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Basic Information

Komerční banka, a.s. ( “KB” or the “Bank”):

is the parent company of KB Group (the “Group”) and a member of the Société Générale Group
ranks among the leading banking institutions in the Czech Republic and in Central and Eastern Europe
is a universal bank providing a wide range of services in retail, corporate and investment banking
is accessible through KB’s branch network, its direct banking channels, and the subsidiaries’ own sales networks

Member companies of Komerční banka Group provide additional specialized financial services:

pension funds
building society schemes
factoring
consumer lending
insurance

All of the services are accessible through the dense network of KB branches, its own distribution network, and thanks to modern, on-line services, such as direct banking.

Service for corporate clients of Komerční banka is provided by two segments, usually according to annual turnover (sales) and number of products used.

Companies with turnover from CZK 60 million to 1500 million are generally served by the Corporate sales centers.

Clients with a higher turnover are usually served by the Top Corporations divisions, which are located in Prague, Brno and Bratislava.

Komerční banka in the Slovak Republic

provides its clients with services via a branch called “Komerční banka, a.s., pobočka zahraničnej banky”
is especially focused on large and medium-sized enterprises with a turnover of EUR 33 million or more
offers standard banking services, including:
- Cash Management
- Electronic banking
- Payment cards
- Financing
- Investment banking products
- Trade Finance, where KB holds the leading position in the Czech Republic.

The position of the KB branch in Slovakia is especially strong as it has the know-how of the parent KB and uses synergies within KB and SG Group, thanks to which it is able to provide its clients with comprehensive financial solutions.

An individual and personal approach and custom-made products, tailored to suit the requirements of the specific client, constitute an integral part of the offer of services. The KB branch in the Slovak Republic does not offer cash operations.

More detailed information is available at: www.koba.sk

Komerční banka and KB Group in 2010

In 2010, Komerční banka offered its services

to 1.59 million clients
via 395 branches
via 677 ATMs across the Czech Republic

The majority of customers also made use of internet, telephone and mobile phone banking channels.

Komerční banka’s branch network includes:

20 specialized business centers designed for medium enterprises and municipalities
4 centers dedicated to large corporations.

In 2010, services on the Slovak market were provided through the subsidiary Komerční banka Bratislava. Today, they are offered by KB’s own branch dedicated to serving corporate clients.

Modrá pyramida stavební spořitelna, a.s. (hereinafter “Modrá pyramida”) served 691,000 clients.

Penzijní fond KB had 501,000 participants registered in its pension schemes.

The number of active clients at the consumer finance company ESSOX rose to 316,000.

The average number of employees in KB Group was 8,619 during 2010.

As at the end of 2010, KB’s long-term credit ratings were as follows:

A1 in both foreign and domestic currency terms from Moody’s Investors Service
A from Standard & Poor’s
A from Fitch Ratings

Penzijní fond KB held a national scale rating of Aa1.cz from Moody’s Investors Service, which is the highest possible rating for a pension fund in the Czech Republic.

History

1990 - Komerční banka was established as a state institution
1992 - it was transformed into a joint-stock company. KB’s shares have been listed on the Prague Stock Exchange, as well as in the RM-System, since its inception.
1995 - Global depository receipts (GDRs) representing KB shares are traded on the London Stock Exchange.
2001 - the state’s 60% holding in Komerční banka was purchased by Société Générale. Following privatization, KB began significantly to develop its activities for individual customers and entrepreneurs, in addition to building on its traditionally strong position in the enterprises and municipalities market.
Komerční banka purchases the remaining 60% of shares in Modrá pyramida. Thereby, Komerční banka attained full control over the Czech Republic’s third largest building society and could expand its re tail activities.
31 December 2010 - KB was combined in a cross-border merger with Komerční banka Bratislava. Komerční banka became the successor bank and, as such, assumed all assets and liabilities of its former subsidiary and continued operations in Slovakia through a branch.

Société Générale Group

Komerční banka has been an important part of Societě Générale Group’s international retail banking since October 2001. Société Générale Group is one of the largest financial services groups in the euro zone. The Group’s three key businesses comprise:

Retail Banking, Specialised Financing & Insurance
Private Banking, Global Investment Management & Services
Corporate and Investment Banking

In 2010, some 157,000 employees of SG Group were serving 32 million clients in 83 countries.

SG Group’s net profit totaled EUR 3.92 billion for 2010.

Its Tier 1 ratio under Basel II standards stood at 10.6% at the end of 2010, of which the core Tier 1 ratio was 8.5%.

As of the same date, SG was rated Aa2 by Moody’s, A+ by Standard & Poor’s, and A+ by Fitch.

In 2001, Société Générale became the first publicly traded French bank to commit itself to the United Nations Environment Programme Finance Initiative’s Statement by Financial Institutions on the Environment and Sustainable Development.

A member since 2003, each year Société Générale Group renews its commitment to the United Nations Global Compact in the areas of human rights, labor standards, environment and anti-corruption.

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