Slides
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ALIOR BANK SA | FEBRUARY 24, 2026 PRESENTATION OF RESULTS FOR 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 YEAR FOR ALIOR BANK, A RECORD 4Q 25 The number of relational retail customers was 1.7 mn (107 k more than at the end of 2024) The number of mobile app users was 1.67 mn (17% more than at the end of 2024) Low credit risk costs • CoR in 4Q 25 amounted to PLN mn 50, and the CoR% ratio was 0.29% (-0.31 pp. y/y) • in 2025, the CoR amounted to PLN mn 328, and the CoR% ratio was 0.49% (-0.13 pp. y/y) The NPL ratio was 5.64% This represents a decrease of 1.18 pp. over the past year In 4Q 25, revenues amounted to PLN bn 1.49 • net interest income of PLN bn 1.26 (-4% y/y) • net commission income of PLN mn 240 (+9% y/y) In 2025, revenues amounted to PLN bn 6.01 • net interest income of PLN bn 5.13 (-1% y/y) • net commission income of PLN mn 906 (+4% y/y) Alior Bank Group’s net profit in 4Q 25 amounted to PLN mn 688 (+12% y/y) Alior Bank Group's net profit for 2025 amounted to PLN bn 2.37 (-3 y/y) Record quarter for Alior Leasing The leasing portfolio amounted to PLN bn 7.2 at the end of 2025 (+9% y/y) Sales in 4Q 25 amounted to PLN mn 961 (+14% y/y) and this was historically the highest quarterly sales Growth of the deposit portfolio At the end of 2025, the value of liabilities to customers amounted to PLN bn 82.6 and increased by 7% y/y ROE in 4Q 25 was 21.7% In 2025, the ROE ratio was 19,6% An increase in sales of Alior Bank loans • in 4Q 25, total loan sales amounted to PLN bn 8.0, an increase of 12% y/y • in 2025, total loan sales amounted to PLN bn 29.3, an increase of 17% y/y
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60,8 63,9 2024 2025 76,9 82,6 2024 2025 93,3 101,8 2024 2025 Deposits* (PLN bn) Gross Performing Loans** (PLN bn)Assets (PLN bn) +9% +7% +5% * Liabilities to customers ** Volume of gross loans classified to stages 1 and 2, without Repo/BuySellBack transactions (PLN bn 0,6 at the end of 2024and PLN bn 0,4 at the end of 2025) ALIOR BANK ON A PATH OF DYNAMIC GROWTH ROE 4Q 25 21.7% -0.6 pp. y/y C/I 4Q 25 37.9% ~0.0 pp. y/y NPL 2025 5.64% -1.18 pp. y/y NIM 4Q 25 5.38% -0.63 pp. y/y TCR 2025 17.63% -0.64 pp. y/y COR 4Q 25 0.29% -0.31 pp. y/y C/I 2025 38.2% +3.2 pp. y/y NIM 2025 5.60% -0.38 pp. y/y ROE 2025 19.6% -4.3 pp. y/y COR 2025 0.49% -0.13 pp. y/y
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37,5% 38,1% 40,0% 40,7% 42,6% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 43,6% 45,0% 45,5% 47,3% 48,6% 35, 0% 37, 0% 39, 0% 41, 0% 43, 0% 45, 0% 47, 0% 49, 0% 51, 0% 53, 0% 55, 0% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 RETAIL CUSTOMERS Users of Alior Bank mobile app (mn) +17% / +240 k Number of relationship customers (mn) +7% / +107 k Share of mobile app users among relationship and installment customers (%) +5 pp. % of e2E sales initiated in the mobile channel (%) +5.1 pp. WE CONSISTENTLY DEVELOP CUSTOMER RELATIONS 1,60 1,62 1,64 1,68 1,70 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1,43 1,49 1,52 1,59 1,67 1 1 1 1 2 2 2 2 2 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25
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2,0 2,2 2,1 2,0 2,0 1,7 1,3 1,3 1,3 1,8 3,7 3,5 3,4 3,3 3,8 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Cash loans Consumer finance 6,9 8,3 5,4 5,7 12,3 14,0 0,0 2,0 4,0 6,0 8,0 10,0 12,0 14,0 2024 2025 3,7 5,0 0,0 1,0 2,0 3,0 4,0 5,0 6,0 2024 2025 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) +13% 38,8 41,4 41,2 41,7 43,1 15,1 15,3 15,1 15,4 15,70,6 0,4 0,3 0,4 0,35,4 5,9 6,3 7,4 8,06,0 6,9 7,0 7,0 7,265,8 69,9 69,9 71,8 74,3 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 +7% 0,7 1,0 1,3 1,3 1,4 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 X1.9+2% 41,1 41,6 42,3 43,1 43,9 20,5 20,7 20,7 20,8 20,9 20,5 20,9 21,6 22,3 23,0 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Consumer loans Loans for real estate +36%+14% Current accounts Term deposits Bank-issued derivative securities and others Investment funds Financial instruments in brokerage accounts
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RETAIL CUSTOMERSWE SIMPLIFY BANKING BY ADDING NEW FEATURES AND CHANGES TO THE APP INTERFACE High availability and customer ratings -66% reduction in offline time (y/y) 68% NPS 4Q 25 4.6 4.6 New services: • e-Government Office • Digital Investments Intuitive and simple: • "Products" tab • "Payments" tab • "Offers" tab • "Contact and Help" section Offer: • New communication formats • New "Offers" section New useful functions From 19.02 new Desktop and login
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2,8 2,7 2,6 2,7 2,5 IV kw. 24 I kw. 25 II kw. 25 III kw.25 IV kw. 25 Gross loan volume of Business Customers (PLN bn) non-performing portfolio 17,5 17,5 17,4 17,4 16,7 IV kw. 24 I kw. 25 II kw. 25 III kw.25 IV kw. 25 Gross loan volume of Business Customers (PLN bn) BUSINESS CUSTOMER * subsegments Micro/Small/Medium/Large SALES GROWTH IN THE BUSINESS CUSTOMER SEGMENT* The gross loan portfolio in the Small and Medium segments amounted to PLN bn 5.4 at the end of 4Q 25 to and thus increased by 5% y/y Loan sales in 4Q 25 amounted to PLN bn 2.8 (+14% y/y) -5% -14% 2,4 2,2 2,8 2,5 2,8 IV kw.24 I kw.25 II kw.25 III kw.25 IV kw. 25 14% Total credit limit granted (PLN bn) 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25
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22,6 21,3 22,8 23,0 23,4 IV kw. 24 I kw. 25 II kw.25 III kw. 25 IV kw. 25 Deposit volume of Business Customers (PLN bn) BUSINESS CUSTOMERAN INCREASE IN DEPOSIT VOLUMES An increase in deposit volume (+3% y/y) We maintain a high level of the number of customers with an active debit card We maintain a high share of online account sales in the Micro segment (+3 pp. y/y) +3% 109,2 110,5 110,1 110,1 109,6 IV kw. 24 I kw. 25 II kw.25 III kw. 25 IV kw. 25 +0.4% Active debit cards (k) 72% 73% 67% 71% 75% IV kw.24 I kw.25 II kw. 25 III kw. 25 IV kw. 25 +3 pp. % share of online account sales in the Micro segment 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25
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ALIOR LEASING'S PORTFOLIO GREW +9% Y/Y RECORD SALES IN 4Q 25 6 577 6 624 6 785 6 963 7 143 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Lease and loans portfolio (PLN mn) • Alior Leasing's sales in 2025 amounted to PLN mn 3 370 and were 9% higher y/y • Alior Leasing’s sales in 4Q25 amounted to PLN mn 961 and were 14% higher y/y, this is the highest quarterly sales in the company's history • The share of individual asset classes remains stable. In 4Q 25, 47% of sales were for vehicles up to 3.5 t, 36% for vehicles over 3.5 t, and 18% of sales were machinery and equipment • According to ZPL data, the company's share in sales in 4Q 25 amounted to 2.8% and increased y/y by 0.1 pp., in particular the share in the category of vehicles over 3.5 t increased by 1.1 pp. to 6.3%. The share in the total leasing market portfolio remains stable at 3.0% +9% +3% Sale of leases and loans (PLN mn) 840 739 819 852 961 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 3 080 3 370 2024 2025 +9% +14% +13%
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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 December 2025 significantly exceed regulatory minimums*, by respectively 813 bps (PLN bn 4.8) and 613 bps (PLN bn 3.7). The consolidated MREL TREA ratio of Alior Bank Group at the end of December 2025 was 21.43% (257 bps above the requirement**). Currently, the Bank meets the criteria of the KNF (Polish Financial Supervision Authority) allowing for the payment of dividends up to 50% of net profit. 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%). Additionally, the Group received a recommendation from the KNF to maintain a P2G add-on of 2.26% ** 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% 191% 177% 181% 187% 202% 257% 227% 214% 245% 143% 141% 144% 145% 148% 148% 146% 146% 149% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 LCR NSFR 17,83% 17,46% 17,53% 17,11% 17,37% 16,97% 17,65% 17,15% 16,97% 17,12% 16,78% 18,27% 17,63% 20,51% 20,23% 21,44% 21,08% 21,78% 20,61% 20,07% 20,75% 21,43% 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 TCR CET 1 / Tier 1 MREL TREA
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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%) in 2025 was 0.49%, with settlements of NPL portfolio sales transactions for which the Bank recognized a significant profit in 2Q 25 and 4Q 25 having a significant impact on costs of risk. CoR% after excluding profit from these transactions would be approx. 0.8%. 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 5.64% at the end of 2025, despite the default of a significant client in 3Q 25. The path of reducing the share of NPL loans in the Bank's portfolio is 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% 0,49% 0 0 0 0 0 0 0 2019 2020 2021 2022 2023 2024 2025 13,16% 14,48% 11,77% 9,80% 8,58% 6,81% 5,64% 2019 2020 2021 2022 2023 2024 2025
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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%** 4,27 4,22 3,94 4,16 3,62 6,81% 6,69% 6,18% 6,29% 5,64% 3 4 4 5 5 6 4,00% 5,00% 6,00% 7,00% 8,00% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Stage 3 NPL Ratio 50,4% 51,4% 51,9% 52,7% 50,4% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 59,3% 60,0% 59,4% 59,7% 59,3% 47,2% 47,9% 49,1% 50,1% 47,2% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Retail Segment Corporate Segment 0,60% 0,74% 0,20% 0,72% 0,29% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 -0,60% 0,62% -0,13% 0,62% -0,10% 2,52% 0,92% 0,78% 0,89% 0,96% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Retail Segment Corporate Segment 2,91% 3,06% 2,67% 2,78% 2,30% 13,65% 13,11% 12,41% 12,95% 11,90% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Retail Segment Corporate Segment (excl. BSB / Repo) * Managerial presentation ** By quarter (QTD)
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3 FINANCIAL RESULTS
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615 476 640 563 688 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 2 445 2 367 2024 2025 NET PROFIT DUE TO LOWER INTEREST RATES AND HIGHER LEGAL RISK COSTS In 4Q 25, revenues amounted to PLN bn 1.49 • net interest income of PLN bn 1.26 (-4% y/y) • net commission income of PLN mn 240 (+9% y/y) In 2025, revenues amounted to PLN bn 6.01 • net interest income of PLN bn 5.13 (-1% y/y) • net commission income of PLN mn 906 (+4% y/y) The net profit of the Alior Bank Group in 4Q 25 amounted to PLN mn 688 and increased by PLN mn 73 compared to the result from 4Q 24 The net profit of the Alior Bank Group in 2025 amounted to PLN bn 2.37 and was lower by PLN mn 78 compared to the result from 2024 Net profit adjusted for the impact of the revaluation of the net tax asset would amount to PLN mn 593 in 4Q 25 and PLN bn 2.27 in 2025 +73 (+12%) -49 (-1%) -55 (-4%) +415 (+20%)-78 (-3%) Total revenue (PLN mn) Net profit (PLN mn) 6 060 6 011 2024 2025 1 545 1 465 1 524 1 531 1 490 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25
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• In 4Q 25, the net profit amounted to PLN mn 687.7, which corresponded to a return on equity (ROE) ratio of 21.7% • Transactions on derivatives are less and less burdensome on the Bank's net interest income. Their impact in 4Q 25 amounted to PLN mn -29, for comparison, in 4Q 24, this impact amounted to PLN mn -102 and PLN mn -58 in 3Q 25 • In 4Q 25, the Bank recognized PLN mn 50 costs of legal risk due to 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 4Q 25, the Bank increased the value of the provision related to disputes arising from the so-called "Free Loan Sanction" by PLN mn 14 • The change in the CIT rate in 2026 resulted in a revaluation of receivables and liabilities due to deferred income taxes, which resulted in an increase in the Bank's net profit in 4Q 25 by PLN mn 94.6 INCOME STATEMENT PLN mn 4Q 24 3Q 25 4Q 25 % y/y y/y % q/q q/q 2024 2025 % y/y y/y Total Income 1 544,9 1 531,3 1 490,3 -4% -54,7 -3% -41,0 6 060,0 6 010,8 -1% -49,2 Net interest income 1 312,0 1 296,1 1 264,8 -4% -47,1 -2% -31,3 5 183,7 5 134,9 -1% -48,8 Net fee and commission income 221,1 233,9 240,2 9% 19,1 3% 6,3 867,0 905,7 4% 38,7 Other income 11,9 1,2 -14,8 - -26,7 -1303% -16,0 9,3 -29,8 - -39,1 Total costs -773,6 -804,6 -750,7 -3% 22,9 -7% 53,9 -2 862,2 -3 074,5 7% -212,3 General administrative expenses -585,9 -564,8 -565,2 -4% 20,7 0% -0,4 -2 117,6 -2 295,4 8% -177,8 Impairment of non-financial assets -0,3 -0,6 -12,6 - -12,3 2160% -12,1 -1,7 -13,9 706% -12,2 Net expected credit losses -99,0 -123,8 -50,5 -49% 48,5 -59% 73,4 -403,8 -328,1 -19% 75,7 Cost of fx mortgage legal risk -18,2 -41,4 -50,1 175% -31,9 21% -8,7 -59,4 -151,1 155% -91,8 Banking tax -70,2 -74,0 -72,3 3% -2,2 -2% 1,7 -279,7 -285,9 2% -6,2 Gross profit 771,3 726,7 739,5 -4% -31,8 2% 12,8 3 197,9 2 936,4 -8% -261,5 Income tax -156,2 -163,9 -51,8 -67% 104,4 -68% 112,0 -752,9 -569,3 -24% 183,5 Net profit 615,1 562,8 687,7 12% 72,6 22% 124,9 2 445,0 2 367,0 -3% -78,0 Net interest margin (NIM) 6,00% 5,61% 5,38% - -0,63 pp. - -0,23 p.p. 5,98% 5,60% - -0,38 pp. Cost of funding (CoF) 1,82% 1,73% 1,53% - -0,29 pp. - -0,2 p.p. 1,93% 1,72% - -0,21 pp. Cost of risk (CoR) 0,60% 0,72% 0,29% - -0,31 pp. - -0,43 p.p. 0,62% 0,49% - -0,13 pp. Cost / Income ratio (C/I) 37,9% 36,9% 37,9% - 0 pp. - +1 p.p. 34,9% 38,2% - +3,2 pp. Loan / Deposit ratio (L/D) 79,4% 80,2% 77,1% - -2,3 pp. - -3,1 p.p. 79,4% 77,1% - -2,3 pp. Return on equity (ROE) 22,3% 18,9% 21,7% - -0,6 pp. - +2,8 p.p. 23,9% 19,6% - -4,3 pp. Total Capital Ratio (TCR) 18,27% 17,65% 17,63% - -0,64 pp. - -0,02 p.p. 18,27% 17,63% - -0,64 pp.
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-62 5 246 2024 2025 1 385 1 341 1 324 1 311 1 240 -496 -485 -465 -447 -385 423 429 430 433 410 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Other Interest Income Interest Cost Loans Interest Income** * 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 PLN mn 86 and PLN mn 24 release of „credit moratoria” provisions in 3Q 24 Net interest income (PLN mn) 1 7701 808 1 6501 743 Interest margin and financing cost* -9% 1 754 -5% -2% VOLUME GROWTH AND LOWER COST OF FUNDS STABILIZE INTEREST INCOME, DESPITE AN INTEREST RATE DECLINE Interest income and expenses (PLN mn) Loan / Deposit Ratio -4% 7 234 6 918 5 184 5 135 -1%/-2%*** -4% -6% y/y -13% y/y ~0% y/y -10% y/y -22% y/y -3% y/y 1,82% 1,87% 1,74% 1,73% 1,53% 6,00% 5,88% 5,74% 5,61% 5,38% 5,41% 5,15% 5,54% 4,89% 5,09% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 CoF NIM NIM - CoR 1 312 1 285 1 289 1 296 1 265 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 79,4% 78,5% 78,5% 80,2% 77,1% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Effect of „credit moratoria” on NII 5 528 5 215 1 706 1 703 -2 050 -1 783 2024 2025
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25 18 19 21 20 -18 -14 -15 -18 -16 75 73 79 84 82 18 19 22 21 28 58 56 57 58 60 20 16 16 20 20 44 41 45 47 45 4Q 24 1Q 25 2Q 25 3Q 25 4Q 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) 209 222 234 Net Fees and Commissions Income (PLN mn)* 240 221 +4% y/y +9% y/y -17% y/y -14% y/y +1% y/y +3% y/y +60% y/y +3% • The increase in the result on fx transactions by PLN mn 7 y/y was mainly due to increased retail client activity • The decrease in the result on payment and credit card servicing by PLN mn 4 y/y resulted from a change in the method of creating provisions for card payment settlements, which results in a more even distribution of the costs of this activity between quarters in 2025. • The increase in brokerage commissions by PLN mn 10 y/y was mainly due to the growing volume of assets in investment funds and in the Individual Investment Advisory service, as well as the increase in the activity of retail customers transacting on the Warsaw Stock Exchange * Net fee and commission income in the period in 4Q 24 accounts for the presentation change in brokerage commissions +9% IMPROVED COMMISSION RESULT IN 4Q 25 (+9% Y/Y) 867 906 +4% +2% y/y +2% y/y +28% y/y -14% y/y -8% y/y -4% y/y +23% y/y 62 79 311 318 73 90 240 230 79 72 175 179 -72 -63 2024 2025
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327 335 315 312 302 177 144 159 178 188 82 62 65 64 65 75 11 11 11 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Employee expenses General and administrative costs* Amortization and depreciation Costs of Bank Guarantee Fund 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 fund **** y/y growth excluding BFG costs 565550616 -4% C/I ratio** - % y/y -21% y/y +6% y/y -8% y/y • In 4Q 25, operating costs amounted to PLN mn 565 and decreased by 4% (by PLN mn 21) compared to operating costs in 4Q 24, the decrease was mainly due to lower employee costs by PLN mn 25 and depreciation costs lower by PLN mn 17 (in 4Q 24 there was an accumulation of costs related to the creation of an additional holiday reserve and additional depreciation of capital expenditures). • The Bank's operating costs in 2025 increased by PLN mn 178 (+8% y/y) compared to the previous year, that is to PLN mn 2 295. The increase in operating costs was mainly influenced by an increase in the amount of BFG contributions (+PLN mn 67 y/y) and an increase in IT costs (+PLN mn 45 y/y). The increase in operating costs, adjusted for the impact of the cost of BFG contributions, amounted to +5% y/y in 2025. ~0% STABILIZATION OF OPERATING EXPENSES IN 2025 +164% y/y -6% y/y +18% y/y +2% y/y1 238 1 263 568 670 270 25541 107 2024 2025 2 295 2 118 38,6% 38,8% 37,1% 37,9% 39,0% 37,9% 42,0% 36,1% 36,9% 37,9% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 C/I normalized*** C/I reported+8%/+5%****
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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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2025: A BROADER RECOVERY AND RETURN TO THE INFLATION TARGET Source: GUS, NBP, Bloomberg, own analysis DAM Alior • In 2025, the economic recovery gradually accelerated. While in the first half of the year GDP growth averaged about 3.2% y/y, in the second half it was already close to 4% y/y. The full-year growth is 3.6% compared to 3% in 2024 • The economic situation was driven by domestic consumption (+3.9% y/y) and investment (+4.2% y/y). This meant a rebound compared to 2024, when domestic consumption played the main role (+4.4% y/y) and investment recorded negative dynamics (-0.9% y/y) • However, investment demand was in an early, unstable phase. Private sector spending on fixed assets accelerated only in the second half of the year, and the construction sector showed clearer signs of improvement only in the fourth quarter • An important element of the economic landscape was the recovery in Polish industry, where the economic situation accelerated over the year, and in the whole of 2025 an increase of 3% was recorded compared to 0.6% in 2024 • In the second half of 2025, inflation returned in a more sustained manner to the NBP inflation target (2.5% +/- 1 pp). This was facilitated, by among others the persistently low inflation in goods, which is due, among others to intensified industrial competition from China • In the conditions of rapidly decreasing inflation, it was possible to reduce interest rates. The MPC cut rates by a total of 175 bps over the year, including the main rate from 5.75% to 4.00% NBP rate lowered to 4% Investments accompany consumption Inflation back on target 0 5 10 15 20 Dec-21 Jun-22 Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Dec-25 CPI, Poland (%, y/y) Inflacja bazowa (%, r/r) Inflacja CPI (%, r/r) 2,5% 4,6 -… 6,9 5,3 0,2 3,0 3,6 -5,0 0,0 5,0 10,0 2019 2020 2021 2022 2023 2024 2025 Change in GDP (real, %, y/y) and it’s composition (p.p.), Poland konsumpcja GD spożycie publiczne inwestycje zapasy eksport netto PKB 0 5 10 15 Feb-06 Feb-10 Feb-14 Feb-18 Feb-22 Feb-26 Rate in the CEE region (base, %) Poland, Hungary, Czechia NBP MNB CNB inventory household consumption public spending net export investments GDP Core inflation (%, y/y) CPI (%, y/y)
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SIGNALS OF INDUSTRIAL AWAKENING IN THE EUROZONE DESPITE CUSTOMS WARS Source: Bloomberg, own analysis DAM Alior • In 2025, the EU's economic growth accelerated to around 1.6% from 1.1% in 2024 and is expected to remain at a similar level in 2026 • Poland remains one of the leaders in GDP growth in the EU. Of the largest economies, Spain once again stood out positively (nearly 3% growth), while Germany (+0.2%) stood out negatively • EU exports, including Germany, in the second half of 2025 were under pressure from higher tariffs imposed by the US on goods from the EU and increased Chinese competition. Nevertheless, cyclical factors and the planned significant fiscal stimulation in Germany support the economic situation in industry, and at the end of 2025 the first signs of the German sector recovering from the crisis appeared • The Polish industrial sector has a significant exposure to exports to Germany, and more broadly to the EU. The stabilization of the recovery in the EU and the expected acceleration in Germany is a factor supporting Polish's economic prospects • At the same time, consumer inflation in the EU and the Eurozone returned to the target (2%) during 2025. With the prospect of a continued moderate recovery and stabilization of inflation, the ECB is also stabilizing interest rates from mid-2025 onwards Rate cuts in Europe have slowed down The Polish economy stands out positively within the EU Signs of recovery in German industry 0,0 0,5 1,0 1,5 2,0 2,5 3,0 3,5 4,0 Polska Cypr Bułgaria Hiszpania Chorwacja Czechy Dania Litwa Grecja Portugalia Holandia Szwecja Łotwa Belgia Rumunia Słowenia Francja Słowacja Luksemburg Austria Włochy Estonia Węgry Niemcy Finlandia GDP growth in 2025 (%) 80 85 90 95 100 105 110 Dec-21 Jun-22 Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Dec-25 New orders in industry, Germany 2021=100, ceny stałe średnia 3m -1 4 9 14 Feb-06 Feb-10 Feb-14 Feb-18 Feb-22 Feb-26 Interest rates Polska Węgry Czechy USA Strefa euro Poland Cyprus Bulgaria Spain Croatia Czechia Denmark Lithuania Greece Portugal Holland Sweden Latvia Belgium Romania Slovenia France Slovakia Luxembourg Austria Italy Estonia Hungary Germany Finland Hungary CzechiaPoland EurozoneUSA 2021=100, constant prices average 3M
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2026: ECONOMIC ACCELERATION WITHOUT INFLATIONARY PRESSURE ACCOMPANIED BY LOWER INTEREST RATES Source: GUS, NBP, own analysis DAM Alior Accelerating investments will support the economic situation Rates even lower thanks to favorable inflation conditions • The economic recovery in Poland in 2026 will accelerate slightly and be more complete. We expect GDP to grow by 3.8% vs. 3.6% in 2025. • Economic growth will be characterized by a stabilization of the recovery in private consumption (+3.4%) and a marked acceleration in investment demand (nearly +9%), among others supported by the spending of EU funds. The situation in foreign demand should continue to improve • The labor market has "loosened" slightly in 2025. On the one hand, entrepreneurs are more cautious about hiring due to increased wage cost pressure, and on the other hand, demographic issues are eroding the labor supply. The unemployment rate at the end of 2026 will be similar to that at the end of 2025 (5.7%) • Nominal wage growth will normalize (below 7% on average), after a period of significant increases • Inflation will remain in the range of deviations from the target (2.5% +/- 1 pp). In 2026, we still see chances for surprises with lower-than-forecasted inflation. In such an environment, we see the potential for further cuts in NBP interest rates, by a total of 75 bps throughout 2026. • In 2026, we expect a moderate acceleration in lending, which will be supported by lower interest rates and a favorable economic situation. We expect an increase in the value of total loans by 6.9% y/y, mortgage loans (PLN) by 8.6% y/y, consumer loans by 6.9%, and corporate loans by 8.3% 6,9 5,3 0,2 3,0 3,6 3,8 3,3 -5 0 5 10 15 2021 2022 2023 2024 2025 2026P 2027P GDP growth with main components, Poland Inwestycje (realnie, %, r/r) Konsumpcja prywatna (realnie, %, r/r) PKB (realnie, %, r/r) 2,6 2,3 1,75 6,75 5,75 5,75 4,00 3,25 3,25 0 2 4 6 8 10 12 14 16 2021 2022 2023 2024 2025 2026P 2027P CPI and interest rates, Poland Inflacja CPI - średnio (%, r/r) Stopa bazowa NBP - koniec okresu (%) 2024 2025 2026P 2027P Economic indicators GDP (real, %, y/y) 3.0 3.6 3.8 3.3 Investments (real, %, y/y) -0.9 4.2 8.9 3.9 Private consumption (real, %, y/y) 2.9 3.7 3.4 3.1 CPI (average, %, y/y) 3.6 3.6 2.6 2.3 Unemployment rate (average, %) 5.1 5.4 5.8 5.7 NBP base rate (EoP, %) 5.75 4.00 3.25 3.25 Banking sector (volumes, %, y/y) Total loans 3.4 5.7 6.9 5.8 Residential mortgages (PLN) 8.4 7.9 8.6 7.2 Consumer 5.7 8.1 6.9 6.2 Corporate 4.8 8.9 8.3 6.6 Total deposits 7.9 9.7 7.9 7.1 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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SELECTED ACHIEVEMENTS IN 4Q 25 Alior Bank has embarked on the largest transformation of its work model in its history – at the first stage, 1300 people involved in the creation and development of all the bank's products and services fully switched to an agile work methodology. This will speed up the response to customer needs, increase efficiency and open up space for experimentation. Alior Bank has started strategic cooperation with the global leader in marketing technology, Adobe and implementation partner Dentsu Polska in order to launch a new campaign platform based on the Adobe Experience Platform. This is another step in the bank's digital transformation, aimed at improving communication with customers and at the same time achieving the goals of the "Alior Bank. Or nothing” strategy. The Supervisory Board and the Management Board, headed by Wojciech Kostrzewa and Piotr Żabski, officially opened the new office in Varso Tower. This is a new chapter in the history of our bank. The new headquarters combines modernity with functionality, which is productive to development and innovation. Alior Bank took 3rd place in the ranking of Forbes Polska magazine "Company Friendly Bank". Thus, the Bank moved up two places compared to last year.
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NEW OPENING - ALIOR MOBILE AND ALIOR BUSINESS Alior Bank has introduced to customers a new version of the Alior Mobile app. The implementation of the refreshed app is the next step in the implementation of the strategy of "Alior Bank. Or nothing" and in consistently increasing innovation and digitization of services. Alior Mobile The changes were presented during a press conference in the newest branch in Varso Tower. Alior Bank has introduced to business customers the new Alior Business online banking system and the Alior Business Mobile app, which replace the existing BusinessPro and BusinessPro Lite solutions. Alior Business and Alior Business Mobile The new version of Alior Business and Alior Business Mobile was presented during a press conference.
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WE CONTINUE ACTIONS SUPPORTING THE ACQUISITION OF CLIENTS AND THE BANK'S IMAGE campaign promoting new Alior Konto Plus ▪ launch in mid-January 2026 ▪ the campaign supports the goal of new acquisitions 1 new version of the portal www.aliorbank.pl2 ▪ planned implementation in mid-April ▪ refinement of usability and visual hierarchy for a better customer experience, visual refresh accounting for the latest trends
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Alior TFI ALIOR BANK'S INVESTMENT SERVICES Alior Bank’s Brokerage House 72,8 89,7 2024 2025 17,7 18,9 21,6 21,0 28,2 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 In 2025, the brokerage house's commission result was 23% higher than a year earlier and reached nearly PLN mn 90. In 4Q 25 alone, it was over PLN mn 28 (+60% y/y). Particularly high growth is recorded in open-ended funds (FIO) and Investment Advisory assets and in the number of new IKE/IKZE accounts. ▪ The number of brokerage accounts exceeded 96.6k (+3.2% y/y) ▪ The number of IKE/IKZE accounts (brokerage and Alior TFI funds) was 14.4k (+37% y/y) ▪ The number of Alior Trader accounts was 8.5k (+3.8% y/y) ▪ Assets in Individual Advisory PLN bn 3.0 (+64% y/y) ▪ Assets in Open-end Investment Funds PLN bn 7.9 (+49% y/y) ▪ Sales of Structured Products YTD (gross) PLN mn 465 (-24% y/y) Basic Operating Data: Net brokerage commissions (PLN mn) +60%+23% 292 312 334 358 385 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Assets under management in Alior TFI’s open funds (PLN bn) Assets under management in non- dedicated funds* in Poland (PLN bn) In 4Q 25 Alior TFI maintained a high level of sales of investment funds. In 4Q 25, net inflows to funds amounted to PLN mn 306, and at the end of 2025, TFI reached assets of PLN bn 4.76. The largest inflows were recorded in funds with a relatively low risk profile, Ostrożny and Konserwatywny, as well as in recently opened bond funds in foreign currencies: Euro Obligacji and Dolar Obligacji. +48% y/y +32% y/y Over the last 12 months, the growth rate of Alior TFI's AuM level has been greater than the growth of the market. In 4Q 25 alone, Alior TFI's assets grew similarly to the market, i.e., +8%. Alior TFI's share in market assets has grown from 1.1% to 1.2% over the last 12 months. 3,22 3,59 3,81 4,40 4,76 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 * Non-dedicated funds – funds addressed to a broader range of investors
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554 1 640 415 4 743 4 239 3 958 2 455 2 409 2 323 2 788 3 211 3 129 7 730 7 752 7 411 6 577 6 964 7 147 4Q 24 3Q 25 4Q 25 Reverse Repo/BSB Micro Small Medium Large Alior Leasing 20 545 20 763 20 862 20 539 22 316 23 004 4Q 24 3Q 25 4Q 25 Consumer loans Loans for real estate 41 084 43 079 43 866 24 848 26 215 24 384 4Q 24 3Q 25 4Q 25 Retail Segment Corporate Segment Business Customer Segment* (PLN mn) 26 215 Retail Customer Segment (PLN mn) 24 38443 86643 079 Loan portfolio in total (PLN mn) +4% -2% 68 25069 29465 932 Structure of the total loan portfolio 24 848 -2%/-1%** STABLE GROWTH OF THE GROSS LOAN PORTFOLIO 41 084 +7% +2% -7%/-2%** Structure of the Retail Customer portfolio Structure of the Business Customer portfolio 62% 63% 63% 62% 64% 38% 37% 37% 38% 36% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Retail Segment Corporate Segment 19% 19% 18% 16% 16% 10% 10% 10% 9% 10% 11% 12% 13% 12% 13% 31% 31% 31% 30% 30% 26% 27% 27% 27% 29% 2% 2% 1% 6% 2% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Micro Small Medium Large Alior Leasing Reverse Repo/BSB 50,0% 49,7% 48,9% 48,2% 47,6% 50,0% 50,3% 51,1% 51,8% 52,4% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Consumer loans Loans for real estate * Managerial presentation ** without Reverse Repo / BSB transactions
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15 016 14 243 15 636 7 390 8 586 7 536 358 355 336 4Q 24 3Q 25 4Q 25 Depozyty bieżące Depozyty terminowe Pozostałe 38 777 41 656 43 138 15 101 15 434 15 679295 312 296 4Q 24 3Q 25 4Q 25 Current deposits Term deposits Other liabilities 38 777 41 656 43 138 15 016 14 243 15 636 15 101 15 434 15 679 7 390 8 586 7 536 653 667 632 4Q 24 3Q 25 4Q 25 Current deposits (Retail) Current deposits (Corpo) Term deposits (Retail) Term deposits (Corpo) Other Structure of net liabilities to Customers 76 937 82 621 Structure of main liabilities 80 586 Net liabilities structure - Retail Segment Net liabilities structure - Business Segment 59 11357 40254 172 22 765 23 50823 184 Structure of main liabilities - Retail Segment Structure of main liabilities - Business Segment +7% +3% +9% +3% +3% +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% 71% 69% 69% 71% 29% 29% 30% 30% 28% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Current deposits Term deposits 72% 73% 73% 73% 73% 28% 27% 27% 27% 27% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Current deposits Term deposits 66% 65% 60% 61% 67% 32% 33% 39% 37% 32% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Depozyty bieżące Depozyty terminowe
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33,9 36,4 35,2 38,0 39,8 42,7 22,3 21,8 22,4 23,0 22,9 22,7 2020 2021 2022 2023 2024 2025 Retail Loans Corporate Loans 56,2 58,2 57,6 61,0 62,7 65,5 15,7 16,1 17,0 18,8 23,6 26,56,7 8,7 8,3 10,3 7,0 9,8 2020 2021 2022 2023 2024 2025 Loans and advances to customers Financial assets Other assets Receivables from Customers (net) +4% +16% 56,2 58,2 57,6 61,0 65,5 +7% YTD -1% YTD Alior Bank Group assets +4% YTD +12% YTD 93,390,1 82,983,078,6 +9% +29% +41% YTD 101,8 62,7 ASSET STRUCTURE OF ALIOR BANK GROUP (PLN BN)
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37,2 42,6 35,1 36,3 38,8 43,1 16,4 17,3 13,9 14,2 15,0 15,6 7,2 5,7 15,0 14,1 15,1 15,7 4,3 5,4 5,5 7,9 7,4 7,5 0,6 0,5 0,5 0,5 0,7 0,6 2020 2021 2022 2023 2024 2025 Current deposits (Retail) Current deposits (Corpo) Term deposits (Retail) Term deposits (Corpo) Other 6,6 5,9 6,2 9,2 11,2 13,0 65,8 71,5 70,0 73,1 76,9 82,6 6,3 5,6 6,7 7,8 5,2 6,2 2020 2021 2022 2023 2024 2025 Equity Amounts due to customers Other liabilities 65,8 71,5 70,0 73,1 76,9 +2% YTD +4% YTD +4% YTD +11% YTD +7% +26% -3% YTD Liabilities to Customers*Alior Bank Group liabilities 93,390,1 82,983,0 78,6 +9% +29% +20% YTD +16% YTD +7% 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. 101,8 82,6 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) 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 % q/q q/q % y/y y/y Total assets 93 293,5 96 589,4 99 467,6 97 742,1 101 775,0 4% 4 032,9 9% 8 481,5 Cash and cash equivalents 2 123,4 5 357,5 5 530,4 3 382,7 4 062,9 20% 680,2 91% 1 939,6 Amounts due from banks 1 821,6 2 028,6 1 429,4 878,3 2 203,1 151% 1 324,8 21% 381,5 Debt securities and derivatives 23 602,9 22 190,9 23 419,4 24 398,4 26 509,3 9% 2 111,0 12% 2 906,4 Derivative hedging instruments 274,7 393,2 491,3 409,8 659,6 61% 249,8 140% 384,9 Loans and advances to customers 62 736,0 63 138,4 63 913,1 66 135,8 65 451,5 -1% -684,3 4% 2 715,5 Assets pledged as collateral 18,0 972,6 2 196,6 18,3 0,0 -100% -18,3 -100% -18,0 Property, plant and equipment 697,8 672,8 641,9 643,4 829,1 29% 185,7 19% 131,4 Intangible assets 471,9 474,2 487,8 508,2 551,0 8% 42,8 17% 79,1 Income tax asset 823,2 736,5 687,3 710,2 724,1 2% 13,9 -12% -99,1 Other assets 724,1 624,8 670,4 657,1 784,4 19% 127,3 8% 60,3 Total liabilities and equity 82 086,8 84 746,1 87 977,8 85 581,2 88 792,0 4% 3 210,8 8% 6 705,3 Amounts due to banks 160,1 1 179,7 2 337,0 254,8 589,2 131% 334,4 268% 429,1 Amounts due to customers 76 936,6 78 464,6 79 590,6 80 585,5 82 620,6 3% 2 035,1 7% 5 684,0 Financial liabilities 196,5 240,5 314,5 201,0 327,1 63% 126,1 67% 130,7 Derivative hedging instruments 450,4 315,8 217,3 142,7 69,0 -52% -73,7 -85% -381,3 Fair value changes of the hedged items in portfolio hedge -53,0 32,7 105,8 102,8 202,1 97% 99,3 -481% 255,1 Provisions 321,8 324,2 354,9 375,4 404,0 8% 28,6 26% 82,2 Other liabilities 1 708,4 2 227,5 3 105,3 1 818,9 2 039,7 12% 220,8 19% 331,3 Income tax liabilities 279,0 40,0 106,6 210,4 218,4 4% 8,0 -22% -60,6 Liabilities from the issuance of debt securities 2 087,0 1 921,0 1 846,0 1 889,5 2 321,9 23% 432,4 11% 234,9 Equity 11 206,7 11 843,3 11 489,8 12 160,9 12 983,0 7% 822,1 16% 1 776,3 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 8 655,3 8 655,3 8 655,3 0% 0,0 16% 1 217,2 Revaluation reserve -197,2 -37,0 169,1 277,4 407,6 47% 130,3 - 604,8 Other reserves 161,8 161,8 161,8 161,8 161,8 0% 0,0 0% 0,0 Foreign currency translation differences 0,3 0,0 0,0 0,0 0,0 - 0,0 -100% -0,3 Accumulated losses 53,2 2 498,6 81,6 81,6 85,7 5% 4,1 61% 32,5 Profit for the period 2445,0 476,3 1116,5 1679,4 2 367,0 41% 687,7 -3% -78,0 Total liabilities and equity 93 293,5 96 589,4 99 467,6 97 742,1 101 775,0 4% 4 032,9 9% 8 481,5
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388 598 988 2 066 1 640 682 605 743 983 1 316 1 278 1 420 1 602 1 693 1 489 1 379 1 571 1 679 1 632 2 007 2 186 2 101 2 025 1 965 727 1 171 1 422 1 910 1 346 1 181 1 138 1 704 1 279 1 301 1 318 1 835 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Mortgage Loan Cash Loan Consumer Finance Loan 3 069 2 833 1 999 2 891 2 446 2 347 1 885 2 432 2 184 2 769 2 521 2 773 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 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 +8% y/y +91% y/y +17% +13% 3 462 3 899 5 355 4 557 3 542 3 375 4 455 4 448 -2% y/y NEW SALE OF LOANS (PLN MN) 4 717 +14% +10% 4 621 5 219
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6 609 6 569 6 425 6 304 6 236 497 486 480 474 479 4Q24 1Q 25 2Q 25 3Q 25 4Q25 Alior Bank Subsidiaries 331 318 319 318 311 176 175 168 168 168 4Q24 1Q 25 2Q 25 3Q 25 4Q25 Branches* Agencies 4 357 4 363 4 381 4 403 4 468 249 251 250 251 252 4Q24 1Q 25 2Q 25 3Q 25 4Q25 Corporate Segment Client Retail Segment Client -390 -5% 6 715 7 055 6 906 6 779 493 487 479507 7 106 -28 -6%-63 -1% -7 -1% Number of customers (k) +115 +2% +67 +1% 4 7204 605 4 613 4 631 4 654 +3% y/y +1% y/y -6% y/y -4% y/y -6% 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 9,9% PKO BP Bankowy OFE 3,9% Generali OFE 5,1% Vienna OFE 2,7% Uniqa OFE 1,9% Allianz OFE 8,8% Pocztylion-Arka OFE 0,6% Other 35,1% OFE 33,0% Alior Bank’s shares are part of the following stock indices: Alior Bank share price: PLN 110.45 (data as of December 31, 2025) Capitalization: PLN bn 14.4 Value of shares in free float: PLN bn 6.4 P/BV**: 1.1x P/E***: 6.1x 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: 20.5 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 • CEEplus • WIG140 • WIGFIN* Based on public announcements and the annual structure of OFE [Open Pension Fund]and DFE [Voluntary Pension Fund] assets as on 31.12.2025 ** based on the equity of the Alior Bank Group as of 31.12.2025 *** based on the reported net profit of the Alior Bank Group for 2025 +28.5% y/y +55.3% y/y +47.3% y/y +45.3% y/y ALIOR BANK S.A. – STOCK PERFORMANCE, SHAREHOLDING STRUCTURE, RATINGS 80 90 100 110 120 130 140 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25
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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: • Results for 1Q 26 – April 28, 2026 • Results for 1H 26 – August 4, 2026 • Results for 3Q 26 – October 27, 2026 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 2025. 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