Alior Bank S.A.

Good morning, this is Dominik Prokop from the Department of Investor Relations and Property Supervision. I would like to welcome everyone to the Alior Bank results conference, summarizing the results after the first half of 2025. As every quarter, traditionally, in the first part of our conference,

Traditionally, the results of the Bank and the trends accompanying these results will be discussed by members of the Board, President Piotr Żabski, who will sum up the most important trends in the business sector, Zdzisław Wojtera will present the finance results and Marcin Ciszewski will present the risk sector results. In the second part of the meeting, after the presentation, we will move on to a question and answer session. Before I hand over to Piotr, I encourage all those who are watching us to ask questions already in the first part of the conference, thanks to which we will be able to move on smoothly to the Q&A session. I hand over to Piotr Żabski. Good morning, everyone. May I welcome everyone at the meeting of the Board, which is a traditional quarterly meeting to present the results of the Bank. This is the first quarter after our strategy was announced, and the second quarter were the strategies in place, so there will be some reference to what had been discussed in our three-year strategy. As concerns the operating activities, Let me tell you about some general trends and results. There will be division into business lines. And in the further parts, my colleagues will go deeper into the data and a handful of details will be presented to you. As regards the banks operating activities, the second quarter was a very good one for us. We noted 6% increase of revenues. In the second quarter, we had 1.5 billion revenues. And in two lines, both in the interest and commission results, we had 4% and 3% growth. So the net profit of the whole of the bank was 640 million and it was by 50 million higher, 9% more compared to the same period of the previous year. The ROE reached 22%, as you can see in the slide. What we would like to draw your attention to is also the decrease in the cost of risk due to the recognition of profit on the sale of the NPL portfolio. It reached the result of 0.2%, which is quite notable as far as the COR is concerned. There is also a continued decline in the NPL ratio to 6.18%. The sale of the NPO portfolio obviously had an impact on that, but in our strategic aims, we are certainly moving on target. As far as our capital position is concerned, there is a surplus over Tier 1 to almost 5 billion and TCR almost 4 billion, which, vis-à-vis our strategy, provides us an increase of scale and a safe buffer. The TCR at the level of 17% is certainly considerably above the reference regulatory benchmark. A few additional figures regarding our activities in the last quarter and indeed the first half of the year. The number of relationship customers grew. We now have 1.64 million customers. There was a growth of 81,000 compared to the previous year. The mobile app users also grew. We now have 1.5 million who use the app, which is by 13% more than a year ago. We had some problems concerning the use of the app, but we overcame them. There was a growth in the deposit portfolio. We now have almost 80 billion lotties in deposits, an increase of 8%. There is also a strong growth in the area of mortgage loans. In the second quarter, we granted loans to the tune of 1.3 billion zlotys, which is almost a tough hold. increase compared to a year ago. The share of these loans and the general sales portfolio is one third. You also probably realize that we paid out the dividend. This is not a new piece of information, but this is part of our strategy. Some additional info as regards the whole of the bank. Our assets is almost 100 billion lot. There was a 10 percent growth. Deposits grew by 8 percent to almost 80 billion and the gross performing loans grew by four percent to the amount of 62 billion an important bit of information which you find in the footnote at the bottom the four percent growth does not take into account this by sellback transactions so whether working loans Now, additional information in the top line in yellow, there is the second quarter and the bottom line, the whole of the first half of the year. CI 36.1 will tell you in detail about what brought about this cost to income ratio at such a good level. NIM discounts the drop in interest rates, which you can see, ROE almost 22% for the whole of the half of the year. Cost of risk 0.20% drop by 0.03% points and

As regards the capital NPL, 6.18%.