July 2005 BA-CA Comparison of Banks: International Banks in the New Europe 2004/2005.

July 2005

BA-CA Comparison of Banks:International Banks in the New Europe

2004/2005

2

Notes to the comparison of banks The comparison covers the following countries:

Albania Macedonia Bosnia and Herzegovina Poland Bulgaria Romania Croatia Russia Czech Republic Serbia and Montenegro Estonia Slovakia Hungary Slovenia Latvia Ukraine Lithuania

“CEE total“ refers to the above mentioned 17 countries. “CEE*“ refers to the above mentioned countries excluding Russia and Ukraine.

The data used are based on the total assets as of 31 December 2004, reflecting ownership interests as at 30 June 2005.

The total assets of the entire banking market in the first section of the comparison differ from those in the subsequent sections: The first section uses total assets according to central bank statistics (translated at the average annual exchange rate). The other sections of the comparison use the total assets obtained by adding together the total assets as shown in the banks‘ local financial statements (translated at the year-end exchange rate).

3

Contents

Status quo and development of the banking sector in CEE

The largest international banks in CEE

Supplement: The largest banks in the individual countries

4

The banking market 2004 in CEE at a glance

Some 400 banks with total assets of almost 440 billion euros in CEE*

Incl. Russia and Ukraine: over 2,000 banks with total assets of more than 650 billion euros

Degree of intermediation (total assets as a percent of GDP): between 35% in Serbia and 109% in Croatia average 74% in CEE* (average for the euro area: 206%) average 59% in CEE total

CEE* ... excl. Russia and UkraineCEE total ... incl. Russia and Ukraine

5

The banking market in CEE: development of loans from 2000 to 2004

Lending volume (% of GDP, as at end 2004): highest in Croatia with 62% / lowest in Romania with 18% average 34% in CEE* / 31% in CEE total euro area: 102%

Credit growth (average 2000-2004): more than 40% in Bulgaria and Romania more than 30% in Russia, Ukraine and the Baltics about 20% in Hungary, Slovenia, Croatia and Bosnia less than 10% in Poland and Serbia stagnation with moderate upturns in the Czech Republic and in Slovakia average 15% in CEE* / 24% in CEE total euro area: 4%


6

The banking market in CEE: development of deposits from 2000 to 2004

Deposits (% of GDP, as at end 2004): highest in the Czech Republic (64%) and in Croatia (60%) lowest in Romania (24%), Ukraine (23%), Serbia (20%) and Russia (16%) average 43% in CEE* / 31% in CEE total euro area: 73%

Deposit growth (2000-2004): lower than credit growth strongest growth rates in Serbia (49%), Ukraine (44%), Russia (39%) and Romania (38%) average 12% in CEE* / 19% in CEE total euro area: 6%


7

The banking market in CEE in figures

Source: national central banks, BA-CA Economics Department

1) cooperative sector as one bank2) per annum in local currency3) majority ownership calculated as 100%, 2004

2004No. of

banks 1) Market share 3)Total assets

Household Household

Internat. Growth

loans deposits

banks TOP 5 % of GDP % of GDP 00-04in eurosper capita % of GDP 00-04

p.a. 2) p.a. 2)

Poland 54 70% 50% 65% 30% 7% 688 39% 6% 1272

Hungary 35 77% 53% 82% 41% 21% 1185 40% 13% 2073Czech Republic 35 83% 63% 96% 33% -1% 966 64% 6% 3262Slovakia 21 97% 67% 88% 29% -1% 625 53% 4% 1961Slovenia 19 38% 64% 92% 46% 16% 1586 51% 13% 4908Estonia 6 98% 98% 96% 47% 29% 1545 44% 17% 1292Latvia 23 49% 62% 107% 51% 38% 860 31% 28% 832Lithuania 12 93% 79% 47% 29% 33% 373 27% 21% 811Croatia 39 91% 74% 109% 62% 21% 1979 60% 18% 2687Bulgaria 35 80% 52% 66% 35% 45% 287 39% 24% 591Romania 39 66% 57% 38% 18% 43% 135 24% 38% 415Serbia 45 38% 47% 35% 20% 9% 111 20% 49% 221Bosnia 33 70% 59% 73% 45% 18% 352 41% 31% 352

CEE* 396 75% 59% 74% 34% 15% 640 43% 12% 1331

Ukraine 160 8% 37% 39% 29% 35% 53 23% 44% 142Russia 1464 8% 45% 43% 27% 36% 120 16% 39% 387

CEE total 2020 55% 54% 59% 31% 24% 308 31% 19% 710

Euro area 2287 24% 54% 206% 102% 4% 12398 73% 6% 13556

Total loans Total deposits

Growthin eurosper capita

8

Development of total loans (in % of GDP)

Year-end figures, * forecastSource: BA-CA Economics Department

PL H CZ SK SI EST LV LT HR BG RO SCG BA UA RUS CEEtotal

euroarea

0

20

40

60

80

100 2004 2008*102%


9

Development of personal loans (per capita in euros)


euroarea

0

1000

2000

3000

4000 2004 2008*~12.400euros



10

Development of total deposits (in % of GDP)


euroarea

0

20

40

60

80 2004 2008*%

73



11

Development of personal deposits (per capita in euros)


euroarea

0

1000

2000

3000

4000

5000

6000 2004 2008* ~13.600

euros



12

Loans and deposits: outlook until 2008

Growth of total loans: above average growth rates to be expected in Bulgaria, Romania, Serbia, Russia and

Ukraine, with growth slowing down somewhat 2005: +16% in CEE* / +24% in CEE total 2006-2008: +13% in CEE* / 17% in CEE total

Personal loans: strong growth expected 2005: +20% in CEE* / +31% in CEE total 2008: some 1,200 euros per capita in CEE* / some 700 euros per capita in CEE total

Growth of deposits: in Russia, Ukraine, Romania, Bulgaria and Serbia clearly stronger growth than in the other

CEE countries 2008: some 1,900 euros per capita in CEE* / some 1,200 euros per capita in CEE total


13

Contents




14

International banks show growing interest in CEE

The share of international banks in Central and Eastern Europe increased again in 2004: 69% in CEE* / 50% in CEE total (based on ownership interests) 75% in CEE* / 55% in CEE total (majority ownership at 100%) comparative figure for 1996: 21% in CEE* This means that the share of international banks in CEE* has more than tripled

over the past ten years. Combined total assets of international banks in CEE* have increased from 44 to 336

billion euros. Highest share of banks in which foreign owners have a majority interest:

Estonia (98%), Slovakia (97%), Lithuania (93%), Croatia (91%) and Albania (90%) More than 50% of banks are foreign-owned in:

Poland, Hungary, Czech Republic, Romania, Bulgaria and Bosnia Foreign share below 50%:

Slovenia, Latvia, Serbia Foreign share below 10%:

Ukraine, Russia


15

Share of foreign banks increased since 1996 from 21% to a current 69%

*) Forecast

Total assets and share of international banks(CEE* [excl. RUS / UA], bn euros and in % of all banks)

44 61 75109

160

210 214236

307316

30%

42%

53%

60% 62%66%

69% 69%

27%21%

1996 1997 1998 1999 2000 2001 2002 2003 2004 2005*)

Pro-rata share based on ownership interests in bn euros

Market share of international banks

Source: BA-CA Economics Department

16

International banks control 3/4 of the banking sector

CEE* ... excl. Russia and Ukraine CEE total ... incl. Russia and Ukraine

Total assets and share of international banks(majority ownership at 100%, bn euros and in % of all banks, 2004)

Majority ownership at 100%, in bn euros

Market share of foreign-owned banks

92 50 72 29 9 8 6 8 27 15 10 2 3 3 336 1 15 352

97%

38%

49%

66%

80%90%

75%

8% 8%

55%

70%

38%

91%83%

93%98%

70%77%

PL HU CZ SK SI EST LV LT HR RO BG SCG BA AL CEE* UA RUS CEEtotal


17

Austrian banks are leading players in CEE (share in % of all international banks in CEE)

Austria29.4%

Belgium10.3%

Germany7.7%

France7.5%

USA6.9%

Italy13.3%

Sweden 5.4%

Greece1.7%

Portugal0.7%

Great Britain0.5% Rest

7.2%

Ireland1.8%

Netherlands6.5%

Hungary1.1%


18

The largest international banking groups in CEE1) (100% majority ownership interests; excl. EBRD and IFC; total assets according to local financial statements)

100% majority ownership interests, in bn euros

Market share held by all banks

35.2 35.0 30.8 27.7 27.2 20.9 16.5 16.1 15.6 12.5

4.8%

4.3% 4.2%

3.2%

2.6% 2.5% 2.4%

1.9%

5.4%5.5%

KBC HVB Group (BA-CA and

HypoVereinsbank)

ERSTEBank

UniCredit Raiffeisen SociétéGénérale

Banca Intesa

Citibank ING, N.V.Amsterdam

Commerz-bank

1) EU new member states, EU candidate countries, Albania, Macedonia, Serbia and Montenegro, Bosnia-Herzegovina, Russia, UkraineSource: BA-CA Economics Department

19

28.4*27.2

32.0

33.3

HVB Group (BA-CA and HypoVereinsbank)

ERSTEBank

KBC UniCreditRaiffeisen

BA-CA 32.2

HVB 3.3

35.5

The largest international banking groups in CEE1) (100% majority ownership interests, consolidated figures, incl. CEE leasing, bn euros)

Source: company data / annual reports

1) EU new member states, EU candidate countries, Albania, Macedonia, Serbia and Montenegro, Bosnia-Herzegovina, Russia, Ukraine* incl. Kosovo, excl. Belarus

20

Contents




21

Top 5 in Poland


BA-CA (HVB Group) Amsterdam

Top banks

21,597

8,30613,21614,564

8,607

10.0%

6.5% 6.3%

16.3%

11.0%

PKO BP Bank Pekao(UniCredit)

Bank BPH(BA-CA)

ING BankŚląski

Bank Handlowyw Warszawie

(Citibank)

International banks

7,709 7,6046,230 5,503

9,736

7.2%

12.8%

10.1% 10.0%

8.2%

0

2.000

4.000

6.000

8.000

10.000

12.000

UniCredit ING, N.V. Citibank Commerzbank

0,0%

2,0%

4,0%

6,0%

8,0%

Pro-rata, in mn euros

12,0%

14,0%

Share in % of foreign banks

Total assets in mn euros

Market share in % of total market

22

Top 10 banks in Poland

Ranking Bank Total assets 1) Market share

1 PKO BP S.A. 21,597 16.3%

2 Bank Pekao S.A. 14,564 11.0%

3 Bank BPH S.A. 13,216 10.0%

4 ING Bank Slaski S.A. 8,607 6.5%

5 Bank Handlowy w Warszawie S.A. 8,306 6.3%

6 BRE Bank S.A. 7,379 5.6%

7 Bank Zachodni WBK 6,505 4.9%

8 Kredyt Bank 5,356 4.1%

9 Bank Millenium 5,290 4.0%

10 Bank Gospodarki Zywnosciowej 4,093 3.1%

Total 94,913 71.8%

1) total assets according to local financial statements, in mn euros


23

Top 5 in Hungary


Top banks

12,381

6,535 5,9294,5234,841

7.0%7.4%9.1%

19.0%

10.1%

OTP K&H(KBC)

MKB(BayerischeLandesbank)

CIB(BancaIntesa)

Erste

International banks

5,3134,520 4,423 4,398

3,886

8.9%9.0%9.2%

10.8%

7.9%

0

1.000

2.000

3.000

4.000

5.000

6.000

BayerischeLandesbank

ERSTEBank

Banca Intesa

Raiffeisen KBC

2,0%

4,0%

8,0%

10,0%

HVB Bank(BA-CA)

3,716

5.7%

#7

#7

3,716

7.5%

BA-CA (HVB Group)


12,0%

14,0%




24

Top 10 banks in Hungary


1 OTP 12,381 19.0%

2 K&H 6,535 10.1%

3 MKB 5,929 9.1%

4 CIB 4,841 7.4%

5 Erste 4,523 7.0%

6 Raiffeisen 4,398 6.8%

7 HVB Bank Hungary Rt 3,716 5.7%

8 MFB 2,463 3.8%

9 Budapest Bank 1,847 2.8%

10 FHB 1,692 2.6%

Total 48,326 74.3%



25

Top 5 in the Czech Republic


Top banks

16,806 15,618 14,767

3,1764,706

3.7%5.4%

18.0%19.4%

17.0%

CSOB(KBC)

CeskaSporitelna

(ERSTE Bank)

KomercniBanka

(SociétéGénérale)

HVB BankCzech Republic

(BA-CA)

Commerzbank

International banks

16,150 16,110

8,912

3,1764,706

7.1%

13.5%

24.4%24.4%

4.8%

0

2.000

4.000

6.000

8.000

12.000

14.000

16.000

18.000

KBC ERSTEBank

Société Générale

Commerzbank

0,0%

5,0%

10,0%

15,0%

20,0%

BA-CA (HVB Group)


12,0%

14,0%




26

Top 10 banks in the Czech Republic


1 CSOB 16,806 19.4%

2 Ceska sporitelna, a.s. 15,618 18.0%

3 Komercni banka 14,767 17.0%

4 HVB Bank Czech Republic 4,706 5.4%

5 Commerzbank 3,176 3.7%

6 Citibank 2,501 2.9%

7 Raiffeisenbank a.s. 2,086 2.4%

8 GE Money Bank, a.s. 1,970 2.3%

9 ING 1,769 2.0%

10 Zivnostenská banka 1,542 1.8%

Total 64,941 74.8%



27

Top 5 in Slovakia


International banks

5,5135,099

4,104

2,247 1,686

8.1%

14.8%

18.4%19.9%

6.1%

0

1.000

2.000

3.000

4.000

5.000

6.000

Banca Intesa

ERSTE Bank

Raiffeisen KBC EBRD

5,0%

10,0%

15,0%

20,0%

Top banks

6,075 5,689

4,327

1,6412,366

5.5%7.9%

14.4%

20.2%19.0%

SlovenskaSporitelna

(ERSTE Bank)

VUB(Banca Intesa)

Tatra banka(Raiffeisen)

ČSOB(KBC)

HVB BankSlovakia(BA-CA)

1,641

5.9%

#6

BA-CA (HVB Group)

25,0%


12,0%

14,0%




28

Top 10 banks in Slovakia


1 Slovenska Sporitelna 6,075 20.2%

2 VUB 5,689 19.0%

3 Tatra banka 4,327 14.4%

4 ČSOB 2,366 7.9%

5 HVB Bank Slovakia 1,641 5.5%

6 ING Bank N.V. 1,433 4.8%

7 UniBanka 1,266 4.2%

8 Prva stavebna sporitelna 1,125 3.7%

9 Dexia Banka Slovensko 978 3.3%

10 OTP Banka 874 2.9%

Total 25,776 85.9%



29

Top 5 in Slovenia


Top banks

7,642

2,516 2,011 1,5081,616

8.4%6.8% 6.3%

31.9%

10.5%

NovaLjubljanska

Banka (KBC)

Nova kreditnabanka Maribor

A banka Vipa

SKB banka (Société

Générale)

BankaCelje

International banks

2,755

1,610

871647

1,249

10.3%

14.8%

19.0%

32.6%

7.7%

0

500

1.000

1.500

2.000

2.500

3.000

KBC Société Générale

San Paolo IMI

Raiffeisen

0,0%

5,0%

10,0%

15,0%

20,0%

25,0%

1,250

5.2%

BA-CALjubljana

#7

BA-CA (HVB Group)


12,0%

14,0%




30

Top 10 banks in Slovenia


1 Nova Ljubljanska banka d.d. 7,642 31.9%

2 Nova kreditna banka Maribor d.d. 2,516 10.5%

3 A banka Vipa d.d. 2,011 8.4%

4 SKB banka d.d. 1,616 6.8%

5 Banka Celje d.d. 1,508 6.3%

6 Banka Koper d.d. 1,391 5.8%

7 Bank Austria Creditanstalt d.d. 1,250 5.2%

8 Gorenjska banka d.d. 1,167 4.9%

9 Raiffeisen Krekova banka d.d. 666 2.8%

10 Hypo-Alpe-Adria bank d.d. 566 2.4%

Total 20,333 85.0%



31

Top 5 in Croatia

*incl. Jadranska BankaSource: BA-CA Economics Department

Top banks

7,506

5,326

3,366 2,8043,185

17.7%

25.0%

11.2% 10.6%9.3%

ZagrebackaBanka

(UniCredit)

Privredna BankaZagreb

(Banca Intesa)

Erste &Steiermärkische

Bank

RaiffeisenbankAustria

HVB SplitskaBanka

(BA-CA)

International banks

6,176

4,3373,185 2,936 2,810

11.1%12.1%

16.4%

23.4%

10.6%

0

1.000

2.000

3.000

4.000

5.000

6.000

7.000

UniCredit Banca Intesa Raiffeisen Hypo Alpe Adria

0,0%

5,0%

10,0%

15,0%

BA-CA (HVB Group)*


12,0%

14,0%




32

Top 10 banks in Croatia


1 Zagrebacka Banka 7,506 25.0%

2 Privredna Banka Zagreb 5,326 17.7%

3 Erste & Steiermärkische Bank 3,366 11.2%

4 Raiffeisenbank Austria 3,185 10.6%

5 HVB Splitska Banka 2,804 9.3%

6 Hypo Alpe-Adria-Bank 2,249 7.5%

7 Nova Banka 1,040 3.5%

8 Slavonska Banka 725 2.4%

9 Hrvatska Postanska Banka 724 2.4%

10 Volksbank 473 1.6%

Total 27,398 91.1%



33

Top 5 in Romania

*incl. Banca TiriacSource: BA-CA Economics Department

Top banks

5,979

2,500 2,0761,2751,321

10.8%

25.8%

8.9%5.7% 5.5%

BancaComerciala

Romana

Banca RomanaPentru

Dezvoltare(Société

Générale)

Raiffeisen Bank

Romania

Casa DeEconomii Si

Consemnatiuni

ING BaringsRomania

International banks

2,078

1,4581,275 1,152

1,393

9.3%10.2%10.6%

15.2%

8.4%

0

500

1.000

1.500

2.000

2.500

Raiffeisen Société Générale

BA-CA* (HVB Group)

ING, N.V.Amsterdam

ABN AMRO

0,0%

2,0%

4,0%

6,0%

8,0%

10,0%

12,0%

1,057

6761,733

HVB BankRomania +

Banca Tiriac;(BA-CA)

7.5%

#4


12,0%

14,0%




34

Top 10 banks in Romania


1 Banca Comerciala Romana S.A. 5,979 25.8%

2 Banca Romana Pentru Dezvoltare S.A. 2,500 10.8%

3 Raiffeisen Bank (Romania) S.A. 2,076 8.9%

4 Casa De Economii Si Consemnatiuni S.A. 1,321 5.7%

5 ING Barings Romania S.A. 1,275 5.5%

6 ABN AMRO Bank (Romania) S.A. 1,153 5.0%

7 Banc Post S.A. 1,102 4.7%

8 HVB Bank Romania S.A. 1,057 4.6%

9 Alpha Bank Romania S.A. 737 3.2%

10 Banca Transilvania S.A. 661 2.8%

Total 17,862 76.9%

HVB Bank Romania S.A. + Banca Tiriac 1,733 7.5%



35

Top 5 in Bulgaria

*incl. Hebros BankSource: BA-CA Economics Department

Top banks

1,8421,665

1,126 1,026

8.0%8.8%

14.5%13.1%

Bulbank(UniCredit)

DSK Bank(OTP)

UnitedBulgarian Bank(National Bank

of Greece)

RaiffeisenbankBulgaria

International banks

1,665 1,5691,225

1,0261,310

12.1%13.0%

15.6%16.5%

10.2%

0

200

400

600

8001.000

1.200

1.400

1.600

1.800

OTP UniCredit BA-CA* (HVB Group)

National Bank of Greece

Raiffeisen

0,0%

2,0%

4,0%

6,0%

8,0%

10,0%

12,0%

14,0%

16,0%

1,314

10.3%

HVB BankBiochim +

Hebros Bank;(BA-CA)


12,0%

14,0%




36

Top 10 banks in Bulgaria


1 Bulbank 1,842 14.5%

2 DSK bank 1,665 13.1%

4 United Bulgarian Bank 1,126 8.8%

5 Raiffeisenbank Bulgaria 1,026 8.0%

3 HVB Bank Biochim + Hebros Bank 1,314 10.3%

6 First Investment Bank 844 6.6%

7 Bulgarian Post Bank 597 4.7%

8 Economic and Investment Bank 399 3.1%

9 SG Expressbank 393 3.1%

10 Roseximbank 371 2.9%

Total 9,264 72.7%



37

Top 5 in Serbia and Montenegro

*incl. EksimbankaSource: BA-CA Economics Department

Top banks

877695 662

362464

5.6%7.2%

10.2%

13.6%

10.8%

RaiffeisenbankJugoslavija a.d.

Beograd

Delta bankaa.d. Beograd

Komercijalnabanka a.d.

Beograd

Vojvodanskabanka a.d.Novi Sad

HVB BankSerbia and

Montenegro + Eksimbanka;

(BA-CA)

International banks

789

359292

123

357

12.2%15.0%15.0%

33.0%

5.1%

0

100

200

300

400

500

600

700

800

900

Raiffeisen Hypo AlpeAdria

BA-CA* (HVB Group)

Société Générale

National Bank of Greece

0,0%

5,0%

10,0%

15,0%

20,0%

25,0%


12,0%

14,0%




38

Top 10 banks in Serbia and Montenegro


1 Raiffeisenbank Jugoslavija a.d. Beograd 877 13.6%

2 Delta banka a.d. Beograd 695 10.8%

3 Komercijalna banka a.d. Beograd 662 10.2%

4 Vojvodanska banka a.d. Novi Sad 464 7.2%

6 Hypo Alpe-Adria-Bank a.d. Beograd 361 5.6%

7 Societe Generale Yugoslav Bank a.d. Beograd 292 4.5%

8 Jubanka a.d. Beograd 234 3.6%

9 AIK banka a.d. Niš 208 3.2%

5 HVB Bank Serbia and Montenegro + Eksimbanka 362 5.6%

10 ProCredit banka a.d. Beograd 176 2.7%

Total 4,169 64.5%



39

Top 5 in Bosnia and Herzegovina


Top banks

1.045

672546

195379

4.1%

7.9%

11.4%14.0%

21.7%

Raiffeisen BankBiH dd Sarajevo

UniCreditZagrebacka

banka BiH

Hypo Alpe Adriabanka Mostar

HVB CentralProfit Banka

(BA-CA)

UPI banka

International banks

951

551 546

137306

9.6%

17.1%17.3%

29.8%

4.3%

0

100

200

300

400

500

600

700

800

900

1.000

Raiffeisen UniCredit Hypo Alpe Adria

BA-CA (HVB Group)

Volksbank

0,0%

5,0%

10,0%

15,0%

20,0%

25,0%

30,0%


12,0%

14,0%




40

Top 10 banks in Bosnia and Herzegovina


1 Raiffeisen Bank BiH dd Sarajevo 1,045 21.7%

2 UniCredit Zagrebacka banka BiH dd 672 14.0%

3 Hypo Alpe Adria banka Mostar 546 11.4%

4 HVB Central Profit Banka d.d. 379 7.9%

5 UPI banka d.d. 195 4.1%

6 Razvojna 151 3.1%

7 Volksbank BiH dd 137 2.8%

8 CBS 87 1.8%

9 Procredit 71 1.5%

10 LHB banka Banja Luka 70 1.4%

Total 3,352 69.8%



41

Top 5 in Macedonia


Top banks

544473

269

79102

28.3%24.6%

14.0%

5.3%4.1%

Komercijalnabanka

StopanskaBanka

(National Bankof Greece)

Tutunska banka

(Nova Ljubl-janska banka)

Ohridska banka

StopanskaBanka BT

International banks

337

127 111

7153

8,8%

13,9%15,9%

42,2%

6,6%

0

National Bankof Greece

Nova Ljubljanska

banka

EBRD KBC IFC


12,0%

14,0%




42

Top 10 banks in Macedonia


1 Komercijalna banka 544 28.3%

2 Stopanska banka 473 24.6%

3 Tutunska banka 269 14.0%

4 Ohridska banka 102 5.3%

5 Stopanska banka BT 79 4.1%

6 Invest banka 47 2.5%

7 Alfa banka, Sk 47 2.4%

8 IK banka 43 2.2%

9 Makedonska banka 35 1.8%

10 ProKredit banka 34 1.8%

Summe 1,673 87.0%

BA-CA is active via a representative office.



43

Top 5 in Estonia


Top banks

5,043

2,184

620 121440

59.1%

25.6%

7.3% 5.2% 1.4%

Hansapank(Swedbank)

Eesti Ühispank(SkandinaviskaEnskilda Banken)

Sampo Bank Nordea Bank EestiKrediidipank

(Latvian Busi-ness Bank)

International banks

5,000

2,184

620 440 34

5.3%7.5%

26.3%

60.2%

0.4%

0

1.000

2.000

3.000

4.000

5.000

6.000

Swedbank SkandinaviskaEnskildaBanken

SampoGroup

Nordea Latvian Business

Bank

0,0%

10,0%

20,0%

30,0%

30,0%


12,0%

14,0%




44

Top 7 banks in Estonia


1 Hansapank 5,043 59.1%

2 Eesti Ühispank 2,184 25.6%

3 Sampo Bank 620 7.3%

4 Nordea Bank 440 5.2%

5 Eesti Krediidipank 121 1.4%

6 Tallinna Äripanga 41 0.5%

7 Preatoni Pank 12 0.1%

Total 8,461 99.1%

HVB Group is represented via a branch.



45

Top 5 in Latvia

HVB Bank Latvia is ranked 11th.


Top banks

2,006 1,8601,668

640853

7.6%5.7%

14.8%16.5%

17.8%

Parex Bank Hansabanka(Swedbank)

Unibank ofLatvia

(SkandinaviskaEnskilda Banken)

Rietumu banka Aizkrauklesbanka

International banks

1,648

1,110

702551

305

10.7%13.6%

21.6%

32.0%

5.9%

0

200

400

600

800

1.000

1.200

SkandinaviskaEnskilda Banken

Swedbank Nordea NordLB HVB Group

0,0%

5,0%

10,0%

15,0%

20,0%


12,0%

14,0%




46

Top 10 banks in Latvia


1 Parex Bank 2,006 17.8%

2 Hansabanka 1,860 16.5%

3 Unibank of Latvia 1,668 14.8%

4 Rietumu banka 853 7.6%

5 Aizkraukles banka 640 5.7%

6 Nordea Bank 572 5.1%

7 NORD/LB Latvija 554 4.9%

8 Mortgage and Land Bank of Latvia 454 4.0%

9 Lateko Banka 451 4.0%

10 Latvijas Krajbanka 310 2.8%

Total 9,370 83.2%

HVB Bank Latvia is ranked 11th.



47

Top 5 in Lithuania


Top banks

2,757

1,904

1,047

439559

32.7%

22.6%

12.4%

6.6% 5.2%

Vilniaus Bankas

(SkandinaviskaEnskildaBanken)

AB BankasHansabankas(Swedbank)

NordLB Bankas Snoras

Sampobankas

International banks

2,782

1,137 975

523 439

7.0%

13.1%15.3%

37.3%

5.9%

0

500

1.000

1.500

2.000

2.500

3.000

SkandinaviskaEnskilda Banken

Swedbank NordLB Nordea SampoGroup

5,0%

10,0%

15,0%

20,0%

25,0%

30,0%

35,0%

435

HVB BankLithuania

(HVB Group)

5.2%

#7

435

HVB Group

5.8%

#7


12,0%

14,0%




48

Top 7 banks in Lithuania


1 Vilniaus Bankas 2,757 32.7%

2 AB Bankas Hansabankas 1,904 22.6%

3 NordLB 1,047 12.4%

4 Bankas Snoras 559 6.6%

5 Sampo bankas 439 5.2%



Summe 6.708 79,5%

7 HVB Bank Lithuania 435 5.2%

6 Ukiobanka 437 5.2%

49

Top 5 in Russia


Top banks

51,528

10,590 9,021 4,2364,867

2.4%2.8%5.1%6.0%

29.1%

Sberbank Vneshtorg-bank

Gazprom Alfa-Bank MDM-Bank

International banks

2,1671,986

821 722

1,410

5.7%

9.7%

13.7%14.9%

5.0%

0

500

1.000

1.500

2.000

2.500

Raiffeisen Citibank HVB Group Commerz-bank

ABN AMRO

0,0%

2,0%

4,0%

6,0%

8,0%

10,0%

12,0%

2,661

1.5%

InternationalMoscow

Bank(HVB Group)

#8


12,0%

14,0%




50

Top 10 banks in Russia


1 Sberbank 51,528 29.1%

2 Vneshtorgbank 10,590 6.0%

3 Gazprom 9,021 5.1%

4 Alfa-Bank 4,867 2.8%

5 MDM-Bank 4,236 2.4%

6 Bank of Moscow 3,931 2.2%

7 Rosbank 3,574 2.0%

8 International Moscow Bank 2,661 1.5%

9 Promyshlenno-Stroitelny Bank 2,288 1.3%

10 UralSib Bank 2,201 1.2%

Total 94,897 53.7%



51

Top 5 in Ukraine

HVB Ukraine is ranked 13th.


Top banks

2,0381,643

1,469

787979

11.0%

8.8%7.9%

5.3%4.2%

Privatbank AVAL Bank Prominvestbank Ukrsotsbank Ukrsibbank

International banks

611

221145

82134

9.6%10.4%

15.9%

43.9%

5.9%

0

100

200

300

400

500

600

700

Raiffeisen ING, N.V.Amsterdam

Citibank HVB Group Others

0,0%

5,0%

10,0%

15,0%

20,0%

25,0%

30,0%

35,0%

40,0%


12,0%

14,0%




52

Top 10 banks in Ukraine


1 Privatbank 2,038 11.0%

2 AVAL Bank 1,643 8.8%

3 Prominvestbank 1,469 7.9%

4 Ukrsotsbank 979 5.3%

5 Ukrsibbank 787 4.2%

6 Ukreximbank 734 3.9%

7 Oshadbank 703 3.8%

8 Raiffeisenbank 611 3.3%

9 Nadrabank 539 2.9%

10 Brokbusinessbank 384 2.1%

Total 9,886 53.1%

HVB Ukraine is ranked 13th.



53

This comparison is based on a variety of different data which are not always complete and which do not always correspond to international accounting standards. Moreover, results will be/were published in individual countries only after this report was prepared. For this reason the data include estimates in some cases. Especially the size of competitor banks' units which are organised as "foreign branches" could partly not be ascertained or only estimated.

The comparison nonetheless gives a picture of the relative sizes and trends in the banking market in CEE.

Date post:	28-Dec-2015
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July 2005 BA-CA Comparison of Banks: International Banks in the New Europe 2004/2005.

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