Slides
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BNP PARIBAS BANK POLSKA SA GROUP 6 November 2025 Q3 2025 RESULTS PRESENTATION
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Agenda 01 02 03 04 05 06 Key highlights Financial results Business activities Appendices Summary & Outlook Macroeconomic environment
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Key highlights 0101
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4K E Y H I G H L I G H T S 4K E Y H I G H L I G H T S Key achievements of BNP Paribas Bank Polska Group – Q3 2025 Increase in loan volumes in both segments. Solid level of net profit due to cost control and lower impact of CHF loan portfolio legal risk F I N A N C I A L R E S U L T S B U S I N E S S A C T I V I T Y S T R A T E G Y & T R A N S F O R M A T I O N net profit NBI NIM gross loans C/I ROE 18.1 % -1 pp q/q ~0 pp y/y PLN 91.4 bn +2% q/q +2% y/y 3.4 % -11 bps q/q -52 bps / PLN -7% / -7% / 2.0 bn -7%* q/q -2%* y/y PLN 696 m -5% q/q +9% y/y 41.6 % ~0 pp q/q -2 pp y/y * w/o credit holidays impact • NBI lower due to lack of comparable non-interest income (one-offs) • Operating expenses under control at a level similar to the previous quarter • Lower negative impact of CHF mortgage loan portfolio legal risk • Significant increase in sales and value of mortgage and consumer loans • Further increase in the value of Retail investment products • Growth in acquisition of Individual Customers • Increase in loan sales and volumes for Institutional Customers • Final stage of the GObeyond Strategy • Achieving financial goals above the assumed levels • Business objectives exceeded in the Corporate, Affluent and Wealth Management segments • Areas for further development: SMEs and Mass Customers -27 bps* y/y
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5K E Y H I G H L I G H T S GObeyond Strategy 2022-25 Key achievements in Q3 2025 * The value calculated according to the Bank’s internal methodology. The sustainable loan portfolio defined as ESG Rating-Linked Loans, Sustainability-Linked Loans as well as the financing with positive environmental and social impact. P O S I T I V E UP S T R O N G E R T O G E T H E R 247 robots 13.1 thous. hours PLN 11.4 billion in the Bankier.pl ranking for the Moje Konto Premium account 1st place supporting the Bank’s operations of employee volunteering by the end of September In sustainable financing as at the end of September 2025* New in offer: – for Corporate Customers: transactions in CO2 emission allowances under the ETS – for SMEs: Envirly platform (carbon footprint management tool) – Sustainable financing: IGLOTEX Group (PLN 84.9 million consortium), Polska Grupa Biogazowa (PLN 610 million, consortium) • The main award for the Best Sustainable Credit Financing and the distinction for the Best Financing in the Sustainability- Linked Formula awarded by the Sustainable Investment Forum Poland New in offer: • Pupil Debit Card for pet enthusiast and owners • GOwadia Plus – an application integrated with GOonline Biznes for handling tender settlements • InvestEU Fund-backed loan - a new solution on the market for SMEs and Small MidCap companies for investments in modern technologies, research and development Establishing a strategic financial cooperation with RTV Euro AGD • Partner Startup Booster by Huge Thing – a program for startups to test breakthrough solutions as part of the "Proof of Concept" path • Chatbot GENiusz – extension of the scope of activity to include Digital Accessibility and Operations areas • ”Cyfrowa Wyprawka” – the Bank has joined the PFR initiative supporting the SME sector in digital transformation • 1st place in three categories at the Global Transaction Banking Innovation Awards 2025, organized by The Digital Banker • ”The Best of the Best” award for the 2024 Bank's Report in the IRiP competition • Initiatives supporting employee well-being: ”2 hours for Health” campaign, Parenting Days • Three wins in the Employer Brand Management Awards for the #UNEXPECTEDJOBS campaign • Maximum score in ”Financial Institutions Supporting Professional and Social Equality of LGBT+ Persons” ranking by cashless.pl • Support for children and young people in financial and cyber security education - under the ”Misja Edukacja” program
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6K E Y H I G H L I G H T S Retail Banking q/q y/y INVESTMENT PRODUCTS* PERSONAL ACCOUNTS MORTGAGE LOANS GOMOBILE PAYMENTS No. of transactions CASH LOANS Customer business activity – sales & transactional volumes Corporate & SME Banking PAYMENT VOLUME ACTIVE CUSTOMERS SME CORP. SME CORP. q/q y/y * Investment funds, structured certificates and investment deposits 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 -1% -6% +10% +30% 0% +11% +91% +359% 0% +28% 0% -2% +1% +2% Dynamic growth in sales of mortgage loans and investment products We support our Customers in business development We actively participate in key market transactions
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7K E Y H I G H L I G H T S Number of Customers [thous.] Loan and deposit volumes Gross loans [PLN million] Customer deposits [PLN million] Market share 89,493 88,387 89,637 89,280 91,442 5.8% 5.7% 5.7% 5.6% 5.6% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 +3.1% q/q +2.1% q/q 5.5% 5.7% 5.3% 5.2% 5.3% 122,098 130,475 126,560 128,812 129,255 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 +0.5% q/q +0.2% q/q 4,087 4,001 3,959 3,855 3,842 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 -0.5% q/q +0.9% q/q +2.4% q/q +2.2% y/y +0.3% q/q +5.9% y/y Market share -0.3% q/q -6.0% y/y Noticeable increase in loan volumes across both Customer segments. Deposit base management focused on optimizing the cost of financing continued increase in Individual Customer deposits slight increase in Institutional Customer deposits increase in the number of Institutional Customers in the Micro and Corporate subsegments growth in Individual Customer loan volumes driven by higher sales of mortgages and consumer loans growth in Institutional Customer loan volumes resulting from expansion of the enterprise and public sector portfolio slight decrease in the total number of Individual Customers (due to the closing of inactive accounts). Increase in the number of Affluent Customers and Private Banking Customers (+2.8% q/q in total)
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8K E Y H I G H L I G H T S Operating expenses [PLN million] Quarterly financial results Net banking income [PLN million] (99) (59) (27) 18 (97) (277) (308) (65) (249) (65) 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Cost of risk CHF portfolio legal risk impact -73.8% q/q -76.5% y/y -630.6% q/q -2.1% y/y Cost of risk and impact of CHF portfolio legal risk [PLN million] 832 789 806 983 761636 509 741 734 696 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Net profit w/o CHF legal risk & credit holidays Net profit -5.2% q/q +9.4% y/y -22.6% q/q -8.6% y/y Net profit [PLN million] High level of net profit. Operating expenses under control and lower impact of CHF portfolio legal and credit risk -6.7% q/q -2.2% y/y -6.7% q/q -6.9% y/y +0.4% y/y +1.8% q/q 2,098 2,016 2,118 2,094 1,955 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 (810) (776) (790) 0 0 (166) (10) (10) (787) (840) (976) (786) (800) 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 BGF +1.7% q/q +1.6% y/y w/o BGF impact BGF * * * Financial results BGF • Decrease in net banking income due to lower non-interest income (lack of one-offs), with a slight decrease in net interest income. • Operating expenses maintained at a similar level, also in y/y terms. • Increase in risk impact costs due to the creation of provisions for Corporate Customer’s receivables. • Significant decrease in the CHF portfolio legal risk impact due to, among others, a lower number of new legal cases.
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9K E Y H I G H L I G H T S ROE [%] Cost / Income [%] Key financial ratios w/o costs of BGF and credit holidays Cost of credit risk [%] Net interest margin on assets [%] (0.28%) (0.28%) (0.12%) (0.02%) (0.16%) 9M 24 12M 24 3M 25 6M 25 9M 25 43.8% 43.2% 46.1% 41.8% 41.6% 40.5% 41.0% 38.2% 37.7% 38.5% 9M 24 12M 24 3M 25 6M 25 9M 25 Maintained high return on equity. Slight C/I improvement despite pressure on the net interest margin following interest rate cuts. Low cost of credit risk 3.95% 3.75% 3.64% 3.54% 3.43% 3.69% 3.67% 3.64% 3.54% 3.43% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 reported value w/o credit holidays impact 18.2% 16.9% 19.0% 18.8% 18.1% 9M 24 12M 24 3M 25 6M 25 9M 25 Financial ratios • Slight improvement in the reported Cost / Income ratio driven by operating expense control. • Decrease in the net interest margin mainly due to the effects of PLN interest rate cuts. • Conservative risk management approach resulting in high loan portfolio quality and low cost of credit risk.
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Macroeconomic environment 0202
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11M A C R O E C O N O M I C E N V I R O N M E N T GDP, economic situation and inflation Economy growth at ~3.5% pace; inflation within the NBP target range Progressing, but uneven growth recovery; export outlook most uncertain Macroenvironment Inflation moving closer to the NBP target Contribution of main components to CPI inflation (pp) -5 -3 -1 1 3 5 -10 -8 -5 -3 0 3 5 8 10 Sep.22 Mar.23 Sep.23 Mar.24 Sep.24 Mar.25 Industrial production (% y/y) Construction output (% y/y) Retail sales (% y/y) GDP (% y/y, right axis) -8 -3 3 8 13 18 Mar.22 Sep.22 Mar.23 Sep.23 Mar.24 Sep.24 Mar.25 Domestic demand (% y/y) Exports (% y/y) GDP (% y/y) 0 3 6 9 12 15 18 21 Jan.19 Oct.19 Jul.20 Apr.21 Jan.22 Oct.22 Jul.23 Apr.24 Jan.25 Consumer goods prices (% y/y) Consumer services prices (% y/y) 0 3 5 8 10 13 15 18 20 Jan.19 Oct.19 Jul.20 Apr.21 Jan.22 Oct.22 Jul.23 Apr.24 Jan.25 Core inflation Food and soft drinks Fuels & Energy Monthly data from industry, trade and construction indicate a moderate acceleration of GDP growth in Q3 – by approx. 3.5% y/y. The pace may approach 4% in the next quarter supported by the utilization of funds from the National Recovery Plan. The external environment remains a factor of uncertainty, especially the decline in orders from the USA, which reduces production in the euro zone and exports from Polish. The announced easing of fiscal policy in Germany is a positive signal. Inflation slows down to 2.9% y/y in Q3 suggests a further increase in real incomes, which should maintain a high pace of consumer spending. We forecast average inflation rates in 2025 at 3.7%. Source: Statistics Poland (GUS), Eurostat, NBP, PFSA, Macrobond, BNP Paribas
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12M A C R O E C O N O M I C E N V I R O N M E N T Monetary policy, exchange rate and the banking sector Monetary Policy Council cutting interest rates Banking sector: growth recovery and lower interest rates strengthen credit demand Source: Statistics Poland (GUS), Eurostat, NBP, PFSA, Macrobond, BNP Paribas The Monetary Policy Council cut interest rates in October with the zloty remaining supported by a positive real interest rate 0 3 5 8 10 13 15 18 20 Jan.20 Oct.20 Jul.21 Apr.22 Jan.23 Oct.23 Jul.24 Apr.25 NBP main policy rate (%) CPI inflation (% y/y) NBP target 4.10 4.20 4.30 4.40 4.50 4.60 4.70 4.80 4.90-12 -10 -8 -6 -4 -2 0 2 4 Jan.18 Apr.19 Jul.20 Oct.21 Jan.23 Apr.24 Jul.25 Real NBP policy rate (%, inverted axis) EUR/PLN rate (right axis) -5 -2 1 4 7 10 13 16 65 70 75 80 85 90 95 100 105 Jan.18 Apr.19 Jul.20 Oct.21 Jan.23 Apr.24 Jul.25 Loans-to-Deposits ratio (%) Deposits of residents (% y/y, right axis) Loans to residents (% y/y, right axis) -10 -5 0 5 10 15 20 Jan.18 Oct.18 Jul.19 Apr.20 Jan.21 Oct.21 Jul.22 Apr.23 Jan.24 Oct.24 Jul.25 Corporate loans (% y/y) PLN-denominated housing loans (% y/y) Consumer loans (% y/y) In October, the Monetary Policy Council again lowered the reference rate by 25 bps to 4.50%. With inflation falling further, we expect further easing of monetary policy and a decline in the NBP reference rate to 3.50% in 2026. Despite lower nominal rates, real rates will remain positive, supporting the stability of the zloty's exchange rate against the euro. The economic recovery and lower interest rates are conducive to the continuation of strong demand for loans from households and businesses. At the same time, in the conditions of a large budget deficit and inflow of funds from abroad, deposits of the non-financial sector are likely to grow faster than loans. Macroenvironment
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Financial results 0303
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14F I N A N C I A L R E S U L T S Key financial data – 9M 2025 Financial results Volumes Indicators Assets PLN 169 billion +6.0% y/y Loans (gross) PLN 91 billion +2.2% y/y Securities PLN 61 billion +25.7% y/y Customer deposits PLN 129 billion +5.9% y/y Investment products PLN 23 billion +24.1% y/y Equity PLN 17 billion +16.0% y/y Total Capital Ratio 17.51% Tier 1 14.15% MREL standalone (% TREA) 22.26% ROE 18% BVPS (PLN) 112.3 Net loans/deposits 69% LCR 237% NIM (net assets, quarterly) 3.43% Net profit PLN 2,171 million +17.4% y/y (PLN +322 million) Net banking income PLN 6,167 million +7.5% y/y (PLN +430 million), of which: net interest income: PLN 4,424 million,+5.3% y/y net fee & commission income: PLN 944 million,+1.1% y/y net trading income: PLN 829 million,+29.0% y/y Expenses PLN -2,563 million +2.0% y/y (PLN -51 million) Expenses (w/o BGF) PLN -2,376 million +0.4% y/y (PLN -9 million) C/I Ratio 41.6% -2.2 pp y/y C/I Ratio (w/o BGF & credit holidays) 38.5% -2.0 pp y/y Impact of CHF portfolio legal risk on P&L PLN -380 million -22.2% y/y (PLN +108 million) Net allowances on expected credit losses PLN -106 million -43.4% y/y (PLN +81 million) PLN 2 billion in net profit driven by improvements across key NBI categories, controlled growth in operational expenses and reduced credit and CHF loans legal risk costs. Growth in operational volumes while strengthening the capital position
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15F I N A N C I A L R E S U L T S Market shares [%] Loan portfolio share in total assets 33,229 32,858 32,815 32,830 33,831 56,264 55,529 56,822 56,450 57,611 89,493 88,387 89,637 89,280 91,442 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Institutional customer loans Individual customer loans +3.1% q/q +2.1% q/q +2.4% q/q +2.2% y/y +2.4% y/y +1.8% y/y 5.8% 5.7% 5.7% 5.6% 5.6% 4.9% 4.8% 4.7% 4.7% 4.7% 6.7% 6.5% 6.5% 6.4% 6.5% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Total Customer loans Individual customer loans Institutional customer loans 53.4% 53.5% 54.4% 54.6% 54.8% 9.5% 9.3% 9.0% 8.6% 8.2% 22.3% 22.4% 22.0% 22.0% 22.3% 0.7% 0.5% 0.4% 0.4% 0.4% 14.1% 14.3% 14.1% 14.4% 14.3% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Institutional customers w/o farmers Farmers PLN mortgages FX mortgages Individual customers other loans 53% Significant change in trend for loan portfolio. Back on the path of growth for both main segments * including the portfolio measured at fair value Gross Customer loans* [PLN million] Gross loans structure [%] Changes in the loan portfolio Individual Customers’ portfolio • increase in the value of mortgage loans (+3.7% q/q, +0.8% y/y) • increase in the value of cash loan portfolio (+1.2% q/q, +2.9% y/y) • Increase in the value of other consumer loans (+3.6% q/q, +4.5% y/y) Institutional Customers’ portfolio • increase in the enterprise loan portfolio (+3.2% q/q, +5.8% y/y), both investment loans and overdrafts • decrease in the portfolio of individual farmers (-2.6% q/q, -11.9% y/y) • decrease in the leasing portfolio (-1.7% q/q, -2.3% y/y) Value of sustainable financing at the end of Q3 2025: PLN 11.4 billion (+4.5% q/q, +10.2% y/y)
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16F I N A N C I A L R E S U L T S Gross CHF mortgage loans [PLN million] Share of CHF housing loans in the Bank's total loan portfolio Lawsuits filed by Customers Ratio of the value in dispute to the CHF portfolio gross book value (GBV) before legal risk adjustment x CHF mortgage loan portfolio Number of settlements concluded with borrowers Gross CHF mortgage loans [CHF million]x x CHF portfolio GBV provision coverage ratio before legal risk adjustment 596 406 375 331 311 1,661 1,675 1,471 1,376 1,267 0.7% 0.5% 0.4% 0.4% 0.3% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 5,120 5,550 5,995 6,348 6,518 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 3,124 3,239 2,988 3,089 2,974 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3,438 3,496 3,429 3,364 3,287 634 531 417 423 335 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Value of claims [PLN million] Number of new claims 152.3% 168.0% 185.8% 197.1% 208.2% 138.4% 155.6% 161.8% 181.0% 188.3% 132 90 86 73 68 Risk going down. 20% decrease in the number of new claims compared to the previous two quarters and 47% y/y IFRS 9 adjustment foreign currency 72.4% 3.3 k Portfolio structure (value) & number of active loans denominated 27.6% 2.6 k In Q3 2025: 335 new lawsuits (in Q2 2025: 423). Out of 4,641 validly concluded proceedings: • 3,346 cases ended unfavourably, • 825 ended with court settlements, • 302 discontinued due to a settlement, • 92 discontinued due to a clearing, • 40 ended favourably. Results of individual negotiations of settlements with Customers as at 30.09.2025: • 14,296 individual settlement offers presented to Customers, • 6,967 negotiation proposals accepted by Customers, • 6,518 settlements concluded. • Impact of the legal risk related to settlements with Customers as at 30.09.2025: PLN 127 million (as at 30.06.2025: PLN 150 million). • In Q3 2025, the Bank used PLN 48 million for concluded settlements and PLN 151 million for the final judgments (Q2 2025: PLN 87 million and PLN 157 million, respectively). Total legal risk impact at the end of the period [PLN million] CHF portfolio coverage ratio -47% y/y
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17F I N A N C I A L R E S U L T S Customer deposits Deposit structure [%] LCR [%]x share in total liabilities and equity 51,285 55,184 55,468 56,268 56,538 70,813 75,290 71,092 72,544 72,717 122,098 130,475 126,560 128,812 129,255 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Individual Customer deposits Institutional Customer deposits 217.5 238.4 286.8 247.2 237.1 5.5% 5.7% 5.3% 5.2% 5.3% 4.2% 4.4% 4.3% 4.3% 4.3% 6.9% 7.1% 6.5% 6.3% 6.4% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Total Customer deposits Individual customer deposits Institutional customer deposits 64.1% 66.1% 62.9% 63.9% 63.6% 35.1% 33.0% 36.3% 34.9% 34.4% 0.9% 0.8% 0.8% 1.1% 1.9% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Current accounts Term deposits Other liabilities 77% +0.3% q/q +5.9% y/y +0.2% q/q +0.5% q/q +10.2% y/y +2.7% y/y Gradual increase in deposits for both Customer segments Changes in the volume and structure of deposits Market shares [%] Customer deposits [PLN million] Growth in deposits from Institutional Customers driven by an increase in deposits from the public sector (+44.0% q/q, +32.1% y/y), despite a decrease in deposits from farmers (-5.2% q/q, -4.9% y/y) and enterprises (-1.8% q/q, +1.4% y/y). Growth in deposits from Individual Customers in the Affluent and Private Banking segments. No significant changes were noted in the term deposit structure.
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18F I N A N C I A L R E S U L T S Investment products [PLN million] Structure of BNP Paribas TFI investment products [%] Investment products * Discretionary Portfolio Management 5,576 5,407 6,258 6,666 6,514 72 68 66 2 2 7,631 8,198 8,928 8,905 9,644 2,198 2,147 2,096 2,086 1,9902,627 2,987 3,400 3,661 4,246 542 529 543 659 742 18,647 19,334 21,290 21,980 23,138 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Instruments on brokerage accounts Unit-linked Insurances BNP Paribas Group Funds Structured products Other funds DPM* 48.0% 49.8% 46.7% 50.3% 57.2% 5.1% 4.8% 5.0% 5.2% 5.1% 38.8% 37.8% 40.9% 36.5% 30.0% 3.0% 2.7% 2.4% 2.4% 2.2% 5.0% 4.8% 5.0% 5.6% 5.5% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Short-terms debt securities funds Stock funds Debt funds Mixed funds Defined date funds (Employee Capital Plan) +5.3% q/q +24.1% y/y Increase in the value of investment funds and Customers’ assets under DPM Significant increase in the value of investment products, primarily in investment fund assets • In Q3 2025, a significant increase in the value of funds invested in BNP Paribas Group investment funds (+8.3% q/q, +26.4% y/y), mainly in short-term debt security funds. • Further increase in the value of Customers’ assets in other funds (+16.0% q/q, +61.6% y/y). • Increase in the value of DPM, (+12.6% q/q, +37.0% y/y). • Slight decrease in the value of Customers’ assets on brokerage accounts (-2.3% q/q, +16.8% y/y).
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19F I N A N C I A L R E S U L T S Net interest income and expenses [PLN million]Net interest income [PLN million] Net interest income Net interest margin, quarterly [%] 6 482 share in NBI 3.43%3.54%3.64%3.75%3.95% 3.43%3.54%3.64%3.67%3.69% 3Q 252Q 251Q 254Q 243Q 24 Net Interest Margin (NIM) Net Interest Margin (NIM) w/o credit holidays 7,4567,592 (3,032)(3,391) 9M 259M 24 (994)(1,018)(1,020)(1,113)(1,159) 2,4502,4922,5142,6532,739 3Q 252Q 251Q 254Q 243Q 24 Interest expense Interest income 75% +5.3% y/y -7.8% y/y -1.1% q/q +2.8% y/y -1.6% y/y -1.1% q/q Slight decrease in net interest income despite continued interest rate cuts * w/o impact of credit holidays 4,4244,201 4,4244,304 9M 259M 24 1,4571,4731,4941,5401,579 1,4571,4731,4941,5061,480 3Q 252Q 251Q 254Q 243Q 24 reported value w/o credit holidays impact * * * Changes in net interest income • Y/y increase in interest income driven by: – higher interest income from securities due to portfolio growth, – improvement in net interest income from derivative instruments as part of hedge accounting, – lower interest costs on deposits and no negative impact of credit holidays (PLN -103 million in 9M 2024). • Slight q/q decrease in interest income. Lower interest income on loans due to a decrease in interest rates, partially offset by higher interest income from securities and lower Customer deposit costs.
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20F I N A N C I A L R E S U L T S Fee and commission income and expenses [PLN million]Net fee and commission income [PLN million] Net fee and commission income share in NBI (5)(4)(4)41 8296819485 767779 9585 69 8198 72 72 27 403735 37 39 38373032 289 328327330311 3Q 252Q 251Q 254Q 243Q 24 Other fees Loans and leasing Accounts and settlement operations Cards Insurance Asset management and brokerage operations (13)(12) 259263 232249 249222 103113 114100 944934 9M 259M 24 357390391393382 (68)(62)(64)(63)(71) 3Q 252Q 251Q 254Q 243Q 24 Fee and commission income Fee and commission expenses 1,1381,150 (194)(216) 9M 259M 24 15% +1.1% y/y -12.1% q/q-7.3% y/y Changes in net fee and commission income • Higher y/y net fee and commission income mainly driven by higher card-related commissions and increased asset management and brokerage operation fees. • Lower quarterly net fee and commission income mainly due to reduced revenues from credit activities, in the card segment (settlements with card institutions affecting the H1 result) and the insurance segment. Higher cumulative net fee and commission income. Lower quarterly results in loans, cards and insurance
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21F I N A N C I A L R E S U L T S Net trading income [PLN million] Net trading and investment income Margin on FX and derivative transactions with Customers [PLN million] included in net trading income Net investment income [PLN million] 226 318285 223226 3Q 252Q 251Q 254Q 243Q 24 603528 9M 259M 24 166 235202195173 3Q 252Q 251Q 254Q 243Q 24 (3) 7 9M 259M 24 (0)(1)(2) 7 ( 2) 3Q 252Q 251Q 254Q 243Q 24 12% +29.0% y/y +0.1% y/y -29.0% q/q +14.1% y/y -4.1% y/y -29.5% q/q -97.6% y/y -92.8% q/q Increase in net trading income on a cumulative basis. Quarterly result at the previous year level. Lack of one-off transactions executed in H1 2025 Net trading income Lower net trading income resulted from: • lower margin on foreign exchange and derivative transactions with Customers due to the lack of large one-off transactions in the CIB area comparable to those in Q1 and Q2, • lower valuation of shares in VISA and the lack of comparable results related to the own investment portfolio. Net investment income • Change in net investment income dependent on fluctuations in the valuation result of the loan portfolio measured at fair value through profit or loss. -142.9% y/y 829 643 9M 259M 24 share in NBI
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22F I N A N C I A L R E S U L T S Cost/Income ratio [%] Operating expenses [PLN million] Operating expenses, depreciation and amortization w/o costs of BGF and credit holidays (411)(407)(401)(391)(397) (248)(241)(281)(317)(262) (131)(128)(127)(133)(128) (10)(10) (166) 00 (800)(786) (976) (840)(787) 3Q 252Q 251Q 254Q 243Q 24 Personnel expenses Other administrative costs Depreciation & amortization Bank Guarantee Fund & IPS (1,220)(1,163) (769)(823) (387)(382) (186)(144) (2,563)(2,512) 9M 259M 24 41.6%41.8%46.1%43.2%43.8% 38.5%37.7%38.2%41.0%40.5% 9M 256M 253M 2512M 249M 24 7,3357,3577,4197,4787,563 9M 256M 253M 2512M 249M 24 +2.0% y/y +0.4% y/y +1.6% y/y +0.4% y/y +1.7% q/q +1.8% q/q - 2.2 pp y/y - 2.0 pp y/y -3.0% y/y ** * Effective cost control. Significant reduction in y/y growth. Quarterly expenses, excluding BGF fees, at a similar level in 2025 * w/o BGF costs and IPS Changes in operating expenses • Higher y/y costs mainly driven by increased personnel, BGF, IT and marketing expenses, partially offset by lower external service and consulting costs. • Slightly higher q/q costs due to an increase in external service, consulting and personnel expenses, partially offset by lower marketing and business travel expenses. • Efficiency improvement and further optimization of employment. Employment in the Group [FTE active, end of period]
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23F I N A N C I A L R E S U L T S Net allowances on expected credit losses Cost of risk by segment [PLN million] [bps] 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Quartely cost of risk* (44) (27) (12) +8 (43) (75) (76) (10) 21 (85) (24) 17 (18) (2) (12) (99) (59) (27) 18 (97) 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Institutional Customer loans Individual Customer loans (133) (74) (54) (32) (187) (106) 9M 24 9M 25 -630.6% q/q-2.1% y/y Cost of risk confirming high portfolio quality and resilience * The cost of risk expressed as the ratio of the net allowances on expected credit losses on financial assets and contingent liabilities to the average balance of gross loans and advances to customers valued at amortized cost (calculated based on quarter-end balances). Net allowances on expected credit losses in 9M 2025 amounted to PLN -106 million (PLN -97 million). Accumulated cost of risk at the level of 16 bps (43 bps in Q3) In Q3 2025, the Group recorded a risk cost typical of portfolios with good credit quality (43 bps). In particular, the provision level was increased by PLN 50 million for one major institutional Customer in Phase 3 due to a decrease in expected recoveries. Additionally, a review of the Post-Model Adjustments in place was carried out, including: • an increase in provisions by PLN 23 million for the Institutional Customer segment, including an additional PLN 43 million for sensitive customers in the photovoltaic farm segment, • a reduction in provisions by PLN 21 million in the Individual Customer segment mainly due to the release of provisions for sensitive customers using credit holidays. In three quarters of 2025, net allowances on expected credit losses amounted to PLN -106 million. The low cost of risk primarily reflected high portfolio quality; recoveries realized on the non-performing portfolio and model changes implemented in Q2 2025. -43.4% y/y
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24F I N A N C I A L R E S U L T S Total loans – share of NPL* in the portfolio measured at amortized cost Institutional loans – share of NPL* Loan portfolio quality Loans to Individual Customers – share of NPL* Gross NPL portfolio* [PLN million] 2.3% 2.2% 2.2% 2.1% 2.1% 1.5% 1.4% 1.4% 1.4% 1.3% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Loans to individual Customers Mortgage loans 3.4% 3.2% 3.2% 3.2% 3.0% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4.4%4.4%4.8%5.2%5.6% 3.7%3.9%4.0%4.0%4.1% 3.6%3.8%3.8%3.8%3.8% 2.4%2.7%2.6%2.9%2.9% 3Q 252Q 251Q 254Q 243Q 24 Farmers Institutional Customer loans total Institutional Customer loans excl. Farmers Leasing 1,5841,6271,6171,5391,583 316322367405448 277277286288302 448415452427472 152172169188188 2,7772,8142,8912,8482,992 3Q 252Q 251Q 254Q 243Q 24 Leasing Other retail loans Retail mortgages Loans to Farmers Insitutional Customer loans excl. Farmers -1.3% q/q-7.2% y/y Low and stable NPL share in the loan portfolio * NPL - category defined as loans in Stage 3 and POCI non-performing exposures in line with data presented in the Consolidated Financial statement. Data for the portfolio measured at amortized cost, unless otherwise stated. NPL ratio for both loan portfolios in total (measured at fair value and at amortized cost) was 3.1% at the end of Q3 2025 Stable NPL level as a result of good quality of the portfolio Low NPL levels - stable level of entries into Stage 3
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25F I N A N C I A L R E S U L T S Loan portfolio quality Share of each Stage in the gross loan portfolio* Share of Stage 2 and POCI performing in the gross loan portfolio* Provision coverage for the gross NPL loan portfolio* Provision coverage for the gross loan portfolio – Stages 1 & 2 and POCI performing 86.1% 86.1% 86.1% 86.4% 86.8% 10.5% 10.7% 10.6% 10.5% 10.1% 3.4% 3.2% 3.2% 3.2% 3.0% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Stage 1 Stage 2 & POCI performing Stage 3 & POCI non-performing 5.6% 6.0% 5.9% 5.3% 5.3% 1.0% 1.1% 1.1% 1.0% 1.0% 0.5% 0.5% 0.5% 0.4% 0.5% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Coverage Stage 2 & POCI performing Coverage Stage 1 & 2 & POCI performing Coverage Stage 1 12.0% 12.5% 12.7% 12.7% 12.6% 10.5% 10.7% 10.6% 10.5% 10.1% 8.0% 7.6% 7.1% 6.6% 5.9% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Loans to institutional Customers Total gross loans Loans to individual Customers 65.8% 67.0% 67.2% 67.5% 67.8% 54.5% 54.0% 51.5% 52.0% 54.6% 50.6% 49.6% 46.1% 46.9% 49.9% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Loans to individual Customers Total gross loans Loans to institutional Customers Stable loan portfolio quality, adequate provision coverage ratios * NPL - category defined as loans in Stage 3 and POCI non-performing exposures in line with data presented in the Consolidated Financial statement. Data for the portfolio measured at amortized cost, unless otherwise stated. Decrease in the Stage 2 share in the individual portfolio related to the reclassification to Stage 1 of some Customers using credit holidays (PMA reserve release) Stable level of NPL coverage – increase in the institutional loan portfolio mainly due to increased coverage for one large Customer
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26F I N A N C I A L R E S U L T S Capital adequacy Capital ratios significantly above regulatory requirements TCR Total risk exposure amount (PLN billion) x Tier 1 x Total risk exposure amount (PLN billion) 15.1 16.0 15.9 17.1 17.4 16.59% 17.20% 16.19% 17.44% 17.51% 11.43% 11.00% 11.00% 11.00% 12.00% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Total own funds TCR (reported) TCR (regulatory requirement) 91.3 92.8 98.4 98.1 99.6 11.8 12.8 12.8 14.1 14.1 12.97% 13.80% 13.05% 14.34% 14.15% 9.43% 9.00% 9.00% 9.00% 10.00% 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Tier 1 capital Tier 1 (reported) Tier 1 (regulatory requirement) 91.3 92.8 98.4 98.1 99.6 +92 bps y/y +118 bps y/y TCR and Tier 1 above the minimum regulatory requirement as at the end of Q3 2025: +5.5 pp and +4.2 pp, respectively 50% of the Bank’s net profit for 2024 allocated to dividend payout; 50% of the Bank’s net profit for 2024 allocated to equity in Q2 2025 An increase in equity by PLN 0.3 billion mainly driven by higher supplementary Tier 2 funds, and in total risk exposure as a result of portfolio value growth. Additional regulatory requirements for the Bank at the end of Q3 2025: • OSII buffer at 0.50% (from 6 December 2024), • Countercyclical buffer at 1.0% (up from 1 September 2025). The MREL-TREA ratio as at of the end of Q3 2025 stood at 22.26%, above the minimum MREL requirement of 19.93% (including the combined buffer requirement).
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Summary & Outlook 0404
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28S U M M A R Y & O U T L O O K Medium-term outlook Execution of the Bank’s strategic priorities while addressing sector-wide challenges. Robust economic outlook M A C R O E C O N O M I C E N V I R O N M E N T • The dynamically changing geopolitical situation. Trade war and rising military & defense expenditures • GDP growth of 3.5% in 2025 and 2026 supported by increased inflow of EU funds, incl. NRP . Consumer demand growth • The MPC continues its monetary policy easing process. Further interest rate cuts forecasted T H R E A T S A N D C H A L L E N G E S F O R T H E B A N K I N G S E C T O R P R I O R I T I E S O F T H E B A N K • Increase in the corporate income tax rate for banks affecting the sector’s performance • Moderate demand for loans in relation to the deposit growth rate • Legal risk related to the CHF mortgage loan portfolio • Strong market competition influenced by unfavourable demographic trends and the prospect of falling interest rates • Increase acquisition of active Customers and enhance their satisfaction • Achieve capital-efficient growth in lending • Support sustainable transformation of companies • Expand use of AI in business and operational processes • Implement initiatives to improve operational efficiency The Bank's new strategy will be presented on 11 December 2025
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Business activities 0505
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30B U S I N E S S A C T I V I T I E S 3.8 millionRetail and Business Banking & Personal Finance Acquisition of Individual Customers** Sales of personal accounts thous. Sales of cash loans Sales of investment products* PLN m PLN m Retail Customers 100.7 105.0 137.7 3Q 24 2Q 25 3Q 25 60.0 56.7 56.3 28% 24% 22% 3Q 24 2Q 25 3Q 25 share of digital sales (E2E) 936 1,196 1,199 16% 17% 15% 3Q 24 2Q 25 3Q 25 share of digital sales (E2E) 2,590 3,061 3,373 77% 70% 68% 3Q 24 2Q 25 3Q 25 share of digital sales E2E (pcs.) +31% q/q+37% y/y -1% q/q-6% y/y +28% y/y 0% q/q +10% q/q+30% y/y -244 thous. -13 thous. -6.0% y/y -0.3% q/q Increase in sales of mortgages, investment products and Individual Customer acquisition thous. Business development Customer satisfaction – NPS ratio (change q/q) Product offer Sales – Q3 value, change q/q || y/y • Investment products*: PLN 3.4 bn, +10% || +30% • Mortgage loan: PLN 1.5 bn, +91% || +359% • Cash loan: PLN 1.2 bn, 0%, || +28% • Personal account: 56.3 thous., -1% || -6% • Credit card: 8.7 thous., -14% || +23% • Micro loan (incl. leasing): PLN 0.7 bn, -2%, || +2% • 17.5 million BLIK transactions: 0% q/q || +13% y/y • 88.3 million logins to mobile banking: -1% q/q || +9% y/y Digital sales share in Q3 2025 in total quantitative sales of key products: • cash loans: 48% (50% in Q2 2025) • investment products*: 68% (70% in Q2 2025) Digitalization – Q3 2025 • "Lucky Sevens - 3x7%" promotion - triple benefits for opening an account: 7% on a savings account 7% cashback on card payments 7% on the Full Dream Account * Investment funds, investment deposits and structured certificates ** all subsegments (incl. Personal Finance) relational/ product-level in contact channels • branch: 87 (+1 point) • Contact Center: 64 (+3 points) • chat: 43 (+4 points) • Pupil Card – Customer acquisition project targeted at animal lovers offering a package of discounts • "Boost your business" - 2nd edition of the promotion for microenterprises operating as sole proprietors • "4% Savings Account" - promotion for new Business Customers "Moje Konto Premium" account with the 1.st award in the Bankier.pl ranking • car loan: 70 (+10 points) • cash loan: 66 (+2 points) • mortgage loan: 24 (+4 points) New functionalities in e-banking: • Option to open a business account from an Individual Customer profile • Improvements in international and tax transactions as well as transaction history – support for the Customer in completing data • Strengthened Customer security – two-step login and verification when changing transaction limits, enhanced Behavioural Protection, security and electronic signature verification for files attached by Customers
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31B U S I N E S S A C T I V I T I E S Net loan portfolio* [PLN million] Deposit portfolio* [PLN million] Retail and Business Banking & Personal Finance Gross profit/loss structure [PLN million] Segment's share in the Group's net banking income 2,863 (1,605) (59) (488) (139) 573 3,014 (1,655) (18) (380) (155) 806 Net banking income Operating costs Cost of risk CHF provisions Banking tax Gross profit/loss 9M 24 9M 25 49% +3% y/y -69% y/y -22% y/y +12% y/y +41% y/y +0.4% y/y +11.7%y/y +1.3% q/q Gross profit growth driven by higher NII and NF&C as well as lower credit risk costs and negative impact of CHF portfolio legal risk * due to the 2025 re-segmentation, the 2024 data are presented on a comparative basis 11,292 11,345 11,362 11,547 11,780 4,587 4,502 4,440 4,459 4,516 4,092 3,935 3,875 3,798 3,675 20,276 19,925 19,864 19,722 20,481 1,821 1,895 1,829 1,833 1,825 850 826 799 811 801 42,917 42,429 42,170 42,169 43,078 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Credit cards Lease receivables Retail estate financing loans Overdraft facilities Investment loans Consumer loans and other loans 31,390 32,859 32,814 33,613 34,099 10,788 12,747 12,188 12,918 13,868 24,521 26,499 26,904 26,801 26,192 641 558 472 948 1,05567,340 72,663 72,377 74,280 75,213 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 O/N deposits Term deposits Savings accounts Current accounts +5% y/y ( +2% y/y ) Gross profit in 9M 2025 w/o the impact of CHF portfolio legal risk and credit holidays would equal PLN 1,185 million vs PLN 1,164 million in 9M 2024 +2.2% q/q
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32B U S I N E S S A C T I V I T I E S 21.9 thous.12.4 thous. SME Customers Corporate CustomersCorporate & SME Banking - 0.9…+ 0.1 thous., + 0.1 thous., +1.1% y/y +0.8% q/q - 0.9 thous., - 0.0 thous., -4.2% y/yFocus on addressing Customers’ needs and service quality Transformation and digitalization Business development Selected significant transactions carried out in Q3 2025 Net fee and commission income decrease in income from credit activities and cash management Revenues -4% y/y -9% q/q -5% y/y -13% q/q -0.2% q/q Net income • GOwadia Plus – a modern tool for Customers for comprehensive handling of settlements related to tendering processes • FX Pl@net – a new edition of the currency exchange platform, now available in English • Envirly platform – launched for SMEs to calculate the carbon footprints and managing emissions, in line with regulations and market expectations • GOonline Biznes – continuation of the expansion of the online banking ecosystem: implementation of a new version of the Administrator Panel module for the Customer • Using an automatic decision-making engine in the credit process resulting in a shortened process time 3Q 24 2Q 25 3Q 25 3Q 24 2Q 25 3Q 25 The Corporate and SME Banking area was recognized for its innovative approach to currency services, trade financing and the use of technology in payments Three wins in the Global Transaction Banking Innovation 2025 competition * The value calculated according to the Bank’s internal methodology. The sustainable loan portfolio defined as ESG Rating-Linked Loans, Sustainability-Linked Loans, funding with positive environmental and social impact. • Increase in loan volumes: Corporate Banking +2.8% q/q (+6.3% y/y), SME Banking +2.8% q/q (-5.7% y/y); increase in sales 9M 2025 vs. 9M 2024: Corporate Banking +15%, SME Banking +23% • Decrease in deposit volumes: Corporate Banking -3.7% q/q (-5.2% y/y), SME Banking -1.7% q/q (-0.1% y/y) due to lower volumes on Customers’ accounts • Further dynamic development of the sustainable loan portfolio* - the total portfolio at the end of September 2025 amounted to PLN 9.0 billion (+3.0% q/q, +13.2% y/y) • Leasing sales (new volume in Q3 2025): for Corporate Customers - PLN 235 million (+4% q/q, -21% y/y); for SME Customers - PLN 87 million (-8% q/q, +1% y/y) Foreign exchange transactions lower transactionality of Clients caused by a strong zloty and low volatility of the EUR/PLN exchange rate
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33B U S I N E S S A C T I V I T I E S Segment's share in the Group's net banking income Corporate Banking Gross profit/loss structure [PLN million] Net loan portfolio* [PLN million] 1,731 (519) (83) (93) 1,036 1,688 (534) (91) (92) 971 Net banking income Operating costs Cost of risk Banking tax Gross profit/loss 9M 24 9M 25 -2% y/y +3% y/y +10% y/y -1% y/y -6% y/y 17,280 17,154 17,820 17,684 18,273 9,979 9,692 10,803 10,677 10,913 1,882 1,927 1,776 1,744 1,734213 242 231 249 27229,354 29,015 30,631 30,354 31,191 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Factoring & other loans Lease receivables Overdraft facilities Investment loans +6.3% y/y +2.8% q/q 26,674 31,785 25,439 26,772 25,291 5 2 3 6 6 11,470 9,098 11,887 10,570 10,874 560 370 465 754 511 38,710 41,256 37,795 38,103 36,681 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 O/N deposits Term deposits Savings accounts Current accounts 27% * due to the 2025 re-segmentation, the 2024 data are presented on a comparative basis Lower gross profit due to a decrease in net interest income Deposit portfolio* [PLN million] -5.2% y/y -3.7% q/q
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34B U S I N E S S A C T I V I T I E S Gross profit/loss structure [PLN million] Segment's share in the Group's net banking income SME Banking Net loan portfolio* [PLN million] 625 (270) (2) (19) 333 598 (259) 52 (24) 367 Net banking income Operating costs Cost of risk Banking tax Gross profit/loss 9M 24 9M 25 -4% y/y -4% y/y -2259% y/y +21% y/y +10% y/y 2,980 2,989 2,938 2,949 3,007 2,885 2,592 2,585 2,437 2,541 516 515 477 466 469 6,381 6,096 6,000 5,852 6,016 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Lease receivables Overdraft facilities and other credit facilities Investment loans +2.8% q/q-5.7% y/y 12,098 12,830 11,965 12,273 12,064 54 54 42 42 31 3,722 3,626 4,067 3,813 3,752 16 16 10 16 20 15,891 16,526 16,084 16,144 15,867 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 O/N deposits Term deposits Savings accounts Current accounts 10%Positive impact of the cost of risk and reduced operating expenses on gross profit * due to the 2025 re-segmentation, the 2024 data are presented on a comparative basis Deposit portfolio* [PLN million] -1.7% q/q-0.1% y/y
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35B U S I N E S S A C T I V I T I E S Food & Agro Sector Loan portfolio gross, PLN billion 4.7 5.9 5.6 5.3 5.2 9.6 8.3 8.9 8.5 8.2 14.3 14.2 14.5 13.8 13.4 2021 2022 2023 2024 30.09.2025 farmer -3% vs 2024 processor -2% vs 2024 79.0… thous.79.0 thous. Food & Agro Customers Sales and Customer relation support initiatives – active participation in industry events Food & Agro volumesBusiness development – new offer Development of relations with agricultural and food production market participants, support for sustainable transformation • First transactions concluded with agri-food processors as part of the development of financing for the food production value chain (farmer - processor - distributor - consumer) • Individual meetings with Customers and prospects with sector-specific presentations • Participation in Customer-oriented events in an expert role – providing a beyond banking service • Launch of the 7th edition of the Agro Absolwent competition for theses on innovative solutions in agribusiness Partners: Association for Sustainable Agriculture & Food in Poland, Farm Frites Poland S.A., Timac Agro Polska Ltd., OSI Food Solutions Poland Ltd. and McDonald's Polska Ltd. PLN 13.4 bn -2.7% vs 2024 PLN 10.8 bn -8.1% vs 2024 LOANS DEPOSITS * due to the 2025 re-segmentation, the data for 2024 have been presented in comparative terms Corporate 32% SME 24% Micro 44% Corporate 36% SME 31% Micro 33% 30.09.2025 The 20th anniversary edition of the Food&Agro Conference 2025 annual meeting of the Bank with Customers and institutions from the food sector - Q3 2025 • "Karta Pola" – application testing stage – the new tool will enable reporting agronomic treatments, purchase, sales and cost data, with the option to generate reports • 47.6 thous. unique users visiting the platform; over 128 thous. visits • Czas na finansowe zbiory - offer for Farmers from the Micro and SME segments on an interest-bearing auxiliary account available until 31 December • Promotional fertilizer loan offer in the Mikro line - promotion for the Agro Rzeczówka Light Loan is available from 1.07 to 30.11.2025 • AGRO PROCESSOR campaign – promotion for investment loans with the Agromax guarantee (BGK-subsidised) and preferential PR Line loans (supported by ARiMR)
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36B U S I N E S S A C T I V I T I E S Bank subsidiaries Leasing assets [PLN million] 6,838 6,940 6,904 6,885 6,812 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 +8.3% q/q +26.4% y/y -1.1% q/q -0.4% y/y In Q3 2025, continuation of investments in safer bond sub-funds. Slight decrease in leasing assets • The value of assets under management (AuM) at the end of Q3 2025 amounted to PLN 9.6 billion (+8.3% q/q). Following the redemptions observed in Q2, AuM increased in Q3 by PLN 738 million. • In Q3 2025, the BNP Paribas Globalny Obligacji Zamiennych Subfund recorded the highest net sales (PLN +182.7 million), followed by the BNPP Globalny Strategii Dłużnych Uniwersalny Subfund (PLN +156.9 million). • The market share of BNP Paribas TFI S.A. (by asset value of capital market funds) reached 2.94% at the end of Q3 2025 (compared to 2.92% at the end of Q2 2025). BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A. BNPP Leasing Services Sp. z o.o., in cooperation with the Bank, offers a full range of leasing products to Personal Finance, Micro, SME and Corporate Customers. • 14.8 thous. contracts concluded for a total value of PLN 2.4 billion at the end of Q3 2025. • Portfolio of financed assets: PLN 6.8 billion at the end of Q3 2025. • Very good sales results in the Micro Customer segment. • Focus on further improving the efficiency of the portfolio servicing process. BNP Paribas Leasing Services Sp. z o.o. 7,631 8,198 8,928 8,905 9,643 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Short-term debt securities funds Debt funds Mixed funds Stock funds Defined date funds (Employee Capital Plan) Assets under management of BNPP TFI [PLN million]
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0606 Appendices Shares of BNP Paribas Bank Polska S.A. #GOdigital – statistics Material events 2023-2025 Loan portfolio Deposit base structure Liquidity Net banking income Profit and Loss Account Assets, Liabilities and Equity
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38A P P E N D I C E S Change in share price [31.10.2024=100%] Fitch rating (update on 27 October 2025) Long-Term Issuer Default Rating (LT IDR) – A+ with a Negative Outlook Short-Term Issuer Default Rating (ST IDR) – F1 Viability Rating (VR) – bbb Shareholder Support Rating (SSR) – a+ total number of shares Shares of BNP Paribas Bank Polska S.A. ISIN code: PLBGZ0000010 GPW ticker: BNP Index: mWIG40, mWIG40TR Book value per share (BVPS) [PLN, at the end of the quarter] 24.00% 57.23% 18.77% -20% 0% 20% 40% 60% 31.10.24 30.11.24 31.12.24 31.01.25 28.02.25 31.03.25 30.04.25 31.05.25 30.06.25 31.07.25 31.08.25 30.09.25 31.10.25 112.3 107.0109.5 104.2 96.8 92.191.3 87.188.9 75.876.277.0 82.6 3Q 252Q 251Q 254Q 243Q 242Q 241Q 244Q 233Q 232Q 231Q 234Q 223Q 22 17,419.7 pts +44.2% y/y +30.8% y/y 113.0 PLN Negative impact of the planned changes in the income tax rate on banks’ share prices 30 September 2025 free-float: PLN 2.9 bn P/BV: 1.0 capitalization: PLN 15.3 bn Shareholder structure (30.09.2025) April 2025 - increase in the Bank's share capital from PLN 147,799,870 to PLN 147,880,491 as a result of the taking up of 20,223 M series shares and 60,398 N series shares in the exercise of rights attached to the A5 and B2 series registered subscription warrants, taken up previously. BNP Paribas BNP Paribas Fortis Others 147,880,491 Free float 18.77% 31 October 2025
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39A P P E N D I C E S BLIK transactions quarterly [thous.] Customers using digital channels [thous.] #GOdigital – statistics Number of tokens in digital wallets [thous.] GOmobile users [thous.] 1,646 1,661 1,680 1,674 1,674 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 598 611 631 651 674 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 1,240 1,261 1,280 1,289 1,306 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 15,440 16,653 16,289 17,452 17,512 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 ~0% q/q +2% y/y +3% q/q +13% y/y +1% q/q +5% y/y ~0% q/q +13% y/y Continued growth in the use of mobile banking #GOdigital GOdealer application GOmakler application GOinvest service
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40A P P E N D I C E S in individual reporting periods Material events • PLN +11.0 m - adjustment to the impact of credit holidays (recognized in NII) • PLN -234.4 m - CHF mortgage loan portfolio legal risk impact • PLN -110.0 m - BGF restructuring fund contribution recognized in the Q1 2023 costs (total contribution amount set by BGF at PLN 123.9 m) • PLN +11.0 m - adjustment to the impact of credit holidays (recognized in NII) • PLN -356.0 m - CHF mortgage loan portfolio legal risk impact • PLN +11.0 m - adjustment to the impact of credit holidays (recognized in NII) • PLN -371.0 m - CHF mortgage loan portfolio legal risk impact • PLN +22.7 m - adjustment to the impact of credit holidays (recognized in NII) • PLN -1,016.8 m - CHF mortgage loan portfolio legal risk impact • PLN -22.1 m - costs of a restructuring provision for group layoffs • PLN -21.0 m - CHF mortgage loan portfolio legal risk impact • PLN -135.7 m - BGF restructuring fund contribution recognized in the Q1 2024 costs (total contribution amount set by BGF at PLN 144.0 m) 1st quarter 2nd quarter 3rd quarter 4th quarter • PLN -189.8 m - CHF mortgage loan portfolio legal risk impact • PLN -203.0 m - impact of credit holidays (recognized in NII) • PLN +135.5 m - impact of DTA creation (CHF portfolio legal risk) • PLN -277.2 m - CHF mortgage loan portfolio legal risk impact • PLN +99.6 m - adjustment to the impact of credit holidays (recognized in NII) • PLN -307.7 m - CHF mortgage loan portfolio legal risk impact • PLN +34.0 m - adjustment to the impact of credit holidays (recognized in NII) • PLN -64.9 m - CHF mortgage loan portfolio legal risk impact • PLN -166.4 m - total BGF contribution recognized in the Q1 operating costs 2025 2024 2023 • PLN -249.4 m - CHF mortgage loan portfolio legal risk impact • PLN -65.3 m - CHF mortgage loan portfolio legal risk impact
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41A P P E N D I C E S Institutional Customer loans** [PLN million]Individual Customer loans [PLN million] Loan portfolio 19,959 19,780 19,753 19,650 20,416 618 427 395 350 331 4,087 4,164 4,099 4,123 4,270 8,566 8,487 8,568 8,707 8,815 33,229 32,858 32,815 32,830 33,831 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Cash loans Other loans to individual customers* FX mortgage PLN mortgage 41,248 40,710 42,273 42,282 43,654 8,506 8,232 8,041 7,693 7,491 6,444 6,520 6,439 6,403 6,295 65 68 70 72 170 56,264 55,529 56,822 56,450 57,611 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Public sector Leasing Farmers Enterprises +1.8% y/y +3.1% q/q +2.4% y/y +2.1% q/q • Increase in the PLN mortgage portfolio: +3.9% q/q (+2.3% y/y). Further decline in the value of CHF mortgages (-5.8% q/q, -47.8% y/y) primarily due to the impact of the legal risk recognized as a reduction in the gross balance sheet value. • The share of mortgages in loans to Individual Customers amounted to 61.3% (+0.4 pp q/q, -0.6 pp y/y). • Increase in the cash loan portfolio: +1.2% q/q (+2.9% y/y). Structure of loans in the Individual and Institutional Customer segments * Inter alia: car loans, instalment loans, overdraft facilities, credit cards ** including the portfolio measured at fair value for “Farmers” and "Enterprises” items (breakdown based on MIS data) • Increase in gross loans to enterprises: +3.2% q/q (+5.8% y/y) and to the public sector: +135.9% q/q (+161.2% y/y). Negative dynamics of the leasing portfolio: -1.7% q/q (-2.3% y/y). • Decrease in the individual farmers gross portfolio: -2.6% q/q (-11.9% y/y). The share of the portfolio in loans to Institutional Customers stood at 13.0% (-0.6 pp q/q, -2.1 pp y/y). • At the end of Q3 2025, the share of loans to enterprises in loans to Institutional Customers was 75.8% (+0.9 pp q/q, +2.5 pp y/y), the share of leasing amounting to 10.9% (-0.4 pp q/q, -0.5 pp y/y).
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42A P P E N D I C E S Deposit structure by Customer type [PLN million]Deposit term structure [PLN million] Deposit base structure 78,204 86,302 79,608 82,358 82,268 42,829 43,070 45,888 45,010 44,472 1,065 1,103 1,064 1,444 2,515 122,098 130,475 126,560 128,812 129,255 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Other liabilities Term deposits Current accounts 51,285 55,184 55,468 56,268 56,538 63,266 67,636 63,091 65,297 64,147 3,766 3,336 3,946 3,454 4,975 3,781 4,318 4,055 3,792 3,596 122,098 130,475 126,560 128,812 129,255 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Farmers Public sector Enterprises Individual customers 71.2% 65.8% 68.9% 67.5% 68.8% net loans / deposits +5.9% y/y +0.3% q/q +5.9% y/y +0.3% q/q • In Q3 2025, deposits from Individual Customers increased by 0.5% q/q (+10.2% y/y) and from the public sector - by 44.0% q/q (+32.1% y/y). Deposits from farmers decreased by 5.2% q/q (-4.9% y/y) and from enterprises by 1.8% q/q (+1.4% y/y) Term structure of deposits and by Customer segment • Decrease in the share of Customers' current accounts in total deposits: 63.6% at the end of Q3 2025 (-0.3 pp q/q, -0.4 pp y/y). • Slight decrease in current deposits by PLN 89 million (-0.1% q/q). Decrease in term deposits by PLN 538 million (-1.2% q/q). • Current accounts of Individual Consumers increased by PLN 1,075 million (+3.5% q/q), and current deposits of Institutional Consumers decreased by PLN 1,164 million (-2.3% q/q). • Term deposits of Institutional Consumers increased by PLN 225 million (+1.1% q/q), and term deposits of Individual Customers decreased by PLN 762 million (-3.1% q/q).
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43A P P E N D I C E S Liquidity Stable and diversified deposit base, high level of liquid assets Customer deposits [PLN million] Securities [PLN million] Share in total liabilities & equity Share in total assets Customer deposit structure [%] Securities structure [%] LCR [%]x 64.1% 66.1% 62.9% 63.9% 63.6% 35.1% 33.0% 36.3% 34.9% 34.4% 0.9% 0.8% 0.8% 1.1% 1.9% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Current accounts Term deposits Other liabilities 62.1% 58.1% 64.6% 62.7% 59.9% 0.6% 0.6% 0.6% 0.6% 0.6% 37.3% 41.3% 34.8% 36.7% 39.6% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 Securities measured at amortised cost Securities measured at FV through P&L Securities measured at FV through OCI +0.3% q/q +5.9% y/y +4.1% q/q +25.7% y/y 217.5 238.4 286.8 247.2 237.1 - 500.0 48,165 55,713 53,255 58,190 60,559 30.3% 33.3% 32.3% 34.5% 35.9% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 122,098 130,475 126,560 128,812 129,255 76.8% 77.9% 76.7% 76.4% 76.7% 30.09.24 31.12.24 31.03.25 30.06.25 30.09.25 145.3 159.8 156.4 160.4 159.9 0.0 500.0 NSFR [%]x
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44A P P E N D I C E S Net banking income [PLN million] Q3 2025 Q3 2024 change Net interest income 1,457 1,579 (7.8%) Net fee and commission income 289 311 (7.3%) Net trading income 226 226 0.1% Net investment income (0) (2) (97.6%) Dividends 5 5 (4.6%) Hedging accounting 1 (6) - Result on derecognition of financial assets measured at amortized cost (13) 0 - Other operating income and expenses (10) (15) (37.0%) Net banking income 1,955 2,098 (6.9%) Net interest income and net trading income as key factors of net banking income growth on an annual basis • An increase in interest income in 9M 2025 vs. 9M 2024 resulted from: • higher interest income from securities due to portfolio growth, • improvement in net interest income from derivative instruments as part of hedge accounting, • lower interest costs on deposits and no negative impact of credit holidays (PLN -103 million in 9M 2024). • Excluding the impact of credit holidays, net interest income would be higher by 2.8%, and net banking income higher by 5.6%. • Higher y/y net fee and commission income was mainly driven by higher card-related commissions and increased asset management and brokerage operation fees. • Higher net trading income resulted from an improved margin on foreign exchange and derivative transactions with Customers (several large transactions in the CIB area), results from transactions in financial instruments in the ALMT and CIB areas and gains on equity investments. • A q/q decrease in net interest income resulted from lower interest income on loans due to a decline in interest rates, partially offset by higher interest income from securities and lower cost of Customer deposits. • Lower quarterly net fee and commission income was mainly due to reduced revenues from credit activities, in the card segment (settlements with card institutions affecting the H1 result) and the insurance segment. • Lower net trading income was due to: • lower margin on foreign exchange and derivative transactions with Customers due to the lack of large one-off transactions in the CIB area comparable to those in Q1 and Q2, • lower valuation of shares in VISA and the lack of comparable results related to the own investment portfolio. [PLN million] 9M 2025 9M 2024 change Net interest income 4,424 4,201 5.3% Net fee and commission income 944 934 1.1% Net trading income 829 643 29.0% Net investment income (3) 7 - Dividends 10 11 (11.2%) Hedging accounting (2) (1) 127.3% Result on derecognition of financial assets measured at amortized cost (14) (5) 157.7% Other operating income and expenses (21) (52) (59.3%) Net banking income 6,167 5,737 7.5%
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45A P P E N D I C E S Consolidated P&L PLN thous. Profit and loss account 30.09.2025 30.09.2024 Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Interest income 7,456,138 7,592,142 2,450,195 2,491,735 2,514,208 2,652,941 2,738,737 Interest expenses (3,031,878) (3,391,237) (993,602) (1,018,394) (1,019,882) (1,112,840) (1,159,351) Net interest income 4,424,260 4,200,905 1,456,593 1,473,341 1,494,326 1,540,101 1,579,386 Fee and commission income 1,137,808 1,149,702 356,638 390,035 391,135 393,070 382,069 Fee and commission expenses (193,663) (215,897) (68,104) (61,913) (63,646) (63,199) (70,834) Net fee and commission income 944,145 933,805 288,534 328,122 327,489 329,871 311,235 Dividend income 9,614 10,828 5,225 4,217 172 2,319 5,476 Net trading income 828,762 642,537 225,761 318,080 284,921 222,515 225,518 Net investment income (3,013) 7,022 (43) (596) (2,374) 7,352 (1,767) Result on hedge accounting (1,882) (828) 947 (238) (2,591) 2,774 (6,389) Result on derecognition of financial assets measured at amortized cost (13,772) (5,344) (12,786) 663 (1,649) (30,395) 180 Other operating income 247,416 162,132 47,216 69,421 130,779 63,371 44,179 Net allowances on expected cr edit losses of financial assets and pr ovisions for contingent liabilities (10 5,778) (186 ,90 8) (96 ,774) 18,239 (27,243) (59,284) (98,823) Result on legal r isk r elated to for eign cur r ency loans (379,554) (488,0 18) (6 5,291) (249,358) (6 4,90 5) (30 7,710 ) (277,246 ) Gener al administr ative expenses (2,175,76 0 ) (2,130 ,0 10 ) (6 6 8,834) (6 58,0 80 ) (848,846 ) (70 7,349) (6 59,348) Depr eciation (386 ,894) (381,599) (131,140 ) (128,338) (127,416 ) (132,851) (127,781) Other operating expenses (268,693) (203,325) (56,782) (98,815) (113,096) (121,802) (59,356) Operating result 3,118,851 2,550,075 992,626 1,076,658 1,049,567 808,912 935,264 Tax on financial institution (292,264) (304,025) (95,493) (95,329) (101,442) (100,946) (99,414) Gross profit (loss) 2,826,587 2,246,050 897,133 981,329 948,125 707,966 835,850 Income tax (655,792) (396,940) (201,632) (247,483) (206,677) (198,808) (200,306) NET PROFIT (LOSS) 2,170,795 1,849,110 695,501 733,846 741,448 509,158 635,544
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46A P P E N D I C E S Assets PLN thous. Consolidated statements of financial position 30.09.2025 30.06.2025 31.03.2025 31.12.2024 30.09.2024 ASSETS Cash and balances with the Central Bank 6,916,304 7,556,716 6,128,762 11,325,551 9,803,988 Amounts due from banks 5,946,747 9,392,969 12,124,261 7,872,375 7,456,430 Derivative financial instruments 2,182,999 2,719,323 2,625,107 2,440,116 2,748,414 Adjustment of fair value of the hedging and hedged item 250,869 134,140 147,251 230,658 145,256 Loans and advances to customers valued at amortized cost 88,655,668 86,546,644 86,749,188 85,401,516 86,397,264 Loans and advances to customers valued at fair value through P&L 324,021 360,834 400,537 452,506 497,128 Securities valued at amortized cost 36,249,896 36,479,945 34,416,359 32,364,550 29,899,026 Securities valued at fair value through P&L 350,337 357,813 331,311 321,434 307,723 Securities valued at fair value through the other comprehensive income 23,959,004 21,352,388 18,507,034 23,027,454 17,958,410 Intangible assets 917,253 928,489 934,403 975,114 932,012 Property, plant and equipment 893,070 907,842 918,007 946,971 915,889 Deferred income tax assets 714,230 746,694 766,724 859,567 837,411 Current income tax assets 71 71 834 1,515 3,579 Other assets 1,198,328 1,064,690 965,455 1,320,262 1,052,439 TOTAL ASSETS 168,558,797 168,548,558 165,015,233 167,539,589 158,954,969
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47A P P E N D I C E S Liabilities and equity PLN thous. Consolidated statements of financial position 30.09.2025 30.06.2025 31.03.2025 31.12.2024 30.09.2024 LIABILITIES Amounts due to the Central Bank - - - - - Amounts due to other banks 10,680,231 10,614,897 10,207,033 9,994,802 9,348,079 Adjustment of fair value of the hedging and hedged item 247,513 276,193 184,550 260,025 244,061 Derivative financial instruments 2,154,992 2,369,359 2,291,975 2,311,741 2,566,291 Amounts due to customers 129,705,242 129,261,652 127,009,766 130,924,754 122,547,902 Subordinated liabilities 2,720,740 3,413,087 3,391,316 3,420,128 4,302,463 Leasing liabilities 564,095 580,900 585,374 606,306 592,256 Other liabilities 3,004,132 3,316,891 3,245,723 2,296,756 2,904,221 Current income tax liabilities 120,111 109,261 43,396 361,641 258,587 Provisions 2,068,123 2,097,390 1,870,643 1,969,380 1,884,027 TOTAL LIABILITIES 151,957,506 152,720,339 148,829,776 152,145,533 144,647,887 EQUITY Share capital 147,880 147,880 147,800 147,800 147,800 Supplementary capital 9,180,883 9,180,883 9,155,136 9,155,136 9,156,939 Other reserve capital 4,683,609 4,695,800 4,044,967 4,042,815 4,041,597 Capital bonds 650,000 650,000 650,000 650,000 - Revaluation reserve (304,949) (394,705) (475,059) (540,845) (470,022) Retained earnings 2,243,868 1,548,361 2,662,613 1,939,150 1,430,768 retained profit 73,073 73,067 1,921,165 (419,118) (418,342) net profit for the period 2,170,795 1,475,294 741,448 2,358,268 1,849,110 TOTAL EQUITY 16,601,291 15,828,219 16,185,457 15,394,056 14,307,082 TOTAL LIABILITIES AND EQUITY 168,558,797 168,548,558 165,015,233 167,539,589 158,954,969
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48A P P E N D I C E S • This presentation constitutes neither a sales offer nor an invitation to submit an offer to purchase or buy securities or financial instruments issued by BNP Paribas Bank Polska S.A. (“Bank”), nor any advice or recommendation with respect to the securities or other financial instruments issued by the Bank. • This presentation may include forward-looking statements, plans, perspectives and strategies, or anticipated events. Such statements cannot be treated as the Bank’s forecasts or assurances regarding its expected performance, as they are based on current expectations, projections and assumptions concerning future events. • The Bank’s expectations are derived from the current knowledge, experience and opinions of its Management Board, and are subject to a number of factors that could cause actual results to differ materially from the statements included in this presentation. • The Bank undertakes no obligation to update or publicly announce any changes and modifications with respect to any forward-looking statements contained herein. • Neither the Bank nor any of its representatives, parent entities or subsidiaries shall be held liable for any damage resulting from any use of this presentation or any information contained herein or otherwise arising in connection herewith. • This presentation is not intended for publication or distribution in any countries where such publication or distribution would be prohibited under applicable laws. • The presented data refer to the BNP Paribas Bank Polska S.A. Group. Disclaimer
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Investor Relations and ESG Reporting Bureau 2 Kasprzaka Street, 01-211 Warsaw relacjeinwestorskie@bnpparibas.pl www.bnpparibas.pl/en/investor-relations CONTACT BNP Paribas Bank Polska Spółka Akcyjna, with its registered office in Warsaw at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court Register (KRS) by the District Court for the capital city of Warsaw in Warsaw, 13th Commercial Division of the National Court Register, with KRS number: 0000011571, Tax Identification Number (NIP): 526-10-08-546, and a fully paid share capital of PLN 147,880,491.