Audited financial statements. Idea::Bank 12M Performance
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1 Audited financial statements Idea::Bank 12M Performance
2 GH Group Structure and Idea Bank Group Romania Structure Getin Holding Group Structure IBRO Group Structure Copyright Idea::Bank 2017; Page 2
3 Group Idea Bank Romania part of Getin Holding Group Poland Getin Holding Group Presence and achievements in 2016 RUSSIA better cost effectiveness concentration on cash flow and sales levels first signs of the end of economic crisis ROMANIA achieved breaking even point stable positive trend of bank and leasing sale low COR level BELARUS profitability improvement and its structure improved results in BYN despite of termination of consumer finance business complicated situation of economy with possible positive scenario POLAND improved profit from continuing operations sale of GetBack improvedmarket shareof leasing IBPL Group structure optimization UKRAINE stabilization and continuous growth significant GDP growth in Q4 improvement of basic financial ratios active management of loans portfolio The major successes of Idea Bank Group (Romania) in 2016 include the following: considerable year over year growth in the volume of loans sold by 92%, as well as growth in the volume of sold lease products by more than 10%; Bank Sales increased by 66% compared to 2015 the bank accomplished its break-even-point in August 2016; prizes and awards received by the bank in 2016: Retail bank of 2016 from Business Arena Magazine Best financial investment from Capital Magazine Newcomer Award for the best brand launch from Forbes Banking Awards Best retail loan for Selfie loan. Copyright Idea::Bank 2017; Page 3
4 Overview Idea Bank Romania We improved the position on the market with 12 places since we are part of GH; Bank has grown in size and volume (+38% Total assets 2016 vs. 2015; loans sales including leasing acquisitions increased by 66% in 2016 vs. 2015); Group s net loans increased by 44% in 2016 vs. 2015; Fees and commission of the Bank doubled since 2014; All this increases were achieved with constant level of administrative costs during 2015 and Idea Bank solo 446 Total Assets (RON m) Idea Bank Group x1.37 1,346 1,101 1, ,521 1, x3.84 Deposits (RON m) deposits Net loans (RON m) Bank loans sales (RON m) Market share Idea Bank solo Idea Bank Group x1.44 1, Q Position in banking system IDEA BANK by Total Assets Place Market share % % % % % Copyright Idea::Bank 2017; Page 4
5 Financial Performance Idea::Bank Idea::Bank Individual Actual Actual Values in RON k 2015 EOY Bank 2016 EOY Bank Main indicators Net profit (loss) RON k -34,252 1,630 CIR(%) % 92.61% ROA(%) -3.36% 0.13% ROE(%) % 1.71% NIM(%) 1.67% 2.28% Insurance fee ,093 Other loans fees 2,115 2,607 Other transactions and payments fees 11,103 10,291 Fee and commission income/total net income 45% 30.98% Balance Sheet Ratios Total equity 90, ,638 Total assets 1,101,395 1,521,195 Net Loans 625, ,357 Amount due to customers 954,222 1,329,851 Loan sales volumes 428, ,795 Impairment -21,712-24,490 Values in RON k Idea::Bank Consolidated 2015 EOY Group 2016 EOY Group Net profit (loss) RON k -39,500 15,576 CIR(%) % 83.30% ROA(%) -2.93% 0.85% ROE(%) % 12.66% NIM(%) 2.30% 2.50% Fee and commission income/total net income 37.26% 35.12% Balance Sheet Ratios Total equity 82, ,052 Total assets 1,346,107 1,840,585 Net Loans 305,181 1,228,300 Amount due to customers 911,508 1,307,169 Liquidity ratios Liquid assets / Total assets 26.79% 27.39% Liquid assets / Deposits 38.57% 39.56% Liquidity ratios Liquid assets / Total assets 32.56% 33.02% Liquid assets / Deposits 37.55% 37.77% Gross loans / Deposits 67.81% 71.58% No. of employees and branches Number of active full time equivalents (FTE) in headquarters in sales network Number of branches Copyright Idea::Bank 2017; Page 5
6 Idea::Bank Awards 2016 Many thanks to our customers and our business partners for making this possible! 7 th of March 2016, Idea::selfie credit was awarded with "Product of the Year 2015 Retail Credit., at the first "Bank of the Year" Gala, organized by MasterCard in Romania. 23 rd of March 2016, our Idea::selfie credit was awarded with "Best Cash Loan" at first "Experience, & Future Excellence in Financial Services Gala, organized by the Credit Brokers Romanian Association; 27 th of March 2016, Idea::Bank received the "Newcomer" award for launching the brand in the Romanian banking market, at the first "Forbes Banking Awards" Gala, organized by Forbes Romania; 26 th of May 2016, Idea::Bank was awarded II at Best Financial Institution" category, at "Business Excellence Capital Awards Gala; 8 th of November 2016, Idea Bank was awarded Retail Bank of the Year 2016 during the Gala "Financial Leaders Hall of Fame in 2016", an event organized by Business Arena Magazine; 10 th of November 2016, Idea::Bank received the title of "Constant Client" for the acquisition of "Atelierul de Panza" brand products, at the 7th anniversary event "ViitorPlus 7 years of social entrepreneurship", organized by the Viitor Plus Association; 23 rd of March 2017, at the 2nd edition of the Annual Brokerage Gala, organized by the Romanian Association of Credit Brokers, Idea::Bank was awarded with two important distinctions: "Idea :: Bank - Bank 2016 and Idea :: Bank - The Best Personal Needs Loan", granted for consumer loan Idea::selfie; 25 th of April 2017, at the 9th edition of Gala Online Banking, organized by FINMedia, Idea :: Bank won the award for The largest increase in the number of SME customers on online banking in Idea::Bank is proud to be one of the most rewarded banks in Romania, mainly thanks to our fresh customer approach and product innovation. Copyright Idea::Bank 2017; Page 6
Audited financial statements. Idea::Bank 12M Performance
Audited financial statements Idea::Bank 12M Performance GH Group Structure and Idea Bank Group Romania Structure Getin Holding Group Structure IBRO Group Structure Copyright Idea::Bank 2017; www.idea-bank.ro
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