www.comarch.com

COMPANY PROFILE

COMARCH - INTEGRATOR AND SOFTWARE HOUSE OF INNOVATIVE IT SYSTEMS

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.

Comarch at a glance

» 939.0 m PLN – Proceeds from sales

» 34.4 m PLN – Operational profit

» 25.1 m PLN – Net profit for Company shareholders

COMARCH CAPITAL GROUP IN FIGURES

44 Subsidiaries and associates 46 Cities 22 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 world

SOFTWARE HOUSE SELLING LICENSES AS A SERVICE

AREAS OF RESPONSIBILITY AND ORGANIZATIONAL STRUCTURE

PUBLIC SECTORDIVISION

E-HEALTHDIVISION

FINANCIAL SERVICESDIVISION

TELECOMUNICATIONSDIVISION

SERVICESDIVISION

TECHNOLOGIESDIVISION

prof. Janusz Filipiak

President,Director of

Piotr Reichert

Board Member, Director of

Paweł Prokop

Board Member,Director of

Marcin Warwas

Board Member,Director of

Piotr Piątosa

Board Member,Director of

Mariusz Lasek

Director of

Jerry Filipiak

THE UNITED STATES OF AMERICA& CANADA

Bartosz Demczuk

MIDDLE EAST

Jacek Mikuś

FRANCE

Wojciech Pawlus

BELGIUM

Anna Pruska

SWITZERLAND

Łukasz Wąsek

AUSTRIA,& GERMANY

Marek Wojciechowski

THE REPUBLIC OF IRELAND& THE UNITED KINGDOM

OF GREAT BRITAIN,AND NORTHERN IRELAND

Konrad Tarański

CFO,Finance, Administration

Interior IT Systems

prof. Janusz Filipiak

Founder and CEO of Comarch s. a.Strategy, HR, Marketing

ERPDIVISION

Zbigniew Rymarczyk

Board Member, Director of

DIVISIONS

REGIONS - COUNTRY MANAGERS

Comarch at a glance

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

HIGH RANKINGS IN IT ANALYST RATINGS

ORGANISATIONAL AND COMPETENCE STRUCTURE

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

4

9

33

52

155

449

695

734

788

826

1126

1551

1857

2464

2853

3316

3260

3462

3446

3759

4222

4211

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

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

Comarch at a glance

4211

Medicine

PLN 24.0 EUR 5.7USD 7.6 GBP 4.8

2.6% 1.6 %Others

PLN 15.1 EUR 3.6USD 4.8 GBP 3.1

10.0%Industry & Utilities

PLN 94.0 EUR 22.3USD 29.7 GBP 19.0

23.2%Telecommunication,Media & IT

PLN 218.3 EUR 51.8USD 69.0 GBP 44.1

32.85%Janusz Filipiak

2 669,315

10.41%Elżbieta Filipiak

846,000

1.49%Members of the Management Board

120,841

55.25%Other shareholders

4 489,434

41.28%Janusz Filipiak

6 241,315

27.98%Elżbieta Filipiak

4 230,000

1.05%Members of the Management Board

158,441

29.69%Other shareholders

4 489,434

Trade & ServicesPLN 102.4 EUR 24.3USD 32.3 GBP 20.7

10.9%

10.8%Small & Medium-Sized Enterprises- Germany, Austria , Switzerland

PLN 100.9 EUR 24.0USD 31.9 GBP 20.4

Public sector

PLN 157.8 EUR 37.5USD 49.8 GBP 31.8

16.8%

15.1%Finance & Banking

PLN 142.2 EUR 33.8USD 44.9 GBP 28.7

9.0%Small & Medium-Sized Enterprises– Poland

PLN 84.3 EUR 20.0USD 26.6 GBP 17.0

PLN 939.0EUR 223.0USD 296.6GBP 189.6

Germany, Austria,Switzerland

PLN 188.9 EUR 44.9USD 59.7 GBP 38.1

20.1%

Europe – others

PLN 148.9 EUR 35.3USD 47.0 GBP 30.1

15.8%

57.9%Poland

PLN 543.6 EUR 129.1USD 171.7 GBP 109.8

0.1%Middle East

PLN 1.0 EUR 0.2USD 0.3 GBP 0.2

Americas

PLN 55.1 EUR 13.1USD 17.4 GBP 11.1

5.9%

in millions

PLN 939.0EUR 223.0USD 296.6GBP 189.6

444.0 491.6 581.0 701.0 729.4 761.4 785.7 883.9PLN

110.4 126.1 153.8 198.5 168.0 190.1 189.8 211.8EUR

136.5 159.1 211.4 290.7 233.5 250.4 264.7 273.5USD

75.4 85.9 105.6 159.6 149.5 162.3 165.3 171.8

939.0

223.0

296.6

189.6GBP

2005 2007 2008 2009 2010 2011 20122006 2013

2013-0

1-02

2013-0

2-08

2013-0

3-19

2013-0

4-30

2013-0

6-11

2013-0

7-18

2013-0

8-27

2013-10

-03

2013-11

-13

2013-12

-20

0

20

40

60

80

100

120

PLN 38.6 58.3 61.1 66.0 56.2 66.2 80.8 84.1

EUR 9.6 14.9 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

98.9

23.5

31.3

20.0

2005 2007 2008 2009 2010 2011 2012 20132006

PLN

EUR

USD

GBP

2010 2011 2012 2013

Number of votes8 125,590

Number of shares8 125,590

103.3 101.492.8

24.9 24.323.2

34.8 31.430.5

21.7 19.719.8

104.4

24.8

33.0

21.1

in millions

0.2%Remaining countries

PLN 1.5 EUR 0.4USD 0.5 GBP 0.3

Medicine

PLN 24.0 EUR 5.7USD 7.6 GBP 4.8

2.6% 1.6 %Others

PLN 15.1 EUR 3.6USD 4.8 GBP 3.1

10.0%Industry & Utilities

PLN 94.0 EUR 22.3USD 29.7 GBP 19.0

23.2%Telecommunication,Media & IT

PLN 218.3 EUR 51.8USD 69.0 GBP 44.1

32.85%Janusz Filipiak

2 669,315

10.41%Elżbieta Filipiak

846,000

1.49%Members of the Management Board

120,841

55.25%Other shareholders

4 489,434

41.28%Janusz Filipiak

6 241,315

27.98%Elżbieta Filipiak

4 230,000

1.05%Members of the Management Board

158,441

29.69%Other shareholders

4 489,434

Trade & ServicesPLN 102.4 EUR 24.3USD 32.3 GBP 20.7

10.9%

10.8%Small & Medium-Sized Enterprises- Germany, Austria , Switzerland

PLN 100.9 EUR 24.0USD 31.9 GBP 20.4

Public sector

PLN 157.8 EUR 37.5USD 49.8 GBP 31.8

16.8%

15.1%Finance & Banking

PLN 142.2 EUR 33.8USD 44.9 GBP 28.7

9.0%Small & Medium-Sized Enterprises– Poland

PLN 84.3 EUR 20.0USD 26.6 GBP 17.0

PLN 939.0EUR 223.0USD 296.6GBP 189.6

Germany, Austria,Switzerland

PLN 188.9 EUR 44.9USD 59.7 GBP 38.1

20.1%

Europe – others

PLN 148.9 EUR 35.3USD 47.0 GBP 30.1

15.8%

57.9%Poland

PLN 543.6 EUR 129.1USD 171.7 GBP 109.8

0.1%Middle East

PLN 1.0 EUR 0.2USD 0.3 GBP 0.2

Americas

PLN 55.1 EUR 13.1USD 17.4 GBP 11.1

5.9%

in millions

PLN 939.0EUR 223.0USD 296.6GBP 189.6

444.0 491.6 581.0 701.0 729.4 761.4 785.7 883.9PLN

110.4 126.1 153.8 198.5 168.0 190.1 189.8 211.8EUR

136.5 159.1 211.4 290.7 233.5 250.4 264.7 273.5USD

75.4 85.9 105.6 159.6 149.5 162.3 165.3 171.8

939.0

223.0

296.6

189.6GBP

2005 2007 2008 2009 2010 2011 20122006 2013

2013-0

1-02

2013-0

2-08

2013-0

3-19

2013-0

4-30

2013-0

6-11

2013-0

7-18

2013-0

8-27

2013-10

-03

2013-11

-13

2013-12

-20

0

20

40

60

80

100

120

PLN 38.6 58.3 61.1 66.0 56.2 66.2 80.8 84.1

EUR 9.6 14.9 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

98.9

23.5

31.3

20.0

2005 2007 2008 2009 2010 2011 2012 20132006

PLN

EUR

USD

GBP

2010 2011 2012 2013

Number of votes8 125,590

Number of shares8 125,590

103.3 101.492.8

24.9 24.323.2

34.8 31.430.5

21.7 19.719.8

104.4

24.8

33.0

21.1

in millions

0.2%Remaining countries

PLN 1.5 EUR 0.4USD 0.5 GBP 0.3

Comarch at a glance

REVENUE GROWTH

A HIGH & STABLE LEVEL OF EBITDA

in million

in million

Comarch at a glance

RESEARCH AND DEVELOPMENT EXPENDITURE

COMARCH SA SPENDS

COMARCH CAPITAL GROUP SPENDS OF REVENUES ON R&D.

OF REVENUES ON R&D.10,8%11,1%

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.

Comarch at a glance

» Telecommunications » Retail » Transport & Tourism » Oil & Gas » Logistics » Banking » Capital Markets » Automotive » Financial Services » Insurance » Services » Consumer Products » Industrial Manufacturing » Healthcare » Public Administration » Mobility

INDUSTRIES » BSS/OSS for Telecommunications » Business Intelligence » CRM » Customer Loyalty Management » Enterprise Content Management » Enterprise Marketing Management » Enterprise Resource Planning » IT Management » IT Security » M2M » Mobile Applications » Multi-enterprise Communication » Network & Service Management » Revenue Management & Billing » Risk Management » Sales Support » Supply Chain Management » Engagement and Motivation Solutions

PRODUCTS

» Business Continuity » Business Process Optimization » Cloud Computing » Customer Analytics » Data Center » Data Protection & Security » IT Audits » IT Integration » Loyalty Consulting » Managed Services » Mobile Channels » OSS/BSS Transformations » Outsourcing » Program Management Services » Training » UPnP & DLNA Certification » Sales Support Services » Creative services

SERVICES

COMARCH IN EVERYDAY LIFE

Comarch at a glance

MORE THAN 12 000 COMARCH CRYPTOGRAPHIC CARDS

DELIVERED TO POLISH NATIONAL POLICE HEADQUARTERS

MORE THAN 600 000 COMARCH CRYPTOGRAPHIC

CARDS SOLD ON THE POLISH MARKET

12 MILLION DOCUMENTS PROCESSED IN THE COMARCH SFA

ONLINE DISTRIBUTION SYSTEM

 475 THOUSAND REGISTRATIONS OF COURT HEARINGS

 8 MILLION SERVED BY THE APPLICANTS QUEUING

SYSTEM THE SOCIAL INSURANCE INSTITUTION (ZUS)

150 MILLION PARTICIPANTS OF 50 LOYALTY PROGRAMS

125 BRANCHES OF THE MINISTRY OF FOREIGN AFFAIRS WITH

CIRCULATION OF DOCUMENTS

60% OF END-USERS GRADES INTERNET COMARCH BANKING

AS ‘VERY GOOD’ – THE HIGHEST POSSIBLE SCORE IN THE CUSTOMER

SATISFACTION SURVEY

COMARCH INTERNET BANKING WAS IMPLEMENTED

IN 13 BANKS

24 000 BANK EMPLOYEES USING

COMARCH INTERNET BANKING DAILY

3 200 000 USERS & 8 000 BANK ACCOUNTS

HANDLED BY COMARCH INTERNET BANKING

28 000 TRANSACTIONS PROCESSED MONTHLY IN

COMARCH INTERNET BANKING

MORE THAN 100 SATISFIED CLIENTS

OF THE FINANCIAL SECTOR

MORE THAN 2 000 USERS WORKING DAILY WITH

COMARCH INSURANCE FRONT-END

82 000 CUSTOMERS USE COMARCH CLOUD

COMARCH IN EVERYDAY LIFE

Comarch at a glance

SYSTEMS INTEGRATE DATA AT THE SAME TIME FROM OVER 30

DIFFERENT SOURCES OF DATA

EVEN 155 000 MONTHLY REPORTS GENERATED WITHIN THE FRAMEWORK

OF ONE SOLUTION

GROUP OF 4222 COMARCH EXPERT

EMPLOYEES

 INTEGRATION OF THE DATA OF 650 THOUSAND CUSTOMERS

IN MDM SOLUTION IMPLEMENTATION

COMARCH DATA CENTER CUSTOMERS IN 50 COUNTRIES

0.5 MILLION USERS OF COMARCH DATA CENTER

300 MILLION MOBILE SUBSCRIBERS IN EUROPE

SERVED BY COMARCH BSS/OSS SYSTEMS

OVER 40 MILLION IN EU FUNDS ACQUIRED FOR CLIENTS’ ERP

PROJECTS 2007-2013

OVER 300 COMPLETED ERP PROJECTS

FUNDED BY THE EU

OVER 63 MILLION PLN IN EU FUNDS ACQUIRED FOR

RESEARCH AND DEVELOPMENT FROM 2004

WITHIN THE FRAMEWORK OF IMPLEMENTED ECM SOLUTIONS 1.2 BILLION

DOCUMENTS ARE STORED

12 MILLION EURO IS THE VALUE OF THE POLISH CAPITAL INVESTMENT – IN THE CONSTRUCTION OF THE

COMARCH DATA CENTER IN DRESDEN (GERMANY )

OVER 300 000 LOCATIONS IN LOYALTY PROGRAMS”

5 PETABYTES HELD IN COMARCH DATA CENTER

4.6 BILLION BOTTLES “POURED FROM” THE SYSTEM COMARCH SFA

ONLINE DISTRIBUTION

COMARCH’S WORLDWIDE SUBSIDIARIES,CUSTOMERS, PROJECTS.

Comarch at a glance

Comarch SA ♦ al. Jana Pawła II 39a ♦ 31-864 Kraków, Poland ♦ 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 8,125,590.00 zł. The share capital was fully paid, NIP 677-00-65-406Copyright © Comarch 2015. All Rights Reserved.

Worldwide subsidiaries, customers, projects

Customers and projects

Germany:Berlin, Bremen, Dresden, Düsseldorf, Frankfurt,

Hamburg, Hannover, Munich, Münster

UK:London

Belgium:Brussels

Luksemburg:Luksemburg

France:Lezennes,

Montbonnot-Saint Martin

Spain:Madrid

Switzerland:Arbon, Buchs, Luzern

Russia:Moscow

Turkey:Stambul

Albania: Tirana

Austria: Innsbruck, Vienna

Ukraine:Kiev, Lviv

Finland:Espoo

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

Chile: Santiago

Panama: Panamá City

Brazil: Sao Paulo

USA: New York, Rosemont (Chicago)

United Arab Emirates: Dubai

Canada: Saint John

44 Subsidiaries and associates 46 Cities 22 Countries 4 Continents