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BNP PARIBAS 12 AUGUST 2026 焼き 居酒屋 直接 お 好み お 酒店 焼き鳥 カラオケ お 好み 焼 PRESENTATION OF H1 2026 RESULTS BNP PARIBAS BANK POLSKA SA GROUP 91
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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 11/08/26 3
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4K E Y H I G H L I G H T S Key results of the BNP Paribas Bank Polska Group in Q2 2026 Successful strategy execution. Business growth in both segments. Improvement of quarterly results 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 NIM gross loans C/I w/o BGF ROTEPLN 97.4 bn +2% q/q +9% y/y 3.3 % ~0 bps q/q PLN 2.0 bn PLN 600 m +60% q/q -18% y/y • Growth of all NBI key categories including NII. Discipline in maintaining deposit margin • Normalized cost base under control (lack of one-off regulatory burdens in Q2) • Stable, low level of credit risk and CHF loan portfolio legal risk • Retail Customers – increase in sales of key retail products; growth in the loan portfolio and the number of Customers • Institutional Customers - further increase in loans, rebound of deposits after a seasonal decline in Q1 • Growth in sales of accounts and acquisition of Retail Customers • Development of partnerships affecting the growth of acquisition and consumer loans’ sales • Growth in volumes and acquisitions in Corporate and SME banking 13.4 % +3 pp q/q -9 pp y/y 41.3 % ~0 pp q/q -26 bps y/y net profit NBI -3% y/y +4 pp y/y +3% q/q
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5K E Y H I G H L I G H T S Accelerate 2030 strategy Strategy operationalization in H1 2026 6M 2026 2030 Retail Clients net growth +122 thous. +1 m Corporate loans market share 8.3% 10% New sustainable loan production PLN 4.3 bn PLN 25 bn Business ambitions Retail and Business Banking Corporate Banking1 Continued cooperation with retail sales market leaders (Media Expert and RTV Euro AGD) and building new partnerships with global companies (Samsung) resulting in record sales of instalment loans Implementation on a full scale of a new conversion model of Customers with an instalment loan to a relationship based on a current account – over 13% of the entire current account sales in Q2 In H1 2026 high sales of cash loans and financing in the mobility area – an increase of 10% and 18% y/y, respectively Implementation of Genesys Cloud, a platform for managing relationships with the Customer in the Contact Centre, providing greater flexibility, scalability and reliability of relationship management and laying the foundation for the further development of multi-channel and AI-based solutions Corporate Banking: continuation of business development - an increase in the loan portfolio by 2% in Q2 CIB: further strengthening of the leading position on the market, increase in loan portfolio by 21% in Q2, alongside significant quarterly improvement in net fee income SME: rebuilding our position in loans (1% loan portfolio increase in Q2), among others, due to higher acquisition of new Customers (10% y/y increase, with 64% higher new loan volumes for prospects) Very good current accounts sales results in Customer Centres due to the implementation of the "Traveler" offer and the progressive deposit "Dynamic Profit” – the first elements of the new value proposition being prepared for key Customer segments, including GenZ 1. Corporate Banking & CIB & SME
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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 GOMOBILE PAYMENTS No. of transactions Customer business activity – sales & transactional volumes Corporate & SME Banking PAYMENT VOLUME CUSTOMERS SME CORP. SME CORP. q/q y/y * Investment funds, structured certificates and investment deposits 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 +10% +5% -11% -3% +3% +6% +163% +139% +14% +29% +1% 0% +8% +11% Record-high sales levels of loans to Retail Customers. Growth in sales of personal accounts and Client transactionality. Increase in acquisition and transactionality of Customers in the SME and Corporate Banking We support our Customers in business development We actively participate in key market transactions MORTGAGE LOANS CONSUMER LOANS
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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 89,280 91,442 93,560 95,271 97,372 5.6% 5.6% 5.6% 5.8% 5.7% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 +2.8% q/q +1.9% q/q -2.4% q/q +1.9% q/q 2,874 2,762 2,694 2,748 2,816 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 +2.7% q/q +0.8% q/q +2.2% q/q +9.1% y/y Market share +2.5% q/q -2.0% y/y Balanced growth of the loan portfolio between both Customer segments. Stable level of total deposits. Increase in acquisition and number of Customers decrease in Individual Customer deposits, related to optimization of deposit cost increase in Institutional Customer deposits (all subsegments) after a seasonal outflow at the end of Q1 increase in the number of Institutional Customers (in all Micro, Corpo and SME subsegments) visible growth in Individual Customer loan portfolio due to record sales of mortgage and consumer loans continued growth in Institutional Customer loan volumes mainly in the area of Corporate Customers and CIB portfolio further increase in the total number of Individual Customers (in all Mass, Affluent and Private Banking subsegments) * Customer deposits in this presentation are defined as amounts due to customers reduced by repo transactions with customers and loans & advances received from non-bank financial institutions 5.2% 5.2% 5.6% 5.3% 5.0% 128,812 128,052 140,888 136,579 136,557 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 -0.0% q/q +6.0% y/y
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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] 18 (97) (69) (62) (81) (249) (65) (119) (108) (41) 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Cost of risk CHF portfolio legal risk impact -61.7% q/q -83.4% y/y +28.8% q/q -541.4% y/y Cost of risk and impact of CHF portfolio legal risk [PLN million] 981 897 923 632 979 734 696 887 375 600 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Profit before tax Net profit +59.8% q/q -18.3% y/y Growth in all key NBI categories, operating expenses under control. Slight increase in cost of risk due to geopolitical situation. Lower impact of CHF legal risk +3.1% q/q -3.3% y/y +3.1% q/q -3.3% y/y +6.7% y/y +0.9% q/q 2,094 1,955 2,018 1,964 2,025 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 (776) (790) (796) (821) (828) (10) (10) (10) (239) 0 (786) (800) (806) (1,060) (828) 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 BGF -21.8% q/q +5.3% y/y w/o BGF impact BGF * * * Financial results BGF BGF * * • Visible increase in quarterly net banking income due to improved net interest income and net fee and commission income, and a slightly better net trading income (valuation of financial instruments). • Decrease in administrative costs and depreciation due to the lack of one-off BGF and KNF costs. Similar quarterly level in normalized terms. • Low level of cost of risk despite the increase in uncertainty resulting from geopolitical tensions. • Negative impact of a higher income tax rate on the level of net profit in y/y terms. +54.9% q/q -0.2% y/y Net profit / Profit before tax [PLN million]
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9K E Y H I G H L I G H T S Cost / Income [%] Key financial ratios w/o BGF costs Cost of credit risk [%] Net interest margin on assets [%] (0.02%) (0.16%) (0.19%) (0.27%) (0.30%) 6M 25 9M 25 12M 25 3M 26 6M 26 41.8% 41.6% 41.2% 54.0% 47.3% 37.7% 38.5% 38.8% 41.8% 41.3% 6M 25 9M 25 12M 25 3M 26 6M 26 Improvement of ROTE and C/I ratios due to higher core revenues and cost control. Stabilization of net interest margin. Low cost of credit risk 3.54% 3.43% 3.33% 3.28% 3.28% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 18.8% 18.1% 18.7% 8.6% 11.2% 22.8% 21.8% 22.6% 10.5% 13.4% 6M 25 9M 25 12M 25 3M 26 6M 26 ROE ROTE Financial ratios • Improvement of the quarterly C/I ratio due to the lack of one-off cost of BGF contribution and increase in net banking income. • Stabilization of net interest margin due to further optimization of deposit margins. • Slight increase in cost of risk resulting from a cautious approach to geopolitical risk. ROE and ROTE [%]
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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 Economic growth is gaining momentum; inflation risk on the rise again Macroenvironment Source: Statistics Poland (GUS), Eurostat, NBP, PFSA, Macrobond, BNP Paribas Monthly data from industry, construction and trade indicate a likely acceleration of the economic growth rate in the second quarter of this year from 3.5% to about 4%. GDP is increasingly driven by investment, both public and private. The growing inflow of EU funds remains a key source of financing capital expenditures, and it is also largely responsible (especially the funds from SAFE) for the spectacular increase in orders in the Polish industry, which execution should support economic sentiment in the coming quarters. The energy market shock caused by the Gulf conflict poses a risk to inflation, although in the second quarter alone, price pressures were strongly curbed by fuel tax cuts and still cheapening food. And, while domestic factors do not indicate an acceleration in inflation, rising commodity prices suggest a resurgence of CPI prints to 3-3.5% in the second half of this year. Source: Statistics Poland (GUS), Eurostat, Macrobond, BNP Paribas The economy has been speeding up in the spring, and the growth outlook remains firm Inflation back to the target in June, but risk for higher CPI prints is rising -10 -8 -5 -3 0 3 5 8 10 Jun.23 Dec.23 Jun.24 Dec.24 Jun.25 Dec.25 Jun.26 Industrial production (% y/y) Construction output (% y/y) Retail sales (% y/y) GDP (% y/y) -9 -6 -4 -1 2 4 7 9 12 14 -30 -15 0 15 30 45 60 75 Mar.06 Jun.08 Sep.10 Dec.12 Mar.15 Jun.17 Sep.19 Dec.21 Mar.24 Jun.26 New industrial orders (% y/y, 3mma) GDP (% y/y, right axis) 0 3 5 8 10 13 15 18 20 Jul.19 Apr.20 Jan.21 Oct.21 Jul.22 Apr.23 Jan.24 Oct.24 Jul.25 Apr.26 Contribution of main components to annual CPI inflation (pp) Core inflation Food and soft drinks Fuels & Energy 0 3 5 8 10 13 15 18 20 -40 -20 0 20 40 60 80 Jan.15 Jun.16 Nov.17 Apr.19 Sep.20 Feb.22 Jul.23 Dec.24 May.26 Bloomberg CBOT: Global commodity prices (% y/y, PLN terms) Corporate wages in Poland (% y/y, right axis)
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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 in ”wait-and-see” mode; credit demand remains strong Dovish signals from the MPC may weaken the zloty Banking sector: a strong economic backdrop and lower interest rates are boosting credit demand -1 2 5 8 11 14 17 20 Jun.20 Jan.21 Aug.21 Mar.22 Oct.22 May.23 Dec.23 Jul.24 Feb.25 Sep.25 Apr.26 NBP main policy rate (%) CPI inflation (% y/y) NBP target 4.00 4.15 4.30 4.45 4.60 4.75 4.90-13 -10 -8 -5 -3 0 3 5 Jan.12 Jun.13 Nov.14 Apr.16 Sep.17 Feb.19 Jul.20 Dec.21 May.23 Oct.24 Mar.26 Real NBP policy rate (%, inverted) EURPLN (right axis) -5 -3 0 3 5 8 10 13 15 18 60 65 70 75 80 85 90 95 100 105 Jun.18 Jun.19 Jun.20 Jun.21 Jun.22 Jun.23 Jun.24 Jun.25 Jun.26 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 Nov.18 Sep.19 Jul.20 May.21 Mar.22 Jan.23 Nov.23 Sep.24 Jul.25 May.26 Corporate loans (% y/y) PLN-denominated housing loans (% y/y) Consumer loans (% y/y) Macroenvironment Source: Statistics Poland (GUS), Eurostat, NBP, PFSA, Macrobond, BNP Paribas After a series of interest rate cuts, the MPC went into a ”wait-and-see” mode in the second quarter of 2026. A strong domestic economy and the risk of a renewed rise in inflation (due to again rising oil prices and the end of the ”CPN” government’s programme - tax cuts on fuels) speak in favour of a cautious approach to further monetary policy easing. Nevertheless, after the July meeting of the MPC, NBP Governor Adam Glapiński suggested the possibility of lowering interest rates as early as September this year. Solid demand for credit in the main market segments reflects accelerating economic growth and lower interest rates. The volume of consumer and housing loans as well as corporate credit increased by almost 10% y/y in June 2026. At the same time, deposits are still growing faster than loans to the non-financial sector.
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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 – Q2 2026 Financial results Volumes Indicators Total Capital Ratio 18.02% Tier 1 14.72% ROTE 13.4% BVPS (PLN) 115.4 Net loans/deposits 70% LCR 238% NIM (net assets, quarterly) 3.28% Consistently increasing the scale of lending activity. Strengthening of own funds. Improvement in core revenues and net profit in Q2 2026. The impact of higher tax on the level of net profit in 2026 PLN million 2Q 2026 1Q 2026 2Q 2025 change q/q change y/y Net interest income 1,465 1,446 1,473 1.3% -0.6% Net fees and commissions income 353 315 328 12.2% 7.6% Other income&costs 208 204 293 2.0% -29.1% Net banking income 2,025 1,964 2,094 3.1% -3.3% Total expenses -828 -1,060 -786 -21.8% 5.3% Total expenses w/o BGF fee -828 -821 -776 0.9% 6.7% Net allowances on expected credit losses -81 -62 18 28.8% - Impact of FX mortgage portfolio legal risk -41 -108 -249 -61.7% -83.4% Gross profit 979 632 981 54.9% -0.2% Income tax 380 257 247 47.8% 53.4% Net profit 600 375 734 59.8% -18.3% PLN billion 30.06.2026 change q/q change y/y Assets 181 2.0% 7.3% Loans (gross) 97 2.2% 9.1% Securities 64 2.4% 10.4% Customer deposits 137 0.0% 6.0% Investment products 28 6.0% 27.8% Equity 17 -4.5% 7.8%
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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 32,830 33,831 34,428 34,477 35,427 56,450 57,611 59,131 60,794 61,945 89,280 91,442 93,560 95,271 97,372 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Institutional Customer loans Individual Customer loans +2.8% q/q +1.9% q/q +2.2% q/q +9.1% y/y +9.7% y/y +7.9% y/y 5.6% 5.6% 5.6% 5.8% 5.7% 4.7% 4.7% 4.7% 4.6% 4.6% 6.4% 6.5% 6.5% 6.9% 6.7% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Total Customer loans Individual Customer loans Institutional Customer loans 54.6% 54.8% 55.1% 56.0% 55.9% 8.6% 8.2% 8.1% 7.9% 7.7% 22.0% 22.3% 22.5% 22.0% 22.1% 0.4% 0.4% 0.3% 0.3% 0.2% 14.4% 14.3% 14.0% 13.9% 14.1% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Institutional Customers w/o farmers Farmers PLN mortgages FX mortgages Individual Customers other loans 52% Significant increase in Retail Customer loans due to record-high sales of mortgage and consumer loans. Continued growth of Institutional Customer loans * 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 consumer loans (+3.4% q/q, +7.1% y/y) • increase in the value of mortgage loans (+2.4% q/q, +8.5% y/y) Institutional Customers’ portfolio • increase in the enterprise loan portfolio (+2.1% q/q, +13.2% y/y), mainly investment loans • quarterly increase in the portfolio of individual farmers (+0.2% q/q, -2.6% y/y) • decrease in the leasing portfolio (-0.4% q/q, -2.6% y/y) Value of sustainable financing as at 30.06.2026: PLN 15.2 billion (+4.0% q/q, +39.4% 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 Total legal risk impact at the end of the period 331 311 254 228 193 1,376 1,267 1,139 1,067 953 0.4% 0.3% 0.3% 0.2% 0.2% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 6,348 6,518 6,724 6,885 7,052 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 249 65 119 108 41 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3,364 3,287 3,127 3,052 2,914 423 335 281 282 227 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Value of claims [PLN million] Number of new claims 197.1% 208.2% 224.3% 235.6% 254.4% 3,089 2,974 2,824 2,807 2,627 73 68 56 49 41 Decrease in the number of new claims. Lower quarterly level of legal risk supported by a one-off adjustment of model parameters IFRS 9 adjustment foreign currency 71.6% 2.3 k Portfolio structure (value) & number of active loans denominated 28.4% 1.9 k In Q2 2026: 227 new lawsuits (in Q1 2026: 282). Out of 6,050 validly concluded proceedings: • 4,453 cases ended unfavourably, • 1,020 ended with court settlements, • 374 were discontinued due to a settlement, • 98 were discontinued due to a clearing, • 51 ended favourably for the Bank, • 54 were discontinued due to the withdrawal of the lawsuit by the Client. Results of individual negotiations of settlements with Customers as at 30.06.2026: • 14,727 individual settlement offers presented to Customers, • 7,490 negotiation proposals accepted by Customers, • 7,052 settlements concluded. • Lower impact of CHF risk for Q2 due to a one-off adjustment of model parameters. • Balance sheet provision for conversions related to CHF legal risk as at 30.06.2026: PLN 122 million. • In Q2 2026, the Bank used PLN 33 million for conversions and PLN 177 million for the final judgments. CHF portfolio legal risk impact [PLN million] -46% y/y 712 in 2Q 24
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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 247.2 237.1 292.8 246.1 237.8 5.2% 5.2% 5.6% 5.3% 5.0% 4.3% 4.3% 4.4% 4.3% 4.1% 6.3% 6.3% 7.0% 6.5% 6.2% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Total Customer deposits Individual Customer deposits Institutional Customer deposits 76% -0.0% q/q +6.0% y/y +1.9% q/q -2.4% q/q +3.4% y/y +8.0% y/y Stabilization of total deposits. Increase in institutional Customer deposits after a seasonal outflow at the end Q1. Optimization of deposit margins in the Retail segment – a decrease in deposits with a alongside the structure improvement Changes in the volume and structure of deposits Market shares [%] Customer deposits [PLN million] • Increase in deposits from Institutional Customers in deposits from enterprises +1.6% q/q (+6.3% y/y) and from the public sector +11.9% q/q (+46.1% y/y). Quarterly decrease in deposits from farmers:-4.9% q/q (+2.9% y/y). • Decrease in deposits from Individual Customers related to optimization of deposit margins. • Increase in the share of current accounts in total deposits to 69.0% at the end of Q2 2026 (+2.8 pp q/q, +5.1 pp y/y). 56,268 56,538 59,183 59,656 58,208 72,544 71,514 81,705 76,923 78,349 128,812 128,052 140,888 136,579 136,557 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Individual Customer deposits Institutional Customer deposits 63.9% 64.2% 66.9% 66.2% 69.0% 34.9% 34.7% 32.2% 32.8% 30.0% 1.1% 1.0% 1.0% 1.0% 1.0% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Current accounts Term deposits Other liabilities
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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 funds [%] Investment products * Discretionary Portfolio Management 6,666 6,514 6,939 7,602 7,775 2 2 1 8,905 9,644 10,318 10,588 11,267 2,086 1,990 2,057 2,055 2,1673,661 4,246 4,602 5,111 5,519 659 742 854 1,136 1,352 21,980 23,138 24,771 26,492 28,081 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 DPM* Other funds Structured products BNP Paribas Group Funds Unit-linked Insurances Instruments on brokerage accounts 50.3% 57.2% 55.3% 48.2% 47.7% 5.2% 5.1% 5.0% 5.4% 6.2% 36.5% 30.0% 31.9% 38.6% 37.8% 2.4% 2.2% 2.2% 2.1% 2.1% 5.6% 5.5% 5.6% 5.7% 6.1% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Short-terms debt securities funds Equity funds Debt funds Mixed funds Defined date funds (Employee Capital Plan) +6.0% q/q +27.8% y/y Increase in the value of investment funds , Customers’ assets on brokerage accounts and DPM Further growth in the value of investment products, primarily investment fund assets • Significant increase in the value of funds invested in the investment funds of the BNP Paribas Group (+6.4% q/q, +26.5% y/y) and in other funds (+8.0% q/q, +50.7% y/y). • Increase in the value of Customers’ assets on brokerage accounts (+2.3% q/q, +16.6% y/y). • Increase in the value of the DPM portfolio (+19.0% q/q, +104.9% 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 3.28%3.28%3.33%3.43%3.54% 2Q 261Q 264Q 253Q 252Q 25 4,5435,006 (1,632)(2,038) 6M 266M 25 (798)(834)(949)(994)(1,018) 2,2632,2802,4172,4502,492 2Q 261Q 264Q 253Q 252Q 25 Interest expense Interest income 72% -1.9% y/y -0.6% y/y +1.3% q/q +1.3% q/q Increase in net interest income and stabilization of NIM due to optimization of cost of financing and growth of loan portfolio 2,9102,968 6M 266M 25 1,4651,4461,4681,4571,473 2Q 261Q 264Q 253Q 252Q 25 * Changes in net interest income • Y/Y decrease in net interest income related to the negative impact of the interest rates cuts. The decline in interest income on loans was partially offset by the optimization of Customer deposit costs, an increase in the result from placing liquidity surpluses and an improvement in the result from hedge accounting. • Q/Q higher net interest income due to a decrease in Customer deposit costs, an increase in loan portfolio and an improvement in the result from hedge accounting. Decline in interest income on loans related to, among others, the impact of the 25-bps reduction in NBP rates in March 2026 and the adjustment of interest on part of retail loans resulting from the judgment of the CJEU (financing of non-interest costs). Positive impact of a higher number of interest days in Q2 2026 and an increase in EUR rates.
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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 6 (5)7(5)(4) 10081878296 7981787677 82 73676981 35 343627 40 50 514139 38 353 315317 289 328 2Q 261Q 264Q 253Q 252Q 25 Other fees Loans and leasing Accounts and settlement operations Cards Insurance Asset management and brokerage operations 2(8) 181177 160156 155180 6976 10175 668656 6M 266M 25 416378382357390 (63)(64)(65)(68)(62) 2Q 261Q 264Q 253Q 252Q 25 Fee and commission income Fee and commission expenses 795781 (127)(126) 6M 266M 25 17% +1.8% y/y +12.2% q/q+7.6% y/y Changes in net fee and commission income • Higher y/y net fee and commission income mainly due to an increase in fees for: asset management and brokerage operations, M&A consulting in other fees, loans as well as accounts and settlements (payments and e-banking). • Higher quarterly net fee and commission income due to the increase in loan fees, M&A consulting and in the area of cards and insurance. Very good result above the normalized quarterly level. Positive impact of large transactions in the CIB area and the increase in transactionality in the Retail Banking
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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 354 437 6M 266M 25 177176176166 235 2Q 261Q 264Q 253Q 252Q 25 10% -31.0% y/y -33.8% y/y +2.6% q/q -19.0% y/y -24.6% y/y +0.6% q/q Slightly higher net trading income on a quarterly basis, among others, due to the valuation of financial instruments in the ALMT area, while delivering stable results on FX transactions with Customers Net trading income • Lower net trading income y/y mainly due to the lack of comparable large IRS transactions with Customers in 2026 vs H1 2025.. • Slightly higher quarterly net trading income due to higher results in the ALMT area. Stabilization of margin on transactions with Customers. 416 603 6M 266M 25 share in NBI 211205 248226 318 2Q 261Q 264Q 253Q 252Q 25
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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 (414)(409)(395)(411)(407) (285)(284)(259)(248)(241) (129)(128)(142)(131)(128) (239) (10)(10)(10) (828) (1,060) (806)(800)(786) 2Q 261Q 264Q 253Q 252Q 25 Personnel expenses Other administrative costs Depreciation & amortization Bank Guarantee Fund (823)(809) (569)(522) (257)(256) (239) (176) (1,888)(1,763) 6M 266M 25 47.3%54.0% 41.2%41.6%41.8% 41.3%41.8%38.8%38.5%37.7% 6M 263M 2612M 259M 256M 25 7,1517,1767,232 7,3357,357 6M 263M 2612M 259M 256M 25 +7.1% y/y +4.0% y/y +5.3% y/y +6.7% y/y -21.8% q/q +0.9% q/q + 5.5 pp y/y + 3.7 pp y/y -2.8% y/y ** * Stable normalized cost base on a quarterly basis. Decline resulting from the lack of one-off regulatory costs * w/o BGF costs Changes in operating expenses • Growth in costs H1 2026 vs H1 2025 mainly due to the increase in BGF fees (change in the fee structure in 2026: no quarterly contribution to the guarantee fund, with an increase in the one-off contribution to the resolution fund). Excluding BGF fees, the increase is slightly above inflation due to higher consulting and IT costs. • Decrease in quarterly costs due to lack of one-off annual BGF and PFSA costs. Slight increase in other cost categories (on average 1% q/q). Employment in the Group [active FTEs, end of period] w/o BGF costs
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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] 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Quartely cost of risk* +8 (43) (30) (27) (34) 21 (85) (65) (37) (63) (2) (12) (3) (25) (17) 18 (97) (69) (62) (81) 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Institutional Customer loans Individual Customer loans (100) (20) (43) (9) (143) 6M 25 6M 26 +28.8% q/q-541.4% y/y Cost of risk confirming high quality and resilience of the loan portfolio * 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 Q2 2026 amounted to PLN -81 million, translating into cost of risk at the level of 34 bps The impact on the cost of risk in Q2 2026 results from the stable quality of the loan portfolio. Additionally, the result was affected by, among others: • update of expectations regarding the future macroeconomic situation resulting in the creation of PLN 26 million provisions, of which PLN 21 million for Institutional Customer loans, • an increase of PLN 20 million in the provision for the future, potential risk materialization (in the form of PMA) for the portfolio of fragile Institutional Customers to the effects of the situation in the Middle East, • PLN 17 million of provisions created as a result of changes in models and parameters, of which the largest impact was the introduction of a new credit rating model for part of Institutional Customers, • positive result from the NPL portfolio sale in the amount of PLN 12 million, including PLN 10 million from Individual Customer loans In H1 2026 the net allowances on expected credit losses was PLN -143 million. The y/y difference did not result from a change in the quality level of the portfolio. The most important factors are: • the creation of provisions for future, potential risk materialization in the form of PMA in a total amount of PLN 67 million in 2026, • changes in the models for estimating expected credit losses introduced in Q2 2025, which had a positive impact on the result of that period. +1488.3% 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] 2.1% 2.1% 1.9% 2.0% 1.8% 1.4% 1.3% 1.2% 1.2% 1.1% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Loans to individual Customers Mortgage loans 3.2% 3.0% 2.8% 2.7% 2.6% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3.6%3.6%3.7% 4.4%4.4% 3.1%3.1% 3.3% 3.7% 3.9% 3.1%3.1%3.3% 3.6% 3.8% 2.6%2.7% 3.3% 2.4% 2.7% 2Q 261Q 264Q 253Q 252Q 25 Farmers Institutional Customer loans total Institutional Customer loans excl. Farmers Leasing 1,4721,4441,4701,5841,627 258258268316322 233260256277277 405431400448415 165169207152172 2,5332,5622,6022,7772,814 2Q 261Q 264Q 253Q 252Q 25 Leasing Other retail loans Retail mortgages Loans to Farmers Insitutional Customer loans excl. Farmers -1.1% q/q-10.0% y/y Gradual decline in 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 2.7% at the end of Q2 2026. Stable NPL level due to a very good loan portfolio quality. Low NPL level – reduction of the balance mainly due to the sale of part of the NPL portfolio.
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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 86.4% 86.8% 88.0% 87.9% 87.4% 10.5% 10.1% 9.2% 9.4% 10.0% 3.2% 3.0% 2.8% 2.7% 2.6% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Stage 1 Stage 2 & POCI performing Stage 3 & POCI non-performing 5.3% 5.3% 6.7% 6.7% 6.2% 1.0% 1.0% 1.0% 1.0% 1.0% 0.4% 0.5% 0.4% 0.4% 0.5% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Coverage Stage 2 & POCI performing Coverage Stage 1 & 2 & POCI performing Coverage Stage 1 12.7% 12.6% 11.5% 11.9% 12.9% 10.5% 10.1% 9.2% 9.4% 10.0% 6.6% 5.9% 5.3% 5.1% 5.0% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Loans to institutional Customers Total gross loans Loans to individual Customers 67.5% 67.8% 68.5% 69.0% 67.7% 52.0% 54.6% 54.1% 56.1% 55.3% 46.9% 49.9% 49.2% 51.4% 51.1% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 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. Increase in NPL coverage for Individual Customer loans mainly due to the sale of part of the NPL portfolio. Increase in Stage 2 share mainly due to update of expectations regarding future macroeconomic situation.
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26F I N A N C I A L R E S U L T S Capital adequacy Improvement of the capital position supporting further growth of the lending activity. Capital ratios significantly above regulatory requirements. TCR Total risk exposure amount (PLN billion) x Tier 1 x Total risk exposure amount (PLN billion) 17.1 17.4 17.5 17.3 19.0 17.44% 17.51% 16.86% 16.79% 18.02% 11.00% 12.00% 11.75% 11.75% 11.75% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Total own funds TCR (reported) TCR (regulatory requirement) 98.1 99.6 103.7 102.9 105.2 14.1 14.1 14.1 13.8 15.5 14.34% 14.15% 13.60% 13.42% 14.72% 9.00% 10.00% 9.75% 9.75% 9.75% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Tier 1 capital Tier 1 (reported) Tier 1 (regulatory requirement) 98.1 99.6 103.7 102.9 105.2 +58 bps y/y +38 bps y/y TCR and Tier 1 above the minimum regulatory requirement as at the end of Q2 2026: +6.3 pp and +5.0 pp, respectively By Resolution no 7 of the Bank’s Ordinary General Meeting of 14 April 2026, the Bank allocated ~50% of the net profit for 2025 in the amount of PLN 1,503.1 million to increase its own funds (reserve capital) in Q2 Pursuant to the Resolution of the Ordinary General Meeting of 14 April 2026, in Q2 2026, the Group’s own funds increased by approx. PLN 1.5 bn as a result of the 2025 net profit distribution. Increase in exposure due to credit risk related to, among others, the growth of the loan portfolio. Additional regulatory capital requirements for the Bank at the end of Q2 2026: • 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 Q2 2026 stood at 22.87%, above the minimum MREL requirement of 19.49% (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 Operationalization and implementation of the defined strategic priorities of the Bank while addressing sector-wide challenges. Robust economic outlook despite potential impact of geopolitical risk 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 geopolitical situation resulting in the persistence of high volatility on global markets. Growing defense expenditures • Expected GDP growth by 3.5% in 2026 driven by absorption of EU funds, investment activity in the economy and sustained households' demand • Inflation remains in deviation target tolerance. Potential secondary fluctuations in commodity prices • Sustained high liquidity on the market affecting, among others, the increase in prices competition • Demographic changes and fintechs expansion • Legal and regulatory risks, covering among others Client-centric regulations A C C E L E R A T E 2 0 3 0 • Acquisition and Clients base expansion in the most important segments defined in the strategy • Increase in market shares of key products • Delivery of planned technological changes and processes optimization
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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 2.8 millionRetail and Business Banking Acquisition of Individual Customers Sales of personal accounts thous. Sales of cash loans Sales of investment products** PLN m PLN m Retail & Business Customers* 114 173 191 2Q 25 1Q 26 2Q 26 56.7 54.0 59.3 24% 22% 14% 2Q 25 1Q 26 2Q 26 share of digital sales (E2E) 1,196 1,126 1,268 17% 13% 14% 2Q 25 1Q 26 2Q 26 share of digital sales (E2E) 3,062 3,350 2,974 71% 72% 68% 2Q 25 1Q 26 2Q 26 share of digital sales E2E (pcs.) +10% q/q+68% y/y +10% q/q+5% y/y +6% y/y +13% q/q -11% q/q-3% y/y -59 thous. +67 thous. -2.1% y/y +2.5% q/q Sales growth for the majority of products. Ongoing development of the electronic banking functionalities thous. Business development * 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 • Dynamic Profit – new deposit with progressive interest rate (up to 7.5% in the 12th month of the deposits) supporting the acquisition of new clients and the growth of the deposit base • Boost your business – 3rd edition of a promotion for new micro Clients including free account, cash bonus and cashback for selected transactions • Resumption of granting a mortgage loan with variable interest rate New product offer • Traveller – promotion offer combining - current account - payment card (PLN 0 for usage) and - benefits for travelling Clients and those actively using the account (PLN 0 for withdrawal from ATMs abroad, up to PLN 700 cashback to account) Sales – Q2 value, change q/q || y/y • Investment products**: PLN 3.0 bn, -11% || -3% • Mortgage loan: PLN 1.8 bn, +163% || +139% • Cash loan: PLN 1.3 bn, +13% || +6% • Personal account: 59.3 thous., +10% || +5% • Credit card: 9.4 thous., +18% || -6% • Micro loan (incl. leasing): PLN 0.8 bn, +7%, || +11% • Golden Shield of Security title (for the second year in a row) • 3. place in the Premium Account ranking New features in digital banking • Improvements in the process of opening bank accounts in GOmobile: - process shortened by ~30%, clear presentation of the offer, - introduction of clear real-time guidance on how to complete the video verification process • Dedicated security section – easy way to activate additional security features • Expanded transaction history details in electronic channels – easy and convenient identification of completed transactions by adding the logo and name of the company where the Client made the transaction • Ability to apply for government benefits under the 800+ and 300+ programs in the GOmobile application • 19.5 million BLIK transactions: +7% q/q || +12% y/y • 89.5 million logins to GOmobile: +2% q/q || +1% y/y Digital sales in Q2 2026, share in the total number of products sold: • cash loans: 53% (48% in Q1 2026) • investment products**: 68% (72% in Q1 2026) Digitalization – Q2 2026
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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 Gross profit/loss structure [PLN million] Segment's share in the Group's net banking income 2,022 (1,116) (2) (314) (107) 483 1,939 (1,159) (41) (150) (103) 486 Net banking income Operating costs Cost of risk CHF provisions Banking tax Gross profit/loss 6M 25 6M 26 49% +4% y/y +1795% y/y -52% y/y -4% y/y +1% y/y +6.2% y/y +3.9%y/y -1.7% q/q Slightly higher gross profit due to the lower impact of CHF portfolio legal risk * due to the 2026 re-segmentation, the 2025 data are presented on a comparative basis 11,547 11,780 11,858 12,068 12,504 4,444 4,501 4,797 4,309 4,351 3,795 3,674 3,353 3,849 3,780 19,722 20,481 21,086 20,947 21,473 1,819 1,817 1,898 1,850 1,840 811 801 779 762 78342,137 43,055 43,773 43,785 44,731 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Credit cards Lease receivables Retail estate financing loans Overdraft facilities Investment loans Consumer loans and other loans 33,596 34,075 35,438 36,118 37,596 12,911 13,863 15,615 16,906 17,351 26,801 26,191 27,734 24,594 21,441 949 1,055 866 859 775 74,257 75,185 79,653 78,478 77,164 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 O/N deposits Term deposits Savings accounts Current accounts -4% y/y ( -20% y/y ) Gross profit for 6M 2026 w/o the impact of CHF portfolio legal risk would equal PLN 635 million vs PLN 797 million for 6M 2025 +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 21.7 thous.12.6 thous. SME Customers Corporate CustomersCorporate Banking, SME & Corporate and Institutional Banking (CIB) - 0.3…+ 0.3 thous., + 0.2 thous., +2.3% y/y +1.2% q/q - 0.3 thous., + 0.1 thous., -1.3% y/y Focus on addressing Customers’ needs and service quality Transformation and new offer • Dynamic growth of loans: +13.2% q/q, +2.6% y/y • Increase in income: +3.2% q/q, -7.8% y/y; including CIB: +42.5% q/q, -26.2% y/y, mainly due to interest rates cuts and no one-off transactions in CIB comparable to Q2 2025 • Further development of sustainable financing (Corporate Banking & CIB and SME)*: portfolio value as at 30.06.2026 - PLN 11.0 billion (+4.1% q/q, +26.9% y/y) • Increase in Customer acquisition in H1 2026: Corporate Banking +18% y/y, SME +10% y/y • Increase in transactionality of Customers, both incoming and outgoing • Lease sale (new volume in H1 2026): for Corporate Customers PLN 628 million (+48% y/y), for SME Customers PLN 202 million (+11% y/y) Business development Net fee and commission income increase in income from credit commissions and cash management Revenues +6% y/y +20% q/q -6% y/y 0% q/q Foreign exchange transactions lower revenues y/y due to a decline in transaction margin in 2026 0.4% q/q Net income Expansion of the GOonline Biznes ecosystem: • launch of the Export Letters of Credit module – new interface, intuitive navigation and new functionalities making it easier to use the module • behavioural protection – expansion of the system with behavioural protection mechanisms that additionally increase the security of using the system, thus even better protecting the Bank's Clients' funds What’s new in the offer: • special offer for new SME Customers – company account with a free package of Profit Box services for one year • launch of SEPA_INSTANT incoming transfers * 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. Selected significant transactions carried out in Q2 2026 2Q 25 1Q 26 2Q 26 2Q 25 1Q 26 2Q 26
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33B U S I N E S S A C T I V I T I E S Segments’ share in the Group's net banking income Corporate Banking, SME & CIB Gross profit/loss structure [PLN million] Net loan portfolio* [PLN million] 1,822 (634) (6) (93) 1,090 1,667 (701) (114) (96) 757 Net banking income Operating costs Cost of risk Banking tax Gross profit/loss 6M 25 6M 26 -9% y/y +11% y/y +1950% y/y +3% y/y -31% y/y 25,899 26,434 26,986 27,373 28,110 13,116 13,452 14,603 15,852 16,235 2,224 2,210 2,287 2,273 2,327250 274 258 265 28641,490 42,370 44,134 45,763 46,958 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Factoring & other loans Lease receivables Overdraft facilities Investment loans +13.2% y/y +2.6% q/q 39,063 37,378 46,588 40,658 42,859 55 43 31 31 36 14,382 14,626 14,115 16,804 16,145 770 530 254 344 24054,270 52,577 60,988 57,837 59,281 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 O/N deposits Term deposits Savings accounts Current accounts 42% * due to the 2026 re-segmentation, the 2025 data are presented on a comparative basis Lower gross profit mainly due to a decline in net trading income in the CIB area, pressure on interest margins and higher cost of risk Deposit portfolio* [PLN million] +9.2% y/y +2.5% q/q Total
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34B U S I N E S S A C T I V I T I E S Sustainability and Agribusiness Area 74.2… thous.74.2 thous. Food & Agri Customers Energy transition & decarbonization, sustainable agri-food sector Sustainable financing Sales and customer relations activitiesBusiness development Food & Agri volumes LOANS DEPOSITS Corporate 32% SME 25% Retail 43% Corporate 36% SME 32% Retail 32% 30.06.2026 PLN 11.2 bn -8.2% vs.2025 • Preferential loan from the EIB for Silesia, with up to 30% debt relief - first transactions dedicated to financing investments related to thermal modernization • Decarbonization Loan – implementation of a new product targeted at enterprises related to carbon footprint reduction, and carrying out the first transactions during the pilot phase • Transactions related to sustainable development: - for a company in the pharmaceutical sector (the first in Poland), taking into account the borrower's environmental and social objectives - for a company in the food sector, incorporating the implementation of regenerative farming practices in the supply chain PLN 13.3 bn -4.1% vs. 2025 • Partnership with Klim GmbH – 11 new projects (the program assists companies in identifying, enhancing, and leveraging the economic potential of Regenerative Agriculture) • Engagement in the ESG Round Table initiative for sustainable animal production • Meetings with entrepreneurs (within the Fund for Silesia 2021–2027) and with residential communities (in cooperation with the Polish Institute for Market Development) • ESG Leaders Insights - series of expert interviews and podcasts dedicated to sustainable development and the role of ESG in modern business Awards & distinctions ESG Sustainalytics Agency Rating • low risk at the level of 11.5 • the best result among banks in Poland Legal disclaimer: https://www.sustainalytics.com/legal-disclaimers PLN 4.3 billion new sales of sustainability loans in H1 2026 [gross] Retail 28% Corporate & CIB 70% SME 2% PLN 15.2 bn +12.0% vs. 2025 30.06.2026 • ESG Ranking – Responsible Management • 3rd place in the overall classification • 2nd place in the category “Banking, Financial Sector and Insurance” • Sustainability Excellence 2026 • ESG Star in the “Stars of Banking” ranking (2nd place)
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35B U S I N E S S A C T I V I T I E S Bank subsidiaries Lease assets [PLN million] 6,885 6,812 6,755 6,757 6,750 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 +6.4% q/q +26.5% y/y -0.1% q/q -2.0% y/y Increase of investments in equity funds in Q2 2026. Lease assets barely unchanged BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A. BNPP Leasing Services Sp. z o.o., in cooperation with the Bank, offers a full range of lease products to Personal Finance, Micro, SME and Corporate Customers. • 9.6 thous. contracts concluded for a total value of PLN 1.7 billion in H1 2026 (+5% y/y). • PLN 6.8 billion - portfolio of financed assets at the end of June 2026. • Sales growth in the Corporate Clients and SME segment vs H1 2025. • Focus on further improving the efficiency of the portfolio servicing process. BNP Paribas Leasing Services Sp. z o.o. 8,905 9,643 10,318 10,588 11,267 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Short-term debt securities funds Debt funds Mixed funds Equity funds Defined date funds (Employee Capital Plan) Assets under management of BNPP TFI [PLN million] • The value of assets under management (AuM) at the end of Q2 2026 amounted to PLN 11.3 billion (+26.5% y/y, +6.4% q/q). An increase in AuM by PLN 2.4 billion y/y (+0.7 billion in Q2). AuM in equity funds increased significantly to PLN 704 million (+51.5% y/y, +24.2% q/q). Inflows were led by a mix of debt products such as short term and convertible bonds. • In Q2 2026, the Subfund BNPP Ultra Short Treasury Bond and BNP Paribas Global Convertible Bond had the highest net sales by PLN +290 million and PLN +144 million, respectively.
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0606 Appendices Shares of BNP Paribas Bank Polska S.A. #GOdigital – statistics Material events 2024-2026 Loan portfolio Deposit base structure Liquidity Net banking income Profit and Loss Account Assets, Liabilities and Equity
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37A P P E N D I C E S Fitch rating (update on 13 May 2026) 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. Book value per share (BVPS) [PLN, at the end of the quarter] 24.0% 51.0% 25.0% 115.4 120.9119.0 112.3 107.0109.5 104.2 96.8 92.1 75.876.277.0 82.6 2Q 261Q 264Q 253Q 252Q 251Q 254Q 243Q 242Q 241Q 244Q 233Q 232Q 23 Dividend payout from the 2025 net profit (~50%, DPS: PLN 10.20) in May. Increase of the stock liquidity resulting from the sale of the remaining part of the Bank's shares by EBRD 31 July 2026 free-float: PLN 5.7 bn P/BV: 1.3 capitalization: PLN 22.9 bn Shareholder structure 30.06.2026 April 2026 - increase in the Bank's share capital from PLN 147,880,491 to PLN 147,949,302 as a result of the taking up of 7,556 M series shares and 61,255 N series shares in the exercise of rights attached to the A6 and B3 series registered subscription warrants, taken up previously. BNP Paribas BNP Paribas Fortis Others 147,949,302 Free float 25.0% Change in share price [31.07.2025=100%] ISIN code: PLBGZ0000010 GPW ticker: BNP Index: mWIG40, mWIG40TR -20% 0% 20% 40% 60% 31.07.25 31.08.25 30.09.25 31.10.25 30.11.25 31.12.25 31.01.26 28.02.26 31.03.26 30.04.26 31.05.26 30.06.26 31.07.26 25,409.3 pts 42.0% y/y +49.8% y/y 155.0 PLN 31 July 2026
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38A P P E N D I C E S #GOdigital – statistics Continuation of the trend of increasing the number of e-banking and mobile banking users #GOdigital GOdealer application GOmakler application GOinvest service BLIK transactions quarterly [thous.] Customers using digital channels [thous.] Number of tokens in digital wallets [thous.] GOmobile users [thous.] 1,674 1,674 1,704 1,724 1,750 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 1,289 1,306 1,341 1,373 1,414 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 651 674 656 675 698 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 17,452 17,512 19,027 18,277 19,514 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 +1% q/q +5% y/y +10% y/y +3% q/q +7% y/y +7% q/q +12% y/y +3% q/q
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39A P P E N D I C E S in individual reporting periods Material events • 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) • 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 2026 2025 2024 • 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 • PLN -108.2 m - CHF mortgage loan portfolio legal risk impact • PLN -238.9 m - BGF restructuring fund contribution recognized in the Q1 operating costs 1st quarter 2nd quarter 3rd quarter 4th quarter • PLN -41.4 m - CHF mortgage loan portfolio legal risk impact • PLN -42.8 m - impact of the CJEU judgment of 23.04.2026 (financing of non-interest costs)
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40A P P E N D I C E S Institutional Customer loans** [PLN million]Individual Customer loans [PLN million] Loan portfolio 19,650 20,416 21,062 20,942 21,482 350 331 273 246 2104,123 4,270 4,488 4,710 5,087 8,707 8,815 8,605 8,578 8,649 32,830 33,831 34,428 34,477 35,427 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Cash loans Other loans to individual customers* FX mortgage PLN mortgage 42,282 43,654 45,041 46,867 47,853 7,693 7,491 7,590 7,482 7,4956,403 6,295 6,283 6,261 6,23972 170 218 185 35856,450 57,611 59,131 60,794 61,945 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Public sector Leasing Farmers Enterprises +7.9% y/y +2.8% q/q +9.7% y/y +1.9% q/q • Increase in the PLN mortgage portfolio: +2.6% q/q (+9.3% y/y). Further decline in the value of CHF mortgages (-15.6% q/q, -41.8% 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: 61.2% (-0.2 pp q/q, -0.3 pp y/y). • Increase in the cash loan portfolio: +0.8% q/q (-0.7% 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: +2.1% q/q (+13.2% y/y), to individual farmers: +0.2% q/q (-2.6% y/y) and to the public sector: +93.9% q/q (+396.4% y/y). Negative dynamics of the lease portfolio: -0.4% q/q (-2.6% y/y). • Shares in loans to Institutional Customers at the end of Q2 2026: • loans to enterprises: 77.3% (+0.2 pp q/q, +2.3 pp y/y), • Individual farmers: 12.1% (-0.2 pp q/q, -1.5 pp y/y), • Lease: 10.1% (-0.2 pp q/q, -1.3 pp y/y).
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41A P P E N D I C E S Deposit structure by Customer type [PLN million]Deposit term structure [PLN million] Deposit base structure +6.0% y/y -0.0% q/q +6.0% y/y -0.0% q/q In Q2 2026 the following were recorded: • increase in deposits from enterprises by 1.6% q/q (+6.3% y/y) and from the public sector by 11.9% q/q (+46.1% y/y), • decrease in deposits from Individual Customers by 2.4% q/q (+3.4% y/y) and from farmers by 4.9% q/q (+2.9% y/y). Term structure of deposits and by Customer segment • Increase in the share of Customers’ current accounts in total deposits: 69.0% at the end of Q2 2026 (+2.8 pp q/q, -5.1 pp y/y). • Quarterly increase in current accounts by PLN 3,848 million (+4.3%) with a decrease in term deposits by PLN 3,889 million (-8,7%). • Current accounts - increase for both Institutional and Individual Consumers by PLN 2,547 million (+4.7% q/q) and PLN 1,301 million (+3.6% q/q), respectively. • Term deposits - decrease for both Individual and Institutional Consumers by PLN 2,712 million (-11.8% q/q) and PLN 1,177 million (-5.4% q/q), respectively. 82,358 82,268 94,196 90,442 94,290 45,010 44,472 45,326 44,831 40,942 1,444 1,312 1,366 1,306 1,325 128,812 128,052 140,888 136,579 136,557 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Other liabilities Term deposits Current accounts 56,268 56,538 59,183 59,656 58,208 65,297 63,955 73,512 68,311 69,402 3,454 3,964 3,769 4,511 5,046 3,792 3,596 4,425 4,101 3,901 128,812 128,052 140,888 136,579 136,557 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Farmers Public sector Enterprises Individual Customers 67.5% 69.5% 64.7% 68.0% 69.5% net loans / deposits
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42A 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 62.7% 59.9% 59.2% 59.5% 58.5% 0.6% 0.6% 0.4% 0.6% 0.6% 36.7% 39.6% 40.4% 39.9% 40.8% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Securities measured at amortised cost Securities measured at FV through P&L Securities measured at FV through OCI -0.0% q/q +6.0% y/y +2.4% q/q +10.4% y/y 247.2 237.1 292.8 246.1 237.8 - 500.0 58,190 60,559 61,141 62,701 64,213 34.5% 35.9% 33.8% 35.4% 35.5% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 160.4 159.9 167.0 163.5 159.3 0.0 500.0 NSFR [%]x 128,812 128,052 140,888 136,579 136,557 76.4% 76.0% 78.0% 77.0% 75.5% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 63.9% 64.2% 66.9% 66.2% 69.0% 34.9% 34.7% 32.2% 32.8% 30.0% 1.1% 1.0% 1.0% 1.0% 1.0% 30.06.25 30.09.25 31.12.25 31.03.26 30.06.26 Current accounts Term deposits Other liabilities
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43A P P E N D I C E S Net banking income [PLN million] Q 2 20 26 Q 2 20 25 c hange Net interest income 1,465 1,473 (0.6%) Net fee and commission income 353 328 7.6% Net trading income 211 318 (33.8%) Net investment income 3 (1) - Dividends 4 4 (9.6%) Hedging accounting (6) (0) 2,566.8% Result on derecognition of financial assets measured at amortised cost (2) 1 - Other operating income and expenses (2) (29) (94.2%) Net banking income 2,025 2,094 (3.3%) Impact of interest rate cuts and the lack of one-offs comparable to last year within the net trading income on the decline in NBI • Y/Y decrease in net interest income related to the negative impact of the interest rates cut. The decline in interest income on loans was partially offset by the optimization of Customer deposit costs, an increase in the result from placing liquidity surpluses and an improvement in the result from hedging accounting. • Higher y/y net fee and commission income mainly due to an increase in fees for: asset management and brokerage operations, M&A consulting in other fees, loans as well as accounts and settlements (payments and e-banking). • Lower net trading income y/y mainly due to the lack of comparable large interest rate instrument transactions with Customers in 2026 vs H1 2025. A q/q decrease in net interest income resulting mainly from lower interest income on loans due to a decline in interest rates Higher net fee and commission income mainly due to an increase in asset management and brokerage operation fees, for transfers and e- banking and in the CIB area (M&A transactions). Decrease in quarterly net trading income due to the lower result in the area of asset and liability management (FX swaps). [PLN million] 6 M 20 26 6 M 20 25 c hange Net interest income 2,910 2,968 (1.9%) Net fee and commission income 668 656 1.8% Net trading income 416 603 (31.0%) Net investment income 4 (3) - Dividends 4 4 (4.9%) Hedging accounting 8 (3) - Result on derecognition of financial assets measured at amortised cost (4) (1) 259.9% Other operating income and expenses (18) (12) 50.2% Net banking income 3,989 4,212 (5.3%)
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44A P P E N D I C E S Consolidated P&L PLN thous. Profit and loss account 30.06.2026 30.06.2025 Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 Interest income 4,542,907 5,005,943 2,262,694 2,280,213 2,416,776 2,450,195 2,491,735 Interest expenses (1,632,486) (2,038,276) (798,087) (834,399) (948,952) (993,602) (1,018,394) Net interest income 2,910,421 2,967,667 1,464,607 1,445,814 1,467,824 1,456,593 1,473,341 Fee and commission income 794,715 781,170 416,254 378,461 381,957 356,638 390,035 Fee and commission expenses (127,027) (125,559) (63,230) (63,797) (64,633) (68,104) (61,913) Net fee and commission income 667,688 655,611 353,024 314,664 317,324 288,534 328,122 Dividend income 4,175 4,389 3,814 361 158 5,225 4,217 Net trading income 415,956 603,001 210,622 205,334 248,015 225,761 318,080 Net investment income 4,041 (2,970) 2,872 1,169 673 (43) (596) Result on hedge accounting 8,149 (2,829) (6,347) 14,496 (9,279) 947 (238) Result on derecognition of financial assets measured at amortised cost (3,549) (986) (1,659) (1,890) (5,926) (12,786) 663 Other operating income 186,871 162,132 110,736 76,135 63,845 47,216 69,421 Net allowances on expected credit losses of financial assets and provisions for contingent liabilities (143,009) (9,004) (80,516) (62,493) (68,721) (96,774) 18,239 Result on legal risk related to foreign currency loans (149,654) (314,263) (41,418) (108,236) (119,197) (65,291) (249,358) General administrative expenses (1,631,014) (1,506,926) (699,236) (931,778) (663,825) (668,834) (658,080) Depreciation (257,245) (255,754) (129,127) (128,118) (142,188) (131,140) (128,338) Other operating expenses (204,456) (211,911) (112,429) (92,027) (64,509) (56,782) (98,815) Operating result 1,808,374 2,126,225 1,074,943 733,431 1,024,194 992,626 1,076,658 Tax on financial institution (196,884) (196,771) (95,535) (101,349) (101,088) (95,493) (95,329) Gross profit (loss) 1,611,490 1,929,454 979,408 632,082 923,106 897,133 981,329 Income tax (636,324) (454,160) (379,586) (256,738) (36,147) (201,632) (247,483) NET PROFIT (LOSS) 975,166 1,475,294 599,822 375,344 886,959 695,501 733,846
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45A P P E N D I C E S Assets PLN thous. Consolidated statements of financial position 30.06.2026 31.03.2026 31.12.2025 30.09.2025 30.06.2025 ASSETS Cash and balances with the Central Bank 9,558,086 10,372,394 10,224,866 6,916,304 7,556,716 Amounts due from banks 6,554,410 5,347,040 11,616,566 5,946,747 9,392,969 Derivative financial instruments 1,696,902 2,038,233 2,359,460 2,182,999 2,719,323 Adjustment of fair value of the hedging and hedged item 373,008 210,859 345,550 250,869 134,140 Loans and advances to customers valued at amortised cost 94,701,829 92,562,286 90,887,678 88,655,668 86,546,644 Loans and advances to customers valued at fair value through P&L 219,807 247,814 286,183 324,021 360,834 Securities valued at amortised cost 37,590,362 37,302,631 36,180,626 36,249,896 36,479,945 Securities valued at fair value through P&L 405,669 396,583 240,949 350,337 357,813 Securities valued at fair value through the other comprehensive income 26,217,449 25,001,433 24,719,802 23,959,004 21,352,388 Intangible assets 906,775 915,106 964,459 917,253 928,489 Property, plant and equipment 889,008 907,624 947,992 893,070 907,842 Deferred income tax assets 813,309 899,097 898,673 714,230 746,694 Current income tax assets 2,128 3,601 920 71 71 Other assets 935,020 1,140,271 1,051,540 1,198,328 1,064,690 TOTAL ASSETS 180,863,762 177,344,972 180,725,264 168,558,797 168,548,558
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46A P P E N D I C E S Liabilities and equity PLN thous. Consolidated statements of financial position 30.06.2026 31.03.2026 31.12.2025 30.09.2025 30.06.2025 LIABILITIES Amounts due to the Central Bank - - - - - Amounts due to other banks 10,044,641 10,189,219 10,145,231 10,680,231 10,614,897 Adjustment of fair value of the hedging and hedged item 293,864 152,692 320,087 247,513 276,193 Derivative financial instruments 1,748,775 1,962,498 2,276,575 2,154,992 2,369,359 Amounts due to customers 141,437,258 136,578,858 141,338,836 129,705,242 129,261,652 Liabilities under issued debt securities (including subordinated issues) 4,350,263 4,330,457 4,226,368 692,327 680,709 Subordinated liabilities - - - 2,720,740 3,413,087 Leasing liabilities 542,688 545,760 553,436 564,095 580,900 Other liabilities 3,159,498 3,392,194 2,048,795 3,004,132 3,316,891 Current income tax liabilities 149,832 250,569 177,971 120,111 109,261 Provisions 2,070,849 2,067,893 2,039,657 2,068,123 2,097,390 TOTAL LIABILITIES 163,797,668 159,470,140 163,126,956 151,957,506 152,720,339 EQUITY Share capital 147,949 147,880 147,880 147,880 147,880 Supplementary capital 9,180,883 9,180,883 9,180,883 9,180,883 9,180,883 Other reserve capital 6,162,395 4,663,813 4,672,514 4,683,609 4,695,800 Capital bonds 650,000 650,000 650,000 650,000 650,000 Revaluation reserve (165,191) (273,916) (183,796) (304,949) (394,705) Retained earnings 1,090,058 3,506,172 3,130,827 2,243,868 1,548,361 retained profit 114,892 3,130,828 73,073 73,073 73,067 net profit for the period 975,166 375,344 3,057,754 2,170,795 1,475,294 TOTAL EQUITY 17,066,094 17,874,832 17,598,308 16,601,291 15,828,219 TOTAL LIABILITIES AND EQUITY 180,863,762 177,344,972 180,725,264 168,558,797 168,548,558
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47A P P E N D I C E S Disclaimer • 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.
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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 147,949,302. CONTACT Investor Relations and ESG Reporting Bureau 2 Kasprzaka Street, 01-211 Warsaw relacjeinwestorskie@bnpparibas.pl www.bnpparibas.pl/en/investor-relations