TATA Interactive Systems GmbH Universal Banking BANKING SIMULATION

Copyright (c) 2007 by TATA Interactive Systems Bank 2 IGC Bank Period 1 Seminar: Grupa2 Date 10.12.2011

1. BALANCE SHEET
prev. period 987 0 prev. period

ASSETS Liquidity Money market instruments Due from banks on demand at term Due from customers secured by mortgage secured by other collateral unsecured Mortgage claims at variable interest rate at fixed interest rate Securities trading portfolio Domestic shares Foreign shares Domestic bonds Foreign bonds Holdings Physical assets Other physical assets Other assets Annual net loss TOTAL ASSETS

Period 2141 0

LIABILITIES Due to banks on demand of which bridging credit at term Due to customers savings accounts personal accounts

Period

630 0 7350

693 0 8085

1500 6500

1500 7500

11570 3823

12264 4040

3205 8922 10049

3267 9088 10266

on demand at term Medium-term notes

2814 7965 5316 2100 0 260 1000 250 1150

2974 8443 5635 2100 0 269 1000 250 1255

3898 8576

3947 8723

Long-term bonds of which subordinated Valuation adjustments and provisions Share capital Legal reserves Other reserves

0 0 0 0 0 96 100 500 0 44333

0 0 0 0 0 87 140 500 0 47159

Annual net profit TOTAL LIABILITIES

105 44333

150 47159

SUMMARY OF Mortgage claims Issue Period Issue Period Issue Period Issue Period Issue Period

at fixed interest rate -3 -2 -1 0 1 TOTAL

Volume M. EUR 1500 975 1246 1521 3481 8723 Volume M. EUR 1031 1320 855 1241 1188 TOTAL 5635 Volume M. EUR 300 400 300 500 600 0 0 2100

Payment due date in Period 2 3 4 5 6 Payment due date in Period 2 3 4 5 6

Interest % 7.00 7.25 6.00 7.39 6.72 6.84 Interest % 4.50 5.00 5.25 5.75 5.00 5.11 Interest % 5.00 5.75 6.25 6.50 7.00 0.00 0.00 6.25 Interest subordinated % 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

SUMMARY OF Medium-term notes Issue Period -3 Issue Period -2 Issue Period -1 Issue Period 0 Issue Period 1

LONG-TERM DEBT FINANCING Issues Long-term bonds Issue Period Issue Period Issue Period Issue Period Issue Period Issue Period Issue Period -5 -4 -3 -2 -1 0 1 TOTAL

of which Payment due subordinated date in Period M. EUR 5 0 6 0 7 0 8 0 9 0 0 0 0 0 0