Unknown Executive

Good afternoon. Thank you for joining our follow-up call for First Quarter 2026 Results. We have with us Krzysztof Dresler, CFO; Piotr Mazur, Chief Risk Officer; Jakub Niesluchowski, Finance Director, and IR team.

And I already see Michal Konarski ready to ask the first question. Michal, floor is yours.

Michal Konarski
Biuro maklerskie mBanku SA, Research Division

Congratulations on the results. Actually, I've got 2 questions maybe for the beginning. First one, I would like to ask about the M&A. Actually saw that one of the biggest Polish financial companies, PZU, recently announced that they are acquiring insurer in Ukraine. And of course, they've got business over there already, but there is also like the ambition of the state to acquire bank in Ukraine.

And you've got a small bank in Ukraine. And the question is if you would consider an acquisition, which would also be in line with expectation of the state. This is the first question.

And the second question may be about the fee income. I was wondering what should we expect in terms of the dynamics in fee income this year, but maybe also in future, I was wondering, you've presented recently a lot of nice initiatives. I mean, Allegro, Zabka. And's I was wondering what do you expect from these initiatives? When they should contribute? What would be the impact, let's say, in 2 years' time on your net income dynamics? So those 2 questions.