1. The Undisputed Number One Asset Financing Provider in CEE. Welcome at

2. Bank Austria Creditanstalt Leasing Established in 1963 Center of Competence for leasing within the HVB Group 640 employees in CEE and SEE 440 employees in Austria 6 offices in Austria

3. BA-CA Leasing InternationalWarszawaLjubljana Bucuresti Zagreb Praha Bratislava Budapest Vienna Sofia Beograd Sarajewo Bolzano/ Bozen Treviso

4. Leasing portfolio Austria: € 3,467 mn International: € 2,145 mn New business 2004: Austria: € 668 mn International: € 1,205 mn Total:€ 1,873 mn Bank Austria Creditanstalt Leasing Facts and Figures 2004

5. Product Range Vehicles –Passenger cars –Trucks –Buses –Trailers Movables –Machinery –Equipment –Aircraft –Railways –Agricultural sector Real Estate Municipalities and Public Lease Finance Cross Border Leasing

6. Advantages for the Lessee 100% debt financing Preservation of credit lines Off-balance-sheet financing Cash- fow oriented financing ("pay-as-you-earn"-principle)

7. Additional Services Consulting on the feasibility of a project Location analysis Project Management Legal Assistance Insurance Coverage