The following facts confirm a strong and stable position of Bank Handlowy w Warszawie S.A. operating under the brand name of Citi Handlowy and positively distinguish the Bank from other financial institutions in Poland.

• Independent analysts point out that Citi Handlowy, with its stable capital base, positively distinguishes itself from other financial institutions in the market, and that it is one of the most liquid companies in the Polish market.
• The Bank's solvency and liquidity ratios are regularly monitored and they are well above the regulatory minimums.
• Citi Handlowy's solvency ratio is second highest among the largest Polish banks. As at the end of Q2, 2008 it was 11.6%, compared to the regulatory minimum of 8%. The solvency ratio for the entire banking sector was 10.8%.
• As at the end of Q2, 2008 Citi Handlowy's loans to deposits ratio was 69%, one of the lowest in the market. It means that we have a large surplus of deposits and we are able to meet our obligations on time, even if due immediately.
• Citi Handlowy is one of few banks in the market enjoying very high liquidity, which means that we are currently one of the largest "donors" of capital. This means that we are one of the banks that can lend their financial surpluses to other banks in the interbank market. The high-enough liquidity ratio makes the company resistant to the challenging financial environment.
• Citi Handlowy maintains stable asset growth.
• Citi Handlowy is the third largest bank in the market in terms of equity.

Citi Handlowy is a strong and stable company that is actively managed by a team of professional managers, which is the best recommendation for every Client who is looking for safety for his money.