Alior Bank S.A.

My name is Dominik Prokop of the Allure Bank's Investor Relations. Welcome to this conference that will summarize the results of Allure Bank for Q1 2024. Just like the last time, in the first part of this meeting, we will talk about the bank's results and trends. Grzegorz Olszewski, CEO, will be the speaker, together with Tomasz Miklas, Vice President CIO, the CFO, Mr. Gibała. In the second part after the presentation, we will have time for Q&As. Before I hand over to Grzegorz, I would encourage everyone online to ask questions in the first part so that we can move smoothly to the Q&A. Thank you. Grzegorz, over to you. Thank you, Dominik, and good morning. Welcome to this presentation of our results for Q1 2020 for We will go through the presentation and I will try to discuss what is behind the figures. You can see the figures on the slide. Very good results in Q1. Our results were charged with a contribution to the BFG resolution fund of 40 mil. Adjusted by the BFG contribution, the result would be better than in Q4. But of course, in our business, we do have to take into account all the expenses, so we are reporting the result as was, 578 mil. NII and NFC grew year-on-year by 15.1% respectively. We are not being overly aggressive with NFC, especially in acquisition of retail as well as micro firm clients online. And these efforts have paid off as you will see in the presentation. Moving on now to the slide which gives you a snapshot of our position and the trends in our core business that is lending. The bank's assets were over 91 billion, grew 8% year-on-year. The performing loans volume was more than 61 billion, up by more than 9% year on year. In addition to our business operations, we are making efforts to change our risk profile, pursuing the strategy as designed. The NPL was record low at 1.65, COR 0.68%. Tomasz will speak more about COR later on and he will discuss our guidance for the coming months. ROE of 24%. Radek will describe the cost side as well as the NIM, which is lower but still very strong. You will recall that we are rearranging our loan portfolio mix by adding mortgages, which has a positive impact on risk. regarding

It remains very low.

In addition to the cost of risk and the reduction of the NPL, the decrease in COF is probably the biggest revolution we have gone through. We are a young bank and still we are reporting a lower ratio than most of our peers with a bigger customer base of relationship-based customers. Moving on to our retail customers. Following our strategy, we have been migrating our clients to mobile banking. upgrading our mobile app and our customers are acknowledging this trend and using mobile banking more and more. We were selling mortgage loans actively last quarter 1.6 billion zlotys and consumer finance sales remain stable year on year 1.3 billion.