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to accrue loan loss provisions for SME loans restructured due to the coronavirus pandemic and to maintain the quality assessment as of 1 February 2020.

situation of market volatility (e.g. , during a global financial crisis). The coronavirus pandemic is basically the first example of the crisis when nearly all

bureau data SUMMARY • The decline in retail lending activity due to the coronavirus pandemic and the related restrictive measures proved to be temporary. The quality

to last year’s figures. Consumer activity grew amid the decrease in coronavirus cases and the beginning of mass vaccination, but the percentage of the

transport, foreign tourism and hotels. The easing of epidemic-controlling restrictions as the coronavirus situation improves continues to help the recovery of demand for other market

insurance companies sell policies that cover risks of getting infected with the coronavirus infection. It was found that people sign agreements whose terms they do

may shift from domestic consumption to foreign travels. The risk of new coronavirus strains or lower paces of vaccination persists, which, in contrast, may reduce

among other things, by low vaccination rates and the spread of new coronavirus strains, as well as the ensuing tightening of restrictions. Medium-term inflation is

at 175 bp above the key rate. to the spread of the coronavirus infection. At auction means the amount of funds extended (transferred) by the

test. In general, despite the restrictions related to the spread of the coronavirus pandemic and a temporary decline in activity in the first half of