Slide 1: Summary of results for 1-3Q 2025
Summary of results for 1-3Q 2025 September 14, 2025 a @ 5 Z | A a dps foie otis a oe a ok hk. OGOLNOPOLSKI DEWELOPER www.atal.pl
Slide 2: Agenda
Agenda + | OPERATING ACTIVITIES Noupwn> AWNo Investments in progress and in the pipeline Sales of flats Offer Handovers New lands Dividend Projects under construction - potential of handovers CONSOLIDATED FINANCIAL RESULTS Profit and loss account Ballance sheet Structured of debt maturity Business f
Slide 3: Operating activities
Operating activities
Slide 4: Investments in progress and in the pipeline
Operating activities Investments in progress and in the pipeline NUMBER OF PROJECTS PROJECTS NUMBER OF FLATS TSA (m2) . In progres 4 113 65746 El Poznan Planned 5 1354 75 426 In progres 5 1344 74153 Wroctaw Planned 4 248 17 245 . In progres 8 2331 137745 Aglomeracja Slaska g Ja sa Planned 6 1964 113
Slide 5: Sales of flats
Operating activities Sales of flats Annual number of flats sold 2019-2025 4258 3180 2896 | 2833 20s | 2068 | 2019 2020 2021 2022 2023 2024 Number of flats sold as divided by quarters 940. 735 787 n 552 376 385 aor | 354 3Q 2022 4Q 2022 19.2023 2Q.2023 3Q 2023 4Q 2023 10.2024 2Q.2024 3Q 2024 2% 1623
Slide 6: Offer
Operating activities Offer 2019 4083 2020 Number of flats offered in years 2019-2025 3104 2021 4639 2022 7636 4519 2023 2024 7024 3a.2024 e247 3Q 2025
Slide 7: Handovers volume in 3Q 2025
Operating activities Handovers volume in 3Q 2025 Number of handed over flats by city Krakow 101 Trdjmiasto 94 y— Warszawa2 ZO ‘ Poznan 62 — Aglomeracja Slaska 91 “———— Wroctaw 205 Handovers volume in 3Q 2025 city APARTMENTS / SERVICE PREMISES Krakow 101 Warszawa 2 Wroctaw 205 Aglomeracja Slaska 1 Po
Slide 8: Handovers volume in 1-3Q 2025
Operating activities Handovers volume in 1-3Q 2025 Number of handed over flats by city Krakow 105 £6dz278 ~——— a v— Warszawa 96 Trdojmiasto 103 —, Poznan 92 — Aglomeracja Slaska 143 — Wroctaw 445, Handovers volume in 1-3Q 2025 city APARTMENTS / SERVICE PREMISES Krakow 105 Warszawa 96 Wroctaw 445 Agl
Slide 9: Handovers volume in 1-3Q 2025
Operating activities Handovers volume in 1-3Q 2025 Number of handed over flats in years 2019 - 2025 3700 3002 2806 2460 1769 2019 2020 2021 2022 1-30 2024 1262 1-30 2025
Slide 10: Handovers volume in 1-3Q 2025 (TSA)
Operating activities 10 Handovers volume in 1-3Q 2025 Handovers volume - TSA thou. m2 121,5 1-30 2024 1-30 2025 YEAR 2019 2020 2021 2022 2023 2024 1-3Q 2024 1-3Q 2025 TSA THOU. M2 98,4 164.7 213,5 196,9 159,0 146,9 1215 68,8
Slide 11: New lands
Operating activities N New lands Funds allocated to land purchase in years 2019 - 2025 373 min PLN 402 tys. PUM 336 mln PLN 206 tys. PUM 203 min PLN 141 tys. PUM 194 min PLN 227 tys. PUM 113 mln PLN 89 min PLN 63tys. PUM 164 tys. PUM 51min PLN | 86 tys. PUM 2019 2020 2021 2022 2023 2024 1-3Q 2025 La
Slide 12: Dividend
Operating activities 12 Dividend Dividend paid for 2015 - 2024 181 137 65 a Lill i | 2015 «2016 = 2017 018 7 Dividend paid for 2024 Dividend rate: 9,5% 0n 15.07.2025 - dividend day Nominal amount of the dividend: PLN 237.9 million, wchich represents 86% of ATAL's net profit The total amount of divid
Slide 13: Projects under construction - potential of handovers
ATAL City Square IV Wrocław 15 403 326 I kw. 2025 Nowe Miasto Polesie IV a Łódź 12 051 211 I kw. 2025 Osiedle Poematu II Warszawa 7 920 144 II kw. 2025 Na Opoczyńskiej Wrocław 4 949 90 II kw. 2025 Ogrody Andersa Katowice 6 175 114 II kw. 2025 ATAL Olimpijska bud. A Katowice 14 542 225 II kw. 2025 AT
Slide 14: Projects under construction - potential of handovers
Olimpijska bud. C Katowice 14 219 220 I kw. 2026 Francuska Park IX Katowice 10 334 168 I kw. 2026 Galaktyczna Gdańsk 7 630 144 I kw. 2026 ATAL Jasieny Gdańsk 2 709 48 I kw. 2026 Osiedle Poematu III Warszawa 9 105 166 II kw. 2026 ATAL Symbioza IA Gdańsk 5 836 91 II kw. 2026 ATAL Symbioza IB Gdańsk 9
Slide 15: Projects under construction - potential of handovers
ATAL Strachowicka II Wrocław 16 400 301 III kw. 2026 Naramowice Odnova II Poznań 29 476 486 III kw. 2026 Przewóz 42 II Kraków 7 581 126 III kw. 2026 Osiedle Przyjemne II Gdańsk 5 012 107 III kw. 2026 Osiedle Przyjemne III Gdańsk 3 626 79 III kw. 2026 Osiedle Przyjemne IV Gdańsk 6 088 111 III kw. 202
Slide 16: Handover potential by city
Trójmiasto 9 88 421 1 612 Wrocław 6 36 912 607 Warszawa 7 73 154 1 248 Katowice 8 137 011 2 348 Łódź 5 111 758 2 019 Kraków 9 131 771 2 359 Poznań 6 91 540 1 616 Szczecin 2 18 370 317 51 688 937 12 126
Slide 17: Consolidated financial results
Consolidated financial results
Slide 18: Profit and loss account
Consolidated financial results 18 Consolidated financial results Profit and loss account Gross margin on sales PLN THOU 30.09.2024 30.09.2025 VAR. 312% Revenuesfrom sale of products, goodsand materials 1215 527 772.887 -36% Costs of products, goods and materials sold 88: 1 425 40% Grossresult of sal
Slide 19: Gross and net margin by quarters
Consolidated financial results 19 Consolidated financial results 36,2% 25,7% 3Q 2022 4Q2022 28,7% 17,8% 3Q.2022 4Q2022 Gross margin on sales by quarters 39,1% 33,3% 25.2% 317% | 284% 312% 25.0% - 28,4% 23,8% ‘ i 19,6% | | : 1.2023 22023 3.2023 42023 1Q2024 «22024 32024 42024 12025 202025 3a2025 Net
Slide 20: Balance sheet
Consolidated financial results Consolidated financial results Balance sheet PLN THOU. Assetsin total Fixed assets Currentassets Liabilities and capitalin total Equity Liabilities in total Longtermliabilities Shortterm liabilities PLN THOU. Wskainik zadtuzenia netto Grupy” 31.12.2024 3799 642 194820
Slide 21: Main items of the financial results
Consolidated financial results 21 Main items of the financial results in PLN million 2328 2020 242 2020 2021 495 2021 Inventory 2.495 2668 2022 2023 Cash 620 | 398 2022 2023 3384 2024 4408 3a 2025 2020 1841 2020 1166 2021 1950 2021 Equity 1700 1302 2022 2023 Liabilities 1876 1839 } 2022 2023 2024 20
Slide 22: Inventory breakdown
Consolidated financial results Consolidated financial results in PLN million Inventory 3384 2024 4408 3a 2025 Work in progress 3424 3189 2024 3a 2025 Finished products 2024 981 3a 2025
Slide 23: Structure of debt maturity
23 Consolidated financial results Structure of debt maturity as at 30.09.2025 792 528 507 68 662 200 2025 2026 [ Bonds Loans granted by the shereholder I Bank toans + After September 30, 2025, a loan of PLN 100 million was received from the main shareholder + After September 30, 2025, bonds in the a
Slide 24: Business financing sources
Consolidated financial results 24 Business financing sources in PLN million Prepayments from customers »——— Equity 1637 Corporate bonds 390 ~~ /— Bank loans 375 Loans granted by -- the shereholder 1062 BUSINESS FINANCING SOURCES AS AT 30.09.2025 Equity Bank loans Loans granted by the shereholder Cor
Slide 25: Our achievements
Our achievements = Start of construction works for 10 projects (1,494 flats) = Sales lauched for 11 investments (1,738 flats) = Construction works finalised for 15 investments (2,774 flats)
Slide 26: Appendix
Appendix
Slide 27: Appendix: company overview
Appendix 27 ATAL S.A. is one of Poland's leading developers. It specializes in housing estates, single multi-family houses located in Poland's largest cities. It is since June 2015 that the shares of ATAL S.A. have been officially listed on the Warsaw Stock Exchange. ATAL's founder and leading share
Slide 28: ATAL S.A. capital group
ATAL S.A. Apartamenty ATAL Construction Sp. z o.o. 100% 100% Ostródzka Sp. z o.o. komandytariusz komplementariusz jednostka stowarzyszona Atal Construction Sp. z o.o. Sp. K. 100% ATAL Development GmbH Niemcy 49%
Slide 29: Management Board
Appendix Management Board Zbigniew Juroszek President of ATALS.A. ATALS.A’'s founder and main shareholder Responsible for determining the development direction and the implementation of the given strategy in the entire ATALS.A. Group 35 years of professional experience, 25 years of professional expe
Slide 30: Investments introduced to sale
Hipoteczna Park Łódź 219 I kw. 2025 Skwer Harmonia II Kraków 251 I kw. 2025 Ogrody Andersa III Katowice 193 I kw. 2025 Strefa Cegielnia III Kraków 137 I kw. 2025 Gdańsk 172 II kw. 2025 Niebieski Bursztyn II Poznań 262 II kw. 2025 ATAL Parkowa Gdańsk 48 II kw. 2025 ATAL Jasieny Katowice 191 II kw. 20
Slide 31: Projects completed
ATAL City Square IV Wrocław 326 I kw. 2025 Osiedle Poematu II Warszawa 144 I kw. 2025 ATAL Strachowicka I Wrocław 105 I kw. 2025 Ogrody Andersa Katowice 114 I kw. 2025 Kowale Apollina Gdańsk 60 II kw. 2025 Na Opoczyńskiej Wrocław 90 II kw. 2025 Oilmpijska Bud. A Katowice 225 II kw. 2025 ATAL Aura II
Slide 32: oi we
Z oi we Ow aa re a 2 § ae fc Qa a Ot ww oOo Ww © NOR oa 2 n& Oo wo 3 Ny © © — @ gi8 28 2F i 6 ao BG Gj uwsoFPse a 2kGSHt Ee g g anvu0 sw 2 € hFsom gp pe = qsavereet now wns SEOs \ or Oo Ce ‘WEEE LOBE Pt Pt CEE