Slide 1: Presentation of Results for 3Q 2025
PRESENTATION OF RESULTS FOR 3Q 2025 ALIOR BANK SA | OCTOBER 29, 2025
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 Quarter for Alior Bank
ANOTHER SUCCESSFUL QUARTER FOR ALIOR BANK In 1-3Q 25 revenues amounted to PLN bn 4.52 The number of customers with a main relationship • net interest income amounted to PLN bn 3.87 (0% y/y) was 1.68 mln (98k more than at the end of 3Q 24) • net commission income amounted to PLN 666 (+3% y/y) The nu
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) +7% +8% +6% 97,7 80,6 63,2 74,6 59,8 91,2 3Q 3Q24 24 3Q3Q 2525 3Q 3Q24 24 3Q3Q 2525 3Q 3Q24 24 3Q3Q 2525 C/I 3Q 25 NIM 3Q 25 ROE 3Q 25 COR 3Q 25 TCR 3Q 25 36.9% 5.61% 18.9% 0.72% 17.65% +6.9 p
Slide 6: 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) +12% +6% 69,9 69,9 71,8 64,1 65,8 6,9 7,0 7,0 40,6 41,1 41,6 42,3 43,1 6,3 6,0 5,9 7,4 4,9 0,6 5,4 0,4 0,3 6,3 0,4 0,7 15,4 15,1 15,3 15,1 20,3 20,5 20,9 21,6
Slide 7: We Invest in Customer Relations
WE INVEST IN CUSTOMER RELATIONS RETAIL CUSTOMERS Number of relationship customers (mn) Users of Alior Bank mobile app (mn) +6% / +98 k +15% / +205 k 1,68 2 1,59 1,64 2 1,62 1,52 1,60 2 1,49 1,58 1,43 2 1 1 1,38 1 1 1 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 Share of mobile app use
Slide 8: Quality, New Functions and Technologies Drive Growth of Mobile App
QUALITY, NEW FUNCTIONS AND TECHNOLOGIES DRIVE RETAIL CUSTOMERS GROWTH OF THE MOBILE APP AND RELATIONSHIP BANKING High availability and customer ratings -64% 70% 4.6 4.7 reduction in offline NPS 3Q 25 time (y/y) New useful functions recurring BLIK chat with referral BLIK installment consultant progra
Slide 9: Improvement in Loan Portfolio Structure in Business Customer Segment
IMPROVEMENT IN THE STRUCTURE OF THE LOAN PORTFOLIO BUSINESS CUSTOMER IN THE BUSINESS CUSTOMER SEGMENT* Gross loan volume of Business Customers (PLN bn) Gross loan volume of Business Customers (PLN bn) non-performing portfolio 0% -3% 17,4 17,5 17,5 17,4 17,4 2,8 2,8 2,7 2,6 2,7 3Q 24 III kw.24 4Qkw.
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) +5% +1% 23,0 23,2 109,2 109,2 110,5 110,1 110,1 22,1 22,8 21,4 III kw.24 3Q 24 IV kw.24 4Q 24 I kw.25 1Q 25 II2Q kw.25 25 3Qkw.25 III 25 III 3Qkw.24 24 IV 4Qkw. 24 24 I kw. 1Q 2525 I
Slide 11: Alior Leasing's Portfolio Reached Almost PLN bn 7.0
ALIOR LEASING’S PORTFOLIO REACHED ALMOST PLN BN 7.0, AN INCREASE OF 8% Y/Y Lease and loans portfolio (PLN mn) Sale of leases and loans (PLN mn) +8% +21% +3% 6 963 +4% 6 785 840 852 6 577 6 624 819 6 435 739 704 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 • Alior Leasing’s sales in 3Q
Slide 12: We Consistently Implement Our Marketing Strategy
WE CONSISTENTLY IMPLEMENT OUR MARKETING STRATEGY first campaign promoting Alior Bank – the main partner of 1 new look of cards 2 Alior Business 3 Inside Seaside 2025 ▪ first change since 2008 ▪ On October 20, 2025, a multi-channel marketing ▪ Alior Bank has joined the group of main partners ▪ the im
Slide 13: Try at Least Once – Cooperation with PRO8L3M and Anita Lipnicka
„TRY AT LEAST ONCE” – COOPERATION WITH PRO8L3M MUSIC BAND AND ANITA LIPNICKA Alior Bank has completed one of the most original projects in its history, combining the world of music with a modern approach to finance. Together with the band PRO8L3M and Anita Lipnicka, we created a reinterpretation of
Slide 14: Credit Risk
2 CREDIT RISK
Slide 15: Stable and Safe Position: Capital and Liquidity Surplus Above Minimums
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% 257% 21,08% 20,61% 20,75% 20,51% 20,23% 20,07% 227% 214% 18,45% 202% 17,83% 18,27% 188% 191% 17,46% 187% 17,53% 17,11% 17
Slide 16: 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% 0,55% 6,81% 6,29% 0 0 2019 2020 2021 2022 2023 2024 1-3Q 25 2019 2020 2021 2022 2023 2024 3Q 25 The Bank
Slide 17: 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%** 0,92% 0% 6 7,10% 0,74% 0,72% 6,81% 6,69% 5 0% 0,60% 6,18% 6,29% 5 0% 51,9% 52,7% 50,4% 51,4% 4 50,0% 0% 4,45 4,27 4,22 4,16 4 3,94 0,20% 0% 3 3Q 24 4Q 24 1Q 25 2Q 25 3Q
Slide 18: Financial Results
3 FINANCIAL RESULTS
Slide 19: Net Profit Under Pressure from Lower Interest Rates and Higher Expenses
NET PROFIT UNDER PRESSURE FROM LOWER INTEREST RATES AND HIGHER Y/Y OPERATING EXPENSES AND LEGAL RISKS Total revenue (PLN mn) +5 (~0%) -45 (-3%) In 3Q 25, revenues amounted to PLN bn 1.53 • net interest income of PLN bn 1.3 (-5% y/y) • commission income of PLN mn 234 (+10% y/y) In 1-3Q 25, revenues a
Slide 20: Income Statement
INCOME STATEMENT PLN mn 3Q 24 2Q 25 3Q 25 % y/y y/y 1-3Q 24 1-3Q 25 % y/y y/y Total Income 1 576,7 1 523,8 1 531,3 -3% -45,4 4 515,1 4 520,6 0% 5,5 Net interest income 1 358,1 1 289,1 1 296,1 -5% -61,9 3 871,7 3 870,1 0% -1,7 Net fee and commission income 213,3 222,3 233,9 10% 20,6 645,9 665,5 3% 19
Slide 21: Volume Growth Stabilizes Net Interest Income Despite Lower Margin
VOLUME GROWTH IN 2025 STABILIZES NET INTEREST INCOME DESPITE A DECREASE IN THE INTEREST MARGIN Interest income and expenses (PLN mn) Interest margin and financing cost* -3% -6% CoF NIM NIM - CoR NIM adj. *** 5 426 5 268 -1% 6,32% 1 857 1 808 1 770 6,00% 5,88% 1 282 1 292 1 754 1 743 5,74% 5,61% Othe
Slide 22: Net Fees and Commissions Income
NET FEES AND COMMISSIONS INCOME Net Fees and Commissions Income (PLN mn)* +3% +10% Bank accounts, transfers, cash operations +5% 646 666 (net) 234 +2% y/y 213 221 222 132 134 Bancassurance (net) 209 47 44 45 +7% y/y 53 -11% y/y 44 41 59 20 Leasing, loans and advances 20 16 +6% y/y 19 16 170 -6% y/y
Slide 23: Stabilization of Operating Expenses in 2025
STABILIZATION OF OPERATING EXPENSES IN 2025 Operating costs (PLN mn) C/I ratio** +13% +20% C/I normalized*** C/I reported +3% 1 730 42,0% 1 532 616 565 - % y/y 97 +137% y/y 586 550 38,6% 41 190 75 11 11 37,9% 82 189 +1% y/y 473 62 65 64 0% y/y 37,1% 38,8% 482 64 37,9% 391 +23% y/y 177 144 178 +42% y
Slide 24: 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 25: Other Issues
4 OTHER ISSUES
Slide 26: A Recovery Driven by Private Consumption
A RECOVERY DRIVEN BY PRIVATE CONSUMPTION Consumption at the forefront of recovery Household sentiment is the best since the outbreak of the pandemic 15 Change in GDP (real, %, y/y) and it’s composition (p.p.), Consumer sentiment according to GUS, Poland Poland 20 10 10 5 0 -10 0 -20 -5 -30 -40 -10 -
Slide 27: Improvement in European Industry on the Horizon
IMPROVEMENT IN EUROPEAN INDUSTRY ON THE HORIZON The Fed resumes interest rate cuts Global trade has accelerated 6,0 Rates in the USA and Eurozone 115 Trade volume, world (2021=100, USD) 5,0 110 4,0 105 3,0 100 2,0 95 1,0 90 0,0 85 -1,0 80 Oct-01 Oct-04 Oct-07 Oct-10 Oct-13 Oct-16 Oct-19 Oct-22 Oct-2
Slide 28: Prospects for Further Recovery
PROSPECTS FOR FURTHER RECOVERY First consumption, then investments Continuation of cautious NBP rate cuts in 2026 GDP growth with main components, Poland CPI and interest rates, Poland 14 16 12 10 14 6,9 8 5,3 12 6 2,9 3,7 3,6 3,3 4 10 2 0,2 8 6,75 0 -2,0 5,75 5,75 6 4,50 -2 3,50 3,50 -4 4 1,75 -6 2
Slide 29: An Offer Close to Our Customers
AN OFFER CLOSE TO OUR CUSTOMERS Alior Bank has prepared an offer for parents and guardians of new Alior Bank's individual customers can use customers aged 13-17. As part of the currency exchange function in the Alior the "Open an account and receive Mobile app and the Alior Online a payment bracelet
Slide 30: Alior Bank's Investment Services
ALIOR BANK’S INVESTMENT SERVICES Alior Bank’s Brokerage House Alior TFI In 3Q 25, the brokerage house's commission result was In 3Q 25 Alior TFI recorded record inflows into funds. At the end significantly higher (+9%) than in the previous year and of September 2025, TFI reached assets of PLN bn 4.4
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) +5% +2%/+2%** +5% +3% +2% +6%/+1%** 25 665 24 706 26 215 66 257 66 991 69 294 42 285 43 079 40 591 6 435 6 964 6 785 25 665 24 706 26 215 20 263 21 620 22 3
Slide 32: The Bank Manages the 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 +8% +9% +5% +1% +1% +1% 79 591 80 586 23 184 74 599 57 402 22 993 727 667 52 535 56 598
Slide 33: Asset Structure of Alior Bank Group
ASSET STRUCTURE OF ALIOR BANK GROUP (PLN BN) Alior Bank Group assets Receivables from Customers (net) +24% +18% +5% +5% 97,7 66,1 90,1 93,3 62,7 7,2 58,2 61,0 83,0 82,9 7,0 +4% YTD 56,2 57,6 78,6 10,3 8,7 8,3 24,4 24,3 6,7 23,6 +3% YTD 23,0 22,9 +6% YTD 18,8 21,8 22,4 15,7 16,1 17,0 22,3 62,7 66,1 4
Slide 34: Liability Structure of Alior Bank Group
LIABILITY STRUCTURE OF ALIOR BANK GROUP (PLN BN) Alior Bank Group liabilities Liabilities to Customers* +24% +22% +5% +5% 80,6 76,9 73,1 0,7 97,7 71,5 70,0 0,7 +2% YTD 93,3 65,8 0,5 90,1 5,0 -3% YTD 0,5 0,5 8,6 83,0 82,9 5,2 0,6 7,4 +16% YTD 7,8 5,4 5,5 7,9 78,6 5,6 6,7 4,3 5,7 15,4 6,3 15,1 +2% YTD
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) 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 % q/q q/q % y/y y/y Total assets 91 183,3 93 293,5 96 589,4 99 467,6 97 742,1 -2% -1 725,5 7% 6 558,8 Cash and cash equivalents 3 265,3 2 123,4 5 357,5 5 530,4 3 382,7 -39% -2 147,7 4% 117
Slide 36: New Sale of Loans
NEW SALE OF LOANS (PLN MN) Sales in the Business Customer Segment* +34% -9% 3 069 2 891 2 833 2 769 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 Sales in the Retail Customer Segment +37% 5 355 -2% 4 557 4 717 4 621 4 455 4 448 1 910 3 89
Slide 37: Additional Information
ADDITIONAL INFORMATION Employment (FTEs) Alior Bank’s branches -415 -26 -6% -127 -5% 7 194 -2% -1 7 106 7 055 0% 514 6 906 497 6 779 519 507 486 493 487 486 53 480 474 -8% y/y -5% y/y 176 176 175 168 168 6 627 6 609 6 569 6 425 6 304 -5% y/y 336 331 318 319 318 -5% y/y 3Q 24 4Q24 1Q 25 2Q 25 3Q 25 3
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) Alior Bank share price : PLN 102.60 150 (data as of September 30, 2025) 140 Capitalization: PLN bn 13.4 +10.7% y/y Value of shares in free float : PLN
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 • Wyniki za 3 kw. 2025 – 28 pa
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