PCF Group plc announced that At 30 September 2020, a second lockdown had not been foreseen and the UK's future relationship with Europe was still unclear. A cautious assessment of the outlook was therefore essential. Given the rapidly changing environment, it is not appropriate to provide firm guidance on future performance, so the Group's previous operating targets remain withdrawn. The level of growth in the loan book will remain uncertain. however, have some certainty on net interest margin and costs and expect that the cost of risk in current financial year will be substantially lower, assuming no further deterioration in the economic outlook.