sentences:  In the city, there are 38 banks represented through a network of 116 branches (including the headquarters of the Postal Bank), whilst 37 insurance companies also have offices in the city.JP Morgan Chase, one of the largest financial institutions in the world, has established a branch in Bydgoszcz.Most industrial complexes are scattered throughout the city, however, the 'Zachem' chemical works deserve attention, covering tens of square kilometers in the south-east of the city, the remnants of the German explosives factory built in World War II occupy an area which has its own rail lines, internal communication, housing, and large forested area.