Consensus

PLN MM	Average	Max	Min	Average	Max	Min	Number of forecasts
	Consensus 2022			Consensus 2023			Number of forecasts
Net interest income	1 645	2 138	738	1 820	2 341	1 160	8
Net fee & commission income	631	657	589	647	681	608	8
Other operating result	619	972	461	513	572	472	8
Revenue	2 894	3 377	2 130	2 981	3 421	2 323	8
General admin costs & depreciation	(1 289)	(1 350)	(1 173)	(969)	(1 415)	(1 379)	8
Net provisions	(95)	(184)	(54)	(97)	(252)	(182)	8
Operating income	1 510	1 872	860	1 915	4 981	1 029	8
Net profit	1 020	1 303	581	1 042	1 377	712	8

Total assets	64 221	70 700	61 861	65 585	71 900	61 222	6
Loans	21 853	24 000	18 205	22 678	24 900	19 278	6
Deposits	44 970	47 435	41 909	46 367	49 522	43 596	6

The above earnings consensus was prepared by IR team basing on reports of sell-side analysts covering Bank Handlowy
(see the list of sell-side analysts).
Recommendation issued in the period from 2021/12/07 to 2022/08/01.