In środę, 3 March wasłand signed a charmingśyou in the presence ofśs Minister of Treasuryńyour, Pan Alexander City, agreement betweenębetween the Polish LNG SA and banks, receivingły Ołączność to provide funding for the construction of LNG terminal Świnoujściu. W enłcoming into the ad consortiumą Bank Pekao SA and PKO BP, FriłorąThis funkcję Banks Strukturyzujących and a group of 10 myęinternational financial institutions. Rising LNG terminal will receive natural gas pathą fierceą virtually any direction śyou know, przyczyniając isę to increaseększenia bezpieczeńPolish your energy.

In accordance with thełtheżeniami, Banking Strukturyzująthis mają Time for churchńca June 2010 years, that in cołworking with the Polish LNG SA, OGP Gaz System SA and the financial institutions defineśIfć ostateczną structureę funding and prepareć documents necessaryęon the lockęcia funding. The intention is, to finance the construction of LNG gas terminal byłthe formula w realizowane Project Finance. According to the existing initialępnych ustaleń bęIt will comeć with śmeasures inłown the project sponsor, ie. OGP Gaz System SA, European subsidies and financing extended by commercial banks and meęInternational financial institutions. Całkowitą worthść the project is estimatedę at about. 4 billion PLN, of which commercial banks in Mayą provideć ok. 2 billion PLN.

– Bank Pekao SA is one of the few banks in Poland, which is able to takeąć isę implementation so bigżego and ważment project for the Polish economy. To ourśexperience in structured finance and a solid capital basełwords likeą we have makesą, że jesteśus a natural partner for the largestęlarger institutions in their strategic projects – powiedział Andrzej Kopyrski, Managing Vice Presidentądu Bank Pekao SA, responsible for the Division of Bankingśs Corporate, Markets and Bankingśs Investment.

Project sponsor OGP Gaz System SA, a companyłka Treasuryńresponsible for your safetyńSafety supply of natural gas transmission networks, strategicłowymi. LNG SA is a Polish companyłtowardą purposesą powołaną the construction and continued operation of liquefied natural gas terminal in Świnoujściu. With the existing setń clear, żeużuser of the terminal responsible for the supply of liquefied natural gas to Świnoujścia, a nastęthen its receipt of the installation, bębe Polish Oil and Gas Company bęwill. Rising LNG terminal will receive natural gas supplied to the Polish roadą fierceą virtually any direction śyou know, przyczyniając isę to increaseększenia bezpieczeńyour country's energy.

Bank Pekao SA Actionłand from 80 years and is one of the largestęlarger banks in Europe ŚCentral-Eastern Europe and the leadingąCYM bank in Poland in the relativeędem market capitalization. Drug hasą as to the siześyour networką oddziałs (Over 1000 outlets in całaround the country) and networksą Over 3 800 Secłatnych ATMs in Poland and 19 000 in całacross Europe. Bank Pekao SA has more than 5 million customers, His achievements and numerous awards, m.in. gained three timesł tytuł Best Bank in Poland w roku 2005, 2008 and 2009 awarded by the magazine „Euromoney”, Ruban D'Honneur w kategorii The CMS Business of the Year w ramach European Business Awards 2008, Best Bank in Poland 2006 and 2009 Inventory „Global Finance” and three times the Bank of the Year in Poland Inventory „The Banker” (2009, 2008 in 2004 year). Bank Pekao SA shouldżs of the UniCredit Group, which is present in 22 countries, employs 180 thousand. people and operatełsupports over 40 million customers in more than 10 300 institutions.

Mondial Assistance offers holders Package Plan BG Agro BankŻ Insurance Assistance. It guarantees accessęp to a rich range of servicełmedical services in Polish, soże hotlines: legal, medical, weather and Agro Hotline.

- First to market a package of assistance offered to farmers in the bancassurance świadczy growląmore śUnknownśyour customers and popularśus usłassistance services. We are pleased, żand docierają These successive groups, Helpąc wciąż new people everyday żlife and work – powiedziałand Anna Morawska, Business Development Manager w World Assistance.

Package servicełAssistance Service is freełatny. To benefit from itć just filledłorć i signatureć deklarację accessionąAccession. All formalśyou take upą few moments. Insurance canże beenć objętake whatżof pełnoletnia person, Package plan holder Agro Bank BGŻ. For Realizationę all świadczeń corresponds to the Operations Center, Mondial Assistance.

– Comprehensive range of servicesłServices include medical assistanceą, soże enoughęp to the latest knowledge of permłAt the farmers, law and medicine. Newlyśusą, uruchomioną specifically for Agro Plan, Weather is a helpline. Każevery day Operations Center śtracking of meteorological phenomena 46 000 locallyśthose in Poland – powiedziałDaria the Oleszczuk, zastępca director of the department of financing agribusiness in BG BankŻ.

The medical, the insured canże countsć the provision of doctor visits, medical transport, visitsę skinęgniarki, organizację rehabilitation process, soże supplyę medicines or equipmentęHere rehabilitation. All costs, within the limits 2.000 ofł, cover the insurer.

Developed hotlines providingą enoughęp to expertise. For the followingśrednictwem możto obtainć moreę m.in. the: Baptismłatach directlyśmedium to agricultural land, Structural Funds, świadczeniach sickness and matrixńStates, wypadkowych, whether theseż information about business law. The hotline medical physician dyżurns Operations Center to answer questions regardingące include: medication, course youążs and preparing for treatments and researchń Medical.

Raiffeisen Bank Polska we współworking with UNIQA TU na Żforce SA offers customers bankingśyour private 2-year structured product in the form of group insurance żlife andżlife. Product called „BRIC – 4 the profit” can earnć the largest increases in ratesększych spółhotel from the BRIC countries.

Places BRIC, or Brazil, Russia, India and China, Mayą – by the universal opinion of economists – doskonałs prospects. They quickly than the economies of the West to overcomeężandłs the effects of global crisis and to play aą more więTGą roleę In śWorld economy. Asż their capital marketsłowe są more mature, a company listed therełk Mayą ofżs potentialł growth.

Exercise of such possibleżEligibilityśs investment banking and offers its customersśthese private Raiffeisen Bank Poland, oferując we współworking with UNIQA Insurance Societyń to Żforce a 2-year structured product in the form of group insurance żlife andżforce called „BRIC – 4 the profit”. Gains from investments dependenceżsee są from the behavior of the index S&P BRIC 40, in the skład-enter 40 largestębiggest and most płynnych spółhotel in Brazil, Russia, India and China.

The subscription period lasts until 5 March. The design of the product in the form of insurance causes, żE investor avoids the necessityści onłacenia 19% capital gains taxłthese. There is alsoż atłAt the acquisition and managementąManagement środkami. „BRIC – 4 the profit” provides protectionę capitałat the level 95% amount of insurance, the date of termination ofńconnection protection.

Preferred Partnership

WspółI workębetween groups of Raiffeisen and UNIQA initiatedąRecommend in Austria 1970 r. rozwinęłand theę in subsequent years in a very successful activityłania bancassurance. In Austria, by Augustć Raiffeisen banks sold a wide range of insuranceń, this differenceżne types of insuranceń to żlife, ubezpieczeń accident and Mayątkowych. Success in Austria, stał isę basesą the zacieśpressure increaseąmy zkówędzy Grupami UNIQA to Raiffeisen to arenie mięInternational and its expansion in Europe ŚCentral and Eastern Europe. GęThey stać both groups in this region, customer orientation are the retail andła brand – in thełąconjunction with a wide range of products – aą platformę for successfullyśgive full development of joint activityłań Bancassurance.

In Poland „Preferred Partnership” spółek UNIQA and Raiffeisen Group has alreadyż 6-yearą tradycję. UNIQA offers customers, employees and cołemployees of the Group Raiffeisen topżSheva asśus, modern and łatwe w obsł-use insurance products – to żlife and mayątkowe, soże includes obsłServiceą ubezpieczeniową spółki Raiffeisen Group. In turn, the Raiffeisen Group provides companiesłkom UNIQA and their customers servicełFinancial services, including products relatedąassociated with lendingśusą transakcyjną, inwestycyjną or so. matchowaniem enładki, soże usługi powiernicze, Leasing and Factoring.

Leszek Pomorski, formerly Vice President Managingądu ING Car Lease, on 15 February, wasł nominated for the position of President of the ManagingąOPSłki.

Pomeranian increaseązany is from ING Car Lease and for many years. In 2003 he was nominatedł CzłFellow ManagingąOPSłki, responsible for the area salesżyi Marketing. From March 2008 Friłorł Funkcję Managing Vice-Presidentąof. The result of his professional activity ¶ ci is the current fleet of ING Car Lease – today the company managementąspends more than 8000 vehicles.;Nomination for the post of President of the Managingądu du it for meżand wyróżtion and the sign of trust, What Darzą meładze ING Lease Holding  – Pomorski said.;The new position does not absolve me from responsibility for the sale of ¶ ciż Company. For its part, mayę obiecać, że doę everything to ING Car Lease fleet expandsłand theę growth continues.

Leszek Pomorski increaseązany is the market rental and leasing of vehicles for many years. In 1997 był one of thełtheżHertz Lease founders in Poland – one of the first companies to take upąconcerning practitionerę rent długoterminowym. Another of his successful career byłof thełtheżFacilities in 2000 the Prime Car Management Company, purchased followingęthen by the General Motors Corporation.

Długoletnie quite ¶ experience in the market and the leasing of vehicles resulted inłthe Nominacjaą the position of President of the Polish Zviąthe Union of Vehicle Renting and Leasing. Funkcję Tę Friłthan on March 2008.

Leszek Pomorski is a privately żonaty, no oneą, moralsłą córkę. Are interested inę musicianą jazzową, bluesem, sports motorowodnymi, and wy ¶ cigami formuły1.

Raiffeisen Bank Polska we współworking with UNIQA TU na Żforce SA offers customers private banking ¶ s 2-year structured product in the form of group insurance żlife andżlife. Product called „BRIC – 4 the return "can earnć the largest increases in ratesększych spółhotel from the BRIC countries.

Places BRIC, or Brazil, Russia, India and China, Mayą – by the universal opinion of economists – doskonałs prospects. They quickly than the economies of the West to overcomeężandłs the effects of global crisis and to play aą more więTGą roleę Â ¶ in World Economics. Asż their capital marketsłowe są more mature, a company listed therełk Mayą ofżs potentialł growth.

Exercise of such possibleżEligibility ¶ ci investment offers its clients a private banking ¶ ci Raiffeisen Bank Poland, oferując we współworking with UNIQA Insurance Societyń to Żforce a 2-year structured product in the form of group insurance żlife andżforce called „BRIC – 4 the profit ". Gains from investments dependenceżsee są from the behavior of the index S&P BRIC 40, in the skład-enter 40 largestębiggest and most płynnych spółhotel in Brazil, Russia, India and China.

The subscription period lasts until 5 March. The design of the product in the form of insurance causes, że inwestor unika konieczno¶ci opłacenia 19% capital gains taxłthese. There is alsoż atłAt the acquisition and managementąManagement  ¶ rodkami. „BRIC – 4 the return "provides protectionę capitałat the level 95% amount of insurance, the date of termination ofńconnection protection.

Preferred Partnership

WspółI workębetween groups of Raiffeisen and UNIQA initiatedąRecommend in Austria 1970 r. rozwinęłand theę in subsequent years in a very successful activityłania bancassurance. In Austria, by Augustć Raiffeisen banks sold a wide range of insuranceń, this differenceżne types of insuranceń to żlife, ubezpieczeń accident and Mayątkowych.; Success in Austria, stał isę basesą zacie ¶ pressure to increaseąmy zkówędzy Grupami UNIQA to Raiffeisen to arenie mięInternational and its expansion in Europe  | Central and Eastern Europe. GęThey stać both groups in this region, customer orientation are the retail andła brand – in thełąconjunction with a wide range of products – aą platformę ¶ to successfully give full development of joint activityłań bancassurance.;

In Poland „preferred partnership "companyłek UNIQA and Raiffeisen Group has alreadyż 6-yearą tradycję. UNIQA offers customers, employees and cołemployees of the Group Raiffeisen topżSheva as ¶ s, modern and łatwe w obsł-use insurance products – to żlife and mayątkowe, soże includes obsłServiceą ubezpieczeniową spółki Raiffeisen Group. In turn, the Raiffeisen Group provides companiesłkom UNIQA and their customers servicełFinancial services, including products relatedąassociated with banking ¶ cią transakcyjną, inwestycyjną or so. matchowaniem enładki, soże usługi powiernicze, Leasing and Factoring.

After the fourth quarters 2009 the company has developed a Fast Finance 17,3 zł million net sales to 9,4 zł million achieved in the same period last year 2008 (increase 85% r / r). Net profit for the period 4,5 mln zł, compared to 3,0 mln zł obtained 2008 r. (increase 47% r / r).

Fast Finance systematically implement plans for the transfer of shares from the regulated market NewConnect. Prospectus has been submitted to the Financial Supervision Commission 3 December 2009 r. The company's debut on the Warsaw Stock Exchange is planned for first half 2010 r.

?Fast Finance's financial results after the fourth quarters 2009 years show, that our business model is thought, and effective strategy for action. Forecast sales revenues started to 2009 realized in the years 104%. Maintain the steady increase in net profit and operating margin, which last year rose to nearly 53%. ? said Jacek Daroszewski, CEO of the company ?Currently, we focus on the transition from NewConnect on a regulated market, as well as the issuance of bonds, which is planned for this year. 15 January 2010 r. signed with the Brokerage House of Bank BPS contract for its execution. We intend to raise the bid 30 mln zł, and allocated them to buy another package of claims. " ? President adds Daroszewski.

The company has purchased in the fourth quarter 2009 r. Packed with a nominal value of claims exceeding 38 mln zł, but for the whole year 2009 a value close 112 mln zł. The nominal value of the package purchased during the four quarters of last year was higher by 49% in relation to the nominal value of purchased in 2008 years.

Selected financial data for the fourth quarter 2009 r.

From Wednesday, 17 February 2010 r. Bank Pekao SA will provide customers with innovative service – PekaoToken. This is a convenient and safe, while free way to authorize the transaction at the website of Pekao24. Relies on the generation of mobile phone one-time codes, designed to accept transactions in accounts held at Bank Pekao SA and Pekao Brokerage House.

PekaoToken has three advantages. Most importantly,high level of security, because each code generated by PekaoToken is unique and related only to the specific transaction request in the Pekao24, and access to the protected application is an individual PIN code. Secondly,PekaoToken is convenient. Requires no special equipment by customers, do not have to carry a card with codes TAN. Just a mobile phone with support for Java applications and internet services. Application supports most available on the Polish market for mobile phone models. In addition, the codes generated by PekaoToken are not exhausted – So do not miss them on the implementation of the planned operation. Thirdly,, after downloading an application from the Internet, PekaoToken use is free of charge, and the same authorization code generation is off line.

- Approval of operation using PekaoTokena is currently the most modern method of authorize. I, that if someone tries again, that's the old methods will not return. I am convinced that, that technological solutions for mobile devices are increasingly common in the Polish banking - Bartholomew said Nocoń, Director of Electronic Banking Department of Bank Pekao SA.

Existing users Pekao24 may amend the current method of authorize PekaoToken's website Pekao24, TelePekao through the consultant or the Division of Bank. New customers with this method will be offered as the default authentication operations (the bank's website). The bank sends the customer an SMS with a link to download the application. After you install it on your phone just PekaoToken activate a special code available on the site Pekao24, and then establish your own PIN code protects the application against unauthorized access.

More information about the service PekaoToken be available at the bankwww.pekao.com.pl. User manual is available after logging in to the site and the www.pekao.com.pl Pekao24, Section: electronic banking. There you can also find a list of telephone, that support the application PekaoToken.

Pekao24 is a service of Bank Pekao SA, which allows individual customers to access the account via the Internet and telephone. Every day, more than 300 thousand. people, Bank Pekao SA customers log on and realizes Pekao24 ok. 260 thousand. Operation. Monthly average sum of all the logins exceed 11 million.

Financial institutions are attracted new investments and personal accounts. Bring products to offer antybelkowe, new types of accounts and deposits with the growing interest. The greatest gains can, of course, expect the most active clients. Regular power supply is rewarded higher your interest rate, and open an account you can benefit from an additional package of services.

Active clients, for example, rewardsLukas Bank. His offer was aDeposit with the advantage, the interest rate is higher by 0.4 pp. from the standard deposit and is: 5% (for deposits in 6 months) or 5,5% (the annual investment). Interest rates on deposits will rise further 0,1 p.p., if the client will establish it by Internet or telephone. The minimum amount of deposits with the upside is 1 thousand. zł, while the maximum 15 thousand. zł. To create a new deposit, must have a personal account from the regular influence. For customers with Account Championships (former Account convenient) These receipts should be 1.200 zł, and at e-Account and Account LUKAS e-PLUS (old e-PRO Account) ? 2 thousand. Zł. The upside of an investment will be able to assume the person, who decide to open an account and declare monthly revenues in the above amounts.

About their clients also do not forgetGerman Bank, offering them in February, a lot of new deposit. At the beginning of February, the bank introduced new 3- in 6- monthly depositsdb Full Earnings the daily interest capitalization. The interest rate on deposit 3 months is 4,86%, Product 6- Monthly warrant to 4,455% annualized. This corresponds to the traditional investment rates (taxable capital gains) of respectively: 6% and 5,5% per year. The minimum deposit amount is 5 thousand. zł, in order to avoid the beams, the maximum amount of tax should not exceed 18 thousand. zł. New deposits can be opened in both branches of the bank, as well as via the telephone and the Internet. To create an investment, must have a personal account at Deutsche Bank. Db gain full deposit may be renewed, with interest at the time of renewal shall be in accordance with the terms and conditions applicable at the date of renewal. In the event of early termination interest on deposits will not be charged, and the client receives only the paid-up capital.

Introduction ?atybelek? in early February is not the only proposal, with which last went to the customerGerman Bank. Indeed, a week later modifiedoffer personal accounts, associated with creating accounts packages. Accounts to the new offer now consists of seven solutions: account for young peopledb Smart; Internetaccount dbNET, universalaccount db Open, accountdb Connoisseur ? for customers over 50. age, db Life primarily intended for zaciągających mortgages, db Investor ? investment products for those concerned and dedicated to private banking clientsdb Elite. Holders of four packets: dbNET, db Life, Invest db and db Elite can withdraw cash free of charge from all ATMs in the country and around the world, a national network of ATMs is available free of charge for using the package db Connoisseur. For holders of three packages: db Life, Invest db and db Elite has been prepared and the special offer credit, including mortgage. Customers, who choose to package db and db Invest Elite, may in turn rely on preferential terms to buy products. Account: db Smart, db Open, db Life, Invest db and db ConnoisseurYou can open a branch of Deutsche Bank PBC. dbNET is only available on the Internet, whiledb Elite Regional Investment Centers in Deutsche Bank PBC.

ProductsAllianz Bank of Poland joined, in turn, 12- Monthlyplace with increasing interest. It grows in the coming months of the deposit ? from 3,45% per year in the first month of savings, of 8% days. Average interest rate product is 5,47% annualized. In the event of early termination the client will receive investment interest in any full month during the, elapsed before the time of withdrawal from the deposit. An investment with rising interest rates can be assumed in the bank branch, by phone or internet banking service. The minimum amount of product is 3 thousand. zł.

New proposal for the customer is also Bank Millenium. Introduced an investment offers a two-year fixed-rate level 6% per year. The minimum amount ofOutstanding deposits is 1 thousand. zł, and the product can be assumed in the bank branches and through telephone banking.

Finamo SA, under contract with Home Broker, divested a part of enterprise, consisting of both assets, and obligations relating to the sales network, branches and support sales. As part of an organized company Finamo SA received cash, Finamo SA and shareholders options to increase the value of Home Broker.

After the transaction Finamo SA continues its activities and carrying out further talks with potential investors and partners, involved the acquisition of the Company or capital injections. Currently, the most important assets are Finamo: recognized brand, a comprehensive computer system for customer service and financial product distribution, Business Online, existing agreements with financial institutions and customer base.

?Factoring industry has entered into 2009 year with full knowledge of it facing the opportunities and risks. After the dynamic, even a record growth in the years 2006 – 2008 (+ 235%) the industry did not expect such a high growth rate in the year 2009 "Darius emphasizes Steć Board member Polfactor. ?Last year, turnover of the companies associated in the Polish Factors Association fell 8, 5%, while factoring market as a whole realized a turnover of about. 50 billion PLN recording a growth of 6.6%. "

The crisis in financial markets accounted for 2009 both threats and opportunities for the factoring industry in Poland. Threats were associated with increasing cost of money and the potential difficulty of factoring companies to obtain external financing. Another trend, which is characterized by the factoring industry 2009 year was increased monitoring of clients and customers factoring and cautious policy of risk assessment. Threat to the dynamics of turnover were also tightened the criteria used by insurance companies cooperating with faktorami, which resulted in restrictions on the offering factoring complete, hence such, where the factor assumes the risk solvency of the counterparty. Thus far the dynamically developed factoring companies and banks, in which the predominant product is the recourse factoring, that is, without recourse, the recipient of solvency, as exemplified by our business, which is concentrated in 2009 years of the invoice value of 4 129 million PLN (for comparison 3 451 million PLN in 2008), which is 20% growth yoy. In 2009 the company has developed much more dynamically than the entire factoring industry, steadily increasing its market share. The main product offered by our business is factoring with recourse, which in 2009 accounted for approximately 80% turnover. In this category, the product of directors is the market leader.

Forecast for 2010 year

?In 2010 year we expect the market growth of 10 – 15%. Polish Factors Association data show, that the turnover of firms that are members of this organization grew in the fourth quarter 2009 the 13% compared to the third quarter 2009, in addition, sales in the fourth quarter 2009 were higher for 6% than the same period in 2008 years. We can not forget about the new players that drive the market factoring, they will certainly increase its turnover in 2010 years, and thereby strengthen factoring in Poland. "