Thirty Polish Banks – 2020 Program December 2105

Summary Market share non- all big 3 polish polish public private 1.PKO BP 12.9 12.9 12.9 12.9 2. 12.7 12.7 12.7 12.7 3. BRE bank 7.9 7.9 7.9 7.9 4. ING BSK 6.7 6.7 6.7 5. BZ WBK 5.6 5.6 5.6 6. Bank Millenium 4.5 4.5 4.5 7. 4.1 4.1 4.1 8. Kredyt Bank 3.7 3.7 3.7 9. BGK 3.3 3.3 3.3 10. Raiffeisen Bank 2.8 2.8 2.8 64.2 33.5 19.9 44.3 16.2 48

Other factors 1. PKO Bank Polski (OTC: PSZKY) 12.9% market share/$32 billion State-owned 2. Bank Pekao 12.7% market share/$32 billion Part of UniCredit of Italy 3. BRE bank (OTC:BREJY) 7.9% market share/$20 bilion Investor – of Germany (OTC: CRZBY) 4. ING BSK 6.7% market share/$17 billion Investor – ING Group (ING) 5. BZ WBK 5.6% market share/$14 billion Investor – Allied Irish Bank (AIB) 6. Bank Millenium 4.5% market share/$11.5 billion Banco Comercial Portugues 7. Citibank 4.1% market share/$10 billion Citigroup 8. Kredyt Bank 3.7% market share/$9 billion KBC Group 9. BGK 3.3% market share/$8 billion State-owned 10. Raiffeisen Bank 2.8% market share/$7 billion Part of the Raiffeisen Group of Austria.

1 Thirty Polish Banks – 2020 Program December 2105 Details

Alphabetical Index Bank DnB NORD Polska S.A...... 25 Bank Gospodarki Zywnosciowej SA...... 23 Bank Gospodarstwa Krajowego...... 7 SA...... 8 Bank Ochrony Srodowiska...... 5 SA...... 10 Bank Polska Kasa Opieki SA...... 9 Bank Polskiej Spoldzielczosci SA...... 21 Bank Zachodni WBK...... 6 BNP Paribas Polska SA...... 18 BRE Bank SA...... 7 Polska SA...... 20 Kommunalkredit Bank Polska S.A...... 9p. Dominet Bank SA...... 15 DZ Bank Polska...... 17 DZ BANK Polska...... 17 Fortis Bank Polska SA...... 15 GE Money Bank SA...... 16 GETIN Bank SA...... 14 GMAC Bank Polska SA...... 22 HSBC Bank ...... 5 Kredyt Bank SA...... 13 Mazowiecki Bank Regionalny SA...... 24 National ...... 3, 24p. Noble Bank SA...... 12 Bank Polska SA...... 11 PKO Bank Polski...... 1, 3p., 11 Polska SA...... 22 Societe Generale SA Oddzial w Polsce...... 17 Volkswagen Bank Polska SA...... 24 WestLB Bank Polska SA...... 19

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National Bank of Poland Address :00-919 , ul. Swietokrzyska 11/21 Telephone :(48 22) 653 10 00Fax :(48 22) 620 85 18Website :http://www.nbp.pl/E-mail :[email protected] Swift Code:NBPL PLPW National Bank of Poland The National Bank of Poland (NBP; Narodowy Bank Polski) is the of the Republic of Poland. Its tasks are stipulated in the Constitution of the Republic of Poland, the Act on the National Bank of Poland and the Banking Act. The fundamental objective of the NBP's activity is to maintain price stability. Under the Strategy beyond 2003 drawn up by the , the objective of the NBP is to stabilise the inflation rate at the level of 2.5% with a permissible fluctuation band of +/- 1 percentage point. The most important areas of activity of the NBP are: • Monetary policy • Management of official reserves • Issue of currency • Education and information • Development of payment system • Services to the State Treasury In the coming years, the European integration processes, including efforts aimed at Poland's entry into the euro zone, will have the largest impact on the execution of the NBP's tasks. The National Bank of Poland is responsible for the stability of the national currency. Fulfilling this constitutional obligation, the NBP develops and implements the monetary policy strategy and the annual monetary policy guidelines. Through the management of the official reserves the NBP ensures the requisite level of the State's financial security. As an issuer of currency, the NBP maintains the liquidity of cash payments. An important objective of the NBP is guarding the stability of the financial system. As part of its supervisory and regulatory functions, the NBP oversees the liquidity, efficiency and security of the payment system. It also contributes to the development of a secure infrastructure of the financial market. Moreover, the NBP undertakes activities aimed at disseminating knowledge about economics, e.g. through publishing information on its website and operating the NBPortal - Economics Education Portal. In order to ensure proper preparation for the adoption of the euro, the NBP will aim to meet the requirements pertaining to central banks of those countries that have already introduced the common currency. The NBP will also strive to achieve the position of a significant economic research centre, both domestically and operating within the European System of Central Banks. PKO Bank Polski Address :Centrum Finansowe Pulawska, 15 Pulawska Street, 00-975 Warsaw, Poland Telephone :+(48 81) 535 6565Website :http://www.pkobp.pl/ Swift Code:BPKOPLPW PKO Bank Polski

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PKO Bank Polski is the largest and at the same time one of the oldests Polish banks. The brand prestige has been built for decades and many generations of have used the Bank's services. We feel obliged by the long tradition and our customers' trust. For this reason PKO Bank Polski strives to be perceived as:

• A reliable, strong and competitive market • Modern and innovative, customer-friendly and effectively managed • Sensitive to the material and spiritual needs of society, caring for the development of its cultural awareness The Bank's offer of services is constantly adjusted to the changing market conditions and customers' growing requirements. Although competition on Poland's banking market is very strong, the Bank has for years remained its leader both in terms of business achievements and financial results. This position is strengthened by the largest sales network. Additionally, the Bank develops alternative distribution channels, installing new ATMs and more terminals. Customers may also use the electronic banking services offered by the iPKO brand. PKO Bank Polski is a leader among retail banks:

• Has the largest number of deposits and savings-giro accounts (ROR) • Ranks first with regard to the number of bank cards issued Furthermore, the Bank is an important partner to corporate customers, both small and medium enterprises, as well as large corporations. It has a substantial share in the market of LGU services offered to local government units, such as communes, counties and provinces. It is also the leading organizer of municipal bond issues. In addition to strict banking activity, the PKO Bank Polski Group offers specialised services and is involved in the sale of:

• Various financial products, such as pension funds • Investment fund units • Leasing funds • Electronic payment services Thus, PKO Bank Polski and its subsidiaries maintain a wide range of financial products and services. Mission Powszechna Kasa Oszczednosci Bank Polski has been and will be a universal bank with a Polish profile for whom the client is the most important asset. Enhancing its strong position in retail banking and the leading role in the market of housing loans, the Bank strengthens its position related to the service of legal entities, including small and medium enterprises. With its substantial impact on the stabilisation of the Polish financial system, PKO BP is actively involved in market consolidation and enhances its position on foreign markets. The Bank ensures

4 Thirty Polish Banks – 2020 Program December 2105 effective management of capital provided by its shareholders and creates conditions for its employees to thrive professionally. HSBC Bank Poland Address :Plac Pilsudskiego 2, 00-073 Warsaw, Poland Telephone :(+48) 22 354 05 00Fax :(+48) 22 354 05 10Website :http://www.hsbc.pl/E-mail :[email protected] Swift Code:HSBCPLPW HSBC Bank Poland HSBC in Poland is a part of the global banking and financial organization - The HSBC Group. HSBC was established in 1865 as the Hongkong and Shanghai Banking Corporation Limited. Now the HSBC Group is one of the worlds’ largest banking and financial services organizations. It is floated on stock exchanges in London, Hong Kong, New York and Paris. Since 1990 HSBC has been present in Poland as an investment services company: HSBC Investment Services (Poland) Sp. z o.o. It has acted as an adviser and/or lead manager in over 40 transactions with a total value of 21,5 bn PLN. The successes of the Polish team were crowned with multiple awards granted for investment banking activities. Since then HSBC Bank Polska has focused on the following groups of services:

• Personal Banking • Treasury Services • Consumer Assets - under HSBC Credit brand • Investment Banking • Corporate Banking Bank Ochrony Srodowiska Address :Al. Jana Pawla II 12, 00-950 Warszawa, Poland Telephone :+48 22 850 87 20Fax :+48 22 850 88 91Website :http://www.bosbank.plE-mail :[email protected] Bank Ochrony Srodowiska BOS operates as a universal bank offering services to individual clients, enterprises and local governments. The bank has retained its environmental profile with loans for environmental investments as well as consulting and intermediate financing for EU funded projects. Bank Ochrony Srodowiska S.A. provides complex banking service for private individuals. The Bank's offer covers e.g. a broad range of settlements and lending accounts & services, rendered at highest quality level, enabling accumulating monies, carrying out settlements and financing the Client's operation. Bank Ochrony Srodowiska S.A. provides complex banking service to local government units. The Bank's offer covers a wide range of high-quality lending and depositing services rendered to satisfy the demand for financial resources indispensable for carrying out investment projects, financing

5 Thirty Polish Banks – 2020 Program December 2105 expenses uncovered by the projected profits, and/or financing local government units' shortages of funds. Within ongoing management of resources, the Bank proposes to local government units:

• Current and auxiliary accounts • Home banking • Term deposits, including the "Local • Fiduciary services Government Deposit" • Investing free resources on inter-banking • Payment cards market and in debt securities

Bank Zachodni WBK Address :Ul Rynek 9/11 St., 50-950 Wroclaw, Poland Telephone :+48 71 370 10 00Fax :+48 71 344- 22-96Website :http://english.bzwbk.pl Swift Code:WBKPPLPP Bank Zachodni WBK Bank Zachodni WBK S.A. is a universal commercial bank that renders a wide range of bank services for natural persons and legal entities, both in domestic and foreign dealings. BZ WBK was formed as a result of merge between Bank Zachodni WBK S.A. and Wielkopolski Bank Kredytowy SA on 13 June 2001. Its registered office is located in Wroclaw under the name of "Bank Zachodni WBK Spólka Akcyjna". Bank Zachodni WBK branch network is localized most of all in most important economic centers of Poland. Bank Zachodni WBK provides its customers with the possibility of using its own ATM network on location of Branches as well as in many other, frequently visited localizations, such as e.g. supermarkets and shopping malls. Strategic objectives To cut long story short, The Bank's most important objective is to be such a bank that will be distinctive on the market not only in the quality of its offering, but also in the way it is perceived by customers as a unique company that actively cares about its financial interests and constantly strengthens customer relations. These are the customers of their bank and their satisfaction with the offering that their success will depend on. Key values • Dependability • BZ WBK will always be able to offer top-class level of their everyday contacts with customers • Engagement • BZ WBK will constantly excel in developing good relations with their customers through active response to their expectations

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Innovativeness BZ WBK will do their best to be a modern bank that knows the needs of its customers and is able to address them. BZ WBK aim for the sky and they are successful. Key products • Mortgage loans • Leasing • Credit cards • Business offering • Investment funds

Bank Gospodarstwa Krajowego Address :Al. Jerozolimskie 7, 00-955 Warszawa, woj Mazovia, Poland Telephone :0 801 667 655Fax : +48 22 627 03 78Website :http://www.bgk.com.plE-mail :[email protected] Bank Gospodarstwa Krajowego Bank Gospodarstwa Krajowego is the only state bank in the country. It was established in the period of the monetary reforms in 1924 out of the initiative of the Prime Minister, the Treasury Minister Wladyslaw Grabski. In the interwar period it was the second biggest bank in Poland and it played a significant role in stimulating the country economic development financing the largest state enterprises. After the war its activity was suspended, BGK restarted its activity in 1989 as a bank specializing in servicing public sector finances. At present Bank Gospodarstwa Krajowego manages target funds of a few, as well as several government programmes. It participates in financing and supporting the development of housing, entrepreneurship, and energy saving market. It plays an essential role in facilitating their absorption of funds deriving from the , especially accounting for local governments. Its mission is to support economy development. Apart from dealing with government issues, it also runs commercial activity on the corporation and retail market. BRE Bank SA Address :ul. Senatorska 18, 00-950 Warszawa, P.O. Box 728, Poland Telephone :+48 22 829 00 44Fax : +48 22 829 00 33Website :http://www.brebank.com.plE-mail :[email protected] Swift Code:BREX PL PW BRE Bank SA BRE Bank SA is a Poland-based bank. It is divided in four divisions: Small and Medium Enterprises, Corporate and Institutional, Private Banking and Wealth Management, and Individual Clients and Entrepreneurs.

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BRE Bank is one of the top Polish providers of comprehensive corporate banking service. BRE Bank and its several strategic subsidiaries make up the BRE Bank Group which offers comprehensive and state-of-the-art financial services. BRE Bank’s Investor Relations services provide continuous access to clear and complete information to support investors’ informed decisions about investment in BRE Bank stock and to facilitate effective corporate governance. Investor Relations service is also addressed to other parties of the capital market, investors, shareholders, stock market analysts, and all interested parties. Mutual benefits in relations and co-operation with stakeholders including shareholders, customers, employees, business partners and local communities are essential components of BRE Bank’s corporate culture. Corporate social responsibility is a fundamental principle of the Bank’s relations with its environment. Business should do much more than follow the goals of economic rationality and comply with all legal and formal requirements. In pursuing its business strategy, BRE Bank will opt for solutions which are beneficial not only to the company but also to its partners and employees, society and the environment. It enriches the knowledge of BRE Bank by providing a wide range of information about activities aimed at enhancing: • Shareholders’ trust • Reliable relations with business partners • Customers’ satisfaction and loyalty • Positive image in local communities • Employees’ dedication and commitment to the company and its mission

Bank Millennium SA Address :Stanislawa Zaryna 2A, 02-593 Warszawa, Poland Telephone :+48 22 598 40 40Website :http://www.millenet.pl Bank Millennium SA Bank Millennium was founded in 1989 and thus its history is as long as that of Polish free market and democratic political transformations. Private right from the start, using the opportunities offered by the capital market, the Bank developed really fast keeping up with its Clients. Today Bank Millennium is one of the larger financial institutions in Poland. Bank Millennium's know how and experience gained on the difficult Polish market as well as the commitment of their employees permit us to effectively implement the adopted development strategy. The Bank believes in professionalism, responsiveness to Clients' needs and new solutions.

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Mission The mission of Bank Millennium S.A. is to consistently implement the development and market position reinforcement programme. The goal of the Bank, stemming from the implementation of its mission, is to continuously grow Shareholder value, deliver premium quality universal financial services to all the Clients' groups and meet the challenges of development of financial services in Poland. Corporate Responsibility This is the second review of Bank Millennium’s activities in pursuit of its Corporate Social Responsibility policy. As they announced previously, they are evolving in the direction of satisfying international standards for Corporate Social Responsibility (CSR) reports, as adopted by the Global Reporting Initiative (GRI) pursuant to their business strategy. Bank Polska Kasa Opieki SA Address :53/57 Grzybowska Street, P.O. Box 1008, 00-950 Warsaw, Poland Telephone :+48 (22) 656 00 00Fax :+48 (22) 656 00 04, 656 00 05Website :http://www.pekao.com.pl Swift Code:PKOP PL PW Bank Polska Kasa Opieki SA Bank Polska Kasa Opieki Spólka Akcyjna, established in 1929, is a bank organised in the form of a joint stock company, operating pursuant to the binding legal regulations, and in particular according to the Banking Law, regulations of the Code of Commercial Companies and provisions of this Statute. Bank Polska Kasa Opieki S.A. is a member of the UniCredito Italiano Banking Group. UniCredito Italiano S.p.A. has the right, in accordance with the Polish law, through the statutory authorities of the Bank, to affect activities of the Bank aimed at ensuring the stability of the Group. Mission The mission of Bank Pekao SA is to ensure constant and attractive growth of the Bank's value to its shareholders through strengthening its leading position on the domestic market and steady development on the markets of Central Europe as a universal financial institution, a reliable partner for clients and the best workplace for the best people. Strategy Strategy of Bank Pekao SA aims at increasing efficiency and profitability, reducing costs and increasing its share in the market. Besides rapid development of the network of outlets and ATM machines the Bank plans to dynamically develop modern channels of distribution such as e-banking, telephone banking and direct distribution of products.

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Dexia Kommunalkredit Bank Polska S.A. Address :Ul. Sienna 39, 00-121 Warszawa, Poland. Telephone :+48 (0)22/586 32 00Fax :+48 (0)22/586 32 22Website :http://www.dexia-kom.pl/E-mail :[email protected] Dexia Kommunalkredit Bank Polska S.A. The establishment of Dexia Kommunalkredit Polska Sp.z.o.o. as an origination company at the end of 2002 marked the entry into the Polish market. Through the provision of tailor-made financing solutions for local authorities and by offering a number of newly developed products (such as liquidity enhancement models and municipal bonds), the company attracted high market attention in the following years. Given the very favourable development of business in Poland and the enormous business potential of the public sector, Kommunalkredit and Dexia applied for a banking licence in Poland. The new bank – Dexia Kommunalkredit Bank Polska S.A. – has been active since July 2006, offering financing via loans and capital market solutions, special purpose long-term infrastructure financing and various other innovative financing solutions. Dexia Kommunalkredit Bank Polska is a specialist bank for the public sector. The first shareholders of the bank were Dexia Crédit Local – the world´s biggest provider of finance for public infrastructure projects, Kommunalkredit Austria AG - Austria’s number one bank in the public finance sector and Dexia Kommunalkredit Bank AG - specialist bank for the public sector in Central and Eastern Europe. Nowadays the latter is the sole shareholder of Dexia Kommunalkredit Bank Polska. Dexia Kommunalkredit Bank Polska offers long-term financing solutions for public sector projects. The customers are state, voivodeships, poviats and gminas´ governments. The bank also finances projects of public utility companies (infrastructure, municipal services, health) with major shareholders of local governments. The strategy Dexia Kommunalkredit Bank Polska intends to become the market leader in public finance in Poland. The new EU Member States will face various challenges in the field of public finance that the Member States of the "old EU" have already coped with. For example, with a view to a future participation in the European Monetary Union, increasing attention will have to be paid to financing solutions in order to enable these countries to meet the Maastricht criteria. Hence, there will be a growing demand for new products that will have to be established in the market according to local needs. As Kommunalkredit and Dexia developed several Maastricht-neutral financing solutions throughout Europe in the past, they will be able to transfer their specialist know-how to Poland through Dexia Kommunalkredit Bank Polska.

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Bank Pocztowy SA Address :Head Office Bydgoszcz, Jagiellonska 17. 85-959 Bydgoszcz, Poland Telephone :0048 52 349 91 00Fax :0048 05 232 70 407Website :http://www.pocztowy.plE-mail :[email protected] Swift Code:POCZPLP4 Bank Pocztowy SA Bank Pocztowy is a universal modern bank offering customer-friendly and lucid financial services, which are available at the post offices and in the network of Bank's branch offices across Poland. The Bank was established in 1990 in Bydgoszcz. There are two shareholders of Bank Pocztowy: Poczta Polska (Polish Post) that owns 75% of shares (minus one share) and PKO Bank Polski S.A (25% plus one share). Both of them are well-known, reputable institutions enjoying the public trust. Thanks to their shareholders, they have at their disposal the largest distribution network and access to the most modern banking activities. Individual customer service is one of the strategic routes taken by Bank Pocztowy. If you have been wanting to transfer money to Poland quickly, or receive money from abroad while living here, in Poland, you can now do it, thanks to the range of services provided by the partners of Bank Pocztowy! In partnership with US and UK companies they have worked out an attractive offer for international transfers. Bank Pocztowy offers a rich and wide variety of products for business customers. Both small companies - with a single person or a few people - as well as large, chain companies will find services to suite them at Bank Pocztowy. It is worth paying special attention to the following: for small companies - the "GIRO-Premium" service enabling one to make compulsory tax and health/retirement insurance payments at Post Offices; for companies which receive a great deal of small payments from natural persons - the "Infotransfer" service, and the Postal Company Account. Servicing local authorities is another area where Bank Pocztowy operates. The Bank has got extensive experience in this kind of activities. Characteristics of a number of services they have on offer, like "Infotransfer" or account consolidation, make us attractive to Local Authorities. Ecbs.org has no relation with "European Committee for Banking Standards". See site Disclaimer. Nordea Bank Polska SA Address :ul. Kielecka 2, 81-303 Gdynia, Poland Telephone :058 669 10 00, 058 669 11 11Fax :058 669 11 10Website :http://www.nordea.plE-mail :[email protected] Swift Code:NDEAPLP2 Nordea Bank Polska SA Nordea Bank Polska SA (Nordea) is a Poland-based bank, which belongs to Nordea Group. Nordea Bank Polska is a modern bank offering banking services via the internet, telephone, free-of-charge

11 Thirty Polish Banks – 2020 Program December 2105 personalized SMS’s WAP and a network of branches. Their electronic banking was created on the basis of the Scandinavian Solo system, which has received many awards and which processes record numbers of banking operations executed via the internet. Nordea Bank Polska provide financial services to private individuals and companies. Nordea’s offer includes, among others, the Nordea account, the eFirma account and the eFirma plus account, attractive term deposits and low loans. Mission • Nordea Bank Polska's mission is making it possible to their customers, employees and shareholders. • Their customer''s goals make they work essential. • They help their employees realise their business ambitions and improve the skills. • They realise their shareholders goals. Vision To be the leading Nordic bank, acknowledged for its people, creating superior value for customers and shareholders. Corporate Values • Great customer experiences. • Think and act with the customer in mind. • Understand individual customer needs and exceed expectations. • Deliver professionally. • Create long-term relationships. • It''s all about people • Knowledge that people make the difference. • Enable people to perform and grow. • Foster initiative-taking and timely execution. • Assess performance in an honest and fair way. • One Nordea team • Team up to create value. • Work together across the organisation. • Show trust and assume accountability. • Make rules and instructions clear and applicable. Noble Bank SA Address :ul. Domaniewska 39b, 02-675 Warszawa, Poland Telephone :+48 22 541 51 58Fax :+48 22 541 51 59Website :http://www.noblebank.pl Swift Code:NBLLPLP1 Noble Bank SA

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Noble Bank SA is a Poland-based commercial bank that is a part of Getin Holding financial group. Noble Bank was established in mid-2006 and offers private banking services. The bank targets its products at the quickly growing group of wealthy customers expecting individual solutions in the area of personal finance. The bank creates open architecture products based on its own experience and the experience of other selected financial institutions. The core activity of Noble Bank concerns comprehensive advice in asset management. The customers using the Bank’s services also have at their disposal, in addition to Private Bankers, experts specialising in investments, real estate and tax issues. The major advantage of offered services concerns the flexibility of analysis and approach to financial needs of the customer, while the tailored offers ideally match the range of unique financial solutions proposed by Noble Bank. Noble Bank work to look after your capital, to assist you with setting your financial goals and priorities, to provide you with solutions you need to manage your money. Noble Bank is a company listed on the . They private bankers analyse the market on a day-to-day basis, which is why they know which investment or credit solutions would suit your needs best. What is more, they can tailor make them for you. The Bank tailor-made offers are prepared by professionals who are always ready to assist you with all the formalities regarding your financial decisions. Kredyt Bank SA Address :ul. Kasprzaka 2/8, 01-211 Warsaw, Poland Telephone :+48 (22) 634 54 00Fax :+48 (22) 634 53 35Website :http://www.kredytbank.pl Kredyt Bank SA Kredyt Bank S.A. is now one of the top universal banks in Poland. The bank is offering wide range of financial products including a comprehensive cash management offer, available through more than 333 branches country-wide. KBSA’s in Poland offers wide scope of financial services including full banking offer for enterprises and retail customers. Kredyt Bank S.A. is an institution that combines innovation with a tradition in solid banking. For years they have gathered the trust of thousands of customers, which help customers strengthen their position on the Polish financial market.

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Kredyt Bank S.A. offers financial products and services of the highest quality, appropriately tailored to the needs of all customer groups. As the first on the Polish market, they offered bancassurance services in collaboration with Grupa Ubezpieczeniowo - Finansowa WARTA. Mission Kredyt Bank S.A. is building a new concept for the financial market services. They are effective in meeting financial and insurance needs of their individual and corporate clients. Kredyt Bank S.A. serve all their clients with respect and kindness. They co - create partnership relations with their employees. They deliver profits to their shareholders. They want to contribute to the development of the society they live in. Uniform values • Client-oriented approach - it’s responsible and aware thinking of a client. It’s to think beyond the limits and to create new opportunities for him as well as to offer the best solutions in a loyal and honest manner, no matter what character and scale they have. • Openness, honesty - it’s an active, creative approach towards tasks instead of sticking to routine solutions. • Professionalism - it’s competence, reliability and good performance of assigned tasks. • Togetherness - it’s cooperation aimed at preparing the best solutions for a client. • Respect - it’s understanding and openness as well as honesty and sincerity which are the basis for positive relationships with both clients and employees.

GETIN Bank SA Address :ul. Pszczynska 10, 40-479 Katowice, Poland Telephone :+48 32 20 08 500Fax :+48 032 20 08 685Website :http://www.getinbank.plE-mail :[email protected] Swift Code:GBGCPLPK GETIN Bank SA GETIN Bank was established with the support of the resources of Górnoslaski Bank Gospodarczy SA – a strong, regional bank whose shares were bought in May 2004. GETIN Bank is a nationwide retail bank which offers a wide range of services for individual clients, small enterprises and micro-companies. GETIN Bank’s products and services are meant for clients who expect proven products and simplified service and risk evaluation procedures. GETIN Bank’s services are provided at 154 branches (including 24 Offices for Mortgage Credits ‘Home’) in all major towns in Poland, as well as through a wide network of agents. As regards development of competitive products, fast increase of agencies and growth in assets, you could easily call GETIN Bank the most dynamic bank in Poland.

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In the ranking of “50 largest banks in Poland” published in June 2007 by BANK monthly magazine, GETIN Bank came first in the “Retail Bank” category. GETIN Bank also came high in the ranking in other categories such as: “Banks financing the purchase of real estate” (3rd place for DOM – a subsidiary of GETIN Bank) and “Efficiency ranking” (2nd place). Mission and Strategy It is their mission to provide their clients full access to simple and modern financial products. The Bank's actions are based on this principle: "Many ways, one bank – GETIN Bank". It means that their products are available through many sales channels: in GETIN Bank establishments, through a qualified agents network and soon through the internet. GETIN Bank is a popular retail bank focused on individual clients, people who run enterprises, small and medium enterprises, local government and farmers. Ecbs.org has no relation with "European Committee for Banking Standards". See site Disclaimer. Fortis Bank Polska SA Address :ul. Suwak 3, 02-676 Warszawa, Poland Telephone :+48 22 566 90 00Fax :+48 22 566 90 10Website :http://www.fortisbank.com.plE-mail :[email protected] Swift Code:PPABPLPK Fortis Bank Polska SA Fortis Foundation Poland was set up in 2006. The Belgian government, in agreement with Fortis authorities, has decided to acquire full control over all the assets of Fortis Bank SA/NV, which directly controls Fortis Bank Polska SA. The Group's principal activity is the provision of corporate and institutional banking. It is engaged in banking transactions for domestic and foreign entities and individuals. Its services are divided into four categories: Personal Finance, Merchant &Private Banking, Corporate Banking and small and medium-sized enterprises. It offers deposits, credit cards services, mortgages, loans, pension and investment fund intermediary services, as well as e-banking, corporate cash management and investment financing, custody, leasing and brokerage services and others. The Group also specializes in the issuance of bonds and promissory note and check operations. The Group has one domestic subsidiary- Fortis Private Investments Polska SA and is active solely in the Polish market.

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Dominet Bank SA Address :ul Ksiecia Ludwika I-go nr 3, Lubin, 59-300, Poland Telephone :+48 076 840 4102Fax :+48 076 840 4103Website :http://www.dominetbank.pl Dominet Bank SA Dominet Bank S.A., part of the Fortis Group, is a modern national bank operating through a uniform network of more than 210 branches and delivering bundles of complementary financial products and services. Its operations are focused on providing services to individual customers and small and mid- sized businesses. Dominet Bank's offer includes savings accounts, deposits, investment funds, cash loans, car loans, credit cards and insurance products. The Bank offers its customers also motor insurance and life insurance, leasing, housing loans and a possibility to conduct express international money transfers through the Western Union network. Products of the Dominet capital group are distributed nationwide through a network of branches and agent outlets, run based on a unique partner outlet model. In every branch Customers are serviced by a team of professional and experienced financial advisors. Dominet Bank S.A. provides retail banking services. It offers a range of banking products, including car loans, cash and consumer loans, fixed term deposit, current accounts, and motor and life insurance, as well as leasing. Dominet Bank also offers deposit products, such as current accounts and term deposit; investment fund units, including systematic saving schemes; and mortgage loans. In addition, Dominet Bank provides online banking services to its customers which enables them to carry out one-off transfers, defined transfers, transfers to the social insurance institution and tax office, service deposits and loans, check the history of operations connected with the service, service the list of one-off codes, and other additional services. GE Money Bank SA Address :ul. Elzbietanska 2, 80-894 Gdansk, Poland Telephone :(58) 300 70 01Fax :(58) 300 71 20; 300 79 52 GE Money Bank SA The company's General Electric in the Polish financial services market was created in 1995, when the corporation became the owner of Solidarnosc Chase DT Bank. It was created on the basis of GE Capital Bank SA with its registered office in Gdansk, quickly gained the reputation and recognition of customers by offering them cash loans, installment, car and credit cards and insurance. A wide offer of the Bank and a high level of service, borrowers have been appreciated not only by clients but also by specialists, as demonstrated by the award was GE Capital Bank, a prestigious title "Best Bank 2003 in Poland" by the paper Bankowa. The natural step for simplifying the organizational structure in Poland, in line with global corporate strategy, General Electric, was the combination of GE with GE Capital Bank Housing Bank. As a result

16 Thirty Polish Banks – 2020 Program December 2105 of the merger in late 2004 and 2005, a GE Money Bank SA with its headquarters in Gdansk. The combination of banks that are leaders in their respective market segments has enabled the organization to create an even better meet the needs of the market, extremely stable, reliable and with excellent prospects for the future. A wide range of financial services, presented by GE Money Bank provides us a permanent place in the forefront of banking in Poland. Mission GE Money Bank's mission is to meet financial needs of the population and small enterprises through the provision of services. with the highest quality and rapidity. DZ Bank Polska Address :Pl. Pilsudskiego 3, 00-078 Warszawa, Poland Telephone :+48 22 505 70 00Fax :48 22 505 74 42Website :http://www.dzbank.plE-mail :[email protected] Swift Code:GENOPLPW DZ Bank Polska DZ BANK Polska S.A. is a strong and dynamic institution whose offer is addressed to companies and wealthy individual clients. They also specialize in corporate consulting and investment banking for institutional clients and financial institutions. To their Clients they offer comprehensive services, building on the wealth of experience and know-how of their parent company, DZ BANK AG of Frankfurt am Main, a major financial institution in Germany. DZ BANK Polska has not only a broad range of modern financial products, customer-friendly procedures, fast decision-making processes, a team of highly qualified staff and top quality services, but also excellent market knowledge and individual approach to the Client, which causes that the Bank's offer is always tailor-made. Mission DZ BANK Polska want to be the bank of first choice for sophisticated Clients, offering products and services as well as financial solutions of highest quality. They believe that satisfaction and success of their Clients is in the best interest of both theirr staff and shareholders. Values • Innovation • Cooperation • Integrity • Professionalism • Sustainable Development • Workforce

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Societe Generale SA Oddzial w Polsce Address :ul. Marszalkowska 111, 00-102 Warszawa, Poland Telephone :+48 22 5284000Fax :+48 22 5284444Website :http://www.sg.plE-mail :[email protected] Societe Generale SA Oddzial w Polsce SGCIB is the investment and corporate banking business of the Societe Generale Group, one of the largest banks in the euro-zone. SGCIB's uninterrupted presence in Poland dates back to 1976. SGCIB was one of the first foreign banks to launch operational activities in Poland in response to the political and economic changes of 1989. The Warsaw branch was created in October 1992. SGCIB provides a comprehensive banking service to companies and institutional investors. The bank's offer includes corporate and investment banking services. SGCIB is a leading bank on CP market. In 2006, SGCIB has regularly ranked among the leading Banks according to the value of papers placed on the market. SGCIB is a one of the leaders on the market of hedging transactions against currency and interest rate risk. It is also one of the main arrangers and co-arrangers of syndicated loans ensuring financing of large investment projects. SGCIB has been consistently expanding its regional network in Poland. At present, there are SGCIB offices in Wroclaw, Katowice, Cracow, Poznan and Gdansk. The offices are organised around the Warsaw branch. They focus their activity on corporate marketing, thus allowing the bank to develop business contacts with local customers by meeting their particular requirements. Société Générale Group employs more than 3000 people in Poland. SGCIB offers tailor-made financial instruments. A comprehensive offer presented by SGCIB in the form of individually chosen and mutually connected tools provides the customers with the most advantageous solutions. SGCIB's offer allows quick conclusion of transactions, safe cash management and placement of surplus resources. Currently, SGCIB is one of the most active arrangers of short- and medium-term debt origination programmes and a leader on the market of hedging transactions against currency and interests rate risk. SGCIB is also one of the main arrangers and co-arrangers of syndicated loans. Ecbs.org has no relation with "European Committee for Banking Standards" BNP Paribas Polska SA Address :Pl. Pilsudskiego 1, 00-078 Warszawa, Poland

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Telephone :+48 22 6972 308, +48 22 3212 308Fax :+48 22 6972 316Website :http://www.bnpparibas.plE-mail :[email protected] Swift Code:BNPAPLPX BNP Paribas Polska SA BNP Paribas is a strong, diversified bank and proud of our European roots. BNP Paribas is One of the largest international banking networks with strong positions in Asia and a significant presence in the United States. Today, it is the most profitable bank in the euro zone, in terms of both net income and market capitalization. BNP Paribas operates in over 85 countries, and has 162,700 employees including 126,600 in Europe - 64,100 in France, 18,300 in the United States and more than 8,800 in Asia. BNP Paribas boasts strong advantages, with its well-balanced and successful business portfolio, high potential of synergies through cross-selling, true control over costs, good command of risk, and strong dynamic towards innovation, all directed at serving its clients. BNP Paribas Polska is proud to be the first tier global relationship bank for many of their clients. Their targets include both corporates, with special emphasis on: • multinational companies • large Polish companies • exporters and importers • joint ventures • and Financial Institutions, comprising the following main sectors: • banks • insurance companies • pension funds • investment funds BNP Paribas Polska provides a wide range of different types of financing, along the following criteria: • tenor - short, medium and long term lines • currency - PLN, USD, EUR and/or other currencies, based upon individual arrangements • multicurrency - mix of currencies • availability - overdraft, short term advances • repayment schemes - bullet or amortisation in installments • purpose - working capital, investment, receivables based financing, • type - committed, uncommitted • export credit, based on KUKE insurance • syndicated credit facilities WestLB Bank Polska SA Address :ul. Rtm. W.Pileckiego 65, 02-781 Warszawa, Poland

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Telephone :+48 22 6530500Fax :+48 22 653 05 01Website :http://www.westlb.plE-mail :[email protected] WestLB Bank Polska SA WestLB is one of the largest banks in Germany, is present in over 30 countries. The Bank offers a full range of services for corporate clients on a world wide standard. WestLB Polska plays also an important role in Polish market of financial services. Eleven years ago WestLB started its operations on Polish market. The most important factor of Bank's profitable development is a good co-operation with Bank's clients. WestLB Polska aim is to broaden its client base and to develop a higher quality of services. WestLB Polska remains committed to working towards Polish cultural heritage and supporting selected charity initiatives. Services & Products WestLB Polska offer is being developed thank to new more sophisticated technology in banking services. The core business of WestLB Polska is wholesale corporate and investment banking. WestLB Polska is one of the few banks in Poland, which consciously adopt this focus. WestLB Polska's corporate clients include both Polish (state and private sector) and foreign companies. WestLB Polska work with Polish municipalities, drawing on WestLB's extensive experience in public sector in Germany. Deutsche Bank Polska SA Address :al Armii Ludowej 26, Warszawa, 00-609, Poland Telephone :+48 022 579 9000Fax :+48 022 579 9001Website :http://www.db- polska.plReportLocationDeutsche Bank Polska SA Deutsche Bank Polska SA is a bank that offers integrated investment services - corporate. The founder and owner of Deutsche Bank Polska SA, which began operations in Poland, 11 October 1995, is the largest German banks - Deutsche Bank AG, whose experience in the field of banking and financial services date back to 1870. Corporate Banking Deutsche Bank Polska SA on the basis of the more than 130 years of experience of the group of Deutsche Bank, offers a broad range of financial products and services with the highest standard, backed by professional knowledge deriving from experience of global financial group. Contemporary Corporate banking is the formulation of individual financial solutions for the most demanding

20 Thirty Polish Banks – 2020 Program December 2105 customers. Deutsche Bank Polska SA rules put into force by professional staff and their competence and consistency in action. Deutsche Bank Polska SA has significantly contributed to the successes achieved by the Group of Deutsche Bank. Once again appreciate the customers and the financial market. Investment Banking Deutsche Bank is a leading investment bank in the world. In Poland, the investment banking provide the following services:

• organizing and holding of shares and issuance of debt instruments in international markets, • financing for the acquisition of Polish and foreign entities • advice on mergers and acquisitions in Poland and abroad • advice on privatization in the handling of privatization transactions carried out by foreign investors in Poland • advice on acquisition and sale of large blocks of shares and shares of Polish and foreign companies listed on stock exchanges • Key products and services • Advice on mergers, acquisitions and privatization transactions • Capital Markets Shares • Financing of investment projects • Bond markets and debt instruments • Risk management • Derivative instruments transactions freight rates, and interest rates Bank Polskiej Spoldzielczosci SA Address :9/11B Plocka Str., 01-231 Warsaw, Poland Telephone :+48 22 53 95 100Fax :+44 22 53 95 222Website :http://www.bankbps.plE-mail :[email protected] Bank Polskiej Spoldzielczosci SA Bank Polskiej Spoldzielczosci S.A. with its headquarters in Warsaw was founded on 15th of March 2002 through a merger of Gospodarczy Bank Poludniowo-Zachodni SA with five Polish banks. Mission of Bank BPS S.A Bank BPS S.A. is based on the best native cooperative tradition, supporting and complementing the financial and human potential of affiliated cooperative banks. It is a reliable, competitive, secure and modern bank both for its customers and shareholders. Bank BPS provides its services to both individual as well as business customers – private companies, agricultural sector and public sector entities through 79 outlets located throughout the whole country.

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Among the shareholders of Bank BPS S.A. dominate cooperative banks which own together 87.3% shares, including affiliated banks - 80%. However, such foreign financial entities like DZ BANK AG or Credit Mutuel also play an important role amongst its shareholders. GMAC Bank Polska SA Address :ul. Strzegomska 42 c, 53-611, Wroclaw, Poland Telephone :+48 71 358 2222Fax :+48 71 358 2361Website :http://www.aigbank.com.plReportLocationGMAC Bank Polska SA AIG Bank Polska S.A., a retail bank, provides financial products and services to private individuals in Poland. It offers installment purchase and personal cash loans. The company is based in Wroclaw, Poland. AIG Bank focuses on the activities of consumer finance, consumer credit or for individual consumers. The Bank won a strong position in the market for cash loans and installment loans, and since September 2006, expands the number of regularly issued credit cards. AIG Bank also offers term deposits with attractive interest rates - both for individual clients, as well as institutional. AIG Bank Polska is present on the Polish market since 1998, Since then, regularly develops its business, expanding the range of products and services. AIG Bank Polska SA is one of the American International Group, Inc. The main shareholder is the Bank AIG Consumer Finance Group (AIG CFG), a company specializing in retail banking. Rabobank Polska SA Address :Al. Jana Pawla II, nr 27, 00-958 Warszawa 66, skr. poczt. 75, Poland Telephone :+48 22 653 50 00, +48 22 653 50 01Fax :+48 22 653 50 04Website :http://www.rabobank.plSwift Code :Rabo PL PWReportLocationRabobank Polska SA Although on the surface Rabobank Poland may look like just another bank, Rabobank Poland is in several ways different from most other financial institutions operating in this country. Rabobank Poland is fully owned by Rabobank Group, one of the larger financial service providers in the world. The group is the only privately held bank awarded with the highest possible credit ratings by leading rating agencies. Rabobank Poland is part of the group’s corporate and investment banking unit, which includes an international network of 143 branches in 34 countries. In Poland, like in most other offices world wide, we are mainly providing financial services to companies active in two industries: Food & Agribusiness and Telecommunication.

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By focusing all their efforts, including market research, to only these two sectors we are able to really create value to their clients. The combination of industry knowledge and in depth understanding of financial products has been proved to be an excellent base for creating tailor made financial services to our customers. Rabobank Poland is active in the following product areas:

• Investments and Working Capital Financing, including subsidized loan • Inventory and Receivable Financing • Structured Financing including off balance sheet and tax enhancing financing • Acquisition and Leveraged Financing • Merger and Acquisition advisory • FX and Money Market transactions • Rabobank Poland's goals Their goal is to be a leading bank in creating value to customers in their focus sectors. they would like to be recognized by Food and Telecom companies as the most sophisticated and reliable bank in Poland. To reach their goal they are very actively approaching their target markets to identify important developments and spot opportunities for providing tailor made financial solutions to companies. Relationship management, product development and market research are key elements in their niche strategy. Bank Gospodarki Zywnosciowej SA Address :ul. Kasprzaka 10/16, 01-211 Warsaw, Poland Telephone :+48 022 860 4000Fax :+48 022 860 5000Website :http://www.bgz.plE-mail :[email protected] Bank Gospodarki Zywnosciowej SA BGZ is a commercial bank, which has for years been among top ten largest banks in Poland. The purpose of the Bank is to strengthen its leading position in the agri-food sector, dynamically expand its branch network especially in small locations, as well as extend its product offer. These are the basic objectives of the Bank’s strategy for the years 2008-2012. Bank BGZ has a broad network of more than 250 branches and 20 outlets. Owing to an agreements concluded (with Bank Polskiej Spóldzielczosci S.A., Krakowski Bank Spóldzielczy, Mazowiecki Bank Regionalny S.A., Invest-Bank S.A. and Kredyt Bank), the Clients of the Bank can use a network of more than 2000 ATMs on a no-fee basis in the whole country.

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The Bank’s Clients are provided with modern and convenient banking solutions. They also have access to banking services through advanced IT solutions – Internet banking, telephone banking and Home Banking. Ecbs.org has no relation with "European Committee for Banking Standards". S Mazowiecki Bank Regionalny SA Address :ul. Elblaska 15/17, 01-747 Warszawa, Poland Telephone :+48 22 56 00 400Fax :+48 22 56 00 528Website :http://www.mrbank.com.pl Mazowiecki Bank Regionalny SA Mazowiecki Bank Regional SA, was established by a decision of the President of the National Bank of Poland of 18 June 1996 on the creation and making a public limited liability company statutes, and 15 July 1996, he was entered in the Commercial Register. MR Bank SA has 7 branches in Ciechanow, Lodz, Lowicz, Piotrkow Trybunalski, Plock, Radom, Warsaw, and a branch in Lódz. The clients are cooperative banks, individuals, private companies, as well as institutions of local government and State enterprises. They offer all customers a wide range of modern banking services, providing efficient service and high quality services. In the interest of small and medium-sized enterprises MR Bank SA has created a new product aimed to offer this group of customers. One of the most important elements of building a strong staff associations are, and improve their professionalism is key. The association employs experienced and professional workers, but given the above conditions MR Bank SA conducts numerous training. Mazowiecki Bank SA and the Regional Co-operative member banks traditionally are associated with individual regions. Co-operative banks have in their operation more than 130 years of tradition, which constitutes a great experience and knowledge of needs and problems of their customers, as well as the stability of their structure. Mazowiecki Bank Regional SA actively participates in the development processes taking place in their region. They participate in the financing of many projects which have a direct impact the development of infrastructure and economic activities of Association of the site. An example can be handled by the cooperative banks municipalities. Today, the prime task of the Bank SA MR is to work for the quality of customer service and speed of handling the accounts, which are one of the elements of the effective conduct of business.

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Volkswagen Bank Polska SA Address :Rondo ONZ 1, 00-124 Warszawa, Poland Telephone :+48 22 538-70-00Fax :+48 22 538-70- 70Website :http://www.vwbank.plE-mail :[email protected] Volkswagen Bank Polska SA Volkswagen Bank Polska was established in early 1998. Operations began 30 July 1998, after receiving a banking license from the National Bank of Poland. The share capital of the bank is 54.5 million USD. Volkswagen Bank Polska is part of the Volkswagen Financial Services AG and Kulczyk Pohnpeian BV Investment Management Board are: Jaroslaw Konieczka (Chairman of the Board), Przemyslaw Kowalczyk and Johannes Neumaier (Board members). Volkswagen Bank Polska perfectly familiar with the needs and requirements of customers buying a car on credit. Financing of vehicles is an area in which is the best specialist. Bank DnB NORD Polska S.A. Address :ul. Postepu 15C, 02 - 676 Warsaw, Poland. Telephone :+48 22 524 10 00Fax :+48 22 524 10 01Website :http://www.dnbnord.pl/ Bank DnB NORD Polska S.A. Bank's Profile Bank DnB NORD Polska started business activity in April 2002 and In November 2007 DnB NORD merged with BISE Bank - which has 17-years tradition on Polish banking market. DnB NORD is a dynamically developing bank. After merger with BISE it is universal bank, providing services for individual clients and corporates. For its foreign, corporate clients - the bank has dedicated offer, professional advice and the highest quality of operation. The bank’s main sphere of activity for corporates includes financing investment projects and the current operation of companies. The focus here is short- and medium-term financing and structured long-term financing adjusted to the needs of individual customers. The Bank also finances foreign trade operations, provides banking services to companies, and organises large credit syndicates. Beside financing, the Bank offers a modern online banking system NORD NET as well as hedging instruments for protecting against exchange rate and interest rate risks. The Bank endeavours to be its customers’ adviser and partner instead of merely supplying banking products. In the process of long-term developement, Bank DnB NORD Polska is taking particular care in the Bank's mission, strategic vision and the values.

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The Vision Bank DnB NORD Polska wants to be in the 15th biggest Bank in Poland. Bank DnB NORD Polska wants to be recognized as a dynamic, professional, solid Bank with a clear corporate culture. Mission Bank DnB NORD Polska offers high quality, modern, individualized range of specialized financial products and services, enabling high and efficient growth of customer business. They take challenges as chances. They are partners for their clients focusing on mutually beneficial relationship leading to increased competitive position of their clients on the market and resulting in successful execution of their business strategies. Values • Dynamics: They act professionally, effectively and quickly • Reliability: They build their bank on Trust and Fairness • Team spirit: They believe, together they are strong • Simplicity: They know that simple solutions are better than complicated structures

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