BANKING AND FINANCE

Bank Pekao SA has been operating for 85 years, it is one of the largest financial institutions in Central and Eastern Europe. Given the strength of the measured capital adequacy ratio, the Bank Pekao is the leader among large banks in Poland and one of the strongest capital financial institutions in Europe (Core Tier 1 ratio at the end of the 4th quarter of At 17.3%).

The Bank has a network of over 1,000 branches across the country and offers its customers access to over 1,800 free ATMs in Poland and approx in 17 countries in Europe. In the group there are also Pekao, Poland's largest asset management company, a pension fund, two leading Polish brokerage houses, and companies engaged in the leasing and factoring.

Bank Pekao SA has won many prestigious awards and distinctions, both in Poland and internationally. In PeoPay application mobile payment Bank was named the 2014 financial innovation in the prestigious Golden Banker and mobile solutions Bank received first place in the ranking Bankier.pl. Bank Pekao has also received the title of "Most innovative Bank in CEE & CIS" magazine EMEA Finance. Bank Pekao was also honored for the fifth time in a row the title of Top Employers Poland in 2014.

BANK PEKAO AS THE FIRST CHOICE ENABLES TRADERS TO THE IMAGE ON THE CARDS Bank Pekao has introduced a unique market opportunity to choose the image on both debit cards and credit for micro and small entrepreneurs. Businesses can select the images for the most popular cards: Debit MasterCard Business issued to PLN accounts and credit MasterCard Business and MOTO Business. In the catalog there were 36 unique graphics grouped in lines: big cities, modern technology, animals, candy.

MISSION AND VALUES We are determined to build value for our customers. As a leading bank in Poland to participate actively in community development, in which we live and in creating the best jobs. We are committed to achieving the highest standards and consistently strive to implement simple solutions. The implementation of our commitments allows us to build sustainable value for all shareholders.

VOCABULARY bank balance – stan konta bank charges – prowizja banku bank statement – wyciąg z konta banknote (bill) – banknot be in the black – mieć wypłacalnym be in the red – mieć dług buck – dolar cash – gotówka cash dispenser – bankomat cashless – bezgotówkowy change – reszta checking account – rachunek bieżący cheque (check) – czek coin – moneta counterfeit money – fałszować pieniądze credit card – karta kredytowa currency – waluta current account – rachunek bieżący debt – dług deposit – wpłata deposit account – rachunek oszczędnościowy exchange rate – kurs walutowy

foot the bill – opłacić rachunek go bust – zbankrutować heads – reszka interest – odsetki interest rate – stopa procentowa loan – kredyt make a down payment – wpłacić zaliczkę money talks – pieniądze mają siłę przekonywania mortgage – hipoteka on the house – na koszt firmy overdraft – debet overpay – przepłacić piggy bank – skarbonka pocket money – kieszonkowe prepaid – w przedsprzedaży refund – zwrot pieniędzy savings account – rachunek oszczędnościowy standing order – zlecenie stałe stock exchange – giełda tails – orzeł teller – kasjer tip – napiwek watermark – znak wodny