In the IIQ 2015, the PKO Bank Polski Group generated a net profit of PLN 703 million, which represents an increase of 8.6% q/q. The Bank strengthened its leading position in the deposit market throughout the IH 2015. Thanks to the high level of new cash loans, SME and corporate loans, it also cemented its leading position in the loan market. At the same time, consistent improvement in the quality of loan portfolio contributed to a decline in cost of risk, which amounted to 0.82 percentage points in the IH 2015. We are glad to report the increase in the number of credit and debit card transactions of the Bank's customers. PKO Bank Polski is the largest issuer of payment cards in Poland.