Polish Leasing Association

Warsaw, October 2006

Leasing Market in Poland I – III Q 2006

2

Data collected from the following 31 companies:

• Bankowy Fundusz Leasingowy• BISE Atechnet Leasing• BNP Paribas Lease Group• BPH Leasing (HVB Group)• BRE Leasing (Commerzbank Group)• BZ WBK Leasing (AIB Group)• Caterpillar Financial Services Poland• DaimlerChrysler Services Leasing• Deutsche Leasing Polska• Europejski Fundusz Leasingowy

(Credit Agricole Group)• Fortis Lease Polska• Handlowy Leasing• IKB Leasing Polska• ING Lease (Polska) (ING Group)• Kredyt Lease• Masterlease Polska

• Millennium Leasing (Banco Commercial Portugues)

• 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• SGB-Trans-Leasing PTL• Siemens Finance• VB Leasing Polska (Volksbank

Group)• VFS Usługi Finansowe Polska• Volkswagen Leasing Polska

3

Analysis by type of asset – I-III quarter 2006

61,0%

32,3%

3,9%

2,0%

0,7%

Road transport vehiclesMachinery and industrial equipmentComputers and business machinesShips, Rail, AircraftsOther

4

Analysis by type of asset - I-III quarter in years 1999-2006

1. Road transport vehicles

2. Machinery and industrial equipment

3. Computers and business machines

4. Ships, Rail, Aircrafts

5. Other0

10

20

30

40

50

60

70

80

1 2 3 4 5

19992000200120022003200420052006

5

Share of leasing market (equipment) in I-III quarter 2006 (estimated total net value – PLN 13,4 mld PLN)

Millennium Leasing

6,2%

BZ WBK6,3%

Raiffeisen Leasing10,8%

BRE Leasing11,1%

EFL13,2%

Others28,8%Pekao Leasing

3,4%

Bankowy Fundusz

Leasingowy4,0%

SG Equipment Leasing

5,6%

VB Leasing5,6%

BPH Leasing5,0%

6

Estimated total net value of equipment leased in years 1997-2006(in million PLN)

8000 78006300

1228013400

9560

13820

75006000

4000

10500

0

2000

4000

6000

8000

10000

12000

14000

16000

1997 1998 1999 2000 2001 2002 2003 2004 2005 3 Q2005

3 Q2006

7

Share of road transport vehicles leasing market in I –III Q 2006 (estimated total net value - 8,2 mld PLN)

Bankowy Fundusz

Leasingowy3,9%

VB Leasing6,0%

BPH Leasing5,1%

BZ WBK6,3%

Pekao Leasing3,4%

VFS Usługi Finansowe

3,4%

Millennium Leasing

6,4%

BRE Leasing9,3%

Raiffeisen Leasing12,2%

Others28,2%

EFL15,9%

8

Estimated total net value of road transport vehicles leased in years 1997 - 2006 (in million PLN)

6110

81808850

350032002000

4500 4300 5100

7600

8800

0100020003000400050006000700080009000

10000

1997

1998

1999

2000

2001

2002

2003

2004

2005

3 Q 20

05

3 Q 20

06

9

Share of passenger cars leasing market in I-III Q 2006 (estimated total net value – 3 mld PLN)

EFL21%

Others17%

Raiffeisen Leasing

13%

BRE Leasing10%

Handlowy-Leasing

8%

Masterlease Polska

6%

Volkswagen Leasing

7%

Daimler-Chrysler Leasing

3%VB Leasing4%

BPH Leasing5%

BZ WBK6%

10

Estimated total net value of passanger cars leased in years1997 - 2006 (in million PLN)

600

1450

2800

1788

3013

25

700

4035175

300

500

1000

1500

2000

2500

3000

3500

11

Share of machinery and industrial equipment leasing market inI-III Q 2006

(estimated total net value 4,3 mld PLN)

Others28,4%

EFL10,0%

SG Equipment10,1%

Bankowy Fundusz

Leasingowy4,5%

BPH Leasing4,8%

BZ WBK7,4%

BRE Leasing7,5%

Raiffeisen Leasing9,6%

VB Leasing5,2%

Deutsche Leasing5,7%

Millennium Leasing

6,6%

12

Estimated total net value of machinery and industrial equipment leased in years 1997 – 2006 (in million PLN)

1900 2100 22001900

24502850

4260

2850

4324

2000

1200

0500

100015002000250030003500400045005000

1997 1998 1999 2000 2001 2002 2003 2004 2005 3 Q2005

3 Q2006

13

Share of computers and business machines leasing market in I-III Q 2006

(estimated total net value - 273 mln PLN)

SG Equipment20,9%

EFL13,9%

BPH Leasing9,3%

Raiffeisen Leasing

9,0%Fortis Lease

8,9%BRE Leasing

3,9%

Others22,6%

BNP Paribas2,4%

BZ WBK2,9%

VB Leasing 2,9%

Millennium Leasing

3,5%

14

Estimated total net value of computers and business machines leasedin years 1997 – 2006 (in million PLN)

330300

325

240273

310340

245

370 380340

050

100150

200250

300350

400

1997

1998

1999

2000

2001

2002

2003

2004

2005

3 Q 20

05

3 Q 20

06

15

Share of reale estate leasing market in I-III Q 2006(estimated total net value– 720 mln PLN)

EFL2%

Others0,4%

Pekao Leasing5%

Raiffeisen Leasing16%

Fortis Lease20%

BRE Leasing22%

ING Lease22%

BPH Leasing9%

Millennium Leasing4%

16

Estimated total net value of real estate leased in years 1997 – 2006 (in million PLN)

625

2460

822 720

1930

1200

1700

40

1000830

1350

0

500

1000

1500

2000

2500

3000

1997 1998 1999 2000 2001 2002 2003 2004 2005 3 Q2005

3 Q2006

17

Polish Leasing Association

• 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