Budapest, April 2009

Personally for youProfile of MKB Bank and MKB Group

2

Strong business activity in 2008

Sound capital base and safe liquidity Strategy for aiming stronger income generation by business diversification from 2005:

MKB Bank: boom of retail, small and medium size enterprises as well as money and

capital market business line; complete universality in Hungary: successful launch and

development of MKB Insurance Companies 3 countries, 219 branches, almost 1 million (880 thousand retail and 85 thousand

corporate) customers 80% increase of gross operating income in 3 years*

2nd largest domestic bank by equity, 4th largest by assets Hungarian market leader in project financing and factoring with over 20% market-share.

One of the largest player in lending to non-financial companies Largest net asset value growth and dynamic on the investment funds market in 2008**, 1.5%

growth of market share; 3rd place in guaranteed funds with 11.3% market share; 2nd in funds

denominated in USD (15.3% market share); 3rd in funds denominated in EUR (11.4% market

share) Major issuer of domestic bond market with 10.6% share; active on the international capital

market *** Strong expansion in private individual business: besides increasing market share in savings

0.6% market share growth in lending with focus on mortgage-covered loans, +111,000

customers since end-2005* IFRS consolidated**Among participants with over 1% market share***Prior to crisis

3

Our awards reflect our commitment to quality

Branchmarking Ltd: The most efficient branch network and call center: 2007, 2008 Liquid Real Estate (Euromoney): 1st in Financial Advisory services in Hungary in 2008 in the

combined category of „Commercial banking, real estate financing activity, Advisory and Consultancy Services”

Mastercard- Bank of the year: 3rd, The retail current account product of the year, Socially responsible bank of the year – 2008

Best strategic cooperation with civil organisations – Good CSR – 2008 Superbrands – again in 2008 (2007)

4*Note: early of 2009 appr. EUR 95.6 million capital increase by the strategic owner, BayernLB

Key figures of MKB Bank (audited, IFRS, non-consolidated, HUF billion )

*

The growth of business income was among the best in 2008 in Hungary (+16% gross operating income growth and 11.9 % increase in operating profit).

Provisioning prudently reflects the impacts of the adverse environment.

Sound capitalisation and safe liquidity.

2006 2007 2008

Total assets 1 843.3 2 236.9 2 656.6Customer loans 1 353.3 1 719.8 2 018.4Customer deposits 963.1 1 075.9 1 087.8Shareholders’ equity 178.8 210.8 216.8Gross operating income 74.9 83.7 97.0Operating profit 34.8 38.1 42.7Pre-tax profit 23.1 15.5 7.6Pre-tax return on average equity (ROAE) 18.6% 10.4% 4.6%Cost to income ratio (CIR) 53.6% 54.4% 56.0%Capital adequacy ratio (CAR-HAR) 9.5% 10.7% 9.7%Large corporate and institutional customers 3 028 3 060 3 100Medium size and small companies 35 220 37 080 40 210Private individuals 220 300 254 000 288 000Pension and Health Care Fund members 201 000 231 000 254 800Branches 67 74 81

5The members of the group are: MKB-Euroleasing car financing group; MKB Romexterra Bank, Romania; MKB Unionbank, Bulgaria

Key figures of MKB Group(audited, IFRS, consolidated, HUF billion)

Universality in Hungary with MKB Insurance Companies.

80% growth in gross operating income in 3 years.

Almost 1 million customers in 3 countries.

Sound capitalisation and safe liquidity.

2006 2007 2008Total assets 1992.4 2465.0 2885.4Customer loans 1457.5 1905.9 2292.5Customer deposits 1084.1 1247.1 1267.8Shareholders’s equity 193.1 214.0 229.2Gross operating income 80.5 103.8 120.4Operating profit 36.3 44.6 50.1Pre-tax profit 23.5 20.9 8.3Pre-tax return on average equity (ROAE) 15.5% 10.6% 3.3%Cost to income ratio (CIR) 54.9% 57.0% 58.4%Capital adequacy ratio (CAR) 11.8% 10.4% 10.8%Corporate and institutional customers 70 800 79 700 85 000Private Individuals 673 000 778 000 880 000ATM 276 290 330Branches 166 209 219

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Ownership structure

Rating**

Strategic owners with long-term commitment 1994: first privatised large bank in Central Eastern

Europe The main owner is BayernLB the 6th largest bank of

Germany by total assets, and 5th by equity (2008). Its total assets amounted to EUR 421.7 billion, equity and subordinated capital was EUR 23.1 billion at end-2008

The Bank's legal form is that of a "corporation established under public law“. The Free State of Bavaria holds ((indirectly via BayernLB Holding AG) 94% and the Association of Bavarian Savings Banks 6 % of the shares. Member of S-Finanzgruppe

2002, 2003, 2005, 2006, 2007 and 2008: total of EUR 376 M subordinated capital from BayernLB. EUR 95.6 M capital increase in 2009

MKB Bank is in investment category:Moody’s:

Bank Deposits -Fgn Curr: Baa1/P-2 Bank Deposits -Dom Curr: *A1/*P-1 Bank Financial Strength: C- Senior Unsecured/Subordinate: *A1/ A2 Other Short Term: *P-1 Outlook: *under possible downgrade

Ownership: strategic owner with long-term commitment

*IFRS, non-consolidated

**solicited rating, 22 APR 2009

Other: 10,38%

89,62%

Share Capital: HUF 14.1 bn* Shareholders’ Equity: HUF 216.8 bn*

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Large corporate and institutional customers: tailor-made services

9,1%

11,0%11,6%11,6%

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Corporate loans – market share

Corporate deposits – market share

Large corporate customers: 3,100 large corporate and institutional customers. It is one

of the largest in financing non-financial companies,

major bank in corporate payments turnover. Loans to large corporate, project and institutional customers

reached HUF 916.4 billion at the end of 2008 and their

deposits grew to HUF 265.5 billion. Full range of products, complex services to domestic blue

chip, large corporate customers and subsidiaries of

multinational customers. Intense cooperation of customer relationship and product

support areas ensure tailor-made services fit to clients’

needs. Personal services in Budapest and the countryside by

dedicated relationship managers. Senior experts provide industry coverage and product

competence . Professional offer of full range of retail and treasury

products.

Institutional customers One of the leading banks in servicing insurance companies Foundations, non-profit segment Professional chambers, solicitors, professional

organisations, etc. Specific products for local municipalities

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Upper mid-market companies At end-2008 the deposits reached HUF 117.1 billion, while loans amounted to HUF 322.8 billion Selected range of products, tailor-made services Selective business growth based on bank payment turnover by the intensification of funds

acquision Focus on trade finance and factoring Considerable demand for project financing

Lower mid-market companies At end-2008 loans reached HUF 331.8 billion and the deposits amounted to HUF 169.2 billion Standardised sales, standard range of products and streamlined credit approval processes as of

2009 Quicker customer services Primary focus is on payments, accounts and deposits on top of risk consolidation and monitoring

of the existing portfolio

Project financing- Market share 2008

MKB: 27%

Factoring -Market share 2008

MKB: 26%

Project financing/ Mid-market customers: renewed business models

Mid-market companies Number of customers: 11,100 Focus is on the suppliers of multinational companies, export oriented, regionally active mid-markets

and domestic companies with growth potential and perspective New segmentation from market and risk management aspect Wide range of preferential state-subsidized and EU loans Market leader position in factoring Equipment leasing, trade finance

Project financing Number of customers: 620, loans amounted to HUF 720 billion at end-2008 Market leader in project, real estate financing since 1995 (received the „Best commercial bank in

Hungary” award of Euromoney Liquid Real Estate in 2008) Major player in different project segments: offices, residential, commercial real estate,

telecommunication, energy, infrastructure, PPP projects Shift towards the ’arrange and sell’ business model from 2008 Cooperation with BayernLB

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Products and Services for Corporate and Institutional Customers

HUF and FX accounts HUF and FX deposits HUF and FX loans Business cards Payment services (cash pool,

documentary transactions, transfers, issue of L/Cs, collections, guarantees)

Discounting of bills, L/Cs Teller, bulk cash and safe

services Money market and risk-

management products and services

Export, import, cross border and domestic factoring

Vehicle leasing and fleet management

Asset leasing Project finance and structured

finance including PPP types

State subsidised lending products

MKB EU program

Securities accounts

Securities trading

MKB and BayernLB Lux investment funds

Portfolio management and custody services

MKB Pension Fund

MKB Health Care Fund

MKB Insurance companies

Financial and investment advisory

Securities programs: IPO’s, LBOs, MBOs

Acquisition finance

Property trading and management

Real-estate valuation and assessment

Trade Finance

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Small companies: renewed business model as of 2009

In strategic focus since 2007; clients up to HUF 250 million

net annual sales, served with standardized products

The number of customers reached 29,150 at end-2008

The accounts and deposits of small companies reached HUF

94 billion by the end of 2008, loans exceeded HUF 32 billion

Full-service at every branch via dedicated small company-

and financial advisors

Renewed small company product range; competitive

specific account packages and loan products

Active role in state-subsidized products

Wide range of cooperation agreements with different

professional and entrepreneur organisations, professional

chambers, property appraisers

Special focus given to electronic banking: over 14,000

small companies use the NetBANKer service

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For start-up micro companies with scarce capital and low bank turnover

HUF account keeping and wide range of related services for low fix monthly fee

Outstanding sight interest, if the account holder has a specified service package as a private individual

Free of charge cash pay-in

Free of charge NetBANKer service

Small company service packages: from start-ups to professionals

For start-up customers, but with considerable account turnover preferring internet communication and internet banking

Elektronikus Flotta

For our customers with extended business relationship preferring internet banking

Account keeping for a low monthly fee

Free of charge electronic banking services necessary for the operation of the enterprise

Preferential electronic transaction fees

Electronic services

Basic banking, payment services

To whom?

HUF account keeping at preferential monthly fee and one foreign currency account or PCBANKer service free of charge

All payments are free within the bank

Preferential electronic transaction fees

Nova

Suitable for the reduction of the banking costs of small companies with stable operation

Account keeping fee is reduced by usable turnover commission

Up to 13 free electronic banking payment transfer transactions outside the bank

In case of paper based banking up to 6 free of charge payment transactions within the

bank

Free of charge NetBANKer service and NetBANKer Business at preferential conditions

Free of charge electronic services necessary for the operation of the enterprise

Dinamika

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Our loans suits to as many companies as possible in the small company sector:

MKB small company loans: Fit and Fast

We offer our loans with different conditions and possibilities. 1x1 Overdraft is advantageous for enterprises needing fast and flexible help in terms of financing requirements due to temporary cash-flow and current asset fluctuations as this facility can be simply applied for without a material collateral up to 10% of the net sales, max, HUF 15,000,000,

If the enterprise needs higher overdraft facility it can use 1x1 Overdraft Plus product with Garantiqa Hitelgarancia Zrt guarantee, and the requested amount can reach 25% of the net sales, but max, HUF 25,000,000,

If the company needs working capital to cover its inventory and material needs we recommend 1x1 Working capital loan. The credit facility, which depends on the size of the collateral may reach HUF 50,000,000 can be HUF or EUR based, utilised freely during the tenor, however it has to be partially repaid twice a year.

For the purchase of real estates the best is 1x1 Investment Loan, the repayment of which does not have to be started immediately, it is possible to choose a grace period depending on the tenor of the loan. To finance larger expenses or replace other bank loan 1x1 Free Utilisation Mortgage Loan is the best, in case of which the entrepreneur can also have a grace period. In case of these two products the maximum requested loan amount – depending on the value of the real estate – can be up to HUF 125,000,000.

In addition to these loans Széchenyi Card 2 construction can also be applied for at MKB Bank.

Our 1x1 Loan with Deposit Security can be suitable for free use or the replacement of owner’s loan, in case of a security placed by private individual up to HUF 250 million loan can be provided.

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Savings of households – market share

Personally for you – differentiated value proposition

and service level to each customer segment

286,000 customers; targeted clientele: affluent customers

with asset and income potential higher than average

Savings from households (deposit+bond+funds) grew to

HUF 523 billion in 2008

Near 200,000 retail bankcards at end-2008

Service packages to segments: focus is on the young

generation (Caring, Student Career packages with

preferential conditions, Baby bond), outstanding financial

services: Exclusive package; financial peace of the

silver years: Pensioner package

Wide range of savings and investment opportunities

according to risk-appetite; Focus on standard and

campaign term deposits

Electronic channels: NetBANKer, NetBROKer,

TeleBANKer, MobilBanker

81 branches, ATM, Portal, Retail newsletter

0,4%0,5%0,6%0,7%0,8%1,3%

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Retail loans – market share

5,4% 5,4% 5,4% 5,3% 5,2%5,5% 5,5% 5,6% 5,7% 5,7% 5,8% 5,7%

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Retail customers (1): quality personal services

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The lending products of MKB Bank offer flexibility for clients, the Bank is the expert of mortgage loans

Fast processes, credit products for every client needs In 2008 the market share of MKB Bank in new deals was over 10%;

the loan portfolio of private individuals grew to HUF 464.5 billion

Products: Overdraft Deposit and security collateralised loans Personal loan (HUF, EUR) Loan for Pension Fund members Credit cards (24,700 cards)

Credit cards issued by MKB Bank Co-branded credit cards: T-Mobile, Lufthansa, WestEnd

Wide range of housing and private loans – at end-2008 HUF and EUR denominated loans Értékmegőrző combined loan – insurance product MKB-Fundamenta Housing and Private Loan Programme Hitelcsúcs – attractive LTV’s Full range of housing loans with preferential conditions

(state subsidy) Housing loans for any housing purpose (bridge, expansion,

modernisation, purchase of new and second hand house construction, etc.)

Real estate loans – other than home purpose (e.g. holiday resort)

Retail customers (2): MKB Bank: the mortgage lending specialist

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Products and services for Private Individuals

HUF and FX accounts

Account packages (Exclusive, Student, Career)

Term deposits

MKB bonds

‘Kivételes’ account

Savings account

Money market deposit

MKB ‘Hozamsuli’ (deposit+bond+investment fund)

Baby-bond

All type of payment orders

Debit cards (VISA, MasterCard)

Credit cards (VISA and MasterCard)

Co-branded Credit Cards (T-Mobile, Lufthansa, WestEnd)

Overdraft Margin lending

Bridging loan to pension fund members

MKB Housing loans and Home Equity loan (HUF, EUR)

Personal loan (HUF, EUR)

Distribution of MKB Investment funds

Government securities and equity sales

Capital and securities accounts

Cheques (issue, purchase, trading of traveller cheques)

MKB TeleBANKer

MKB MobilBANKer

MKB NetBANKer

Safe services

MKB Pension Funds

MKB Insurance products

MKB Health Care Fund

MKB Account for retirement savings

Car and utility vehicle financing (MKB-Euroleasing Ltd.)

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MKB Bank launched its Private Banking business line in 2003 We provide private individuals and companies with:

Complex financial service Portfolio management Investment advisory Financial planning Account keeping

based on their individual demand via dedicated private

bankers Switzerland- and Luxemburg based portfolio management

and account keeping due to cooperation agreements The minimum entry requirement is HUF 50 million financial

savings to be invested in freely At the end of 2008 the business line managed HUF 135 billion

assets of 1,017 customers (2007: HUF 90 billion). Asset managed per client exceeds HUF 130M; outstanding on

the Hungarian market Headquartered in the very heart of Budapest, Private

Banking operates with a network of local private bankers in

10 large countryside cities on top of Budapest and its

surrounding The complete retail, wholesale and investment services product

range of MKB Bank is available for PB clients

Private Banking: emerges rapidly at MKB Bank

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Market share of MKB investment funds

0,9%1,4% 1,5%

2,2%

2,9%

4,0%

5,1%

3,7%

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6,0%

2005h1 2005h2 2006h1 2006h2 2007h1 2007h2 2008h1 2008h2

Investment funds:

The increase of MKB investment funds assets and the products

range is a strategic target

NAV grew by 5% to HUF 119.6 billion. MKB was the only major fund

manager, which could increase its portfolio in the sector shrank by

about 25%

Introduction of 10 new products in 2008, 33 funds in total

Corporate treasury and risk management products: One of the 10 largest participants in FX trade; short term liquidity and interest risk management Active sale of interest and exchange rate risk products (futures, option and structured products)Securities trading and own issues: MKB Bank is one of the main primary dealers of Hungarian government bonds and active primarily in OTC trading of

securities (and BÉT- Budapest Stock Exchange). Major market participant in domestic public issues, renewed its domestic public issue programme in 2008. The total face

value of the 13 MKB bonds series amounted to HUF 104.3 billion in 2008; innovative, structured products primarily for retail secondly for corporate and institutional customers; FHB mortgage bond trading, Diákhitel Központ Zrt, bond trading.

Traditionally active international capital market presence, EMTN as of 2004, programme of EUR 3 billion as of 2007 with international rating.

Asset and portfolio management: Asset portfolio managed for institutional and retail customers amounted to HUF 151.8 billion at the end of 2008, (4.4%

market share) Main customers: MKB Pension Fund, other pension and health care funds, municipalities, companies, foundations, private

individualsCustody management: The management of HUF 1,227 billion assets at the end of 2008 primarily for institutional customers (insurance companies,

pension funds, etc.). MKB Bank is a major player.

Money and capital markets: continuously expanding range of products in line with customer demands

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Comprehensive, universal financial services through main domestic strategic partners/subsidiaries

MKBPension

Fund

MKBHealth Fund

MKB Insurance Companies

Strategic business for MKB Bank, the bank provides stable, long-term background and support to the Fund

146,000 members, HUF 121 billion assets at end-2008 The 4th largest voluntary pension fund in Hungary. 11.2% market share in 2008 Per capita assets are considerably higher than the market average by 40.8% in the

voluntary scheme and by 82% in the compulsory www,mkbnyp,hu

Launched in 2003, strategic business line 108,800 members. 13.2% market share, it became the 2nd largest in 2008 The assets amounted to HUF 6.9 billion at end-2008 Expanding partnership: 8,600 contracted health service provider, 2,850 corporate and

institutional employers 120,000 issued cards to be used at 4,545 service points www,mkbep,hu

Jointly with BayernLB and the S-Finanz Group member Versicherungskammer Bayern MKB established non-life and life insurance companies being operative from October 2007

The number of customers of the two Insurers exceeded 12,000 at end-2008 In 2008 a number of new life and non-life insurance products were launched:

MKB Family Home Insurance , MKB Multi-protection asset insurance, KGFB, Casco Life insurances: MKB Kincstár, MKB Életrevaló, MKB Védőháló, MKB Értékmegőrző

By the foundation of the Insurance Companies the universality of the bank group in Hungary became comprehensive. MKB Bank provides ‘one-stop-shop’ service

www,mkbb,hu

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Company group

Services

Buyer and dealerfinancing

Fleet financing

Trade

Strategic partnership since 2001 – MKB Bank owns 50% of MKB-EUROLEASING Group. Major market position. 2nd largest in new car financing volumes with 12.5% market share

49% share in joint venture with Toyota (Toyota Finance Hungary Ltd), unique cooperation scheme in the Toyota world

Back office service for Toyota Finance Hungary and PSA Hungary 60,000 retail, 600 fleet customers www,autohitel,hu, www,euroleasing,hu, www,gyorshitel,hu, www,netrisk,hu,

www,hasznaltautok,hu, www,autocity,hu – portals operated by MKB-Euroleasing

Complex and uniquely integrated financial and auxiliary services by the companies of the group Full range of services in car trade and fleet management (car and dealer finance, service, car

trade, insurance brokerage, fleet financing)

MKB-Euroleasing Car FinancingThe financing of over 26,000 new cars in 2008New lending of HUF 66 billion, 4th position, within it 2nd position in the market of new

cars

MKB-Euroleasing Fleet ManagementTarget: market leader position, No2 in the managed only but not financed fleet management

segment; 6.9% market share in fleet financingManaged cars: 7,800 for 600 customers

Insurance Brokerage

MKB-Euroleasing Car Trade12,000 cars sold in 2008, increasing volume20 sales points, 11 brands, several used car lots

Nr. 1. in traditional and internet insurance brokerage with a total of 416,000 customers Traditional insurance brokerage for cars is provided by the market leader Eurorisk Kft, the

internet brokerage is provided by market leader Netrisk Kft. Altogether 244,000 casco and mandatory motor liability insurances were realised in 2008.

Domestic strategic partners/subsidiaries (2):MKB-Euroleasing Group – uniquely complex services

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81 branches by the end of 2008 : 24 in Budapest, 8 in the agglomeration, 49 in the countryside

Regional competence centres with corporate-, money and capital market product specialists and private bankers

Local decision-making provides flexibility Most efficient branch network in 2007, 2008 -

according to Branchmarking Ltd,

Domestic branch network of MKB Bank: personal service with nationwide coverage

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Alternative sales channels: expanding secured services

Electronic banking service

PC Banker, Multicash - Online account and transaction services

Used by 15,700 corporate customers at end-2008

Over 80% of the payment transfers is performed electronically

MKB-TeleBANKer

Call Center of MKB Bank – 24 hours service for the entire clientele

most efficient call-center by Branchmarking Ltd.

15,000 corporate (35%), 137,000 retail (48%) customers

Direct contact with our colleagues or automated services

84 own ATMs The availability of over 4,400 further ATMs in the country

MKB-NetBANKer

Over 106,000 retail and 30,000 corporate customers, dynamic growth NetBroker service was launched – trading of MKB investment funds and own

issued bonds Accounts, payment transfers, savings transactions and investment services,

credit related information

MKB-MobilBANKer Bankcard transactions, balance; continuous development of the service

SMS service about payment transactions, new products, campaigns

External sales partner network

850 selected quality agencies, sales force of 1,600

Sales to SME and retail customers

Account products, deposit and savings products, loan products, electronic services, sale of guarantees and letters of credit

ATM

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Overview: Established in 1993 Current ownership structure:

60% MKB Bank 34% Union Group OOD (previous

majority owner) 6% EBRD

Universal bank with considerable experience in financing of small and medium size enterprises.

Sales channels Branch network of 58 units covers

Bulgaria. Extension of bankcard acceptance network. Focus on the deepening of existing customer

relationships, strengthen cross-selling. Emerging of alternative sales channels:

Continuous improvement of the quality of the internet banking service,

Development of mobile banking services, Implementation of complete Call Centre

services in the medium term, Expansion of the external sales network.

Business activity Number of corporate customers reached

1,213 (large and medium size), the number of retail customers (private individuals and micro companies) amounted to 76,570 at the end of 2008.

Loans grew by 50%, while deposits grew by 21.5%. The pre-tax profit of the Bank exceeded the 2007’ level by 72%.

In 2009 emphasis is on the prudent increase of lending and more intensive acquisition of customer deposits. The maintenance of the currently excellent portfolio quality is also priority.

MKB Unionbank - Bulgaria

MKB Unionbank 2007 2008IFRS, million EURTotal assets 524.7 784.8 Customer loans 371.2 559.8 Customer deposits 360.1 437.6Equity 48.7 65.6Pre-tax profit 4.3 7.4

Pre-tax ROAE 7.9% 12.6%Pre-tax ROAA 1.0% 1.3%Cost to income ratio (CIR) 72.1% 60.8%Capital adequacy ratio 15.1% 13.8%Number of employees 722 767

Market sharesTotal assets 1.74% 2.21% Corporate loans 2.53% 2.77% Corporate deposits 2.39% 2.86% Retail loans 0.91% 1.23% Retail deposits 1.21% 1.34%EUR/BGN exchange rate: 1.95583 (2007 and 2008)

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Overview: Established in 1993 Current ownership structure:

80.48% MKB Bank 19.52% other companies and private individuals

Universal bank with basically retail banking profile.

Leasing activity in a separate company.

Business activity The number of retail customers was 228,629 the

number of corporate customers was 14,121 at the end of 2008.

Total assets of the bank grew by 50% in 2008, however due to the deterioration of the portfolio quality owing to some products and customer segments the bank generated loss in 2008.

In 2009 the main emphasis is on the improvement of the portfolio quality, attraction of customer funds and widening of product range.

Sales channels The bank is present in every region of the

country, the coverage increased further2008: 80 branches (2007: 76 branches)

Emerging alternative sales channels:Widening the range of internet and mobile bank services, further development of their quality,

Introduction of complete Call Center services,

Establishing external sales agent relationships,

MKB Romexterra Bank - Romania

MKB Romexterra Bank 2007 2008IFRS, million EURTotal assets 550.3 727.9Customer loans 336.2 458.7 Customer deposits 327.2 280.4Equity 63.2 47.0Pre-tax profit 3.7 (14.5)

Pre-tax ROAE 6.2% -Pre-tax ROAA 0.8% -Cost to income ratio (CIR) 78.8% 90.0%Capital adequacy ratio 14.0% 9.79%Number of employees 867 1 037

Market sharesTotal assets 0.77% 0.87% Corporate loans 1.13% 1.34% Corporate deposits 1.40% 1.11% Retail loans 0.60% 0.55% Retail deposits 0.60% 0.54%EURRON exchange rate: 3.6077 (2007) and 3.9852 ( 2008)

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Arts: MKB Bank has a large collection of fine arts containing

a number of outstanding Hungarian artists’ works of the 19th and 20th century.

Long-term cooperation with a number of museums (Museum of Fine Arts, National Gallery).

Long-term support of Liszt Ferenc Chamber Orchestra.

Social responsibility

Charity activities: Cooperation with the International

Children‘s Safety Service; MKB scholarships to talented and socially dependent children

Support to a number of hospitals, schools, foundations.

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Kayak-canoe AssociationKayak-canoe is No. 1 Olympic sport of Hungary

HandballMKB-Veszprém handball team; 16 times Hungarian champion, EHF Cup Winners’ winner in 2008.

BasketballMKB-Euroleasing Sopron basketball team. Champion team in 2008 for third time, Hungarian Cup winner in 2008

Sports sponsorships – Long-term cooperation in Winning Spirit

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MKB BANK ZRT.1056 Budapest, Váci utca 38.Budapest H-1821MKB TeleBANKár: 06 1 373 333

06 40 333 666Swift: MKKB HU HBInternet: www,mkb,huE-mail: exterbank@mkb,hu

THANK YOU FOR YOUR ATTENTION!