Profile Presentation

1
Profile Presentation semi-annual figures
2002 August 2002
2
2Q 2002 results of ING Bank Slaski S.A.

• The Bank reported in 2Q 2002 good results on the
  background of the
• current Polish economic situation and the
  developments in the banking
• sector.
• Economic stagnation, reflected by high
  unemployment rate, poor
• financial standing of companies and lower
  propensity for saving resulted
• in lowering the profit level in the Polish
  banking sector.
• In the second quarter of 2002, ING Bank Slaski
  reported net profit at the
• level of PLN 104 119 thousand, an increase
  by PLN 8 340 thousand as
• compared with the first quarter 2002. The
  net profit of the Bank in the first
• year-half 2002 totalled PLN 132 315 thousand,
  an increase by PLN 10 394
• thousand as compared with the same period
  of the last year.

3
Key figures - June 2002

• Net profit
• Total assets
• 
  
• Share capital
• Banks own equity
• Per ordinary share
  
• Net profit
• Shareholders equity
• Dividend

8 38 40 55 -55 0 - 50
PLN 132 million PLN 27 571
million PLN 130 million PLN
2 703 million PLN 8.64 PLN
10.00 PLN 1.50

June 2002 12

4
Balance sheet / ProfitLoss Account

• Total balance sheet June 2001 PLN 19 billion
• June
  2002 PLN 27,5 billion (38)
• Increased shareholders equity from PLN 92.6
  million to PLN 130.1 million.
• Increased operating net profit from PLN 152
  million to PLN 199 million.
• Increased gross and net profit.
• gross profit June 2001 PLN 135 million
• June 2002 PLN 200
  million (48)
• net profit June 2001 PLN 122 million
• June 2002 PLN 132
  million (8)
• Increased Off-balance Total from PLN 12 billion
  to PLN 97 billion, mainly
• due to
• increase in commitments resulting from
  sale/purchase transactions
• from PLN 6,7 billion to PLN 74.4
  billion

5
2Q 2002 ING Bank Slaski S.A. achievements

• The Bank introduced to the offer new products,
  among others
• the first prepaid card on the Polish market and
  Healthcare
• System for holders of the accounts.

The electronic banking channels attract
substantial and still growing interest of the
customers. For example INGBankOnLine had at the
end of June 2002 48,814 registered customers (by
56 more than at the end of 2001). ING Bank
Slaski strengthened its position in the deposit
market. (the value of deposits at the end of
June amounted to PLN 21 307 million, an increase
by 2.8 as compared with the end of 2001)
6
Plans for the 2nd half of the current year

• In the second half of 2002 ING Bank Slaski shall
  continue the adopted
• strategy of market expansion under strict control
  over credit risk and
• operational costs.
• In the nearest months the Bank shall
• - introduce to the offer two new credit cards
• Mastercard
  with Lioness
• Gold VISA Card with
  Lioness,
• - expand the program of prepaid cards
• (Maestro Prepaid) with the Travellers
  Card
• of international range
• - offer a new package of services for mid-size
  enterprises (ProBiznes).

7
Market position in mid-2002
8
Position on the retail market -1st Q 2002
Market share in deposits

(data as of 31.03.2002)
BPH PBK
8,4
Pekao SA
Market share in credits
Bank Zachodni WBK
18,4
5,9
ING Bank Slaski
5,3
Kredyt Bank
4,9
BGZ SA
4,5
BIG Bank Gdanski
4,3
PKO BP
28,1
Other banks
20,2
Source Gazeta Bankowa" dd. 28May and 3 June2002
9
Development of branch and ATMs network
6,2
10
Position on the corporate banking market
-1st Q 2002
Market share in deposits
Data as of 31.03.2002
BPH PBK
ING Bank Slaski
Market share in credits
10,2
9,6
PKO BP
BRE Bank
8,0
10,6
Bank Zachodni WBK
7,3
Bank Pekao SA
BIG Bank Gdanski
13,6
5,7
Other banks
Bank Handlowy SA
18,9
16,1
11
Position on payment cards market
NUMBER OF PAYMENT CARDS ISSUED BY SELECTED BANKS
Source Rzeczpospolita
12
The List of Correspondent Banks
13
The list of contact persons