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ERSTE BANK POLSKA GROUP Q1-3 26 results presentation Warszawa, 30 October 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 Q1 -3 2026 General operational data Key volumes Erste Bank Polska Group Branches 305* Employment 10.2k Customers 6.2m Digital Customers 4.2m PLNbn YoY Market share Gross loans 183 11% 11.2% Deposits 252 14% 10.3% Customer funds 287 15% Assets 330 4% * The number of branches does not include 2 Erste Zones (acquisition stands) and 159 partner outlets.
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PLNm YoY Net interest income 9 468 -1% Net F & C 2 182 -1% Total Income 12 113 +1% Total Costs 4 375 +21% Gross profit 6 024 -6% Net profit 3 691 -20% Capital position TCR 18.75% TIER 1 18.53% Performance ROE 18.2% ROA 1.6% Liquidity Group L/D 71.0% Bank L/D 68.9% Group LCR 187.3% 5 RESULTS SUMMARY Q1 -3 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 Q1 -3 2026 Customers in numbers 7.4k Mobile customers 21.9k Digital customers 28.2k customers 0.2% YoY -1% YoY +14% YoY Corporate customers 116m mobile banking transactions in Q3 2026 3.3m mobile customers 3.6m digital customers 5.5m customers 0% YoY +5% YoY +8% YoY +10% YoY Retail customers 4.2m mobile banking transactions in Q3 2026 349k mobile customers 483k digital customers 657k customers +17% YoY +19% YoY +34% YoY +27% YoY SME customers 485k Platinum customers +15% YoY 4.4m active customers +3% YoY
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7 RESULTS SUMMARY Q1 -3 2026 Selected business data 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. +15% Y oY +14% Y oY +12% Y oY +11%Y oY Loans volumes Credit limits Number of mobile clients Income on eFX platform CIB Customers • Strong growth and increased client activity. • Ranked 1st in the latest Treasury Securities Dealers ranking published by the Ministry of Finance for Q3 2026. +34% Y oY Income from market making +33% Y oY Income from cooperation with Financial Institutions +48% Y oY Income from M&A +3% Y oY Income from Debt Capital Markets Retail customers SME Customers • Continued strong growth in customer acquisition. • Record mortgage loan sales. • Strong growth in cash loan sales, up 30% YoY. • Customer acquisition more than doubled. • Continued growth in SME financing through digital processes. • Strong growth in the number of customers using online self-service processes. 4.9m +13% Y oY Customers acquisition Q1-Q3 2026 New mortgage loans net Q1- Q3 2026 PLN 11.7bnPLN 12.1bn New cash loans Q1-Q3 2026 Personal accounts portfolio 30.09.2026 +22% Y oY+119% Y oY New SME loans Q1- Q3 2026 New business accounts Q1- Q3 2026 New E2E digital loans Q1-Q3 2026 x4 Y oY +16% Y oY Deposit balance 30.09.2026
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8 Agenda 1. Executive Summary 2. Financial performance 3. Attachments
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32% 13% 14% 31% 10% Mortgage loans Non-mortgage personal loans CIB BCB SME 9 FINANCIAL PERFORMANCE Q1 -3 2026 Gross loans ◼ The loan portfolio grew by 11% YoY and 4% QoQ. ◼ New mortgage lending in Q3 2026: +58% vs. Q3 2025. ◼ New cash loan sales in Q3 2026: +20% vs. Q3 2025. ◼ CHF mortgage loans: -78% YoY. ◼ SME loans, including leasing and factoring: +4% YoY and +1% QoQ. ◼ BCB loans, including leasing and factoring: +13% YoY and +7% QoQ. ◼ CIB loans, including leasing and factoring: +32% YoY and stable QoQ. Total PLN 183bn Gross loans - structureGross loans PLN m +11% 30.09.2026 31.12.2025 30.09.2025 YoY (%) QoQ (%) Individuals 84 101 79 744 78 671 7% 3% Mortgage 59 409 56 716 56 049 6% 3% Other Personal 24 692 23 027 22 622 9% 2% Business 99 303 89 279 86 151 15% 5% Total gross loans 183 404 169 023 164 822 11% 4% 78 671 79 744 80 131 81 737 84 101 86 151 89 279 91 839 95 020 99 303 164 822 169 023 171 969 176 757 183 404 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 Personal Business
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12% 40% 14% 29% 5% Personal term deposits Personal current deposits Business term deposits Business current deposits Other 10 FINANCIAL PERFORMANCE Q1 -3 2026 Customer funds Deposits- structureDeposits ◼ Total deposits at the end of September 2026 amounted to PLN 252bn, up 14% YoY and 3% QoQ. ◼ Retail customer deposits amounted to PLN 131bn, up 7% YoY and 1% QoQ. Current deposits increased by 3% QoQ, while term deposits declined by 5% QoQ. ◼ Business customer deposits amounted to PLN 121bn, up 23% YoY and 5% QoQ. Business term deposits increased by 9% QoQ, while current deposits grew by 3% QoQ. ◼ Term deposits accounted for 27.8% of total deposits, similar to the level at the end of September 2025. ◼ Assets under management reached PLN 35bn, up 21% YoY and 5% QoQ. ◼ The Group’s total customer funds amounted to PLN 287bn, up 15% YoY and 3% QoQ. Total PLN 252bn +14% PLN m 30.09.2026 31.12.2025 30.09.2025 YoY (%) QoQ (%) Demand 122 697 119 808 112 095 9% 3% Savings 59 448 47 795 47 450 25% 3% Term 70 216 62 540 61 402 14% 2% Total 252 360 230 143 220 947 14% 3% Funds under management 34 657 30 899 28 552 21% 5% Total customer funds 287 016 261 041 249 499 15% 3% 122 540 123 689 128 908 130 186 131 125 98 407 106 453 99 161 115 969 121 234 220 947 230 143 228 069 246 155 252 360 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 Personal Business
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3 195 3 154 3 063 3 102 3 303 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 11 FINANCIAL PERFORMANCE Q1 -3 2026 Net interest income and net interest margin ◼ In 9M 2026, net interest income amounted to PLN 9.5bn, down 1% YoY. Performance was affected by reference rate cuts and a negative adjustment to net interest income of PLN 71.2m, recognised in Q2 2026, following the CJEU ruling on financed non-interest loan costs. ◼ In Q3 2026 alone, it increased by 6% QoQ and 3% YoY. ◼ In 9M 2026, interest income declined by 6% YoY, while interest expense decreased by 22% YoY. Compared with Q3 2025, interest income declined by 1%, while interest expense decreased by 13%. ◼ Net interest margin in Q3 2026 stood at 4.42%. Net interest income Net interest margin* PLN m * The calculation of the net interest margin of Erste Bank Polska S.A. includes the allocation of swap points from derivative instruments used for liquidity management but 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 negativ e adjustment related to the CJEU ruling, was 4.49% in Q2 2026. 4.88% 4.64% 4.53% 4.39% 4,42%4.49% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 NIM NIM*
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12 Net fee and commission income ◼ In 9M 2026, net fee and commission income amounted to PLN 2.2bn, remaining broadly in line with the corresponding period of 2025 (−1% YoY). ◼ In Q3 2026, net fee and commission income amounted to PLN 643m, down 16% QoQ and 11% YoY. ◼ Fee & commission income under the influence of a promotional offer in the SME segment. ◼ On a year-to-date basis, particularly strong performance was recorded in asset management fees (+31% YoY), guarantee and surety fees (+29%), lending fees (+18%), brokerage fees (+13%) and FX fees (+6%). ◼ On a quarterly basis, growth was recorded in asset management fees (+8% QoQ), FX fees and eBusiness and Payments fees (both +4% QoQ). ◼ Compared with Q3 2025, particularly strong growth was recorded in lending fees (+32% YoY), asset management fees (+31%), guarantee and surety fees (+23%), brokerage fees (+16%) and credit card fees (+14%). FINANCIAL PERFORMANCE Q1 -3 2026 Net fee income PLN m 96 88 101 90 88 335 324 335 305 227 125 167 146 171 142 135 146 165 170 166 35 27 25 31 20 725 752 772 768 643 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Cards Transactional Loan + Insurance Capital market fees Other Total Q1-3 2026 Q1-3 2025 YoY (%) QoQ (%) Cards 279 294 -5% -3% Transactional 867 980 -12% -26% Loans and Insurance 459 411 12% -17% Capital markets 501 410 22% -3% Other 77 102 -25% -34% Total 2 182 2 197 -1% -16%
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13 FINANCIAL PERFORMANCE Q1 -3 2026 Total income ◼ The Group’s total income in 9M 2026 amounted to PLN 12.1bn, up 1% YoY. In Q3 2026, total income amounted to PLN 4.1bn, remaining stable QoQ and increasing by 2% compared with Q3 2025. ◼ Net interest income in 9M 2026 declined by 1% YoY, while in Q3 it increased by 6% QoQ and 3% compared with Q3 2025, despite the interest rate cuts in 2025. ◼ Net fee and commission income declined by 1% YoY in 9M 2026, while in Q3 it fell by 16% QoQ and 11% compared with Q3 2025. ◼ Other income increased by 76% YoY on a year-to-date basis, driven by higher gains on financial activities, dividend income and other income. In Q3, it amounted to PLN 114m, down 39% QoQ, mainly due to lower gains on the sale of debt financial assets. ◼ In Q2, the Bank received a dividend of PLN 40m from PSP SA. ◼ Net trading income and revaluation increased by 64% YoY in 9M 2026, to PLN 317m from PLN 193m, mainly driven by FX and derivatives activities. Total income PLN m 3 195 3 154 3 063 3 102 3 303 725 752 772 768 643 78 108 161 188 114 3 998 4 014 3 995 4 057 4 061 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Net Interest Income Fees Other Total Q1-3 2026 Q1-3 2025 YoY (%) QoQ (%) Net interest income 9 468 9 549 -1% 6% Net fee and commission income 2 182 2 197 -1% -16% Total 11 650 11 746 -1% 2% Gains/losses on financial operations 317 204 55% -43% Dividends 60 16 277% -94% Other 87 43 103% 137% Total income 12 113 12 008 1% 0%
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14 FINANCIAL PERFORMANCE Q1 -3 2026 Operating expenses Operating expenses PLN m 589 648 590 596 666 334 348 466 567 48435 32 446 10 14 151 159 128 135 139 22 63 55 35 441 131 1 249 1 685 1 343 1 347 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Other Costs Amortisation Regulatory Costs Administrative Expenses ex. Regulatory Staff Costs Total Q1-3 2026 Q1-3 2025 YoY (%) QoQ (%) General and administrative expenses (3 840) (3 099) 24% -1% Staff costs (1 851) (1 682) 10% 12% Administration costs (1 989) (1 418) 40% -14% Depreciation + Other (535) (509) 5% 8% Total expenses (4 375) (3 608) 21% 0% ◼ The Group’s total expenses for the first nine months amounted to PLN 4.4 billion, up 21% y/y. In the third quarter alone, expenses amounted to PLN 1.35 billion and remained stable compared with the second quarter (+0.3% q/q). ◼ On a year-on-year basis, our cost base continues to be affected by several factors discussed in the previous quarter, primarily higher contributions to the Bank Guarantee Fund (BFG), as well as integration and rebranding costs. ◼ Rebranding costs in the period under review (9M) amounted to PLN 226 million, including PLN 51 million in the third quarter. ◼ Integration costs amounted to PLN 158 million, including PLN 51 million in the third quarter. ◼ The Group’s C/I ratio stood at 36.1% in 9M’26, compared with 30% last year. The comparable C/I ratio was 29.3% (excluding integration costs, rebranding costs and BFG contributions).
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15 FINANCIAL PERFORMANCE Q1 -3 2026 Credit risk provisions and credit portfolio quality 196 146 144 106 117 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Cost of credit riskNet provisions NPL ratio 0.33% 0.37% 0.37% 0.35% 0.30% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 4.0% 3.7% 3.6% 3.6% 3.4% 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 46.2% 46.3% 45.8% 45.4% 45.9% 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 NPL coverage ratio NPL sales Impact of NPL sales on PBT 98 169 164 180 177 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 29 23 53 65 57 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 PLN m
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16 FINANCIAL PERFORMANCE Q1 -3 2026 Results in Q1-3 2026 Results in Q1-3 2026* ◼ Profit before tax in 9M 2026 amounted to PLN 6.0bn, while net profit attributable to shareholders of the parent amounted to PLN 3.7bn. ◼ Excluding integration and rebranding costs and contributions to the Bank Guarantee Fund (BFG), comparable profit before tax increased by 1% YoY. ◼ In Q3 2026, profit before tax amounted to PLN 2.3bn, up 20% QoQ. Net profit amounted to PLN 1.5bn, up 27% QoQ. ◼ Total income rose by 1% YoY. Interest income increased despite lower interest rates. Solid growth in fees, excluding the SME acquisition offer. ◼ In Q3, total income stayed stable quarter on quarter and grew by 2% compared to Q3 2025. ◼ Costs continued to be significantly affected by BFG contributions and integration and rebranding costs. ◼ Loan impairment charges declined by 16% YoY, while in Q3 they were 40% lower than in Q3 2025. The cost of credit risk remained low. ◼ The effective tax rate continued to be affected by the increase in the corporate income tax rate for banks to 30%, regulatory costs and legal risk costs related to foreign currency mortgage loans. It stood at 37.5% in Q1- 3 2026 and 34.0% in Q3 2026. PLN m * Data for 2025 regard continued operations. Q1-3 2026 Q1-3 2025 YoY Net interest and fee income 11 650 11 746 -1% Income 12 113 12 008 1% Costs -4 375 -3 608 21% Credit impairment allowances - 367 - 440 -16% Cost of legal risk associated with foreign currency mortgage loans - 801 - 987 -19% Tax on financial institutions - 630 - 621 2% PBT 6 024 6 439 -6% CIT -2 261 -1 495 51% Profit of EBP shareholders 3 691 4 640 -20% Profit of non-controlling interests 72 174 -58% Effective tax rate 37,5% 23,2%
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17 Agenda 1. Executive Summary 2. Financial performance 3. Attachments
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How We Communicate MARKETING COMMUNICATIONS Mass Segment Campaigns SME Segment Campaigns Y oung Segment Campaigns Digital & Social Media In 2026, we completed a rebranding,with “Believe in Yourself” serving as the central theme of our brand campaigns. • Transition Campaign | March We launched communications introducing the Erste brand to the Polish market. • Brand Campaign | April We launched the brand’s first 360° campaign, featuring a girl learning to do a handstand. • PRO Savings Account Campaign | May–June We promoted the account’s 4.5% interest rate through the “Activity That Pays Off” campaign. • “Currencies Without Borders” Campaign | June We launched a nationwide campaign under the slogan ’’Say bye-bye to fees before your holiday.” • Bird Brand Campaign | September In the next phase of our brand communications, a blue bird became the symbol of the “Believe in Yourself” philosophy. Results: Brand awareness indicators continue to grow steadily. Erste is already spontaneously recognized by 35% of Poles, while nearly one in two people in Poland has been exposed to our communications. • ’’A Lighter Start in Business with Erste” Erste’s first major post-rebranding campaign targeting entrepreneurs. It addresses one of the main barriers to starting a business: feeling overwhelmed by formalities and concerns about taking the first step. The campaign shows that getting started can be easier with support from Erste experts and a tailored product offering, including a business account with a bonus of up to PLN 4,500. • ”Erste Wiedeński” The next stage of the bank’s rebranding. As part of the campaign, we organised a competition offering a train journey with a range of onboard attractions. This unconventional initiative stood out in the market and gained recognition within the industry. • SME Rebranding Campaign A broad-reach campaign introducing the Erste brand to the SME segment. The campaign also promoted the eLoan and ran across television and digital channels, including social media. • ”You’ve Got That Glow” | May–July A campaign showcasing the new cat-themed card design for teenagers. As part of the campaign, we created a hip-hop track and music video featuring Zuziula, a rising young rapper. • ”Believe in Yourself and Your Child” | June–July Communications targeting parents, promoting a children’s account, a welcome bonus and a new card design featuring Sejfuś, the brand’s character for children. • ”Before They Leave the Nest, Give Them a Good Start” A campaign featuring a small parrot, targeting parents and promoting a welcome pocket money bonus for children. • ”Don’t Let Anything Hold You Back” A campaign featuring a parrot, targeting teenagers and also promoting a welcome pocket money bonus. • ”Hajsologia” An online and offline financial education project for teenagers. Together with influencers, we visit three schools selected through a competition. • We manage 7 profiles across 5 platforms, with a combined audience of approximately 560,000 followers. Over the past six months, they have generated a total reach of around 20 million. • In Q1–Q3 2026, brand sentiment remained at approximately +2 points. Maintaining positive sentiment throughout the rebranding confirms the effectiveness of our communications and the strength of the brand’s reputation. • We were the first bank to support Łatwogang’s charity livestream, donating over PLN 1.1 million to the Cancer Fighters Foundation. Our involvement resulted in a record 5.81-point increase in sentiment and strong brand exposure. • Social media coverage of the Erste Wiedeński journey generated a total of 12.7 million views. The communications were supported by influencers from Poland and Austria. • We continue our long-term partnership with TuKarbo, who has become an Erste brand ambassador, supporting the brand’s key image-building projects and hosting the Hajsologia series. • We supported brand image, sales and audience engagement through content series targeting the Mass, Young and SME segments, communications around the Erste Letnie Brzmienia Festival, and the “Believe in Yourself” campaign. We also used the campaign theme in performance marketing activities, ensuring consistent communications across multiple brand touchpoints. 18
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19 Our People Learning & Development • For the first time, we co-organised Erste Learning Week 2026, an international learning event across Erste Group dedicated to the theme of Human & AI. • We launched the AI Literacy programme for all employees, designed to build practical AI knowledge and capabilities. Organisational Culture • We continued to develop "The First” Ambassador Programme, engaging employees in initiatives that support employer branding and increase Erste Bank Polska's visibility in the labour market. • We carried out communication and employer branding activities that strengthened the Bank’s position as a modern and responsible employer, while supporting the attraction of key talent. • Erste Bank Polska was awarded the Great Place to Work® certification for the fourth consecutive year. Employee Experience • Following the employee engagement survey conducted in May 2026, we continued actions to improve the employee experience at both the business unit and Bank- wide levels. Based on the analysis of survey results, we identified key drivers of employee satisfaction and engagement. • The Employee Experience strategy for the coming years entered its final design phase. Drawing on employee research insights, we defined strategic priorities and developed a model to support the consistent design of outstanding experience. Health & Safety and Wellbeing • In the first three quarters of 2026, a comprehensive programme of activities designed to strengthen the culture of health, safety and wellbeing was implemented. • We launched the Digital Balance programme to encourage mindful technology use, focus, and digital wellbeing. • The third edition of the Health and Safety Culture Heroes contest was organised. The contest promotes attitudes that support health and safety, cooperation and social engagement. • "Better to Save than Panic” first aid program was continued, increasing employees' readiness to respond to life- and health-threatening situations. • We developed expert-led initiatives and the exchange of best practices in the field of occupational health and safety (OHS). In September, the fourth edition of the Meeting of OHS Experts for Administrative and Office Staff took place, enabling organisations to exchange knowledge and experience. PEOPLE
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55 264 55 977 55 814 56 851 58 605 883 793 773 741 731 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 FX PLN 57 592 59 336 18 419 18 121 18 490 18 938 19 191 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 18 978 19 283 19 822 20 373 20 836 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 20 RETAIL BANKING Retail banking Mortgage loans and advances portfolio (gross) ◼ New cash loans: +20% Q3 2026 / Q3 2025 ◼ New mortgage loans: +58% Q3 2026 / Q3 2025 PLNm Cash loans portfolio (gross) New cash loans Mortgage loans – disbursements ◼ PLN mortgage loans portfolio +6% YoY ◼ FX mortgage loans portfolio: -17% YoY ◼ New SME financing: +7% Q3 2026 / Q3 2025 SME financing portfolio (Loans & Leasing) (gross) New SME financing (Loans & Leasing) +10% +6% +4% 2 432 2 300 2 399 2 859 2 592 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 3 122 3 099 2 576 4 156 4 926 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 3 314 3 229 3 941 4 174 3 981 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 56147 56 770 56 587
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21 LEASING Leasing Market share Portfolio ◼ Leasing portfolio: PLN 16.9 bn, +2% YoY ◼ Excellent result in the corporate segment: the financing portfolio grew by 20% YoY, reaching value of PLN 1.8 bn ◼ Heavy transport: over PLN 1bn in financed investments and a 19% YoY ◼ A decrease in financing for passenger cars (small share in financing Chinese brands), as well as financing in the SME and agricultural sectors (-15 y/y), which was mainly a result of the situation in the agricultural machinery financing market ◼ 8% YoY increase in the number of clients * Data as at 31.08.2026 +2% PLNm 6,1% 16 572 16 504 16 448 16 748 16 928 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026
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37 456 49 614 12 937 27 220 42 941 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 8 771 8 639 8 959 10 220 10 302 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 22 FACTORING Erste Factoring Sp. z o.o. 16,0% Market share Portfolio Turnover - cumulative ◼ Factoring company takes first place on the market in terms of the balance sheet in 3Q2026. ◼ Factoring ranks the second in payables financing (15% market share). * Data as at 30.09.2026 +17% +15% PLNm
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Asset development in Q3 2026 Liabilities development in Q3 2026 23 Balance sheet BALANCE SHEET DEVELOPMENT ◼ Total gross loans increased by 3% QoQ. ◼ Loans to individual customers increased by 3% QoQ: mortgage loan balances rose by 3%, while cash loans grew by 2% QoQ. ◼ In the business segments, SME loans increased by 1% QoQ and BCB loans by 7%, while CIB loans remained stable. ◼ Total assets increased by 2% QoQ to PLN 330bn, mainly driven by a PLN 7bn increase in loans and advances to customers and a PLN 2bn increase in cash balances. This growth was partially offset by a PLN 3bn decline in trading assets. ◼ Total deposits increased by 3% QoQ. ◼ Deposits from individual customers increased by 1% QoQ, with current account deposits up 3%. ◼ Deposits from business customers increased by 5% QoQ. ◼ In Q3 2026, term deposits increased by 2% QoQ, while current account deposits grew by 3% QoQ. ◼ Total liabilities increased by 2% QoQ to PLN 297bn, mainly driven by a PLN 6bn increase in customer deposits. Other liabilities decreased by approximately PLN 0.3bn. PLN m 2 7 1 03 323 330 30 Jun 2026 Δ Cash Δ Loans to customers Δ Trading assets Δ Financial assets Δ Miscellaneous assets 30 Sep 2026 1 6 1 3 1 2 323 330 30 Jun 2026 Δ Trading liabilities Δ Bank deposits Δ Customer deposits Δ Debt securities Δ Equity Δ Other liabilities 30 Sep 2026
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QoQ net profit development Y oY net profit development 24 Net profit impacted by higher CIT and regulatory costs P&L DEVELOPMENT ◼ Net interest income increased by 6% QoQ. ◼ Net fee and commission income declined by 16% QoQ, while dividend income decreased to PLN 3m from PLN 57m in Q2 2026. ◼ Total costs remained stable QoQ (+0.3%). Integration and rebranding costs decreased to PLN 103m from PLN 191m in Q2.Staff costs increased by 12% QoQ, while depreciation, amortisation and other costs rose by 8% QoQ. ◼ Legal risk costs related to foreign currency mortgage loans declined by 79% QoQ to PLN 109m. ◼ Net profit increased by 27% QoQ to PLN 1.5bn. PLN m ◼ Net interest income was slightly lower, down 1% YoY. ◼ Net fee and commission income declined by 1% YoY. ◼ Costs increased by 21% YoY, mainly driven by the contribution to the BFG resolution fund, which rose by 30% YoY, as well as integration and rebranding costs. ◼ Legal risk costs related to the foreign currency mortgage loan portfolio were 19% lower YoY. ◼ Net profit was significantly affected by the income tax charge, which increased by 51% YoY. As a result, net profit declined by 20% YoY. 3 417 4 12 11 76 1 1 173 1 490 Net Profit 2Q 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 3Q 2026 105 72 185 102 130 767 1 775 4 640 3 691 Net Profit 1- 3Q 2025 Δ Operating income Δ Operating expenses Δ Risk Costs Δ FX mortgage cost Δ Other result Δ Taxes on income Δ Minorities Δ Discontinued operations Net Profit 1- 3Q 2026
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Basel 3 capital (phased-in) Risk-weighted assets (phased-in) 25 Robust capital ratios with significant surplus 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. ▪ Own funds increased 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. Own funds remained stable in Q3 2026. ▪ Credit risk RWAs increased in Q3 2026, mainly driven by business growth. ▪ Stable market risk RWA. Lower operational risk requirement following the regulatory approval to exclude Santander Consumer Bank S.A. (by approx. PLN 1.6bn) from the calculation basis. WHOLESALE FUNDING AND CAPITAL: CAPITAL AND RISK-WEIGHTED ASSETS (RWA) -2.4%1.3%
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MREL ratioBasel 3 capital ratios (reported, phased-in) 26 ▪ Strong capital ratios with TCR of 18.8% and capital surplus approx. PLN 7bn above regulatory requirements. ▪ Capital ratios decreased in Q3 2026 primarily due to RWA growth. Capital ratios significantly above regulatory requirements ▪ Strong MREL surplus, including subordinated MREL at 22.5% vs. 18.36% regulatory minimum. ▪ MREL requirements were met through surplus own funds and the issuance of eligible liabilities. ▪ EUR 600m Tier 2 issuance in Q3 2026, subject to KNF approval for inclusion in own funds. ▪ PLN 1.8bn SNP instruments called in Q3 2026, as they ceased to be MREL-eligible due to residual maturity below one year. WHOLESALE FUNDING AND CAPITAL: CAPITAL AND RISK-WEIGHTED ASSETS (RWA) High capital ratios, reflecting the Bank’s strong capital position, supported by robust profitability. MREL ratio 24.6% vs. regulatory requirement of 21.32% +1.1 p.p.
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Loan/deposit ratio 27 Capital ratios Liquidity ratios Leverage ratio Strong capital position and balance sheet metrics RATIOS 72.7% 70.8% 73.6% 70.1% 71.0% 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 18.06% 21.21% 19.87% 19.43% 18.75% 17.38% 20.72% 19.57% 19.17% 18.53% 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 CET TIER 1 7.75% 8.50% 8.33% 7.60% 7.48% 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 204.91% 216.18% 200.78% 195.50% 187.31% 147,01% 150,61% 152,42% 162.54% 155.52% 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 LCR NSFR
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Net interest margin NIM 28 Cost/income ratio C/I Risk cost ratio COR Return on equity ROE Efficiency, profitability, and risk ratios RATIOS 2.0% 2.2% 1.9% 1.8% 1.6% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 28.3% 31.1% 42.2% 37.6% 36.1% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 21.6% 23.6% 19.9% 19.0% 18.2% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Asset quality (NPL) 4.0% 3.7% 3.6% 3.60% 3.4% 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 0.33% 0.37% 0.37% 0.35% 0.30% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Return on assets ROA * The calculation of the net interest margin of Erste Bank Polska S.A. includes the allocation of swap points from derivative instruments used for liquidity management but 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 negativ e adjustment related to the CJEU ruling, was 4.49% in Q2 2026. 4.88% 4.64% 4.53% 4.39% 4,42%4.49% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 NIM NIM*
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29 KEY FINANCIAL RATIOS Key financial ratios Q1-3 2026 Q1-3 2025 Cost/ income 36.1% 30.0% Net interest income/ total income 78.2% 79.5% Net interest margin 1) 4.44% 4.91% Net fee and commission income/ total income 18.0% 18.3% Net loans and advances to customers/ deposits from customers 71.0% 72.7% NPL ratio 2) 3.4% 4.0% NPL provision coverage ratio 3) 45.9% 46.2% Costs of credit 4) 0.30% 0.33% ROE 5) 18.2% 21.6% ROTE 6) 20.4% 24.1% ROA 7) 1.6% 2.0% Total capital ratio 8) 18.75% 18.06% Tier 1 capital ratio 9) 18.53% 17.38% Book value per share (PLN) 323.61 346.04 Earnings per ordinary share (PLN) 10) 36.12 47.87 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