Net creation of provisions for the first nine months of 2020 totalled CZK 3.4 billion. This amount includes charges for some expected losses caused by economic hardship ensuing from the coronavirus pandemic, as envisaged in the IFRS 9 accounting standard, as well as increased provisions for clients with deteriorated credit risk profile in a situation when actual defaulting of clients on their obligations has generally been prevented by payment moratoria. The reported attributable net profit was down (45.0%), at CZK 6.1 billion. Excluding the one-off items,1) attributable net profit was lower by (44.0%), at CZK 6.2 billion. Lending to clients increased by 5.9% to CZK 692.3 billion.2) Within this total, financing of housing from KB and Modrá pyramida expanded by 7.8% and consumer lending from KB and ESSOX grew by 1.3%. Lending to businesses and other clients was up by 4.8%.