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Nova KBM Presentation December 2010 Nova KBM Presentation December 2010

Overview of presenters Andrej Plos Member of the Board Marec 2010 2 December 2010 Overview of presenters Andrej Plos Member of the Board Marec 2010 2 December 2010 2

Agenda I. Nova KBM’ s Highlights II. Financial Performance of Nova KBM Group III. Agenda I. Nova KBM’ s Highlights II. Financial Performance of Nova KBM Group III. Financial Performance of Nova KBM IV. Strategy of Nova KBM Group Wrap-up and conclusions Q&A Marec 2010 3 December 2010 3

Overview of the Slovenian economy Real GDP growth (UMAR forecast) § Present-day Slovenia was Overview of the Slovenian economy Real GDP growth (UMAR forecast) § Present-day Slovenia was formed in 1991 upon achieving its independence from Yugoslavia § Joined the EU in 2004 § First of the 2004 EU entrants to adopt the Euro on 1 January 2007 § Slovenia's trade is oriented towards EU countries, mainly Germany, Austria, Italy and France, as well as to other former Yugoslav Republics Inflation (UMAR forecast) § Slovenia long-term credit ratings: Moody’s Aa 2 (Stable), S&P AA (Stable), Fitch AA (Stable) § 2009: Real GDP - 8. 1% and GDP per capita of € 17, 092, Inflation 0. 9% § European Commission forecast for 2010: GDP 1. 1 % and inflation 1. 5% Marec 2010 4 December 2010 4

Nova KBM’s highlights Leading market position in Slovenia § Second largest banking group (NKBM+PBS) Nova KBM’s highlights Leading market position in Slovenia § Second largest banking group (NKBM+PBS) in Slovenia by assets, loans and deposits with market shares of 9. 4%, 10. 1% and 12. 8% respectively (as at 30. 9. 2010) – Largest bank in the Podravska (Maribor) and Goriška (Nova Gorica) regions by number of branches – Well-positioned in the SME and sole proprietor segments of the market § Recognized and trusted brand name Extensive distribution network § 89 Nova KBM branded branches in the country § Access to approximately 550 post office branches through Poštna Banka Slovenije (“PBS”), a subsidiary of Nova KBM (NKBM owns 55. 0% of PBS) § Extensive network of 275 ATMs and 4. 275 POS terminals § Access to clients in other former Yugoslav Republics through Adria Bank, a Vienna-based subsidiary (Nova KBM owns 50. 54% of Adria Bank) Attractive funding structure § Customer deposits as main source of funding § Stable deposit base (retail deposits represented 68. 1% of liabilities as at 30. 9. 2010) Significant potential for crossselling § Extensive range of banking and non-banking products and services being offered – Demand for non-bank financial services is expected to increase significantly in Slovenia – Substantial retail deposit base, with scope to leverage customer base to increase cross-selling Good financial performance § Growth in loans and deposits has led to a consistent increase in the domestic market share § Good operating efficiency with cost / average assets ratio of 1. 76% at 30. 9. 2010 Strong Government support and committed management team § Strong shareholder support being one of the only two banks in which the Republic of Slovenia holds a direct shareholding § Stable and experienced management team with senior management having been with Nova KBM for more than 10 years of track record at Nova KBM Marec 2010 5 December 2010 5

Nova KBM’s highlights Tradition & Experience § First predecessor in operation since 1862 § Nova KBM’s highlights Tradition & Experience § First predecessor in operation since 1862 § Over the period 1978 -93 formed part of Ljubljanska Banka Group § Subsequently underwent a rehabilitation program which was successfully completed in 1997 Business Lines § § Customer Base § NKBM has c. 360, 000 retail clients and 10, 000 corporate clients § More than 700, 000 retail deposit accounts opened with NKBM and PBS Subsidiaries and Affiliates § PBS provides access to more than 550 post office locations § Zavarovalnica Maribor (“ZM”), third largest composite insurer in Slovenia § Adria Bank, Austrian corporate banking subsidiary, provides access to other former Yugoslav republics, namely Croatia and Serbia § Credy bank 51 branches in Serbia § Other subsidiaries operating in leasing, asset management and pension fund management Shareholder § The Republic of Slovenia directly owns 41. 5% of the share capital of NKBM – The State-controlled Capital Fund and Slovenian Restitution Fund each hold a 4. 8% shareholdings § The first IPO in Slovenia (Nov 19 – 27 2007), benchmark for the industry and capital market § Successful capital increase carried out in 2008 (Sep 24 – Oct 8 2008) § Shares quoted among prime market shares since 11. 6. 2009 Awards § Bank of the year in Slovenia (The Banker) § The Best IPO Award (East Capital, October 2008), § Best Communication award (PRSS, October 2008) Retail banking, including sole proprietors Corporate banking Financial markets Non-banking financial services (insurance, asset management, leasing) 6 December 2010

Nova KBM Group presence in the region CZ DE § 10 Group members with Nova KBM Group presence in the region CZ DE § 10 Group members with headquarters in Slovenia AT § 4 Group members with headquarters in Austria, Serbia and in Croatia § Indirectly present in the Slovak Republic, the Czech Republic, Hungary, Montenegro and the Republic of Macedonia SK HU HR Bi. H § Business expansion primarily focused on the Republic of Serbia and SE Europe IT RS MNE AL 7 December 2010

In accordance with market … Data as at 30 Sept. 2010 Value at IPO In accordance with market … Data as at 30 Sept. 2010 Value at IPO date Share price 10. 35 EUR 27. 00 EUR Market cap 269. 9 mio EUR 630. 7 mio EUR 0. 70 x 2. 12 x Book value 14. 74 EUR 12. 7 EUR Average daily volume 31, 000 EUR P/BV Shareholders nr. 101, 015 109, 582 Source: Bloomberg 8 December 2010

Ownership of Nova KBM Breakdown by number of shareholders 7 Dec 2007 Retail investors Ownership of Nova KBM Breakdown by number of shareholders 7 Dec 2007 Retail investors 31 Dec 2008 30 Sep 2010 % shares 101, 273 99, 805 23. 4% 1, 324 Domestic institucional investors 108, 183 1, 160 1, 091 68. 3% 75 98 119 Ratings Moody's Investors Service (rating September 2010) Long-term Bank Deposit Rating: Baa 1 Short term risk: P-2 Outlook: negative 8. 3% Foreign investors Ownership Structure as at 30 Sept. 2010 23. 4% - retail investors 41. 5% - Republic of Slovenia 19. 3% - other institucional investors 1. 2% - NFD 1 4. 8% - KAD d. d. 1. 2% - Triglav steber 1 1. 7% -East Capital Fitch Ratings (rating March 2010) Long-term Bank Deposit Rating : AShort term risk : F 2 Outlook: stable Capital adequacy as at 30 Sept. 2010 Nova KBM (total capital) Nova KBM (Tier 1) Nova KBM (Core Tier 1) 10. 22% 7. 75% 7. 12% Nova KBM Group (total capital) Nova KBM Group (Tier 1) Nova KBM Group (Core Tier 1) 11. 06% 8. 13% 7. 61% 4. 8% - SOD d. d. 1. 8% - KD Galileo 9 December 2010

Financial performance of the Group December 2010 Financial performance of the Group December 2010

Members of the Nova KBM Group 30. 9. 2010 NOVA KBM Group Total assets Members of the Nova KBM Group 30. 9. 2010 NOVA KBM Group Total assets 5, 889. 5 mio EUR Net profit: 20. 3 mio EUR Nr. of employees 3, 228 ROAE: 8. 10% ROAA: 0. 61% BANKING (83. 8% assets) Nr. of outlets: appx. 690 Nr of employees: 2, 226 ROAE: 4. 56% ROAA: 0. 36% INSURANCE (10. 6% assets) Nr. of outlets: 10 Nr of employees : 898 ROAE: 19. 84% ROAA: 1. 99% FUND AND PENSION FUND MANAGEMENT (1. 8%assets) Nr of employees : 42 ROAE: 13. 26% ROAA: 1. 56% Nova KBM d. d. Total assets: 4, 810. 2 mio € Net profit: 13. 8 mio € ROE: 4. 91% ROA: 0. 38% Zavarovalnica Maribor d. d. 49. 96% ownership Total assets: 749. 4 mio € Net profit: 10. 6 mio € ROE: 19. 84% ROA: 1. 99% KBM Infond d. o. o. 72% ownership Total assets: 9. 5 mio € Net profit: 0. 8 mio € Assets under man: 212. 4 mio € ROE: 12. 17% ROA: 9. 56% PBS d. d. 55. 00% ownership Total asssets: 820. 0 mio € Net profit: 4. 0 mio € ROE: 13. 15% ROA: 0. 66% LEASING REAL ESTATE AND OTHER SERVICES (3. 8% assets) Nr. of employees: 60 ROAE: -16. 4% ROAA: -0. 74% Adria bank AG 50. 54% ownership Total assets: 219. 2 mio € Net profit: 3. 4 mio € ROE: 11. 59% ROA: 2. 02% KBM Fineko d. o. o. 100% ownership Total assets: 2. 5 mio € Net profit: 0. 3 mio € ROE: 19. 07% ROA: 12. 96% Gorica Leasing d. o. o. 100% ownership Total assets: 92. 7 mio € Net loss: -0. 7 mio € ROE: -24. 36% ROA: -1. 01% KBM Invest d. o. o. 100% ownership Total asstes: 46. 9 mio € Net profit: 0. 03 mio € ROE: 0. 75% ROA: 0. 08% KBMLeasing Hrvatska d. o. o. 100% ownership Total assets: 41. 9 mio € Net loss: -0. 4 mio € ROE: -67. 92% ROA: -1. 37% Moja naložba d. d. 45% ownership Total assets: 116. 8 mio € Net profit: 0. 6 mio € ROE: 14. 89% ROA: 0. 77% KBM Leasing d. o. o. 100% ownership Total assets: 136. 7 mio € Net profit: 0. 1 mio € ROE: 2. 19% ROA: 0. 12% KBM Projekt d. o. o. 76% ownership Total assets: 58. 1 mio € Net loss: -1. 4 mio € ROA: -3. 18% M-PAY d. o. o. 50% ownership Total assets: 0. 2 mio € Net profit: 0 mio € ROE: 5. 66% ROA: 5. 63% Credy banka AD 55. 10% ownership Total assets: 92. 4 mio € Net loss: -5. 3 mio € ROE: -56. 22% ROA: -8. 06% 11 December 2010

Nova KBM Group presents a healthy balance sheet (mio EUR) 31 Dec 2007 31 Nova KBM Group presents a healthy balance sheet (mio EUR) 31 Dec 2007 31 Dec 2008 31 Dec 2009 30 Sep 2010 Liquid Assets (1) 1, 651. 2 1, 451. 2 1, 625. 9 1, 505. 3 Net Customer Loans 3, 156. 2 3, 799. 1 3, 844. 1 4, 033. 5 Fixed Assets 88. 6 100. 0 101. 0 132. 3 Other Assets 201. 5 139. 6 214. 6 218. 4 Total Assets 5, 097. 5 5, 489. 9 5, 785. 6 5, 889. 5 Customer Deposits 2, 962. 4 3, 184. 6 3, 507. 5 3, 689. 8 Other Liabilities 1, 764. 1 1, 911. 0 1, 846. 8 1, 743. 9 371. 0 394. 3 431. 3 455. 8 61. 9 % 69. 2 % 66. 4% 68. 5% 106. 5 % 119. 3 % 109. 6% 109. 3% 4. 4 % 3. 5% 7. 4% 12. 0% 155. 9 % 158. 0% 86. 6% 59. 5% 10. 0 % 11. 7% 11. 1% Shareholders’ Equity (incl. Minorities) Key Ratios Loans / Assets Loans / Deposits NPLs / Gross Customer Assets Provisions / Gross NPLs Total Capital Ratio (1) Includes cash, securities and loans to banks Source: Consolidated audited 200 7, 2008 and 2009 financial statements / Consolidated unaudited 2010 financial statements 12 December 2010

… coupled with profitability (mio EUR) 31 Dec 2007 31 Dec 2008 31 Dec … coupled with profitability (mio EUR) 31 Dec 2007 31 Dec 2008 31 Dec 2009 30 Sep 2010 116. 4 135. 0 136. 5 107. 8 Net Fee and Commission Income 50. 7 54. 7 59. 5 47. 4 Other Non-Interest Income / Expense 45. 0 -0. 8 11. 6 12. 9 Total Income 212. 1 188. 9 207. 6 168. 1 Operating Expenses 111. 9 114. 9 113. 4 91. 6 Impairments & Provisions 31. 1 52. 2 76. 8 50. 0 Net Income (incl. Minorities) 56. 1 17. 4 12. 9 20. 3 2. 5 % 2. 6 % 2. 4 % 2. 5 % Net Interest Income / Total Income 54. 9 % 71. 5 % 65. 8 % 64. 41 % Cost / Income 52. 2 % 60. 8 % 54. 6 % 54. 5 % 2. 4 % 2. 2 % 2. 0 % 2. 1 % Provision Expense / Total Income 14. 7 % 27. 6 % 37. 0 % 29. 7 % ROAE 16. 2 % 4. 6 % 4. 3 % 8. 1 % ROAA 1. 2 % 0. 3 % 0. 6 % Net Interest Income Key Ratios Net Interest Margin Cost / Average Assets Source: Consolidated audited 200 7, 2008 and 2009 financial statements / Consolidated unaudited 2010 financial statements. 13 December 2010

Nova KBM Group - NPL’s 3 Q 2009 4 Q 2009 1 Q 2010 Nova KBM Group - NPL’s 3 Q 2009 4 Q 2009 1 Q 2010 2 Q 2010 3 Q 2010 NPL (Gross amount (D, E))* 277. 6 320. 9 372. 7 503. 9 549. 9 Impairments of loans (total) 280. 5 277. 8 304. 0 310. 6 327. 2 Total gross loan portfolio 4, 382. 4 4, 333. 8 4, 470. 0 4, 521. 2 4, 578. 3 Total net loan portfolio 4, 101. 9 4, 055. 9 4, 166. 0 4, 210. 7 4, 251. 1 NPLs gross amount/Gross total portfolio (%) 6. 33 7. 40 8. 34 11. 15 12. 01 NPLs net amount/Net total portfolio (%) 2. 78 4. 18 4. 76 7. 05 7. 52 in mio EUR * Includes loans in the credit rating categories D and E, without taking into account prime or other adequate collateral provided. NPLs of other subsidiaries (non-bank customers) include loans to D and E rated customers, except those which belong to the group marked “P” (individual impairment) and which are impaired by less than 40 per cent of the loan value. 14 December 2010

Solid financial performance. . . Revenue growth and efficiency (mio EUR) Revenue split (mio Solid financial performance. . . Revenue growth and efficiency (mio EUR) Revenue split (mio EUR) 207. 8 212. 1 188. 9 180. 7 207. 8 212. 1 180. 7 21% 188. 9 23% 6% 28% 29% 24% 22% 2. 6% 2. 4% 2006 2007 2. 2% 2008 2. 0% 2009 55% 2006 55% 2007 71% 66% 2008 2009 Revenue Net Interest Income Cost/Average Assets Net Fee and Commission Income Other Non-Interested Income Source: Consolidated audited 2006, 2007, 2008 and 2009 financial statements. 15 December 2010

Conclusions – Summary key investment highlight 1. § Leading market position in Slovenia 2. Conclusions – Summary key investment highlight 1. § Leading market position in Slovenia 2. § Extensive distribution network 3. § Attractive funding structure 4. § Significant potential for cross-selling 5. § Good financial performance 6. § Government support and committed management team 16 December 2010

Financial performance of Nova KBM December 2010 Financial performance of Nova KBM December 2010

Nova KBM 30. 9. 2010 financial results Financial results - highlights § § § Nova KBM 30. 9. 2010 financial results Financial results - highlights § § § § § Profit from continuing operations of € 16. 2 million and net profit of € 13. 8 million Net interest income amounted to € 81. 6 million The interest margin (calculated on average total assets) was 2. 27 per cent Net fee and commission income was € 35. 4 million The Bank’s profit is reduced by impairment charges of € 44. 3 million The Bank's total assets amounted to € 4, 810. 2 million Net loans to non-bank customers reached € 3, 484. 0 million Deposits from non-bank customers were € 3, 015. 7 million The ratio of loans to deposits of non-bank customers was 115. 5 per cent Total capital of € 384. 3 million capital adequacy of 10. 22 per cent 18 December 2010

Nova KBM cost management and profitability Cost income ratio Profitability as at 30 September Nova KBM cost management and profitability Cost income ratio Profitability as at 30 September 2010 19 December 2010

… with significant market shares Market share by deposits (30 Sept. 2010) Branch network … with significant market shares Market share by deposits (30 Sept. 2010) Branch network (31 December 2009) 29. 3% 639 550 PBS 13. 4% 8. 3% 158 8. 0% NKBM NLB d. d. NKBM + PBS Abanka Vipa d. d. Uni. Credit d. d Market share by assets (30 Sept. 2010) 29. 0% 89 Nova KBM d. d. + PBS d. d. NLB d. d. SKB Banka d. d. 41 Abanka Vipa d. d. Market share by loans (30 Sept. 2010) 25. 7% 11. 0% NLB d. d. 59 NKBM + PBS 8. 8% 5. 8% Abanka Vipa d. d. Uni. Credit d. d 20 10. 6% NLB d. d. 9. 0% NKBM + PBS Abanka Vipa d. d. 5. 8% Uni. Credit d. d. December 2010

Nova KBM currently offers the full range of banking services Retail banking Natural persons Nova KBM currently offers the full range of banking services Retail banking Natural persons § § Sole proprietors § Moneta mobile payments § Electronic banking § Local and international payments Transaction accounts Loans Savings Debit and credit cards Corporate banking Small corporate Mid-sized corporate § Loans and deposits § Guarantees § Local, cross-border and international payments for Slovenian and foreign customers § Moneta mobile payments utilizing business account § § § Large corporate Electronic banking Transaction accounts in local and foreign currency Payment instruments, such as debit and credit cards Trade finance activities Financial advisory services Financial markets Treasury § Managing of short term and structural liquidity Financial institutions § Correspondent banking services § Arranging of long term interbank financing 21 Investment banking § Portfolio management § Brokerage services December 2010

Business strategy of Nova KBM Group December 2010 Business strategy of Nova KBM Group December 2010

Business plan for year 2010 Nova KBM in mio EUR 2009 2010 f % Business plan for year 2010 Nova KBM in mio EUR 2009 2010 f % 4, 789. 4 4, 886. 6 +2. 0 106. 0 101. 9 -3. 9 Net fee and commission income 45. 6 45. 9 +0. 7 Impairment charges and provisions 55. 7 40. 0 -28. 2 Profit from continuing operations 15. 1 21. 0 +39. 1 Net profit 12. 1 17. 2 +42. 1 2009 2010 f % 5, 785. 6 5, 953. 7 +2. 9 136. 5 133. 7 -2. 1 Net fee and commission income 59. 5 59. 9 +0. 7 Impairment charges and provisions 76. 8 53. 0 -31. 0 Profit from continuing operations 17. 6 41. 7 +136. 9 Net profit 12. 9 34. 8 +169. 8 Net profit attributable to equity holders of the parent 10. 4 29. 7 +185. 6 Total Assets Net interest income Nova KBM Group in mio EUR Total Assets Net interest income Nova KBM acquired Credy bank in March 2010 and therefore Credy bank is not included in the business plan. Restructuring costs will decrease the planned net profit of the Nova KBM Group. 23 December 2010

Strategy of Nova KBM Group going forward Objectives Implementation strategy § Strengthen the Group’s Strategy of Nova KBM Group going forward Objectives Implementation strategy § Strengthen the Group’s position as a leading “all Slovenian” financial institution and the country’s second largest bank § Understand further consolidate relations with clients § Enhance cross-selling initiatives among the Group’s members and sharpen quality of § Further develop the Group’s distribution network § Leverage on the domestic network potential § Implement alternative channels (e. g. mobile phone payment systems, direct and electronic banking) § Streamline the Group’s operations and optimise its activities § § service Consolidation of the Nova KBM Group Define clear financial objectives and a strict cost management programme Maintain high standards of risk management and quality loan portfolio Provide flexible technological support and maintain high quality standards in operations (programme NOBIS, introduction of EMV – Europay Master. Card Visa –standards) § Develop an automated reporting system for the Group § Horizontal functional management and vertical business line management § Expand the Group’s international franchise § Use contacts with current business partners and clients to further develop the Group’s international presence § Increase of business operations in Serbia - additional capital required (organic growth/acquisitions) and potential acquisition in Macedonia Increase profitability in all segments of the NKBM Group’s operations § Further strengthen market position in the Slovenian financial sector § Develop business in other markets in the region, mainly in Serbia and Croatia 24 December 2010

Introduction of the new organisational structure of Nova KBM Vertical management (divisions) Division’s parent Introduction of the new organisational structure of Nova KBM Vertical management (divisions) Division’s parent company Nova KBM Zavarovalnica Maribor KBM Infond KBM Leasing Maribor KBM Fineko Head Coordinator Technological support Real estate Internal assessment Executive Director of Financial Markets / Executive Director of Corporate Clients Leasing Marketing Funds and pension savings Controlling, Reporting Insurance products Liquidity, Pricing policy, Treasury services Advisor to the Management Board of Nova KBM for Group risk management Banking products Risk management, Capital, ALCO Other division members Moja Naložba 25 Manager of Marketing Manager of Internal Assessment Executive Director of Support Services Training and staff PBS Adria Bank Credy bank Executive Director of Support and Control of Banking Activities Gorica Leasing KBM Leasing Zagreb Manager of Organisation and Human Resource Department KBM Invest KBM Projekt December 2010

Consolidation within Nova KBM Group Consolidation is evaluated at 80 mio EUR Adria bank Consolidation within Nova KBM Group Consolidation is evaluated at 80 mio EUR Adria bank Nova KBM current ownership stake in Adria bank is 50. 54 per cent Remaining owners are Nova Ljubljanska bank (28. 46 per cent) and Beogradska bank (21. 0 per cent) Book value of remaining stake is evaluated at 16. 4 mio EUR on 31 December 2009 Post bank Nova KBM current ownership stake in Post bank is 55 per cent Remaining owner is Post of Slovenia (45. 0 per cent) Book value of remaining stake is evaluated at 17. 5 mio EUR on 31 December 2009 Zavarovalnica Maribor Nova KBM current ownership stake in Zavarovalnica Maribor is 49. 96 per cent Reaming owners are Save RE (45. 79 per cent), Probanka (3. 07 per cent) and small shareholders (1. 18 per cent) Book value of remaining stake is evaluated at 45 mio EUR on 31 December 2009 26 December 2010

Expansion of Nova KBM Group Further development of the Group’s international presence One of Expansion of Nova KBM Group Further development of the Group’s international presence One of the Nova KBM key strategic goals until 2013 is expansion in the region. Main regions for Nova KBM strategic business expansion are: Croatia Serbia Macedonia 27 December 2010

Employees – an important capital Total number of employees in the NKBM Group (2007 Employees – an important capital Total number of employees in the NKBM Group (2007 – 2009) Number of employees in the NKBM Group (as of 30 September 2010) NKBM d. d. 1, 432 ZM d. d. Credy banka AD 2, 735 2, 776 531 PBS d. d. 2, 725 898 235 Adria Bank AG KBM Infond d. o. o. 13 GORICA Leasing d. o. o. 17 KBM Fineko d. o. o. 10 KBM Invest d. o. o. 8 KBM Projekt d. o. o. 4 KBM Leasing Hrvatska d. o. o. 2009 16 KBM Leasing d. o. o. 2008 28 Moja naložba d. d. 2007 28 8 Total 28 3, 228 December 2010

NOTES AND WARNINGS: This is a confidential document which was prepared by Nova KBM NOTES AND WARNINGS: This is a confidential document which was prepared by Nova KBM d. d. . It can be used as a working material for internal presentations of Nova KBM d. d. and the Nova KBM Group. This document was prepared for informative purposes only. Neither this document as a whole nor any part of it can be used as a legal, fiscal or financial advice. All information as at 31 December 2008 and 2009 related to the Nova KBM Group and its members are audited. The 2008 and 2009 Annual Reports of the Nova KBM Group and Nova KBM d. d. are published on the website of Nova KBM d. d. (www. nkbm. si) Some statements in this document may be deemed to be predictions, anticipations or other “forward looking statements” about the future financial standing of the Nova KBM Group and its members. Forward looking statements are only estimations and the actual events or results of operations may significantly vary from these predictions or estimations. Nova KBM d. d. does not intend to update these estimations so that the statements included in this document would reflect the events or circumstances occurred after the date of this document or to reflect the occurrence of unexpected events. A number of factors can cause the actual business or financial results to significantly differ from the results, quoted in Nova KBM d. d. estimations or predictions, such as general economic and competitive environment, as well as a number of other risk factors which are directly linked to Nova KBM d. d. and its operations. @ Nova KBM d. d. , December 2010 29 December 2010