Consolidated financial statements for 2012 31.12.2012 Auditor’s opinion Report on the audit of the consolidated financial statements of Getin Noble Bank S.A. capital group for the 2012 financial year Directors’ report of the Getin Noble Bank S.A. capital group for the 12-month period ended 31 December 2012 Consolidated financial statements for the year ended 31 December 2012 with the auditor’s report