Slides
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Bank Handlowy w Warszawie S.A. 2Q’26 earning conference August 27th, 2026
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2 2Q’26 | Financial results summary 2Q’26 Financial results (corporate banking , financial markets and discontinued operations) Revenue PLN 878 MM Net profit PLN 321 MM ROE 21.0% Balance sheet dynamics YoY (corporate banking and financial markets Loans +16% Deposits +12% Capital ratio TCR 25.8% Full focus on Corporate Banking growth, completion of the retail banking separation process Sixth consecutive quarter of corporate loan growth. Global clients remain a key pillar of the loan portfolio, holding a dominant 38% share of total loans Ensuring clients' financial resilience during times of financial market uncertainty FX volumes grew by 14% QoQ to a record high level. The total value of transactions executed on the equity and debt markets amounted to PLN 7.4 billion. Establishing sticky relationships with clients through technological integration Deploying modern technological solutions – Citi FX Pulse (FX platform). Faster rollout of the CitiConnect API and integration with the bank.
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3 Corporate Banking and Financial Markets | Operating segments Transaction Services and Custody: liquidity management, payments, trade finance and custody services Relationship Banking (Banking): investment banking and financing Client activity: FX, risk management, capital markets (brokerage activities) Interbank operations: debt financial instruments and derivatives Corporate Banking (Services and Banking) Financial Markets (Markets) New operating segments Competitive advantages Institutional Bank - Bank for Global Business Globality Long-lasting relationships 24 41% Number of European countries where Citi operates Share of global clients in the bank's revenue 3.8 ~60% Average number of products held by institutional clients Share of institutional clients with whom the bank has a relationship of at least 10 years
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3 615 4 160 4 568 4 708 5 892 11 845 11 950 11 788 12 837 12 053 15 460 16 110 16 356 17 545 17 945 06.2025 09.2025 12.2025 03.2026 06.2026 +2% Banking sector +3% +16% Banking sector +10% 4 Corporate Banking and Financial Markets | Business volumes Loan volumes (PLN MM) Deposit volumes (PLN MM) Financial markets ↑17% YoY – FX transaction volumes ↑16% YoY – value of transactions concluded through brokerage department Transaction activity and custody ↑6% YoY - number of domestic money transfers ↑34% YoY – value of trade finance assets ↑22% YoY – volume of assets under custody Relationship banking PLN 1.4 B – new financing granted and increase in current financing volume excluding reverse-repo transactions and collateral deposits (6%) (3%) +17% (11%) +33% +22% 37 164 35 071 33 641 39 119 40 371 4 984 5 318 6 014 6 710 6 70442 148 40 389 39 654 45 829 47 075 06.2025 09.2025 12.2025 03.2026 06.2026 +12% Banking sector +12% +3% Banking sector +4% +9% +9% (8%) +7% +12% +29% +19% +17% 1. 2. 4. 3. Corporate Clients Global Clients Commercial Banking QoQ YoY Public sector Dynamics of liabilities to clients: Corporate Clients Global Clients Commercial Banking QoQ YoY Dynamics of clients’ assets: 1. 2. 3. Non-financial sector Financial sector Products | Key 2Q’26 dynamics Non-financial sector Financial sector
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Corporate Banking and Financial Markets | Business activity 5 Awards KPIs ESG Syndicated Loan Agreement PLN 2.2 B Mandated Lead Arranger 2026 Adam Smith Award – Best Funding Solution Poland's Best Investment Bank for M&A Financial markets Bond issue arranging PLN 1.25 B Accelerated offering of shares Global Co-coordinator PLN 6.1 B Euromoney Awards Excellence 2026
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Global Community Day 2026 1,830 Citi volunteers Support for 117 organizations in Poland Over 24,000 beneficiaries 6
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Consolidated financial results 7
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Relationship Banking: credit activity excl. trade finance and investment activity Custody: custody activity FX and capital markets: client FX and capital markets Transaction Banking: liquidity management, payments, trade finance and working capital 332 390 577 273 448 443 394 423 780 833 971 696 1Q'25 2Q'25 1Q'26 2Q'26 (16%) (28%) Corporate Banking (Services & Banking) +7% QoQ (5%) YoY Financial Markets (53%) QoQ (30%) YoY Realized gains on the sale of debt securities in 1Q 2026 722 851 1H'25 1H'26 8 Total Revenue | Corporate Banking and Financial Markets Total Revenue (PLN MM) Segment Revenues (%) management view Strong business volume dynamics in Corporate Banking segment, driven by utilization of Bank’s competitive advantages 51% 37% 54% 7% 5% 8% 36% 52% 31% 7% 5% 8% 2Q 2025 1Q 2026 2Q 2026 FX and capital markets Custody Transaction Banking Relationship Banking High 2Q’26 revenues in Corporate Banking segment, as a result of transactions on capital markets Financial Markets PLN MM
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4,41% 4,15% 3,95% 3,64% 3,58% 3,23% 3,21% 3,14% 3,11% 3,10% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 9 Net interest income | Corporate Banking and Financial Markets Net interest income (PLN MM) Net interest margin 210 184 178 162 338 346 293 297 547 530 471 459 1Q'25 2Q'25 1Q'26 2Q'26 * Net Interest margin = quarterly net interest income x 4 / average working assets balance for last 4 consecutive quarters Net interest margin* – Bank vs. Banking Sector (13%) (3%) Interest income on clients’ loans dynamics while NBP reference rate remained stable +10% QoQ NBP reference rate: 4.75% Bank Banking sector 5.25% 4.00% 3.75%+2% QoQ (14%) YoY (9%) QoQ (12%) YoY 3.75% Growing loan volumes supporting clients’ interest income Corporate Banking (Services & Banking) Financial Markets
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10 Net fee and commission income | Corporate Banking and Financial Markets 61 60 65 66 25 30 30 34 20 13 9 144 3 4 5111 107 107 119 1Q 2025 2Q 2025 1Q 2026 2Q 2026 +11% +10% Net fee & commission income (PLN MM) Transaction Banking Custody Relationship Banking Brokerage +2% QoQ +10% YoY +13% QoQ +12% YoY +50% QoQ +12% YoY +30% QoQ +58% YoY +34% YoY +16% YoY Volume of trade finance assets Volume of capital market transactions
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11 Financial Markets | Markets 0 8 2 3 40 105 195 27 82 92 202 81 210 184 179 162 332 390 577 273 1Q 2025 2Q 2025 1Q 2026 2Q 2026 (30%) (53%) Net interest income Trading result1) AFS result Income on FX – client activity Revaluation reserve (PLN MM) Treasury result (PLN MM) Balance sheet structure (%) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 +2% +5% (11%) 36 137 241 (108) 85 06.2025 09.2025 12.2025 03.2026 06.2026 32% 33% 33% 33% 32% 45% 47% 44% 38% 49% 23% 20% 22% 29% 18% 100% 100% 100% 100% 100% 06.2025 09.2025 12.2025 03.2026 06.2026 Debt investment financial assets and assets held for trading Operations with Central Bank and Amounts due from banks Other 68% 1) Trading result: valuation and sale of debt financial assets held for trading, derivatives operations, result on FX 2) Other: brokerage, result on hedging 67% Other 2) (3%) 722 851 1H 2025 1H 2026 +18% 67%
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449 546 28 40 0 29 0 1H'25 operating expenses Staff expenses External services (incl. IT) and real estate costs Marketing Regulatory expenses Depreciation 1H'26 operating expenses 12 Expenses | Corporate Banking and Financial Markets Operating expenses (PLN MM) 117 106 127 123 63 53 79 77 11 12 11 12 88 118 279 171 335 211 1Q 2025 2Q 2025 1Q 2026 2Q 2026 Expenses excl. Regulatory expenses (3%) QoQ +44% YoY (4%) QoQ +16% YoY 36% Regulatory expenses 190 34%20% 217 +24% (37%) 1H’26 Expenses by type (PLN MM) +22% Technological investments growth translated into growing business volumes (Citi FX Pulse –FX volumes growth by 12% YoY in 1H 2026) 30% Maintained high cost efficiency of the Bank Cost / Income (quarterly approach) Administrative expenses Staff expenses Depreciation
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13 Cost of Risk | Corporate Banking and Financial Markets 8 1 17 59 1Q 2025 2Q 2025 1Q 2026 2Q 2026 *Increase of provisions presented with the sign (+), decrease with the sign (-) Cost of risk in bps.* Share of stage 3 in loan portfolio (amounts due from non-financial sector) Cost of Risk Risk ratios (PLN MM) Banking sector Citi Handlowy2,5% 2,6% 2,7% 2,4% 2,4% 2,5% 2,4% 2,0% 3,6% 5,2% 5,7% 5,7% 5,7% 5,6% 5,7% 5,5% 6,0% 6,1% 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 -1 3 12 14 8 18 14 18 47 19 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Normalized cost of risk *Ratio of provisions for loan losses over last four quarters divided by the average volume of the loan portfolio for last four quarters Excluding impact of one-off events in 2Q’26 Cost of risk impacted by one-off events. All regulatory requirements related to loan portfolio quality are fulfilled
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2Q26 1Q26 QoQ 2Q25 YoY I poł. 2026 I poł. 2025 YoY Institutional Bank: Net interest income 459 471 (2.5%) 530 (13.3%) 931 1,078 (13.6%) Net fee and commission income 119 107 10.4% 107 11.3% 226 217 4.0% Core revenues 578 579 (0.1%) 637 (9.2%) 1,157 1,295 (10.7%) Treasury 107 393 (72.7%) 202 (46.9%) 500 322 55.5% Other income 11 (1) - (6) - 10 (4) - Total revenue 696 971 (28.4%) 833 (16.4%) 1,667 1,613 3.4% Operating expenses and depreciation (211) (335) (36.9%) (171) 23.9% (546) (449) 21.7% Operating margin 485 636 (23.8%) 662 (26.8%) 1,121 1,164 (3.7%) Cost of risk (59) (17) - (1) - (76) (9) - Profit on sale of other assets 30 0 - (1) - 30 1 - Bank levy (44) (33) 33.0% (36) 21.4% (76) (64) 18.9% Profit before tax 412 587 (29.8%) 624 (34.1%) 998 1,091 (8.5%) Income tax expense (136) (194) (30.1%) (110) 23.2% (330) (217) 52.1% Net profit / (loss) from discontinued operations 45 (7) - (349) - 38 (274) - Net profit 321 386 (16.8%) 166 93.8% 706 601 17.6% ROE 21.0% 19.2% 1.8 p.p. 17.9% 3.1 p.p. 21.0% 17.9% 3.1 p.p. ROA 2.3% 2.0% 0.3 p.p. 2.0% 0.3 p.p. 2.3% 2.0% 0.3 p.p. Revaluation reserve 85 (108) - 36 135.5% 85 36 135.5% Assets 72,572 88,231 (17.7%) 84,297 (13.9%) 72,572 84,297 (13.9%) Institutional clients' loans (excl. reverse repo) 17,945 17,545 2.3% 15,460 16.1% 17,945 15,460 16.1% Deposits 47,075 45,829 2.7% 42,148 11.7% 47,075 42,148 (11.7%) Total capital ratio (TCR) 25.8% 20.3% 23.8% 14 Summary of the Capital Group financial results
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Appendix 15
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16 0 100 000 200 000 300 000 400 000 500 000 600 000 0,00 20,00 40,00 60,00 80,00 100,00 120,00 140,00 160,00 180,00 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 P/E P/BV 0,80 1,00 1,20 1,40 1,60 1,80 2,00 2,20 Change in share price performance (1 year perspective): Citi Handlowy +22% WIG-Banki +37% PLN 101.00 PLN 138.24 PLN 123.00 Citi Handlowy 9.8 PL banks* 11.8 Citi Handlowy 1.6 PL banks* 2.0 Last quoted on August 21st, 2026 (Citi Handlowy: PLN 123.00) 4 6 8 10 12 14 Citi Handlowy – change in share price Change in Bank’s share price vs. WIG-Banks index BHW’s share valuation vs. other banks* WIG-Banks Citi Handlowy volumes Citi Handlowy * Other banks – the 8 largest banks in Poland
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17 Forecasts for Polish economy GDP of Poland (%, YoY) 3,6 3,5 3,5 3,4 3,4 3,5 2,9 2025 1Q 2026F 2Q 2026F 3Q 2026F 4Q 2026F 2026F 2027F Consumption and investments (%, YoY) Based on Citi analyst forecasts (data as of 8/24/2026) 2,9 3,7 2,9 -0,9 4,3 7,6 2024 2025E 2026F • Inflation is likely to increase significantly in the coming months, perhaps reaching levels above 3.5% YoY by the end of the year. • An interest rate cut following the dovish tone of the July meeting is unlikely, given the renewed pressure from oil prices. We expect interest rates to remain unchanged in the near term. • Economic growth remains solid—we expect growth of 3.5% YoY in 2026, while investment should rise driven by inflow of EU funds. NBP reference rate (%, EoP) 5,75 4,00 3,75 2024 2025 2026F Investments Private consumption Based on Citi analyst forecasts (data as of 8/24/2026) Based on Citi analyst forecasts (data as of 8/24/2026)
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18 Capital Group – profit and loss account 2Q25 3Q25 4Q25 1Q26 2Q26 2Q26 vs.1Q26 2Q26 vs.2Q25 1H2025 1H2026 1H2026 vs. 1H2025 PLN MM PLN MM % PLN MM % PLN MM CONTINUED OPERATIONS Net interest income 530 516 511 471 459 (12) (3%) (71) (13%) 1 078 931 (147) (14%) Net fee and commission income 107 106 108 107 119 11 10% 12 11% 217 226 9 4% Dividend income 11 1 0 0 14 14 - 3 23% 12 14 3 23% Net gain on trading financial instruments and revaluation 92 109 81 202 81 (121) (60%) (11) (12%) 175 283 109 62% Net gain on debt investment financial assets measured at fair value through other comprehensive income 105 19 9 195 27 (167) (86%) (78) (74%) 145 222 77 53% Hedge accounting 4 (4) 4 (4) (1) 3 (71%) (5) - 2 (5) (7) - Treasury 202 125 94 393 107 (286) (73%) (95) (47%) 322 500 179 56% Net gain on other equity instruments (8) 0 17 (6) (7) (1) 21% 1 (14%) (6) (12) (6) 99% Net other operating income (10) (6) 2 5 3 (2) (34%) 13 - (9) 8 17 - Revenue 833 742 732 971 696 (275) (28%) (137) (16%) 1 613 1 667 54 3% Expenses (159) (160) (155) (324) (200) 125 (38%) (41) 26% (427) (524) (97) 23% Depreciation (12) (10) (10) (11) (12) (1) 10% (0) 1% (22) (22) (0) 0% Expenses and depreciation (171) (170) (165) (335) (211) 124 (37%) (41) 24% (449) (546) (97) 22% Operating margin 662 573 567 636 485 (152) (24%) (178) (27%) 1 164 1 121 (43) (4%) Net impairment allowances on non-financial assets - - - - - - - - - - - - - Profit/(loss) on sale of tangible fixed assets (0,6) (0,0) (0,0) (0,1) 30,0 30,2 - 30,6 - 0,6 29,9 29,3 5148% Provision for expected credit losses on financial assets and provisions for off–balance sheet commitments (1) (20) 3 (17) (59) (43) 255% (58) 4882% (9) (76) (67) 747% Tax on certain financial institutions (36) (31) (28) (33) (44) (11) 33% (8) 21% (64) (76) (12) 19% Profit before tax from continuing operations 624 522 541 587 412 (175) (30%) (213) (34%) 1 091 998 (93) (9%) Corporate income tax (110) (110) (69) (194) (136) 59 (30%) (26) 23% (217) (330) (113) 52% Net profit from continuing operations 514 411 473 392 276 (117) (30%) (239) (46%) 874 668 (206) (24%) Net profit from discontinued operations (349) 58 124 (7) 45 52 - 394 - (274) 38 312 - Net profit from continuing and discontinued operations 166 469 596 386 321 (65) (17%) 155 94% 601 706 106 18% C/I ratio 20% 23% 23% 34% 30% 28% 33%
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19 Corporate Banking - profit and loss account 1Q25 2Q25 1Q26 2Q26 2Q26 vs. 1Q26 2Q26 vs 2Q25 1H2025 1H 2026 1H2026 vs 1H2025 PLN MM PLN MM % PLN MM % PLN MM % Net interest income 338 346 293 297 5 2% (48) (14%) 683 590 (93) (14%) Net fee and commission income 107 105 104 115 11 11% 10 9% 213 219 6 3% Dividend income 0.1 11.4 0.1 14.1 14 - 3 23% 12 14 3 23% Net gain on trading financial instruments and revaluation - - - - - - - - - - - - Net gain on debt investment financial assets measured at fair value through other comprehensive income - - - - - - - - - - - - Hedge accounting - - - - - - - - - - - - Treasury - - - - - - - - - - - - Net gain on other equity instruments 2 (8) (6) (7) (1) 21% 1 (14%) (6) (12) (6) 99% Net other operating income 1 (12) 3 3 (0) (1%) 14 - (10) 6 16 - Revenue 448 443 394 423 29 7% (20) (5%) 891 817 (74) (8%) Expenses (203) (116) (246) (146) 100 (41%) (30) 26% (319) (392) (73) 23% Depreciation (8) (9) (8) (8) (1) 7% 0 (2%) (16) (16) 0 (2%) Expenses and depreciation (210) (124) (253) (154) 99 (39%) (30) 24% (335) (408) (73) 22% Operating margin 237 318 141 268 128 91% (50) (16%) 556 409 (147) (26%) Profit/(loss) on sale of tangible fixed assets 0.8 (0.4) (0.1) 22.0 22 - 22 - 0.4 21.9 22 5160% Provision for expected credit losses on financial assets and provisions for off–balance sheet commitments (8) (1) (21) (57) (37) 177% (56) 6957% (8) (78) (70) 832% Tax on certain financial institutions (20) (25) (24) (33) (9) 36% (8) 33% (44) (57) (13) 29% EBIT 211 292 96 200 104 109% (92) (32%) 503 296 (208) (41%) C/I ratio 47% 28% 64% 37% 38% 50%
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20 Financial Markets - profit and loss account 1Q25 2Q25 1Q26 2Q26 2Q26 vs.1Q26 2Q26 vs.2Q25 1H2025 1H2026 1H2026 vs. 1H2025 PLN MM PLN MM % PLN MM % PLN MM % Net interest income 210 184 178 162 (16) (9%) (22) (12%) 394 340 (54) (14%) Net fee and commission income 3 1 4 4 0 0% 2 145% 5 7 3 55% Dividend income - - - - - - - - - - - - Net gain on trading financial instruments and revaluation 82 92 202 81 (121) (60%) (11) (12%) 175 283 109 62% Net gain on debt investment financial assets measured at fair value through other comprehensive income 40 105 195 27 (167) (86%) (78) (74%) 145 222 77 53% Hedge accounting (2) 4 (4) (1) 3 (71%) (5) - 2 (5) (7) - Treasury 120 202 393 107 (286) (73%) (95) (47%) 322 500 179 55% Net gain on other equity instruments - - - - - - - - - - - - Net other operating income (1) 2 2 0 (2) (81%) (2) (81%) 1 2 1 65% Revenue 332 390 577 273 (304) (53%) (117) (30%) 722 851 128 18% Expenses (65) (43) (79) (53) 25 (32%) (10) 24% (108) (132) (24) 22% Depreciation (3) (3) (3) (3) (0) 15% (0) 10% (6) (6) (0) 7% Expenses and depreciation (68) (46) (82) (57) 25 (30%) (11) 23% (114) (138) (24) 21% Operating margin 264 344 496 216 (279) (56%) (127) (37%) 608 712 104 17% Profit/(loss) on sale of tangible fixed assets 0 (0) (0) 8 8 - 8 - 0 8 8 5115% Provision for expected credit losses on financial assets and provisions for off–balance sheet commitments (0) (0) 4 (2) (6) - (2) 490% (1) 2 2 - Tax on certain financial institutions (9) (11) (9) (11) (2) 24% 0 (3%) (20) (19) 0 (2%) EBIT 256 332 491 211 (279) (57%) (121) (36%) 588 702 115 20% C/I ratio 21% 12% 14% 21% 16% 16%
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21 Balance sheet - assets Jun.26 vs. Mar.26 Jun.26 vs. Jun.25 PLN B Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 PLN B % PLN B % Cash and cash equivalents 11.0 8.2 9.2 13.7 2.8 (6.4) (69%) (8.2) (74%) Amounts due from banks 8.7 7.3 8.2 11.6 10.4 2.2 27% 1.8 20% Financial assets held-for-trading 5.9 5.4 4.8 3.8 4.6 (0.2) (5%) (1.3) (22%) Debt financial asstes measured at fair value through other comprehensive income 31.9 32.1 30.2 29.6 31.2 1.1 4% (0.6) (2%) Net gain/(loss) on equity and other instruments measured at fair value through income statement 0.2 0.2 0.2 0.2 0.1 (0.1) (27%) (0.0) (20%) Customer loans 18.6 18.4 18.2 21.0 21.1 2.9 16% 2.5 13% Financial sector entities 6.8 6.4 6.4 8.2 9.1 2.6 41% 2.3 34% including reverse repo receivables 1.3 0.5 0.0 1.9 1.6 1.6 - 0.3 21% Non-financial sector entities 11.8 11.9 11.8 12.8 12.1 0.3 2% 0.2 2% Tangible fixed assets 0.5 0.4 0.4 0.4 0.3 (0.1) (26%) (0.1) (27%) Intangible assets 0.9 0.9 0.9 0.9 0.9 0.0 0% 0.0 1% Deferred tax asset 0.2 0.2 0.2 0.3 0.1 (0.2) (70%) (0.1) (55%) Non-current assets held-for-sale and assets in disposal groups held-for-sale 6.1 6.1 6.1 6.0 - (6.1) (100%) (6.1) (100%) Other assets 0.5 0.4 0.4 0.7 0.9 0.6 143% 0.5 100% Total assets 84.3 79.5 78.8 88.2 72.6 (6.3) (8%) (11.7) (14%)
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22 Bilans – zobowiązania i kapitały własne Jun.26 vs. Mar.26 Jun.26 vs. Jun.25 PLN B Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 PLN B % PLN B % Liabilities due to banks 4.5 3.3 3.9 5.2 9.5 5.6 142% 4.9 109% Financial liabilities held-for-trading 3.1 2.7 2.7 2.8 2.9 0.2 9% (0.2) (5%) Financial liabilities due to customers 41.7 39.4 38.4 44.7 48.2 9.8 25% 6.6 16% Financial sector entities - deposits 5.0 5.3 6.0 6.7 6.7 0.7 11% 1.7 34% Non-financial sector entities - deposits 36.7 34.1 32.4 38.0 41.5 9.1 28% 4.8 13% Liabilities in disposal groups held-for-sale 22.4 22.4 22.3 22.4 - (22.3) (100%) (22.4) (100%) Other liabilities 3.4 2.3 1.5 3.1 2.6 1.2 78% (0.8) (23%) Total liabilities 75.1 70.2 68.8 78.1 63.2 (5.6) (8%) (11.8) (16%) Share capital 0.5 0.5 0.5 0.5 0.5 - 0% - 0% Supplementary capital 3.0 3.0 3.0 3.0 3.0 - 0% 0.0 0% Own shares (0.0) (0.0) (0.0) (0.0) (0.0) 0.0 (47%) 0.0 (7%) Revaluation reserve 0.0 0.1 0.2 (0.1) 0.1 (0.2) (65%) 0.0 134% Other reserves 5.1 4.7 4.7 4.6 4.6 (0.0) (1%) (0.5) (10%) Retained earning 0.6 1.1 1.7 2.0 1.1 (0.5) (33%) 0.5 89% Total Equity 9.2 9.3 10.0 10.1 9.3 (0.7) (7%) 0.1 1% - - Total liabilities & equity 84.3 79.5 78.8 88.2 72.6 (6.3) (8%) (11.7) (14%) Loans / Deposits ratio 41% 44% 46% 42% 42%
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Contents Double click the XX and backspace to remove. To add extra rows Go to the end of the line, hit return then CTRL Z (to undo autoformatting). Type the number, TAB key, Agenda Item, TAB key, type page number. 00 TAB Text TAB XX Contents Double click the XX and backspace to remove. To add extra rows Go to the end of the line, hit return then CTRL Z (to undo autoformatting). Type the number, TAB key, Agenda Item, TAB key, type page number. 00 TAB Text TAB XX Contact: Investor Relations: relacjeinwestorskie@citi.com Adam Piotrak Head of Investor Relations Bureau adam.piotrak@citi.com Monika Paczuska Investors Relations Analysts monika.paczuska@citi.com