Slide 1: Presentation of Results for 1Q 2026
PRESENTATION OF RESULTS FOR 1Q 2026 ALIOR BANK SA | APRIL 27, 2026
Slide 2: Agenda
AGENDA 1 Operating activities 2 Credit risk 3 Financial results 4 Other issues 5 Tytuł piątego działu
Slide 3: Operating Activities
1 OPERATING ACTIVITIES
Slide 4: Alior Bank on a Path of Dynamic Growth
ALIOR BANK ON A PATH OF DYNAMIC GROWTH Growth of the deposit portfolio: At the end of March 2026, the value of liabilities to customers Key indicators for 1Q 26 amounted to PLN bn 85.4 and increased by 9% Q1/Q1 Increase in mortgage loan sales: In 1Q 26, sales of mortgage loans to retail customers am
Slide 5: A Very Good Start of the Year for Alior Bank
A VERY GOOD START OF THE YEAR FOR ALIOR BANK Alior Bank with stable growth in the scale of operations while maintaining consistency in risk management Key indicators for 1Q 26 Assets (PLN bn) Deposits* (PLN bn) Gross performing loans** (PLN bn) +8,1 +6,9 +4,3 (+8%) (+9%) (+7%) 5.19% NIM 104,7 85,4 6
Slide 6: The Mobile App's Development Influences the Strong Growth in Users
THE MOBILE APP’S DEVELOPMENT INFLUENCES THE STRONG RETAIL CUSTOMERS GROWTH IN USERS Growth of the relational …using the mobile … the use of remote customer base... app allows for… channels for sales Number of relationship customers (mn) Number of mobile app users (mn) Share of mobile app users among
Slide 7: Dynamic Growth of the Loan Portfolio Balanced by a Large Increase in Deposits
DYNAMIC GROWTH OF THE LOAN PORTFOLIO BALANCED BY A RETAIL CUSTOMERS LARGE INCREASE IN DEPOSITS Both the loan portfolio is growing… …as well as deposits of retail customers Gross loans to retail customers (PLN bn) Balance of assets of retail customers (PLN bn) +3,3 (+8%) +8,5 (+12%) 43,9 44,8 78,4 42
Slide 8: The Mortgage Loan Portfolio Grows; New Money Non-Mortgage Loans Grew by 22%
THE MORTGAGE LOAN PORTFOLIO GROWS; NEW MONEY NON- RETAIL CUSTOMERS MORTGAGE LOANS GREW BY 22% Rapid growth in mortgage sales… …with stable sales of other loans Sale of mortgage loans to retail customers (PLN bn) Sale of non-mortgage loans to retail customers (PLN bn) +0,83 -0,01 (+84%) (0%) 1,81 3,8
Slide 9: Growth of Alior Bank's Investment Services in Spite of High Volatility
GROWTH OF ALIOR BANK'S INVESTMENT SERVICES IN SPITE RETAIL CUSTOMERS OF HIGH VOLATILITY ON INTERNATIONAL MARKETS Alior Bank’s Brokerage House Alior TFI Significant increase in brokerage …and scale of asset management of client commission income… funds Net brokerage commissions (PLN mn) Assets under
Slide 10: Quality Improvement and Growth in Key Segments of the Business Customer Portfolio
QUALITY IMPROVEMENT AND GROWTH IN KEY SEGMENTS OF BUSINESS CUSTOMER THE BUSINESS CUSTOMER PORTFOLIO Maintaining the business …with a clear increase in the loan portfolio… key segment Gross loans to business customers SME Loan Volume (PLN bn) - (PLN bn) performing portfolio -2% +3% 17,5 17,4 17,4 +11
Slide 11: We Deliver Digital Solutions That Appeal to Business Customers
WE DELIVER DIGITAL SOLUTIONS THAT APPEAL TO BUSINESS BUSINESS CUSTOMER CUSTOMERS Increase in deposit volume …and an increase in the y/y… number of accounts opened Deposits of business customers (PLN bn) Number of new current accounts(k) +5% 23,0 23,2 23,5 22,5 5,7 21,4 +22% ❑ Increase in the deposit
Slide 12: Alior Leasing Achieves the Best Results in Its History
ALIOR LEASING ACHIEVES THE BEST RESULTS IN ITS BUSINESS CUSTOMER HISTORY …and the entire portfolio Both sales... exceed expectations Sale of leases and loans (PLN mn) Leasing and loan portfolio (PLN mn) ❑ The share of individual asset categories remains stable. In 1Q 26, 42% of sales were for vehicl
Slide 13: Alior Bank's Activities Are Appreciated by Experts in Various Fields
ALIOR BANK'S ACTIVITIES ARE APPRECIATED BY EXPERTS IN VARIOUS FIELDS Podium in the Golden Leader in the Banker 2026 Institution of the Year plebiscite ranking Alior Bank took 2nd place in the cash loan In the 11th edition of the plebiscite, Alior category. The Bank moved up to 4th place Bank won as
Slide 14: Credit Risk
2 CREDIT RISK
Slide 15: Stable and Safe Position of the Bank: Capital and Liquidity Surplus
STABLE AND SAFE POSITION OF THE BANK: CAPITAL AND LIQUIDITY SURPLUS WELL ABOVE REGULATORY MINIMUMS Regulatory ratios of Alior Bank Group Liquidity ratios: LCR, NSFR 21,78% 257% 21,60% 21,44% 21,43% 20,75% 245% 20,61% 227% 236% 21,08% 214% 20,23% 202% 20,07% 187% 177% 181% 18,27% 17,85% 149% 152% 17,
Slide 16: Risk Costs in a Trend of Consistent Improvement
RISK COSTS IN A TREND OF CONSISTENT IMPROVEMENT Alior Bank Group – cost of risk (CoR%) Alior Bank Group – NPL ratio 2,80% 14,48% 2,39% 13,16% 11,77% 1,60% 1,51% 9,80% 0,98% 8,58% 0,62% 0,67% 6,81% 0,49% 5,64% 5,39% 2019 2020 2021 2022 2023 2024 2025 1Q 26 2019 2020 2021 2022 2023 2024 2025 1Q 26 The
Slide 17: Credit Risk in a Trend of Consistent Improvement
CREDIT RISK IN A TREND OF CONSISTENT IMPROVEMENT Impaired loans (PLN bn) NPL reserve coverage ratio* Cost of Risk – CoR%** 00% 6 6,69% 5 0,74% 0,72% 00% 0,67% 6,18% 6,29% 5 00% 5,64% 5,39% 51,9% 52,7% 4 51,4% 51,4% 0,29% 50,4% 00% 4,22 4,16 3,94 4 3,62 3,64 0,20% 00% 3 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26
Slide 18: Financial Results
3 FINANCIAL RESULTS
Slide 19: Interest Income Influenced by Lower Rates
INTEREST INCOME INFLUENCED BY LOWER RATES Total revenue (PLN mn) +2% 1 465 1 524 1 531 1 490 1 498 In 1Q 26, revenues amounted to PLN bn 1.5 (+2% y/y) • net interest income of PLN bn 1.25 (-3% y/y) • net commission income of PLN mn 221 (+6% y/y) 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Net profit (PLN mn) -15%
Slide 20: Income Statement
INCOME STATEMENT PLN mn 1Q 25 4Q 25 1Q 26 % y/y y/y % q/q q/q Total Income 1 465,5 1 490,3 1 498,1 2% 32,6 1% 7,8 Net interest income 1 284,8 1 264,8 1 248,2 -3% -36,6 -1% -16,6 Net fee and commission income 209,3 240,2 221,2 6% 11,9 -8% -19,1 Other income -28,6 -14,8 28,7 - 57,3 - 43,5 Total costs
Slide 21: Despite the Decline in Interest Rates, Growth of Volume Stabilizes Net Interest Income
DESPITE THE DECLINE IN INTEREST RATES, GROWTH OF VOLUME STABILIZES NET INTEREST INCOME Interest income and expenses (PLN mn) Interest margin and financing cost* -8% -1% CoF NIM NIM - CoR 11 285 770 11 754 289 11 296 743 11 650 265 11 633 248 5,88% 5,74% 5,61% 429 430 433 5,38% 5,19% 410 441 +3% y/y
Slide 22: A Significant Improvement in Commission Income (+6% y/y)
A SIGNIFICANT IMPROVEMENT IN COMMISSION INCOME (+6% Y/Y) Net Fees and Commissions Income (PLN mn)* +6% 234 240 222 221 21 20 209 19 18 ~0% y/y 18 84 82 73 +1% y/y 79 73 21 28 29 +52% y/y 19 22 57 58 60 57 +3% y/y Payment and credit cards service (net) 56 Transaction margin on currency exchange trans
Slide 23: Stabilization of Operating Expenses in 1Q 26
STABILIZATION OF OPERATING EXPENSES IN 1Q 26 Operating costs (PLN mn) C/I ratio** +2% C/I reported C/I normalized*** 100 100 631 616 550 100 565 100 100 565 +16 % y/y 75 87 11 11 11 Operating costs 100 554 100 554 100 100 541 100 539 544 excluding BFG 42,0% 42,1% costs 144 159 178 188 145 ~0% y/y 38
Slide 24: We Are Implementing Our Ambitious Strategy "Alior Bank. Or Nothing." for 2025-2027
WE ARE IMPLEMENTING OUR AMBITIOUS STRATEGY "ALIOR BANK. OR NOTHING." FOR 2025-2027 Key indicators for 1Q 26 PLN BN 1.5 IN REVENUE Scaling Up +2% Q1/Q1 PLN MN 403 IN PROFIT -15% Q1/Q1 High Resilience 13.8% RoE* -2.9 pp. Q1/Q1 37.8% C/I* Operational -1 pp. Q1/Q1 Excellence 5.39% NPL -1.31 pp. Q1/Q1 *
Slide 25: Other Issues
4 OTHER ISSUES
Slide 26: Disappointing Economic Situation at the Start of the Year
DISAPPOINTING ECONOMIC SITUATION AT THE START OF THE YEAR Slight slowdown in growth at the beginning of the year Disinflation interrupted by the outbreak of war 15 Change in GDP (real, %, y/y) and its composition (p.p.), CPI, Poland (%, y/y) Poland 20 10 18 5 16 14 0 12 10 -5 8 6 -10 4 4Q23 1Q24 2Q2
Slide 27: The War in the Middle East Changes Perspectives
THE WAR IN THE MIDDLE EAST CHANGES PERSPECTIVES A strong increase in hydrocarbon prices ECB lowers GDP growth and raises inflation forecasts Change in prices v. end of ’25 (weekly averages) Change in EBC forecasts, March’26 v. December'25 100% 3,0 80% 2,5 60% 2,0 40% 1,5 20% 1,0 0% 0,5 -20% Ropa Bre
Slide 28: 2026: Recovery with Renewed Inflationary Pressures
2026: RECOVERY WITH RENEWED INFLATIONARY PRESSURES Accelerating investments will support the economic situation Rates still down thanks to a favorable inflation situation GDP growth with main components, Poland CPI and interest rates, Poland 15 16 14 10 6,9 12 5,3 3,0 3,6 3,7 3,2 10 5 6,75 0,2 8 5,7
Slide 29: Building Scale Through Strategic Collaboration and Marketing Campaigns
BUILDING SCALE THROUGH STRATEGIC COLLABORATION AND MARKETING CAMPAIGNS New Alior Konto campaign with a 1 2 Alior Bank and JIMEK join forces again payment ring ▪ started 16.04.2026 ▪ Alior Bank has become a strategic partner of ▪ The return of the Alior Konto offer on simple the "JIMEK | ORCHESTRA |
Slide 30: Stable Growth of the Gross Loan Portfolio
STABLE GROWTH OF THE GROSS LOAN PORTFOLIO Loan portfolio in total (PLN mn) Retail Customer Segment (PLN mn) Business Customer Segment* (PLN mn) +9% / +2%** +8% +5% +8% +2% +11% / +3%** 71 846 43 866 44 849 66 331 68 250 41 565 26 997 24 766 24 384 20 862 20 754 7 398 44 849 20 658 6 624 7 147 41 565
Slide 31: The Bank Manages the Deposit Portfolio to Optimize the Cost of Financing
THE BANK MANAGES THE DEPOSIT PORTFOLIO TO OPTIMIZE THE COST OF FINANCING (PLN MN)* Structure of net liabilities to Customers Net liabilities structure - Retail Segment Net liabilities structure - Business Segment +9% +3% +10% +6% +5% -4% 23 508 82 621 85 414 62 872 336 22 542 78 465 59 113 315 21 44
Slide 32: Asset Structure of Alior Bank Group (PLN bn)
ASSET STRUCTURE OF ALIOR BANK GROUP (PLN BN) Alior Bank Group assets Receivables from Customers (net) +33% +3% +23% +5% 104,7 101,8 68,9 7,3 -26% YTD 65,5 93,3 9,8 62,7 90,1 61,0 7,0 58,2 83,0 82,9 56,2 57,6 10,3 28,5 +7% YTD +10% YTD 78,6 25,3 8,7 8,3 26,5 22,7 6,7 23,6 22,9 18,8 23,0 16,1 17,0 21,
Slide 33: Liability Structure of Alior Bank Group (PLN bn)
LIABILITY STRUCTURE OF ALIOR BANK GROUP (PLN BN) Alior Bank Group liabilities Liabilities to Customers* +33% +3% +30% +3% 104,7 101,8 85,4 -3% YTD 6,2 82,6 93,3 6,2 ~0% YTD 0,6 90,1 0,6 7,9 76,9 7,5 +2% YTD 5,2 73,1 0,7 83,0 82,9 7,8 71,5 78,6 0,5 70,0 0,5 0,5 7,4 5,6 6,7 65,8 5,4 7,9 16,3 6,3 0,6 5
Slide 34: Consolidated Statement of the Financial Standing of the Alior Bank Group
CONSOLIDATED STATEMENT OF THE FINANCIAL STANDING OF THE ALIOR BANK GROUP (PLN MN) 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 % q/q q/q % y/y y/y Total assets 96 589,4 99 467,6 97 742,1 101 775,0 104 718,2 3% 2 943,2 8% 8 128,8 Cash and cash equivalents 5 357,5 5 530,4 3 382,7 4 062,9 1 570,5 -61% -2 492,4 -71% -
Slide 35: New Sale of Loans (PLN mn)
NEW SALE OF LOANS (PLN MN) Sales in the Business Customer Segment* -36% -50% 2 769 2 773 2 446 2 521 2 347 2 432 2 184 1 885 1 389 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 Sales in the Retail Customer Segment +18% +1% 5 219 5 264 4 557 4 717 4 621 4 455 4 448 1 965 2 310 +6% y/y 1 571 3
Slide 36: Additional Information
ADDITIONAL INFORMATION Employment (FTEs) Alior Bank’s branches -379 -39 -20 -6 (-5%) (-1%) (-4%) (-1%) 493 487 486 479 7 055 473 6 906 6 779 6 715 6 677 486 480 474 479 500 +3% y/y 175 168 168 168 166 -5% y/y 6 569 6 425 6 304 6 236 6 177 -6% y/y 318 319 318 311 307 -3% y/y 1Q 25 2Q 25 3Q 25 4Q 25 1
Slide 37: Alior Bank S.A. – Stock Performance, Shareholding Structure, Ratings
ALIOR BANK S.A. – STOCK PERFORMANCE, SHAREHOLDING STRUCTURE, RATINGS Alior Bank’s share price compared to WSE indices (comparable data for 12 months) 150 Alior Bank share price : PLN 110.65 140 (data as of March 31, 2026) -7.6% y/y Capitalization : PLN bn 14.4 130 Value of shares in free float: PLN
Slide 38: Contact
CONTACT Contact data Investor Relations and Subsidiaries Supervision Department Address details e-mail: ir@alior.pl Alior Bank S.A. Investor Relations and Subsidiaries Supervision Department ul. Chmielna 69 00-801 Warszawa More information Next events: Internet Website • Results for 1H 26 – August 4
Slide 39: Disclaimer
DISCLAIMER This data has been prepared by Alior Bank S.A. (“Bank”, “Company”) solely for the purpose of the Presentation. Any and all data that may constitute a projection for the Company’s future economic and financial results, contained in this presentation, has been prepared based on the Report o