Prospectus - Notowania

Retail Business
Total savings in the Retail Business Line grew by 3.8% in 9 months of 2009 both in deposits (up by 1.1%) and mutual
fund volumes (up by 17.9%). Deposit growth was supported by the marketing campaign for the Dobry Zysk “Good
Profit” savings account at the beginning of the year and the launch of a new line-up of Eurokonto packages with a wide
spectrum of accounts to suit the needs of all consumer segments. Since April 2009 further signs of improvement in the
Mutual Funds market in Poland were observed, which allowed to improve sales results. In the Retail gross sales
amounted to ca. €142 million in Q3 (up by 22,4% q/q) and positive net sales were up by €8.4m or 20.2% q/q.
Total loans increased by 3.3% YTD and 8.2% compared to September 30, 2008. The continuing commercial focus on
consumer loans supported by the Easter and September marketing campaigns enabled the increase in the consumer
loans stock of 16.8% YTD and 25.0% in the last 12 months. The stock of PLN mortgages increased by 11.9% YTD
and 15.0% compared to September 30, 2008 with continued strong focus on the profitability of new production.
The Retail Business Line successfully launched the new operational CRM - “UNISales” system. This innovative tool
integrates the work environment of the sales network, successfully supports relations with customers and the
coordination of the sales activity of more than 10,000 employees of the Retail Business Line.
CONSOLIDATED INTERIM REPORT
AS AT SEPTEMBER 30, 2009
74