Slides
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ALIOR BANK SA | OCTOBER 27, 2026 PRESENTATION OF RESULTS FOR 3Q26
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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 3Q 26 14.9% RoE -4.0 pp. 37.9% C/I +1.0 pp. 4.97% NPL -1.32 pp. 3Q 26 / 3Q 25 17.45% TCR -0.20 pp. 0.41% CoR -0.32 pp. 5.17% NIM -0.44 pp. Key indicators Sales of mortgage loans to retail customers in 3Q 26 amounted to over PLN 1.8 bn Total new sales in the retail customer segment amounted to PLN 5.3 bn in 3Q 26 The number of relational retail customers stood at 1.8 m at the end of September 2026. The number of mobile app users at the end of September 2026 was 1.91 m. Alior Leasing's sales reached PLN 0.95 bn in 3Q 26 Rating upgrade by Fitch Ratings to BBB- The Bank's operating costs in 3Q 26 amounted to PLN 575 m The NPL ratio decreased y/y by 1.3 pp. at the end of September 2026 +43% y/y +7% y/y +20% y/y +12% y/y BBB- +2% r/ r 4.97% GROWTH IN THE SCALE OF OPERATIONS HIGH RESILIENCE AND OPERATIONAL EXCELLENCE PLN 1.52 BN IN REVENUE -1% 3Q 26 / 3Q 25 PLN 473 M IN PROFIT -16% 3Q 26 / 3Q 25 +15% y/y
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BASIC VOLUME DATA 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 97.7 101.8 104.7 106.6 108.3 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 80.6 82.6 85.4 86.9 89.5 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 63.2 63.9 65.7 66.2 67.0 Asset Deposits**Performing loans* 64.3% Share of net loans in assets +4% Increase in equity of the Alior Bank Group y/y +17% Growth of assets under management of Alior TFI y/y +15% Growth of retail deposits y/y36.0% Share of mortgage loans in total loans 4.97% Non-performing loans (NPLs) in the portfolio, down by 1.3 pp. y/y PLN +10.6 bn (+11%) PLN +8.9 bn (+11%)PLN +3.8 bn (+6%) (PLN bn) (PLN bn)(PLN bn) In the third quarter of 2026, Alior Bank consistently pursued its strategy of increasing the scale of operations while improving its basic risk parameters * Gross loan volume qualified for stage 1 and 2, excluding Repo/ BuySellBack transactions ** Liabilities due to customers
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2 OPERATING ACTIVITIES
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GROWTH OF LOAN SALES TO RETAIL CUSTOMERS PLN +0.55 bn (+43%) PLN +0.13 bn (+4%) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3.34 3.80 3.45 3.35 3.48 1.32 2.02 1.83 1.96 1.14 2.31 1.01 2.34 0.93 2.54 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 1.28 1.42 1.81 1.95 1.83 We maintain mortgage sales at a high level and stable sales results of other credit products in the retail customer segment. Consumer Finance Loan Cash Loan Mortgage loans (PLN bn) Sales of non-mortgage loans (PLN bn) -29% y/y +26% y/y RETAIL CUSTOMERS
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BALANCE OF LOANS AND DEPOSITS RETAIL CUSTOMER SEGMENT 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 43.1 43.9 44.8 45.3 46.1 22.3 20.8 23.0 20.9 24.1 20.8 25.2 20.1 26.1 20.0 Loans for real estate Consumer loans 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 71.8 74.3 78.5 80.5 82.9 41.7 15.4 7.4 7.0 0.4 15.7 8.0 7.2 0.3 46.3 16.3 8.2 7.4 0.4 47.4 16.6 8.6 7.6 0.4 49.1 16.4 8.8 8.1 0.4 43.1 Current deposits Term deposits Investment funds Funds in securities accounts Bank Securities Issues and others PLN +3.0 bn (+7%) PLN +11.1 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 (m) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 1.68 1.70 1.72 1.74 1.80 Number of Mobile App users (m) Number of new current accounts* – RORs (k) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 54.7 45.4 42.8 48.7 79.6 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 40.7% 42.6% 42.5% 42.7% 44.0% Share of e2e sales initiated in the mobile channel (%) +0.12 m (+7%) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 1.59 1.67 1.77 1.83 1.91 +0.32 m (+20%) +3.3 pp. ALIOR BANK IS EFFECTIVELY GROWING ITS RELATIONAL CUSTOMER BASE RETAIL CUSTOMERS +25.0 k (+46%) * data for 3Q 26 based on an estimation
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3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 21.0 28.2 28.6 31.7 32.4 4.4 7.0 3.0 3Q 25 4.8 7.2 3.2 4Q 25 4.8 7.4 3.4 1Q 26 5.0 7.6 3.6 2Q 26 5.2 8.1 3.7 3Q 26 14.4 15.1 15.6 16.1 16.9 PLN +11.4 m (+54%)PLN +2.5 bn (+18%) Number of IKE / IKZE accounts 19 k +57% y/y 8.8 bn +20% y/y 719 m +177% y/y Assets in Open-end Investment Funds Sales 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 m) RETAIL CUSTOMERS Alior TFI Financial instruments on securities accounts Other TFI +17% y/y +16% y/y +23% y/y
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ALIOR MOBILE – INCREASE IN LEVEL OF SELF-SERVICE AND CUSTOMER SATISFACTION Purchasing investment funds The next step in the growth of investment services 09.202607.2026 RETAIL CUSTOMERS Mobile App rating 4.7 4.6 New details in ROR account Greater transparency and convenient self-service Change in rating on Google Play: 4.4 → 4.7 (2Q 26 / 3Q 26) 42.8% Digital orders share of orders carried out through self-service 33.7% → 42.8% (2Q 26 / 3Q 26) +49% Increase in orders in Alior Mobile orders regarding accounts, after the implementation of the new self-service module
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BALANCE OF LOANS AND DEPOSITS OF THE BUSINESS CUSTOMER SEGMENT PLN +0.1 bn (+0.4%) wo BSB PLN+0.01 bn (~0%) Improvement in the structure of deposits – the growing share of the current deposit balance has a positive impact on the cost of financing PLN +0.4 bn (+2%) Deposits of business customers (PLN bn)Gross loan products to business customers (PLN bn) -6% y/y +6% y/y +6% y/y -4% y/y +13% y/y BUSINESS CUSTOMERS 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 23.2 23.5 22.5 22.6 23.6 14.6 8.6 16.0 7.5 14.7 7.9 15.2 7.4 15.5 8.1 Term deposits Current and other 3Q 25 0.4 4Q 25 1Q 26 2Q 26 3Q 26 26.2 24.4 27.0 26.1 26.3 18.4 6.2 1.6 17.7 6.3 18.3 6.5 2.2 17.8 6.8 1.5 17.7 6.9 1.7 Loans Leasing BuySellBack
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IMPROVMENT IN THE QUALITY OF THE LOAN PORTFOLIO BUSINESS CUSTOMER SEGMENT PLN +0.5 bn (+3%) 21.6 3.0 3Q 25 21.4 2.6 4Q 25 22.2 2.6 1Q 26 22.1 2.4 2Q 26 22.3 2.3 3Q 26 24.6 24.0 24.8 24.6 24.6 Performing portfolio Non-performing portfolio (NPL - stage 3) PLN +0.01 bn (~0%) 6.4 6.8 3.9 3Q 25 6.6 6.6 3.9 4Q 25 6.8 7.0 4.1 1Q 26 7.1 6.7 4.1 2Q 26 7.3 6.9 3.9 3Q 26 21.1 20.8 21.6 21.5 21.6 4.0 3.7 3.7 3.5 3.4 Improvement in the portfolio structure: non-performing loans at the end of 3Q 26 dropped to PLN 2.3 bn, i.e., by 23% y/y The share of Micro loans in the business client segment’s performing loans portfolio decreased from 19% to 16% during the year Loan balance Micro / SME / Large and Leasing (PLN bn) Performing portfolio (managerial presentation**) Gross loans to business customers* (PLN bn) BUSINESS CUSTOMERS * gross loan portfolio from the business customer segment, excluding BuySellBack transactions ** gross loans excluding accrued interest and deferred commissions +3% y/y -23% y/y ~0% y/y +15% y/y +1% y/y Leasing Large SME Micro -13% y/y
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GROWTH IN THE BUSINESS CUSTOMER SEGMENT +0.1 k (+3%) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3.9 3.9 4.7 4.0 4.0 Number of new current accounts (k) BUSINESS CUSTOMERS The share of relational business customers using digital banking at the end of 3Q 26 was 86.6% The share of online in account sales once again reached a high level and amounted to 69% in 3Q 26
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DYNAMIC PORTFOLIO GROWTH AT ALIOR LEASING PLN +98 m (+12%) PLN +989 m (+14%) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 0.85 0.96 0.94 1.06 0.95 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 7.0 7.1 7.4 7.7 8.0 Stabilization of sales at a high level The company's share in lease financing increased by 0.4 pp. to 3.5%, compared to 3.1% in the January-August 2025 period. The share in all asset categories is growing, in particular in vehicles over 3.5 tons, where the market share increased by 0.4 pp. (the share in I- VIII 2026 was 6.5%) and in machinery and equipment, where a high increase in market share by 0.7 pp. was recorded. (a share of 3.3%), in vehicles up to 3.5t. the share increased by 0.1 pp. (a share of 2.6%). The asset class structure of quarterly sales remains stable with a moderate increase in the share of machinery and equipment, which is in line with the company's strategy. 40,6% 35,5% 23,9% Maszyny i urządzeniaPojazdy pow. 3,5tPojazdy do 3,5t Leasing sales by asset class (3Q 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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WE BUILD OUR IMAGE WE SUPPORT MUSIC AND GAMING Alior Bank supports music and gaming — as a strategic partner of the JIMEK concert (12.09.2026), the main sponsor of Poznań Game Arena (23–25.10.2026), and a partner of Inside Seaside (13–14.11.2026), with whom cooperation was extended for another three years. JIMEK Poznań Game Arena 2026 Inside Seaside 2026 Fitch Ratings upgraded the Bank's long- term rating to investment grade "BBB- " and its short-term rating to "F3". In addition, Fitch upgraded the bank's long-term domestic rating to "A(pol)", the Viability Rating (VR) to "bbb-" and the long-term deposit rating to "BBB". The outlook for the Bank's long-term rating and its long-term domestic rating is stable. Fitch upgrades Alior Bank's rating to investment grade "BBB-"
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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 (1.99%). In addition, the Group has 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: 19.85% 214% 146% 3Q 25 245% 149% 4Q 25 236% 152% 1Q 26 258% 152% 2Q 26 254% 155% 3Q 26 LCR NSFR 20.75% 17.65% 3Q 25 21.43% 17.63% 4Q 25 21.60% 17.85% 1Q 26 21.72% 17.57% 2Q 26 21.76% 17.45% 3Q 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 September 2026 significantly exceed the regulatory minimums*, respectively: 696 bps (PLN 4.3 bn) and 496 bps (PLN 3.1 bn). The consolidated MREL TREA ratio of Alior Bank Group at the end of September 2026 was 21.76% (191 bps above the requirement**). Fitch Ratings upgraded the Bank's rating to investment grade BBB- (stable outlook); currently, both Fitch Ratings and S&P Global Ratings assign the Bank an investment grade rating.
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The cost of risk ratio (CoR%) for the period 1-3Q 26 was 0.61%, in line with the Bank’s previous communication. In 3Q 26, the level of CoR% in the Business Client segment was positively influenced by the increased growth of collateral realization and recoveries from off- balance sheet exposures. Despite the demanding external environment (essentially including macroeconomic and geopolitical). The Bank does not observe any negative trends in the loan portfolio. 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 improved the quality of its assets, which is reflected in the decline in the NPL ratio to 4.97% at the end of 3Q 26. The path of reducing the share of impaired loans in the Bank's portfolio is even faster than the adopted NPL reduction strategy, which assumed that the NPL ratio would be below 5% at 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 0.61% 1-3Q 26 13.16% 2019 14.48% 2020 11.77% 2021 9.80% 2022 8.58% 2023 6.81% 2024 5.64% 2025 4.97% 3Q 26 Alior Bank Group – NPL ratio Alior Bank Group – cost of risk (CoR%)
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CoR% ** CONSISTENT IMPROVEMENT OF CREDIT RISK * Managerial presentation ** By quarter (QTD) 6.29% 3Q 25 5.64% 4Q 25 5.39% 1Q 26 5.16% 2Q 26 4.97% 3Q 26 4.16 3.62 3.64 3.37 3.28 Stage 3 NPL Ratio (%) Impaired loans (PLN bn) NPL reserve coverage ratio* 52.7% 3Q 25 50.4% 4Q 25 51.4% 1Q 26 50.7% 2Q 26 50.9% 3Q 26 0.72% 3Q 25 0.29% 4Q 25 0.67% 1Q 26 0.74% 2Q 26 0.41% 3Q 26 Impaired loans – segments 2.78% 12.95% 3Q 25 2.30% 11.90% 4Q 25 2.41% 11.35% 1Q 26 2.10% 11.18% 2Q 26 2.17% 10.61% 3Q 26 Retail Segment Corporate Segment (excl. BSB / Repo) NPL provision coverage* – segments 59.7% 50.1% 3Q 25 59.3% 47.2% 4Q 25 59.9% 48.2% 1Q 26 58.2% 48.1% 2Q 26 58.6% 47.9% 3Q 26 Retail Segment Corporate Segment CoR% – segments** 0.62% 0.89% 3Q 25 -0.10% 0.96% 4Q 25 0.77% 0.49% 1Q 26 0.01% 1.98% 2Q 26 0.75% -0.19% 3Q 26 Retail Segment Corporate Segment
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4 FINANCIAL RESULTS
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STABLE REVENUES, DESPITE THE DECLINE IN INTEREST RATES 240 244234 1 265 221 241 1 3141 296 1 248 1 276 1 3Q 25 -15 4Q 25 29 1Q 26 2Q 26 1 531 1 490 1 498 1 366 3Q 26 1 518 -403-153 Total revenue (PLN m) 666 706 3 870 3 838 -15 1-3Q 25 -153-9 1-3Q 26 4 521 4 381 TSUE adjustment Net interest income Net fee and commission income Other income -43% y/y -1% y/y +6% y/y - % y/y +1% y/y +4% y/y In 3Q 26 the Bank recognized an additional PLN 78.6 m of provisions for disputes (included in other operating expenses) PLN -139 m (-3%) PLN +14 m (~0%)* * Revenue growth taking into account the adjustment of net interest income of PLN 153.2 m, 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. -14 PLN m(-1%)
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NET PROFIT AFFECTED BY A HIGHER TAX RATE 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 463.1 562.8 687.7 403.2 96.5 366.6 473.2 1-3Q 25 1-3Q 26 1 339.6 1 679.4 96.5 1 243.1 Net profit (PLN m) PLN -436 m (-26%) PLN -340 m (-20%)* PLN -90 m (-16%) TSUE adjustment Reported Net Profit * Net profit growth taking into account the adjustment of net interest income in the amount of PLN 153.2 m, 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 96.5 m • The net profit of the Alior Bank Group in 3Q 26 amounted to PLN 473 m and was PLN 90 m ( -16%) lower compared to the result in 3Q 25 • The decrease in net profit y/y was mainly due to: provisions for disputes increased by PLN 54 m and a CIT tax higher by PLN 102 m than a year ago (the tax rate in 3Q 26 was 36% compared to 23% a year ago) PLN +107 m (+29%) PLN +10 m (+2%)* TSUE adjustment Reported Net Profit
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Net interest income amounted to PLN 1.314 bn in 3Q 26 and was 1% higher than in 3Q 25 Net profit in 3Q 26 amounted to PLN 473 m and was 16% lower than in 3Q 25 In 3Q 26 the ROE ratio was 14.9% Hedging transactions on derivatives supported the Bank's net interest income. Their positive impact in 3Q 26 amounted to PLN +31 m. For comparison, in 2Q 26, this impact amounted to PLN +17 m and PLN -57 m in 3Q 25. The tax rate in 3Q 26 was 36% vs. 23% in 3Q 25 * CIT and banking tax ** The CJEU's judgment of April 23, 2026, made it necessary to make an adjustment to net interest income in 2Q 26, which translated into a lower 2Q 26 net profit by PLN 96.5 m. STABLE REVENUE AND HIGH PROFIT DESPITE THE DECLINE IN INTEREST RATES AND A HIGHER TAX RATE PLN m 3Q25 3Q26 % y/y I-IIIQ 25 I-IIIQ 26 % y/y Total Income, including: 1 531 1 518 -1% 4 521 4 381 -3% Net Interest Income 1 296 1 314 1% 3 870 3 684 -5% Fee & Commission Income 234 244 4% 666 706 6% Other Income 1 -40 - -15 -9 -43% General administrative expenses -565 -575 2% -1 730 -1 756 2% Net expected credit losses -124 -74 -41% -278 -321 16% Cost of fx mortgage legal risk -41 -54 31% -101 -103 2% Tax* -238 -341 44% -731 -956 31% Net Profit 563 473 -16% 1 679 1 243 -26% C/I (%) 36.9% 37,9% +1 pp. 38.3% 40.1% +1.8 pp. NIM (%) 5.61% 5,17% -0.44 pp. 5.74% 5.02% -0.72 pp. COF (%) 1.73% 1,47% -0.25 pp. 1.80% 1.51% -0.29 pp. ROE (%) 18.9% 14,9% -4 pp. 19.2% 13.0% -6.2 pp.
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Net interest income (PLN m) * Revenue from loans, purchased receivables, and leasing, excluding the impact of the adjustment related to the CJEU judgmentof April 23, 2026. VOLUME GROWTH STABILIZES THE INTEREST INCOME -9% y/y -19% y/y +10% y/y 1 311 1 240 1 192 1 189 1 197 433 410 441 462 478 -447 -385 -385 -375 -361 -153 3Q 25 4Q 25 1Q 26 2Q 26 1 296 1 265 1 248 1 122 3Q 26 1 3141 6331 6501 743 1 6751 650 Other Interest Income Loans Interest Income* Interest Cost TSUE adjustment 1 296 1 265 1 248 1 122 1 314 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 1 276 Interest income and expense (PLN m) TSUE adjustment Net interest income PLN +18 m (+1%) PLN -69 m (-4%) -153
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* Managerial presentation, QTD, adjusted net interest margin (adj. NIM) was calculated without taking into account the PLN 153.2 m 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 153.2 m of interest income in 2Q 26 REDUCTION OF THE COST OF FINANCING AND AN EFFECTIVE HEDGING POLICY SUPPORT THE STABILIZATION OF THE INTEREST MARGIN 80.2% 3Q 25 77.1% 4Q 25 78.5% 1Q 26 76.6% 2Q 26 75.5% 3Q 26 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 1.47% 5.17% 3Q 26 CoF NIM NIM adjusted NIM and CoF* L/D ratio C/I ratio 36.9% 37.9% 3Q 25 37.9% 39.0% 4Q 25 42.1% 37.8% 1Q 26 40.3% 37.7% 2Q 26 37.9% 39.3% 3Q 26 C/I reported C/I normalized**
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-9% y/y +13% y/y +5% y/y +13% y/y -2% y/y +54% y/y -1% y/y The increase in net brokerage commission income by approx. PLN 11 m y/y was mainly due to the growing volume of assets in investment funds, as well as to the increase in the activity of retail clients trading on the WSE The increase in the result on insurance sales by approx. PLN 3 m y/y was mainly due to an increase in insurance revenues related to mortgage loans A +6% Y/Y INCREASE IN COMMISSION INCOME DUE TO RISING BROKERAGE COMMISSION REVENUE 47 45 42 49 50 20 20 23 23 23 58 60 57 56 57 21 28 29 32 32 84 82 73 79 82 21 20 18 18 19 -18 -16 -21 -17 -20 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 234 240 221 241 244 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 m) 134 140 53 69 170 171 62 93 236 235 59 55 -47 -58 1-3Q 25 1-3Q 26 666 706 -6% y/y +31% y/y +5% y/y +24% y/y ~0% y/y +51% y/y +1% y/y PLN +10 m (+4%)PLN +40 m (+6%)
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* General management expenses include taxes and fees -% y/y -4% y/y +7% y/y +8% y/y On a cumulative basis, since the beginning of the year, operating expenses, adjusted for the cost of the Bank Guarantee Fund, amounted to PLN 1670 m and increased by 2% y/y (by PLN 36 m) Operating costs amounted to PLN 575 m in 3Q 26 and increased by 4% (by PLN 21 m) compared to operating costs in 3Q 25, adjusted for the cost of the Bank Guarantee Fund. The increase in operating costs was mainly due to an increase in employee costs by 7% y/y (by PLN 23 m) The Bank estimates that throughout 2026 the increase in operating costs, excluding the costs of the Bank Guarantee Fund, will not be higher than the increase resulting from inflation A MODEST INCREASE IN OPERATING COSTS DUE TO AN INCREASE IN EMPLOYEE COSTS BFG costs General and administrative* Employee expenses Amortization and depreciation Operating costs excluding BFG costs Operating costs (PLN m) -10% y/y +1% y/y +3% y/y +3% y/y PLN +10 m (+2%)PLN +26 m (+2%) 64 65 62 64 69 312 302 337 317 334 178 188 145 169 172 100 100 100 100 87100 100 100 100 100 11 3Q 25 11 4Q 25 1Q 26 2Q 26 3Q 26 575544554 554 631 565 565 551 190 195 961 989 482 485 100 10097 87100 100 1-3Q 25 1-3Q 26 1 730 1 756 1 6701 634
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WE ARE IMPLEMENTING OUR AMBITIOUS STRATEGY „ALIOR BANK. OR NOTHING.” FOR 2025-2027 Key indicators for 3Q 26 Operational Excellence Scaling Up High Reslience PLN 1.52 BN IN REVENUE -1% 3Q/3Q PLN 473 M IN PROFIT -16% 3Q/3Q 14.9% ROE -4.0 pp. 3Q/3Q 37.9% C/I +1.0 pp. 3Q/3Q 4.97% NPL -1.32 pp. 3Q/3Q
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5 OTHER ISSUES
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-20 -10 0 10 20 Jun-20 Jun-21 Jun-22 Jun-23 Jun-24 Jun-25 Jun-26 -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 INVESTMENT ACCELERATION Source: GUS, NBP, Bloomberg, own analysis DAM Alior Economic growth in Poland in 2Q 26 accelerated compared to 1Q 26, despite the ongoing oil shock. In 3Q 26, we expect GDP growth to be similar as in 2Q 26 (approx. 4% y/y). In 2Q 26, there was a significant acceleration of the recovery in investments. In the entire economy, demand in this area grew by 8.4% YoY vs. 2.4% YoY in 2Q 26 The investment recovery is driven by the concentration of spending of funds from the National Recovery Plan, which will also have a positive impact in the second half of this year. In the background, we are observing a strong acceleration in the growth of investments in the private sector, especially in larger companies. Private consumption slowed down growth slightly in 2Q 26 in response to concerns arising from the war in the Middle East, higher fuel prices, and slower wage growth. In 3Q 26, we observe a stabilization of the recovery rate. In 3Q 26, inflation accelerated in response to the prolonged oil shock and approached the upper limit of the NBP inflation target. In such an environment, the MPC stabilized interest rates, but signaled a growing probability of rate hikes. Growing inflation risksAcceleration in a challenging environment Investment recovery accelerates CPI, Poland (%, y/y) Corporate investments (%, y/y, constant prices), Poland GDP growth (in real terms, %, y/y) and its composition (pp.), Poland -15 -10 -5 0 5 10 15 20 25 30 Aug-16 Aug-17 Aug-18 Aug-19 Aug-20 Aug-21 Aug-22 Aug-23 Aug-24 Aug-25 Aug-26 PPI PPI przetwórstwo przemysłowe Inflacja CPI 2,5% household consumption inventory public spending net exports investments GDP PPI - manufacturing CPI
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-2 0 2 4 6 8 10 Feb-21 Oct-21 Jun-22 Feb-23 Oct-23 Jun-24 Feb-25 Oct-25 Jun-26 Stopa Fed (górny przedział) Stopa depozytowa EBC inflacja CPI, USA 0 200 400 600 800 Oct-20 Oct-21 Oct-22 Oct-23 Oct-24 Oct-25 Oct-26 Niemcy Francja INFLATION VS INVESTMENT DEMAND Source: Bloomberg, own analysis DAM Alior High hydrocarbon prices, including gas prices in particular, are giving an increasingly clear impetus to electricity price increases in the EU. This means that the effects of the oil shock are gradually spreading out, although so far the scale of the inflationary impulse is significantly smaller than during the energy shock related to the outbreak of the war in Ukraine. In such a difficult environment, the global economy, including the EU economy, is doing better than expected. In 2Q 26, the GDP of the Euro zone grew by 1.2% YoY vs. 0.6% YoY in 1Q 26. Demand is supported by several factors: global acceleration of investment in high technologies, increased expenditure on militaries, or also expenditure on infrastructure (i.e., in Germany). The global recovery in industry, driven by investment demand, is accompanied by an improvement in the economic situation in services. On the other hand, there is a moderate cooling of consumer demand, caused by an increase in the cost of living and inflation. The rebound in inflation was met with a reaction from the main central banks. They reacted much faster than in the inflationary episode of 2021-2022 and raised interest rates in response to a moderate increase in inflation, signaling the possibility of further tightening of monetary policy. The oil shock pushes up energy prices in the EU Wholesale electricity prices (EUR/MWh, 1M) Banks react faster to inflation New capital goods orders excluding military and aircraft (USD bn, seas. adj., per month), US Investment spike in the area of high technologies Fed and ECB rates vs inflation 50 55 60 65 70 75 80 85 90 Aug-10 Aug-12 Aug-14 Aug-16 Aug-18 Aug-20 Aug-22 Aug-24 Aug-26 Germany France Fed rate (upper bound) EBC deposit rate CPI, USA
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5,3 0,2 3,2 3,6 3,8 3,0 -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) 14,4 11,4 3,6 3,6 3,0 3,0 6,75 5,75 5,75 4,00 3,75 3,50 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 (%) 2026: THE PEAK OF THE RECOVERY Source: GUS, NBP, DAM Alior forecasts (economic September’26, banking sector June’26) The economic recovery in Poland in 2026 is supported by a marked acceleration in investment and hampered by a cooling of private consumption. The destabilization related to the war in the Middle East has so far had a limited impact on the broad economic situation. The acceleration in investment demand is entering its culminating phase and is particularly strong due to the concentration of spending from the NRP. In the coming quarters, we expect a more pronounced cooling of investment growth, but the recovery should continue, with spending from the EU budget and large domestic investment projects picking up. In private consumption, we expect a gradual slowdown in consumer potential - the main factors are demographics and cooling wage growth. The oil shock is also currently having a negative impact. Inflation will move to higher levels due to the energy shock compared to recent trends and leave the band of deviations from the NBP target (2.5% +/- 1 pp.), but rather temporarily. The likelihood of tightening of the NBP's monetary policy is increasing. However, the potential for possible interest rate hikes is limited. Risks to forecasts in this area, mainly resulting from the development of the global geopolitical situation, remain elevated. In 2026-2027, we expect the credit recovery to continue, culminating in 2026. Despite everything, the deposit base will continue to grow faster than the value of loans. Economic growth supports lending GDP and main components, Poland Inflation outlook with elevated risks Inflation and interest rates, Poland 2024 2025 2026P 2027P Economic indicators GDP (real, %, y/y) 3.0 3.8 3.8 3.0 Investments (real, %, y/y) -0.9 4.9 8.9 3.3 Private consumption (real, %, y/y) 2.9 4.0 3.0 2.6 CPI - average (%, y/y) 3.6 3.6 3.0 3.0 Unemployment rate - average (%) 5.1 5.4 5.9 5.8 NBP base rate - EoP (%) 5.75 4.00 3.75 3.50 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 (%, r/r) NBP base rate – EoP (%) 5.3 0.2 3.2 3.6 3.8 3.0 6.75 14.4 5.75 11.4 3.6 3.6 3.0 3.0 5.75 4.00 3.75 3.50
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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 LOAN PORTFOLIO 26 215 26 095 26 329 43 079 45 294 46 070 3Q 25 2Q 26 3Q 26 69 294 71 390 72 398 +4% +1% Retail Segment Corporate Segment 22 316 25 166 26 069 20 763 20 129 20 000 3Q 25 2Q 26 3Q 26 43 079 45 294 46 070 +7% +2% Consumer loans Loans for real estate 1 640 1 518 1 742 4 239 4 694 4 549 5 620 4 622 4 421 7 752 7 534 7 650 6 964 7 726 7 967 3Q 25 2Q 26 3Q 26 26 215 26 095 26 329 0% / 0%** +1% / 0%** Alior Leasing Large SME Micro Reverse Repo/BSB Business Customer Segment* (PLN m) Sturcture of the Business Customer portfolioStructure of the Retail Customer portfolio Retail Customer Segment (PLN m)Loan portfolio in total (PLN m) Structure of the total loan portfolio 20 30 40 50 60 70 80 62% 38% 3Q 25 64% 36% 4Q 25 62% 38% 1Q 26 63% 37% 2Q 26 64% 36% 3Q 26 40 45 50 55 60 48% 52% 3Q 25 48% 52% 4Q 25 46% 54% 1Q 26 44% 56% 2Q 26 43% 57% 3Q 26 Consumer loans Loans for real estate 0 5 10 15 20 25 30 35 3Q 25 29% 30% 22% 16% 2% 4Q 25 27% 29% 17% 27% 8% 1Q 26 30% 29% 18% 30% 18% 21% 6% 2Q 26 30% 29% 17%16% 17% 6% 7% 3Q 26 18% 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 M) 14 243 14 921 15 058 8 586 7 399 8 096 355 3Q 25 274 2Q 26 472 3Q 26 23 184 22 595 23 627 +2% +5% Other liabilities Term deposits Current deposits 41 656 47 372 49 124 15 434 16 616 16 439312 3Q 25 296 2Q 26 315 3Q 26 57 402 64 284 65 877 +15% +2% Other liabilities Term deposits Current deposits 41 656 47 372 49 124 14 243 14 921 15 058 15 434 16 616 16 4398 586 7 399 8 096667 570 787 3Q 25 2Q 26 3Q 26 80 586 86 878 89 504 +11% +3% 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% 3Q 25 71% 28% 4Q 25 71% 28% 1Q 26 72% 28% 2Q 26 72% 27% 3Q 26 Current deposits Term deposits 0 20 40 60 80 100 73% 27% 3Q 25 73% 27% 4Q 25 74% 26% 1Q 26 74% 26% 2Q 26 75% 25% 3Q 26 Current deposits Term deposits 0 20 40 60 80 100 61% 37% 3Q 25 67% 32% 4Q 25 64% 35% 1Q 26 66% 33% 2Q 26 64% 34% 3Q 26 Current deposits Term deposits
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+5% YTD +9% YTD +6% YTD +11% YTD -5% YTD ASSET STRUCTURE OF ALIOR BANK GROUP (PLN BN) 2021 2022 2023 20242020 3Q 26 26.5 2025 78.6 83.0 82.9 90.1 93.3 101.8 108.3 6.7 15.7 56.2 8.7 16.1 58.2 8.3 17.0 57.6 10.3 18.8 7.0 23.6 62.7 9.8 61.0 65.5 9.3 29.3 69.7 +38% +6% Other assets Financial assets Loans and advances to customers 2021 2022 2023 2024 2025 3Q 26 44.9 62.7 56.2 58.2 57.6 61.0 2020 65.5 69.7 22.3 33.9 21.8 36.4 22.4 35.2 23.0 38.0 22.9 39.8 22.7 42.7 24.7 +24% +6% Corporate Loans Retail Loans Alior Bank Group assets Receivables from customers (net)
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+7% YTD +5% YTD -4% YTD +14% YTD +25% YTD0% YTD -3% YTD +8% 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) 2021 2022 2023 20242020 3Q 26 82.6 2025 78.6 83.0 82.9 90.1 93.3 101.8 108.3 6.3 65.8 6.6 5.6 71.5 5.9 6.7 70.0 6.2 7.8 73.1 5.2 76.9 11.2 6.2 9.2 13.0 6.1 89.5 12.6 +38% +6% Other liabilities Amounts due to customers Equity Alior Bank Group liabilities Liabilities to customers* 2020 2021 2022 0.5 2023 0.7 2024 0.6 2025 0.8 3Q 26 15.765.8 71.5 70.0 73.1 76.9 82.6 89.5 0.64.3 7.2 16.4 37.2 0.55.4 5.7 17.3 42.6 0.55.5 15.0 13.9 35.1 7.9 14.1 36.3 7.4 15.1 15.0 38.8 7.5 14.2 15.6 43.1 8.1 16.4 15.1 49.1 +36% +8% Other Term deposits (Corpo) Term deposits (Retail) Current deposits (Corpo) Current deposits (Retail)
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INCOME STATEMENT PLN m 3Q 25 3Q 26 % y/y y/y 1-3Q 25 1-3Q 26 % y/y y/y Total Income 1 531.3 1 517.7 -1% -13.6 4 520.6 4 381.4 -3% -139.2 Net interest income 1 296.1 1 313.7 1% 17.6 3 870.1 3 684.4 -5% -185.7 Net fee and commission income 233.9 243.9 4% 9.9 665.5 705.5 6% 40.0 Other income 1.2 -39.9 - -41.1 -15.0 -8.6 -43% 6.4 Total costs -804.6 -778.7 -3% 25.87 -2 323.7 -2 403.7 3% -79.9 General administrative expenses -564.8 -574.8 2% -10.0 -1 730.2 -1 756.4 2% -26.2 Impairment of non-financial assets -0.6 -0.6 6% 0.0 -1.3 -1.4 8% -0.1 Net expected credit losses -123.8 -73.5 -41% 50.3 -277.6 -320.8 16% -43.2 Cost of fx mortgage legal risk -41.4 -54.1 31% -12.7 -101.0 -103.5 2% -2.5 Banking tax -74.0 -75.7 2% -1.7 -213.6 -221.5 4% -8.0 Gross profit 726.7 739.0 2% 12.3 2 196.9 1 977.7 -10% -219.2 Income tax -163.9 -265.7 62% -101.8 -517.5 -734.6 42% -217.1 Net profit 562.8 473.2 -16% -89.6 1 679.4 1 243.1 -26% -436.3 Net interest margin (NIM) 5.61% 5.17% - -0.44 pp. 5.74% 5.02% - -0.72 pp. Cost of funding (CoF) 1.73% 1.47% - -0.25 pp. 1.80% 1.51% - -0.29 pp. Cost of risk (CoR) 0.72% 0.41% - -0.32 pp. 0.55% 0.61% - +0.06 pp. Cost / Income ratio (C/I) 36.9% 37.9% - +1 pp. 38.3% 40.1% - +1.8 pp. Loan / Deposit ratio (L/D) 80.2% 75.5% - -4.7 pp. 80.2% 75.5% - -4.7 pp. Return on equity (ROE) 18.9% 14.9% - -4 pp. 19.2% 13.0% - -6.2 pp. Total Capital Ratio (TCR) 17.65% 17.45% - -0.2 pp. 17.65% 17.45% - -0.2 pp.
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BALANCE SHEET OF ALIOR BANK GROUP (PLN M) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 % q/q q/q % y/y y/y Total assets 97 742.1 101 775.0 104 718.2 106 635.7 108 292.5 2% 1 656.9 11% 10 550.4 Cash and cash equivalents 3 382.7 4 062.9 1 570.5 3 895.9 3 879.1 0% -16.8 15% 496.4 Amounts due from banks 878.3 2 203.1 2 353.4 2 200.1 2 030.9 -8% -169.3 131% 1 152.5 Debt securities and derivatives 24 398.4 26 509.3 28 491.7 27 952.3 29 302.0 5% 1 349.7 20% 4 903.6 Derivative hedging instruments 409.8 659.6 389.7 619.6 343.4 -45% -276.2 -16% -66.4 Loans and advances to customers 66 135.8 65 451.5 68 937.2 68 615.0 69 663.1 2% 1 048.1 5% 3 527.4 Assets pledged as collateral 18.3 0.0 0.0 509.7 202.2 -60% -307.5 1002% 183.8 Property, plant and equipment 643.4 829.1 813.4 745.1 751.6 1% 6.5 17% 108.2 Intangible assets 508.2 551.0 561.0 574.6 594.3 3% 19.7 17% 86.1 Aktywa przeznaczone do sprzedaży 0.0 0.0 0.0 58.4 58.2 0% -0.2 - 58.2 Income tax asset 710.2 724.1 742.7 666.3 777.9 17% 111.6 10% 67.7 Other assets 657.1 784.4 858.6 798.8 690.1 -14% -108.7 5% 33.0 Total liabilities and equity 85 581.2 88 792.0 91 585.5 94 122.1 95 646.4 2% 1 524.3 12% 10 065.2 Amounts due to banks 254.8 589.2 457.6 1 413.6 342.5 -76% -1 071.1 34% 87.6 Amounts due to customers 80 585.5 82 620.6 85 413.8 86 878.3 89 503.8 3% 2 625.5 11% 8 918.3 Financial liabilities 201.0 327.1 371.1 314.7 366.4 16% 51.8 82% 165.4 Derivative hedging instruments 142.7 69.0 123.2 25.4 338.6 1232% 313.2 137% 195.9 Fair value changes of the hedged items in portfolio hedge 102.8 202.1 -103.1 133.5 -390.7 - -524.2 - -493.5 Provisions 375.4 404.0 402.4 425.3 511.9 20% 86.6 36% 136.5 Other liabilities 1 818.9 2 039.7 2 506.6 2 221.0 2 116.7 -5% -104.3 16% 297.8 Income tax liabilities 210.4 218.4 56.9 16.2 100.2 520% 84.0 -52% -110.2 Liabilities from the issuance of debt securities 1 889.5 2 321.9 2 357.0 2 694.0 2 756.9 2% 62.8 46% 867.4 Equity 12 160.9 12 983.0 13 132.7 12 513.6 12 646.2 1% 132.6 4% 485.2 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 8 655.3 8 655.3 8 655.3 9 901.1 9 901.1 0% 0.0 14% 1 245.8 Revaluation reserve 277.4 407.6 154.7 334.8 -5.9 - -340.7 -102% -283.3 Other reserves 161.8 161.8 161.8 161.8 161.8 0% 0.0 0% 0.0 Accumulated losses 81.6 85.7 2 452.3 40.6 40.6 0% 0.0 -50% -41.0 Profit for the period 1 679.4 2 367.0 403.2 769.8 1 243.1 61% 473.2 -26% -436.3 Total liabilities and equity 97 742.1 101 775.0 104 718.2 106 635.7 108 292.5 2% 1 656.9 11% 10 550.4
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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 M) 2 446 2 347 1 885 2 432 2 184 2 769 2 521 2 773 1 389 2 258 2 061 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 -18% -9% 1 346 1 181 1 138 1 704 1 279 1 301 1 318 1 835 1 144 1 007 931 1 640 682 605 743 983 1 316 1 278 1 420 1 810 1 952 1 833 1 571 1 679 1 632 2 007 2 186 2 101 2 025 1 965 2 310 2 339 2 545 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 4 557 3 542 3 375 4 455 4 448 4 717 4 621 5 219 5 264 5 298 5 309 +15% 0% Cash Loan Mortgage Loan Consumer Finance Loan -29% y/y +26% y/y +43% 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 3Q 26 by 349 k y/y was primarily the result of terminations of inactive accounts in 1Q 26 6 304 6 236 6 177 6 100 6 061 474 479 500 503 503 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 6 779 6 715 6 677 6 603 6 563 -215 (-3%) -39 (-1%) 318 311 307 301 296 168 168 166 158 158 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 486 479 473 459 454 -32 (-7%) -5 (-1%) Branches* Agencies 4 403 4 468 4 205 4 133 4 054 251 3Q 25 252 4Q 25 251 1Q 26 251 2Q 26 250 3Q 26 4 654 4 720 4 456 4 384 4 304 -350 (-8%) -81 (-2%) Corporate Segment Client Retail Segment Client -4% y/y +6% y/y -7% y/y -6% y/y -8% y/y ~0% y/y Employment (FTE) Alior Bank’s branches Number of customers (k) Subsidiaries Alior Bank
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Oct 25 Nov 25 Dec 25 Jan 26 Feb 26 Mar 26 Apr 26 May 26 Jun 26 Jul 26 Aug 26 Sep 26 Oct 26 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% Other 34.9 OFE 33.2% Rate of return of 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 137.70 (data as of September 30, 2026) Capitalization: PLN 18.0 bn Value of shares in free float: PLN 8.0 bn P/BV**: 1.4x P/E***: 9.3x Kod ISIN: PLALIOR00045 GPW: ALR Bloomberg: ALR PW Reuters: ALRR.WA Rating S&P: long-term: BBB- outlook stable Rating Fitch: long-term: BBB- outlook: stable 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 30.09.2026 *** based on the reported net profit of the Alior Bank Group from 4Q 25 to 3Q 26 +44.5% y/y +73.7% y/y +48.0% y/y +47.9% y/y ALIOR BANK S.A. STOCK PERFORMANCE, SHAREHOLDING, RATINGS Shareholding structure*
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Investor Relations e-mail: ir@alior.pl CONTACT DATA ADDRESS MORE INFORMATION Alior Bank S.A. Investor Relations ul. Chmielna 69 00-801 Warszawa Youtube channel Website Facebook fanpage X profile Internet LinkedIn profile KOLEJNE WYDARZENIA: ▪ Wyniki za 3 kw. 2026 – 27 października 2026 r. 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 3Q 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