Alior Bank S.A.

Good morning. This is Dominik Prokop from the Investment Relations Department.

Welcome to the results conference where we discuss the results after the first half of 2026.

In the first half of our meeting there will be a presentation. We will discuss bank results and the trends which we envisage. We will hear from Piotr Żabski, the president of the bank, who will talk about the business side, Zdzisław Wojterak, who will tell us about the financial side, and Marcin Ciszewski will talk about risk. After this first part, we will swiftly move on to a Q&A session. Everyone is invited to ask questions already during the first part, which will allow us to fluidly move to the Q&A session. I hand over to the president. Good morning, everyone. Welcome at our results conference discussing the second half, the first half of 2026. Let me firstly look at business results and then we'll move on to risk and finance according to our agenda. Beginning with the heart of the matter, we've had a good quarter. and a good first half 1.37 billion zlotys in revenue which is 10% less than a comparable quarter of the previous year but the result includes the results of CJEU. If we didn't have that one, it would be on the same level as the previous year, which with lower interest rates shows that our business activity brings good results.