Erste Bank Polska S.a. · GPW:EBP
Erste Bank Polska — H1 2026 Earnings Presentation
30 slides from Erste Bank Polska's earnings presentation, Jul 30, 2026
Slide 1: Erste Bank Polska Group H1 26 results presentation
ERSTE BANK POLSKA GROUP H1 26 results presentation Warszawa, 30 July 2026 Michał Gajewski, CEO, Erste Bank Polska Maciej Reluga, Vice President of the Management Board, Erste Bank Polska Bernhard Leder, CFO, Erste Bank Polska a
Slide 2: Disclaimer
DISCLAIMER 1. This presentation may contain forward-looking statements including, without limitation, statements concerning future business development and financial performance. These forward-looking statements: ▪ represent our judgment and future expectations concerning the development of our busi
Slide 3: Agenda
Agenda 1. Executive Summary 2. Financial performance 3. Attachments 3
Slide 4: Results Summary H1 2026
RESULTS SUMMARY H1 2026 Erste Bank Polska Group General operational data Key volumes Market PLNbn YoY share Branches 305* Gross loans 177 8% 11.1% Employment 10.2k Deposits 246 11% 10.3% Customers 6.1m Customer funds 279 13% Digital Customers 4.1m Assets 323 3% * The number of branches does not incl
Slide 5: Results Summary H1 2026
RESULTS SUMMARY H1 2026 PLN m Erste Bank Polska Group Key financial results Financial ratios PLNm YoY Capital position Strong Capital Net interest income 6 164 -3% TCR 19.43% position significantly TIER 1 19.17% above the KNF requirements Net F & C 1 539 +5% Performance Total Income 8 052 +1% ROE 19
Slide 6: Customers in numbers
RESULTS SUMMARY H1 2026 Customers in numbers Retail customers SME customers Corporate customers 5.5m customers +1% YoY 28.0k customers 0.2% YoY 609k customers +11% YoY 480k Platinum +15% YoY customers 21.9k Digital customers -1% YoY 3.6m digital 443k digital +5% YoY +10% YoY customers customers 7.3k
Slide 7: Selected business data
RESULTS SUMMARY H1 2026 Selected business data Retail customers SME Customers BCB customers CIB Customers 4.9m +17% YoY +64% YoY +22% YoY +8% YoY +11% YoY +144% YoY +143% YoY Personal Customers New business New SME Loans Income on Income from Income from accounts acquisition accounts loans volumes e
Slide 8: Agenda
Agenda 1. Executive Summary 2. Financial performance 3. Attachments 8
Slide 9: Gross loans
FINANCIAL PERFORMANCE H1 2026 PLN m Gross loans Gross loans Gross loans - structure +8% ◼ The loan portfolio increased by 8% YoY and +3%QoQ. 169 023 171 969 176 757 163 315 164 822 11% ◼ New mortgage loans in Q2 2026: +71% vs. Q2 2025; 32% 91 839 95 020 ◼ New cash loans in Q2 2026: 86 048 86 151 89
Slide 10: Customer funds
FINANCIAL PERFORMANCE H1 2026 PLN m Customer funds Deposits Deposits- structure +11% ◼ Total deposits +11% YoY and +8% QoQ. ◼ Deposits from individual customers 221 040 220 947 230 143 228 069 246 155 5% 13% increased by 4% YoY and by 1% QoQ. Current deposits +4% QoQ and term deposits -8% QoQ. 99 16
Slide 11: Net interest income and net interest margin
FINANCIAL PERFORMANCE H1 2026 PLN m Net interest income and net interest margin Net interest income Net interest margin* 4.89% 4.88% 3 178 3 195 3 154 3 063 3 102 4.64% 4.53% 4.49% 4.39% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 NIM NIM* ◼ In the first half of 2
Slide 12: Net fee and commission income
FINANCIAL PERFORMANCE H1 2026 PLN m Net fee and commission income Net fee income ◼ In H1 2026, net fee and commission 744 725 752 772 768 income amounted to PLN 1.5bn, Cards 29 27 25 31 35 increasing by 5% YoY. 147 146 165 170 Transactional 135 142 125 167 146 171 ◼ In Q2 2026 net fee income slightl
Slide 13: Total income
FINANCIAL PERFORMANCE H1 2026 PLN m Total income Total income ◼ The Group's total income in H1 2026 4 054 3 998 4 014 3 995 4 057 amounted to PLN 8bn, an increase of 1% 132 78 108 188 YoY. Quarterly income was up by 2%. 161 744 725 752 772 768 Net Interest Income ◼ Interest income decreased by 3% Yo
Slide 14: Operating expenses
FINANCIAL PERFORMANCE H1 2026 PLN m Operating expenses Operating expenses ◼ Total costs in H1 2026 amounted to PLN 3bn, an increase of 22% YoY. 1 685 Other Costs 55 128 1 343 ◼ In 2026, contributions to the Bank Guarantee Fund (BFG) increased to PLN 436m (resolution fund) in H1 2026 vs. 1 249 1 110
Slide 15: Credit risk provisions and credit portfolio quality
FINANCIAL PERFORMANCE H1 2026 PLN m Credit risk provisions and credit portfolio quality Net provisions Cost of credit risk 196 146 144 123 106 0.37% 0.37% 0.33% 0.33% 0.35% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 NPL ratio NPL sales 194 180 169 164 4.0% 3.9% 9
Slide 16: Results in H1 2026
FINANCIAL PERFORMANCE H1 2026 PLN m Results in H1 2026 Results in H1 2026* ◼ Profit before tax in H1 2026 amounted to PLN 3.7bn, and PAT to PLN 2.2bn. H1 2026 H1 2025 YoY ◼ After excluding integration, rebranding, and BFG costs, the comparable PBT emained at a stable level YoY up by Net interest and
Slide 17: Agenda
Agenda 1. Executive Summary 2. Financial performance 3. Attachments 17
Slide 18: Our communication
KOMUNIKACJA MARKETINGOWA Our communication Campaigns Targeting the SME Segment Digital & Social Media Activities Campaigns targeted at the Mass segment • “A Lighter Start for Your Business with Erste” was the first major campaign aimed at entrepreneurs following the rebranding. At Our social media p
Slide 19: Our People
PEOPLE Our People HR Digitalization Organisational Culture ▪ In H1 2026, we launched Ada, the first AI solution developed internally to support the ▪ In the first half of 2026, the bank’s rebranding process was completed. Business Human Resources Administration and Payroll teams. Ada helps streamlin
Slide 20: Balance sheet
BALANCE SHEET DEVELOPMENT PLN m Balance sheet Asset development in Q2 2026 Liabilities development in Q2 2026 322,6 18,1 3,1 6,7 6,1 322,6 3,5 4,8 6,8 1,8 1,3 304,4 304,4 31 Mar 2026 Δ Cash Δ Loans to Δ Trading Δ Financial Δ 30 Jun 2026 31 Mar 2026 Δ Customer Δ Equity Δ Debt securitiesΔ Other liabil
Slide 21: Net profit impacted by higher CIT and regulatory costs
P&L DEVELOPMENT PLN m Net profit impacted by higher CIT and regulatory costs QoQ net profit development YoY net profit development 3 112 42 552 126 3 477 39 361 7 341 47 1 173 2 201 58 3 1 028 62 8 Net Profit Δ OperatingΔ Operating Δ Risk Δ FX Δ Other Δ Taxes on Δ Minorities Net Profit 1Q 2026 incom
Slide 22: Strong capital position and balance sheet metrics
RATIOS Strong capital position and balance sheet metrics Loan/deposit ratio Liquidity ratios 216.18% 73.6% 204.91% 200.78% 72.0% 72.7% 191.55% 195.50% 70.8% 70.1% 162.54% 147,07% 150,61% 152,42% 147,01% LCR NSFR 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.06.2025 30.09.2025 31.12.2025
Slide 23: Efficiency, profitability, and risk ratios
RATIOS Efficiency, profitability, and risk ratios Net interest margin NIM Cost/income ratio C/I Return on equity ROE 4.89% 4.88% 42.2% 4.64% 37.6% 4.53% 31.1% 23.6% 4.49% 27.4% 28.3% 21.9% 21.6% 19.9% 19.0% 4.39% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q2 2025
Slide 24: Robust capital ratios with significant surplus
WHOLESALE FUNDING AND CAPITAL: CAPITAL AND RISK-WEIGHTED ASSETS (RWA) Robust capital ratios with significant surplus Basel 3 capital (phased-in) Risk-weighted assets (phased-in) in PLN bn in PLN bn 2.6% - 4.5% 28.1 27.7 27.5 148.3 148.9 141.7 26.8 26.9 139.5 0.6 0.4 3.6 3.5 132.7 0.4 21.9 2.8 2.8 1.
Slide 25: Capital ratios significantly above regulatory requirements
WHOLESALE FUNDING AND CAPITAL: CAPITAL AND RISK-WEIGHTED ASSETS (RWA) Capital ratios significantly above regulatory requirements Basel 3 capital ratios (reported, phased-in) MREL ratio High capital ratios, reflecting the Bank’s strong capital position, MREL ratio 24.8% vs. regulatory requirement of
Slide 26: Retail banking
RETAIL BANKING PLNm Retail banking Cash loans portfolio (gross) Mortgage loans and advances portfolio (gross) SME financing portfolio (Loans & Leasing) (gross) ◼ PLN mortgage loans portfolio +5% YoY +10% ◼ FX mortgage loans portfolio: -22% YoY +4% +4% 18 938 19 822 20 373 19 283 18 558 18 490 18 978
Slide 27: Leasing
LEASING PLNm Leasing ◼ Leasing portfolio: PLN 16.7bn, +3% YoY Portfolio ◼ Excellent result in the corporate segment: the financing portfolio +3% grew by 24% YoY, reaching value of PLN 1.4bn ◼ 10% YoY increase in the number of clients 16 572 16 748 16 504 16 448 16 249 Erste Leasing was awarded the p
Slide 28: Factoring
FACTORING PLNm Factoring Portfolio +13% ◼ Factoring company takes first place on the market in terms of the balance sheet in in H12026. ◼ Factoring ranks the second in payables financing (17% market 10 220 share). 9 045 8 771 8 639 8 959 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 Turnove
Slide 29: Key financial ratios
KEY FINANCIAL RATIOS Key financial ratios 1. Net interest income annualised on a year-to-date basis (excluding interest income from the portfolio of debt securities held for trading and other exposures H1 2026 H1 2025 related to trading) to average net earning assets as at the end of consecutive qua
Slide 30: Thank You
Thank You Contact details Maciej Reluga, Vice President of the Management Board, Erste Bank Polska maciej.reluga@erste.pl Agnieszka Dowżycka, Head of Investor Relations, Erste Bank Polska agnieszka.dowzycka@erste.pl