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Dividend policy

Considering the current level of the Bank's capital and the priority tasks facing the Bank, i.e. rebuilding capital ratios and achieving sustainable profitability, until the capital ratios are rebuilt, the potential profit will supply all of the Bank's capital.

In line with earlier assumptions, in the years when the Bank achieved exceptionally positive results and had high solvency ratios, it would be possible to consider paying dividends to the Shareholders.

The dividend payment policy will be analysed and periodically reviewed by the Management Board, and decisions in this matter will be made taking into account a number of factors, including prospects for future operations, future profits, financial condition, demand for cash, development plans and legal requirements and supervisory guidelines in this regard. Each time the decision on dividend payment will be made by the Shareholders at the General Meeting.