ČSOBBanking Services for

Corporates and Organizations

1st ČSOB Czech – Asian Business Forum Prague, 5th March 2007

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ČSOB – Member of KBC Bank and Insurance Group

ČSOB – Specialised and Institutional Banking

ČSOB – Export and Structured Trade Finance

ČSOB – Acquisition and Leveraged Finance

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ČSOB belongs to major players in Central Europe

Operates as :

universal bank strong group offering a full range of

banking and other financial services bank with well diversified business:

retail, SME, corporates, institutional clients, financial markets

bank with significant international involvement

Operates as :

universal bank strong group offering a full range of

banking and other financial services bank with well diversified business:

retail, SME, corporates, institutional clients, financial markets

bank with significant international involvement

No. 1 the Czech Republic

No. 4 in the Slovak Republic

2nd largest bank in Central Europe

Traditional market leader in international banking

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Shareholders

ČSOB´s registered capital = CZK 5,105 m (EUR 157 m)

EBRD 7.47 %Others 2.56 %

KBC Bank NV

89.97 %

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• KBC is the largest Belgian based bank-assurance group

• KBC Group is one of the largest financial groups acting in Central Europe

• world-wide presence in 30 countries

• focus on Belgium and Central Europe as its „two home markets“

• long-term ratings

• Moody´s: Aa3 S&P: A+ Fitch: AA-

Main presence in Central and Eastern Europe:

KBC Group

Country Bank Market ShareCzech Republic ČSOB Bank with the biggest market shareSlovak Republic ČSOB 4th biggest bankHungary K&H Bank 2th biggest bankPoland Kredyt Bank SA 5th biggest bank

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ČR + SR

2004 2005

162 235

Poland

2004 2005

25 77

Hungary

2004 2005

31 38

64 %ČSOB

0.24 bn

CEE

0.37 bn

KBC Group

2.18 bn

KBC Group in Central & Eastern Europe

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2006 Financials

Equity

Total Assets

Net Profit

CAR (Capital adequacy ratio)

EUR 1,876 million

EUR 27,225 million

EUR 344 million

9.28 per cent

ČSOB – A Profile

Ratings Long-term

Short-term

Other

Moody´s A1 Prime-1Financial strength

C-

Fitch A+ F1 Individual B/C Support 1

Capital Intelligence BBB+ A2Financial strength

BBB+

Support 2

ČSOB ratings by Moody´s, and CI are at the same level as the country ceiling, i.e. the highest possible. Long-term rating from Fitch is one notch below the sovereign level.

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Diversified Financial Services

ČSOB Group confirms its character as a universal financial institution, strong in all clients´ segments.

The largest contributor to the Group operating income (CZK 27.3 bn) is Retail with 50 %.

SME and Corporate segments account for 17 % and 15 %, respectively.

Segments’ contributions to operating income

Subsidiaries Retail

21 %

Retail, excl. PSB

14 %

SME

16 %

Other (excl. SI)

14 %

Bank SR

9 %

Corporate

11%

Subsidiaries Corporate2 %

PSB

14 %

SMECorp.

Retail

Other

2 %

1%2 %

4 %

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Bank of the year in the Czech Republic 2002

The most trustworthy bank in the Czech Republic 2002

2002-2003 Award for excellenceThe best bank in the Czech Republic

Award for excellence 2003 & 2004 The best FX bank in the Czech

Republic

Corporate Bank of the year 2005

Bank of the year 2006 in the Czech Republic

ČSOB – International Awards

Award for excellence 2006the Best FX Bank in

the Czech Republic

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ČSOB – Member of KBC Bank and Insurance Group

ČSOB – Specialised and Institutional Banking

ČSOB – Export and Structured Trade Finance

ČSOB – Acquisition and Leveraged Finance

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Organizational structure

Acqu isition and Leveraged F inance

Synd icated Loans

Pro ject F inance

Real Estate F inanc e

Export and Structu red Trade F inance

EU Centru m

Cap ital M arket Products

Corporate Specialised Finance(C S F )

Bank Relations

Non-banking Financial Institu tions Branch

Pub lic Sector Institu tions

Custody/Trustee

Institutional Banking G roup Strategic Projects

Specialised and Institutional BankingM arek Ditz

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ČSOB – Member of KBC Bank and Insurance Group

ČSOB – Specialised and Institutional Banking

ČSOB – Export and Structured Trade Finance

ČSOB – Acquisition and Leveraged Finance

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ČSOB Export and Structured Trade Finance

• sustained market presence• experienced team of export finance specialists• hands-on experience with complex structured models of

export financing• access to state support through co-operation with Export

Credit Agencies◦ EGAP, Czech Republic◦ EXIMBANKA SR, Slovak Republic

• access to KBC Group network including relevant ECAs

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Export Finance – Key Features

• extended to the importer or the importer´s bank

• up to 85% of the contract value• financing according to the OECD

Guidelines

• political risk insurance• commercial risk insurance

• financing of up to 2/3 of the downpayment portion of the export contract

• loans to finance investments related to export projects (e.g. BOT structures)

• terms and conditions according to the structure of the export project

Comprehensive credit risk cover provided by ECA

Commercial credit/s

Export buyer´s credit

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Purchase of Export Receivables – Key Features

• extended to the importer in the export contract

• export receivables sold to ČSOB

• ECA insurance cover (up to 90%)• financing up to 90% of the export

contract value• deferred payment terms as defined

in the export contract• maximum tenor according to the

contract and ECA cover

• Promissory Notes or Bills of Exchange

• invoices accompanied by acknowledgement of the debt by the importer

Purchase of receivables

Payment instruments

Export supplier´s credit

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Export Finance – Selected Asian Credentials

The Philippines

Metro Rail Transit Corporation

USD 88.4 million

10Y export credit

Financing deliveries of rail vehicles, components and

services to the Manila Light Rail Transport System

Indonesia

PT. Bank Mandiri (Persero)Tbk.

EUR/USD 40 million

up to 5Y export credits

General Loan Facility Agreement

Financing Czech exports of goods and services

Kazakhstan

Kazkommertsbank JSC

EUR 6.8 million

1Y revolving credit

Financing deliveries of cars and components

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ČSOB Export Finance Exposure

By countries:

Asia35%

Europe53%

Russia and CIS10%

South America

2%

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ČSOB – Member of KBC Bank and Insurance Group

ČSOB – Specialised and Institutional Banking

ČSOB – Export and Structured Trade Finance

ČSOB – Acquisition and Leveraged Finance

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• KBC Group acts in the area of Acquisition Finance through its five specialized teams in Western Europe (Brussels, London, Paris, Frankfurt, Dublin) and through its subsidiaries in the CEE region (ČSOB, K&H, Kredyt Bank)

• ČSOB´s responsibility is to provide services of Acquisition Finance on the Czech and Slovak markets „ČSOB is prepared to utilize its experience and local market knowledge, as well as its parent company´s

European market experience and know-how, to provide structured finance services, including

acquisition finance .“

ČSOB Acquisition Finance

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Services provided by Acquisition Finance

financing of both kinds of acquisition transactions, M&A and LBO including MBO/MBI

structuring of the debt financing of the transaction

providing of senior debt (in some cases the junior debt is also possible on the pro rata basis)

arranging of clubs/syndicates, including inter-creditor framework, if needed

flexible approach to the refinancing in the mature stage of transactions

ensuring the transactions´ support through the affiliates – Patria Finance (advisory), KBC Private Equity (mezzanine and equity instruments)

„ČSOB is able to arrange senior and partially junior financing of acquisition transactions and also design

inter-creditor arrangements“

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„ČSOB is able to deal with wide range of transactions, and through its branch network is able

to provide its clients with high quality post transaction services“

5 experts dedicated to acquisition finance

two sub-teams for (i) small transactions (below EUR 10 mln) and (ii) large transactions

portfolio of approx. EUR 300 mln

providing whole range of banking services via its corporate branch network

cooperation with strategic as well as with financial investors (PEFs)

cooperation with other banks on cross border transactions with certain Czech or Slovak risk element

ČSOB Acquisition Finance team

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Syndicated Acqusition Facilities

Joint Arranger

2003

Primus, N.V.

2004

Sokolovská uhelná, a.s.

Acquisition Senior Loan

Mezzanine FacilityArranger, Facility Agent

and Senior Lender

2004

Karneval Media s.r.o.

Syndicated Credit Facilities

Senior Lead Arranger

2005

MUS,a.s.

Appian Group,a.s.

Arranger, Agent, Lender

NOWACO Czech Republic s.r.o.

JP Morgan Partners and Bancroft Private

equity

Mandated Arranger, Agent, Lender

2005

2006

Pražská energetika, a.s.

Acquisition TermLoan

Mandated Arranger, Facility Agent

2006

TATRA, a. s.

Acquisition Financing

Mandated Lead Arranger

2006

RPG Industries (OKD)

Recapitalization

Lead Arranger

Acquisition Finance - Credentials

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Na Poříčí 24 • 115 00 Praha 1 • Czech Republic

Corporate and Institutional BankingMarek DitzExecutive DirectorPhone: +420 261 359 090E-mail: mditz@csob.cz

Export and Structured Acquisition FinanceTrade FinanceMichal Bakajsa Jiří Bohal Director Director Phone: +420 261 359 334 Phone: +420 261 359 395E-mail: mbakajsa@csob.cz E-mail: jbohal@csob.cz

www.csob.cz

Contacts: Československá obchodní banka, a. s. (ČSOB)