Slides
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OF BNP PARIBAS BANK POLSKA SA GROUP 11 FEBRUARY 2026 PRESENTATION OF Q4 2025 RESULTS 2025
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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 in 2025 Completion of the GObeyond Strategy implementation – a good starting point for the Accelerate 2030 Strategy. Growth in business volumes in both segments. Record-high net profit due to revenue growth, 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 18.7 % +1 pp q/q +2 pp y/y PLN 93.6 bn +2% q/q +6% y/y 3.3 % -9 bps q/q -42 bps / PLN +3% / ~0% / 2.0 bn +3%* q/q +2%* y/y PLN 887 m +28% q/q +74% y/y 41.2 % ~0 pp q/q -2 pp y/y * w/o credit holidays impact • NBI higher due to an increase in net trading income, net interest income and net fee and commission income • Operating expenses under control. Positive one-off effect of the advisory costs review • Lower negative impact of CHF loan portfolio legal risk and credit risk costs • Further increase in Individual Customer loans and deposits. Continued growth of the investment product portfolio • Further increase in loans for Institutional Customers, significant seasonal increase in the value of deposits • Improvement of efficiency, sales and customer service processes • Achieving financial goals of the GObeyond Strategy above assumptions • Business objectives exceeded in the Corporate, Affluent and Wealth Management segments • New Accelerate 2030 Strategy - focus on business growth and profitability -33 bps* y/y PLN 3.1 bn PLN 8.2 bn 2025 Q4 2025 +30% y/y +6% / +5%* y/y * on a quarterly basis
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5K E Y H I G H L I G H T S Corporate & SME BankingRetail Banking INVESTMENT PRODUCTS* PERSONAL ACCOUNTS GOMOBILE PAYMENTS No. of transactions Customer business activity – sales & transactional trends Visible growth in y/y sales in Retail. Increase in transactionality across both Customer segments * Investment funds, structured certificates and investment deposits MORTGAGE LOANS CASH LOANS y/y q/q q/qy/y PAYMENTS VOLUME ACTIVE CUSTOMERS SME CORP. SME CORP. 4Q 24 1Q 25 2Q 25 3Q 25 4Q 2520252024 4Q 24 1Q 25 2Q 25 3Q 25 4Q 2520252024 4Q 24 1Q 25 2Q 25 3Q 25 4Q 2520252024 4Q 24 1Q 25 2Q 25 3Q 25 4Q 2520252024 20252024 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 20252024 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 -12% -8% +6% -16% -2% +0% +12% +1% +15% +13% +258% +16% +2% -1% We support our Customers in business development actively participating in key deals on the market
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6K 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 88,387 89,637 89,280 91,442 93,560 5.7% 5.7% 5.6% 5.6% 5.6% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 +1.8% q/q +2.6% q/q 5.7% 5.3% 5.2% 5.3% 5.6% 130,475 126,560 128,812 129,255 140,888 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 +4.7% q/q +12.4% q/q 3,017 2,988 2,874 2,762 2,694 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 -2.9% q/q +0.5% q/q +2.3% q/q +5.9% y/y +9.0% q/q +8.0% y/y Market share -2.5% q/q -10.7% y/y Continued increase in loan volumes across both Customer segments. Acceleration of deposit growth, year-end effect in the Institutional Customer segment. Completion of the Individual Customer database review process increase in Individual Customer deposits in the Affluent and Private Banking subsegments significant, seasonal increase in Institutional Customer deposits increase in the number of Institutional Customers in the Micro and Corporate subsegments growth in Individual Customer loan portfolio related to maintaining the level of mortgage loan sales and increase in car and instalment loan sales growth in Institutional Customer loan volumes resulting from the expansion of the enterprise and farmers portfolio decrease in the total number of Individual Customers (impact of closing inactive accounts). Increase in the number of Affluent Customers and Private Banking Customers (+0.5% q/q in total) * number of Retail Customers according to new definition: Customers with existing valid contractual relation
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7K E Y H I G H L I G H T S Cost of credit risk and impact of CHF portfolio legal risk [PLN million] 1,045 740 1,978 796 499 266 275 34 246 174 1,311 1,015 2,012 1,042 673 2021 2022 2023 2024 2025 Cost of credit risk CHF legal risk impact -35.4% y/y Net banking income [PLN million] 561 Improvement of the core business profitability Record-high net profit due to the improvement of core revenues, cost control and lower impact of CHF portfolio legal risk, allowing the Bank to pay out higher dividend and strengthen the capital base Net profit [PLN million] IPS 188.0 663 IPS 188,0 663 623 Cost / Income [%] w/o costs of BGF, IPS and credit holidays 176 441 1,013 2,358 3,058 2021 2022 2023 2024 2025 52.9% 56.8% 42.5% 43.2% 41.2% 49.9% 42.9% 41.1% 41.0% 41.2% 2021 2022 2023 2024 2025 4,809 5,352 7,283 7,753 8,185 2021 2022 2023 2024 2025 +5.6% y/y +29.7% y/y Historically highest net banking income achieved due to: • significantly higher net trading income by 24.5%, • increase in net interest income by 2.6% y/y despite a decrease in interest rates (by 1.4% w/o credit holidays impact), • higher NF&C by 1.0% y/y. Operating expenses control enabling a decrease in the C/I ratio despite the increase in BGF costs. Exceeding PLN 3 billion of net profit in 2025. Profitability improvement
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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] (59) (27) 18 (97) (69) (308) (65) (249) (65) (119) 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Cost of risk CHF portfolio legal risk impact +82.6% q/q -61.3% y/y -29.0% q/q +15.9% y/y Cost of risk and impact of CHF portfolio legal risk [PLN million] 509 741 734 696 887 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 +27.5% q/q +74.2% y/y +32.3% q/q +27.5% y/y Net profit [PLN million] Record-high level of net profit. Positive impact of DTA reevaluation related to the change in income tax rates. Improvement of NBI, operating expenses under control and lower impact of credit risk +3.2% q/q +1.8% y/y +3.2% q/q +0.1% y/y -5.2% y/y +0.8% q/q 2,016 2,118 2,094 1,955 2,018 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 (810) (776) (790) (796) 0 (166) (10) (10) (10) (840) (976) (786) (800) (806) 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 BGF +0.8% q/q -4.1% y/y w/o BGF impact BGF * * * Financial results BGF • Increase in net banking income due to improved net interest income, net fee and commission income and net trading income. • Operating expenses maintained at a similar quarterly level, decrease in y/y terms. • Decreased cost of credit risk related to, among others, positive result on the sale of receivables. • Positive impact of the reevaluation of deferred tax assets resulting from the increase in future tax rates (PLN 174 million in Q4 2025) BGF
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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%) (0.12%) (0.02%) (0.16%) (0.19%) 12M 24 3M 25 6M 25 9M 25 12M 25 43.2% 46.1% 41.8% 41.6% 41.2% 41.0% 38.2% 37.7% 38.5% 38.8% 12M 24 3M 25 6M 25 9M 25 12M 25 Growth of return on equity. Further C/I improvement despite pressure on the net interest margin resulting from interest rate cuts. Low cost of credit risk 3.75% 3.64% 3.54% 3.43% 3.33% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 16.9% 19.0% 18.8% 18.1% 18.7% 12M 24 3M 25 6M 25 9M 25 12M 25 Financial ratios • Improvement in the reported Cost / Income ratio driven by operating expense control and increase in core categories of NBI. • Decrease in the net interest margin mainly due to PLN interest rate cuts. • Prudent 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 Investments drive economic growth; CPI inflation in the range of the Central Bank target Fast GDP growth driven by public sector and corporate investments Macroenvironment CPI inflation at the NBP target, while producer prices keep on falling Contribution of main components to CPI inflation (pp) -20 -10 0 10 20 30 Mar.18 Jun.19 Sep.20 Dec.21 Mar.23 Jun.24 Sep.25 Investment outlays of medium-sized & large corporates (% y/y) Gross Fixed investment, total (% y/y) -15 -10 -5 0 5 10 15 20 25 30 Jan.19 Oct.19 Jul.20 Apr.21 Jan.22 Oct.22 Jul.23 Apr.24 Jan.25 Oct.25 PPI (% y/y) CPI (% y/y) 0 3 5 8 10 13 15 18 20 Apr.19 Dec.19 Aug.20 Apr.21 Dec.21 Aug.22 Apr.23 Dec.23 Aug.24 Apr.25 Dec.25 Core inflation Food and soft drinks Fuels & Energy -5 -4 -3 -2 -1 0 1 2 3 4 5 -10 -8 -5 -3 0 3 5 8 10 Dec.22 Jun.23 Dec.23 Jun.24 Dec.24 Jun.25 Industrial production (% y/y) Construction output (% y/y) Retail sales (% y/y) GDP (% y/y, right axis) Source: Statistics Poland (GUS), Eurostat, Macrobond, BNP Paribas Monthly data from industry, trade and construction as well as preliminary estimates for the full year, point to GDP growth of ca. 4% y/y in Q4 2025. In the coming months, the economic growth rate may well remain around 4%, driven chiefly by accelerating public and private investments. In 2026, the inflow of funds from the EU is likely to exceed a record €40 billion. Rising capital expenditure should be accompanied by a further recovery in exports and a solid pace of consumer spending, supported by rising real incomes and falling interest rates. Lower commodity prices, a strong zloty and the slowing pace of nominal wage increases allowed CPI inflation to fall to the NBP target by the end of last year. Inflationary pressure is likely to remain low in the coming months as well.
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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 The Monetary Policy Council getting closer towards the end of the monetary easing process Source: Statistics Poland (GUS), Eurostat, NBP, PFSA, Macrobond, BNP Paribas The MPC has not yet finished cutting interest rates; zloty supported by strong economic f oundations Last year, the Monetary Policy Council cut interest rates by a total of 175 bps, and the NBP reference rate fell to 4.00%. We believe that this is not the end of monetary easing in Poland, but we expect that the central bank's actions in the coming months will be characterised by increased vigilance. Lower nominal interest rates do not affect the EUR/PLN exchange rate. The zloty is supported by a significant inflow of capital from abroad, which largely finances a small current account deficit. Ongoing economic recovery and lower interest rates provide for strong demand for loans from households and businesses. At the same time, given the large fiscal deficit and inflow of funds from abroad, deposits of the non-financial sector are likely to grow faster than loans. Macroenvironment Banking sector: Robust growth and lower interest rates are boosting credit demand 0 3 5 8 10 13 15 18 20 Jan.20 Aug.20 Mar.21 Oct.21 May.22 Dec.22 Jul.23 Feb.24 Sep.24 Apr.25 Nov.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 4.90-40 -30 -20 -10 0 10 20 30 Jan.20 Aug.20 Mar.21 Oct.21 May.22 Dec.22 Jul.23 Feb.24 Sep.24 Apr.25 Nov.25 CA & private financial flows (EUR bn, 12-monts sum, inverted axis) EURPLN rate (right axis) -5 -3 0 3 5 8 10 13 15 18 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 Jun.18 Mar.19 Dec.19 Sep.20 Jun.21 Mar.22 Dec.22 Sep.23 Jun.24 Mar.25 Dec.25 Corporate loans (% y/y) PLN-denominated housing loans (% y/y) Consumer loans (% y/y)
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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 – 12M 2025 Financial results Volumes Indicators Assets PLN 181 billion +7.9% y/y Loans (gross) PLN 94 billion +5.9% y/y Securities PLN 61 billion +9.7% y/y Customer deposits PLN 141 billion +8.0% y/y Investment products PLN 25 billion +28.1% y/y Equity PLN 18 billion +14.3% y/y Total Capital Ratio 16.86% Tier 1 13.60% ROTE 22.6% ROE 18.7% BVPS (PLN) 119.0 Net loans/deposits 65% LCR 293% NIM (net assets, quarterly) 3.33% Net profit PLN 3,058 million +29.7% y/y (PLN +699 million) Net banking income PLN 8,185 million +5.6% y/y (PLN +432 million), of which: net interest income: PLN 5,892 million,+2.6% y/y net fee & commission income: PLN 1,261 million,+1.0% net trading income: PLN 1,077 million,+24.5% y/y Expenses PLN -3,369 million +0.5% y/y (PLN -17 million) Expenses (w/o BGF) PLN -3,172 million -1.1% y/y (PLN +35 million) C/I Ratio 41.2% -2.1 pp y/y C/I Ratio (w/o BGF & credit holidays) 38.8% -2.3 pp y/y Impact of CHF portfolio legal risk on P&L PLN -499 million -37.3% y/y (PLN +297 million) Net allowances on expected credit losses PLN -174 million -29.1% y/y (PLN +72 million) PLN 3 billion of net profit driven by NBI improvement resulting from business growth, limited increase of operational expenses, lower costs of credit risk and CHF loan portfolio legal risk. Capital position strengthened
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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 32,858 32,815 32,830 33,831 34,428 55,529 56,822 56,450 57,611 59,131 88,387 89,637 89,280 91,442 93,560 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Institutional Customer loans Individual Customer loans +1.8% q/q +2.6% q/q +2.3% q/q +5.9% y/y +6.5% y/y +4.8% y/y 5.7% 5.7% 5.6% 5.6% 5.6% 4.8% 4.7% 4.7% 4.7% 4.7% 6.5% 6.5% 6.4% 6.5% 6.5% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Total Customer loans Individual Customer loans Institutional Customer loans 53.5% 54.4% 54.6% 54.8% 55.1% 9.3% 9.0% 8.6% 8.2% 8.1% 22.4% 22.0% 22.0% 22.3% 22.5% 0.5% 0.4% 0.4% 0.4% 0.3% 14.3% 14.1% 14.4% 14.3% 14.0% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Institutional Customers w/o farmers Farmers PLN mortgages FX mortgages Individual Customers other loans 50% Another quarter of the loan portfolio growth in both Customer 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 (+2.8% q/q, +5.6% y/y) • Increase in the value of other consumer loans (+5.1% q/q, +7.8% y/y) • quarterly decrease in the value of cash loan portfolio (-2.4% q/q, +1.4% y/y) Institutional Customers’ portfolio • increase in the enterprise loan portfolio (+3.2% q/q, +10.6% y/y), both investment loans and overdrafts • quarterly increase in the portfolio of individual farmers (+1.3% q/q, -7.8% y/y) • decrease in the leasing portfolio (-0.2% q/q, -3.6% y/y) Value of sustainable financing as at 31.12.2025: PLN 13.6 billion (+19.0% q/q, +33.9% 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 406 375 331 311 254 1,675 1,471 1,376 1,267 1,139 0.5% 0.4% 0.4% 0.3% 0.3% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 5,550 5,995 6,348 6,518 6,724 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 3,239 2,988 3,089 2,974 2,824 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 3,496 3,429 3,364 3,287 3,127 531 417 423 335 281 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Value of claims [PLN million] Number of new claims 168.0% 185.8% 197.1% 208.2% 224.3% 155.6% 161.8% 181.0% 188.3% 202.6% 90 86 73 68 56 Declining level of risk. Continuation of the downward trend in the number of new claims IFRS 9 adjustment foreign currency 72.3% 2.9 k Portfolio structure (value) & number of active loans denominated 27.7% 2.4 k In Q4 2025: 281 new lawsuits (in Q3 2025: 335). Out of 5,182 validly concluded proceedings: • 3,779 cases ended unfavourably, • 908 ended with court settlements, • 317 were discontinued due to a settlement, • 93 were discontinued due to a clearing, • 42 ended favourably for the Bank. Results of individual negotiations of settlements with Customers as at 31.12.2025: • 14,473 individual settlement offers presented to Customers, • 7,130 negotiation proposals accepted by Customers, • 6,724 settlements concluded. • Balance sheet provision for conversions related to CHF legal risk as at 31.12.2025: PLN 146 million (as at 30.09.2025: PLN 127 million). • In Q4 2025, the Bank used PLN 62 million for conversions and PLN 193 million for the final judgments (Q3 2025: PLN 48 million and PLN 151 million, respectively). Total legal risk impact at the end of the period and the CHF portfolio coverage ratio [PLN million] -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 55,184 55,468 56,268 56,538 59,183 75,290 71,092 72,544 72,717 81,705 130,475 126,560 128,812 129,255 140,888 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Individual Customer deposits Institutional Customer deposits 238.4 286.8 247.2 237.1 292.8 5.7% 5.3% 5.2% 5.3% 5.6% 4.4% 4.3% 4.3% 4.3% 4.4% 7.1% 6.5% 6.3% 6.4% 7.0% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Total Customer deposits Individual Customer deposits Institutional Customer deposits 66.1% 62.9% 63.9% 63.6% 66.9% 33.0% 36.3% 34.9% 34.4% 32.2% 0.8% 0.8% 1.1% 1.9% 1.0% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Current accounts Term deposits Other liabilities 78% +9.0% q/q +8.0% y/y +12.4% q/q +4.7% q/q +7.2% y/y +8.5% y/y Acceleration of the growth in Individual Customer deposits, strong seasonal increase in Institutional Customer deposits Changes in the volume and structure of deposits Market shares [%] Customer deposits [PLN million] • Seasonal growth in deposits from Institutional Customers driven by an increase in deposits from enterprises +14.6% q/q, (+8.7% y/y) and from farmers +23.0% q/q (+2.5% y/y). Decrease in deposits from the public sector -24.2% q/q (+13.0% y/y). • Further growth in deposits from Individual Customers in the Affluent and Private Banking segments. • Noticeable increase in the share of current accounts in total deposits to 66.9% at the end of Q4 2025 (+3.2 pp q/q, +0.7 pp y/y).
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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 5,407 6,258 6,666 6,514 6,939 68 66 2 2 1 8,198 8,928 8,905 9,644 10,318 2,147 2,096 2,086 1,990 2,057 2,987 3,400 3,661 4,246 4,602 529 543 659 742 854 19,334 21,290 21,980 23,138 24,771 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 DPM* Other funds Structured products BNP Paribas Group Funds Unit-linked Insurances Instruments on brokerage accounts 49.8% 46.7% 50.3% 57.2% 55.3% 4.8% 5.0% 5.2% 5.1% 5.0% 37.8% 40.9% 36.5% 30.0% 31.9% 2.7% 2.4% 2.4% 2.2% 2.2% 4.8% 5.0% 5.6% 5.5% 5.6% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Short-terms debt securities funds Stock funds Debt funds Mixed funds Defined date funds (Employee Capital Plan) +7.1% q/q +28.1% y/y Increase in the value of investment funds , Customers’ assets on brokerage accounts and DPM Continuation of the trend of increasing value of investment products, primarily in investment fund assets • In Q4 2025, a significant increase in the value of funds invested in BNP Paribas Group investment funds (+7.0% q/q, +25.9% y/y), mainly in debt funds. • Noticeable increase in the value of Customers’ assets on brokerage accounts (+6.5% q/q, +28.3% y/y). • Further increase in the value of Customers’ assets in other funds (+8.4% q/q, +54.1% y/y). • Increase in the value of the DPM portfolio, (+15.1% q/q, +61.6% 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 3.33%3.43%3.54%3.64%3.75% 4Q 253Q 252Q 251Q 254Q 24 9,87310,245 (3,981)(4,504) 12M 2512M 24 (949)(994)(1,018)(1,020)(1,113) 2,4172,4502,4922,5142,653 4Q 253Q 252Q 251Q 254Q 24 Interest expense Interest income 73% +2.6% y/y -4.7% y/y +0.8% q/q +1.4% y/y -2.5% y/y +0.8% q/q Slight increase in net interest income following a larger business scale offsetting interest rate cuts impact * w/o impact of credit holidays 5,8925,741 12M 2512M 24 1,4681,4571,4731,4941,540 4Q 253Q 252Q 251Q 254Q 24 * * * Changes in net interest income • Y/Y and q/q increase in net interest income driven by higher interest income from securities due to the growth of the portfolio value and improvement in net interest income from derivative instruments as part of hedge accounting, supported by the optimisation of Customer deposit costs. • In 2025, no negative impact of credit holidays (in 2024: PLN -69.5 million). Excluding the impact of credit holidays, net interest income higher by 1.4% y/y.
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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 7 (5)(4)(4)4 8782968194 78767779 81 6769 819872 3627 403735 41 39 383730 317 289 328327316 4Q 253Q 252Q 251Q 254Q 24 Other fees Loans and leasing Accounts and settlement operations Cards Insurance Asset management and brokerage operations (5)(8) 346356 310329 316294 139148 155130 1,2611,249 12M 2512M 24 382357390391379 (65)(68)(62)(64)(63) 4Q 253Q 252Q 251Q 254Q 24 Fee and commission income Fee and commission expenses 1,5201,529 (258)(279) 12M 2512M 24 16% +1.0% y/y +10.0% q/q+0.5% 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. • Increase in quarterly net fee and commission income mainly due to higher insurance commissions, credit and guarantee commissions as well as fees and commissions for M&A consulting. Increase in net fee and commission income on a quarterly and annual basis. Increase in the share of asset management and brokerage operations fees
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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 income Margin on FX and derivative transactions with Customers [PLN million] included in net trading income 248226 318285 223 4Q 253Q 252Q 251Q 254Q 24 779723 12M 2512M 24 176166 235202195 4Q 253Q 252Q 251Q 254Q 24 12% +24.5% y/y +11.5% y/y +9.9% q/q +7.7% y/y -9.7% y/y +6.1% q/q Increase in net trading income on a quarterly and annual basis, among others, improvement of the margin on Customer transactions Net trading income • Y/y increase in net trading income due to higher margin on foreign exchange and derivative transactions with Customers (mainly large interest rate instrument transactions in H1 2025), higher results in the area of assets and liabilities management (FX swaps) and higher results on the own investment portfolio. • Quarterly increase in net trading income resulting from higher margin on foreign exchange and derivative transactions with Customers and higher result on the own investment portfolio. 1,077 865 12M 2512M 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 amortisation w/o costs of BGF and credit holidays (395)(411)(407)(401)(391) (259)(248)(241)(281)(317) (142)(131)(128)(127)(133) (10)(10)(10) (166) 0 (806)(800)(786) (976) (840) 4Q 253Q 252Q 251Q 254Q 24 Personnel expenses Other administrative costs Depreciation & amortization Bank Guarantee Fund (1,615)(1,554) (1,028)(1,139) (529)(514) (196)(144) (3,369)(3,352) 12M 2512M 24 41.2%41.6%41.8%46.1%43.2% 38.8%38.5%37.7%38.2%41.0% 12M 259M 256M 253M 2512M 24 7,232 7,3357,3577,4197,478 12M 259M 256M 253M 2512M 24 +0.5% y/y -1.1% y/y -4.1% y/y -5.2% y/y +0.8% q/q +0.8% q/q - 2.1 pp y/y - 2.3 pp y/y -3.3% y/y ** * Cost control and optimisation related to further efficiency improvement supported by one-off release of provisions * w/o BGF costs Changes in operating expenses • Comparable costs y/y. Higher personnel costs, BGF, IT and marketing expenses, with a simultaneously decrease in the costs of external services advisory costs. Decrease in the level of costs without BGF fees. • Slightly higher q/q costs due to an increase in IT, amortisation, business travel and meeting expenses, offset by lower external service, advisory and personnel expenses. • Efficiency improvement and further optimisation of employment. Employment in the Group [active FTEs, 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] 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Quartely cost of risk* (27) (12) +8 (43) (30) (76) (10) 21 (85) (65) 17 (18) (2) (12) (3) (59) (27) 18 (97) (69) 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Institutional Customer loans Individual Customer loans (209) (139) (37) (35) (246) (174) 12M 24 12M 25 -29.0% q/q+15.9% 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 amortised cost (calculated based on quarter-end balances). Net allowances on expected credit losses in 12M 2025 amounted to PLN -174 million (PLN -69 million in Q4) Accumulated cost of risk at the level of 19 bps (30 bps in Q4) The impact on the cost of risk in Q4 2025 was driven by the persistently good quality of the loan portfolio reflected in low entries to Stage 3 and recoveries from the non-performing portfolio. Cost of risk in Q4 2025 was significantly impacted by, among others: • increase in allowances for fragile Institutional Customers in the photovoltaic farm segment in Stage 2 (PLN 41 million), • changes and updates of parameters, resulting in creation of PLN 31 million provisions (including creation of PLN 43 million in the Institutional Customer portfolio and the release of PLN 11 million in the Individual Customer portfolio), • positive result on the sale of receivables in the amount of PLN 23 million (including PLN 17 million on the Institutional Customer portfolio and PLN 6 million on the Individual Customer portfolio). In 2025, net allowances on expected credit losses amounted to PLN -174 million, which was mainly impacted by good results in H1 2025 (recoveries realised on the non-performing portfolio and model changes implemented in Q2 2025). In H2 2025, the Group reported cost of risk in line with long-term assumptions. -29.1% 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 NPLs* in the portfolio measured at amortised cost Institutional loans – share of NPLs* Loan portfolio quality Loans to Individual Customers – share of NPLs* Gross NPL portfolio* [PLN million] 2.2% 2.2% 2.1% 2.1% 1.9% 1.4% 1.4% 1.4% 1.3% 1.2% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Loans to individual Customers Mortgage loans 3.2% 3.2% 3.2% 3.0% 2.8% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 3.7% 4.4%4.4% 4.8% 5.2% 3.3% 3.7% 3.9%4.0%4.0% 3.3% 3.6%3.8%3.8%3.8% 3.3% 2.4% 2.7%2.6% 2.9% 4Q 253Q 252Q 251Q 254Q 24 Farmers Institutional Customer loans total Institutional Customer loans excl. Farmers Leasing 1,4701,5841,6271,6171,539 268316322367405 256277277286288 400448415452427 207152172169188 2,6012,7772,8142,8912,848 4Q 253Q 252Q 251Q 254Q 24 Leasing Other retail loans Retail mortgages Loans to Farmers Insitutional Customer loans excl. Farmers -6.3% q/q-8.7% 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 amortised cost) was 2.9% at the end of Q4 2025. Stable NPL level in the Institutional Customer segment related to NPL sales in Q4. NPL increase for Leasing Institutional Customers related to the transfer of one Customer to Stage 3. Low NPL level related to NPL sales at the level of PLN 160 million in Q4 with a 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% 86.4% 86.8% 88.0% 10.7% 10.6% 10.5% 10.1% 9.2% 3.2% 3.2% 3.2% 3.0% 2.8% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Stage 1 Stage 2 & POCI performing Stage 3 & POCI non-performing 6.0% 5.9% 5.3% 5.3% 6.7% 1.1% 1.1% 1.0% 1.0% 1.0% 0.5% 0.5% 0.4% 0.5% 0.4% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Coverage Stage 2 & POCI performing Coverage Stage 1 & 2 & POCI performing Coverage Stage 1 12.5% 12.7% 12.7% 12.6% 11.5% 10.7% 10.6% 10.5% 10.1% 9.2% 7.6% 7.1% 6.6% 5.9% 5.3% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Loans to institutional Customers Total gross loans Loans to individual Customers 67.0% 67.2% 67.5% 67.8% 68.5% 54.0% 51.5% 52.0% 54.6% 54.1% 49.6% 46.1% 46.9% 49.9% 49.2% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 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. Stable level of NPL coverage Increase in the Stage 2 share related to, among others, an increase of allowances to Stage 2 of fragile Customers in the photovoltaic farm segment. Decrease in the Stage 2 share in both the Individual and Institutional Customer portfolios (which was impacted by, among others, reclassification of entities to Stage 1 as a result of the review of entities exposed to trade sanctions).
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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. Bank meets KNF criteria for a dividend payout from 2025 net profit TCR Total risk exposure amount (PLN billion) x Tier 1 x Total risk exposure amount (PLN billion) 16.0 15.9 17.1 17.4 17.5 17.20% 16.19% 17.44% 17.51% 16.86% 11.00% 11.00% 11.00% 12.00% 11.75% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Total own funds TCR (reported) TCR (regulatory requirement) 92.8 98.4 98.1 99.6 103.7 12.8 12.8 14.1 14.1 14.1 13.80% 13.05% 14.34% 14.15% 13.60% 9.00% 9.00% 9.00% 10.00% 9.75% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Tier 1 capital Tier 1 (reported) Tier 1 (regulatory requirement) 92.8 98.4 98.1 99.6 103.7 -34 bps y/y -20 bps y/y TCR and Tier 1 above the minimum regulatory requirement as at the end of Q4 2025: +5.1 pp and +3.8 pp, respectively The Bank’s Management Board intends to allocate ~50% of the Bank’s 2025 net profit for dividend payment An increase in total risk exposure among others as a result of loan portfolio value growth. Additional regulatory capital requirements for the Bank at the end of Q4 2025: • OSII buffer at 0.25% (from 21 November 2025), • Countercyclical buffer at 1.0% (up from September 2025). The Bank’s MREL-TREA ratio as at the end of Q4 2025 stood at 21.88%, above the minimum MREL requirement of 19.68% (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 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 The Bank's new strategy was announced on 10 December 2025A C C E L E R A T E 2 0 3 0 • Volatility and lack of stability of the geopolitical situation shaped by the world's dominant countries. Trade war and rising defense expenditures • GDP growth of 3.5% in 2026 supported by inflow of NRP funds and improving environment for Polish exports. Corporate sector to grow in investments alongside with increasing profits. Solid consumer demand secured by stable financial condition of households • The MPC continues its monetary policy easing process, further interest rate cuts expected • The sustained high liquidity on the market, further decline in interest rates and gradual demographic changes increasing competitive pressure in the sector • Legal and regulatory risks, including strong Customer-centric regulations • Transformation towards a full-scale implementation of gradually adapted new technologies, the scale of cybercrime growing in proportion to technological development
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29S U M M A R Y & O U T L O O K 2026-30 strategic pillars Key ambitions by end-2030 We support you to make your plans and dreams come true. Whenever, wherever. Mission More than a top international bank and a leader in sustainable finance. To be your trusted companion addressing local needs and bringing global opportunities. Vision ACCELERATE 2030 Strategy – priorities & ambitions Our new strategy focuses on profitable accelerated growth and efficiency improvement Retail Customers +1 million net Corporate loans 10% market share ROTE1 22% New sustainable loan production PLN 25 billion C/I w/o bank tax <38% 1. Return on tangible equity (ROTE) – calculated as net profit/loss divided by the average tangible equity, i.e. total equity re duced by the planned dividend from the current year's result, intangible assets and AT1 instruments Expand Significantly increase Customer base, especially daily banking, volumes and cross-selling. Integrating Customer experience mindset in all we do Streamline Build on efficiency improvement track record to decrease cost-to-serve, taking advantage of technology gains Impact Do what matters: drive positive change at national level, by leading sustainable transformation among our Customers Dividend payout in 2030 75%
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30S U M M A R Y & O U T L O O K ACCELERATE 2030 Strategy – business activity Market trends vs our priorities << AI to accelerate growth & efficiency … driven by engaged people & shared culture >> Individuals & micro • Customer relations anchored around the current account • Rising multi-banking: 59% of Poles use at least two banks1 • Aging society and last large youth wave Market trends Business • Rapid expansion of large entities • Energy, infrastructure, defense, information & communications technologies, transport & logistics with the highest loan growth potential • Radically improve value proposition & brand recognition for segments with the highest potential: mainly Gen-Z (age 18-30) & families • Strengthen Customer relations and drive profitability through deposits and cross-selling • Expand the leading Affluent & Private Banking franchise • Continue scaling our MNC franchise • Unlock the full potential of Polish Corporates3 through deployment of the BNP Paribas Group solutions • Maintain a stable and efficient SME franchise Fast adoption of cutting-edge technologies • Polish banks among Top 3 in Europe in terms of digital excellence2 Energy transition & decarbonisation Sustainable Agri & Food • Decarbonisation needed to preserve Poland’s competitiveness, security & independence • Adoption of regenerative techniques to expand in Poland • Retail: Mobile 1st distribution model with an optimised role of branch network • Operational excellence for the best-in-class service model in SME & Corporate banking • Efficiency driven by AI • Core Tech: uninterrupted service, secure & scalable foundations to achieve the bank’s goals • Optimise the jaws4 effect and net cost savings while investing • Finance a wide range of investments in decarbonisation in an industrialised way • Support and finance changes in the agriculture and all related economic sectors Increase efficiency through investments Corporate banking Strengthen our leading position by leveraging the BNP Paribas corporate DNA Retail banking Scale up above the 5% market share in current accounts Reinforce leading position in sustainable financing Our priorities 1. KANTAR, e-Zoom Finance 2025; 2. BCG, White Paper, „Banks Boost CIR by up to 12% as Digital Leapfrogs Drive Omnichannel Breakthrough”, July 2024; 3. Polish corporations with annual net sales revenue exceeding PLN 80 million for the previous fiscal year ; 4. Jaws ratio calculated by subtracting dynamic of costs from NBI growth on y/y basis
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Business activities 0505
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32B U S I N E S S A C T I V I T I E S 2.7 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* 115 146 172 4Q 24 3Q 25 4Q 25 56.6 56.3 49.5 32% 22% 20% 4Q 24 3Q 25 4Q 25 share of digital sales (E2E) 882 1,199 1,004 15% 15% 15% 4Q 24 3Q 25 4Q 25 share of digital sales (E2E) 2,694 3,374 3,119 78% 68% 69% 4Q 24 3Q 25 4Q 25 share of digital sales E2E (pcs.) +18% q/q+50% y/y -12% q/q-13% y/y +14% y/y -16% q/q -8% q/q+16% y/y -323 thous. -68 thous. -10.8% y/y -2.5% q/q Sales growth on a cumulative basis. Ongoing development of the electronic banking functionality thous. Business development Customer satisfaction – NPS ratio (change q/q) Product offer Sales – Q4 value, change q/q || y/y • Investment products**: PLN 3.1 bn, -8% || +16% • Mortgage loan: PLN 1.4 bn, -2% || +178% • Cash loan: PLN 1.0 bn, -16%, || +14% • Personal account: 49.5 thous., -12% || -13% • Credit card: 7.1 thous., -18% || +4% • Micro loan (incl. leasing): PLN 1.0 bn, +29%, || +18% • 19.0 million BLIK transactions: +9% q/q || +14% y/y • 91.1 million logins to mobile banking: +3% q/q || +8% y/y Digital sales in Q4 2025, share in the total number of products sold: • cash loans: 50% (48% in Q3 2025) • investment products**: 69% (68% in Q3 2025) Digitalisation – Q4 2025 • "Lucky Sevens - 3x7%" promotion - triple benefits for opening an account: 7% on a savings account 7% cashback on card payments 7% on the Konto Pełne Marzeń account relational: 28 (-1 point) • 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% Placement Account" - promotion for new Business Customers BNP Paribas Wealth Management with the title of the best private banking in Eastern Europe New functionalities in e-banking: • Making available the consolidation loan sales process which allows Customers to repay loans listed in BIK • Increasing security by implementing a 'Panic Button' solution in the Mobile app – instantly blocking access to online banking • Optimising the process of sending documents to the Bank for car loans: insurance policies and registration certificates • Simplifying the video verification process in the course of account opening for Individual Customers in contact channels • Branches: 73 (+1 point) • Contact Centre: 59 (+2 points) • Mobile app 73: (no change) • Electronic banking: 67 (+1 point) * number of Retail Customers according to new definition: Customers with existing valid contractual relations. Decrease in number of Customers related to Customer database review process performed in 2025 and closing of inactive accounts ** investment funds, investment deposits and structured certificates *** all subsegments (incl. Personal Finance)
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33B 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 3,877 (2,152) (1) (796) (185) 743 3,998 (2,202) (6) (499) (211) 1,079 Net banking income Operating costs Cost of risk CHF provisions Banking tax Gross profit/loss 12M 24 12M 25 49% +2% y/y +371% y/y -37% y/y +14% y/y +45% y/y +3.2% y/y +9.6%y/y +5.9% q/q Gross profit growth driven by lower negative impact of CHF portfolio legal risk and increase in key categories of NBI * due to the 2025 re-segmentation, the 2024 data are presented on a comparative basis 11,345 11,362 11,547 11,780 11,858 4,502 4,440 4,459 4,516 4,808 3,935 3,875 3,798 3,675 3,354 19,925 19,864 19,722 20,481 21,086 1,895 1,829 1,833 1,825 1,898 826 799 811 801 779 42,429 42,170 42,169 43,078 43,784 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Credit cards Lease receivables Retail estate financing loans Overdraft facilities Investment loans Consumer loans and other loans 32,859 32,814 33,613 34,099 35,443 12,747 12,188 12,918 13,868 15,615 26,499 26,904 26,801 26,192 27,734 558 472 948 1,055 86672,663 72,377 74,280 75,213 79,658 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 O/N deposits Term deposits Savings accounts Current accounts +3% y/y ( -2% y/y ) Gross profit in 12M 2025 w/o the impact of CHF portfolio legal risk and credit holidays would equal PLN 1,578 million vs PLN 1,608 million in 12M 2024 +1.6% q/q
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34B U S I N E S S A C T I V I T I E S 21.9 thous.12.6 thous. SME Customers Corporate CustomersCorporate & SME Banking - 0.6…+ 0.3 thous., + 0.1 thous., +2.8% y/y +1.2% q/q - 0.6 thous., - 0.0 thous., -2.5% y/yFocus on addressing Customers’ needs and service quality Transformation and digitalisation – digital acceleration and new offer in 2025 • Increase in revenues q/q: Corporate Banking +4.1%, SME Banking +1.6% q/q and decrease y/y: Corporate Banking -5.1%, SME Banking -3.9%, mainly due to the decline in interest rates • Increase in loan volumes: Corporate Banking +3.2% q/q (+10.9% y/y), SME Banking +0.6% q/q (-0.7% y/y) • Further development of the sustainable loan portfolio* (Corporate Banking & SME) - the total portfolio at the end of 2025 amounted to PLN 9.6 billion (+5.6% q/q, +26.0% y/y) • Increase in deposit volumes: Corporate Banking +19.9% q/q (+6.6% y/y), SME Banking +7.2% q/q (+3.0% y/y) due to higher funds held on current accounts • Leasing sales (new volume in Q4 2025): for Corporate Customers - PLN 314 million (+34% q/q, -13% y/y); for SME Customers - PLN 82 million (-5% q/q, -15% y/y) Business development Selected significant transactions carried out in Q4 2025 Net fee and commission income decrease in income from credit activities and cash management Revenues -1% y/y +7% q/q -12% y/y +6% q/q Foreign exchange transactions higher transactionality of Customers in Q4 2025 -0.2% q/q Net income • Expansion of the GO Biznes ecosystem: GOonline Biznes - new version of the Import Letters of Credit module and a new Administrator Panel, GOmobile Biznes - new card module, enabling full card service directly on the phone, GOwadia Plus - new specialised tool for handling auctions has joined the ecosystem, FX Pl@net - new version in English • Automation and process speed: • implementation of the credit process for a Farmer using an automatic decision engine, shortening the process time • expansion of the self-service functionality in the GO Biznes ecosystem • New in the offer: • Real-Time Banking – solution for domestic instant payments in PLN (Express Elixir) • new product packages for SMEs – designed bearing in mind various needs of companies and stages of development of companies • Mastercard Business World Elite – biodegradable made card offering advanced features and benefits 4Q 24 3Q 25 4Q 25 4Q 24 3Q 25 4Q 25 * 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.
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35B 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] 2,319 (676) (206) (125) 1,311 2,246 (677) (162) (123) 1,285 Net banking income Operating costs Cost of risk Banking tax Gross profit/loss 12M 24 12M 25 -3% y/y 0% y/y -22% y/y -2% y/y -2% y/y 17,154 17,820 17,684 18,273 18,037 9,692 10,803 10,677 10,913 12,080 1,927 1,776 1,744 1,734 1,819242 231 249 272 25629,015 30,631 30,354 31,191 32,192 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Factoring & other loans Lease receivables Overdraft facilities Investment loans +10.9% y/y +3.2% q/q 31,785 25,439 26,772 25,291 32,951 2 3 6 6 2 9,098 11,887 10,570 10,874 10,770 370 465 754 511 24541,256 37,795 38,103 36,681 43,968 4Q 24 1Q 25 2Q 25 3Q 25 4Q 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] +6.6% y/y +19.9% q/q
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36B 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] 826 (359) 1 (26) 441 792 (341) 57 (32) 475 Net banking income Operating costs Cost of risk Banking tax Gross profit/loss 12M 24 12M 25 -4% y/y -5% y/y +10102% y/y +21% y/y +8% y/y 2,989 2,938 2,949 3,007 3,062 2,592 2,585 2,437 2,541 2,525 515 477 466 469 467 6,096 6,000 5,852 6,016 6,055 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Lease receivables Overdraft facilities and other credit facilities Investment loans +0.6% q/q-0.7% y/y 12,830 11,965 12,273 12,064 13,632 54 42 42 31 293,626 4,067 3,813 3,752 3,345 16 10 16 20 816,526 16,084 16,144 15,867 17,015 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 O/N deposits Term deposits Savings accounts Current accounts 10%Increase in gross profit due to reduced operating expenses and positive impact of the cost of risk * due to the 2025 re-segmentation, the 2024 data are presented on a comparative basis Deposit portfolio* [PLN million] +7.2% q/q+3.0% y/y
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37B 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 5.5 9.6 8.3 8.9 8.5 8.4 14.3 14.2 14.5 13.8 13.9 2021 2022 2023 2024 31.12.2025 farmer -1% vs 2024 processor +4% vs 2024 73.7… thous.73.7 thous. Food & Agro Customers Sales and Customer relation support initiatives – active participation in industry events Food & Agro volumes Business development – new offer Development of relations with agricultural and food production market participants, support for sustainable transformation • Value Chain Financing – first transactions with agricultural and food processors were signed as part of the development of financing for the food production value chain (farmer-food procesor-distributor-consumer). • Sustainable agriculture – implementation of tools and operational activities supporting the transformation of the farmers’ portfolio toward regenerative agriculture, including meetings with farmers, press publications, and cooperation with external partners – signing of a cooperation agreement with the Polish Academy of Sciences. • X Farmers and Agribusiness Forum organised by the Top Agrar editorial team – participation in panels. • O N A: KOBIETA AGRO (SHE: AGRO WOMAN) – a new format of meetings organised by the Bank in cooperation with the LIDERKI INNOWACJI association for women who are farm owners, leaders of local communities, specialists, and innovators. • 7th edition of the Agroabsolwent competition for papers on innovative solutions in agribusiness. * due to the 2025 re-segmentation, the data for 2024 have been presented in comparative terms 31.12.2025 - a tool offering professional substantive knowledge and innovative technological solutions for the Food&Agro sector • Czas na finansowe zbiory campaign – deposit offer for Farmers from the Micro and SME segments. • Autumn crop insurance campaign – 1.5 thous. policies concluded for a total premium amount (without surcharge) PLN 14.4 million. • A new version of the revolving credit with FGR guarantee and interest subsidy (interest subsidy period extended to 24 months, increased subsidy for the Customer to 7%). The Bank achieved a 21% market share, which means third place among all banks granting these credits. PLN 13.9 bn +0.8% vs 2024 PLN 12.2 bn +4.1% vs 2024 Corporate 33% SME 24% Micro 42% LOANS DEPOSITS Corporate 36% SME 29% Micro 35% • Market analyses: access to the latest reports, price forecasts for agricultural products and daily reviews of industry media. • Technological tools: satellite field monitoring systems, precise weather forecasts and farm management software. • Support for the green transformation: e.g. AgroEmisja (greenhouse gas emission calculator), Regagri Explorer (tool for estimating the level of CO2 absorption in soil). In 2025 – 358.8 thous. unque users visiting the platform, 14.3 million views in Google Search (source: Google Search Console). 2025
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38B U S I N E S S A C T I V I T I E S Bank subsidiaries Leasing assets [PLN million] 6,940 6,904 6,885 6,812 6,755 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 +7.0% q/q +25.9% y/y -0.8% q/q -2.7% y/y Continuation of investments in safer bond subfunds in Q4 2025. Leasing assets: good sales results in the Micro segment with a slight decrease in larger enterprises segment • The value of assets under management (AuM) at the end of 2025 amounted to PLN 10.3 billion by +25.9% y/y (+7% q/q). An increase in AuM by PLN PLN 2,120 million y/y (+675 million in Q4). • In Q4 2025, the Subfund BNP Paribas Domestic Debt Funds Universal had the highest net sales (PLN +171.2 million) followed by BNPP Globalny Strategii Dłużnych Uniwersalny (PLN +149.5 million). • The market share of BNP Paribas TFI S.A. (by asset value of capital market funds) reached 2.91% at the end of 2025 (Q3 2025: 2.94%). 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. • 19.8 thous. contracts concluded for a total value of PLN 3.3 billion at the end of 2025 (in Q4 2025: 5 thous. contracts for a value of PLN 0.9 billion). • PLN 6.8 billion - portfolio of financed assets at the end of December 2025 (-0.8% q/q). • 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. 8,198 8,928 8,905 9,643 10,318 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 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 GObeyond strategy Net banking income Profit and Loss Account Assets, Liabilities and Equity
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40A P P E N D I C E S Change in share price [30.12.2024=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] 24.0% 51.0% 25.0% 0% 20% 40% 60% 80% 30.12.24 30.01.25 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 30.11.25 31.12.25 31.01.26 119.0 112.3 107.0109.5 104.2 96.8 92.191.3 87.1 75.876.277.0 82.6 4Q 253Q 252Q 251Q 254Q 243Q 242Q 241Q 244Q 233Q 232Q 231Q 234Q 22 20,382.4 pts +65.1% y/y +71.9% y/y 146.5 PLN Record high share price resulting from, among others, introduction of the new Accelerate 2030 strategy and the sale of ca. 6.2% of shares by BNP Paribas SA (increase of free float to 25%). Low level of P/BV 30 January 2026 free-float: PLN 5.4 bn P/BV: 1.2 capitalisation: PLN 21.7 bn Shareholder structure (31.12.2025) 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. December 2025 - settlement of block trade transactions in connection with an accelerated book-building placement regarding sale of 9,214,025 Bank shares by BNP Paribas SA. BNP Paribas BNP Paribas Fortis Others 147,880,491 Free float 25.0% 30 January 2026
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41K E Y H I G H L I G H T S BLIK transactions quarterly [thous.] Customers using digital channels [thous.] #GOdigital – statistics Number of tokens in digital wallets [thous.] GOmobile users [thous.] 1,661 1,680 1,674 1,674 1,704 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 611 631 651 674 656 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1,261 1,280 1,289 1,306 1,341 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 16,653 16,289 17,452 17,512 19,027 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 +2% q/q +3% y/y -3% q/q +7% y/y +3% q/q +6% y/y +9% q/q +14% y/y Continued growth in transactionality and the number of e-banking and mobile banking users #GOdigital GOdealer application GOmakler application GOinvest service
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42A 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 (recognised 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 • PLN -119.2 m - CHF mortgage loan portfolio legal risk impact • PLN +174.1 m - impact of DTA reevaluation
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43A P P E N D I C E S 43A P P E N D I C E S Institutional Customer loans** [PLN million]Individual Customer loans [PLN million] Loan portfolio 19,780 19,753 19,650 20,416 21,062 427 395 350 331 2734,164 4,099 4,123 4,270 4,488 8,487 8,568 8,707 8,815 8,605 32,858 32,815 32,830 33,831 34,428 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Cash loans Other loans to individual customers* FX mortgage PLN mortgage 40,710 42,273 42,282 43,654 45,041 8,232 8,041 7,693 7,491 7,5906,520 6,439 6,403 6,295 6,283 68 70 72 170 21855,529 56,822 56,450 57,611 59,131 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Public sector Leasing Farmers Enterprises +4.8% y/y +1.8% q/q +6.5% y/y +2.6% q/q • Increase in the PLN mortgage portfolio: +3.2% q/q (+6.5% y/y). Further decline in the value of CHF mortgages (-18.4% q/q, -37.4% 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: 62.0% (+0.6 pp q/q, +0.5 pp y/y). • Decrease in the cash loan portfolio: -2.4% q/q (+1.4% 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 (+10.6% y/y), to individual farmers: +1.3% q/q (-7.8% y/y) and to the public sector: +28.0% q/q (+220.8% y/y). Negative dynamics of the leasing portfolio: -0.2% q/q (-3.6% y/y). • Shares in loans to Institutional Customers at the end of Q4 2025: • loans to enterprises: 76.2% (+0.4 pp q/q, +2.9 pp y/y), • Individual farmers: 12.8% (-0.2 pp q/q, -2.0 pp y/y), • Leasing: 10.6% (-0.3 pp q/q, -1.1 pp y/y).
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44A P P E N D I C E S Deposit structure by Customer type [PLN million]Deposit term structure [PLN million] Deposit base structure 86,302 79,608 82,358 82,268 94,196 43,070 45,888 45,010 44,472 45,326 1,103 1,064 1,444 2,515 1,366130,475 126,560 128,812 129,255 140,888 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Other liabilities Term deposits Current accounts 55,184 55,468 56,268 56,538 59,183 67,636 63,091 65,297 64,147 73,512 3,336 3,946 3,454 4,975 3,769 4,318 4,055 3,792 3,596 4,425 130,475 126,560 128,812 129,255 140,888 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Farmers Public sector Enterprises Individual Customers 65.8% 68.9% 67.5% 68.8% 64.7% net loans / deposits +8.0% y/y +9.0% q/q +8.0% y/y +9.0% q/q • In Q4 2025, deposits from Individual Customers increased by 4.7% q/q (+7.2% y/y). from farmers by 23.0% q/q (+2.5% y/y) and from enterprises by 14.6% q/q (+8.7% y/y). Deposits from the public sector decreased by 24.2% q/q (+13.0% y/y). Term structure of deposits and by Customer segment • Increase in the share of Customers' current accounts in total deposits: 66.9% at the end of Q4 2025 (+3.2 pp q/q, +0.7 pp y/y). • Increase in both current accounts and term deposits by PLN 11,928 million (+14.5% q/q) and PLN 854 million (+1.9% q/q), respectively. • Increase in current accounts of Institutional Consumers by PLN 10,030 million (+19.8% q/q), and current deposits of Individual Consumers by PLN 1,897 million (+6.0% q/q). • Increase in term deposits of Institutional Consumers by PLN 128 million (+0.6% q/q), and term deposits of Individual Customers by PLN 726 million (+3.0% q/q).
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45A 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 66.1% 62.9% 63.9% 63.6% 66.9% 33.0% 36.3% 34.9% 34.4% 32.2% 0.8% 0.8% 1.1% 1.9% 1.0% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Current accounts Term deposits Other liabilities 58.1% 64.6% 62.7% 59.9% 59.2% 0.6% 0.6% 0.6% 0.6% 0.4% 41.3% 34.8% 36.7% 39.6% 40.4% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 Securities measured at amortised cost Securities measured at FV through P&L Securities measured at FV through OCI +9.0% q/q +8.0% y/y +1.0% q/q +9.7% y/y 238.4 286.8 247.2 237.1 292.8 - 500.0 55,713 53,255 58,190 60,559 61,141 33.3% 32.3% 34.5% 35.9% 33.8% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 130,475 126,560 128,812 129,255 140,888 77.9% 76.7% 76.4% 76.7% 78.0% 31.12.24 31.03.25 30.06.25 30.09.25 31.12.25 159.8 156.4 160.4 159.9 167.0 0.0 500.0 NSFR [%]x
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46A P P E N D I C E S GObeyond Strategy 2022-25 Key achievements in 2025 P O S I T I V E - commitment to financing the green transition UP - supporting innovative solutions that change banking services • New offer: GOdreams – service with flexible fundraising plans together with the Konto Pełne Marzeń account; Pupil Card for animal lovers, new edition of Visa tennis card, a biodegradable Mastercard World Elite for Business Customers; loan for green investments for the microenterprises segment and InvestEU Fund-backed loan - for SMEs & Small MidCap companies for investments in modern technologies and R&D • New solutions: Kantox Dynamic Hedging® - a currency risk management solution; GOwadia Plus – an application for handling tender settlements; GOmobile Biznes mobile application with a new functionality – a module for handling debit, multicurrency, charge and credit cards • New partnerships: strategic financial partnerships with chain stores RTV Euro AGD and Media Expert; a pilot of new added service provided in Customer Centres – Paczkomat InPost parcel machines located in areas with 24/7 access; cooperation with Ryanair in the payment service by Axepta BNP Paribas gateway and making BLIK payments available to passengers • 1st place: for Visa Platinum credit card (money.pl) and for Moje Konto Premium account (Bankier.pl) • PLN 13.6 billion of sustainable financing at the end of 2025 (14.6% share in the loan portfolio) • Cooperation with development banks: InvestEU guarantees from the EBRD (EUR 100 million), Funds for Energy Efficiency in the Silesia Voivodeship with the EIB (PLN 300 million), BGK under support programmes • Financing linked to sustainable development, for example: - Green Loan - Polish Logistics (UK) LLP (EUR 31 million), Accolade (EUR 33.5 million) - Sustainability-Linked Loan – for Groups: Woodeco (EUR 155 million), Iglotex (PLN 84.9 million, 50% share of BNP Paribas) - ESG-Linked Factoring – cooperation in concluding an agreement by BNP Paribas Faktoring with Raben Logistics Polska (PLN 140 million) • Developing beyond banking offer – cooperation with EcoVadis, Envirly and Klim • Awards: POLSIF Awards – Best Sustainable Financing (Accolade) and Best Financing in the Sustainabilty, ESG Star in the "Banking Stars" ranking of Dziennik Gazeta Prawna and BCG 41.5% GOAL 2025: 50% Clients’ Centers with the “Barrier-free facility" certificate Share of sustainable assets in management 32.1% GOAL 2025: 30% % of key processes available via remote channels* 87% GOAL 2025: 90% +31% [vs 2021] GOAL 2025: >22% Increase in the number of active international Customers Digital sales (Individual Customers) 65% GOAL 2025: >50% Increase in the number of active food processors +30% [vs 2021] GOAL 2025: +30% * for individual Customers
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47A P P E N D I C E S GObeyond Strategy 2022-25 Key achievements in 2025 S T R O N G E R - implementing technologies supporting Customers and operational processes T O G E T H E R - building a diverse and engaged community • New technologies and automations improving operational efficiency of the Bank: - GENiusz Chatbot – extension of the scope of the new areas: HR, ESG, Customer Care, Digital Accessibility and Operations - genAI solutions development in the IT area - launch of mass qualified electronic signature on Autenti platform • Partner Startup Booster by Huge Thing – an acceleration programme for start-ups to test and develop breakthrough solutions on partner’s corporate infrastructure • "Cyfrowa Wyprawka" – joining the PFR initiative supporting the SME sector in the digital transformation • 250 active robots supporting the operations in the areas of: Customer operational service, risk and compliance, HR and Bank’s internal services (35 new implementations in 2025) • >50% of the Bank's net profit for 2024 was allocated to the dividend payment - DPS: PLN 7.86 • Implementation of the Beyond Agile work model in the Retail and Business Banking network & Personal Finance area - combining Agile practices with self-organisation within teams • 26.6 thous. hours of employee volunteering in 2025 (Group) • Support for children and youth in financial and cyber security education in the new edition of the "Misja Edukacja" programme • Three wins in the Employer Brand Management Awards for the #UNEXPECTEDJOBS campaign; Top Employer Polska 2025; Certificate "Diversity-friendly workplace" of the asperIT Foundation; Maximum score in the "Financial Institutions Supporting Professional and Social Equality of LGBT+ Persons " ranking by cashless.pl • The Bank as the strategic partner of the Noble Gift campaign (Szlachetna Paczka) for the 8th time 20 GOAL 2025: 20 Net Promoter Score of employees Share of women in the Bank's Management Board 37.5% GOAL 2025: 30% Operational efficiency increase +19% [CAGR vs 2021] GOAL 2025: >10% per year calculated as the volume of products per FTE in the Operations and Sales Support Area Number of use cases using AI or advanced data analytics 99 GOAL 2025: >200
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48A P P E N D I C E S Net banking income [PLN million] Q4 2025 Q4 2024 change Net interest income 1,468 1,540 (4.7%) Net fee and commission income 317 316 0.5% Net trading income 248 223 11.5% Net investment income 1 7 (90.8%) Dividends 0 2 (93.2%) Hedging accounting (9) 3 - Result on derecognition of financial assets measured at amortised cost (6) (30) (80.5%) Other operating income and expenses (1) (44) (98.5%) Net banking income 2,018 2,016 0.1% Net interest income and net trading income as key factors of net banking income growth on an annual basis • An increase in net interest income in 2025 vs. 2024 resulting from: • higher interest income from securities due to portfolio growth, • an improvement in net interest income on derivative instruments as part of hedge accounting • lower interest costs on deposits and no negative impact of credit holidays (PLN -69.5 million in 2024). • 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 resulting from an improved margin on foreign exchange and derivative transactions with Customers, result from transactions in financial instruments in the ALMT and CIB areas and gains on equity investments. A q/q decrease in net interest income resulting mainly from lower interest income on loans due to a decline in interest rates Slightly higher level of net fee and commission income; increase in asset management and brokerage operation fees, in the insurance area and other fees and commissions partially offset by lower commissions on credit activities and in the card segment. Increase in quarterly net trading income due to the higher result on financial instruments in the ALMT and CIB area as well as gains on equity investments. [PLN million] 12M 20 25 12M 20 24 c hange Net interest income 5,892 5,741 2.6% Net fee and commission income 1,261 1,249 1.0% Net trading income 1,077 865 24.5% Net investment income (2) 14 - Dividends 10 13 (25.7%) Hedging accounting (11) 2 - Result on derecognition of financial assets measured at amortised cost (20) (36) (44.9%) Other operating income and expenses (22) (97) (77.3%) Net banking income 8,185 7,753 5.6%
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49A P P E N D I C E S Consolidated P&L PLN thous. Profit and loss account 31.12.2025 31.12.2024 Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 Interest income 9,872,914 10,245,083 2,416,776 2,450,195 2,491,735 2,514,208 2,652,941 Interest expenses (3,980,830) (4,504,077) (948,952) (993,602) (1,018,394) (1,019,882) (1,112,840) Net interest income 5,892,084 5,741,006 1,467,824 1,456,593 1,473,341 1,494,326 1,540,101 Fee and commission income 1,519,765 1,528,554 381,957 356,638 390,035 391,135 378,852 Fee and commission expenses (258,296) (279,096) (64,633) (68,104) (61,913) (63,646) (63,199) Net fee and commission income 1,261,469 1,249,458 317,324 288,534 328,122 327,489 315,653 Dividend income 9,772 13,147 158 5,225 4,217 172 2,319 Net trading income 1,076,777 865,052 248,015 225,761 318,080 284,921 222,515 Net investment income (2,340) 14,374 673 (43) (596) (2,374) 7,352 Result on hedge accounting (11,161) 1,946 (9,279) 947 (238) (2,591) 2,774 Result on derecognition of financial assets measured at amortised cost (19,698) (35,739) (5,926) (12,786) 663 (1,649) (30,395) Other operating income 311,261 162,132 63,845 47,216 69,421 130,779 77,589 Net allowances on expected credit losses of financial assets and provisions for contingent liabilities (174,499) (246,192) (68,721) (96,774) 18,239 (27,243) (59,284) Result on legal risk related to foreign currency loans (498,751) (795,728) (119,197) (65,291) (249,358) (64,905) (307,710) General administrative expenses (2,839,585) (2,837,359) (663,825) (668,834) (658,080) (848,846) (707,349) Depreciation (529,082) (514,450) (142,188) (131,140) (128,338) (127,416) (132,851) Other operating expenses (333,202) (325,127) (64,509) (56,782) (98,815) (113,096) (121,802) Operating result 4,143,045 3,358,987 1,024,194 992,626 1,076,658 1,049,567 808,912 Tax on financial institution (393,352) (404,971) (101,088) (95,493) (95,329) (101,442) (100,946) Gross profit (loss) 3,749,693 2,954,016 923,106 897,133 981,329 948,125 707,966 Income tax (691,939) (595,748) (36,147) (201,632) (247,483) (206,677) (198,808) NET PROFIT (LOSS) 3,057,754 2,358,268 886,959 695,501 733,846 741,448 509,158
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50A P P E N D I C E S Assets PLN thous. Consolidated statements of financial position 31.12.2025 30.09.2025 30.06.2025 31.03.2025 31.12.2024 ASSETS Cash and balances with the Central Bank 10,224,866 6,916,304 7,556,716 6,128,762 11,325,551 Amounts due from banks 11,616,566 5,946,747 9,392,969 12,124,261 7,872,375 Derivative financial instruments 2,359,460 2,182,999 2,719,323 2,625,107 2,440,116 Adjustment of fair value of the hedging and hedged item 345,550 250,869 134,140 147,251 230,658 Loans and advances to customers valued at amortised cost 90,887,678 88,655,668 86,546,644 86,749,188 85,401,516 Loans and advances to customers valued at fair value through P&L 286,183 324,021 360,834 400,537 452,506 Securities valued at amortised cost 36,180,626 36,249,896 36,479,945 34,416,359 32,364,550 Securities valued at fair value through P&L 240,949 350,337 357,813 331,311 321,434 Securities valued at fair value through the other comprehensive income 24,719,802 23,959,004 21,352,388 18,507,034 23,027,454 Intangible assets 964,459 917,253 928,489 934,403 975,114 Property, plant and equipment 947,992 893,070 907,842 918,007 946,971 Deferred income tax assets 898,673 714,230 746,694 766,724 859,567 Current income tax assets 920 71 71 834 1,515 Other assets 1,051,540 1,198,328 1,064,690 965,455 1,320,262 TOTAL ASSETS 180,725,264 168,558,797 168,548,558 165,015,233 167,539,589
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51A P P E N D I C E S Liabilities and equity PLN thous. Consolidated statements of financial position 31.12.2025 30.09.2025 30.06.2025 31.03.2025 31.12.2024 LIABILITIES Amounts due to the Central Bank - - - - - Amounts due to other banks 10,145,231 10,680,231 10,614,897 10,207,033 9,994,802 Adjustment of fair value of the hedging and hedged item 320,087 247,513 276,193 184,550 260,025 Derivative financial instruments 2,276,575 2,154,992 2,369,359 2,291,975 2,311,741 Amounts due to customers 141,338,836 129,705,242 129,261,652 127,009,766 130,924,754 Subordinated liabilities - 2,720,740 3,413,087 3,391,316 3,420,128 Leasing liabilities 553,436 564,095 580,900 585,374 606,306 Other liabilities 2,048,795 3,004,132 3,316,891 3,245,723 2,296,756 Current income tax liabilities 177,971 120,111 109,261 43,396 361,641 Provisions 2,039,657 2,068,123 2,097,390 1,870,643 1,969,380 TOTAL LIABILITIES 163,126,956 151,957,506 152,720,339 148,829,776 152,145,533 EQUITY Share capital 147,880 147,880 147,880 147,800 147,800 Supplementary capital 9,180,883 9,180,883 9,180,883 9,155,136 9,155,136 Other reserve capital 4,672,514 4,683,609 4,695,800 4,044,967 4,042,815 Capital bonds 650,000 650,000 650,000 650,000 650,000 Revaluation reserve (183,796) (304,949) (394,705) (475,059) (540,845) Retained earnings 3,130,827 2,243,868 1,548,361 2,662,613 1,939,150 retained profit 73,073 73,073 73,067 1,921,165 (419,118) net profit for the period 3,057,754 2,170,795 1,475,294 741,448 2,358,268 TOTAL EQUITY 17,598,308 16,601,291 15,828,219 16,185,457 15,394,056 TOTAL LIABILITIES AND EQUITY 180,725,264 168,558,797 168,548,558 165,015,233 167,539,589
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52A P P E N D I C E S • The financial data contained herein are non-audited and preliminary. The final financial information will be presented in the Consolidated Financial Statements for the year ended 31 December 2025 and the Bank's Annual Report for the year ended 31 December 2025, which will be published on 5 March 2026. This document has been prepared for information purposes independently of the obligations of the BNP Paribas Bank Polska S.A. Group regarding periodic reporting and does not contain all the information and disclosures required by the International Accounting Standard 34 "Interim Financial Reporting" or required for the annual consolidated financial statements. The accounting standards adopted for the measurement of assets and liabilities and the determination of the financial result presented in this document do not differ from the accounting standards in force in 2025, which will be described in detail in the Consolidated Financial Statements of the BNP Paribas Bank Polska S.A. Group for the year ended 31 December 2025. • 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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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 theNational 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. CONTACT Investor Relations and ESG Reporting Bureau 2 Kasprzaka Street, 01-211 Warsaw relacjeinwestorskie@bnpparibas.pl www.bnpparibas.pl/en/investor-relations