Bank BPH SA (BPH) is a commercial bank based in Poland. The company principally offers a wide range of commercial banking products which include mortgage loans, consumer loans, deposits, investment products, packages for individual and business customers, and real estate financing. It is also involved in providing financial services and leasing; issuance of payment cards; issuance of banking securities; issuance of convertible bonds; and purchase and sale of receivables. BPH also offers sale and purchase of property recovered from the mortgage. Furthermore, the bank also provides locker facilities for safekeeping of the valuables and provides consultancy services. It provides its clients with banking services via network of 300 branches, agents, advanced internet and phone solutions and also automated teller machines (ATM). On 31 December, 2009, BPH legally merged with GE Money Bank. BPH is headquartered at Cracow in Poland.