Slides
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ALIOR BANK S.A. | AUGUST 4, 2026 PRESENTATION OF RESULTS FOR 1H 2026
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AGENDA 2 3 4 5 Operating activities Credit risk Financial results Other issues ▪ Retail customers ▪ Business customers 1 Introduction – key results
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1 INTRODUCTION
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KEY RESULTS OF ALIOR BANK GROUP IN 2Q 26 PLN BN 1.52 IN REVENUE* ~0% 2Q 26 / 2Q 25 PLN MN 463 IN PROFIT* -28% 2Q 26 / 2Q 25 11.5% RoE -10.5 pp. 40.3% C/I +4.3 pp. 5.16% NPL -1.02 pp. 2Q 26 / 2Q 25 17.57% TCR +0.60 pp. 0.74% CoR +0.54 pp. 4.50% NIM -1.24 pp. Key indicators Sales of mortgage loans granted to retail customers amounted to nearly PLN bn 2 in 2Q 26 Total new sales in the retail customer segment amounted to PLN bn 5.3 in 2Q 26 The number of relational retail customers stood at 1.74 million at the end of June 2026 The number of mobile app users at the end of June 2026 was 1.84 million. Alior Leasing's sales reached PLN bn 1.06 in 2Q 26. Issue of SNP bonds with an interest rate of WIBOR6M +1.6% The Bank's operating costs (adjusted for the cost of the BFG contribution) amounted to PLN mn 551 in 2Q 26. The Bank paid a dividend from the net profit for 2025 in the amount of PLN 8.93 per share +48% +6% +21% +30% PLN bn 0.8 +2% PLN bn 1.1 GROWTH IN THE SCALE OF OPERATIONS HIGH RESILIENCE AND OPERATIONAL EXCELLENCE PLN BN 1.37 IN REVENUE -10% 2Q 26 / 2Q 25 PLN MN 367 IN PROFIT -43% 2Q 26 / 2Q 25 * Net income and profit without taking into account the adjustment of net interest income, which is a consequence of the CJEU's judgment of April 23, 2026, resulting in an update of the expected cash flow estimates by excluding interest accrued on loans on non-interest expenses, while maintaining the original effective interest rate. The impact of the adjustment on revenues is PLN mn 153.2, and on net profit it’s PLN mn 96.5. +12%
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BASIC VOLUME DATE 99,5 97,7 101,8 104,7 106,6 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 79,6 80,6 82,6 85,4 86,9 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 62,5 63,2 63,9 65,7 66,2 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Assets Deposits*Performing loans** 64.3% Share of net loans in assets +9% Increase in equity of the Alior Bank Group y/y +31% Growth of assets under management of Alior TFI y/y +14% Growth of retail deposits y/y35.3% Share of mortgage loans in total loans 5.16% Non-performing loans (NPLs) in the portfolio, down by 1 pp. y/y +7.2 PLN bn (+7%) +7.3 PLN bn (+9%)+3.6 PLN bn (+6%) (PLN bn) (PLN bn)(PLN bn) In the second quarter of 2026, Alior Bank continued stable growth in the scale of its operations, while maintaining a conservative risk management approach. * Liabilities due to customers ** Gross loan volume qualified for stage 1 and 2, excluding Repo/ BuySellBack transactions
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2 OPERATING ACTIVITIES
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GROWTH OF LOAN SALES TO RETAIL CUSTOMERS +0.64 PLN bn (+48%) -0.05 PLN bn (-2%) 2,10 2,02 1,96 2,31 2,34 1,30 1,32 1,83 1,14 1,01 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3,40 3,34 3,80 3,45 3,35 1,32 1,28 1,42 1,81 1,95 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 We are recording a dynamic increase in mortgage loan sales, while maintaining stable sales results of other credit products of the retail customer segment. Consumer Finance Loan Cash Loan Mortgage loans (PLN bn) Sale of non-mortgage loans(PLN bn) -23% y/y +11% y/y RETAIL CUSTOMERS
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BALANCE OF LOANS AND DEPOSITS RETAIL CUSTOMER SEGMENT 21,6 22,3 23,0 24,1 25,2 20,7 20,8 20,9 20,8 20,1 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 42,3 43,1 43,9 44,8 45,3 Loans for real estate Consumer loans 41,2 41,7 43,1 46,3 47,4 15,1 15,4 15,7 16,3 16,6 6,3 7,4 8,0 8,1 8,67,0 7,0 7,2 7,4 7,6 0,3 0,4 0,3 0,4 0,4 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 69,9 71,8 74,3 78,4 80,5 Current accounts Term deposits Investment Funds Financial instruments on brokerage accounts Bank Securities issues and other +3.0 PLN bn (+7%) +10.6 PLN bn (+15%) Balance of gross loans to retail customers (PLN bn) Balance of assets of retail customers (PLN bn) RETAIL CUSTOMERS
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Number of relational Customers (mn)1,64 1,68 1,70 1,73 1,75 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Number of Mobile App users (mn) Number of new current accounts - RORs (k) 42,3 54,7 45,4 42,8 48,2 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 40,0% 40,7% 42,6% 43,6% 43,8% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Share of e2e sales initiated in the mobile channel (%) +0.11 mn (+7%) 1,52 1,59 1,67 1,77 1,84 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 +0.32 mn (+21%) +3.8 pp. SIGNIFICANT INCREASE IN THE NUMBER OF CUSTOMERS AND CURRENT ACCOUNTS (ROR) DEVELOPMENT OF THE MOBILE APP RETAIL CUSTOMERS +5.9 k (+14%)
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21,6 21,0 28,2 28,6 31,7 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2,54 2,97 3,21 3,31 3,55 6,96 7,01 7,16 7,41 7,58 3,81 4,40 4,76 4,80 5,01 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 13,30 14,38 15,13 15,51 16,13 +10.1 mln PLN (+47%)+2.8 PLN bn (+21%) Number of brokerage accounts >98.9 k +4.1% y/y 8.5 bn +36% y/y 469 mn +176% y/y Assets in Open-end Investment Funds Sale of structured products YTD INVESTMENT SERVICES OF ALIOR BANK GROUP Balance of Customers’ assets – investments (PLN bn) Net brokerage commissions of Alior Bank’s Brokerage House (PLN mn) RETAIL CUSTOMERS Other TFIFinancial instruments on securities accountsAlior TFI +31% y/y +9% y/y +40% y/y
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ALIOR MOBILE IS BECOMING AN IMPORTANT CHANNEL FOR SERVING INVESTMENT PRODUCTS Digital Investments Open-end funds: New view of the portfolio of investment funds along with the transaction history IKE/IKZE: view of information on Alior IKE/IKZE pension products with details of registers and history Sale of funds Transactions on investment funds directly through the app Presentation of the annual deposit limit for Alior IKE/IKZE Fund top-up Ability to conveniently manage your investments 04.2026 05.2026 06.2026 Increase in the number of investment surveys New brokerage accounts launched through the app Payments into investment fund registers carried out through Alior Mobile *service available 06.2026 +38% +49% +30% RETAIL CUSTOMERS
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BALANCE OF LOANS AND DEPOSITS OF THE BUSINESS CUSTOMER SEGMENT 18,4 18,4 17,7 18,3 17,8 6,0 6,2 6,3 6,5 6,8 1,6 2,2 1,50,3 2Q 25 3Q 25 0,4 4Q 25 1Q 26 2Q 26 24,7 26,2 24,4 27,0 26,1 Loans Leasing BuySellBack +1.4 PLN bn (+6%) wo BSB +0.2 PLN bn (+1%) Improvement in the structure of deposits – the growing share of the current deposit balance has a positive impact on the cost of financing -0.4 PLN bn (-2%) 8,9 14,1 2Q 25 8,6 14,6 3Q 25 7,5 16,0 4Q 25 7,9 14,7 1Q 26 7,4 15,2 2Q 26 23,0 23,2 23,5 22,5 22,6 Deposits of business customers (PLN bn)Gross loan products to business customers (PLN bn) -17% y/y +8% y/y +434% y/y Term deposits Current and other -3% y/y +12% y/y BUSINESS CUSTOMERS
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QUALITY OF THE LOAN PORTFOLIO OF THE BUSINESS CUSTOMER SEGMENT -0.5 PLN bn (-3%) 15,9 2,5 2Q 25 15,8 2,7 3Q 25 15,4 2,3 4Q 25 16,0 2,2 1Q 26 15,7 2,1 2Q 26 18,4 18,4 17,7 18,3 17,8 Performing loans Non-performing loans (NPL - Stage 3) -0.6 PLN bn (-3%) 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 6,9 6,8 6,6 7,0 6,7 4,1 3,9 4,0 3,9 3,7 3,9 3,7 4,1 3,5 4,1 14,9 14,7 14,2 14,8 14,4 Improvement in the portfolio structure: non-performing loans at the end of 2Q 26 fell to PLN bn 2.1, i.e. 16% y/y The balance of performing loans of the SME segment increased its share in the portfolio of Micro / SME / Large loans from 26% 2Q 25 to 28.5% in 2Q 26 Loan balance Micro / SME / Large (PLN bn) Performing portfolio (managerial presentation)Gross loans to business customers* (PLN bn) BUSINESS CUSTOMERS * Portfolio of credit and loans, excluding leasing and BuySellBack transactions -1% y/y -16% y/y -15% y/y -2% y/y +6% y/y MicroSMELarge
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GROWTH IN THE BUSINESS CUSTOMER SEGMENT +0.2 k (+5%) Number of new current accounts (k) BUSINESS CUSTOMERS The share of relational business customers using digital banking at the end of 2Q 26 was 82.1% The online share in the sales of accounts once again reached a high level and amounted to 65% in 2Q 26 3,8 3,9 3,9 4,7 4,0 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26
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RESULTS OF ALIOR LEASING +246 PLN mn (+30%) +931 PLN mn (+14%) 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 0,82 0,85 0,96 0,94 1,06 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 6,8 7,0 7,1 7,4 7,7 Leasing sales in 2Q 26 was the highest ever. The share of individual asset classes remains stable. The company's share in lease financing increased by 0.6 pp. to 3.3%, compared to 2.7% in January- May 2025. The share is growing in all asset categories, especially in vehicles over 3.5t, where an increase in the market by 1.0 pp. was recorded. (the share in I-V 2026 was 6.5%), a high increase in the share of machinery and equipment was also recorded by 0.7 pp. (a share of 3.1%), in vehicles up to 3.5t. The share increased by 0.3 pp. (a share of 2.5%) 42,2% 37,7% 20,1% MachineryVehicles over 3.5tVehicles up to 3.5t Leasing sales by asset class (2Q 26) Leasing and loan portfolio* (PLN bn)Sale of leases and loans (PLN bn) BUSINESS CUSTOMERS * Portfolio of leases and lease loans granted by Alior Leasing
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REWARDS AND DISTINCTIONS Alior Bank took 2nd place in the "Star of Finance" category in the prestigious "Banking Star 2026" ranking, organized by "Dziennik Gazeta Prawna" and Boston Consulting Group. The distinction, based on an analysis of financial results and business efficiency, confirms the effective implementation of our strategy and Alior Bank's strong position in the Polish financial sector. Alior Bank's Internal Communication Team won three distinctions in the IC Business Partner competition: 3rd place for Paweł Bednarz in the "Director / Manager of the Internal Communication Team" category, 3rd place for AliorNet in the "Digital Internal Communication Tool" category and a distinction for the Internal Communication Team. The jury appreciated the partnership cooperation with business and the Management Board, building dialogue and solutions that support the efficient functioning of the organization. Alior Bank has received a certificate from the Responsible Business Forum, confirming its presence among the most forward-looking employers in Poland in the area of diversity and inclusion management. The award confirms consistent efforts to build a working environment based on respect, openness, and equal opportunities for all employees. 2nd place in the Banking Stars 2026 ranking Three distinctions in the IC Business Partner 2026 competition Responsible Business Forum Certificate
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3 CREDIT RISK
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STABLE AND SAFE POSITION OF THE BANK: CAPITAL AND LIQUIDITY SURPLUS WELL ABOVE REGULATORY MINIMUMS * Current regulatory minimum (Tier 1 / TCR): CRR minimum (6% / 8%) + conservation buffer (2.5%) + countercyclical buffer (1,01%). Additionally, the Group received a recommendation from the PFSA (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% 227% 146% 2Q 25 214% 146% 3Q 25 245% 149% 4Q 25 236% 152% 1Q 26 258% 152% 2Q 26 LCR NSFR 20,07% 16,97% 2Q 25 20,75% 17,65% 3Q 25 21,43% 17,63% 4Q 25 21,60% 17,85% 1Q 26 21,72% 17,57% 2Q 26 MREL TREA TCR / CET1 / TIER1 Regulatory ratios of Alior Bank Group Liquidity ratios of Alior Bank Group Tier 1 and TCR ratios at the end of June 2026 significantly exceed the regulatory minimums*, respectively: 806 bps (PLN bn 5.1) and 606 bps. (PLN bn 3.8). The consolidated MREL TREA ratio of Alior Bank Group at the end of June 2026 was 21.72% (285 bps above the requirement**). In 2Q 26 the Bank issued Series T Senior Non-Preferred (4NC3) bonds with a value of PLN mn 800 and an interest rate of WIBOR6M +1.6% In the same period, the Bank carried out an early redemption of Series N bonds worth PLN mn 450 with a WIBOR 6M interest rate and a margin of 2.81%.
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The cost of risk ratio (CoR%) in the first half of 2026 was 0.71%, in line with the Bank’s previous communication. The CoR level in 2Q 26 was due to the recognition of impairment losses on the Business Customer Segment and lower profit from NPL portfolio sale. The Bank does not observe any negative trends in the loan portfolio, despite the demanding external environment (including essentially macroeconomic and geopolitical). 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, reaching at the end of 2Q 26 a ratio of 5.16%. The path to reduce 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% 2019 2,80% 2020 1,60% 2021 1,51% 2022 0,98% 2023 0,62% 2024 0,49% 2025 0,71% 1-2Q 26 13,16% 2019 14,48% 2020 11,77% 2021 9,80% 2022 8,58% 2023 6,81% 2024 5,64% 2025 5,16% 2Q 26 Alior Bank Group – NPL ratio Alior Bank Group – cost of risk (CoR%)
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Cost of Risk – CoR%** CONSISTENT IMPROVEMENT OF CREDIT RISK * Managerial presentation ** By quarter (QTD) 3,94 4,16 3,62 3,64 3,37 6,18% 2Q 25 6,29% 3Q 25 5,64% 4Q 25 5,39% 1Q 26 5,16% 2Q 26 Stage 3 NPL Ratio (%) Impaired loans (PLN bn) NPL reserve coverage ratio* 51,9% 2Q 25 52,7% 3Q 25 50,4% 4Q 25 51,4% 1Q 26 50,7% 2Q 26 0,20% 2Q 25 0,72% 3Q 25 0,29% 4Q 25 0,67% 1Q 26 0,74% 2Q 26 Impaired loans – segments 2,67% 12,41% 2Q 25 2,78% 12,95% 3Q 25 2,30% 11,90% 4Q 25 2,41% 11,35% 1Q 26 2,10% 11,18% 2Q 26 Retail Segment Corporate Segment (excl. BSB / Repo) NPL provision coverage* – segments 59,4% 49,1% 2Q 25 59,7% 50,1% 3Q 25 59,3% 47,2% 4Q 25 59,9% 48,2% 1Q 26 58,2% 48,1% 2Q 26 Retail Segment Corporate Segment CoR% – segments** -0,13% 0,78% 2Q 25 0,62% 0,89% 3Q 25 -0,10% 0,96% 4Q 25 0,77% 0,49% 1Q 26 0,01% 1,98% 2Q 26 Retail Segment Corporate Segment
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4 FINANCIAL RESULTS
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DESPITE A DECREASE IN INTEREST RATES, THE BANK GENERATES A STABLE STREAM OF INCOME 240 3222 234 1 265 221 241 1 289 1 296 1 248 1 276 -15312 2Q 25 1 3Q 25 -15 4Q 25 29 1Q 26 2Q 26 1 524 1 531 1 490 1 498 1 366 Total revenue (PLN mn) 432 2 574 462 2 524 -16 IH 25 -153 31 IH 26 2 989 2 864 CJEU adjustment Net interest income Net fee and commission income Other income -% y/y -2% y/y +7% y/y -79% y/y -1% y/y +8% y/y The CJEU's judgment of April 23, 2026, resulted in a necessary adjustment to the net interest income of PLN mn 153.2 In 2Q 26 the Bank received a dividend of PLN mn 40 from Polski Standard Płatności S.A.(„Blik”) In 2Q 26 the Bank created an additional PLN mn 33 of provisions for disputes (included in other operating expenses) -126 PLN mn (-4%) +28 PLN mn (+1%)* * Revenue growth taking into account the adjustment of net interest income of PLN mn 153.2, which is a consequence of the CJEU's judgment of April 23, 2026, resulting in an update of the expected cash flow estimates by excluding interest accrued on loans on non-interest expenses, while maintaining the original effective interest rate. -158 PLN mn (-10%) -5 PLN mn (~0%)*
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NET PROFIT AFFECTED BY ONE-OFFS 640,2 562,8 687,7 403,2 366,6 96,5 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 463,1 1 116,5 769,8 96,5 IH 25 IH 26 866,3 Net profit (PLN mn) -347 PLN mn (-31%) -250 PLN mn (-22%)* -274 PLN mn (-43%) -177 PLN mn (-28%)* CJEU adjustment Reported Net Profit * Net profit growth taking into account the adjustment of net interest income in the amount of PLN mn 153.2, which is a consequence of the CJEU's judgment of April 23, 2026, resulting in an update of the expected cash flow estimates by excluding interest accrued on loans on non-interest expenses, while maintaining the original effective interest rate. Impact on net profit for 2Q 26 was PLN mn 96.5 • The net profit of the Alior Bank Group in 2Q 26 amounted to PLN mn 367 and was PLN mn 274 (-43%) lower compared to the result from 2Q 25 • The decrease in net profit y/y was mainly due to an adjustment in revenues by PLN mn 153 caused by the CJEU judgment of April 23, 2026, higher credit risk costs by PLN mn 98 and a significantly higher effective tax rate than a year ago -37 PLN mn (-9%) +60 PLN mn (+15%)* CJEU adjustment Reported Net Profit
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Net interest income, adjusted for the impact of the adjustment resulting from the CJEU judgment, amounted to PLN bln 1.276 in 2Q 26 and was 1% lower than in 2Q 25. Net profit, adjusted for the impact of the adjustment resulting from the CJEU judgment, amounted to PLN mn 463 in 2Q 26 and was 28% lower than in 2Q 25. In 2Q 26, the ROE ratio was 11.5%, however, adjusted for the impact of the CJEU judgment** on net profit, the ROE ratio in 2Q 26 amounted to approx. 14.3%. Hedging transactions on derivatives ceased to be a burden on the Bank's net interest income. Their impact in 2Q 26 amounted to PLN mn +17. For comparison, in 1Q 26, this impact amounted to PLN mn -6 and PLN mn - 83 in 2Q 25. * Income tax and bank tax ** The CJEU's judgment of April 23, 2026, made it necessary to make an adjustment in 2Q 26 to net interest income of PLN mn 153.2, which translated into a lower net profit in 2Q 26 by PLN mn 96.5. INCOME STATEMENT INFLUENCED BY AN ADJUSTMENT TO REVENUE* AND A HIGHER TAX RATE PLN mn 2Q25 2Q26 % y/y IH 25 IH 26 % y/y Total Income, including: 1 524 1 366 -10% 2 989 2 864 -4% Net Interest Income 1 289 1 122 -13% 2 574 2 371 -8% Fee & Commission Income 222 241 8% 432 462 7% Other Income 12 3 -79% -16 31 - General administrative expenses -550 -551 0% -1 165 -1 182 1% Net expected credit losses -34 -132 290% -154 -247 61% Cost of fx mortgage legal risk -44 -13 -71% -60 -49 -17% Tax* -256 -303 19% -493 -615 25% Net Profit 640 367 -43% 1 117 770 -31% C/I (%) 36,1% 40,3% +4,3 pp. 39,0% 41,3% +2,3 pp. NIM (%) 5,74% 4,50% -1,24 pp. 5,77% 4,91% -0,86 pp. COF (%) 1,74% 1,48% -0,26 pp. 1,81% 1,53% -0,28 pp. ROE (%) 22,0% 11,5% -10,5 pp. 19,8% 12,2% -7,7 pp.
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Net interest income (PLN mn) * Revenue from loans, purchased receivables and leasing, excluding the impact of the adjustment related to the CJEU judgment of April 23, 2026. ** Change in interest income adjusted for the impact of the CJEU judgment of April 23, 2026. DESPITE A DECREASE IN INTEREST RATES, THE INCREASE IN VOLUMES STABILIZES THE NET INTEREST INCOME -10% y/y -19% y/y +7% y/y 1 324 1 311 1 240 1 192 1 189 430 433 410 441 462 -465 -447 -385 -385 -375 -153 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 1 289 1 296 1 265 1 248 1 1221 6331 6501 7431 754 1 650 Other Interest Income Loans Interest Income* Interest Cost CJEU adjustment 1 289 1 296 1 265 1 248 1 122 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 1 276 Interest income and expenses (PLN mn) In connection with the CJEU's judgment of April 23, 2026, in the second quarter of 2026 the Bank updated the estimates of exp ected cash flows by excluding interest accrued on loans on non-interest expenses, while maintaining the original effective interest rate, which resulted in an adjustment of net interest income by PLN mn 153.2. CJEU adjustment Net interest income -167 PLN mn (-13%) -14 PLN mn (-1%)** -104 PLN mn (-6%) -153
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* Managerial presentation, QTD, adjusted net interest margin (adj. NIM) was calculated without taking into account the PLN mn 153.2 adjustment to net interest income, which is a consequence of the CJEU's judgment of April 23, 2026. ** The ratio calculated on the assumption of a linear distribution of the contribution to the BFG compulsory restructuring fund over quarters and the absence of an adjustment of PLN mn 153.2 of interest income in 2Q 26 AN EVER-LOWER COST OF FINANCING LIMITS THE IMPACT OF THE DECREASE IN INTEREST RATES ON THE INTEREST MARGIN 78,5% 2Q 25 80,2% 3Q 25 77,1% 4Q 25 78,5% 1Q 26 76,6% 2Q 26 1,74% 5,74% 2Q 25 1,73% 5,61% 3Q 25 1,53% 5,38% 4Q 25 1,58% 5,19% 1Q 26 1,48% 4,50% 5,11% 2Q 26 CoF NIM NIM adjusted NIM and CoF* L/D ratio C/I ratio 36,1% 37,1% 2Q 25 36,9% 37,9% 3Q 25 37,9% 39,0% 4Q 25 42,1% 37,8% 1Q 26 40,3% 37,7% 2Q 26 C/I reported C/I normalized**
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-9% y/y +44% y/y +9% y/y +10% y/y +1% y/y +47% y/y -1% y/y The increase in brokerage commissions by approx. PLN mn 10 y/y resulted mainly from the growing volume of assets in investment funds, as well as from the increase in the activity of retail clients transacting on the WSE The increase in the result on insurance sales by approx. PLN mn 7 y/y was mainly due to an increase in insurance revenues related to mortgage loans SIGNIFICANT IMPROVEMENT OF FEES AND COMMISSIONS INCOME (+8% Y/Y) 45 47 45 42 49 16 20 20 23 23 57 58 60 57 56 22 21 28 29 32 79 84 82 73 79 19 21 20 18 18 -15 -18 -16 -21 -17 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 222 234 240 221 241 Payment and credit cards service (net) Transaction margin on currency exchange transactions Brokerage commissions (net) Leasing, loans and advances Bancassurance (net) Commissions related with accounts (net) Other fee/provision cost and income (net) Net Fees and Commissions Income (PLN mn) 86 91 32 46 112 114 41 60 151 152 38 36 -29 -38 IH 25 IH 26 432 462 -5% y/y +43% y/y +5% y/y +30% y/y +1% y/y +49% y/y +1% y/y +18 PLN mn (+8%)+30 PLN mn (+7%)
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* General management expenses include taxes and fees -% y/y +6% y/y +1% y/y -1% y/y Operating costs in 2Q 26 amounted to PLN mn 551 and increased by 2% (by PLN mn 12) compared to operating costs in 2Q 25 (excluding the costs of the Bank Guarantee Fund) Compared to 1Q 26, general management costs increased in 2Q 26 by PLN mn 24 (+17%). This was mainly due to higher q/q costs of consulting services (+PLN mn 13) and marketing costs (+PLN mn 6) The Bank estimates that in the entire year 2026, the increase in operating costs, excluding the costs of the Bank Guarantee Fund, will not be higher than the increase resulting from inflation ANOTHER QUARTER WITH STABLE OPERATING COSTS Costs of BFG General and administrative* Employee expenses Amortization and depreciation Operating costs excluding BFG costs Operating costs (PLN mn) +1% y/y +3% y/y +1% y/y ~0% y/y +1 PLN mn (~0%)+16 PLN mn (+1%) 65 64 65 62 64 315 312 302 337 317 159 178 188 145 169 100 100 100 100 87100 100 100 100 100 11 2Q 25 11 3Q 25 11 4Q 25 1Q 26 2Q 26 539 544554 554 550 631 565 565 551 126 127 650 655 304 314 100 100 86 87 100 100 IH 25 IH 26 1 165 1 182 1 0951 080
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WE ARE IMPLEMENTING OUR AMBITIOUS STRATEGY „ALIOR BANK. OR NOTHING.” FOR 2025-2027 Operational Excellence Scaling Up High Resilience * Revenues, net profit, ROE without taking into account the adjustment of net interest income, which is a consequence of the CJEU's judgment of April 23, 2026, resulting in an update of the expected cash flow estimates by excluding interest charged on loans for non-interest expenses, while maintaining the original effective interest rate. The impact of the adjustment on revenues is PLN mn 153.2, and on net profit PLN mn 96.5. ** The ratio calculated on the assumption of a linear distribution of the contribution to the BFG compulsory restructuring fund over quarters and the absence of an adjustment of PLN mn 153.2 to interest income in 2Q 26 Key indicators for 2Q 26 PLN BN 1.37 IN REVENUE -10% 2Q/2Q PLN BN 1.52 IN REVENUE* (~0% 2Q/2Q) PLN MN 367 IN PROFIT -43% 2Q/2Q 463 MILLION IN PROFIT* (-28% 2Q/2Q) 11.5% ROE -10.5 pp. 2Q/2Q 14.3% ROE* (-7.7 pp. 2Q/2Q) 40.3% C/I +4.3 pp. 2Q/2Q 37.7% C/I** (+0.6 pp. 2Q/2Q) 5.16% NPL -1.02 pp. 2Q/2Q
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5 OTHER ISSUES
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-5 -3 -1 1 3 5 7 9 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 konsumpcja GD spożycie publiczne inwestycje zapasy eksport netto PKB MANUFACTURING SECTORS STRONGER IN 2Q 26 Source: GUS, NBP, Bloomberg, DAM Alior's own study Economic growth in Poland slowed down in the first half of 2026 compared to the second half of 2025. We estimate GDP growth in the first half of 2026 at approx. 3.5% y/y vs. nearly 4% y/y in the second half of 2025. In 1Q 26 manufacturing sectors, including primarily construction, but also industry, performed significantly worse. In 2Q 26 we have already observed an acceleration in these sectors. In the construction sector, due to better weather conditions and the economic situation driven by investment demand, supported by EU funds. Industry was also assisted by an additional boost due to precautionary stockpiling by companies amid fears of increased disruptions to supply chains caused by the oil shock. The trends in consumption were the opposite. In 2Q 26 there was a weakening caused by the effects of the oil shock, mainly a deterioration in real wage growth and household sentiment In 2Q 26, there was an increase in consumer inflation to an average of 2.9% y/y, compared to an average of 2.4% y/y in 1Q 26. The effects of the oil shock on inflation in Poland were limited by the effects of the reductions in taxes on fuels throughout 2Q 26. In such an environment, the MPC stabilized interest rates, including the main rate at 3.75%. Inflation kept in checkGDP growth slowed down in 1H Industry and construction accelerated in 2Q CPI, Poland (%, y/y) Monthly economic data, Poland (%, y/y) GDP growth (in real terms, %, y/y) and its composition (pp.), Poland -15 -10 -5 0 5 10 wrz 25 paź 25 lis 25 gru 25 sty 26 lut 26 mar 26 kwi 26 maj 26 cze 26 Sprzedaż detaliczna Produkcja przemysłowa Produkcja budowlano-montażowa 0 2 4 6 8 10 12 14 16 18 20 cze 22 gru 22 cze 23 gru 23 cze 24 gru 24 cze 25 gru 25 cze 26 Inflacja CPI (%, r/r) cel NBP inventory household consumption public spending net export investments GDP CPI (%, y/y) NBP target Industrial productionRetail sales Construction and assembly production
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-5 -4 -3 -2 -1 0 1 2 3 4 sty 26 lut 26 mar 26 kwi 26 maj 26 Hiszpania Włochy Francja Niemcy Strefa euro USA 1,0 1,5 2,0 2,5 3,0 3,5 4,0 4,5 lut 26 mar 26 kwi 26 maj 26 cze 26 lip 26 stopa depozytowa EBC stopa Fed (środek przedziału) GLOBAL INDUSTRY DRIVEN BY INVESTMENTS Source: Bloomberg, DAM Alior's own study Disruptions in transport and production in the Gulf region continue to have a strong impact on the availability and prices of hydrocarbons. Mid-June seemed to bring a breakthrough in peace negotiations between the US and Iran, but in July hostilities resumed. In a difficult surrounding, we are observing a recovery in global industry, driven by investment expenditures in high technologies and defense spending. The exception is Germany, where, after the energy shock caused by the outbreak of the war in Ukraine, the local industry is entering the Chinese shock 2.0 and is clearly struggling to recover from the crisis. For Poland, this crisis is both a challenge (Germany is a key trading partner) and opportunity related to the potential relocation of businesses to our country. The recovery in industry, driven by investment demand, is accompanied by a global cooling of consumer sentiment, caused by an increase in the cost of living. The crisis has clearly changed the perception of interest rate prospects. The ECB raised rates by 25 bps in June, and market valuations suggest the possibility of further ECB rate hikes and tightening of Fed policy Strong increase in hydrocarbon prices Price change from the end of '25 (weekly averages) The oil crisis has changed the perception of Fed and ECB rates Industrial production dynamics (%, y/y, seasonal adjustment) Global industry in recovery. But not in Germany ECB and Fed interest rate valuations for December 2026 (%) -20% 0% 20% 40% 60% 80% 100% 120% lip 24 sty 25 lip 25 sty 26 lip 26 Ropa Brent (po) Gaz (Holandia 1M)Brent Crude Gas (Holland 1M) EBC deposit rate Fed rate (middle of range) Spain Italy France Germany Eurozone
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14,4 11,4 3,6 3,6 2,9 3,1 6,75 5,75 5,75 4,00 3,75 3,75 0 2 4 6 8 10 12 14 16 2022 2023 2024 2025 2026P 2027P Inflacja CPI - średnio (%, r/r) Stopa bazowa NBP - koniec okresu (%) 5,3 0,2 3,2 3,6 3,5 3,1 -2 0 2 4 6 8 10 12 14 2022 2023 2024 2025 2026P 2027P Inwestycje (realnie, %, r/r) Konsumpcja prywatna (realnie, %, r/r) PKB (realnie, %, r/r) 2026: RECOVERY IN A CHALLENGING SURROUNDING Source: GUS, NBP, DAM Alior forecasts The economic recovery in Poland in 2026 is supported by a marked acceleration in investment and inhibited by a cooling of private consumption. In a broader perspective, the growth potential is reduced by the destabilization associated with the war in the Middle East Investment demand accelerated with the cyclical recovery of corporate investment, supported largely by public sector spending, with a broad inflow of EU funds, including the NRP. However, the impulse from the NRP will probably expire in the coming quarters. Private consumption will slow down, among others as a result of higher inflation and cooling wage and labor market dynamics Inflation will move to higher levels compared to recent trends due to the energy shock, but should remain within the range of deviations from the NBP target (2.5% +/- 1 pp). The prospect of continuing NBP interest rate cuts in the context of the ongoing oil shock is receding. We expect rates to stabilize, although the MPC has a more dovish attitude than the main central banks Risks to the outlook in the context of the energy shock caused by the war in the Middle East remain elevated. We assume that we will see a gradual normalization of the situation later in the year. A possible prolongation of the destabilization of the energy market will increase inflation and erode demand In 2026-2027, we expect the credit recovery to continue, culminating in 2026. Nevertheless, the deposit base will continue to grow faster than the value of loans Moderate recovery in the economy and credit GDP and main components, Poland Stable rates with elevated inflation Inflation and interest rates, Poland 2024 2025 2026P 2027P Economic indicators GDP (real, %, y/y) 3.0 3.6 3.5 3.1 Investments (real, %, y/y) -0.9 4.4 6.9 4.3 Private consumption (real, %, y/y) 2.9 3.7 3.0 2.6 CPI (average, %, y/y) 3.6 3.6 2.9 3.1 Unemployment rate (average, %) 5.1 5.4 6.0 6.0 NBP base rate (EoP, %) 5.75 4.00 3.75 3,.75 Banking sector (volumes, %, y/y) Total loans 3.4 5.7 7.5 6.2 Residential mortgages (PLN) 5.7 8.1 7.6 6.3 Consumer 8.4 7.9 8.8 7.5 Corporate 4.8 8.9 10.2 6.5 Total deposits 7.9 9.7 9.1 7.8 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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PARTNERSHIPS, SOCIAL INITIATIVES Alior Bank experts have joined the SheLeads First Time Manager mentoring program as mentors supporting the growth of future leaders. Participation in the initiative confirms the bank's commitment to talent development, strengthening diversity, and building a culture of sharing knowledge and experience. Alior Bank has become a strategic sponsor of the 9. Biomethane Congress, one of the most important events devoted to energy transition and sustainable development. The bank's presence at the congress emphasizes its active role in financing the green transition and supporting the development of a modern economy. Alior Bank's mentors in the SheLeads First Time Manager program Strategic Sponsor 9. Biomethane Congress Alior Bank's experts have become involved in the "Women in Finance" Development Program, implemented by the Warsaw School of Economics and the Polish Bank Association. Through lectures, workshops and mentoring, they supported female students in building careers in the financial sector, reaffirming the bank's commitment to talent development, knowledge sharing, and strengthening the diversity and leadership of women in the financial industry. Alior Bank's mentors and lecturers in the "Women in Finance" program Lead Partner of the report "The Power of Experience in AI" Alior Bank has become the Main Partner of The Best Age Foundation's report "The Power of Experience in AI. How to use the potential of mature employees". The initiative highlights the importance of generational diversity, professional experience, and responsible use of new technologies in building a modern work environment.
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MODERNIZATION OF OWN BRANCHES, NEW BRANCHES IN THE LARGEST SHOPPING MALLS Alior Bank has debuted a new branch concept in the Manufaktura Shopping Center in Łódź. It is the first of the bank's own branches created according to a new concept that combines modern design, intuitive solutions, and customer support in a smooth transition to digital financial services, in line with the strategy of "Alior Bank. Or nothing." The new branch concept is one of the most advanced formats of bank branches on the European market, which translates into high quality customer experience and achieving the highest levels of customer satisfaction. There are already 94 branches operating in the renewed standard, and the modernization of the Alior Bank branch network will ultimately cover all branches.
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* Managerial presentation. In 1Q 26 there was a change in the classification of the Business Customer segment, which consisted in, among others, the merger of the Small and Medium segments in SMEs and the reclassification of some of the Small to Micro customers ** without Reverse Repo / BSB transactions STABLE GROWTH OF THE GROSS LOAN PORTFOLIO 24 706 26 997 26 095 42 285 44 849 45 294 2Q 25 1Q 26 2Q 26 66 991 71 846 71 390 +7% -1% Retail Segment Corporate Segment 21 620 24 094 25 166 20 665 20 754 20 129 2Q 25 1Q 26 2Q 26 42 285 44 849 45 294 +7% +1% Consumer loans Loans for real estate 2 199 4 476 4 895 4 694 5 539 4 700 4 622 7 621 7 805 7 534 6 785 7 398 7 726 284 2Q 25 1Q 26 1 518 2Q 26 24 706 26 997 26 095 +6% / +1%** -3% / -1%** Alior Leasing Large SME Micro Reverse Repo/BSB Business Customer Segment* (PLN mn) Structure of the Business Customer portfolioStructure of the Retail Customer portfolio Retail Customer Segment (PLN mn)Loan portfolio in total (PLN mn) Structure of the total loan portfolio 20 30 40 50 60 70 80 63% 37% 2Q 25 62% 38% 3Q 25 64% 36% 4Q 25 62% 38% 1Q 26 63% 37% 2Q 26 44 46 48 50 52 54 56 49% 51% 2Q 25 48% 52% 3Q 25 48% 52% 4Q 25 46% 54% 1Q 26 44% 56% 2Q 26 Consumer loans Loans for real estate 0 5 10 15 20 25 30 35 31% 22% 18% 1% 2Q 25 27% 30% 21% 16% 6% 3Q 25 29% 30% 22% 29% 17% 18% 8% 1Q 26 30% 16% 29% 2% 18% 4Q 25 18% 27% 6% 2Q 26 27% Alior Leasing Large SME Micro Reverse Repo/BSBRetail Segment Corporate Segment
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THE BANK MANAGES THE DEPOSIT PORTFOLIO TO OPTIMIZE THE COST OF FINANCING (PLN MN) 13 704 14 332 14 921 8 864 7 886 7 399 425 2Q 25 323 1Q 26 274 2Q 26 22 993 22 542 22 595 -2% 0% Other liabilities Term deposits Current deposits 41 231 46 280 47 372 15 065 16 277 16 616302 2Q 25 315 1Q 26 296 2Q 26 56 598 62 872 64 284 +14% +2% Other liabilities Term deposits Current deposits 41 231 46 280 47 372 13 704 14 332 14 921 15 065 16 277 16 6168 864 7 886 7 399727 638 570 2Q 25 1Q 26 2Q 26 79 591 85 414 86 878 +9% +2% Other Term deposits (Corpo) Term deposits (Retail) Current deposits (Corpo) Current deposits (Retail) Net liabilities structure – Business SegmentNet liabilities structure – Retail SegmentStructure of net liabilities to customers Structure of main liabilities – Business Segment Structure of main liabilities – Retail SegmentStructure of main liabilities 0 20 40 60 80 100 69% 30% 2Q 25 69% 30% 3Q 25 71% 28% 4Q 25 71% 28% 1Q 26 72% 28% 2Q 26 Current deposits Term deposits 0 20 40 60 80 100 73% 27% 2Q 25 73% 27% 3Q 25 73% 27% 4Q 25 74% 26% 1Q 26 74% 26% 2Q 26 Current deposits Term deposits 0 20 40 60 80 100 60% 39% 2Q 25 61% 37% 3Q 25 67% 32% 4Q 25 64% 35% 1Q 26 66% 33% 2Q 26 Current deposits Term deposits
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+3% YTD +7% YTD +5% YTD +5% YTD +3% YTD ASSET STRUCTURE OF ALIOR BANK GROUP (PLN BN) 56,2 58,2 57,6 61,0 62,7 65,5 68,6 15,7 16,1 17,0 18,8 23,6 26,5 28,0 6,7 8,7 8,3 10,3 7,0 9,8 10,1 2020 2021 2022 2023 2024 2025 2Q26 78,6 83,0 82,9 90,1 93,3 101,8 106,6 +36% +5% Other assets Financial assets Loans and advances to customers 33,9 36,4 35,2 38,0 39,8 42,7 44,2 22,3 21,8 22,4 23,0 22,9 22,7 24,4 2020 2021 2022 2023 2024 2025 2Q26 56,2 58,2 57,6 61,0 62,7 65,5 68,6 +22% +5% Corporate Loans Retail Loans Alior Bank Group assets Receivables from customers (net)
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-2% YTD +6% YTD -5% YTD +10% YTD -10% YTD +17% YTD -4% 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. LIABILITY STRUCTURE OF ALIOR BANK GROUP (PLN BN) 6,6 5,9 6,2 9,2 11,2 13,0 12,5 65,8 71,5 70,0 73,1 76,9 82,6 86,9 6,3 5,6 6,7 7,8 5,2 6,2 7,2 2020 2021 2022 2023 2024 2025 2Q26 78,6 83,0 82,9 90,1 93,3 101,8 106,6 +36% +5% Other liabilities Amounts due to customers Equity 37,2 42,6 35,1 36,3 38,8 43,1 47,4 16,4 17,3 13,9 14,2 15,0 15,6 14,97,2 5,7 15,0 14,1 15,1 15,7 16,6 4,3 5,4 5,5 7,9 7,4 7,5 7,4 0,6 0,5 0,5 0,5 0,7 0,6 0,6 2020 2021 2022 2023 2024 2025 2Q26 65,8 71,5 70,0 73,1 76,9 82,6 86,9 +32% +5% Other Term deposits (Corpo) Term deposits (Retail) Current deposits (Corpo) Current deposits (Retail) Alior Bank Group liabilities Liabilities to customers*
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INCOME STATEMENT PLN mn 2Q 25 1Q 26 2Q 26 % y/y IH 25 IH 26 % y/y y/y Total Income 1 523,8 1 498,1 1 365,6 -10% 2 989,3 2 863,7 -4% -125,6 Net interest income 1 289,1 1 248,2 1 122,4 -13% 2 573,9 2 370,7 -8% -203,3 Net fee and commission income 222,3 221,2 240,5 8% 431,6 461,7 7% 30,1 Other income 12,4 28,7 2,6 -79% -16,2 31,3 -293% 47,5 Total costs -695,8 -857,4 -767,6 10% -1 519,1 -1 624,9 7% -105,8 General administrative expenses -549,6 -630,9 -550,8 0% -1 165,4 -1 181,6 1% -16,2 Impairment of non-financial assets -0,6 -0,7 -0,2 -75% -0,8 -0,8 9% -0,1 Net expected credit losses -33,9 -115,3 -132,0 290% -153,8 -247,3 61% -93,5 Cost of fx mortgage legal risk -43,7 -36,7 -12,7 -71% -59,6 -49,3 -17% 10,2 Banking tax -68,1 -73,9 -72,0 6% -139,6 -145,9 5% -6,3 Gross profit 827,9 640,7 598,0 -28% 1 470,2 1 238,7 -16% -231,4 Income tax -187,7 -237,5 -231,4 23% -353,6 -468,9 33% -115,3 Net profit 640,2 403,2 366,6 -43% 1 116,5 769,8 -31% -346,7 Net interest margin (NIM) 5,74% 5,19% 4,50% - 5,77% 4,91% - -0,86 pp. Cost of funding (CoF) 1,74% 1,58% 1,48% - 1,81% 1,53% - -0,28 pp. Cost of risk (CoR) 0,20% 0,67% 0,74% - 0,47% 0,71% - +0,25 pp. Cost / Income ratio (C/I) 36,1% 42,1% 40,3% - 39,0% 41,3% - +2,3 pp. Loan / Deposit ratio (L/D) 78,5% 78,5% 76,6% - 78,5% 76,6% - -1,9 pp. Return on equity (ROE) 22,0% 12,5% 11,5% - 19,8% 12,2% - -7,7 pp. Total Capital Ratio (TCR) 16,97% 17,85% 17,57% - 16,97% 17,57% - +0,6 pp.
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CONSOLIDATED STATEMENT OF THE FINANCIAL STANDING OF THE ALIOR BANK GROUP (PLN MN) 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 % q/q q/q % y/y y/y Total assets 99 467,6 97 742,1 101 775,0 104 718,2 106 635,7 2% 1 917,5 7% 7 168,0 Cash and cash equivalents 5 530,4 3 382,7 4 062,9 1 570,5 3 895,9 148% 2 325,4 -30% -1 634,5 Amounts due from banks 1 429,4 878,3 2 203,1 2 353,4 2 200,1 -7% -153,3 54% 770,8 Debt securities and derivatives 23 419,4 24 398,4 26 509,3 28 491,7 27 952,3 -2% -539,4 19% 4 532,9 Derivative hedging instruments 491,3 409,8 659,6 389,7 619,6 59% 229,8 26% 128,3 Loans and advances to customers 63 913,1 66 135,8 65 451,5 68 937,2 68 615,0 0% -322,2 7% 4 701,9 Assets pledged as collateral 2 196,6 18,3 0,0 0,0 509,7 - 509,7 -77% -1 686,9 Property, plant and equipment 641,9 643,4 829,1 813,4 745,1 -8% -68,3 16% 103,1 Intangible assets 487,8 508,2 551,0 561,0 574,6 2% 13,6 18% 86,8 Aktywa przeznaczone do sprzedaży 0,0 0,0 0,0 0,0 58,4 - 58,4 - 58,4 Income tax asset 687,3 710,2 724,1 742,7 666,3 -10% -76,4 -3% -21,0 Other assets 670,4 657,1 784,4 858,6 798,8 -7% -59,9 19% 128,3 Total liabilities and equity 87 977,8 85 581,2 88 792,0 91 585,5 94 122,1 3% 2 536,6 7% 6 144,2 Amounts due to banks 2 337,0 254,8 589,2 457,6 1 413,6 209% 956,0 -40% -923,4 Amounts due to customers 79 590,6 80 585,5 82 620,6 85 413,8 86 878,3 2% 1 464,6 9% 7 287,7 Financial liabilities 314,5 201,0 327,1 371,1 314,7 -15% -56,4 0% 0,2 Derivative hedging instruments 217,3 142,7 69,0 123,2 25,4 -79% -97,8 -88% -191,9 Fair value changes of the hedged items in portfolio hedge 105,8 102,8 202,1 -103,1 133,5 - 236,6 26% 27,7 Provisions 354,9 375,4 404,0 402,4 425,3 6% 22,9 20% 70,5 Other liabilities 3 105,3 1 818,9 2 039,7 2 506,6 2 221,0 -11% -285,6 -28% -884,3 Income tax liabilities 106,6 210,4 218,4 56,9 16,2 -72% -40,8 -85% -90,4 Liabilities from the issuance of debt securities 1 846,0 1 889,5 2 321,9 2 357,0 2 694,0 14% 337,0 46% 848,1 Equity 11 489,8 12 160,9 12 983,0 13 132,7 12 513,6 -5% -619,1 9% 1 023,8 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 8 655,3 8 655,3 8 655,3 8 655,3 9 901,1 14% 1 245,8 14% 1 245,8 Revaluation reserve 169,1 277,4 407,6 154,7 334,8 116% 180,1 98% 165,7 Other reserves 161,8 161,8 161,8 161,8 161,8 0% 0,0 0% 0,0 Accumulated losses 81,6 81,6 85,7 2 452,3 40,6 -98% -2 411,6 -50% -41,0 Profit for the period 1 116,5 1 679,4 2 367,0 403,2 769,8 91% 366,6 -31% -346,7 Total liabilities and equity 99 467,6 97 742,1 101 775,0 104 718,2 106 635,7 2% 1 917,5 7% 7 168,0
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* New sales limit (new sales + increases) for Customers in the Micro- / Small- / Medium- / Large-Sized categories NEW SALE OF CREDIT AND LOANS( PLN MN) 2 446 2 347 1 885 2 432 2 184 2 769 2 521 2 773 1 389 2 258 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 -18% +63% 1 346 1 181 1 138 1 704 1 279 1 301 1 318 1 835 1 144 1 007 1 640 682 605 743 983 1 316 1 278 1 420 1 810 1 952 1 571 1 679 1 632 2 007 2 186 2 101 2 025 1 965 2 310 2 339 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 4 557 3 542 3 375 4 455 4 448 4 717 4 621 5 219 5 264 5 298 +12% +1% Cash Loan Mortgage Loan Consumer Finance Loan -23% y/y +11% y/y +48% y/y Sales in the Retail Customer Segment Sales in the Business Customer Segment*
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* Alior Bank's branches include: traditional branches, Private Banking branches and Corporate Banking Centers. ADDITIONAL INFORMATION The decline in the number of retail customers at the end of 2Q 26 by 248 k y/y was primarily the result of terminations of inactive accounts in 1Q 26 6 425 6 304 6 236 6 177 6 100 480 474 479 500 503 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 6 906 6 779 6 715 6 677 6 603 -303 (-4%) -74 (-1%) 319 318 311 307 301 168 168 168 166 158 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 487 486 479 473 459 -28 (-6%) -14 (-3%) Branches* Agencies 4 381 4 403 4 468 4 205 4 133 250 2Q 25 251 3Q 25 252 4Q 25 251 1Q 26 251 2Q 26 4 631 4 654 4 720 4 456 4 384 -247 (-5%) -71 (-2%) Corporate Segment Client Retail Segment Client -5% y/y -5% y/y -6% y/y -6% y/y -6% y/y ~0% y/y Employment (FTE) Alior Bank’s branches Number of customers (k) Subsidiaries Alior Bank
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PZU Group 31,9% NN OFE 9,9% PKO BP Bankowy OFE 4,1% Generali OFE 5,1% Vienna OFE 2,7% Uniqa OFE 1,9% Allianz OFE 8,8% Pocztylion-Arka OFE 0,6% Others 34,9 OFE 33,2% Rate of return on Alior Bank shares vs selected WSE indices (12-month comparable data) Alior Bank S.A. shares are included in the following indices, among others: Alior Bank share price : PLN 130,00 (data as of June 30, 2026) Capitalization: PLN bn 17.0 Value of shares in free float: PLN bn 7.5 P/BV**: 1.4x CP/E***: 8.4x ISIN: PLALIOR00045 GPW: ALR Bloomberg: ALR PW Reuters: ALRR.WA Rating S&P: long-term: BBB- perspective: stable Rating Fitch: long-term: BB+ perspective: positive Rating Sustainalytics: ESG Risk Rating: 20.5 Medium Risk ❑ 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] as on 30.06.2026 DFE as on 31.12.2025 ** based on the equity of the Alior Bank Group as of 30.06.2026 *** based on the reported net profit of the Alior Bank Group from 3Q 25 to 2Q 26 +47,9% y/y +44,7% y/y +29,6% y/y +26,1% y/y ALIOR BANK S.A. – STOCK PERFORMANCE, SHAREHOLDING, RATINGS Shareholding structure* Jul 25 Aug 25 Sep 25 Oct 25 Nov 25 Dec 25 Jan 26 Feb 26 Mar 26 Apr 26 May 26 Jun 26 Jul 26
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Investor Relations and Subsidiaries Supervision Department e-mail: ir@alior.pl CONTACT DATA ADDRESS MORE INFORMATION Alior Bank S.A. Investor Relations and Subsidiaries Supervision Department ul. Chmielna 69 00-801 Warszawa Poland Youtube channel Website Facebook fanpage X profile Internet LinkedIn profile NEXT EVENTS: ▪ Results for 3Q 26 – October 27, 2026 CONTACT
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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 1H 26. 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
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THANK YOU FOR YOUR ATTENTION