In Q3 2012, BRE Bank Group made a net profit of PLN 280 million with an income of PLN 917.7 million. In Q1-3 2012, the profit attributable to the shareholders of the bank was PLN 930.7 million, an increase of 9.5 percent year on year. The number of the bank’s clients crossed the mark of 4 million for the very first time. In addition, BRE successfully completed an issue of euronotes worth EUR 500 million. Corporate and Investment Banking  In Q3 2012, the Corporate Clients and Institutions segment reported a pre-tax profit of PLN 109.9 million. It was yet another quarter where we increased the number of served companies significantly: by 229 clients. Nearly 15 thousand corporate clients now use BRE Bank services. Business expansion is also demonstrated by growing deposits (up by 5.1 percent quarter on quarter) and loans (up by 2.8 percent). In Q3, BRE Bank started to offer the iBRE News information service integrated with the iBRE internet banking platform. The service is dedicated to corporations, small and medium-sized enterprises, and local governments. It provides access to an aggregate stream of market information published by leading information services around the world. The Global Finance magazine named the iBRE FX currency exchange platform the best solution of its kind in Poland. Retail Banking In Q3 2012, the Retail Banking Line generated a pre-tax profit of PLN 228.5 million, similar to the profit of Q2. The growing income was a profit driver. The pre-tax profit on banking operations was record-high at PLN 517 million after Q3. From July to September 2012, mBank and MultiBank acquired 40 thousand clients in Poland and close to 10 thousand clients in the CzechRepublic and Slovakia. As a result, the bank now serves over 4 million retail clients. New products on offer include credit cards participating in Europe’s biggest loyalty programme Miles&More; non-BRE clients are offered non-secured loans granted online in a simplified credit procedure. Net retail non-secured loans increased by 17 percent year on year. With new attractive savings products, the retail deposit base also increased (by 20 percent year on year). The bank promotes term deposits and a regular saving programme (mSaver, MultiSaver) where clients can save on the go as they spend. The product is already used by over 100 thousand clients and we are opening new accounts every day. This suggests that Poles know how to save if they are offered an attractive product. In September, the BRE Group retail banks once again won the Newsweek Friendly Bank ranking. MultiBank was named the most friendly traditional bank and mBank the mobile banking leader and the second best internet bank.Financial results