GENERAL MEETING DRAFT - Bankier.pl

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� Net profit attributable to the Group:
€1,702m
� Operating income: €27,572m, up by
2.6% y/y
� Operating profit: €12,248m, up by
20.3% y/y
� Strengthened balance sheet structure:
decreasing total assets, trading
business and net interbank position,
improving leverage ratio.
� Strengthened capital structure: Core
Tier 1 ratio up to 7.62%, +104 bp over
December 2008, post CASHES. Proforma
Core Tier 1 ratio considering a
successfully completed capital increase
in February 2010: 8.47%
� Operating costs steadily improving:
down by 8.2% y/y; Cost/Income ratio:
55.6%
� 2009 dividend: €0.03 per share
2009 CONSOLIDATED REPORT AND ACCOUNTS
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� Net profit attributable to the Group:
€371m (€394m in Q3 09)
� Operating income: €6,443m, q/q
increase in net fees and commissions
and reduction in the net trading,
hedging and fair value income, in line
with the industry trend
� Operating costs: €3,803m, steadily
down q/q
� Loan provisions: €2,068m, cost of risk
dropped for the second consecutive
quarter to 146 bp
� Operating profit: €2,640m, down from
Q3 2009 due lower net trading,
hedging and fair value income.
� Generation of 21bp of Core Tier 1
ratio during the quarter; capital ratios
up by 7bp, also considering the effect
of the dividend, which was fully
recognized in the accounts in Q4.
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