GENERAL MEETING DRAFT - Bankier.pl

The new organizational model is being developed to be fully consistent with the changing environment
described, and its aim is to strengthen CIB's position as one of the major European players in the
wholesale segment by leveraging its local presence in reference markets and its excellent operational and
product skills in order to contribute to the Group in terms of the creation of value that is sustainable over
time.
In the context of the widespread deterioration of many loans in major reference markets, a key role is
played by F&A, through which CIB is aiming to establish even more effective cooperation with the lending
division (CRO Competence Line) for the assumption and monitoring of credit risk from a business
standpoint. F&A has also been given responsibility for pricing, both in terms of direct involvement in
structuring all the most complex loan products, and in a supervisory role by providing guidelines for
setting prices for simpler products and less sophisticated customers in order to ensure a growing shift
toward counterparties with a high credit standing, and to maintain a strong emphasis on value creation.
In spite of the 2010 financial markets outlook, Markets product line should post sound results for the
Group, even if lower than 2009 ones that benefited of exceptional positive market condition. The good
performance should be driven by the optimization and re-positioning of Markets’ activities, already in
place in 2009, and by the introduction of strategic iniziatives aimed at strengthening client driven business
and core activities..
Proper measures to address the new, and less favorable, regulatory framework have already been taken
by GTB in relation to the PSD Directive coming into full force in 2010. Again in 2010, the specific goals for
this business area are still to continually upgrade technological platforms and develop high-value-added
solutions for customers (e.g., integrated eBanking and Trade Finance services) with resulting high growth
rates and the potential to acquire new customers.
While Leasing continues its special program aimed at preventing and reducing the deterioration of
irregular loans through soft collection measures, payment "restructuring" and the selling of companyowned
assets in the market, its new organizational structure emphasizes the establishment of an
international leasing network to serve customers with the aim of supporting operating companies
worldwide in the management of international leasing transactions and promoting the development of
supranational cooperation agreements with leading industrial and commercial companies.
2009 CONSOLIDATED REPORT AND ACCOUNTS
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