Reported net profit after 9 months at PLN 6.9 billion including PLN 3.3 billion of CHF legal risk provisions and PLN 0.5 billion of credit holidays

Continuation of double-digit core income growth, also driven by increase of fee and commission income by 13.8% y/y

Retail loans growth by 14% y/y, corporate loans starting return to growth

Reported ROE at 19.3% achieved while maintaining solid capital base with Tier 1 at 17.35%

Further improvement C/I ratio to 29.7% and decrease of CoR to 43 bps