Alior Bank S.A.

Good morning.

This is Dominik Prokop. On behalf of Aliorbank, may I welcome everyone to the results conference. We will talk about the first quarter 2026. In the first part, the bank's results as well as the trends. They will be discussed by members of the board, President Piotr Żabski, who will sum up the most important trends and will tell us about business results, Deputy President Marcin Ciszewski, who will tell us about risk, and Deputy President Zdzisław Wojtera, who will tell us about finance. After the end of the presentation, we will have a Q&A session. Before I hand over to Piotr, may I encourage everyone to ask questions already during the first part of the conference, which will help us smoothly move into the Q&A session. Peter, you have the floor. Good morning, everyone. The presentation will begin. be composed of four parts. Firstly, operational activities with two business lines, the corporate and the individual customers, then the risk result and then financial results and other issues. So, let me move on to the operational activities and about the first quarter. What you can see here is a slightly changed makeup of the presentation. We wanted to refer to our strategies. There are three pillars on the left, scaling up, high resilience, operational excellence. And it's within these categories that I'd like to tell you about what went on in the first quarter. But before... Moving on, let me just sum up. This was a good quarter for Alierbank. Our results were 1.5 billion zlotys with a 2% growth year on year. And taking into account that we have lower interest rates in the country, this kind of growth in revenue is really making us very happy. This is a real scaling up result. As far as net profit is concerned, we have 403 million zlotys. This is a drop of 15%. The corporate income tax is the main cause of this result. We will hear from our colleague later about more details. As far as the gross profits are concerned, we are on more or less the same level. As far as other parameters are concerned, very good return on equity, 13.8% increase. The corporate income tax is important in this regard.

Very well managed costs.