Slides
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5 NOVEMBER 2026 PRESENTATION OF Q3 2026 RESULTS BNP PARIBAS BANK POLSKA SA GROUP
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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 Results of the BNP Paribas Bank Polska Group in Q3 2026 Acceleration of growth in key strategic areas: business volumes and the number of Customers. Increase in NBI and net profit 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 99.9 bn +3% q/q +9% y/y 3.4 % +12 bps q/q PLN 2.1 bn PLN 689 m +15% q/q -1% y/y • Growth of NBI due to net interest income increase. Improved net interest margin • Stable level of operating expenses • Low level of cost of risk resulting from good quality of the loan portfolio • Stable, low level of impact from CHF loan portfolio legal risk • Retail Customers – an increase in the number of Customers and sales of consumer loans. Growth in the deposit portfolio across all sub-segments • Institutional Customers – acceleration of loan growth for Corporate Clients, and reversing the trend in the SME portfolio. Further growth in deposits • Further growth in Retail Customer acquisition and sales of accounts • Development of digital channels and capabilities increasing the acquisition efficiency and improving Customer experience • High loan sales in Corporate and SME Banking 15.0 % +2 pp q/q -7 pp y/y 40.9 % ~0 pp q/q -3 bps y/y net profit NBI +7% y/y +2 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 9M 2026 9M 2026 2030 Retail Clients net growth +204 thous. +1 m Corporate loans market share 8.4% 10% New sustainable loan production1 PLN 6.0 bn PLN 25 bn Business ambitions Retail and Business Banking Corporate Banking2 First combination of an investment product with a charitable component on the Polish market - the issuance of structured certificates with 100% capital protection, with a donation of 0.4% of the nominal value to the Noble Gift, prepared in collaboration with the BNP Paribas Foundation, which celebrates its 20th anniversary 2. Corporate Banking & CIB & SME Sale of loans - increases for the consecutive quarter: cash loans (7% y/y), mobility (26% y/y), instalment loans (77%y/y) New guarantee module in GOonline Biznes – improvement of Client experience and support for the leading position in the market with a 20% share in the number of guarantees granted Digital channels development – implementation of additional solutions to increase acquisition efficiency, including the opening of a current account using mObywatel. In Q3, growth in digital current account sales by 17% y/y 1. data including adjustment of the reporting scope since September 2026 Corporate Banking & CIB: the quarterly growth rate of the loan portfolio to 4.0% q/q (16.6% y/y) - since the beginning of the year, an increase of PLN 4.3 billion, mainly investment and working capital loans SME: recovery in loans - loan portfolio growth of 5.2% q/q and 8.0% y/y and, observed across all types of loans and Client segments, including processors in the food-agri sector 1st place in category ”Digital Client” (Newsweek ranking) Another quarter of growth in current account sales with an annual growth rate of 14%, supported by a new offer for strategic segments and effective conversion of Clients from instalment loans (12% of CAs sales in Q3)
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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* CURRENT 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 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 +8% +14% -5% -17% -2% +4% -40% -25% +4% +26% +1% 0% +1% +11% Growth in sales of current accounts and consumer loans. Higher 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 91,442 93,560 95,271 97,372 99,923 5.6% 5.6% 5.8% 5.7% 5.6% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 +1.9% q/q +3.0% q/q 5.2% 5.6% 5.3% 5.0% 5.0% 128,052 140,888 136,579 136,557 140,716 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 +2.9% q/q +3.2% q/q 2,762 2,694 2,748 2,816 2,898 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 +3.2% q/q +0.7% q/q +2.6% q/q +9.3% y/y +3.0% q/q +9.9% y/y Market share +2.9% q/q +4.9% y/y Acceleration of growth in Institutional Customer loan volumes. Significant increase in deposits across all Customer segments. Continued growth in the acquisition and number of Individual and Institutional Customers significant increase in Individual Customer deposits while maintaining the deposit margin continued increase in Institutional Customer deposits (in all subsegments) increase in the number of Institutional Customers (in all subsegments) growth in Individual Customer loan portfolio due to record sales of consumer loans acceleration of 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 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
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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] (97) (69) (62) (81) (54) (65) (119) (108) (41) (53) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Cost of risk CHF portfolio legal risk impact +26.9% q/q -19.5% y/y -32.6% q/q -43.9% y/y Cost of risk and impact of CHF portfolio legal risk [PLN million] 897 923 632 979 1,045 696 887 375 600 689 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Profit before tax Net profit +14.9% q/q -0.9% y/y Improvement in net profit due to growth in NBI, stable operating expenses and decrease in cost of risk +3.0% q/q +6.7% y/y +3.0% q/q +6.7% y/y +5.8% y/y +0.9% q/q 1,955 2,018 1,964 2,025 2,086 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 (790) (796) (821) (828) (836) (10) (10) (239) 0 0 (800) (806) (1,060) (828) (836) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 +0.9% q/q +4.5% y/y w/o BGF impact BGF * * * Financial results BGF BGF * * • Visible increase in quarterly net banking income due to improved net interest income. • Similar quarterly level of administrative costs and depreciation. • Low level of cost of risk due to the very good quality of the loan portfolio. • Low level of CHF portfolio legal risk impact. +6.7% q/q +16.5% 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 [%] (0.16%) (0.19%) (0.27%) (0.30%) (0.27%) 9M 25 12M 25 3M 26 6M 26 9M 26 41.6% 41.2% 54.0% 47.3% 44.8% 38.5% 38.8% 41.8% 41.3% 40.9% 9M 25 12M 25 3M 26 6M 26 9M 26 Quarterly improvement of ROTE and C/I ratios driven by higher core revenues, cost control and low cost of credit risk. Improved net interest margin 3.43% 3.33% 3.28% 3.28% 3.40% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 18.1% 18.7% 8.6% 11.2% 12.7% 21.8% 22.6% 10.5% 13.4% 15.0% 9M 25 12M 25 3M 26 6M 26 9M 26 ROE ROTE Financial ratios • Improvement of the quarterly C/I ratio due to an increase in core revenues and stabilization of administrative costs and depreciation. • Improvement in net interest margin due to growing loan portfolio, maintaining deposit margin, and higher profitability of the securities portfolio. • Low cost of risk resulting from the very good quality of the loan portfolio. • YoY decline in ROE and ROTE resulting from the increase in income tax rate. 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 Economy growing at solid pace; Inflation above the upper limit of the NBP target Macroenvironment Source: Statistics Poland (GUS), Eurostat, NBP, PFSA, Macrobond, BNP Paribas Although the GDP growth rate probably slowed down in Q3 2026 (compared to 4.1% y/y in Q2), the economic backdrop remains strong. The main growth drivers are currently exports and investments, and in particular the accumulation of expenditures related to the end of the RRF (KPO) programme. Still, the outlook for the economy for the coming months remains solid. Nevertheless, the external environment is becoming increasingly demanding, mainly due to growing uncertainty and higher energy prices. More expensive energy commodities translate into increased inflationary pressure in Poland. In September, CPI inflation in Poland exceeded 4% y/y chiefly due to fuel prices. In such circumstances, the MPC's attitude is also changing to a more hawkish one. During the October conference, the NBP Governor stressed the Council's readiness to act in the event of a significant increase in the risk of inflation spilling over the entire economy. Source: Statistics Poland (GUS), Eurostat, Macrobond, BNP Paribas Robust economic growth continues, but high energy prices are an increasingly worrying risk Price pressure up and the MPC is tightening its tone -10 -8 -5 -3 0 3 5 8 10 Sep.23 Mar.24 Sep.24 Mar.25 Sep.25 Mar.26 Sep.26 Industrial production (% y/y) Construction output (% y/y) Retail sales (% y/y) GDP (% y/y) 60 70 80 90 100 110 120 Jan 25 Apr 25 Jul 25 Oct 25 Jan 26 Apr 26 Jul 26 Oct 26 Jan 27 Apr 27 Jul 27 Oct 27 Brent Oil USD/bbl Futures as of 1st July 2026 Brent Oil and current futures (USD/bbl) 0 3 5 8 10 13 15 18 20 Oct.19 Jul.20 Apr.21 Jan.22 Oct.22 Jul.23 Apr.24 Jan.25 Oct.25 Jul.26 Contribution of main components to annual CPI inflation (pp) Core inflation Food and soft drinks Fuels & Energy -2 1 4 7 10 13 16 19 Jun.20 Mar.21 Dec.21 Sep.22 Jun.23 Mar.24 Dec.24 Sep.25 Jun.26 NBP main policy rate (%) CPI inflation (% y/y) NBP target
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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 still in a ”wait-and-see” mode; credit demand remains strong Weaker zloty fundamentals Banking sector: a strong economic backdrop is boosting credit demand Macroenvironment Source: Statistics Poland (GUS), Eurostat, NBP, PFSA, Macrobond, BNP Paribas Despite more hawkish signals from the Monetary Policy Council, the zloty has been losing value in recent months. Interest rate differentials vs. the euro area, both nominal and real, are gradually narrowing and the EUR/PLN exchange rate has been moving up to 4.35-4.40 levels. At the same time, the worsening current account balance driven by more expensive energy imports and weaker inflow of financial capital from abroad limit support for the domestic currency. In the face of growing inflationary pressure, further weakening of the zloty could further push up prices through the import channel. In Q3 2026, loans and deposits of residents grew at a similar pace, and the loan-to-deposit ratio stopped declining. Solid demand for credit in the main market segments reflects a decent pace of economic growth and the volume of consumer, housing and corporate loans increased by about 10% y/y in September. 4.00 4.10 4.20 4.30 4.40 4.50 4.60 4.70 4.80-13 -11 -8 -6 -3 -1 2 5 7 Jan.12 May.13 Sep.14 Jan.16 May.17 Sep.18 Jan.20 May.21 Sep.22 Jan.24 May.25 Sep.26 Real NBP policy rate (%, inverted) EURPLN (right axis) 4.00 4.15 4.30 4.45 4.60 4.75 4.90-40 -30 -20 -10 0 10 20 Jan.20 Sep.20 May.21 Jan.22 Sep.22 May.23 Jan.24 Sep.24 May.25 Jan.26 Sep.26 CA & private financial flows (EUR bn, 12-monts sum, inverted axis) EURPLN rate (right axis) -10 -5 0 5 10 15 20 Jan.18 Sep.18 May.19 Jan.20 Sep.20 May.21 Jan.22 Sep.22 May.23 Jan.24 Sep.24 May.25 Jan.26 Sep.26 Corporate loans (% y/y) PLN-denominated housing loans (% y/y) Consumer loans (% y/y) -5 -3 0 3 5 8 10 13 15 18 60 65 70 75 80 85 90 95 100 105 Jul.18 Sep.19 Nov.20 Jan.22 Mar.23 May.24 Jul.25 Sep.26 Loans-to-Deposits ratio (%) Deposits of residents (% y/y, right axis) Loans to residents (% y/y, right axis)
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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 – Q3 2026 Financial results Volumes Indicators Total Capital Ratio 18.10% Tier 1 14.67% ROTE 15.0% BVPS (PLN) 120.1 Net loans/deposits 69% LCR 244% NIM (net assets, quarterly) 3.40% Improvement of core revenues due to the acceleration of loan volume growth and enhancement of NIM. Increased net profit supported by stable cost level and lower cost of credit and legal risk PLN million 3Q 2026 2Q 2026 3Q 2025 change q/q change y/y Net interest income 1,560 1,465 1,457 6.5% 7.1% Net fees and commissions income 3 19 3 53 2 89 -9.6% 10.6% Other income&costs 2 06 2 08 2 10 -0.7% -1.6% Net banking income 2,086 2,025 1,955 3.0% 6.7% Total expenses -83 6 -82 8 -800 0.9% 4.5% Total expenses w/o BGF fee -83 6 -82 8 -790 0.9% 5.8% Net allowances on expected credit losses -54 -81 -97 -3 2 .6% -43 .9% Impact of FX mortgage portfolio legal risk -53 -41 -65 2 6.9% -19.5% Gross profit 1,045 979 897 6.7% 16.5% Income tax 3 56 3 80 2 02 -6.2 % 76.6% Net profit 689 600 696 14.9% -0.9% PLN billion 30.09.2026 change q/q change y/y Assets 183 1.3% 8.7% Loans (gross) 100 2.6% 9.3% Securities 63 -1.4% 4.5% Customer deposits 141 3.0% 9.9% Investment products 30 6.1% 28.8% Equity 18 3.5% 6.4%
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15F I N A N C I A L R E S U L T S Market shares [%] Loan portfolio share in total assets 33,831 34,428 34,477 35,427 36,092 57,611 59,131 60,794 61,945 63,831 91,442 93,560 95,271 97,372 99,923 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Institutional Customer loans Individual Customer loans +1.9% q/q +3.0% q/q +2.6% q/q +9.3% y/y +10.8% y/y +6.7% y/y 5.6% 5.6% 5.8% 5.7% 5.6% 4.7% 4.7% 4.6% 4.6% 4.6% 6.5% 6.5% 6.9% 6.7% 6.6% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Total Customer loans Individual Customer loans Institutional Customer loans 54.8% 55.1% 56.0% 55.9% 56.4% 8.2% 8.1% 7.9% 7.7% 7.4% 22.3% 22.5% 22.0% 22.1% 21.7% 0.4% 0.3% 0.3% 0.2% 0.2% 14.3% 14.0% 13.9% 14.1% 14.2% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Institutional Customers w/o farmers Farmers PLN mortgages FX mortgages Individual Customers other loans 53% Significant increase in large Institutional Customers loans. Reversal of the negative trend in the SME subsegment. Continued growth of consumer and mortgage loan portfolios Gross Customer loans [PLN million] Gross loans structure [%] Changes in the loan portfolio Individual Customers’ portfolio • Increase in the value of consumer loans (+3.5% q/q, +8.6% y/y) • increase in the value of mortgage loans (+0.9% q/q, +5.5% y/y) Institutional Customers’ portfolio • increase in the enterprise loan portfolio (+4.1% q/q, +14.1% y/y) • decrease in the portfolio of individual farmers (-0.7% q/q, -0.7% y/y) • decrease in the leasing portfolio (-1.1% q/q, -1.9% y/y) Value of sustainable financing* as at 30.09.2026: PLN 15.8 billion (+8.6% q/q, +48.6% y/y) * Data including adjustment of the reporting scope since September 2026 including the portfolio measured at fair value
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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 311 254 228 193 207 1,267 1,139 1,067 953 794 0.3% 0.3% 0.2% 0.2% 0.2% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 6,518 6,724 6,885 7,052 7,285 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 65 119 108 41 53 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3,287 3,127 3,052 2,914 2,755 335 281 282 227 199 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Value of claims [PLN million] Number of new claims 208.2% 224.3% 235.6% 254.4% 275.3% 2,974 2,824 2,807 2,627 2,437 68 56 49 41 45 Continued positive trends in the decline of the number of new claims and an increase in the number of settlements. Low quarterly impact of legal risk IFRS 9 adjustment foreign currency 71.4% 2.0 k Portfolio structure (value) & number of active loans denominated 28.6% 1.7 k In Q3 2026: 199 new lawsuits (in Q2 2026: 227). Out of 6,505 validly concluded proceedings: • 4,783 cases ended unfavourably, • 1,112 ended with court settlements, • 403 were discontinued due to a settlement, • 98 were discontinued due to a clearing, • 54 ended favourably for the Bank, • 55 were discontinued due to the withdrawal of the lawsuit by the Client. Results of individual negotiations of settlements with Customers as at 30.09.2026: • 14,774 individual settlement offers presented to Customers, • 7,650 negotiation proposals accepted by Customers, • 7,285 settlements concluded. • Balance sheet provision for conversions related to CHF legal risk as at 30.09.2026: PLN 210 million. • In Q3 2026, the Bank used PLN 91 million for conversions and PLN 131 million for the final judgments. CHF portfolio legal risk impact [PLN million] -46% y/y 634 in 3Q 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 56,538 59,183 59,656 58,208 59,899 71,514 81,705 76,923 78,349 80,817 128,052 140,888 136,579 136,557 140,716 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Individual Customer deposits Institutional Customer deposits 237.1 292.8 246.1 237.8 243.8 5.2% 5.6% 5.3% 5.0% 5.0% 4.3% 4.4% 4.3% 4.1% 4.1% 6.3% 7.0% 6.5% 6.2% 5.9% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Total Customer deposits Individual Customer deposits Institutional Customer deposits 64.2% 66.9% 66.2% 69.0% 68.4% 34.7% 32.2% 32.8% 30.0% 30.5% 1.0% 1.0% 1.0% 1.0% 1.1% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Current accounts Term deposits Other liabilities 77% +3.0% q/q +9.9% y/y +3.2% q/q +2.9% q/q +5.9% y/y +13.0% y/y Increase in deposits in both segments while maintaining deposit margins and improving the structure of deposit base Changes in the volume and structure of deposits Market shares [%] Customer deposits [PLN million] • Increase in deposits from Institutional Customers: from enterprises +2.8% q/q (+11.5% y/y), from the public sector +5.7% q/q (+34.6% y/y) and from farmers: +6.7% q/q (+15.8% y/y). • Increase in deposits from Individual Customers in all main subsegments while maintaining deposit margins. • Decrease in the share of term deposits in total deposits by 4.2 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 funds [%] Investment products * Discretionary Portfolio Management 6,514 6,939 7,602 7,775 8,604 2 1 9,644 10,318 10,588 11,267 11,650 1,990 2,057 2,055 2,167 2,181 4,246 4,602 5,111 5,519 5,737 742 854 1,136 1,352 1,620 23,138 24,771 26,492 28,081 29,793 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 DPM* Other funds Structured products BNP Paribas Group Funds Unit-linked Insurances Instruments on brokerage accounts 57.2% 55.3% 48.2% 47.7% 47.6% 5.1% 5.0% 5.4% 6.2% 7.3% 30.0% 31.9% 38.6% 37.8% 36.4% 2.2% 2.2% 2.1% 2.1% 2.2% 5.5% 5.6% 5.7% 6.1% 6.4% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Short-terms debt securities funds Equity funds Debt funds Mixed funds Defined date funds (Employee Capital Plan) +6.1% q/q +28.8% y/y Increase in the value of investment funds and Customers’ assets on brokerage accounts and DPM Further growth in the value of investment products despite a decline in sales in the investment funds’ market in September • Further increase in the value of funds invested in the investment funds of the BNP Paribas Group (+3.4% q/q, +20.8% y/y) and in other funds (+3.9% q/q, +35.1% y/y). • Increase in the value of Customers’ assets on brokerage accounts (+10.7% q/q, +32.1% y/y). • Increase in the value of the DPM portfolio (+19.9% q/q, +118.2% 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 3.40%3.28%3.28%3.33%3.43% 3Q 262Q 261Q 264Q 253Q 25 6,9467,456 (2,476)(3,032) 9M 269M 25 (843)(798)(834)(949)(994) 2,4032,2632,2802,4172,450 3Q 262Q 261Q 264Q 253Q 25 Interest expense Interest income 75% +1.0% y/y +7.1% y/y +6.5% q/q +6.5% q/q Increase in net interest income and NIM due to growth of loan portfolio, maintaining deposit margins, and improvement in the profitability of securities portfolios 4,4714,424 9M 269M 25 1,5601,4651,4461,4681,457 3Q 262Q 261Q 264Q 253Q 25 * Changes in net interest income • Y/Y increase in net interest income due to the optimization of deposit costs, an improvement in the negative result from hedge accounting and higher income from placing liquidity surpluses. • Q/Q higher net interest income due to the growth of the loan portfolio, improvement in securities portfolio profitability and better hedging result. Positive impact of the higher number of interest days in Q3 2026. • In a normalized view (excluding the adjustment of interest on part of retail loans resulting from the CJEU ruling in Q2 2026), the quarterly interest margin in Q3 2026 would have increased by 5 bps (from 3.35% to 3.40%).
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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 (3) 6(5)7(5) 88100818782 8079817876 6882 736769 35 35 343627 51 50 514139 319 353 315317 289 3Q 262Q 261Q 264Q 253Q 25 Other fees Loans and leasing Accounts and settlement operations Cards Insurance Asset management and brokerage operations (1)(13) 268259 240232 223249 104103 152114 987944 9M 269M 25 387416378382357 (68)(63)(64)(65)(68) 3Q 262Q 261Q 264Q 253Q 25 Fee and commission income Fee and commission expenses 1,1821,138 (195)(194) 9M 269M 25 15% +4.5% y/y -9.6% q/q+10.6% y/y Changes in net fee and commission income • Higher y/y net fee and commission income due to the increase in fees: for asset management and brokerage operations, M&A consulting (in other fees), guarantees, and in the area of accounts and settlements (payments and e-banking). • Lower quarterly net fee and commission income associated with the absence of comparable one-off fees on large lending and M&A transactions as well as seasonal settlements with Mastercard. Increase of fees on a y/y basis. Normalization of the quarterly result from Q2 2026 which was supported by commissions from large transactions in the CIB area
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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 535 603 9M 269M 25 182177176176166 3Q 262Q 261Q 264Q 253Q 25 10% -24.5% y/y -7.2% y/y -0.5% q/q -11.2% y/y +9.5% y/y +2.4% q/q Similar net trading income on a quarterly basis. Higher Customer result offset by lower valuation of infrastructure companies and equity instruments 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. • Similar quarterly net trading income. Increase in margin on transactions with Customers offset by a decline in valuations of infrastructure companies and the Bank's own investment. 626 829 9M 269M 25 share in NBI 210211205 248226 3Q 262Q 261Q 264Q 253Q 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 (416)(414)(409)(395)(411) (289)(285)(284)(259)(248) (131)(129)(128)(142)(131) (239) (10)(10) (836)(828) (1,060) (806)(800) 3Q 262Q 261Q 264Q 253Q 25 Personnel expenses Other administrative costs Depreciation & amortization Bank Guarantee Fund (1,239)(1,220) (858)(769) (388) (387) (239) (186) (2,724)(2,563) 9M 269M 25 44.8%47.3%54.0% 41.2%41.6% 40.9%41.3%41.8%38.8%38.5% 9M 266M 263M 2612M 259M 25 7,0997,1517,1767,232 7,335 9M 266M 263M 2612M 259M 25 +6.3% y/y +4.6% y/y +4.5% y/y +5.8% y/y +0.9% q/q +0.9% q/q + 3.3 pp y/y + 2.4 pp y/y -3.2% y/y ** * Similar quarterly level of operating expenses. Y/Y increase reflecting the normalization of the cost base in the area of settlements with the BNPP Group * w/o BGF costs Changes in operating expenses • Growth in costs y/y due to the increase in BGF fees, advisory services, and IT expenses. The dynamics of the growth of advisory costs related to the lower level of these costs in the previous year as a result of the review and adjustment of provisions for settlements with the BNPP Group. • Similar quarterly level of costs. A slight increase in IT and employee costs offset by lower legal costs. 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] 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Quartely cost of risk* (43) (30) (27) (34) (22) (85) (65) (37) (63) 5 (12) (3) (25) (17) (59) (97) (69) (62) (81) (54) 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Institutional Customer loans Individual Customer loans (74) (96) (32) (101) (106) (197) 9M 25 9M 26 -32.6% q/q-43.9% 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 Q3 2026 amounted to PLN -54 million, translating into cost of risk at the level of 22 bps+86.5% y/y The cost of risk in Q3 2026 reflected the very good quality of the loan portfolio. Additionally, the balance of provisions was impacted by: • PLN 44 million in provisions created due to changes in models and parameters (mainly for Individual Customer loans, with the most significant impact on the Personal Finance portfolio), • PLN 38 million release of provisions for future materialization of risk that were established in previous periods in the form of PMA for sensitive Client loans in the commercial real estate segment and for loans to Clients in the transport sector (Institutional Customers), • an update in expectations regarding the future macroeconomic situation, resulting in the creation of provisions amounting to PLN 12 million, of which PLN 9 million was related to the Institutional Customers’ loans. In 9M 2026 the net allowances on expected credit losses was PLN -197 million. The key factors impacting the difference in y/y results: • changes in models for estimating expected credit losses and updates to parameters, which had a positive impact on the results for 9M 2025 and a negative impact on the results for 9M 2026, • a larger negative impact from the update of expectations regarding the future macroeconomic situation in 9M 2026.
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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% 1.9% 2.0% 1.8% 1.8% 1.3% 1.2% 1.2% 1.1% 1.0% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Loans to individual Customers Mortgage loans 3.0% 2.8% 2.7% 2.6% 2.6% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 3.3%3.6%3.6%3.7% 4.4% 3.0%3.1%3.1%3.3% 3.7% 3.0%3.1%3.1%3.3% 3.6% 2.7%2.6%2.7%3.3% 2.4% 3Q 262Q 261Q 264Q 253Q 25 Farmers Institutional Customer loans total Institutional Customer loans excl. Farmers Leasing 1,4771,4721,4441,4701,584 242258258268316 216233260256277 444405431400448 168165169207152 2,5472,5342,5622,6022,777 3Q 262Q 261Q 264Q 253Q 25 Leasing Other retail loans Retail mortgages Loans to Farmers Insitutional Customer loans excl. Farmers +0.5% q/q-8.3% y/y Low 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 2.6% at the end of Q3 2026. Stable NPL level due to a very good loan portfolio quality. Low NPL level – lack of the sale of NPL portfolio in Q3 2026.
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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 86.8% 88.0% 87.9% 87.4% 86.6% 10.1% 9.2% 9.4% 10.0% 10.8% 3.0% 2.8% 2.7% 2.6% 2.6% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Stage 1 Stage 2 & POCI performing Stage 3 & POCI non-performing 5.3% 6.7% 6.7% 6.2% 5.7% 1.0% 1.0% 1.0% 1.0% 1.0% 0.5% 0.4% 0.4% 0.5% 0.5% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Coverage Stage 2 & POCI performing Coverage Stage 1 & 2 & POCI performing Coverage Stage 1 12.6% 11.5% 11.9% 12.9% 13.6% 10.1% 9.2% 9.4% 10.0% 10.8% 5.9% 5.3% 5.1% 5.0% 5.8% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Loans to institutional Customers Total gross loans Loans to individual Customers 67.8% 68.5% 69.0% 67.7% 68.2% 54.6% 54.1% 56.1% 55.3% 55.2% 49.9% 49.2% 51.4% 51.1% 50.6% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 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. Decrease in the coverage od Stage 2 due to the entry into Stage 2 of new loans characterized by lower coverage. Increase in Stage 2 share mainly due to the reclassification of several Institutional Customers to Stage 2 and the update of the Probability of Default (PD) for Individual Customer loans.
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26F I N A N C I A L R E S U L T S Capital adequacy Solid capital position supporting further growth of the lending activity. Decrease in RWA due to a securitization transaction TCR Total risk exposure amount (PLN billion) x Tier 1 x Total risk exposure amount (PLN billion) 17.4 17.5 17.3 19.0 18.8 17.51% 16.86% 16.79% 18.02% 18.10% 12.00% 11.75% 11.75% 11.75% 12.75% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Total own funds TCR (reported) TCR (regulatory requirement) 99.6 103.7 102.9 105.2 104.1 14.1 14.1 13.8 15.5 15.3 14.15% 13.60% 13.42% 14.72% 14.67% 10.00% 9.75% 9.75% 9.75% 10.75% 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Tier 1 capital Tier 1 (reported) Tier 1 (regulatory requirement) 99.6 103.7 102.9 105.2 104.1 +59 bps y/y +52 bps y/y TCR and Tier 1 above the minimum regulatory requirement as at the end of Q3 2026: +5.3 pp and +3.9 pp, respectively On 30 September, the Bank concluded a synthetic securitization transaction with the European Investment Fund. The impact of the transaction as of 30 September 2026, was as follows: TCR +3 5 bps, T1 +28 bps, and CET 1 +26 bps. Decrease in own funds related, among others, to the increase in bond yields and their negative valuation accounted for in the funds. Decrease in credit risk exposure resulting from the conclusion of a synthetic securitization transaction on the corporate loan portfolio. Additional regulatory capital requirements for the Bank at the end of Q3 2026: • OSII buffer at 0.25% (from 21 November 2025), • Countercyclical buffer at 2.0% (up by 1 pp from September 2026). The Bank’s MREL-TREA ratio as at the end of Q3 2026 stood at 23.01%, above the minimum MREL requirement of 20.49% (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 high volatility on the financial and raw material markets. Growing defense expenditures and decent global economic situation. • Expected GDP growth by 3.5-4.0% in 2026 driven by absorption of EU funds, investment activity in the economy and accelerating exports while also sustained solid households' demand. • CPI inflation remains under pressure from energy prices, possible MPC’s upward safety adjustment to interest rates. Tight fiscal space and lack of potential for the quick stabilization in public finance emerge pressure on bonds market valuation. • High liquidity on the market fueling competitive pressure in the banking sector. • 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 (including: credit, KYC, onboarding and complaints).
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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 2.9 millionRetail and Business Banking Acquisition of Individual Customers Sales of current accounts thous. Sales of cash loans Sales of investment products** PLN m PLN m Retail & Business Customers* 146 191 200 3Q 25 2Q 26 3Q 26 56.3 59.4 64.4 22% 14% 23% 3Q 25 2Q 26 3Q 26 share of digital sales (E2E) 1,199 1,268 1,289 15% 14% 15% 3Q 25 2Q 26 3Q 26 share of digital sales (E2E) 3,374 2,974 2,814 68% 68% 65% 3Q 25 2Q 26 3Q 26 share of digital sales E2E (pcs.) +5% q/q+37% y/y +8% q/q+14% y/y +7% y/y +2% q/q -5% q/q-17% y/y +136 thous. +82 thous. +5.0% y/y +3.0% q/q Sales growth of current accounts and cash loans. 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 New product offer • Acquisition campaign for individual Clients – promotion of a travel account with a bonus for activity of up to PLN 1,100 • Dynamic Yield – 4-month deposit with an average interest rate of 6% p.a., supporting the acquisition of new Customers and the growth of the deposit base • Deposit with funds – digital offer combining a term deposit with an investment in investment funds • Boost your business – 4th edition of the promotion for new micro-enterprise Clients with a bonus up to PLN 5,000 • Mortgage credit retention – development of the Customer retention process for customers with mortgage loans, supporting the continuation of relations with the Bank • Simple and quick possibility of opening an account online using the mObywatel application • Implementation of full investment fund management in GOmobile (acquisition, redemption, purchase, conversion) • Simplification of savings rules - presenting the algorithm for calculating new funds in deposit offers in GOmobile • Increasing the effectiveness of CRM activities by implementing a welcome pop-up after logging in to GOmobile Digitalization – Q3 2026 Institution of the Year 2026 (II wave) – 1st place among 14 banks in the survey of young Customer service (18-26 years old) in branches Sales – Q3 value, change q/q || y/y • Investment products**: PLN 2.8 bn, -5% || -17% • Mortgage loan: PLN 1.1 bn, -40% || -25% • Cash loan: PLN 1.3 bn, +2% || +7% • Current account: 64.4 thous., +8% || +14% • Credit card: 9.1 thous., -4% || +4% • Micro loan (incl. leasing): PLN 0.8 bn, -6%, || +6% • 19.2 million BLIK transactions: -2% q/q || +9% y/y • 89.6 million logins to GOmobile: 0% q/q || 0% y/y Digital sales in Q3 2026, share in the total number of products sold: • cash loans: 54% (53% in Q2 2026) • investment products**: 65% (68% in Q2 2026) New features in digital banking
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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 3,014 (1,655) (18) (380) (155) 806 2,937 (1,711) (102) (202) (151) 771 Net banking income Operating costs Cost of risk CHF provisions Banking tax Gross profit/loss 9M 25 9M 26 48% +3% y/y +455% y/y -47% y/y -3% y/y -4% y/y +4.9% y/y +6.2%y/y +3.4% q/q Slightly lower gross profit related to a decline in net interest income and higher cost of credit risk, partially offset by a lower impact of legal risk related to CHF * due to the 2026 re-segmentation, the 2025 data are presented on a comparative basis 11,780 11,858 12,068 12,504 12,934 4,501 4,797 4,309 4,351 4,437 3,674 3,353 3,849 3,780 3,595 20,481 21,086 20,947 21,473 21,651 1,817 1,898 1,850 1,840 1,780 801 779 762 783 78443,055 43,773 43,785 44,731 45,181 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Credit cards Lease receivables Retail estate financing loans Overdraft facilities Investment loans Consumer loans and other loans 34,075 35,438 36,118 37,596 38,696 13,863 15,615 16,906 17,351 18,215 26,191 27,734 24,594 21,441 22,208 1,055 866 859 775 704 75,185 79,653 78,478 77,164 79,823 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 O/N deposits Term deposits Savings accounts Current accounts -3% y/y ( -18% y/y ) Gross profit for 9M 2026 w/o the impact of CHF portfolio legal risk would equal PLN 973 million vs PLN 1,185 million for 9M 2025 +1.0% 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.12.8 thous. SME Customers Corporate CustomersCorporate Banking, SME & Corporate and Institutional Banking (CIB) - 0.2…+ 0.3 thous., + 0.1 thous., +2.7% y/y +1.2% q/q - 0.2 thous., + 0.1 thous., -0.8% y/yFocus on addressing Customers’ needs and service quality Transformation and new offer • Dynamic growth of the loan portfolio: +4.0% q/q, +15.4% y/y • Increase in income: +2.9% q/q, +7.5% y/y; including CIB: +4.9% q/q, +29.4% y/y, mainly due to higher net interest income following growing loan and deposit volumes and growing result on fx & trading activities • Further development of sustainable financing (Corporate Banking & CIB and SME)*: portfolio value as at 30.09.2026 - PLN 12.2 billion (+10.2% q/q, +35.8% y/y) • Increase in Customer acquisition during 3 quarters of 2026: Corporate Banking +16% y/y, SME +11% y/y • Increase in transactionality of Customers (payment volumes, both incoming and outgoing) • Lease sale (new volume during 3 quarters of 2026): for Corporate Customers PLN 957 million (+45% y/y), for SME Customers PLN 290 million (+8% y/y) Business development Net fee and commission income increase in income y/y from credit commissions and cash management Revenues +7% y/y -13% q/q +11% y/y +3% q/q Foreign exchange transactions higher revenues due to a growth in transaction volume +0.3% q/q Net income Expansion of the GOonline Biznes ecosystem: • Guarantee module – new look and new functionalities facilitating the use of the module • Business Clients are the first in Poland to gain the possibility of logging in to GOonline Biznes using an access key (Passkey – password less authentication) What’s new in the offer: • for new SME Clients from the agricultural sector - company account with a package of Agro Box services and an attractive interest-bearing auxiliary account in PLN • enhancement of the cash handling offer through cash handling devices: cash deposit ATM, payment machine and Client drop box * 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 Q3 2026 3Q 25 2Q 26 3Q 26 3Q 25 2Q 26 3Q 26 the first bank in Poland, to introduce logging in with an access key to online banking for companies
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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] 2,632 (891) (85) (133) 1,523 2,538 (973) (110) (144) 1,311 Net banking income Operating costs Cost of risk Banking tax Gross profit/loss 9M 25 9M 26 -4% y/y +9% y/y +29% y/y +9% y/y -14% y/y 26,434 26,986 27,373 28,110 29,681 13,452 14,603 15,852 16,235 16,660 2,210 2,287 2,273 2,327 2,281 274 258 265 286 277 42,370 44,134 45,763 46,958 48,900 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 Factoring & other loans Lease receivables Overdraft facilities Investment loans +15.4% y/y +4.1% q/q 37,378 46,588 40,658 42,859 43,128 43 31 31 36 3714,626 14,115 16,804 16,145 17,378 530 254 344 240 244 52,577 60,988 57,837 59,281 60,787 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 O/N deposits Term deposits Savings accounts Current accounts * 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 operating expenses Deposit portfolio* [PLN million] +15.6% y/y +2.5% q/q 42%
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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 74.5… thous.74.5 thous. Food & Agri Customers Products and services driving the transition to sustainability Financing supporting sustainable development* Food & Agri volumes LOANS DEPOSITS Corporate 34% SME 25% Retail 41% Corporate 39% SME 29% Retail 32% 30.09.2026 PLN 11.9 bn -2.4% vs.2025 PLN 13.9 bn 0.0% vs. 2025 PLN 6 billion sales of loans supporting sustainable development (3 quarters 2026) [gross] Retail 23% Corporate & CIB 75%SME 2% PLN 15.8 bn +23.5% vs. 2025 30.09.2026 Sales and customer relations activitiesBusiness development • Leader in BGK Guarantees – market share: - Agromax for the Food&Agri sector - 42% - Ekomax for the energy transition of enterprises - 31% • Tangible transformation - growth outstanding of financing supporting sustainable development in the Food&Agri sector by 29.9% (q/q) • Active acquisition of subsidy customers - promises for agri-food processors applying for subsidies from the Strategic Plan for the Common Agricultural Policy, using the ranking list of the Ecological Loan to acquire customers and offer alternative financing • Implementing decarbonization credit into the regular corporate banking offer • ESG Round Table - engagement in the initiative to develop standards for calculating the carbon footprint for the decarbonization of animal production • Meetings with entrepreneurs - a series dedicated to the key role of decarbonization and dedicated financial instruments that effectively support the implementation of sustainable solutions in enterprises • International Dairy Cooperatives Forum - partnership and contribution to the largest conference in dairy sector in CEE • ESG Leaders Insights - a series of expert interviews and podcasts on sustainable development and the role of ESG in modern business Transactions related to sustainable development • SLL for a leading company in e-commerce sector • SLL for a leading company in the water production and bottling sector • Green Loan for a market leader in warehouse real estate ESG Risk Rating Morningstar Sustainalytics Agency • low risk at the level of 14.0 • the best result among banks in Poland Legal disclaimers: https://www.sustainalytics.com/legal-disclaimers https://www.sustainalytics.com/corporate-solutions/esg-solutions/top-rated-companies (last update – October 2026) * data including adjustment of the reporting scope since September 2026
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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] 6,812 6,755 6,757 6,750 6,723 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 +3.4% q/q +20.8% y/y -0.4% q/q -1.3% y/y Continuation of inflows to equity and short-term duration subfunds in Q3 2026. Lease assets slightly lower 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. • 14.2 thous. contracts concluded for a total value of PLN 2.6 billion in 9M 2026 (+9% y/y). • PLN 6.7 billion - portfolio of financed assets at the end of September 2026. • Sales growth in the Corporate Clients and SME segment vs 9M 2025. • Focus on further improving the efficiency of the portfolio servicing process. BNP Paribas Leasing Services Sp. z o.o. 9,643 10,318 10,588 11,267 11,650 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 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 Q3 2026 amounted to PLN 11.7 billion (+20.8% y/y, +3.4% q/q). An increase in AuM by PLN 2 billion y/y (+0.4 billion q/q). AuM in equity subfunds increased significantly to PLN 855 million (+73.3% y/y, +21.4% q/q). • In Q3 2026, the Subfund BNPP Ultra Short Treasury Bond had the highest net sales (PLN +159.9 million) followed by BNP Paribas Small and Midcap (PLN +51.7 million) and BNP Paribas Global Convertible Bond (PLN +51.4 million). • At the beginning of September, in cooperation with the Bank, Deposit with Fund was launched: 50% of the invested amount goes to the bank deposit with attractive interest rate (currently 5% p.a.), while the remaining 50% is invested in one of five selected investment subfunds managed by BNP Paribas TFI S.A. with different risk profile.
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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 Change in share price [30.09.2025=100%] Fitch rating (update on 19 October 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. 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% -10% 10% 30% 50% 70% 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 31.08.26 30.09.26 120.1 115.4 120.9119.0 112.3 107.0109.5 104.2 96.8 75.876.277.0 82.6 3Q 262Q 261Q 264Q 253Q 252Q 251Q 254Q 243Q 242Q 241Q 244Q 233Q 23 28,429.0 pts +73.7% y/y +60.6% y/y 166.2 PLN Significant increases in banks’ share prices on the WSE in Q3 2026 30 September 2026 free-float: PLN 6.2 bn P/BV: 1.4 capitalization: PLN 24.6 bn Shareholder structure 30.09.2026 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% 30 September 2026
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38A P P E N D I C E S 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 1,704 1,724 1,750 1,795 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 1,306 1,341 1,373 1,414 1,467 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 674 656 675 698 734 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 17,512 19,027 18,277 19,514 19,154 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 +3% q/q +7% y/y +12% y/y +5% q/q +9% y/y -2% q/q +9% y/y +4% 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 related to C-744/24 case (PLN 30.6 m in NII and PLN 12.2 m in other operating costs) • PLN -52.6 m - CHF mortgage loan portfolio legal risk impact
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40A P P E N D I C E S 40A P P E N D I C E S Institutional Customer loans** [PLN million]Individual Customer loans [PLN million] Loan portfolio 20,416 21,062 20,942 21,482 21,655 331 273 246 210 2244,270 4,488 4,710 5,087 5,413 8,815 8,605 8,578 8,649 8,800 33,831 34,428 34,477 35,427 36,092 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Cash loans Other loans to individual customers* FX mortgage PLN mortgage 43,654 45,041 46,867 47,853 49,812 7,491 7,590 7,482 7,495 7,4396,295 6,283 6,261 6,239 6,173170 218 185 358 40657,611 59,131 60,794 61,945 63,831 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Public sector Leasing Farmers Enterprises +6.7% y/y +1.9% q/q +10.8% y/y 3.0% q/q • Increase in the PLN mortgage portfolio: +0.8% q/q (+6.1% y/y). Share of CHF mortgages in total mortgage portfolio: 0.9%, in the gross loan portfolio: 0.2%. • The share of mortgages in loans to Individual Customers: 60.6% (-0.6 pp q/q, -0.7 pp y/y). • Increase in the cash loan portfolio: +1.8% q/q (-0.2% 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: +4.1% q/q (+14.1% y/y) and to the public sector: +13.3% q/q (+138.4% y/y). Negative dynamics of the lease portfolio: -1.1% q/q (-1.9% y/y) and individual farmers portfolio: -0.7% q/q (-0.7% y/y) • Shares in loans to Institutional Customers at the end of Q3 2026: • loans to enterprises: 78.0% (+0.8 pp q/q, +2.3 pp y/y), • Individual farmers: 11.7% (-0.4 pp q/q, -1.3 pp y/y), • leasing: 9.7% (-0.4 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 82,268 94,196 90,442 94,290 96,233 44,472 45,326 44,831 40,942 42,958 1,312 1,366 1,306 1,325 1,525128,052 140,888 136,579 136,557 140,716 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Other liabilities Term deposits Current accounts 56,538 59,183 59,656 58,208 59,899 63,955 73,512 68,311 69,402 71,319 3,964 3,769 4,511 5,046 5,336 3,596 4,425 4,101 3,901 4,163128,052 140,888 136,579 136,557 140,716 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Farmers Public sector Enterprises Individual Customers 69.5% 64.7% 68.0% 69.5% 69.2% net loans / deposits +9.9% y/y +3.0% q/q +9.9% y/y +3.0% q/q In Q3 2026 an increase in deposits was recorded from: • enterprises by 2.8% q/q (+11.5% y/y), • Individual Customers by 2.9% q/q (+5.9% y/y), • public sector by 5.7% q/q (+34.6% y/y), • farmers by 6.7% q/q (+15.8% y/y). Term structure of deposits and by Customer segment • The share of Customers’ term deposits in total deposits at the end of Q3 2026: 30.5% (+0.5 pp q/q, -4.2 pp y/y). • Quarterly increase in term deposits by PLN 2,015 million (+4.9%) and current accounts by PLN 1,943 million (+2.1%). • Current deposits - increase for both Individual and Institutional Consumers by PLN 1,235 million (+3.3% q/q) and PLN 708 million (+1.2% q/q), respectively. • Term deposits - increase for both Institutional and Individual Consumers by PLN 1,563 million (+7.6% q/q) and PLN 453 million (+2.2% q/q), respectively.
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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 64.2% 66.9% 66.2% 69.0% 68.4% 34.7% 32.2% 32.8% 30.0% 30.5% 1.0% 1.0% 1.0% 1.0% 1.1% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Current accounts Term deposits Other liabilities 59.9% 59.2% 59.5% 58.5% 60.8% 0.6% 0.4% 0.6% 0.6% 0.6% 39.6% 40.4% 39.9% 40.8% 38.5% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 Securities measured at amortised cost Securities measured at FV through P&L Securities measured at FV through OCI +3.0% q/q +9.9% y/y -1.4% q/q +4.5% y/y 237.1 292.8 246.1 237.8 243.8 0 500 60,559 61,141 62,701 64,213 63,314 35.9% 33.8% 35.4% 35.5% 34.5% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 128,052 140,888 136,579 136,557 140,716 76.0% 78.0% 77.0% 75.5% 76.8% 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 159.9 167.0 163.5 159.3 159.2 0 500 NSFR [%]x
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43A P P E N D I C E S Net banking income [PLN million] Q 3 20 26 Q 3 20 25 c hange Net interest income 1,560 1,457 7.1% Net fee and commission income 319 289 10.6% Net trading income 210 226 (7.2%) Net investment income 9 (0) - Dividends 6 5 13.2% Hedging accounting 5 1 446.0% Result on derecognition of financial assets measured at amortised cost (6) (13) (56.3%) Other operating income and expenses (18) (10) 83.1% Net banking income 2,086 1,955 6.7% Lack of comparable one-offs in the trading income on a cumulative basis. Improvement of interest and commission income on a quarterly basis [PLN million] 9M 20 26 9M 20 25 c hange Net interest income 4,471 4,424 1.0% Net fee and commission income 987 944 4.5% Net trading income 626 829 (24.5%) Net investment income 13 (3) - Dividends 10 10 4.9% Hedging accounting 13 (2) - Result on derecognition of financial assets measured at amortised cost (9) (14) (33.6%) Other operating income and expenses (35) (21) 65.0% Net banking income 6,075 6,167 (1.5%) • Y/Y increase in net interest income was due to optimization of Customer deposit costs, an improvement in the result from hedging accounting and in the result from placing liquidity surpluses. • Higher y/y net fee and commission income due to the increase in fees: for asset management and brokerage operations, M&A consulting (in other fees), guarantees, and in the area of 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 2025. • Increase in net interest income q/q was due to optimization of Customer deposit costs, an improvement in the result from hedging accounting and in the result from placing liquidity surpluses. • Higher net fee and commission income q/q mainly due to an increase in asset management and brokerage operation fees, insurance, loan and guarantees fees and in the area of payments and e-banking. • Increase in net trading income q/q due to the lower result in the area of asset and liability management (FX swaps).
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44A P P E N D I C E S Consolidated P&L PLN thous. Profit and loss account 30.09.2026 30.09.2025 Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 Interest income 6,946,229 7,456,138 2,403,322 2,262,694 2,280,213 2,416,776 2,450,195 Interest expenses (2,475,527) (3,031,878) (843,041) (798,087) (834,399) (948,952) (993,602) Net interest income 4,470,702 4,424,260 1,560,281 1,464,607 1,445,814 1,467,824 1,456,593 Fee and commission income 1,182,007 1,137,808 387,292 416,254 378,461 381,957 356,638 Fee and commission expenses (195,069) (193,663) (68,042) (63,230) (63,797) (64,633) (68,104) Net fee and commission income 986,938 944,145 319,250 353,024 314,664 317,324 288,534 Dividend income 10,088 9,614 5,913 3,814 361 158 5,225 Net trading income 625,511 828,762 209,555 210,622 205,334 248,015 225,761 Net investment income 12,762 (3,013) 8,721 2,872 1,169 673 (43) Result on hedge accounting 13,320 (1,882) 5,171 (6,347) 14,496 (9,279) 947 Result on derecognition of financial assets measured at amortised cost (9,140) (13,772) (5,591) (1,659) (1,890) (5,926) (12,786) Other operating income 254,487 162,132 67,616 110,736 76,135 63,845 47,216 Net allowances on expected credit losses of financial assets and provisions for contingent liabilities (197,264) (105,778) (54,255) (80,516) (62,493) (68,721) (96,774) Result on legal risk related to foreign currency loans (202,206) (379,554) (52,552) (41,418) (108,236) (119,197) (65,291) General administrative expenses (2,335,870) (2,175,760) (704,856) (699,236) (931,778) (663,825) (668,834) Depreciation (388,019) (386,894) (130,774) (129,127) (128,118) (142,188) (131,140) Other operating expenses (289,589) (268,693) (85,133) (112,429) (92,027) (64,509) (56,782) Operating result 2,951,720 3,118,851 1,143,346 1,074,943 733,431 1,024,194 992,626 Tax on financial institution (295,021) (292,264) (98,137) (95,535) (101,349) (101,088) (95,493) Gross profit (loss) 2,656,699 2,826,587 1,045,209 979,408 632,082 923,106 897,133 Income tax (992,435) (655,792) (356,111) (379,586) (256,738) (36,147) (201,632) NET PROFIT (LOSS) 1,664,264 2,170,795 689,098 599,822 375,344 886,959 695,501
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45A P P E N D I C E S Assets PLN thous. Consolidated statements of financial position 30.09.2026 30.06.2026 31.03.2026 31.12.2025 30.09.2025 ASSETS Cash and balances with the Central Bank 7,800,123 9,558,086 10,372,394 10,224,866 6,916,304 Amounts due from banks 8,403,584 6,554,410 5,347,040 11,616,566 5,946,747 Derivative financial instruments 2,043,725 1,696,902 2,038,233 2,359,460 2,182,999 Adjustment of fair value of the hedging and hedged item 704,411 373,008 210,859 345,550 250,869 Loans and advances to customers valued at amortised cost 97,053,655 94,701,829 92,562,286 90,887,678 88,655,668 Loans and advances to customers valued at fair value through P&L 389,804 219,807 247,814 286,183 324,021 Securities valued at amortised cost 38,515,849 37,590,362 37,302,631 36,180,626 36,249,896 Securities valued at fair value through P&L 403,067 405,669 396,583 240,949 350,337 Securities valued at fair value through the other comprehensive income 24,394,664 26,217,449 25,001,433 24,719,802 23,959,004 Intangible assets 910,086 906,775 915,106 964,459 917,253 Property, plant and equipment 858,926 889,008 907,624 947,992 893,070 Deferred income tax assets 841,070 813,309 899,097 898,673 714,230 Current income tax assets 6,007 2,128 3,601 920 71 Other assets 931,654 935,020 1,140,271 1,051,540 1,198,328 TOTAL ASSETS 183,256,625 180,863,762 177,344,972 180,725,264 168,558,797
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46A P P E N D I C E S Liabilities and equity PLN thous. Consolidated statements of financial position 30.09.2026 30.06.2026 31.03.2026 31.12.2025 30.09.2025 LIABILITIES Amounts due to the Central Bank - - - - - Amounts due to other banks 10,857,843 10,044,641 10,189,219 10,145,231 10,680,231 Adjustment of fair value of the hedging and hedged item 13,670 293,864 152,692 320,087 247,513 Derivative financial instruments 2,036,567 1,748,775 1,962,498 2,276,575 2,154,992 Amounts due to customers 141,485,710 141,437,258 136,578,858 141,338,836 129,705,242 Liabilities under issued debt securities (including subordinated issues) 4,468,535 4,350,263 4,330,457 4,226,368 692,327 Subordinated liabilities - - - - 2,720,740 Leasing liabilities 519,422 542,688 545,760 553,436 564,095 Other liabilities 3,937,605 3,159,498 3,392,194 2,048,795 3,004,132 Current income tax liabilities 237,511 149,832 250,569 177,971 120,111 Provisions 2,032,393 2,070,849 2,067,893 2,039,657 2,068,123 TOTAL LIABILITIES 165,589,256 163,797,668 159,470,140 163,126,956 151,957,506 EQUITY Share capital 147,949 147,949 147,880 147,880 147,880 Supplementary capital 9,180,883 9,180,883 9,180,883 9,180,883 9,180,883 Other reserve capital 6,153,902 6,162,395 4,663,813 4,672,514 4,683,609 Capital bonds 650,000 650,000 650,000 650,000 650,000 Revaluation reserve (244,521) (165,191) (273,916) (183,796) (304,949) Retained earnings 1,779,156 1,090,058 3,506,172 3,130,827 2,243,868 retained profit 114,892 114,892 3,130,828 73,073 73,073 net profit for the period 1,664,264 975,166 375,344 3,057,754 2,170,795 TOTAL EQUITY 17,667,369 17,066,094 17,874,832 17,598,308 16,601,291 TOTAL LIABILITIES AND EQUITY 183,256,625 180,863,762 177,344,972 180,725,264 168,558,797
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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