Transaction Banking in Banka Koper May 19th, 2016

Slovenia at a glance Top Slovenian exporters: 2

Banka Koper – Facts and Figures Total Assets (€ min) 2,301 (as of 31.3.2015) Market share 6 % Rank 7th Nr. Clients 193,000 Nr. Branches 52 Nr. Colleagues 760 Banka Koper is a universal bank, providing banking services to individuals, corporates and institutional customers The bank provides full coverage of the Slovenian territory Banking relationships with International companies are coordinated together with Intesa Sanpaolo Group network Banka Koper is widely recognized as one of the best-performing Slovenian banks in the development of innovative financial products and services and e-business. 3

Banka Koper – Business Network

Corporate and SME Product Offer Cash & Liquidity Management Financing Solutions Trade Finance Other Current accounts Domestic/Crossborder and International payments/collections Cash Pooling: domestic zero balance limited to clients of the bank SWIFT messages: MT940, MT101 E-banking services (I-Net) Sight & Term Deposits Debit and Credit Cards (Activa, Amex, Mastercard, Visa) Acquiring tools: POS, ATMs Working Capital Financing Short-term non revolving credit lines Revolving Overdraft Medium and Long Term Loan Bridge Loans with EU Funds Financial leasing on movable and immovable assets. Documentary Collections Letters of Credit (import, export) Import and export financing Trade Guarantees Treasury FX spot and forward options hedging of interest rate Eurodesk Investment in mutual funds Bank Guarantees

TB Analysis – Products offer Cash Management - Products and Services Local corporate e-banking main services SWIFT: Reporting, Payments and Cash Pooling Services Banka Koper Services Banka Koper Notes Not Available via channel Available via channel Next release   Acc Information EoD Acc Information Intraday  Account Information via SWIFT MT940  Local Payments Bulks Outcomes SWIFT MT101 Request for Transfer processing   Domestic Cash Pooling  International Payments Bulks Outcomes  International Cash Concentration  SEPA SCT Bulks Outcomes  Cash Pooling Zero Balance  SEPA SDD Outcomes  6

GAP Analysis – Cash Management Top Priorities 2016 Upload and presentation daily and intraday statements (MT940/1/2) in local EB solution – consolidated near real time accounts overview upon Group accounts Development of the InBIz International Group platform Liquidity management / Cash pooling International Cash Concentration Service International cash pooling Zero balance– master account in Banka Koper International cash pooling Zero Balance with booking in date D (no D+1) 7