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PKO Bank Polski S.A.

Investor Presentation • Mar 13, 2025

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      • span (class="awspan awtext001", style="letter-spacing:-0.14pt; left:156.77pt; top:14.94pt; line-height:13.86pt;")
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      • span (class="awspan awtext001", style="letter-spacing:-0.21pt; left:300.08pt; top:29.34pt; line-height:13.86pt;")
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      • span (class="awspan awtext001", style="left:50.76pt; top:43.74pt; line-height:13.86pt;"): PLN
      • span (class="awspan awtext001", style="letter-spacing:0.81pt; left:71.77pt; top:43.74pt; line-height:13.86pt;")
      • span (class="awspan awtext001", style="left:75.86pt; top:43.74pt; line-height:13.86pt;"): 17.4
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      • span (class="awspan awtext001", style="letter-spacing:0.81pt; left:208.76pt; top:43.74pt; line-height:13.86pt;")
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      • span (class="awspan awtext001", style="letter-spacing:0.81pt; left:269.8pt; top:43.74pt; line-height:13.86pt;")
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      • span (class="awspan awtext001", style="left:318.73pt; top:86.94pt; line-height:13.86pt;"): 42%
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      • span (class="awspan awtext001", style="left:361.7pt; top:86.94pt; line-height:13.86pt;"): the
      • span (class="awspan awtext001", style="letter-spacing:1.88pt; left:377.81pt; top:86.94pt; line-height:13.86pt;")
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