number of business centres as at January 2019 after the reorganization of the sales structure resulting from the acquisition of the Core banking operations of Raiffeisen Bank Polska S.A.
normalized values calculated excluding loan holidays, integration costs incurred in connection with the implementation of the merger processes in 2016-2020. 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.
