Alior Bank S.A.

Good morning, ladies and gentlemen. My name is Dominik Prokop and I'm the head of the Investor Relationship and Ownership Supervision Department. Welcome to this press conference presenting results after Q2 of 2022. The conference will be divided into two parts. In the first part, our speakers will present the financial results in the presentation. In the second part, we shall have a Q&A session. Let me introduce to you, together with us, we have Grzegorz Olszewski, the President of the Management Board of the Bank, and Mr. Radomir Gibała, our CFO. Sir, over to you. And now, ladies and gentlemen, I can only kindly ask you to write down your questions in the chat window. And the chat window is open starting now. Good morning. Welcome at the press conference. to present our results for the first half of 2022, including Q2. I shall focus on the areas that we haven't discussed so far. Rather, we have teased about them, and we want to live up to our promises. As I said, the first half of 2022 was a very good time for us in terms of

interest year-on-year, it went up by 46%.

However, I would like to draw your attention to fee income plus 22% year-on-year. That is a source of stable income for the future. With our portfolio of products with good quality of our services, we are set to succeed. That's what we are going to focus on. Coming back to our results, what you see here is 216 million of profit. That's indeed a very good result, including... the protection scheme premium in the amount of 195 million PLN, and also the fact that we did not pay the contribution to the BFG, that's 30 million. The total impact of these events was approximately 128 million. It was a record year for the bank, meaning that they increased interest rates good loan portfolio paid off. As I said before, we shouldn't forget about the improved interest income. Now let me move on to our indicators and the topics that we have announced previously during our presentations.