Personally for you
Profile of MKB Bank and MKB Group
Budapest, April 2009
Strong business activity in 2008
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Sound capital base and safe liquidity
Strategy for aiming stronger income generation by business diversification from 2005:
 MKB Bank: boom of retail, small and medium size enterprises as well as money and
capital market business line; complete universality in Hungary: successful launch and
development of MKB Insurance Companies
 3 countries, 219 branches, almost 1 million (880 thousand retail and 85 thousand
corporate) customers
 80% increase of gross operating income in 3 years*
2nd largest domestic bank by equity, 4th largest by assets
Hungarian market leader in project financing and factoring with over 20% market-share.
One of the largest player in lending to non-financial companies
Largest net asset value growth and dynamic on the investment funds market in 2008**, 1.5%
growth of market share; 3rd place in guaranteed funds with 11.3% market share; 2nd in funds
denominated in USD (15.3% market share); 3rd in funds denominated in EUR (11.4% market
share)
Major issuer of domestic bond market with 10.6% share; active on the international capital
market ***
Strong expansion in private individual business: besides increasing market share in savings
0.6% market share growth in lending with focus on mortgage-covered loans, +111,000
customers since end-2005
* IFRS consolidated
**Among participants with over 1% market share
***Prior to crisis
2
Our awards reflect our commitment to quality
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Branchmarking Ltd: The most efficient branch network and call center: 2007, 2008
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Liquid Real Estate (Euromoney): 1st in Financial Advisory services in Hungary in 2008 in the
combined category of „Commercial banking, real estate financing activity, Advisory and
Consultancy Services”
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Mastercard- Bank of the year: 3rd, The retail current account product of the year, Socially
responsible bank of the year – 2008
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Best strategic cooperation with civil organisations – Good CSR – 2008
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Superbrands – again in 2008 (2007)
3
Key figures of MKB Bank
(audited, IFRS, non-consolidated, HUF billion )
 The growth of
Total assets
Customer loans
Customer deposits
Shareholders’ equity
Gross operating income
Operating profit
Pre-tax profit
Pre-tax return on average equity (ROAE)
Cost to income ratio (CIR)
Capital adequacy ratio (CAR-HAR) *
Large corporate and institutional customers
Medium size and small companies
Private individuals
Pension and Health Care Fund members
Branches
2006
1 843.3
1 353.3
963.1
178.8
74.9
34.8
23.1
18.6%
53.6%
9.5%
3 028
35 220
220 300
201 000
67
2007
2008
2 236.9 2 656.6
1 719.8 2 018.4
1 075.9 1 087.8
210.8
216.8
83.7
97.0
38.1
42.7
15.5
7.6
10.4%
4.6%
54.4%
56.0%
10.7%
9.7%
3 060
3 100
37 080 40 210
254 000 288 000
231 000 254 800
74
81
*Note: early of 2009 appr. EUR 95.6 million capital increase by the strategic owner, BayernLB
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business income was
among the best in
2008 in Hungary
(+16% gross
operating income
growth and 11.9 %
increase in operating
profit).
Provisioning prudently
reflects the impacts of
the adverse
environment.
Sound capitalisation
and safe liquidity.
4
Key figures of MKB Group
(audited, IFRS, consolidated, HUF billion)
Total assets
Customer loans
Customer deposits
Shareholders’s equity
Gross operating income
Operating profit
Pre-tax profit
Pre-tax return on average equity (ROAE)
Cost to income ratio (CIR)
Capital adequacy ratio (CAR)
Corporate and institutional customers
Private Individuals
ATM
Branches
2006
1992.4
1457.5
1084.1
193.1
80.5
36.3
23.5
15.5%
54.9%
11.8%
70 800
673 000
276
166
2007
2465.0
1905.9
1247.1
214.0
103.8
44.6
20.9
10.6%
57.0%
10.4%
79 700
778 000
290
209
2008
2885.4
2292.5
1267.8
229.2
120.4
50.1
8.3
3.3%
58.4%
10.8%
85 000
880 000
330
219
 Universality in
Hungary with MKB
Insurance
Companies.
 80% growth in gross
operating income in 3
years.
 Almost 1 million
customers in 3
countries.
 Sound capitalisation
and safe liquidity.
The members of the group are: MKB-Euroleasing car financing group; MKB Romexterra Bank, Romania; MKB Unionbank, Bulgaria
5
Ownership: strategic owner with long-term commitment
Ownership structure
Other: 10,38%
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Share Capital: HUF 14.1 bn*
Shareholders’ Equity: HUF 216.8 bn*
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Strategic owners with long-term commitment
1994: first privatised large bank in Central Eastern
Europe
The main owner is BayernLB the 6th largest bank of
Germany by total assets, and 5th by equity (2008). Its
total assets amounted to EUR 421.7 billion, equity and
subordinated capital was EUR 23.1 billion at end-2008
The Bank's legal form is that of a "corporation
established under public law“. The Free State of
Bavaria holds ((indirectly via BayernLB Holding AG)
94% and the Association of Bavarian Savings Banks 6
% of the shares. Member of S-Finanzgruppe
2002, 2003, 2005, 2006, 2007 and 2008: total of EUR
376 M subordinated capital from BayernLB. EUR 95.6
M capital increase in 2009
89,62%
Rating**
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*IFRS, non-consolidated
**solicited rating, 22 APR 2009
MKB Bank is in investment category:
Moody’s:
 Bank Deposits -Fgn Curr:
 Bank Deposits -Dom Curr:
 Bank Financial Strength:
 Senior Unsecured/Subordinate:
 Other Short Term:
 Outlook:
Baa1/P-2
*A1/*P-1
C*A1/ A2
*P-1
*under possible downgrade
6
Large corporate and institutional customers: tailor-made services
Large corporate customers:
Corporate loans – market share
16%
14%
11,6%11,6%
11,0%
12%
10%
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3,100 large corporate and institutional customers. It is one
of the largest in financing non-financial companies,
major bank in corporate payments turnover.
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Loans to large corporate, project and institutional customers
reached HUF 916.4 billion at the end of 2008 and their
deposits grew to HUF 265.5 billion.
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Full range of products, complex services to domestic blue
chip, large corporate customers and subsidiaries of
multinational customers.
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Intense cooperation of customer relationship and product
support areas ensure tailor-made services fit to clients’
needs.
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Personal services in Budapest and the countryside by
dedicated relationship managers.
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Senior experts provide industry coverage and product
competence .
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Professional offer of full range of retail and treasury
products.
12,8%
13,9%13,7%
13,4%
12,8%12,5% 13%12,6%
13,0%
9,1%
8%
6%
4%
2%
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
0%
Corporate deposits – market share
12%
9,8% 10,1%
10%
8,5%
11,2%
11,0%11,2%
10,6%
10,4%
10,2%
10,1%
10,1%
9,7%
8,9%
8%
6%
Institutional customers
4%
2008
2007
2006
2005
Specific products for local municipalities
2004
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2003
Professional
chambers,
organisations, etc.
2002
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2001
0%
2000
Foundations, non-profit segment
1999
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1998
2%
1997
One of the leading banks in servicing insurance companies
1996
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solicitors,
professional
7
Project financing/ Mid-market customers: renewed business models
Project financingMarket share 2008
MKB: 27%
Factoring Market share 2008
MKB: 26%
Project financing
 Number of customers: 620, loans amounted to HUF 720 billion at end-2008
 Market leader in project, real estate financing since 1995 (received the „Best commercial bank in
Hungary” award of Euromoney Liquid Real Estate in 2008)
 Major player in different project segments: offices, residential, commercial real estate,
telecommunication, energy, infrastructure, PPP projects
 Shift towards the ’arrange and sell’ business model from 2008
 Cooperation with BayernLB
Mid-market companies
 Number of customers: 11,100
 Focus is on the suppliers of multinational companies, export oriented, regionally active mid-markets
and domestic companies with growth potential and perspective
 New segmentation from market and risk management aspect
 Wide range of preferential state-subsidized and EU loans
 Market leader position in factoring
 Equipment leasing, trade finance
Upper mid-market companies
 At end-2008 the deposits reached HUF 117.1 billion, while loans amounted to HUF 322.8 billion
 Selected range of products, tailor-made services
 Selective business growth based on bank payment turnover by the intensification of funds
acquision
 Focus on trade finance and factoring
 Considerable demand for project financing
Lower mid-market companies
 At end-2008 loans reached HUF 331.8 billion and the deposits amounted to HUF 169.2 billion
 Standardised sales, standard range of products and streamlined credit approval processes as of
2009
 Quicker customer services
 Primary focus is on payments, accounts and deposits on top of risk consolidation and monitoring of
the existing portfolio
8
Products and Services for Corporate and Institutional Customers
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HUF and FX accounts
HUF and FX deposits
HUF and FX loans
Business cards
Payment services (cash pool,
documentary transactions,
transfers, issue of L/Cs,
collections, guarantees)
Discounting of bills, L/Cs
Teller, bulk cash and safe
services
Money market and riskmanagement products and
services
Export, import, cross border
and domestic factoring
Vehicle leasing and fleet
management
Asset leasing
Project finance and structured
finance including PPP types
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State subsidised lending
products
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MKB EU program
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Securities accounts
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Securities trading
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MKB and BayernLB Lux
investment funds
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Portfolio management and
custody services
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MKB Pension Fund
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MKB Health Care Fund
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MKB Insurance companies
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Financial and investment
advisory
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Securities programs: IPO’s,
LBOs, MBOs
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Acquisition finance
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Property trading and
management
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Real-estate valuation and
assessment
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Trade Finance
9
Small companies: renewed business model as of 2009
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In strategic focus since 2007; clients up to HUF 250 million
net annual sales, served with standardized products
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The number of customers reached 29,150 at end-2008
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The accounts and deposits of small companies reached HUF
94 billion by the end of 2008, loans exceeded HUF 32 billion
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Full-service at every branch via dedicated small companyand financial advisors
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Renewed small company product range; competitive
specific account packages and loan products
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Active role in state-subsidized products
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Wide range of cooperation agreements with different
professional and entrepreneur organisations, professional
chambers, property appraisers
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Special focus given to electronic banking:
over 14,000
small companies use the NetBANKer service
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Small company service packages: from start-ups to professionals
Dinamika
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To whom?
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Basic banking,
payment
services
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For start-up micro
companies with
scarce capital and
low bank turnover
HUF account keeping and
wide range of related
services for low fix
monthly fee
Outstanding sight
interest, if the account
holder has a specified
service package as a
private individual
Free of charge cash payin
Nova
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Suitable for the
reduction of the
banking costs of small
companies with
stable operation
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Account keeping fee is
reduced by usable
turnover commission
Up to 13 free electronic
banking payment transfer
transactions outside the
bank
In case of paper based
banking up to 6 free of
charge payment
transactions within the
bank
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Electronic
services
Free of charge
NetBANKer service
Free of charge
NetBANKer service
and NetBANKer
Business at
preferential
conditions
Elektronikus
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For start-up customers,
but with considerable
account turnover
preferring internet
communication and
internet banking
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Account keeping for a
low monthly fee
Flotta
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For our customers
with extended
business relationship
preferring internet
banking
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HUF account keeping at
preferential monthly
fee and one foreign
currency account or
PCBANKer service free
of charge
All payments are free
within the bank
Preferential electronic
transaction fees
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Free of charge
electronic banking
services necessary for
the operation of the
enterprise
Preferential electronic
transaction fees
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Free of charge
electronic services
necessary for the
operation of the
enterprise
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MKB small company loans: Fit and Fast
Our loans suits to as many companies as possible in the small company
sector:
We offer our loans with different conditions and possibilities. 1x1 Overdraft is advantageous for enterprises needing fast and flexible help in terms
of financing requirements due to temporary cash-flow and current asset fluctuations as this facility can be simply applied for without a material
collateral up to 10% of the net sales, max, HUF 15,000,000,
If the enterprise needs higher overdraft facility it can use 1x1 Overdraft Plus product with Garantiqa Hitelgarancia Zrt guarantee, and
the requested amount can reach 25% of the net sales, but max, HUF 25,000,000,
If the company needs working capital to cover its inventory and material needs we recommend 1x1 Working capital loan. The
credit facility, which depends on the size of the collateral may reach HUF 50,000,000 can be HUF or EUR based, utilised freely
during the tenor, however it has to be partially repaid twice a year.
For the purchase of real estates the best is 1x1 Investment Loan, the repayment of which does not have to be started
immediately, it is possible to choose a grace period depending on the tenor of the loan. To finance larger expenses or
replace other bank loan 1x1 Free Utilisation Mortgage Loan is the best, in case of which the entrepreneur can also
have a grace period. In case of these two products the maximum requested loan amount – depending on the value of the
real estate – can be up to HUF 125,000,000.
Our 1x1 Loan with Deposit Security can be suitable for free use or the replacement of owner’s loan, in case
of a security placed by private individual up to HUF 250 million loan can be provided.
In addition to these loans Széchenyi Card 2 construction can also be applied for at MKB Bank.
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Retail customers (1): quality personal services
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Retail loans – market share
Personally for you – differentiated value proposition
and service level to each customer segment
7%
6,1%
5,5%
6%
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286,000 customers; targeted clientele: affluent customers
with asset and income potential higher than average
5%
4,1%
3,6%3,8%
3,0%
2,7%
4%
3%
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HUF 523 billion in 2008
2,0%
2%
1,3%
0,8%0,9%
1% 0,4%0,5%0,6%0,7%
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Near 200,000 retail bankcards at end-2008
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Service packages to segments: focus is on the young
generation (Caring, Student Career packages with
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
0%
1994
Savings from households (deposit+bond+funds) grew to
preferential conditions, Baby bond), outstanding financial
services: Exclusive package; financial
Savings of households – market share
peace of the
silver years: Pensioner package
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7%
according to risk-appetite; Focus on standard and
5,6% 5,7% 5,7% 5,8% 5,7%
6% 5,4%
5,4% 5,4% 5,3% 5,2% 5,3% 5,5% 5,5%
campaign term deposits
5%
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4%
Wide range of savings and investment opportunities
Electronic
channels:
NetBANKer,
NetBROKer,
TeleBANKer, MobilBanker
3%

2%
81 branches, ATM, Portal, Retail newsletter
1%
2008q4
2008q3
2008q2
2008q1
2007q4
2007q3
2007q2
2007q1
2006q4
2006q3
2006q2
2006q1
2005q4
0%
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Retail customers (2): MKB Bank: the mortgage lending specialist
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The lending products of MKB Bank offer flexibility for clients, the
Bank is the expert of mortgage loans
 Fast processes, credit products for every client needs
 In 2008 the market share of MKB Bank in new deals was over 10%;
the loan portfolio of private individuals grew to HUF 464.5 billion
Products:
 Overdraft
 Deposit and security collateralised loans
 Personal loan (HUF, EUR)
 Loan for Pension Fund members
 Credit cards (24,700 cards)
 Credit cards issued by MKB Bank
 Co-branded credit cards: T-Mobile, Lufthansa, WestEnd
 Wide range of housing and private loans – at end-2008
 HUF and EUR denominated loans
 Értékmegőrző combined loan – insurance product
 MKB-Fundamenta Housing and Private Loan Programme
 Hitelcsúcs – attractive LTV’s
 Full range of housing loans with preferential conditions
(state subsidy)
 Housing loans for any housing purpose (bridge, expansion,
modernisation, purchase of new and second hand house
construction, etc.)
 Real estate loans – other than home purpose (e.g. holiday resort)
14
Products and services for Private Individuals
 HUF and FX accounts
 Account packages (Exclusive, Student,
Career)
 Term deposits
 MKB bonds
 ‘Kivételes’ account
 Savings account
 Money market deposit
 MKB ‘Hozamsuli’
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Baby-bond
All type of payment orders
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Debit cards (VISA, MasterCard)
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Credit cards (VISA and MasterCard)
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Co-branded Credit Cards (T-Mobile,

Lufthansa, WestEnd)

Overdraft
Margin lending
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Bridging loan to pension fund members
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(deposit+bond+investment fund)
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MKB Housing loans and Home Equity
loan (HUF, EUR)
Personal loan (HUF, EUR)
Distribution of MKB Investment funds
Government securities and equity sales
Capital and securities accounts
Cheques (issue, purchase, trading of
traveller cheques)
MKB TeleBANKer
MKB MobilBANKer
MKB NetBANKer
Safe services
MKB Pension Funds
MKB Insurance products
MKB Health Care Fund
MKB Account for retirement savings
Car and utility vehicle financing (MKBEuroleasing Ltd.)
15
Private Banking: emerges rapidly at MKB Bank
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MKB Bank launched its Private Banking business line in 2003
We provide private individuals and companies with:
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Complex financial service
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Portfolio management
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Investment advisory
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Financial planning

Account keeping
based on their individual demand via dedicated private bankers
Switzerland- and Luxemburg based portfolio management
and account keeping due to cooperation agreements
The minimum entry requirement is HUF 50 million financial
savings to be invested in freely
At the end of 2008 the business line managed HUF 135 billion
assets of 1,017 customers (2007: HUF 90 billion).
Asset managed per client exceeds HUF 130M; outstanding on
the Hungarian market
Headquartered in the very heart of Budapest, Private
Banking operates with a network of local private bankers in
10 large countryside cities on top of Budapest and its
surrounding
The complete retail, wholesale and investment services product
range of MKB Bank is available for PB clients
16
Money and capital markets: continuously expanding range of products in
line with customer demands
Market share of MKB investment funds
6,0%
Investment funds:

The increase of MKB investment funds assets and the products
range is a strategic target

NAV grew by 5% to HUF 119.6 billion. MKB was the only major fund
manager, which could increase its portfolio in the sector shrank by
about 25%

Introduction of 10 new products in 2008, 33 funds in total
5,1%
5,0%
3,7%
4,0%
4,0%
2,9%
3,0%
2,2%
2,0%
1,0%
1,4%
1,5%
2005h2
2006h1
0,9%
0,0%
2005h1
2006h2
2007h1
2007h2
2008h1
2008h2
Corporate treasury and risk management products:
 One of the 10 largest participants in FX trade; short term liquidity and interest risk management
 Active sale of interest and exchange rate risk products (futures, option and structured products)
Securities trading and own issues:
 MKB Bank is one of the main primary dealers of Hungarian government bonds and active primarily in OTC trading of
securities (and BÉT- Budapest Stock Exchange).
 Major market participant in domestic public issues, renewed its domestic public issue programme in 2008. The total face
value of the 13 MKB bonds series amounted to HUF 104.3 billion in 2008; innovative, structured products primarily for retail
secondly for corporate and institutional customers; FHB mortgage bond trading, Diákhitel Központ Zrt, bond trading.
 Traditionally active international capital market presence, EMTN as of 2004, programme of EUR 3 billion as of 2007 with
international rating.
Asset and portfolio management:
 Asset portfolio managed for institutional and retail customers amounted to HUF 151.8 billion at the end of 2008, (4.4%
market share)
 Main customers: MKB Pension Fund, other pension and health care funds, municipalities, companies, foundations, private
individuals
Custody management:
 The management of HUF 1,227 billion assets at the end of 2008 primarily for institutional customers (insurance companies,
pension funds, etc.). MKB Bank is a major player.
17
Comprehensive, universal financial services through main domestic
strategic partners/subsidiaries

MKB
Pension
Fund
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MKB
Health
Fund
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Launched in 2003, strategic business line
108,800 members. 13.2% market share, it became the 2nd largest in 2008
The assets amounted to HUF 6.9 billion at end-2008
Expanding partnership: 8,600 contracted health service provider, 2,850 corporate and
institutional employers
 120,000 issued cards to be used at 4,545 service points
 www,mkbep,hu

MKB
Insurance
Companies
Strategic business for MKB Bank, the bank provides stable, long-term background and
support to the Fund
146,000 members, HUF 121 billion assets at end-2008
The 4th largest voluntary pension fund in Hungary. 11.2% market share in 2008
Per capita assets are considerably higher than the market average by 40.8% in the
voluntary scheme and by 82% in the compulsory
www,mkbnyp,hu
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Jointly with BayernLB and the S-Finanz Group member Versicherungskammer Bayern MKB
established non-life and life insurance companies being operative from October 2007
The number of customers of the two Insurers exceeded 12,000 at end-2008
In 2008 a number of new life and non-life insurance products were launched:
 MKB Family Home Insurance , MKB Multi-protection asset insurance, KGFB, Casco
 Life insurances: MKB Kincstár, MKB Életrevaló, MKB Védőháló, MKB Értékmegőrző
By the foundation of the Insurance Companies the universality of the bank group in Hungary
became comprehensive. MKB Bank provides ‘one-stop-shop’ service
www,mkbb,hu
18
Domestic strategic partners/subsidiaries (2):
MKB-Euroleasing Group – uniquely complex services
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Company group
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Services

Complex and uniquely integrated financial and auxiliary services by the companies of the
group
Full range of services in car trade and fleet management (car and dealer finance, service, car
trade, insurance brokerage, fleet financing)

MKB-Euroleasing Car Financing
 The financing of over 26,000 new cars in 2008
 New lending of HUF 66 billion, 4th position, within it 2nd position in the market of new
cars

MKB-Euroleasing Fleet Management
 Target: market leader position, No2 in the managed only but not financed fleet
management segment; 6.9% market share in fleet financing
 Managed cars: 7,800 for 600 customers

MKB-Euroleasing Car Trade
 12,000 cars sold in 2008, increasing volume
 20 sales points, 11 brands, several used car lots

Nr. 1. in traditional and internet insurance brokerage with a total of 416,000 customers
Traditional insurance brokerage for cars is provided by the market leader Eurorisk Kft, the
internet brokerage is provided by market leader Netrisk Kft. Altogether 244,000 casco and
mandatory motor liability insurances were realised in 2008.
Buyer and dealer
financing
Fleet financing
Trade
Insurance
Brokerage
Strategic partnership since 2001 – MKB Bank owns 50% of MKB-EUROLEASING Group.
Major market position. 2nd largest in new car financing volumes with 12.5% market share
49% share in joint venture with Toyota (Toyota Finance Hungary Ltd), unique cooperation
scheme in the Toyota world
Back office service for Toyota Finance Hungary and PSA Hungary
60,000 retail, 600 fleet customers
www,autohitel,hu,
www,euroleasing,hu,
www,gyorshitel,hu,
www,netrisk,hu,
www,hasznaltautok,hu, www,autocity,hu – portals operated by MKB-Euroleasing
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19
Domestic branch network of MKB Bank: personal service with nationwide
coverage
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81 branches by the end of 2008 :
 24 in Budapest,
 8 in the agglomeration,
 49 in the countryside
Regional competence centres with corporate-,
money and capital market product specialists and
private bankers
Local decision-making provides flexibility
Most efficient branch network in 2007, 2008 according to Branchmarking Ltd,
20
Alternative sales channels: expanding secured services
Electronic
banking service
MKB-TeleBANKer

PC Banker, Multicash - Online account and transaction services

Used by 15,700 corporate customers at end-2008

Over 80% of the payment transfers is performed electronically

Call Center of MKB Bank – 24 hours service for the entire clientele
most efficient call-center by Branchmarking Ltd.

15,000 corporate (35%), 137,000 retail (48%) customers

Direct contact with our colleagues or automated services

MKB-NetBANKer
MKB-MobilBANKer
ATM
External sales
partner network
Over 106,000 retail and 30,000 corporate customers, dynamic growth
 NetBroker service was launched – trading of MKB investment funds and own
issued bonds
 Accounts, payment transfers, savings transactions and investment services,
credit related information

Bankcard transactions, balance; continuous development of the service

SMS service about payment transactions, new products, campaigns

84 own ATMs

The availability of over 4,400 further ATMs in the country

850 selected quality agencies, sales force of 1,600

Sales to SME and retail customers

Account products, deposit and savings products, loan products, electronic
services, sale of guarantees and letters of credit
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MKB Unionbank - Bulgaria
Overview:
 Established in 1993
 Current ownership structure:
 60% MKB Bank
 34% Union Group OOD (previous
majority owner)
 6% EBRD
 Universal bank with considerable experience
in financing of small and medium size
enterprises.
MKB Unionbank
2007
2008
IFRS, million EUR
Total assets
Customer loans
Customer deposits
Equity
Pre-tax profit
524.7
371.2
360.1
48.7
4.3
784.8
559.8
437.6
65.6
7.4
Pre-tax ROAE
Pre-tax ROAA
Cost to income ratio (CIR)
Capital adequacy ratio
Number of employees
7.9%
1.0%
72.1%
15.1%
722
12.6%
1.3%
60.8%
13.8%
767
Market shares
Total assets
Corporate loans
Corporate deposits
Retail loans
Retail deposits
1.74%
2.53%
2.39%
0.91%
1.21%
2.21%
2.77%
2.86%
1.23%
1.34%
EUR/BGN exchange rate: 1.95583 (2007 and 2008)
Business activity
 Number of corporate customers reached
1,213 (large and medium size), the number of
retail customers (private individuals and micro
companies) amounted to 76,570 at the end of
2008.
 Loans grew by 50%, while deposits grew by
21.5%. The pre-tax profit of the Bank exceeded
the 2007’ level by 72%.
 In 2009 emphasis is on the prudent increase of
lending and more intensive acquisition of
customer deposits. The maintenance of the
currently excellent portfolio quality is also
priority.
Sales channels
 Branch network of 58 units covers
Bulgaria.
 Extension of bankcard acceptance network.
 Focus on the deepening of existing customer
relationships, strengthen cross-selling.
 Emerging of alternative sales channels:
 Continuous improvement of the quality of
the internet banking service,
 Development of mobile banking services,
 Implementation of complete Call Centre
services in the medium term,
 Expansion of the external sales network.
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MKB Romexterra Bank - Romania
Overview:
 Established in 1993
 Current ownership structure:
 80.48% MKB Bank
 19.52% other companies and private individuals
 Universal bank with basically retail banking
profile.
 Leasing activity in a separate company.
MKB Romexterra Bank
2007
2008
IFRS, million EUR
Total assets
Customer loans
Customer deposits
Equity
Pre-tax profit
Pre-tax ROAE
Pre-tax ROAA
Cost to income ratio (CIR)
Capital adequacy ratio
Number of employees
Market shares
Total assets
Corporate loans
Corporate deposits
Retail loans
Retail deposits
550.3
336.2
327.2
63.2
3.7
6.2%
0.8%
78.8%
14.0%
867
727.9
458.7
280.4
47.0
(14.5)
90.0%
9.79%
1 037
0.77%
1.13%
1.40%
0.60%
0.60%
0.87%
1.34%
1.11%
0.55%
0.54%
EURRON exchange rate: 3.6077 (2007) and 3.9852 ( 2008)
Business activity
 The number of retail customers was 228,629 the
number of corporate customers was 14,121 at the
end of 2008.
 Total assets of the bank grew by 50% in 2008,
however due to the deterioration of the portfolio
quality owing to some products and customer
segments the bank generated loss in 2008.
 In 2009 the main emphasis is on the improvement of
the portfolio quality, attraction of customer funds and
widening of product range.
Sales channels
 The bank is present in every region of the
country, the coverage increased further
2008: 80 branches (2007: 76 branches)
 Emerging alternative sales channels:
Widening the range of internet and
mobile bank services, further
development of their quality,
Introduction of complete Call Center
services,
Establishing external sales agent
relationships,
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Social responsibility

Arts:

MKB Bank has a large collection of fine arts containing
a number of outstanding Hungarian artists’ works of the
19th and 20th century.
 Long-term cooperation with a number of museums
(Museum of Fine Arts, National Gallery).
 Long-term support of Liszt Ferenc Chamber Orchestra.

Charity activities:

Cooperation with the International
Children‘s Safety Service;
MKB scholarships to talented and
socially dependent children
 Support to a number of hospitals,
schools, foundations.
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Sports sponsorships – Long-term cooperation in Winning Spirit
Handball
MKB-Veszprém handball team;
16 times Hungarian champion, EHF
Cup Winners’ winner in 2008.
Basketball
MKB-Euroleasing Sopron basketball team.
Champion team in 2008 for third time,
Hungarian Cup winner in 2008
Kayak-canoe Association
Kayak-canoe is No. 1 Olympic
sport of Hungary
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THANK YOU FOR YOUR ATTENTION!
MKB BANK ZRT.
1056 Budapest, Váci utca 38.
Budapest H-1821
MKB TeleBANKár: 06 1 373 333
06 40 333 666
Swift: MKKB HU HB
Internet: www,mkb,hu
E-mail: exterbank@mkb,hu
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