We are the largest bank in Poland and one of the largest financial institutions in the region. Our strength rests on three strong pillars: the retail, the corporate and the investment segment. Irrespective of the unique nature of each of those areas, what joins them is the undivided attention they pay to the needs of their customers and clients, and their pursuit of superlative quality in customer service. Consistent campaigning established the ÒPKO Bank PolskiÓ brand as a virtual guarantee of the right banking partner choice, one that not only delivers the relevant products and services, but also provides capable support in financial and business decisions. The professionalism and the experience of our advisers help them meet their customersÕ expectations and to offer them the best available solutions. Though traditionally dedicated to retail customers, over the years PKO Bank Polski has also become a corporate finance leader of the Polish market. As at the end of 2012, the number our corporate clients exceeded 12,000. For years now, our corporate banking segment has participated in projects of major importance for the entire Polish economy. We have financed major investment projects, engaged in restructuring and recovery processes and have supported regional development through solutions dedicated to local government units. In 2012 we continued in activity that perpetuated our image of a true partner of the Polish enterprise and local government sectors, which we gained during the first wave of the financial crisis. At the heart of our corporate offer is our ability to engineer comprehensive solutions out of the products of the Bank and its Group Companies (factoring, leasing) of relevance to the differing needs of the various size companies: from small entities in the early stages of development to the largest corporates.