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  • Consolidated profit of EUR 997 million, excluding Russia and Belarus and including EUR 873 millionprovisions for CHF mortgages in Poland
  • Core revenues excluding Russia and Belarus up 17% year-over-year to EUR 6,006 million, driven bynet interest income
  • Lower provisioning for impairment losses year-over-year: EUR 296 million for the Group excluding Russia and Belarus
  • CET1 ratio excluding Russia improves to 14.6% (Group CET1 ratio at 17.3%)
  • Customer loans in Russia down EUR 3 billion in 2023 as part of de-risking approach to Russia
  • RBI Board to propose dividend of EUR 1.25 per share to the AGM on 4 April 2024

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