Slides
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Presentation of results for 2024 Warsaw, March 4, 2025
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2 Agenda 1. Operating activities 2. Credit risk 3. Financial results 4. Other issues
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3 Operating activities
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4 In 2024, Alior Bank achieved record financial results Net profit in 2024 amounted to PLN mn 2 445 (20% more than in 2023) Net profit in 4Q 24 amounted to PLN mn 615 (5% more than in 4Q 23) The number of mobile app users was 1.27 mn (17% more than at the end of December 2023) The number of customers with regular inflows was 1.04 mn (65 thousand more than at the end of December 2023) Safe capital position of the Bank Tier 1 ratio and TCR at 18.27% High surplus over regulatory minimums: • for Tier 1 it’s 9.76 pp. (PLN bn 5.0) • for TCR it’s 7.76 pp. (PLN bn 4.0) Significant decrease in the cost of risk Cost of risk in 2024 amounted to PLN mn 404 (35% less than in 2023) The CoR in 2024 was 0.62% and decreased by 0.37 pp. compared to 2023. Reduction of the NPL ratio to 6.81% A decrease of 1.77 pp. in the last 12 months Growth of the mortgage loan portfolio At the end of 2024, the portfolio of real estate loans granted to retail customers reached PLN bn 20.5 (+11% y/y) The share of residential real estate loans in the Bank's portfolio reached 31.2% (gross) The Management Board's intention is to recommend allocating approx. 50% of profit to dividends in 2025, provided that the individual dividend recommendation of the PFSA confirms the possibility of payment at this level. On the date of publication of the results for 2024 the Bank meets the PFSA's criteria enabling the payment of dividends up to 50% of the profit for 2024. In 2024, revenues amounted to PLN bn 6.06 (+8% y/y) • net interest income of PLN bn 5.18 (+9% y/y) • net commission income PLN mn 867 (+1% y/y)
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59,4 61,4 2023 2024 73,1 76,9 2023 2024 90,1 93,3 2023 2024 Another successful year for Alior Bank – growth of the loan portfolio while maintaining high profitability Deposits* (PLN bn) 5 Gross Performing Loans** (PLN bn)Assets (PLN bn) +4% +5% +3% * Liabilities to customers ** Volume of gross loans classified to stages 1 and 2 ROE 4Q 24 22.3% -3.8 pp. y/y C/I 4Q 24 37.9% +1.3 pp. y/y NPL 2024 6.81% -1.77 pp. y/y NIM 4Q 24 6.00% -0.21 pp. y/y TCR 2024 18.27% +0.44 pp. y/y COR 4Q 24 0.60% +0.13 pp. y/y C/I 2024 34.9% -0.2 pp. y/y NIM 2024 5.98% +0.09 pp. y/y ROE 2024 23.9% -2.4 pp. y/y COR 2024 0.62% -0.37 pp. y/y
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Consistent growth in the number of customers with banking relationship RETAIL CUSTOMERS 6 Users of Alior Bank mobile app (k) Number of customers (mn) Digital sales of loans (% of loans disbursed) Number of customers with regular inflows (k) 4,36 4,41 4,39 4,33 4,36 4,00 4,05 4,10 4,15 4,20 4,25 4,30 4,35 4,40 4,45 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1 081 1 146 1 199 1 237 1 270 0 200 400 600 800 1 000 1 200 1 400 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 980 991 1 016 1 034 1 045 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 26% 26% 28% 31% 31% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 +7% / +65 k - +5 pp. +17% / +189 k
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RETAIL CUSTOMERS 7 Balance of assets of retail customers (PLN bn) Gross loans to retail customers (PLN bn) Sale of consumer loans to retail customers (PLN bn) Growth of the deposit and loan portfolio Sale of mortgage loans to retail customers (PLN bn) 1,9 1,3 1,2 1,1 1,7 1,4 1,6 1,7 1,6 2,0 3,3 2,9 2,9 2,8 3,7 0,0 0,5 1,0 1,5 2,0 2,5 3,0 3,5 4,0 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Kredyty ratalne Pożyczka gotówkowa 5,2 5,4 6,2 6,9 11,4 12,3 0,0 2,0 4,0 6,0 8,0 10,0 12,0 14,0 2023 2024 Miliardy 0,2 0,4 0,6 0,6 0,7 1,8 1,2 0,1 2,1 1,6 0,7 0,6 0,7 0,0 0,5 1,0 1,5 2,0 2,5 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 w tym: Bezpieczny Kredyt 2% 1,7 2,4 2,4 1,3 4,0 3,7 0 0,5 1 1,5 2 2,5 3 3,5 4 4,5 2023 2024 Miliardy +13% +8% -64% -9% 21,2 20,5 18,6 20,5 4Q 23 4Q 24 Consumer loans Loans for real estate 39,7 41,1 +3% 36,3 37,2 37,8 38,4 38,8 14,1 14,2 14,2 13,8 15,1 1,5 1,3 1,1 0,7 0,63,1 3,7 4,2 4,9 5,46,0 6,1 6,2 6,3 6,0 61,0 62,5 63,4 64,1 65,8 12,0 17,0 22,0 27,0 32,0 37,0 42,0 47,0 52,0 57,0 62,0 67,0 72,0 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 +8% Current accounts Term deposits Bank Securities issues and others Investment funds Financial instruments in brokerage accounts Including: 2% Safe MortgageInstallment loans Cash loans
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BUSINESS CUSTOMERSGood results in the Business Customer segment Revenues* y/y +3.8% NPL y/y -2.15 pp.+1.4% PLN mn 1 676 in 2024 Revenue after cost of risk y/y • Market share in sales in 4Q 24 at 4% (+0.9 pp. y/y) • In 2024 we increased our market share in sales to 4.3% (+0.2 pp. y/y) • We maintain a high 9% market share in the self-employed („JDG”) segment * managerial presentation ** market share according to BIK data available on December 31, 2024, the portfolio is defined as the performing portfolio, excluding overdue payments of more than 90 days 8 ** 2,9 2,4 2,3 1,9 2,4 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 -16% Total committed loan limit (PLN bn)
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Improvement in the structure of the Business Customer portfolio* BUSINESS CUSTOMERS We maintain a stable performing portfolio. The decrease in the total loan volume is mainly due to the reduction of the non-performing portfolio. * subsegments Micro/Small/Medium/Large9 18,0 18,0 17,5 17,4 17,5 IV kw.23 I kw.24 II kw.24 III kw.24 IV kw.24 Loan volume (PLN bn) -3% 3,3 2,9 2,8 2,8 2,8 IV kw.23 I kw.24 II kw.24 III kw.24 IV kw. 24 Loan volume (PLN bn) non-performing portfolio -14% 14,7 15,1 14,7 14,6 14,7 IV kw.23 I kw.24 II kw.24 III kw.24 IV kw. 24 Loan volume (PLN bn) performing portfolio - 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24
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An upward trend in important performance measures BUSINESS CUSTOMERS The dynamic increase in sales of accounts in the Micro segment, including a further increase in online acquisitions, is the result of the consistent implementation of the business strategy. In the higher segments, we achieved a record level of over 90% of remote dispositions. 69% 79% 81% 80% 92% IV kw.23 I kw. 24 II kw. 24 III kw. 24 IV kw. 24 % of orders executed remotely in Small, Medium, and Large segments +23 pp. 52% 56% 61% 69% 72% IV kw.23 I kw.24 II kw.24 III kw.24 IV kw. 24 +99% Share of online accounts in sales in the Micro segment +19 pp. 4,2 4,8 4,6 5,1 5,0 IV kw.23 I kw.24 II kw.24 III kw.24 IV kw. 24 +99% Sale of accounts in the Micro segment (k) +18% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 10
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Alior Leasing's portfolio reached PLN bn 6.6, an increase by 6% y/y 11 6 194 6 341 6 411 6 435 6 577 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Lease and loans portfolio (PLN mn) • Alior Leasing's sales in 2024 amounted to PLN mn 3 080 and were 8% higher than in the previous year, • During 2024, the company grew significantly faster than the market, in its strategic segments, financing machinery and equipment worth PLN mn 688 throughout the year, 25% more than in 2023 (at that time, the market growth of this segment was 5%), • On the second key market, the financing of heavy transport vehicles, despite the difficult market situation, Alior Leasing defended its position, increasing its market share in this segment to 5.5%, • In 2024, Alior Leasing registered 7 thousand heavy vehicles, which corresponds to third place in registrations of vehicles over 3.5t (new and used) among leasing companies. Alior Leasing's share in this group is 12.5% with a growth rate of 21% y/y vs. -3% y/y for the leasing market (according to analysis based on SAMAR). Sale of leases and loans (PLN mn) +2% +6% 2 841 3 080 2023 2024 +8%
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12 Offer close to our customers ALIOR KIDS The Jakże Osobiste account with the Alior Kids app for children aged 7 to 12 is the first step towards the financial education of the youngest. The Alior Kids app facilitates the entrance to the world of finance in a safe and friendly way thanks to full control and management from the Alior Mobile app. Children's safety is a priority, which is why Alior Kids offers full control over the transaction limits that the parent sets in the Parent’s Panel. The default daily limit for ATM withdrawals, card transactions, transfers, and BLIK payments is PLN 50, and the maximum limit is PLN 250 for each option. The maximum amount that a child can use per month is PLN 1 000 (including card payments, transfers and BLIK payments). The parent decides on the available limits, adapting them to the needs and age of the child. After turning 13, the child automatically gains access to the Alior Mobile app, where they have even more options. Young users can have almost full access to funds on their account (with a limit of up to PLN 10000 per month), check their balance and transaction history, send domestic transfers, use various forms of payment – by card or BLIK, as well as receive notifications about transactions (PUSH). INTEGRATION WITH THE SHOPER PLATFORM Thanks to the new functionality, customers of the Shoper platform can use a new integration – the Alior Raty plugin. Thanks to it, online retailers using Shoper software can offer their customers the possibility of conveniently spreading the cost of purchases into installments directly from Alior Bank. The new functionality is available as an official plugin in the Shoper App Store.
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13 Credit risk
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179% 162% 188% 191% 177% 181% 187% 202% 135% 135% 140% 143% 141% 144% 145% 147% 100% 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 LCR NSFR 14 Stable and safe position of the Bank: capital and liquidity surplus well above regulatory minimums After the redemption of the series K, K1, and P2A subordinated bonds in 4Q 24, with a total nominal value of PLN mn 750, the Bank no longer has subordinated liabilities, therefore the TCR ratio equals the CET1 ratio. In 4Q 24 the Bank recognized half of the profit for the period 1-3Q 24 into own funds, which had a positive impact on the capital ratios Tier 1 and TCR ratios at the end of 2024 significantly exceed the regulatory minimums*, respectively: 976 bps. (PLN bn 5.0) and 776 bps. (PLN bn 4.0). Changes in the regulations on the calculation of capital adequacy ratios (the CRR3 reform) resulted in a reduction of the TCR ratio by approx. 120 bps since the beginning of 2025. The consolidated MREL TREA ratio of the Alior Bank Group at the end of December 2024 was 21.78% (391 bps above the requirement**). In 2025 the Bank is considering issuing bonds classified as MREL with a value of approx. PLN bn 1 (partially to renew maturing issues). Regulatory ratios of Alior Bank Group Liquidity ratios: LCR, NSFR * Current regulatory minimums (Tier 1 / TCR): minimum CRR (6% / 8%) + conservation buffer (2.5%) + anticyclical buffer (0.01%) ** Current MREL TREA ratio for Alior Bank Group set by BFG (consolidated, including combined buffer requirement) is: 17.87% 15,36% 15,11% 16,68% 17,83% 17,46% 17,53% 17,11% 14,26% 14,16% 15,86% 17,15% 16,97% 17,12% 16,78% 18,27% 16,76% 17,31% 18,45% 20,51% 20,23% 21,44% 21,08% 21,78% 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 TCR CET 1 / Tier 1 MREL TREA
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15 Alior Bank consistently improves the quality of its loan portfolio and reduces the cost of risk Alior Bank Group – cost of risk (CoR%) Alior Bank Group – NPL ratio The Bank successfully continues to transform its credit risk management strategy, which translates into significant resilience of the loan portfolio to the demanding macroeconomic environment. As a result, taking into account positive non-cyclical events, the cost of risk ratio (CoR%) for the whole of 2024 amounted to 0.62%. The non-cyclical events that took place in 2024 include a significant profit on the sale of the non-performing portfolio (NPL) and the positive effects of the completion of restructuring/debt collection activities for several significant customers from the business customer segment. The CoR% in 2024 without one-off events would be 0.8%. In addition, in 4Q 24 the Bank updated the estimation of parameters used to value the loan portfolio, resulting in one-off effects of a reversal of write-offs in the Retail Customer segment and additional write-offs in the Business Customer segment. Currently, we do not identify risks that could have a material negative impact on the level of CoR%. Assuming no significant macroeconomic changes in the coming years, we expect the Alior Bank Group's cost of risk at a level not exceeding 0.8%. The Bank continues to significantly reduce the share of the NPL portfolio, reaching a ratio of 6.81% at the end of 2024, despite the reclassification to the "default" category of a significant business client starting from 3Q 24 2,39% 2,80% 1,60% 1,51% 0,98% 0,62% 0 0 0 0 0 0 0 2019 2020 2021 2022 2023 2024 13,16% 14,48% 11,77% 9,80% 8,58% 6,81% 2019 2020 2021 2022 2023 2024
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16 Stable improvement in risk costs, with a visible effect of segmental model calibration in 4Q 24 Impaired loans – segments Impaired loans (PLN bn) NPL reserve coverage ratio* NPL provision coverage* – segments CoR% – segments** Cost of Risk – CoR%** *Managerial presentation **QTD presentation 4,38% 4,27% 3,46% 3,54% 2,91% 15,80% 13,66% 13,27% 13,65% 13,65% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Retail Segment Corporate Segment (excl. BSB / Repo) -0,14% 0,79% 0,29% 0,79% -0,60% 1,38% 0,50% 0,15% 1,12% 2,52% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Retail Segment Corporate Segment 0,47% 0,68% 0,23% 0,92% 0,60% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 5,30 4,82 4,32 4,45 4,27 8,58% 7,65% 6,78% 7,10% 6,81% 3 4 4 5 5 6 6 7 4,00% 5,00% 6,00% 7,00% 8,00% 9,00% 10,00% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Stage 3 NPL Ratio 54,0% 51,2% 51,1% 50,0% 50,4% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 59,9% 59,8% 58,8% 59,3% 59,3% 51,4% 46,7% 47,6% 45,9% 47,2% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Retail Segment Corporate Segment
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17 Financial results
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587 578 586 666 615 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 2 030 2 445 2023 2024 Dynamic growth of revenues (+8% y/y) and net profit (+20% y/y) in 2024 In 2024, revenues amounted to PLN bn 6.06 • net interest income of PLN bn 5.18 (+9% y/y) • net commission income PLN mn 867 (+1% y/y) In 4Q 24, revenues amounted to PLN bn 1.54 • net interest income of PLN bn 1.31 (+2% y/y) • net commission income of PLN mn 221 (-12% y/y) 18 Net profit (PLN mn) Total revenue (PLN mn) The Alior Bank Group's net profit in 2024 amounted to PLN bn 2.45 and increased by PLN mn 415 compared to the result in 2023. Alior Bank Group's net profit in 4Q 24 amounted to PLN mn 615 and increased by PLN mn 28 compared to the result in 4Q 23. 5 632 6 060 2023 2024 1 533 1 498 1 440 1 577 1 545 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 +428 (+8%) +12 (+1%) +28 (+5%)+415 (+20%)
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19 Income statement • In 4Q 24, net profit amounted to PLN mn 615, which allowed the company to achieve a return on equity (ROE) of 22.3%. • Net interest margin (NIM) in 4Q 24 was 6.00%. • Compared to 3Q 24, net interest income decreased in 4Q 24 by PLN mn 46, this was mainly due to the release of the PLN mn 24 provision due to "credit holidays" in 3Q 24 and PLN mn 21 lower q/q income from financial assets measured at fair value through other comprehensive income. • Transactions on derivatives reduced the Bank's net interest income in 4Q 24 by PLN mn 102, compared to 4Q 23, this cost amounted to PLN mn 133 and PLN mn 103 in 3Q 24 • In 4Q 24 the Bank recognized PLN mn 18 costs of legal risk of mortgage loans in foreign currencies. The additional provision is related to changes in model assumptions, in particular a slight change in the assumptions regarding the target level of disputes. PLN mn 4Q 23 4Q 24 % y/y y/y 2023 2024 % y/y y/y Total Income 1 532,6 1 544,9 1% 12,3 5 632,2 6 060,0 8% 427,8 Net interest income 1 289,2 1 312,0 2% 22,8 4 772,4 5 183,7 9% 411,3 Net fee and commission income 250,7 221,1 -12% -29,6 857,5 867,0 1% 9,5 Other income -7,3 11,9 -262% 19,2 2,3 9,3 303% 7,0 Total costs -752,2 -773,6 3% -21,4 -2 925,1 -2 862,2 -2% 63,0 General administrative expenses -561,6 -585,9 4% -24,3 -1 977,2 -2 117,6 7% -140,4 Impairment of non-financial assets -1,3 -0,3 -75% 1,0 -4,9 -1,7 -65% 3,2 Net expected credit losses -75,9 -99,0 30% -23,1 -625,3 -403,8 -35% 221,5 Cost of fx mortgage legal risk -45,8 -18,2 -60% 27,6 -54,0 -59,4 10% -5,4 Banking tax -67,6 -70,2 4% -2,5 -263,8 -279,7 6% -15,9 Gross profit 780,3 771,3 -1% -9,0 2 707,1 3 197,9 18% 490,8 Income tax -193,6 -156,2 -19% 37,4 -676,9 -752,9 11% -75,9 Net profit 586,7 615,1 5% 28,4 2 030,1 2 445,0 20% 414,9 Net interest margin (NIM) 6,22% 6,00% - -0,21 p.p. 5,89% 5,98% - +0,09 p.p. Cost of funding (CoF) 2,16% 1,82% - -0,35 p.p. 2,28% 1,93% - -0,35 p.p. Cost of risk (CoR) 0,47% 0,60% - +0,13 p.p. 0,98% 0,62% - -0,37 p.p. Cost / Income ratio (C/I) 36,6% 37,9% - +1,3 p.p. 35,1% 34,9% - -0,2 p.p. Loan / Deposit ratio (L/D) 81,1% 79,4% - -1,7 p.p. 81,1% 79,4% - -1,7 p.p. Return on equity (ROE) 26,1% 22,3% - -3,8 p.p. 26,3% 23,9% - -2,4 p.p. Total Capital Ratio (TCR) 17,83% 18,27% - +0,44 p.p. 17,83% 18,27% - +0,44 p.p.
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* Managerial presentation, QTD ** Interest income from loans, debt purchased, and leasing 5 749 5 582 1 647 1 651 -2 624 -2 050 -2 700,000 - 700,000 1 300,000 3 300,000 5 300,000 7 300,000 2023 2024 81,1% 81,5% 84,6% 82,3% 79,4% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 20 Due to the reduction of interest expenses, in 2024 Alior Bank increased its net interest income by 9% y/y Net interest income (PLN mn) 1 864 1 808 1 8571 745 +2% Interest margin and financing cost*Interest income and expenses (PLN mn) -3% Loan / Deposit Ratio 1 824 -3% -3% 7 2347 395 -22% 2,16% 2,15% 1,91% 1,88% 1,82% 6,22% 5,96% 5,82% 6,32% 6,00% 5,75% 5,28% 5,58% 5,40% 5,41% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 CoF NIM NIM - CoR 4 772 5 184 2023 2024 1 289 1 269 1 244 1 358 1 312 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1 448 1 382 1 328 1 433 1 385 -575 -554 -500 -499 -496 416 442 417 424 423 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Other Interest Income Interest Cost Loans Interest Income** -2% +9%
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19 62 352 311 66 73 251 240 87 79 169 175 -86 -72 2023 2024 21 In 2024 Alior Bank generated a stable level of net fee and commission income each quarter 251 216 217 Net Fees and Commissions Income (PLN mn)* 213 221 -2% y/y -29% y/y +41% y/y -20% y/y +3% y/y -7% y/y -25% y/y +4% 858 867 +1% • The decrease in net commission income on foreign exchange transactions in 4Q 24 by PLN mn 31 y/y is primarily due to the specifics of accounting for these types of transactions in 2023. In 4Q 23, the result on foreign exchange transactions was increased by an approx. PLN mn 22 "shift" from the trading result. From the end of 2023, the result on foreign exchange transactions is presented only in net commission income. In addition, in 2Q 24, there was a change in the model of cooperation with one of cashless payment operators, which transferred the recognition of part of the result on currency exchange transactions to the result on payment card service – the previous settlement rules resulted in an increase in the net commission income in 4Q 23 by PLN mn 14. • In 4Q 24, there was a change in the presentation of brokerage commissions. Since the annual report for 2024, brokerage commissions charged by subsidiaries are presented in net fee and commission income (previously they had been presented as other operating income). The impact of the change on net fee and commission income for 2023 amounted to PLN mn +20, in 4Q 23 it was PLN mn 10.2, PLN mn +4.7 in 1Q 24, PLN mn +5.4 in 2Q 24, and PLN mn +6.4 in 3Q 24. +4% y/y -12% y/y +236% y/y -16% y/y -10% y/y -4% y/y +11% y/y 17 5 16 16 25 -23 -20 -17 -18 -18 106 85 75 75 75 24 19 17 19 18 62 62 61 58 58 19 20 20 19 20 44 43 44 44 44 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Bank accounts, transfers, cash operations (net) Bancassurance (net) Leasing, loans and advances Brokerage commissions (net) Transaction margin on currency exchange transactions Other fee/provision cost and income (net) Payment and credit cards service (net) * Net fee and commission income in the period from 4Q 23 to 4Q 24, takes into account the presentation change in brokerage comm issions
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37,9% 34,4% 34,3% 31,1% 38,6% 36,6% 36,4% 35,7% 30,0% 37,9% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 C/I normalized*** C/I reported 312 312 316 283 327 185 129 137 125 177 65 64 61 64 8241 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Employee expenses General and administrative costs* Amortization and depreciation Costs of Bank Guarantee Fund 1 109 1 238 550 568 259 27059 41 2023 2024 22 The Bank maintains operational efficiency, supported by decreasing inflationary pressure on costs 514 586 Operating costs (PLN mn) * General management expenses include taxes and charges ** By quarter (QTD) *** Ratio calculated assuming linear distribution of the contribution to the BFG compulsory restructuring fund and lack of impact of PLN mn 86 on revenue in 2Q 24 due to „credit moratoria”, as well as the release of PLN mn 24 provisions for „credit moratoria” in 3Q 24 473 545562 +4% C/I ratio** - % y/y +26% y/y -5% y/y +5% y/y • In 4Q 24, operating expenses amounted to PLN mn 586 and increased by 4% compared to operating expenses in 4Q 23, which was mainly due to an increase in employee costs by PLN mn 16 y/y. The increase in employee costs was mainly caused by an increase in the average salary level. • The increase in employee costs in 4Q 24 by 16% (by PLN mn 44) q/q was mainly due to: the release in 3Q 24 of holiday provisions in the amount of approx. PLN mn 14, payment of a Christmas bonus, salary increases at the Bank and the related increase in the provision for annual bonuses. • General and administrative expenses* increased in 4Q 24 compared to 3Q 24 by PLN mn 51 (+41% q/q) mainly due to PLN mn 20 higher marketing costs, PLN mn 9 higher IT costs and PLN mn 7 higher costs of advisory services. • The increase in depreciation and amortization by PLN mn 18 q/q resulted from a one-off provision for project expenditures on intangible assets that were not settled in 2024. • In 2025, the Bank's operating costs should be more evenly distributed between quarters than in 2024. +7% 1 977 2 118 -31% y/y +5% y/y +3% y/y +12% y/y
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23 ▪ Safe and stable capital position ▪ Improvement in the loan portfolio quality ▪ High NIM ▪ Increasing number of customers with primary relationship ▪ High performance due to an increase in revenue and financing cost optimalization ▪ Consumer Finance market leader ▪ Growing share of housing loans in the portfolio ▪ Negligible share of CHF housing loans in the portfolio Why Alior Bank?
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24 Other issues
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25 Moderate recovery in 2024 in an environment of elevated interest rates Source: GUS, NBP, own analysis DAM Alior In 2024, the economic recovery was driven by consumption Restoration of savings and reduction of household debt The rebound in inflation was accompanied by interest rate stabilization • In 2024 the Polish economy entered a phase of moderate recovery after a weak 2023. GDP growth of 2.9% underscores the economic recovery, although it is still below potential. Nevertheless, the recovery is progressing and in 4Q 24 economic growth reached 3.2% y/y. • The economic situation was driven by consumer demand, both from the private and public sectors. Households benefited from historically strong real wage growth, close to 10%. • Investment demand was weak, which was significantly impacted by the cyclical pause in EU funds spending. Private sector activity was lower than in 2023. Investments in the economy have been significantly increased by military spending. • 2024 was a year of improvement in the financial balance of households. The strong growth in real wages only partially translated into an increase in consumption, and high interest rates encouraged the restoration of savings, which were clearly impacted by the inflation crisis. Households also improved their debt ratios. • Consumer inflation remained a risk factor, which, after partial marketization of energy prices, rose to around 5% y/y in the second half of 2024. In such conditions, the central bank decided to stabilize interest rates at an elevated level, which limited the potential for economic stimulation. 6,2 4,6 -2,0 6,9 5,3 0,1 2,9 -10,0 -5,0 0,0 5,0 10,0 2018 2019 2020 2021 2022 2023 2024 GDP growth (real, %, y/y) and its structure (pp), Poland konsumpcja GD spożycie publiczne inwestycje zapasy eksport netto PKB Average 2004-2024 Average 2004-2024 40% 50% 60% 70% 80% 90% 100% 110% 120% 2004 2006 2008 2010 2012 2014 2016 2018 2020 2022 2024 Financial assets of households, Poland Aktywa / PKB Aktywa netto / PKB 5,75 0 2 4 6 8 10 12 14 16 18 20 Dec-20 Jun-21 Dec-21 Jun-22 Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 CPI (%, y/y) and NBP base rate (%), Poland stopa NBP (%) Inflacja bazowa (%, r/r) Inflacja CPI (%, r/r) inventory household consumption public spending net export investments GDP Assets / GDP Net assets / GDP NBP rate (%) Core inflation (%, y/y) CPI (%, y/y)
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-2,0 -1,0 0,0 1,0 2,0 3,0 4,0 GDP growth in 2024 (%) Cyprus Croatia Spain Poland Denmark Lithuania Bulgaria Greece Slovakia Portugal Slovenia France Belgium Luxembourg Czechia Romania Holland Sweden Hungary Italy Ireland Germany Latvia Finland Estonia Austria There is a need and space for interest rate cuts in Europe Source: Bloomberg, own analysis DAM Alior The Polish economy stands out positively within the EU • In 2024, the EU stood out negatively compared to the world's largest economies. The US’s GDP growth last year was 2.8%, China's 5%, and the EU's only about 0.9%. • Of the largest EU countries, Germany stood out negatively in terms of GDP growth (-0.2%), and Spain (+3.2%) positively. • The German industrial sector is doing particularly poorly, under pressure from Chinese competition, the energy crisis and high interest rates, which strongly limit construction-related industries. • The Polish industrial sector, including the automotive industry, has a significant exposure to exports to Germany, and more broadly to the EU. Weak foreign demand was the main constraint on the Polish economy in 2024. • At the same time, consumer inflation in the Eurozone has clearly slowed down and is close to the ECB's target (2%), which allows for interest rate cuts. Similar trends are also observed in the case of EU economies outside the Eurozone, which should support a moderate economic improvement, and thus have a positive impact on Polish exports. The weakness of German industry had a negative impact on the Polish sector 26 -1,0 1,0 3,0 5,0 7,0 9,0 11,0 13,0 15,0 Dec-04 Dec-08 Dec-12 Dec-16 Dec-20 Dec-24 Interest rates Polska Węgry Czechy USA Strefa euro Central banks in Europe react to the economic downturn 60 70 80 90 100 110 120 2016 2017 2018 2019 2020 2021 2022 2023 2024 Manufacturing (2021=100, real, seas. adj.) Polska Niemcy UE Hungary CzechiaPoland EurozoneUSA Poland Germany EU
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-2,0 6,9 5,3 0,1 2,9 3,7 3,6 -6 -4 -2 0 2 4 6 8 10 12 14 2020 2021 2022 2023 2024 2025P 2026P GDP growth with main components, Poland Inwestycje (realnie, %, r/r) Konsumpcja prywatna (realnie, %, r/r) PKB (realnie, %, r/r) 27 Recovery expected in 2025 27 Source: GUS, NBP, own analysis DAM Alior Acceleration of investments will support the economic situation Rates cautiously lower due to stabilization inflation • Poland's economic recovery in 2025 will accelerate and be closer to completion. We expect GDP growth of 3.7%. • Consumer demand (+3.6%) will be accompanied by investment momentum (+6.7%), supported by EU funds spending. The situation in foreign demand should also improve. • The labor market will remain 'tight'. On the one hand, entrepreneurs are more cautious about hiring due to high wage cost pressure, and on the other hand, demographic issues erode the labor supply. The unemployment rate will remain at low levels (around 5%). • Nominal wage growth will slow down to single-digit levels (+7.7%). Real wage growth, after an unusually strong 2024, will normalize. • In the second half of the year, inflation is likely to approach (more permanently) the upper limit of the NBP inflation target (2.5% +/- 1 p.p.). Thus, there will be room for cautious interest rate cuts. We expect -75 bps in 2025 and an acceleration of the easing cycle in 2026. • The less burdened by debt private sector, in an environment of economic recovery and with large investments driven by the state, should more boldly reach for a loan. In the longer term, the recovery should be supported by rate cuts. We expect a CAGR of 2025-26 mortgage loans (PLN) of 7.1%, consumer loans of 7.6%, and corporate loans of 8.7%. Moderate improvement in the demand for loans 4,5 3,20,10 1,75 6,75 5,75 5,75 5,00 3,50 0 2 4 6 8 10 12 14 16 2020 2021 2022 2023 2024 2025P 2026P CPI and interest rates, Poland Inflacja CPI - średnio (%, r/r) Stopa bazowa NBP - koniec okresu (%) -4% -2% 0% 2% 4% 6% 8% 10% 12% 14% 2020 2021 2022 2023 2024P 2025P 2026P Loan and deposit growth (balance, end of period), Poland Kredyty ogółem Depozyty ogółem Investments (real, %, y/y) Private consumption (real, %, y/y) GDP (real, %, y/y) CPI – average (%, y/y) NBP base rate – EoP (%) Total loans Total deposits
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28 Alior Bank’s Christmas Help For years, Alior Bank has been organizing the "Give a Gift" campaign, in which employees fill the role of Santa Claus, making the dreams of children and seniors from all over Poland come true. Last year, help was provided to over 220 people, including the kids from the "Promyk" Home for Children and Youth and people affected by the flood in Bystrzyca Kłodzka. Give a Gift Bringing joy to children through the Dr Clown foundation Alior Bank organized a holiday charity event, combining International Volunteer Day with Saint Nick’s Day. The employees participated in decoration making workshops, prepared Christmas cards for seniors and organized charity fairs, collecting PLN 14000 for the beneficiaries of „Szlachetna Paczka” and the „Senior w Koronie” Foundation. Alior’s Saint Nick’s Day Alior Bank once again supported the Christmas campaign for children in need, such as, after an accident or during sudden hospitalization or a stressful ambulance journey. Over 150 employees of the bank and their relatives created plushies from materials left over from the production of mismatched socks. Volunteers of the Dr Clown Foundation donated monkeys to young patients.
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29 External stakeholders appreciate Alior Bank Alior Bank's iLAB has been awarded the title of World's Best Financial Innovation Labs 2024, which confirms its position among the most innovative financial institutions in the world. The Bank received the Friendly Workplace award from the editors of Marka Pracodawcy | Employer Branding, awarded to employers with a novel approach to HR and employee development. Creating a work environment conducive to development, openness, satisfaction and integration of the team was distinguished. In Deloitte's Digital Banking Maturity ranking, Alior Bank was recognized for the fastest growth in digital maturity in Poland. Alior Bank was ranked fourth in the first- ever ranking of Banks for affluent clients and fifth place in the Company-Friendly Bank ranking by Forbes. The bank's services and approach to meeting the needs of both individual and business customers were appreciated. Alior has been recognized in the Institution of the Year 2024 ranking. The Bank took fourth place in the category "Best quality of service in remote channels" and third place in the category "Best quality of service in branches". In addition, six branches were honored with a distinction.
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30 Alior Bank’s investment services * Non-dedicated funds – funds addressed to a wider group of investors Alior Bank’s Brokerage House Alior TFI In 2024, the Brokerage House's net commission income was 11% higher than a year earlier and reached nearly PLN mn 73. Record results were recorded, among others, in the sale of investment funds and the number of new IKE/IKZE accounts. ▪ The number of brokerage accounts amounted to 93.7 k (+3.5% y/y) ▪ The number of IKE/IKZE accounts increased to 10.4 k (+36.8% y/y) ▪ The number of Alior Trader accounts exceeded 8.2 k (+4.7% y/y) ▪ Assets in Individual Advisory PLN bn 1.9 (+27% y/y) ▪ Sales of Investment Funds YTD (gross) PLN bn 3.0 (+97% y/y) ▪ Sales of Structured Products YTD (gross) PLN mn 611 (-39% y/y) Basic operating information: Brokerage House Fees and Commissions revenues (PLN mn) +11% -25% 65,6 72,8 2023 2024 23,6 18,5 17,4 19,2 17,7 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 195 214 228 243 253 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Assets under management in Alior TFI open funds (PLN bn) Assets under management in non-dedicated funds* in Poland (PLN bn) 4Q 24 was Alior TFI's fourth consecutive record quarter in terms of gross fund sales. At the end of December 2024, TFI had assets of PLN bn 3.22. In 4Q 24, net inflows to funds amounted to PLN mn 350. The largest inflows were recorded in funds with a relatively low risk profile: Konserwatywny Obligacji Uniwersalnych and Ostrożny Obligacji Uniwersalnych. +100% y/y +30% y/y Over the last 12 months, the growth rate of Alior TFI's AuM level has been more than three times higher than the growth of the market. In 4Q 24, Alior TFI's assets grew by 14%, while the market grew by 4% during this time, and the short-term debt fund market, which is more similar in terms of asset profile, grew by 8%. 1,61 1,97 2,34 2,83 3,22 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24
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21 166 20 545 18 552 20 539 4Q 23 4Q 24 Consumer loans Loans for real estate 39 718 40 591 41 084 25 342 25 665 24 848 4Q 23 3Q 24 4Q 24 Retail Segment Corporate Segment Gross structure of the loan portfolio *Managerial presentation Business Customer Segment* (PLN mn) 24 848 Retail Customer Segment (PLN mn) 25 66539 718 41 084 Loan portfolio in total (PLN mn) +1% -0,5% 65 060 66 257 65 932 Loan portfolio structure in total 25 342 31 +3% -3% -5% 61% 62% 60% 61% 62% 39% 38% 40% 39% 38% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Retail Segment Corporate Segment 903 1 670 554 5 237 4 954 4 743 2 563 2 526 2 455 2 756 2 656 2 788 7 689 7 425 7 730 6 194 6 435 6 577 4Q 23 3Q 24 4Q 24 Reverse Repo/BSB Micro Small Medium Large Alior Leasing
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14 223 13 463 15 016 7 901 8 268 7 390 277 333 358 4Q 23 3Q 24 4Q 24 Current deposits Term deposits Other liabilities 36 285 38 438 38 777 14 129 13 817 15 101 263 280 295 4Q 23 3Q 24 4Q 24 Current deposits Term deposits Other liabilities 36 285 38 438 38 777 14 223 13 463 15 016 14 129 13 817 15 101 7 901 8 268 7 390 540 613 653 4Q 23 3Q 24 4Q 24 Current deposits (Retail) Current deposits (Corpo) Term deposits (Retail) Term deposits (Corpo) Other 32 The bank manages the deposit portfolio in order to optimize the cost of financing (data in PLN mn)* Structure of net liabilities to Customers 73 078 76 937 Structure of main liabilities 74 599 Net liabilities structure - Retail Segment Net liabilities structure - Business Segment 50 677 52 535 54 172 22 402 22 064 22 765 Structure of main liabilities - Retail Segment Structure of main liabilities - Business Segment +5% +3% +7% +3% +2% +3% * Starting from the 2024 report, amounts due to customers are presented excluding Bank Securities („Bankowy Papier Wartościowy”) and liabilities from debt securities issues. Historical data has been adjusted accordingly. 69% 68% 69% 70% 70% 30% 32% 30% 30% 29% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Current deposits Term deposits 72% 72% 72% 73% 72% 28% 28% 27% 26% 28% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Current deposits Term deposits 63% 58% 63% 61% 66% 35% 41% 36% 37% 32% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Current deposits Term deposits
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33,9 36,4 35,2 38,0 39,8 22,3 21,8 22,4 23,0 22,9 2020 2021 2022 2023 2024 Retail segment Corporate Loans 33 Asset structure of Alior Bank Group (PLN bn) Receivables from Customers (net) +3% +12% 56,2 58,2 57,6 61,0 62,7 +5% y/y 0% y/y Alior Bank Group assets 56,2 58,2 57,6 61,0 62,7 15,7 16,1 17,0 18,8 23,66,7 8,7 8,3 10,3 7,0 2020 2021 2022 2023 2024 Loans and advances to customers Financial assets Other +3% y/y +25% y/y 93,390,1 82,983,0 78,6 +4% +19% -33% y/y
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37,2 42,6 35,1 36,3 38,8 16,4 17,3 13,9 14,2 15,0 7,2 5,7 15,0 14,1 15,14,3 5,4 5,5 7,9 7,40,6 0,5 0,5 0,5 0,7 2020 2021 2022 2023 2024 Current deposits (Retail) Current deposits (Corpo) Term deposits (Retail) Term deposits (Corpo) Other Liability structure of Alior Bank Group (PLN bn) 78,6 71,5 70,0 73,1 76,9 -6% y/y +7% y/y +6% y/y +7% y/y +5% +17% +21% y/y Liabilities to Customers*Alior Bank Group liabilities 6,6 5,9 6,2 9,2 11,2 65,8 71,5 70,0 73,1 76,9 6,3 5,6 6,7 7,8 5,2 2020 2021 2022 2023 2024 Equity Amounts due to customers Other 93,390,1 82,983,078,6 +4% +19% -34% y/y +21% y/y +5% y/y * Starting from the 2024 report, amounts due to customers are presented excluding Bank Securities („Bankowy Papier Wartościowy”) and liabilities from debt securities issues. Historical data has been adjusted accordingly.
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35 Consolidated statement of the financial standing of the Alior Bank Group (PLN mn) 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 % q/q q/q % y/y y/y Total assets 90 134,1 91 379,5 90 146,8 91 183,3 93 293,5 2% 2 110,1 4% 3 159,4 Cash and cash equivalents 2 539,3 2 180,2 2 077,9 3 265,3 2 123,4 -35% -1 142,0 -16% -415,9 Amounts due from banks 4 615,4 1 516,4 1 855,0 795,6 1 821,6 129% 1 025,9 -61% -2 793,8 Investment financial assets 18 820,4 22 100,8 19 186,6 21 357,4 23 602,9 11% 2 245,5 25% 4 782,5 Derivative hedging instruments 336,1 268,8 212,5 317,7 274,7 -14% -43,0 -18% -61,4 Loans and advances to customers 60 965,1 62 625,8 64 180,6 62 945,8 62 736,0 0% -209,9 3% 1 770,9 Assets pledged as collateral 46,9 16,4 77,0 18,3 18,0 -2% -0,3 -62% -28,9 Property, plant and equipment 743,5 743,3 739,6 721,2 697,8 -3% -23,5 -6% -45,7 Intangible assets 412,1 419,5 427,8 439,0 471,9 7% 32,9 15% 59,8 Income tax asset 984,0 928,2 901,3 793,2 823,2 4% 30,0 -16% -160,8 Other assets 671,4 580,1 488,5 529,7 724,1 37% 194,4 8% 52,8 Total liabilities and equity 80 884,5 81 561,5 80 283,1 80 413,6 82 086,8 2% 1 673,1 1% 1 202,2 Amounts due to banks 288,3 269,0 339,4 247,8 160,1 -35% -87,7 -44% -128,2 Amounts due to customers 73 078,1 76 834,3 75 831,7 76 447,0 76 936,6 1% 489,6 5% 3 858,5 Financial liabilities 276,5 266,3 184,6 157,8 196,5 25% 38,7 -29% -80,0 Derivative hedging instruments 682,6 660,8 566,1 469,7 450,4 -4% -19,3 -34% -232,2 Fair value changes of the hedged items in portfolio hedge -0,2 -0,6 -1,1 25,3 -53,0 -310% -78,3 - -52,8 Provisions 310,0 294,4 334,3 291,4 321,8 10% 30,4 4% 11,8 Other liabilities 2 653,9 2 386,1 2 089,5 1 770,9 1 708,4 -4% -62,4 -36% -945,5 Income tax liabilities 326,2 75,6 171,9 227,4 279,0 23% 51,5 -14% -47,3 Liabilities from the issuance of debt securities 2 109,2 2 087,0 - - -1% -22,2 Subordinated loans 1 160,0 775,6 766,6 776,4 0,0 -100% -776,4 -100% -1 160,0 Equity 9 249,6 9 818,0 9 863,7 10 769,7 11 206,7 4% 437,0 21% 1 957,1 Share capital 1 305,5 1 305,5 1 305,5 1 305,5 1 305,5 0% 0,0 0% 0,0 Supplementary capital 6 027,6 6 027,6 7 438,1 7 438,1 7 438,1 0% 0,0 23% 1 410,6 Revaluation reserve -291,4 -298,9 -259,0 -19,0 -197,2 936% -178,1 -32% 94,3 Other reserves 161,8 161,8 161,8 161,8 161,8 0% 0,0 0% 0,0 Foreign currency translation differences 2,3 0,0 0,0 0,2 0,3 61% 0,1 -89% -2,0 Accumulated losses 13,8 2 043,9 53,3 53,3 53,2 0% -0,1 286% 39,4 Profit for the period 2030,1 578,1 1164,0 1829,9 2 445,0 34% 615,1 20% 414,9 Total liabilities and equity 90 134,1 91 379,5 90 146,8 91 183,3 93 293,5 2% 2 110,1 4% 3 159,4
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1 220 1 741 893 1 568 1 328 1 277 909 760 1 872 1 409 1 113 1 366 1 673 1 637 1 011 1 118 603 691 562 628 754 1 137 1 194 1 516 1 197 1 424 886 1 525 773 762 1 186 1 314 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Non-renewable Renewable 746 901 944 883 670 658 439 379 388 598 988 2 066 1 640 681 605 743 1 432 1 694 1 610 1 345 1 202 1 412 1 302 1 325 1 602 1 693 1 489 1 379 1 571 1 679 1 632 2 007 984 911 971 1 522 914 988 1 173 1 181 727 1 171 1 422 1 910 1 346 1 181 1 138 1 704 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Mortgage Loan Cash Loan Consumer Finance Loan36 New sale of loans (PLN mn) Sales in the Business Customer Segment* *New sales limit (new sales + increases) for Customers in the Micro- / Small- / Medium- / Large-Sized categories Sales in the Retail Customer Segment 2 717 1 823 3 162 -16% 2 432 +11% 3 505 1 455 3 525 2 196 3 750 2 082 2 786 2 414 3 059 2 103 +14% y/y -18% y/y 2 914 -11% y/y +46% y/y -64% y/y 2 276 2 885 3 069 -17% +32% 2 833 3 462 1 999 3 899 2 446 5 355 2 891 4 557 2 399 3 542 3 375 2 197 4 455 2 432
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341 341 335 336 331 189 187 186 185 185 4Q 23 1Q 24 2Q 24 3Q 24 4Q24 Branches* Agencies 4 362 4 411 4 392 4 330 4 357 244 245 246 248 249 4Q 23 1Q 24 2Q 24 3Q 24 4Q24 Corporate Segment Client Retail Segment Client 6 644 6 681 6 659 6 627 6 609 67 66 58 53 519 524 530 514 497 IV kw.23 I kw.24 II kw.24 III kw.24 IV kw.24 Alior Bank Alior Bank Romania Subsidiaries 37 Additional information -123 -2% 7 1947 229 7 271 7 247 516530 528 5217 106 -14 -3% Employment (FTEs) Alior Bank’s branches -88 -1% -5 -1% Number of customers (k) -1 0% +27 +1% 4 578 4 6054 606 4 656 4 639 0% y/y 1% y/y -1% y/y -4% y/y -3% y/y -2% y/y 521 * Alior Bank's branches include: traditional branches, Private Banking branches, Corporate Banking Centers and Microenterprise Centers.
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Alior Bank S.A. - quotations, shareholding structure, ratings Alior Bank’s shares are part of the following stock indices: Alior Bank share price: PLN 85.98 (data as of December 30, 2024) Capitalization: PLN bn 11.2 Value of shares in free float: PLN bn 5.5 P/BV**: 1.0x P/E***: 4.6x ISIN code: PLALIOR00045 GPW: ALR Bloomberg: ALR PW Reuters: ALRR.WA Rating S&P: long-term: BB+ short-term: B outlook: positive Rating Fitch: long-term: BB+ short-term: B outlook: stable Rating Sustainalytics: ESG Risk Rating: 24.4 Medium Risk Shareholding structure* Alior Bank’s share price compared to WSE indices (comparable data for 12 months) • WIG • WIG-BANKI • WIG20 • WIG20TR • WIG.MS-FIN • WIG-Poland • WIG-ESG • CEEplus • WIG140 • WIGFIN * Based on public announcements and the annual structure of OFE [Open Pension Fund] and DFE [Voluntary Pension Fund] assets as on December 31, 2024 ** Equity of Alior Bank Group on December 31, 2024 *** Reported net profit of Alior Bank Group for 2024 38 • MSCI Poland Global Standard +12,6% y/y +11,6% y/y +1,4% y/y -6,4% y/y 60 70 80 90 100 110 Dec-23 Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 PZU Group 31,9% Nationale-Nederlanden OFE 9,8% PKO BP Bankowy OFE 3,3% Generali OFE 4,9% Vienna OFE 2,7% Uniqa OFE 1,9% Allianz OFE 8,8% Pocztylion-Arka OFE 0,6% Other shareholders 36,0% OFE 32,0%
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39 Contact Alior Bank S.A. Investor Relations and Subsidiaries Supervision Department ul. Łopuszańska 38D 02-232 Warsaw Poland More information Address details Contact data Investor Relations and Subsidiaries Supervison Department e-mail: ir@alior.pl Internet Next events: • Results for 1Q 25 – April 25, 2025 • Results for 1H 25 – August 6, 2025 • Results for 3Q 25 – October 28, 2025 Youtube channel Website Facebook fanpage X profile LinkedIn profile
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40 Disclaimer This data has been prepared by Alior Bank S.A. (“Bank”, “Company”) solely for the purpose of the Presentation. Any and all data that may constitute a projection for the Company’s future economic and financial results, contained in this presentation, has been prepared based on the Report of the Bank’s Capital Group for 2024. The Bank shall bear no liability for the use of the information presented. The distribution of this document in certain countries may be restricted by law. This document must not be used for, in connection with nor must it constitute an offer to sell or acquire any securities or other financial instruments of the Bank in any jurisdiction in which such an offer would be unlawful. Each and every person in possession of this document must inform each other and observe the above restrictions. Any failure to comply with these restrictions may constitute a violation of the law. The information contained in this presentation should be treated neither as open nor hidden statements nor as statements provided by the Bank or persons acting on behalf thereof. Moreover, neither the Bank nor persons acting on behalf thereof shall bear any liability for any damages that may arise as a result of negligence or for other reasons in connection with the use of this Presentation or any information contained therein, or for damages that may arise otherwise in connection with the information contained in this Presentation.