Financial Results for the First Half of 2012

GETIN NOBLE BANK GROUP

FINANCIAL RESULTS FOR THE FIRST HALF OF 2012

Presentation of audited financial results for investors and analysts

Warsaw, August 10th, 2012 GETIN NOBLE BANK INTRODUCTION

We are consistently pursuing our strategic goal...... to be ranked among the top five banks on the market.

Balance sheet total #6 (+4 positions 1)) Loans #5 (+1) Deposits #5 (+1) Interest income #4 (without change) Fee and commission income #5 (-1) Net result #7 (+2)

Key success factors…

» a consistently changing balance sheet structure (more shorter-term, faster-amortising products with higher profit margins) with profitability rates maintained » steady growth of revenue not related to credit risk » diversification of funding sources » effective reduction in the costs of risk » reduced financing pressure » successful implementation of the Individual Pension Account product, providing stable long- term financing (9.5 thousand customers and PLN 80 million worth of assets within four months since the launch of the product)

1) Initial results of banks for Q1 2012, as reported by the daily Rzeczpospolita; a move in the same ranking for Q1 2011 2 GETIN NOBLE BANK INTRODUCTION

Ranking of banks after first quarter of 2012 1)

Assets Equity Loans Deposits 1 PKO BP 189 733 1 PKO BP 20 490 1 PKO BP 140 947 1 PKO BP 144 202 2 Pekao 147 268 2 Pekao 19 164 2 Pekao 95 916 2 Pekao 109 066 3 BRE Bank 92 602 3 BRE Bank 10 949 3 BRE Bank 65 233 3 ING 52 440 4 ING 72 263 4 BZ WBK 7 044 4 ING 48 993 4 BRE Bank 49 705 5 BZ WBK 59 010 5 ING 5 845 5 Getin Noble Bank 41 593 5 Getin Noble Bank 47 773 6 Getin Noble Bank 55 269 6 Bank Millennium 5 067 6 Bank Millennium 40 234 6 BZ WBK 43 486 7 Bank Millennium 50 732 7 Bank Handlowy 4 795 7 BZ WBK 38 122 7 Bank Millennium 37 673 8 Kredyt Bank 43 146 8 Getin Noble Bank 4 193 8 Kredyt Bank 30 171 8 Kredyt Bank 28 504 9 Bank Handlowy 40 839 9 BPH 4 145 9 Nordea Bank 27 090 9 BGŻ 23 398 10 BPH 35 786 10 Kredyt Bank 4 028 10 BPH 26 548 10 Bank Handlowy 23 061 advancement from 10 th position 2) advancement from 10 th position 2) advancement from 6 th position 2) advancement from 6 th position 2)

Interest income Fee and commission income Result from banking activities Net result 1 PKO BP 3 257 1 PKO BP 891 1 PKO BP 2 888 1 PKO BP 1 005 2 Pekao 2 049 2 Pekao 675 2 Pekao 1 888 2 Pekao 711 3 BRE Bank 1 079 3 BZ WBK 381 3 BZ WBK 930 3 BRE Bank 331 4 Getin Noble Bank 1 044 4 BRE Bank 325 4 BRE Bank 916 4 BZ WBK 314 5 ING 945 5 Getin Noble Bank 303 5 ING 839 5 ING 272 6 BZ WBK 944 6 ING 281 6 Bank Handlowy 740 6 Bank Handlowy 244 7 Bank Millennium 763 7 Bank Handlowy 181 7 Getin Noble Bank 648 7 Getin Noble Bank 167 8 Kredyt Bank 579 8 BPH 179 8 Bank Millennium 472 8 Santander Cons. Bank 144 9 Credit Agricole 548 9 Bank Millennium 157 9 BPH 469 9 Bank Millennium 110 10 Bank Handlowy 535 10 Alior Bank 138 10 Credit Agricole 444 10 Reiffeisen Bank 108 no change downgrade from 4 th position 2) no change advancement from 9 th position 2) On the operating costs side, the Bank remained in the 12th place it held a year ago.

1) Initial results of banks for Q1 2012, as reported by the daily Rzeczpospolita 2) A move up in the same ranking for Q1 2011 3 GETIN NOBLE BANK SUMMARY

On 1 June, a merger of Get Bank and Getin Bank was registered by a court. The merger was the final stage in the process of dividing the Getin Holding Group and building two separate banking groups, which was a unique process in the Polish market. As a result of the merger, the Getin Noble Bank Group grew in asset value by nearly PLN 1 billion and in customer numbers by 80 thousand. The Bank is successfully and consistently increasing its solvency ratio. In 2012, the Bank issued subordinated bonds with the nominal value of nearly PLN 519 million. The total value of subordinated debt issued by the Bank (as part of a public offering and a private placement) is almost PLN 1 billion. The Bank’s solvency ratio as at the end of July 2012 is over 11%. The quality of the Bank’s loans sold in 2010, which already account for nearly a half of the Bank’s loan portfolio, is improving significantly. There has been a considerable downward trend in credit risk charges. H1 2012 charges were down by 11% on a year-to-year basis, while Q2 2012 charges were down by almost a quarter compared to Q2 2011. The cost of risk is 2,1%, which means it has fallen by almost 1 percentage points over the last 12 months. The loan/deposit ratio continues at approx. 90%, which is significantly lower than the levels for competitor banks, while the share of foreign- currency loans in total loans is gradually decreasing (37% as at the end of July 2012). The Bank is effectively pursuing its strategy of shifting from the sale of mortgage loans to the sale of high-margin products – the sale of mortgage loans in H1 2012 was down by nearly a half compared to the average level in 2011, while the sale of other products increased by 17%. The Bank is gradually recovering its net interest margin: 2,5% in June 2012 compared to 2,1% three months before. The Bank is consistently developing its relationship banking strategy: the share of non-credit revenue is growing (nearly 55% of commission income) and the sale of interest-bearing current accounts rose in H1 2012 by approx. 25% against the figure for H1 2011. No significant CIRS transactions by the end of 2012. Getin Noble Bank is the largest banking sector provider of Individual Pension Accounts on the market (ahead of PKO BP). Over the few months since the launch of the product, the Bank has attracted 9,5 thousand customers with approx. PLN 80 million worth of assets as a stable and long-term source of financing. Customers, professionals and the media once again expressed their recognition of the quality of the Bank’s services - the Bank was ranked in the tenth edition of the Best Bank competition run by the newspaper Gazeta Bankowa, where Getin Noble Bank S.A. was awarded for the highest growth rate and the highest business effectiveness in the Large Banks category. Also, the comperia.pl online service ranked the Bank in first place as the most universal bank. Noble Bank received the Superbrand 2012 award. Getin Noble moved up by 300 places in the Top 1000 banks ranking in The Banker magazine. Noble Bank’s logotype was rated No.1 in Banking Magazine’s survey.

4 GETIN NOBLE BANK KEY FINANCIAL RATIOS Success of implemented strategy Dynamic development with maintained stability and secure situation

1H 2012; change vs 1H 2011 1)

mln PLN

Loan balance 42 068,3 +10,3% ROE 13,3%

Deposit balance 48 964,4 +16,4% C/I 34,8%

Balance sheet total 57 100,7 +14,3% CAR 4,5) (July’12) ponad 11% Equity 4 330,0 +2,1% (attributable to equity holders of the parent company)

Net interest income 655,0 +2,3% Non-loans related 57,4% +19,6 p.p. income share 5) Net fee and commission income 437,0 -3,9% Loans/deposits 85,9% -4,7 p.p. Result on risk provisions -493,9 -11,5% Cost of risk 5,6) 2,1% -0,9 p.p. Costs (inflation 4,2%) -422,0 +1,2%

Gross profit 307,9 -65,7% # clients [mio] 2,0 +24,4% Net profit 238,9 -70,7% attributable to equity holders of the parent company) # branches 551 +21

1) 2011 figures for the merged banks 2) In 2011, PLN 620 million in gain from the loss of control of Open Finance; in 2012, PLN 86 million in gain from the sale of Idea Bank. 3) Liquid resources / clients’ deposits 4) As at the end of July 2012 5) Stand-alone GNB 6) Result on provision for NIL and other accounts receivable to average loans volume; annualized factor 5 GETIN NOBLE BANK PROFIT OF THE BANK AND GROUP COMPANIES FOR H1 2012

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

PLN m cumulatively

1) -50,4 238,9 55,9 x -69,8% 12,5 +31,6% 213,5 7,4 +1,5% -51,8% -35,9% 2012

y/y change

Getin Noble Bank Noble Funds Noble Securities Open Finance Other activities and GNB Group consolidation adj. (profit of the parent company)

PLN 38,6 m concerns adjustment for sale of Idea Bank PLN -19,7 m adjustment for dividend from NF TFI PLN -11,7 m adjustment for dividend from DM NS PLN -31,3 m as a result of eliminating minorities’ share in Open Finance’s profit PLN -14,3 m of profit attributable to non-controlling shareholders PLN -12,1 m of other adjustments

1) Open Finance Group net result. According to 48,85% GNB’s share in profit of associated company PLN 27,3 m included into GNB consolidated profit 6 GETIN NOBLE BANK DEPOSITS: BALANCE AND MARKET SHARE In the last 12 months, the Bank has grown at over twice the pace of the market growth rate

Portfolio balance (PLN m) Market share (%) 1) New term deposits (retail, PLN) margin in basis points 2) +16,4% +0,5 p.p.

48 964 6,3%

42 072 5,8% 91 86 88

69 69 61 61 59 56 59 51 53 53 47 47 49 38 33

30.06.2011 30.06.2012 30.06.2011 30.06.2012

The Bank is successfully reducing its financing costs. Its margin 2) on retail term deposits in February fell to 59 basis points.

During the 12 months, the value of the deposit portfolio grew by over a fifth, i.e. by PLN 8,4 billion. As much as 15% represents deposits from businesses and municipalities, which accounts for nearly 9% of the new deposit market in these segemnts.

During the first 7 months of 2012, the Bank attracted more than PLN 1 billion in deposits with maturities over 3 years.

The Individual Pension Account sales campaign has already provided the Bank with nearly PLN 80 million in assets with maturities over 5 years.

The Bank has implemented alternative forms of maintaining long-term liquidity (subordinated debt, securitisation, structured securities, bonds, sale of receivables).

1) 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) 2) Above the 3M WIBOR sales from individual month 7 GETIN NOBLE BANK RESULTS FROM BUSINESS OPERATIONS Dynamically growing repeatable revenue – representing over a half of total fees and commissions already

Net interest margin1) NII, F&C income and New ROR and IKE accounts non-loans related income [monthly; ‘000] (PLN m)

2,7% 2 000 60,0% 2) 2,5% 54,8% 27,7 1 800 +15 pp 2,4% 50,0% 2,3% 1 600 2,2% 2,1% 1 400 39,6% 40,0% 19,1 18,6 1 200 1 095 -0% 1 092 15,1 1 000 30,0% 14,1 455 437 11,2 800 9,6 20,0% 600

400 10,0% 640 655 200

- 0,0% 1H'2011 1H'2012 Jan'12 Feb'12 mar'12 Apr'12 May'12 Jun'12 Jul'12 Jan'12 Feb'12 mar'12 Apr'12 May'12 Jun'12 net interest income net fee and commission income non-loans related income share The Bank was consistently recovering its interest margin in the second quarter of 2012.

H1 2012 standalone net fee and commission income increased by over 10% on a year-to-year basis. In consolidated terms, the figure fell as a result of inclusion of Idea Bank and Open Finance in 2011.

The Bank’s made a net profit of over PLN 253 million, thanks to its secure capital base and stability on the liquidity side

Consistent growth of the Bank’s non-lending revenue base

• In 1H 2012, already over 55% of the Bank’s commissions were generated by non-lending activities, i.e. up by nearly 15 percentage points against the figure for 1H 2011 and up by over 12 percentage points in comparison to whole year 2011.

1) Stand-alone GNB; month-to-month 2) Incl. sales of interest-bearing current accounts at Get Bank in January-May 2012 8 GETIN NOBLE BANK CAPITAL STABILITY AND BALANCE SHEET STRUCTURE SECURITY

A feasible plan to keep the Bank’s solvency ratio at a level not lower than 12% in 2012.

Capital adequacy ratio 1)

+ 140 pb c.a.+1,3% min. 12,0% + 4,4% 10,9% 9,5%

- 3,0%

2010 increase of capital increase of equity 31.03.2012 planned actions to 2012 requirements increase CAR level

One of the Bank’s strategic goals is to build a secure asset and liability structure in terms of foreign currencies and liquidity (liabilities with longer maturities, increased financing stability, alternative forms of improving liquidity by raising funds on the market)

The Bank plans to increase its capital adequacy ratio in the next two quarters of 2012 by another c.a. 1,3 percentage points, as a result its measures aimed at increasing its own funds, i.e. increasing subordinated debt levels, a new share issue.

1) Stand-alone GNB 9 GETIN NOBLE BANK LOANS: BALANCE AND MARKET SHARE Effective change of the Bank’s strategy – lower sales of mortgage loans offset by higher sales of high-margin products

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

+10,3% +0,3 p.p.

5,4% 42 067 38 137 5,1% 1800

1600 1370 1400

1200 1102 1042 1051 1 052 1 060 1 060 973 1004 1016 1000 889 882 906 890 796 786 806 832 800

600

400

200

0 30.06.2011 30.06.2012 30.06.2011 30.06.2012

The Bank’s sales in H1’2012 amounted to PLN 5.6 billion, which was an increase by 24.3% compared to the previous year

Focusing on the sale of products with shorter amortisation periods and with higher spreads, such as cash loans, car loans, loans for SMEs and leases. Sales of these products in H1’2012 were up against the average level for the previous year by a quarter, with a decrease in sales of mortgage loans by nearly a half.

The loans sold by the Bank were predominantly loans in PLN. As a result, the share of foreign-currency loans in relation to the Bank’s total portfolio is steadily lower, with a drop to 37.2% 3) as at the end of July 2012, meaning it was lower by 4.9 p.p. than as at the end of 2011.

1) 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) 2) Stand-alone GNB; January-June 2012 figures for the merged banks of Getin Noble Bank and Get Bank 3) Stand-alone GNB 10 GETIN NOBLE BANK LOANS SALE Sale structure change; shorter-term, faster-amortising loans, higher lending margins

Other loans avg. month-to-moth sale [PLN m]

1) Sales structure +1% avg. month-to-moth sale [PLN m]

-52% +17% 224 226 car loans -41% +23% & leasing

622 608 579

495

367 +27% 297 117 149 retail loans

MORTGAGEkredyty hipoteczne LOANS pozostałeOTHER LOANS kredyty +42%

2011 Q1 2012 Q2 2012 219 SME and 154 corporate loans MARGIN 2) 2,2% 7,1%

2011 H1 2012

1) Stand-alone GNB 2) A lending margin over WIBOR 3M for loans sold in 2012; the target margin level in the case of mortgage loans 11 GETIN NOBLE BANK RETAIL AND SME/CORPORATE LOANS Dynamically growing sales of high-margin loans Corporate loans portfolio grew 3 times faster than the market.

Sale (PLN m) Portfolio (PLN m) 1)

+81,6% +12,3% RETAIL LOANS

High sales dynamic on the difficult market. Over the last 12 months the Bank’s consumer credit balance grew by 12.3%,

4 306 2) 3) 496 4 177 4 171 whereas the entire banking sector reported decrease by 3.2%. 3 807 398 3 713 333 335 273 The Bank is gradually increasing its sales levels. Total Q1 2012 sales amounting to nearly PLN 0.5 billion, meaning an increase

Q2'2011 Q3'2011 Q4'2011 Q1'2011 Q2'2011 30.06.2011 30.09.2011 31.12.2011 31.03.2012 30.06.2012 of 82% on a year-to-year basis.

+26,8% +24,4%

SME AND CORPORATE LOANS The Bank has already acquired over 100 thousand corporate customers.

2) 3) H1 2012 sales of loans of over PLN 1.3 billion, i.e. 47.4% on a year-to-year 766 2 986 2 667 2 400 2 422 549 2 231 basis. 433 452 442

Q2'2011 Q3'2011 Q4'2011 Q1'2012 Q2'2012 30.06.2011 30.09.2011 31.12.2011 31.03.2012 30.06.2012

1) Gross portfolio 3) The balance for the merged banks of Getin Noble Bank and Get Bank since 31 December 2011 2) Since 3Q’11 loans balance does not include loans from Idea Bank in connection 4) Stand-alone GNB with lost of control over the subsidiary. 12 GETIN NOBLE BANK CAR LOANS AND LEASING Maintained position of leader in car loans

Leasing (PLN m) Portfolio (PLN m) 1) -3,6% -6,0%

288 4 347 2) 3) 282 278 278 4 188 4 131 249 4 066 4 088

Q2'2011 Q3'2011 Q4'2011 Q1'2012 Q2'2012 30.06.2011 30.09.2012 31.12.2011 31.03.2012 30.06.2012 Sale of car loans (PLN m) th -3,3% 5 place in the market for leases on cars and delivery vehicles with a GVR of up to 3.5 tonnes. 9th place in the Polish movables lease market after the first half of 2012. Nearly 100% increase in sales of loans at Opel and Chevrolet dealerships. In H1 2012, the Bank provided car loans for a total of over PLN 0,8 billion (up 429 399 412 415 360 by 8,5% against the figure for H1 2011) and leases for a total of PLN 0,5 billion (up by 5,6% compared to H1 2011). Sales of car loans continued at high levels thanks to an increase in sales of new vehicles (+7.3%) and despite a decrease in import of used vehicles 3) Q2'2011 Q3'2011 Q4'2011 Q1'2012 Q2'2012 (-5.6%) in H1’2011.

1) Balance of gross car loans portfolio 3) The balance for the merged banks of Getin Noble Bank and Get Bank since 31 December 2011 2) Since 3Q’11 loans balance does not include loans from Idea Bank in connection 4) Figures according to SAMAR report with lost of control over the subsidiary. 13 GETIN NOBLE BANK LOANS SALE The effect of a decrease in the sale of new loans offset by an increase in commission income not related to loan sales

Sale of loans and fee & commission result (PLN m) 1)2) 1000 78,3 79,0 80,0 72,4 900 68,4 66,3 66,8 70,0 64,9 65,8 789 63,7 62,6 800 60,8 61,1 61,5 58,3 57,7 60,0 53,1 53,2 700 51,6 654 649 618 598 50,0 600 636 569 523 500 40,0 416 396 383 368 400 356 345 352 30,0 394 307 287 297 300 282 233 223 236 230 237 237 221 212 216 205 212 211 203 219 20,0 183 197 197 260 184 200 156 160 137 142 159 162 205 115 199 210 131 115 107 101 123 138 166 178 169 10,0 100 121 131 149 90 100 112 101 75 83 86 72 88 0 39 61 - Jan'11 Feb'11 Mar'11 Apr'11 Mai'11 Jun'11 Jul'11 Aug'11 Sep'11 Oct'11 Nov'11 Dec'11 Jan'12 Feb'12 Mar'12 Apr'12 Mai'12 Jun'12

mortgage and financial loans car loans and leasing retail loans corporate loans fee and commission income

The Bank is pursuing its strategy by focusing on the sale of products with shorter amortization periods. Steady growth of repeatable revenue

1) Stand-alone GNB 2) January-June 2012 figures for the merged banks of Getin Noble Bank and Get Bank 14 GETIN NOBLE BANK CREDIT RISK

Noticeable results of measures aimed at improving asset quality

Cost of credit risk (%) 1) A noticeable decrease in credit risk charges in H1 2012, i.e. by over PLN 64 million (12% on a year-to-year basis), meaning a decrease of almost PLN 130 30.06.2012 31.12.2011 change million on a year-to-year basis). corporate loans 1,3% 3,6% -1,91 p.p. car loans 2) 1,7% 3,5% -1,75 p.p. Q2 2012 charges continued at the previous-quarter level. However, adjusted mortgage loans 2,5% 2,7% -0,19 p.p. for the sale of loans in Q2 2012, the charges in fact decreased. retail loans 0,2%3) 3,9% -3,71 p.p. loans total 2,1% 2,9% -0,80 p.p. Lower costs of risk, with a growing loan balance, confirm the continuously improving quality of the Bank’s loan portfolio. Impairment charges and loans balance (PLN m) 5) 45 000 42 067 600 39 694 40 471 40 758 40 000 37 620 34 871 500 4) 5) 35 000 33 454 Avg monthly impairment charges (PLN ‘000) 29 934 30 856 30 000 400 26 277 365 1Q'2011 2Q'2011 3Q'2011 4Q'2011 1Q'2012 2Q'2012

25 000 319 281 292 290 262 300 TOTAL LOANS 76 328 103 860 115 725 95 087 80 406 80 100 20 000 248 247 222 235 car loans 20 752 18 413 12 448 8 092 5 578 5 927 15 000 200 mortgage loans 34 922 66 823 86 413 77 230 72 407 67 413 10 000 100 5 000 retail loans 15 388 12 698 10 305 6 949 - 2 396 3 587

- 0 corporate loans 5 267 5 926 6 559 2 816 4 818 3 174 Q1'2010 Q2'2010 Q3'2010 Q4'2010 Q1'2011 Q2'2011 Q3'2011 Q4'2011 Q1'2012 Q2'2012

impairment charges loans portfolio balance 1) Result on provision for NIL and other accounts receivable to average loans volume; annualized factor; stand-alone GNB 4) Stand-alone GNB 2) Including leasing 5) Q1 2012 and Q2 2012 figures for the merged banks 3) An effect of credit risk provisions reverse in result of bank assets sale in Q1 2012 of Getin Noble Bank and Get Bank 15 GETIN NOBLE BANK CREDIT RISK The quality of the Bank’s new loan portfolio was maintained within the limits of its „risk appetite” policy.

Loan default rates: 90+ after 6 and 12 months from loan disbursement for loans disbursed in the different quarters starting from 2008 Mortgage loans

1Q'08 2Q'08 3Q'08 4Q'08 1Q'09 2Q'09 3Q'09 4Q'09 1Q'10 2Q'10 3Q'10 4Q'10 1Q'11 2Q'11 3Q'11 4Q'11 6 12 Risk apetite 6M Risk apetite 12M

Retail loans Car loans

1Q'08 2Q'08 3Q'08 4Q'08 1Q'09 2Q'09 3Q'09 4Q'09 1Q'10 2Q'10 3Q'10 4Q'10 1Q'11 2Q'11 3Q'11 4Q'11 1Q'08 2Q'08 3Q'08 4Q'08 1Q'09 2Q'09 3Q'09 4Q'09 1Q'10 2Q'10 3Q'10 4Q'10 1Q'11 2Q'11 3Q'11 4Q'11 6 M 12 M Risk apetite 12M Risk apetite 6M 6 M 12 M Risk apetite 6M Risk apetite 12M 16 GETIN NOBLE BANK PRIVATE BANKING THRUST

An account with the world’s first metal debit card • a silver-and-nickel-alloy debit card – the first metal debit card in the world, • a high interest rate on the account, based on the WIBOR O/N Rate, • an overdraft limit of up to PLN 100 thousand.

Korpo Private Banking • a one-stop shop for private banking business clients, as such clients’ private and business assets are mixed, • a dedicated corporate banker available at each Noble branch: a full range of Getin Noble Bank’s corporate products, • corporate bond issues, flotation, working capital acquisition (working capital facilities), property development projects, tax advisory services etc.

New, unique added-value services • Noble Life – individual medical care at a level higher than that offered by packages available on the market, • Noble Career – planning the education and first career steps of our customers’ children, • Noble Charity – support for those who think it is time for them to begin sharing their success with others.

Networking for customers on a unprecedented scale • a series of 40 meetings every year for customers to exchange their experience and establish new business contacts. Since the start of the year, many new contracts have been have been signed by such customers.

17 GETIN NOBLE BANK KEY FINANCIAL DATA

30.06.2012/ 30.06.2012/ 1) 1) PLN m 30.06.2012 31.12.2011 30.06.2011 31.12.2011 30.06.2011 Equity 4 330,0 4 224,7 4 240,5 +2,5% +2,1% (attributable to equity holders of the parent company)

Balance sheet total 57 100,7 54 488,0 49 948,7 +4,8% +14,3%

Loans balance 42 068,3 41 055,6 38 137,3 +2,5% +10,3%

Deposits balance 48 964,4 47 059,4 42 072,0 +4,0% +16,4%

1H’12/ 1H’12/ PLN m 1H 2012 2H 2011 1H 2011 1) 2H’11 1H’11

Net interest income 655,0 703,8 640,0 -6,9% +2,3%

Net fee and commission income 437,0 414,8 454,5 +5,3% -3,9%

Overhead costs -422,0 -416,0 -417,1 +1,4% +1,2% Net profit 238,9 135,3 814,8 +76,6% -70,7% (attributable to equity holders of the parent company)

C / I - consolidated (%) 2) 34,8% 26,7% 22,3% +8,0 p.p. +12,5 p.p.

ROE 2) 13,3% 29,2% 49,3% -16,0 p.p. -36,0 p.p.

NIM 3) 2,4% 2,7% 3,0% -0,3 p.p. -0,6 p.p.

CAR 2) 4) 10,9% 10,5% 9,8% 5) +0,5 p.p. +1,1 p.p.

1) For year 2011 merged date of Getin Noble Bank and Get Bank. 4) Stand-alone GNB 2) YTD data 5) GNB data 3) QTD data 18 GETIN NOBLE BANK DISCLAIMER

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) 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.