Bnp Paribas Bank Polska Spolka Akcyjna · GPW:BNP
Bnp Paribas Bank Polska Spolka Akcyjna — BNP Paribas Bank Polska — Investor Presentation (August 2026)
19 slides from Bnp Paribas Bank Polska Spolka Akcyjna's investor presentation, August 2026
Slide 1: Corporate Presentation
AUGUST 2026 CORPORATE PRESENTATION BNP PARIBAS BANK POLSKA SA GROUP
Slide 2: Key information
Key information Consistent building of BNP Paribas position on the Polish market ACCELERATE 2030 Strategy - focuses on profitable accelerated growth and efficiency improvement C/I New sustainable loan Dividend payout w/o bank tax ROTE1 production in 2030 Key ambitions by end-2030 <38% 22% PLN 25 bil
Slide 3: History of M&A driven growth, organic growth from 2019 onwards
History of M&A driven growth, organic growth from 2019 onwards We have strong roots on the Polish market The Polish-American Enterprise FORTIS takes over PPA BANK Fund becomes strategic and names it FORTIS BANK shareholder of KTB - and POLSKA Société Générale De Banque, establishes POLSKO- later BNP
Slide 4: Business model
Business model Strong foundations of the Bank to generate Shareholder value growth and benefits for the economy and communities A local bank with global coverage Responsible risk management We are a bank with over 100 years of history on the Polish The pillar of our business activity to provide serv
Slide 5: BNP Paribas Group – European leader in financial services
Strategic shareholder BNP Paribas Group – European leader in the field of financial services Key areas of activity Corporate & Institutional Banking, focused on corporate and institutional 200 years 64 countries ~180,000 3,083.8 bn € of banking history in the world employees assets customers Commerc
Slide 6: BNP Paribas Bank Polska Group in figures
BNP Paribas Bank Polska Group in figures Strong position among the largest players in Poland Key areas of activity BNP Paribas Bank Polska S.A. is a universal bank with a comprehensive product offer, addressed to Polish and international corporations, the SME segment, farmers and retail customers. 2
Slide 7: Management Board
Management Board Strong and stable management team Małgorzata Dąbrowska Wojciech Kembłowski Piotr Konieczny Jerzy Jacek Szugajew Vice President Vice President, CRO Vice President, CFO Vice President Operations and Business Support Area Risk Area Finance Area SME & Corporate Banking Area Przemek Gdań
Slide 8: Full market coverage
Full market coverage We serve all Customers segments Business segments* NBI contribution** Assets contribution** Description Selected largest Polish companies daily banking CIB Coverage via Business Centers Largest companies 4% 3% CIB & Corporates included in unique commercial banking set-up of BNPP
Slide 9: ACCELERATE 2030 Strategy – priorities & ambitions
ACCELERATE 2030 Strategy – priorities & ambitions Our new strategy focuses on profitable accelerated growth and efficiency improvement We support you to make your More than a top international bank and a leader Mission plans and dreams come true. Vision in sustainable finance. To be your trusted com
Slide 10: ACCELERATE 2030 Strategy – business activity
ACCELERATE 2030 Strategy – business activity Market trends vs our priorities trends Market Individuals & micro Business Fast adoption of cutting-edge technologies Energy transition & decarbonisation • Customer relations anchored around • Rapid expansion of large entities • Polish banks among Top 3 i
Slide 11: Financial performance
Financial performance Visible improvement in results in recent years. H1 2026 net profit, ROE and C/I ratio impacted by the increase in CIT rate and one-off regulatory burdens Cost / Income [%] Net interest margin [%] Financial figures 59.9% 55.3% 53.5% 52.9% 56.8% 3.43% 3.56% 3.46% 3.27% Adjusted v
Slide 12: Financial performance
Financial performance Low share of NPL and low cost of risk confirming high quality and resilience of the loan portfolio. Safe capital position Total loans – share of NPL* in the portfolio measured Cost of risk [%] Financial figures at amortised cost [%] (0.78%) 5.6% 5.7% All calculations based on c
Slide 13: NBI & operating expenses
NBI & operating expenses Visible increase in NBI in recent years. H1 2026 impacted by interest rates cuts and financial market volatility. Effective management of business-as-usual expenses. Growth in operating expenses vs H1 2025 mainly due to the increase in BGF fees Net banking income [PLN millio
Slide 14: Commercial volumes split by Customers
Commercial volumes split by Customers Steady growth trend in institutional loans. In H1 2026, increase in Individual Customer loan portfolio due to record-high sales of mortgage and consumer loans. Solid, growing deposit base. Decrease in H1 2026 from the seasonally high level at the end of the year
Slide 15: Key results of the Group in Q2 2026
Key results of the BNP Paribas Bank Polska Group in Q22026 Successful strategy execution. Business growth in both segments. Improvement of quarterly results F I N A N C I A L R E S U LTS BUSINESS ACTIVITY ST R AT E G Y & T R A N S F O R M AT I O N • Growth of all NBI key categories • Retail Customer
Slide 16: #GOdigital – statistics
#GOdigital – statistics Continuation of the trend of increasing the number of e-banking and mobile banking users Customers using digital channels [thous.] Number of tokens in digital wallets [thous.] +1% q/q +3% q/q 1,704 1,724 1,750 651 674 656 675 698 1,674 1,674 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 +5%
Slide 17: Shares of BNP Paribas Bank Polska S.A.
Fitch rating (update on 13 May 2026) Shares of BNP Paribas Bank Polska S.A. Long-Term Issuer Default Rating (LT IDR) – A+ with a Negative Outlook Dividend payout from the 2025 net profit (~50%, DPS: PLN 10.20) in May. Increase of the stock liquidity Short-Term Issuer Default Rating (ST IDR) – F1+ re
Slide 18: #Sustainable finance #positive banking
#Sustainable finance #positive banking Strategic management of ESG (Environmental, Social, Governance) issues STRATEGIC ROLE OF ESG MANAGEMENT LIMITING OWN IMPACT 100% of energy used by the Bank comes from sustainable MARKET RECOGNITION The Group’s strategies aggregate business goals with sustainabi
Slide 19: Contact
CONTACT Investor Relations and ESG Reporting Bureau 2 Kasprzaka Street, 01-211 Warsaw relacjeinwestorskie@bnpparibas.pl www.bnpparibas.pl/en/investor-relations BNP Paribas Bank Polska Spółka Akcyjna, with its registered office in Warsaw at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of
BNP Paribas Bank Polska — Investor Presentation (August 2026) on 6ix