mBank S.A. — AGM Information 2025

Feb 28, 2025

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') 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          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:0pt; line-height:10.97pt;"): Dear Shareholders,
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          • span (class="awspan awtext002", style="font-size:9pt; left:344.46pt; top:0pt; line-height:10.97pt;"): Polish
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          • span (class="awspan awtext002", style="font-size:9pt; left:78.53pt; top:50.46pt; line-height:10.97pt;"): deposit
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:112.26pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:114.94pt; top:50.46pt; line-height:10.97pt;"): offer
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:135.73pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:138.41pt; top:50.46pt; line-height:10.97pt;"): allowed
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:174.4pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:177.08pt; top:50.46pt; line-height:10.97pt;"): for
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:189.38pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:192.06pt; top:50.46pt; line-height:10.97pt;"): improvement
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          • span (class="awspan awtext002", style="font-size:9pt; left:257.49pt; top:50.46pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:266.18pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:268.86pt; top:50.46pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:283.88pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:286.56pt; top:50.46pt; line-height:10.97pt;"): net
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:301.72pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:304.39pt; top:50.46pt; line-height:10.97pt;"): interest
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:338.91pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:341.59pt; top:50.46pt; line-height:10.97pt;"): margin
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:375.76pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:378.44pt; top:50.46pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:390.62pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:393.3pt; top:50.46pt; line-height:10.97pt;"): 16
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:402.03pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:404.71pt; top:50.46pt; line-height:10.97pt;"): basis
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.32pt; left:428.09pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:430.77pt; top:50.46pt; line-height:10.97pt;"): points
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:63.08pt; line-height:10.97pt;"): compared
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          • span (class="awspan awtext002", style="font-size:9pt; left:53.86pt; top:63.08pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:62.99pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:69.02pt; top:63.08pt; line-height:10.97pt;"): 2023
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:90.27pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:96.3pt; top:63.08pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:105.43pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:111.46pt; top:63.08pt; line-height:10.97pt;"): 4.35%.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:138.85pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:144.87pt; top:63.08pt; line-height:10.97pt;"): Net
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:161.12pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:167.14pt; top:63.08pt; line-height:10.97pt;"): commission
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:222.74pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:228.76pt; top:63.08pt; line-height:10.97pt;"): income
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:263.24pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:269.26pt; top:63.08pt; line-height:10.97pt;"): was
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:287.63pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:293.65pt; top:63.08pt; line-height:10.97pt;"): higher
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:323.48pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:329.5pt; top:63.08pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:341.68pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:347.7pt; top:63.08pt; line-height:10.97pt;"): 2.9%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:367.66pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:373.69pt; top:63.08pt; line-height:10.97pt;"): year-on-year
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.66pt; left:434.79pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:440.81pt; top:63.08pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:75.7pt; line-height:10.97pt;"): approached
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:56.54pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:58.66pt; top:75.7pt; line-height:10.97pt;"): PLN
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:77.74pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:79.87pt; top:75.7pt; line-height:10.97pt;"): 2.0
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:92.85pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:94.97pt; top:75.7pt; line-height:10.97pt;"): billion.
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          • span (class="awspan awtext002", style="font-size:9pt; left:126.66pt; top:75.7pt; line-height:10.97pt;"): Elevated
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:166.5pt; top:75.7pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:191.63pt; top:75.7pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; left:239.7pt; top:75.7pt; line-height:10.97pt;"): client
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          • span (class="awspan awtext002", style="font-size:9pt; left:323.27pt; top:75.7pt; line-height:10.97pt;"): processes
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:367.9pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:370.03pt; top:75.7pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:388.42pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:390.54pt; top:75.7pt; line-height:10.97pt;"): intermediation
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:88.31pt; line-height:10.97pt;"): in
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          • span (class="awspan awtext002", style="font-size:9pt; left:11.18pt; top:88.31pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:26.2pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:28.73pt; top:88.31pt; line-height:10.97pt;"): sale
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:47.04pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:49.58pt; top:88.31pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:58.27pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:60.8pt; top:88.31pt; line-height:10.97pt;"): products
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:101.41pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:103.94pt; top:88.31pt; line-height:10.97pt;"): were
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:126.33pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:128.86pt; top:88.31pt; line-height:10.97pt;"): offset
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:153.93pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:156.46pt; top:88.31pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:168.64pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:171.17pt; top:88.31pt; line-height:10.97pt;"): positive
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:206.1pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:208.63pt; top:88.31pt; line-height:10.97pt;"): dynamics
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:254.66pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:257.19pt; top:88.31pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:265.89pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:268.42pt; top:88.31pt; line-height:10.97pt;"): fees
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:286.74pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:289.27pt; top:88.31pt; line-height:10.97pt;"): from
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:311.26pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:313.79pt; top:88.31pt; line-height:10.97pt;"): payment
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:357pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:359.53pt; top:88.31pt; line-height:10.97pt;"): cards,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:386.67pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:389.2pt; top:88.31pt; line-height:10.97pt;"): bank
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.17pt; left:412.74pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:415.27pt; top:88.31pt; line-height:10.97pt;"): accounts,
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:100.93pt; line-height:10.97pt;"): transfers, lending activity and insurance.
        • div (class="awdiv", style="top:504.05pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:0pt; line-height:10.97pt;"): We
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:15.44pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:19.13pt; top:0pt; line-height:10.97pt;"): maintained
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:73.26pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:76.96pt; top:0pt; line-height:10.97pt;"): leading
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:111.8pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:115.49pt; top:0pt; line-height:10.97pt;"): operational
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:168.74pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:172.44pt; top:0pt; line-height:10.97pt;"): efficiency,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:218.6pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:222.29pt; top:0pt; line-height:10.97pt;"): as
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:232.75pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:236.45pt; top:0pt; line-height:10.97pt;"): evidenced
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:283.56pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:287.26pt; top:0pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:299.43pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:303.13pt; top:0pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:318.15pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:321.85pt; top:0pt; line-height:10.97pt;"): cost-to-income
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:390.94pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:394.64pt; top:0pt; line-height:10.97pt;"): ratio
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:415.86pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:419.56pt; top:0pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.34pt; left:428.25pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:431.95pt; top:0pt; line-height:10.97pt;"): 28.2%.
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:12.62pt; line-height:10.97pt;"): Despite
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:34.65pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:37.26pt; top:12.62pt; line-height:10.97pt;"): significant
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:85.22pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:87.83pt; top:12.62pt; line-height:10.97pt;"): inflationary
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:141.53pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:144.14pt; top:12.62pt; line-height:10.97pt;"): pressure,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:185.24pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:187.85pt; top:12.62pt; line-height:10.97pt;"): we
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:201.2pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:203.8pt; top:12.62pt; line-height:10.97pt;"): managed
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:249.54pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:252.15pt; top:12.62pt; line-height:10.97pt;"): spending
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:295.38pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:297.99pt; top:12.62pt; line-height:10.97pt;"): within
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:326.56pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:329.17pt; top:12.62pt; line-height:10.97pt;"): approved
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.25pt; left:373.36pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:375.98pt; top:12.62pt; line-height:10.97pt;"): limits
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          • span (class="awspan awtext002", style="font-size:9pt; left:403.42pt; top:12.62pt; line-height:10.97pt;"): and
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          • span (class="awspan awtext002", style="font-size:9pt; left:424.42pt; top:12.62pt; line-height:10.97pt;"): defined
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          • span (class="awspan awtext002", style="font-size:9pt; left:41.74pt; top:25.23pt; line-height:10.97pt;"): Total
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:64.52pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:66.59pt; top:25.23pt; line-height:10.97pt;"): costs
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:89.59pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:91.66pt; top:25.23pt; line-height:10.97pt;"): increased
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:136.42pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:138.48pt; top:25.23pt; line-height:10.97pt;"): in
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:147.13pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:149.2pt; top:25.23pt; line-height:10.97pt;"): relation
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:184.51pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:186.58pt; top:25.23pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:195.71pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:197.78pt; top:25.23pt; line-height:10.97pt;"): 2023
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:219.04pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:221.1pt; top:25.23pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:233.28pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:235.35pt; top:25.23pt; line-height:10.97pt;"): 10.2%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:259.04pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:261.11pt; top:25.23pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:270.24pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:272.31pt; top:25.23pt; line-height:10.97pt;"): PLN
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:291.39pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:293.46pt; top:25.23pt; line-height:10.97pt;"): 3.4
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:306.39pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:308.46pt; top:25.23pt; line-height:10.97pt;"): billion.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:338.02pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:340.09pt; top:25.23pt; line-height:10.97pt;"): Compulsory
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.29pt; left:396.33pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:398.4pt; top:25.23pt; line-height:10.97pt;"): contributions
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          • span (class="awspan awtext002", style="font-size:9pt; left:24.16pt; top:37.85pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:36.33pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:39.67pt; top:37.85pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:54.69pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:58.03pt; top:37.85pt; line-height:10.97pt;"): bank
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:81.57pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:84.91pt; top:37.85pt; line-height:10.97pt;"): were
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:107.3pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:110.64pt; top:37.85pt; line-height:10.97pt;"): down
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:136.52pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:139.86pt; top:37.85pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:152.04pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:155.38pt; top:37.85pt; line-height:10.97pt;"): 19.3%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:178.55pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:181.89pt; top:37.85pt; line-height:10.97pt;"): year-on-year
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:242.99pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:246.33pt; top:37.85pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:264.72pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:268.06pt; top:37.85pt; line-height:10.97pt;"): only
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:288.42pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:291.76pt; top:37.85pt; line-height:10.97pt;"): included
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          • span (class="awspan awtext002", style="font-size:9pt; left:334.93pt; top:37.85pt; line-height:10.97pt;"): a
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:340.99pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:344.33pt; top:37.85pt; line-height:10.97pt;"): charge
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          • span (class="awspan awtext002", style="font-size:9pt; left:380.11pt; top:37.85pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:389.24pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:392.58pt; top:37.85pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.98pt; left:407.6pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:410.94pt; top:37.85pt; line-height:10.97pt;"): Resolution
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:50.46pt; line-height:10.97pt;"): Fund
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          • span (class="awspan awtext002", style="font-size:9pt; left:27.25pt; top:50.46pt; line-height:10.97pt;"): set
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          • span (class="awspan awtext002", style="font-size:9pt; left:43.76pt; top:50.46pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:55.93pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:59.1pt; top:50.46pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:74.12pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:77.29pt; top:50.46pt; line-height:10.97pt;"): Bank
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:101.36pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:104.53pt; top:50.46pt; line-height:10.97pt;"): Guarantee
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:153.86pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:157.03pt; top:50.46pt; line-height:10.97pt;"): Fund
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:181.12pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:184.29pt; top:50.46pt; line-height:10.97pt;"): for
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:196.59pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:199.76pt; top:50.46pt; line-height:10.97pt;"): 2024
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:221.89pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:225.06pt; top:50.46pt; line-height:10.97pt;"): in
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:233.71pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:236.88pt; top:50.46pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:251.9pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:255.07pt; top:50.46pt; line-height:10.97pt;"): amount
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:292.24pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:295.41pt; top:50.46pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:304.1pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:307.27pt; top:50.46pt; line-height:10.97pt;"): PLN
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:326.35pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:329.52pt; top:50.46pt; line-height:10.97pt;"): 147
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:344.02pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:347.19pt; top:50.46pt; line-height:10.97pt;"): million.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:380.34pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:383.51pt; top:50.46pt; line-height:10.97pt;"): The
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.81pt; left:400.21pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:403.38pt; top:50.46pt; line-height:10.97pt;"): double-digit
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:63.08pt; line-height:10.97pt;"): dynamic
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:41.63pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:47.87pt; top:63.08pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:56.57pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:62.8pt; top:63.08pt; line-height:10.97pt;"): personnel
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:108.44pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:114.68pt; top:63.08pt; line-height:10.97pt;"): expenses
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:157.06pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:163.3pt; top:63.08pt; line-height:10.97pt;"): was
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:181.67pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:187.91pt; top:63.08pt; line-height:10.97pt;"): a
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:193.96pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:200.2pt; top:63.08pt; line-height:10.97pt;"): function
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:238.39pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:244.63pt; top:63.08pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:253.32pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:259.56pt; top:63.08pt; line-height:10.97pt;"): salary
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:288.18pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:294.42pt; top:63.08pt; line-height:10.97pt;"): increases
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:337.47pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:343.71pt; top:63.08pt; line-height:10.97pt;"): for
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:356.01pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:362.25pt; top:63.08pt; line-height:10.97pt;"): our
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:377.56pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:383.8pt; top:63.08pt; line-height:10.97pt;"): employees
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.88pt; left:434.57pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:440.81pt; top:63.08pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:75.7pt; line-height:10.97pt;"): development
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:60.99pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:63.12pt; top:75.7pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:71.81pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:73.93pt; top:75.7pt; line-height:10.97pt;"): headcount
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:124.11pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:126.23pt; top:75.7pt; line-height:10.97pt;"): in
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:134.88pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:137.01pt; top:75.7pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:152.03pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:154.15pt; top:75.7pt; line-height:10.97pt;"): Group,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:184.56pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:186.69pt; top:75.7pt; line-height:10.97pt;"): which
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:214.27pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:216.4pt; top:75.7pt; line-height:10.97pt;"): expanded
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:262.8pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:264.92pt; top:75.7pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:277.1pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:279.23pt; top:75.7pt; line-height:10.97pt;"): 250
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:295.39pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:297.51pt; top:75.7pt; line-height:10.97pt;"): FTEs
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.23pt; left:318.8pt; top:75.7pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; left:241.2pt; top:37.85pt; line-height:10.97pt;"): NPL
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          • span (class="awspan awtext002", style="font-size:9pt; left:81.18pt; top:50.46pt; line-height:10.97pt;"): At
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          • span (class="awspan awtext002", style="font-size:9pt; left:94.94pt; top:50.46pt; line-height:10.97pt;"): the
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          • span (class="awspan awtext002", style="font-size:9pt; left:145.59pt; top:50.46pt; line-height:10.97pt;"): 2024,
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          • span (class="awspan awtext002", style="font-size:9pt; left:222.59pt; top:50.46pt; line-height:10.97pt;"): 4.1%,
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          • span (class="awspan awtext002", style="font-size:9pt; left:246.12pt; top:50.46pt; line-height:10.97pt;"): supported
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        • span (class="awspan awtext002", style="font-size:9pt; left:50.6pt; top:0pt; line-height:10.97pt;"): present
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        • span (class="awspan awtext002", style="font-size:9pt; left:297.49pt; top:0pt; line-height:10.97pt;"): the
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        • span (class="awspan awtext002", style="font-size:9pt; left:417.41pt; top:0pt; line-height:10.97pt;"): show
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        • span (class="awspan awtext002", style="font-size:9pt; left:162.07pt; top:12.62pt; line-height:10.97pt;"): mBank
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        • span (class="awspan awtext002", style="font-size:9pt; left:229.27pt; top:12.62pt; line-height:10.97pt;"): excluding
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        • span (class="awspan awtext002", style="font-size:9pt; left:276.45pt; top:12.62pt; line-height:10.97pt;"): FX
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.12pt; left:288.05pt; top:12.62pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:290.53pt; top:12.62pt; line-height:10.97pt;"): Mortgage
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        • span (class="awspan awtext002", style="font-size:9pt; left:338.18pt; top:12.62pt; line-height:10.97pt;"): Loans
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        • span (class="awspan awtext002", style="font-size:9pt; left:413.52pt; top:12.62pt; line-height:10.97pt;"): Return
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        • span (class="awspan awtext002", style="font-size:9pt; left:31.95pt; top:25.23pt; line-height:10.97pt;"): (ROE)
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        • span (class="awspan awtext002", style="font-size:9pt; left:104.18pt; top:25.23pt; line-height:10.97pt;"): from
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        • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:37.85pt; line-height:10.97pt;"): 39.7%
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        • span (class="awspan awtext002", style="font-size:9pt; left:27.32pt; top:37.85pt; line-height:10.97pt;"): in
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:35.97pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:38.06pt; top:37.85pt; line-height:10.97pt;"): 2024.
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:62.1pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:64.19pt; top:37.85pt; line-height:10.97pt;"): It
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:70.4pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:72.49pt; top:37.85pt; line-height:10.97pt;"): corresponded
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        • span (class="awspan awtext002", style="font-size:9pt; left:138.1pt; top:37.85pt; line-height:10.97pt;"): to
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:147.23pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:149.32pt; top:37.85pt; line-height:10.97pt;"): a
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:155.38pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:157.47pt; top:37.85pt; line-height:10.97pt;"): net
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:172.63pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:174.72pt; top:37.85pt; line-height:10.97pt;"): profit
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:199.18pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:201.27pt; top:37.85pt; line-height:10.97pt;"): of
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        • span (class="awspan awtext002", style="font-size:9pt; left:212.05pt; top:37.85pt; line-height:10.97pt;"): more
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:236.43pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:238.52pt; top:37.85pt; line-height:10.97pt;"): than
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:260.39pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:262.48pt; top:37.85pt; line-height:10.97pt;"): PLN
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:281.56pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:283.65pt; top:37.85pt; line-height:10.97pt;"): 5.6
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:296.13pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:298.23pt; top:37.85pt; line-height:10.97pt;"): billion,
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:327.79pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:329.88pt; top:37.85pt; line-height:10.97pt;"): illustrating
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        • span (class="awspan awtext002", style="font-size:9pt; left:381.17pt; top:37.85pt; line-height:10.97pt;"): mBank’s
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.27pt; left:421.23pt; top:37.85pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:423.32pt; top:37.85pt; line-height:10.97pt;"): internal
        • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:50.46pt; line-height:10.97pt;"): strength
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        • span (class="awspan awtext002", style="font-size:9pt; left:41.66pt; top:50.46pt; line-height:10.97pt;"): and
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:60.04pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:62.78pt; top:50.46pt; line-height:10.97pt;"): ability
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:91.77pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:94.5pt; top:50.46pt; line-height:10.97pt;"): to
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:103.64pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:106.37pt; top:50.46pt; line-height:10.97pt;"): generate
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:148.24pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:150.97pt; top:50.46pt; line-height:10.97pt;"): revenue
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:188.05pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:190.78pt; top:50.46pt; line-height:10.97pt;"): amid
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        • span (class="awspan awtext002", style="font-size:9pt; left:217.78pt; top:50.46pt; line-height:10.97pt;"): disciplined
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:267.04pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:269.77pt; top:50.46pt; line-height:10.97pt;"): cost
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:288.37pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:291.11pt; top:50.46pt; line-height:10.97pt;"): management
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:355.58pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:358.31pt; top:50.46pt; line-height:10.97pt;"): and
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:376.7pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:379.43pt; top:50.46pt; line-height:10.97pt;"): keeping
        • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.38pt; left:416.51pt; top:50.46pt; line-height:10.97pt;")
        • span (class="awspan awtext002", style="font-size:9pt; left:419.25pt; top:50.46pt; line-height:10.97pt;"): loan
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        • span (class="awspan awtext002", style="font-size:9pt; left:442.33pt; top:50.46pt; line-height:10.97pt;"): loss
        • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:63.08pt; line-height:10.97pt;"): provisions under control. The reported ROE stood at 14.8% and was the highest since 2011.
        • div (class="awdiv", style="top:81.7pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:0pt; line-height:10.97pt;"): Last
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          • span (class="awspan awtext002", style="font-size:9pt; left:21.56pt; top:0pt; line-height:10.97pt;"): year
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          • span (class="awspan awtext002", style="font-size:9pt; left:45.05pt; top:0pt; line-height:10.97pt;"): we
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          • span (class="awspan awtext002", style="font-size:9pt; left:60.71pt; top:0pt; line-height:10.97pt;"): devoted
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          • span (class="awspan awtext002", style="font-size:9pt; left:100.11pt; top:0pt; line-height:10.97pt;"): a
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          • span (class="awspan awtext002", style="font-size:9pt; left:108.48pt; top:0pt; line-height:10.97pt;"): lot
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          • span (class="awspan awtext002", style="font-size:9pt; left:133.35pt; top:0pt; line-height:10.97pt;"): attention
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          • span (class="awspan awtext002", style="font-size:9pt; left:189.59pt; top:0pt; line-height:10.97pt;"): strengthening
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          • span (class="awspan awtext002", style="font-size:9pt; left:257.32pt; top:0pt; line-height:10.97pt;"): our
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          • span (class="awspan awtext002", style="font-size:9pt; left:274.94pt; top:0pt; line-height:10.97pt;"): capital
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          • span (class="awspan awtext002", style="font-size:9pt; left:309pt; top:0pt; line-height:10.97pt;"): position
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          • span (class="awspan awtext002", style="font-size:9pt; left:347.8pt; top:0pt; line-height:10.97pt;"): in
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          • span (class="awspan awtext002", style="font-size:9pt; left:358.76pt; top:0pt; line-height:10.97pt;"): order
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          • span (class="awspan awtext002", style="font-size:9pt; left:385.47pt; top:0pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.05pt; left:394.6pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:396.91pt; top:0pt; line-height:10.97pt;"): pave
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          • span (class="awspan awtext002", style="font-size:9pt; left:421.83pt; top:0pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.05pt; left:436.85pt; top:0pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:439.16pt; top:0pt; line-height:10.97pt;"): way
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:12.62pt; line-height:10.97pt;"): for
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          • span (class="awspan awtext002", style="font-size:9pt; left:16.96pt; top:12.62pt; line-height:10.97pt;"): further,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:50.21pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:54.87pt; top:12.62pt; line-height:10.97pt;"): more
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:79.24pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:83.9pt; top:12.62pt; line-height:10.97pt;"): dynamic
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:125.53pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:130.19pt; top:12.62pt; line-height:10.97pt;"): organic
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:165.39pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:170.04pt; top:12.62pt; line-height:10.97pt;"): growth.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:204.87pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:209.53pt; top:12.62pt; line-height:10.97pt;"): In
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:218.48pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:223.13pt; top:12.62pt; line-height:10.97pt;"): December
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:271.13pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:275.78pt; top:12.62pt; line-height:10.97pt;"): 2024,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:299.82pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:304.48pt; top:12.62pt; line-height:10.97pt;"): mBank
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:338.23pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:342.89pt; top:12.62pt; line-height:10.97pt;"): successfully
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:397.74pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:402.4pt; top:12.62pt; line-height:10.97pt;"): executed
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:2.3pt; left:444.23pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:448.88pt; top:12.62pt; line-height:10.97pt;"): its
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:25.23pt; line-height:10.97pt;"): inaugural
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          • span (class="awspan awtext002", style="font-size:9pt; left:48.36pt; top:25.23pt; line-height:10.97pt;"): issuance
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          • span (class="awspan awtext002", style="font-size:9pt; left:91.71pt; top:25.23pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:100.4pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:103.68pt; top:25.23pt; line-height:10.97pt;"): Additional
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:151.78pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:155.05pt; top:25.23pt; line-height:10.97pt;"): Tier
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:171.69pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:174.97pt; top:25.23pt; line-height:10.97pt;"): 1
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:178.21pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:181.49pt; top:25.23pt; line-height:10.97pt;"): capital
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:213.25pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:216.52pt; top:25.23pt; line-height:10.97pt;"): bonds
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:245pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:248.28pt; top:25.23pt; line-height:10.97pt;"): with
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:268.2pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:271.48pt; top:25.23pt; line-height:10.97pt;"): a
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:277.53pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:280.81pt; top:25.23pt; line-height:10.97pt;"): nominal
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:319.49pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:322.77pt; top:25.23pt; line-height:10.97pt;"): value
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:347.62pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:350.9pt; top:25.23pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:359.6pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:362.87pt; top:25.23pt; line-height:10.97pt;"): PLN
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:381.95pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:385.23pt; top:25.23pt; line-height:10.97pt;"): 1.5
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.92pt; left:395.48pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:398.76pt; top:25.23pt; line-height:10.97pt;"): billion,
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          • span (class="awspan awtext002", style="font-size:9pt; left:396.81pt; top:63.08pt; line-height:10.97pt;"): 2024,
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          • span (class="awspan awtext002", style="font-size:9pt; left:333.19pt; top:88.31pt; line-height:10.97pt;"): PLN
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          • span (class="awspan awtext002", style="font-size:9pt; left:356.64pt; top:88.31pt; line-height:10.97pt;"): 7.0
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          • span (class="awspan awtext002", style="font-size:9pt; left:436pt; top:88.31pt; line-height:10.97pt;"): 2025.
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:100.93pt; line-height:10.97pt;"): The combined
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:65.74pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:68.12pt; top:100.93pt; line-height:10.97pt;"): positive
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:103.05pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:105.43pt; top:100.93pt; line-height:10.97pt;"): impact
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:138.39pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:140.77pt; top:100.93pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:149.47pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:151.85pt; top:100.93pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:166.87pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:169.25pt; top:100.93pt; line-height:10.97pt;"): two
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:186.3pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:188.68pt; top:100.93pt; line-height:10.97pt;"): transactions
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:245.78pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:248.16pt; top:100.93pt; line-height:10.97pt;"): on
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:260.03pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:262.42pt; top:100.93pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:277.44pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:279.82pt; top:100.93pt; line-height:10.97pt;"): capital
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:311.57pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:313.95pt; top:100.93pt; line-height:10.97pt;"): position
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:350.44pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:352.82pt; top:100.93pt; line-height:10.97pt;"): reached
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:390.62pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:393.01pt; top:100.93pt; line-height:10.97pt;"): 1.9
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.03pt; left:403.64pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:406.03pt; top:100.93pt; line-height:10.97pt;"): percentage
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:113.54pt; line-height:10.97pt;"): points.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:30.33pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:32.62pt; top:113.54pt; line-height:10.97pt;"): As
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:44.23pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:46.52pt; top:113.54pt; line-height:10.97pt;"): a
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:52.58pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:54.87pt; top:113.54pt; line-height:10.97pt;"): result,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:82.19pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:84.48pt; top:113.54pt; line-height:10.97pt;"): consolidated
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:143.49pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:145.78pt; top:113.54pt; line-height:10.97pt;"): Tier
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:162.42pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:164.71pt; top:113.54pt; line-height:10.97pt;"): 1
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:167.96pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:170.24pt; top:113.54pt; line-height:10.97pt;"): ratio
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:191.47pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:193.76pt; top:113.54pt; line-height:10.97pt;"): amounted
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          • span (class="awspan awtext002", style="font-size:9pt; left:244.75pt; top:113.54pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:253.88pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:256.17pt; top:113.54pt; line-height:10.97pt;"): 14.5%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:279.83pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:282.12pt; top:113.54pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:300.51pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:302.8pt; top:113.54pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:317.82pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:320.11pt; top:113.54pt; line-height:10.97pt;"): total
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:341.21pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:343.51pt; top:113.54pt; line-height:10.97pt;"): capital
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:375.26pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:377.55pt; top:113.54pt; line-height:10.97pt;"): ratio
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:398.77pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:401.06pt; top:113.54pt; line-height:10.97pt;"): was
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.07pt; left:419.43pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:421.72pt; top:113.54pt; line-height:10.97pt;"): equal
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          • span (class="awspan awtext002", style="font-size:9pt; left:450.08pt; top:113.54pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:126.16pt; line-height:10.97pt;"): 15.9%.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:25.1pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:27.73pt; top:126.16pt; line-height:10.97pt;"): The
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:44.42pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:47.05pt; top:126.16pt; line-height:10.97pt;"): surplus
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:80.23pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:82.86pt; top:126.16pt; line-height:10.97pt;"): over
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:102.43pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:105.05pt; top:126.16pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:120.07pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:122.7pt; top:126.16pt; line-height:10.97pt;"): regulatory
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          • span (class="awspan awtext002", style="font-size:9pt; left:173.9pt; top:126.16pt; line-height:10.97pt;"): minima
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          • span (class="awspan awtext002", style="font-size:9pt; left:213.02pt; top:126.16pt; line-height:10.97pt;"): determined
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          • span (class="awspan awtext002", style="font-size:9pt; left:269.6pt; top:126.16pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:281.77pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:284.4pt; top:126.16pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:299.42pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:302.05pt; top:126.16pt; line-height:10.97pt;"): Polish
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:329.49pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:332.12pt; top:126.16pt; line-height:10.97pt;"): FSA
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.27pt; left:350.56pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:353.18pt; top:126.16pt; line-height:10.97pt;"): exceeded
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          • span (class="awspan awtext002", style="font-size:9pt; left:399.63pt; top:126.16pt; line-height:10.97pt;"): considerably
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:15.02pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:17.21pt; top:138.78pt; line-height:10.97pt;"): bank’s
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:47.06pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:49.25pt; top:138.78pt; line-height:10.97pt;"): strategic
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          • span (class="awspan awtext002", style="font-size:9pt; left:91.59pt; top:138.78pt; line-height:10.97pt;"): target
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:119.85pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:122.05pt; top:138.78pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:130.74pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:132.93pt; top:138.78pt; line-height:10.97pt;"): 2.5
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:145.05pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:147.24pt; top:138.78pt; line-height:10.97pt;"): percentage
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:200.41pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:202.6pt; top:138.78pt; line-height:10.97pt;"): points
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:231.03pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:233.22pt; top:138.78pt; line-height:10.97pt;"): at
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:242.77pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:244.96pt; top:138.78pt; line-height:10.97pt;"): year-end,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:289.25pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:291.44pt; top:138.78pt; line-height:10.97pt;"): with
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:311.36pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:313.55pt; top:138.78pt; line-height:10.97pt;"): +5.4
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:331.68pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:333.87pt; top:138.78pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:352.26pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:354.45pt; top:138.78pt; line-height:10.97pt;"): +4.8
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:373.23pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:375.42pt; top:138.78pt; line-height:10.97pt;"): percentage
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.17pt; left:428.59pt; top:138.78pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:430.79pt; top:138.78pt; line-height:10.97pt;"): points
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:151.39pt; line-height:10.97pt;"): over
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:19.57pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:21.92pt; top:151.39pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:36.94pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:39.29pt; top:151.39pt; line-height:10.97pt;"): requirements,
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          • span (class="awspan awtext002", style="font-size:9pt; left:105.46pt; top:151.39pt; line-height:10.97pt;"): respectively.
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          • span (class="awspan awtext002", style="font-size:9pt; left:164.63pt; top:151.39pt; line-height:10.97pt;"): We
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:180.06pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:182.41pt; top:151.39pt; line-height:10.97pt;"): also
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:200.93pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:203.29pt; top:151.39pt; line-height:10.97pt;"): decided
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:239.95pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:242.3pt; top:151.39pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:251.44pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:253.79pt; top:151.39pt; line-height:10.97pt;"): propose
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:290.99pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:293.35pt; top:151.39pt; line-height:10.97pt;"): not
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:308.71pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:311.06pt; top:151.39pt; line-height:10.97pt;"): paying
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:344.25pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:346.6pt; top:151.39pt; line-height:10.97pt;"): dividends
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:390.69pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:393.05pt; top:151.39pt; line-height:10.97pt;"): from
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:415.03pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:417.38pt; top:151.39pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.01pt; left:432.4pt; top:151.39pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:434.76pt; top:151.39pt; line-height:10.97pt;"): profit
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:164.01pt; line-height:10.97pt;"): earned
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.18pt; left:32.87pt; top:164.01pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:197.18pt; top:12.62pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; left:214.07pt; top:12.62pt; line-height:10.97pt;"): new
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:233.64pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:237.74pt; top:12.62pt; line-height:10.97pt;"): loan
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:258.08pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:262.18pt; top:12.62pt; line-height:10.97pt;"): sales.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:286.8pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:290.9pt; top:12.62pt; line-height:10.97pt;"): We
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:306.33pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:310.43pt; top:12.62pt; line-height:10.97pt;"): granted
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          • span (class="awspan awtext002", style="font-size:9pt; left:351.62pt; top:12.62pt; line-height:10.97pt;"): over
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:371.18pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:375.28pt; top:12.62pt; line-height:10.97pt;"): PLN
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:394.36pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:398.45pt; top:12.62pt; line-height:10.97pt;"): 10.5
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:414.66pt; top:12.62pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:418.76pt; top:12.62pt; line-height:10.97pt;"): billion
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.74pt; left:446.41pt; top:12.62pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:52.58pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:54.54pt; top:25.23pt; line-height:10.97pt;"): which
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:82.12pt; top:25.23pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; left:104.41pt; top:25.23pt; line-height:10.97pt;"): a
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:110.47pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:112.43pt; top:25.23pt; line-height:10.97pt;"): 2.5-fold
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:145.19pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:147.15pt; top:25.23pt; line-height:10.97pt;"): increase
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:185.81pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:187.77pt; top:25.23pt; line-height:10.97pt;"): compared
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          • span (class="awspan awtext002", style="font-size:9pt; left:237.56pt; top:25.23pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:246.7pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:248.65pt; top:25.23pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:263.68pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:265.64pt; top:25.23pt; line-height:10.97pt;"): previous
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:304.32pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:306.28pt; top:25.23pt; line-height:10.97pt;"): year.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:329.36pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:331.32pt; top:25.23pt; line-height:10.97pt;"): The
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:348.02pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:349.97pt; top:25.23pt; line-height:10.97pt;"): production
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:400.47pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:402.43pt; top:25.23pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.4pt; left:411.13pt; top:25.23pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:413.08pt; top:25.23pt; line-height:10.97pt;"): consumer
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:37.85pt; line-height:10.97pt;"): loans
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:24.75pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:27.9pt; top:37.85pt; line-height:10.97pt;"): was
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:46.27pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:49.42pt; top:37.85pt; line-height:10.97pt;"): higher
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:79.25pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:82.4pt; top:37.85pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:94.57pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:97.73pt; top:37.85pt; line-height:10.97pt;"): 31.8%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:121.16pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:124.31pt; top:37.85pt; line-height:10.97pt;"): year-on-year.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:187.32pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:190.47pt; top:37.85pt; line-height:10.97pt;"): As
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:202.08pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:205.23pt; top:37.85pt; line-height:10.97pt;"): a
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:211.29pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:214.44pt; top:37.85pt; line-height:10.97pt;"): result,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:241.77pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:244.92pt; top:37.85pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:259.94pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:263.09pt; top:37.85pt; line-height:10.97pt;"): retail
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:286.52pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:289.68pt; top:37.85pt; line-height:10.97pt;"): portfolio,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:329.74pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:332.89pt; top:37.85pt; line-height:10.97pt;"): excluding
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.79pt; left:377.61pt; top:37.85pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:380.76pt; top:37.85pt; line-height:10.97pt;"): shrinking
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          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:50.46pt; line-height:10.97pt;"): currency
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          • span (class="awspan awtext002", style="font-size:9pt; left:47.15pt; top:50.46pt; line-height:10.97pt;"): exposure,
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          • span (class="awspan awtext002", style="font-size:9pt; left:96.68pt; top:50.46pt; line-height:10.97pt;"): rose
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:115.77pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:121.77pt; top:50.46pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:133.94pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:139.94pt; top:50.46pt; line-height:10.97pt;"): 9.7%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:160.09pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:166.09pt; top:50.46pt; line-height:10.97pt;"): in
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:174.74pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:180.74pt; top:50.46pt; line-height:10.97pt;"): relation
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:216.05pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:222.05pt; top:50.46pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:231.18pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:237.18pt; top:50.46pt; line-height:10.97pt;"): December
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:285.18pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:291.18pt; top:50.46pt; line-height:10.97pt;"): 2023.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:314.34pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:320.34pt; top:50.46pt; line-height:10.97pt;"): The
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:3.64pt; left:337.04pt; top:50.46pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:343.04pt; top:50.46pt; line-height:10.97pt;"): corporate
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          • span (class="awspan awtext002", style="font-size:9pt; left:440.68pt; top:50.46pt; line-height:10.97pt;"): also
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:53.65pt; top:63.08pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:102.99pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:107pt; top:63.08pt; line-height:10.97pt;"): with
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:126.92pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:130.93pt; top:63.08pt; line-height:10.97pt;"): a
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:136.99pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:141pt; top:63.08pt; line-height:10.97pt;"): growth
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:173.92pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:177.93pt; top:63.08pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:186.63pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:190.64pt; top:63.08pt; line-height:10.97pt;"): customer
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:234.03pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:238.04pt; top:63.08pt; line-height:10.97pt;"): financing
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:281.91pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:285.92pt; top:63.08pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:298.1pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:302.11pt; top:63.08pt; line-height:10.97pt;"): 6.7%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:322.26pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:326.27pt; top:63.08pt; line-height:10.97pt;"): year-on-year.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:1.65pt; left:389.28pt; top:63.08pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:393.29pt; top:63.08pt; line-height:10.97pt;"): Consequently,
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:75.7pt; line-height:10.97pt;"): mBank
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:33.75pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:35.81pt; top:75.7pt; line-height:10.97pt;"): Group’s
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:70.62pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:72.69pt; top:75.7pt; line-height:10.97pt;"): total
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:146.89pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:148.96pt; top:75.7pt; line-height:10.97pt;"): expanded
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:195.36pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:197.42pt; top:75.7pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:209.6pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:211.66pt; top:75.7pt; line-height:10.97pt;"): 6.6%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:231.99pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:234.05pt; top:75.7pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:243.19pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:245.25pt; top:75.7pt; line-height:10.97pt;"): PLN
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:264.33pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:266.39pt; top:75.7pt; line-height:10.97pt;"): 125
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:279.85pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:281.91pt; top:75.7pt; line-height:10.97pt;"): billion
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:309.57pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:311.63pt; top:75.7pt; line-height:10.97pt;"): in
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:320.28pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:322.34pt; top:75.7pt; line-height:10.97pt;"): 2024.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:346.38pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:348.44pt; top:75.7pt; line-height:10.97pt;"): The
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:365.14pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:367.2pt; top:75.7pt; line-height:10.97pt;"): return
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:395.63pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:397.69pt; top:75.7pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:406.83pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:408.89pt; top:75.7pt; line-height:10.97pt;"): an
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.3pt; left:421.17pt; top:75.7pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:423.23pt; top:75.7pt; line-height:10.97pt;"): upward
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:88.31pt; line-height:10.97pt;"): path
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:21.88pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:24.65pt; top:88.31pt; line-height:10.97pt;"): led
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          • span (class="awspan awtext002", style="font-size:9pt; left:41.38pt; top:88.31pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:50.52pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:53.29pt; top:88.31pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:68.31pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:71.09pt; top:88.31pt; line-height:10.97pt;"): improvement
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:133.83pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:136.61pt; top:88.31pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:145.3pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:148.07pt; top:88.31pt; line-height:10.97pt;"): market
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:181.5pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:184.27pt; top:88.31pt; line-height:10.97pt;"): shares
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:214.27pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:217.04pt; top:88.31pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:226.18pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:228.95pt; top:88.31pt; line-height:10.97pt;"): 8.1%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:247.31pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:250.08pt; top:88.31pt; line-height:10.97pt;"): in
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:258.73pt; top:88.31pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:287.63pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:290.41pt; top:88.31pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:299.54pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:302.31pt; top:88.31pt; line-height:10.97pt;"): enterprises
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:353.02pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:355.79pt; top:88.31pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:374.18pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:376.95pt; top:88.31pt; line-height:10.97pt;"): 7.6%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:397.1pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:399.88pt; top:88.31pt; line-height:10.97pt;"): in
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:408.53pt; top:88.31pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:411.3pt; top:88.31pt; line-height:10.97pt;"): household
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:100.93pt; line-height:10.97pt;"): loans
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:24.75pt; top:100.93pt; line-height:10.97pt;")
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          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:62.62pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:65.39pt; top:100.93pt; line-height:10.97pt;"): FX.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:78.89pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:81.66pt; top:100.93pt; line-height:10.97pt;"): For
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:96.61pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:99.37pt; top:100.93pt; line-height:10.97pt;"): most
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:122.59pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:125.35pt; top:100.93pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:134.05pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:136.81pt; top:100.93pt; line-height:10.97pt;"): 2024,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:160.85pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:163.61pt; top:100.93pt; line-height:10.97pt;"): we
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:176.96pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:179.72pt; top:100.93pt; line-height:10.97pt;"): observed
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:221.33pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:224.09pt; top:100.93pt; line-height:10.97pt;"): a
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:230.15pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:232.91pt; top:100.93pt; line-height:10.97pt;"): stable
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:260.82pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:263.58pt; top:100.93pt; line-height:10.97pt;"): inflow
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:291.26pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:294.02pt; top:100.93pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:302.71pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:305.48pt; top:100.93pt; line-height:10.97pt;"): customer
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:348.87pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:351.63pt; top:100.93pt; line-height:10.97pt;"): funds.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:379.38pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:382.14pt; top:100.93pt; line-height:10.97pt;"): The
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:398.83pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:401.6pt; top:100.93pt; line-height:10.97pt;"): total
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.41pt; left:422.7pt; top:100.93pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:425.47pt; top:100.93pt; line-height:10.97pt;"): deposit
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          • span (class="awspan awtext002", style="font-size:9pt; left:24.62pt; top:113.54pt; line-height:10.97pt;"): increased
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:69.37pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:71.99pt; top:113.54pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:84.17pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:86.79pt; top:113.54pt; line-height:10.97pt;"): 8.3%
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:106.98pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:109.6pt; top:113.54pt; line-height:10.97pt;"): compared
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:157.43pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:160.05pt; top:113.54pt; line-height:10.97pt;"): to
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:169.19pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:171.81pt; top:113.54pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:186.83pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:189.45pt; top:113.54pt; line-height:10.97pt;"): end
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:207.21pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:209.83pt; top:113.54pt; line-height:10.97pt;"): of
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:218.53pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:221.15pt; top:113.54pt; line-height:10.97pt;"): 2023
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          • span (class="awspan awtext002", style="font-size:9pt; left:245.03pt; top:113.54pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:263.41pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:266.03pt; top:113.54pt; line-height:10.97pt;"): for
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:278.34pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:280.96pt; top:113.54pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:295.98pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:298.6pt; top:113.54pt; line-height:10.97pt;"): first
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:315.57pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:318.19pt; top:113.54pt; line-height:10.97pt;"): time
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:339.22pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:341.84pt; top:113.54pt; line-height:10.97pt;"): exceeded
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:385.67pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:388.29pt; top:113.54pt; line-height:10.97pt;"): PLN
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:407.36pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:409.98pt; top:113.54pt; line-height:10.97pt;"): 200
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:0.26pt; left:427.01pt; top:113.54pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:429.63pt; top:113.54pt; line-height:10.97pt;"): billion.
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:126.16pt; line-height:10.97pt;"): Its
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:10.61pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:12.47pt; top:126.16pt; line-height:10.97pt;"): key
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:29.13pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:30.99pt; top:126.16pt; line-height:10.97pt;"): component,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:86.55pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:88.41pt; top:126.16pt; line-height:10.97pt;"): i.e.
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:100.09pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:101.94pt; top:126.16pt; line-height:10.97pt;"): balances
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:143.71pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:145.57pt; top:126.16pt; line-height:10.97pt;"): on
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:157.44pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:159.3pt; top:126.16pt; line-height:10.97pt;"): current
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:192.8pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:194.66pt; top:126.16pt; line-height:10.97pt;"): and
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:213.05pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:214.91pt; top:126.16pt; line-height:10.97pt;"): saving
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:245.07pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:246.92pt; top:126.16pt; line-height:10.97pt;"): accounts
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:288.94pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:290.8pt; top:126.16pt; line-height:10.97pt;"): in
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:299.44pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:301.3pt; top:126.16pt; line-height:10.97pt;"): the
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:316.32pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:318.18pt; top:126.16pt; line-height:10.97pt;"): retail
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:341.62pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:343.48pt; top:126.16pt; line-height:10.97pt;"): segment,
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:386.24pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:388.1pt; top:126.16pt; line-height:10.97pt;"): surged
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:419.88pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:421.73pt; top:126.16pt; line-height:10.97pt;"): by
          • span (class="awspan awtext002", style="font-size:9pt; letter-spacing:-0.5pt; left:433.91pt; top:126.16pt; line-height:10.97pt;")
          • span (class="awspan awtext002", style="font-size:9pt; left:435.77pt; top:126.16pt; line-height:10.97pt;"): 13.8%
          • span (class="awspan awtext002", style="font-size:9pt; left:0pt; top:138.78pt; line-height:10.97pt;"): year-on-year.
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          • span (class="awspan awtext002", style="font-size:9pt; left:204.27pt; top:88.31pt; line-height:10.97pt;"): From
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          • span (class="awspan awtext002", style="font-size:9pt; left:230.85pt; top:88.31pt; line-height:10.97pt;"): mid-December
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          • span (class="awspan awtext002", style="font-size:9pt; left:342.62pt; top:100.93pt; line-height:10.97pt;"): The
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