1. Improvement of the credit market in Poland Krzysztof Pietraszkiewicz President of Polish Bank Association Tel Aviv 14 June 2012

2. Area312 679 km 2 Population38 135 000 CapitalWarsaw, Population 1,702 mln CurrencyZłoty (PLN) = 100 groszy (gr.) Number of enterprises1,6 million Life expectancy79,7 women, 71,0 men GDP growth POLAND

3. Unemployment in Poland (1990-2011) % 3

4. 4 Inflation 1991-2011 Źródło: GUS, 585,5

5. National debt/GDP Źródło: GUS, 2009

6. Budget deficit/GDP

7. Polish financial system structure Źródło: NBP

8. Number of Polish banks

9. Deposits of the nonfinancial sector in millions PLN Źródło: NBP

11. Credits to deposits

12. Credits for nonfinancial sector Źródło: NBP

14. 14Employees Źródło: KNF, 2011

15. Own Funds in (mln PLN) Źródło: NBP

16. Assets in billions PLN Źródło: KNF, 2011r. 16

18. Number of active credits for house purchase

19. Total value of house purchase lending in millions PLN

20. Non-performing loans to loans in total Źródło: NBP

21. STRUCTURE OF EVERYDAY PAYMENT Źródło: NBP CASH CARDS PAYMENT ORDER

22. Card transactions value in millions PLN Źródło: NBP

23. Payment cards in Poland

24. Internet banking Źródło ZBP

25. www.bik.pl25 Bureau of Credit Information

26. THANK YOU