Consolidated financial statements for 2013 31.12.2013 Auditor`s opinion and report on the audit of the consolidated financial statements of Getin Noble Bank S.A. capital group for the 2013 financial year Directors’ report of the Getin Noble Bank S.A. capital group for the 12-month period ended 31 December 2013 Consolidated financial statements for the year ended 31 December 2013 with the auditor’s report