www.comarch.com

COMPANY PROFILE

COMARCH - INTEGRATOR AND SOFTWARE HOUSE OF INNOVATIVE IT SYSTEMS

Comarch Capital Group in Figures

Comarch is a manufacturer and integra-tor of IT solutions. Since 1993, Comarch has helped clients to achieve greater profitability and to advance in their spe-cific sectors with a wide range of inno-vative products, solutions and services of the highest quality. Comarch has gained vast experience in key sectors (telecommunications, finance, banking

and insurance, services, public adminis-tration, industry, health, as well as in the small and medium-sized enterprises sec-tor) through projects carried out for the largest Polish and international brands.

883.9 m PLN

30.8 m PLN

40.7 m PLN

5.05 PLN

Proceeds from sales

Operational profit

Net profit for Company

shareholders

Profit per share

Comarch at a glance

40 Subsidiaries and associates 60 Locations 44 Cities 20 Countries 4 ContinentsOwn R&D department made up of high-end IT engineersOwn Custom Data for the provision of services in many models, including SaaS and Managed ServicesThousands of successfully completed projects on five continents in over 40 countriesReferences from across the worldHigh ranking IT analyst ratings from:

- Gartnera,- Truffle 100,- Computerworld’s Top 200,- IDC,- EU Industrial R&D Investment Scoreboard.

SOFTWARE HOUSE SELLING LICENSES AS A SERVICE

AREAS OF RESPONSIBILITY AND ORGANIZATIONAL STRUCTURE

PUBLIC E-HEALTH ERP POLAND FINANCIAL SERVICES TELECOMUNICATIONS SERVICES

Prof. Janusz FilipiakFounder and President of Comarch SA

STRATEGY, HR, MARKETING

Konrad Tarańskivice president,

director of Finance

FINANCE, ADMINISTRATION, INTERIOR IT SYSTEMS

Paweł ProkopVice President,

Director of Public Sector

Zbigniew RymarczykVice President,

Director of ERP Poland Sector

Piotr ReichertVice President,

Director of Financial Services Sector

Piotr PiątosaVice President,

Director of Telecommunications Sector

Marcin WarwasVice President,

Director of Services Sector

Prof. Janusz FilipiakPresident,Director of

E-Health Sector

ERP AUSTRIA, GERMANY,

SWITZERLAND

Łukasz WąsekVice President,

Comarch Software und Beratung AG

Comarch at a glance

STRATEGYThe development of own productsLarge investment in research and developmentHiring employees with the best qualificationsEncouraging the development of international salesCaring about quality and customer satisfaction

The summary does not include employees of MKS Cracovia SSA and Interia.pl

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

4

9

33

52

155

449

695

734

788

826

1126

1551

1857

2464

2853

3316

3260

3462

3446

3759

4238

first-class professionals (programmers, computer scientists and economists), graduates from the best Polish and foreign universities.

One of the largest and most stable employers in the IT industry.

Comarch at a glance

Comarch at a glance

REVENUE GROWTH

A HIGH & STABLE LEVEL OF EBITDA

444.0 491.6 581.0 701.0 729.4 761.4 785.7 883.9PLN 328.4

110.4 126.1 153.8 198.5 168.0 190.1 189.8 211.8EUR 72.7

136.5 159.1 211.4 290.7 233.5 250.4 264.7 273.5USD 90.2

75.4 85.9 105.6 159.6 149.5 162.3 165.3 171.8GBP 49.4

2004 2005 2007 2008 2009 2010 2011 20122006

amounts in millions

PLN 38.6 58.3 61.1 66.0 56.2 66.2 80.8 84.1

EUR 9.6 15.0 16.2 18.7 13.0 16.5 19.5 20.1

USD 11.9 18.9 22.2 27.4 18.0 21.8 27.2 26.0

GBP 6.6 10.2 11.1 15.0 11.5 14.1 17.0 16.3

amounts in millions

2005 2007 2008 2009 2010 2011 20122006

PLN 883.9EUR 211.8USD 273.5GBP 171.8

amounts in millions

Telecommunication, Media & IT PLN 202.3 EUR 48.5USD 62.6 GBP 39.3

22.9%

1.3%

26.0%Finance & BankingPLN 229.4 EUR 55.0USD 71.0 GBP 44.6

OthersPLN 11. 8 EUR 2.8USD 3.7 GBP 2.3

0.9% Medicine

PLN 8.0 EUR 1.9USD 2.5 GBP 1.6 0.9%1.3%

22.9%

26.0%

13.0%

11.5%

7.9%

8.1%

8.4%

8.1%Trade & Services PLN 71.6 EUR 17.2USD 22.2 GBP 13.9

Small & Medium-Sized Enterprises – Poland PLN 74.0 EUR 17.7USD 22.9 GBP 14.4

8.4%

13.0%Small & Medium-Sized Enterprises - Germany, Austria , SwitzerlandPLN 114.7 EUR 27.5USD 35.5 GBP 22.3

Industry & UtilitiesPLN 70.2 EUR 16.8USD 21.7 GBP 13.6

7.9%

11.5%Public sector PLN 101.8 EUR 24.4USD 31.5 GBP 19.8

PLN 883.9EUR 211.8USD 273.5GBP 171.8

58.4%Poland

PLN 516.6 EUR 123.8USD 159.9 GBP 100.4

Germany, Austria, SwitzerlandPLN 192.0 EUR 46.0USD 59.4 GBP 37.3

21.7%

58.4%

21.7%

16.2%

3.4%

0.2% 0.1%

Europe - others PLN 142.6 EUR 34.2USD 44.1 GBP 27.7

16.2%

AmericasPLN 30.3 EUR 7.3USD 9.4 GBP 5.9

3.4%

0.2%Remaining countries

PLN 1.6 EUR 0.4USD 0.5 GBP 0.3

0.1% Middle East

PLN 0.8 EUR 0.2USD 0.3 GBP 0.2

amounts in millions

MARKET SALES STRUCTURE

GEOGRAPHICAL SALES STRUCTURE

Comarch at a glance

62.1

15.5

20.4

13.2

67.0 65.5

15.7

20.3

12.7

16.2

22.6

14.1

amounts in millions

2010 2011 2012

103.3 101.492.8

24.9 24.323.2

34.8 31.430.5

21.7 19.719.8

PLN

EUR

USD

GBP

COMARCH SA COMARCH SA COMARCH SA

2010 2011 2012COMARCH SA

Comarch CapitalGroup

Comarch CapitalGroup

Comarch CapitalGroup

Comarch Capital Group

Comarch at a glance

RESEARCH AND DEVELOPMENT EXPENDITURE

COMARCH SPENDS 9.8% OF REVENUES ON RESEARCH AND DEVELOPMENT.

PHILOSOPHY REGARDING COOPERATING WITH CUSTOMERS

PORTFOLIO OF PRODUCT AND SERVICES

Implement projects within budgets and schedules.

We understand your business needs and the technology you use, we create solutions together with them.

We provide faster implementation and easier integration, thus reducing the risks of a project.

We create easy, configurable solutions that will grow with business requirements.

We offer the best value for money.

We provide services to many business models from the traditional and wireless MVNOs.

We specialize in ERP business management systems, information security, CRM systems and sales support, electronic communications, and business intelligence.

We offer outsourcing services and consulting.

PRODUCTS SERVICESINDUSTRIES

AUTOMOTIVEBANKINGCAPITAL MARKETSCONSUMER PRODUCTSFINANCIAL SERVICESHEALTHCAREINDUSTRIAL MANUFACTURINGINSURANCEOIL & GASLOGISTICSPUBLIC ADMINISTRATIONRETAILSERVICESTELECOMMUNICATIONSTRANSPORT & TOURISM

BSS/OSS FOR TELECOMMUNICATIONSBUSINESS INTELLIGENCECRMCUSTOMER LOYALTY MANAGEMENTENTERPRISE CONTENT MANAGEMENTENTERPRISE MARKETING MANAGEMENTENTERPRISE RESOURCE PLANNINGIT MANAGEMENTIT SECURITYM2MMOBILE APPLICATIONSMULTI-ENTERPRISE COMMUNICATIONNETWORK & SERVICE MANAGEMENTREVENUE MANAGEMENT & BILLINGRISK MANAGEMENTSALES SUPPORTSUPPLY CHAIN MANAGEMENT

BUSINESS CONTINUITYBUSINESS PROCESS OPTIMIZATIONCLOUD COMPUTINGCUSTOMER ANALYTICS SERVICESDATA CENTERDATA PROTECTION & SECURITYIT AUDITSIT INTEGRATIONMANAGED SERVICESMOBILE CHANNELSOSS/BSS TRANSFORMATIONSOUTSOURCINGPROFESSIONAL SERVICESTRAININGUPNP & DLNA CERTIFICATION

Comarch at a glance

4.6 BILLION BOTTLESOF BEER PROCESSED

BY COMARCH SFA ONLINE DISTRIBUTION

SUPPLIED TO THE NATIONAL POLICE HEADQUARTERS

150 MILLION USERSOF LOYALTY PROGRAMS

30,000 COMPANIES USESOFTWARE HOSTED

12 MILLION DOCUMENTSPROCESSED

IN COMARCH SFA ONLINE DISTRIBUTION

BY COMARCH CLOUD COMPUTING

300 MILLION MOBILESUBSCRIBERS

OF TELECOMMUNICATIONS COMPANIES WHO USECOMARCH SOFTWARE AND HARDWARE

MORE THAN 12,000 COMARCHMICROSD CRYPTOGRAPHIC CARDS

COMARCH IN EVERYDAY LIFE

Comarch at a glance

COMARCH’S WORLDWIDE SUBSIDIARIES

Comarch at a glance

Comarch SA ♦ al. Jana Pawła II 39a ♦ 31-864 Kraków ♦ Phone +48 (12) 64 61 000 E-Mail: info@comarch.com ♦ www.comarch.com

Comarch Spółka Akcyjna with its registered seat in Kraków at Aleja Jana Pawła II 39 A, entered in the National Court Register kept by the District Court for Kraków-Śródmieście in Kraków, the 11th Commercial Division of the National Court Register under no. KRS 000057567. The share capital amounts to 8,051,637.00 zł. The share capital was fully paid, NIP 677-00-65-406Copyright © Comarch 2013. All Rights Reserved.

CANADA

USA

CHILE

PANAMA

POLSKANIEMCY

UKRAINA

ALBANIA

ROSJA

SZWAJCARIA

LUKSEMBURG

FRANCJA

WIELKABRYTANIA

FINLANDIA

BELGIA

AUSTRIA

ASIAUnited Arab Emirates: Dubai

SOUTH AMERICAChile: Santiago

NORTH AMERICACanada: Saint John Panama: Panamá City USA: Rosemont

UNITED ARAB EMIRATES

POLANDGERMANY

UKRAINE

ALBANIA

RUSSIA

SWITZERLAND

LUXEMBOURG

FRANCE

UK

FINLAND

BELGIUM

AUSTRIA

CHILE

EUROPEAlbania: Tirana Austria: Innsbruck, Vienna Belgium: BrusselsFinland: Espoo France: Lezennes, Montbonnot-Saint MartinGermany: Berlin, Bremen, Dresden, Düsseldorf, Frankfurt, Hamburg, Hannover, Munich, Münster

Luxembourg: Strassen Poland: Bielsko-Biala, Chorzow, Gdansk, Gliwice, Katowice, Cracow (HQ), Lublin, Lodz, Poznan, Rzeszow, Warsaw, Wroclaw

Russia: MoscowSwitzerland: Arbon, Buchs, Luzern, UK: London

Ukraine: Kiev, Lviv