Slides
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• • • 40 50 60 70 80 90 100 110 120 130 140 150 Sep/19 Sep/20 Sep/21 Sep/22 Sep/23 Sep/24 Sep/25 index 2021=100, sa Capital goods Non-durable consumer goods Durable consumer goods Intermediate goods Industrial production -10 -5 0 5 10 15 20 Sep/19 Sep/21 Sep/23 Sep/25 Mortgage loans (PLN) Consumer loans Corporate loans %, y/y PKO BP Forecast
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1 +7,1%
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Market share according to NBP
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Syndicated loan ca. PLN 3,263,000,000 ca. EUR 63,000,000 Original Lender, Arranger Bilateral loan to refinance the construction of a 30 MW wind farm in Warblewo PLN 238,000,000 Arrenger, Original Lender Increase in syndicated loan by: PLN 230,000,000 Arrenger, Lender Syndicated loan for financing/refinancing the costs of building the Drzeżewo wind farm PLN 952,900,000 Including PKO BP PLN 316,900,000 Original Lender Corporate bond issue PLN 1,000,000,000 Co-organizer, Dealer, Issue Agent, Documentation Agent Two investment loans with a total amount of PLN 82,094,119 Syndicated loan for financing, among others, acquisitions, investment and working capital needs in the amount of: ca. PLN 350,000,0000 including PKO BP ca. PLN 120,000,000 Original Lender Syndicated loan to finance a portfolio of biogas plants PLN 217,000,000 Lender, Loan Agent, Security Agent Investor and working capital loan for the total amount of: PLN 159,000,000 Investor Loan PLN 112,000,000 Investment loan, working capital loan, factoring and leasing with a total financing value exceeding: PLN 220,000,000 Syndicated loan for CHM1, CHM2 and Polcom Investment VI to refinance Varso Place EUR 85,500,000 Original Lender Strategic cooperation agreement with the Polish Armaments Group S.A. (PGZ), under which the bank will provide comprehensive financial support to PGZ and its subsidiaries Syndicated loan PLN 520,000,000 Lender
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Financial results for 3 quarters 2025
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20 351 22 535 557 428 -488 9M24 9M25 • •
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2 3 750 500 732 500 750 818 2026 2027 2028 2030 2029 - 2033 750 500 732 500 750399 239 349 469 2027 2028 2029 2031 2034 2035 3
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580,6 605,4 615,1 638,5 659,7
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first 5 years 3.625%; floating, EURIBOR 3M + 1.42% first 2 years and 5M - 3.375% floating, EURIBOR 3M + 1.05% first 2 years - 3.875% floating, EURIBOR 3M + 1.40% first 4 years - 4.50% floating, EURIBOR 3M + 1.55% first 3 years - 4.50% floating, EURIBOR 3M + 1.60% Senior non preferred 28.02.2024 28.02.2029 28.02.2028 28.08.2028 PLN 1.0 bn floating, WIBOR 6M + 1.59% Subordinated bonds Tier 2 05.03.2018 06.03.2028 06.03.2023 PLN 1.0 bn floating, WIBOR6M + 1.50% Subordinated bonds Tier 2 28.08.2017 28.08.2027 28.08.2022 PLN 1.7 bn floating, WIBOR6M + 1.55% Senior non preferred Green bonds EUR 0.5 bn PLN 1.5 bn EUR 0.5 mn EUR 0,5 n 30.06.2025 30.06.2031 30.06.2030 floating, WIBOR6M + 2.20% EUR 0.75 bn Senior non preferred 27.03.2024 27.03.2028 27.03.2027 Senior non preferred 18.06.2024 18.06.2029 18.06.2028 Senior preferred 16.01.2025 16.06.2028 16.06.2027 EUR 0.75 bn Subordinated capital bonds Tier 2 16.10.2024 16.10.2034 16.10.2029, 16.10.2030, 16.10.2031, 16.10.2032, 16.10.2033 Senior non preferred Green bonds 12.09.2024 12.09.2027 12.09.2026 floating, WIBOR6M + 1.75%Subordinated capital bonds Tier 2 24.09.2025 24.09.2035 16.10.2029 16.10.2030 16.10.2031 18.10.2032 17.10.2033 PLN 2.0 bn
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1 Excl. municipal and corporate securities
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1 The number of mobile banking users who log into the bank from their mobile device at least once a month Current accounts ('000) 9 422 9 460 9 499 9 581 9 705 +3,0% +1,3% Banking cards ('000) 10 836 10 753 10 819 10 861 10 971 +1,2% +1,0% of which: credit cards 937 934 937 948 955 +1,9% +0,8% Active mobile banking applications IKO ('000) 8 169 8 318 8 449 8 578 8 816 +7,9% +2,8% Active mobile banking users ('000) 1 6 192 6 275 6 407 6 461 6 593 +6,5% +2,0% Number of corporate customers with access to e-banking (000) 23,6 24,0 24,3 24,6 23,2 -1,7% -5,7% Number of companies customers with access to e-banking (000) 72,6 73,3 74,4 75,3 76,2 +5,0% +1,2% Branches: 944 944 945 945 945 +0,1% 0,0% - retail 899 899 898 898 898 -0,1% 0,0% - corporate 45 45 47 47 47 +4,4% 0,0% Agencies 270 249 243 243 232 -14,1% -4,5% ATMs 3 066 3 068 3 076 3 090 3 075 +0,3% -0,5% Number of customers ('000) 12 093 12 133 12 214 12 290 12 417 +2,7% +1,0% - retail 11 444 11 480 11 552 11 620 11 738 +2,6% +1,0% - corporate 32 33 33 33 33 +2,2% +0,4% - companies 617 621 629 637 646 +4,7% +1,5% Employment eop (FTEs '000) Group 25,7 25,8 25,8 26,0 26,0 +1,2% -0,0% Number of operations performed by robots (in '000) 26 784 27 448 26 771 28 753 29 831 +11,4% +3,7% Sep-24 Jun-25PKO BANK POLSKI OPERATING DATA (EOP) Sep-25 y/y q/qMar-25Dec-24
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1 Bonds issued by PFR, BGK and EIB were excluded from the volume of corporate bonds 2 Including the volume of retail customers bonds
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• • • • Climate scoring
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Dariusz Choryło Świętokrzyska 36 Str. 00-116 Warsaw tel: +48 604 050 796 e-mail: dariusz.chorylo@pkobp.pl e-mail: ir@pkobp.pl
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