Expressing his confidence in the future, Bartosz Urbaniak, Head of the Agro & SME divi- sion, underlined: Our strength lies in our in-depth knowledge of our customers combined with the long-lasting relationships we forge with them. In this market it is very important to understand your clients needs. As part of BGZ BNP Paribas, we have all the products and services we need to serve our customers optimally. I am used to meeting large num- bers of farmers and many clients and I believe that this division will increase its role in the financing of the agriculture sector in Poland and the economy in general.

Corporate Banking

Today BGZ BNP Paribas Corporate Banking is composed of people, expertise and experi- ence from five banks: PPABank, Fortis Bank, BNP Paribas, BGŻ and Rabobank.

Each of these banks has played a significant role in the development of the Corporate Banking business. The establishment of PPABank laid the foundations for all the Bank s activities, Fortis contributed to business expansion going forward and brought a midcap European culture, while BNP Paribas added a global dimension, sophisticated solutions and access to a wide product range and steered the Bank in the direction of serving multinational and large local companies. Meanwhile BGZ has contributed its profound knowledge and extensive relations with agribusiness and Rabo worked closely with inter- national food & agribusiness players and local large caps.

The Corporate Banking division was originally set up by Fortis when it became the main shareholder of PPA Bank in 1999. In 2000, what were then known as Credit Bureaux were reorganised into three Business Centres: BC Warsaw, BC Małopolska (Kraków) and BC Zachód (Wrocław and Poznań). As the client base expanded, the need to be located in close proximity to clients led to the creation of additional BCs covering the whole of Poland. The current setup comprises nine Corporate Business Centres (three in Warsaw plus one in Kraków, Wrocław, Poznań, Gdańsk, Katowice and Lublin) and 9 additional remote locations.

The countrywide Corporate Banking network, covering not only strategic cities but also remoter locations, is geared to handle the broad spectrum of services offered by Corpo- rate Banking to all client segments covered. Getting close to the clients, understanding their business models and issues and knowing about specific local features are all pre- requisites for being able to provide perfectly tailored solutions right on time.

In 2005, the Customer Service initiative was created in order to ensure a personalised, value-added approach to client needs. Initially this covered only Warsaw but from 2008 onwards the Customer Service concept was incorporated into every Business Centre.

Client needs are absolutely central to the Corporate Banking approach. Corporate clients come from all segments, ranging from large to small companies, foreign-owned to local

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