Leasing Market in Poland IIII Q 2005 and

Leasing Market in Poland I-III Q 2005 and estimation 2005 Polish Leasing Association Warsaw, October 2005 Source: Polish Leasing Association

Data collected from the following 32 leasing companies: • • • • Bankowy Fundusz Leasingowy BEL Leasing BISE Atechnet Leasing BNP Paribas Lease Group BPH Leasing BRE Leasing BZ WBK Finance & Leasing Caterpillar Financial Services Poland Daimler. Chrysler Leasing Polska Deutsche Leasing Polska Europejski Fundusz Leasingowy Fidis Leasing Polska Fortis Lease Polska Futura Leasing Handlowy Leasing IKB Leasing Polska • • • • • ING Lease (Polska) Kopex Leasing Kredyt Lease NL Leasing Polska Noma 2 Nordea Finance Polska Orix Polska Pekao Leasing Raiffeisen Leasing Polska Renault Credit Polska Scania Finance Polska SG Equipment Leasing Polska Toyota Leasing Volksbank-Leasing Polska VFS Usługi Finansowe Polska Volkswagen Leasing Polska Watin Leasing & Finance Source: Polish Leasing Association 2

Analysis by type of asset - I-III quarter 2005 Source: Polish Leasing Association 3

Analysis by type of asset in years 1999 -2005 1. 2. 3. 4. 5. Road transport vehicles Machinery and industrial equipment Computers and business machines Railway, aircraft and ships Others equipment Source: Polish Leasing Association 4

Comparison of the value of particular types of leased equipment after 3 Q 2004 and 3 Q 2005 Market After 3 Q 2004 After 3 Q 2005 Change (%) Road transport vehicles 6480 6100 -5. 9% Machinery and industrial equipment 1880 2850 51, 5% Computers and business machines 220 240 9, 1% Railway, aircraft and ships 135 300 122% Others 165 60 -64% Equipment 8880 9550 7, 5% Source: Polish Leasing Association 5

Share of leasing market (equipment) – Top ten in I-III quarter 2005 Estimated total net value – PLN 9, 55 mld Source: Polish Leasing Association 6

Net value of equipment leased in 1997 -2005 (in million PLN) Source: Polish Leasing Association 7

Share of leasing market - road transport vehicles in I –III Q 2005 Estimated total net value PLN 6100 million Source: Polish Leasing Association 8

Estimated total net value of road transport vehicles leased in years 1997 - 2005 (in million PLN) Source: Polish Leasing Association 9

Share of leasing market - passenger cars Top ten in I-III Q 2005. Estimated total net value - PLN 1750 mln Source: Polish Leasing Association 10

Net value of passenger cars leased in years 1997 - 2005 (in million PLN) Source: Polish Leasing Association 11

Share of leasing market - machinery and industrial equipment Top ten in I-III Q 2005 - Estimated total net value PLN 2 850 mln Source: Polish Leasing Association 12

Net value of machinery and industrial equipment leased in years 1997 – 2005 (in million PLN) Source: Polish Leasing Association 13

Share of leasing market - computers and business machines Top ten in I-III Q 2005 - Total net value - PLN 240 million Source: Polish Leasing Association 14

Net value of computers and business machines leased in years 1997 -2005 (in million PLN) Source: Polish Leasing Association 15

Net value of real estate leased in years 1997 -2005 (in million PLN) Source: Polish Leasing Association 16

Polish Leasing Association • • • Witold Drożdż – Managing Director Rejtana Str. 17, Warsaw Phone: (+48 22) 542 41 36 Fax: (+48 22) 542 41 37 E-mail: zpl@leasing. org. pl www. leasing. org. pl Source: Polish Leasing Association 17