In the third quarter of 2014, PKO Bank Polski Group generated net profit of 873,4 million zł, 16.1 percent more y/y and 2.1 percent more than in the previous quarter. Net interest income increased by 21.6 percent y/y and by 2 percent q/q, reaching the amount of 1,979 million zł, net fee and commission income amounted to a high 727 million zł. In the third quarter, write-offs value dropped compared to the previous quarter and amounted to 475,2 million zł. Cost of risk improved by 0.2 percentage points y/y, reaching 1.09 percent. Traditionally, profitability and operating efficiency reached very high levels.