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REPOR) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 356.66 707.75 Td (TS RESUL) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 412.77 707.75 Td (TS ) Tj ET Q BT /F2 11.90 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 170.85 693.45 Td (FOR ) Tj ET Q BT /F2 11.90 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 198.73 693.45 Td (THE ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 226.39 693.45 Td (YEAR ENDING 31 DECEMBER 2019) Tj ET Q BT /F2 11.90 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 424.08 693.45 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 101.90 672.45 Td (Stable quarterly revenue and cost discipline deliver full year adjusted EBITDA) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 425.23 672.45 Td ( of ) Tj ET Q BT /F3 10.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 438.56 672.45 Td (123 million) Tj ET Q BT /F3 10.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 490.51 672.45 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 57.55 657.45 Td (Strong receivables growth at TBI Bank in Q4, with further progress in using the bank to fund online loan portfolios.) Tj ET Q BT /F3 10.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 51.90 642.45 Td (Solid 'like-for-like' performance in online business, overall ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 297.83 642.45 Td (Y) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 302.83 642.45 Td (oY) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 313.57 642.45 Td ( comparisons impacted by product/market exits in 2018.) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 618.45 Td (28 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.91 618.45 Td (February ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.58 618.45 Td (2020. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.99 618.45 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.33 618.45 Td (Holding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.01 618.45 Td (S.A. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.70 618.45 Td (\(the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.16 618.45 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.63 618.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.54 618.45 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.77 618.45 Td (4finance\), ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.60 618.45 Td (one ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.94 618.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.18 618.45 Td (Europe) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.84 618.45 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.64 618.45 Td (lar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.00 618.45 Td (gest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.02 618.45 Td (digital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.48 618.45 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.26 618.45 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.17 618.45 Td (groups, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.80 618.45 Td (today ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 606.45 Td (announces ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.71 606.45 Td (unaudited ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.64 606.45 Td (consolidated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.68 606.45 Td (results ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.29 606.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.45 606.45 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 233.17 606.45 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.82 606.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.32 606.45 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.27 606.45 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.99 606.45 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.49 606.45 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.07 606.45 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.07 606.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.57 606.45 Td (\(the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.62 606.45 Td (Period\).) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 582.45 Td (Operational ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 87.95 582.45 Td (Highlights) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 565.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 565.45 Td (Launch ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.70 565.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.75 565.45 Td (near) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.75 565.45 Td (-prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.12 565.45 Td (product ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.38 565.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.88 565.45 Td (Latvia ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.13 565.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.63 565.45 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.43 565.45 Td (under ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.71 565.45 Td (V) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.33 565.45 Td (ivus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.72 565.45 Td (brand, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.70 565.45 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.20 565.45 Td (half ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.46 565.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.50 565.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.43 565.45 Td (Group's ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.39 565.45 Td (European ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.42 565.45 Td (markets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 541.79 565.45 Td (now ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 554.45 Td (active ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.37 554.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.65 554.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.37 554.45 Td (near) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.37 554.45 Td (-prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.53 554.45 Td (segment.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 539.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 539.45 Td (New ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.32 539.45 Td ('post-regulation' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.90 539.45 Td (products ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.77 539.45 Td (launched ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.30 539.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.51 539.45 Td (Q3 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.16 539.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.38 539.45 Td (Latvia ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.35 539.45 Td (\('minimum-to-pay' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.49 539.45 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.92 539.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 403.68 539.45 Td (credit\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.21 539.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.08 539.45 Td (Finland ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.07 539.45 Td (\(shorter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.97 539.45 Td (-term ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 537.06 539.45 Td ('mini' ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 528.45 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.16 528.45 Td (loan\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.21 528.45 Td (continue ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.14 528.45 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.42 528.45 Td (perform ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.13 528.45 Td (well, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.34 528.45 Td (consistently ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.62 528.45 Td (generating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.32 528.45 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.59 528.45 Td (30,000 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.59 528.45 Td (combined ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.52 528.45 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.24 528.45 Td (applications ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.06 528.45 Td (per ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.33 528.45 Td (month.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 513.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 513.45 Td (Near) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.23 513.45 Td (-prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.67 513.45 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.67 513.45 Td (issuance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.32 513.45 Td (up ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.11 513.45 Td (20% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.22 513.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.23 513.45 Td (-on-year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.88 513.45 Td (\(+83% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.96 513.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.52 513.45 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.29 513.45 Td (business ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.97 513.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.19 513.45 Td (+15% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.94 513.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.37 513.45 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.26 513.45 Td (Bank\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.48 513.45 Td (reflecting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.58 513.45 Td (strong ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 522.36 513.45 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 502.45 Td (demand ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.16 502.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.09 502.45 Td (new ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.25 502.45 Td (product ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.30 502.45 Td (launches.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 487.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 487.45 Td (Overall ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.59 487.45 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.19 487.45 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.01 487.45 Td (issuance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.49 487.45 Td (remains ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.75 487.45 Td (above ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.24 487.45 Td (1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.84 487.45 Td (billion ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.56 487.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.82 487.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.65 487.45 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.86 487.45 Td (despite ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.79 487.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.80 487.45 Td (-on-year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.27 487.45 Td (reduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.64 487.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.02 487.45 Td (volumes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 522.51 487.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.45 487.45 Td (Single ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 476.45 Td (Payment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.50 476.45 Td (Loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.43 476.45 Td (\(as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.59 476.45 Td (more ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.64 476.45 Td (markets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.80 476.45 Td (transition ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.07 476.45 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.35 476.45 Td (Line-of-Credit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.16 476.45 Td (products, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.60 476.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.54 476.45 Td (some ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.14 476.45 Td (product/market ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.73 476.45 Td (rationalisation\). ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 461.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 461.45 Td (Instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.46 461.45 Td (Loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.25 461.45 Td (issuance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.37 461.45 Td (volume ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.61 461.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.19 461.45 Td (156.5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.93 461.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.82 461.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.07 461.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.09 461.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.55 461.45 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.41 461.45 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.08 461.45 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.10 461.45 Td (196.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.84 461.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.74 461.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.98 461.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 467.00 461.45 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.00 461.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.75 461.45 Td (driven ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.54 461.45 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.79 461.45 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.47 461.45 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 450.45 Td (focused ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.60 450.45 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.09 450.45 Td (approach ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.24 450.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.18 450.45 Td (product ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.22 450.45 Td (reviews ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.82 450.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.10 450.45 Td (markets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.26 450.45 Td (including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.53 450.45 Td (Poland, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.76 450.45 Td (Armenia ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.24 450.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.18 450.45 Td (Spain.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 435.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 435.45 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.98 435.45 Td (number ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.96 435.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.72 435.45 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.15 435.45 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.58 435.45 Td (active ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.88 435.45 Td (customers) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.43 439.98 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.59 435.45 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.58 435.45 Td (0.32 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.51 435.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.40 435.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.83 435.45 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.60 435.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.36 435.45 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.79 435.45 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.31 435.45 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.31 435.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.24 435.45 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.10 435.45 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 503.31 435.45 Td (0.38 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 523.24 435.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 552.14 435.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 554.57 435.45 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 424.45 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.71 424.45 Td (ago. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.96 424.45 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.01 424.45 Td (reduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.28 424.45 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.33 424.45 Td (lar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.69 424.45 Td (gely ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.41 424.45 Td (attributable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.45 424.45 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.73 424.45 Td (products ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.66 424.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.60 424.45 Td (markets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.76 424.45 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.25 424.45 Td (were ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 403.18 424.45 Td (exited ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.12 424.45 Td (during ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.72 424.45 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 409.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 409.45 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.94 409.45 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.88 409.45 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.93 409.45 Td (issuance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.63 409.45 Td (volume ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.46 409.45 Td (during ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.40 409.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.45 409.45 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.39 409.45 Td (grew ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.21 409.45 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.04 409.45 Td (19%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.37 409.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.20 409.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.21 409.45 Td (-on-year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.91 409.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.52 409.45 Td (336.7 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.85 409.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.74 409.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.57 409.45 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.84 409.45 Td (281.7 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.17 409.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.06 409.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.89 409.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.50 409.45 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 556.50 409.45 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 394.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 394.45 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.85 394.45 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.71 394.45 Td (had ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.89 394.45 Td (0.42 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.14 394.45 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.77 394.45 Td (active ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.39 394.45 Td (borrowing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.80 394.45 Td (customers, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.59 394.45 Td (up ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.34 394.45 Td (3% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.41 394.45 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.60 394.45 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.78 394.45 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.73 394.45 Td (ago, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.42 394.45 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.94 394.45 Td (0.31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.19 394.45 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.82 394.45 Td (current ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.88 394.45 Td (accounts ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.62 394.45 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.69 394.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 383.45 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.50 383.45 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.08 383.45 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.08 383.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.08 383.45 Td (up ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.58 383.45 Td (12% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.41 383.45 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.35 383.45 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.29 383.45 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.00 383.45 Td (ago. ) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 359.45 Td (Financial ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 79.07 359.45 Td (Highlights) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 339.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 339.45 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.58 339.45 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.61 339.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.54 339.45 Td (423.9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.64 339.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.53 339.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.12 339.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.50 339.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.31 339.45 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.52 339.45 Td (down ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.34 339.45 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.96 339.45 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.29 339.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.89 339.45 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.93 339.45 Td (475.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.02 339.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.92 339.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.51 339.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.89 339.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.70 339.45 Td (prior ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.74 339.45 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.54 339.45 Td (period. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.99 339.45 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.14 339.45 Td (contribution ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 328.45 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.07 328.45 Td (lar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.44 328.45 Td (gest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.18 328.45 Td (markets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.48 328.45 Td (\(TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.55 328.45 Td (Bank, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.79 328.45 Td (Poland, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.71 328.45 Td (Spain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.12 328.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 273.20 328.45 Td (Denmark\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.37 328.45 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.56 328.45 Td (stable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.52 328.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 374.52 328.45 Td (-on-year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.99 328.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.13 328.45 Td (but ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.54 328.45 Td (overall ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.94 328.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.95 328.45 Td (-on-year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.45 328.45 Td (comparisons ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 317.45 Td (remain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.26 317.45 Td (impacted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.41 317.45 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.91 317.45 Td (markets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.07 317.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.01 317.45 Td (products ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.95 317.45 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.44 317.45 Td (were ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 281.37 317.45 Td (rationalised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.52 317.45 Td (during ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.13 317.45 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 302.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 302.45 Td (Continued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.62 302.45 Td (stable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.90 302.45 Td (quarterly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.95 302.45 Td (top ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.69 302.45 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.64 302.45 Td (performance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.12 302.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.85 302.45 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.03 302.45 Td (2019, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.49 302.45 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.22 302.45 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.61 302.45 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.00 302.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.29 302.45 Td (104.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 444.79 302.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.75 302.45 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.60 302.45 Td (\(down ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.10 302.45 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.43 302.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.39 302.45 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 546.79 302.45 Td (Q3 ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 291.45 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.00 291.45 Td (\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.83 291.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.77 291.45 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.03 291.45 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.97 291.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.80 291.45 Td (97.3 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.80 291.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.69 291.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.19 291.45 Td (\(up ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.02 291.45 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.35 291.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.85 291.45 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.79 291.45 Td (Q3 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.51 291.45 Td (2019\).) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 276.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 276.45 Td (Cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.07 276.45 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.58 276.45 Td (income) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.02 280.98 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.60 276.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.33 276.45 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.39 276.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.78 276.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.73 276.45 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.57 276.45 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.86 276.45 Td (51.4%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.69 276.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.92 276.45 Td (vs. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.05 276.45 Td (52.1%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.88 276.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.61 276.45 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.00 276.45 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.00 276.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.24 276.45 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.75 276.45 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.25 276.45 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.98 276.45 Td (down ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.94 276.45 Td (12%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 464.27 276.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.00 276.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.01 276.45 Td (-on-year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.47 276.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.71 276.45 Td (reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 265.45 Td (ongoing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.28 265.45 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.89 265.45 Td (discipline ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.27 265.45 Td (across ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.76 265.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.48 265.45 Td (Group. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 250.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 250.45 Td (Adjusted) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.11 254.98 Td (\(3\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.69 250.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.66 250.45 Td (EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.77 250.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.74 250.45 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.27 250.45 Td (123.5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.74 250.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.63 250.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.61 250.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.24 250.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.43 250.45 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.01 250.45 Td (down ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.21 250.45 Td (17%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.54 250.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.51 250.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.52 250.45 Td (-on-year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.83 250.45 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.31 250.45 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.50 250.45 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.50 250.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.82 250.45 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.90 250.45 Td (EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.01 250.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.98 250.45 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.51 250.45 Td (29.7) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 239.45 Td (million, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.76 239.45 Td (down ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.36 239.45 Td (5%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.69 239.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.06 239.45 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.87 239.45 Td (Q3 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.47 239.45 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.47 239.45 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.17 239.45 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.09 239.45 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.90 239.45 Td (expense ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.48 239.45 Td (used ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.18 239.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.33 239.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.92 239.45 Td (bond ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.29 239.45 Td (covenant ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.76 239.45 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.57 239.45 Td (coverage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.02 239.45 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.72 239.45 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.65 239.45 Td (reduced ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 540.67 239.45 Td (15% ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 228.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.01 228.45 Td (-on-year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.00 228.45 Td (\(following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.34 228.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.68 228.45 Td (USD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.81 228.45 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.94 228.45 Td (bond ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.07 228.45 Td (repayment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.39 228.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.96 228.45 Td (USD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.09 228.45 Td (2022 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.21 228.45 Td (bond ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.34 228.45 Td (buybacks\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.56 228.45 Td (bringing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.57 228.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.92 228.45 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.48 228.45 Td (coverage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 540.69 228.45 Td (ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 217.45 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.28 217.45 Td (2.4x ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.28 217.45 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.22 217.45 Td (2.5x ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.22 217.45 Td (last ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.60 217.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.26 217.45 Td (. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 202.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 202.45 Td (Profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.00 202.45 Td (after ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.55 202.45 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.99 202.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.88 202.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.32 202.45 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.66 202.45 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.43 202.45 Td (up ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.66 202.45 Td (6%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.99 202.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.22 202.45 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.22 202.45 Td (-on-year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.32 202.45 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.76 202.45 Td (28.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.49 202.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.38 202.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.61 202.45 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 374.27 202.45 Td (26.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.00 202.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.89 202.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.12 202.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.12 202.45 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.35 202.45 Td (\(which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.34 202.45 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.12 202.45 Td (impacted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 549.00 202.45 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 191.45 Td (FX ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.28 191.45 Td (losses\).) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 176.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 176.45 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.36 176.45 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.25 176.45 Td (increased ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.92 176.45 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.84 176.45 Td (2.9%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.67 176.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.60 176.45 Td (during ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.62 176.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.76 176.45 Td (fourth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.12 176.45 Td (quarter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.36 176.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 318.05 176.45 Td (578.9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.48 176.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.37 176.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.29 176.45 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.54 176.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.79 176.45 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.71 176.45 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.71 176.45 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.71 176.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.13 176.45 Td (driven ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.60 176.45 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.38 176.45 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.41 176.45 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 160.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 160.45 Td (Overall ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.78 160.45 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.68 160.45 Td (NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.21 160.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.00 160.45 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.12 160.45 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.13 160.45 Td (20.7%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.96 160.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.75 160.45 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.87 160.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.00 160.45 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.79 160.45 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.67 160.45 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.67 160.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.46 160.45 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 314.79 160.45 Td (24.9%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.62 160.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.41 160.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.86 160.45 Td (online\), ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.48 160.45 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.70 160.45 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.27 160.45 Td (19.4%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.10 160.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.89 160.45 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.02 160.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.14 160.45 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.93 160.45 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 148.45 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.00 148.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.50 148.45 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.83 148.45 Td (22.0%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.66 148.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 126.16 148.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.32 148.45 Td (online\), ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.65 148.45 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.92 148.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.64 148.45 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.89 148.45 Td (partly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.72 148.45 Td (due ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.66 148.45 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.94 148.45 Td (lower ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.21 148.45 Td (new ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.37 148.45 Td (issuance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.74 148.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.02 148.45 Td (H2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.74 148.45 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.24 148.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.52 148.45 Td (certain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 465.22 148.45 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 509.38 148.45 Td (products.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 132.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 132.45 Td (Overall ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.61 132.45 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.35 132.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.30 132.45 Td (risk ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.93 132.45 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.11 132.45 Td (17.1%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.94 132.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.56 132.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.85 132.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.69 132.45 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.92 132.45 Td (stable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.88 132.45 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.93 132.45 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.33 132.45 Td (17.7%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.16 132.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.79 132.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.19 132.45 Td (2018. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.32 132.45 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.83 132.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.68 132.45 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.30 132.45 Td (business ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.82 132.45 Td (it ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.00 132.45 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.18 132.45 Td (27.5%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 120.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 86.44 120.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.43 120.45 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.82 120.45 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.02 120.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.58 120.45 Td (24.0%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.41 120.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.19 120.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 224.74 120.45 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.74 120.45 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.02 120.45 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.24 120.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.60 120.45 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.48 120.45 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.37 120.45 Td (it ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.70 120.45 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.03 120.45 Td (4.6%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.86 120.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.64 120.45 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.08 120.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.08 120.45 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.46 120.45 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.66 120.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.22 120.45 Td (8.0%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.05 120.45 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.83 120.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.39 120.45 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.39 120.45 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 543.46 120.45 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 108.45 Td (improvement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.82 108.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.10 108.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.63 108.45 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.24 108.45 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.85 108.45 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.68 108.45 Td (reflects ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.60 108.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.32 108.45 Td (normalisation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.81 108.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.64 108.45 Td (asset ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.58 108.45 Td (quality ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.85 108.45 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.13 108.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.84 108.45 Td (bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.06 108.45 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.45 108.45 Td (Romanian ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.06 108.45 Td (portfolio. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 64.5 81.95000000000005 m 164.5 81.95000000000005 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 7.80 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 69.10 Td (Notes: ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.31 69.10 Td (\(1\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.36 69.10 Td (Online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.54 69.10 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.88 69.10 Td (customers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.46 69.10 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.27 69.10 Td (open ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.39 69.10 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.80 69.10 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 252.45 69.10 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.92 69.10 Td (either ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.62 69.10 Td (current ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.66 69.10 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.11 69.10 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.58 69.10 Td (up ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.33 69.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.34 69.10 Td (30 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.09 69.10 Td (days ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.34 69.10 Td (past ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.85 69.10 Td (due) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.95 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.90 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 77.85 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.80 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.75 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.70 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.65 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.60 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.55 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.50 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.45 59.75 Td (\(2\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.50 59.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.45 59.75 Td (Operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.58 59.75 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.13 59.75 Td (\(excluding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.44 59.75 Td (D&A\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.32 59.75 Td (divided ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.66 59.75 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.41 59.75 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.82 59.75 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.73 59.75 Td (\(revenue\)) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 50.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.95 50.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.90 50.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 77.85 50.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.80 50.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.75 50.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.70 50.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.65 50.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.60 50.40 Td ( ) Tj ET Q q 0.25882352941176473 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Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 733.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 733.60 Td (Continued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.40 733.60 Td (progress ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.01 733.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.52 733.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.46 733.60 Td (near) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.47 733.60 Td (-prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.86 733.60 Td (segment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.91 733.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.42 733.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.37 733.60 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.09 733.60 Td (business, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.22 733.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 384.72 733.60 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.46 733.60 Td (issuance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.06 733.60 Td (nearly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.78 733.60 Td (double ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.73 733.60 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.45 733.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.51 733.60 Td (2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 722.60 Td (Successful ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.41 722.60 Td (new ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.71 722.60 Td (product ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.89 722.60 Td (launch ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.19 722.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.61 722.60 Td (Latvia ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.79 722.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.21 722.60 Td (December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 281.89 722.60 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.03 722.60 Td (new ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.33 722.60 Td (scorecard ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.28 722.60 Td (introduced ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.68 722.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.10 722.60 Td (Spain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.51 722.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.93 722.60 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.66 722.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.73 722.60 Td (product ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 522.92 722.60 Td (upgrades ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 711.60 Td (implemented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 126.71 711.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.99 711.60 Td (Lithuania ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.81 711.60 Td (post ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.98 711.60 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.68 711.60 Td (end.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 696.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 696.60 Td (At ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.50 696.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.22 696.60 Td (end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.16 696.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.00 696.60 Td (2019, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.00 696.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.72 696.60 Td (near) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.72 696.60 Td (-prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.88 696.60 Td (segment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.71 696.60 Td (\(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.13 696.60 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.75 696.60 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.36 696.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.30 696.60 Td (online\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.12 696.60 Td (represented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.71 696.60 Td (48% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.54 696.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.38 696.60 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.10 696.60 Td (receivables, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.07 696.60 Td (up ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.57 696.60 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 561.51 696.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 685.60 Td (41% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.83 685.60 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.55 685.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.26 685.60 Td (end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.20 685.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.03 685.60 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 670.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 670.60 Td (Successfully ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 126.06 670.60 Td (adapting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.02 670.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.31 670.60 Td (new ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.49 670.60 Td (regulation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.55 670.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.85 670.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.58 670.60 Td (Nordics ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.76 670.60 Td (& ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.06 670.60 Td (Baltics ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.35 670.60 Td (region, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.91 670.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.21 670.60 Td (encouraging ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.15 670.60 Td (customer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.33 670.60 Td (reception ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.05 670.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.34 670.60 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 659.60 Td (products, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.44 659.60 Td (including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.71 659.60 Td (optional ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.99 659.60 Td (service ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.80 659.60 Td (fees, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.90 659.60 Td (introduced ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.16 659.60 Td (alongside ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.99 659.60 Td (regulation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 368.03 659.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.31 659.60 Td (Latvia ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.35 659.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.63 659.60 Td (July ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.80 659.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.74 659.60 Td (Finland ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.79 659.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.07 659.60 Td (September) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.28 659.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 644.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 644.60 Td (Ongoing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.74 644.60 Td (migration ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.37 644.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.44 644.60 Td (single ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.07 644.60 Td (payment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.25 644.60 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.21 644.60 Td (customers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.50 644.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.02 644.60 Td (products ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.20 644.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.72 644.60 Td (more ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.01 644.60 Td (flexible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.30 644.60 Td (repayment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.24 644.60 Td (terms, ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.70 644.60 Td (e.g.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.14 644.60 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 503.88 644.60 Td ('minimum-to-) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 633.60 Td (pay' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.98 633.60 Td (lines ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.62 633.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.69 633.60 Td (credit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.20 633.60 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.27 633.60 Td (shorter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.84 633.60 Td (-term ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.24 633.60 Td ('mini' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.92 633.60 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 281.33 633.60 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.18 633.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.70 633.60 Td (maturities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 368.44 633.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.51 633.60 Td (under ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.02 633.60 Td (12 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.77 633.60 Td (months. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.46 633.60 Td (Single ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.76 633.60 Td (payment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.94 633.60 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 541.79 633.60 Td (now ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 622.60 Td (represent ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.15 622.60 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.42 622.60 Td (18%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.75 622.60 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.25 622.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.08 622.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.80 622.60 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.13 622.60 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.52 622.60 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.24 622.60 Td (receivables, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.21 622.60 Td (down ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.93 622.60 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.87 622.60 Td (24% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.70 622.60 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.53 622.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.36 622.60 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.86 622.60 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.44 622.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.44 622.60 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 607.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 607.60 Td (Focus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.87 607.60 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.86 607.60 Td (unit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.40 607.60 Td (economics ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.14 607.60 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.78 607.60 Td (traditional ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.87 607.60 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.51 607.60 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.60 607.60 Td (across ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.57 607.60 Td (all ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.55 607.60 Td (markets. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.69 607.60 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.34 607.60 Td (Armenia, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.81 607.60 Td (switched ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.34 607.60 Td (focus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.98 607.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.74 607.60 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.95 607.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.71 607.60 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.68 607.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 596.60 Td (credit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.29 596.60 Td (product; ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.15 596.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.46 596.60 Td (Poland, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.27 596.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.02 596.60 Td (more ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.09 596.60 Td (conservative ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.16 596.60 Td (underwriting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.34 596.60 Td (approach ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.52 596.60 Td (adopted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.71 596.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.01 596.60 Td (mid-2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.43 596.60 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.63 596.60 Td (delivering ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.71 596.60 Td (improved ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.56 596.60 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 585.60 Td (quality; ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.05 585.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.33 585.60 Td (Spain, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.11 585.60 Td (focusing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.05 585.60 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.55 585.60 Td (near) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.55 585.60 Td (-prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.71 585.60 Td (segment.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 570.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 570.60 Td (Progress ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.87 570.60 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.30 570.60 Td (funding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.84 570.60 Td (diversification ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.02 570.60 Td (projects, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.61 570.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.81 570.60 Td (further ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.45 570.60 Td (sales ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.32 570.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.07 570.60 Td (Polish ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.51 570.60 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.60 570.60 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.14 570.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.17 570.60 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.70 570.60 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.24 570.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.45 570.60 Td (Q4, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.60 570.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 528.80 570.60 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 549.00 570.60 Td (3 ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 559.60 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.39 559.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.22 559.60 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.94 559.60 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.98 559.60 Td (transferred ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.79 559.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.06 559.60 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.56 559.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.50 559.60 Td (work ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.55 559.60 Td (underway ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.48 559.60 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.64 559.60 Td (passport ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.47 559.60 Td (application ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.40 559.60 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.56 559.60 Td (Lithuania.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 521.60 Td (Oyvind ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.50 521.60 Td (Oanes, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.49 521.60 Td (CEO ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.99 521.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.82 521.60 Td (4finance, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.24 521.60 Td (commented: ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 493.60 Td ("In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 51.33 493.60 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.36 493.60 Td (2019, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.67 493.60 Td (we ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.58 493.60 Td (deliver) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.97 493.60 Td (ed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.22 493.60 Td (another ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.13 493.60 Td (quarter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.94 493.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.97 493.60 Td (inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.48 493.60 Td (est ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.40 493.60 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.08 493.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.66 493.60 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.24 493.60 Td (100 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.04 493.60 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.18 493.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.78 493.60 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.58 493.60 Td (EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.84 493.60 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.65 493.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.23 493.60 Td (30 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.04 493.60 Td (million. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.68 493.60 Td (These ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 481.60 Td (solid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.63 481.60 Td (r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.15 481.60 Td (esults ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 86.10 481.60 Td (complete ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.37 481.60 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.55 481.60 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.49 481.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.45 481.60 Td (consistent ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.62 481.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.80 481.60 Td (stable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.86 481.60 Td (financial ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.59 481.60 Td (performance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.86 481.60 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.48 481.60 Td (4finance. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.59 481.60 Td (W) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.00 481.60 Td (e ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.62 481.60 Td (have ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.67 481.60 Td (been ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 444.72 481.60 Td (particularly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.67 481.60 Td (pleased ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.40 481.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 546.80 481.60 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 469.60 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.26 469.60 Td (gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.78 469.60 Td (owth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.71 469.60 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.98 469.60 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.46 469.60 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.49 469.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.75 469.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.45 469.60 Td (fourth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.39 469.60 Td (quarter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.28 469.60 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.26 469.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.75 469.60 Td (together ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.56 469.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.27 469.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.97 469.60 Td (key ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.77 469.60 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 369.24 469.60 Td (markets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.39 469.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.65 469.60 Td (Poland, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.52 469.60 Td (Spain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.78 469.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.27 469.60 Td (Denmark, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.46 469.60 Td (these ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 457.60 Td (businesses ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.72 457.60 Td (have ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.10 457.60 Td (anchor) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.06 457.60 Td (ed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.00 457.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.39 457.60 Td (financial ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.44 457.60 Td (performance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.04 457.60 Td (thr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.34 457.60 Td (oughout ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.62 457.60 Td (2019.) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 433.60 Td ("In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.56 433.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.81 433.60 Td (past ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.51 433.60 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.17 433.60 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.70 433.60 Td (we ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.84 433.60 Td (have ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.74 433.60 Td (made ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.43 433.60 Td (significant ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.69 433.60 Td (pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.21 433.60 Td (ogr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.73 433.60 Td (ess ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.98 433.60 Td (both ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.79 433.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.60 433.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.52 433.60 Td (traditional ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.33 433.60 Td (business ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 369.25 433.60 Td (lines ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.17 433.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.20 433.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.01 433.60 Td (br) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.53 433.60 Td (oadening ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 464.78 433.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.70 433.60 Td (Eur) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.33 433.60 Td (opean ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.80 433.60 Td (franchise ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 421.60 Td (into ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.13 421.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.91 421.60 Td (near) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.04 421.60 Td (-prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.27 421.60 Td (segment, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.11 421.60 Td (which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.57 421.60 Td (now ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.81 421.60 Td (r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.33 421.60 Td (epr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.29 421.60 Td (esents ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.30 421.60 Td (nearly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.41 421.60 Td (50% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.31 421.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.66 421.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.12 421.60 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.47 421.60 Td (portfolio. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.54 421.60 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.44 421.60 Td (successfully ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.78 421.60 Td (adapting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.90 421.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.37 421.60 Td (pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 503.89 421.60 Td (oducts ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.56 421.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.91 421.60 Td (new ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 409.60 Td (r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.52 409.60 Td (egulations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.65 409.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.90 409.60 Td (Latvia ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.92 409.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.38 409.60 Td (Finland ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.51 409.60 Td (we ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.09 409.60 Td (changed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.43 409.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.79 409.60 Td (marketing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.80 409.60 Td (appr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.32 409.60 Td (oach, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.73 409.60 Td (incorporated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.41 409.60 Td (pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.93 409.60 Td (oduct ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.61 409.60 Td (featur) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.13 409.60 Td (es ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.92 409.60 Td (fr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 467.22 409.60 Td (om ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.91 409.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.27 409.60 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.84 409.60 Td (markets, ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 397.60 Td (br) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.52 397.60 Td (ought ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.64 397.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.76 397.60 Td (new ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.21 397.60 Td (technology ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.42 397.60 Td (suppliers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.43 397.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.77 397.60 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.44 397.60 Td (above ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.66 397.60 Td (all ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.55 397.60 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.22 397.60 Td (focused ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.11 397.60 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.45 397.60 Td (addr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 314.97 397.60 Td (essing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.31 397.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.87 397.60 Td (needs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.98 397.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.10 397.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.33 397.60 Td (customers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.22 397.60 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.45 397.60 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.79 397.60 Td (r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.31 397.60 Td (esponsible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.87 397.60 Td (lender) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.31 397.60 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 547.15 397.60 Td (W) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 554.56 397.60 Td (e ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 385.60 Td (ar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.52 385.60 Td (e ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.90 385.60 Td (now ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.50 385.60 Td ('live' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.15 385.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.31 385.60 Td (near) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.44 385.60 Td (-prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.04 385.60 Td (pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.56 385.60 Td (oducts ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.60 385.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.32 385.60 Td (half ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.81 385.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.52 385.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.35 385.60 Td (Eur) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.98 385.60 Td (opean ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.35 385.60 Td (markets, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.45 385.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.39 385.60 Td (this, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.27 385.60 Td (combined ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.08 385.60 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.25 385.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.40 385.60 Td (ability ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.89 385.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.60 385.60 Td (access ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.64 385.60 Td (deposit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 528.46 385.60 Td (funding ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 373.60 Td (via ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.72 373.60 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.22 373.60 Td (Bank, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.76 373.60 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.16 373.60 Td (laid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.21 373.60 Td (significant ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.93 373.60 Td (foundations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.66 373.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.94 373.60 Td (build ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.00 373.60 Td (fr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.29 373.60 Td (om ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.02 373.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.29 373.60 Td (2020.) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 349.60 Td ("The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.14 349.60 Td (scale ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.62 349.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.56 349.60 Td (r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.08 349.60 Td (esilience ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.00 349.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.72 349.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.55 349.60 Td (business, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.88 349.60 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.71 349.60 Td (well ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.31 349.60 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.14 349.60 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.97 349.60 Td (disciplined ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.79 349.60 Td (appr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.31 349.60 Td (oach ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.69 349.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.41 349.60 Td (allocating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.90 349.60 Td (capital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.61 349.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.55 349.60 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.49 349.60 Td (prudently ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.75 349.60 Td (managed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.35 349.60 Td (balance ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 337.60 Td (sheet, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.90 337.60 Td (position ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.98 337.60 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.27 337.60 Td (well ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.79 337.60 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.32 337.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.39 337.60 Td (futur) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.47 337.60 Td (e. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.26 337.60 Td (W) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.67 337.60 Td (e ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.97 337.60 Td (believe ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.13 337.60 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 273.21 337.60 Td (experience ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.36 337.60 Td (we ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.33 337.60 Td (have ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.06 337.60 Td (gained ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.13 337.60 Td (fr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.43 337.60 Td (om ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.51 337.60 Td (evaluating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.58 337.60 Td (fifty ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.98 337.60 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.17 337.60 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 529.02 337.60 Td (lending ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 325.60 Td (decisions ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.47 325.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.72 325.60 Td (issuing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.32 325.60 Td (mor) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.06 325.60 Td (e ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.75 325.60 Td (than ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.78 325.60 Td (7 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.04 325.60 Td (billion ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.40 325.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.43 325.60 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.46 325.60 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.71 325.60 Td (decade ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.28 325.60 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.31 325.60 Td (fully ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.34 325.60 Td (digital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.70 325.60 Td (end-to-end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.27 325.60 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.41 325.60 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.66 325.60 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.58 325.60 Td (unparalleled ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.94 325.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.19 325.60 Td (puts ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.11 325.60 Td (us ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 313.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.28 313.60 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.78 313.60 Td (unique ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.50 313.60 Td (position ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.22 313.60 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.50 313.60 Td (adapt ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.78 313.60 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.28 313.60 Td (gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.80 313.60 Td (ow ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.97 313.60 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.25 313.60 Td (evolving ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.62 313.60 Td (markets.") Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 553.50 28.40 Td (3) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 790.25 Td (Contacts) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 760.42 Td (Contact:) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.00 760.42 Td (James Etherington, Head of Investor Relations) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 745.42 Td (Email:) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.00 745.42 Td (james.etherington@4finance.com / ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 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474.98 642.25 Td (Q&A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.65 642.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.64 642.25 Td (session, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 534.02 642.25 Td (please ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 630.25 Td (note ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 55.46 630.25 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.70 630.25 Td (name ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.60 630.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.28 630.25 Td (institution ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.08 630.25 Td (details ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.43 630.25 Td (provided ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.22 630.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.24 630.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.70 630.25 Td (call ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.37 630.25 Td (registration ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.16 630.25 Td (process ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.39 630.25 Td (may ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.85 630.25 Td (appear ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.74 630.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.76 630.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.22 630.25 Td (transcript ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.23 630.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.80 630.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.26 630.25 Td (conference ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.35 630.25 Td (call ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 544.03 630.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 618.25 Td (will ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.06 618.25 Td (be ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.00 618.25 Td (made ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.15 618.25 Td (available ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.74 618.25 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.46 618.25 Td (www) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.47 618.25 Td (.4finance.com/investors.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 591.25 Td (About ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 63.51 591.25 Td (4finance) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 567.25 Td (Established ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.60 567.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.88 567.25 Td (2008, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.88 567.25 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.81 567.25 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.98 567.25 Td (one ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.91 567.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.74 567.25 Td (Europe) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.40 567.25 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.79 567.25 Td (lar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.16 567.25 Td (gest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.77 567.25 Td (digital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.82 567.25 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.19 567.25 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.69 567.25 Td (groups ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.41 567.25 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.69 567.25 Td (operations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.84 567.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 467.12 567.25 Td (14 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.62 567.25 Td (countries. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 543.25 Td (Leveraging ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.86 543.25 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.63 543.25 Td (high ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.74 543.25 Td (degree ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.71 543.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.37 543.25 Td (automation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.69 543.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.46 543.25 Td (data-driven ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.32 543.25 Td (insights ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.77 543.25 Td (across ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.08 543.25 Td (all ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.41 543.25 Td (aspects ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.62 543.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.27 543.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.82 543.25 Td (business, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.54 543.25 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.29 543.25 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.95 543.25 Td (grown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 528.83 543.25 Td (rapidly) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 556.51 543.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 531.25 Td (issuing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.84 531.25 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.11 531.25 Td (7 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.61 531.25 Td (billion ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.22 531.25 Td (since ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.27 531.25 Td (inception ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.98 531.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.26 531.25 Td (single ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.65 531.25 Td (payment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.58 531.25 Td (loans, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.69 531.25 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.85 531.25 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.46 531.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.39 531.25 Td (lines ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.78 531.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.61 531.25 Td (credit.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 507.25 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.32 507.25 Td (operates ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.53 507.25 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.86 507.25 Td (portfolio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.75 507.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.98 507.25 Td (market ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.63 507.25 Td (leading ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.96 507.25 Td (brands, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.02 507.25 Td (through ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.02 507.25 Td (which, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.85 507.25 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.08 507.25 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.41 507.25 Td (responsible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.85 507.25 Td (lender) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.44 507.25 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.83 507.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.94 507.25 Td (firm ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.05 507.25 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 465.20 507.25 Td (fers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.09 507.25 Td (simple, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.15 507.25 Td (convenient ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 495.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.94 495.25 Td (transparent ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.86 495.25 Td (products ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.80 495.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.08 495.25 Td (millions ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.36 495.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.19 495.25 Td (customers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.24 495.25 Td (who ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.96 495.25 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.67 495.25 Td (typically ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.16 495.25 Td (underserved ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.53 495.25 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.03 495.25 Td (conventional ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.18 495.25 Td (providers. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 471.25 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.14 471.25 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.18 471.25 Td (group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.23 471.25 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.38 471.25 Td (fices ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.97 471.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.46 471.25 Td (Riga ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.06 471.25 Td (\(Latvia\), ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.48 471.25 Td (London, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.80 471.25 Td (Luxembour) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.28 471.25 Td (g ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.99 471.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.15 471.25 Td (Miami, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.03 471.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.18 471.25 Td (currently ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 409.99 471.25 Td (operates ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.02 471.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.51 471.25 Td (12 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.23 471.25 Td (countries ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.60 471.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.09 471.25 Td (Europe ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.68 471.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 459.25 Td (well ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.40 459.25 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.91 459.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.17 459.25 Td (Ar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.54 459.25 Td (gentina ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.16 459.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.78 459.25 Td (Mexico. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.78 459.25 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.51 459.25 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.24 459.25 Td (also ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.53 459.25 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.68 459.25 Td (fers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.86 459.25 Td (deposits, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.32 459.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.28 459.25 Td (addition ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 353.23 459.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.19 459.25 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.25 459.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.88 459.25 Td (SME ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.62 459.25 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.91 459.25 Td (through ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.20 459.25 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.60 459.25 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 537.89 459.25 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 447.25 Td (subsidiary) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.46 447.25 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.46 447.25 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.40 447.25 Td (EU ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.23 447.25 Td (licensed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.49 447.25 Td (institution ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.55 447.25 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.83 447.25 Td (operations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.99 447.25 Td (primarily ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.70 447.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.98 447.25 Td (Bulgaria ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.91 447.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.85 447.25 Td (Romania.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 423.25 Td (Forward ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 74.62 423.25 Td (looking ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 108.24 423.25 Td (statements) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 399.25 Td (Certain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.83 399.25 Td (statements ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.44 399.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.61 399.25 Td (this ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.45 399.25 Td (document ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.28 399.25 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.89 399.25 Td (forward-looking ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.26 399.25 Td (statements. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.49 399.25 Td (These ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.76 399.25 Td (statements ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.37 399.25 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.97 399.25 Td (based ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.13 399.25 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.53 399.25 Td (management) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 522.39 399.25 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.68 399.25 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 387.25 Td (expectations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.61 387.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.69 387.25 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.53 387.25 Td (subject ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.49 387.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.90 387.25 Td (uncertainty ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.52 387.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.59 387.25 Td (changes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.43 387.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.84 387.25 Td (circumstances. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.04 387.25 Td (Actual ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.33 387.25 Td (results ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.07 387.25 Td (may ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.92 387.25 Td (dif) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.85 387.25 Td (fer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.58 387.25 Td (materially ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.75 387.25 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.82 387.25 Td (those ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.57 387.25 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 375.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.28 375.25 Td (these ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.33 375.25 Td (statements. ) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 351.25 Td (Rounding ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 327.25 Td (Some ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.69 327.25 Td (numerical ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.59 327.25 Td (figures ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.27 327.25 Td (included ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.62 327.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.31 327.25 Td (this ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.68 327.25 Td (report ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.47 327.25 Td (have ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.26 327.25 Td (been ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.05 327.25 Td (subject ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.29 327.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.99 327.25 Td (rounding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.01 327.25 Td (adjustments. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.56 327.25 Td (Accordingly) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.89 327.25 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.31 327.25 Td (numerical ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.20 327.25 Td (figures ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.89 327.25 Td (shown ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 315.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.90 315.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.36 315.25 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.15 315.25 Td (category ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.81 315.25 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.37 315.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.39 315.25 Td (dif) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.32 315.25 Td (ferent ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.87 315.25 Td (tables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.44 315.25 Td (may ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.90 315.25 Td (vary ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.91 315.25 Td (slightly) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.26 315.25 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.00 315.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.68 315.25 Td (numerical ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 368.91 315.25 Td (figures ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.92 315.25 Td (shown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.27 315.25 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.84 315.25 Td (totals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.75 315.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.77 315.25 Td (certain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.21 315.25 Td (tables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.78 315.25 Td (may ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 546.23 315.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 303.25 Td (be ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.94 303.25 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 59.88 303.25 Td (arithmetic ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.91 303.25 Td (aggregation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.62 303.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.45 303.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.16 303.25 Td (figures ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.43 303.25 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.93 303.25 Td (precede ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.51 303.25 Td (them.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 279.25 Td (Inside ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 64.06 279.25 Td (information) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 258.25 Td (This announcement contains inside information as stipulated under the Market ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.04 258.25 Td (Abuse Regulation.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 553.50 28.40 Td (4) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 790.25 Td (Key ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 54.05 790.25 Td (Financial ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 97.11 790.25 Td (Ratios) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 736.75 m 365 736.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369 736.75 m 422 736.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426 736.75 m 486 736.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426 736.75 m 486 736.75 l s BT /F2 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.95 761.43 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.28 761.43 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.87 761.43 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 314.75 753.43 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.00 745.43 Td (2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 374.95 761.43 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.28 761.43 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.87 761.43 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.75 753.43 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.00 745.43 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.45 761.43 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.34 761.43 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.30 761.43 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.25 753.43 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.50 745.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 722.43 Td (Capitalisation) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 707.42 Td (Net receivables \(m\), ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.35 711.95 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.55 707.42 Td (of which:) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.65 707.87 Td (578.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.65 707.87 Td (553.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 707.87 Td (591.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 692.42 Td (- Principal) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.65 692.87 Td (548.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.65 692.87 Td (521.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 692.87 Td (556.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 677.42 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.05 677.42 Td (Accrued interest) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.65 677.87 Td (30.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.65 677.87 Td (31.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.65 677.87 Td (34.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 662.42 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.26 662.42 Td (otal assets \(m\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.65 662.87 Td (973.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.65 662.87 Td (992.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.15 662.87 Td (1,026.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 647.42 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.91 647.42 Td (otal equity \(m\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.65 647.87 Td (165.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.65 647.87 Td (156.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 647.87 Td (189.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 632.42 Td (Equity / assets ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.77 636.95 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 632.87 Td (17.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 632.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 632.87 Td (15.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 632.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 632.87 Td (18.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 632.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 617.42 Td (Equity / net receivables ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.13 621.95 Td (\(3\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 617.87 Td (28.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 617.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 617.87 Td (28.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 617.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 617.87 Td (32.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 617.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 602.42 Td (Adjusted interest coverage ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.63 606.95 Td (\(4\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.00 602.87 Td (2.2x) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.00 602.87 Td (2.4x) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.00 602.87 Td (2.2x) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 587.42 Td (TBI Bank consolidated capital adequacy ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.16 591.95 Td (\(5\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 587.87 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 587.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 587.87 Td (22.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 587.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 587.87 Td (23.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 587.87 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 566.43 Td (Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.96 566.43 Td (ofitability) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 551.42 Td (Net interest mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.74 551.42 Td (gin: ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.79 555.95 Td (\(6\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 536.42 Td (- Online) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 536.87 Td (81.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 536.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 536.87 Td (88.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 536.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 536.87 Td (66.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 536.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 521.42 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.24 521.42 Td (TBI Bank) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 521.87 Td (24.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 521.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 521.87 Td (26.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 521.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 521.87 Td (26.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 521.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 506.42 Td (- Overall group) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 506.87 Td (54.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 506.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 506.87 Td (63.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 506.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 506.87 Td (54.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 506.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 491.42 Td (Cost / income ratio ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.38 495.95 Td (\(7\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 491.87 Td (51.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 491.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 491.87 Td (52.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 491.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 491.87 Td (57.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 491.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 476.42 Td (Post-provision operating profit mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.69 476.42 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.96 480.95 Td (\(8\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 476.87 Td (15.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 476.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 476.87 Td (17.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 476.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 476.87 Td (14.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 476.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 461.42 Td (Normalised Profit before tax mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 252.05 461.42 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.33 465.95 Td (\(9\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 461.87 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.65 461.87 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 461.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 461.87 Td (15.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 461.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 461.87 Td (12.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 461.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 446.42 Td (Normalised Return on average equity ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.95 450.95 Td (\(10\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 446.87 Td (15.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 446.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 446.87 Td (31.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 446.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 446.87 Td (15.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 446.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 431.42 Td (Normalised Return on average assets ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.29 435.95 Td (\(1) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.46 435.95 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.65 431.87 Td (2.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 431.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.65 431.87 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 431.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.65 431.87 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 431.87 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 409.43 Td (Asset quality) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 394.42 Td (Cost of risk: ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.45 398.95 Td (\(12\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 379.42 Td (- Online) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 379.87 Td (27.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 379.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 379.87 Td (24.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 379.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 379.87 Td (20.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 379.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 364.42 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.24 364.42 Td (TBI Bank) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.65 364.87 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 364.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.65 364.87 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 364.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.65 364.87 Td (3.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 364.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 349.42 Td (- Overall group) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 349.87 Td (17.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 349.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 349.87 Td (17.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 349.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 349.87 Td (15.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 349.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 334.42 Td (Net impairment / interest income ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.18 338.95 Td (\(13\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 334.87 Td (29.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 334.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 334.87 Td (25.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 334.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 334.87 Td (24.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 334.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 319.42 Td (Gross NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.86 319.42 Td ( ratio: ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.96 323.95 Td (\(14\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 304.42 Td (- Online) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 304.87 Td (24.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 304.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 304.87 Td (22.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 304.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 304.87 Td (33.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 304.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 289.42 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.24 289.42 Td (TBI Bank) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 289.87 Td (16.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 289.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 289.87 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 289.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 289.87 Td (12.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 289.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 274.42 Td (- Overall group) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.65 274.87 Td (20.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 274.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.65 274.87 Td (19.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 274.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 274.87 Td (26.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 274.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.50 259.42 Td (Overall group NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.34 259.42 Td ( coverage ratio) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.75 263.95 Td (\(15\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.65 259.87 Td (102.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.15 259.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 384.60 259.87 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.60 259.87 Td (10.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 259.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 259.87 Td (83.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.15 259.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 64.5 244.75 m 164.5 244.75 l s BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 231.65 Td (Definitions ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.00 231.65 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.55 231.65 Td (Notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.21 231.65 Td (below) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.24 231.65 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.24 231.65 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.36 231.65 Td (further ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.12 231.65 Td (definitions ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.34 231.65 Td (please ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.33 231.65 Td (see ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.54 231.65 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.32 231.65 Td (appendix. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.64 231.65 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.75 231.65 Td (quarterly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.63 231.65 Td (asset ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.18 231.65 Td (quality ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.40 231.65 Td (ratios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.17 231.65 Td (please ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.16 231.65 Td (see ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.38 231.65 Td (page ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.48 231.65 Td (18.) Tj ET Q BT /F1 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 222.05 Td (Normalised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.28 222.05 Td (ratios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.02 222.05 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.74 222.05 Td (adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.36 222.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.54 222.05 Td (remove ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.49 222.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.22 222.05 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.29 222.05 Td (fect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.24 222.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.86 222.05 Td (non-recurring ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.80 222.05 Td (items, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.09 222.05 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.82 222.05 Td (FX ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.01 222.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.52 222.05 Td (one-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.25 222.05 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.88 222.05 Td (adjustments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.05 222.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.24 222.05 Td (intangible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.19 222.05 Td (assets, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.81 222.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.32 222.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.61 222.05 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 523.57 222.05 Td (ratios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 543.30 222.05 Td (only) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 557.00 222.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 212.45 Td (adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.66 212.45 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.88 212.45 Td (reflect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.31 212.45 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.08 212.45 Td (opening ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.86 212.45 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.28 212.45 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.95 212.45 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.95 212.45 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.37 212.45 Td (sheet ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.81 212.45 Td (after ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.46 212.45 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.36 212.45 Td (9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.36 212.45 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.43 212.45 Td (fects.) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 203.10 Td (\(1\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 203.10 Td (Gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.12 203.10 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.62 203.10 Td (\(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.11 203.10 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.78 203.10 Td (interest\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.76 203.10 Td (less ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.88 203.10 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.26 203.10 Td (provisions. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.13 203.10 Td (Note ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.72 203.10 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 353.84 203.10 Td (reduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.72 203.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.21 203.10 Td (write-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.19 203.10 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.21 203.10 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.56 203.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.08 203.10 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.00 203.10 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.89 203.10 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.81 203.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.73 203.10 Td (January ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 543.41 203.10 Td (2018 ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 193.75 Td (reduces ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.27 193.75 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.82 193.75 Td (values ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.69 193.75 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.71 193.75 Td (comparison ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.05 193.75 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.87 193.75 Td (prior ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.98 193.75 Td (years) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 184.35 Td (\(2\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 184.35 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.72 184.35 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.37 184.35 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.81 184.35 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.93 184.35 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.74 184.35 Td (assets) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 175.00 Td (\(3\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 175.00 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.72 175.00 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.37 175.00 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.81 175.00 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.93 175.00 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.41 175.00 Td (customer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.95 175.00 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.97 175.00 Td (\(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.98 175.00 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.18 175.00 Td (interest\)) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 165.65 Td (\(4\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 165.65 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.61 165.65 Td (EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.78 165.65 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.73 165.65 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.85 165.65 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.75 165.65 Td (expense) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 156.30 Td (\(5\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 156.30 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.59 156.30 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.58 156.30 Td (\(T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.67 156.30 Td (ier ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.42 156.30 Td (One ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.94 156.30 Td (Capital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.99 156.30 Td (+ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.81 156.30 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.30 156.30 Td (ier ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.94 156.30 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.16 156.30 Td (wo ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.21 156.30 Td (Capital\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.86 156.30 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.56 156.30 Td (Risk ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.39 156.30 Td (weighted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.50 156.30 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.22 156.30 Td (\(calculated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.96 156.30 Td (according ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.23 156.30 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.82 156.30 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.88 156.30 Td (prevailing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.03 156.30 Td (regulations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.21 156.30 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.23 156.30 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.28 156.30 Td (Bulgarian ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.57 156.30 Td (National ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.95 156.30 Td (Bank\)) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 146.95 Td (\(6\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 146.95 Td (Annualised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.98 146.95 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.45 146.95 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.36 146.95 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.27 146.95 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.39 146.95 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.58 146.95 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 233.00 146.95 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.38 146.95 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.05 146.95 Td (\(for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.69 146.95 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.24 146.95 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.45 146.95 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.00 146.95 Td (ratios\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.88 146.95 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.33 146.95 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.35 146.95 Td (\(for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.99 146.95 Td (2017 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.54 146.95 Td (ratios\)) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 137.55 Td (\(7\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 137.55 Td (Operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.64 137.55 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.19 137.55 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.30 137.55 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.71 137.55 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.62 137.55 Td (\(revenue\)) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 128.20 Td (\(8\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 128.20 Td (Post-provision ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.95 128.20 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.36 128.20 Td (profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.64 128.20 Td (\(which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.25 128.20 Td (does ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.49 128.20 Td (not ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.41 128.20 Td (include ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.32 128.20 Td (non-recurring ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.15 128.20 Td (items, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.94 128.20 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.42 128.20 Td (FX ) Tj ET Q q 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0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.84 750.50 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.56 750.50 Td (below ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.29 750.50 Td (sets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.58 750.50 Td (out ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.65 750.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.15 750.50 Td (condensed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.65 750.50 Td (consolidated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.48 750.50 Td (statement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.09 750.50 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.71 750.50 Td (profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.22 750.50 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.84 750.50 Td (loss ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.69 750.50 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.64 750.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.15 750.50 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 750.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.09 750.50 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.83 750.50 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.34 750.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.63 750.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.00 750.50 Td (2019) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 738.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.33 738.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.21 738.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.18 738.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.18 738.50 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.15 738.50 Td (Additional ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.82 738.50 Td (reference ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.89 738.50 Td (information ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.98 738.50 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.87 738.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.98 738.50 Td (historic ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.86 738.50 Td (quarterly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.84 738.50 Td (development ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 413.38 738.50 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.59 738.50 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.81 738.50 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.13 738.50 Td (statement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.34 738.50 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.90 738.50 Td (shown ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 726.50 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.08 726.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.60 726.50 Td (appendix. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.06 726.50 Td (Please ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.92 726.50 Td (note ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.44 726.50 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.74 726.50 Td (non-recurring, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.52 726.50 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.04 726.50 Td (FX ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.13 726.50 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.87 726.50 Td (D&A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.54 726.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.84 726.50 Td (items ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.81 726.50 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.33 726.50 Td (shown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.74 726.50 Td (lower ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.82 726.50 Td (down ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 413.34 726.50 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.43 726.50 Td (better ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.50 726.50 Td (reflect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.33 726.50 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.40 726.50 Td (results.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 703 m 391.5 703 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 703 m 395.5 703 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 703 m 458.5 703 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 703 m 462.5 703 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 703 m 526.5 703 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 679 m 391.5 679 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 679 m 458.5 679 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 679 m 526.5 679 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 679 m 391.5 679 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 624 m 391.5 624 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 395.5 624 m 458.5 624 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 462.5 624 m 526.5 624 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 568 m 391.5 568 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 395.5 568 m 458.5 568 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 462.5 568 m 526.5 568 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 540 m 391.5 540 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 395.5 540 m 458.5 540 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 462.5 540 m 526.5 540 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 512 m 391.5 512 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 395.5 512 m 458.5 512 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 462.5 512 m 526.5 512 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 512 m 391.5 512 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 395.5 512 m 458.5 512 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 462.5 512 m 526.5 512 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 442 m 391.5 442 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 395.5 442 m 458.5 442 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 462.5 442 m 526.5 442 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 395.5 442 m 458.5 442 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 414 m 391.5 414 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 414 m 458.5 414 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 414 m 526.5 414 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.05 707.40 Td (12 months to 31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.00 694.40 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.00 694.40 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.95 682.40 Td (\(unaudited\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.15 682.40 Td (\(r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.06 682.40 Td (estated\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 682.40 Td (% change) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.85 670.40 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 416.61 670.40 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.11 670.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 657.26 Td ( Interest Income) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.15 656.57 Td (423.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.15 656.57 Td (475.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.30 656.62 Td (\(1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.63 656.62 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 656.57 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 643.26 Td ( Interest Expense) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.80 642.62 Td (\(56.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.65 642.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.80 642.62 Td (\(62.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 642.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.30 642.62 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 642.57 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 629.40 Td ( Net Inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.40 629.40 Td (est Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.15 628.73 Td (367.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.15 628.73 Td (413.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.30 628.78 Td (\(1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.63 628.78 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.65 628.73 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 615.26 Td ( Net F&C Income) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 614.57 Td (9.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.15 614.57 Td (9.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.30 614.62 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 614.57 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 601.26 Td ( Other operating income) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 600.57 Td (8.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.15 600.57 Td (9.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.30 600.62 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 600.57 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 587.40 Td ( Non-Inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.66 587.40 Td (est Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.15 586.73 Td (18.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.15 586.73 Td (18.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.30 586.78 Td (\(4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.65 586.73 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 573.40 Td ( Operating Income \(Revenue\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.15 572.73 Td (385.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.15 572.73 Td (431.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.30 572.78 Td (\(1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.63 572.78 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.65 572.73 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 559.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.17 559.40 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.68 559.40 Td (otal operating costs) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.80 558.78 Td (\(197.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.65 558.73 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 428.80 558.78 Td (\(224.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 558.73 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.30 558.78 Td (\(12) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.65 558.73 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 545.40 Td ( Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.66 545.40 Td (e-pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.49 545.40 Td (ovision operating pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.83 545.40 Td (ofit) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.15 544.73 Td (187.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.15 544.73 Td (207.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.30 544.78 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.65 544.73 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 531.26 Td ( Net impairment char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.64 531.26 Td (ges) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.80 530.62 Td (\(122.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.65 530.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 428.80 530.62 Td (\(122.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 530.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.65 530.57 Td (0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.65 530.57 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 517.40 Td ( Post-pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 86.58 517.40 Td (ovision operating pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.93 517.40 Td (ofit) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.15 516.73 Td (64.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.15 516.73 Td (84.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.30 516.78 Td (\(24) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.65 516.73 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 503.26 Td ( Depreciation and amortisation) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.80 502.62 Td (\(16.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.65 502.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.80 502.62 Td (\(1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.13 502.62 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 502.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.00 502.57 Td (+39) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.65 502.57 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 489.26 Td ( Non-recurring income/\(expense\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.80 488.62 Td (\(0.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.65 488.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.80 488.62 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 488.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.00 488.57 Td (+68) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.65 488.57 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 475.26 Td ( Net FX gain/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 474.57 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.80 474.62 Td (\(12.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 474.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.20 474.57 Td (nm) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 461.26 Td ( One-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.58 461.26 Td (f adjustments to intangible assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.80 460.62 Td (\(1.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.65 460.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.80 460.62 Td (\(6.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 460.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.30 460.62 Td (\(78) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 460.57 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 447.40 Td ( Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.66 447.40 Td (ofit befor) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.23 447.40 Td (e tax) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.15 446.73 Td (50.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.15 446.73 Td (52.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.30 446.78 Td (\(4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.65 446.73 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 433.26 Td ( Income tax expense*) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.80 432.62 Td (\(22.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.65 432.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.80 432.62 Td (\(26.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.65 432.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.30 432.62 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 432.57 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 419.40 Td ( Net pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.83 419.40 Td (ofit/\(loss\) after) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.89 419.40 Td ( tax) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.15 418.73 Td (28.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.15 418.73 Td (26.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.95 418.73 Td (+6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.00 418.73 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 7.80 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 393.15 Td (* ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 41.85 393.15 Td (see ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.76 393.15 Td (note ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.14 393.15 Td (about ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.42 393.15 Td (Corporate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.55 393.15 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.46 393.15 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.94 393.15 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.99 393.15 Td (details ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.30 393.15 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.74 393.15 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.29 393.15 Td (restatement ) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 369.15 Td (Interest ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 70.17 369.15 Td (income) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 345.15 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.05 345.15 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.98 345.15 Td (below ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.92 345.15 Td (shows ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.42 345.15 Td (key ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.36 345.15 Td (drivers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.63 345.15 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.46 345.15 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.39 345.15 Td (income, ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.83 345.15 Td (i.e.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.04 345.15 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.54 345.15 Td (business ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.94 345.15 Td (volumes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.32 345.15 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.26 345.15 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.20 345.15 Td (rates.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 310.65 m 391.5 310.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 310.65 m 395.5 310.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 310.65 m 458.5 310.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 310.65 m 462.5 310.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 310.65 m 526.5 310.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 298.65 m 391.5 298.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 298.65 m 458.5 298.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 298.65 m 526.5 298.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 298.65 m 391.5 298.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 298.65 m 458.5 298.65 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.05 314.05 Td (12 months to 31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.00 302.05 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.00 302.05 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 302.05 Td (% change) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 289.33 Td (Online lending) Tj ET Q BT /F3 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.30 288.88 Td (\(in millions of , except percentages\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 275.22 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.76 275.22 Td (otal value of loan principal issued) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.00 275.22 Td (1,015.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.00 275.22 Td (1,209.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.95 275.22 Td (\(16) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 275.22 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 262.22 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.85 262.22 Td (verage net receivables, of which:) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.50 262.22 Td (278.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.50 262.22 Td (299.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.95 262.22 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 262.22 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.00 249.22 Td (- Principal) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.50 249.22 Td (254.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.50 249.22 Td (276.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.00 235.22 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.55 235.22 Td (Accrued interest) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.50 235.22 Td (24.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.50 235.22 Td (22.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 221.22 Td (Annualised interest income yield on net portfolio ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.12 225.75 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.65 221.22 Td (134) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.65 221.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.65 221.22 Td (145) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.65 221.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 207.22 Td (Interest income from online lending) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.50 207.22 Td (340.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.50 207.22 Td (400.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.95 207.22 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.30 207.22 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 191.33 Td (Banking operations) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 177.22 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.48 177.22 Td (verage net receivables, of which:) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.50 177.22 Td (287.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.50 177.22 Td (241.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.65 177.22 Td (+19) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.65 177.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.00 164.22 Td (- Principal) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.50 164.22 Td (280.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.50 164.22 Td (236.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.00 151.22 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.28 151.22 Td (Accrued interest) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.50 151.22 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.50 151.22 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 138.22 Td (Annualised interest income yield on net portfolio ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.12 142.75 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.65 138.22 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.65 138.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.65 138.22 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.65 138.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 125.22 Td (Interest income from banking operations ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.23 129.75 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.50 125.22 Td (83.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.50 125.22 Td (75.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.65 125.22 Td (+1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 509.29 125.22 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.65 125.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 111.64999999999998 m 154.5 111.64999999999998 l s BT /F1 10.00 Tf ET BT /F1 7.80 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.00 98.80 Td (Notes: ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.31 98.80 Td (\(1\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.07 98.80 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.27 98.80 Td (ields ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.95 98.80 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.42 98.80 Td (based ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.13 98.80 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.88 98.80 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.79 98.80 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.70 98.80 Td (divided ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.04 98.80 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.79 98.80 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.99 98.80 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.47 98.80 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.85 98.80 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.52 98.80 Td (only) Tj ET Q BT /F1 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.50 86.20 Td (\(2\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.83 86.20 Td (See ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.38 86.20 Td (appendix ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.70 86.20 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.03 86.20 Td (full ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.00 86.20 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.88 86.20 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.77 86.20 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.32 86.20 Td (statement ) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 553.50 30.90 Td (6) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 792.10 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.49 792.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.43 792.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.59 792.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.31 792.10 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.92 792.10 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.98 792.10 Td (423.9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.98 792.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.87 792.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.88 792.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.82 792.10 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.45 792.10 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.78 792.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.28 792.10 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.20 792.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.13 792.10 Td (with) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.40 792.10 Td (475.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.41 792.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.30 792.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.80 792.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.97 792.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.69 792.10 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.34 792.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.85 792.10 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.80 792.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 780.10 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 48.78 780.10 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.64 780.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.64 780.10 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.91 780.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.49 780.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.81 780.10 Td (reduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.35 780.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.90 780.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.11 780.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.32 780.10 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.54 780.10 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.31 780.10 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.08 780.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.41 780.10 Td (15%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.74 780.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.01 780.10 Td (reflecting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.10 780.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.09 780.10 Td (7%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.42 780.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.20 780.10 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.39 780.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.94 780.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.93 780.10 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 768.10 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.03 768.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.86 768.10 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.58 768.10 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.05 768.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.99 768.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.93 768.10 Td (lower ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.20 768.10 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 224.78 768.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.71 768.10 Td (yield.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 744.10 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.99 744.10 Td (Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 77.88 744.10 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.66 744.10 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.63 744.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.95 744.10 Td (rates ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.71 744.10 Td (decreased ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.01 744.10 Td (slightly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.90 744.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.21 744.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.88 744.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.98 744.10 Td (prior ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.31 744.10 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.40 744.10 Td (period. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.33 744.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.22 744.10 Td (Its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.10 744.10 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.87 744.10 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.75 744.10 Td (\(cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.73 744.10 Td (lending, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.12 744.10 Td (point-) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 732.10 Td (of-sale ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.53 732.10 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.84 732.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.60 732.10 Td (credit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.68 732.10 Td (cards\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.42 732.10 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.07 732.10 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.48 732.10 Td (product ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.83 732.10 Td (APRs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 273.49 732.10 Td (between ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.13 732.10 Td (20% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.77 732.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.53 732.10 Td (50% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.18 732.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.94 732.10 Td (SME ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.82 732.10 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.24 732.10 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.34 732.10 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.74 732.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.49 732.10 Td (rates ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.69 732.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 720.10 Td (approximately ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.64 720.10 Td (8-14% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 126.17 720.10 Td (p.a.. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.78 720.10 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.77 720.10 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.75 720.10 Td (also ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.74 720.10 Td (generates ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.37 720.10 Td (separate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.00 720.10 Td (income, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 318.81 720.10 Td (which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.13 720.10 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.68 720.10 Td (reported ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.87 720.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.52 720.10 Td (either ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 428.17 720.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.26 720.10 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.68 720.10 Td (fee ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.77 720.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.08 720.10 Td (commission) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 545.01 720.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 708.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.94 708.10 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.32 708.10 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.58 708.10 Td (income) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.60 708.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.10 708.10 Td (lines.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 684.10 Td (Interest ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 70.17 684.10 Td (expense) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 660.10 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.55 660.10 Td (expense ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.31 660.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.53 660.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.31 660.10 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.98 660.10 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.03 660.10 Td (56.8 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.09 660.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.98 660.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.04 660.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.04 660.10 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.01 660.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.90 660.10 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.23 660.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.79 660.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.78 660.10 Td (with) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.06 660.10 Td (62.1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.12 660.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.01 660.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.57 660.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.79 660.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.57 660.10 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.22 660.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.78 660.10 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.79 660.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 648.10 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.39 648.10 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.87 648.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.87 648.10 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.67 648.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.61 648.10 Td (lower ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.77 648.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.60 648.10 Td (expense ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.20 648.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.25 648.10 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.87 648.10 Td (reflects ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.69 648.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.30 648.10 Td (first ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.80 648.10 Td (full ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.08 648.10 Td (quarter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.79 648.10 Td (following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.07 648.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.68 648.10 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.01 648.10 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.30 648.10 Td (repayment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.89 648.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.62 648.10 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.46 648.10 Td (remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 636.10 Td ($68 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.96 636.10 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.80 636.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.09 636.10 Td (USD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.05 636.10 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.00 636.10 Td (bonds ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.85 636.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.93 636.10 Td (August ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.78 636.10 Td (2019. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.02 636.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.52 636.10 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.70 636.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.09 636.10 Td (expense ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.25 636.10 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.88 636.10 Td (also ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.94 636.10 Td (mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.31 636.10 Td (ginally ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 413.04 636.10 Td (reduced ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.64 636.10 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.59 636.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.77 636.10 Td (impact ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.93 636.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.22 636.10 Td (buying ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 624.10 Td (back ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.38 624.10 Td ($5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.88 624.10 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.27 624.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.10 624.10 Td (USD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.60 624.10 Td (2022 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.10 624.10 Td (bonds ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.50 624.10 Td (below ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.43 624.10 Td (par ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.70 624.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.98 624.10 Td (October) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.64 624.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 600.10 Td (Non-interest ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 90.17 600.10 Td (income) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 576.10 Td (Non-interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.91 576.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.28 576.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.87 576.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.01 576.10 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.49 576.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.97 576.10 Td (18.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.40 576.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.29 576.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.72 576.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.08 576.10 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.41 576.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.34 576.10 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.68 576.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.04 576.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 368.74 576.10 Td (18.7 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.17 576.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.06 576.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.99 576.10 Td (reported ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.24 576.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.83 576.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.97 576.10 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.63 576.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.56 576.10 Td (months ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 564.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.90 564.10 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.59 564.10 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.36 564.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.36 564.10 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.55 564.10 Td (However) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.80 564.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.99 564.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.89 564.10 Td (fourth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.02 564.10 Td (quarter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.02 564.10 Td (showed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.26 564.10 Td (strong ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.94 564.10 Td (seasonal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.51 564.10 Td (growth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.52 564.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.54 564.10 Td (15%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.87 564.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.56 564.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 464.67 564.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.13 564.10 Td (third ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.71 564.10 Td (quarter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.47 564.10 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 529.46 564.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 552.10 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.14 552.10 Td (fee ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.27 552.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.63 552.10 Td (commission ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.89 552.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.25 552.10 Td (generated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.03 552.10 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.81 552.10 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.85 552.10 Td (Bank, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.38 552.10 Td (primarily ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.51 552.10 Td (fees ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.53 552.10 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.89 552.10 Td (insurance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.13 552.10 Td (sales ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.49 552.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.19 552.10 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.57 552.10 Td (customers, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 464.54 552.10 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.01 552.10 Td (relatively ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.69 552.10 Td (stable ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 540.10 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.01 540.10 Td (-on-year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 86.32 540.10 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.32 540.10 Td (Other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.59 540.10 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.85 540.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.79 540.10 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.96 540.10 Td (mainly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.23 540.10 Td (derived ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.72 540.10 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.66 540.10 Td (related ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.36 540.10 Td (party ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.40 540.10 Td (loans.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 516.10 Td (T) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 41.19 516.10 Td (otal ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 59.25 516.10 Td (operating ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 101.20 516.10 Td (costs) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 492.10 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 41.41 492.10 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.58 492.10 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.51 492.10 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.68 492.10 Td (reported ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.17 492.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.00 492.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.38 492.10 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.66 492.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.26 492.10 Td (197.9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.93 492.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.82 492.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.49 492.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.10 492.10 Td (12%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.43 492.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.60 492.10 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.19 492.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.78 492.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.73 492.10 Td (224.8 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.40 492.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.29 492.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.46 492.10 Td (reported ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.95 492.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.78 492.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 480.10 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.66 480.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.18 480.10 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.15 480.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.90 480.10 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.42 480.10 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.03 480.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.03 480.10 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 213.80 480.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.87 480.10 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.88 480.10 Td (-on-year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.27 480.10 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.21 480.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.52 480.10 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.04 480.10 Td (reflects ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.99 480.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.96 480.10 Td (focus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.14 480.10 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.67 480.10 Td (marketing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.73 480.10 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.32 480.10 Td (ficiency) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 522.87 480.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 528.90 480.10 Td (cost ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 468.10 Td (discipline ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.56 468.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.68 468.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.58 468.10 Td (results ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.37 468.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.39 468.10 Td (strategic ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.94 468.10 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.73 468.10 Td (initiatives. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.35 468.10 Td (Costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.27 468.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.60 468.10 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.39 468.10 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.19 468.10 Td (increased ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.62 468.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.08 468.10 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.76 468.10 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.22 468.10 Td (business ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.79 468.10 Td (growth. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.31 468.10 Td (Due ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.65 468.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.11 468.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.01 468.10 Td (adoption ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 456.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.81 456.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.30 456.10 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.91 456.10 Td (16 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.39 456.10 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.21 456.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.02 456.10 Td (January ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.60 456.10 Td (2019, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.59 456.10 Td (rent ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.62 456.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.54 456.10 Td (utilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.03 456.10 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.51 456.10 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.20 456.10 Td (reduced ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.33 456.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.82 456.10 Td (4.4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.80 456.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.69 456.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.18 456.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.44 456.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 374.14 456.10 Td (Period. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.13 456.10 Td (These ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.49 456.10 Td (expenses ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 467.07 456.10 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.76 456.10 Td (now ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.47 456.10 Td (reclassified ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 444.10 Td (within ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.06 444.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.99 444.10 Td (expense ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.70 444.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.03 444.10 Td (0.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.03 444.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.92 444.10 Td (\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.75 444.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.69 444.10 Td (depreciation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.61 444.10 Td (& ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.88 444.10 Td (amortisation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.38 444.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.71 444.10 Td (4.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.71 444.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.60 444.10 Td (\).) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 420.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.94 420.10 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.77 420.10 Td (below ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.61 420.10 Td (sets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.00 420.10 Td (out ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.18 420.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.01 420.10 Td (breakdown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.84 420.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.57 420.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.18 420.10 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.51 420.10 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.80 420.10 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.97 420.10 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.13 420.10 Td (costs. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.02 420.10 Td (Depreciation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.06 420.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.90 420.10 Td (amortisation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.28 420.10 Td (amounts ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.57 420.10 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.17 420.10 Td (shown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.68 420.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 408.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 42.94 408.10 Td (separate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.19 408.10 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.69 408.10 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.19 408.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.90 408.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.84 408.10 Td (statement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.66 408.10 Td (so ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.05 408.10 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 224.54 408.10 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.81 408.10 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.31 408.10 Td (better ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.57 408.10 Td (reflect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.60 408.10 Td (actual ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.98 408.10 Td (cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.25 408.10 Td (costs.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 371.6 m 455.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 371.6 m 459.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 371.6 m 526.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 360.6 m 455.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 360.6 m 526.5 360.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 389.5 179.60000000000002 m 455.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 166.60000000000002 m 455.5 166.60000000000002 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 459.5 179.60000000000002 m 526.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 166.60000000000002 m 526.5 166.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 114.60000000000002 m 455.5 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 114.60000000000002 m 526.5 114.60000000000002 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.55 376.05 Td (12 months to 31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.00 363.68 Td (2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.00 363.68 Td (2018) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.35 352.00 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 481.11 352.00 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.61 352.00 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 338.17 Td (Personnel costs) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.15 338.17 Td (96.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.15 338.17 Td (103.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 324.17 Td (Marketing and sponsorship) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.15 324.17 Td (39.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.15 324.17 Td (43.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 310.17 Td (IT) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.35 310.17 Td ( expenses \(including R&D\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.15 309.27 Td (18.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.15 309.27 Td (21.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 295.17 Td (Legal and consulting) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 294.27 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.15 294.27 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.15 294.27 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 280.17 Td (Application processing costs) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 280.17 Td (6.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.15 280.17 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 266.17 Td (Debt collection costs) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 266.17 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.15 266.17 Td (6.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 252.17 Td (Bank services) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 252.17 Td (4.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.15 252.17 Td (4.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 238.17 Td (Communication expenses) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 238.17 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.15 238.17 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 224.17 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.76 224.17 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 224.17 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.15 224.17 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 210.17 Td (Rent and utilities) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 210.17 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.15 210.17 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 196.17 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.76 196.17 Td (ravel) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 196.17 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.15 196.17 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 183.17 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 183.17 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.15 183.17 Td (10.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 170.33 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.75 170.33 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.15 170.33 Td (197.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.15 170.33 Td (224.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 144.17 Td (Of which:) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 131.17 Td (TBI Bank) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.15 131.17 Td (46.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.15 131.17 Td (41.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 118.17 Td (4finance online) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.84 118.17 Td ( business) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.15 118.17 Td (151.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.15 118.17 Td (182.9) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 91.10 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 51.49 91.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.31 91.10 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.96 91.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.56 91.10 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.61 91.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.54 91.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.14 91.10 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.14 91.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.74 91.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.77 91.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.77 91.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.87 91.10 Td (marketing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.01 91.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.05 91.10 Td (sponsorship ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.43 91.10 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.03 91.10 Td (accounted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 369.16 91.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.42 91.10 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.75 91.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.35 91.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.39 91.10 Td (19%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.72 91.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.32 91.10 Td (respectively) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.98 91.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.08 91.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.12 91.10 Td (personnel ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 79.10 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.68 79.10 Td (accounted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.90 79.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.25 79.10 Td (49%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.58 79.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.26 79.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.38 79.10 Td (46%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.71 79.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.90 79.10 Td (respectively) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.56 79.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.74 79.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.76 79.10 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.22 79.10 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.67 79.10 Td (costs. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.66 79.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.89 79.10 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.68 79.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.14 79.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.26 79.10 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 428.27 79.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.62 79.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.52 79.10 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.31 79.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.55 79.10 Td (51.4%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.38 79.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.56 79.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 67.10 Td (improvement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.61 67.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.34 67.10 Td (52.1%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.17 67.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.46 67.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.53 67.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.53 67.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.32 67.10 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.39 67.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.90 67.10 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.42 67.10 Td (quarterly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.80 67.10 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.20 67.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.27 67.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.00 67.10 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.61 67.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.23 67.10 Td (51% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.86 67.10 Td (reflecting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.46 67.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.19 67.10 Td (seasonal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.36 67.10 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.40 67.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.47 67.10 Td (marketing ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 55.10 Td (spend.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 553.50 30.90 Td (7) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 792.25 Td (Pre-provision ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 94.61 792.25 Td (operating ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 136.56 792.25 Td (profit) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 768.25 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.41 768.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.14 768.25 Td (reasons ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.65 768.25 Td (stated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.49 768.25 Td (above, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.39 768.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.12 768.25 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.45 768.25 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.86 768.25 Td (pre-provision ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.25 768.25 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.53 768.25 Td (profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.27 768.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.44 768.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.18 768.25 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.80 768.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.87 768.25 Td (187.1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.89 768.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.78 768.25 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.80 768.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.75 768.25 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.08 768.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.60 768.25 Td (decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 756.25 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 77.92 756.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.20 756.25 Td (207.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.20 756.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.09 756.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.59 756.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.75 756.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.47 756.25 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.13 756.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.63 756.25 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.57 756.25 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.29 756.25 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.79 756.25 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.38 756.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.38 756.25 Td (. ) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 732.25 Td (Net ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 52.94 732.25 Td (impairment ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 103.22 732.25 Td (charges ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 137.94 732.25 Td (on ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 151.00 732.25 Td (loans ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 175.74 732.25 Td (and ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 193.80 732.25 Td (receivables) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 710.25 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.76 710.25 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.19 710.25 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.21 710.25 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.87 710.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.85 710.25 Td (the ) Tj ET Q q 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0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.86 710.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.18 710.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.17 710.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.71 710.25 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.36 710.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.69 710.25 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.46 710.25 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.00 710.25 Td (31 ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 698.25 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.44 698.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.44 698.25 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.29 698.25 Td (Gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 126.97 698.25 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.42 698.25 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.45 698.25 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.13 698.25 Td (were ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.91 698.25 Td (significantly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.25 698.25 Td (reduced ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.25 698.25 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.03 698.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.16 698.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 374.72 698.25 Td (prior ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.51 698.25 Td (period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.91 698.25 Td (partly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.59 698.25 Td (due ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 465.38 698.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.51 698.25 Td (lower ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.63 698.25 Td (origination. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 686.25 Td (However ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.79 686.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.15 686.25 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.51 686.25 Td (gains ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 126.76 686.25 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.34 686.25 Td (portfolio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.47 686.25 Td (sales ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.05 686.25 Td (were ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.62 686.25 Td (also ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.87 686.25 Td (significantly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 299.00 686.25 Td (down ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.37 686.25 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.37 686.25 Td (-on-year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.38 686.25 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.85 686.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.21 686.25 Td (volume ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.35 686.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.82 686.25 Td (sales ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 465.40 686.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.32 686.25 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.46 686.25 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.15 686.25 Td (greater) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.50 686.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 673.05 Td (particularly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.59 673.05 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.53 673.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.24 673.05 Td (written ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.07 673.05 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.22 673.05 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.05 673.05 Td (portfolio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.54 673.05 Td (post ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.71 673.05 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.34 673.05 Td (9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.84 673.05 Td (adoption.) Tj ET Q BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 291.33 673.05 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 649.05 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.86 649.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.60 649.05 Td (fourth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.57 649.05 Td (quarter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.49 649.05 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.51 649.05 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.16 649.05 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.78 649.05 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.81 649.05 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.67 649.05 Td (were ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.62 649.05 Td (relatively ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.91 649.05 Td (stable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 314.76 649.05 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.51 649.05 Td (37.8 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.54 649.05 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.96 649.05 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.91 649.05 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.22 649.05 Td (37.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.25 649.05 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.67 649.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 509.97 649.05 Td (Q3, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.22 649.05 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 637.05 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.86 637.05 Td (improved ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.60 637.05 Td (level ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.45 637.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.20 637.05 Td (debt ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.83 637.05 Td (sales ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.68 637.05 Td (bringing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.99 637.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 213.62 637.05 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.26 637.05 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.77 637.05 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.80 637.05 Td (ge ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.65 637.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.85 637.05 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.49 637.05 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.68 637.05 Td (30.5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.60 637.05 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.49 637.05 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.41 637.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.26 637.05 Td (reduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.44 637.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.19 637.05 Td (1.4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.11 637.05 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.42 637.05 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.27 637.05 Td (Q3. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 625.05 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.13 625.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.15 625.05 Td (prior ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.39 625.05 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.39 625.05 Td (period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.04 625.05 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.95 625.05 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.86 625.05 Td (saw ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.21 625.05 Td (elevated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.32 625.05 Td (provisions ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.79 625.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.37 625.05 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 299.62 625.05 Td (Romanian ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.52 625.05 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.20 625.05 Td (portfolio, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.49 625.05 Td (but ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.07 625.05 Td (this ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.32 625.05 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.67 625.05 Td (addressed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.90 625.05 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 613.05 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.50 613.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.44 613.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.16 613.05 Td (current ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.97 613.05 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.02 613.05 Td (provisioning ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.07 613.05 Td (reflects ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.00 613.05 Td (more ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.04 613.05 Td (normal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.87 613.05 Td (levels.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 574.55 m 461.5 574.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 574.55 m 465.5 574.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 574.55 m 533.5 574.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 574.55 m 461.5 574.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 563.55 m 461.5 563.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 574.55 m 533.5 574.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 563.55 m 533.5 563.55 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 393.5 508.55 m 461.5 508.55 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 465.5 508.55 m 533.5 508.55 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 393.5 508.55 m 461.5 508.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 494.55 m 461.5 494.55 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 465.5 508.55 m 533.5 508.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 494.55 m 533.5 494.55 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.05 579.00 Td (12 months to 31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.00 566.63 Td (2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.00 566.63 Td (2018) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.85 554.95 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 486.61 554.95 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.11 554.95 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.00 541.12 Td (Impairment char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.27 541.12 Td (ges on loans) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.15 541.12 Td (148.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.15 541.12 Td (178.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.00 527.12 Td (Over provision on debt portfolio \(portfolio sale net gains\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.80 527.17 Td (\(12.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.65 527.12 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.80 527.17 Td (\(36.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 529.65 527.12 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.00 513.12 Td (Recovery from written-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.56 513.12 Td (f loans) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.80 513.17 Td (\(13.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.65 513.12 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.80 513.17 Td (\(19.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 529.65 513.12 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.00 499.28 Td (Net impairment charges) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.15 499.23 Td (122.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.15 499.23 Td (122.9) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 471.05 Td (Overall ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.44 471.05 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.12 471.05 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.68 471.05 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.71 471.05 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.50 471.05 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.04 471.05 Td (29%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.37 471.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.83 471.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.62 471.05 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.51 471.05 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.40 471.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.52 471.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 348.20 471.05 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.27 471.05 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.17 471.05 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.38 471.05 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.28 471.05 Td (26%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.61 471.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.07 471.05 Td (last ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.41 471.05 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.07 471.05 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.78 471.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.78 471.05 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 459.05 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.84 459.05 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.87 459.05 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.94 459.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.34 459.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.30 459.05 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.04 459.05 Td (business ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.68 459.05 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.84 459.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.37 459.05 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.19 459.05 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.93 459.05 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.79 459.05 Td (receivables, ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.00 459.05 Td (i.e. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.96 459.05 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.81 459.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 444.89 459.05 Td (risk, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 465.13 459.05 Td (increased ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.63 459.05 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.15 459.05 Td (28%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 534.48 459.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 537.22 459.05 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 447.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 51.31 447.05 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.50 447.05 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.03 447.05 Td (24%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.36 447.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.45 447.05 Td (last ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.43 447.05 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.08 447.05 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.45 447.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.09 447.05 Td (increased ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.93 447.05 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.13 447.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.55 447.05 Td (risk ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.64 447.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.51 447.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.81 447.05 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.90 447.05 Td (business ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.88 447.05 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.64 447.05 Td (partly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.06 447.05 Td (related ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.35 447.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.22 447.05 Td (lower ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.07 447.05 Td (origination ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.05 447.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 523.91 447.05 Td (some ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 435.05 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.16 435.05 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.88 435.05 Td (products ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.82 435.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.09 435.05 Td (H2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.82 435.05 Td (2019, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.82 435.05 Td (resulting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 224.31 435.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.59 435.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.53 435.05 Td (lower ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.80 435.05 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 299.83 435.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.66 435.05 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.13 435.05 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.85 435.05 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.55 435.05 Td (end.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 411.05 Td (Net ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 52.94 411.05 Td (FX ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 68.78 411.05 Td (gain/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 390.05 Td (Foreign ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.82 390.05 Td (exchange ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.29 390.05 Td (movements ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.11 390.05 Td (resulted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.49 390.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.98 390.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.14 390.05 Td (gain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.07 390.05 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.12 390.05 Td (4.8 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.33 390.05 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.22 390.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.94 390.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.32 390.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.25 390.05 Td (Period. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.57 390.05 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.62 390.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.55 390.05 Td (prior ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.71 390.05 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.63 390.05 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.89 390.05 Td (there ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.60 390.05 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.86 390.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.02 390.05 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.95 390.05 Td (FX ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 529.45 390.05 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 378.05 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.83 378.05 Td (12.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.83 378.05 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.72 378.05 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.54 378.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.59 378.05 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.64 378.05 Td (monitors ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.70 378.05 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.64 378.05 Td (currency ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.12 378.05 Td (positions ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.74 378.05 Td (actively ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.89 378.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.83 378.05 Td (hedges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.10 378.05 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.81 378.05 Td (exposures ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.30 378.05 Td (where ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.23 378.05 Td (practical.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 357.05 Td (Non-recurring ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 99.07 357.05 Td (items ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 123.23 357.05 Td (and ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 141.29 357.05 Td (other ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 165.46 357.05 Td (adjustments) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 336.05 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.46 336.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.81 336.05 Td (fourth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.39 336.05 Td (quarter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.84 336.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.19 336.05 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.87 336.05 Td (reflected ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.98 336.05 Td (two ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.11 336.05 Td (non-recurring ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.22 336.05 Td (adjustments. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.63 336.05 Td (Following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.88 336.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.45 336.05 Td (decision ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.91 336.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.82 336.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.17 336.05 Td (quarter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.62 336.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.53 336.05 Td (exit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.66 336.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.01 336.05 Td (Slovakian ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 324.05 Td (market, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.19 324.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.34 324.05 Td (associated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.36 324.05 Td (1.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.79 324.05 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.62 324.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.88 324.05 Td (goodwill ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.36 324.05 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.62 324.05 Td (been ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.43 324.05 Td (fully ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.25 324.05 Td (impaired ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.72 324.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.09 324.05 Td (reflected ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.99 324.05 Td (within ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.48 324.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.62 324.05 Td ('one-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.34 324.05 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.60 324.05 Td (adjustments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.31 324.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.02 324.05 Td (intangible ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 312.05 Td (assets' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.17 312.05 Td (line. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.69 312.05 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.06 312.05 Td (Poland, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.37 312.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.18 312.05 Td (connection ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.09 312.05 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.90 312.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.37 312.05 Td (judgement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.62 312.05 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 273.65 312.05 Td (customer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.34 312.05 Td (early ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.36 312.05 Td (repayments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.49 312.05 Td (\(referenced ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.03 312.05 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.07 312.05 Td (page ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.98 312.05 Td (22\), ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.84 312.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 503.09 312.05 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.68 312.05 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 300.05 Td (booked ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.94 300.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.88 300.05 Td (provision ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.16 300.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.99 300.05 Td (0.7 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.99 300.05 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.38 300.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.66 300.05 Td (respect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.47 300.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.30 300.05 Td (potential ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.79 300.05 Td (incremental ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.49 300.05 Td (customer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.64 300.05 Td (claims ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 384.25 300.05 Td (expected ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.28 300.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.56 300.05 Td (2020.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 276.05 Td (Profit ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 62.39 276.05 Td (before ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 90.99 276.05 Td (tax) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 255.05 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.12 255.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.57 255.05 Td (reasons ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.80 255.05 Td (stated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.36 255.05 Td (above, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.97 255.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.42 255.05 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.75 255.05 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.87 255.05 Td (profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.32 255.05 Td (before ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.09 255.05 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.54 255.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.43 255.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.88 255.05 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.22 255.05 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.01 255.05 Td (50.5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.74 255.05 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.63 255.05 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.37 255.05 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.02 255.05 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.03 255.05 Td (52.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.77 255.05 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.66 255.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.89 255.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.78 255.05 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 243.05 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.66 243.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.16 243.05 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.10 243.05 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 126.82 243.05 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.32 243.05 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.90 243.05 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.90 243.05 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.72 243.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.77 243.05 Td (profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.49 243.05 Td (before ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.52 243.05 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.24 243.05 Td (mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.61 243.05 Td (gin ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.89 243.05 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.94 243.05 Td (12%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.27 243.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.77 243.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.93 243.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.64 243.05 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.75 243.05 Td (increasing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.35 243.05 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.29 243.05 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.91 243.05 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.24 243.05 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.74 243.05 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.02 243.05 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.02 243.05 Td (.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 220.25 Td (Corporate income tax) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 199.25 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.74 199.25 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.07 199.25 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.15 199.25 Td (corporate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.10 199.25 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.72 199.25 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.13 199.25 Td (expense ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.53 199.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.27 199.25 Td (22.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.96 199.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.85 199.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.05 199.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.90 199.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.31 199.25 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.11 199.25 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.72 199.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.69 199.25 Td (26.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.38 199.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.27 199.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.46 199.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.32 199.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.72 199.25 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.38 199.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.57 199.25 Td (months ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 187.25 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.96 187.25 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.71 187.25 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.54 187.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.54 187.25 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.59 187.25 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.88 187.25 Td (group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.96 187.25 Td (took ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.48 187.25 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.67 187.25 Td (more ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.96 187.25 Td (conservative ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.24 187.25 Td (approach ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.63 187.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.16 187.25 Td (deferred ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.21 187.25 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.17 187.25 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.25 187.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.78 187.25 Td (Poland ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 464.30 187.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.83 187.25 Td (Q4, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.29 187.25 Td (resulting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.04 187.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 540.56 187.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 175.25 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.53 175.25 Td (2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.84 175.25 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.04 175.25 Td (reduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.12 175.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.21 175.25 Td (Polish ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.53 175.25 Td (deferred ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.15 175.25 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.68 175.25 Td (assets. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.65 175.25 Td (This ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.74 175.25 Td (approach ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.70 175.25 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.57 175.25 Td (also ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.99 175.25 Td (retrospectively ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.72 175.25 Td (applied ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.46 175.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.55 175.25 Td (2018, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.36 175.25 Td (resulting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.67 175.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.76 175.25 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.51 175.25 Td (1.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 163.25 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.04 163.25 Td (reduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.96 163.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.44 163.25 Td (DT) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.96 163.25 Td (As ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.23 163.25 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.82 163.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.18 163.25 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.33 163.25 Td (year ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.69 163.25 Td (end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.28 163.25 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.96 163.25 Td (sheet. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.16 163.25 Td (Consequently) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.50 163.25 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.15 163.25 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.74 163.25 Td ('restated' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.59 163.25 Td (Income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.72 163.25 Td (Statement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.86 163.25 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.45 163.25 Td (Balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 522.80 163.25 Td (Sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 151.25 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.17 151.25 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.99 151.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.15 151.25 Td (2018.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 553.50 30.90 Td (8) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 792.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.05 792.10 Td (following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.43 792.10 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.37 792.10 Td (sets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.87 792.10 Td (out ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.15 792.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.08 792.10 Td (breakdown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.01 792.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.84 792.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.56 792.10 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.89 792.10 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.28 792.10 Td (corporate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.54 792.10 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.47 792.10 Td (tax. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 759.6 m 397.5 759.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 759.6 m 475.5 759.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 748.6 m 397.5 748.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 759.6 m 401.5 759.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 748.6 m 475.5 748.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323.5 708.6 m 397.5 708.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 401.5 708.6 m 475.5 708.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323.5 708.6 m 397.5 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 695.6 m 397.5 695.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 401.5 708.6 m 475.5 708.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 695.6 m 475.5 695.6 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 348.05 764.05 Td (12 months to 31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.00 751.68 Td (2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.00 751.68 Td (2018) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.85 740.00 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 422.61 740.00 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.11 740.00 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.00 726.17 Td (Current tax) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.15 726.17 Td (19.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.15 726.17 Td (30.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.00 712.17 Td (Deferred tax) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.15 712.17 Td (2.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.80 712.22 Td (\(4.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.65 712.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.00 699.33 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.75 699.33 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.15 699.33 Td (22.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.15 699.33 Td (26.0) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 672.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.05 672.10 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.63 672.10 Td (fective ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.34 672.10 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.05 672.10 Td (rate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.54 672.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.70 672.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.42 672.10 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.02 672.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.08 672.10 Td (44%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.41 672.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.41 672.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.33 672.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.61 672.10 Td (49%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.94 672.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.44 672.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.60 672.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.60 672.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 648.10 Td (Profit/\(loss\) ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 87.39 648.10 Td (for ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 102.11 648.10 Td (the ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 117.39 648.10 Td (period) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 624.10 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.10 624.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.53 624.10 Td (reasons ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.73 624.10 Td (stated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.27 624.10 Td (above, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.86 624.10 Td (profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.29 624.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.16 624.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 213.59 624.10 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.91 624.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.67 624.10 Td (28.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.39 624.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.28 624.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.99 624.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.63 624.10 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.62 624.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.27 624.10 Td (profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.69 624.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.24 624.10 Td (26.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.95 624.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.84 624.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.05 624.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.92 624.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.35 624.10 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 612.10 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.95 612.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.67 612.10 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.17 612.10 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.75 612.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.75 612.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 588.10 Td (Other ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 62.39 588.10 Td (financial ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 102.12 588.10 Td (data ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 122.40 588.10 Td ( ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 129.90 588.10 Td (EBITDA) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 166.58 588.10 Td ( ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 169.08 588.10 Td (and ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 186.77 588.10 Td (Adjusted ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 225.38 588.10 Td (EBITDA) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 528.6 m 358 528.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362 528.6 m 419 528.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 528.6 m 480 528.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 528.6 m 358 528.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362 528.6 m 419 528.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 528.6 m 480 528.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 301 443.6 m 358 443.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362 443.6 m 419 443.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 443.6 m 480 443.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 301 443.6 m 358 443.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362 443.6 m 419 443.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 443.6 m 480 443.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 411.6 m 358 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362 411.6 m 419 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 411.6 m 480 411.6 l s BT /F2 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.95 553.28 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.28 553.28 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.87 553.28 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.75 545.28 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.00 537.28 Td (2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.95 553.28 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.28 553.28 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.87 553.28 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.75 545.28 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.00 537.28 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.95 553.28 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.84 553.28 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.80 553.28 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.75 545.28 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.00 537.28 Td (2017) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.85 520.00 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 416.61 520.00 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.11 520.00 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.50 505.17 Td (Profit for the period) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.65 505.17 Td (28.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.65 505.17 Td (28.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.30 505.22 Td (\(16.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.15 505.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 90.50 491.17 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.65 491.17 Td (22.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.65 491.17 Td (26.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 491.17 Td (27.6) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 90.50 477.17 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.65 477.17 Td (56.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.65 477.17 Td (62.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 477.17 Td (61.9) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 90.50 463.17 Td (Depreciation and amortisation) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.65 463.17 Td (16.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.65 463.17 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.65 463.17 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.65 463.17 Td (9.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.50 449.33 Td (EBITDA) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.65 449.33 Td (123.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.65 449.33 Td (128.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 449.33 Td (81.7) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 90.50 433.27 Td (Adjustments) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.30 434.22 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 348.15 434.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.65 434.17 Td (22.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 434.17 Td (53.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.50 419.33 Td (Adjusted EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.69 419.33 Td ( ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.19 423.86 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.65 417.83 Td (123.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.65 417.83 Td (148.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.65 417.83 Td (135.4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 340.6 m 355.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 340.6 m 417.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 340.6 m 479.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 340.6 m 355.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 340.6 m 479.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 251.60000000000002 m 355.5 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 251.60000000000002 m 355.5 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 236.60000000000002 m 355.5 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 251.60000000000002 m 417.5 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 236.60000000000002 m 417.5 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 251.60000000000002 m 479.5 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 236.60000000000002 m 479.5 236.60000000000002 l s BT /F2 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.45 365.28 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.78 365.28 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.37 365.28 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.25 357.28 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.50 349.28 Td (2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.95 365.28 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.28 365.28 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.87 365.28 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.75 357.28 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.00 349.28 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.95 365.28 Td (Y) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.84 365.28 Td (ear) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.80 365.28 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.75 357.28 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.00 349.28 Td (2017) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.35 332.00 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 413.11 332.00 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.61 332.00 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.00 316.33 Td (Summary br) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.63 316.33 Td (eakdown of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.94 316.33 Td (Adjustments to EBITDA) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.00 302.17 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.65 301.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.80 301.32 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 413.65 301.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 465.65 301.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.00 287.17 Td (Net FX impact) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.80 286.32 Td (\(4.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.65 286.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.15 286.27 Td (12.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.15 286.27 Td (4.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.00 272.17 Td (One-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.23 272.17 Td (f costs and other prescribed adjustments) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.15 271.27 Td (3.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.15 271.27 Td (2.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.15 271.27 Td (3.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.00 257.17 Td (One-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.14 257.17 Td (f write-down of intangible assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.15 256.72 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.15 256.72 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.15 256.72 Td (46.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.00 242.33 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.75 242.33 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.80 241.88 Td (\(0.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.65 241.83 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.15 241.83 Td (22.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.15 241.83 Td (53.7) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 64.5 202.60000000000002 m 164.5 202.60000000000002 l s BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.00 186.65 Td (Note: ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.71 186.65 Td (\(1\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.55 186.65 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.38 186.65 Td (EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.26 186.65 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.20 186.65 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.48 186.65 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.96 186.65 Td (non) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 179.96 186.65 Td (-) Tj ET Q BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.96 186.65 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.80 186.65 Td (measure ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.39 186.65 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.32 186.65 Td (represents ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.69 186.65 Td (EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.58 186.65 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.52 186.65 Td (\(profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.89 186.65 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.16 186.65 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.87 186.65 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.25 186.65 Td (plus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.52 186.65 Td (tax, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.23 186.65 Td (plus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.51 186.65 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.99 186.65 Td (expense, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.70 186.65 Td (plus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.97 186.65 Td (depreciation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.45 186.65 Td (and ) Tj ET Q BT /F1 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.00 175.65 Td (amortisation\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.54 175.65 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.09 175.65 Td (adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.63 175.65 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.51 175.65 Td (income/loss ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.61 175.65 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.05 175.65 Td (discontinued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.81 175.65 Td (operations, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.02 175.65 Td (non-cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.78 175.65 Td (gains ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.55 175.65 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.98 175.65 Td (losses ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.98 175.65 Td (attributable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.29 175.65 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.40 175.65 Td (movement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.05 175.65 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.16 175.65 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.81 175.65 Td (mark-to-market ) Tj ET Q BT /F1 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.00 163.20 Td (valuation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.97 163.20 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.84 163.20 Td (hedging ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.82 163.20 Td (obligations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.58 163.20 Td (under ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.00 163.20 Td (IFRS, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.11 163.20 Td (goodwill ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.76 163.20 Td (write) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 258.19 163.20 Td (-) Tj ET Q BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.19 163.20 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.71 163.20 Td (fs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.69 163.20 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.45 163.20 Td (certain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.42 163.20 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.06 163.20 Td (one-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.79 163.20 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.66 163.20 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.53 163.20 Td (non-cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.61 163.20 Td (items. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.66 163.20 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.76 163.20 Td (EBITDA, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.29 163.20 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.16 163.20 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.02 163.20 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.44 163.20 Td (this ) Tj ET Q BT /F1 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.00 152.15 Td (report, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.34 152.15 Td (may ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.36 152.15 Td (not ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.82 152.15 Td (be ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.62 152.15 Td (comparable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.17 152.15 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.64 152.15 Td (similarly-titled ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.43 152.15 Td (measures ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.43 152.15 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.67 152.15 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.68 152.15 Td (reported ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.57 152.15 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.82 152.15 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.50 152.15 Td (companies ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 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BT 447.30 594.97 Td (31.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 581.97 Td ( Net investments in finance leases) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.30 581.97 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.30 581.97 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 568.97 Td ( Net loans to related parties) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 568.97 Td (60.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 568.97 Td (66.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 555.97 Td ( Property and equipment) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 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rg BT 127.50 514.97 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.91 514.97 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.58 514.97 Td (ax assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 514.97 Td (21.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 514.97 Td (16.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 500.97 Td ( Deferred tax assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 500.97 Td (32.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 500.97 Td (35.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 486.97 Td ( Intangible IT) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.39 486.97 Td ( assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 486.97 Td (17.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 486.97 Td (22.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 472.97 Td ( Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 472.97 Td (16.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 472.97 Td (17.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 458.97 Td ( Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 458.97 Td (29.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 458.97 Td (37.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 445.13 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.71 445.13 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.30 445.13 Td (973.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.25 445.13 Td (992.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 418.97 Td ( Loans and borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.30 418.97 Td (384.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.25 418.97 Td (459.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 404.97 Td ( Deposits from customers) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.30 404.97 Td (322.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.25 404.97 Td (285.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 391.97 Td ( Deposits from banks) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 391.97 Td (13.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.30 391.97 Td (2.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 378.97 Td ( Corporate income tax payable) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.30 378.97 Td (9.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 378.97 Td (18.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 365.97 Td ( Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 365.97 Td (78.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 365.97 Td (70.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 353.13 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.91 353.13 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.03 353.13 Td (otal liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.30 353.13 Td (807.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.25 353.13 Td (836.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 339.97 Td ( Share capital) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.30 339.97 Td (35.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.30 339.97 Td (35.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 325.97 Td ( Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.30 325.97 Td (165.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.25 325.97 Td (152.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 311.97 Td ( Reserves) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 384.95 311.97 Td (\(35.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 311.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.95 311.97 Td (\(31.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 464.80 311.97 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 299.13 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.91 299.13 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.03 299.13 Td (otal attributable equity) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.30 299.13 Td (165.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.25 299.13 Td (156.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 285.97 Td ( Non-controlling interests) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.00 285.97 Td (0.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.30 285.97 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 272.13 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.82 272.13 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.57 272.13 Td (otal equity) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.30 272.13 Td (165.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.25 272.13 Td (156.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.50 259.13 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.82 259.13 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.57 259.13 Td (otal shar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.89 259.13 Td (eholders) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.00 259.13 Td () Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.33 259.13 Td ( equity and liabilities ) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.30 259.13 Td (973.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.25 259.13 Td (992.4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 225.90 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 201.90 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.92 201.90 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.84 201.90 Td (had ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.65 201.90 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.80 201.90 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.50 201.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.20 201.90 Td (973.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.08 201.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 213.97 201.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.34 201.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.04 201.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.74 201.90 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.12 201.90 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.57 201.90 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.57 201.90 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 318.44 201.90 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.24 201.90 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.39 201.90 Td (992.4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.26 201.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.15 201.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.53 201.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.23 201.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.93 201.90 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.30 201.90 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.76 201.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.76 201.90 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 543.46 201.90 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 189.90 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.80 189.90 Td (reflects ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.61 189.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.22 189.90 Td (use ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.94 189.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.65 189.90 Td (cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.81 189.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.98 189.90 Td (repay ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.57 189.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.17 189.90 Td (remaining ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.10 189.90 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.49 189.90 Td (bonds ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.77 189.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.41 189.90 Td (August. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.02 189.90 Td (This ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.18 189.90 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.12 189.90 Td (lar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.49 189.90 Td (gely ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.09 189.90 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.24 189.90 Td (fset ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.07 189.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.46 189.90 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 467.28 189.90 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.42 189.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.59 189.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.20 189.90 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 541.80 189.90 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 177.90 Td (portfolio, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.60 177.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.49 177.90 Td (financial ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.58 177.90 Td (investments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.46 177.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.01 177.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.34 177.90 Td (adoption ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.44 177.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.88 177.90 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.12 177.90 Td (16 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.22 177.90 Td (\(which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.10 177.90 Td (adds ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.54 177.90 Td (c.12 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.59 177.90 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.59 177.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.48 177.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 177.90 Td (property ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.12 177.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.67 177.90 Td (equipment) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.47 177.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.58 177.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.13 177.90 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 165.90 Td (liabilities) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.80 165.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.44 165.90 Td (lines\). ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.60 165.90 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.78 165.90 Td ('financial ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.19 165.90 Td (investments' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.40 165.90 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 233.03 165.90 Td (includes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.99 165.90 Td (securities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.39 165.90 Td (held ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.24 165.90 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.53 165.90 Td (liquidity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.05 165.90 Td (management ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.78 165.90 Td (\(mainly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 467.51 165.90 Td (Romanian ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.25 165.90 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 153.90 Td (bonds ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.39 153.90 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.93 153.90 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 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(compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.09 108.90 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.87 108.90 Td (553.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.37 108.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.26 108.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.26 108.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.60 108.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.93 108.90 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.93 108.90 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 96.90 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 96.90 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.32 96.90 Td (representing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.57 96.90 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.83 96.90 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.41 96.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.56 96.90 Td (25.7 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.88 96.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.77 96.90 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.09 96.90 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 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0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.31 96.90 Td (fourth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.58 96.90 Td (quarter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.49 96.90 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.81 96.90 Td (driven ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.18 96.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 534.00 96.90 Td (strong ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 84.90 Td (portfolio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.91 84.90 Td (growth ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.15 84.90 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.99 84.90 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.01 84.90 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.03 84.90 Td (\(which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.71 84.90 Td (contributes ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.05 84.90 Td (313.5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.46 84.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.35 84.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.26 84.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.50 84.90 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.63 84.90 Td (receivables, ) Tj ET Q q 0.25882352941176473 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382.89 72.90 Td (leases ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.68 72.90 Td (which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.04 72.90 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.16 72.90 Td (shown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.19 72.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.44 72.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.79 72.90 Td (separate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 528.46 72.90 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 60.90 Td (sheet ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 59.05 60.90 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 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Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 28.40 Td (10) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 790.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.31 790.10 Td (following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.95 790.10 Td (section ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.04 790.10 Td (includes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.13 790.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.32 790.10 Td (summary ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.30 790.10 Td (of ) Tj ET Q q 0.25882352941176473 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rg BT 164.15 778.10 Td (performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.19 778.10 Td (vs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.13 778.10 Td (non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.50 778.10 Td (classification. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.66 778.10 Td (This ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.49 778.10 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.21 778.10 Td (shown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.38 778.10 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 413.43 778.10 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.92 778.10 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.19 778.10 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.79 778.10 Td (basis ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.84 778.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.67 778.10 Td (better ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.48 778.10 Td (reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 766.10 Td (amounts ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.94 766.10 Td (actually ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.65 766.10 Td (funded. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.07 766.10 Td (Additional ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.90 766.10 Td (reference ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.14 766.10 Td (information ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.41 766.10 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.46 766.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.73 766.10 Td (historic ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.78 766.10 Td (quarterly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.93 766.10 Td (development ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.64 766.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.02 766.10 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.41 766.10 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.46 766.10 Td (portfolio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 540.51 766.10 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 554.56 766.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 754.10 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.47 754.10 Td (basis ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.97 754.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.13 754.10 Td (comparability) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.02 754.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.02 754.10 Td (split ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.75 754.10 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.25 754.10 Td (product, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.79 754.10 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.96 754.10 Td (also ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.57 754.10 Td (shown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.18 754.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 314.46 754.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.18 754.10 Td (appendix.) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 730.10 Td (Overview ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 76.82 730.10 Td (of ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 87.09 730.10 Td (the ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 101.81 730.10 Td (Gr) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 112.55 730.10 Td (oup) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 129.59 730.10 Td (s ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 135.99 730.10 Td (loan ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 156.26 730.10 Td (portfolio) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 706.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.34 706.10 Td (following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.03 706.10 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.26 706.10 Td (sets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.05 706.10 Td (out ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.63 706.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.64 706.10 Td (classification ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.20 706.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 233.33 706.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.34 706.10 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.67 706.10 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.36 706.10 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.37 706.10 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.71 706.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.29 706.10 Td (terms ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.30 706.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.43 706.10 Td (performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.21 706.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.44 706.10 Td (non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.56 706.10 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 543.46 706.10 Td (\() Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 546.79 706.10 Td (i.e.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 694.10 Td (those ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.01 694.10 Td (more ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.46 694.10 Td (than ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.57 694.10 Td (90 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.47 694.10 Td (days ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.70 694.10 Td (past ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.71 694.10 Td (due\). ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.67 694.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.12 694.10 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.45 694.10 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 233.24 694.10 Td (Bulgarian ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.58 694.10 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.47 694.10 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.37 694.10 Td (operations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.92 694.10 Td (\(vivus.bg\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 694.10 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.33 694.10 Td (approximately ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.99 694.10 Td (3 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.89 694.10 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.68 694.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 682.10 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.91 682.10 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.24 682.10 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.59 682.10 Td (transferred ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.69 682.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.13 682.10 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.04 682.10 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.94 682.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.12 682.10 Td (April. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.52 682.10 Td (Just ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.87 682.10 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.44 682.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.23 682.10 Td (3 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.03 682.10 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.71 682.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.84 682.10 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.74 682.10 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.08 682.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.21 682.10 Td (Polish ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.01 682.10 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.46 682.10 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.37 682.10 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.71 682.10 Td (transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 670.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.33 670.10 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.20 670.10 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.06 670.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.59 670.10 Td (H2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.57 670.10 Td (2019. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.82 670.10 Td (Both ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.02 670.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.11 670.10 Td (these ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.41 670.10 Td (portfolios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.05 670.10 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.01 670.10 Td (still ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.77 670.10 Td (classified ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.28 670.10 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.37 670.10 Td (online) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 353.28 670.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.04 670.10 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.90 670.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.43 670.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.40 670.10 Td (tables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.48 670.10 Td (below) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.27 670.10 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.52 670.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.71 670.10 Td (others ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.91 670.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.44 670.10 Td (this ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.64 670.10 Td (report, ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 658.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.16 658.10 Td (comparability ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.20 658.10 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.48 658.10 Td (prior ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.41 658.10 Td (periods.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 128.5 621.6 m 179.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 621.6 m 183.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 621.6 m 234.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 621.6 m 238.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 621.6 m 282.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 621.6 m 286.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 621.6 m 337.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 621.6 m 401.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 128.5 592.6 m 179.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 592.6 m 234.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 592.6 m 282.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 592.6 m 337.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 621.6 m 401.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 592.6 m 401.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 621.6 m 405.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 621.6 m 456.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 592.6 m 456.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 621.6 m 460.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 621.6 m 504.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 592.6 m 504.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 621.6 m 508.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 621.6 m 559.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 592.6 m 559.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 128.5 592.6 m 179.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 592.6 m 234.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 592.6 m 282.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 592.6 m 337.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 592.6 m 401.5 592.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 128.5 360.6 m 179.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 128.5 343.6 m 179.5 343.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 183.5 360.6 m 234.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 343.6 m 234.5 343.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 238.5 360.6 m 282.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 343.6 m 282.5 343.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 286.5 360.6 m 337.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 343.6 m 337.5 343.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 350.5 360.6 m 401.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 343.6 m 401.5 343.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 405.5 360.6 m 456.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 343.6 m 456.5 343.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 460.5 360.6 m 504.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 343.6 m 504.5 343.6 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 508.5 360.6 m 559.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 343.6 m 559.5 343.6 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 627.00 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.25 625.83 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.82 625.83 Td ( 2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.25 625.83 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 467.75 625.83 Td ( 2018) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.10 604.83 Td (Gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.80 604.83 Td (oss) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.95 596.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.65 604.83 Td (Impairment) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.20 596.83 Td (allowance) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.00 604.83 Td (Net) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.95 596.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.45 604.83 Td (% of Gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.82 604.83 Td (oss) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.95 596.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.10 604.83 Td (Gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.80 604.83 Td (oss) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 369.95 596.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.65 604.83 Td (Impairment) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.20 596.83 Td (allowance) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 489.00 604.83 Td (Net) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.95 596.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.45 604.83 Td (% of Gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 545.74 604.83 Td (oss) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.95 596.83 Td (Amount) Tj ET Q BT /F3 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.80 584.28 Td (\(in millions of , except percentages\)) Tj ET Q BT /F3 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.80 584.28 Td (\(in millions of , except percentages\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 569.05 Td (Online principal) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 551.96 Td (Performing) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.15 550.27 Td (263.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.80 550.27 Td (\(39.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 550.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.15 550.27 Td (223.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.50 550.27 Td (77.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.65 550.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 550.27 Td (293.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.80 550.32 Td (\(44.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 550.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.15 550.27 Td (248.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 531.50 550.27 Td (79.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 550.27 Td (%) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 531.96 Td (Non-performing ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.23 536.04 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.15 527.27 Td (77.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.80 527.27 Td (\(59.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 527.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.15 527.27 Td (18.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.50 527.27 Td (22.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.65 527.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.15 527.27 Td (74.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.80 527.32 Td (\(56.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 527.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.15 527.27 Td (18.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 531.50 527.27 Td (20.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 527.27 Td (%) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 512.05 Td (Online total) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.15 510.28 Td (340.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.80 510.28 Td (\(98.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 510.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.15 510.28 Td (241.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.50 510.28 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.00 510.28 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 510.28 Td (367.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.80 510.33 Td (\(101.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 510.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.15 510.28 Td (266.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.50 510.28 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 549.00 510.28 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 491.05 Td (TBI Bank principal) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 473.96 Td (Performing) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.15 472.27 Td (289.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.80 472.27 Td (\(1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.13 472.27 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 472.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.15 472.27 Td (277.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.50 472.27 Td (83.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.65 472.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 472.27 Td (246.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.80 472.32 Td (\(12.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 472.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.15 472.27 Td (233.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 531.50 472.27 Td (84.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 472.27 Td (%) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 453.46 Td (Non-performing ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.23 457.54 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.15 448.27 Td (55.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.80 448.27 Td (\(27.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 448.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.15 448.27 Td (28.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.50 448.27 Td (16.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.65 448.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.15 448.27 Td (46.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.80 448.32 Td (\(24.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 448.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.15 448.27 Td (21.7) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 531.50 448.27 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 448.27 Td (%) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 429.55 Td (TBI Bank total) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.15 424.28 Td (345.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.80 424.28 Td (\(39.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 424.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.15 424.28 Td (306.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.50 424.28 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.00 424.28 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 424.28 Td (292.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.80 424.33 Td (\(37.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 424.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.15 424.28 Td (255.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.50 424.28 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 549.00 424.28 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 405.55 Td (Overall principal) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 389.96 Td (Performing) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.15 389.27 Td (552.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.80 389.27 Td (\(51.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 389.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.15 389.27 Td (501.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.50 389.27 Td (80.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.65 389.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 389.27 Td (539.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.80 389.32 Td (\(57.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 389.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.15 389.27 Td (481.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.50 389.27 Td (81.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.65 389.27 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 370.46 Td (Non-performing ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.23 374.54 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.15 365.27 Td (132.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.80 365.27 Td (\(86.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 365.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.15 365.27 Td (46.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.50 365.27 Td (19.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.65 365.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 365.27 Td (120.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.80 365.32 Td (\(80.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 365.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.15 365.27 Td (40.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.50 365.27 Td (18.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.65 365.27 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 350.05 Td (Overall total) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.15 348.28 Td (685.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.80 348.28 Td (\(137.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.65 348.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.15 348.28 Td (548.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.50 348.28 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.00 348.28 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 375.15 348.28 Td (659.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.80 348.33 Td (\(138.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.65 348.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.15 348.28 Td (521.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.50 348.28 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 549.00 348.28 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 333.6 m 121.5 333.6 l s BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 323.13 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 37.63 323.13 Td (Note: ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.69 323.13 Td (\(1\) ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.89 323.13 Td (Non-performing ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.11 323.13 Td (amounts ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.76 323.13 Td (are ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.32 323.13 Td (over ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.49 323.13 Td (90 ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.61 323.13 Td (days ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.15 323.13 Td (past ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.25 323.13 Td (due ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.25 323.13 Td (\(and, ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 213.05 323.13 Td (for ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.14 323.13 Td (TBI ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.23 323.13 Td (Bank, ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.20 323.13 Td (shown ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.80 323.13 Td (on ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.92 323.13 Td (a ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.43 323.13 Td (customer ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.88 323.13 Td (level ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.13 323.13 Td (basis\)) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 297.10 Td (Online ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 65.72 297.10 Td (loan ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 86.00 297.10 Td (portfolio ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 123.50 297.10 Td (by ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 135.44 297.10 Td (pr) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 143.96 297.10 Td (oduct) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 275.10 Td (This ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.07 275.10 Td (section ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.68 275.10 Td (presents ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.74 275.10 Td (further ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.23 275.10 Td (detail ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.73 275.10 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.02 275.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.53 275.10 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.81 275.10 Td (portfolio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.10 275.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.82 275.10 Td (classification ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.87 275.10 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.16 275.10 Td (product. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.26 275.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.09 275.10 Td (following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.27 275.10 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.99 275.10 Td (shows ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.28 275.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.79 275.10 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 555.12 275.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 263.10 Td (performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.88 263.10 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.77 263.10 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.78 263.10 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.90 263.10 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.34 263.10 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.23 263.10 Td (product. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.54 263.10 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.21 263.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 252.11 263.10 Td (separate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.76 263.10 Td (classification ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.41 263.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.97 263.10 Td (Near ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.29 263.10 Td (Prime ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.08 263.10 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.08 263.10 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.31 263.10 Td (been ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.08 263.10 Td (added, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.36 263.10 Td (which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.69 263.10 Td (includes ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 251.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.98 251.10 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.31 251.10 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.97 251.10 Td (lower ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.11 251.10 Td (APR ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.33 251.10 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.75 251.10 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.73 251.10 Td (products ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.94 251.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.48 251.10 Td (Latvia, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.28 251.10 Td (Lithuania, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.87 251.10 Td (Spain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.41 251.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.61 251.10 Td (Sweden. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.41 251.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 403.72 251.10 Td (Group's ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.73 251.10 Td (shorter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 464.30 251.10 Td (-term ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.72 251.10 Td (products ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 523.92 251.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.46 251.10 Td (Latvia ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 239.10 Td (have ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.38 239.10 Td (also ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.99 239.10 Td (been ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.36 239.10 Td (reclassified ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.39 239.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.67 239.10 Td (Line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.50 239.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.33 239.10 Td (Credit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.82 239.10 Td (\(from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.09 239.10 Td (Single ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.15 239.10 Td (Payment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.64 239.10 Td (Loans\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.91 239.10 Td (reflecting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.72 239.10 Td (changes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.43 239.10 Td (made ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.58 239.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.86 239.10 Td (Q1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.58 239.10 Td (2019.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 203.60000000000002 m 350.5 203.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 203.60000000000002 m 354.5 203.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 203.60000000000002 m 424.5 203.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 203.60000000000002 m 487.5 203.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 203.60000000000002 m 491.5 203.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 203.60000000000002 m 559.5 203.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 189.60000000000002 m 350.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 189.60000000000002 m 424.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 189.60000000000002 m 487.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 189.60000000000002 m 559.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 189.60000000000002 m 350.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 292.5 114.60000000000002 m 350.5 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 99.60000000000002 m 350.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 354.5 114.60000000000002 m 424.5 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 99.60000000000002 m 424.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 428.5 114.60000000000002 m 487.5 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 99.60000000000002 m 487.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 491.5 114.60000000000002 m 559.5 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 99.60000000000002 m 559.5 99.60000000000002 l s BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.75 207.83 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.32 207.83 Td ( 2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.25 207.83 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.75 207.83 Td ( 2018) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.95 194.28 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.90 194.28 Td (% of Portfolio) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.95 194.28 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.90 194.28 Td (% of Portfolio) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 179.83 Td (Online performing gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.12 179.83 Td (oss principal by pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.68 179.83 Td (oduct:) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.25 179.05 Td (\(in millions of , except percentages\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 164.96 Td (Single Payment Loans) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.15 164.27 Td (101.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.50 164.27 Td (38.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.65 164.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.15 164.27 Td (129.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.50 164.27 Td (44.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.65 164.27 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 149.96 Td (Instalment Loans) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.15 149.27 Td (89.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.50 149.27 Td (34.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.65 149.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.15 149.27 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.15 149.27 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.50 149.27 Td (39.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.65 149.27 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 134.96 Td (Lines of Credit ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.74 139.04 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.15 134.27 Td (41.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.50 134.27 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.65 134.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.15 134.27 Td (30.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.50 134.27 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.65 134.27 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 119.96 Td (Near Prime) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.23 124.04 Td ( \(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.15 119.27 Td (30.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.50 119.27 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.50 119.27 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.65 119.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.15 119.27 Td (16.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.50 119.27 Td (5.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.65 119.27 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 104.83 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.75 104.83 Td (otal online gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.24 104.83 Td (oss performing principal) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.50 104.28 Td (263.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.50 104.28 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.00 104.28 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.50 104.28 Td (293.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.50 104.28 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 549.00 104.28 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 77.60000000000002 m 128.5 77.60000000000002 l s BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 67.13 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 37.63 67.13 Td (Notes: ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.22 67.13 Td (\(1\) ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.42 67.13 Td (Includes ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.06 67.13 Td (Minimum-to-Pay ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.82 67.13 Td (products ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.83 67.13 Td (and ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.83 67.13 Td (Point ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.18 67.13 Td (of ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.22 67.13 Td (Sale ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.04 67.13 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 37.63 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.25 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 40.88 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 42.50 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.13 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.75 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.38 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.00 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.63 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.25 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.88 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 55.50 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.13 55.63 Td (\(2\) ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.33 55.63 Td (Includes ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.97 55.63 Td (the ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.53 55.63 Td (Group) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.95 55.63 Td (s ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.10 55.63 Td (lower ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.16 55.63 Td (APR ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.43 55.63 Td (instalment ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.13 55.63 Td (loan ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.95 55.63 Td (products ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.95 55.63 Td (in ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 224.63 55.63 Td (Latvia ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.86 55.63 Td (\(V) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.33 55.63 Td (ivus\), ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.57 55.63 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.20 55.63 Td (Lithuania ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.73 55.63 Td (\(V) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.20 55.63 Td (ivus\), ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.44 55.63 Td (Spain ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.87 55.63 Td (\(Fintonic\) ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.49 55.63 Td (and ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.50 55.63 Td (Sweden ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.70 55.63 Td (\(Friia\)) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.40 28.40 Td (1) Tj ET Q q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 553.49 28.40 Td (1) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 770.50 Td (Online ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 65.72 770.50 Td (non-performing ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 131.55 770.50 Td (loan ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 151.83 770.50 Td (portfolio) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 748.50 Td (As ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.52 748.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.26 748.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.67 748.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.17 748.50 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.17 748.50 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.08 748.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.70 748.50 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.03 748.50 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.33 748.50 Td (non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.06 748.50 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.46 748.50 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.42 748.50 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.38 748.50 Td (77.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.29 748.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.18 748.50 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.09 748.50 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.94 748.50 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.10 748.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.84 748.50 Td (2.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.75 748.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.64 748.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.05 748.50 Td (since ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 549.01 748.50 Td (31 ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 736.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.57 736.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.57 736.50 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.30 736.50 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.34 736.50 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.94 736.50 Td (NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.46 736.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.94 736.50 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.76 736.50 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.79 736.50 Td (24.9%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.62 736.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.11 736.50 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.26 736.50 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.74 736.50 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.20 736.50 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.01 736.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.83 736.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.31 736.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.88 736.50 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.88 736.50 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.87 736.50 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.78 736.50 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.05 736.50 Td (22.0%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.88 736.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.36 736.50 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 537.18 736.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 549.00 736.50 Td (31 ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 724.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.58 724.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.58 724.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 702.50 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.27 702.50 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.55 702.50 Td (accrues ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.25 702.50 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.41 702.50 Td (whilst ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.59 702.50 Td (it ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.87 702.50 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.27 702.50 Td (probable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.98 702.50 Td (it ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.26 702.50 Td (will ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.54 702.50 Td (be ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.71 702.50 Td (received ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.29 702.50 Td (\(typically ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.34 702.50 Td (up ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.07 702.50 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 369.57 702.50 Td (90 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.30 702.50 Td (DPD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.03 702.50 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.42 702.50 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.80 702.50 Td (loans\). ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.47 702.50 Td (Non-performing ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 690.50 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.10 690.50 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.56 690.50 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.13 690.50 Td (17.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.65 690.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.54 690.50 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.06 690.50 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.41 690.50 Td (23%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.74 690.50 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.26 690.50 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.06 690.50 Td (addition ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.86 690.50 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.66 690.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.89 690.50 Td (non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.23 690.50 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.47 690.50 Td (principal. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.53 690.50 Td 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0.25882352941176473 rg BT 111.24 678.50 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.95 678.50 Td (only ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.22 678.50 Td (recognised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.04 678.50 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.87 678.50 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.80 678.50 Td (when ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.96 678.50 Td (payment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.90 678.50 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.07 678.50 Td (received.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 656.50 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.05 656.50 Td (following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.43 656.50 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.37 656.50 Td (sets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.87 656.50 Td (out ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.15 656.50 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.08 656.50 Td (analysis ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.80 656.50 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.63 656.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.35 656.50 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.68 656.50 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.07 656.50 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.56 656.50 Td (NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.08 656.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.58 656.50 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.63 656.50 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.13 656.50 Td (product. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.67 656.50 Td ( ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 625 m 461 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 625 m 541 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 625 m 461 625 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 386 540 m 461 540 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 466 540 m 541 540 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 386 540 m 461 540 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 526 m 461 526 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 466 540 m 541 540 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 526 m 541 526 l s BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.75 633.68 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.32 633.68 Td ( 2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.75 633.68 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.25 633.68 Td ( 2018) Tj ET Q BT /F3 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.80 617.08 Td (\(in millions of , except percentages\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 603.73 Td (Non-performing online principal by pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.98 603.73 Td (oduct:) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 589.12 Td (Single Payment Loans) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.00 588.67 Td (32.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 588.67 Td (36.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 574.12 Td (Instalment Loans) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.00 573.67 Td (29.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 573.67 Td (27.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 559.12 Td (Lines of Credit ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.54 563.65 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.00 558.67 Td (12.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.00 558.67 Td (9.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 544.57 Td (Near Prime) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.00 544.57 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.00 544.57 Td (1.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 530.73 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 70.25 530.73 Td (otal non-performing online principal) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.00 530.68 Td (77.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 530.68 Td (74.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 511.57 Td (Allowance for NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.18 511.57 Td ( principal) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.00 511.57 Td (59.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 511.57 Td (56.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 498.12 Td (Allowance for NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.18 498.12 Td ( principal / non-performing principal) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.50 497.67 Td (77) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.15 497.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.50 497.67 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.15 497.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 483.12 Td (Overall receivables allowance / NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.29 483.12 Td ( receivables coverage ratio) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.50 482.67 Td (121) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.15 482.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.50 482.67 Td (127) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.15 482.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.50 463.12 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 70.98 463.12 Td (verage Loss Given Default rate ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.43 467.65 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.50 462.67 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.15 462.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.50 462.67 Td (74) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.15 462.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 448 m 136.5 448 l s BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 437.53 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 37.63 437.53 Td (Notes: ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.22 437.53 Td (\(1\) ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.42 437.53 Td (Includes ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.06 437.53 Td (Point ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.41 437.53 Td (of ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.45 437.53 Td (Sale ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.27 437.53 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 37.63 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.25 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 40.88 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 42.50 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.13 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.75 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.38 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.00 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.63 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.25 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.88 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 55.50 426.03 Td (\(2\) ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.34 426.03 Td (A) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.55 426.03 Td (verage ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.50 426.03 Td (LGD ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.48 426.03 Td (rate ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.84 426.03 Td (for ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.05 426.03 Td (SPL) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.00 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.63 426.03 Td (was ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.36 426.03 Td (86%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.27 426.03 Td (; ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.70 426.03 Td (IL: ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.27 426.03 Td (72%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.18 426.03 Td (; ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.61 426.03 Td (LOC: ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.04 426.03 Td (69%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.95 426.03 Td (; ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.38 426.03 Td (Near ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 233.63 426.03 Td (prime: ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 252.22 426.03 Td (52%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.14 426.03 Td ( ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.76 426.03 Td (as ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.80 426.03 Td (of ) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.84 426.03 Td (31/12/2019) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 409.50 Td (Other ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 62.39 409.50 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 387.50 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 42.67 387.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.13 387.50 Td (breakdown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.02 387.50 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.82 387.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.50 387.50 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.83 387.50 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.18 387.50 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.19 387.50 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.98 387.50 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.11 387.50 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.89 387.50 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.13 387.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.81 387.50 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.71 387.50 Td (below) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.50 387.50 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.46 387.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.74 387.50 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.75 387.50 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.97 387.50 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.21 387.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.89 387.50 Td ('derivatives' ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.83 387.50 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.28 387.50 Td (relates ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.84 387.50 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.08 387.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.76 387.50 Td (Group's ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 375.50 Td (EUR/USD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.28 375.50 Td (currency ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.76 375.50 Td (hedges.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382 351 m 457 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 351 m 536 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382 351 m 457 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 351 m 536 351 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 382 234 m 457 234 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 461 234 m 536 234 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 382 234 m 457 234 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382 219 m 457 219 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 461 234 m 536 234 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 219 m 536 219 l s BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.00 356.18 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.57 356.18 Td ( 2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.00 356.18 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.50 356.18 Td ( 2018) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.35 342.40 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 482.11 342.40 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.61 342.40 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 329.12 Td (FX hedging - funds on mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.01 329.12 Td (gin) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.00 328.67 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 328.67 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 314.12 Td (Non-current assets held for sale) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.00 313.67 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 313.67 Td (5.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 299.12 Td (Receivables from suppliers) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.00 298.67 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 515.00 298.67 Td (14.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 284.12 Td (Security deposits) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.00 283.67 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 283.67 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 269.12 Td (Investments in associates) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.00 268.67 Td (2.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 268.67 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 254.12 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.00 253.67 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 253.67 Td (2.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 239.12 Td (Other non-customer receivables) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.00 238.67 Td (7.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.00 238.67 Td (8.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 224.23 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.25 224.23 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.65 223.68 Td (29.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.65 223.68 Td (37.5) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 195.50 Td (Liabilities) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 177.50 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.10 177.50 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.21 177.50 Td (had ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.21 177.50 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.54 177.50 Td (liabilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.31 177.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.19 177.50 Td (807.7 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.25 177.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.14 177.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.70 177.50 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.58 177.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.47 177.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.03 177.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.67 177.50 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.67 177.50 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.72 177.50 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.70 177.50 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.04 177.50 Td (836.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.09 177.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.99 177.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.54 177.50 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.43 177.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.31 177.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.87 177.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.51 177.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 556.51 177.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 165.50 Td (representing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.92 165.50 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.86 165.50 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.78 165.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.61 165.50 Td (28.3 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.61 165.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.50 165.50 Td (. ) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 144.50 Td (Loans ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 62.95 144.50 Td (and ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 80.45 144.50 Td (borr) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 97.87 144.50 Td (owings) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 123.50 Td (As ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.40 123.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.03 123.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.32 123.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.69 123.50 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.69 123.50 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.48 123.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.99 123.50 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.84 123.50 Td (had ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.57 123.50 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.97 123.50 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.70 123.50 Td (borrowings ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.54 123.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.16 123.50 Td (384.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.95 123.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.84 123.50 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.64 123.50 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 403.35 123.50 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.42 123.50 Td (459.4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.21 123.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.10 123.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.40 123.50 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.02 123.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.64 123.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.93 123.50 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 111.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 111.50 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.89 111.50 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.02 111.50 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.35 111.50 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.82 111.50 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.50 111.50 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.52 111.50 Td (borrowings ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.65 111.50 Td (accounted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.76 111.50 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.00 111.50 Td (48%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.33 111.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.91 111.50 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.81 111.50 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.17 111.50 Td (liabilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.96 111.50 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.87 111.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.78 111.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.36 111.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.02 111.50 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.02 111.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.60 111.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.61 111.50 Td (55%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.94 111.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.52 111.50 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.43 111.50 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 521.78 111.50 Td (liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 99.50 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.36 99.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.72 99.50 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.75 99.50 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.87 99.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.87 99.50 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.40 99.50 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.28 99.50 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.86 99.50 Td (following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.78 99.50 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.25 99.50 Td (sets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.28 99.50 Td (out ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.09 99.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.33 99.50 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.47 99.50 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.94 99.50 Td (borrowings ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.53 99.50 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.56 99.50 Td (type. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.31 99.50 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.67 99.50 Td (October ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.91 99.50 Td (2019, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.44 99.50 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.89 99.50 Td (S.A. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.71 99.50 Td (repurchased ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 87.50 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 42.94 87.50 Td (further ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.65 87.50 Td ($5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.15 87.50 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.54 87.50 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.37 87.50 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.32 87.50 Td (USD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.82 87.50 Td (2022 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.32 87.50 Td (bonds, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 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Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.54 632.40 Td (August ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.93 632.40 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.43 632.40 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.37 632.40 Td (were ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.30 632.40 Td (fully ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.69 632.40 Td (repaid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.17 632.40 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.11 632.40 Td (cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.38 632.40 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.88 632.40 Td (hand.) 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0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.78 608.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.49 608.40 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.12 608.40 Td (1.25% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.33 608.40 Td (notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.81 608.40 Td (\(the ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.74 608.40 Td (2021 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.45 608.40 Td (Notes) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.55 608.40 Td (\). ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.52 608.40 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.44 608.40 Td (2021 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.82 608.40 Td (Notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 465.53 608.40 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.11 608.40 Td (listed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.16 608.40 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.54 608.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.13 608.40 Td (Prime ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 596.40 Td (Standard ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.65 596.40 Td (regulated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.96 596.40 Td (market ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.83 596.40 Td (segment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.26 596.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.69 596.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.01 596.40 Td (Frankfurt ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.88 596.40 Td (Stock ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.77 596.40 Td (Exchange. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.80 596.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.90 596.40 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.33 596.40 Td (November ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.65 596.40 Td (2016, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.25 596.40 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 413.79 596.40 Td (further ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 444.11 596.40 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.11 596.40 Td (50.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.71 596.40 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.71 596.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.14 596.40 Td (Notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.58 596.40 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 584.40 Td (issued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.50 584.40 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.22 584.40 Td (par) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.43 584.40 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.25 584.40 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.30 584.40 Td (2021 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.80 584.40 Td (Notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.63 584.40 Td (mature ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.89 584.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.17 584.40 Td (May ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.00 584.40 Td (2021 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.50 584.40 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.44 584.40 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.15 584.40 Td (callable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.74 584.40 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.45 584.40 Td (104%.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 563.40 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.64 563.40 Td (April ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.44 563.40 Td (2017, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.63 563.40 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.74 563.40 Td (S.A. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.21 563.40 Td (issued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.90 563.40 Td (US$325.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.87 563.40 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.44 563.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.46 563.40 Td (10.75% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.98 563.40 Td (notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.77 563.40 Td (\(the ) Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.01 563.40 Td (2022 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.02 563.40 Td (Notes\) ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.15 563.40 Td (which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.28 563.40 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.17 563.40 Td (listed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 449.52 563.40 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.21 563.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.11 563.40 Td (Irish ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.13 563.40 Td (Stock ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.59 563.40 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 551.40 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.05 551.40 Td (will ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.21 551.40 Td (mature ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.58 551.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.97 551.40 Td (May ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.90 551.40 Td (2022. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.44 551.40 Td (An ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.27 551.40 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.00 551.40 Td (9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.60 551.40 Td (adjustment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.09 551.40 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.03 551.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.97 551.40 Td (1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.57 551.40 Td (January ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.28 551.40 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.89 551.40 Td (resulted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.15 551.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.54 551.40 Td (a ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 387.58 551.40 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.58 551.40 Td (5.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.69 551.40 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.19 551.40 Td (decrease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.21 551.40 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.60 551.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.42 551.40 Td (carrying ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 537.34 551.40 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 539.40 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.38 539.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.53 539.40 Td (revaluation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.45 539.40 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.60 539.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.75 539.40 Td (original ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.79 539.40 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.38 539.40 Td (fective ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.52 539.40 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.89 539.40 Td (rate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.81 539.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.08 539.40 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.46 539.40 Td (proportion ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.61 539.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.88 539.40 Td (US$ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.60 539.40 Td (2022 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.54 539.40 Td (bond ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.47 539.40 Td (carried ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.16 539.40 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.87 539.40 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.24 539.40 Td (original ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.29 539.40 Td (US$ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.01 539.40 Td (2019 ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 527.40 Td (bond ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.50 527.40 Td (\(to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.11 527.40 Td (be ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.05 527.40 Td (amortised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.98 527.40 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.25 527.40 Td (remaining ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.29 527.40 Td (life ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.12 527.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.95 527.40 Td (bond ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.45 527.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.72 527.40 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.99 527.40 Td (expense\). ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.67 527.40 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.72 527.40 Td (2022 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 368.22 527.40 Td (Notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.05 527.40 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.76 527.40 Td (callable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.35 527.40 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.06 527.40 Td (105.4%.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 506.40 Td (Customer ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 78.51 506.40 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 485.40 Td (As ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.66 485.40 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.54 485.40 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.09 485.40 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.72 485.40 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.72 485.40 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.77 485.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.53 485.40 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.63 485.40 Td (had ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.62 485.40 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.94 485.40 Td (customer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.14 485.40 Td (deposits ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.47 485.40 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.35 485.40 Td (322.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.39 485.40 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.29 485.40 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.33 485.40 Td (Banking ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.77 485.40 Td (operations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.97 485.40 Td (contributed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.06 485.40 Td (307.5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.11 485.40 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 473.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.47 473.40 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.37 473.40 Td (deposits ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.83 473.40 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.74 473.40 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.86 473.40 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.63 473.40 Td (all-in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.43 473.40 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.22 473.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.24 473.40 Td (approximately ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.68 473.40 Td (1.6% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.20 473.40 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.67 473.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.57 473.40 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.79 473.40 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.91 473.40 Td (4spar ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.26 473.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.73 473.40 Td (Sweden ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.07 473.40 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.98 473.40 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.10 473.40 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.87 473.40 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.67 473.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.69 473.40 Td (7.1%. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 461.40 Td (Further ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.94 461.40 Td (details ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.54 461.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.19 461.40 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.80 461.40 Td (Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.69 461.40 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.08 461.40 Td (deposits ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.36 461.40 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.06 461.40 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.88 461.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.16 461.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.87 461.40 Td (appendix.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 440.40 Td (Other ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 62.39 440.40 Td (liabilities) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 419.40 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 42.67 419.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.83 419.40 Td (breakdown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.42 419.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.90 419.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.28 419.40 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.61 419.40 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.66 419.40 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.36 419.40 Td (liabilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.74 419.40 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.57 419.40 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.04 419.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.98 419.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.35 419.40 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.94 419.40 Td (below) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.73 419.40 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.23 419.40 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 353.94 419.40 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.65 419.40 Td (adopted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.46 419.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.84 419.40 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.12 419.40 Td (16 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 465.28 419.40 Td (accounting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.31 419.40 Td (standard ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 547.34 419.40 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 407.40 Td (lease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.49 407.40 Td (liabilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.20 407.40 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.14 407.40 Td (January ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.74 407.40 Td (2019. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.74 407.40 Td (Further ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.68 407.40 Td (details ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.28 407.40 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.99 407.40 Td (available ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.58 407.40 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.86 407.40 Td (Note ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.79 407.40 Td (3 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.29 407.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.12 407.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.84 407.40 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.17 407.40 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.56 407.40 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.06 407.40 Td (annual ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 444.22 407.40 Td (report. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382 381.9 m 457 381.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 381.9 m 536 381.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382 381.9 m 457 381.9 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 382 271.9 m 457 271.9 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 461 271.9 m 536 271.9 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 382 271.9 m 457 271.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382 257.9 m 457 257.9 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 461 271.9 m 536 271.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 257.9 m 536 257.9 l s BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.00 385.98 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.57 385.98 Td ( 2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.00 385.98 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.50 385.98 Td ( 2018) Tj ET Q BT /F3 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.30 373.13 Td (\(in millions of , except percentages\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 359.02 Td (Accrued expenses) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.65 358.57 Td (21.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.65 358.57 Td (22.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 344.47 Td (Accounts payable to suppliers) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.65 344.47 Td (8.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.65 344.47 Td (12.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 331.47 Td (FX hedging liability) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.65 331.47 Td (7.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.65 331.47 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 318.47 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.26 318.47 Td (axes payable) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.65 318.47 Td (8.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.65 318.47 Td (8.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 305.47 Td (Provisions for unused vacations) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.65 305.47 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.65 305.47 Td (2.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 292.02 Td (Lease liabilities \(IFRS 16\) ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.82 296.55 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 440.65 291.57 Td (9.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 522.15 291.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 277.02 Td (Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.65 276.57 Td (22.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.65 276.57 Td (20.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.50 262.63 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 66.25 262.63 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.65 262.58 Td (78.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.65 262.58 Td (70.9) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 64.5 247.89999999999998 m 164.5 247.89999999999998 l s BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.00 234.80 Td (Note: \(1\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.66 234.80 Td (Adopted IFRS 16 accounting standard from January 2019. See Note 3 of the Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.94 234.80 Td (s 2018 annual report for further details) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 216.80 Td (Equity) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 195.80 Td (As ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.88 195.80 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.98 195.80 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.74 195.80 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.59 195.80 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.59 195.80 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.86 195.80 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.84 195.80 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.17 195.80 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.83 195.80 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 213.37 195.80 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.13 195.80 Td (amounted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.33 195.80 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.87 195.80 Td (165.5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.14 195.80 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 353.03 195.80 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.30 195.80 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.49 195.80 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.03 195.80 Td (156.4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.30 195.80 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.19 195.80 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.96 195.80 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.05 195.80 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.15 195.80 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.91 195.80 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 183.80 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 183.80 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.63 183.80 Td (representing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.19 183.80 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.76 183.80 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.65 183.80 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.11 183.80 Td (9.1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.74 183.80 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.63 183.80 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.27 183.80 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.73 183.80 Td (6%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.06 183.80 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.54 183.80 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.22 183.80 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.55 183.80 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.57 183.80 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.70 183.80 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 339.61 183.80 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.08 183.80 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.53 183.80 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.00 183.80 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.46 183.80 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.59 183.80 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.81 183.80 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.81 183.80 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.94 183.80 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.63 183.80 Td (17%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.96 183.80 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.59 183.80 Td (4finance ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 171.80 Td (Holding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.77 171.80 Td (S.A. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.54 171.80 Td (declared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.39 171.80 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.81 171.80 Td (paid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.02 171.80 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.44 171.80 Td (5 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.43 171.80 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.31 171.80 Td (dividend ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.29 171.80 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.40 171.80 Td (August ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 299.27 171.80 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.70 171.80 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.13 171.80 Td (further ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.32 171.80 Td (9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.31 171.80 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 399.19 171.80 Td (dividend ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.17 171.80 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.94 171.80 Td (December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.47 171.80 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.95 171.80 Td (Over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.93 171.80 Td (half ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.47 171.80 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 546.78 171.80 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 159.80 Td (aggregate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 77.36 159.80 Td (dividend ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.86 159.80 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.91 159.80 Td (used ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.74 159.80 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.24 159.80 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.16 159.80 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.21 159.80 Td (S.A. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.50 159.80 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.78 159.80 Td (repay ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.48 159.80 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.07 159.80 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.00 159.80 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.50 159.80 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.45 159.80 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.17 159.80 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.10 159.80 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.03 159.80 Td (Holding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.31 159.80 Td (S.A.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 138.80 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.66 138.80 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.76 138.80 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.65 138.80 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.97 138.80 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.05 138.80 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.49 138.80 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.93 138.80 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.37 138.80 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.48 138.80 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.67 138.80 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.67 138.80 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.78 138.80 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.44 138.80 Td (29%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.77 138.80 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.38 138.80 Td (reflecting ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.80 138.80 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.13 138.80 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.46 138.80 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.46 138.80 Td (strong ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.57 138.80 Td (capitalisation, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.49 138.80 Td (even ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.48 138.80 Td (after ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.90 138.80 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 541.23 138.80 Td (one-) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 126.80 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.15 126.80 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.98 126.80 Td (intangible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.47 126.80 Td (asset ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.41 126.80 Td (adjustments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.68 126.80 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.40 126.80 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.12 126.80 Td (end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.05 126.80 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.88 126.80 Td (2017 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.38 126.80 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.32 126.80 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.04 126.80 Td (adoption ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.53 126.80 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.36 126.80 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.99 126.80 Td (9, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.99 126.80 Td (still ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.49 126.80 Td (giving ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.55 126.80 Td (good ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.05 126.80 Td (headroom ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.53 126.80 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.81 126.80 Td (bond ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.31 126.80 Td (covenants.) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 103.40 Td (Off-balance ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 99.66 103.40 Td (sheet ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 128.65 103.40 Td (arrangements ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 88.40 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.13 88.40 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.46 88.40 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.93 88.40 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.29 88.40 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.44 88.40 Td (f-balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.21 88.40 Td (sheet ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.34 88.40 Td (commitments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.36 88.40 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.27 88.40 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.19 88.40 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.77 88.40 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.43 88.40 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.43 88.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.02 88.40 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.03 88.40 Td (18.1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.11 88.40 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.00 88.40 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.90 88.40 Td (This ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.26 88.40 Td (includes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.98 88.40 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.67 88.40 Td (Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.55 88.40 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.03 88.40 Td (undrawn ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 76.40 Td 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(additional ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.67 64.40 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.82 64.40 Td (f-balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.45 64.40 Td (sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 52.40 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.83 52.40 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.66 52.40 Td (liabilities, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.88 52.40 Td (but ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.16 52.40 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.86 52.40 Td (designed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 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(Impairment losses on loans) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.75 663.71 Td (148.5) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.75 663.71 Td (178.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 652.66 Td (Reversal of provision on debt portfolio sales) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.25 652.66 Td (\(12.0) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 652.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.25 652.66 Td (\(36.6) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 652.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 640.66 Td (W) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.13 640.66 Td (rite-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.46 640.66 Td (f and disposal of intangible and property and equipment assets) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 639.86 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 639.86 Td (2.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 626.66 Td (Interest income from non-customers loans) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.75 625.86 Td (\(7.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 625.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 625.86 Td (\(8.1) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 625.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 612.66 Td (Interest expense on loans and borrowings and deposits from customers) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.25 611.86 Td (56.8) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.25 611.86 Td (62.1) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 598.66 Td (Other non-cash items) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 598.66 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 598.66 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 585.66 Td (Profit before adjustments for the ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.05 585.66 Td (fect of changes to current assets and short-term liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.75 584.86 Td (259.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.75 584.86 Td (291.8) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 571.71 Td (Adjustments for:) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 560.66 Td (Change in financial instruments measured at fair value through profit or loss) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.75 560.66 Td (\(5.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 560.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.25 560.66 Td (\(1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 560.66 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 560.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 547.66 Td (\(Increase\)/decrease in other assets \(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.01 547.66 Td (TBI statutory reserve, placements & leases\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.25 546.86 Td (10.8) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 546.86 Td (\(0.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 546.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 533.66 Td (Increase/\(decrease\) in accounts payable to suppliers, contractors and other creditors) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.75 533.66 Td (\(1.1) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 533.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 533.66 Td (3.7) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 520.80 Td (Operating cash flow befor) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.08 520.80 Td (e movements in portfolio and deposits) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.75 520.80 Td (263.7) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.75 520.80 Td (284.0) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 507.66 Td (Increase in loans due from customers) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.75 506.86 Td (\(224.8) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 506.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.75 506.86 Td (\(255.1) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 506.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 493.66 Td (Proceeds from sale of portfolio) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.25 493.66 Td (63.2) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.25 493.66 Td (81.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 480.66 Td (Increase in deposits \(customer and bank deposits\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.25 480.66 Td (47.5) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.25 480.66 Td (16.5) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 467.66 Td (Deposit interest payments) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.75 466.86 Td (\(4.4) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 466.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 466.86 Td (\(4.0) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 466.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 453.80 Td (Gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.83 453.80 Td (oss cash flows fr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.92 453.80 Td (om operating activities) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.75 452.85 Td (145.3) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.75 452.85 Td (123.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 439.66 Td (Corporate income tax paid) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.25 439.66 Td (\(33.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 439.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.25 439.66 Td (\(27.5) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 439.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 426.80 Td (Net cash flows fr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.07 426.80 Td (om operating activities) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.75 426.80 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.25 426.80 Td (12.0) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.25 426.80 Td (95.9) Tj ET Q BT /F2 9.00 Tf ET 0.25882352941176473 0.25882352941176473 0.25882352941176473 RG /GS0 gs 0.86 w 0 i [] 0 d 1 J 1 j 3 M 39 412.79633789062495 m 183.263671875 412.79633789062495 l s q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 414.20 Td (Cash flows used in investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 402.66 Td (Purchase of property and equipment and intangible assets) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.75 402.66 Td (\(8.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 402.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 402.66 Td (\(8.4) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 402.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 389.66 Td (Purchase of financial instruments) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.25 389.66 Td (\(30.8) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 389.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.25 389.66 Td (\(13.6) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 389.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 376.66 Td (Loans issued to related parties) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.00 376.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 376.66 Td (\(2.6) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 376.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 363.66 Td (Loans repaid from related parties) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 363.66 Td (4.1) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 363.66 Td (7.4) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 350.66 Td (Interest received from related parties) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 350.66 Td (8.2) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 350.66 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 337.66 Td (Disposal of subsidiaries, net of cash disposed) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.00 336.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 336.86 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 336.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 323.66 Td (\(Acquisition\)/Disposal of equity investments) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 323.66 Td (7.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 323.66 Td (\(5.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 323.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 310.66 Td (Acquisition of non-controlling interests) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.75 309.86 Td (\(0.4) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 309.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 309.86 Td (\(4.4) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 309.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 296.66 Td (Acquisition of subsidiaries, net of cash acquired) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.75 296.66 Td (\(0.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 296.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.00 296.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 283.66 Td (Prepayment for potential investment) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.00 282.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.25 282.86 Td (20.8) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 269.80 Td (Net cash flows fr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.07 269.80 Td (om investing activities) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.25 269.80 Td (\(19.6) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 269.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 269.80 Td (\(3.8) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 269.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0.25882352941176473 0.25882352941176473 0.25882352941176473 RG /GS0 gs 0.86 w 0 i [] 0 d 1 J 1 j 3 M 39 255.39633789062498 m 176.3291015625 255.39633789062498 l s q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 256.80 Td (Cash flows fr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.84 256.80 Td (om financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 244.66 Td (Loans received and notes issued) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.00 244.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 244.66 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 232.66 Td (Repayment and repurchase of loans and notes) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.25 231.86 Td (\(84.1) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 231.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.25 231.86 Td (\(27.2) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 231.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 218.66 Td (Interest payments) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.25 217.86 Td (\(49.6) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 217.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.25 217.86 Td (\(52.7) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 217.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 204.66 Td (FX hedging mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.83 204.66 Td (gin) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 204.66 Td (9.0) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 204.66 Td (4.2) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 191.66 Td (Payment of lease liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.75 191.66 Td (\(4.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 191.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.00 191.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 178.66 Td (Dividend payments) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.25 178.66 Td (\(14.0) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 178.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.75 178.66 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 178.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 165.80 Td (Net cash flows used in financing activities) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.75 165.80 Td (\(143.0) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 165.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.25 165.80 Td (\(75.3) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.00 165.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0.25882352941176473 0.25882352941176473 0.25882352941176473 RG /GS0 gs 0.86 w 0 i [] 0 d 1 J 1 j 3 M 39 151.39633789062498 m 238.15576171875 151.39633789062498 l s q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 152.80 Td (Net incr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 70.07 152.80 Td (ease/\(decr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.39 152.80 Td (ease\) in cash and cash equivalents) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.25 152.80 Td (\(50.6) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.00 152.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.25 152.80 Td (16.8) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 139.80 Td (Cash and cash equivalents at the beginning of the period ) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.75 138.85 Td (148.8) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.75 138.85 Td (131.9) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 45.00 125.66 Td (Ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.33 125.66 Td (fect of exchange rate fluctuations on cash) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.75 125.66 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.75 125.66 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 112.80 Td (Cash and cash equivalents at the end of the period ) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.25 112.80 Td (98.5) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.75 112.80 Td (148.8) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 99.80 Td (TBI Bank minimum statutory r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.35 99.80 Td (eserve) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.25 99.80 Td (27.2) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.25 99.80 Td (23.4) Tj ET Q BT /F2 9.00 Tf ET 0.25882352941176473 0.25882352941176473 0.25882352941176473 RG /GS0 gs 0.86 w 0 i [] 0 d 1 J 1 j 3 M 39 85.39633789062498 m 211.7138671875 85.39633789062498 l s q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 86.80 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.18 86.80 Td (otal cash on hand and cash at central banks) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.75 86.80 Td (125.7) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.75 86.80 Td (172.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 28.40 Td (14) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 790.10 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.63 790.10 Td (cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.59 790.10 Td (flows ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.00 790.10 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.63 790.10 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.58 790.10 Td (activities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.87 790.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.84 790.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.24 790.10 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.54 790.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.16 790.10 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.79 790.10 Td (12.0 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.48 790.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.37 790.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.56 790.10 Td (compared ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.18 790.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.14 790.10 Td (95.9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.83 790.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.73 790.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.92 790.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.88 790.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.29 790.10 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.03 790.10 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 523.76 790.10 Td (last ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.84 790.10 Td (year) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 556.50 790.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 778.10 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.78 778.10 Td (cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.89 778.10 Td (used ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.57 778.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.69 778.10 Td (investing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.70 778.10 Td (activities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.14 778.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.04 778.10 Td (19.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.88 778.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 252.77 778.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.12 778.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.24 778.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.80 778.10 Td (Period, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.75 778.10 Td (mainly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.87 778.10 Td (due ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.65 778.10 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.77 778.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.33 778.10 Td (purchases ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.11 778.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.78 778.10 Td (government ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.89 778.10 Td (bonds ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.12 778.10 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.13 778.10 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 766.10 Td (management ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.34 766.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.21 766.10 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.57 766.10 Td (Bank. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.27 766.10 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.07 766.10 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.40 766.10 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.55 766.10 Td (cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.57 766.10 Td (flows ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.04 766.10 Td (used ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.63 766.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.66 766.10 Td (financing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.68 766.10 Td (activities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.03 766.10 Td (reflected ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.25 766.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.72 766.10 Td (repayment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.18 766.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.76 766.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.23 766.10 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.49 766.10 Td (Notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.07 766.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.60 766.10 Td (August, ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 754.10 Td (repurchase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.81 754.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.64 754.10 Td ($25 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.14 754.10 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.53 754.10 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.36 754.10 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.31 754.10 Td (2022 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.81 754.10 Td (Notes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.64 754.10 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.91 754.10 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.63 754.10 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.24 754.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.18 754.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.11 754.10 Td (payments, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.44 754.10 Td (partly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 384.26 754.10 Td (of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.41 754.10 Td (fset ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 409.35 754.10 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.85 754.10 Td (incoming ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.12 754.10 Td (FX ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.41 754.10 Td (hedging ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.12 754.10 Td (mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 527.49 754.10 Td (gin.) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 739.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 713.30 Td (TBI ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 59.68 713.30 Td (Bank ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 89.37 713.30 Td (Appendix: ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 146.38 713.30 Td (Income ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 187.38 713.30 Td (Statement, ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 245.36 713.30 Td (Balance ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 289.03 713.30 Td (Sheet ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 320.02 713.30 Td (and ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 342.37 713.30 Td (Key ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 366.03 713.30 Td (Ratios) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 689.30 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.32 689.30 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.64 689.30 Td (finalised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.85 689.30 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.83 689.30 Td (purchase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.14 689.30 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.04 689.30 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.92 689.30 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.80 689.30 Td (EAD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.12 689.30 Td (\(TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.66 689.30 Td (Bank\), ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.70 689.30 Td (via ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.69 689.30 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.68 689.30 Td (acquisition ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.33 689.30 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.23 689.30 Td (TBIF ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.67 689.30 Td (Financial ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.66 689.30 Td (Services ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.30 689.30 Td (B.V) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.41 689.30 Td (., ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.18 689.30 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.12 689.30 Td (August ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 677.30 Td (2016. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.32 677.30 Td (Presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.01 677.30 Td (here ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.04 677.30 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.52 677.30 Td (illustration ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.67 677.30 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.93 677.30 Td (reference ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 233.93 677.30 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.82 677.30 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.75 677.30 Td (Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.64 677.30 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.35 677.30 Td (results ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.27 677.30 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.75 677.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.79 677.30 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.44 677.30 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.26 677.30 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.53 677.30 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.56 677.30 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.38 677.30 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.29 677.30 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.29 677.30 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 516.11 677.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.36 677.30 Td (twelve) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 665.30 Td (months ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.95 665.30 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.67 665.30 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.17 665.30 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.75 665.30 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.75 665.30 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.75 665.30 Td ( ) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 641.30 Td (Income statement) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 617.30 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.09 617.30 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.07 617.30 Td (below ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.05 617.30 Td (sets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.60 617.30 Td (out ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.92 617.30 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.68 617.30 Td (consolidated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.77 617.30 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.75 617.30 Td (statement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.61 617.30 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.70 617.30 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.36 617.30 Td (Bank, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.51 617.30 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.37 617.30 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 374.91 617.30 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.67 617.30 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.77 617.30 Td (basis ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.31 617.30 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.18 617.30 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 455.95 617.30 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.28 617.30 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 489.71 617.30 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.69 617.30 Td (statement ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 605.30 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.16 605.30 Td (ease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.87 605.30 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.70 605.30 Td (comparison.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 568.8 m 436.5 568.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 568.8 m 441.5 568.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 568.8 m 506.5 568.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 568.8 m 436.5 568.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 568.8 m 506.5 568.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 554.8 m 436.5 554.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 554.8 m 506.5 554.8 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 371.5 499.79999999999995 m 436.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 441.5 499.79999999999995 m 506.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 371.5 457.79999999999995 m 436.5 457.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 441.5 457.79999999999995 m 506.5 457.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 371.5 443.79999999999995 m 436.5 443.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 441.5 443.79999999999995 m 506.5 443.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 371.5 429.79999999999995 m 436.5 429.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 441.5 429.79999999999995 m 506.5 429.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 371.5 415.79999999999995 m 436.5 415.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 441.5 415.79999999999995 m 506.5 415.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 441.5 415.79999999999995 m 506.5 415.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 371.5 387.79999999999995 m 436.5 387.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 441.5 387.79999999999995 m 506.5 387.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 371.5 331.79999999999995 m 436.5 331.79999999999995 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 441.5 331.79999999999995 m 506.5 331.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 303.79999999999995 m 436.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 303.79999999999995 m 506.5 303.79999999999995 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.55 573.75 Td (12 months to 31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.00 559.75 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.00 559.75 Td (2018) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.35 546.20 Td (\(in millions of \)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 532.37 Td ( Interest Income) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 532.37 Td (82.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.15 532.37 Td (74.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 518.37 Td ( Interest Expense) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.80 518.42 Td (\(3.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.65 518.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.80 518.42 Td (\(3.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.65 518.37 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 504.53 Td ( Net Inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.56 504.53 Td (est Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 504.53 Td (79.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.15 504.53 Td (71.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 490.37 Td ( Net F&C Income) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 490.37 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.15 490.37 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 476.37 Td ( Other operating income) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.15 476.37 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.15 476.37 Td (0.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 462.53 Td ( Non-Inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.18 462.53 Td (est Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 462.53 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.15 462.53 Td (1.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.15 462.53 Td (10.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 448.53 Td ( Operating Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 448.53 Td (90.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.15 448.53 Td (81.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 434.53 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.41 434.53 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.53 434.53 Td (otal operating costs) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.80 434.58 Td (\(46.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.65 434.53 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.80 434.58 Td (\(41.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.65 434.53 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 420.53 Td ( Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.96 420.53 Td (e-pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.54 420.53 Td (ovision operating pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.48 420.53 Td (ofit) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 420.53 Td (43.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.15 420.53 Td (40.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 406.37 Td ( Net impairment char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.15 406.37 Td (ges) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.80 406.42 Td (\(15.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.65 406.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.80 406.42 Td (\(21.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.65 406.37 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 392.53 Td ( Post-pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.07 392.53 Td (ovision operating pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.01 392.53 Td (ofit) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 392.53 Td (28.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.15 392.53 Td (18.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 378.37 Td ( Depreciation and amortisation) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.80 378.42 Td (\(1.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.65 378.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.80 378.42 Td (\(1.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.65 378.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 364.37 Td ( Non-recurring income/\(expense\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.15 364.37 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.15 364.37 Td (0.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 350.37 Td ( Net FX gain/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.80 350.42 Td (\(2.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.65 350.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.80 350.42 Td (\(1.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.65 350.37 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 336.53 Td ( Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.96 336.53 Td (e-tax pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.37 336.53 Td (ofit) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 336.53 Td (26.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.15 336.53 Td (16.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 322.37 Td ( Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.80 322.42 Td (\(3.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.65 322.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.80 322.42 Td (\(2.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.65 322.37 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.00 308.53 Td ( Net pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.81 308.53 Td (ofit after) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.10 308.53 Td ( tax) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.15 308.53 Td (22.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.15 308.53 Td (14.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 28.40 Td (15) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 790.25 Td (Balance sheet) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 766.25 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.47 766.25 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.82 766.25 Td (below ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.18 766.25 Td (sets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.09 766.25 Td (out ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.79 766.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.93 766.25 Td (statement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.17 766.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.42 766.25 Td (financial ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.32 766.25 Td (position ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.46 766.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.83 766.25 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.86 766.25 Td (Bank. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.38 766.25 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.19 766.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.33 766.25 Td (purpose ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.91 766.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.16 766.25 Td (consolidation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.96 766.25 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.66 766.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.79 766.25 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 537.12 766.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 754.25 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.96 754.25 Td (sheet, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.43 754.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.07 754.25 Td (fair ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.38 754.25 Td (values ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.35 754.25 Td (assessed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.66 754.25 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.41 754.25 Td (part ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.38 754.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.14 754.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.78 754.25 Td (Group) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.11 754.25 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.43 754.25 Td (updated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.51 754.25 Td (goodwill ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.49 754.25 Td (calculation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.79 754.25 Td (under ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.98 754.25 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.53 754.25 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.16 754.25 Td (used, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.42 754.25 Td (rather ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 509.16 754.25 Td (than ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 528.80 754.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 742.25 Td (book ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.50 742.25 Td (values ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 86.55 742.25 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 127.36 742.25 Td (below) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.15 742.25 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.15 742.25 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.65 742.25 Td ( ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 696.75 m 432.5 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 696.75 m 507.5 696.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362.5 628.75 m 432.5 628.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362.5 614.75 m 432.5 614.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 437.5 628.75 m 507.5 628.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 437.5 614.75 m 507.5 614.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362.5 517.75 m 432.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 505.75 m 432.5 505.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 437.5 517.75 m 507.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 505.75 m 507.5 505.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362.5 436.75 m 432.5 436.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362.5 423.75 m 432.5 423.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 437.5 436.75 m 507.5 436.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 437.5 423.75 m 507.5 423.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362.5 382.75 m 432.5 382.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 362.5 369.75 m 432.5 369.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 437.5 382.75 m 507.5 382.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 437.5 369.75 m 507.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 356.75 m 432.5 356.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 437.5 369.75 m 507.5 369.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 356.75 m 507.5 356.75 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.95 710.70 Td (31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.00 701.70 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.95 710.70 Td (31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.00 701.70 Td (2018) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 403.35 686.20 Td (\(in millions of \)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 672.32 Td ( Cash and cash equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.80 672.32 Td (49.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.80 672.32 Td (61.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 658.32 Td ( Placements with other banks) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 658.32 Td (6.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 658.32 Td (8.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 645.32 Td ( Gross receivables due from customers) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 645.32 Td (357.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.80 645.32 Td (301.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 632.32 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.22 632.32 Td (Allowance for impairment) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.45 632.32 Td (\(40.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 428.30 632.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.45 632.32 Td (\(38.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 503.30 632.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 619.48 Td ( Net r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.34 619.48 Td (eceivables due fr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.25 619.48 Td (om customers) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 619.43 Td (317.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.80 619.43 Td (263.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 605.32 Td ( Net investments in finance leases) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 605.32 Td (5.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 605.32 Td (8.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 591.32 Td ( Property and equipment) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 591.32 Td (9.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 591.32 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 577.32 Td ( Financial assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.80 577.32 Td (59.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.80 577.32 Td (33.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 563.32 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.41 563.32 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.08 563.32 Td (ax assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 563.32 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 563.32 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 549.32 Td ( Prepaid expenses) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 549.32 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 549.32 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 535.32 Td ( Intangible assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 535.32 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 535.32 Td (3.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 521.32 Td ( Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 521.32 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 521.32 Td (8.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 508.48 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.41 508.48 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.53 508.48 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 508.48 Td (465.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.80 508.48 Td (396.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 482.32 Td ( Loans and borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 482.32 Td (0.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 482.32 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 468.32 Td ( Deposits from customers) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 468.32 Td (31) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 468.32 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.80 468.32 Td (271.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 454.32 Td ( Deposits from banks) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.80 454.32 Td (13.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 454.32 Td (2.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 441.32 Td ( Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.80 441.32 Td (23.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.80 441.32 Td (17.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 427.48 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.41 427.48 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.53 427.48 Td (otal liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 427.48 Td (348.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.80 427.48 Td (291.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 414.32 Td ( Share capital) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.80 414.32 Td (41.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.80 414.32 Td (41.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 401.32 Td ( Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.80 401.32 Td (74.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.80 401.32 Td (59.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 387.32 Td ( Reserves) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.80 387.32 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.80 387.32 Td (3.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 373.48 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.32 373.48 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.07 373.48 Td (otal equity) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 373.48 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.80 373.48 Td (16.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.80 373.48 Td (105.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.00 360.48 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 73.32 360.48 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.07 360.48 Td (otal shar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.39 360.48 Td (eholders) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.50 360.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.83 360.48 Td ( equity and liabilities ) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.80 360.48 Td (465.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 480.80 360.48 Td (396.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 321.25 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.05 321.25 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.32 321.25 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.82 321.25 Td (figure ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.19 321.25 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.36 321.25 Td (after ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.18 321.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.89 321.25 Td (payment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.83 321.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.66 321.25 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.60 321.25 Td (maiden ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.53 321.25 Td (dividend ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.03 321.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.86 321.25 Td (8 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.36 321.25 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.75 321.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.03 321.25 Td (March ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.62 321.25 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 309.25 Td (Financial ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.71 309.25 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.54 309.25 Td (include ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.48 309.25 Td (mainly ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.75 309.25 Td (government ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.01 309.25 Td (bonds ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.40 309.25 Td (held ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.12 309.25 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.44 309.25 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 291.05 309.25 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 314.66 309.25 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.82 309.25 Td (liquidity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.21 309.25 Td (purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 297.25 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.42 297.25 Td (Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.31 297.25 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.52 297.25 Td (purchase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.37 297.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.01 297.25 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.54 297.25 Td (Bulgarian ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.29 297.25 Td (online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.60 297.25 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.91 297.25 Td (business ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.12 297.25 Td (\(vivus.bg\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.26 297.25 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.25 297.25 Td (shown ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.67 297.25 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.32 297.25 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.07 297.25 Td (investment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.27 297.25 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 444.91 297.25 Td (2.6 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 464.73 297.25 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.93 297.25 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.02 297.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 285.25 Td (assets.) Tj ET Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 28.40 Td (16) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 790.25 Td (Loan portfolio) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 766.25 Td (Below are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.13 766.25 Td (TBI Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.63 766.25 Td (s receivables, including accrued interest, split by consumer and SME customers.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 442.93 766.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td ( ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460 741.75 m 529 741.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 741.75 m 372 741.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376 741.75 m 456 741.75 l s BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.15 746.70 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 348.29 746.70 Td ( 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.15 746.70 Td (31 December) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.29 746.70 Td ( 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.70 746.70 Td (% Change) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.50 732.48 Td (Gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.63 732.48 Td (oss r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.17 732.48 Td (eceivables by type) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.35 733.15 Td (\(in millions of \)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.50 720.37 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.65 720.37 Td (289.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.65 720.37 Td (247.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.50 720.37 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.15 720.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.50 707.42 Td (SME \(including financial leases\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.65 707.42 Td (74.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.65 707.42 Td (62.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.50 707.42 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.15 707.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.50 692.43 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.71 692.43 Td (otal gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.21 692.43 Td (oss r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.75 692.43 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.65 692.43 Td (364.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.65 692.43 Td (310.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.50 692.43 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.50 692.43 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.50 677.42 Td (Provisions) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.30 677.47 Td (\(41.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 368.15 677.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.30 677.47 Td (\(38.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.15 677.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.50 677.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.15 677.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 76.50 662.43 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.25 662.43 Td (otal net r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.95 662.43 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.65 662.43 Td (323.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 429.65 662.43 Td (271.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.50 662.43 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.50 662.43 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 634.25 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.44 634.25 Td (31 December 2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.53 634.25 Td (, consumer loans made up 74% of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.65 634.25 Td (TBI Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.14 634.25 Td (s gross loans, slightly down from 78% as of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.91 634.25 Td (31 December ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 622.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 56.00 622.25 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.82 622.25 Td (The overall loan portfolio has a roughly equal contribution from both Bulgaria and Romania.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 598.25 Td (The non-performing receivables ratios by loan type are shown below) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.09 598.25 Td (.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 575.75 m 380.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 575.75 m 459.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 575.75 m 527.5 575.75 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.15 579.15 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.75 579.15 Td (SME \(incl. leases\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.00 579.15 Td (Overall) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 565.42 Td (Non-performing receivables to gross receivables ratio) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.15 565.42 Td (14.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.65 565.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.15 565.42 Td (19.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.65 565.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.15 565.42 Td (15.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.65 565.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 550.42 Td (Provision coverage ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.42 554.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.15 550.42 Td (88.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.65 550.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 433.15 550.42 Td (28.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.65 550.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.15 550.42 Td (72.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 518.65 550.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 64.5 535.75 m 164.5 535.75 l s BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.00 522.65 Td (Note: \(1\) In addition to provisions, the SME receivables are backed by collateral with average loan-to-value of c.50%.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 501.05 Td (Customer deposits) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 477.05 Td (TBI Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.50 477.05 Td (s customer deposits and current accounts by client and type are shown below) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.54 477.05 Td (. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 443.54999999999995 m 523.5 443.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 443.54999999999995 m 363.5 443.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 443.54999999999995 m 442.5 443.54999999999995 l s BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.90 457.50 Td (31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.00 448.50 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.90 457.50 Td (31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.00 448.50 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.20 453.00 Td (% Change) Tj ET Q BT /F3 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.35 433.00 Td (\(in millions of \)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 418.22 Td (Customer accounts of consumers) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.15 418.22 Td (281.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.15 418.22 Td (224.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.30 418.22 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.65 418.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 403.22 Td ( - Current accounts) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.15 403.22 Td (27.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.15 403.22 Td (21.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.30 403.22 Td (27) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.65 403.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 388.22 Td ( - ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.24 388.22 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.91 388.22 Td (erm deposits) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.15 388.22 Td (254.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.15 388.22 Td (202.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.30 388.22 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.65 388.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 358.22 Td (Customer accounts of SMEs) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.15 358.22 Td (31.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.15 358.22 Td (46.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.95 358.22 Td (\(34) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.30 358.22 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 343.22 Td ( - Current accounts) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.15 343.22 Td (17.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.15 343.22 Td (17.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.95 343.22 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.30 343.22 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 328.22 Td ( - ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.15 328.22 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.56 328.22 Td (erm deposits) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.15 328.22 Td (14.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.15 328.22 Td (29.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.95 328.22 Td (\(52) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.30 328.22 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.00 324.05 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 300.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.83 300.05 Td (reduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.89 300.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.95 300.05 Td (customer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.89 300.05 Td (accounts ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.17 300.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.79 300.05 Td (SMEs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.53 300.05 Td (during ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.92 300.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.43 300.05 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.82 300.05 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.66 300.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.73 300.05 Td (line ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.01 300.05 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.08 300.05 Td (expectations. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.68 300.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.51 300.05 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.88 300.05 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.61 300.05 Td (rate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.88 300.05 Td (paid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 528.38 300.05 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 540.67 300.05 Td (term ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 288.05 Td (deposits ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.35 288.05 Td (varies ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.79 288.05 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.36 288.05 Td (type ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.15 288.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.15 288.05 Td (currency) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.48 288.05 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.55 288.05 Td (ranging ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.66 288.05 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.67 288.05 Td (0.1% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.07 288.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.41 288.05 Td (4.5%. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.31 288.05 Td (Deposit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.99 288.05 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.56 288.05 Td (\(excluding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.89 288.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.67 288.05 Td (state ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 438.57 288.05 Td (deposit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.02 288.05 Td (guarantee ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 511.45 288.05 Td (fund ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.35 288.05 Td (annual ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 276.05 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.03 276.05 Td (ge\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.99 276.05 Td (were ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.62 276.05 Td (1.2% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.65 276.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.50 276.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.92 276.05 Td (Period. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.49 276.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.24 276.05 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.52 276.05 Td (remaining ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.26 276.05 Td (maturity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 311.33 276.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.86 276.05 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.94 276.05 Td (term ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.46 276.05 Td (deposits ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.43 276.05 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.30 276.05 Td (approximately ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.26 276.05 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.89 276.05 Td (1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.08 276.05 Td (months, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 541.23 276.05 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 264.05 Td (strong ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.00 264.05 Td (roll-over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.98 264.05 Td (rates. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.21 264.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.76 264.05 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.63 264.05 Td (term ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.96 264.05 Td (deposit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.84 264.05 Td (balances ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.27 264.05 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.59 264.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.92 264.05 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.92 264.05 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.00 264.05 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.00 264.05 Td (include ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.43 264.05 Td (9.7m ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.71 264.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.04 264.05 Td (deposits ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.82 264.05 Td (gathered ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.24 264.05 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 519.24 264.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.45 264.05 Td (Raisin ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 252.05 Td (platform, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.43 252.05 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.71 252.05 Td (an ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 107.65 252.05 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.23 252.05 Td (remaining ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.28 252.05 Td (maturity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.66 252.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.49 252.05 Td (23 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.99 252.05 Td (months.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 228.05 Td (Capital and liquidity ratios) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 204.05 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.29 204.05 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 77.59 204.05 Td (continues ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.10 204.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.06 204.05 Td (have ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.12 204.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.75 204.05 Td (strong ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.93 204.05 Td (capital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.77 204.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.39 204.05 Td (liquidity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.47 204.05 Td (position. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.22 204.05 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 318.95 204.05 Td (table ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.57 204.05 Td (below ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.19 204.05 Td (shows ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.23 204.05 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.52 204.05 Td (Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.41 204.05 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.48 204.05 Td (statutory ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.66 204.05 Td (capital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.50 204.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.12 204.05 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 192.05 Td (ratios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.10 192.05 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.31 192.05 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.52 192.05 Td (31 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.40 192.05 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.37 192.05 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.37 192.05 Td (. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.75 192.05 Td (Following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.75 192.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 224.84 192.05 Td (Bulgarian ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.16 192.05 Td (National ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.47 192.05 Td (Bank) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.36 192.05 Td (s ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.13 192.05 Td (supervisory ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 384.67 192.05 Td (review ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.76 192.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.97 192.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.07 192.05 Td (banking ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.17 192.05 Td (sector) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.64 192.05 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.02 192.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 520.12 192.05 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 180.05 Td (capital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.06 180.05 Td (adequacy ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.23 180.05 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.97 180.05 Td (requirement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.69 180.05 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.59 180.05 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.11 180.05 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.63 180.05 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.59 180.05 Td (increased ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.76 180.05 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.61 180.05 Td (13.5% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.85 180.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.04 180.05 Td (14.25% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 384.28 180.05 Td (during ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.80 180.05 Td (Q1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.44 180.05 Td (2019. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.17 180.05 Td (This ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.37 180.05 Td (increased ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 512.53 180.05 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.94 180.05 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 531.79 180.05 Td (further ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 168.05 Td (50bps ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 61.81 168.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.50 168.05 Td (14.75% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.24 168.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.93 168.05 Td (October ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.06 168.05 Td (2019, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.47 168.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.82 168.05 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.41 168.05 Td (expected ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.85 168.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.54 168.05 Td (increase ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.21 168.05 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.91 168.05 Td (15.25% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.65 168.05 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.34 168.05 Td (Q2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.48 168.05 Td (2020 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.39 168.05 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.08 168.05 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.21 168.05 Td (introduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.01 168.05 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.25 168.05 Td (counter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.04 168.05 Td (-cyclical ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 528.37 168.05 Td (buf) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 541.52 168.05 Td (fers.) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 36.00 86.05 Td ( ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 145.54999999999995 m 382.5 145.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 145.54999999999995 m 462.5 145.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 145.54999999999995 m 382.5 145.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 145.54999999999995 m 462.5 145.54999999999995 l s BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.95 148.95 Td (Standalone) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.45 148.95 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 135.22 Td (Common equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.13 135.22 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.97 135.22 Td (ier 1 ratio) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.15 135.22 Td (17.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.65 135.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.15 135.22 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 135.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 120.22 Td (Capital adequacy) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.15 120.22 Td (17.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.65 120.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.15 120.22 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 120.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 105.22 Td (Liquidity ratio) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.15 105.22 Td (27.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.65 105.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.65 105.22 Td () Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 75.00 90.22 Td (Liquidity coverage ratio) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.15 90.22 Td (242.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.65 90.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.15 90.22 Td (258.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.65 90.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 35 0 obj <> endobj 36 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 22.90 Td (17) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 783.90 Td (HIST) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 64.46 783.90 Td (ORIC ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 98.80 783.90 Td (QUAR) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 133.71 783.90 Td (TERL) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 165.29 783.90 Td (Y) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 173.51 783.90 Td ( ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 176.51 783.90 Td (RESUL) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 215.42 783.90 Td (TS ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 232.44 783.90 Td (APPENDIX) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 761.90 Td (For ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.39 761.90 Td (ease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.10 761.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.93 761.90 Td (reference, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.11 761.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.05 761.90 Td (summary ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 171.77 761.90 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.70 761.90 Td (statement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.52 761.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.02 761.90 Td (quarter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.84 761.90 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.77 761.90 Td (Q4 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.50 761.90 Td (2017 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.00 761.90 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.17 761.90 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.98 761.90 Td (below) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.77 761.90 Td (.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 740.90 Td (Income ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 69.61 740.90 Td (statement) Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 713.85 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 93.76 713.85 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.26 713.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.20 715.80 Td (Q4 2017) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.95 715.80 Td ( Q1 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.20 715.80 Td (Q2 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.20 715.80 Td (Q3 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 358.20 715.80 Td (Q4 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.20 715.80 Td (Q1 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.20 715.80 Td (Q2 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 484.20 715.80 Td (Q3 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.20 715.80 Td (Q4 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 700.80 Td (Inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.41 700.80 Td (est Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.10 700.13 Td (120.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.15 700.13 Td (123.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.10 700.13 Td (122.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.10 700.13 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.10 700.13 Td (16.1) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 367.10 700.08 Td (1) Tj ET Q q 0 0 0 rg BT 372.10 700.08 Td (13.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.10 700.08 Td (106.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.10 700.08 Td (106.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.10 700.08 Td (105.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.10 700.08 Td (104.8) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 686.66 Td (Interest Expense) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.80 685.97 Td (\(16.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 685.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.80 685.97 Td (\(14.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.65 685.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.80 686.02 Td (\(15.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.65 685.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.80 686.02 Td (\(16.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.65 685.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 368.80 686.02 Td (\(15.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 685.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 686.02 Td (\(15.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 685.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.80 686.02 Td (\(15.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 685.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 686.02 Td (\(14.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.65 685.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.80 685.97 Td (\(12.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.65 685.97 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 672.80 Td (Net Inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.15 672.80 Td (est Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.10 672.13 Td (104.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.15 672.13 Td (108.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.10 672.13 Td (106.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.10 672.13 Td (100.1) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 372.15 672.08 Td (98.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.15 672.08 Td (91.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 672.08 Td (91.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 672.08 Td (91.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.15 672.08 Td (92.2) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 658.66 Td (Net F&C Income) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.15 657.97 Td (3.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.15 657.97 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.15 657.97 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.15 657.97 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 377.15 657.97 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 657.97 Td (2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 657.97 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 657.97 Td (2.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 657.97 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 644.66 Td (Other operating income) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.15 643.97 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 251.15 643.97 Td (2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 643.97 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.15 643.97 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.15 643.97 Td (2.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 643.97 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 643.97 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 643.97 Td (2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 643.97 Td (2.3) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 630.80 Td (Non-Inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 77.41 630.80 Td (est Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.15 630.13 Td (5.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.15 630.13 Td (4.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.15 630.13 Td (4.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.15 630.13 Td (4.9) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 377.15 630.08 Td (4.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.15 630.08 Td (4.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 630.08 Td (4.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 503.15 630.08 Td (4.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 630.08 Td (5.2) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 616.80 Td (Operating Income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.10 616.13 Td (109.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.15 616.13 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 616.13 Td (12.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.10 616.13 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.10 616.13 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.10 616.13 Td (1.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.10 616.13 Td (105.0) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 367.10 616.08 Td (102.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.15 616.08 Td (95.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 616.08 Td (95.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 616.08 Td (96.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.15 616.08 Td (97.3) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 602.80 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.59 602.80 Td (otal operating costs) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.80 602.13 Td (\(64.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 602.13 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.80 602.13 Td (\(61.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.65 602.13 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.80 602.18 Td (\(59.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.65 602.13 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.80 602.18 Td (\(51.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.65 602.13 Td (\)) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 368.80 602.13 Td (\(53.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 602.08 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.80 602.13 Td (\(49.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.65 602.08 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.80 602.13 Td (\(50.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 602.08 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.80 602.13 Td (\(48.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.65 602.08 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.80 602.08 Td (\(49.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 555.65 602.08 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 588.80 Td (Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 48.41 588.80 Td (e-pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.24 588.80 Td (ovision operating pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.58 588.80 Td (ofit) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.15 588.13 Td (45.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 588.13 Td (51.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.15 588.13 Td (52.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 588.13 Td (54.0) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 372.15 588.08 Td (49.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.15 588.08 Td (45.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 588.08 Td (45.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 588.08 Td (48.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.15 588.08 Td (47.6) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 574.66 Td (Net impairment char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.39 574.66 Td (ges) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 198.80 573.97 Td (\(34.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.65 573.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.80 573.97 Td (\(36.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.65 573.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.80 574.02 Td (\(26.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.65 573.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.80 574.02 Td (\(30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 573.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.80 574.02 Td (\(29.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 573.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 574.02 Td (\(32.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 573.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.80 574.02 Td (\(28.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 573.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 574.02 Td (\(31.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.65 573.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.80 573.97 Td (\(30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.65 573.97 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 560.80 Td (Post-pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.41 560.80 Td (ovision operating pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.76 560.80 Td (ofit) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.15 560.13 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.15 560.13 Td (1.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 560.13 Td (15.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.15 560.13 Td (25.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 560.13 Td (23.4) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 372.15 560.08 Td (19.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.15 560.08 Td (13.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 560.08 Td (17.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 560.08 Td (16.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.15 560.08 Td (17.1) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 546.66 Td (Depreciation and amortisation) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.80 545.97 Td (\(2.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 545.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.80 545.97 Td (\(2.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.65 545.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.80 546.02 Td (\(2.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.65 545.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.80 546.02 Td (\(3.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.65 545.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 373.80 546.02 Td (\(3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 545.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.80 546.02 Td (\(3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 545.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 546.02 Td (\(3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 545.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 546.02 Td (\(4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.65 545.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 545.97 Td (\(4.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.65 545.97 Td (\)) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 532.66 Td (Non-recurring income/\(expense\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.15 531.97 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 251.15 531.97 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 531.97 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.15 531.97 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.80 532.02 Td (\(1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 531.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.80 532.02 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 531.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 531.97 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 531.97 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 531.97 Td (\(1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.65 531.97 Td (\)) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 518.66 Td (Net FX) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.80 517.97 Td (\(1.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 517.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.15 517.97 Td (2.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 284.80 518.02 Td (\(14.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.65 517.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.80 518.02 Td (\(5.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.65 517.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 377.15 517.97 Td (5.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 517.97 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 517.97 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 518.02 Td (\(0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.65 517.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 517.97 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 504.66 Td (One-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.33 504.66 Td (f adj. of intangible assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.80 503.97 Td (\(46.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 503.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.65 503.97 Td () Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.65 503.97 Td () Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.65 503.97 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 373.80 504.02 Td (\(6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 503.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 503.97 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 504.02 Td (\(0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 503.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 504.02 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.65 503.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 503.97 Td (\(1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.65 503.97 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 490.80 Td (Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 48.41 490.80 Td (e-tax pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.49 490.80 Td (ofit) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.80 490.13 Td (\(38.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 490.13 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 490.13 Td (15.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.15 490.13 Td (9.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 490.13 Td (14.6) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 372.15 490.08 Td (13.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.15 490.08 Td (1) Tj ET Q q 0 0 0 rg BT 419.15 490.08 Td (1.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 490.08 Td (15.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 490.08 Td (1) Tj ET Q q 0 0 0 rg BT 503.15 490.08 Td (1.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.15 490.08 Td (12.1) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 476.66 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.80 475.97 Td (\(12.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 475.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.80 475.97 Td (\(4.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.65 475.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.80 476.02 Td (\(3.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 305.65 475.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.80 476.02 Td (\(6.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 347.65 475.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 368.80 476.02 Td (\(12.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 475.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.80 476.02 Td (\(6.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 475.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 476.02 Td (\(5.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 475.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 476.02 Td (\(5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.65 475.97 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 475.97 Td (\(4.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.65 475.97 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 462.80 Td (Net pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.66 462.80 Td (ofit after) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.23 462.80 Td ( tax) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.80 462.13 Td (\(51.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 462.13 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 462.13 Td (10.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.15 462.13 Td (6.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.15 462.13 Td (8.3) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 377.15 462.08 Td (1.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.15 462.08 Td (5.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 462.08 Td (9.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 503.15 462.08 Td (5.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 462.08 Td (7.2) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 430.80 Td (EBITDA) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.80 430.13 Td (\(19.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.65 430.13 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 430.13 Td (32.6) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.15 430.13 Td (27.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 430.13 Td (34.0) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 372.15 430.13 Td (32.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.15 430.13 Td (30.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 430.13 Td (34.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 430.13 Td (30.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.15 430.13 Td (29.7) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 417.80 Td (Adjusted EBITDA) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.15 417.13 Td (28.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 417.13 Td (32.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.15 417.13 Td (42.1) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 417.13 Td (39.9) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 372.15 417.13 Td (34.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.15 417.13 Td (29.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 417.13 Td (33.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 417.13 Td (31.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.15 417.13 Td (29.7) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 39.00 375.08 Td (Loan ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 63.17 375.08 Td (issuance) Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 360.96 Td (\(in millions of ) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 93.76 360.96 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.76 360.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 39.00 338.85 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 338.85 Td (otal value of online loans issued) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.10 339.08 Td (349.5) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.15 339.08 Td (337.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.10 339.08 Td (305.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.10 339.08 Td (289.4) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.10 339.08 Td (276.7) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 409.10 339.08 Td (260.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.10 339.08 Td (263.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.10 339.08 Td (253.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.10 339.08 Td (238.4) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 325.66 Td (Single Payment Loans ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.24 329.74 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.10 324.97 Td (256.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.15 324.97 Td (237.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.10 324.97 Td (222.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.10 324.97 Td (206.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.10 324.97 Td (195.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 409.10 324.97 Td (167.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.10 324.97 Td (169.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.10 324.97 Td (170.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.10 324.97 Td (162.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 310.66 Td (Instalment Loans) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.15 309.97 Td (55.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 309.97 Td (63.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.15 309.97 Td (45.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 309.97 Td (44.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.15 309.97 Td (44.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.15 309.97 Td (46.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.15 309.97 Td (44.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.15 309.97 Td (35.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.15 309.97 Td (29.5) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 297.66 Td (Lines of Credit ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.74 301.74 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.15 296.97 Td (37.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 296.97 Td (37.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.15 296.97 Td (38.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 296.97 Td (39.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.15 296.97 Td (37.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.15 296.97 Td (46.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.15 296.97 Td (48.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.15 296.97 Td (47.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.15 296.97 Td (46.6) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 269.80 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.18 269.80 Td (otal value of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.26 269.80 Td (TBI Bank loans ) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 259.00 Td (issued) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.15 256.08 Td (71.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 256.08 Td (60.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.15 256.08 Td (60.8) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 256.08 Td (73.3) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.15 256.08 Td (86.9) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.15 256.08 Td (68.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.15 256.08 Td (78.0) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.15 256.08 Td (87.2) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.10 256.08 Td (103.3) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 242.66 Td (SME) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 207.15 241.97 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.15 241.97 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 241.97 Td (9.4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.15 241.97 Td (8.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.15 241.97 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.15 241.97 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.15 241.97 Td (13.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.15 241.97 Td (15.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.15 241.97 Td (13.4) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 229.66 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.15 228.97 Td (63.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.15 228.97 Td (53.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.15 228.97 Td (51.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.15 228.97 Td (64.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.15 228.97 Td (77.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.15 228.97 Td (58.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.15 228.97 Td (64.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.15 228.97 Td (71.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.15 228.97 Td (89.8) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 64.5 203.39999999999998 m 164.5 203.39999999999998 l s BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 67.50 192.43 Td (Notes: \(1\) Reflects reclassification of ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.22 192.43 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0 0 0 rg BT 168.38 192.43 Td (V) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 172.68 192.43 Td (ivus) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.52 192.43 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0 0 0 rg BT 185.20 192.43 Td ( brand products in Denmark, Sweden and ) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 294.22 192.43 Td (Armenia, and \(from Q1 2019 onwards\) the ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.20 192.43 Td (SMS Credit) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.92 192.43 Td ( and Ondo) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0 0 0 rg BT 472.84 192.43 Td ( products in Latvia to Lines of ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 67.50 180.43 Td (Credit) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 85.50 168.43 Td (\(2\) Includes Point of Sale Loans) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 22.90 Td (18) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 785.25 Td (Loan ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 60.17 785.25 Td (portfolio ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 98.23 785.25 Td (\(receivables, ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 152.09 785.25 Td (including ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 194.05 785.25 Td (accrued ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 229.32 785.25 Td (interest\)) Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 757.70 Td (\(in millions of ) Tj ET Q BT /F4 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 93.76 757.70 Td () Tj ET Q BT /F3 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.26 757.70 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.20 757.70 Td (Q1 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.20 757.70 Td (Q2 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.20 757.70 Td (Q3 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.95 757.70 Td (Q4 2018) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.20 757.70 Td (Q1 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.20 757.70 Td (Q2 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.20 757.70 Td (Q3 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 504.20 757.70 Td (Q4 2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 739.15 Td (Single payment loans ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.76 743.23 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 726.01 Td (- Performing) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 724.42 Td (180.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.15 724.42 Td (163.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 724.42 Td (153.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.15 724.42 Td (142.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.15 724.42 Td (1) Tj ET Q q 0 0 0 rg BT 363.15 724.42 Td (16.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 724.42 Td (1) Tj ET Q q 0 0 0 rg BT 413.15 724.42 Td (16.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 724.42 Td (1) Tj ET Q q 0 0 0 rg BT 463.15 724.42 Td (14.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 724.42 Td (1) Tj ET Q q 0 0 0 rg BT 513.15 724.42 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 711.01 Td (- NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.92 711.01 Td ( ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.17 715.09 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 163.15 709.42 Td (55.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.15 709.42 Td (53.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 709.42 Td (39.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 709.42 Td (40.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.15 709.42 Td (31.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 709.42 Td (34.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 709.42 Td (42.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 709.42 Td (37.8) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 696.15 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.17 696.15 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.67 696.15 Td (otal gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.42 696.15 Td (oss r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.01 696.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 695.43 Td (236.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.15 695.43 Td (217.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 695.43 Td (193.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.15 695.43 Td (182.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 695.43 Td (148.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 695.43 Td (150.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.15 695.43 Td (157.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.15 695.43 Td (151.1) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 682.01 Td (- Provisions) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 159.80 680.42 Td (\(72.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.65 680.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.80 680.42 Td (\(69.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.65 680.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.80 680.42 Td (\(53.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.65 680.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.80 680.47 Td (\(51.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 680.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.80 680.47 Td (\(44.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 680.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.80 680.47 Td (\(47.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 680.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 680.47 Td (\(54.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 680.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.80 680.47 Td (\(49.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 680.42 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 667.15 Td (- Net r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.90 667.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 665.43 Td (163.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.15 665.43 Td (147.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 665.43 Td (140.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.15 665.43 Td (131.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 665.43 Td (104.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 665.43 Td (103.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.15 665.43 Td (102.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.15 665.43 Td (101.3) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 652.01 Td (- Provisions to gross) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 641.21 Td (receivables) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 646.37 Td (30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 646.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 646.37 Td (32.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 646.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 646.37 Td (27.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 646.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 646.37 Td (28.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 646.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 646.37 Td (29.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 646.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 646.37 Td (31.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 646.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 646.37 Td (34.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 646.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 646.37 Td (33.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 646.37 Td (%) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 628.01 Td (- Gross NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.33 628.01 Td ( ratio) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 626.42 Td (23.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 626.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 626.42 Td (24.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 626.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 626.42 Td (20.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 626.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 626.42 Td (22.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 626.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 626.42 Td (21.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 626.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 626.42 Td (23.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 626.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 626.42 Td (27.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 626.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 626.42 Td (25.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 626.42 Td (%) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 609.15 Td (Instalment loans ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.01 613.23 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 596.01 Td (- Performing) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 594.42 Td (143.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.15 594.42 Td (146.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 594.42 Td (145.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.15 594.42 Td (140.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.15 594.42 Td (144.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 594.42 Td (150.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 594.42 Td (141.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 594.42 Td (127.2) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 581.01 Td (- NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.92 581.01 Td ( ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.17 585.09 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 163.15 579.42 Td (34.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.15 579.42 Td (33.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 579.42 Td (43.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 579.42 Td (38.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.15 579.42 Td (41.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 579.42 Td (27.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 579.42 Td (35.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 579.42 Td (42.1) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 566.15 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.17 566.15 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.67 566.15 Td (otal gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.42 566.15 Td (oss r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.01 566.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 565.43 Td (178.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.15 565.43 Td (180.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 565.43 Td (188.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.15 565.43 Td (179.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 565.43 Td (186.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 565.43 Td (178.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.15 565.43 Td (176.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.15 565.43 Td (169.4) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 552.01 Td (- Provisions) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 159.80 550.42 Td (\(53.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.65 550.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.80 550.42 Td (\(49.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.65 550.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.80 550.42 Td (\(56.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.65 550.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.80 550.47 Td (\(48.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 550.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.80 550.47 Td (\(50.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 550.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.80 550.47 Td (\(43.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 550.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 550.47 Td (\(46.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 550.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.80 550.47 Td (\(49.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 550.42 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 537.15 Td (- Net r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.90 537.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 536.43 Td (125.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.15 536.43 Td (130.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 536.43 Td (131.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.15 536.43 Td (130.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 536.43 Td (136.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 536.43 Td (134.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.15 536.43 Td (130.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.15 536.43 Td (120.4) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 523.01 Td (- Provisions to gross) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 512.26 Td (receivables) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 518.87 Td (29.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 518.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 518.87 Td (27.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 518.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 518.87 Td (30.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 518.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 518.87 Td (27.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 518.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 518.87 Td (27.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 518.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 518.87 Td (24.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 518.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 518.87 Td (26.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 518.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 518.87 Td (28.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 518.87 Td (%) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 502.01 Td (- Gross NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.33 502.01 Td ( ratio) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 500.42 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 500.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 500.42 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 500.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 500.42 Td (23.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 500.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 500.42 Td (21.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 500.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 500.42 Td (22.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 500.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 500.42 Td (15.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 500.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 500.42 Td (19.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 500.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 500.42 Td (24.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 500.42 Td (%) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 483.15 Td (Lines of Cr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.33 483.15 Td (edit ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.08 487.23 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 471.01 Td (- Performing) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 163.15 469.42 Td (35.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.15 469.42 Td (34.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 469.42 Td (34.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 469.42 Td (33.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.15 469.42 Td (46.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 469.42 Td (44.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 469.42 Td (44.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 469.42 Td (45.0) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 456.01 Td (- NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.92 456.01 Td ( ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.17 460.09 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 163.15 454.42 Td (1) Tj ET Q q 0 0 0 rg BT 168.15 454.42 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.15 454.42 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 454.42 Td (1) Tj ET Q q 0 0 0 rg BT 268.15 454.42 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 454.42 Td (10.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.15 454.42 Td (17.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 454.42 Td (1) Tj ET Q q 0 0 0 rg BT 418.15 454.42 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 454.42 Td (12.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 454.42 Td (14.7) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 441.15 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.17 441.15 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.67 441.15 Td (otal gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.42 441.15 Td (oss r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.01 441.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 163.15 440.43 Td (46.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.15 440.43 Td (45.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.15 440.43 Td (46.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.15 440.43 Td (43.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.15 440.43 Td (63.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.15 440.43 Td (55.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 440.43 Td (56.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.15 440.43 Td (59.6) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 427.01 Td (- Provisions) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 159.80 425.42 Td (\(13.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.65 425.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.80 425.42 Td (\(13.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.65 425.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.80 425.42 Td (\(14.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.65 425.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.80 425.47 Td (\(14.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 425.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.80 425.47 Td (\(17.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 425.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.80 425.47 Td (\(12.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 425.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 425.47 Td (\(14.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 425.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.80 425.47 Td (\(15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 425.42 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 412.15 Td (- Net r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.90 412.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 163.15 411.43 Td (33.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.15 411.43 Td (32.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.15 411.43 Td (31.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.15 411.43 Td (29.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.15 411.43 Td (46.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.15 411.43 Td (42.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 411.43 Td (42.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.15 411.43 Td (43.7) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 398.01 Td (- Provisions to gross) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 387.26 Td (receivables) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 393.87 Td (28.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 393.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 393.87 Td (29.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 393.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 393.87 Td (32.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 393.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 393.87 Td (32.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 393.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 393.87 Td (27.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 393.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 393.87 Td (23.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 393.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 393.87 Td (24.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 393.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 393.87 Td (26.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 393.87 Td (%) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 377.01 Td (- Gross NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.33 377.01 Td ( ratio) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 375.42 Td (24.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 375.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 375.42 Td (23.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 375.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 375.42 Td (25.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 375.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 375.42 Td (23.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 375.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 375.42 Td (26.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 375.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 375.42 Td (20.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 375.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 375.42 Td (21.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 375.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 375.42 Td (24.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 375.42 Td (%) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 358.15 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.59 358.15 Td (otal Online r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.09 358.15 Td (eceivables) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 346.01 Td (- Performing) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 344.42 Td (359.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.15 344.42 Td (345.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 344.42 Td (332.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.15 344.42 Td (316.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.15 344.42 Td (308.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 344.42 Td (310.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 344.42 Td (300.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 344.42 Td (285.5) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 331.01 Td (- NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.92 331.01 Td ( ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.17 335.09 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 329.42 Td (101.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.15 329.42 Td (97.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 329.42 Td (95.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 329.42 Td (89.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.15 329.42 Td (90.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 329.42 Td (74.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 329.42 Td (90.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 329.42 Td (94.6) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 316.15 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.17 316.15 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.67 316.15 Td (otal gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.42 316.15 Td (oss r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.01 316.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 315.43 Td (461.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.15 315.43 Td (442.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 315.43 Td (428.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.15 315.43 Td (405.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 315.43 Td (398.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 315.43 Td (384.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.15 315.43 Td (390.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.15 315.43 Td (380.1) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 302.01 Td (- Provisions) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 154.80 300.42 Td (\(138.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.65 300.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.80 300.42 Td (\(132.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.65 300.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.80 300.42 Td (\(125.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.65 300.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.80 300.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 313.13 300.47 Td (13.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 300.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.80 300.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 363.13 300.47 Td (1) Tj ET Q q 0 0 0 rg BT 368.13 300.47 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 300.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.80 300.47 Td (\(103.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 300.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 300.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 463.13 300.47 Td (14.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 300.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.80 300.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 513.13 300.47 Td (14.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 300.42 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 287.15 Td (- Net r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.90 287.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 286.43 Td (322.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.15 286.43 Td (309.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 286.43 Td (303.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.15 286.43 Td (291.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 286.43 Td (286.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 286.43 Td (281.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.15 286.43 Td (275.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.15 286.43 Td (265.4) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 273.01 Td (- Provisions to gross) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 262.26 Td (receivables) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 268.87 Td (30.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 268.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 268.87 Td (30.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 268.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 268.87 Td (29.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 268.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 268.87 Td (28.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 268.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 268.87 Td (28.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 268.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 268.87 Td (26.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 268.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 268.87 Td (29.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 268.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 268.87 Td (30.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 268.87 Td (%) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 252.01 Td (- Gross NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.33 252.01 Td ( ratio) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 250.42 Td (22.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 250.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 250.42 Td (22.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 250.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 250.42 Td (22.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 250.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 250.42 Td (22.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 250.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 250.42 Td (22.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 250.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 250.42 Td (19.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 250.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 250.42 Td (23.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 250.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 250.42 Td (24.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 250.42 Td (%) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 233.15 Td (TBI Bank) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 221.01 Td (- Performing) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 219.42 Td (217.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.15 219.42 Td (218.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 219.42 Td (229.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.15 219.42 Td (252.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.15 219.42 Td (249.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 219.42 Td (258.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 219.42 Td (274.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 219.42 Td (296.4) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 206.01 Td (- NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.92 206.01 Td ( ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.17 210.09 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 163.15 204.42 Td (37.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.15 204.42 Td (43.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 204.42 Td (41.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 204.42 Td (47.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.15 204.42 Td (52.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 204.42 Td (49.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 204.42 Td (53.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 204.42 Td (57.1) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 191.15 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 44.17 191.15 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 49.67 191.15 Td (otal gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.42 191.15 Td (oss r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.01 191.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 190.43 Td (254.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.15 190.43 Td (261.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 190.43 Td (271.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.15 190.43 Td (299.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 190.43 Td (301.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 190.43 Td (308.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.15 190.43 Td (328.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.15 190.43 Td (353.5) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 177.01 Td (- Provisions) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 159.80 175.42 Td (\(27.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.65 175.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.80 175.42 Td (\(34.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.65 175.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.80 175.42 Td (\(33.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.65 175.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.80 175.47 Td (\(38.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 175.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.80 175.47 Td (\(40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 175.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.80 175.47 Td (\(38.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 175.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 175.47 Td (\(41.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 175.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.80 175.47 Td (\(40.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 175.42 Td (\)) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 162.15 Td (- Net r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.82 162.15 Td (eceivables) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 158.10 161.43 Td (226.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.15 161.43 Td (227.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 161.43 Td (237.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.15 161.43 Td (261.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 161.43 Td (260.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 161.43 Td (270.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.15 161.43 Td (286.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.15 161.43 Td (313.5) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 148.01 Td (- Provisions to gross) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 137.26 Td (receivables) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 143.87 Td (10.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 143.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 143.87 Td (13.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 143.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 143.87 Td (12.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 143.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 143.87 Td (12.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 143.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 143.87 Td (13.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 143.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 143.87 Td (12.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 143.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 143.87 Td (12.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 143.87 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 143.87 Td (1) Tj ET Q q 0 0 0 rg BT 512.15 143.87 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 143.87 Td (%) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 127.01 Td (- Gross NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.17 127.01 Td ( ratio) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 157.10 125.42 Td (14.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.65 125.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.15 125.42 Td (16.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 125.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 125.42 Td (15.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 125.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 125.42 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 125.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 125.42 Td (17.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 125.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 125.42 Td (16.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 125.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 125.42 Td (16.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 125.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.15 125.42 Td (16.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.65 125.42 Td (%) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 110.75 m 136.5 110.75 l s BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 45.00 99.78 Td (Notes: \(1\) Single Payment Loan portfolio shown in this table reflects the reclassification of ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.61 99.78 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0 0 0 rg BT 285.77 99.78 Td (V) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 290.07 99.78 Td (ivus) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.91 99.78 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0 0 0 rg BT 302.59 99.78 Td ( products in Sweden, Denmark and ) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 395.18 99.78 Td (Armenia, and \(from Q1 2019 onwards\) the ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.17 99.78 Td (SMS Credit) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.89 99.78 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0 0 0 rg BT 544.51 99.78 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 87.78 Td (Ondo) Tj ET Q BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.29 87.78 Td ( products in Latvia ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 6.50 Tf ET q 0 0 0 rg BT 104.82 87.78 Td (to Lines of Credit) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 63.00 75.78 Td (\(2\) Non-performing amounts that are over 90 days past due \(and, for ) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 242.82 75.78 Td (TBI, shown on a customer level basis\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 63.00 63.78 Td (\(3\) Includes Near Prime Loans) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 63.00 51.78 Td (\(4\) Includes Point of Sale Loans) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 22.90 Td (19) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 785.25 Td (Additional ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 81.84 785.25 Td (Key ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 99.89 785.25 Td (Performance ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 156.27 785.25 Td (Indicators) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 743.75 m 433.5 743.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 729.75 m 433.5 729.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 743.75 m 437.5 743.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 729.75 m 437.5 729.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 743.75 m 500.5 743.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 729.75 m 500.5 729.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 466.75 m 433.5 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 466.75 m 500.5 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 304.75 m 433.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 304.75 m 500.5 304.75 l s BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.55 752.20 Td (12 months to 31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 735.15 Td (Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.41 735.15 Td (ofitability) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.00 734.70 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.00 734.70 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 716.01 Td (ROAA, % * ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.50 720.09 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.15 715.32 Td (2.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 715.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.15 715.32 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 715.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 702.01 Td (ROAE, % * ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.50 706.09 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 701.32 Td (15.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 701.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 701.32 Td (31.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 701.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 688.01 Td (ROA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.50 688.01 Td (TE, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 687.32 Td (28.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 687.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 687.32 Td (69.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 687.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 674.01 Td (Interest Income / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.73 674.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.56 674.01 Td (verage Interest Earning ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.27 674.01 Td (Assets, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.02 678.09 Td (\(3\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 673.32 Td (58.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 673.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 673.32 Td (67.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 673.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 660.01 Td (Interest Income / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.98 660.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.89 660.01 Td (verage Gross Loan Portfolio, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 659.32 Td (63.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 659.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 659.32 Td (73.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 659.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 646.01 Td (Interest Income / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 158.98 646.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.89 646.01 Td (verage Net Loan Portfolio, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 645.32 Td (80.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 645.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 645.32 Td (93.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 645.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 632.01 Td (Interest Expense / Interest Income, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 631.32 Td (13.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 631.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 631.32 Td (13.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 631.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 618.01 Td (Cost Of Funds, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.76 622.09 Td (\(4\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.15 617.32 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 617.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.15 617.32 Td (7.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 617.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 604.01 Td (Cost Of Interest Bearing Liabilities, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.22 608.09 Td (\(5\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.15 603.32 Td (7.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 603.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.15 603.32 Td (8.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 603.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 590.01 Td (Net Spread, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.48 594.09 Td (\(6\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 589.32 Td (50.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 589.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 589.32 Td (59.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 589.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 576.01 Td (Net interest mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.81 576.01 Td (gin, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.81 580.09 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 562.01 Td ( - Online) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 561.32 Td (81.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 561.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 561.32 Td (88.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 561.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 548.01 Td ( - ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.67 548.01 Td (TBI Bank) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 547.32 Td (24.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 547.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 547.32 Td (26.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 547.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 534.01 Td ( - Overall group) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 533.32 Td (54.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 533.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 533.32 Td (63.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 533.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 520.01 Td (Net ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.07 520.01 Td (fective annualised yield ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.79 524.09 Td (\(8\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 519.32 Td (75.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 519.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 519.32 Td (88.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 519.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 506.01 Td (Net Fee & Commission Income / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.41 506.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.51 506.01 Td (otal Operating Income, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.15 505.32 Td (2.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 505.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.15 505.32 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 505.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 492.01 Td (Earnings Before ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.90 492.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 162.00 492.01 Td (axes / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.43 492.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.35 492.01 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.16 492.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.26 492.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.45 492.01 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.15 491.32 Td (5.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 491.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.15 491.32 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 491.32 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 469.20 Td (Efficiency) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 458.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 458.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.37 458.01 Td (Assets / Employee, \(in thousands of \) *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.00 457.32 Td (356) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.00 457.32 Td (335) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 443.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 443.01 Td (otal Operating Income / Employee, \(in thousands of \)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 415.00 442.32 Td (141) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.00 442.32 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 429.01 Td (Cost / Income Ratio, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.49 433.09 Td (\(9\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 428.32 Td (51.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 428.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 428.32 Td (52.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 428.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 415.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 415.01 Td (otal Recurring Operating Costs / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.85 415.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.77 415.01 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.58 415.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.68 415.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.87 415.01 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 414.32 Td (20.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 414.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 414.32 Td (22.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 414.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 401.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 401.01 Td (otal Operating Income / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.59 401.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.51 401.01 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.32 401.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.43 401.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.61 401.01 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 400.32 Td (39.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 400.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 400.32 Td (44.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 400.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 387.01 Td (Personnel Costs / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.67 387.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.77 387.01 Td (otal Recurring Operating Costs, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 386.32 Td (48.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 386.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 386.32 Td (46.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 386.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 373.01 Td (Personnel Costs / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.67 373.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.77 373.01 Td (otal Operating Income, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 372.32 Td (25.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 372.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 372.32 Td (24.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 372.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 359.01 Td (Net Operating Income / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.39 359.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 188.49 359.01 Td (otal Operating Income, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 358.32 Td (49.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 358.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 358.32 Td (49.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 358.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 345.01 Td (Net Income \(Loss\) / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.40 345.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.50 345.01 Td (otal Operating Income, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.15 344.32 Td (7.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 344.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.15 344.32 Td (7.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 344.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 331.01 Td (Profit before tax \(Loss\) / Interest income, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 330.32 Td (1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.15 330.32 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 330.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 330.32 Td (15.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 330.32 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 307.20 Td (Liquidity) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 296.01 Td (Net Loan Receivables / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.39 296.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.49 296.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.67 296.01 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 295.32 Td (59.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 295.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 295.32 Td (55.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 295.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 282.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.17 282.01 Td (verage Net Loan Receivables / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.28 282.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.20 282.01 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.01 282.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.12 282.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.30 282.01 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 281.32 Td (57.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 281.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 281.32 Td (55.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 281.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 268.01 Td (Net Loan Receivables / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.39 268.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.49 268.01 Td (otal Liabilities, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 267.32 Td (71.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 267.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 267.32 Td (66.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 267.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 254.01 Td (Interest Earning ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.73 254.01 Td (Assets / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.90 254.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.00 254.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.19 254.01 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 253.32 Td (75.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 253.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 253.32 Td (71.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 253.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 240.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.17 240.01 Td (verage Interest Earning ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.79 240.01 Td (Assets / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.80 240.01 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.71 240.01 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.53 240.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.63 240.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 269.81 240.01 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 239.32 Td (74.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 239.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 239.32 Td (71.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 239.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 226.01 Td (Liquid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.75 226.01 Td (Assets / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.09 226.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.96 226.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.21 226.01 Td (Assets, % * ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.71 230.09 Td (\(10\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 225.32 Td (13.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 225.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 225.32 Td (18.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 225.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 212.01 Td (Liquid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.00 212.01 Td (Assets / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.17 212.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.27 212.01 Td (otal Liabilities, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 211.32 Td (16.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 211.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 211.32 Td (21.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 211.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 197.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 197.01 Td (otal Deposits / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.03 197.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.14 197.01 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.32 197.01 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 196.32 Td (33.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 196.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 196.32 Td (28.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 196.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 183.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 183.01 Td (otal Deposits / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.03 183.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.14 183.01 Td (otal Liabilities, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 182.32 Td (39.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 182.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 182.32 Td (34.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 182.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 168.32 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.87 168.32 Td (otal Deposits / Shareholders) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.10 168.32 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.43 168.32 Td ( Equity) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.10 168.32 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.43 168.32 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.61 168.32 Td (imes *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.50 168.32 Td (1.9x) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.50 168.32 Td (1.7x) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 155.01 Td (Leverage \(T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.90 155.01 Td (otal Liabilities / Equity\), ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.24 155.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.50 155.01 Td (imes *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.50 154.32 Td (4.8x) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.50 154.32 Td (5.1x) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 141.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.87 141.01 Td (angible Common Equity / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.20 141.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.07 141.01 Td (angible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.31 141.01 Td (Assets * ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.81 145.09 Td (\(1) Tj ET Q BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.47 145.09 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 140.32 Td (10.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 140.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.15 140.32 Td (8.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 140.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 127.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 127.01 Td (angible Common Equity / Net Receivables) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 126.32 Td (17.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.65 126.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 126.32 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 126.32 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 113.01 Td (Net Loan Receivables / Equity) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.88 113.01 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.22 113.01 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.40 113.01 Td (imes *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.50 112.32 Td (3.5x) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.50 112.32 Td (3.4x) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 22.90 Td (20) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 769.5 m 432.5 769.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 755.5 m 432.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 769.5 m 437.5 769.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 755.5 m 437.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 769.5 m 500.5 769.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 755.5 m 500.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 576.5 m 432.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 576.5 m 500.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 477.5 m 432.5 477.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 477.5 m 500.5 477.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 477.5 m 432.5 477.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 477.5 m 500.5 477.5 l s BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.05 778.45 Td (12 months to 31 December) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 760.90 Td (Asset quality) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.00 760.45 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.00 760.45 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 741.76 Td (Loan Loss Reserve / Gross Receivables from Clients, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 741.07 Td (21.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 741.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 741.07 Td (21.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 741.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 727.76 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.17 727.76 Td (verage Loan Loss Reserve / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.80 727.76 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.71 727.76 Td (verage Gross Receivables from Clients, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 727.07 Td (21.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 727.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 727.07 Td (22.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 727.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 713.76 Td (Cost of risk, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.25 717.84 Td (\(12\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 699.76 Td ( - Online) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 699.07 Td (27.5) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 699.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 699.07 Td (24.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 699.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 685.76 Td ( - ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.67 685.76 Td (TBI Bank) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.15 685.07 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 685.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.15 685.07 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 685.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 671.76 Td ( - Overall Group) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 671.07 Td (17.1) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 671.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 671.07 Td (17.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 671.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 657.76 Td (Gross NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.92 657.76 Td ( ratio, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.91 661.84 Td (\(13\)) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.00 643.76 Td (- Online) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 643.07 Td (24.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 643.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 643.07 Td (22.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 643.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.00 629.76 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.17 629.76 Td (TBI Bank) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 629.07 Td (16.2) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 629.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 629.07 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 629.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.00 615.76 Td (- Overall group) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 615.07 Td (20.7) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 615.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 615.07 Td (19.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 615.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 601.76 Td (Net impairment / Interest income, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.71 605.84 Td (\(14\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 601.07 Td (29.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 601.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 601.07 Td (25.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 601.07 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 578.95 Td (Cr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.41 578.95 Td (edit Metrics) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 567.76 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 567.76 Td (otal Equity / ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.53 567.76 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.63 567.76 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 167.82 567.76 Td (Assets, % *) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 567.07 Td (17.0) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 567.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 567.07 Td (15.8) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 567.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 553.76 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.18 553.76 Td (otal Equity / Net Loan Receivables, %) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 553.07 Td (28.6) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 553.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 553.07 Td (28.3) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 553.07 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 539.07 Td (Interest Coverage \() Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.97 539.07 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.30 539.07 Td (basic) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.79 539.07 Td () Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.12 539.07 Td ( EBITDA\), ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.70 539.07 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.88 539.07 Td (imes) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.50 539.07 Td (2.2x) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.50 539.07 Td (2.0x) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 525.76 Td (Adjusted Interest Coverage, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.81 525.76 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.99 525.76 Td (imes ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.23 529.84 Td (\(15\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.50 525.07 Td (2.2x) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.50 525.07 Td (2.4x) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 511.76 Td (TBI Bank consolidated capital adequacy) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.36 511.76 Td (, % ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.61 515.84 Td (\(16\)) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.15 511.07 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 423.65 511.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 474.15 511.07 Td (22.4) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 491.65 511.07 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 488.90 Td (Selected Operating Data) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 384.50 489.58 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 413.00 479.98 Td (2019) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.50 489.58 Td (31 December) Tj ET Q BT /F2 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.00 479.98 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.00 468.76 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.87 468.76 Td (otal Employees) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.15 468.07 Td (2,730) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 469.15 468.07 Td (2,960) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 443.5 m 172.5 443.5 l s BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 430.40 Td (*Normalised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.11 430.40 Td (ratios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.67 430.40 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.22 430.40 Td (adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.66 430.40 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.67 430.40 Td (remove ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.45 430.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.00 430.40 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.07 430.40 Td (fect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.85 430.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.30 430.40 Td (non-recurring ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.06 430.40 Td (items, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.18 430.40 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.74 430.40 Td (FX ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.75 430.40 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.09 430.40 Td (one-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.82 430.40 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.27 430.40 Td (adjustments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.27 430.40 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.28 430.40 Td (intangible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 459.06 430.40 Td (assets, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 481.51 430.40 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.84 430.40 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.96 430.40 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 523.74 430.40 Td (ratios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 543.30 430.40 Td (only) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 557.00 430.40 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 420.80 Td (adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.66 420.80 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.88 420.80 Td (reflect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 131.31 420.80 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.08 420.80 Td (opening ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.86 420.80 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.28 420.80 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.95 420.80 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.95 420.80 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.37 420.80 Td (sheet ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.81 420.80 Td (after ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.46 420.80 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.36 420.80 Td (9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 310.36 420.80 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.43 420.80 Td (fects.) Tj ET Q BT /F1 8.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 411.20 Td (All ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.22 411.20 Td (ratios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.00 411.20 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.76 411.20 Td (annualised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.97 411.20 Td (where ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.52 411.20 Td (appropriate.) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 401.85 Td (\(1\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 401.85 Td (Return ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.68 401.85 Td (On ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.73 401.85 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.78 401.85 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.38 401.85 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.60 401.85 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.81 401.85 Td (Assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.13 401.85 Td (\(ROAA\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.37 401.85 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.25 401.85 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.46 401.85 Td (Income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.80 401.85 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.25 401.85 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.73 401.85 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 318.60 401.85 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.29 401.85 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.34 401.85 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.93 401.85 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.15 401.85 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.37 401.85 Td (Assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 389.69 401.85 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 400.73 401.85 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.21 401.85 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.19 401.85 Td (period) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 392.50 Td (\(2\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 392.50 Td (Return ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.68 392.50 Td (On ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.73 392.50 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.78 392.50 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.38 392.50 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.60 392.50 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.24 392.50 Td (Equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.99 392.50 Td (\(ROAE\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.37 392.50 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 238.24 392.50 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 251.46 392.50 Td (Income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.79 392.50 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.24 392.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.72 392.50 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 318.60 392.50 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.28 392.50 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.34 392.50 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.93 392.50 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.15 392.50 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.79 392.50 Td (Equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.54 392.50 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 401.59 392.50 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 413.07 392.50 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.04 392.50 Td (period) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 383.15 Td (\(3\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 383.15 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.84 383.15 Td (Earning ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.05 383.15 Td (Assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.36 383.15 Td (include: ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.44 383.15 Td (Placement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.88 383.15 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.69 383.15 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.67 383.15 Td (banks ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.82 383.15 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.03 383.15 Td (Gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.18 383.15 Td (Loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.15 383.15 Td (Receivables) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 373.80 Td (\(4\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 373.80 Td (Cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.75 373.80 Td (Of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.94 373.80 Td (Funds ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.96 373.80 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.83 373.80 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.17 373.80 Td (Expense ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.54 373.80 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.99 373.80 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.47 373.80 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 250.35 373.80 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.03 373.80 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 259.09 373.80 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 281.68 373.80 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.90 373.80 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 299.54 373.80 Td (Liabilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 333.12 373.80 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.17 373.80 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.64 373.80 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.62 373.80 Td (period) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 364.40 Td (\(5\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 364.40 Td (Cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.30 364.40 Td (Of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.02 364.40 Td (Interest-Bearing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.18 364.40 Td (Liabilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.30 364.40 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.72 364.40 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.60 364.40 Td (Expense ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.51 364.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.50 364.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.52 364.40 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.94 364.40 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 323.43 364.40 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.53 364.40 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.59 364.40 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 355.86 364.40 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.74 364.40 Td (Bearing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 408.92 364.40 Td (Liabilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.04 364.40 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.62 364.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.64 364.40 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.16 364.40 Td (period; ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 509.75 364.40 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 535.62 364.40 Td (bearing ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 355.05 Td (Liabilities ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.58 355.05 Td (include ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.48 355.05 Td (Loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.50 355.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.71 355.05 Td (borrowings ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.19 355.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.40 355.05 Td (Deposits ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.65 355.05 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.76 355.05 Td (customers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.33 355.05 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 308.55 355.05 Td (banks) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 345.70 Td (\(6\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 345.70 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.71 345.70 Td (Spread ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.32 345.70 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.20 345.70 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.53 345.70 Td (Income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.87 345.70 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.32 345.70 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 214.80 345.70 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.67 345.70 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.36 345.70 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.41 345.70 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.15 345.70 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.48 345.70 Td (Earning ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 319.69 345.70 Td (Assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.01 345.70 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 353.06 345.70 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.54 345.70 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.51 345.70 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.39 345.70 Td (less ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 418.04 345.70 Td (Cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.29 345.70 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.74 345.70 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.08 345.70 Td (Bearing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 494.72 345.70 Td (Liabilities) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 336.35 Td (\(7\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 336.35 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.71 336.35 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.61 336.35 Td (mar) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.59 336.35 Td (gin ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.51 336.35 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.38 336.35 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 182.58 336.35 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.49 336.35 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.39 336.35 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.07 336.35 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.13 336.35 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.85 336.35 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 282.27 336.35 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.64 336.35 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 327.31 336.35 Td (\(total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.71 336.35 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.13 336.35 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.50 336.35 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 409.17 336.35 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.61 336.35 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 426.05 336.35 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.53 336.35 Td (start ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.90 336.35 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.11 336.35 Td (end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 479.31 336.35 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.76 336.35 Td (each ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 503.99 336.35 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.86 336.35 Td (divided ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.20 336.35 Td (by ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 327.00 Td (two\)) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 317.60 Td (\(8\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 317.60 Td (Annualised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.98 317.60 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.88 317.60 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.79 317.60 Td (\(excluding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.10 317.60 Td (penalties\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.36 317.60 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.05 317.60 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.10 317.60 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.84 317.60 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.32 317.60 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.70 317.60 Td (principal) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 308.25 Td (\(9\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 308.25 Td (Cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 101.75 308.25 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.77 308.25 Td (Income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.11 308.25 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.35 308.25 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.23 308.25 Td (Operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.37 308.25 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.92 308.25 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.03 308.25 Td (Operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.17 308.25 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.08 308.25 Td (\(revenue\)) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 298.90 Td (\(10\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 298.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.45 298.90 Td (Liquid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.77 298.90 Td (Assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.09 298.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.06 298.90 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.28 298.90 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.50 298.90 Td (Assets; ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.98 298.90 Td (Liquid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.73 298.90 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 220.88 298.90 Td (include ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.78 298.90 Td (Cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.33 298.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.55 298.90 Td (cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.35 298.90 Td (equivalents ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 329.83 298.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.04 298.90 Td (Placements ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.51 298.90 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.33 298.90 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.30 298.90 Td (banks) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 289.55 Td (\(1) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.21 289.55 Td (1\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 289.55 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.02 289.55 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.24 289.55 Td (angible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.84 289.55 Td (Common ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.52 289.55 Td (Equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.96 289.55 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.64 289.55 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.86 289.55 Td (angible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.10 289.55 Td (Assets. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 224.94 289.55 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 229.16 289.55 Td (angible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.76 289.55 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 274.89 289.55 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 281.62 289.55 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.84 289.55 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 299.17 289.55 Td (Equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.61 289.55 Td (less ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.95 289.55 Td (Intangible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 367.85 289.55 Td (Assets. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.69 289.55 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.91 289.55 Td (angible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.15 289.55 Td (Assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.16 289.55 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.20 289.55 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 457.42 289.55 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.39 289.55 Td (Assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.40 289.55 Td (less ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.74 289.55 Td (Intangible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.64 289.55 Td (Assets) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 280.20 Td (\(12\) ) Tj ET Q BT /F1 7.80 Tf ET q 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Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.06 280.20 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.40 280.20 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.09 280.20 Td (A) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.14 280.20 Td (verage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.88 280.20 Td (Gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.03 280.20 Td (Receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.66 280.20 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.70 280.20 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 403.18 280.20 Td (same ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.16 280.20 Td (period) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 270.80 Td (\(13\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 270.80 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.89 270.80 Td (Gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.48 270.80 Td (NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.92 270.80 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.31 270.80 Td (ratio ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.00 270.80 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.31 270.80 Td (Non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.82 270.80 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.28 270.80 Td (\(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.73 270.80 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 316.36 270.80 Td (interest\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.31 270.80 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.56 270.80 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.41 270.80 Td (delay ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 385.69 270.80 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.58 270.80 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.83 270.80 Td (90 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.02 270.80 Td (days ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 437.70 270.80 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.26 270.80 Td (Gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.85 270.80 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 500.31 270.80 Td (\(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 534.76 270.80 Td (accrued ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 261.45 Td (interest\)) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 252.10 Td (\(14\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 252.10 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.45 252.10 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.66 252.10 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.57 252.10 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.85 252.10 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.20 252.10 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 173.95 252.10 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.36 252.10 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.57 252.10 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.60 252.10 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.71 252.10 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 271.62 252.10 Td (income) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 242.75 Td (\(15\) ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.50 242.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.02 242.75 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.13 242.75 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.47 242.75 Td (Coverage ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 174.31 242.75 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.35 242.75 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.83 242.75 Td (Period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.14 242.75 Td (equals ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.59 242.75 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.70 242.75 Td (EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.87 242.75 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.82 242.75 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.93 242.75 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 330.27 242.75 Td (expense ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 233.40 Td (\(16\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.21 233.40 Td (TBI ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 102.16 233.40 Td (Bank ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.02 233.40 Td (\(T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.10 233.40 Td (ier ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.72 233.40 Td (One ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 154.10 233.40 Td (Capital ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.02 233.40 Td (+ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.64 233.40 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.13 233.40 Td (ier ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.57 233.40 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.79 233.40 Td (wo ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.71 233.40 Td (Capital\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.22 233.40 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.78 233.40 Td (Risk ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.47 233.40 Td (weighted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.45 233.40 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 317.04 233.40 Td (\(calculated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 353.64 233.40 Td (according ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.77 233.40 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.23 233.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.15 233.40 Td (prevailing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.16 233.40 Td (regulations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.20 233.40 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 487.09 233.40 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 499.01 233.40 Td (Bulgarian ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 532.16 233.40 Td (National ) Tj ET Q BT /F1 7.80 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.00 224.00 Td (Bank\)) Tj ET Q endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.5019607843137255 0.5019607843137255 0.5019607843137255 rg BT 548.00 22.90 Td (21) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 783.90 Td (DEFINITIONS) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 761.90 Td (Active ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.71 761.90 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.53 761.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.03 761.90 Td (Online ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.74 761.90 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.24 761.90 Td (customers ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 224.29 761.90 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.56 761.90 Td (open ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.50 761.90 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.11 761.90 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 307.61 761.90 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.31 761.90 Td (up ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.81 761.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.09 761.90 Td (30 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.59 761.90 Td (days ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 378.42 761.90 Td (past ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.03 761.90 Td (due) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 749.90 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 737.90 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.68 737.90 Td (EBITDA) Tj ET Q BT 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737.90 Td (\(profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.45 737.90 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.90 737.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.89 737.90 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 411.22 737.90 Td (plus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 431.67 737.90 Td (tax, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.17 737.90 Td (plus ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 470.62 737.90 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 503.84 737.90 Td (expense, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.33 737.90 Td (plus ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 725.90 Td (depreciation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.28 725.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.57 725.90 Td (amortisation\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.75 725.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.93 725.90 Td (adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 209.12 725.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.97 725.90 Td (income/loss ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.60 725.90 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.90 725.90 Td (discontinued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 348.86 725.90 Td (operations, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.87 725.90 Td (non-cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 434.82 725.90 Td (gains ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.79 725.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.08 725.90 Td (losses ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 502.83 725.90 Td (attributable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 551.22 725.90 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 713.90 Td (movement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.36 713.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 90.29 713.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.66 713.90 Td (mark-to-market ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.56 713.90 Td (valuation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 208.92 713.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.40 713.90 Td (hedging ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.77 713.90 Td (obligations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.37 713.90 Td (under ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.28 713.90 Td (IFRS, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.06 713.90 Td (goodwill ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.77 713.90 Td (write-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.79 713.90 Td (fs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 430.17 713.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 446.75 713.90 Td (certain ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.11 713.90 Td (other ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.81 713.90 Td (one-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.72 713.90 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.20 713.90 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 540.69 713.90 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 701.90 Td (cash ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.02 701.90 Td (items. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.73 701.90 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.09 701.90 Td (EBITDA, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.51 701.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.09 701.90 Td (presented ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 218.66 701.90 Td (here, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.63 701.90 Td (may ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.10 701.90 Td (not ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.13 701.90 Td (be ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 290.83 701.90 Td (comparable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.72 701.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.76 701.90 Td (similarly-titled ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.45 701.90 Td (measures ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 454.91 701.90 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.16 701.90 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 488.63 701.90 Td (reported ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.20 701.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 538.45 701.90 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 689.90 Td (companies ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.25 689.90 Td (due ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 98.18 689.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.45 689.90 Td (dif) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.38 689.90 Td (ferences ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.17 689.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 165.44 689.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.14 689.90 Td (way ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.29 689.90 Td (these ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.33 689.90 Td (measures ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 262.03 689.90 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.72 689.90 Td (calculated. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.24 689.90 Td (Further ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.17 689.90 Td (details ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.76 689.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.58 689.90 Td (covenant ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 432.16 689.90 Td (adjustments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 482.42 689.90 Td (can ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.79 689.90 Td (be ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 510.72 689.90 Td (found ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 536.54 689.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 546.81 689.90 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 677.90 Td (relevant ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 70.70 677.90 Td (bond ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.20 677.90 Td (prospectuses, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.30 677.90 Td (available ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 187.89 677.90 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.39 677.90 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.22 677.90 Td (website ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.27 677.90 Td (www) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.28 677.90 Td (.4finance.com ) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 653.90 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 77.40 653.90 Td (inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.76 653.90 Td (est ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 111.92 653.90 Td (coverage) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.68 653.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.18 653.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.13 653.90 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.73 653.90 Td (EBITDA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 233.84 653.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 236.34 653.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 241.62 653.90 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 273.55 653.90 Td (expense) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 629.90 Td (Cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.77 629.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.42 629.90 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.41 629.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.22 629.90 Td (Annualised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.09 629.90 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.63 629.90 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.06 629.90 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 222.08 629.90 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.74 629.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.84 629.90 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 276.24 629.90 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 299.68 629.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.97 629.90 Td (\(total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.40 629.90 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.84 629.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 441.13 629.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.79 629.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 462.44 629.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 476.98 629.90 Td (start ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.52 629.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.28 629.90 Td (end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.04 629.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 540.70 629.90 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 617.90 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.05 617.90 Td (divided ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.54 617.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.04 617.90 Td (two\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 593.90 Td (Cost/income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.27 593.90 Td (ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.32 593.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 121.82 593.90 Td (Operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 164.30 593.90 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 186.80 593.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.08 593.90 Td (operating ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.34 593.90 Td (income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 569.90 Td (Equity/assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 94.62 569.90 Td (ratio) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.17 569.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.67 569.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 124.99 569.90 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.40 569.90 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 147.89 569.90 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.39 569.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 180.67 569.90 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 200.94 569.90 Td (assets) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 545.90 Td (Equity/net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.51 545.90 Td (r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.77 545.90 Td (eceivables ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.03 545.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.35 545.90 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.76 545.90 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.26 545.90 Td (equity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 190.75 545.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.03 545.90 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 210.75 545.90 Td (customer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 249.90 545.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.37 545.90 Td (\(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.98 545.90 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 374.56 545.90 Td (interest\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 521.90 Td (Gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 48.04 521.90 Td (oss ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 62.37 521.90 Td (NPL) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.82 521.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.37 521.90 Td (ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.47 521.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.02 521.90 Td (Non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.10 521.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.62 521.90 Td (\(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 268.28 521.90 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.91 521.90 Td (interest\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 335.23 521.90 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.55 521.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 360.54 521.90 Td (delay ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.75 521.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 393.63 521.90 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 412.95 521.90 Td (90 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.50 521.90 Td (days ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 444.38 521.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.71 521.90 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.37 521.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.89 521.90 Td (\(including ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 509.90 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.58 509.90 Td (interest\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 485.90 Td (Gr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 48.04 485.90 Td (oss ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.46 485.90 Td (r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 67.72 485.90 Td (eceivables ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.12 485.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 120.57 485.90 Td (T) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.98 485.90 Td (otal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.61 485.90 Td (amount ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.25 485.90 Td (receivable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.96 485.90 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.04 485.90 Td (customers, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.73 485.90 Td (including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.14 485.90 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.32 485.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.40 485.90 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.12 485.90 Td (interest, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.70 485.90 Td (after ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.65 485.90 Td (deduction ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.72 485.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 525.69 485.90 Td (deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 473.90 Td (income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 449.90 Td (Intangible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.40 449.90 Td (assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.84 449.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.34 449.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.84 449.90 Td (consists ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.01 449.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.84 449.90 Td (deferred ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.65 449.90 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.37 449.90 Td (assets, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 240.70 449.90 Td (intangible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.19 449.90 Td (IT) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.45 449.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 294.95 449.90 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 320.78 449.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.71 449.90 Td (goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 425.90 Td (Inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.48 425.90 Td (est ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 71.64 425.90 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.69 425.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.19 425.90 Td (Interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 144.67 425.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.61 425.90 Td (similar ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 191.88 425.90 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.82 425.90 Td (generated ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.18 425.90 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.12 425.90 Td (our ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.95 425.90 Td (customer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 342.10 425.90 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.82 425.90 Td (portfolio) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 401.90 Td (Loss ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.40 401.90 Td (given ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.12 401.90 Td (default ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.06 401.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 125.01 401.90 Td (Loss ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.84 401.90 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.79 401.90 Td (non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.05 401.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 273.96 401.90 Td (\() Tj ET Q BT /F4 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 277.29 401.90 Td (i.e.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 289.51 401.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 292.46 401.90 Td (1 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.40 401.90 Td (- ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.67 401.90 Td (recovery ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.59 401.90 Td (rate\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 365.85 401.90 Td (based ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.57 401.90 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.51 401.90 Td (recoveries ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.54 401.90 Td (during ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.59 401.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 492.75 401.90 Td (appropriate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 541.23 401.90 Td (time ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 389.90 Td (window ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 70.72 389.90 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.88 389.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 99.60 389.90 Td (specific ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.19 389.90 Td (product, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.74 389.90 Td (reduced ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.88 389.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.38 389.90 Td (costs ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.88 389.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.71 389.90 Td (collection, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 293.14 389.90 Td (discounted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 338.97 389.90 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 348.69 389.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 363.40 389.90 Td (weighted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 402.56 389.90 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.14 389.90 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.73 389.90 Td (fective ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 473.43 389.90 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.37 389.90 Td (rate) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 365.90 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.49 365.90 Td (effective ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 91.51 365.90 Td (annualised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.15 365.90 Td (yield ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 163.20 365.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 170.70 365.90 Td (annualised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.97 365.90 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.90 365.90 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 279.83 365.90 Td (\(excluding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 325.10 365.90 Td (penalties\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.47 365.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 371.75 365.90 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 405.33 365.90 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 420.05 365.90 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 439.76 365.90 Td (principal) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 341.90 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.49 341.90 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 106.54 341.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.37 341.90 Td (inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 137.73 341.90 Td (est ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.89 341.90 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 184.94 341.90 Td (ratio) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 205.49 341.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 207.99 341.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.49 341.90 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 232.43 341.90 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 281.02 341.90 Td (char) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 298.05 341.90 Td (ges ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.88 341.90 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.38 341.90 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.99 341.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 366.93 341.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 414.40 341.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.68 341.90 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 451.61 341.90 Td (income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 317.90 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.88 317.90 Td (inter) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.24 317.90 Td (est ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.79 317.90 Td (margin ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 122.79 317.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.04 317.90 Td (Annualised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.48 317.90 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.58 317.90 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 225.90 317.90 Td (income ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 258.22 317.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 263.89 317.90 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.86 317.90 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.86 317.90 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.97 317.90 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 380.40 317.90 Td (\(total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 404.39 317.90 Td (gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 428.39 317.90 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 448.50 317.90 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.93 317.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 498.15 317.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 509.36 317.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 524.47 317.90 Td (start ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 544.57 317.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 305.90 Td (end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 52.94 305.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.77 305.90 Td (each ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 84.58 305.90 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 112.63 305.90 Td (divided ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.13 305.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 157.63 305.90 Td (two\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 281.90 Td (Net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.49 281.90 Td (r) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 57.75 281.90 Td (eceivables ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 103.01 281.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 110.51 281.90 Td (Gross ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.35 281.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 183.82 281.90 Td (\(including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.42 281.90 Td (accrued ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.00 281.90 Td (interest\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.27 281.90 Td (less ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 313.77 281.90 Td (impairment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.37 281.90 Td (provisions) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 257.90 Td (Non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.49 257.90 Td (loans ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 133.22 257.90 Td (\(NPLs\) ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 166.27 257.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 168.77 257.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.27 257.90 Td (Loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.32 257.90 Td (principal ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.36 257.90 Td (or ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 248.19 257.90 Td (receivables ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.66 257.90 Td (\(as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.82 257.90 Td (applicable\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.74 257.90 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 374.24 257.90 Td (are ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 388.94 257.90 Td (over ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 409.21 257.90 Td (90 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 421.71 257.90 Td (days ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 442.54 257.90 Td (past ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.15 257.90 Td (due) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 233.90 Td (Normalised ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.44 233.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 95.77 233.90 Td (Adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 134.88 233.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.65 233.90 Td (remove ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.63 233.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.85 233.90 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.44 233.90 Td (fect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 219.42 233.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.75 233.90 Td (non-recurring ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.72 233.90 Td (items, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 315.88 233.90 Td (net ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.09 233.90 Td (FX ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 346.87 233.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 364.31 233.90 Td (one-of) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 390.23 233.90 Td (f ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 396.56 233.90 Td (adjustments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 447.33 233.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 458.10 233.90 Td (intangible ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 501.09 233.90 Td (assets, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 529.92 233.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 547.35 233.90 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 221.90 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 58.50 221.90 Td (ratios ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 83.22 221.90 Td (only) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 100.35 221.90 Td (, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 105.35 221.90 Td (adjusted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.17 221.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 151.45 221.90 Td (reflect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 179.48 221.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 194.20 221.90 Td (opening ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 228.92 221.90 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 261.95 221.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 272.78 221.90 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.28 221.90 Td (balance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.31 221.90 Td (sheet ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 351.36 221.90 Td (after ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.17 221.90 Td (IFRS ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 395.79 221.90 Td (9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 403.29 221.90 Td (ef) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 410.88 221.90 Td (fects) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 197.90 Td (Overall ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 70.71 197.90 Td (pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 80.53 197.90 Td (ovision ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 113.04 197.90 Td (coverage) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 150.79 197.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.29 197.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.24 197.90 Td (Allowance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.06 197.90 Td (account ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.65 197.90 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 253.81 197.90 Td (provisions ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 297.98 197.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.26 197.90 Td (non-performing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 369.08 197.90 Td (receivables) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 173.90 Td (Pr) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.37 173.90 Td (ofit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.30 173.90 Td (befor) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.89 173.90 Td (e ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.83 173.90 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.66 173.90 Td (margin ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 142.27 173.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.77 173.90 Td (Profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 175.05 173.90 Td (before ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.08 173.90 Td (tax ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.80 173.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.08 173.90 Td (interest ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 255.01 173.90 Td (income) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 149.90 Td (Return ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 68.58 149.90 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.18 149.90 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 116.53 149.90 Td (assets) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 140.97 149.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 143.00 149.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 149.59 149.90 Td (Annualised ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 197.17 149.90 Td (profit ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.42 149.90 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.89 149.90 Td (continuing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.69 149.90 Td (operations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 331.38 149.90 Td (/ ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.19 149.90 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 369.31 149.90 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.67 149.90 Td (\(total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.81 149.90 Td (assets ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.17 149.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.53 149.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 463.90 149.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 478.15 149.90 Td (start ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 497.40 149.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.87 149.90 Td (end ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 530.34 149.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 540.70 149.90 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 137.90 Td (period ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.05 137.90 Td (divided ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.54 137.90 Td (by ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 109.04 137.90 Td (two\)) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 113.90 Td (Return ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.30 113.90 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 82.60 113.90 Td (average ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.66 113.90 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.08 113.90 Td ( ) Tj ET Q q 0.25882352941176473 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Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 725.90 Td (Acquisitions ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 89.63 725.90 Td (and ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 107.69 725.90 Td (disposals ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 147.42 725.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 701.90 Td (Following ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.05 701.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.20 701.90 Td (decision ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.45 701.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.16 701.90 Td (2018 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.09 701.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 169.80 701.90 Td (cease ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 193.37 701.90 Td (consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 234.18 701.90 Td (lending ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 266.11 701.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 275.81 701.90 Td (Geor) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.62 701.90 Td (gia, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.27 701.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 321.98 701.90 Td (facilitate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 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0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 60.04 689.90 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.83 689.90 Td (LLC ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.08 689.90 Td (\(Geor) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 141.22 689.90 Td (gia\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 159.13 689.90 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 177.05 689.90 Td (sold ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 196.09 689.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.23 689.90 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 243.02 689.90 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.94 689.90 Td (SA) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 283.17 689.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 285.54 689.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 295.68 689.90 Td (February ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 334.14 689.90 Td (2020 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 356.51 689.90 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 370.54 689.90 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 382.35 689.90 Td (fair ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 398.59 689.90 Td (market ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 428.72 689.90 Td (value ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 452.74 689.90 Td (\(2.2 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.94 689.90 Td (million\). ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 513.03 689.90 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 523.72 689.90 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 677.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.35 677.90 Td (accordance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.88 677.90 Td (with ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 114.23 677.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 129.02 677.90 Td (respective ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 172.12 677.90 Td (conditions ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 216.36 677.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 227.26 677.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 242.04 677.90 Td (EUR ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 264.62 677.90 Td (2021 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 287.19 677.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 304.20 677.90 Td (USD ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.77 677.90 Td (2022 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 349.34 677.90 Td (Notes, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.74 677.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 392.53 677.90 Td (entity ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.88 677.90 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 436.00 677.90 Td (released ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 471.32 677.90 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.33 677.90 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 505.35 677.90 Td (guarantees ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 550.68 677.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 665.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 50.72 665.90 Td (Notes. ) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 641.90 Td (Regulatory ) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 84.06 641.90 Td (changes) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 617.90 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.05 617.90 Td (Denmark: ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 89.75 617.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.91 617.90 Td (draft ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 118.50 617.90 Td (law ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 135.66 617.90 Td (was ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 153.92 617.90 Td (published ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 195.53 617.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 206.02 617.90 Td (February ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 244.84 617.90 Td (2020 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.56 617.90 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 281.94 617.90 Td (consultation, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 336.03 617.90 Td (including ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 376.52 617.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 383.68 617.90 Td (proposed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 422.46 617.90 Td (APR ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 444.63 617.90 Td (cap ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.22 617.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 472.27 617.90 Td (35%, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 495.82 617.90 Td (overall ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.30 617.90 Td (cost ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 545.12 617.90 Td (cap ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 605.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 47.87 605.90 Td (100% ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 74.74 605.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 92.71 605.90 Td (limitations ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 139.03 605.90 Td (on ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 152.56 605.90 Td (marketing. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 198.89 605.90 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 217.97 605.90 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.06 605.90 Td (continues ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.93 605.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.24 605.90 Td (participate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 345.98 605.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 357.29 605.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 373.05 605.90 Td (consultation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 425.47 605.90 Td (process. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.49 605.90 Td (Once ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 486.13 605.90 Td (finalised, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.60 605.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 542.36 605.90 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 593.90 Td (regulation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.04 593.90 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 88.21 593.90 Td (expected ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 126.24 593.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 136.52 593.90 Td (come ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 160.68 593.90 Td (into ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 178.73 593.90 Td (force ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.77 593.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 212.05 593.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 226.77 593.90 Td (3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 231.77 598.43 Td (rd) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 237.18 593.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.68 593.90 Td (quarter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 270.50 593.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 281.33 593.90 Td (2020.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 569.90 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 46.37 569.90 Td (Poland: ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 78.97 569.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 93.23 569.90 Td (Competition ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 145.27 569.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 161.75 569.90 Td (Consumer ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 204.90 569.90 Td (Protection ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.59 569.90 Td (Authority ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.52 569.90 Td (\(UOKiK\) ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 328.88 569.90 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.60 569.90 Td (reviewing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 379.62 569.90 Td (market ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 409.43 569.90 Td (practice ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 443.11 569.90 Td (for ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 456.81 569.90 Td (treatment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 496.61 569.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 506.98 569.90 Td (up-front ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 541.79 569.90 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 557.90 Td (fees ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 54.13 557.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 63.94 557.90 Td (cases ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 87.07 557.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 97.43 557.90 Td (early ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 119.44 557.90 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.69 557.90 Td (repayment. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 185.27 557.90 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 202.85 557.90 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.43 557.90 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.79 557.90 Td (conducted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 288.92 557.90 Td (reviews ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 322.05 557.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 332.41 557.90 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 343.89 557.90 Td (practices ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 381.45 557.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 391.26 557.90 Td (this ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 407.74 557.90 Td (area, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 428.91 557.90 Td (and ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.38 557.90 Td (had ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 461.85 557.90 Td (already ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 493.30 557.90 Td (adopted ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 526.99 557.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 533.46 557.90 Td (partial ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 545.90 Td (refund ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 65.17 545.90 Td (approach ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 104.89 545.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 115.74 545.90 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.26 545.90 Td (Polish ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 156.34 545.90 Td (instalment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.08 545.90 Td (loan ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 221.37 545.90 Td (product ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 254.99 545.90 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 265.28 545.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 280.57 545.90 Td (start ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 300.85 545.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 312.26 545.90 Td (2019. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 337.83 545.90 Td ( ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 340.90 545.90 Td (In ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 352.31 545.90 Td (January ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 386.48 545.90 Td (2020 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 409.55 545.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 424.84 545.90 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 453.46 545.90 Td (received ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 490.40 545.90 Td (judgements ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 539.58 545.90 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 533.90 Td (UOKiK ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 69.90 533.90 Td (which ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.58 533.90 Td (includes ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.14 533.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 138.82 533.90 Td (requirement ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 189.37 533.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 199.38 533.90 Td (apply ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 223.84 533.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 230.51 533.90 Td (stricter ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 260.52 533.90 Td (full-refund ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 306.07 533.90 Td (approach ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 344.95 533.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 354.97 533.90 Td (relation ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 387.75 533.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.76 533.90 Td (early ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 419.99 533.90 Td (repayments ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 468.32 533.90 Td (from ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 489.99 533.90 Td (new ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 508.89 533.90 Td (lending. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 543.46 533.90 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 521.90 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 64.05 521.90 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 79.88 521.90 Td (appealed ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 117.91 521.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 132.63 521.90 Td (judgements ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 181.23 521.90 Td (as ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.06 521.90 Td (applicable ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 235.65 521.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 245.93 521.90 Td (prior ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 267.87 521.90 Td (periods, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 302.31 521.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 309.25 521.90 Td (process ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 341.74 521.90 Td (that ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 359.23 521.90 Td (is ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 368.40 521.90 Td (expected ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 406.43 521.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.71 521.90 Td (take ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 435.87 521.90 Td (at ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.58 521.90 Td (least ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 466.41 521.90 Td (two ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 483.91 521.90 Td (years ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 507.51 521.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 517.79 521.90 Td (finalise.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 36.00 497.90 Td (Financing) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 473.90 Td (4finance ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 72.92 473.90 Td (Holding ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 108.20 473.90 Td (S.A. ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 128.49 473.90 Td (paid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 148.20 473.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 155.14 473.90 Td (dividend ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 192.64 473.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 203.47 473.90 Td (9 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 215.97 473.90 Td (million ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 247.36 473.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 257.64 473.90 Td (December ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 301.22 473.90 Td (2019, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 326.22 473.90 Td (bringing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 362.61 473.90 Td (the ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 377.32 473.90 Td (total ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 397.60 473.90 Td (paid ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 417.31 473.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 427.59 473.90 Td (2019 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 450.09 473.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 460.37 473.90 Td (14 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 477.87 473.90 Td (million.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 36.00 449.90 Td (The ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 53.53 449.90 Td (Group ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 81.07 449.90 Td (has ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 96.39 449.90 Td (selected ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 130.58 449.90 Td (investment ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 176.44 449.90 Td (banks ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 201.76 449.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 211.53 449.90 Td (advise ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 239.06 449.90 Td (it ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 246.60 449.90 Td (in ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 256.37 449.90 Td (respect ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 286.67 449.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 296.98 449.90 Td (a ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 303.41 449.90 Td (refinancing ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 350.93 449.90 Td (of ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 361.24 449.90 Td (its ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 372.68 449.90 Td (EUR ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 394.67 449.90 Td (2021 ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 416.65 449.90 Td (bonds, ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 445.03 449.90 Td (subject ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 475.34 449.90 Td (to ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 485.11 449.90 Td (market ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 514.86 449.90 Td (conditions.) Tj ET Q BT /F2 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 393.30 Td (Corporate ) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 85.93 393.30 Td (website: ) Tj ET Q BT /F2 11.00 Tf ET 0.25882352941176473 0.25882352941176473 0.25882352941176473 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 123.4189453125 391.578857421875 m 211.408203125 391.578857421875 l s q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 123.42 393.30 Td (www) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 146.64 393.30 Td (.4finance.com) Tj ET Q BT /F2 11.00 Tf ET BT /F2 12.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 373.77 Td (4finance Holding S.A.) Tj ET Q BT /F1 10.00 Tf ET q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 39.00 359.07 Td (Address: ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 77.05 359.07 Td (8-10 ) Tj ET Q q 0 0 0 rg BT 97.33 359.07 Td (A) Tj ET Q q 0 0 0 rg BT 103.81 359.07 Td (venue de la Gare, L-1610, Grand Duchy of ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 278.19 359.07 Td (Luxembour) Tj ET Q q 0.25882352941176473 0.25882352941176473 0.25882352941176473 rg BT 324.66 359.07 Td (g) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 47 0 obj <> /View <>>>>> endobj 48 0 obj <> /View <>>>>> endobj 49 0 obj <> endobj 50 0 obj <> stream xy\E7~n{{w'd'52 HaGPPA!"" b-&h,+TLy?:uk?uΩoH""?W~.Xv3&rm 2\jMgwm'CڴzlycǏ\ rBjx\DsV@{twocmC{Iwl11z:1m!t-\q3D.:yz'Wɨp[_F=>E"ǢӦ/|K&_~=!wn-az3¦h$7,ؑ2Oo_eSFLlk}Fg[F>|;