Slide 1: Presentation of Results for 2025
PRESENTATION OF RESULTS FOR 2025 ALIOR BANK SA | FEBRUARY 24, 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: Another Successful Year for Alior Bank, a Record 4Q
ANOTHER SUCCESSFUL YEAR FOR ALIOR BANK, A RECORD 4Q 25 In 4Q 25, revenues amounted to PLN bn 1.49 • net interest income of PLN bn 1.26 (-4% y/y) The number of relational retail customers was 1.7 mn • net commission income of PLN mn 240 (+9% y/y) (107 k more than at the end of 2024) In 2025, revenues
Slide 5: Alior Bank on a Path of Dynamic Growth
ALIOR BANK ON A PATH OF DYNAMIC GROWTH Assets (PLN bn) Deposits* (PLN bn) Gross Performing Loans** (PLN bn) +9% +7% +5% 101,8 82,6 63,9 76,9 60,8 93,3 2024 2025 2024 2025 2024 2025 C/I 4Q 25 NIM 4Q 25 ROE 4Q 25 COR 4Q 25 TCR 2025 37.9% 5.38% 21.7% 0.29% 17.63% ~0.0 pp. y/y -0.63 pp. y/y -0.6 pp. y/y
Slide 6: We Consistently Develop Customer Relations
WE CONSISTENTLY DEVELOP CUSTOMER RELATIONS RETAIL CUSTOMERS Number of relationship customers (mn) Users of Alior Bank mobile app (mn) +7% / +107 k +17% / +240 k 1,70 2 1,67 1,68 2 1,59 1,64 2 1,52 1,62 1,49 1,60 2 1,43 2 1 1 1 1 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Share of mo
Slide 7: We Maintain High Sales of Mortgages
WE MAINTAIN HIGH SALES OF MORTGAGES RETAIL CUSTOMERS Balance of assets of retail customers (PLN bn) Gross loans to retail customers (PLN bn) +13% +7% 74,3 41,6 42,3 43,1 43,9 69,9 69,9 71,8 41,1 65,8 7,0 7,2 6,9 7,0 6,0 5,4 0,4 5,9 6,3 0,4 7,4 0,3 8,0 20,5 20,9 21,6 22,3 23,0 0,6 0,3 15,3 15,1 15,4
Slide 8: We Simplify Banking by Adding New Features and Changes to the App Interface
WE SIMPLIFY BANKING BY ADDING NEW FEATURES AND RETAIL CUSTOMERS CHANGES TO THE APP INTERFACE High availability and customer ratings -66% 68% 4.6 4.6 reduction in offline NPS 4Q 25 time (y/y) New useful functions New services: • e-Government Office • Digital Investments Intuitive and simple: • "Produ
Slide 9: Sales Growth in the Business Customer Segment
SALES GROWTH IN THE BUSINESS CUSTOMER SEGMENT* BUSINESS CUSTOMER Gross loan volume of Business Customers (PLN bn) Gross loan volume of Business Customers (PLN bn) non-performing portfolio -5% -14% 17,5 17,5 17,4 17,4 16,7 2,8 2,7 2,7 2,6 2,5 4Qkw. IV 24 24 1Q 2525 I kw. 2Q 25 25 II kw. 3Q 25 III kw.
Slide 10: An Increase in Deposit Volumes
AN INCREASE IN DEPOSIT VOLUMES BUSINESS CUSTOMER Deposit volume of Business Customers (PLN bn) Active debit cards (k) +3% +0.4% 22,6 22,8 23,0 23,4 109,2 110,5 110,1 110,1 109,6 21,3 4Qkw. IV 24 24 1Q 2525 I kw. 2Q 25 II kw.25 3Q 25 25 III kw. 4Q 25 25 IV kw. 4Qkw. IV 24 24 1Q 2525 I kw. 2Q 25 II kw
Slide 11: Alior Leasing's Portfolio Grew +9% Y/Y
ALIOR LEASING'S PORTFOLIO GREW +9% Y/Y RECORD SALES IN 4Q 25 Sale of leases and loans (PLN mn) Lease and loans portfolio (PLN mn) +9% +9% +14% +3% 3 370 +13% 961 7 143 3 080 6 963 840 852 6 785 819 6 577 6 624 739 2024 2025 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 • Alior Leasing'
Slide 12: Credit Risk
2 CREDIT RISK
Slide 13: 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% 21,44% 21,43% 257% 245% 21,08% 20,61% 20,75% 227% 20,51% 20,23% 20,07% 214% 202% 191% 187% 177% 181% 18,27% 17,83% 17,46% 17,65%
Slide 14: 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 0 2,39% 2,80% 14,48% 0 13,16% 11,77% 0 1,60% 1,51% 0 9,80% 8,58% 0 0,98% 0,62% 0,49% 6,81% 0 5,64% 0 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 The Bank succ
Slide 15: Gradual Improvement in the Quality of the Loan Portfolio
GRADUAL IMPROVEMENT IN THE QUALITY OF THE LOAN PORTFOLIO Impaired loans (PLN bn) NPL reserve coverage ratio* Cost of Risk – CoR%** 00% 6 0,74% 0,72% 6,81% 6,69% 5 00% 0,60% 6,18% 6,29% 5 00% 5,64% 52,7% 51,4% 51,9% 0,29% 4 50,4% 50,4% 00% 4,27 4,22 4,16 3,94 4 0,20% 3,62 00% 3 4Q 24 1Q 25 2Q 25 3Q 2
Slide 16: Financial Results
3 FINANCIAL RESULTS
Slide 17: Net Profit Due to Lower Interest Rates and Higher Legal Risk Costs
NET PROFIT DUE TO LOWER INTEREST RATES AND HIGHER LEGAL RISK COSTS Total revenue (PLN mn) -49 (-1%) -55 (-4%) In 4Q 25, revenues amounted to PLN bn 1.49 • net interest income of PLN bn 1.26 (-4% y/y) • net commission income of PLN mn 240 (+9% y/y) 6 060 6 011 1 545 1 465 1 524 1 531 1 490 In 2025, r
Slide 18: Income Statement
INCOME STATEMENT PLN mn 4Q 24 3Q 25 4Q 25 % y/y y/y % q/q q/q 2024 2025 % y/y y/y Total Income 1 544,9 1 531,3 1 490,3 -4% -54,7 -3% -41,0 6 060,0 6 010,8 -1% -49,2 Net interest income 1 312,0 1 296,1 1 264,8 -4% -47,1 -2% -31,3 5 183,7 5 134,9 -1% -48,8 Net fee and commission income 221,1 233,9 240
Slide 19: Volume Growth and Lower Cost of Funds Stabilize Interest Income
VOLUME GROWTH AND LOWER COST OF FUNDS STABILIZE INTEREST INCOME, DESPITE AN INTEREST RATE DECLINE Interest income and expenses (PLN mn) Interest margin and financing cost* -4% -9% CoF NIM NIM - CoR 7 234 -5% 6,00% 6 918 5,88% 5,74% 1 808 1 770 1 754 1 743 5,61% 5,38% 1 706 1 650 1 703 ~0% y/y 423 42
Slide 20: Improved Commission Result in 4Q 25 (+9% Y/Y)
IMPROVED COMMISSION RESULT IN 4Q 25 (+9% Y/Y) Net Fees and Commissions Income (PLN mn)* +4% +9% +3% 867 906 240 Bank accounts, transfers, cash operations 234 221 222 179 +2% y/y (net) 209 45 175 47 44 45 +4% y/y 72 -8% y/y Bancassurance (net) 41 20 79 20 20 16 +1% y/y -4% y/y 16 230 Leasing, loans a
Slide 21: Stabilization of Operating Expenses in 2025
STABILIZATION OF OPERATING EXPENSES IN 2025 Operating costs (PLN mn) C/I ratio** +8%/+5%**** -4% C/I normalized*** C/I reported ~0% 2 295 616 42,0% 586 550 565 565 2 118 107 +164% y/y 75 11 11 - % y/y 11 41 82 255 62 64 65 270 65 -21% y/y -6% y/y 39,0% 177 38,6% 38,8% 670 144 178 188 +6% y/y 568 +18
Slide 22: Why Alior Bank?
WHY ALIOR BANK? ▪ Consistent implementation of an ambitious strategy ▪ Market leader in Consumer Finance ▪ A distinctive, refreshed brand ▪ An agile business model built on modern technologies and a variety of distribution channels ▪ Stable and predictable costs of risk due to highly competent manag
Slide 23: Other Issues
4 OTHER ISSUES
Slide 24: 2025: A Broader Recovery and Return to the Inflation Target
2025: A BROADER RECOVERY AND RETURN TO THE INFLATION TARGET Investments accompany consumption Inflation back on target Change in GDP (real, %, y/y) and it’s composition (p.p.), CPI, Poland (%, y/y) 10,0 Poland 20 6,9 4,6 5,3 5,0 3,0 3,6 15 0,2 -… 10 0,0 5 -5,0 2019 2020 2021 2022 2023 2024 2025 0 ho
Slide 25: Signals of Industrial Awakening in the Eurozone Despite Customs Wars
SIGNALS OF INDUSTRIAL AWAKENING IN THE EUROZONE DESPITE CUSTOMS WARS The Polish economy stands out positively within the EU Signs of recovery in German industry GDP growth in 2025 (%) 110 4,0 New orders in industry, Germany 3,5 105 3,0 100 2,5 2,0 95 1,5 1,0 90 0,5 85 0,0 Holandia Słowenia Bułgaria
Slide 26: 2026: Economic Acceleration Without Inflationary Pressure
2026: ECONOMIC ACCELERATION WITHOUT INFLATIONARY PRESSURE ACCOMPANIED BY LOWER INTEREST RATES Accelerating investments will support the economic situation Rates even lower thanks to favorable inflation conditions GDP growth with main components, Poland CPI and interest rates, Poland 15 16 10 14 6,9
Slide 27: Selected Achievements in 4Q 25
SELECTED ACHIEVEMENTS IN 4Q 25 Alior Bank has started strategic cooperation Alior Bank has embarked on the largest with the global leader in marketing transformation of its work model in its technology, Adobe and implementation history – at the first stage, 1300 people partner Dentsu Polska in order
Slide 28: New Opening - Alior Mobile and Alior Business
NEW OPENING - ALIOR MOBILE AND ALIOR BUSINESS Alior Mobile Alior Business and Alior Business Mobile Alior Bank has introduced to customers a new version of the Alior Bank has introduced to business customers the new Alior Mobile app. The implementation of the refreshed app is Alior Business online b
Slide 29: We Continue Actions Supporting the Acquisition of Clients and the Bank's Image
WE CONTINUE ACTIONS SUPPORTING THE ACQUISITION OF CLIENTS AND THE BANK'S IMAGE campaign promoting new new version of the portal 1 2 Alior Konto Plus www.aliorbank.pl ▪ launch in mid-January 2026 ▪ planned implementation in mid-April ▪ the campaign supports the goal of new ▪ refinement of usability a
Slide 30: Alior Bank's Investment Services
ALIOR BANK'S INVESTMENT SERVICES Alior Bank’s Brokerage House Alior TFI In 2025, the brokerage house's commission result was 23% In 4Q 25 Alior TFI maintained a high level of sales of investment higher than a year earlier and reached nearly PLN mn 90. In funds. In 4Q 25, net inflows to funds amounte
Slide 31: 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) +4% -2%/-1%** +7% -2% +2% -7%/-2%** 43 079 43 866 26 215 69 294 68 250 41 084 24 848 24 384 65 932 6 964 6 577 7 147 24 848 26 215 24 384 22 316 23 004 20 5
Slide 32: 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 +7% +9% +3% +3% +3% +1% 80 586 82 621 23 508 76 937 59 113 23 184 667 632 54 172 57 402
Slide 33: Asset Structure of Alior Bank Group
ASSET STRUCTURE OF ALIOR BANK GROUP (PLN BN) Alior Bank Group assets Receivables from Customers (net) +29% +16% +9% +4% 101,8 65,5 90,1 93,3 9,8 62,7 58,2 61,0 83,0 82,9 7,0 +41% YTD 56,2 57,6 78,6 10,3 8,7 8,3 26,5 22,7 6,7 23,6 +12% YTD 22,9 -1% YTD 18,8 23,0 16,1 21,8 22,4 15,7 17,0 22,3 61,0 62,
Slide 34: Liability Structure of Alior Bank Group
LIABILITY STRUCTURE OF ALIOR BANK GROUP (PLN BN) Alior Bank Group liabilities Liabilities to Customers* +29% +26% +9% +7% 82,6 76,9 0,6 -3% YTD 73,1 101,8 71,5 70,0 0,7 93,3 65,8 0,5 7,5 +2% YTD 90,1 6,2 +20% YTD 0,5 0,5 7,4 83,0 82,9 5,2 0,6 5,4 7,9 78,6 7,8 5,5 15,7 +4% YTD 5,6 4,3 5,7 6,7 15,1 6,
Slide 35: Consolidated Statement of the Financial Standing of the Alior Bank Group
CONSOLIDATED STATEMENT OF THE FINANCIAL STANDING OF THE ALIOR BANK GROUP (PLN MN) 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 % q/q q/q % y/y y/y Total assets 93 293,5 96 589,4 99 467,6 97 742,1 101 775,0 4% 4 032,9 9% 8 481,5 Cash and cash equivalents 2 123,4 5 357,5 5 530,4 3 382,7 4 062,9 20% 680,2 91% 1 939,6
Slide 36: New Sale of Loans
NEW SALE OF LOANS (PLN MN) Sales in the Business Customer Segment* +14% +10% 3 069 2 891 2 833 2 769 2 773 2 446 2 347 2 432 2 521 1 999 2 184 1 885 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Sales in the Retail Customer Segment +17% +13% 5 355 5 219 4 557 4 717 4 621 4
Slide 37: Additional Information
ADDITIONAL INFORMATION Employment (FTEs) Alior Bank’s branches -390 -28 -5% -63 -6% 7 106 -1% -7 7 055 -1% 6 906 497 486 6 779 6 715 507 493 487 486 479 480 474 -5% y/y 479 -4% y/y 176 175 168 168 168 6 609 6 569 6 425 6 304 6 236 -6% y/y -6% y/y 331 318 319 318 311 4Q24 1Q 25 2Q 25 3Q 25 4Q25 4Q24
Slide 38: 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) 140 Alior Bank share price: PLN 110.45 (data as of December 31, 2025) 130 Capitalization: PLN bn 14.4 +28.5% y/y Value of shares in free float: PLN bn
Slide 39: 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 1Q 26 – April 28
Slide 40: 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