Alior Bank S.A.

Good morning. My name is Dominik Prokop. I am the Head of Investor Relations. Welcome to this conference presenting Allure Bank's Q3 2025 results. In the first part, the results and the trends will be presented by all your board members.

Piotr Żabski, CEO, who will present the main trends and discuss the business performance. VP Marcin Ciszewski, who will speak about risk and VP Zdzisław Wojtera, Speaking about financial results, right after the presentations, we will move right into your questions. Before I hand over to our CEO, Piotr, I urge and encourage all of you to ask your questions even during the presentations. Just like every quarter, this will allow us to smoothly segue into the Q&A. Thank you and over to Piotr. Good morning and welcome to yet another presentation of our quarterly results. Yesterday the supervisory board approved our results and it is our pleasure to present them today. To present our Q3 performance and the results year to date. Before I move to the highlights, I'd like to first talk about our strategy that we announced and published in March. The third quarter continued to pursue our strategy. And in summary, we came close to saying that we are well on track implementing the strategy. The strategy is based on three pillars growth, scale, stabilization of results and operational excellence, which you will see in our numbers. Operations. Just a few highlights and facts I'd like to draw your attention to. This year, year to date, our revenues reached 4.5, more than 4.5 billion zloty, including NII at 3.87 billion. year-on-year stable with lower rates, of course. Our net commission income grew. That's the other leg of stabilizing our results. So that has materialized. In Q3 alone, we have a drop in NII due to the lower rates. But we have made up for it by growing our and fee net fee and commission income which is our strategic objective. Hence the net profit in Q3 amounted to five hundred sixty three million and year to date one point six seven nine billion lossy. And we have achieved all that with a very good return on equity close to 19 percent. Well in line with our strategy. My comment over that period of time we also recognized 50 percent of last year's profit in our equity and so we are even more proud of our ROE as equity is growing. Speaking of risk we have very good readings 124 million cost of risk and the ratio is 0.72, less than 0.8. That is our target. Down 0.2 percentage points year on year. NPL stood at 6.29%, down 0.81 percentage points in the past 12 months. So we are well on track in line with the trajectory of eliminating the problems that burdened us over the past few years. I've mentioned equity. Our capital position is solid with a big surplus. Our ratios Tier 1 and TCR remain very strong well above the regulatory minimums and that surplus allows us to continue with our strategy of growth. Speaking of growth, just a few highlights, a few facts. As you may recall, our strategy relies on relationships, growing the number of relationship customers who are the future of this bank. That number grew by 100,000 year on year. The number of relationship customers is the biggest growth we have seen in this regard over the years. 1.68 million.

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