Financial Calendar

4-5 February 2008 - Euromoney 2nd Annual Securitisation in Russia and CIS Conference Moscow

10-13 March 2008 - ABSummit 2008 Geneva

13 March 2008 - Year Report as at 31 December 2007 - Country Results (CZ, SK, RU)

11 April 2008 - Vedomosti Conference "Loan Portfolio" Moscow

30 April 2008 - Year Report as at 31 December 2007 - Holding Results (NL)

24-26 June 2008 - 6th Annual Adam Smith Conferences' Russian Retail Banking Forum Moscow

9 July 2008 - Quarterly Report as at 31 March 2008 - Country Results (CZ, SK, RU)

28 August 2008 - Quarterly Report as at 30 June 2008 - Country Results (CZ, SK)

4 September 2008 - Quarterly Report as at 30 June 2008 - Country Results (RU)

30 September 2008 - Consolidated Half-year Report as at 30 June 2008 - Holding Results (NL)

27 November 2008 - Quarterly Report as at 30 September 2008 - Country Results (CZ, SK, RU)