Polish Leasing Association Warsaw, January 2008 Leasing market in Poland 2008

2 Data collected from the following 38 companies: Bankowy Fundusz Leasingowy BISE Atechnet Leasing BNP Paribas Lease Group BPH Leasing (HVB Group) BRE Leasing (Commerzbank Group) BZ WBK Leasing (AIB Group) Caterpillar Financial Services Poland DaimlerChrysler Services Leasing De Lage Landen Leasing Deutsche Leasing Polska Europejski Fundusz Leasingowy (Credit Agricole Group) Fidis Leasing Polska Fortis Lease Polska Getin Leasing Grenkeleasing Handlowy-Leasing IKB Leasing Polska Immoconsult ING Lease (Polska) (ING Group) Kredyt Lease LHI Masterlease Polska Millennium Leasing (Banco NL Leasing Polska NOMA 2 Nordea Finance Polska ORIX Polska PEKAO Leasing Raiffeisen Leasing Polska Renault Credit Polska Scania Finance Polska SEB Leasing POlska SG Equipment Leasing Polska SGB-Trans-Leasing PTL Siemens Finance VB Leasing Polska (Volksbank Group) VFS Usługi Finansowe Polska Volkswagen Leasing Polska

3 Estimated total net value of movables & real estate leased 1997 – 2007 (bln PLN) 32,647

4 Value of leasing outstandings in Poland at 31 December 2007 (estimated value – 48,63 bln PLN)

5 Structure of leasing outstandings in Poland at 31 December 2007

6 Leasing share in investments in Poland % estimated

7 Movables leasing share in investments on fixed assets (except buildings) in Poland % estimated

8 Total net value of movables leased in years 1997 – 2007 (in bln PLN)

9 Movables analysis by type of assets in years 1999 – 2007

10 Movables market structure 2006 vs 2007

11 Dynamics of new portfolio movables in Poland 2007 vs 2006

12 Share of top 10 companies in movables leasing market in 2007 (estimated total net value – 29,6 bln PLN)

13 Estimated total net value of road transport vehicles leased in years 1997 – 2007 (in million PLN)

14 Analysis by type of assets in road transport vehicles leasing market in 2007 (estimated total net value – 19,45 bln PLN)

15 Share of top 10 companies in road transport vehicles leasing market in 2007 (estimated total net value – 19,45 bln PLN)

16 Estimated total net value of passenger cars leased in years (in million PLN)

17 Share of top 10 companies in passenger cars leasing market in 2007 (estimated total net value – 7,31 bln PLN)

18 Estimated total net value of machines and industrial equipment leased in years (in million PLN)

19 Analysis by type of assets in machinery and industrial equipment leasing market in 2007 (estimated total net value – 8,86 bln PLN)

20 Share of top 10 companies in machines and industrial equipment leasing market in 2007 (estimated total net value - 8,86 mld PLN)

21 Estimated total net value of computers and business machines leased in years 1997 – 2007 (in million PLN)

22 Analysis by type of assets in computers and business machines leasing market in 2007 (estimated total net value – 476,5 mln PLN)

23 Share of top 10 companies in computers and business machines leasing market in 2007 (estimated total net value – 476,50 mln PLN)

24 Total net value of real estate leased in years 1997 – 2007 (in bln PLN)

25 Real estate market structure 2007 vs 2006

26 Share of top 10 companies in real estate leasing market in 2007 (estimated total net value – 3,05 bln PLN)

27 Europes new portfolio leasing market in 2005 – 2006 (in bln Euro) Source: Leaseurope and PLA

28 Europes vs Polish leasing market Dynamics of new portfolio in Poland and EU Source: Leaseurope and PLA 2003 vs vs vs vs vs 2006 (forecast)

29 Share of Polish leasing in Leaseuropes leasing market 2003 – 2007 Source: Leaseurope and PLA

30 A measure of Polish leasing professionals expectations in relation to the state of the general Polish economy (macroeconomic environment), the leasing sector and the situation inside leasing companies The individual activity component (microeconomic environment). consists of 3 factors: turnover, contracts, employees, financial results Polish leasing companies, for the third time already, take part in edition of the Polish Leasing Barometer. It is based on the methodology for computing the European Leasing Barometer. Leaseurope creates ELB for various clusters and countries, there for it should not be examined in isolation. Polish Leasing Barometer An indicator of confidence of Polish lessors

31 Evolution of the Polish Leasing Barometer in 2007 Source: Leaseurope

32 Source: Leaseurope European comparison of various December edition Leasing Barometers

33 Evolution of Polish Leasing Barometer components in 2007 Source: Leaseurope

34 Evolution of the individual activity component in 2007 Source: Leaseurope

35 December Polish Leasing Barometer components compared to CEE and Europe Source: Leaseurope

36 Polish Leasing Association Polish Leasing Association Office: Warsaw, Rejtana 17 Tel.: (22) /39 Fax: (22)