Credit Agricole Bank Polska Bond Issue

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EBRD will consider participation in bond issues until the end of 2013 under the Medium Term Notes (“MTN”) Programme of Credit Agricole Bank Polska S.A. (“CABP”), subscribing to not more than 30% in each bond issue. The MTN Programme aims at (i) diversifying the funding base of CABP (ii) decreasing CABP’s dependency on parent funding (iii) strengthening its balance sheet with a longer-tenor funding base matching the tenors of long-term MSME and rural loans and (iv) providing fixed-rate funding for fixed-rate based assets. The project shall also support CABP’s development into a bank offering rural and SOHO (Small Office/Home Office clients) lending in line with its new strategy. The main transition rationale for the EBRD’s involvement is: Credit Agricole Bank Polska, a Poland-based bank, has historically focused on consumer lending and is currently evolving into a universal bank. CABP has total assets of PLN 13.8 billion, equity of PLN 1.5 billion and net income for H1/2013 of PLN 107 million. CABP is ranked 16th in terms of asset base, 10th by banking revenues and 11th by net income in Poland by its own account. Not more than 30% of a single bond issue. PLN 2 billion. Categorised FI. CABP will be required to comply with the EBRD's Performance Requirements 2 and 9 and submit annual environmental and social reports to the EBRD. None. Maciej Zatorski, Institutional Clients Relations Director Tel: +48 22 573 17 15 Email: mzatorski@credit-agricole.pl