Alior Bank S.A.

Good morning, everyone. My name is Paweł Bednarz. I'm head of the PR department. May I welcome you to the conference devoted to the presentation of Alibank results for the third quarter 2026. In the first part of the presentation, the management board will comment on the financial results. In the second part, there will be a Q&A session. Now I hand over to Piotr Zabski, the president of Alior Bank. Good morning, everyone. May I welcome you to our results conference for the third quarter. Let us move on and present a few slides to you, a summary at the beginning, just to tell you in a few words what is the result of these financial data, and then A few words about business lines, the retail and the commercial division. Marcin will tell us about the risk later on and Zdzislaw about financial results. Finally, you will be able to ask some questions, which you are cordially invited to. As I mentioned a handful of figures to start with. If I were to sum up in one word the previous quarter, the third quarter, it's been a very good quarter. The one where we again delivered the promised parameters, the ones that we promised to ourselves and to investors. The first important figure is 1.52 billion dollars in revenue, which is last year's level. In spite of interest rates going down, we maintain a stable revenue level.

Net profit 473 million. There was considerable pressure regarding the profit result, touching upon the whole of the sector, higher taxes and legal risks, for instance.

What I would like to draw your attention to is the part on the right-hand side. As you remember, in our strategy there are two pillars. The first one are on the right-hand side. The increase of the scales of our operations. We are growing consistently as far as mortgage loans are concerned. They grew by 43%. New sales to retail customers generally rose by 15%. 7% was the rise in the relational retail customers, and we'll tell you a bit more about that later. We now have 1.8 million of those customers. 20% growth of the mobile app users. That's the greatest dynamics, one of the greatest in the market, which makes us very happy. For instance, what is also good is the growth in the commercial sector and specifically the leasing sales. All in all, this is perceived by the market and appreciated very well. Another rating agency... We are maintaining the cost discipline which allows us to