Slide 1: Summary of results for H1 2025
Summary of results for H1 2025 September 5, 2025 | OGOLNOPOLSKI DEWELOPER www.atal.pl
Slide 2: Agenda
Agenda + | OPERATING ACTIVITIES Investments in progress and in the pipeline Sales of flats Offer Handovers New lands Dividend Projects under construction - potential of handovers NOUR WN> CONSOLIDATED FINANCIAL RESULTS Profit and loss account Ballance sheet Structured of debt maturity Business finan
Slide 3: Operating activities
Operating activities
Slide 4: Investments in progress and in the pipeline
Operating activities Investments in progress and in the pipeline NUMBER OF PROJECTS PROJECTS NUMBER OF FLATS TSA (m2) . In progres 5 1625 98 061 El Poznan Planned 5 1446 79536 In progres 7 1580 86 123 Wroctaw Planned 4 248 17 245 . In progres 8 2331 137745 Aglomeracja Slaska g Ja sa Planned 5 1690 9
Slide 5: Sales of flats
Operating activities Sales of flats Annual number of flats sold 2019-2025 4258 3180 2896 | 2833 20s | 2068 | 2019 2020 2021 2022 2023 2024 Number of flats sold as divided by quarters 940 735 757 n 582 552 376 385 [ ; 354 22022 3Q.2022 4Q 2022 1Q 2023 2Q 2023 3Q.2023 4Q 2023 19.2024 2Q.2024 3Q.2024 a
Slide 6: Offer
Operating activities Offer 2019 4083 2020 Number of flats offered in years 2019-2025 3104 2021 7636 4519 2023 2024 6615 1H 2024 8688 1H 2025
Slide 7: Handovers volume in H1 2025
Operating activities Handovers volume in H1 2025 Number of handed over flats by city Lodz 181 ——--— Trdjmiasto 9 Poznan 30 — Aglomeracja Slaska 52 4 Krakow 4 Warszawa 94 —— Wroctaw 240 Handovers volume in H1 2025 city APARTMENTS / SERVICE PREMISES Krakow 4 Warszawa 94 Wroctaw 240 Aglomeracja Slaska
Slide 8: Handovers volume in H1 2025
Operating activities Handovers volume in H1 2025 Number of handed over flats in years 2019 - 2025 3700 3002 2806 2460 1769 2019 2020 2021 2022 50% 1 ae 1H 2024 610 1H 2025
Slide 9: Handovers volume in H1 2025
Operating activities Handovers volume in H1 2025 Handovers volume - TSA thou. m2 70,1 —— 1H 2024 YEAR 2019 2020 2021 2022 2023 2024 1H 2024 1H 2025, TSA THOU. M2 98,4 164.7 213,5 196,9 159,0 146,9 70,1 32,5
Slide 10: New lands
Operating activities 10 New lands Funds allocated to land purchase in years 2019 - 2025 373 min PLN 402 tys. PUM 336 min PLN 206 tys. PUM 203 min PLN 141 tys. PUM 194 min PLN 227 tys. PUM 108 min PLN 89 min PLN 59tys. PUM 164 tys. PUM 51min PLN | 86 tys. PUM 2019 2020 2021 2022 2023 2024 1H 2025 Lan
Slide 11: Dividend
Operating activities N Dividend Dividend paid for 2015 - 2024 259 238 7 181 137 65 24 2015 «201% «= 2017_—-«2018_— 2019S «2020S 2021S 2022) 2023-2024 Dividend paid for 2024 Dividend rate: 9,5 % ‘on 15.07.2025 - dividend day Nominal amount of the dividend: PLN 237.9 million, wchich represents 86% of
Slide 12: Projects under construction - potential of handovers
ATAL City Square IV Wrocław 15 403 326 I kw. 2025 Nowe Miasto Polesie IV a Łódź 12 051 211 I kw. 2025 Osiedle Poematu II Warszawa 7 920 144 II kw. 2025 Na Opoczyńskiej Wrocław 4 949 90 II kw. 2025 Ogrody Andersa Katowice 6 175 114 II kw. 2025 ATAL Olimpijska bud. A Katowice 14 542 225 II kw. 2025 Kr
Slide 13: Projects under construction - potential of handovers
Olimpijska bud. C Katowice 14 219 220 I kw. 2026 Francuska Park IX Katowice 10 334 168 I kw. 2026 Żerniki na Novo I Wrocław 16 717 296 I kw. 2026 Galaktyczna Gdańsk 7 630 144 I kw. 2026 Osiedle Przyjemne I Gdańsk 3 138 72 I kw. 2026 2 709 ATAL Jasieny Gdańsk 48 I kw. 2026 9 105 Osiedle Poematu III W
Slide 14: Projects under construction - potential of handovers
ATAL Strachowicka II Wrocław 16 400 301 III kw. 2026 Naramowice Odnova II Poznań 29 476 486 III kw. 2026 Przewóz 42 II Kraków 7 581 126 III kw. 2026 Osiedle Przyjemne II Gdańsk 5 012 107 III kw. 2026 Osiedle Przyjemne III Gdańsk 3 626 79 III kw. 2026 6 088 Osiedle Przyjemne IV Gdańsk 111 III kw. 202
Slide 15: Projects under construction by city
Trójmiasto 9 88 421 1 612 Wrocław 6 36 912 607 Warszawa 7 70 899 1 305 Katowice 8 116 665 2 074 Łódź 4 111 746 2 019 Kraków 9 131 771 2 359 Poznań 6 95 649 1 708 Szczecin 2 18 370 317 51 670 433 12 001
Slide 16: Consolidated financial results
Consolidated financial results
Slide 17: Profit and loss account
7 Consolidated financial results Consolidated financial results Profit and loss account Gross margin on sales PLN THOU. 30.06.2024 30.06.2025 VAR. 4,1 Revenuesfrom sale of products, goodsand materials 701281 390161 44% 340% Costs of products, goods and materials sold 4 257250 28,6% Grossresult of sa
Slide 18: Gross and net margin by quarters
18 Consolidated financial results Consolidated financial results Gross margin on sales by quarters 39,1% 35,4% atid 317% i “em 25.2% 25.8% “ne 25,7% 23,8% | I | I | : 2Q.2022 302022 42022 102023 22023 3Q2023 42023 1Q2024 202024 32024 4Q2024 102025 2Q2025 28,4% Net margin by quarters 287% 28, 26,0% 2
Slide 19: Balance sheet
Consolidated financial results 19 Consolidated financial results Balance sheet PLN THOU. Assetsin total Fixed assets Currentassets Liabilities and capitalin total Equity Liabilitiesin total Longtermliabilities Shortterm liabilities PLN THOU. Net Debt Ratio for the Group 31.12.2024 3799 642 194.820 3
Slide 20: Main items of the financial results
Consolidated financial results 20 Main items of the financial results in PLN million Inventory 4215 3384 2668 2328 2324 2.495 952 2020 2021 2022 2023 2024 1H 2025 2020 Cash 620 495 l 398 1841 242 | 127 127 2020 2021 2022 2023 2024 1H 2025 2020 1166 2021 1950 2021 Equity 1700 1302 2022 2023 Liabiliti
Slide 21: Inventory breakdown
Consolidated financial results Consolidated financial results in PLN million Inventory 3384 2024 4215 1H 2025 Work in progress 3912 3189 2024 1H 2025 Finished products 194 2024 300 1H 2025
Slide 22: Structure of debt maturity as at 30.06.2025
22 Consolidated financial results Structure of debt maturity as at 30.06.2025 532 495 380 200 250 ~ a 2025 2026 2027 [Bonds Loans granted by the shereholder HB Bank toans + After June 30, 2025, loans were received from the main shareholder in the total amount of PLN 400 million + After June 30, 2025
Slide 23: Business financing sources
Consolidated financial results 23 Business financing sources in PLN million Prepayments from customers Equity 1559 Corporate bonds390 * y — Bank loans 367 Loans granted by -- the shereholder 650 BUSINESS FINANCING SOURCES AS AT 30.06.2025 Equity Bank loans Loans granted by the shereholder Corporate
Slide 24: Our achievements
24 Our achievements * Start of construction works for 7 projects (957 flats) = Sales lauched for 11 investments (1738 flats) = Construction works finalised for 9 investments (1403 flats)
Slide 25: Appendix
Appendix
Slide 26: Appendix
Appendix 26 ATAL S.A. is one of Poland's leading developers. It specializes in housing estates, single multi-family houses located in Poland's largest cities. It is since June 2015 that the shares of ATAL S.A. have been officially listed on the Warsaw Stock Exchange. ATAL’s founder and leading share
Slide 27: ATAL S.A. capital group
ATAL S.A. Apartamenty ATAL Construction Sp. z o.o. 100% 100% Ostródzka Sp. z o.o. komandytariusz komplementariusz jednostka stowarzyszona Atal Construction Sp. z o.o. Sp. K. 100% ATAL Development GmbH Niemcy 49%
Slide 28: Management Board
Appendix Management Board Zbigniew Juroszek President of ATALS.A. ATALS.A’'s founder and main shareholder Responsible for determining the development direction and the implementation of the given strategy in the entire ATALS.A. Group 30 years of professional experience, 20 years of professional expe
Slide 29: Investments introduction to sale
Hipoteczna Park Łódź 219 I kw. 2025 Skwer Harmonia II Kraków 251 I kw. 2025 Ogrody Andersa III Katowice 193 I kw. 2025 Strefa Cegielnia III Kraków 137 I kw. 2025 Gdańsk 172 II kw. 2025 Niebieski Bursztyn II Poznań 262 II kw. 2025 ATAL Parkowa Gdańsk 48 II kw. 2025 ATAL Jasieny Katowice 191 II kw. 20
Slide 30: Projects completed
ATAL City Square IV Wrocław 326 I kw. 2025 Osiedle Poematu II Warszawa 144 I kw. 2025 ATAL Strachowicka I Wrocław 105 I kw. 2025 Ogrody Andersa Katowice 114 I kw. 2025 Kowale Apollina Gdańsk 60 II kw. 2025 Na Opoczyńskiej Wrocław 90 II kw. 2025 Oilmpijska Bud. A Katowice 225 II kw. 2025 ATAL Aura II
Slide 31: ATAL S.A.
ATALS.A. ul. Stawowa 27 43-400 Cieszyn tel.: (+48) 33 857 59 12 fax: (+48) 33 857 59 02 ri@atal.pl OGOLNOPOLSKI DEWELOPER