* Net values, including loans measured at amortized cost and at fair value.
** Normalized values calculated excluding integration costs incurred in connection with the implementation of the merger processes in 2016-2020. 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.
*** For a portfolio measured at amortized cost.