Bnp Paribas Bank Polska Spolka Akcyjna · GPW:BNP
Bnp Paribas Bank Polska Spolka Akcyjna — BNP Paribas Bank Polska — H1 2026 Earnings Presentation
48 slides from Bnp Paribas Bank Polska Spolka Akcyjna's earnings presentation, Aug 12, 2026
Slide 1: Presentation of H1 2026 Results
12 AUGUST 2026 PRESENTATION OF H1 2026 RESULTS BNP PARIBAS BANK POLSKA SA GROUP 11/08/26 1
Slide 2: Agenda
Agenda 01 Key highlights 02 Macroeconomic environment 03 Financial results 04 Summary & Outlook 05 Business activities 06 Appendices
Slide 3: Key highlights
01 Key highlights 11/08/26 3
Slide 4: Key results of the BNP Paribas Bank Polska Group in Q2 2026
Key results of the BNP Paribas Bank Polska Group in Q22026 Successful strategy execution. Business growth in both segments. Improvement of quarterly results F I N A N C I A L R E S U LTS BUSINESS ACTIVITY ST R AT E G Y & T R A N S F O R M AT I O N • Growth of all NBI key categories • Retail Customer
Slide 5: Accelerate 2030 strategy
Accelerate 2030 strategy Strategy operationalization in H1 2026 Retail and Business Banking Corporate Banking1 Business Continued cooperation with retail sales market CIB: further strengthening of the 6M 2026 2030 leaders (Media Expert and RTV Euro AGD) and building leading position on the market, a
Slide 6: Customer business activity – sales & transactional volumes
Customer business activity – sales & transactional volumes Record-high sales levels of loans to Retail Customers. Growth in sales of personal accounts and Client transactionality. Increase in acquisition and transactionality of Customers in the SME and Corporate Banking Retail Banking q/q y/y Corpor
Slide 7: Loan and deposit volumes
Loan and deposit volumes Balanced growth of the loan portfolio between both Customer segments. Stable level of total deposits. Increase in acquisition and number of Customers Gross loans [PLN million] Customer deposits* [PLN million] Number of Customers [thous.] 140,888 136,579 136,557 128,812 128,0
Slide 8: Quarterly financial results
Quarterly financial results Growth in all key NBI categories, operating expenses under control. Slight increase in cost of risk due to geopolitical situation. Lower impact of CHF legal risk Net banking income [PLN million] Operating expenses [PLN million] Financial results (1,060) +3.1% q/q -21.8% q
Slide 9: Key financial ratios
Key financial ratios Improvement of ROTE and C/I ratios due to higher core revenues and cost control. Stabilization of net interest margin. Low cost of credit risk Cost / Income [%] Net interest margin on assets [%] Financial ratios 54.0% • Improvement of the quarterly C/I 3.54% 3.43% 3.33% 3.28% 3.
Slide 10: Macroeconomic environment
02 Macroeconomic environment
Slide 11: GDP, economic situation and inflation
GDP, economic situation and inflation Economic growth is gaining momentum; inflation risk on the rise again Macroenvironment The economy has been speeding up in the spring, and the growth outlook remains firm 75 14 10 Industrial production (% y/y) Construction output (% y/y) New industrial orders (%
Slide 12: Monetary policy, exchange rate and the banking sector
Monetary policy, exchange rate and the banking sector The Monetary Policy Council in ”wait-and-see” mode; credit demand remains strong Dovish signals from the MPC may weaken the zloty Macroenvironment -13 4.90 NBP main policy rate (%) Real NBP policy rate (%, inverted) 20 CPI inflation (% y/y) -10 E
Slide 13: Financial results
Financial results « ae ~~ i
Slide 14: Key financial data – Q2 2026
Key financial data – Q2 2026 Consistently increasing the scale of lending activity. Strengthening of own funds. Improvement in core revenues and net profit in Q2 2026. The impact of higher tax on the level of net profit in 2026 Financial results Volumes PLN billion 30.06.2026 change q/q change y/y P
Slide 15: Loan portfolio
Loan portfolio 52% Significant increase in Retail Customer loans due to record-high sales of mortgage and consumer loans. Continued growth of Institutional Customer loans share in total assets Gross Customer loans* [PLN million] Changes in the loan portfolio 97,372 +2.2% q/q +9.1% y/y Individual Cus
Slide 16: CHF mortgage loan portfolio
CHF mortgage loan portfolio Decrease in the number of new claims. Lower quarterly level of legal risk supported by a one-off adjustment of model parameters Gross CHF mortgage loans [PLN million] Number of settlements concluded with borrowers Share of CHF housing loans in the Bank's total loan portfo
Slide 17: Customer deposits
Customer deposits 76% Stabilization of total deposits. Increase in institutional Customer deposits after a seasonal outflow at the end Q1. Optimization of deposit margins in the Retail segment – a decrease in deposits with a alongside the structure improvement share in total liabilities and equity C
Slide 18: Investment products
Investment products Further growth in the value of investment products, primarily investment fund assets Investment products [PLN million] Increase in the value of investment funds, Customers’ assets on brokerage accounts and DPM +6.0% q/q • Significant increase in the value of funds invested in the
Slide 19: Net interest income
Net interest income 72% Increase in net interest income and stabilization of NIM due to optimization of cost of financing and growth of loan portfolio share in NBI Net interest income [PLN million] Net interest income and expenses [PLN million] -1.9% y/y -0.6% y/y +1.3% q/q +1.3%*q/q 6 482 2,968 2,9
Slide 20: Net fee and commission income
Net fee and commission income 17% Very good result above the normalized quarterly level. Positive impact of large transactions in the CIB area and the increase in transactionality in the Retail Banking share in NBI Net fee and commission income [PLN million] Fee and commission income and expenses [P
Slide 21: Net trading income
Net trading income 10% Slightly higher net trading income on a quarterly basis, among others, due to the valuation of financial instruments in the ALMT area, while delivering stable results on FX transactions with Customers share in NBI Net trading income [PLN million] Margin on FX and derivative tr
Slide 22: Operating expenses, depreciation and amortization
Operating expenses, depreciation and amortization Stable normalized cost base on a quarterly basis. Decline resulting from the lack of one-off regulatory costs Operating expenses [PLN million] Changes in operating expenses +7.1% y/y +5.3% y/y -21.8% q/q • Growth in costs H1 2026 vs H1 2025 mainly du
Slide 23: Net allowances on expected credit losses
Net allowances on expected credit losses Cost of risk confirming high quality and resilience of the loan portfolio Cost of risk by segment [PLN million] Net allowances on expected credit losses in Q2 2026 amounted to PLN -81 million, translating into cost of risk at the level of 34 bps +1488.3% y/y
Slide 24: Loan portfolio quality
Loan portfolio quality Gradual decline in NPL share in the loan portfolio Total loans – share of NPLs* in the portfolio measured Loans to Individual Customers – share of NPLs* at amortised cost NPL ratio for both loan portfolios in total (measured at fair value and at amortized cost) was 2.7% at the
Slide 25: Loan portfolio quality
Loan portfolio quality Stable loan portfolio quality, adequate provision coverage ratios Share of each Stage in the gross loan portfolio* Provision coverage for the gross loan portfolio – Stages 1 & 2 and POCI performing 86.4% 86.8% 88.0% 87.9% 87.4% Stage 1 6.7% 6.7% 6.2% Coverage Stage 2 & 5.3% 5.
Slide 26: Capital adequacy
Capital adequacy Improvement of the capital position supporting further growth of the lending activity. Capital ratios significantly above regulatory requirements. 17.44% 17.51% 16.86% 16.79% 18.02% TCR and Tier 1 above the minimum regulatory requirement Total own funds as at the end of Q2 2026: +6.
Slide 27: Summary & Outlook
} 8 Summary == & Outlook
Slide 28: Medium-term outlook
Medium-term outlook Operationalization and implementation of the defined strategic priorities of the Bank while addressing sector-wide challenges. Robust economic outlook despite potential impact of geopolitical risk • The geopolitical situation resulting in the persistence of high volatility on glo
Slide 29: Business activities
05 Business activities
Slide 30: Retail and Business Banking
Retail and Business Banking Sales growth for the majority of products. Ongoing development of the electronic banking 2.8 million +67-59 thous. Retail & Business thous. -2.1% y/y +2.5% q/q functionalities Customers* Business development New product offer Sales of personal accounts Acquisition of Indi
Slide 31: Retail and Business Banking
Retail and Business Banking Segment's share in the Group's 49% Slightly higher gross profit due to the lower impact of CHF portfolio legal risk net banking income Gross profit/loss structure [PLN million] Net loan portfolio* [PLN million] +6.2% y/y +2.2% q/q 43,055 43,773 43,785 44,731 42,137 783 Gr
Slide 32: Corporate Banking, SME & CIB
Corporate Banking, SME & Corporate and 12.6 thous. Corporate Customers 21.7 thous. SME Customers Institutional Banking (CIB) + 0.3 thous., +2.3% y/y - 0.3 thous., -1.3% y/y - 0.3… + 0.2 thous., +1.2% q/q + 0.1 thous., 0.4% q/q Focus on addressing Customers’ needs and service quality Business develop
Slide 33: Corporate Banking, SME & CIB
Corporate Banking, SME & CIB Segments’ share in the Group's 42% net banking income Lower gross profit mainly due to a decline in net trading income in the CIB area, pressure on interest margins and higher cost of risk Gross profit/loss structure [PLN million] Net loan portfolio* [PLN million] +13.2%
Slide 34: Sustainability and Agribusiness Area
Sustainability and Agribusiness Area Food & Agri Energy transition & decarbonization, sustainable agri-food sector 74.2 74.2…thous. thous. Customers Business development Sales and customer relations activities Food & Agri volumes 30.06.2026 Corporate • Preferential loan from the EIB for Silesia, wit
Slide 35: Bank subsidiaries
Bank subsidiaries Increase of investments in equity funds in Q2 2026. Lease assets barely unchanged BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A. Assets under management of BNPP TFI [PLN million] 11,267 10,318 10,588 • The value of assets under management (AuM) at the end of Q2 2026 amounted
Slide 36: Appendices
06 Shares of BNP Paribas Bank Polska S.A. #GOdigital – statistics Appendices Material events 2024-2026 Loan portfolio Deposit base structure Liquidity Net banking income Profit and Loss Account Assets, Liabilities and Equity
Slide 37: Shares of BNP Paribas Bank Polska S.A.
Fitch rating (update on 13 May 2026) Shares of BNP Paribas Bank Polska S.A. Long-Term Issuer Default Rating (LT IDR) – A+ with a Negative Outlook Dividend payout from the 2025 net profit (~50%, DPS: PLN 10.20) in May. Increase of the stock liquidity Short-Term Issuer Default Rating (ST IDR) – F1+ re
Slide 38: #GOdigital – statistics
#GOdigital – statistics Continuation of the trend of increasing the number of e-banking and mobile banking users Customers using digital channels [thous.] Number of tokens in digital wallets [thous.] +1% q/q +3% q/q 1,704 1,724 1,750 651 674 656 675 698 1,674 1,674 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 +5%
Slide 39: Material events
Material events in individual reporting periods 1st quarter 2nd quarter 3rd quarter 4th quarter • PLN -108.2 m - CHF mortgage loan • PLN -41.4 m - CHF mortgage loan portfolio legal risk impact portfolio legal risk impact 2026 • PLN -238.9 m - BGF restructuring fund contribution recognized in the Q1
Slide 40: Loan portfolio
Loan portfolio Structure of loans in the Individual and Institutional Customer segments Individual Customer loans [PLN million] Institutional Customer loans** [PLN million] +7.9% y/y +2.8% q/q +9.7% y/y +1.9% q/q 60,794 61,945 57,611 59,131 56,450 185 358 170 218 34,428 34,477 35,427 72 32,830 33,83
Slide 41: Deposit base structure
Deposit base structure Term structure of deposits and by Customer segment Deposit term structure [PLN million] Deposit structure by Customer type [PLN million] 67.5% 69.5% 64.7% 68.0% 69.5% net loans / deposits +6.0% y/y -0.0% q/q +6.0% y/y -0.0% q/q 140,888 136,579 140,888 136,557 136,579 136,557 1
Slide 42: Liquidity
Liquidity Stable and diversified deposit base, high level of liquid assets Customer deposits [PLN million] Customer deposit structure [%] 140,888 136,579 136,557 128,812 128,052 30.06.26 69.0% 30.0% 1.0% Share 31.03.26 66.2% 32.8% in total liabilities 76.4% 76.0% 78.0% 77.0% 75.5% -0.0% q/q 1.0% Cur
Slide 43: Net banking income
Net banking income Impact of interest rate cuts and the lack of one-offs comparable to last year within the net trading income on the decline in NBI [P LN millio n] 6 M 20 26 6 M 20 25 c hang e Net inter est income 2,910 2,968 (1.9%) • Y/Y decrease in net interest income related to the negative impa
Slide 44: Consolidated P&L
Consolidated P&L PLN thous. Profit and loss account 30.06.2026 30.06.2025 Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 Inter est income 4,5 42,90 7 5 ,0 0 5 ,943 2,26 2,6 94 2,28 0 ,213 2,416 ,776 2,45 0 ,195 2,491,735 Inter est expenses (1,6 32,48 6 ) (2,0 38 ,276 ) (798 ,0 8 7) (8 34,399) (948 ,95 2) (
Slide 45: Assets
Assets PLN thous. Consolidated statements of financial position 30.06.2026 31.03.2026 31.12.2025 30.09.2025 30.06.2025 ASSETS Cash and balances with the Centr al Bank 9,558,086 10,372,394 10,224,866 6,916,304 7,556,716 Amounts due fr om banks 6,554,410 5,347,040 11,616,566 5,946,747 9,392,969 Der iv
Slide 46: Liabilities and equity
Liabilities and equity PLN thous. Consolidated statements of financial position 30.06.2026 31.03.2026 31.12.2025 30.09.2025 30.06.2025 LIABILITIES Amounts due to the Centr al Bank - - - - - Amounts due to other banks 10,044,641 10,189,219 10,145,231 10,680,231 10,614,897 Adjustment of fair value of
Slide 47: Disclaimer
Disclaimer • This presentation constitutes neither a sales offer nor an invitation to submit an offer to purchase or buy securities or financial instruments issued by BNP Paribas Bank Polska S.A. (“Bank”), nor any advice or recommendation with respect to the securities or other financial instruments
Slide 48: Contact
CONTACT Investor Relations and ESG Reporting Bureau 2 Kasprzaka Street, 01-211 Warsaw relacjeinwestorskie@bnpparibas.pl www.bnpparibas.pl/en/investor-relations BNP Paribas Bank Polska Spółka Akcyjna, with its registered office in Warsaw at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of
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