Press release
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Alior Bank SA Łopuszańska 38D 02-232 Warsaw District Court for the m.st of Warsaw in Warsaw, XIV Commercial Division, KRS: 0000305178, REGON: 141387142, NIP: 1070010731, share capital: PLN 1,305,539,910 (paid in full) www.aliorbank.pl Adoption of Alior Bank S.A. Group’s Strategy for 2025-2027 Company: Alior Bank S.A. Current Report No.: 15/2025 Date: March 24, 2025 Legal basis: Article 17(1) of MAR – inside information Content of the report: The Management Board of Alior Bank S.A. ("Alior Bank", "Bank") hereby informs that on March 24, 2025, the Management Board of the Bank adopted, and the Supervisory Board of the Bank approved, Alior Bank Group’s Strategy for the years 2025 – 2027 "Alior Bank. Or nothing" ("Strategy"). Alior Bank's strategic objectives: - Leveraging the growth competency and leadership position in Consumer Finance to increase the scale of relationship banking; - Growth of the base of active retail and business customers; - Revenue growth despite an expected decline in interest rates; - Maintaining the C/I ratio despite cost inflation and reinstatement of BFG contributions; - NPL ratio of <4.9% allowing for safe business growth; - Leveraging the PZU Group's potential to strengthen relations with customers; - Delivering stable financial results and dividends to shareholders. The directions of strategic activities are reflected in 3 pillars: I. Scaling Up: 1. A formula for growth in a new edition – entry into new sectors with an installment offer and strengthening our position in e -commerce, a competitive offer for basic products, refreshing the brand. 2. A new, intuitive mobile app that is the center of customer relations. 3. A new paradigm of digital banking for businesses – modern digital banking built into the customer's systems. II. High Resilience: 1. A modern CRM that enables us to take advantage of our position in installment products to build long-term relationships with customers.
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Alior Bank SA Łopuszańska 38D 02-232 Warsaw District Court for the m.st of Warsaw in Warsaw, XIV Commercial Division, KRS: 0000305178, REGON: 141387142, NIP: 1070010731, share capital: PLN 1,305,539,910 (paid in full) www.aliorbank.pl 2. An attractive offer of leading solutions for Micro and SMEs – CRM tools for the Business Customer segment and the development of a specialized offer (ESG-linked loans, leasing, factoring). 3. Development of cooperation with PZU, e.g., a stand-alone insurance offer. III. Operational Excellence: 1. Rebuilding the operating model to support business goals. 2. The best place to work through engaging the team in Agile transformation, growth, and sustainability. 3. Modern solutions and simple processes with a high level of stability, automation , and (cyber)security. 4. Automation of risk processes and optimization of liquidity and capital policy. 5. ESG: new initiatives to strengthen Alior Bank's positive impact on the environment. Alior Bank's main objectives at the end of 2027: ▪ revenue – approx. PLN 7 billion ▪ net profit – approx. PLN 2.6 billion ▪ ROE – above 18% ▪ C/I – approx. 35% ▪ dividend (% of net profit) – over 50% ▪ NPL level (non-performing loans) – below 4.9% ▪ No. 1 – maintaining the leading position on the installment loans market ▪ increase in revenues in the Retail Customer segment – by over 14% ▪ increase in revenues in the Business Customer segment – by over 21% ▪ maintaining the employee engagement index of >60% Detailed assumptions and objectives of the Strategy are included in the presentation attached to this current report. At the same time, the Bank informs that the objectives and assumptions of the Strategy do not constitute a forecast or estimate of results (including financial results) and refer only to the intended directions of the Bank's operations in 2025 -2027, which are based on the current knowledge and forecasts of the Bank's
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Alior Bank SA Łopuszańska 38D 02-232 Warsaw District Court for the m.st of Warsaw in Warsaw, XIV Commercial Division, KRS: 0000305178, REGON: 141387142, NIP: 1070010731, share capital: PLN 1,305,539,910 (paid in full) www.aliorbank.pl Management Board and are burdened with a number of known and unknown risks, uncertainties, and factors that may affect the actual results, the level of the Bank's operations or achievements. The Bank will not publish updates, modifications or revisions of information, data or statements contained in this report or the attached presentation and will not publish information on any change in the Bank's Strategy or intentions or on the occurrence of facts or events that affect the Strategy or the Bank's intentions, unless such a reporting obligation results from applicable law.