Adam Noga

Kredyt Bank SA engages in the provision of banking services addressed and tailored to the needs of individual customers, business entities, and local authorities. It operates through the following business segments: Retail, Corporate, Treasury, and Others. The Retail segment involves products for individual customers, private banking, and micro and small enterprises. The Corporate segment entails transactions with medium-sized companies (SME with annual sales revenue exceeding PLN 1 million, but not exceeding PLN 25 million), large companies (with total sales revenue exceeding PLN 25 million) as well as state budgetary units at central and local levels. The Treasury segment comprises the result of the transactions performed by the bank on its own account as an active participant of the money market (Treasury and NBP bills), bonds market (Treasury and commercial bonds), currency market and interbank market. The company was founded in 1990 and is headquartered in Warsaw, Poland

Part of HDI Haftpflichtverband der Deutschen Industrie VVaG, Warta Towarzystwo Ubezpieczen na Zycie S.A. provides life insurance services. The private company is based in Warsaw, Poland.

The Group's principal activity is the provision of information technology services and equipment, including the design, installation and implementation of software. It delivers comprehensive information technology solutions to large companies and government entities in Poland. The Group also provides financial services to related and non-related companies. It is active mostly in the Polish market. It has got a number of subsidiaries in Poland and one in Slovakia.