Alior Bank S.A.

Ladies and gentlemen, Dominik Prokop of Investor Relations.

I would like to welcome everyone to our conference, Elior Bank results conference after the first half of 2023.

Traditionally, in the first part of our conference, you'll hear about the results and some major trends and some comments regarding our results. And this will be presented by Grzegorz Olszewski, CEO at Allure Bank, Tomasz Miklas, VP CRO, Radomir Gibała, VP for Finance. And in the second part of our meeting, after the presentation is over, we will move on to Q&A. Before I give the floor to the CEO, Grzegorz, I would like to encourage you to think of questions, ask questions already during the first part, because once you've asked them, We will then be able to move smoothly to Q&A. Dominik, everyone, good morning. I would like to welcome you to our results conference after the first half 2023 and the second quarter 2023. Let's move on to discussing the results. You've already seen, I guess, very good results for the second quarter. Let me just point out to our commission related results year on year and this mostly results from increasing interest rates so interest income is growing but also let me tell you that in the second quarter we optimized our financing costs which also had a positive impact on our results so let me move on to some of the key