +2.5% +0.3%

Sub debt 2,342.9 2,124.3 2,086.9 +10.3% +12.3%




1-3Q’16/

PLN m 1-3Q 2016 1-3Q 2015 1-3Q’15

Net interest income 949.5 825.1 +15.1%

Net fee and commission income 43.6 221.6 -80.3%

Administration costs -605.7 -660.1 -8.2%


156.1 190.1 -17.9%

Net profit/loss 117.8 190.1 -38.0%

C /I1 46.7% 54.9% +3.5 p.p.


4.1% 5.1% -1.0 .p.p.

ROE 3.1% 5.1% -2.0 p.p.

NIM1 1.9% 1.6% +0.3 p.p.

CAR 15.9% 12.9% +3.0 p.p.

Appendix 3 / stand-alone data

KEY FINANCIAL DATA (YTD)

1 YTD data

22

30.09.2016/ 30.09.2016/

PLN m 30.09.2016 31.12.2015 30.09.2015 31.12.2015 30.09.2015

Equity 5,209.2 5,083.7 5,194.5 +2.5% +0.3%

Sub debt 2,342.9 2,124.3 2,086.9 +10.3% +12.3%




3Q’16/ 3Q’16/

PLN m 3Q 2016 2Q 2016 3Q 2015 2Q’16 3Q’15

Net interest income 319.5 315.3 292.6 +1.3% +9.2%

Net fee and commission income 12.9 4.5 69.1 +187.2% -81.3%

Administration costs -194.4 -200.2 -209.9 -2.9% -7.4%


-26.5 9.3 27.4 X X

Net profit/loss -26.5 9.1 27.4 X X

C /I1 46.7% 43.2% 54.9% -8.2 p.p. +3.5 p.p.


4.1% 7.2% 5.1% -3.1 p.p. -1.0 .p.p.

ROE 3.1% 5.6% 5.1% -2.5 p.p. -2.0 p.p.

NIM1 1.9% 1.9% 1.6% 0.0 p.p. +0.3 p.p.

CAR 15.9% 15.6% 12.9% +0.3 p.p. +3.0 p.p.

1 YTD data

Appendix 4 / stand-alone data

KEY FINANCIAL DATA (QUARTERLY)

23

• Getin Noble BankMORE ABOUT GETIN NOBLE BANK

MORE INFO ABOUT GETIN NOBLE BANK AND BANK’S STRATEGY

http://en.gnb.pl/prezentacje

INVESTOR RELATIONS WEBSITE

www.gnb.pl

e-mail address: [email protected]

CONTACT DETAILS

MORE INFO ABOUT GETIN NOBLE BANK

24

DISCLAIMER

This presentation (“Presentation”) has been prepared by Getin Noble Bank S.A. (the “Company”) for informational purposes only and may not, in any event, be considered or interpreted as anoffer and/or a recommendation to enter into any transaction. In particular, it may not be considered or interpreted as an offer to acquire any securities or as an offer, invitation or incentive tomake any acquisition offer, to make any investment or carry out any transaction involving such securities, nor may it be considered or interpreted as a recommendation to enter into anytransaction, particularly any transaction involving the Company’s securities.You are cautioned against using this presentation as the basis for making a decision to purchase or sell securities.

You are deemed to have represented and agreed that you and any customers you represent are either (a) qualified institutional buyers (within the meaning of Regulation 144A under the U.S.Securities Act), or (b) not a U.S. person and are outside of the United States and not acting for the account or benefit of a U.S. person (as defined in Regulation S under the U.S. SecuritiesAct).

Although information contained in this Presentation is based on generally available sources that the Company believes to be reliable, the Company cannot guarantee that this information is fulland complete. The Company takes no responsibility for the consequences of any decisions based on any information contained in this Presentation. The information contained in thisPresentation has never been subject to independent verification and may at any time be subject to change or modification.

This Presentation contains forward-looking statements. Such forward looking statements are only predictions and are not guarantees of future performance. Any such forward-lookingstatements are subject to risks, uncertainties and factors relating to the operations and business of the Company that may cause the actual results of the Company to be materially differentfrom any future results expressed or implied in such forward-looking statements.

The Company is not required to publicly disclose any possible modification or change to any information, data or statement contained in this Presentation if the Company changes its strategyor intentions or if any unforeseen events or circumstances occur that affect the Company’s strategy and/or intentions.

No information contained in this Presentation may, by any means, by considered or interpreted as a forecast or any express or implied representation or warranty whatsoever made by theCompany or any person acting on behalf of the Company. In addition, neither the Company nor any person acting on its behalf shall be liable, in any way whatsoever, for any loss or damagethat may be caused as a result of negligence or otherwise in connection with the use of this Presentation or any information contained in it, or for any damage that might otherwise arise inconnection with any information contained in this Presentation.

The publication by the Company of the data contained in this Presentation is not a breach of the regulations applicable to companies whose shares are traded on a regulated market,particularly on a regulated market of the Warsaw Stock Exchange (Giełda Papierów Wartościowych w Warszawie S.A.). The information provided in this Presentation has already beendisclosed in current or periodic reports published by the Company or constitutes an addition to those reports, and its publication does not require the Company to fulfill the obligation to provideinformation as imposed on the Company as a public company.

This Presentation does not purport to be complete. Please note that the only reliable source of information on the Company is the current and periodic reports published by the Company inperforming its information obligations, available on the Company’s web site at www.gnb.pl.

The Presentation is Confidential and should be treated as such and may not be copied or given to any other person, nor may the information contained therein be disclosed to any otherperson unless required by law. These materials are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use is contrary to locallaw or regulations.

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THE BEST RETAIL BANK („BANK DLA KOWALSKIEGO”) ACCOR … · PRESENTATION OF FINANCIAL RESULTS FOR INVESTORS AND ANALYSTS – NOVEMBER 14 th, 2016. AGENDA 1. ... (25 bp), binding