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 Items considered “one-off” in the covered periods:
9M 2019: Adjustment of the selling price of Komerční pojišťovna (CZK 55 mil. in Profit attributable to exclusion of companies from consolidation)
9M 2018: Finalisation of sale price for KB’s former stake in Cataps in connection with the sale of additional 19% in Cataps (CZK 82 mil. in Profit attributable to exclusions of companies from consolidation), restructuring reserve (CZK -223 mil. in Pers. expenses, CZK -71 mil. in GAE and CZK 56 mil. in Income taxes) and release of corporate service fees for SG assistance (CZK 193 mil. In GAE and CZK -37 mil. in Income taxes)
 Excluding volatile reverse repo operations with clients but including debt securities issued by KB’s clients and held by the Bank. If reverse repo operations are included, gross lending increased by 2.6% to CZK 657.1 billion.
 Excluding repo operations with clients. The total volume of ‘Amounts due to customers’ moved up by 5.8% to CZK 899.9 billion.