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The best advertisement - The Customer speaks for us!

In September 2005 in Polfactor SA there was conducted a survey concerning customers' satisfaction with Polfactor SA.

As a result of the survey, 90% of our customers claimed to be satisfied and exceptionally satisfied with their cooperation with Polfactor SA. For the purpose of comparison, in 2003 there were 66% such customers.

The following elements considerably influenced Polfactor SA customers' satisfaction: phone access to persons responsible for contact with the company (87% of respondents said so, which is similar to 2003 results), short term of prepayment rates delivery (90%) and employees' competence (86%), in 2003 respectively (70% and 72%).

The following factors played a decisive role in choosing the factoring company Polfactor SA: personal contact on the part of Polfactor (40% of respondents said so) and the best offer and service (37%). In the last survey from 2003 only one in three respondents indicated the personal contact on the part of Advisor to be an important factor.

Important and very important factors accounting for customers' use of factoring are among others: long payment terms (83% of respondents), capital needs (81%), and an insufficient crediting in banks (54%).

9% increase in Polfactor SA after 3Q of 2005.

After nine months of 2005 Polfactor SA achieved the total turnover of PLN 1,733 million and it was 9% higher than in the corresponding period of 2004.

The highest dynamics was noted in import factoring, where turnover increased by 43%.

After nine months of 2005 the balance sheet sum increased by 19% up to PLN 367 million in comparison to the corresponding period last year.

In the said period of time the company purchased 43% more invoices than in the corresponding period, i.e. more than 200 thousand invoices.

Polfactor has been invited

Polfactor has been invited to the BRE Bank Group's Employees Picnic which took place on 17 September this year. This time, Polfactor has decided to present the multiculturalism of the factoring group, being part of BRE Bank, and, by doing so, outline the culture, language and customs of the countries in which the companies associated with Intermarket Bank operate.

The yodelling contest turned out to be the most welcome idea. Some of the participants were so gifted and successful in this field that they exceeded the organizers' wildest expectations. The tasting of Hungarian wines not only made the voices of the people yodelling high timbered, but also happened to be helpful to those participating in Hungarian lessons who lacked the courage.

We would like to thank the whole Intermarket Group for sponsoring all the beautiful prizes, thanks to which we were able to demonstrate how many countries of Central Europe we operate in.

The following poem was used to encourage people to visit Intermarket Group:

Lots of contests and surprises
Are gladly waiting for you here!
And all this to have a picnic
In familiar atmosphere!

If your throat is sound and healthy,
Wet your whistle with good wine
Join one of our competitions
Win a prize and you'll be fine!

In Slovak and Hungarian we'll have some fun together
And if you want some "Yodelling"
We'll teach you to get better!
If you want to find us quickly you definitely should
seek Polfactor on the easel
And our Multiculturalism will dispel your doubts for good!

All the Countries of Intermarket Group united here that day
Will be truly honoured to be your host and welcome you to stay!!!

Polfactor SA goes up.

During Annual Meeting 2005 of Factor Chain International (FCI) final results of quality factor's ranking were presented. The ranking reflects our assessment done by cooperating factors as far as the quality of our service is concerned.

Our results are as follows:
1/ ranking "2005 Export and Import Factor of the Year Award" - 15th position vs. 110 factors from all over the world (in 2003r - 61st position vs. 87, in 2004 r - 26th position vs. 93)
2/ ranking " Import Factor Improvement 2005 vs. 2004" - 11th position (increase in quality by 8,68%).
3/ ranking "Export Factor Improvement 2005 vs. 2004" - 5th position (increase in quality by 15,04%).

Polfactor's 10th Anniversary

The gala celebrating the 10th anniversary of Polfactor SA took place on 1 April 2005 in the Sheraton Hotel. We spent that special day with our clients, our shareholders, the representatives of factoring companies associated with FCI and the companies we cooperate with.

The celebration of the anniversary was accompanied by the most beautiful chamber orchestra in the world, the exclusively female Polish Chamber Orchestra "Sotto Voce", conducted by Grzegorz Olkiewicz. By performing a varied repertoire of classical chamber music, both Polish and worldwide, those 23 beautiful women created a unique and special atmosphere, which made us reflect upon the fact that 10 whole years have already passed…

Very special welcome speeches, full of interesting anecdotes and nostalgic memories concerning the history of Polfactor, were delivered by Ms. Elżbieta Urba𲪡 - President of the Board of Polfactor SA, Mr. S3awomir Lachowski - President of the Board of BRE Bank SA and Mr. Theo Hibler - President of Intermarket Bank AG, Chairman of the Supervisory Board of Polfactor SA. Following their speeches, Ms. Ma3gorzata Szyma𲪡 - Polfactor's Sales Director - opened the second part of the event with the command: "Let the cooks sound a fanfare!".

But this was just the beginning of the attractions! Happy Birthday to Polfactor sung by Marilyn Monroe, whom we "got" as a present from one of our clients, caused spontaneous singing applause among the guests, the birthday cake accompanied by champagne were exquisite, especially when songs were sung by Freddie Mercury and Elvis Presley, under Krzysztof Skiba's baton.

The official part of the evening was crowned with a concert given by Anna Maria Jopek who delighted not just the male but also the female part of the audience with her performance, great voice and subtlety.

Our Management Board and all Polfactor's Staff Members would like to give thanks for participating in this event to the representatives of BRE Bank SA Management Board and Supervisory Board, to the Bank's Directors, the Directors and Deputy Directors of all the BRE Bank's Branches and the member companies of BRE Bank Group, to the representatives of Intermarket Bank, Magyar Factor, Transfinance Czech Republic and Transfinance Slovakia, as well as the representatives of the factoring companies associated with FCI, especially Mr. Dirk Driessens - the President of FCI Executive Committee. However, our warmest and most special thanks are addressed to our Clients, who gathered here from all over Poland and often had to travel hundreds of kilometres to reach the destination on that special day. Thank you all. Stay with us for the next 10 years!