mBank S.A. - Governance Information 2025

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        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.02pt; left:166.3pt; top:58.13pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:172.28pt; top:58.13pt; line-height:17.07pt;"): of
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.02pt; left:186.87pt; top:58.13pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:192.85pt; top:58.13pt; line-height:17.07pt;"): the
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.02pt; left:217.45pt; top:58.13pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:223.43pt; top:58.13pt; line-height:17.07pt;"): adequacy
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.02pt; left:295.15pt; top:58.13pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:301.14pt; top:58.13pt; line-height:17.07pt;"): and
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.02pt; left:329.14pt; top:58.13pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:335.12pt; top:58.13pt; line-height:17.07pt;"): effectiveness
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.02pt; left:432.78pt; top:58.13pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:438.77pt; top:58.13pt; line-height:17.07pt;"): of
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:26.11pt; top:75.2pt; line-height:17.07pt;"): the
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:0.12pt; left:50.71pt; top:75.2pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:54.78pt; top:75.2pt; line-height:17.07pt;"): internal
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:0.12pt; left:112.16pt; top:75.2pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:116.23pt; top:75.2pt; line-height:17.07pt;"): control
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:0.12pt; left:168.86pt; top:75.2pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:172.94pt; top:75.2pt; line-height:17.07pt;"): system,
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:0.12pt; left:229.46pt; top:75.2pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:233.53pt; top:75.2pt; line-height:17.07pt;"): the
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:0.12pt; left:258.13pt; top:75.2pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:262.21pt; top:75.2pt; line-height:17.07pt;"): risk
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:0.12pt; left:289.13pt; top:75.2pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:293.21pt; top:75.2pt; line-height:17.07pt;"): management
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:0.12pt; left:392.76pt; top:75.2pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:396.84pt; top:75.2pt; line-height:17.07pt;"): system,
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:26.11pt; top:92.26pt; line-height:17.07pt;"): the
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:-0.65pt; left:50.71pt; top:92.26pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:54.02pt; top:92.26pt; line-height:17.07pt;"): system
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:-0.65pt; left:106.87pt; top:92.26pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:110.17pt; top:92.26pt; line-height:17.07pt;"): for
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:-0.65pt; left:130.8pt; top:92.26pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:134.1pt; top:92.26pt; line-height:17.07pt;"): ensuring
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:-0.65pt; left:199.39pt; top:92.26pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:202.69pt; top:92.26pt; line-height:17.07pt;"): compliance
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:-0.65pt; left:288.33pt; top:92.26pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:291.64pt; top:92.26pt; line-height:17.07pt;"): of
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:-0.65pt; left:306.23pt; top:92.26pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:309.54pt; top:92.26pt; line-height:17.07pt;"): the
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:-0.65pt; left:334.13pt; top:92.26pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:337.44pt; top:92.26pt; line-height:17.07pt;"): bank’s
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:-0.65pt; left:385.76pt; top:92.26pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:389.06pt; top:92.26pt; line-height:17.07pt;"): business
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:26.11pt; top:109.33pt; line-height:17.07pt;"): with
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.97pt; left:59.21pt; top:109.33pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:66.14pt; top:109.33pt; line-height:17.07pt;"): standards
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.97pt; left:139.46pt; top:109.33pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:146.39pt; top:109.33pt; line-height:17.07pt;"): or
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.97pt; left:161.59pt; top:109.33pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:168.53pt; top:109.33pt; line-height:17.07pt;"): applicable
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.97pt; left:244.53pt; top:109.33pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:251.47pt; top:109.33pt; line-height:17.07pt;"): practices,
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.97pt; left:322.59pt; top:109.33pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:329.52pt; top:109.33pt; line-height:17.07pt;"): and
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.97pt; left:357.52pt; top:109.33pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:364.45pt; top:109.33pt; line-height:17.07pt;"): the
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; letter-spacing:2.97pt; left:389.05pt; top:109.33pt; line-height:17.07pt;")
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:395.98pt; top:109.33pt; line-height:17.07pt;"): internal
        
        span (class="awspan awtext002", style="font-size:14pt; color:#2f5496; left:26.11pt; top:126.4pt; line-height:17.07pt;"): audit system operating at the bank
      - div (class="awdiv", style="left:17.85pt; top:149.46pt;")
        
        a (id="_Toc127805503", style="left:0pt; top:0pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:0pt; top:6pt; line-height:14.63pt;"): 1.
        
        span (class="awspan awtext002", style="color:#2f5496; left:17.85pt; top:6pt; line-height:14.63pt;"): mBank Group activity in 2024
      - div (class="awdiv", style="top:176.09pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:22.68pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:86.93pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:89.21pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:122.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:125.03pt; top:0pt; line-height:13.41pt;"): analysed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:173.86pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:176.14pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:216.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:218.93pt; top:0pt; line-height:13.41pt;"): Group’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:261.31pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:263.59pt; top:0pt; line-height:13.41pt;"): financial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:310.26pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:312.54pt; top:0pt; line-height:13.41pt;"): results
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:349.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:351.45pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:372.85pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:375.12pt; top:0pt; line-height:13.41pt;"): key
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.61pt; left:394.34pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:396.62pt; top:0pt; line-height:13.41pt;"): indicators,
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): taking into consideration external and internal conditions.
      - div (class="awdiv", style="top:208.91pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:10.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:20.57pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:49.95pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:59.75pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:78.31pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:88.11pt; top:0pt; line-height:13.41pt;"): Polish
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:121.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:131.45pt; top:0pt; line-height:13.41pt;"): economy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:183.16pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.96pt; top:0pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:214.49pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:224.29pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:234.7pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:244.5pt; top:0pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:250.99pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:260.79pt; top:0pt; line-height:13.41pt;"): recovery
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:307.92pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:317.71pt; top:0pt; line-height:13.41pt;"): phase
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:351.13pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:360.93pt; top:0pt; line-height:13.41pt;"): despite
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.92pt; left:401.94pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:411.74pt; top:0pt; line-height:13.41pt;"): difficult
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): macroeconomic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:90.56pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:93.34pt; top:13.41pt; line-height:13.41pt;"): conditions
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:151.44pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:154.22pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:164.62pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:167.4pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:185.96pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:188.74pt; top:13.41pt; line-height:13.41pt;"): external
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:233.67pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:236.45pt; top:13.41pt; line-height:13.41pt;"): environment.
        
        span (class="awspan awtext003", style="font-size:11pt; left:313.55pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:316.33pt; top:13.41pt; line-height:13.41pt;"): According
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:373.32pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.1pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:387.46pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:390.24pt; top:13.41pt; line-height:13.41pt;"): preliminary
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): estimates
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:54.1pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:57.1pt; top:26.82pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:83.81pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:86.81pt; top:26.82pt; line-height:13.41pt;"): Statistics
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:136.33pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:139.34pt; top:26.82pt; line-height:13.41pt;"): Poland
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:178.49pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:181.49pt; top:26.82pt; line-height:13.41pt;"): (GUS),
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:215.04pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:218.04pt; top:26.82pt; line-height:13.41pt;"): Poland’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:264.9pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:267.9pt; top:26.82pt; line-height:13.41pt;"): GDP
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:293.39pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:296.39pt; top:26.82pt; line-height:13.41pt;"): growth
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:336.83pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:339.83pt; top:26.82pt; line-height:13.41pt;"): rate
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:361.85pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:364.85pt; top:26.82pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:375.25pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:378.26pt; top:26.82pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.12pt; left:405.31pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:408.31pt; top:26.82pt; line-height:13.41pt;"): reached
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): 2.9%
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:24.4pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:30.17pt; top:40.23pt; line-height:13.41pt;"): versus
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:65.35pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:71.12pt; top:40.23pt; line-height:13.41pt;"): 0.1%
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:93.82pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:99.6pt; top:40.23pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:110pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:115.77pt; top:40.23pt; line-height:13.41pt;"): 2023.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:144.09pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:149.86pt; top:40.23pt; line-height:13.41pt;"): Economic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:205.48pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:211.25pt; top:40.23pt; line-height:13.41pt;"): growth
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:251.68pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.46pt; top:40.23pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:278.99pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:284.77pt; top:40.23pt; line-height:13.41pt;"): driven
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:319.65pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:325.42pt; top:40.23pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:338.84pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:344.61pt; top:40.23pt; line-height:13.41pt;"): consumer
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.89pt; left:400.66pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:406.43pt; top:40.23pt; line-height:13.41pt;"): demand
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): fuelled
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:37.8pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:42.95pt; top:53.64pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:56.37pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:61.53pt; top:53.64pt; line-height:13.41pt;"): rising
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:92.23pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:97.39pt; top:53.64pt; line-height:13.41pt;"): real
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:117.89pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:123.05pt; top:53.64pt; line-height:13.41pt;"): household
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:181.58pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:186.74pt; top:53.64pt; line-height:13.41pt;"): income.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:230.88pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:236.04pt; top:53.64pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:256.44pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:261.6pt; top:53.64pt; line-height:13.41pt;"): influx
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:291.97pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:297.13pt; top:53.64pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:307.75pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:312.91pt; top:53.64pt; line-height:13.41pt;"): EU
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:328.98pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:334.14pt; top:53.64pt; line-height:13.41pt;"): funds
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:365.55pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:370.71pt; top:53.64pt; line-height:13.41pt;"): has
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:390.03pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:395.18pt; top:53.64pt; line-height:13.41pt;"): started
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.28pt; left:434.5pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:439.65pt; top:53.64pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): upward
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:42.89pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:48.1pt; top:67.04pt; line-height:13.41pt;"): trend
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:78.53pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.74pt; top:67.04pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:94.14pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:99.36pt; top:67.04pt; line-height:13.41pt;"): investments.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:170.15pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:175.37pt; top:67.04pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:195.77pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:200.98pt; top:67.04pt; line-height:13.41pt;"): economic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:255.88pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:261.1pt; top:67.04pt; line-height:13.41pt;"): downturn
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:316.29pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:321.51pt; top:67.04pt; line-height:13.41pt;"): faced
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:352.02pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:357.23pt; top:67.04pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:370.65pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:375.86pt; top:67.04pt; line-height:13.41pt;"): Germany
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.33pt; left:426.99pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.2pt; top:67.04pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:80.45pt; line-height:13.41pt;"): Poland’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:46.86pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:53.02pt; top:80.45pt; line-height:13.41pt;"): other
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:82.89pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:89.05pt; top:80.45pt; line-height:13.41pt;"): trade
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:118.52pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:124.69pt; top:80.45pt; line-height:13.41pt;"): partners
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:171.39pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:177.56pt; top:80.45pt; line-height:13.41pt;"): adversely
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:229.46pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.63pt; top:80.45pt; line-height:13.41pt;"): affected
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:280.98pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:287.15pt; top:80.45pt; line-height:13.41pt;"): export
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:322.9pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:329.06pt; top:80.45pt; line-height:13.41pt;"): dynamics.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:384.95pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:391.11pt; top:80.45pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.28pt; left:411.52pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:417.68pt; top:80.45pt; line-height:13.41pt;"): official
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:93.86pt; line-height:13.41pt;"): unemployment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:86.67pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:91.86pt; top:93.86pt; line-height:13.41pt;"): rate
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:113.87pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:119.05pt; top:93.86pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:140.59pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:145.78pt; top:93.86pt; line-height:13.41pt;"): low.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:167.63pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:172.82pt; top:93.86pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:183.59pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:188.77pt; top:93.86pt; line-height:13.41pt;"): December
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:247.52pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:252.71pt; top:93.86pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:279.76pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:284.95pt; top:93.86pt; line-height:13.41pt;"): it
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:292.37pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:297.56pt; top:93.86pt; line-height:13.41pt;"): stood
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:328.65pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:333.84pt; top:93.86pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:344.8pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:349.98pt; top:93.86pt; line-height:13.41pt;"): 5.1%.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:373.96pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:379.15pt; top:93.86pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:399.55pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:404.74pt; top:93.86pt; line-height:13.41pt;"): prices
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.3pt; left:437.78pt; top:93.86pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:442.97pt; top:93.86pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:107.27pt; line-height:13.41pt;"): consumer
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:56.04pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:58.83pt; top:107.27pt; line-height:13.41pt;"): goods
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:93pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:95.79pt; top:107.27pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:117.18pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:119.96pt; top:107.27pt; line-height:13.41pt;"): services
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:163.53pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:166.32pt; top:107.27pt; line-height:13.41pt;"): rose
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:189.65pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.43pt; top:107.27pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:205.85pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:208.63pt; top:107.27pt; line-height:13.41pt;"): 4,7%
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:233.83pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:236.61pt; top:107.27pt; line-height:13.41pt;"): year
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:260.12pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.9pt; top:107.27pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:277.25pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:280.03pt; top:107.27pt; line-height:13.41pt;"): year
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:303.54pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:306.32pt; top:107.27pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:316.72pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:319.51pt; top:107.27pt; line-height:13.41pt;"): December
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:378.26pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:381.04pt; top:107.27pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:408.09pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:410.87pt; top:107.27pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:432.27pt; top:107.27pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.05pt; top:107.27pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:120.68pt; line-height:13.41pt;"): average
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:44.19pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:47.79pt; top:120.68pt; line-height:13.41pt;"): inflation
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:93.14pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:96.74pt; top:120.68pt; line-height:13.41pt;"): amounted
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:155.22pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:158.82pt; top:120.68pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:170.18pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:173.79pt; top:120.68pt; line-height:13.41pt;"): 3.6%.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:200.47pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:204.07pt; top:120.68pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:224.48pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:228.08pt; top:120.68pt; line-height:13.41pt;"): rise
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:247.48pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:251.08pt; top:120.68pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:261.48pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:265.08pt; top:120.68pt; line-height:13.41pt;"): inflation
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:310.44pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:314.04pt; top:120.68pt; line-height:13.41pt;"): seen
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:340.15pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:343.76pt; top:120.68pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:354.16pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:357.76pt; top:120.68pt; line-height:13.41pt;"): H2
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:372.95pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.56pt; top:120.68pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:398.1pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:401.7pt; top:120.68pt; line-height:13.41pt;"): driven
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:436.58pt; top:120.68pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:440.18pt; top:120.68pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:134.09pt; line-height:13.41pt;"): increasing
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:57.47pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:59.78pt; top:134.09pt; line-height:13.41pt;"): energy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:98.43pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:100.74pt; top:134.09pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:122.14pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:124.44pt; top:134.09pt; line-height:13.41pt;"): food
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:149.42pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:151.73pt; top:134.09pt; line-height:13.41pt;"): prices.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:187.1pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:189.41pt; top:134.09pt; line-height:13.41pt;"): Under
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:224.08pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:226.39pt; top:134.09pt; line-height:13.41pt;"): these
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:256.97pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:259.27pt; top:134.09pt; line-height:13.41pt;"): circumstances,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:342.43pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:344.74pt; top:134.09pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:363.3pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:365.6pt; top:134.09pt; line-height:13.41pt;"): Monetary
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.58pt; left:418.43pt; top:134.09pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.73pt; top:134.09pt; line-height:13.41pt;"): Policy
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:147.5pt; line-height:13.41pt;"): Council
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:41.77pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:46.92pt; top:147.5pt; line-height:13.41pt;"): (RPP)
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:77.9pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.05pt; top:147.5pt; line-height:13.41pt;"): decided
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:127.86pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133.01pt; top:147.5pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:144.38pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:149.52pt; top:147.5pt; line-height:13.41pt;"): keep
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:176.88pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.03pt; top:147.5pt; line-height:13.41pt;"): interest
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:224.44pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:229.59pt; top:147.5pt; line-height:13.41pt;"): rates
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:256.98pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.13pt; top:147.5pt; line-height:13.41pt;"): steady
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:298.53pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:303.68pt; top:147.5pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:314.08pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:319.23pt; top:147.5pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:346.28pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:351.43pt; top:147.5pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:362.38pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:367.53pt; top:147.5pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:386.09pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:391.24pt; top:147.5pt; line-height:13.41pt;"): level
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:416.4pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:421.55pt; top:147.5pt; line-height:13.41pt;"): set
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:438.04pt; top:147.5pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:443.19pt; top:147.5pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:160.91pt; line-height:13.41pt;"): October 2023.
      - div (class="awdiv", style="top:389.23pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:10.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:16.13pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:45.51pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:50.88pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:69.44pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:74.8pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:139.05pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:144.42pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:177.97pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:183.33pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:193.96pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:199.32pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:239.84pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:245.2pt; top:0pt; line-height:13.41pt;"): analysed,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:296.36pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:301.73pt; top:0pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:316.07pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:321.44pt; top:0pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:327.93pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:333.29pt; top:0pt; line-height:13.41pt;"): cyclical
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:373.2pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:378.57pt; top:0pt; line-height:13.41pt;"): basis,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.48pt; left:408.56pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:413.93pt; top:0pt; line-height:13.41pt;"): reports
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): provided
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:49.25pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:52.22pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:65.64pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:68.61pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:87.17pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:90.15pt; top:13.41pt; line-height:13.41pt;"): Management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:165.5pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:168.47pt; top:13.41pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:202.02pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:204.99pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:226.39pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:229.36pt; top:13.41pt; line-height:13.41pt;"): organisational
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:308.2pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:311.17pt; top:13.41pt; line-height:13.41pt;"): units
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:338.83pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:341.8pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:352.43pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:355.4pt; top:13.41pt; line-height:13.41pt;"): mBank,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:398.25pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:401.22pt; top:13.41pt; line-height:13.41pt;"): including
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): information
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:65.37pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:68.6pt; top:26.82pt; line-height:13.41pt;"): prepared
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:119.57pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:122.79pt; top:26.82pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:133.75pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:136.97pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:155.53pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:158.75pt; top:26.82pt; line-height:13.41pt;"): request
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:201.16pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:204.38pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:215.01pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:218.23pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:236.79pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:240.01pt; top:26.82pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:304.26pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:307.48pt; top:26.82pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:341.03pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:344.26pt; top:26.82pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:358.6pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:361.82pt; top:26.82pt; line-height:13.41pt;"): matters
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:405.35pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:408.57pt; top:26.82pt; line-height:13.41pt;"): relevant
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:11.36pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:15.72pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:34.28pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:38.63pt; top:40.23pt; line-height:13.41pt;"): assessment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:103.51pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:107.87pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:118.5pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:122.85pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:141.41pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:145.77pt; top:40.23pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:182.32pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:186.68pt; top:40.23pt; line-height:13.41pt;"): situation.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:237.47pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:241.83pt; top:40.23pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:262.24pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:266.59pt; top:40.23pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:330.84pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:335.2pt; top:40.23pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:368.75pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:373.11pt; top:40.23pt; line-height:13.41pt;"): supported
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.48pt; left:430.68pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): Management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.37pt; left:75.35pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:79.61pt; top:53.64pt; line-height:13.41pt;"): Board’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.37pt; left:120.87pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:125.12pt; top:53.64pt; line-height:13.41pt;"): decisions
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.37pt; left:176.44pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:180.69pt; top:53.64pt; line-height:13.41pt;"): regarding
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.37pt; left:235.61pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:239.86pt; top:53.64pt; line-height:13.41pt;"): business
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.37pt; left:287.91pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:292.17pt; top:53.64pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.37pt; left:313.56pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:317.82pt; top:53.64pt; line-height:13.41pt;"): organisational
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.37pt; left:396.65pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:400.91pt; top:53.64pt; line-height:13.41pt;"): initiatives
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): designed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.95pt; left:51.53pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:60.37pt; top:67.04pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.95pt; left:71.73pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:80.57pt; top:67.04pt; line-height:13.41pt;"): provide
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.95pt; left:122.36pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:131.2pt; top:67.04pt; line-height:13.41pt;"): optimum
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.95pt; left:183.72pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.56pt; top:67.04pt; line-height:13.41pt;"): conditions
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.95pt; left:250.66pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:259.49pt; top:67.04pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.95pt; left:274.53pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:283.37pt; top:67.04pt; line-height:13.41pt;"): continued
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.95pt; left:340.28pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:349.12pt; top:67.04pt; line-height:13.41pt;"): development
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.95pt; left:423.37pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.2pt; top:67.04pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:80.45pt; line-height:13.41pt;"): achievement of strategic objectives.
      - div (class="awdiv", style="top:489.09pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:10.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:13.61pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:43pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:45.84pt; top:0pt; line-height:13.41pt;"): total
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:71.12pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:73.97pt; top:0pt; line-height:13.41pt;"): income
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:115.78pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:118.62pt; top:0pt; line-height:13.41pt;"): posted
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:156.93pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.77pt; top:0pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:173.19pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:176.04pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:216.55pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:219.4pt; top:0pt; line-height:13.41pt;"): Group
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:254.07pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:256.91pt; top:0pt; line-height:13.41pt;"): reached
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:302.2pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:305.05pt; top:0pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:317.85pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:320.7pt; top:0pt; line-height:13.41pt;"): all-time
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:363.05pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:365.89pt; top:0pt; line-height:13.41pt;"): high
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:391.29pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:394.14pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:404.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:407.61pt; top:0pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:430.93pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:433.78pt; top:0pt; line-height:13.41pt;"): 12,0
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): billion
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:33.64pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:38.2pt; top:13.41pt; line-height:13.41pt;"): (+11.2%
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:73.78pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:78.34pt; top:13.41pt; line-height:13.41pt;"): compared
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:135.56pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:140.12pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:151.49pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:156.04pt; top:13.41pt; line-height:13.41pt;"): 2023).
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:187.98pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.54pt; top:13.41pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:212.94pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.5pt; top:13.41pt; line-height:13.41pt;"): growth
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:257.94pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.49pt; top:13.41pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:284.03pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:288.59pt; top:13.41pt; line-height:13.41pt;"): driven
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:323.47pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:328.03pt; top:13.41pt; line-height:13.41pt;"): mainly
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:365.52pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:370.08pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:383.5pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:388.06pt; top:13.41pt; line-height:13.41pt;"): net
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:406.61pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:411.17pt; top:13.41pt; line-height:13.41pt;"): interest
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): income.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:44.14pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:48.16pt; top:26.82pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:58.92pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:62.94pt; top:26.82pt; line-height:13.41pt;"): annual
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:101.17pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:105.19pt; top:26.82pt; line-height:13.41pt;"): terms,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:140.09pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:144.1pt; top:26.82pt; line-height:13.41pt;"): excluding
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:198.59pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:202.6pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:221.16pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:225.17pt; top:26.82pt; line-height:13.41pt;"): impact
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:264.41pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:268.42pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:279.05pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:283.06pt; top:26.82pt; line-height:13.41pt;"): credit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:315.19pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:319.2pt; top:26.82pt; line-height:13.41pt;"): holidays,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:367.08pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:371.1pt; top:26.82pt; line-height:13.41pt;"): it
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:378.52pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:382.54pt; top:26.82pt; line-height:13.41pt;"): increased
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:436.16pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:440.17pt; top:26.82pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): 10.3%.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:31.24pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:36.09pt; top:40.23pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:56.5pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:61.35pt; top:40.23pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:125.6pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:130.45pt; top:40.23pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:164pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:168.85pt; top:40.23pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:177.19pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.04pt; top:40.23pt; line-height:13.41pt;"): pleased
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:225.07pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:229.92pt; top:40.23pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:241.29pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:246.14pt; top:40.23pt; line-height:13.41pt;"): note
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:271.59pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:276.44pt; top:40.23pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:299.31pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:304.16pt; top:40.23pt; line-height:13.41pt;"): such
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:330.58pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:335.43pt; top:40.23pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:341.92pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:346.77pt; top:40.23pt; line-height:13.41pt;"): strong
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:382.92pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:387.77pt; top:40.23pt; line-height:13.41pt;"): net
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.97pt; left:406.33pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:411.18pt; top:40.23pt; line-height:13.41pt;"): interest
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): income
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:41.81pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:45.83pt; top:53.64pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:67.36pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:71.38pt; top:53.64pt; line-height:13.41pt;"): generated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:129.13pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133.15pt; top:53.64pt; line-height:13.41pt;"): thanks
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:170.99pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:175pt; top:53.64pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:186.37pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:190.38pt; top:53.64pt; line-height:13.41pt;"): effective
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:237.35pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:241.37pt; top:53.64pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:317.88pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:321.9pt; top:53.64pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:332.53pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:336.54pt; top:53.64pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:355.1pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:359.11pt; top:53.64pt; line-height:13.41pt;"): deposit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:400.38pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:404.39pt; top:53.64pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.13pt; left:425.79pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:429.8pt; top:53.64pt; line-height:13.41pt;"): loan
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): margins
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:45.9pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:53.73pt; top:67.04pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:65.6pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:73.43pt; top:67.04pt; line-height:13.41pt;"): well
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:95.66pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:103.49pt; top:67.04pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:115.36pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:123.19pt; top:67.04pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:141.74pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:149.57pt; top:67.04pt; line-height:13.41pt;"): securities
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:202.01pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:209.84pt; top:67.04pt; line-height:13.41pt;"): portfolio
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:256.51pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:264.34pt; top:67.04pt; line-height:13.41pt;"): amid
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:292.92pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:300.75pt; top:67.04pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:307.24pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:315.07pt; top:67.04pt; line-height:13.41pt;"): favourable
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:373.51pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:381.34pt; top:67.04pt; line-height:13.41pt;"): interest
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.95pt; left:423.76pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:431.58pt; top:67.04pt; line-height:13.41pt;"): rate
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:80.45pt; line-height:13.41pt;"): environment. Net interest margin went up from 4.18% in 2023 to 4.35% in 2024.
      - div (class="awdiv", style="top:588.95pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): Net
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:20.05pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:22.52pt; top:0pt; line-height:13.41pt;"): fee
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:39.54pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:42.01pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:63.4pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:65.87pt; top:0pt; line-height:13.41pt;"): commission
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:133.32pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:135.79pt; top:0pt; line-height:13.41pt;"): income,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:179.93pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.4pt; top:0pt; line-height:13.41pt;"): despite
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:223.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:225.88pt; top:0pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:232.37pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:234.83pt; top:0pt; line-height:13.41pt;"): major
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:267.32pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:269.79pt; top:0pt; line-height:13.41pt;"): rise
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:289.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:291.65pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:302.05pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:304.52pt; top:0pt; line-height:13.41pt;"): commission
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:371.97pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:374.44pt; top:0pt; line-height:13.41pt;"): expense,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:422.86pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:425.33pt; top:0pt; line-height:13.41pt;"): grew
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:13.42pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:17.51pt; top:13.41pt; line-height:13.41pt;"): 2,9%
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:41.91pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:46pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:56.4pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:60.49pt; top:13.41pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:89.87pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:93.96pt; top:13.41pt; line-height:13.41pt;"): supported
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:151.54pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:155.62pt; top:13.41pt; line-height:13.41pt;"): mostly
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:192.96pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:197.05pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:210.47pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:214.56pt; top:13.41pt; line-height:13.41pt;"): rising
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:245.26pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:249.35pt; top:13.41pt; line-height:13.41pt;"): active
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:282.06pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:286.15pt; top:13.41pt; line-height:13.41pt;"): client
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:316.82pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:320.91pt; top:13.41pt; line-height:13.41pt;"): base,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:349.21pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:353.3pt; top:13.41pt; line-height:13.41pt;"): higher
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:389.75pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:393.84pt; top:13.41pt; line-height:13.41pt;"): number
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.21pt; left:438.88pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:442.96pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): transactions
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:68.02pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:71.97pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:93.37pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:97.32pt; top:26.82pt; line-height:13.41pt;"): value
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:126.78pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:130.73pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:141.36pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:145.31pt; top:26.82pt; line-height:13.41pt;"): financial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:191.98pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:195.93pt; top:26.82pt; line-height:13.41pt;"): products
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:245.6pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:249.55pt; top:26.82pt; line-height:13.41pt;"): sold,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:274.57pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:278.52pt; top:26.82pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:290.39pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:294.34pt; top:26.82pt; line-height:13.41pt;"): well
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:316.57pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:320.52pt; top:26.82pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; left:336.35pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:340.3pt; top:26.82pt; line-height:13.41pt;"): selective
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:388.15pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:392.1pt; top:26.82pt; line-height:13.41pt;"): changes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.07pt; left:439.24pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:443.19pt; top:26.82pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): the tariff of fees and commissions.
      - div (class="awdiv", style="top:648.59pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:40.51pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:44.26pt; top:0pt; line-height:13.41pt;"): Group
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:78.93pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:82.67pt; top:0pt; line-height:13.41pt;"): stands
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:119.29pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:123.03pt; top:0pt; line-height:13.41pt;"): out
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:141.8pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:145.54pt; top:0pt; line-height:13.41pt;"): among
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:185.59pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:189.34pt; top:0pt; line-height:13.41pt;"): banks
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:222.72pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:226.46pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:236.87pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:240.61pt; top:0pt; line-height:13.41pt;"): Poland
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:279.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:283.51pt; top:0pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:298.54pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:302.29pt; top:0pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:315.09pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.83pt; top:0pt; line-height:13.41pt;"): high
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:344.23pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:347.97pt; top:0pt; line-height:13.41pt;"): cost
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:370.91pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:374.65pt; top:0pt; line-height:13.41pt;"): efficiency.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.86pt; left:429.44pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:433.19pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): C/I ratio for 2024 stood at 28.2%.
  - div (class="awdiv awpage", style="width:595.3pt; height:841.9pt;")
    - div (class="awdiv", style="left:70.85pt; top:779.64pt; clip:rect(0pt,524.45pt,27.86pt,-70.85pt);")
      - span (class="awspan awtext001", style="font-size:11pt; left:448.02pt; top:0pt; line-height:13.43pt;"): 2
    - div (class="awdiv", style="left:70.85pt; top:70.85pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:20.41pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:22.73pt; top:0pt; line-height:13.41pt;"): cost
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:45.67pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:48pt; top:0pt; line-height:13.41pt;"): of
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:58.62pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:60.95pt; top:0pt; line-height:13.41pt;"): risk
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:80.31pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:82.64pt; top:0pt; line-height:13.41pt;"): in
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:93.05pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:95.38pt; top:0pt; line-height:13.41pt;"): 2024
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:122.43pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:124.75pt; top:0pt; line-height:13.41pt;"): fell
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:141.05pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:143.38pt; top:0pt; line-height:13.41pt;"): to
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:154.74pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:157.07pt; top:0pt; line-height:13.41pt;"): 49
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:171.04pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:173.37pt; top:0pt; line-height:13.41pt;"): bps,
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:195.99pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:198.32pt; top:0pt; line-height:13.41pt;"): compared
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:255.54pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:257.87pt; top:0pt; line-height:13.41pt;"): with
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:282.41pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:284.74pt; top:0pt; line-height:13.41pt;"): 93
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:297.65pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:299.98pt; top:0pt; line-height:13.41pt;"): bps
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:320.27pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:322.6pt; top:0pt; line-height:13.41pt;"): in
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:333.01pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:335.33pt; top:0pt; line-height:13.41pt;"): 2023.
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:363.65pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:365.98pt; top:0pt; line-height:13.41pt;"): As
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:379.24pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:381.57pt; top:0pt; line-height:13.41pt;"): at
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:392.53pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:394.86pt; top:0pt; line-height:13.41pt;"): December
      - span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): 31,
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:12.51pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:16.63pt; top:13.41pt; line-height:13.41pt;"): 2024,
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:46.01pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:50.14pt; top:13.41pt; line-height:13.41pt;"): the
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:68.69pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:72.82pt; top:13.41pt; line-height:13.41pt;"): non-performing
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:161.98pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:166.11pt; top:13.41pt; line-height:13.41pt;"): loans
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:195.28pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:199.4pt; top:13.41pt; line-height:13.41pt;"): (NPL)
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:229.96pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:234.09pt; top:13.41pt; line-height:13.41pt;"): ratio
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:259.31pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:263.43pt; top:13.41pt; line-height:13.41pt;"): amounted
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:321.91pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:326.03pt; top:13.41pt; line-height:13.41pt;"): to
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:337.39pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:341.52pt; top:13.41pt; line-height:13.41pt;"): 4.1%,
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:366.54pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:370.67pt; top:13.41pt; line-height:13.41pt;"): which
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:404.38pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:408.51pt; top:13.41pt; line-height:13.41pt;"): is
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:416.85pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:420.97pt; top:13.41pt; line-height:13.41pt;"): 0.1
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:434.55pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:438.68pt; top:13.41pt; line-height:13.41pt;"): pp
      - span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): down on the previous year.
      - div (class="awdiv", style="top:46.23pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:22.73pt; top:0pt; line-height:13.41pt;"): costs
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:51.04pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:53.36pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:63.99pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:66.31pt; top:0pt; line-height:13.41pt;"): legal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:92.9pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:95.22pt; top:0pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:114.58pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.9pt; top:0pt; line-height:13.41pt;"): related
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:155.98pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:158.29pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:169.66pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:171.98pt; top:0pt; line-height:13.41pt;"): foreign
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:211.61pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:213.93pt; top:0pt; line-height:13.41pt;"): currency
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:262.6pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:264.92pt; top:0pt; line-height:13.41pt;"): mortgage
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:320.59pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:322.91pt; top:0pt; line-height:13.41pt;"): loans
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:352.08pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:354.4pt; top:0pt; line-height:13.41pt;"): were
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:381.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:384.09pt; top:0pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:390.58pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:392.9pt; top:0pt; line-height:13.41pt;"): major
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.56pt; left:425.38pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:427.7pt; top:0pt; line-height:13.41pt;"): drag
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:14.34pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:21.62pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:40.18pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:47.46pt; top:13.41pt; line-height:13.41pt;"): Group’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:89.84pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:97.12pt; top:13.41pt; line-height:13.41pt;"): financial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:143.79pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:151.07pt; top:13.41pt; line-height:13.41pt;"): performance.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:225.4pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:232.67pt; top:13.41pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:253.08pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:260.36pt; top:13.41pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:324.61pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:331.89pt; top:13.41pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:365.44pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:372.71pt; top:13.41pt; line-height:13.41pt;"): devoted
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.4pt; left:418.24pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:425.52pt; top:13.41pt; line-height:13.41pt;"): close
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): attention
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:51.28pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:54.53pt; top:26.82pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:65.89pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:69.13pt; top:26.82pt; line-height:13.41pt;"): issues
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:102.27pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:105.52pt; top:26.82pt; line-height:13.41pt;"): connected
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:164.91pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:168.15pt; top:26.82pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:192.69pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:195.93pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:214.49pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.73pt; top:26.82pt; line-height:13.41pt;"): FX
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:231.91pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.15pt; top:26.82pt; line-height:13.41pt;"): mortgage
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:290.83pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:294.07pt; top:26.82pt; line-height:13.41pt;"): portfolio,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:343.07pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:346.32pt; top:26.82pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:380.03pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.27pt; top:26.82pt; line-height:13.41pt;"): included
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.36pt; left:431.8pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): monitoring
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:62.7pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:68.33pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:78.95pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:84.58pt; top:40.23pt; line-height:13.41pt;"): out-of-court
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:151.75pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:157.38pt; top:40.23pt; line-height:13.41pt;"): settlements
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:223.54pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:229.17pt; top:40.23pt; line-height:13.41pt;"): signed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:266.6pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:272.23pt; top:40.23pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:296.77pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:302.4pt; top:40.23pt; line-height:13.41pt;"): clients
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:338.45pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:344.07pt; top:40.23pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:355.94pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:361.57pt; top:40.23pt; line-height:13.41pt;"): well
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:383.8pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:389.43pt; top:40.23pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.75pt; left:401.3pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:406.93pt; top:40.23pt; line-height:13.41pt;"): financial
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): settlements
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:66.17pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:70.29pt; top:53.64pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:94.83pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:98.95pt; top:53.64pt; line-height:13.41pt;"): clients
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:134.99pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:139.12pt; top:53.64pt; line-height:13.41pt;"): following
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:190.18pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:194.3pt; top:53.64pt; line-height:13.41pt;"): court
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:223.67pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:227.79pt; top:53.64pt; line-height:13.41pt;"): judgements.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:297.79pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:301.92pt; top:53.64pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:312.68pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:316.8pt; top:53.64pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:346.19pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:350.31pt; top:53.64pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.24pt; left:390.82pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:394.94pt; top:53.64pt; line-height:13.41pt;"): concluded
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:24.54pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:28.71pt; top:67.04pt; line-height:13.41pt;"): borrowers
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:84.89pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:89.06pt; top:67.04pt; line-height:13.41pt;"): almost
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:126.93pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:131.1pt; top:67.04pt; line-height:13.41pt;"): 9,600
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:161.39pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:165.57pt; top:67.04pt; line-height:13.41pt;"): settlement
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:226.35pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:230.52pt; top:67.04pt; line-height:13.41pt;"): agreements
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:297.87pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:302.04pt; top:67.04pt; line-height:13.41pt;"): regarding
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:356.95pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:361.12pt; top:67.04pt; line-height:13.41pt;"): foreign
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:400.76pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:404.93pt; top:67.04pt; line-height:13.41pt;"): currency
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:80.45pt; line-height:13.41pt;"): loans,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:31.5pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:34.92pt; top:80.45pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:56.31pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:59.72pt; top:80.45pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:78.28pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:81.69pt; top:80.45pt; line-height:13.41pt;"): total
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:106.97pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:110.38pt; top:80.45pt; line-height:13.41pt;"): number
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:155.41pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:158.82pt; top:80.45pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:169.45pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:172.86pt; top:80.45pt; line-height:13.41pt;"): signed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:210.29pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:213.7pt; top:80.45pt; line-height:13.41pt;"): settlements
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:279.87pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:283.28pt; top:80.45pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:297.62pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:301.04pt; top:80.45pt; line-height:13.41pt;"): FX
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:315.21pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.62pt; top:80.45pt; line-height:13.41pt;"): loans
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:347.8pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:351.21pt; top:80.45pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:362.16pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:365.58pt; top:80.45pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:384.13pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:387.54pt; top:80.45pt; line-height:13.41pt;"): end
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:409.09pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:412.5pt; top:80.45pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.53pt; left:423.13pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:426.54pt; top:80.45pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:93.86pt; line-height:13.41pt;"): amounted to 22,900.
      - div (class="awdiv", style="top:159.5pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): Total
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:27.13pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:29.97pt; top:0pt; line-height:13.41pt;"): costs
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:58.28pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:61.12pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:71.74pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:74.58pt; top:0pt; line-height:13.41pt;"): legal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:101.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:104.02pt; top:0pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:123.38pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:126.22pt; top:0pt; line-height:13.41pt;"): related
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:165.29pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:168.13pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:179.49pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.33pt; top:0pt; line-height:13.41pt;"): FX
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:196.51pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:199.35pt; top:0pt; line-height:13.41pt;"): loans
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:228.52pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:231.36pt; top:0pt; line-height:13.41pt;"): recognised
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:292.94pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:295.78pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:306.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:309.02pt; top:0pt; line-height:13.41pt;"): profit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:338.94pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:341.78pt; top:0pt; line-height:13.41pt;"): or
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:353.09pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:355.93pt; top:0pt; line-height:13.41pt;"): loss
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:376.54pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:379.38pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:389.79pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:392.63pt; top:0pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.04pt; left:419.68pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:422.52pt; top:0pt; line-height:13.41pt;"): stood
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:10.96pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:14.27pt; top:13.41pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:37.6pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:40.91pt; top:13.41pt; line-height:13.41pt;"): 4.3
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:56.72pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:60.04pt; top:13.41pt; line-height:13.41pt;"): billion
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:93.68pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:97pt; top:13.41pt; line-height:13.41pt;"): compared
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:154.22pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:157.54pt; top:13.41pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:182.08pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:185.4pt; top:13.41pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:208.72pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:212.04pt; top:13.41pt; line-height:13.41pt;"): 4.9
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:228.34pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:231.66pt; top:13.41pt; line-height:13.41pt;"): billion
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:265.3pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:268.61pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:279.02pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:282.34pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:300.9pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:304.22pt; top:13.41pt; line-height:13.41pt;"): previous
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:351.33pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:354.65pt; top:13.41pt; line-height:13.41pt;"): y
        
        span (class="awspan awtext003", style="font-size:11pt; left:360.61pt; top:13.41pt; line-height:13.41pt;"): ear.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:380.49pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.81pt; top:13.41pt; line-height:13.41pt;"): This
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:405.9pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:409.22pt; top:13.41pt; line-height:13.41pt;"): amount
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): predominantly
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:82.27pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:90.23pt; top:26.82pt; line-height:13.41pt;"): resulted
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:135.6pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:143.56pt; top:26.82pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:170.27pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:178.23pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:196.79pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:204.75pt; top:26.82pt; line-height:13.41pt;"): updated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:252.13pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:260.09pt; top:26.82pt; line-height:13.41pt;"): forecast
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:304.3pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:312.26pt; top:26.82pt; line-height:13.41pt;"): number
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:357.3pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:365.26pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:375.89pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.85pt; top:26.82pt; line-height:13.41pt;"): court
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.08pt; left:413.22pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:421.18pt; top:26.82pt; line-height:13.41pt;"): cases,
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): expected
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:51.38pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.64pt; top:40.23pt; line-height:13.41pt;"): costs
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:83.96pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:88.21pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:98.84pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:103.1pt; top:40.23pt; line-height:13.41pt;"): court
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:132.47pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:136.73pt; top:40.23pt; line-height:13.41pt;"): judgements
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:204.4pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:208.66pt; top:40.23pt; line-height:13.41pt;"): unfavourable
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:281.96pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:286.22pt; top:40.23pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:297.58pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:301.84pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:320.4pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:324.66pt; top:40.23pt; line-height:13.41pt;"): Bank,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:355.83pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:360.09pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:378.65pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:382.91pt; top:40.23pt; line-height:13.41pt;"): number
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.38pt; left:427.94pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.2pt; top:40.23pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): costs
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:28.31pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:34.69pt; top:53.64pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:45.32pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:51.69pt; top:53.64pt; line-height:13.41pt;"): settlements
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:117.86pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:124.23pt; top:53.64pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:148.77pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:155.15pt; top:53.64pt; line-height:13.41pt;"): borrowers
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:211.33pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.7pt; top:53.64pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:239.1pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:245.47pt; top:53.64pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:259.41pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:265.79pt; top:53.64pt; line-height:13.41pt;"): update
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:305.71pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:312.08pt; top:53.64pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:322.71pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:329.08pt; top:53.64pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:347.64pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:354.02pt; top:53.64pt; line-height:13.41pt;"): remaining
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.49pt; left:411.59pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:417.97pt; top:53.64pt; line-height:13.41pt;"): model
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): parameters.
      - div (class="awdiv", style="top:245.95pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:23.42pt; top:0pt; line-height:13.41pt;"): legal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:50.02pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:53.03pt; top:0pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:72.39pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:75.41pt; top:0pt; line-height:13.41pt;"): provision
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:125.78pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:128.79pt; top:0pt; line-height:13.41pt;"): coverage
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:179.58pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.59pt; top:0pt; line-height:13.41pt;"): ratio
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:207.82pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:210.83pt; top:0pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:225.87pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:228.88pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:247.44pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:250.46pt; top:0pt; line-height:13.41pt;"): portfolio
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:297.13pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:300.14pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:310.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:313.79pt; top:0pt; line-height:13.41pt;"): active
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:346.5pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:349.51pt; top:0pt; line-height:13.41pt;"): CHF
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:373.33pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.34pt; top:0pt; line-height:13.41pt;"): loans
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:405.52pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:408.53pt; top:0pt; line-height:13.41pt;"): stood
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.13pt; left:439.63pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:442.64pt; top:0pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): 147%
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:26.84pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:30.35pt; top:13.41pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:41.3pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:44.81pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:63.37pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:66.87pt; top:13.41pt; line-height:13.41pt;"): end
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:88.42pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:91.93pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:102.56pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:106.06pt; top:13.41pt; line-height:13.41pt;"): 2024.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:135.44pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:138.95pt; top:13.41pt; line-height:13.41pt;"): From
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:168.89pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:172.4pt; top:13.41pt; line-height:13.41pt;"): quarter
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:213.68pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.19pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:228.55pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:232.06pt; top:13.41pt; line-height:13.41pt;"): quarter,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:275.67pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:279.18pt; top:13.41pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:285.67pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:289.18pt; top:13.41pt; line-height:13.41pt;"): decrease
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:339.04pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:342.55pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:352.95pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:356.46pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:375.02pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:378.53pt; top:13.41pt; line-height:13.41pt;"): inflow
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:412.19pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:415.69pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.62pt; left:426.32pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:429.83pt; top:13.41pt; line-height:13.41pt;"): new
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): lawsuits
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:44.7pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:49.98pt; top:26.82pt; line-height:13.41pt;"): concerning
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:113.16pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:118.44pt; top:26.82pt; line-height:13.41pt;"): FX
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:132.62pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:137.89pt; top:26.82pt; line-height:13.41pt;"): loan
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:161.68pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:166.96pt; top:26.82pt; line-height:13.41pt;"): agreements
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:234.3pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:239.57pt; top:26.82pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:261.11pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:266.38pt; top:26.82pt; line-height:13.41pt;"): observed.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:319.57pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:324.84pt; top:26.82pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:345.25pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:350.52pt; top:26.82pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.39pt; left:414.77pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.05pt; top:26.82pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): believes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:44.65pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:53.06pt; top:40.23pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:75.93pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:84.34pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:102.89pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:111.31pt; top:40.23pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:140.15pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:148.56pt; top:40.23pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:156.9pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:165.3pt; top:40.23pt; line-height:13.41pt;"): well
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:187.54pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:195.95pt; top:40.23pt; line-height:13.41pt;"): protected
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:250.58pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:258.99pt; top:40.23pt; line-height:13.41pt;"): against
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:299.77pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:308.18pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:326.74pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:335.15pt; top:40.23pt; line-height:13.41pt;"): legal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:361.74pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:370.15pt; top:40.23pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:389.52pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:397.92pt; top:40.23pt; line-height:13.41pt;"): posed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.53pt; left:431.76pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:440.17pt; top:40.23pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): FX mortgages
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.62pt; left:78.11pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:85.61pt; top:53.64pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.62pt; left:107.01pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:114.51pt; top:53.64pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.62pt; left:137.38pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:144.88pt; top:53.64pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.62pt; left:163.44pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:170.94pt; top:53.64pt; line-height:13.41pt;"): problems
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.62pt; left:223.82pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:231.32pt; top:53.64pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.62pt; left:255.87pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:263.37pt; top:53.64pt; line-height:13.41pt;"): borrowers
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.62pt; left:319.55pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:327.05pt; top:53.64pt; line-height:13.41pt;"): massively
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.62pt; left:380.45pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:387.96pt; top:53.64pt; line-height:13.41pt;"): challenging
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): contractual provisions are gradually coming to an end.
      - div (class="awdiv", style="top:332.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:40.51pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:44.7pt; top:0pt; line-height:13.41pt;"): Group
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:79.37pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.56pt; top:0pt; line-height:13.41pt;"): closed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:119.09pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:123.28pt; top:0pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:150.33pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:154.52pt; top:0pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:179.06pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:183.25pt; top:0pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:189.74pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:193.93pt; top:0pt; line-height:13.41pt;"): net
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:212.49pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:216.68pt; top:0pt; line-height:13.41pt;"): profit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:246.6pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:250.78pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:261.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:265.6pt; top:0pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:288.92pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:293.11pt; top:0pt; line-height:13.41pt;"): 2,243
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:321.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:325.6pt; top:0pt; line-height:13.41pt;"): million
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:363.45pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:367.64pt; top:0pt; line-height:13.41pt;"): compared
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.31pt; left:424.86pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:429.05pt; top:0pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): PLN 24 million in 2023. The return on equity (ROE) amounted to 14.8%.
      - div (class="awdiv", style="top:365.23pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): Net
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:20.05pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:22.92pt; top:0pt; line-height:13.41pt;"): profit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:52.85pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.72pt; top:0pt; line-height:13.41pt;"): generated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:113.47pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.34pt; top:0pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:129.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:132.63pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:151.19pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:154.06pt; top:0pt; line-height:13.41pt;"): Group’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:196.44pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:199.32pt; top:0pt; line-height:13.41pt;"): core
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:223.46pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:226.33pt; top:0pt; line-height:13.41pt;"): business,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:276.71pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:279.58pt; top:0pt; line-height:13.41pt;"): i.e.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:293.85pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:296.72pt; top:0pt; line-height:13.41pt;"): excluding
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:351.21pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:354.08pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:372.64pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:375.51pt; top:0pt; line-height:13.41pt;"): FX
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.01pt; left:389.69pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:392.56pt; top:0pt; line-height:13.41pt;"): mortgages
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): segment,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:52.13pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.71pt; top:13.41pt; line-height:13.41pt;"): reached
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:100.99pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:104.57pt; top:13.41pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:127.89pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:131.46pt; top:13.41pt; line-height:13.41pt;"): 5,638
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:159.94pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:163.52pt; top:13.41pt; line-height:13.41pt;"): million,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:203.7pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:207.28pt; top:13.41pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:240.99pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:244.57pt; top:13.41pt; line-height:13.41pt;"): represents
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:303.45pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:307.03pt; top:13.41pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:313.52pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:317.09pt; top:13.41pt; line-height:13.41pt;"): year-on-year
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:386.86pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:390.43pt; top:13.41pt; line-height:13.41pt;"): increase
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.69pt; left:436.6pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:440.17pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): 22.4%.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:33.55pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:36.09pt; top:26.82pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:56.49pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:59.03pt; top:26.82pt; line-height:13.41pt;"): ROE
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:83.58pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:86.12pt; top:26.82pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:101.15pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:103.69pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:122.25pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:124.79pt; top:26.82pt; line-height:13.41pt;"): Group’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:167.17pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:169.71pt; top:26.82pt; line-height:13.41pt;"): core
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:193.86pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:196.4pt; top:26.82pt; line-height:13.41pt;"): business
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:244.45pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:246.99pt; top:26.82pt; line-height:13.41pt;"): reached
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:292.27pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:294.81pt; top:26.82pt; line-height:13.41pt;"): 39.7%.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:327.98pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:330.52pt; top:26.82pt; line-height:13.41pt;"): This
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:352.62pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:355.16pt; top:26.82pt; line-height:13.41pt;"): demonstrates
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:432.51pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.05pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): real
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:20.5pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:26.03pt; top:40.23pt; line-height:13.41pt;"): strength
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:73.84pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:79.37pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:89.99pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:95.52pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:114.08pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:119.61pt; top:40.23pt; line-height:13.41pt;"): Group’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:161.99pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:167.52pt; top:40.23pt; line-height:13.41pt;"): business
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:215.57pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:221.1pt; top:40.23pt; line-height:13.41pt;"): model
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:256.73pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.26pt; top:40.23pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:283.65pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:289.18pt; top:40.23pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:301.98pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:307.51pt; top:40.23pt; line-height:13.41pt;"): ability
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:340.77pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:346.3pt; top:40.23pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:357.66pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:363.19pt; top:40.23pt; line-height:13.41pt;"): create
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:398.04pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:403.56pt; top:40.23pt; line-height:13.41pt;"): value
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:433.02pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:438.55pt; top:40.23pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): shareholders.
      - div (class="awdiv", style="top:438.27pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:10.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:19.37pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:48.75pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:57.36pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:75.92pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:84.52pt; top:0pt; line-height:13.41pt;"): Management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:159.87pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:168.47pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:202.02pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:210.63pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:232.02pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:240.63pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:259.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:267.79pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:332.04pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:340.64pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:374.19pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:382.8pt; top:0pt; line-height:13.41pt;"): kept
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.72pt; left:407.98pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:416.58pt; top:0pt; line-height:13.41pt;"): capital
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:76.52pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:79.84pt; top:13.41pt; line-height:13.41pt;"): under
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:113.21pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.54pt; top:13.41pt; line-height:13.41pt;"): close
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:144.61pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:147.93pt; top:13.41pt; line-height:13.41pt;"): scrutiny.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:194.49pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:197.82pt; top:13.41pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:208.58pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:211.91pt; top:13.41pt; line-height:13.41pt;"): order
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:241.73pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:245.06pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:256.42pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:259.75pt; top:13.41pt; line-height:13.41pt;"): strengthen
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:321.65pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:324.98pt; top:13.41pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:337.78pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:341.11pt; top:13.41pt; line-height:13.41pt;"): capital
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:378.12pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:381.45pt; top:13.41pt; line-height:13.41pt;"): base,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.45pt; left:409.76pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:413.08pt; top:13.41pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:21.54pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:25.94pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:44.5pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:48.9pt; top:26.82pt; line-height:13.41pt;"): first
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:69.85pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:74.25pt; top:26.82pt; line-height:13.41pt;"): commercial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:140.34pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:144.74pt; top:26.82pt; line-height:13.41pt;"): bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:172.75pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:177.15pt; top:26.82pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:187.56pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:191.96pt; top:26.82pt; line-height:13.41pt;"): Poland
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:231.11pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.52pt; top:26.82pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:246.88pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:251.28pt; top:26.82pt; line-height:13.41pt;"): place
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:281.03pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:285.43pt; top:26.82pt; line-height:13.41pt;"): AT1
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:303.6pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:308.01pt; top:26.82pt; line-height:13.41pt;"): bonds
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:342.65pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:347.05pt; top:26.82pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:358.41pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:362.82pt; top:26.82pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:369.31pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:373.71pt; top:26.82pt; line-height:13.41pt;"): wide
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:400.44pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:404.85pt; top:26.82pt; line-height:13.41pt;"): group
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.52pt; left:438.56pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:442.96pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): investors,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:51.88pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:54.52pt; top:40.23pt; line-height:13.41pt;"): thus
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:79.21pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:81.86pt; top:40.23pt; line-height:13.41pt;"): raising
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:119.05pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:121.69pt; top:40.23pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:145.01pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:147.65pt; top:40.23pt; line-height:13.41pt;"): 1.5
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:160.18pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:162.82pt; top:40.23pt; line-height:13.41pt;"): billion.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:198.79pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:201.43pt; top:40.23pt; line-height:13.41pt;"): Moreover,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:256.14pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:258.78pt; top:40.23pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:269.18pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:271.83pt; top:40.23pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:301.21pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:303.85pt; top:40.23pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:344.36pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:347pt; top:40.23pt; line-height:13.41pt;"): conducted
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.24pt; left:407.16pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:409.8pt; top:40.23pt; line-height:13.41pt;"): another
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): synthetic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:50.96pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.04pt; top:53.64pt; line-height:13.41pt;"): securitisation
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:129.09pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133.17pt; top:53.64pt; line-height:13.41pt;"): transaction.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:198.15pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:202.23pt; top:53.64pt; line-height:13.41pt;"): This
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:224.32pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:228.4pt; top:53.64pt; line-height:13.41pt;"): way,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:252.86pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:256.93pt; top:53.64pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:270.35pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:274.43pt; top:53.64pt; line-height:13.41pt;"): transferring
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:339.77pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:343.85pt; top:53.64pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:350.34pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:354.42pt; top:53.64pt; line-height:13.41pt;"): significant
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:411.99pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:416.07pt; top:53.64pt; line-height:13.41pt;"): part
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.2pt; left:438.89pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:442.97pt; top:53.64pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): credit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:32.13pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:36.97pt; top:67.04pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:56.33pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:61.17pt; top:67.04pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:87.88pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:92.72pt; top:67.04pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:111.28pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.12pt; top:67.04pt; line-height:13.41pt;"): corporate
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:169.99pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:174.83pt; top:67.04pt; line-height:13.41pt;"): loan
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:198.62pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:203.46pt; top:67.04pt; line-height:13.41pt;"): portfolio
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:250.13pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:254.98pt; top:67.04pt; line-height:13.41pt;"): worth
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:287.87pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:292.71pt; top:67.04pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:299.2pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:304.04pt; top:67.04pt; line-height:13.41pt;"): total
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:329.32pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:334.16pt; top:67.04pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:344.78pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:349.62pt; top:67.04pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:372.94pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:377.79pt; top:67.04pt; line-height:13.41pt;"): 5.24
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:399.86pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:404.7pt; top:67.04pt; line-height:13.41pt;"): billion
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.96pt; left:438.34pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:443.18pt; top:67.04pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:80.45pt; line-height:13.41pt;"): nominal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:45.87pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:51.58pt; top:80.45pt; line-height:13.41pt;"): terms,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:86.48pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:92.19pt; top:80.45pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:110.75pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.45pt; top:80.45pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:145.3pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:151pt; top:80.45pt; line-height:13.41pt;"): reduced
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:197.21pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:202.92pt; top:80.45pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:221.48pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:227.19pt; top:80.45pt; line-height:13.41pt;"): total
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:252.47pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:258.17pt; top:80.45pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:277.53pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:283.24pt; top:80.45pt; line-height:13.41pt;"): exposure
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:333.95pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:339.66pt; top:80.45pt; line-height:13.41pt;"): amount
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:384.03pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:389.74pt; top:80.45pt; line-height:13.41pt;"): (TREA)
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.83pt; left:426.49pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.2pt; top:80.45pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:93.86pt; line-height:13.41pt;"): increased the capital ratios.
      - div (class="awdiv", style="top:551.54pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): Consequently,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:78.95pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.26pt; top:0pt; line-height:13.41pt;"): despite
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:124.26pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:128.57pt; top:0pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:135.06pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:139.37pt; top:0pt; line-height:13.41pt;"): significant
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:196.95pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:201.26pt; top:0pt; line-height:13.41pt;"): rise
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:220.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:224.96pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:235.36pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:239.67pt; top:0pt; line-height:13.41pt;"): TREA
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:269.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:273.49pt; top:0pt; line-height:13.41pt;"): caused
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:313.06pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:317.37pt; top:0pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:330.79pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:335.1pt; top:0pt; line-height:13.41pt;"): business
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:383.15pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:387.46pt; top:0pt; line-height:13.41pt;"): growth
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.43pt; left:427.89pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.2pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): regulatory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:57.19pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:63.62pt; top:13.41pt; line-height:13.41pt;"): changes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:110.77pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:117.2pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:127.61pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:134.04pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:152.6pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.03pt; top:13.41pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:178.39pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:184.83pt; top:13.41pt; line-height:13.41pt;"): parameters
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:248.89pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:255.33pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:265.73pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:272.17pt; top:13.41pt; line-height:13.41pt;"): portfolios
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:324.22pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:330.65pt; top:13.41pt; line-height:13.41pt;"): covered
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:374.86pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:381.3pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:394.71pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:401.15pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.55pt; left:419.71pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:426.14pt; top:13.41pt; line-height:13.41pt;"): AIRB
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): approach,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:55.18pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:62.11pt; top:26.82pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:102.62pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:109.55pt; top:26.82pt; line-height:13.41pt;"): Group
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:144.22pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:151.15pt; top:26.82pt; line-height:13.41pt;"): managed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:204.9pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:211.83pt; top:26.82pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:223.19pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:230.12pt; top:26.82pt; line-height:13.41pt;"): keep
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:257.48pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:264.41pt; top:26.82pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:277.21pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:284.14pt; top:26.82pt; line-height:13.41pt;"): capital
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:321.16pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:328.09pt; top:26.82pt; line-height:13.41pt;"): ratios
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:358.69pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:365.62pt; top:26.82pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:376.57pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.5pt; top:26.82pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:389.99pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:396.92pt; top:26.82pt; line-height:13.41pt;"): safe
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.05pt; left:419.17pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:426.1pt; top:26.82pt; line-height:13.41pt;"): level,
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): significantly higher than the minimum supervisory requirements..
      - div (class="awdiv", style="top:611.18pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): As
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:13.27pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:16.34pt; top:0pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:27.3pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:30.38pt; top:0pt; line-height:13.41pt;"): December
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:89.13pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:92.21pt; top:0pt; line-height:13.41pt;"): 31,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:104.72pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:107.8pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:137.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:140.26pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:158.81pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:161.89pt; top:0pt; line-height:13.41pt;"): consolidated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:233.14pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:236.22pt; top:0pt; line-height:13.41pt;"): Tier
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:256.55pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:259.62pt; top:0pt; line-height:13.41pt;"): capital
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:296.64pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:299.72pt; top:0pt; line-height:13.41pt;"): ratio
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:324.94pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:328.02pt; top:0pt; line-height:13.41pt;"): stood
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:359.12pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:362.2pt; top:0pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:373.15pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.23pt; top:0pt; line-height:13.41pt;"): 14.5%,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:407.48pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:410.56pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.2pt; left:431.96pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): Total
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:27.13pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:29.92pt; top:13.41pt; line-height:13.41pt;"): Capital
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:68.65pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:71.44pt; top:13.41pt; line-height:13.41pt;"): Ratio
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:100.21pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:103pt; top:13.41pt; line-height:13.41pt;"): (TCR)
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:132.41pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:135.2pt; top:13.41pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:156.74pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.53pt; top:13.41pt; line-height:13.41pt;"): 15.9%.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:190.21pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:193.01pt; top:13.41pt; line-height:13.41pt;"): Buffers
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:232.59pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.39pt; top:13.41pt; line-height:13.41pt;"): above
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:268.84pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:271.63pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:290.19pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:292.98pt; top:13.41pt; line-height:13.41pt;"): minimum
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:348.76pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:351.55pt; top:13.41pt; line-height:13.41pt;"): KNF
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.09pt; left:375.28pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:378.07pt; top:13.41pt; line-height:13.41pt;"): requirements
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): reached 5.4 pp and 4.8 pp, respectively
        
        span (class="awspan awtext003", style="font-size:11pt; color:#ff0000; left:214.27pt; top:26.82pt; line-height:13.41pt;"): .
      - div (class="awdiv", style="top:657.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:10.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:18.19pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:47.57pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:54.99pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:73.55pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:80.97pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:145.22pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:152.64pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:186.19pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:193.61pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:204.23pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:211.65pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:230.21pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:237.63pt; top:0pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:266.47pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:273.89pt; top:0pt; line-height:13.41pt;"): approved
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:326.67pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:334.09pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:352.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:360.07pt; top:0pt; line-height:13.41pt;"): updated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.54pt; left:407.45pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:414.86pt; top:0pt; line-height:13.41pt;"): Capital
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): Management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:75.35pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:78.27pt; top:13.41pt; line-height:13.41pt;"): Strategy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:125.02pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:127.95pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:138.57pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:141.49pt; top:13.41pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:182.01pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:184.93pt; top:13.41pt; line-height:13.41pt;"): Group,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:221.93pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:224.86pt; top:13.41pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:258.57pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:261.5pt; top:13.41pt; line-height:13.41pt;"): provides
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:308.66pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:311.59pt; top:13.41pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:326.62pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:329.55pt; top:13.41pt; line-height:13.41pt;"): no
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:343.89pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:346.81pt; top:13.41pt; line-height:13.41pt;"): dividend
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.04pt; left:395.16pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:398.08pt; top:13.41pt; line-height:13.41pt;"): payments
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:26.71pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:29.14pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:47.69pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:50.12pt; top:26.82pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:86.68pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:89.11pt; top:26.82pt; line-height:13.41pt;"): profit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:119.03pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:121.45pt; top:26.82pt; line-height:13.41pt;"): generated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:179.2pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:181.63pt; top:26.82pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:192.04pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:194.47pt; top:26.82pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:221.52pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:223.95pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:245.34pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:247.77pt; top:26.82pt; line-height:13.41pt;"): 2025.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:276.11pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:278.54pt; top:26.82pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:298.94pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:301.37pt; top:26.82pt; line-height:13.41pt;"): retained
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:347.89pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:350.32pt; top:26.82pt; line-height:13.41pt;"): profit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:380.24pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:382.67pt; top:26.82pt; line-height:13.41pt;"): will
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:401.21pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:403.64pt; top:26.82pt; line-height:13.41pt;"): allow
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.45pt; left:432.61pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:26.82pt; line-height:13.41pt;"): the
  - div (class="awdiv awpage", style="width:595.3pt; height:841.9pt;")
    - div (class="awdiv", style="left:70.85pt; top:779.64pt; clip:rect(0pt,524.45pt,27.86pt,-70.85pt);")
      - span (class="awspan awtext001", style="font-size:11pt; left:448.02pt; top:0pt; line-height:13.43pt;"): 3
    - div (class="awdiv", style="left:70.85pt; top:70.85pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): Bank
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:28.84pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:31.39pt; top:0pt; line-height:13.41pt;"): to
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:42.75pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:45.3pt; top:0pt; line-height:13.41pt;"): increase
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:91.46pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:94.01pt; top:0pt; line-height:13.41pt;"): loan
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:117.8pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:120.35pt; top:0pt; line-height:13.41pt;"): volumes,
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:169.6pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:172.14pt; top:0pt; line-height:13.41pt;"): and
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:193.54pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:196.08pt; top:0pt; line-height:13.41pt;"): at
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:207.04pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:209.59pt; top:0pt; line-height:13.41pt;"): the
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:228.14pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:230.69pt; top:0pt; line-height:13.41pt;"): same
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:260.87pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:263.42pt; top:0pt; line-height:13.41pt;"): time,
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:291.49pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:294.04pt; top:0pt; line-height:13.41pt;"): keep
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:321.39pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:323.94pt; top:0pt; line-height:13.41pt;"): its
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:336.74pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:339.29pt; top:0pt; line-height:13.41pt;"): capital
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:376.3pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:378.85pt; top:0pt; line-height:13.41pt;"): buffers
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.34pt; left:417.6pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:420.15pt; top:0pt; line-height:13.41pt;"): above
      - span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): regulatory requirements and in line with the Bank's strategy.
      - div (class="awdiv", style="top:32.82pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:23.35pt; top:0pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:50.4pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:53.34pt; top:0pt; line-height:13.41pt;"): issue
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:81.1pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:84.05pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:94.67pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:97.62pt; top:0pt; line-height:13.41pt;"): green
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:130.31pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133.25pt; top:0pt; line-height:13.41pt;"): preferred
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:185.06pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:188pt; top:0pt; line-height:13.41pt;"): senior
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:221.74pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:224.68pt; top:0pt; line-height:13.41pt;"): bonds
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:259.32pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.27pt; top:0pt; line-height:13.41pt;"): under
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:295.63pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:298.57pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:317.13pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:320.07pt; top:0pt; line-height:13.41pt;"): EMTN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:353.19pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:356.14pt; top:0pt; line-height:13.41pt;"): Programme,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.06pt; left:426.11pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:429.05pt; top:0pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:6.49pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:12.1pt; top:13.41pt; line-height:13.41pt;"): nominal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:57.97pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:63.59pt; top:13.41pt; line-height:13.41pt;"): value
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:93.05pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:98.66pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:109.29pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:114.9pt; top:13.41pt; line-height:13.41pt;"): EUR
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:138.92pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:144.54pt; top:13.41pt; line-height:13.41pt;"): 500
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:165.33pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:170.94pt; top:13.41pt; line-height:13.41pt;"): million,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:211.12pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:216.74pt; top:13.41pt; line-height:13.41pt;"): enabled
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:261.84pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:267.45pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:286.01pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:291.62pt; top:13.41pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:320.47pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:326.08pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:337.44pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:343.06pt; top:13.41pt; line-height:13.41pt;"): meet
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:372.48pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:378.1pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:396.65pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:402.27pt; top:13.41pt; line-height:13.41pt;"): MREL
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.73pt; left:434.56pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:440.18pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): a significant
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:66.95pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:72.47pt; top:26.82pt; line-height:13.41pt;"): margin.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:115.33pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:120.86pt; top:26.82pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:141.26pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:146.79pt; top:26.82pt; line-height:13.41pt;"): proceeds
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:197.88pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:203.41pt; top:26.82pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:230.12pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.64pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:254.2pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:259.73pt; top:26.82pt; line-height:13.41pt;"): issue
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:287.49pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:293.02pt; top:26.82pt; line-height:13.41pt;"): were
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:320.39pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:325.92pt; top:26.82pt; line-height:13.41pt;"): allocated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:376.48pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:382.01pt; top:26.82pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.65pt; left:397.04pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:402.57pt; top:26.82pt; line-height:13.41pt;"): purposes
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): consistent
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:57.28pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:66.84pt; top:40.23pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:91.38pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:100.95pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:119.5pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:129.07pt; top:40.23pt; line-height:13.41pt;"): assumptions
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:200pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:209.56pt; top:40.23pt; line-height:13.41pt;"): adopted
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:256.43pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:266pt; top:40.23pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:276.4pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:285.97pt; top:40.23pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:326.48pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:336.05pt; top:40.23pt; line-height:13.41pt;"): Group
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:370.72pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:380.29pt; top:40.23pt; line-height:13.41pt;"): Green
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.68pt; left:413.93pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:423.5pt; top:40.23pt; line-height:13.41pt;"): Bond
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): Framework.
      - div (class="awdiv", style="top:105.86pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:40.51pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:43.18pt; top:0pt; line-height:13.41pt;"): Group’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:85.56pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:88.23pt; top:0pt; line-height:13.41pt;"): liquidity
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:132.81pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:135.48pt; top:0pt; line-height:13.41pt;"): position
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:179.94pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.6pt; top:0pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:190.94pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:193.61pt; top:0pt; line-height:13.41pt;"): comfortable,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:263.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:266.42pt; top:0pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:278.29pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:280.96pt; top:0pt; line-height:13.41pt;"): demonstrated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:360.39pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:363.05pt; top:0pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:376.47pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:379.14pt; top:0pt; line-height:13.41pt;"): high
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:404.54pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:407.2pt; top:0pt; line-height:13.41pt;"): LCR
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.22pt; left:429.55pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.21pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): NSFR and a net loans-to-deposits ratio of 60.5% as at December 31, 2024.
      - div (class="awdiv", style="top:138.68pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In 2024, the scale of the Group’s operations grew:
      - div (class="awdiv", style="top:158.09pt;")
        
        span (class="awspan awtext004", style="font-size:11pt; left:0pt; top:0.75pt; line-height:13.2pt;"): -
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:0pt; line-height:13.41pt;"): total assets reached PLN 246.0 billion as at December 31, 2024 (+8.4% YoY),
      - div (class="awdiv", style="top:171.5pt;")
        
        span (class="awspan awtext004", style="font-size:11pt; left:0pt; top:0.75pt; line-height:13.2pt;"): -
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:0pt; line-height:13.41pt;"): gross
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:47.61pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.68pt; top:0pt; line-height:13.41pt;"): loans
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:84.85pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:92.92pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:114.32pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:122.39pt; top:0pt; line-height:13.41pt;"): advances
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:174.45pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.52pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:193.88pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:201.95pt; top:0pt; line-height:13.41pt;"): customers
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:260.39pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:268.46pt; top:0pt; line-height:13.41pt;"): amounted
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:326.94pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:335.01pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:346.37pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:354.44pt; top:0pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:377.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:385.83pt; top:0pt; line-height:13.41pt;"): 125.0
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.19pt; left:411.89pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:419.96pt; top:0pt; line-height:13.41pt;"): billion
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:13.41pt; line-height:13.41pt;"): (+6.6% YoY),
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:82.49pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:87.83pt; top:13.41pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:112.37pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:117.71pt; top:13.41pt; line-height:13.41pt;"): growth
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:158.14pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:163.48pt; top:13.41pt; line-height:13.41pt;"): reported
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:211.87pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.2pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:227.61pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:232.95pt; top:13.41pt; line-height:13.41pt;"): both
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:259.21pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:264.55pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:283.11pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:288.44pt; top:13.41pt; line-height:13.41pt;"): retail
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:316.37pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:321.71pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:343.1pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:348.44pt; top:13.41pt; line-height:13.41pt;"): corporate
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.45pt; left:402.3pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:407.64pt; top:13.41pt; line-height:13.41pt;"): banking
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:26.82pt; line-height:13.41pt;"): segments,
      - div (class="awdiv", style="top:211.73pt;")
        
        span (class="awspan awtext004", style="font-size:11pt; left:0pt; top:0.75pt; line-height:13.2pt;"): -
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:0pt; line-height:13.41pt;"): amounts
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:67.75pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:73.28pt; top:0pt; line-height:13.41pt;"): due
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:94.78pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:100.31pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:111.67pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:117.19pt; top:0pt; line-height:13.41pt;"): customers
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:175.64pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:181.16pt; top:0pt; line-height:13.41pt;"): stood
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:212.26pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.78pt; top:0pt; line-height:13.41pt;"): at
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:228.74pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:234.26pt; top:0pt; line-height:13.41pt;"): PLN
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:257.58pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:263.11pt; top:0pt; line-height:13.41pt;"): 200.8
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:293.27pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:298.79pt; top:0pt; line-height:13.41pt;"): billion
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:332.43pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:337.95pt; top:0pt; line-height:13.41pt;"): (+8.3%
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:372.57pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:378.09pt; top:0pt; line-height:13.41pt;"): YoY),
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.64pt; left:404.91pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:410.44pt; top:0pt; line-height:13.41pt;"): spurred
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:13.41pt; line-height:13.41pt;"): mainly by the inflow of funds to current accounts.
      - div (class="awdiv", style="top:244.54pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:10.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:19.13pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:48.51pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:56.88pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:75.43pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.8pt; top:0pt; line-height:13.41pt;"): Group
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:118.47pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:126.83pt; top:0pt; line-height:13.41pt;"): continued
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:183.75pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.11pt; top:0pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:206.46pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:214.82pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:233.38pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:241.74pt; top:0pt; line-height:13.41pt;"): path
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:267.6pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:275.97pt; top:0pt; line-height:13.41pt;"): towards
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:320.74pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:329.1pt; top:0pt; line-height:13.41pt;"): process
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.48pt; left:371.46pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:379.83pt; top:0pt; line-height:13.41pt;"): digitalisation,
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): optimisation
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:70.05pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:75.18pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:96.57pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:101.7pt; top:13.41pt; line-height:13.41pt;"): modernisation.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:185.15pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:190.28pt; top:13.41pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:201.05pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:206.18pt; top:13.41pt; line-height:13.41pt;"): addition,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:254.64pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:259.77pt; top:13.41pt; line-height:13.41pt;"): it
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:267.2pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:272.32pt; top:13.41pt; line-height:13.41pt;"): expanded
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:327.8pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:332.92pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:351.48pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:356.61pt; top:13.41pt; line-height:13.41pt;"): range
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:389.14pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:394.27pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.24pt; left:404.9pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:410.02pt; top:13.41pt; line-height:13.41pt;"): services
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): available
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:48.41pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:50.87pt; top:26.82pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:61.28pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:63.73pt; top:26.82pt; line-height:13.41pt;"): direct
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:95.86pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:98.32pt; top:26.82pt; line-height:13.41pt;"): channels.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:150.66pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:153.12pt; top:26.82pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:163.89pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:166.35pt; top:26.82pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:195.73pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:198.18pt; top:26.82pt; line-height:13.41pt;"): there
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:227.8pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:230.25pt; top:26.82pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:251.79pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:254.25pt; top:26.82pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:260.74pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:263.2pt; top:26.82pt; line-height:13.41pt;"): rise
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:282.59pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:285.05pt; top:26.82pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:295.45pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:297.91pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:316.47pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.93pt; top:26.82pt; line-height:13.41pt;"): share
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:349.3pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:351.76pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:362.38pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:364.84pt; top:26.82pt; line-height:13.41pt;"): digitally
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.42pt; left:408.6pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:411.06pt; top:26.82pt; line-height:13.41pt;"): opened
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): accounts,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:52.8pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.94pt; top:40.23pt; line-height:13.41pt;"): clients
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:91.99pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:95.14pt; top:40.23pt; line-height:13.41pt;"): acquired
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:144.15pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:147.29pt; top:40.23pt; line-height:13.41pt;"): remotely,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:199.28pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:202.43pt; top:40.23pt; line-height:13.41pt;"): corporate
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:256.29pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:259.44pt; top:40.23pt; line-height:13.41pt;"): clients
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:295.48pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:298.63pt; top:40.23pt; line-height:13.41pt;"): using
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:329.36pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:332.51pt; top:40.23pt; line-height:13.41pt;"): mobile
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:371.09pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:374.24pt; top:40.23pt; line-height:13.41pt;"): banking,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.26pt; left:422.53pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:425.67pt; top:40.23pt; line-height:13.41pt;"): retail
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): processes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:54.38pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:58.22pt; top:53.64pt; line-height:13.41pt;"): initiated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:104.06pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:107.89pt; top:53.64pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:121.31pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:125.14pt; top:53.64pt; line-height:13.41pt;"): clients
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:161.19pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:165.02pt; top:53.64pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:175.43pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:179.26pt; top:53.64pt; line-height:13.41pt;"): digital
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:214.1pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.93pt; top:53.64pt; line-height:13.41pt;"): channels
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:267.93pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:271.77pt; top:53.64pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:293.16pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:296.99pt; top:53.64pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:307.4pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:311.23pt; top:53.64pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:329.79pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:333.62pt; top:53.64pt; line-height:13.41pt;"): mobile
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:372.2pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.04pt; top:53.64pt; line-height:13.41pt;"): app’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:405.15pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:408.98pt; top:53.64pt; line-height:13.41pt;"): share
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:439.35pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:443.18pt; top:53.64pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): the sales of non-mortgage loans.
      - div (class="awdiv", style="top:331pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:23.85pt; top:0pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:52.7pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:56.15pt; top:0pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:77.68pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:81.14pt; top:0pt; line-height:13.41pt;"): successful
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:137.8pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:141.25pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:151.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:155.1pt; top:0pt; line-height:13.41pt;"): acquiring
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:207.97pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:211.42pt; top:0pt; line-height:13.41pt;"): SMEs
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:241.43pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:244.88pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:266.27pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:269.72pt; top:0pt; line-height:13.41pt;"): young
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:304.98pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:308.43pt; top:0pt; line-height:13.41pt;"): clients,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:346.8pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:350.26pt; top:0pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:362.12pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:365.57pt; top:0pt; line-height:13.41pt;"): reflected
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:414.72pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:418.17pt; top:0pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.57pt; left:431.59pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): number
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:45.03pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:50.07pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:60.69pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:65.72pt; top:13.41pt; line-height:13.41pt;"): new
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:89.48pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:94.52pt; top:13.41pt; line-height:13.41pt;"): Junior
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:129.14pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:134.18pt; top:13.41pt; line-height:13.41pt;"): accounts.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:186.98pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.01pt; top:13.41pt; line-height:13.41pt;"): Also,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:217.46pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:222.49pt; top:13.41pt; line-height:13.41pt;"): there
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:252.11pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.14pt; top:13.41pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:278.68pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:283.71pt; top:13.41pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:297.64pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:302.68pt; top:13.41pt; line-height:13.41pt;"): increase
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:348.84pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:353.88pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:364.28pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:369.31pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:387.87pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:392.9pt; top:13.41pt; line-height:13.41pt;"): number
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.15pt; left:437.94pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:442.97pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): regularly
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:48.78pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:52.11pt; top:26.82pt; line-height:13.41pt;"): investing
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:102.92pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:106.24pt; top:26.82pt; line-height:13.41pt;"): clients,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:144.62pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:147.94pt; top:26.82pt; line-height:13.41pt;"): driven
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:182.82pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:186.15pt; top:26.82pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:199.57pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:202.89pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:221.45pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:224.77pt; top:26.82pt; line-height:13.41pt;"): extended
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:277.4pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:280.73pt; top:26.82pt; line-height:13.41pt;"): investment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:343.81pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:347.14pt; top:26.82pt; line-height:13.41pt;"): offering
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:390.5pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:393.82pt; top:26.82pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.44pt; left:416.69pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.01pt; top:26.82pt; line-height:13.41pt;"): caters
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): for the needs of every client segment.
      - div (class="awdiv", style="top:390.63pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:22.88pt; top:0pt; line-height:13.41pt;"): mobile
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:61.47pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:63.94pt; top:0pt; line-height:13.41pt;"): app
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:85.35pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:87.82pt; top:0pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:102.86pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:105.33pt; top:0pt; line-height:13.41pt;"): retail
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:133.26pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:135.74pt; top:0pt; line-height:13.41pt;"): clients
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:171.78pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:174.26pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:195.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:198.12pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:216.68pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:219.16pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:259.67pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.14pt; top:0pt; line-height:13.41pt;"): Company
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:315.98pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.45pt; top:0pt; line-height:13.41pt;"): Mobile
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:355.87pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:358.35pt; top:0pt; line-height:13.41pt;"): app
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:379.75pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:382.23pt; top:0pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.41pt; left:397.26pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:399.74pt; top:0pt; line-height:13.41pt;"): corporate
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): clients
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:36.05pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:41.64pt; top:13.41pt; line-height:13.41pt;"): were
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:69.01pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:74.61pt; top:13.41pt; line-height:13.41pt;"): expanded
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:130.08pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:135.68pt; top:13.41pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:160.22pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:165.82pt; top:13.41pt; line-height:13.41pt;"): new
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:189.58pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:195.17pt; top:13.41pt; line-height:13.41pt;"): functionalities.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:275.9pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:281.5pt; top:13.41pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:301.9pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:307.5pt; top:13.41pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:336.34pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:341.94pt; top:13.41pt; line-height:13.41pt;"): modified
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:391.72pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:397.31pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.71pt; left:415.87pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:421.47pt; top:13.41pt; line-height:13.41pt;"): credit
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): process
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:42.36pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:44.58pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:65.97pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:68.19pt; top:26.82pt; line-height:13.41pt;"): increased
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:121.81pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:124.03pt; top:26.82pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:136.83pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:139.04pt; top:26.82pt; line-height:13.41pt;"): financing
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:191.26pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:193.48pt; top:26.82pt; line-height:13.41pt;"): dedicated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:249.25pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:251.46pt; top:26.82pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:262.83pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:265.04pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:283.6pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:285.81pt; top:26.82pt; line-height:13.41pt;"): promising
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:342.54pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:344.75pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:366.15pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:368.36pt; top:26.82pt; line-height:13.41pt;"): fastest
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:404.92pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:407.13pt; top:26.82pt; line-height:13.41pt;"): growing
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): sectors
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:39.37pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:45.86pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:56.48pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:62.97pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:81.53pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:88.02pt; top:40.23pt; line-height:13.41pt;"): economy.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:142.06pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:148.55pt; top:40.23pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:175.6pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.08pt; top:40.23pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:203.62pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:210.11pt; top:40.23pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:216.6pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:223.09pt; top:40.23pt; line-height:13.41pt;"): period
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:258.92pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:265.4pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:276.03pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:282.52pt; top:40.23pt; line-height:13.41pt;"): dynamic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:330.7pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:337.18pt; top:40.23pt; line-height:13.41pt;"): development
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:411.43pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:417.92pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.61pt; left:428.55pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): ecommerce
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:66.97pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:74.66pt; top:53.64pt; line-height:13.41pt;"): area.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:101.03pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:108.72pt; top:53.64pt; line-height:13.41pt;"): Together
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:159.09pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:166.78pt; top:53.64pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:191.32pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:199.01pt; top:53.64pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:211.81pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:219.5pt; top:53.64pt; line-height:13.41pt;"): strategic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:268.06pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:275.75pt; top:53.64pt; line-height:13.41pt;"): partner,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:319.41pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:327.1pt; top:53.64pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:367.61pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:375.3pt; top:53.64pt; line-height:13.41pt;"): launched
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.81pt; left:427.34pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:53.64pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): mOkazje zakupy platform accessible directly from the bank’s mobile app.
      - div (class="awdiv", style="top:477.09pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): Throughout
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:66.23pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:71.55pt; top:0pt; line-height:13.41pt;"): 2024
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:98.6pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:103.92pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:144.43pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:149.75pt; top:0pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:171.29pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:176.61pt; top:0pt; line-height:13.41pt;"): committed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:239.03pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:244.35pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:255.71pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:261.03pt; top:0pt; line-height:13.41pt;"): developing
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:323.01pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:328.33pt; top:0pt; line-height:13.41pt;"): products
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:377.99pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.31pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.44pt; left:404.7pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:410.02pt; top:0pt; line-height:13.41pt;"): services
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): supporting
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:61.42pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:67.63pt; top:13.41pt; line-height:13.41pt;"): clients’
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:106.01pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:112.21pt; top:13.41pt; line-height:13.41pt;"): transition
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:165.14pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:171.34pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:182.71pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:188.91pt; top:13.41pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:195.4pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:201.61pt; top:13.41pt; line-height:13.41pt;"): low-carbon
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:264.23pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:270.44pt; top:13.41pt; line-height:13.41pt;"): economy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:322.15pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:328.35pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:349.75pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:355.95pt; top:13.41pt; line-height:13.41pt;"): their
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.32pt; left:381.88pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:388.09pt; top:13.41pt; line-height:13.41pt;"): eco-friendly
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): investments.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:70.8pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:75.86pt; top:26.82pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:96.27pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:101.33pt; top:26.82pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:130.17pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:135.24pt; top:26.82pt; line-height:13.41pt;"): supported
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:192.81pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:197.88pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:216.43pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:221.5pt; top:26.82pt; line-height:13.41pt;"): transition
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:274.42pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:279.48pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:290.11pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:295.18pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:313.73pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.8pt; top:26.82pt; line-height:13.41pt;"): Polish
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:352.34pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:357.4pt; top:26.82pt; line-height:13.41pt;"): energy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:396.06pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:401.12pt; top:26.82pt; line-height:13.41pt;"): sector
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.18pt; left:435.11pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:440.18pt; top:26.82pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): financing
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:52.22pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.87pt; top:40.23pt; line-height:13.41pt;"): renewable
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:114.24pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:117.89pt; top:40.23pt; line-height:13.41pt;"): energy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:156.55pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:160.21pt; top:40.23pt; line-height:13.41pt;"): sources
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:202.51pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:206.17pt; top:40.23pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:227.56pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:231.22pt; top:40.23pt; line-height:13.41pt;"): arranging
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:285.96pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:289.62pt; top:40.23pt; line-height:13.41pt;"): green
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:322.31pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:325.97pt; top:40.23pt; line-height:13.41pt;"): bond
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:355.23pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:358.89pt; top:40.23pt; line-height:13.41pt;"): issues.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:394.36pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:398.02pt; top:40.23pt; line-height:13.41pt;"): Corporate
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): clients
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:36.05pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:40.15pt; top:53.64pt; line-height:13.41pt;"): were
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:67.51pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:71.61pt; top:53.64pt; line-height:13.41pt;"): offered
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:111.13pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:115.23pt; top:53.64pt; line-height:13.41pt;"): among
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:155.28pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.38pt; top:53.64pt; line-height:13.41pt;"): others
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:194.62pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:198.72pt; top:53.64pt; line-height:13.41pt;"): financing
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:250.94pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:255.04pt; top:53.64pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:265.45pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:269.55pt; top:53.64pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:288.1pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:292.2pt; top:53.64pt; line-height:13.41pt;"): form
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:318.91pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:323.01pt; top:53.64pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:333.64pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:337.74pt; top:53.64pt; line-height:13.41pt;"): Sustainability
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.22pt; left:411.9pt; top:53.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:416pt; top:53.64pt; line-height:13.41pt;"): Linked
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:67.04pt; line-height:13.41pt;"): Loans
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:32.69pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:41.04pt; top:67.04pt; line-height:13.41pt;"): (SLL),
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:70.34pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:78.69pt; top:67.04pt; line-height:13.41pt;"): i.e.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:92.95pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:101.31pt; top:67.04pt; line-height:13.41pt;"): loans
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:130.48pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:138.83pt; top:67.04pt; line-height:13.41pt;"): related
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:177.9pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:186.25pt; top:67.04pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:197.61pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:205.96pt; top:67.04pt; line-height:13.41pt;"): achieving
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:259.61pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:267.96pt; top:67.04pt; line-height:13.41pt;"): sustainable
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:331.04pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:339.39pt; top:67.04pt; line-height:13.41pt;"): development
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.47pt; left:413.64pt; top:67.04pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:421.99pt; top:67.04pt; line-height:13.41pt;"): goals.
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:80.45pt; line-height:13.41pt;"): Moreover,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:54.7pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:63.61pt; top:80.45pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:82.16pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:91.07pt; top:80.45pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:119.91pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:128.81pt; top:80.45pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:150.35pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.25pt; top:80.45pt; line-height:13.41pt;"): promoting
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:219pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:227.91pt; top:80.45pt; line-height:13.41pt;"): mortgage
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:283.58pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:292.48pt; top:80.45pt; line-height:13.41pt;"): loans
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:321.65pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:330.56pt; top:80.45pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:345.59pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:354.5pt; top:80.45pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:373.05pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:381.96pt; top:80.45pt; line-height:13.41pt;"): purchase
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.02pt; left:433.38pt; top:80.45pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:442.28pt; top:80.45pt; line-height:13.41pt;"): or
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:93.86pt; line-height:13.41pt;"): construction of energy efficient real estate.
      - div (class="awdiv", style="top:590.36pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:10.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:14.61pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:43.99pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:47.82pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:88.34pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:92.17pt; top:0pt; line-height:13.41pt;"): continued
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:149.09pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:152.93pt; top:0pt; line-height:13.41pt;"): efforts
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:188.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.02pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:203.38pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:207.22pt; top:0pt; line-height:13.41pt;"): reduce
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:245.97pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:249.81pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:271.2pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:275.04pt; top:0pt; line-height:13.41pt;"): report
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:309.33pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:313.16pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:331.72pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:335.56pt; top:0pt; line-height:13.41pt;"): carbon
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:374.45pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:378.29pt; top:0pt; line-height:13.41pt;"): footprint.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.95pt; left:429.35pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:433.19pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): goal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:23.89pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:27.83pt; top:13.41pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:36.16pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:40.1pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:51.46pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.4pt; top:13.41pt; line-height:13.41pt;"): reach
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:86.58pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:90.51pt; top:13.41pt; line-height:13.41pt;"): net-zero
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:136.85pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:140.78pt; top:13.41pt; line-height:13.41pt;"): emissions
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:195.49pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:199.43pt; top:13.41pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:226.14pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:230.07pt; top:13.41pt; line-height:13.41pt;"): own
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:254.08pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:258.02pt; top:13.41pt; line-height:13.41pt;"): operations
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:317.07pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:321pt; top:13.41pt; line-height:13.41pt;"): (scope
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:357.19pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:361.12pt; top:13.41pt; line-height:13.41pt;"): 1
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:365.09pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:369.03pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:390.42pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:394.36pt; top:13.41pt; line-height:13.41pt;"): 2)
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:404.22pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:408.16pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.05pt; left:421.58pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:425.51pt; top:13.41pt; line-height:13.41pt;"): 2040
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:21.4pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:24.37pt; top:26.82pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:35.73pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:38.7pt; top:26.82pt; line-height:13.41pt;"): transform
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:93.6pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:96.57pt; top:26.82pt; line-height:13.41pt;"): credit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:128.71pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:131.68pt; top:26.82pt; line-height:13.41pt;"): exposures
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:187.77pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:190.74pt; top:26.82pt; line-height:13.41pt;"): (scope
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:226.93pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:229.9pt; top:26.82pt; line-height:13.41pt;"): 3)
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:239.72pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:242.7pt; top:26.82pt; line-height:13.41pt;"): so
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:254.97pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.94pt; top:26.82pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:280.81pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:283.79pt; top:26.82pt; line-height:13.41pt;"): they
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:308.3pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:311.28pt; top:26.82pt; line-height:13.41pt;"): become
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:356.78pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:359.76pt; top:26.82pt; line-height:13.41pt;"): net
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:378.31pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:381.28pt; top:26.82pt; line-height:13.41pt;"): zero
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:404.86pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:407.83pt; top:26.82pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:421.25pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:424.22pt; top:26.82pt; line-height:13.41pt;"): 2050.
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:10.77pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:16.19pt; top:40.23pt; line-height:13.41pt;"): September
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:78.35pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.77pt; top:40.23pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:113.15pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:118.58pt; top:40.23pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:159.09pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:164.51pt; top:40.23pt; line-height:13.41pt;"): was
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:186.05pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:191.47pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:210.03pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:215.45pt; top:40.23pt; line-height:13.41pt;"): first
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:236.4pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:241.82pt; top:40.23pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:252.22pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.64pt; top:40.23pt; line-height:13.41pt;"): Poland
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:296.79pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:302.22pt; top:40.23pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:313.58pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:319pt; top:40.23pt; line-height:13.41pt;"): submit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.54pt; left:358.34pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:363.76pt; top:40.23pt; line-height:13.41pt;"): decarbonization
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): targets for validation to the Science Based Targets Initiative (SBTi).
      - div (class="awdiv", style="top:663.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:23.29pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:87.54pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:90.42pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:123.97pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:126.86pt; top:0pt; line-height:13.41pt;"): greatly
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:165.33pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:168.22pt; top:0pt; line-height:13.41pt;"): appreciates
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:232.81pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.69pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:254.25pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.13pt; top:0pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:293.68pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:296.57pt; top:0pt; line-height:13.41pt;"): commitment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:370.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:373.54pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:384.9pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:387.78pt; top:0pt; line-height:13.41pt;"): society.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0pt; left:428.61pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:431.5pt; top:0pt; line-height:13.41pt;"): This
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): includes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:46.44pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:51.59pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:70.15pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:75.29pt; top:13.41pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:111.85pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.99pt; top:13.41pt; line-height:13.41pt;"): involvement
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:186.05pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:191.2pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:201.6pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:206.75pt; top:13.41pt; line-height:13.41pt;"): cultural,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:251.37pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:256.51pt; top:13.41pt; line-height:13.41pt;"): educational
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:321.92pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:327.07pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:348.46pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:353.61pt; top:13.41pt; line-height:13.41pt;"): social
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.27pt; left:384.49pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:389.63pt; top:13.41pt; line-height:13.41pt;"): campaigns,
  - div (class="awdiv awpage", style="width:595.3pt; height:841.9pt;")
    - div (class="awdiv", style="left:70.85pt; top:779.64pt; clip:rect(0pt,524.45pt,27.86pt,-70.85pt);")
      - span (class="awspan awtext001", style="font-size:11pt; left:448.02pt; top:0pt; line-height:13.43pt;"): 4
    - div (class="awdiv", style="left:70.85pt; top:70.85pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): including
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:52.37pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:58.38pt; top:0pt; line-height:13.41pt;"): cooperation
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:125.14pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:131.16pt; top:0pt; line-height:13.41pt;"): with
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:155.7pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:161.71pt; top:0pt; line-height:13.41pt;"): the
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:180.27pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:186.28pt; top:0pt; line-height:13.41pt;"): Great
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:216.79pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:222.81pt; top:0pt; line-height:13.41pt;"): Orchestra
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:277.48pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:283.49pt; top:0pt; line-height:13.41pt;"): of
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:294.12pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:300.13pt; top:0pt; line-height:13.41pt;"): Christmas
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:356.24pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:362.25pt; top:0pt; line-height:13.41pt;"): Charity
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.13pt; left:401.9pt; top:0pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:407.91pt; top:0pt; line-height:13.41pt;"): (WOŚP),
      - span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): promotion
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.1pt; left:59.1pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:64.08pt; top:13.41pt; line-height:13.41pt;"): of
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.1pt; left:74.71pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:79.68pt; top:13.41pt; line-height:13.41pt;"): mathematical
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.1pt; left:157.63pt; top:13.41pt; line-height:13.41pt;")
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      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.1pt; left:218.57pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:223.54pt; top:13.41pt; line-height:13.41pt;"): among
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.1pt; left:263.6pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:268.57pt; top:13.41pt; line-height:13.41pt;"): kids
      - span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.1pt; left:290.98pt; top:13.41pt; line-height:13.41pt;")
      - span (class="awspan awtext003", style="font-size:11pt; left:295.96pt; top:13.41pt; line-height:13.41pt;"): and
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      - span (class="awspan awtext003", style="font-size:11pt; left:162.9pt; top:40.23pt; line-height:13.41pt;"): the
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      - span (class="awspan awtext003", style="font-size:11pt; left:251.73pt; top:53.64pt; line-height:13.41pt;"): the
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      - div (class="awdiv", style="top:86.45pt;")
        
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        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:30.04pt; top:0pt; line-height:13.41pt;"): Bank's
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:66.48pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:76.11pt; top:0pt; line-height:13.41pt;"): progress
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:124.24pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133.87pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:144.27pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:153.91pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:172.46pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.1pt; top:0pt; line-height:13.41pt;"): area
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:206.13pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:215.76pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:226.39pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:236.02pt; top:0pt; line-height:13.41pt;"): social
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:266.9pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:276.53pt; top:0pt; line-height:13.41pt;"): responsibility
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:349.87pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:359.5pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:6.75pt; left:380.89pt; top:0pt; line-height:13.41pt;")
        
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        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:74.25pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:77.03pt; top:13.41pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:85.37pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:88.16pt; top:13.41pt; line-height:13.41pt;"): indicated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:140.23pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:143.01pt; top:13.41pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:156.43pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.22pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:177.77pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:180.56pt; top:13.41pt; line-height:13.41pt;"): increase
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:226.73pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:229.51pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:240.14pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:242.92pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:261.48pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:264.26pt; top:13.41pt; line-height:13.41pt;"): MSCI
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:292.76pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:295.55pt; top:13.41pt; line-height:13.41pt;"): ESG
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:318.17pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:320.96pt; top:13.41pt; line-height:13.41pt;"): Ratings
        
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        span (class="awspan awtext003", style="font-size:11pt; left:365.98pt; top:13.41pt; line-height:13.41pt;"): rating
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:399.3pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:402.08pt; top:13.41pt; line-height:13.41pt;"): from
        
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        span (class="awspan awtext003", style="font-size:11pt; left:431.58pt; top:13.41pt; line-height:13.41pt;"): A
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:439.46pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:442.25pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): AA (leader) in 2024.
      - div (class="awdiv", style="top:132.68pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:40.51pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:44.81pt; top:0pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:53.15pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:57.45pt; top:0pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:63.94pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:68.24pt; top:0pt; line-height:13.41pt;"): well-established
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:157.95pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:162.25pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:183.64pt; top:0pt; line-height:13.41pt;")
        
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        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:244.56pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:248.86pt; top:0pt; line-height:13.41pt;"): brand.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:284.45pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:288.75pt; top:0pt; line-height:13.41pt;"): It
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:296.54pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:300.84pt; top:0pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:309.17pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:313.47pt; top:0pt; line-height:13.41pt;"): appreciated
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:380.14pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:384.44pt; top:0pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:399.48pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:403.78pt; top:0pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.42pt; left:416.58pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.88pt; top:0pt; line-height:13.41pt;"): broad
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): range
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:32.54pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:34.87pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:45.49pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:47.82pt; top:13.41pt; line-height:13.41pt;"): high
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:73.22pt; top:13.41pt; line-height:13.41pt;")
        
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        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:113.25pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:115.58pt; top:13.41pt; line-height:13.41pt;"): services,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:161.48pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:163.81pt; top:13.41pt; line-height:13.41pt;"): innovative
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:221.04pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:223.37pt; top:13.41pt; line-height:13.41pt;"): nature
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:260.23pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.56pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:273.19pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:275.52pt; top:13.41pt; line-height:13.41pt;"): products
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:325.18pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:327.51pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:348.9pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:351.23pt; top:13.41pt; line-height:13.41pt;"): services,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.55pt; left:397.14pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:399.46pt; top:13.41pt; line-height:13.41pt;"): advanced
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): digitalisation,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:73.77pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:76.99pt; top:26.82pt; line-height:13.41pt;"): qualified
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:125.05pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:128.27pt; top:26.82pt; line-height:13.41pt;"): personnel
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:183.56pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:186.78pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:208.18pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:211.4pt; top:26.82pt; line-height:13.41pt;"): ESG
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:234.02pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:237.25pt; top:26.82pt; line-height:13.41pt;"): efforts.
        
        span (class="awspan awtext003", style="font-size:11pt; left:278.06pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:281.28pt; top:26.82pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:292.05pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:295.27pt; top:26.82pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:324.65pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:327.88pt; top:26.82pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:368.39pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:371.61pt; top:26.82pt; line-height:13.41pt;"): won
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:395.63pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:398.85pt; top:26.82pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.34pt; left:405.34pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:408.56pt; top:26.82pt; line-height:13.41pt;"): number
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:10.63pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:14.06pt; top:40.23pt; line-height:13.41pt;"): prestigious
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:75.56pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:79pt; top:40.23pt; line-height:13.41pt;"): prizes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:111.47pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:114.91pt; top:40.23pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:136.3pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:139.74pt; top:40.23pt; line-height:13.41pt;"): topped
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:180.12pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:183.55pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:202.11pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:205.55pt; top:40.23pt; line-height:13.41pt;"): industry
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:251.03pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:254.47pt; top:40.23pt; line-height:13.41pt;"): rankings,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:305.09pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:308.53pt; top:40.23pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:342.24pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:345.68pt; top:40.23pt; line-height:13.41pt;"): reflect
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:380.72pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:384.16pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:402.72pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:406.15pt; top:40.23pt; line-height:13.41pt;"): opinions
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): of both clients and experts.
      - div (class="awdiv", style="top:205.73pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:10.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:16.44pt; top:0pt; line-height:13.41pt;"): summary,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:71.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:77.44pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:96pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:101.67pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:165.92pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:171.6pt; top:0pt; line-height:13.41pt;"): Board’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:212.86pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:218.54pt; top:0pt; line-height:13.41pt;"): assessment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:283.42pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:289.09pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:299.72pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:305.39pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:323.95pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:329.63pt; top:0pt; line-height:13.41pt;"): overall
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:365.95pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:371.62pt; top:0pt; line-height:13.41pt;"): economic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.79pt; left:426.52pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.2pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): financial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:46.67pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:50.64pt; top:13.41pt; line-height:13.41pt;"): standing
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:99.83pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:103.8pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:114.43pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:118.39pt; top:13.41pt; line-height:13.41pt;"): mBank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:158.9pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:162.87pt; top:13.41pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:171.21pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:175.18pt; top:13.41pt; line-height:13.41pt;"): positive.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:220.23pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:224.2pt; top:13.41pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:244.6pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:248.57pt; top:13.41pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:277.41pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:281.38pt; top:13.41pt; line-height:13.41pt;"): meets
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:316.18pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:320.15pt; top:13.41pt; line-height:13.41pt;"): all
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:332.56pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:336.53pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:355.08pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:359.05pt; top:13.41pt; line-height:13.41pt;"): requirements
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.09pt; left:434.59pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:438.55pt; top:13.41pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:26.82pt; line-height:13.41pt;"): safe
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:22.24pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:26.89pt; top:26.82pt; line-height:13.41pt;"): operations,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:88.26pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:92.91pt; top:26.82pt; line-height:13.41pt;"): capital
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:129.92pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:134.57pt; top:26.82pt; line-height:13.41pt;"): adequacy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:188.66pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:193.31pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:214.7pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:219.35pt; top:26.82pt; line-height:13.41pt;"): liquidity,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:266.26pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:270.9pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:292.3pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:296.94pt; top:26.82pt; line-height:13.41pt;"): guarantees
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:359.86pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:364.5pt; top:26.82pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:387.37pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:392.02pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.76pt; left:410.57pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:415.22pt; top:26.82pt; line-height:13.41pt;"): clients’
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:40.23pt; line-height:13.41pt;"): money
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:38.62pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:44.84pt; top:40.23pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:53.17pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:59.39pt; top:40.23pt; line-height:13.41pt;"): safe.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:83.96pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:90.18pt; top:40.23pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:110.58pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.8pt; top:40.23pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:181.05pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:187.26pt; top:40.23pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:220.81pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:227.03pt; top:40.23pt; line-height:13.41pt;"): believes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:271.68pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:277.89pt; top:40.23pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:300.76pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:306.98pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:325.53pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:331.75pt; top:40.23pt; line-height:13.41pt;"): aforesaid
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:382.21pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:388.42pt; top:40.23pt; line-height:13.41pt;"): factors
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.33pt; left:425.99pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.2pt; top:40.23pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:53.64pt; line-height:13.41pt;"): conditions determine good prospects for the Group’s future growth.
      - div (class="awdiv", style="left:17.85pt; top:299.24pt;")
        
        a (id="_Toc158729042", style="left:0pt; top:0pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:0pt; top:6pt; line-height:14.63pt;"): 2.
        
        span (class="awspan awtext002", style="color:#2f5496; left:17.85pt; top:6pt; line-height:14.63pt;"): Assessment
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:1.28pt; left:93.77pt; top:6pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:98.45pt; top:6pt; line-height:14.63pt;"): of
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:1.28pt; left:110.95pt; top:6pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:115.63pt; top:6pt; line-height:14.63pt;"): the
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:1.28pt; left:136.71pt; top:6pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:141.39pt; top:6pt; line-height:14.63pt;"): adequacy
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:1.28pt; left:202.86pt; top:6pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:207.54pt; top:6pt; line-height:14.63pt;"): and
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:1.28pt; left:231.54pt; top:6pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:236.21pt; top:6pt; line-height:14.63pt;"): effectiveness
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:1.28pt; left:319.92pt; top:6pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:324.6pt; top:6pt; line-height:14.63pt;"): of
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:1.28pt; left:337.1pt; top:6pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:341.78pt; top:6pt; line-height:14.63pt;"): the
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:1.28pt; left:362.86pt; top:6pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:367.54pt; top:6pt; line-height:14.63pt;"): company’s
        
        span (class="awspan awtext002", style="color:#2f5496; left:17.85pt; top:20.63pt; line-height:14.63pt;"): system
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:3.65pt; left:63.15pt; top:20.63pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:70.2pt; top:20.63pt; line-height:14.63pt;"): of
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:3.65pt; left:82.7pt; top:20.63pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:89.75pt; top:20.63pt; line-height:14.63pt;"): internal
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:3.65pt; left:138.93pt; top:20.63pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:145.98pt; top:20.63pt; line-height:14.63pt;"): control,
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:3.65pt; left:194.23pt; top:20.63pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:201.28pt; top:20.63pt; line-height:14.63pt;"): risk
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:3.65pt; left:224.35pt; top:20.63pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:231.4pt; top:20.63pt; line-height:14.63pt;"): management,
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:3.65pt; left:319.88pt; top:20.63pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:326.93pt; top:20.63pt; line-height:14.63pt;"): compliance
        
        span (class="awspan awtext002", style="color:#2f5496; letter-spacing:3.65pt; left:400.33pt; top:20.63pt; line-height:14.63pt;")
        
        span (class="awspan awtext002", style="color:#2f5496; left:407.38pt; top:20.63pt; line-height:14.63pt;"): with
        
        span (class="awspan awtext002", style="color:#2f5496; left:17.85pt; top:35.26pt; line-height:14.63pt;"): standards or applicable practices and internal audit
      - div (class="awdiv", style="top:377.6pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:23.24pt; top:0pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:59.79pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:62.62pt; top:0pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:81.98pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:84.82pt; top:0pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:161.33pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:164.17pt; top:0pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:203.67pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:206.5pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:227.9pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:230.73pt; top:0pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:273.55pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:276.38pt; top:0pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:315.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.49pt; top:0pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:357.99pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:360.82pt; top:0pt; line-height:13.41pt;"): are
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:378.37pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:381.2pt; top:0pt; line-height:13.41pt;"): organised
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:436.43pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:439.26pt; top:0pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:14.47pt; line-height:13.41pt;"): three independent levels – lines of defence.
      - div (class="awdiv", style="top:414.54pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:22.82pt; top:0pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:65.64pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:68.06pt; top:0pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:107.33pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:109.75pt; top:0pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:149.25pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:151.67pt; top:0pt; line-height:13.41pt;"): supports
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:200.52pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:202.93pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:221.49pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:223.91pt; top:0pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:300.42pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:302.84pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:313.47pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:315.89pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:334.44pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:336.86pt; top:0pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:365.7pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:368.12pt; top:0pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:381.54pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.95pt; top:0pt; line-height:13.41pt;"): contributing
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:14.47pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:11.36pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:14.35pt; top:14.47pt; line-height:13.41pt;"): ensuring
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:63.59pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:66.57pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:85.13pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:88.12pt; top:14.47pt; line-height:13.41pt;"): effectiveness
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:159.94pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:162.93pt; top:14.47pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:184.32pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:187.31pt; top:14.47pt; line-height:13.41pt;"): efficiency
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:239.77pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:242.76pt; top:14.47pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:253.38pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:256.37pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:274.93pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:277.92pt; top:14.47pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:314.47pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:317.46pt; top:14.47pt; line-height:13.41pt;"): operations,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:378.84pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:381.83pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.11pt; left:400.38pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:403.37pt; top:14.47pt; line-height:13.41pt;"): reliability
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:28.94pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:10.63pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:13pt; top:28.94pt; line-height:13.41pt;"): financial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:59.67pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:62.04pt; top:28.94pt; line-height:13.41pt;"): reporting,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:116.61pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:118.98pt; top:28.94pt; line-height:13.41pt;"): compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:183.89pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:186.26pt; top:28.94pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:210.8pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:213.17pt; top:28.94pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:232.53pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:234.9pt; top:28.94pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:311.42pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:313.79pt; top:28.94pt; line-height:13.41pt;"): principles,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:369.99pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:372.36pt; top:28.94pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:393.75pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:396.12pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.51pt; left:414.68pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:417.05pt; top:28.94pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:43.41pt; line-height:13.41pt;"): compliance with laws and internal regulations.
      - div (class="awdiv", style="top:480.42pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The internal control system includes:
      - div (class="awdiv", style="top:500.89pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): 1.
        
        span (class="awspan awtext003", style="font-size:11pt; left:17.85pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:38.26pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:48.4pt; top:0pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:87.67pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:97.82pt; top:0pt; line-height:13.41pt;"): function
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:144.36pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:154.5pt; top:0pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:188.22pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:198.36pt; top:0pt; line-height:13.41pt;"): aims
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:224.86pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.01pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:246.37pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:256.51pt; top:0pt; line-height:13.41pt;"): ensure
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:294.44pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:304.59pt; top:0pt; line-height:13.41pt;"): compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:369.5pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:379.64pt; top:0pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.26pt; left:404.18pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:414.33pt; top:0pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; left:17.85pt; top:13.41pt; line-height:13.41pt;"): mechanisms
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:89.13pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:94.81pt; top:13.41pt; line-height:13.41pt;"): relating
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:137.73pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:143.41pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:153.82pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.5pt; top:13.41pt; line-height:13.41pt;"): particular
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:212.74pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:218.42pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:229.79pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.47pt; top:13.41pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:254.83pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:260.51pt; top:13.41pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:337.02pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:342.7pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:353.11pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:358.79pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:377.35pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.03pt; top:13.41pt; line-height:13.41pt;"): Bank,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.8pt; left:414.2pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:419.88pt; top:13.41pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; left:17.85pt; top:26.82pt; line-height:13.41pt;"): includes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:64.29pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:67.72pt; top:26.82pt; line-height:13.41pt;"): positions,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:119.9pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:123.33pt; top:26.82pt; line-height:13.41pt;"): groups
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:162.42pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:165.86pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:176.48pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:179.91pt; top:26.82pt; line-height:13.41pt;"): people
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:217.97pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:221.4pt; top:26.82pt; line-height:13.41pt;"): or
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:232.71pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:236.15pt; top:26.82pt; line-height:13.41pt;"): organisational
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:314.98pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.41pt; top:26.82pt; line-height:13.41pt;"): units
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:346.07pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:349.5pt; top:26.82pt; line-height:13.41pt;"): responsible
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:413.14pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:416.57pt; top:26.82pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.55pt; left:431.6pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:17.85pt; top:40.23pt; line-height:13.41pt;"): performance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:89.85pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:94.18pt; top:40.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:104.8pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:109.14pt; top:40.23pt; line-height:13.41pt;"): tasks
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:137.46pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:141.79pt; top:40.23pt; line-height:13.41pt;"): assigned
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:191.09pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:195.43pt; top:40.23pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:206.79pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:211.12pt; top:40.23pt; line-height:13.41pt;"): this
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:231.37pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.7pt; top:40.23pt; line-height:13.41pt;"): function.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:284.58pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:288.91pt; top:40.23pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:309.31pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:313.65pt; top:40.23pt; line-height:13.41pt;"): function
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:360.19pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:364.52pt; top:40.23pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:372.86pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:377.19pt; top:40.23pt; line-height:13.41pt;"): carried
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:415.76pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.09pt; top:40.23pt; line-height:13.41pt;"): out
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.45pt; left:438.85pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:443.18pt; top:40.23pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; left:17.85pt; top:53.64pt; line-height:13.41pt;"): a systematic manner by employees at all organisational levels by means of:
      - div (class="awdiv", style="left:18pt; top:567.93pt;")
        
        span (class="awspan awtext005", style="font-size:10pt; left:0pt; top:7.6pt; line-height:11.17pt;"): ■
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:6pt; line-height:13.41pt;"): continuous
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.53pt; left:80.49pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:82.84pt; top:6pt; line-height:13.41pt;"): monitoring,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.53pt; left:147.88pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:150.23pt; top:6pt; line-height:13.41pt;"): consisting
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.53pt; left:206.9pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:209.25pt; top:6pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.53pt; left:219.88pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:222.23pt; top:6pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.53pt; left:240.79pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:243.14pt; top:6pt; line-height:13.41pt;"): examination
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.53pt; left:312.49pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:314.84pt; top:6pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.53pt; left:325.47pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:327.82pt; top:6pt; line-height:13.41pt;"): selected
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.53pt; left:374.21pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.56pt; top:6pt; line-height:13.41pt;"): operations
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:19.41pt; line-height:13.41pt;"): or activities performed at the Bank,
      - div (class="awdiv", style="left:18pt; top:600.75pt;")
        
        span (class="awspan awtext005", style="font-size:10pt; left:0pt; top:1.6pt; line-height:11.17pt;"): ■
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:0pt; line-height:13.41pt;"): periodic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:62.98pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:66.45pt; top:0pt; line-height:13.41pt;"): verification,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:129.9pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133.37pt; top:0pt; line-height:13.41pt;"): consisting
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:190.04pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:193.51pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:204.13pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:207.6pt; top:0pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:221.54pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:225.01pt; top:0pt; line-height:13.41pt;"): examination
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:294.35pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:297.82pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:308.45pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:311.92pt; top:0pt; line-height:13.41pt;"): selected
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:358.3pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:361.77pt; top:0pt; line-height:13.41pt;"): operations
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.59pt; left:420.82pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:424.29pt; top:0pt; line-height:13.41pt;"): or
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:13.41pt; line-height:13.41pt;"): activities
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:66.48pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:76.43pt; top:13.41pt; line-height:13.41pt;"): already
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:116.85pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:126.8pt; top:13.41pt; line-height:13.41pt;"): completed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:187.19pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:197.14pt; top:13.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:207.55pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.5pt; top:13.41pt; line-height:13.41pt;"): order
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:247.32pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.28pt; top:13.41pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:268.64pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:278.6pt; top:13.41pt; line-height:13.41pt;"): check
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:311.68pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:321.64pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:340.19pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:350.15pt; top:13.41pt; line-height:13.41pt;"): adequacy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:7.07pt; left:404.25pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:414.2pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:26.82pt; line-height:13.41pt;"): effectiveness of the continuous monitoring.
      - div (class="awdiv", style="top:646.97pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): 2.
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.39pt; left:38.4pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:46.68pt; top:0pt; line-height:13.41pt;"): compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.39pt; left:111.59pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:119.86pt; top:0pt; line-height:13.41pt;"): function
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.39pt; left:166.4pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:174.67pt; top:0pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.39pt; left:208.39pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:216.66pt; top:0pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.39pt; left:225pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:233.27pt; top:0pt; line-height:13.41pt;"): responsible
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.39pt; left:296.9pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:305.18pt; top:0pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.39pt; left:320.21pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:328.49pt; top:0pt; line-height:13.41pt;"): identifying,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.39pt; left:390.39pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:398.67pt; top:0pt; line-height:13.41pt;"): assessing,
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:13.41pt; line-height:13.41pt;"): controlling
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:78.18pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:80.89pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:102.29pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:105pt; top:13.41pt; line-height:13.41pt;"): monitoring
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:167.7pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:170.41pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:188.96pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:191.67pt; top:13.41pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:211.03pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:213.74pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:224.37pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:227.08pt; top:13.41pt; line-height:13.41pt;"): non-compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:317.98pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:320.69pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:331.32pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:334.03pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:352.59pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:355.3pt; top:13.41pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.17pt; left:391.85pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:394.56pt; top:13.41pt; line-height:13.41pt;"): operations
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:26.82pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:42.54pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:50.33pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:68.88pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:76.67pt; top:26.82pt; line-height:13.41pt;"): law,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:98.12pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:105.9pt; top:26.82pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:148.72pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:156.51pt; top:26.82pt; line-height:13.41pt;"): regulations
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:219.11pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:226.89pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:248.29pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:256.07pt; top:26.82pt; line-height:13.41pt;"): market
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:296.36pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:304.15pt; top:26.82pt; line-height:13.41pt;"): standards,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:361.46pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:369.24pt; top:26.82pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:381.11pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:388.89pt; top:26.82pt; line-height:13.41pt;"): well
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:411.13pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:418.91pt; top:26.82pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.9pt; left:430.78pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:438.56pt; top:26.82pt; line-height:13.41pt;"): for
  - div (class="awdiv awpage", style="width:595.3pt; height:841.9pt;")
    - div (class="awdiv", style="left:70.85pt; top:779.64pt; clip:rect(0pt,524.45pt,27.86pt,-70.85pt);")
      - span (class="awspan awtext001", style="font-size:11pt; left:448.02pt; top:0pt; line-height:13.43pt;"): 5
    - div (class="awdiv", style="left:70.85pt; top:70.85pt;")
      - div (class="awdiv", style="left:18pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): presenting
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:60.4pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:65.35pt; top:0pt; line-height:13.41pt;"): reports
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:105.02pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:109.96pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:120.37pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:125.32pt; top:0pt; line-height:13.41pt;"): this
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:145.57pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:150.52pt; top:0pt; line-height:13.41pt;"): respect.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:194.05pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:199pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:219.4pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:224.35pt; top:0pt; line-height:13.41pt;"): tasks
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:252.68pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.62pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:268.25pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:273.2pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:291.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:296.7pt; top:0pt; line-height:13.41pt;"): compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:361.62pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:366.57pt; top:0pt; line-height:13.41pt;"): function
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:413.11pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:418.05pt; top:0pt; line-height:13.41pt;"): are
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:13.41pt; line-height:13.41pt;"): performed by the Compliance Department.
      - div (class="awdiv", style="top:41.29pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): 3.
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:0pt; line-height:13.41pt;"): An
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:33.33pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:37.15pt; top:0pt; line-height:13.41pt;"): independent
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:109.22pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:113.04pt; top:0pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:155.86pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.67pt; top:0pt; line-height:13.41pt;"): audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:188.45pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.26pt; top:0pt; line-height:13.41pt;"): function
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:238.81pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:242.62pt; top:0pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:276.34pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:280.15pt; top:0pt; line-height:13.41pt;"): aims
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:306.65pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:310.46pt; top:0pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:321.83pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:325.64pt; top:0pt; line-height:13.41pt;"): examine
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:373.37pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:377.19pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:398.58pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:402.4pt; top:0pt; line-height:13.41pt;"): assess,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:439.38pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:443.19pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:13.41pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:31.94pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:35.58pt; top:13.41pt; line-height:13.41pt;"): independent
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:107.65pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:111.3pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:132.7pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:136.34pt; top:13.41pt; line-height:13.41pt;"): objective
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:186.58pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:190.23pt; top:13.41pt; line-height:13.41pt;"): manner,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:236.67pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:240.31pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:258.87pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.52pt; top:13.41pt; line-height:13.41pt;"): adequacy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:316.61pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:320.26pt; top:13.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:341.65pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:345.3pt; top:13.41pt; line-height:13.41pt;"): effectiveness
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:417.12pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.77pt; top:13.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.76pt; left:431.39pt; top:13.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:13.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:26.82pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:37.36pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:42.67pt; top:26.82pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:119.19pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:124.5pt; top:26.82pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:164pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:169.31pt; top:26.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:190.71pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:196.02pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:214.58pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:219.89pt; top:26.82pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:262.71pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:268.02pt; top:26.82pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:307.29pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:312.61pt; top:26.82pt; line-height:13.41pt;"): system.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:354.44pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:359.75pt; top:26.82pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:380.16pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:385.47pt; top:26.82pt; line-height:13.41pt;"): tasks
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:413.79pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:419.11pt; top:26.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.43pt; left:429.73pt; top:26.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:26.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:40.23pt; line-height:13.41pt;"): independent
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:90.07pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:97.09pt; top:40.23pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:139.92pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:146.93pt; top:40.23pt; line-height:13.41pt;"): audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:175.71pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:182.73pt; top:40.23pt; line-height:13.41pt;"): function
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:229.27pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:236.29pt; top:40.23pt; line-height:13.41pt;"): are
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:253.84pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:260.86pt; top:40.23pt; line-height:13.41pt;"): performed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:320.18pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:327.2pt; top:40.23pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:340.62pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:347.64pt; top:40.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:366.2pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:373.22pt; top:40.23pt; line-height:13.41pt;"): Internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.14pt; left:416.4pt; top:40.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:423.42pt; top:40.23pt; line-height:13.41pt;"): Audit
        
        span (class="awspan awtext003", style="font-size:11pt; left:18pt; top:53.64pt; line-height:13.41pt;"): Department.
      - div (class="awdiv", style="top:130.8pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:26.21pt; top:0pt; line-height:13.41pt;"): Audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:56.38pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:62.19pt; top:0pt; line-height:13.41pt;"): Committee
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:125.51pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:131.32pt; top:0pt; line-height:13.41pt;"): provides
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:178.49pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:184.29pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:202.85pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:208.65pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:272.91pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:278.71pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:312.26pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.07pt; top:0pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:342.61pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:348.41pt; top:0pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:361.22pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:367.02pt; top:0pt; line-height:13.41pt;"): opinion
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:409.08pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:414.89pt; top:0pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.92pt; left:429.23pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:14.47pt; line-height:13.41pt;"): assessment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:64.88pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:68.79pt; top:14.47pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:79.41pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.32pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:101.88pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:105.78pt; top:14.47pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:148.6pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:152.51pt; top:14.47pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:191.78pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:195.69pt; top:14.47pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:235.19pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:239.1pt; top:14.47pt; line-height:13.41pt;"): based
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:272.53pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:276.43pt; top:14.47pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:290.78pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:294.68pt; top:14.47pt; line-height:13.41pt;"): information
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:360.06pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:363.96pt; top:14.47pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:390.67pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:394.58pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.02pt; left:413.14pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:417.04pt; top:14.47pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:28.94pt; line-height:13.41pt;"): Management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:75.35pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:79pt; top:28.94pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:112.55pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.21pt; top:28.94pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:130.55pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:134.2pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:152.76pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:156.41pt; top:28.94pt; line-height:13.41pt;"): functioning
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:220.91pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:224.56pt; top:28.94pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:235.18pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:238.84pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:257.39pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:261.05pt; top:28.94pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:303.87pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:307.52pt; top:28.94pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:346.79pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:350.45pt; top:28.94pt; line-height:13.41pt;"): system,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:392.28pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:395.93pt; top:28.94pt; line-height:13.41pt;"): reports
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.77pt; left:435.6pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:439.25pt; top:28.94pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:43.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:18.56pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:22.48pt; top:43.41pt; line-height:13.41pt;"): effectiveness
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:94.3pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:98.23pt; top:43.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:108.85pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:112.78pt; top:43.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:131.34pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:135.26pt; top:43.41pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:174.53pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:178.46pt; top:43.41pt; line-height:13.41pt;"): function,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:227.33pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:231.26pt; top:43.41pt; line-height:13.41pt;"): significant
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:288.83pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:292.76pt; top:43.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:314.15pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.08pt; top:43.41pt; line-height:13.41pt;"): critical
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:354.71pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:358.64pt; top:43.41pt; line-height:13.41pt;"): irregularities
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.04pt; left:428.28pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.2pt; top:43.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:57.88pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:18.56pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:26.15pt; top:57.88pt; line-height:13.41pt;"): status
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:59.74pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:67.33pt; top:57.88pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:77.96pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:85.55pt; top:57.88pt; line-height:13.41pt;"): recovery
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:132.68pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:140.27pt; top:57.88pt; line-height:13.41pt;"): plans,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:172.34pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:179.93pt; top:57.88pt; line-height:13.41pt;"): reports
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:219.6pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:227.19pt; top:57.88pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:241.54pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:249.13pt; top:57.88pt; line-height:13.41pt;"): compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:314.04pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:321.64pt; top:57.88pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:341pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:348.59pt; top:57.88pt; line-height:13.41pt;"): management,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.71pt; left:427.44pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.03pt; top:57.88pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:72.35pt; line-height:13.41pt;"): assessment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:64.88pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:70.01pt; top:72.35pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:96.72pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:101.86pt; top:72.35pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:115.8pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:120.93pt; top:72.35pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:163.76pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:168.89pt; top:72.35pt; line-height:13.41pt;"): audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:197.67pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:202.81pt; top:72.35pt; line-height:13.41pt;"): perspective,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:269.36pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:274.49pt; top:72.35pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:286.36pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:291.5pt; top:72.35pt; line-height:13.41pt;"): well
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:313.73pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:318.87pt; top:72.35pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:330.74pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:335.87pt; top:72.35pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:354.43pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:359.57pt; top:72.35pt; line-height:13.41pt;"): results
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:396.21pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:401.35pt; top:72.35pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.26pt; left:411.97pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:417.11pt; top:72.35pt; line-height:13.41pt;"): audits.
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:86.82pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:20.41pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:25.91pt; top:86.82pt; line-height:13.41pt;"): Committee
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:89.24pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:94.75pt; top:86.82pt; line-height:13.41pt;"): takes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:124.34pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:129.85pt; top:86.82pt; line-height:13.41pt;"): into
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:151.62pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:157.12pt; top:86.82pt; line-height:13.41pt;"): account
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:202.21pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:207.72pt; top:86.82pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:218.13pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:223.63pt; top:86.82pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:236.44pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:241.95pt; top:86.82pt; line-height:13.41pt;"): opinion
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:284.01pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:289.52pt; top:86.82pt; line-height:13.41pt;"): information
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:354.89pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:360.4pt; top:86.82pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:387.11pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:392.61pt; top:86.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.63pt; left:411.17pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:416.68pt; top:86.82pt; line-height:13.41pt;"): parent
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:101.29pt; line-height:13.41pt;"): company,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.74pt; left:54.45pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:63.07pt; top:101.29pt; line-height:13.41pt;"): subsidiaries,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.74pt; left:130.28pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:138.9pt; top:101.29pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.74pt; left:157.46pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:166.08pt; top:101.29pt; line-height:13.41pt;"): auditor,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.74pt; left:208.5pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:217.12pt; top:101.29pt; line-height:13.41pt;"): supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.74pt; left:279.98pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:288.6pt; top:101.29pt; line-height:13.41pt;"): institutions
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.74pt; left:350.83pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:359.45pt; top:101.29pt; line-height:13.41pt;"): (e.g.,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.74pt; left:384.26pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:392.88pt; top:101.29pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.74pt; left:411.43pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.05pt; top:101.29pt; line-height:13.41pt;"): Polish
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:115.76pt; line-height:13.41pt;"): Financial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:49.91pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:52.49pt; top:115.76pt; line-height:13.41pt;"): Supervision
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:116.77pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:119.36pt; top:115.76pt; line-height:13.41pt;"): Authority),
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:177.21pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:179.79pt; top:115.76pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:191.66pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:194.24pt; top:115.76pt; line-height:13.41pt;"): well
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:216.47pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:219.05pt; top:115.76pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:230.92pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:233.51pt; top:115.76pt; line-height:13.41pt;"): from
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:260.21pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:262.8pt; top:115.76pt; line-height:13.41pt;"): other
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:292.66pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:295.25pt; top:115.76pt; line-height:13.41pt;"): third
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:321.99pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:324.57pt; top:115.76pt; line-height:13.41pt;"): parties.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:364.71pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:367.29pt; top:115.76pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.3pt; left:387.7pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:390.28pt; top:115.76pt; line-height:13.41pt;"): Committee
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:130.23pt; line-height:13.41pt;"): assesses
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:46.67pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:50.52pt; top:130.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:69.08pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:72.92pt; top:130.23pt; line-height:13.41pt;"): performance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:144.92pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:148.77pt; top:130.23pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:159.39pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:163.24pt; top:130.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:181.8pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:185.64pt; top:130.23pt; line-height:13.41pt;"): Compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:252.27pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:256.12pt; top:130.23pt; line-height:13.41pt;"): Department
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:324.9pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:328.75pt; top:130.23pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:350.14pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:353.99pt; top:130.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:372.55pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.39pt; top:130.23pt; line-height:13.41pt;"): Internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.96pt; left:419.58pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:423.43pt; top:130.23pt; line-height:13.41pt;"): Audit
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:144.7pt; line-height:13.41pt;"): Department
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:68.78pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:74.85pt; top:144.7pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:89.19pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:95.25pt; top:144.7pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:113.81pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:119.87pt; top:144.7pt; line-height:13.41pt;"): basis
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:147.54pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:153.6pt; top:144.7pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:164.22pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:170.29pt; top:144.7pt; line-height:13.41pt;"): annual
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:208.52pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:214.58pt; top:144.7pt; line-height:13.41pt;"): activity
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:254.04pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:260.1pt; top:144.7pt; line-height:13.41pt;"): reports
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:299.77pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:305.83pt; top:144.7pt; line-height:13.41pt;"): presented
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:362.38pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:368.44pt; top:144.7pt; line-height:13.41pt;"): directly
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:409.49pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:415.56pt; top:144.7pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.18pt; left:428.98pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:144.7pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:159.17pt; line-height:13.41pt;"): Directors of the Compliance and Internal Audit Departments.
      - div (class="awdiv", style="top:312.44pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:6pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:20.41pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:22.62pt; top:6pt; line-height:13.41pt;"): Internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:65.8pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:68.01pt; top:6pt; line-height:13.41pt;"): Audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:98.19pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:100.4pt; top:6pt; line-height:13.41pt;"): Department
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:169.18pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:171.4pt; top:6pt; line-height:13.41pt;"): included
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:219.92pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:222.13pt; top:6pt; line-height:13.41pt;"): sustainability
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:294.9pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:297.12pt; top:6pt; line-height:13.41pt;"): issues
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:330.26pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:332.47pt; top:6pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:342.88pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:345.09pt; top:6pt; line-height:13.41pt;"): its
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:357.89pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:360.11pt; top:6pt; line-height:13.41pt;"): audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:388.88pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:391.09pt; top:6pt; line-height:13.41pt;"): testing
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.67pt; left:430pt; top:6pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.21pt; top:6pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:19.41pt; line-height:13.41pt;"): assessment of the internal control system.
      - div (class="awdiv", style="top:359.26pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:24.01pt; top:0pt; line-height:13.41pt;"): Directors
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:74.46pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:78.06pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:88.69pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:92.29pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:110.85pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:114.46pt; top:0pt; line-height:13.41pt;"): Compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:181.09pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:184.69pt; top:0pt; line-height:13.41pt;"): Department
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:253.47pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.08pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:278.48pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:282.08pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:300.64pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:304.24pt; top:0pt; line-height:13.41pt;"): Internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:347.43pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:351.04pt; top:0pt; line-height:13.41pt;"): Audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.72pt; left:381.21pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:384.82pt; top:0pt; line-height:13.41pt;"): Department
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:14.47pt; line-height:13.41pt;"): took
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:24.87pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:27.15pt; top:14.47pt; line-height:13.41pt;"): measures
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:81.18pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.46pt; top:14.47pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:97.8pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:100.08pt; top:14.47pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:114.02pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.31pt; top:14.47pt; line-height:13.41pt;"): on-going
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:167.25pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:169.53pt; top:14.47pt; line-height:13.41pt;"): basis
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:197.19pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:199.48pt; top:14.47pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:210.84pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:213.12pt; top:14.47pt; line-height:13.41pt;"): ensure
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:251.05pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:253.33pt; top:14.47pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:276.2pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:278.49pt; top:14.47pt; line-height:13.41pt;"): adequate
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:331.54pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:333.82pt; top:14.47pt; line-height:13.41pt;"): human
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:374.28pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.56pt; top:14.47pt; line-height:13.41pt;"): resources
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.6pt; left:429.92pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.21pt; top:14.47pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:18.56pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:24.2pt; top:28.94pt; line-height:13.41pt;"): necessary
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:78.75pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:84.39pt; top:28.94pt; line-height:13.41pt;"): financial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:131.06pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:136.71pt; top:28.94pt; line-height:13.41pt;"): resources
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:190.07pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:195.71pt; top:28.94pt; line-height:13.41pt;"): were
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:223.08pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:228.72pt; top:28.94pt; line-height:13.41pt;"): available
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:277.13pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:282.77pt; top:28.94pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:294.13pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:299.78pt; top:28.94pt; line-height:13.41pt;"): systematically
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:377.76pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.4pt; top:28.94pt; line-height:13.41pt;"): improve
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.76pt; left:429.4pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:43.41pt; line-height:13.41pt;"): qualifications, experience and skills of the staff of those units.
      - div (class="awdiv", style="top:425.14pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): Based
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:34.26pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:39.06pt; top:0pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:53.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:58.2pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:76.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:81.56pt; top:0pt; line-height:13.41pt;"): information
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:146.93pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:151.73pt; top:0pt; line-height:13.41pt;"): received
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:198.64pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:203.44pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:213.85pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:218.64pt; top:0pt; line-height:13.41pt;"): 2024,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:248.02pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:252.82pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:271.38pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:276.17pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:340.42pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:345.22pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:378.77pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.57pt; top:0pt; line-height:13.41pt;"): assesses
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.91pt; left:430.24pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:14.47pt; line-height:13.41pt;"): adequacy
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:54.1pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:58.27pt; top:14.47pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:79.66pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.83pt; top:14.47pt; line-height:13.41pt;"): effectiveness
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:155.65pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:159.82pt; top:14.47pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:170.45pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:174.61pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:193.17pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:197.34pt; top:14.47pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:240.16pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:244.33pt; top:14.47pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:283.6pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:287.77pt; top:14.47pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:327.27pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:331.44pt; top:14.47pt; line-height:13.41pt;"): (including
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:387.43pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:391.6pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.29pt; left:410.16pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:414.33pt; top:14.47pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:28.94pt; line-height:13.41pt;"): function,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:48.87pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:51.21pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:69.77pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:72.11pt; top:28.94pt; line-height:13.41pt;"): compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:137.02pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:139.36pt; top:28.94pt; line-height:13.41pt;"): function,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:188.23pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:190.57pt; top:28.94pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:211.97pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:214.31pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:232.87pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.21pt; top:28.94pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:278.03pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:280.37pt; top:28.94pt; line-height:13.41pt;"): audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:309.14pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:311.48pt; top:28.94pt; line-height:13.41pt;"): function)
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:361.64pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:363.98pt; top:28.94pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:374.39pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.73pt; top:28.94pt; line-height:13.41pt;"): relation
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:419pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:421.34pt; top:28.94pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.54pt; left:432.71pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.05pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:43.41pt; line-height:13.41pt;"): complexity
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:61.08pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:64.06pt; top:43.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:74.68pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:77.65pt; top:43.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:96.21pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:99.18pt; top:43.41pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:135.74pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:138.71pt; top:43.41pt; line-height:13.41pt;"): activities,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:189.52pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.49pt; top:43.41pt; line-height:13.41pt;"): organisational
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:271.33pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:274.3pt; top:43.41pt; line-height:13.41pt;"): structure,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:327.4pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:330.38pt; top:43.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:351.77pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:354.74pt; top:43.41pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.09pt; left:374.1pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:377.08pt; top:43.41pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:57.88pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:39.5pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:42.07pt; top:57.88pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:53.94pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:56.5pt; top:57.88pt; line-height:13.41pt;"): fair.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:76.42pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:78.99pt; top:57.88pt; line-height:13.41pt;"): As
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:92.25pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:94.82pt; top:57.88pt; line-height:13.41pt;"): part
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:117.65pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:120.21pt; top:57.88pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:130.84pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133.4pt; top:57.88pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:151.96pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:154.53pt; top:57.88pt; line-height:13.41pt;"): assessment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:219.4pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:221.97pt; top:57.88pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:232.6pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.16pt; top:57.88pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:253.72pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:256.29pt; top:57.88pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:299.11pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:301.67pt; top:57.88pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:340.95pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:343.51pt; top:57.88pt; line-height:13.41pt;"): system,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:385.34pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:387.91pt; top:57.88pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:402.25pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:404.82pt; top:57.88pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.32pt; left:423.38pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:425.94pt; top:57.88pt; line-height:13.41pt;"): basis
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:72.35pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:10.63pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:17.38pt; top:72.35pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:31.32pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:38.08pt; top:72.35pt; line-height:13.41pt;"): opinion
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:80.14pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:86.89pt; top:72.35pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:97.52pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:104.28pt; top:72.35pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:122.83pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:129.59pt; top:72.35pt; line-height:13.41pt;"): Audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:159.76pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:166.52pt; top:72.35pt; line-height:13.41pt;"): Committee,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:232.18pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:238.93pt; top:72.35pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:257.49pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:264.25pt; top:72.35pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:328.5pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:335.25pt; top:72.35pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:368.8pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:375.56pt; top:72.35pt; line-height:13.41pt;"): identified
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.87pt; left:428.28pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:72.35pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:86.82pt; line-height:13.41pt;"): strengths
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:53.19pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.97pt; top:86.82pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:66.59pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:69.38pt; top:86.82pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:87.93pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:90.72pt; top:86.82pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:130.22pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133pt; top:86.82pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:154.4pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:157.18pt; top:86.82pt; line-height:13.41pt;"): areas
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:186.59pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:189.38pt; top:86.82pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:204.41pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:207.2pt; top:86.82pt; line-height:13.41pt;"): further
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:245.71pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:248.49pt; top:86.82pt; line-height:13.41pt;"): improvement.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:327.05pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:329.83pt; top:86.82pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:350.24pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:353.02pt; top:86.82pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.1pt; left:417.27pt; top:86.82pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.06pt; top:86.82pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:101.29pt; line-height:13.41pt;"): assessed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:48.75pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:55.36pt; top:101.29pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:78.23pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:84.85pt; top:101.29pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:103.4pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:110.01pt; top:101.29pt; line-height:13.41pt;"): units
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:137.67pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:144.28pt; top:101.29pt; line-height:13.41pt;"): responsible
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:207.91pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:214.53pt; top:101.29pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:229.56pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:236.18pt; top:101.29pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:254.73pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:261.35pt; top:101.29pt; line-height:13.41pt;"): control
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:300.61pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:307.23pt; top:101.29pt; line-height:13.41pt;"): function,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:356.1pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:362.71pt; top:101.29pt; line-height:13.41pt;"): compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.73pt; left:427.62pt; top:101.29pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:434.23pt; top:101.29pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:115.76pt; line-height:13.41pt;"): management,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:78.85pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:83.6pt; top:115.76pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:104.99pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:109.74pt; top:115.76pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:152.57pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:157.32pt; top:115.76pt; line-height:13.41pt;"): audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:186.09pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:190.84pt; top:115.76pt; line-height:13.41pt;"): carried
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:229.41pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:234.16pt; top:115.76pt; line-height:13.41pt;"): out
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:252.92pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.67pt; top:115.76pt; line-height:13.41pt;"): their
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:283.6pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:288.35pt; top:115.76pt; line-height:13.41pt;"): tasks
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:316.68pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:321.43pt; top:115.76pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:331.83pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:336.58pt; top:115.76pt; line-height:13.41pt;"): accordance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:401pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:405.75pt; top:115.76pt; line-height:13.41pt;"): with
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.87pt; left:430.29pt; top:115.76pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:115.76pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:130.23pt; line-height:13.41pt;"): internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:42.82pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:45.24pt; top:130.23pt; line-height:13.41pt;"): regulations
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:107.84pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:110.26pt; top:130.23pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:124.6pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:127.02pt; top:130.23pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:133.51pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:135.93pt; top:130.23pt; line-height:13.41pt;"): continuous
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:198.42pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:200.83pt; top:130.23pt; line-height:13.41pt;"): basis,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:230.83pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:233.25pt; top:130.23pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:254.64pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.06pt; top:130.23pt; line-height:13.41pt;"): that
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:279.93pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:282.35pt; top:130.23pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:300.9pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:303.32pt; top:130.23pt; line-height:13.41pt;"): Bank’s
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:339.87pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:342.29pt; top:130.23pt; line-height:13.41pt;"): Management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.47pt; left:417.64pt; top:130.23pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.06pt; top:130.23pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:144.7pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:21.4pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:24.31pt; top:144.7pt; line-height:13.41pt;"): Audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:54.48pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:57.4pt; top:144.7pt; line-height:13.41pt;"): Committee,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:123.06pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:125.97pt; top:144.7pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:137.84pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:140.76pt; top:144.7pt; line-height:13.41pt;"): well
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:162.99pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:165.91pt; top:144.7pt; line-height:13.41pt;"): as
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:177.78pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:180.69pt; top:144.7pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:199.25pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:202.16pt; top:144.7pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:266.42pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:269.33pt; top:144.7pt; line-height:13.41pt;"): Board,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:305.21pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:308.13pt; top:144.7pt; line-height:13.41pt;"): received
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:355.05pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:357.96pt; top:144.7pt; line-height:13.41pt;"): adequate
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.03pt; left:411.01pt; top:144.7pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:413.93pt; top:144.7pt; line-height:13.41pt;"): reports
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:159.17pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:21.4pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:28.6pt; top:159.17pt; line-height:13.41pt;"): information
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:93.97pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:101.18pt; top:159.17pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:115.52pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:122.73pt; top:159.17pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:141.28pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:148.49pt; top:159.17pt; line-height:13.41pt;"): effects
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:185.27pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:192.48pt; top:159.17pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:203.1pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:210.31pt; top:159.17pt; line-height:13.41pt;"): such
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:236.73pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:243.94pt; top:159.17pt; line-height:13.41pt;"): activities.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:294.74pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:301.95pt; top:159.17pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:322.36pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:329.56pt; top:159.17pt; line-height:13.41pt;"): independence
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:410pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:417.21pt; top:159.17pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:4.32pt; left:427.83pt; top:159.17pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:159.17pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:173.64pt; line-height:13.41pt;"): Compliance
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.48pt; left:66.63pt; top:173.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:72.99pt; top:173.64pt; line-height:13.41pt;"): Department
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.48pt; left:141.78pt; top:173.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:148.14pt; top:173.64pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.48pt; left:169.54pt; top:173.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:175.91pt; top:173.64pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.48pt; left:194.46pt; top:173.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:200.83pt; top:173.64pt; line-height:13.41pt;"): Internal
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.48pt; left:244.02pt; top:173.64pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:250.38pt; top:173.64pt; line-height:13.41pt;"): Audit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.48pt; left:280.56pt; top:173.64pt; line-height:13.41pt;")
        
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        span (class="awspan awtext003", style="font-size:11pt; left:319.42pt; top:188.11pt; line-height:13.41pt;"): and
        
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        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:345.34pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:349.15pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:367.71pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:371.52pt; top:0pt; line-height:13.41pt;"): Retail
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.93pt; left:402.99pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:406.8pt; top:0pt; line-height:13.41pt;"): Banking
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:14.47pt; line-height:13.41pt;"): Risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:22.9pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:25.98pt; top:14.47pt; line-height:13.41pt;"): Committee,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:91.64pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:94.71pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:113.27pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.34pt; top:14.47pt; line-height:13.41pt;"): Corporate
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:171.92pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:175pt; top:14.47pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:196.39pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:199.47pt; top:14.47pt; line-height:13.41pt;"): Investment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:262.91pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:265.99pt; top:14.47pt; line-height:13.41pt;"): Banking
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:312.78pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:315.86pt; top:14.47pt; line-height:13.41pt;"): Risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:338.76pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:341.83pt; top:14.47pt; line-height:13.41pt;"): Committee,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:407.49pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:410.57pt; top:14.47pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.19pt; left:431.96pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.03pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:28.94pt; line-height:13.41pt;"): Financial
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:49.91pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:53.65pt; top:28.94pt; line-height:13.41pt;"): Markets
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:98.16pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:101.91pt; top:28.94pt; line-height:13.41pt;"): Risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:124.81pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:128.56pt; top:28.94pt; line-height:13.41pt;"): Committee,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:194.21pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:197.96pt; top:28.94pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:231.68pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:235.42pt; top:28.94pt; line-height:13.41pt;"): define
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:270.3pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:274.05pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:292.61pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:296.36pt; top:28.94pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:315.72pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:319.46pt; top:28.94pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:395.98pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:399.73pt; top:28.94pt; line-height:13.41pt;"): principles
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:43.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:21.4pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:25.4pt; top:43.41pt; line-height:13.41pt;"): determine
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:83.74pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:87.74pt; top:43.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:106.3pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:110.3pt; top:43.41pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:129.66pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:133.66pt; top:43.41pt; line-height:13.41pt;"): appetite
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:180.25pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:184.25pt; top:43.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:194.88pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:198.88pt; top:43.41pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:217.44pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:221.44pt; top:43.41pt; line-height:13.41pt;"): business
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:269.49pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:273.49pt; top:43.41pt; line-height:13.41pt;"): line.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:295.83pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:299.83pt; top:43.41pt; line-height:13.41pt;"): Risks
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:328.11pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:332.11pt; top:43.41pt; line-height:13.41pt;"): are
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:349.66pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:353.66pt; top:43.41pt; line-height:13.41pt;"): also
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:375.39pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:379.39pt; top:43.41pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.12pt; left:393.33pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:397.33pt; top:43.41pt; line-height:13.41pt;"): important
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:57.88pt; line-height:13.41pt;"): focus
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:29.6pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:34.16pt; top:57.88pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:44.79pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:49.35pt; top:57.88pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:67.91pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:72.47pt; top:57.88pt; line-height:13.41pt;"): work
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:100.06pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:104.62pt; top:57.88pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:115.24pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:119.8pt; top:57.88pt; line-height:13.41pt;"): other
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:149.67pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:154.23pt; top:57.88pt; line-height:13.41pt;"): committees
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:221.22pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:225.78pt; top:57.88pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:236.19pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:240.75pt; top:57.88pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:259.3pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:263.86pt; top:57.88pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:292.71pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:297.27pt; top:57.88pt; line-height:13.41pt;"): chaired
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:338.87pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:343.43pt; top:57.88pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:356.85pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:361.41pt; top:57.88pt; line-height:13.41pt;"): members
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:415.29pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:419.85pt; top:57.88pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:1.68pt; left:430.48pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:57.88pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:72.35pt; line-height:13.41pt;"): Management Board.
      - div (class="awdiv", style="top:131.76pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:23.24pt; top:0pt; line-height:13.41pt;"): Bank
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:52.08pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:54.92pt; top:0pt; line-height:13.41pt;"): has
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:74.24pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:77.07pt; top:0pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:87.48pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:90.31pt; top:0pt; line-height:13.41pt;"): place
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:120.06pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:122.89pt; top:0pt; line-height:13.41pt;"): methodologies
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:206.76pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:209.59pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:230.99pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:233.82pt; top:0pt; line-height:13.41pt;"): processes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:288.21pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:291.04pt; top:0pt; line-height:13.41pt;"): where
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:325.86pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:328.7pt; top:0pt; line-height:13.41pt;"): risks
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:353.43pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:356.27pt; top:0pt; line-height:13.41pt;"): are
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:373.82pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:376.65pt; top:0pt; line-height:13.41pt;"): identified
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.05pt; left:429.37pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:432.21pt; top:0pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:14.47pt; line-height:13.41pt;"): assessed
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:48.75pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:51.26pt; top:14.47pt; line-height:13.41pt;"): to
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:62.63pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:65.14pt; top:14.47pt; line-height:13.41pt;"): determine
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:123.49pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:126pt; top:14.47pt; line-height:13.41pt;"): their
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:151.93pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:154.44pt; top:14.47pt; line-height:13.41pt;"): potential
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:204.22pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:206.74pt; top:14.47pt; line-height:13.41pt;"): impact
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:245.97pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:248.49pt; top:14.47pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:262.83pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:265.34pt; top:14.47pt; line-height:13.41pt;"): current
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:306.32pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:308.83pt; top:14.47pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:330.23pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:332.74pt; top:14.47pt; line-height:13.41pt;"): future
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:366.8pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:369.31pt; top:14.47pt; line-height:13.41pt;"): operations.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.37pt; left:430.69pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:433.2pt; top:14.47pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:28.94pt; line-height:13.41pt;"): comprehensive
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.31pt; left:85.76pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:91.94pt; top:28.94pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.31pt; left:111.31pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:117.49pt; top:28.94pt; line-height:13.41pt;"): management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.31pt; left:194.01pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:200.2pt; top:28.94pt; line-height:13.41pt;"): structure
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.31pt; left:250.98pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:257.16pt; top:28.94pt; line-height:13.41pt;"): is
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.31pt; left:265.5pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:271.69pt; top:28.94pt; line-height:13.41pt;"): complemented
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.31pt; left:357.84pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:364.03pt; top:28.94pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.31pt; left:377.45pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:383.64pt; top:28.94pt; line-height:13.41pt;"): a
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:3.31pt; left:390.13pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:396.32pt; top:28.94pt; line-height:13.41pt;"): consistent
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:43.41pt; line-height:13.41pt;"): system
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:39.5pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:44.54pt; top:43.41pt; line-height:13.41pt;"): for
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:59.58pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:64.62pt; top:43.41pt; line-height:13.41pt;"): monitoring
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:127.32pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:132.36pt; top:43.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:153.76pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:158.8pt; top:43.41pt; line-height:13.41pt;"): reporting
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:211.04pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:216.08pt; top:43.41pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:235.44pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:240.48pt; top:43.41pt; line-height:13.41pt;"): levels
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:271.03pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:276.07pt; top:43.41pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:297.47pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:302.51pt; top:43.41pt; line-height:13.41pt;"): breaches
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:353.18pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:358.22pt; top:43.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:368.84pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:373.89pt; top:43.41pt; line-height:13.41pt;"): limits
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:404.28pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:409.32pt; top:43.41pt; line-height:13.41pt;"): set.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.16pt; left:428.14pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:433.18pt; top:43.41pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:57.88pt; line-height:13.41pt;"): reporting system covers the key management levels.
      - div (class="awdiv", style="top:212.11pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:0pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:20.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:24.16pt; top:0pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:88.41pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:92.16pt; top:0pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:125.71pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:129.46pt; top:0pt; line-height:13.41pt;"): receives
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:174.29pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:178.05pt; top:0pt; line-height:13.41pt;"): periodic
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:223.02pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:226.78pt; top:0pt; line-height:13.41pt;"): reports
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:266.44pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:270.19pt; top:0pt; line-height:13.41pt;"): presenting
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:330.59pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:334.35pt; top:0pt; line-height:13.41pt;"): an
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:348.28pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:352.03pt; top:0pt; line-height:13.41pt;"): assessment
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:416.91pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:420.66pt; top:0pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.87pt; left:431.29pt; top:0pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.04pt; top:0pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:14.47pt; line-height:13.41pt;"): level
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:25.17pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:33.61pt; top:14.47pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:44.24pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:52.68pt; top:14.47pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:72.04pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:80.48pt; top:14.47pt; line-height:13.41pt;"): identified
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:133.2pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:141.64pt; top:14.47pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:163.04pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:171.48pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:190.03pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:198.48pt; top:14.47pt; line-height:13.41pt;"): effectiveness
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:270.29pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:278.73pt; top:14.47pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:289.36pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:297.8pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:316.36pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:324.8pt; top:14.47pt; line-height:13.41pt;"): actions
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:364.63pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:373.07pt; top:14.47pt; line-height:13.41pt;"): taken
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:404.73pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:413.17pt; top:14.47pt; line-height:13.41pt;"): by
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:5.56pt; left:426.59pt; top:14.47pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:435.03pt; top:14.47pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:28.94pt; line-height:13.41pt;"): Management
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:75.35pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:77.83pt; top:28.94pt; line-height:13.41pt;"): Board.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:113.71pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.2pt; top:28.94pt; line-height:13.41pt;"): In
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:126.97pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:129.45pt; top:28.94pt; line-height:13.41pt;"): matters
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:172.98pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:175.46pt; top:28.94pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:186.09pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:188.57pt; top:28.94pt; line-height:13.41pt;"): risk,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:210.26pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:212.74pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:231.3pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:233.78pt; top:28.94pt; line-height:13.41pt;"): Supervisory
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:298.04pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:300.52pt; top:28.94pt; line-height:13.41pt;"): Board
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:334.07pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:336.55pt; top:28.94pt; line-height:13.41pt;"): acts
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:359.08pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:361.56pt; top:28.94pt; line-height:13.41pt;"): through
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:407.18pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:409.66pt; top:28.94pt; line-height:13.41pt;"): the
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:-0.4pt; left:428.22pt; top:28.94pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:430.7pt; top:28.94pt; line-height:13.41pt;"): Risk
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:43.41pt; line-height:13.41pt;"): Committee,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:65.66pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:70.78pt; top:43.41pt; line-height:13.41pt;"): which
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:104.49pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:109.61pt; top:43.41pt; line-height:13.41pt;"): exercises
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:159.73pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:164.85pt; top:43.41pt; line-height:13.41pt;"): on-going
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:215.79pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:220.91pt; top:43.41pt; line-height:13.41pt;"): oversight
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:272.62pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:277.73pt; top:43.41pt; line-height:13.41pt;"): of
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:288.36pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:293.48pt; top:43.41pt; line-height:13.41pt;"): individual
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:347.53pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:352.64pt; top:43.41pt; line-height:13.41pt;"): risks,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:379.72pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:384.83pt; top:43.41pt; line-height:13.41pt;"): in
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.23pt; left:395.24pt; top:43.41pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:400.35pt; top:43.41pt; line-height:13.41pt;"): particular
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:57.88pt; line-height:13.41pt;"): credit
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:32.13pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:35.11pt; top:57.88pt; line-height:13.41pt;"): risk
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:54.47pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:57.45pt; top:57.88pt; line-height:13.41pt;"): (including
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:113.44pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.42pt; top:57.88pt; line-height:13.41pt;"): concentration
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:194.37pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:197.35pt; top:57.88pt; line-height:13.41pt;"): risk),
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:222.66pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:225.64pt; top:57.88pt; line-height:13.41pt;"): market
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:265.93pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:268.91pt; top:57.88pt; line-height:13.41pt;"): risk,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:290.6pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:293.58pt; top:57.88pt; line-height:13.41pt;"): operational
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:356.7pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:359.68pt; top:57.88pt; line-height:13.41pt;"): risk,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:381.37pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:384.35pt; top:57.88pt; line-height:13.41pt;"): liquidity
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:0.1pt; left:428.93pt; top:57.88pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:431.91pt; top:57.88pt; line-height:13.41pt;"): risk,
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:72.35pt; line-height:13.41pt;"): reputation
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:58.64pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:63.6pt; top:72.35pt; line-height:13.41pt;"): risk,
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:85.29pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:90.24pt; top:72.35pt; line-height:13.41pt;"): and
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:111.64pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:116.59pt; top:72.35pt; line-height:13.41pt;"): business
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:164.64pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:169.59pt; top:72.35pt; line-height:13.41pt;"): risk.
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:191.28pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:196.24pt; top:72.35pt; line-height:13.41pt;"): The
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:216.64pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:221.6pt; top:72.35pt; line-height:13.41pt;"): Committee
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:284.92pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:289.88pt; top:72.35pt; line-height:13.41pt;"): makes
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:326.67pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:331.63pt; top:72.35pt; line-height:13.41pt;"): recommendations
        
        span (class="awspan awtext003", style="font-size:11pt; letter-spacing:2.07pt; left:434.3pt; top:72.35pt; line-height:13.41pt;")
        
        span (class="awspan awtext003", style="font-size:11pt; left:439.26pt; top:72.35pt; line-height:13.41pt;"): on
        
        span (class="awspan awtext003", style="font-size:11pt; left:0pt; top:86.82pt; line-height:13.41pt;"): significant exposures with single business entity risk.

AI assistant

mBank S.A. Governance Information 2025

AI assistant

mBank S.A. — Governance Information 2025

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mBank S.A. Governance Information 2025