Net assets of banking sector (PLN mn) Source: NBP In 2012, the balance sums growth reached 4.5% vs. the previous year, which proves the significant fall.

363 427,40

428 486,30469 701,50

466 520,20488 961,60

538 472,40

586 425,58

681 791,61

794 950,29

1 039 156,481 056 677,00

1 158 533,00

1 294 564,00

1 353 084,00

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Net assets of banking sector (PLN mn)

Source: NBP

In 2012, the balance sum’s growth reached 4.5% vs. the previous year , which proves the significant fall of its pace ( in 2011, the achieved result was 11.3%.).

Source: EBF

Assets vs. EU’s GDP in 2011 r. (%)

Source: NBP

Liabilities from the non-financial sector (PLN mn)

Źródło: KNF

Share of FX credits in mortgage loans for households in 2010-2012 (%)

Source: NBP

Impaired liabilities’ share (%)

11,00%

7,40%

5,20%

4,60%

7,90%

8,80%

8,20%

8,90%

2005 2006 2007 2008 2009 2010 2011 2012

Liabilities from non-financial sector (PLN mn)

285 664,10 295 981,90310 199,50

337 397,65

383 884,81428 247,64

506 088,50

574 737,80

628 238,00

698 598 723 984

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Source: NBP

The annual growth of this figure amounted to 3.6% in 2012 and was significantly lower than in previous years (growth of 12.6% and 9.3%, respectively).

Liabilities from foreign financial sector (PLN mn)

Source: KNF

104 096

170 065

188 599

157 167

2009 2010 2011 2012

25 76730 689

37 769 40 558 40 564 42 71946 587

51 234

61 765

77 569

89 737100 599

110 681

128 890

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Banking sector’s own funds (PLN mn)

Sorce: NBP

Banking sector’s solvency ratio

Source: KNF

12 264,0

13 658,2

8 089,2

11 477,0

15 539,416 138,5

2007 2008 2009 2010 2011 2012

Net financial result of banking sector (PLN mn)

Source: NBP

1,69% 1,66%1,53%

0,79%

1,04%

1,27% 1,22%

2006 2007 2008 2009 2010 2011 2012

Source: NBP

Effectiveness ratio - ROA (%)

22,31% 22,40%20,50%

9,73%11,70%

15,60%14,60%

2006 2007 2008 2009 2010 2011 2012

Effectiveness ratio - ROE (%)

Source: NBP

Interest margin (%)

Source: NBP

3,28% 3,26%3,11%

3,35%

2,50%

2,78%2,85%

2,68%

2005 2006 2007 2008 2009 2010 2011 2012

Source: NBP

Operating costs ratio (%)

65,50% 62,87%60,29%

56,30% 54,40% 54,30% 51,30%50,90% 50,90%

2004 2005 2006 2007 2008 2009 2010 2011 2012

C/I ratio in EU in 2011 (%)

Source: EBF

33 90942 125

48 924

56 539 61 715

70 434

78 360

85 819

2005 2006 2007 2008 2009 2010 2011 2012

Cooperative banks’ assets (PLN mn)

Source: NBP

In 2012 balance sheet amount’s growth in cooperative banks reached 9.5%, and was respectively slightly lower than in 2011 (11.3%).

Cooperative banks’ share in banking sector’s assets (%)

Source: NBP

6,2 6,25,4 5,8 6,1 6,1 6,3

2006 2007 2008 2009 2010 2011 2012

509

683

900

690736

898

980

2006 2007 2008 2009 2010 2011 2012

Net financial results of cooperative banks (PLN mn)

Source: NBP

The pace of the net profit growth amounted to 9.1% last year.

Value of ROE ratio in cooperative banks (%)

Source: NBP