1/35
Introduction
2/35
Disclaimer
3/35
Table of Contents - Executive Summary
4/35
Executive Summary FY 2016
5/35
Financial Highlights FY 2016
6/35
Development of Financial Ratios in FY 2016
7/35
Distribution of Profit after Tax
8/35
Transformation Program Summary
9/35
Merger: Key Objectives of Transformation
10/35
Merger: New Shareholder Structure of Combined Bank
11/35
Management Board after the merger
12/35
Macro Outlook
13/35
Combined Bank: Outlook and Targets
14/35
Growing in Selected CEE Markets
15/35
Rightsizing in Poland
16/35
Russia: Benefiting from our Strong Position
17/35
Table of Contents - Financials
18/35
RBI: Overview of Key Financials
19/35
Regulatory Capital Overview
20/35
Capital Ratios well obove requirements
21/35
Combined Bank: New Segments
22/35
Combined Bank: Financial by Segments
23/35
Combined Bank: Pro Forma Key Financials
24/35
RZB: Contributed Business - Detailed
25/35
Combined Bank: Balance Sheet Overview
26/35
Combined Bank: Capitalization Levels
27/35
Combined Bank: Funding Overview
28/35
Table of Contents - Risk Management
29/35
RBI: NPL Development
30/35
RBI: Provisioning
31/35
Combined Bank: Portfolio Overview
32/35
RBI/Combined Bank: RWA Overview
33/35
Combined Bank: Key Risk Ratios
34/35
Table of Contents - Country Overview
35/35
Q&A