Alior Bank S.A.

Ladies and gentlemen, good morning from the Investment Relations Department.

Welcome to our results conference after Q3 2022. Let me introduce our speakers, Grzegorz Olszewski, the President of the Board, Alior Bank, Radek Dibała, CFO, Tomek Miklas, CRO. The first part will present or results for Q3. And in the second part of the presentation, we will hold a Q&A session. Very often, you pose many questions, so please ask your questions beforehand, submit your questions beforehand so that we can answer as many as possible. Grzegorz, over to you. Thank you so much. Good morning, ladies and gentlemen. Welcome to the results conference for Q3 2022. It is no secret that the results for Q3 dominated by the loan payment moratoria and the impact of this event, as well as the return of additional margin that was due to regulatory changes, all in all, 525 million of additional reserves that impacted our revenue. And these adjusted results, still record-breaking when you look at it year on year. It's historically high.

looking at our bank's history.