Slide 1: Presentation of Results for 1H 2026
PRESENTATION OF RESULTS FOR 1H 2026 ALIOR BANK S.A. | AUGUST 4, 2026
Slide 2: Agenda
AGENDA 1 Introduction – key results 2 Operating activities ▪ Retail customers ▪ Business customers 3 Credit risk 4 Financial results 5 Other issues
Slide 3: Introduction
1 INTRODUCTION
Slide 4: Key results of Alior Bank Group in 2Q
KEY RESULTS OF ALIOR BANK GROUP IN 2Q 26 GROWTH IN THE SCALE OF OPERATIONS Key indicators 2Q 26 / 2Q 25 +48% Sales of mortgage loans granted to retail customers amounted to nearly PLN bn 2 in 2Q 26 PLN BN 1.37 40.3% C/I +4.3 pp. +12% Total new sales in the retail customer segment amounted to PLN bn
Slide 5: Basic volume data
BASIC VOLUME DATE Assets +7.2 PLN bn (+7%) Performing loans** +3.6 PLN bn (+6%) Deposits* +7.3 PLN bn (+9%) (PLN bn) (PLN bn) (PLN bn) 106,6 104,7 66,2 65,7 86,9 101,8 85,4 99,5 63,9 82,6 97,7 63,2 80,6 62,5 79,6 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q
Slide 6: Operating activities
2 OPERATING ACTIVITIES
Slide 7: Growth of loan sales to retail customers
GROWTH OF LOAN SALES TO RETAIL CUSTOMERS Mortgage loans (PLN bn) Sale of non-mortgage loans(PLN bn) +0.64 PLN bn (+48%) -0.05 PLN bn (-2%) 1,95 3,80 1,81 3,40 3,45 3,34 3,35 1,42 1,83 1,14 -23% y/y 1,32 1,30 1,01 1,28 1,32 +11% y/y 2,31 2,34 2,10 2,02 1,96 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4
Slide 8: Balance of loans and deposits retail customer segment
BALANCE OF LOANS AND DEPOSITS RETAIL CUSTOMER SEGMENT Balance of gross loans to retail customers (PLN bn) Balance of assets of retail customers (PLN bn) +3.0 PLN bn (+7%) +10.6 PLN bn (+15%) 44,8 45,3 80,5 43,9 78,4 0,4 42,3 43,1 0,4 74,3 7,6 71,8 0,3 7,4 69,9 0,4 0,3 7,2 7,0 8,1 8,6 7,0 20,8 20,1 8
Slide 9: Significant increase in number of customers and current accounts
SIGNIFICANT INCREASE IN THE NUMBER OF CUSTOMERS AND CURRENT ACCOUNTS (ROR) DEVELOPMENT OF THE MOBILE APP +0.11 mn (+7%) +5.9 k (+14%) 1,75 54,7 1,73 1,70 Number of relational 1,68 48,2 Number of new current 1,64 Customers (mn) 45,4 accounts - RORs (k) 42,3 42,8 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q
Slide 10: Investment services of Alior Bank Group
INVESTMENT SERVICES OF ALIOR BANK GROUP Net brokerage commissions of Balance of Customers’ assets – investments (PLN bn) Alior Bank’s Brokerage House (PLN mn) +2.8 PLN bn (+21%) +10.1 mln PLN (+47%) 16,13 15,13 15,51 14,38 31,7 13,30 +31% y/y 5,01 28,2 28,6 4,76 4,80 4,40 3,81 21,6 21,0 7,41 7,58 +9
Slide 11: Alior Mobile is becoming an important channel for investment products
ALIOR MOBILE IS BECOMING AN IMPORTANT CHANNEL FOR SERVING INVESTMENT PRODUCTS Increase in the number of +30% investment surveys New brokerage accounts +49% launched through the app Payments into investment fund registers carried out through +38% Alior Mobile 04.2026 05.2026 06.2026 *service availabl
Slide 12: Balance of loans and deposits of the business customer segment
BALANCE OF LOANS AND DEPOSITS OF THE BUSINESS CUSTOMER SEGMENT Gross loan products to business customers (PLN bn) Deposits of business customers (PLN bn) +1.4 PLN bn (+6%) -0.4 PLN bn (-2%) wo BSB +0.2 PLN bn (+1%) 23,0 23,2 23,5 22,5 22,6 27,0 26,2 26,1 24,7 24,4 2,2 +434% y/y 1,6 1,5 0,3 0,4 7,5 7
Slide 13: Quality of the loan portfolio of the business customer segment
QUALITY OF THE LOAN PORTFOLIO OF THE BUSINESS CUSTOMER SEGMENT Loan balance Micro / SME / Large (PLN bn) Gross loans to business customers* (PLN bn) Performing portfolio (managerial presentation) -0.6 PLN bn (-3%) -0.5 PLN bn (-3%) 18,4 18,4 18,3 14,9 14,7 14,8 17,7 17,8 14,2 14,4 2,5 2,7 2,2 2,3 2,
Slide 14: Growth in the business customer segment
GROWTH IN THE BUSINESS CUSTOMER SEGMENT Number of new current accounts (k) +0.2 k (+5%) 4,7 The share of relational business customers using digital banking at the end of 2Q 26 was 82.1% 3,9 4,0 3,8 3,9 The online share in the sales of accounts once again reached a high level and amounted to 65% in
Slide 15: Results of Alior Leasing
RESULTS OF ALIOR LEASING Leasing sales in 2Q 26 was the highest Sale of leases and loans (PLN bn) Leasing and loan portfolio* (PLN bn) ever. +246 PLN mn (+30%) +931 PLN mn (+14%) The share of individual asset classes remains stable. 7,7 7,4 1,06 7,0 7,1 The company's share in lease financing increas
Slide 16: Rewards and distinctions
REWARDS AND DISTINCTIONS Three distinctions in the IC Business Partner 2026 competition 2nd place in the Banking Stars Alior Bank's Internal Communication Responsible 2026 ranking Team won three distinctions in the IC Business Forum Business Partner competition: 3rd place Certificate Alior Bank took
Slide 17: Credit risk
3 CREDIT RISK
Slide 18: Capital and liquidity surplus well above regulatory minimums
STABLE AND SAFE POSITION OF THE BANK: CAPITAL AND LIQUIDITY SURPLUS WELL ABOVE REGULATORY MINIMUMS Regulatory ratios of Alior Bank Group Liquidity ratios of Alior Bank Group 21,60% 21,72% 258% 21,43% 245% 236% 20,75% 227% 20,07% 214% 17,85% 149% 152% 152% 17,65% 17,63% 17,57% 146% 146% 16,97% 2Q 25
Slide 19: Risk costs in a trend of consistent improvement
RISK COSTS IN A TREND OF CONSISTENT IMPROVEMENT Alior Bank Group – NPL ratio 14,48% The cost of risk ratio (CoR%) in the first half of 2026 was 13,16% 11,77% 0.71%, in line with the Bank’s previous communication. 9,80% The CoR level in 2Q 26 was due to the recognition of 8,58% impairment losses on t
Slide 20: Consistent improvement of credit risk
CONSISTENT IMPROVEMENT OF CREDIT RISK Impaired loans (PLN bn) NPL reserve coverage ratio* Cost of Risk – CoR%** 6,18% 6,29% 5,64% 5,39% 5,16% 0,74% 0,72% 0,67% 52,7% 51,9% 51,4% 4,16 50,4% 50,7% 3,94 0,20% 3,62 3,64 0,29% 3,37 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4
Slide 21: Financial results
4 FINANCIAL RESULTS
Slide 22: Stable stream of income despite decrease in interest rates
DESPITE A DECREASE IN INTEREST RATES, THE BANK GENERATES A STABLE STREAM OF INCOME Total revenue (PLN mn) -126 PLN mn (-4%) -158 PLN mn (-10%) +28 PLN mn (+1%)* -5 PLN mn (~0%)* 2 989 2 864 1 524 1 531 1 366 1 490 1 498 2 574 2 524 -2% y/y 1 289 1 296 1 265 1 248 1 276 -1% y/y +8% y/y 432 462 +7% y/
Slide 23: Net profit affected by one-offs
NET PROFIT AFFECTED BY ONE-OFFS Net profit (PLN mn) -347 PLN mn (-31%) -274 PLN mn (-43%) -250 PLN mn (-22%)* -177 PLN mn (-28%)* 1 116,5 687,7 640,2 866,3 -37 PLN mn (-9%) 562,8 +60 PLN mn (+15%)* 96,5 463,1 403,2 96,5 769,8 366,6 IH 25 IH 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 CJEU adjustment Reported N
Slide 24: Income statement influenced by revenue adjustment and higher tax rate
INCOME STATEMENT INFLUENCED BY AN ADJUSTMENT TO REVENUE* AND A HIGHER TAX RATE PLN mn 2Q25 2Q26 % y/y IH 25 IH 26 % y/y Net interest income, adjusted for the impact of Total Income, including: 1 524 1 366 -10% 2 989 2 864 -4% the adjustment resulting from the CJEU judgment, amounted to PLN bln 1.276
Slide 25: Increase in volumes stabilizes net interest income
DESPITE A DECREASE IN INTEREST RATES, THE INCREASE IN VOLUMES STABILIZES THE NET INTEREST INCOME Net interest income (PLN mn) Interest income and expenses (PLN mn) -167 PLN mn (-13%) -104 PLN mn (-6%) -14 PLN mn (-1%)** 289 1 754 1 743 1 296 1 289 1 296 1 265 1 276 11 650 265 11 633 248 1 122 650 1
Slide 26: Lower cost of financing limits impact on interest margin
AN EVER-LOWER COST OF FINANCING LIMITS THE IMPACT OF THE DECREASE IN INTEREST RATES ON THE INTEREST MARGIN NIM and CoF* L/D ratio 80,2% 78,5% 78,5% 5,74% 77,1% 5,61% 5,38% 76,6% 5,19% 5,11% 4,50% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 C/I ratio 1,74% 1,73% 1,53% 1,58% 42,1% 40,3% 1,48% 39,0% 37,9% 37,8% 37,7
Slide 27: Significant improvement of fees and commissions income
SIGNIFICANT IMPROVEMENT OF FEES AND COMMISSIONS INCOME (+8% Y/Y) Net Fees and Commissions Income (PLN mn) +30 PLN mn (+7%) +18 PLN mn (+8%) 462 234 240 241 The increase in brokerage commissions by 222 221 18 -9% y/y 432 36 -5% y/y 21 20 approx. PLN mn 10 y/y resulted mainly 19 18 from the growing vo
Slide 28: Another quarter with stable operating costs
ANOTHER QUARTER WITH STABLE OPERATING COSTS Operating costs (PLN mn) +16 PLN mn (+1%) +1 PLN mn (~0%) 1100 165 1100 182 100 631 86 87 +1% y/y 550 565 100 565 100 Operating costs 100 87 100 -% y/y 1100 080 1100 095 11 11 excluding BFG 11 100 100 100 554 544 100 551 costs 539 554 304 314 +3% y/y +6% y
Slide 29: Implementing strategy Alior Bank. Or nothing. for 2025-2027
WE ARE IMPLEMENTING OUR AMBITIOUS STRATEGY „ALIOR BANK. OR NOTHING.” FOR 2025-2027 Key indicators for 2Q 26 PLN BN 1.37 IN REVENUE -10% 2Q/2Q Scaling Up PLN BN 1.52 IN REVENUE* (~0% 2Q/2Q) PLN MN 367 IN PROFIT -43% 2Q/2Q 463 MILLION IN PROFIT* (-28% 2Q/2Q) High Resilience 11.5% ROE -10.5 pp. 2Q/2Q 1
Slide 30: Other issues
5 OTHER ISSUES
Slide 31: Manufacturing sectors stronger in 2Q 26
MANUFACTURING SECTORS STRONGER IN 2Q 26 GDP growth slowed down in 1H Inflation kept in check GDP growth (in real terms, %, y/y) and its composition (pp.), Poland CPI, Poland (%, y/y) 9 20 7 18 5 16 3 14 1 12 -1 10 8 -3 6 -5 4 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 2 konsumpcjaconsumption house
Slide 32: Global industry driven by investments
GLOBAL INDUSTRY DRIVEN BY INVESTMENTS Strong increase in hydrocarbon prices Global industry in recovery. But not in Germany Price change from the end of '25 (weekly averages) Industrial production dynamics (%, y/y, seasonal adjustment) 120% 4 100% 3 80% 2 1 60% 0 40% -1 20% -2 0% -3 -20% -4 lip 24 s
Slide 33: 2026: Recovery in a challenging surrounding
2026: RECOVERY IN A CHALLENGING SURROUNDING Moderate recovery in the economy and credit Stable rates with elevated inflation GDP and main components, Poland Inflation and interest rates, Poland 16 14 14 12 12 10 10 8 5,3 6 8 6,75 3,2 3,6 3,5 3,1 5,75 5,75 4 6 4,00 3,75 3,75 2 0,2 4 0 -2 2 14,4 3,6 3
Slide 34: Partnerships, social initiatives
PARTNERSHIPS, SOCIAL INITIATIVES Alior Bank's mentors in Strategic Sponsor 9. the SheLeads First Time Biomethane Congress Manager program Alior Bank has become a strategic sponsor of the 9. Biomethane Congress, one of the most important Alior Bank experts have joined the SheLeads First Time events d
Slide 35: Modernization of own branches, new branches in shopping malls
MODERNIZATION OF OWN BRANCHES, NEW BRANCHES IN THE LARGEST SHOPPING MALLS Alior Bank has debuted a new branch concept in the Manufaktura Shopping Center in Łódź. It is the first of the bank's own branches created according to a new concept that combines modern design, intuitive solutions, and custom
Slide 36: 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) +6% / +1%** +7% -1% +7% +1% -3% / -1%** 71 846 71 390 44 849 45 294 66 991 42 285 26 997 26 095 24 706 20 754 20 129 7 398 7 726 44 849 45 294 20 665 6 785
Slide 37: Bank manages deposit portfolio to optimize 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% +2% +14% +2% -2% 0% 85 414 86 878 64 284 22 993 22 542 22 595 62 872 425 79 591 638
Slide 38: Asset structure of Alior Bank Group
ASSET STRUCTURE OF ALIOR BANK GROUP (PLN BN) Alior Bank Group assets Receivables from customers (net) +36% +5% +22% +5% 106,6 101,8 68,6 10,1 +3% YTD 65,5 93,3 9,8 62,7 90,1 61,0 7,0 58,2 57,6 83,0 82,9 56,2 78,6 10,3 28,0 +5% YTD 24,4 +7% YTD 8,7 8,3 26,5 22,7 6,7 23,6 22,9 23,0 18,8 21,8 22,4 15,7
Slide 39: Liability structure of Alior Bank Group
LIABILITY STRUCTURE OF ALIOR BANK GROUP (PLN BN) Alior Bank Group liabilities Liabilities to customers* +36% +5% +32% +5% 106,6 101,8 86,9 -10% YTD 7,2 82,6 6,2 +17% YTD 0,6 93,3 0,6 7,4 90,1 76,9 7,5 -2% YTD 5,2 73,1 0,7 83,0 82,9 71,5 78,6 7,8 0,5 70,0 0,5 0,5 7,4 16,6 5,6 6,7 65,8 5,4 7,9 0,6 5,5
Slide 40: Income statement
INCOME STATEMENT PLN mn 2Q 25 1Q 26 2Q 26 % y/y IH 25 IH 26 % y/y y/y Total Income 1 523,8 1 498,1 1 365,6 -10% 2 989,3 2 863,7 -4% -125,6 Net interest income 1 289,1 1 248,2 1 122,4 -13% 2 573,9 2 370,7 -8% -203,3 Net fee and commission income 222,3 221,2 240,5 8% 431,6 461,7 7% 30,1 Other income 1
Slide 41: Consolidated statement of the financial standing
CONSOLIDATED STATEMENT OF THE FINANCIAL STANDING OF THE ALIOR BANK GROUP (PLN MN) 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 % q/q q/q % y/y y/y Total assets 99 467,6 97 742,1 101 775,0 104 718,2 106 635,7 2% 1 917,5 7% 7 168,0 Cash and cash equivalents 5 530,4 3 382,7 4 062,9 1 570,5 3 895,9 148% 2 325,4 -30% -
Slide 42: New sale of credit and loans
NEW SALE OF CREDIT AND LOANS( PLN MN) Sales in the Business Customer Segment* -18% +63% 2 769 2 773 2 446 2 521 2 432 2 347 2 184 2 258 1 885 1 389 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Sales in the Retail Customer Segment +12% +1% 5 219 5 264 5 298 4 557 4 717 4 621 4 455 4 44
Slide 43: Additional information
ADDITIONAL INFORMATION Employment (FTE) Alior Bank’s branches -303 -74 -28 -14 (-4%) (-1%) (-6%) (-3%) 487 486 479 473 6 906 6 779 6 715 6 677 459 6 603 480 474 479 500 503 -5% y/y 168 168 168 166 158 -6% y/y 6 425 6 304 6 236 6 177 6 100 -6% y/y -5% y/y 319 318 311 307 301 2Q 25 3Q 25 4Q 25 1Q 26 2
Slide 44: Alior Bank S.A. – stock performance, shareholding, ratings
ALIOR BANK S.A. – STOCK PERFORMANCE, SHAREHOLDING, RATINGS Rate of return on Alior Bank shares vs selected WSE indices (12-month comparable data) Alior Bank share price : PLN 130,00 (data as of June 30, 2026) +47,9% y/y Capitalization: PLN bn 17.0 Value of shares in free float: PLN bn 7.5 +44,7% y/y
Slide 45: Contact
CONTACT MORE CONTACT DATA ADDRESS INFORMATION Investor Relations and Subsidiaries Internet Alior Bank S.A. Website Supervision Department Investor Relations and Subsidiaries Supervision Department Facebook fanpage e-mail: ir@alior.pl ul. Chmielna 69 X profile 00-801 Warszawa Youtube channel Poland L
Slide 46: 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
Slide 47: Thank you for your attention
THANK YOU FOR YOUR ATTENTION +.