Slides
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ALIOR BANK SA | OCTOBER 29, 2025 PRESENTATION OF RESULTS FOR 3Q 2025
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1 2 3 4 5 Operating activities Credit risk Financial results Other issues Tytuł piątego działu AGENDA
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1 OPERATING ACTIVITIES
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ANOTHER SUCCESSFUL QUARTER FOR ALIOR BANK The number of customers with a main relationship was 1.68 mln (98k more than at the end of 3Q 24) The number of mobile app users was 1.59 mn (15% more than at the end of 3Q 24) Very strong and safe capital position Tier 1 and TCR at 17.65% High surplus over regulatory minimums: • for Tier 1 it’s 8.15 pp. (PLN bn 4.9) • for TCR it’s 6.15 pp. (PLN bn 3.7) Low cost of risk Cost of risk in 3Q 25 amounted to PLN mn 124 and the CoR ratio was 0.72% (-0,2 pp. y/y) NPL was at 6.29% - a decrease of 0.81 pp. in the last 12 months Increase in sales of mortgage loans In 3Q 25, sales of real estate loans to retail customers amounted to over PLN bn 1.3 and increased by 111% y/y At the end of 3Q 25, the portfolio of real estate loans reached PLN bn 22.3, and their share in the Bank's portfolio reached 32.2% (gross) In 1-3Q 25 revenues amounted to PLN bn 4.52 • net interest income amounted to PLN bn 3.87 (0% y/y) • net commission income amounted to PLN 666 (+3% y/y) In 3Q 25 revenues amounted to PLN bn 1.53 • net interest income amounted to PLN bn 1.3 (-5% y/y) • net commission income amounted to PLN mn 234 (+10% y/y) Alior Bank Group's net profit in 3Q 25 amounted to PLN mn 563 In 3Q 25 ROE was 18.9% MREL bond issue The Bank successfully issued Series S Senior Preferred (4NC3) bonds valued at PLN mn 450 with interest of WIBOR6M +1.5%. Growth of the deposit portfolio At the end of 3Q 25, the liabilities to customers were PLN bn 80.6, an increase of 8% y/y
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59,8 63,2 3Q 24 3Q 25 74,6 80,6 3Q 24 3Q 25 91,2 97,7 3Q 24 3Q 25 Deposits* (PLN bn) Gross Performing Loans** (PLN bn)Assets (PLN bn) +7% +8% +6% * Liabilities to customers for 3Q 24 were adjusted for the value of Bank Securities and the value of liabilities due to the issue of debt securities (totaling PLN bn 1.8) ** Volume of gross loans classified to stages 1 and 2, without Repo/BuySellBack transactions (PLN bn 1.7 in 3Q 24 and PLN bn 1.6 in 3Q 25) ALIOR BANK ON A PATH OF DYNAMIC GROWTH ROE 3Q 25 18.9% -6.8 pp. y/y C/I 3Q 25 36.9% +6.9 pp. y/y NPL 3Q 25 6.29% -0.81 pp. y/y NIM 3Q 25 5.61% -0.71 pp. y/y TCR 3Q 25 17.65% +0.54 pp. y/y COR 3Q 25 0.72% -0.20 pp. y/y C/I 1-3Q 25 38.3% +4.3 pp. y/y NIM 1-3Q 25 5.74% -0.34 pp. y/y ROE 1-3Q 25 19.2% -5.2 pp. y/y COR 1-3Q 25 0.55% -0.07 pp. y/y 3Q 24 3Q 25 3Q 24 3Q 253Q 24 3Q 25
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Gross loans to retail customers (PLN bn)Balance of assets of retail customers (PLN bn) RETAIL CUSTOMERSWE MAINTAIN HIGH SALES OF MORTGAGES Sale of non-mortgage loans to retail customers (PLN bn) Sale of mortgage loans to retail customers (PLN bn) +12% 38,4 38,8 41,4 41,2 41,7 13,8 15,1 15,3 15,1 15,40,7 0,6 0,4 0,3 0,44,9 5,4 5,9 6,3 7,46,3 6,0 6,9 7,0 7,064,1 65,8 69,9 69,9 71,8 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 20,3 20,5 20,7 20,7 20,8 20,3 20,5 20,9 21,6 22,3 40,6 41,1 41,6 42,3 43,1 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Consumer loans Real estate loans +6% 0,6 0,7 1,0 1,3 1,3 0,6 0,7 1,0 1,3 1,3 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 X2.1+21% 1,6 2,0 2,2 2,1 2,0 1,1 1,7 1,3 1,3 1,3 2,8 3,7 3,5 3,4 3,3 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Cash loans Consumer finance Current accounts Term deposits Bank Securities issues and others Investment funds Financial instruments in brokerage accounts
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35,3% 37,5% 38,1% 40,0% 40,7% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 42,7% 43,6% 45,0% 45,5% 47,3% 35, 0% 37, 0% 39, 0% 41, 0% 43, 0% 45, 0% 47, 0% 49, 0% 51, 0% 53, 0% 55, 0% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 RETAIL CUSTOMERS Users of Alior Bank mobile app (mn) +15% / +205 k Number of relationship customers (mn) +6% / +98 k Share of mobile app users among relationship and installment customers (%) +4.6 pp. % of e2E sales initiated in the mobile channel (%) +5.4 pp. WE INVEST IN CUSTOMER RELATIONS 1,58 1,60 1,62 1,64 1,68 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 1,38 1,43 1,49 1,52 1,59 1 1 1 1 1 2 2 2 2 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25
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RETAIL CUSTOMERSQUALITY, NEW FUNCTIONS AND TECHNOLOGIES DRIVE GROWTH OF THE MOBILE APP AND RELATIONSHIP BANKING High availability and customer ratings New useful functions Modern technologies and key projects for the app -64% reduction in offline time (y/y) recurring BLIK payments chat with consultant referral program BLIK installment repayment 70% NPS 3Q 25 4.6 4.7 Agility Digital processes UI/UX CRM 4Q 25 4Q 25 4Q 25 2Q 26 The entire bank and only bank
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2,8 2,8 2,7 2,6 2,7 III kw.24 IV kw. 24 I kw. 25 II kw. 25 III kw.25 Gross loan volume of Business Customers (PLN bn) non-performing portfolio 1,9 2,4 2,2 2,8 2,5 III kw.24 IV kw.24 I kw.25 II kw.25 III kw.25 34% Total credit limit granted (PLN bn) BUSINESS CUSTOMER * subsegments Micro/Small/Medium/Large IMPROVEMENT IN THE STRUCTURE OF THE LOAN PORTFOLIO IN THE BUSINESS CUSTOMER SEGMENT* Over the last four quarters, the Bank maintained a stable level of the loan portfolio in the business customer segment The gross loan portfolio in the SME segment was PLN bn 5.6 at the end of 3Q 25, an increase of 8% y/y Loan sales in the third quarter were PLN bn 2.5 (+34% y/y) 17,4 17,5 17,5 17,4 17,4 III kw.24 IV kw. 24 I kw. 25 II kw. 25 III kw.25 Gross loan volume of Business Customers (PLN bn) 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 -3%0%
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22,1 22,8 21,4 23,0 23,2 III kw.24 IV kw.24 I kw.25 II kw.25 III kw.25 109,2 109,2 110,5 110,1 110,1 III kw.24 IV kw. 24 I kw. 25 II kw.25 III kw. 25 +1% Active debit cards (k) 69% 72% 73% 67% 71% III kw.24 IV kw.24 I kw.25 II kw. 25 III kw. 25 +2 pp. % share of online account sales in the Micro segment Deposit volume of Business Customers (PLN bn) +5% BUSINESS CUSTOMERAN INCREASE IN DEPOSIT VOLUMES An increase in the deposit volume (+5% y/y) We maintain a high number of customers with an active debit card We maintain a high share of online account sales in the Micro segment(+2 pp. y/y) 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25
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ALIOR LEASING’S PORTFOLIO REACHED ALMOST PLN BN 7.0, AN INCREASE OF 8% Y/Y * based on CEPIK data 6 435 6 577 6 624 6 785 6 963 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Lease and loans portfolio (PLN mn) +3% +8% Sale of leases and loans (PLN mn) 704 840 739 819 852 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 +4% +21% • Alior Leasing’s sales in 3Q 25 amounted to PLN mn 852 and were 21% higher than in the previous year • The share of individual asset classes remains stable. In 3Q 25, 46% of sales were vehicles up to 3.5 tons, 34% vehicles over 3.5 tons, and 20% were machinery and equipment • In 3Q 25, Alior Leasing maintains the 3rd position on the market in the number of registrations over 3.5 tons, and the 4th position on the market of used cars up to 3.5 tons*
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WE CONSISTENTLY IMPLEMENT OUR MARKETING STRATEGY new look of cards ▪ first change since 2008 ▪ the image is consistent with the new visual identification of the brand 1 first campaign promoting Alior Business Alior Bank – the main partner of Inside Seaside 2025 2 3 ▪ On October 20, 2025, a multi-channel marketing campaign has been launched to promote iKonto Biznes and the new Alior Business electronic banking ▪ we communicate the possibility of managing finances using electronic banking for companies - Alior Business, combined with a financial and accounting application ▪ Alior Bank has joined the group of main partners of the 3rd edition of the Inside Seaside festival, which will take place on November 8–9, 2025, at the AMBEREXPO in Gdańsk ▪ The bank has also become the title sponsor of one of the stages of the event – Alior Bank UPstage – presenting the newest sounds in alternative music.
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„TRY AT LEAST ONCE” – COOPERATION WITH PRO8L3M MUSIC BAND AND ANITA LIPNICKA Alior Bank has completed one of the most original projects in its history, combining the world of music with a modern approach to finance. Together with the band PRO8L3M and Anita Lipnicka, we created a reinterpretation of the song „Pocałuj Noc – Nie bój się bać” (Kiss the Night – Do Not Be Afraid to Be Afraid), which became the backbone of the campaign promoting Alior Konto. The project included a wide range of ATL, BTL, and digital activities, cooperation with influencers and the introduction of a limited- edition payment card ALIOR BANK x PRO8L3M.
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2 CREDIT RISK
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STABLE AND SAFE POSITION OF THE BANK: CAPITAL AND LIQUIDITY SURPLUS WELL ABOVE REGULATORY MINIMUMS Tier 1 and TCR ratios at the end of September 2025 significantly exceed the regulatory minimums*, by respectively 815 bps, (PLN bn 4.9) and 615 bps (PLN bn 3.7). Inclusion of part of the profit for 1H 25 increased the Tier 1 / TCR ratio by approx. 94 bps. The consolidated MREL TREA ratio of Alior Bank Group at the end of September 2025 was 20.75% (189 bps above the requirement**). At the beginning of 4Q 25 the Bank issued Series S Senior Preferred (4NC3) bonds with a value of PLN mn 450 and interest of WIBOR6M +1.5%, which will increase the MREL TREA ratio by approx. 76 bps. Regulatory ratios of Alior Bank Group Liquidity ratios: LCR, NSFR * Current regulatory minimum (Tier 1 / TCR): CRR minimum (6% / 8%) + conservation buffer (2.5%) + countercyclical buffer (1%) ** The current MREL TREA ratio for the Alior Bank Group set by the Bank Guarantee Fund (BFG) (consolidated, including the combined buffer requirement) is: 18.86% 15,36% 15,11% 16,68% 17,83% 17,46% 17,53%17,11% 17,37% 16,97% 17,65% 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% 20,61% 20,07% 20,75% 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 TCR CET 1 / Tier 1 MREL TREA 179% 162% 188% 191% 177% 181% 187% 202% 257% 227% 214% 135% 135% 140% 143% 141% 144% 145% 147% 148% 146% 146% 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 LCR NSFR
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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. The cost-of-risk ratio (CoR%) for 1-3Q 25 amounted to 0.55%, with the settlement in 2Q 25 of the sale of an NPL portfolio, for which the Bank recognized a significant profit, having a significant impact on risk costs. CoR% after excluding profit from this transaction would be approx. 0.7%. We do not currently identify risks that could have a significant negative impact on CoR levels. Assuming no significant macroeconomic changes in the coming years, we expect the risk costs of the Alior Bank Group to not exceed 0.8%. The Bank has consistently reduced the share of NPL loans in the portfolio, achieving a ratio of 6.29% at the end of September 2025, despite the default of a significant client. This decrease remains in line with the strategy of reducing the NPL ratio below 5% by the end of 2026. RISK COSTS IN A TREND OF CONSISTENT IMPROVEMENT 2,39% 2,80% 1,60% 1,51% 0,98% 0,62% 0,55% 0 0 0 0 0 0 0 2019 2020 2021 2022 2023 2024 1-3Q 25 13,16% 14,48% 11,77% 9,80% 8,58% 6,81% 6,29% 2019 2020 2021 2022 2023 2024 3Q 25
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GRADUAL IMPROVEMENT IN THE QUALITY OF THE LOAN PORTFOLIO Impaired loans – segments Impaired loans (PLN bn) NPL reserve coverage ratio* NPL provision coverage* – segments CoR% – segments** Cost of Risk – CoR%** * Managerial presentation ** By quarter (QTD) 3,54% 2,91% 3,06% 2,67% 2,78% 13,65% 13,65% 13,11% 12,41% 12,95% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Retail Segment Corporate Segment (excl. BSB / Repo) 4,45 4,27 4,22 3,94 4,16 7,10% 6,81% 6,69% 6,18% 6,29% 3 4 4 5 5 6 4,00% 5,00% 6,00% 7,00% 8,00% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Stage 3 NPL Ratio 59,3% 59,3% 60,0% 59,4% 59,7% 45,9% 47,2% 47,9% 49,1% 50,1% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Retail Segment Corporate Segment 50,0% 50,4% 51,4% 51,9% 52,7% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 0,92% 0,60% 0,74% 0,20% 0,72% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 0,79% -0,60% 0,62% -0,13% 0,62% 1,12% 2,52% 0,92% 0,78% 0,89% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Retail Segment Corporate Segment
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3 FINANCIAL RESULTS
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666 615 476 640 563 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 1 830 1 679 1-3Q 24 1-3Q 25 4 515 4 521 1-3Q 24 1-3Q 25 NET PROFIT UNDER PRESSURE FROM LOWER INTEREST RATES AND HIGHER Y/Y OPERATING EXPENSES AND LEGAL RISKS In 3Q 25, revenues amounted to PLN bn 1.53 • net interest income of PLN bn 1.3 (-5% y/y) • commission income of PLN mn 234 (+10% y/y) In 1-3Q 25, revenues amounted to PLN bn 4.52 • net interest income of PLN bn 3.87 (0% y/y) • net commission income of PLN mn 666 (+3% y/y) Alior Bank Group's net profit in 3Q 25 amounted to PLN mn 563 and decreased by PLN mn 103 compared to the result in 3Q 24. Alior Bank Group's net profit in 1-3Q 25 amounted to PLN bn 1.68 and was lower by PLN mn 151 compared to the result in 1-3Q 24 -103 (-15%) +5 (~0%) -45 (-3%) +415 (+20%)-151 (-8%) Total revenue (PLN mn) Net profit (PLN mn) 1 577 1 545 1 465 1 524 1 531 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25
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• In 3Q 25, the net profit amounted to PLN mn 563, which corresponded to a return on equity (ROE) ratio of 18.9% • Transactions on derivatives are less and less burdensome to the Bank's net interest income. Their impact in 3Q 25 amounted to PLN mn -58, for comparison, in 3Q 24, this impact amounted to PLN mn -103 and PLN mn -83 in 2Q 25 • In 3Q 25 the Bank recognized PLN mn 41 of legal risk costs of mortgage loans in foreign currencies. The additional provision is related to the increase in the number of disputes and changes in the model assumptions, in particular the change in the assumptions regarding the target level of disputes • In 3Q 25 the Bank had recognized an additional PLN mn 19 provision related to disputes arising from the so-called "Free Loan Sanction" INCOME STATEMENT PLN mn 3Q 24 2Q 25 3Q 25 % y/y y/y 1-3Q 24 1-3Q 25 % y/y y/y Total Income 1 576,7 1 523,8 1 531,3 -3% -45,4 4 515,1 4 520,6 0% 5,5 Net interest income 1 358,1 1 289,1 1 296,1 -5% -61,9 3 871,7 3 870,1 0% -1,7 Net fee and commission income 213,3 222,3 233,9 10% 20,6 645,9 665,5 3% 19,6 Other income 5,3 12,4 1,2 -77% -4,1 -2,6 -15,0 485% -12,4 Total costs -710,5 -695,8 -804,6 13% -94,1 -2 088,6 -2 323,7 11% -235,2 General administrative expenses -472,5 -549,6 -564,8 20% -92,3 -1 531,7 -1 730,2 13% -198,5 Impairment of non-financial assets -0,1 -0,6 -0,6 580% -0,5 -1,4 -1,3 -6% 0,1 Net expected credit losses -154,6 -33,9 -123,8 -20% 30,8 -304,8 -277,6 -9% 27,1 Cost of fx mortgage legal risk -13,5 -43,7 -41,4 208% -27,9 -41,2 -101,0 145% -59,8 Banking tax -69,8 -68,1 -74,0 6% -4,2 -209,5 -213,6 2% -4,1 Gross profit 866,2 827,9 726,7 -16% -139,5 2 426,5 2 196,9 -9% -229,7 Income tax -200,4 -187,7 -163,9 -18% 36,5 -596,7 -517,5 -13% 79,1 Net profit 665,9 640,2 562,8 -15% -103,0 1 829,9 1 679,4 -8% -150,5 Net interest margin (NIM) 6,32% 5,74% 5,61% - -0,71 pp. 6,08% 5,74% - -0,34 pp. Cost of funding (CoF) 1,88% 1,74% 1,73% - -0,15 pp. 1,98% 1,80% - -0,18 pp. Cost of risk (CoR) 0,92% 0,20% 0,72% - -0,2 pp. 0,62% 0,55% - -0,07 pp. Cost / Income ratio (C/I) 30,0% 36,1% 36,9% - +6,9 pp. 33,9% 38,3% - +4,3 pp. Loan / Deposit ratio (L/D) 82,3% 78,5% 80,2% - -2,2 pp. 82,3% 80,2% - -2,2 pp. Return on equity (ROE) 25,7% 22,0% 18,9% - -6,8 pp. 24,4% 19,2% - -5,2 pp. Total Capital Ratio (TCR) 17,11% 16,97% 17,65% - +0,54 pp. 17,11% 17,65% - +0,54 pp.
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82,3% 79,4% 78,5% 78,5% 80,2% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 1 358 1 312 1 285 1 289 1 296 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3 872 62 1-3Q 24 1-3Q 25 1 433 1 385 1 341 1 324 1 311 -499 -496 -485 -465 -447 424 423 429 430 433 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Other Interest Income Interest Cost Loans Interest Income** 4 143 3 975 1 282 1 292 -1 554 -1 398 1-3Q 24 1-3Q 25 * Managerial presentation, QTD ** Interest income from loans, debt purchased, and leasing *** NIM and interest income growth adjusted for „credit moratoria” provisions in 2Q 24 of 86 mn PLN and a 24 mn PLN release of „credit moratoria” provisions in 3Q 24 Net interest income (PLN mn) 1 7701 8081 857 1 743 -5%/-3%*** Interest margin and financing cost* -6% 1 754 -1% +1% VOLUME GROWTH IN 2025 STABILIZES NET INTEREST INCOME DESPITE A DECREASE IN THE INTEREST MARGIN Interest income and expenses (PLN mn) Loan / Deposit Ratio -3% 5 426 5 268 1 334 -24 Effect of „credit moratoria” on NII 3 934 3 870 0%/-2%*** -10% -4% -10% 1,88% 1,82% 1,87% 1,74% 1,73% 6,32% 6,00% 5,88% 5,74% 5,61% 5,40% 5,41% 5,15% 5,54% 4,89% 6,20% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 CoF NIM NIM - CoR NIM adj. ***
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16 25 18 19 21 -18 -18 -14 -15 -18 75 75 73 79 84 19 18 19 22 21 58 58 56 57 58 19 20 16 16 20 44 44 41 45 47 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 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) 38 59 235 236 55 62 181 170 59 53 132 134 -54 -47 1-3Q 24 1-3Q 25 209 222 234 Net Fees and Commissions Income (PLN mn)* 213 221 +7% y/y +13% y/y +33% y/y +1% y/y +6% y/y 0% y/y +9% y/y +5% • The increase in the result on FX transactions by PLN mn 9 y/y was mainly due to increased activity of retail clients • The increase in the result on payment and credit card servicing by PLN mn 5 y/y resulted from a change in the method of creating provisions for settlements of card payments, which results in a more even distribution of revenues from this activity between quarters in 2025. • The increase in commissions related to accounts, transfers, and cash services by PLN mn 3 y/y was mainly due to increased activity of business customers * Net fee and commission income in the period from 3Q 24 to 4Q 24, accounts for the presentation change in brokerage commissions +10% NET FEES AND COMMISSIONS INCOME 646 666 +3% +2% y/y 0% y/y +57% y/y -11% y/y -6% y/y +12% y/y -13% y/y
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283 327 335 315 312 125 177 144 159 178 64 82 62 65 64 75 11 11 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Employee expenses General and administrative costs* Amortization and depreciation Costs of Bank Guarantee Fund 911 961 391 482 189 19041 97 1-3Q 24 1-3Q 25 565586 Operating costs (PLN mn) * General management expenses include taxes and charges ** By quarter (QTD) *** The ratio is calculated assuming a linear quarterly distribution of the contribution to the BFG compulsory restructuring fundand lack of impact on revenues in 3Q 24 of the release of PLN mn 24 provisions for "credit moratoria" 473 550616 +20% C/I ratio** - % y/y 0% y/y +42% y/y +10% y/y • In 3Q 25, operating costs amounted to PLN mn 565 and increased by 20% (by PLN mn 92) compared to operating costs in 3Q 24, the increase was mainly due to an increase in the Bank Guarantee Fund (BFG) contribution, and in the case of other items it was largely due to the Bank's adoption of a policy of creating provisions for incurred costs more evenly than in the previous year. The normalized increase in operating costs on a y/y basis in 3Q 25, excluding the cost of the Bank Guarantee Fund, amounted to approx. 7%. • Operating costs, excluding the cost of the Bank Guarantee Fund, in the period 1-3Q 25 amounted to PLN mn 1 634 and increased by 10% y/y (PLN mn +143), with the normalized increase in operating costs excluding the cost of the Bank Guarantee Fund and the effect of the change in the cost provisioning policy amounted to approx. 7%. For the entire year 2025 the Bank expects an increase in operating costs (adjusted for the cost of the Bank Guarantee Fund) at of approx. 6-7% y/y. +3% STABILIZATION OF OPERATING EXPENSES IN 2025 +137% y/y +1% y/y +23% y/y +6% y/y 1 730 1 532 +13% 31,1% 38,6% 38,8% 37,1% 37,9% 30,0% 37,9% 42,0% 36,1% 36,9% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 C/I normalized*** C/I reported
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▪ Consistent implementation of an ambitious strategy ▪ Market leader in Consumer Finance ▪ A distinctive, refreshed brand ▪ An agile business model built on modern technologies and a variety of distribution channels ▪ Stable and predictable costs of risk due to highly competent management ▪ High return on equity (ROE) ▪ Stable capital position, high surplus over regulatory requirements ▪ Part of the PZU Group, leader in the insurance market ▪ Dividend payment WHY ALIOR BANK?
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4 OTHER ISSUES
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A RECOVERY DRIVEN BY PRIVATE CONSUMPTION Source: GUS, NBP, Bloomberg, own analysis DAM Alior • In the first half of 2025, the recovery in Poland accelerated slightly. GDP grew by an average of 3.3% y/y vs. 3.1% y/y in the second half of 2024. • In 2Q 25 alone, economic growth was driven by strong private consumption (4.4% y/y). In 3Q 25 we also expect a solid result, supported by good sentiment of households, which in September reached a level not seen since the pre-pandemic times. • In 2Q 25, on the other hand, investment demand, including disappointing results in infrastructure construction, surprised negatively. In the background, however, we see an improvement in companies' investments. • Later in the year, the recovery should be supported, by among others a recovery in demand for credit. In the case of companies, this heralds a further improvement in investment activity, and in the case of households, maintaining positive trends in consumption. • The recovery in demand for credit is supported by the loosening of monetary policy. NBP rates have been cut by 125 bps this year. • On the labor market, we are observing a weakening of labor demand under the pressure of wages. On the other hand, wage dynamics are clearly slowing down, which should normalize the situation. Improvement in lending Consumption at the forefront of recovery Household sentiment is the best since the outbreak of the pandemic -10 -5 0 5 10 15 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Change in GDP (real, %, y/y) and it’s composition (p.p.), Poland konsumpcja GD spożycie publiczne inwestycje zapasy eksport netto PKB -15% -10% -5% 0% 5% 10% 15% 20% Aug-15 Aug-17 Aug-19 Aug-21 Aug-23 Aug-25 Loans (y/y, adjusted for FX) Kredyty konsumpcyjne Kredyty przedsiębiorstw Kredyty mieszkaniowe (PLN) -60 -50 -40 -30 -20 -10 0 10 20 Sep-13 Sep-15 Sep-17 Sep-19 Sep-21 Sep-23 Sep-25 Consumer sentiment according to GUS, Poland Bieżące Wyprzedzająceinventory household consumption public spending net export investments GDP Current Leading Consumer loans Corporate loans Mortgages (PLN)
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IMPROVEMENT IN EUROPEAN INDUSTRY ON THE HORIZON Source: Bloomberg, CPG, own analysis DAM Alior • In the second half of 2025, the momentum in the actions of the two major central banks is reversed. The ECB is currently after a cycle of easing and adjusting interest rates, and the Fed is resuming rate cuts after a many month break. • The US Fed is thus reacting to the weak situation on the US labor market. At the same time, it is becoming confident that the upward impulse for inflation from tariffs will be limited in scale and time. • Despite the tariff wars, the volume of global trade in goods has been growing sharply this year - according to the Dutch CPB, it grew until July by an average of about 5% in real terms. The global economic situation is showing greater resilience to customs shocks than expected. • Even though the EU has been subject to asymmetric tariffs from the US, which relatively worsen the position of European producers compared to those from the US, the sentiment in European industry continues to improve. Hard data from 2Q 25 included, shows there are already increases in industrial production on an annual basis. • In terms of business indicators, the assessment of the situation is still cautious, but it signals the possibility of entering the recovery phase. This automatically improves the outlook for Polish industry, and more broadly heralds an improvement in external demand European industry with signals of recovery from the crisis -1,0 0,0 1,0 2,0 3,0 4,0 5,0 6,0 Oct-01 Oct-04 Oct-07 Oct-10 Oct-13 Oct-16 Oct-19 Oct-22 Oct-25 Rates in the USA and Eurozone Stopa Fed (górny przedział) Stopa depozytowa EBC 75 80 85 90 95 100 105 110 115 Jul-19 Jul-20 Jul-21 Jul-22 Jul-23 Jul-24 Jul-25 Trade volume, world (2021=100, USD) 35 37 39 41 43 45 47 49 51 53 Oct-22 Mar-23 Aug-23 Jan-24 Jun-24 Nov-24 Apr-25 Sep-25 Manufacturing PMI strefa euro Niemcy Francja The Fed resumes interest rate cuts Global trade has accelerated Fed rate (upper bound) EBC deposit rate Eurozone Germany France
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PROSPECTS FOR FURTHER RECOVERY Source: GUS, NBP, own analysis DAM Alior First consumption, then investments Continuation of cautious NBP rate cuts in 2026 • We expect the economic recovery in Poland to accelerate in the second half of the year and to grow by 3.7% in 2025 for the full year. A similar pace of economic growth should be maintained in 2026, and the potential will be slightly lower in the following years, among others due to demographics • In the second half of 2025, private consumption will grow convincingly, which will contribute to a full- year growth of 4.2%. In 2026 and beyond, we already expect the dynamics of household spending to solidify, at lower but still sound levels of just above 3% • We also expect an improvement on the investment side. The period of concentration of spending of EU funds is approaching, and the private sector should enter a phase of cyclical acceleration of investment activity, additionally stimulated by the above-mentioned impulse from EU funds. We expect investments to grow by 7.8% in 2025 and 6.4% in 2026 • The labor market has loosened somewhat, but the unemployment rate is still one of the lowest in the EU. Pressure on wages is normalizing, which will help companies stabilize the cost side. But in the longer term, the tight labor market will put pressure on productivity • Inflation should stabilize around the NBP inflation target in the coming quarters. This will allow for further rate cuts, but they will be cautious. Positive real interest rates will remain for a longer period • Interest rate cuts and an improvement in the economic situation should support the recovery of lending. We expect a CAGR of 2025-2027 for loans just above 6% and deposits of ~8% 2024 2025P 2026P 2027P Economic indicators GDP (real, %, y/y) 2,9 3,7 3,6 3,3 Investments (real, %, y/y) -2,2 7,8 6,4 3,5 Private consumption (real, %, y/y) 3,1 4,2 3,2 3,1 CPI (average, %, y/y) 3,6 3,7 2,7 2,6 Unemployment rate (average, %) 5,1 5,4 5,6 5,5 NBP base rate (EoP, %) 5,75 4,50 3,50 3,50 Banking sector (volumes, %, y/y) Total loans 3,4 6,1 6,9 5,8 Residential mortgages (PLN) 8,4 7,6 8,6 7,2 Consumer 5,7 7,9 6,9 6,2 Corporate 4,8 9,3 8,3 6,6 Total deposits 7,9 9,0 7,9 7,1 -2,0 6,9 5,3 0,2 2,9 3,7 3,6 3,3 -6 -4 -2 0 2 4 6 8 10 12 14 2020 2021 2022 2023 2024 2025P 2026P 2027P GDP growth with main components, Poland Inwestycje (realnie, %, r/r) Konsumpcja prywatna (realnie, %, r/r) PKB (realnie, %, r/r) 3,7 2,7 2,60,10 1,75 6,75 5,75 5,75 4,50 3,50 3,50 0 2 4 6 8 10 12 14 16 2020 2021 2022 2023 2024 2025P 2026P 2027P CPI and interest rates, Poland Inflacja CPI - średnio (%, r/r) Stopa bazowa NBP - koniec okresu (%) Investments (real, %, y/y) Private consumption (real, %, y/y) GDP (real, %, y/y) CPI – average (%, y/y) NBP base rate – EoP (%)
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AN OFFER CLOSE TO OUR CUSTOMERS Alior Bank has prepared an offer for parents and guardians of new customers aged 13-17. As part of the "Open an account and receive a payment bracelet" promotion, a teenager can receive a modern, comfortable, and safe payment bracelet – water-resistant, works without charging and is ideal for everyday payments at school, shopping or during training. Alior Bank's individual customers can use the currency exchange function in the Alior Mobile app and the Alior Online transaction service. The new solution works 24/7 and offers numerous functions that will make it easier to exchange currencies on a regular basis. Alior Bank has expanded its offer of financing investments improving energy efficiency. The new loans are available to companies and housing communities in several regions of Polish. In the Łódzkie, Zachodniopomorskie, and Małopolskie voivodeships, the bank offers loans for the modernization of multi-family buildings – with a fixed, preferential interest rate, a long repayment period and the possibility of partial forgiveness. Nearly PLN mn 90 has been allocated for this purpose. In the Wielkopolska voivodeship, investments in renewable energy sources (RES) will be financed – with a total value of PLN mn 16.3, while in the Podkarpackie voivodeship, a new support program for enterprises investing in improving energy efficiency is being launched, with a budget of over PLN mn 45. The loans are co-financed from the Trust Funds managed by BGK and from the bank's own funds.
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Alior TFI ALIOR BANK’S INVESTMENT SERVICES Alior Bank’s Brokerage House 281 292 312 334 358 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Assets under management in Alior TFI open funds (PLN bn) Assets under management in non- dedicated funds* in Poland (PLN bn) In 3Q 25 Alior TFI recorded record inflows into funds. At the end of September 2025, TFI reached assets of PLN bn 4.40. In 3Q 25, net inflows to funds amounted to PLN bn 523 million. The largest inflows were recorded in funds with a relatively low risk profile. A significant share in sales was in foreign currencies funds, newly opened in 3Q 25: Euro Obligacji and Dolar Obligacji funds +55% y/y +27% y/y Over the last 12 months, the growth rate of Alior TFI's AuM level has been twice as high as the market growth. In 3Q 25 alone, Alior TFI's assets grew by 16%, a result much better than the market, which grew by 7% at that time. This is also a better result than the short-term debt fund market, which is more similar in its asset profile, which grew by 10% during this time. Alior TFI's market share in AuM has increased from 1.0% to 1.2% over the last 12 months. 2,83 3,22 3,59 3,81 4,40 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 *Non-dedicated funds– funds offered to a broad range of investors In 3Q 25, the brokerage house's commission result was significantly higher (+9%) than in the previous year and reached PLN mn 21. Particularly high growth is recorded in FIO and Individual Advisory assets and in the number of new IKE/IKZE accounts. ▪ The number of brokerage accounts exceeded 95.8 k (+3% y/y) ▪ The number of IKE/IKZE accounts (brokerage and fund) was 12.1 k (+31% y/y) ▪ The number of Alior Trader accounts amounted to 8.5 k (+4.2% y/y) ▪ Assets in Individual Advisory PLN bn 2.7 (+51% y/y) ▪ Assets in Open-end Investment Funds PLN bn 7.4 (+51% y/y) ▪ Sales of Structured Products YTD (gross) PLN mn 260 (-54% y/y) Basic operating information: Brokerage House Net Fees and Commissions (PLN mn) +9% 19,2 17,7 18,9 21,6 21,0 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 +12% 55,1 61,5 1-3Q 24 1-3Q 25
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1 670 284 1 640 4 954 4 476 4 239 2 526 2 441 2 409 2 656 3 098 3 211 7 425 7 621 7 752 6 435 6 785 6 964 3Q 24 2Q 25 3Q 25 Reverse Repo/BSB Micro Small Medium Large Alior Leasing 20 328 20 665 20 763 20 263 21 620 22 316 3Q 24 2Q 25 3Q 25 Consumer loans Loans for real estate 40 591 42 285 43 079 25 665 24 706 26 215 3Q 24 2Q 25 3Q 25 Retail Segment Corporate Segment * Managerial presentation ** without Reverse Repo / BSB transactions Business Customer Segment* (PLN mn) 24 706 Retail Customer Segment (PLN mn) 26 215 43 07942 285 Loan portfolio in total (PLN mn) +5% +3% 69 29466 99166 257 Structure of the total loan portfolio 25 665 +2%/+2%** STABLE GROWTH OF THE GROSS LOAN PORTFOLIO 40 591 +5% +2% +6%/+1%** 61% 62% 63% 63% 62% 39% 38% 37% 37% 38% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Retail Segment Corporate Segment Structure of the Retail Customer portfolio 50,1% 50,0% 49,7% 48,9% 48,2% 49,9% 50,0% 50,3% 51,1% 51,8% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Consumer loans Loans for real estate Structure of the Business Customer portfolio 19% 19% 19% 18% 16% 10% 10% 10% 10% 9% 10% 11% 12% 13% 12% 29% 31% 31% 31% 30% 25% 26% 27% 27% 27% 7% 2% 2% 1% 6% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Micro Small Medium Large Alior Leasing Reverse Repo/BSB
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13 463 13 704 14 243 8 268 8 864 8 586 333 425 355 3Q 24 2Q 25 3Q 25 Current deposits Term deposits Other liabilities 61% 66% 65% 60% 61% 37% 32% 33% 39% 37% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Current deposits Term deposits 73% 72% 73% 73% 73% 26% 28% 27% 27% 27% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Current deposits Term deposits 38 438 41 231 41 656 13 817 15 065 15 434280 302 312 3Q 24 2Q 25 3Q 25 Current deposits Term deposits Other liabilities 38 438 41 231 41 656 13 463 13 704 14 243 13 817 15 065 15 434 8 268 8 864 8 586 613 727 667 3Q 24 2Q 25 3Q 25 Current deposits (Retail) Current deposits (Corpo) Term deposits (Retail) Term deposits (Corpo) Other Structure of net liabilities to Customers 74 599 80 586 Structure of main liabilities 79 591 Net liabilities structure - Retail Segment Net liabilities structure - Business Segment 57 40256 59852 535 22 064 23 18422 993 Structure of main liabilities - Retail Segment Structure of main liabilities - Business Segment +8% +1% +9% +1% +5% +1% * 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. THE BANK MANAGES THE DEPOSIT PORTFOLIO TO OPTIMIZE THE COST OF FINANCING (PLN MN)* 70% 70% 71% 69% 69% 30% 29% 29% 30% 30% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Current deposits Term deposits
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33,9 36,4 35,2 38,0 39,8 41,8 22,3 21,8 22,4 23,0 22,9 24,3 2020 2021 2022 2023 2024 3Q 25 Retail Loans Corporate Loans 56,2 58,2 57,6 61,0 62,7 66,1 15,7 16,1 17,0 18,8 23,6 24,46,7 8,7 8,3 10,3 7,0 7,2 2020 2021 2022 2023 2024 3Q 25 Loans and advances to customers Financial assets Other assets Receivables from Customers (net) +5% +18% 56,2 58,2 57,6 61,0 66,1 +5% YTD +6% YTD Alior Bank Group assets +5% YTD +3% YTD 93,390,1 82,983,078,6 +5% +24% +4% YTD 97,7 62,7 ASSET STRUCTURE OF ALIOR BANK GROUP (PLN BN)
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37,2 42,6 35,1 36,3 38,8 41,7 16,4 17,3 13,9 14,2 15,0 14,2 7,2 5,7 15,0 14,1 15,1 15,44,3 5,4 5,5 7,9 7,4 8,6 0,6 0,5 0,5 0,5 0,7 0,7 2020 2021 2022 2023 2024 3Q 25 Current deposits (Retail) Current deposits (Corpo) Term deposits (Retail) Term deposits (Corpo) Other 6,6 5,9 6,2 9,2 11,2 12,2 65,8 71,5 70,0 73,1 76,9 80,6 6,3 5,6 6,7 7,8 5,2 5,0 2020 2021 2022 2023 2024 3Q 25 Equity Amounts due to customers Other liabilities 65,8 71,5 70,0 73,1 76,9 +16% YTD +2% YTD -5% YTD +7% YTD +5% +22% +2% YTD Liabilities to Customers*Alior Bank Group liabilities 93,390,1 82,983,0 78,6 +5% +24% -3% YTD +9% YTD +5% YTD * 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. 97,7 80,6 LIABILITY STRUCTURE OF ALIOR BANK GROUP (PLN BN)
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CONSOLIDATED STATEMENT OF THE FINANCIAL STANDING OF THE ALIOR BANK GROUP (PLN MN) 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 % q/q q/q % y/y y/y Total assets 91 183,3 93 293,5 96 589,4 99 467,6 97 742,1 -2% -1 725,5 7% 6 558,8 Cash and cash equivalents 3 265,3 2 123,4 5 357,5 5 530,4 3 382,7 -39% -2 147,7 4% 117,4 Amounts due from banks 795,6 1 821,6 2 028,6 1 429,4 878,3 -39% -551,0 10% 82,7 Investment financial assets 21 357,4 23 602,9 22 190,9 23 419,4 24 398,4 4% 979,0 14% 3 041,0 Derivative hedging instruments 317,7 274,7 393,2 491,3 409,8 -17% -81,5 29% 92,1 Loans and advances to customers 62 945,8 62 736,0 63 138,4 63 913,1 66 135,8 3% 2 222,7 5% 3 190,0 Assets pledged as collateral 18,3 18,0 972,6 2 196,6 18,3 -99% -2 178,3 0% 0,0 Property, plant and equipment 721,2 697,8 672,8 641,9 643,4 0% 1,5 -11% -77,9 Intangible assets 439,0 471,9 474,2 487,8 508,2 4% 20,4 16% 69,2 Income tax asset 793,2 823,2 736,5 687,3 710,2 3% 22,9 -10% -83,0 Other assets 529,7 724,1 624,8 670,4 657,1 -2% -13,4 24% 127,4 Total liabilities and equity 80 413,6 82 086,8 84 746,1 87 977,8 85 581,2 -3% -2 396,6 6% 5 167,6 Amounts due to banks 247,8 160,1 1 179,7 2 337,0 254,8 -89% -2 082,2 3% 7,0 Amounts due to customers 74 599,0 76 936,6 78 464,6 79 590,6 80 585,5 1% 995,0 8% 5 986,5 Financial liabilities 157,8 196,5 240,5 314,5 201,0 -36% -113,5 27% 43,2 Derivative hedging instruments 469,7 450,4 315,8 217,3 142,7 -34% -74,5 -70% -326,9 Fair value changes of the hedged items in portfolio hedge 25,3 -53,0 32,7 105,8 102,8 -3% -3,0 307% 77,5 Provisions 291,4 321,8 324,2 354,9 375,4 6% 20,6 29% 84,0 Other liabilities 1 770,9 1 708,4 2 227,5 3 105,3 1 818,9 -41% -1 286,4 3% 48,1 Income tax liabilities 227,4 279,0 40,0 106,6 210,4 97% 103,8 -7% -17,0 Liabilities from the issuance of debt securities 1 847,9 2 087,0 1 921,0 1 846,0 1 889,5 2% 43,6 2% 41,6 Subordinated loans 776,4 0,0 0,0 0,0 0,0 - 0,0 -100% -776,4 Equity 10 769,7 11 206,7 11 843,3 11 489,8 12 160,9 6% 671,1 13% 1 391,2 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 7 438,1 7 438,1 7 438,1 8 655,3 8 655,3 0% 0,0 16% 1 217,2 Revaluation reserve -19,0 -197,2 -37,0 169,1 277,4 64% 108,3 - 296,4 Other reserves 161,8 161,8 161,8 161,8 161,8 0% 0,0 0% 0,0 Foreign currency translation differences 0,2 0,3 0,0 0,0 0,0 - 0,0 -100% -0,2 Accumulated losses 53,3 53,2 2 498,6 81,6 81,6 0% 0,0 53% 28,4 Profit for the period 1829,9 2445,0 476,3 1116,5 1 679,4 50% 562,8 -8% -150,5 Total liabilities and equity 91 183,3 93 293,5 96 589,4 99 467,6 97 742,1 -2% -1 725,5 7% 6 558,8
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3 069 2 833 1 999 2 891 2 446 2 347 1 885 2 432 2 184 2 769 2 521 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 388 598 988 2 066 1 640 681 605 743 983 1 316 1 278 1 602 1 693 1 489 1 379 1 571 1 679 1 632 2 007 2 186 2 101 2 025 727 1 171 1 422 1 910 1 346 1 181 1 138 1 704 1 279 1 301 1 318 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Mortgage Loan Cash Loan Consumer Finance Loan 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 +16% y/y +111% y/y +37% -2% 3 462 3 899 5 355 4 557 3 542 3 375 4 455 4 448 +24% y/y NEW SALE OF LOANS (PLN MN) 4 717 +34% -9% 4 621
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4 330 4 357 4 363 4 381 4 403 248 249 251 250 251 3Q 24 4Q24 1Q 25 2Q 25 3Q 25 Corporate Segment Client Retail Segment Client 336 331 318 319 318 176 176 175 168 168 3Q 24 4Q24 1Q 25 2Q 25 3Q 25 Branches* Agencies 6 627 6 609 6 569 6 425 6 304 53 514 497 486 480 474 3Q 24 4Q24 1Q 25 2Q 25 3Q 25 Alior Bank Alior Bank Romania Subsidiaries -415 -6% 7 194 7 055 6 906 6 779 493 487519 507 7 106 -26 -5%-127 -2% -1 0% Number of customers (k) +75 +2% +22 0% 4 578 4 605 4 613 4 631 4 654 +2% y/y +1% y/y -5% y/y -8% y/y -5% y/y -5% y/y 486 * Alior Bank's branches include: traditional branches, Private Banking branches, Corporate Banking Centers, and Microenterprise Centers. ADDITIONAL INFORMATION Employment (FTEs) Alior Bank’s branches
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PZU Group 31,9% NN OFE 9,6% PKO BP Bankowy OFE 3,5% Generali OFE 5,1% Vienna OFE 2,7% Uniqa OFE 1,9% Allianz OFE 8,8% Pocztylion-Arka OFE 0,6% Other 35,9% OFE 32,2% Alior Bank’s shares are part of the following stock indices: Alior Bank share price : PLN 102.60 (data as of September 30, 2025) Capitalization: PLN bn 13.4 Value of shares in free float : PLN bn 6.0 P/BV**: 1.1x P/E***: 5.8x 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: positive Rating Sustainalytics: ESG Risk Rating: 21.6 Medium Risk 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 30.06.2025 and 31.12.2024 ** based on the equity of the Alior Bank Group as of 30.09.2025 *** based on the reported net profit of the Alior Bank Group for 4Q 24 – 3Q 25 +10.7% y/y +31.4% y/y +27.7% y/y +21.6% y/y ALIOR BANK S.A. – STOCK PERFORMANCE, SHAREHOLDING STRUCTURE, RATINGS 80 90 100 110 120 130 140 150 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Shareholding structure*
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Alior Bank S.A. Investor Relations and Subsidiaries Supervision Department ul. Chmielna 69 00-801 Warszawa More information Address details Contact data Investor Relations and Subsidiaries Supervision Department e-mail: ir@alior.pl Internet Next events: • Wyniki za 3 kw. 2025 – 28 października 2025 r. CONTACT Youtube channel Website Facebook fanpage X profile LinkedIn profile
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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 3Q 25. 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. DISCLAIMER