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ERSTE BANK POLSKA GROUP H1 26 results presentation Warszawa, 30 July 2026 Michał Gajewski, CEO, Erste Bank Polska Maciej Reluga, Vice President of the Management Board, Erste Bank Polska Bernhard Leder, CFO, Erste Bank Polska a
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DISCLAIMER 2 1. This presentation may contain forward-looking statements including, without limitation, statements concerning future business development and financial performance. These forward-looking statements: ▪ represent our judgment and future expectations concerning the development of our business; ▪ a number of risks and other important factors could cause actual results to differ materially from our expectations; ▪ speak only as of the date of this document and are based on the knowledge, information available and views taken on such date; such knowledge, information and views may change at any time; ▪ the Bank does not update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. 2. The information contained in this presentation must be read in conjunction with other publicly available information, including current and periodic reports published by the Bank, and interpreted accordingly. 3. This presentation gives no recommendation to buy, sell or otherwise deal in shares of Erste Bank Polska S.A. or in other securities or investments. 4. Neither this document nor any of the information contained herein constitutes an offer to sell or the solicitation of an offer to buy any securities. 5. Any person acquiring securities must do so: ▪ on the basis of such person’s own judgement as to the merits or the suitability of the securities for their purpose; ▪ only on the basis of publicly available information; ▪ having taken all such professional or other advice as considers necessary or appropriate in the circumstances; ▪ and not in reliance on the information contained in this presentation. 6. Nothing in this presentation shall be construed as a profit forecast. Statements as to historical performance or financial accretion are not intended to mean that future performance, share price or future earnings (including earnings per share) for any period will necessarily match or exceed those of any prior period.
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3 1. Executive Summary 2. Financial performance 3. Attachments Agenda
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4 RESULTS SUMMARY H1 2026 General operational data Key volumes Erste Bank Polska Group Branches 305* Employment 10.2k Customers 6.1m Digital Customers 4.1m PLNbn YoY Market share Gross loans 177 8% 11.1% Deposits 246 11% 10.3% Customer funds 279 13% Assets 323 3% * The number of branches does not include 6 Erste Zones (acquisition stands) and 160 partner outlets.
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PLNm YoY Net interest income 6 164 -3% Net F & C 1 539 +5% Total Income 8 052 +1% Total Costs 3 028 +22% Gross profit 3 727 -10% Net profit 2 201 -29% Capital position TCR 19.43% TIER 1 19.17% Performance ROE 19.0% ROA 1.8% Liquidity Group L/D 70.1% Bank L/D 68.2% Group LCR 195.5% 5 RESULTS SUMMARY H1 2026 Key financial results Erste Bank Polska Group Strong Capital position significantly above the KNF requirements Excellent liquidity position Financial ratios Attractive shareholder return PLN m
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6 RESULTS SUMMARY H1 2026 Customers in numbers 117m mobile banking transactions in Q2 2026 3.2m mobile customers 3.6m digital customers 5.5m customers +1% YoY +5% YoY +8% YoY +12% YoY Retail customers 3.9m mobile banking transactions in Q2 2026 309k mobile customers 443k digital customers 609k customers +11% YoY +10% YoY +21% YoY +20% YoY SME customers 480k Platinum customers +15% YoY 7.3k Mobile customers 21.9k Digital customers 28.0k customers 0.2% YoY -1% YoY +12% YoY Corporate customers
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7 RESULTS SUMMARY H1 2026 Selected business data Retail customers SME Customers Strong growth in customer acquisition. Record-high consumer loan sales, both overall and through self-service channels. Accelerated growth in mortgage loan sales. Record acquisition of customers with the highest activity metrics. Record growth in business current accounts. Strong increase in new lending through self-service channels. Continued growth of the deposit base. 4.9m +17% Y oY Customers acquisition in H1 2026 New mortgage loans net in H1 2026 PLN 6.7bnPLN 8.1bn New cash loans in H1 2026 Personal accounts portfolio 30.06.2026 +22% Y oY+64% Y oY New SME loans in H1 2026 New business accounts in H1 2026 New E2E digital loans in H1 2026 x5 Y oY +14% Y oY Deposit balance 30.06.2026 BCB customers Strong results in sales of credit facilities. Credit and deposit volumes growing YoY. Growth in Customer activity in digital channels. Growing volume of green financing. +8% Y oY +12% Y oY +11% Y oY +8%Y oY Loans volumes Credit limits Number of mobile clients Income on eFX platform CIB Customers Strong growth and increased client activity. Recognized by Euromoney with the title of “Best Investment Bank in Poland 2026.” Ranked 1st in the latest Treasury Securities Dealers ranking published by the Ministry of Finance for Q2 2026. +37% Y oY Income from market making +25% Y oY Income from cooperation with Financial Institutions +143% Y oY Income from M&A +144% Y oY Income from Debt Capital Markets
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8 Agenda 1. Executive Summary 2. Financial performance 3. Attachments
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77 268 78 671 79 744 80 131 81 737 86 048 86 151 89 279 91 839 95 020 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 Personal Business 9 FINANCIAL PERFORMANCE H1 2026 Gross loans ◼ The loan portfolio increased by 8% YoY and +3%QoQ. ◼ New mortgage loans in Q2 2026: +71% vs. Q2 2025; ◼ New cash loans in Q2 2026: +35% vs. Q2 2025. ◼ CHF mortgage loans: -83% YoY ◼ SME loans (including leasing and factoring): +4% YoY and +2% QoQ and BCB loans (including Leasing and Factoring): +8% YoY and +1% QoQ ◼ CIB loans (including leasing and factoring): +24% YoY and +10% QoQ. Total PLN 177bn Gross loans - structureGross loans 164 822 176 757169 023163 315 171 969 PLN m +8% 32% 13% 15% 29% 11% Mortgage loans Non-mortgage personal loans CIB BCB SME 30.06.2026 31.12.2025 30.06.2025 YoY (%) QoQ (%) Inviduals 81 737 79 744 77 268 6% 2% Mortgage 57 592 56 716 55 151 4% 2% Other Personal 24 145 23 027 22 117 9% 2% Business 95 020 89 279 86 048 10% 3% Total gross loans 176 757 169 023 163 315 8% 3%
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13% 40% 13% 29% 5% Personal term deposits Personal current deposits Business term deposits Business current deposits Other 10 FINANCIAL PERFORMANCE H1 2026 Customer funds Deposits- structureDeposits ◼ Total deposits +11% YoY and +8% QoQ. ◼ Deposits from individual customers increased by 4% YoY and by 1% QoQ. Current deposits +4% QoQ and term deposits -8% QoQ. ◼ Corporate deposits increased by 21% YoY and by 16% in Q2. Term deposits +46% QoQ and current deposits +6% QoQ. ◼ Term deposits accounted for 27.8% of total deposits (26.3% at the end of Q2 2025). ◼ Investment funds reached PLN 32.9bn at the end of June: +24% YoY and +7% QoQ. ◼ The Group's total customer funds at the end of June 2026 amounted to PLN 279bn +13% YoY and +8% QoQ. Total PLN 246bn 220 947 246 155230 143221 040 228 069 +11% PLN m 30.06.2026 31.12.2025 30.06.2025 YoY (%) QoQ (%) Demand 119 701 119 808 111 334 8% 4% Savings 57 685 47 795 51 011 13% 6% Time 68 769 62 540 58 695 17% 17% Total 246 155 230 143 221 040 11% 8% Funds under management 32 887 30 899 26 506 24% 7% Total customer funds 279 042 261 041 247 547 13% 8% 124 864 122 540 123 689 128 908 130 186 96 176 98 407 106 453 99 161 115 969 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 Personal Business
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3 178 3 195 3 154 3 063 3 102 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 11 FINANCIAL PERFORMANCE H1 2026 Net interest income and net interest margin ◼ In the first half of 2026, interest income amounted to PLN 6.2bn, falling by 3% year on year. In Q2 2026 alone, it rose by 1% compared to the previous quarter. The annual dynamics were influenced by cuts in the reference rate and the inclusion of a negative adjustment to interest income related to the CJEU ruling on non-interest costs finance from a loan of PLN 71.2m. ◼ Interest income fell 9% YoY, while interest expenses were reduced by 26% YoY. On a quarterly basis, interest income fell 1% QoQ, and interest expenses decreased by 7% QoQ. ◼ The net interest margin in Q2 2026 was 4.39%. The comparable quarterly net interest margin, adjusted for the impact of the negative adjustment related to the CJEU ruling, was 4.49% in Q2 2026. Net interest income Net interest margin* PLN m * The calculation of the net interest margin of Santander Bank Polska S.A. includes the allocation of swap points from derivative instruments used for liquidity management b ut excludes interest income from the portfolio of debt securities held for trading and other trading exposures. The comparable quarterly net interest margin, adjusted for the impact of the negative adjustment related to the CJEU ruling, was 4.49% in Q2 2026. 4.89% 4.88% 4.64% 4.53% 4.39% 4.49% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 NIM NIM*
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100 96 88 101 90 326 335 324 335 305 142 125 167 146 171 147 135 146 165 170 29 35 27 25 31 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Cards Transactional Loan + Insurance Capital market fees Other 12 Net fee and commission income ◼ In H1 2026, net fee and commission income amounted to PLN 1.5bn, increasing by 5% YoY. ◼ In Q2 2026 net fee income slightly decreased by 1% vs. previous quarter and increased by 3% vs. Q2 2025. ◼ In H1 2026, strong results were achieved in asset management fees (30% YoY), brokerage fees (+11% YoY), loan fees (+13% YoY), foreign exchange fees (+6% YoY), and guarantee fees (+32% YoY). ◼ Quarterly i.e. vs. Q1 2026, strong results were achieved in credit fees (+11% QoQ), FX fees (+5% QoQ), asset management fees (+10% QoQ) and insurance fees (+23% QoQ). FINANCIAL PERFORMANCE H1 2026 725 768752744 772 Net fee income PLN m H1 2026 H1 2025 YoY (%) QoQ (%) Cards 191 198 -3% -11% Customers 640 645 -1% -9% Loans and Insurance 316 286 10% 17% Capital markets 335 275 22% 4% Other 56 67 -17% 24% Total 1 539 1 472 5% -1%
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3 178 3 195 3 154 3 063 3 102 744 725 752 772 768 132 78 108 161 188 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Net Interest Income Fees Other 13 FINANCIAL PERFORMANCE H1 2026 Total income ◼ The Group's total income in H1 2026 amounted to PLN 8bn, an increase of 1% YoY. Quarterly income was up by 2%. ◼ Interest income decreased by 3% YoY and net fee and commission income increased by 5% YoY. ◼ NII impacted by cuts in interest rates. ◼ Income from other operations increased by 89% YoY and by 17% QoQ. The YoY increase was driven by higher profits from financing activities and higher dividend income in Q2 2026. The bank received a dividend from PSP SA amounting to PLN 40m. ◼ Trading result and revaluation increased by 87% YoY to PLN 254m (PLN136m in H1 2025), mainly thanks to the increase in the result on derivative financial instruments. 3 998 4 0574 0144 054 3 995 Total income PLN m H1 2026 H1 2025 YoY (%) QoQ (%) Net interest income 6 164 6 354 -3% 1% Net fee and commission income 1 539 1 472 5% -1% Total 7 703 7 826 -2% 1% Gains/losses on financial operations 253 137 85% -21% Dividends 57 13 353% - Other 39 36 11% 3% Total income 8 053 8 011 1% 2%
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551 589 648 590 596 361 334 348 466 56732 35 32 446 10 145 151 159 128 135 21 22 63 55 35 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Other Costs Amortisation Regulatory Costs Administrative Expenses ex. Regulatory 14 FINANCIAL PERFORMANCE H1 2026 Operating expenses ◼ Total costs in H1 2026 amounted to PLN 3bn, an increase of 22% YoY. ◼ In 2026, contributions to the Bank Guarantee Fund (BFG) increased to PLN 436m (resolution fund) in H1 2026 vs. PLN 313m in H1 2025 (resolution fund PLN 272m and deposit fund: PLN 42m). ◼ In H1 2026, integration costs amounted to PLN 107m, of which administrative PLN 105m and amortization PLN 2m; (in Q1 2026 integration costs: PLN 25m, of which administrative PLN 24m and amortization PLN 1m; in Q2 integration costs: PLN 83m – administrative PLN 82m and PLN 1m amortization). ◼ Rebranding costs in H1 amounted to PLN 175m (PLN 67m in Q1 and PLN 108m in Q2). ◼ Excluding integration, rebranding and BFG costs, total costs increased by 6.8% YoY. ◼ On a quarterly basis, excluding integration, rebranding and BFG costs, total costs decreased by 0.5% QoQ compared to Q1 2026. ◼ The Group's C/I ratio was 37.6% in the first half of 2026 compared to 30.9% in the first half of 2025. The comparable C/I ratio was 28.7% (excluding integration, rebranding and BFG costs) versus 27.0% in the first half of 2025. Operating expenses 1 131 1 343 1 249 1 110 1 685 PLN m H1 2026 H1 2025 YoY (%) QoQ (%) General and administrative expenses (2 676) (2 140) 25% -22% Staff costs (1 185) (1 092) 9% 1% Administration costs (1 490) (1 048) 42% -37% Depreciation + Other (352) (336) 5% -7% Total expenses (3 028) (2 477) 22% -20%
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15 FINANCIAL PERFORMANCE H1 2026 Credit risk provisions and credit portfolio quality 123 196 146 144 106 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Cost of credit riskNet provisions NPL ratio 0.33% 0.33% 0.37% 0.37% 0.35% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 3.9% 4.0% 3.7% 3.6% 3.6% 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 45.3% 46.2% 46.3% 45.8% 45.4% 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 NPL coverage ratio NPL sales Impact of NPL sales on PBT 194 98 169 164 180 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 43 29 23 53 65 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 PLN m
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16 FINANCIAL PERFORMANCE H1 2026 Results in H1 2026 Results in H1 2026* ◼ Profit before tax in H1 2026 amounted to PLN 3.7bn, and PAT to PLN 2.2bn. ◼ After excluding integration, rebranding, and BFG costs, the comparable PBT emained at a stable level YoY up by 0.2%. ◼ In Q2 2026, PBT amounted to PLN 1.9bn and increased by 5% QoQ compared to the previous quarter, while PAT of PLN 1.2bn was 14% higher vs. Q1 2026. ◼ In the half-year, net interest income decreased by 3%, while net fee income increased by 5% YoY. In Q2 alone, net interest income rose by 1% vs. Q1 2026. ◼ Total income higher than a year earlier, driven by strong non-interest results. ◼ Costs significantly impacted by BGF, integration and rebranding. ◼ Cost of credit risk remains at a low level. ◼ Effective tax rate impacted by the increase in the CIT rate for banks to 30% (from 19%), regulatory costs, and legal risk costs of the FX mortgage loan portfolio. In Q2 2026, the effective tax rate was 37.3%. PLN m H1 2026 H1 2025 YoY Net interest and fee income 7 703 7 826 -2% Income 8 052 8 011 1% Costs -3 028 -2 477 22% Credit impairment allowances -250 -243 3% Cost of legal risk associated with foreign currency mortgage loans -692 -818 -15% Tax on financial institutions -416 -410 1% PBT 3 727 4 120 -10% CIT -1 480 -1 008 47% Profit of SBP shareholders 2 201 3 079 -29% Profit of non-controlling interests 47 96 -52% Effective tax rate 39,7% 24,5% * Data for 2025 regard continued operations.
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17 Agenda 1. Executive Summary 2. Financial performance 3. Attachments
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18 Our communication Digital & Social Media ActivitiesCampaigns targeted at the Mass segment Campaigns Targeting the SME Segment KOMUNIKACJA MARKETINGOWA In the first half of 2026, we completed our rebranding. Marketing activities focused on building awareness of the new Erste brand, with “Believe in Yourself” serving as the key message of our brand communications. Over the past six months, we delivered four campaigns: ▪ Transition Campaign – in March, we launched communications introducing the Erste brand to the Polish market. These brand- awareness activities prepared customers for the upcoming rebranding through TV, digital, and social media channels. ▪ Brand Campaign - on April 27, we launched the first fully integrated 360° brand campaign for Erste Bank Polska. ▪ Pro Savings Account Product Campaign - from May 18 to June 25, we promoted the “Activity That Pays Off” campaign across TV, digital, and social media. The campaign highlighted a promotional interest rate of 4.5% per annum on all funds up to PLN 100,000. ▪ FX Product Campaign – On June 29, we also launched a nationwide campaign across TV, digital, and social media dedicated to the unique “Currencies Without Borders” package. The campaign's main message was: “Say goodbye to fees before your holiday trip.” Our brand awareness metrics continue to grow steadily. Today, 32% of Poles recognize the Erste brand spontaneously, which is a significant achievement after just 10 weeks of campaigning. At this stage, nearly one in two Poles has been exposed to Erste brand communications across various channels. • “A Lighter Start for Your Business with Erste” was the first major campaign aimed at entrepreneurs following the rebranding. At Erste, we demonstrate that the early stages of running a business can be easier with the support of our experts and a dedicated package of products and services, including a business account offering a bonus of up to PLN 4,500. • Erste Vienna Express marked the next stage of the bank’s rebranding journey. We organized a competition in which the prize was a unique journey aboard our specially branded train packed with attractions and experiences. The campaign stood out in the market thanks to its distinctive concept and generated strong recognition, leaving a lasting impression on both customers and industry professionals. Our social media presence currently spans seven profiles across five platforms: Facebook, Instagram, TikTok, YouTube, and LinkedIn. Together, these channels reached approximately 560,000 followers and generated around 18 million impressions over the past six months. We delivered supporting campaigns focused on: • Engagement-Building Campaigns – These activities enabled us to consistently grow and strengthen our online communities across the bank’s social media channels. • Creating the Bank’s First Influencer – tuKarbo, who runs his own TikTok channel and has become a natural ambassador for the brand. Marcin, who works as a Customer Relationship Expert at the Work Cafe in Gdańsk, plays a key role in building awareness of the new brand and shaping its archetypes. Several videos from his channel have gone viral on TikTok. One of them achieved 350,000 views and 17,000 engagements organically, without any paid promotion. • Industry Recognition - we were awarded 3rd place in the prestigious Złoty Bankier competition in the Social Media category, receiving recognition: “For an excellent strategy and an outstanding submission that demonstrated a highly mature approach to brand communication in social media.” • We also launched ongoing social media communications dedicated to the SME segment. Through a consistent brand presence on social media, we aim to strengthen awareness and recognition of the segment while building long-term engagement with entrepreneurs and small business owners. Campaigns Targeting the Y oung Segment • “You've Got That Glow” Campaign – In May, we launched a campaign promoting the new design of our cat-themed debit card for teenagers. As part of the campaign, we created a hip-hop track in collaboration with the young rapper Zuziula. The campaign was supported through digital and social media channels. • Parent-Focused Campaign: “Believe in Yourself and Your Child”- In June, we began promoting our children's account, which includes PLN 300 pocket money to get started, along with a new card design featuring Sejfuś, our local brand character for children.
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19 Our People Learning & Development • We continue to implement a comprehensive leadership transformation agenda, combining development programs and tools designed to strengthen leadership capabilities across the organization. As part of these efforts, we continued a dedicated program for managers focused on the role of artificial intelligence in leadership. Workshops held in the format of Oxford-style debates demonstrated how diverse perspectives and the exchange of experiences can help leaders develop more flexible thinking and make better-informed decisions. • We also launched a new opportunity for employees to learn foreign languages through a modern AI-powered learning platform. The solution supports language development through personalized learning journeys tailored to individual proficiency levels, learning goals, and user needs, enabling more effective and engaging skill development. Organisational Culture ▪ In the first half of 2026, the bank’s rebranding process was completed. Business continuity of key HR systems and processes was maintained, together with a consistent and positive employee and candidate experience, while strengthening trust in the new employer brand. ▪ The Ambassador Program was launched to support brand awareness and broaden communication reach by engaging employees in employer branding activities and social media advocacy. ▪ Educational initiatives promoting and strengthening an inclusive organizational culture continued, in line with market best practice and Group standards. These initiatives foster a safe and open working environment and enhance employee engagement ▪ Erste Bank Polska received the following certifications and recognitions: Top Employer Poland 2026, Top Employer Europe 2026, Great Place to Work® Best Workplaces Poland 2026, Diversity in Check 2026 (Responsible Business Forum), and Equal Company 2025 (Forbes Women). Employee Experience ▪ In Q1 2026, we conducted a Pulse Check survey as part of our ongoing effort to monitor employee sentiment and experience throughout the transformation and integration with Erste Group. ▪ We also updated the Employee Recognition Journey Map, providing valuable insights that translated into targeted initiatives aimed at strengthening our culture of recognition and supporting employee engagement and motivation. ▪ In Q2 2026, we carried out our regular Employee Engagement Survey. The survey, conducted in May 2026, had a very high response rate, demonstrating employees’ strong willingness to engage in dialogue with the organization. Key experience indicators remained strong, including employer recommendation, overall job satisfaction, loyalty, and employee advocacy, reflecting a high level of readiness among employees to recommend the bank’s products and services. The Employee Net Promoter Score (eNPS) remained at a high level compared with market and industry benchmarks, confirming the bank’s strong position as an attractive and engaging employer. Health & Safety and Wellbeing ▪ In the first half of the year, we organized initiatives aimed at fostering a culture of health and safety within the organization: World Depression Day, World Cancer Day, Be Healthy Days, a Health, Safety & Wellbeing zone during the Sports Tournament in Puławy, preventive measures for eye care, and Interest Clubs Day. The activities carried out included webinars, articles, infographics, preventive eye exams, ultrasounds, dermatoscopic examinations, and knowledge contests. The Interest Clubs were actively involved in organizing these initiatives. ▪ We organized the “Erste Pomaga” campaign, which aimed to encourage employees to engage in regular physical activity and adopt healthy habits, foster a spirit of cooperation within our bank, and simultaneously support charitable causes through physical activity. ▪ In June, we published an industry report titled “Modern Occupational Health and Safety in Office Environments” presenting best practice and challenges related to workplace safety in an office setting. The publication was made available in two language versions on the Erste Bank Polska ESG website. HR Digitalization ▪ In H1 2026, we launched Ada, the first AI solution developed internally to support the Human Resources Administration and Payroll teams. Ada helps streamline the handling of recurring employee inquiries by generating draft responses, which are reviewed and approved by HR specialists before being sent, in line with the human-in-the-loop principle. Built on a secure infrastructure that meets the bank’s requirements, Ada provides a strong foundation for the further adoption and scaling of AI capabilities across HR and the broader organization. PEOPLE
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18,1 6,7 3,5 3,1 304,4 322,6 31 Mar 2026 Δ Customer deposits Δ Equity Δ Debt securitiesΔ Other liabilities 30 Jun 2026 6,8 4,8 1,8 6,1 1,3 304,4 322,6 31 Mar 2026 Δ Cash Δ Loans to customers Δ Trading assets Δ Financial assets Δ Miscellaneous assets 30 Jun 2026 Asset development in Q2 2026 Liabilities development in Q2 2026 20 Balance sheet BALANCE SHEET DEVELOPMENT ◼ Total loans +3% QoQ. ◼ Loans for individual clients +2% QoQ: mortgages balance +2% QoQ and cash loans +3% QoQ ◼ Loans for business clients +3% QoQ (SME +2% QoQ, BCB -1% QoQ and CIB +9% QoQ) ◼ Total assets higher QoQ mainly due to higher cash items, receivables from customers and trading assets. ◼ Total deposits +8% QoQ. ◼ Deposits of individual clients +1% QoQ and current accounts +4% QoQ. ◼ Deposits of business clients +16% QoQ. ◼ In Q2 2026, term deposits +17% and current deposits +5%. ◼ Total liabilities higher thanks to the growth in customer deposits and change in other liabilities. PLN m
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62 341 39 8 58 361 31 028 1 173 Net Profit 1Q 2026 Δ Operating income Δ Operating expenses Δ Risk Costs Δ FX mortgage cost Δ Other result Δ Taxes on income Δ Minorities Net Profit 2Q 2026 42 126 3 552 7 477 47 3 112 2 201 Net Profit 1H 2025 Δ Operating income Δ Operating expenses Δ Risk Costs Δ FX mortgage cost Δ Other result Δ Taxes on income Δ Minorities Net Profit 1H 2026 QoQ net profit development YoY net profit development 21 Net profit impacted by higher CIT and regulatory costs P&L DEVELOPMENT ◼ NII dynamic +1% QoQ. ◼ Stable net fee income QoQ and higher dividend income. ◼ Costs impacted by rebranding and integration in Q2 and the Bank Guarantee Fund in Q1. ◼ Higher burden related to legal risk costs for the foreign currency mortgage portfolio. ◼ Net profit increased by 14% compared to Q1 2026. PLN m ◼ Net interest income -3% YoY. ◼ Strong increase in net commission income +5% YoY. ◼ Higher costs driven by the contribution to the BFG resolution fund fee (+23% YoY), integration and rebranding costs. ◼ Legal risk costs for the foreign currency mortgage portfolio decreased by 15% YoY. ◼ Profit after tax significantly impacted by CIT, which increased by 47% YoY.
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Loan/deposit ratio 22 Capital ratios Liquidity ratios Leverage ratio Strong capital position and balance sheet metrics RATIOS 72.0% 72.7% 70.8% 73.6% 70.1% 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 18.06% 18.06% 21.21% 19.87% 19.43% 17.31% 17.38% 20.72% 19.57% 19.17% 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 CET TIER 1 7.80% 7.75% 8.50% 8.33% 7.60% 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 191.55% 204.91% 216.18% 200.78% 195.50% 147,07% 147,01% 150,61% 152,42% 162.54% 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 LCR NSFR
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Net interest margin NIM 23 Cost/income ratio C/I Risk cost ratio COR Return on equity ROE Efficiency, profitability, and risk ratios RATIOS 2.1% 2.0% 2.2% 1.9% 1.8% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 27.4% 28.3% 31.1% 42.2% 37.6% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 21.9% 21.6% 23.6% 19.9% 19.0% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Asset quality (NPL) 3.9% 4.0% 3.7% 3.6% 3.60% 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 0.33% 0.33% 0.37% 0.37% 0.35% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Return on assets ROA * The calculation of the net interest margin of Santander Bank Polska S.A. includes the allocation of swap points from derivative instruments used for liquidity management b ut excludes interest income from the portfolio of debt securities held for trading and other trading exposures. The comparable quarterly net interest margin, adjusted for the impact of the negative adjustment related to the CJEU ruling, was 4.49% in Q2 2026. 4.89% 4.88% 4.64% 4.53% 4.39% 4.49% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 NIM NIM*
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Basel 3 capital (phased-in) Risk-weighted assets (phased-in) 24 Robust capital ratios with significant surplus 26.6 3.7 4.2 in PLN bn in PLN bn High level of own funds, ensuring full coverage of all material risks identified in the Bank’s activity, as well as a surplussupporting further business development. ▪ Growth in own funds in Q2 2026 given the allocation of PLN 1.7bn from 2025 net profit, in line with the AGM resolution of 15 April 2026. The adjustment was retrospectively reflected in Q4 2025 and Q1 2026 capital figures. ▪ Credit risk RWAs increased in Q2 2026, mainly driven by business growth. ▪ Market risk and operational risk RWAs remained stable during the quarter. WHOLESALE FUNDING AND CAPITAL: CAPITAL AND RISK-WEIGHTED ASSETS (RWA) - 4.5%2.6% 122,8 123,5 108,0 115,5 117,7 21.9 21.9 21.9 21.2 21.2 3.6 3.5 2.8 2.8 2.8 148.3 148.9 132.7 139.5 141.7 30.06.2025 30.09.2025 31.12.2025 31.03.2025 30.06.2025 CR RWA OPR RWA MR RWA 25.7 25.9 27.5 27.3 27.1 1.1 1.0 0.6 0.4 0.4 26.8 26.9 28.1 27.7 27.5 30.06.2025 30.09.2025 31.12.2025 31.03.2025 30.06.2025 TIER1 TIER2
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MREL ratioBasel 3 capital ratios (reported, phased-in) 25 ▪ Strong capital ratios with TCR of 19.4% and capital surplus approx. PLN 9bn above regulatory requirements. ▪ Own Funds increased in Q2 2026 following the allocation of PLN 1.7bn from 2025 earnings. The adjustment was retrospectively incorporated into the reported Q4 2025 and Q1 2026 capital ratios. ▪ Capital ratios decreased in Q2 2026 primarily due to RWA growth. Capital ratios significantly above regulatory requirements ▪ Subordinated MREL requirement met at 22.7% with significant surplus vs. the regulatory minimum of 20.22%. ▪ MREL compliance achieved through capital surplus and issuance of eligible instruments. ▪ In Q2 2026, the call option on SNP instruments worth PLN 1.9bn was exercised as the instruments had ceased to be eligible given their remaining maturity being less than one year. WHOLESALE FUNDING AND CAPITAL: CAPITAL AND RISK-WEIGHTED ASSETS (RWA) High capital ratios, reflecting the Bank’s strong capital position, supported by strong profitability. MREL ratio 24.8% vs. regulatory requirement of 20.36% 18.06% 18.06% 21.21% 19.87% 19.43% 17.31% 17.38% 20.72% 19.57% 19.17% 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 CET TIER 1 18.1% 18.1% 21.2% 19.9% 19.4% 3.2% 3.3% 5.1% 3.2% 3.2%2.1% 2.1% 2.3% 2.2% 2.2% 23.4% 23.5% 28.6% 25.3% 24.8% 30.06.2025 30.09.2025 31.12.2025 31.03.2025 30.06.2025 TCR Subordinated (inc.SNP) SP +1.4 p.p.
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54 345 55 264 55 977 55 814 56 851 946 883 793 773 741 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 FX PLN 57 592 18 268 18 558 18 276 18 490 18 938 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 18 584 18 978 19 283 19 822 20 373 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 26 RETAIL BANKING Retail banking Mortgage loans and advances portfolio (gross) ◼ New cash loans: +35% Q2 2026 / Q2 2025 ◼ New mortgage loans: +71% Q2 2026 / Q2 2025 PLNm Cash loans portfolio (gross) New cash loans Mortgage loans – disbursements ◼ PLN mortgage loans portfolio +5% YoY ◼ FX mortgage loans portfolio: -22% YoY ◼ New SME financing: +11% Q2 2026 / Q2 2025 SME financing portfolio (Loans & Leasing) (gross) New SME financing (Loans & Leasing) +10% +4% +4% 2 583 2 417 2 284 2 389 2 856 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 2 426 3 122 3 099 2 576 4 156 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 3 087 3 314 3 229 3 941 4 174 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 55 291 56147 56 770 56 587
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16 249 16 572 16 504 16 448 16 748 31.06.2025 30.09.2025 31.12.2025 31.03.2026 31.06.2026 27 LEASING Leasing 5.87% Market share Portfolio ◼ Leasing portfolio: PLN 16.7bn, +3% YoY ◼ Excellent result in the corporate segment: the financing portfolio grew by 24% YoY, reaching value of PLN 1.4bn ◼ 10% YoY increase in the number of clients * Data as at 31.03.2026 +3% Erste Leasing was awarded the prestigious title of Energy Transformation Leader for creating and implementing a pioneering Green Transaction Labeling and Verification System in the leasing industry. This proprietary solution allows for precise measurement of the portfolio's "green impact," which is crucial in an era of increasing regulatory pressure (CSRD, EU Taxonomy). PLNm
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24 751 37 456 49 614 12 937 27 220 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 9 045 8 771 8 639 8 959 10 220 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 28 FACTORING Factoring 17.0% Market share Portfolio Turnover - cumulative ◼ Factoring company takes first place on the market in terms of the balance sheet in in H12026. ◼ Factoring ranks the second in payables financing (17% market share). * Data as at 30.06.2026 +13% +10% PLNm
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29 KEY FINANCIAL RATIOS Key financial ratios H1 2026 H1 2025 Cost/ income 37.6% 30.9% Net interest income/ total income 76.6% 79.3% Net interest margin 1) 4.45% 4.94% Net fee and commission income/ total income 19.1% 18.4% Net loans and advances to customers/ deposits from customers 70.1% 72.0% NPL ratio 2) 3.6% 3.9% NPL provision coverage ratio 3) 45.4% 45.3% Costs of credit 4) 0.35% 0.33% ROE 5) 19.0% 21.9% ROTE 6) 21.6% 24.4% ROA 7) 1.8% 2.1% Total capital ratio 8) 19.43% 18.06% Tier 1 capital ratio 9) 19.17% 17.31% Book value per share (PLN) 315.62 324.92 Earnings per ordinary share (PLN) 10) 21.54 30.13 1. Net interest income annualised on a year-to-date basis (excluding interest income from the portfolio of debt securities held for trading and other exposures related to trading) to average net earning assets as at the end of consecutive quarters after the end of the year preceding a given accounting year (excluding financial assets held for trading, hedging derivatives, other exposures related to trading and other loans and advances to customers). 2. Lease receivables and gross loans and advances to customers measured at amortised cost and classified to stage 3 and POCI exposures to the total gross portfolio of such loans and advances and lease receivables as at the end of the reporting period. 3. Impairment allowances for loans and advances to customers measured at amortised cost and lease receivables classified to stage 3 and POCI exposures to gross value of such loans and advances and lease receivables as at the end of the reporting period. 4. Net expected credit loss allowances (for four consecutive quarters) to average gross loans and advances to customers measured at amortised cost and lease receivables (as at the end of the current reporting period and the end of the previous year). 5. Profit attributable to the parent’s shareholders (for four consecutive quarters) to average equity (as at the end of the current reporting period and the end of the previous year), excluding non-controlling interests, current period profit, dividend reserve. 6. Profit attributable to the parent’s shareholders (for four consecutive quarters) to average tangible equity (as at the end of the current reporting period and the end of the previous year) defined as common equity attributable to the parent’s shareholders less revaluation reserve, current year profit, recommended dividend, dividend reserve, intangible assets and goodwill. 7. Profit attributable to the parent’s shareholders (for four consecutive quarters) to average total assets (as at the end of the current reporting period and the end of the last year). 8. The capital ratio was calculated on the basis of own funds and total capital requirements established for the individual risk types by means of the standardised approach, in line with the CRD IV/CRR package. The comparative period includes profits allocated to own funds pursuant to applicable EBA guidelines. 9. Tier 1 capital ratio calculated as a quotient of Tier 1 capital and risk-weighted assets for credit, market and operational risk. The comparative period includes profits allocated to own funds pursuant to applicable EBA guidelines. 10. Net profit for the period attributable to shareholders of the parent entity to the average weighted number of ordinary shares.
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Thank You Contact details Maciej Reluga, Vice President of the Management Board, Erste Bank Polska maciej.reluga@erste.pl Agnieszka Dowżycka, Head of Investor Relations, Erste Bank Polska agnieszka.dowzycka@erste.pl Aby zmienić kolor slajdu, przejdź do: „Format kształtu > Wypełnienie kształtlub Kontury kształtu” i wybierz jeden z następujących kolorów.