Interactive KPI

* Normalized values calculated excluding integration costs incurred in connection with the implementation of the merger processes in 2016-2020 and the impact of risk provisions related to litigation related to CHF housing loans in 2019-2021. In 2018 the impact of non-recurring events resulting from the adopted method of accounting for the acquisition of RBPL’s Core Business, i.e.: the cost of the allowance for expected credit losses in connection with the acquisition of RBPL’s Core Business (ECL) and the gain on the bargain purchase of RBPL’s Core Business was additionally excluded. From 2020 onwards, provisions for proceedings relating to CHF housing loans are presented as a separate line apart from income, this change has also been included for 2019.