The loan portfolio increased in 3Q26. We also anticipate a modest increase in NIM. Revenues are expected to increase by +8.3% yoy. However, given the cost management measures in place, this figure is only expected to rise slightly yoy. According to our estimates, net profit for 3Q26 will increase +9.2% yoy to CZK2.0bn. We estimate that Moneta will reiterate its FY guidance. We also expect Moneta to announce an extraordinary dividend of CZK5.