Financial presentation of the Group for FY 2016

Financial presentation of the Group for FY 2016 Warsaw, 24 th of March 2017

Better macro-situation at all business markets POLAND GDP growth of 2.8% in 2016, because of higher internal consumption and although of much lower investment ratio Return of inflation in December, noted the first time since 2014 at level 0.8%, continuation of trend in January at 1,8% Unemployment rate in January at 8.6% vs 8.3% in December Interest rate 1.5% - the lowest rate ever Risk of growing budget deficit, legislative and political uncertainty UKRAINE Q4 GDP growth at 4.7% and about 2% in FY 2016. Inflation rate in January at 12.6%. Decrease of unemployment to 9.2% in January vs 9.3% in December. Interest rate at 14.0% since October. Expected growth of export in 2017 to 46% of GDP Threat of possible escalation of conflict in eastern Ukraine as part of testing new US administration by Russia RUSSIA Decrease of GDP in 2016 at 0.2%, analysts expected decrease of 0.5% Lower inflation in January at 5% vs 5.4% in December Higher unemployment in January at 5.6% vs 5.3% in December Interest rates at stable level of 10% since September 2016 vs 17% in January 2016 Budget deficit at 4.6% of GDP vs 0.5% in January 2015 Romania Strong GDP performance in Q4 at +4.7% resulting +4.8% for the FY 2016vs 3.9% in 2015 After long period of deflation, in January inflation noted at 0.1%. An unemployment in January decreased to 5.4% vs 5.5% in December. Since May 2015 interest rates at 1.75%. Belarus GDP decrease of 1.9% in Q4 2016 (December readings). Projected decrease od GDP for 2016 at 2% vs -3.9 in 2015. NBB decided in February to cut interest rates about 100bps to 15%. Lower inflation pressure in January at 9.5% vs 10.6% in December. Record level of foreign debt to GDP ratio at approx. 87% Foreign exchange rates applied for the conversion of the results Exchange rates 2015'12 2016'12 Y/Y RUB 0,0528 0,0680 +28,8% RUB average 0,0616 0,0598-2,9% UAH 0,1622 0,1542-4,9% UAH average 0,1722 0,1542-10,5% BYN 2,1000 2,1589 +2,8% BYN average 2,3767 1,9969-16,0% RON 0,9421 0,9749 +3,5% RON average 0,9421 0,9739 +3,4% 2

Overview of major events in 2016 Getin Holding Improvement of the situation in the eastern countries (Russia, Ukraine, Belarus) Stable growth of foreign business RUSSIA better cost effectiveness concentration on cash flow and sales levels first signs of the end of economic crisis 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 improved market share of 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 ROMANIA achieved breaking even point stable positive trend of of bank and leasing sale low COR level 3

Structure and dynamics of elements of the Group's performance for FY 2016 Profit and loss 2016 2015* 2016 / 2015* Interest income 1 514.7 1 449.9 +4.5% Interest expense -674.1-869.4-22.5% Net interest income 840.6 580.6 +44.8% Net fee and commission income 434.4 442.4-1.8% Other operating income and expense 294.0 141.1 x2.1 Net operating income 1 569.0 1 164.1 +34.8% Overhead costs -827.4-853.5-3.1% Provision -271.4-272.8-0.5% Share in result of cons. units of equity method -9.9 31.8 - Profit before income tax 460.3 69.6 x6.6 Income tax -34.9 79.5 - Profit (loss) from continuing operations 425.4 149.1 x2.9 Profit (loss) from discontinued operations 34.6 107.0-67.6% Net profit (loss) 460.1 256.1 +79.6% Non-controlling interest -201.0-129.3 +55.5% Net profit attributable to equity holders of the Co. 259.0 126.8 x2.0 Determinants of YoY change in performance: significant improvement of profitability on all markets increase in net interest income by 44.8% - the result of building a portfolio based on high-margin products by IBPL Group and ongoing reduction of COF reduction of overhead costs decrease of 3.1% risk under control, COR = 1.8% Operating revenues net of one-off (GetBack=249.2 mpln and Debito=-4.5 mpln) reached PLN 1 326.1 million, which represents an increase YoY by 13.9%. Net profit from continuing operations, attributable to equity holders of the company, excl. one-off, reached 102.9 mpln in 2016 vs 64.5 mpln in 2015. Contribution to the Group s consolidated results [] 441.0 4.0 21.3 10.2 15.2 12.7 36.7-282.1 259.0 IB Group Poland Carcade Group IB Group Belarus IdeaBank Ukraine IB Group Romania MW Trade Getin Holding NCI and consolidation adjustments Getin Holding Group *Adjusted data (including an opening balance adjustment in the amount of PLN 19.2 m from bancassurance income) ** attributable to the shareholders of Getin Holding Group parent company. The data include: the result of Assets Service Finance (Russia) and the provision related to Ukrainian segment assets at the level of consolidation adjustments of the Getin Holding Group. The effect of the results of these companies on the Russian segment and the Ukrainian segment is reflected in slide 12. 4

Basic financial parameters The balance of deposits at the end of 2016 increased YoY by nearly PLN 3 billion to 17.7 billion. LTD (including lease receivables) is 94.1%. Loans and leasing [] Equity 1) [] Net profit 2) [] +20,4% +16,6% x2,0 12 541,2 +10,4% 13 840,1 16 661,1 5 082,1 1 777,5 2 073,5 259,0 4 295,5 4 467,9 126,8 8 245,7 9 372,2 11 579,1 Leasing Loans 2014-12-31 * 2016-12-31 * 2016-12-31 * 2016-12-31 1)... attributable to equity holders of the Getin Holding Group parent company 2)... attributable to equity holders of the Getin Holding Group parent company excluding one-offs (GetBack & Debito) *Adjusted data (including an opening balance adjustment in the amount of PLN 19.2 mpln from banc assurance income) 5

The structure of the Group 51.27% 54.43% 100.00% 100.00% 99.59% 100.00% As at 30.12.2016, the graph presents Getin Holding's interest in the equity of the parent company in each country 6

::IdeaBank Group POLAND Consistent implementation of the strategy and further build of customer base POLAND Profit and loss 2016 2015* 2016 / 2015* Interest income 1 010.5 806.8 +25.2% Interest expense -386.5-419.3-7.8% Net interest income 624.0 387.5 +61.0% Net fee and commission income 341.9 363.5-5.9% Profit on the sale of GetBack SA 244.7 - - Other operating income and expense -48.7 25.9 - Net operating income 1 161.9 776.9 +49.6% Overhead costs -540.9-515.8 +4.9% Provision -169.6-166.1 +2.1% Share in result of cons. units of equity method -13.6 0.0 x649.3 Profit before income tax 437.8 95.0 x4.6 Income tax -31.4 93.3 - Profit (loss) from continuing operations 406.4 188.3 x2.2 Profit (loss) from discontinued operations 34.6 107.0-67.6% Net profit (loss) 441.0 295.3 +49.3% Balance sheet 2016-12-31 * 2016-12-31 / Cash and balances in the Central Bank 129.7 600.3-78.4% Amounts due from banks 290.0 264.4 +9.7% Amounts due from clients 10 886.1 8 951.4 +21.6% Net investments in financial lease 3 710.1 3 074.7 +20.7% Financial instruments 3 681.0 2 894.8 +27.2% Intangible assets 665.2 648.5 +2.6% Tangible fixed assets 155.4 129.4 +20.1% Other assets 1 999.2 2 277.3-12.2% Total Assets 21 516.7 18 840.6 +14.2% Amounts due to banks 409.1 528.8-22.6% Deposits 15 592.3 13 017.4 +19.8% Debt securities in issue 482.1 669.1-27.9% Other liabilities 2 575.8 2 587.3-0.4% Equity 2 457.4 2 038.0 +20.6% Total liabilities and equity 21 516.7 18 840.6 +14.2% Sales [] 1 840 292 859 284 405 1 875 522 748 2 177 593 957 341 401 264 227 Q4'2015 Q3'2016 Q4'2016 Factoring** Leasing & car loans*** Operating loans Investment loans Loans, leasing and deposit balance [] +21,4% 13 017,4 12 026,0 +19,8% Growth of the net interest income by 61% YoY as the result of a strategy to build a base to result in the long term, through a portfolio based on high-margin products while striving to reduce financing costs. Stable sale on loan products - almost PLN 2,18 billion sale in Q4 2016 with a significant contribution of leasing (957 mpln in Q4 2016 vs 748 mpln in Q3 2016). Increase of NIM at Group level as the result of interest income growth by 2% Q/Q and consistent COF lowering by 6% Q/Q Increasing the number of customers who have a bank account about 21% YoY and accounting subscription of 13.4% YoY. The Bank continues the policy of reducing the cost of financing. The margin offered by the Bank over the market rate WIBOR fell from 0.42% in September, to 0.28% in December. CAR and Tier1 for the Bank at the level of 13.6% / 11.5%; Group of 14.4% / 12.0%. 15 592,3 14 596,2 * 2016-12-31 Loans & leasing Deposits The results of the Group includes cost of banking tax in the amount of 13.5 mpln for the Q4 2016 (46.5 mpln YTD). The result of the Group for 2016 includes profit on the sale of GetBack SA in the amount of 249.2 mpln (gross) and Debito in the amount -4.5 mpln (gross). *Adjusted data (including an opening balance adjustment in the amount of PLN 16.9 m from bancassurance income) ** Value of financed invoices *** Including purchased receivables of Getin Leasing, Leasing Idea Romania and Getin Noble Bank Idea Bank Group Poland: Idea Bank, Idea Leasing Group, Tax Care, Idea Expert, GetBack, Idea Money, other companies and consolidation adjustments 7

Carcade Russia Group End of restructuring, reconstruction of sales volumes RUSSIA RUB m Profit and loss 2016 2015 2016 / 2015 2016 2015 2016 / 2015 Interest income 153.3 195.6-21.6% 2 563.4 3 174.7-19.3% Interest expense -106.4-145.3-26.8% -1 777.9-2 357.7-24.6% Net interest income 47.0 50.3-6.7% 785.5 816.9-3.8% Net fee and commission income 23.1 33.0-30.0% 386.2 535.8-27.9% Other operating income and expense 58.7 68.6-14.5% 981.1 1 113.2-11.9% Net operating income 128.8 152.0-15.3% 2 152.8 2 465.9-12.7% Overhead costs -83.4-110.7-24.6% -1 394.5-1 796.0-22.4% Provision -39.3-38.2 +2.9% -657.1-620.1 +6.0% Profit before income tax 6.0 3.1 +97.2% 101.1 49.8 x2.0 Income tax -2.0-1.4 +39.7% -33.5-23.3 +44.0% Net profit (loss) 4.0 1.6 x2.5 67.6 26.5 x2.6 Balance sheet 2016-12-31 2016-12-31 / RUB m 2016-12-31 2016-12-31 / Cash and balances in the Central Bank 0.0 0.0 +60.0% 0.1 0.1 +24.2% Amounts due from banks 37.3 84.7-56.0% 548.8 1 604.6-65.8% Amounts due from clients 0.0 0.0-0.0 0.0 - Net investments in financial lease 728.2 857.7-15.1% 10 708.7 16 243.8-34.1% Intangible assets 1.4 1.9-22.4% 21.1 35.0-39.8% Tangible fixed assets 1.9 2.3-17.3% 28.4 44.3-35.8% Other assets 127.2 117.9 +7.9% 1 870.8 2 233.0-16.2% Total Assets 896.1 1 064.5-15.8% 13 177.9 20 160.9-34.6% Amounts due to banks 379.1 566.3-33.1% 5 575.2 10 725.7-48.0% Deposits 0.0 0.0-0.0 0.0 - Debt securities in issue 220.3 254.3-13.4% 3 239.3 4 817.0-32.8% Other liabilities 81.8 80.5 +1.6% 1 202.3 1 524.7-21.1% Equity 215.0 163.3 +31.6% 3 161.1 3 093.5 +2.2% Total liabilities and equity 896.1 1 064.5-15.8% 13 177.9 20 160.9-34.6% Difficult, but consistent restoration of sales and improved profitability Net profit for the year 2016 amounted to 4 mpln, +148% vs 2015 Net interest income (RUB) increased in Q4 2016 by +22.6% Q/Q and commission income by +10.3 Q/Q A new credit line in Q4 2016 in the amount of RUB 1,100 million. The company conducted intensive cost restructuring in 2016: 813,9 The reduction of fixed costs about 22.4% (RUB) compared to 2015. (Q4 2016 vs Q4 2015 decrease by 37.3% in RUB) Optimization of the sales network and focus on 32 cities - the sales network consisted of 47 branches. Since the beginning of the year closed down 24 branches. The level of employment of 548 people at the end of September vs. 815 in January. Leasing sales volumes [RUB m] x2,2-1,8% 1 795,0 1 762,9 +46,2% 2 577,0 Q1'2016 Q2'2016 Q3'2016 Q4'2016 Overhead costs reduction [RUB m] 1 796,0 Evolution of net fee and commission income [RUB m] -22,4% 71,4 +26,8% 90,6 1 394,5 +17,7% 106,6 +10,3% 117,6 Q1'2016 Q2'2016 Q3'2016 Q4'2016 Segment Russia: Carcade Group, Asset Finance Management and consolidation adjustments. Result of Segment Russia presented at slide no. 12. 2015 2016 8

::IdeaBank BELARUS Group The consistent improvement in profitability BELARUS Sales and portfolio structure [BYN m] 130,9-3,0% 126,9 45,1; 29% Net profit for 2016 amounted to 10.7 mbyn, growth by 4.4% YoY The level of sales in line with expectations decrease by -3% (BYN), including: -7.9% in retail loans (out of consumer finance), +7.1% in loans to SMEs. The increase in net interest income by 7.7% (BYN) - focus on products with higher margins 42,0 45,0 109; 70% 1,8; 1% The increase in fee income by x3.4 Further improvement of the quality of cash loans and their collection - all indicators show a stable portfolio quality improvement. Dividend in 2016 in the amount of 10.9 million PLN 88,9 82,0 SME loans Retail loans Car loans Focus on attracting and maintaining liquidity in BYN. Macroeconomic conditions - uncertainty in the market despite signs of improvement, rising foreign debt, high inflation. 2015 2016 BYN m Profit and loss 2016 2015 2016 / 2015 2016 2015 2016 / 2015 Interest income 131.4 201.2-34.7% 65.8 84.6-22.2% Interest expense -69.5-132.7-47.6% -34.8-55.9-37.7% Net interest income 61.9 68.4-9.5% 31.0 28.8 +7.7% Net fee and commission income 5.5 1.9 x2.8 2.8 0.8 x3.4 Other operating income and expense 28.9 58.9-51.0% 14.5 24.8-41.7% Net operating income 96.3 129.3-25.5% 48.2 54.4-11.3% Overhead costs -71.5-85.7-16.6% -35.8-36.1-0.8% Provision 3.3-14.1-1.7-5.9 - Profit before income tax 28.1 29.4-4.5% 14.1 12.4 +13.7% Income tax -6.8-5.2 +32.1% -3.4-2.2 +57.2% Net profit (loss) 21.3 24.3-12.3% 10.7 10.2 +4.4% Balance sheet 2016-12-31 2016-12-31 / BYN m 2016-12-31 2016-12-31 / Cash and balances in the Central Bank 144.9 144.9 +0.0% 67.1 69.0-2.7% Amounts due from banks 113.0 90.5 +24.9% 52.3 43.1 +21.5% Amounts due from clients 337.2 386.7-12.8% 156.2 184.2-15.2% Tangible fixed assets 41.9 38.5 +8.8% 19.4 18.3 +5.8% Other assets 53.2 51.0 +4.4% 24.6 24.3 +1.5% Total Assets 690.2 711.6-3.0% 319.7 338.9-5.7% Amounts due to banks 80.4 44.7 +79.9% 37.3 21.3 +75.0% Deposits 426.1 487.1-12.5% 197.3 232.0-14.9% Other liabilities 14.4 22.2-35.3% 6.7 10.6-37.0% Equity 169.3 157.6 +7.4% 78.4 75.0 +4.5% Total liabilities and equity 690.2 711.6-3.0% 319.7 338.9-5.7% Idea Bank Belarus Group: Idea Bank, Idea Finance, Idea Broker, consolidation adjustments 9

::IdeaBank UKRAINE Positive trends in sales and further capacity-building UKRAINE UAH m Profit and loss 2016 2015 2016 / 2015 2016 2015 2016 / 2015 Interest income 111.2 103.8 +7.1% 721.6 602.9 +19.7% Interest expense -68.8-94.8-27.4% -446.1-550.2-18.9% Net interest income 42.5 9.1 x4.7 275.5 52.7 x5.2 Net fee and commission income 36.6 29.8 +22.9% 237.6 173.1 +37.3% Other operating income and expense 3.0 5.5-45.2% 19.5 31.9-38.8% Net operating income 82.1 44.4 +85.0% 532.6 257.7 x2.1 Overhead costs -41.5-33.4 +24.3% -269.1-193.7 +38.9% Provision -28.2-33.4-15.8% -182.7-194.1-5.9% Profit before income tax 12.5-22.4-80.9-130.2 - Income tax -2.2 3.9 - -14.4 22.6 - Net profit (loss) 10.2-18.5-66.4-107.6 - Break even point exceeded significant improvement in net profit by YoY, 10.2 million PLN compared to a loss -18.5 mpln for 2015. Loans sales at 1 749.1 muah, growth of +65.3% YoY. Credit risk under control, COR = 7.6%, at NIM on new sales in Q4 2106 at 18.5%. Costs under control - C/I = 50.5% vs 75.2% in 2015. Significant improvement in macroeconomic conditions 2% GDP growth in 2016 vs - 10.1% in 2015. Retail loans sales [UAH m] 1 058,4 +65,3% 1 749,1 Loans and deposits balance [UAH m] +23,2% 2 864,9 +10,1% 2 2 506,4 2 2 275,9 2 325,8 Balance sheet 2016-12-31 2016-12-31 / UAH m 2016-12-31 2016-12-31 / Cash and balances in the Central Bank 31.3 15.3 x2.0 202.8 94.1 x2.2 Amounts due from banks 23.9 35.8-33.3% 154.8 220.7-29.8% Amounts due from clients 386.5 369.2 +4.7% 2 506.4 2 275.9 +10.1% Financial instruments 57.4 9.1 x6.3 372.2 56.3 x6.6 Tangible fixed assets 12.5 13.3-6.0% 81.0 81.9-1.1% Other assets 26.8 25.2 +6.3% 173.6 155.2 +11.8% Total Assets 538.3 467.8 +15.1% 3 490.8 2 884.1 +21.0% Amounts due to banks 12.2 11.4 +6.6% 78.9 70.4 +12.1% Deposits 441.8 377.2 +17.1% 2 864.9 2 325.8 +23.2% Debt securities in issue 11.6 19.4-40.1% 75.3 119.5-37.0% Other liabilities 11.6 19.7-41.3% 75.0 121.4-38.2% Equity 61.2 40.1 +52.7% 396.7 246.9 +60.7% Total liabilities and equity 538.3 467.8 +15.1% 3 490.8 2 884.1 +21.0% 2015 2016 Net operating income [UAH m] -0,3% 116,5 116,1 +30,1% -1,5% 2016-12-31 151,1 148,8 Q1'2016 Q2'2016 Q3'2016 Q4'2016 Loans Deposits Segment Ukraine = Idea Bank Ukraine, Idea Leasing Ukraine, Gwarant Plus and consolidation adjustments. Result of Segment Ukraine has been presented on page no. 12. 10

Idea::Bank ROMANIA Group Robust growth and building of customer base ROMANIA Profit and loss 2016 2015 2016 / 2015 Interest income 70.1 55.8 +25.8% Interest expense -27.9-29.5-5.2% Net interest income 42.2 26.3 +60.6% Net fee and commission income 30.3 16.8 +80.0% Other operating income and expense 24.0 9.2 x2.6 Net operating income 96.5 52.3 +84.6% Overhead costs -80.3-76.5 +5.0% Provision -1.7-11.7-85.6% Profit before income tax 14.5-35.9 - Income tax 0.6-1.3 - Net profit (loss) 15.2-37.2 - Balance sheet 2016-12-31 2016-12-31 / Cash and balances in the Central Bank 262.5 220.3 +19.1% Amounts due from banks 106.6 47.6 x2.2 Amounts due from clients 554.1 256.2 x2.2 Net investments in financial lease 643.4 546.0 +17.8% Financial instruments 122.5 71.8 +70.5% Intangible assets 7.0 5.9 +19.0% Tangible fixed assets 29.8 30.8-3.3% Other assets 68.6 89.5-23.3% Total Assets 1 794.4 1 268.2 +41.5% Amounts due to banks 316.3 161.8 +95.5% Deposits 1 274.4 858.7 +48.4% Debt securities in issue 27.1 107.6-74.8% Other liabilities 56.7 62.7-9.7% Equity 120.0 77.4 +55.0% Total liabilities and equity 1 794.4 1 268.2 +41.5% *Calculated as a relation of interest income to average interest assets in the analysed period (year / quarter) Idea Bank Romania: Idea Bank, Idea Leasing, other companies and consolidation adjustments Bank & Leasing sales [] 658,6 433,6 225,0 +45,2% 956,0 485,3 470,7 2015 2016 The economy in excellent shape GDP growth of 4,8% in 2016, low unemployment Significant growth of sales in 2016 at: bank 470.7 mpln growth by 109.2% YoY, leasing 485.3 mpln growth by 11.9% YoY. Significant improvement of result. Net profit in 2016 amounted to 15.2 mpln in comparison to loss at -37.2 mpln in 2015. NIM * at 2.9% vs 2.6% in 2015. Portfolio structure [] Leasing Bank Risk under control COR for bank at 0.6% and -0.4% for leasing 643,4; 54% 155,5; 13% 394,8; 33% 3,9; 0% SME loans Mortgage loans Retail loans Leasing receivables 11

Appendix 1: Profit and loss for FY 2016 2016 Idea Bank Poland Group Russia Segment* Belarus Segment Ukraine Segment** Romania Segment MW Trade Interest income 1 010.5 165.0 131.4 111.5 70.1 56.2 1.6-31.7 1 514.7 Interest expense -386.5-106.4-69.5-68.8-27.9-33.8-22.4 41.3-674.1 Net interest income 624.0 58.6 61.9 42.7 42.2 22.4-20.8 9.6 840.6 Net fee and commission income 341.9 23.1 5.5 36.8 30.3 0.5-0.5-3.1 434.4 Other operating income and expense 196.0 58.7 28.9 3.2 24.0 0.2 64.4-81.3 294.0 Net operating income 1 161.9 140.4 96.3 82.7 96.5 23.1 43.1-74.9 1 569.0 Overhead costs -540.9-83.4-71.5-41.7-80.3-7.4-16.7 14.7-827.4 Provision -169.6-57.3 3.3-46.2-1.7 0.0 0.0 0.0-271.4 Share in result of cons. units of equity method -13.6 0.0 0.0 0.0 0.0 0.0 0.0 3.7-9.9 Profit before income tax 437.8-0.3 28.1-5.2 14.5 15.7 26.3-56.5 460.3 Income tax -31.4-4.3-6.8 0.9 0.6-3.0 10.4-1.3-34.9 Profit (loss) from continuing operations 406.4-4.6 21.3-4.3 15.2 12.7 36.7-57.9 425.4 Profit (loss) from discontinued operations 34.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 34.6 Net profit (loss) 441.0-4.6 21.3-4.3 15.2 12.7 36.7-57.9 460.1 Non-controlling interest -201.0 Net profit attributable to equity holders of the Co. 259.0 Getin Holding Cons. adj. Getin Holding Group * In the third quarter of 2016, ASF acquired by Getin Holding SA has been included to Segment Russia. The subject of ASF's business is servicing Carcade's leasing receivables portfolio. ASF's net loss for 2016 amounted to PLN -18.0 million. ** In the fourth quarter of 2016, in the Segment Ukraine, the reserve has been amounted to PLN -14.7m net on the consolidation adjustments of the Getin Holding Group attributable to Ukrainian assets. Segment Russia: Group Carcade, ASF, consolidation adjustments. Segment Ukarine: Idea Bank Ukraine, Idea Leasing Ukraine, Gwarant Plus and consolidation adjustments. Segment Belarus: Idea Bank Belarus, Idea Broker, Idea Finance, consolidation adjustments. Segment Romania: Idea Bank Romania, Idea Leasing Romania, other companies & consolidation adjustments 12

Appendix 2: Balance sheet as of 31.12.2016 2016-12-31 Idea Bank Poland Group Russia Segment* Belarus Segment Ukraine Segment** Romania Segment MW Trade Cash and amounts due from Central Bank 129.7 0.0 144.9 31.3 262.5 0.0 0.0 0.0 568.4 Amounts due from banks and financial institutions 290.0 37.3 113.0 23.9 106.6 9.4 15.4-59.3 536.2 Derivative financial instruments 47.8 0.0 0.0 0.0 2.4 0.0 31.0 0.0 81.2 Financial assets at fair value through profit or loss 0.0 0.0 0.0 0.0 0.0 0.0 136.4 0.0 136.4 Amounts due from clients 10 886.1 0.0 337.2 368.5 554.1 0.0 0.0-566.8 11 579.1 Net investments in financial lease 3 710.1 739.8 0.3 0.1 643.4 0.0 0.0-11.7 5 082.1 Other loans and receivables 91.8 0.0 0.0 0.0 0.0 557.2 0.0 0.1 649.1 Financial instruments 3 681.0 0.0 6.5 57.4 122.5 0.0 88.1 11.4 3 966.9 Investments in associates 367.6 0.0 0.0 2.2 0.0 0.0 1 786.5-1 756.8 399.4 Intangible assets 665.2 1.4 13.1 3.0 7.0 0.1 0.1 108.5 798.5 Tangible fixed assets 155.4 1.9 41.9 12.5 29.8 1.7 2.6-4.8 241.1 Investment property 66.0 0.0 21.9 1.2 2.4 0.0 0.0 0.0 91.6 Tax assets 519.1 10.2 0.2 11.9 15.5 8.4 73.5 16.0 654.7 Other assets 907.0 114.7 11.2 14.3 48.3 0.5 5.1-40.2 1 060.8 Total Assets 21 516.7 905.5 690.2 526.3 1 794.4 577.2 2 138.8-2 303.7 25 845.3 Amounts due to banks and other commercial institutions 409.1 379.1 80.4 12.2 316.3 322.7 54.1-579.4 994.5 Other financial liabilities at fair value through profit or loss 2 126.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2 126.2 Amounts due to customers 15 592.3 0.0 426.1 441.3 1 274.4 0.0 0.0-24.2 17 709.9 Debt securities in issue 482.1 220.3 0.5 11.6 27.1 165.0 50.2 0.0 956.8 Other liabilities 449.6 100.2 13.9 11.6 56.7 2.5 459.6-271.7 822.3 Total liabilities 19 059.3 699.6 520.9 476.7 1 674.4 490.2 563.9-875.2 22 609.7 Equity 2 457.4 205.9 169.3 49.6 120.0 87.1 1 574.9-1 428.5 3 235.6 Total liabilities and equity 21 516.7 905.5 690.2 526.3 1 794.4 577.2 2 138.8-2 303.7 25 845.3 Getin Holding Cons. adj. Getin Holding Group Segment Russia: Group Carcade, ASF, consolidation adjustments. Segment Ukarine: Idea Bank Ukraine, Idea Leasing Ukraine, Gwarant Plus and consolidation adjustments. Segment Belarus: Idea Bank Belarus, Idea Broker, Idea Finance, consolidation adjustments. Segment Romania: Idea Bank Romania, Idea Leasing Romania, other companies & consolidation adjustments 13

Disclaimer This presentation ( Presentation ) has been prepared by Getin Holding S.A. (the Company ) only for information purposes and may not, in any event, be considered or interpreted as an offer and/or a recommendation to enter into any transaction. In particular, it may not be considered or interpreted as an offer to acquire any securities or as an offer, invitation or incentive to make any acquisition offer, to make any investment or carry out any transaction involving such securities, nor may it be considered or interpreted as a recommendation to enter into any transaction, particularly any transaction involving the securities in the Company or any of its subsidiaries, in the United States of America or in any other jurisdiction. Although the information contained in this Presentation is based on generally available and reliable sources, the Company cannot guarantee that this information is full and complete. The Company 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 Company is not required to publicly disclose any possible modification or change to any information, data or statement contained in this Presentation if the Company changes its strategy or intentions or if any unforeseen events or circumstances occur that affect the Company s strategy and/or intentions. No information contained in this Presentation may, by any means, by considered or interpreted as a forecast or any express or implied representation or warranty whatsoever made by the Company or any person acting on behalf of the Company. In addition, neither the Company nor any person acting on its behalf shall be liable, in any way whatsoever, for any loss or damage that may be caused as a result of negligence or otherwise in connection with the use of this Presentation or any information contained in it, or for any damage that might otherwise arise in connection with any information contained in this Presentation. The publication by the Company of the data contained in this Presentation is not a breach of the regulations applicable to companies whose shares are traded on a regulated market, particularly on a regulated market of the Warsaw Stock Exchange (Giełda Papierów Wartościowych w Warszawie S.A.). The information provided in this Presentation has already been disclosed in current or periodic reports published by the Company or constitutes an addition to those reports, and its publication does not require the Company to fulfil the obligation to provide information as imposed on the Company as a public company. Please note that the only reliable source of information on the situation of the Company, its forecasts, events regarding the Company, its financial results and indicators is the current and periodic reports published by the Company in performing its information obligations. The financial and sales figures contained in this Presentation have been rounded off to and to one decimal place. * * * 14