Consolidated profit of EUR 1,270 million (up 14% year-on-year) * Consolidated profit includes negative effects of EUR 159 million from IFRS 9 model fine-tuning and other effects not captured by the risk models as well as EUR 120 million from sale of Polish core banking operations * Operating income up 4% year-on-year driven by net interest income and net fee and commission income * Loans to customers up 4% despite sale of Polish core banking operations * CET1 ratio at 13.4% (fully loaded), 85bps positive effect in Q4/2018 from disposal of Polish core banking operations * NPL ratio decreased 186bps to 3.8% while NPL coverage ratio improved 10.6 PP to 77.7%
