Erste Bank Polska S.a. · GPW:EBP
Erste Bank Polska — Q1 2026 Earnings Presentation
30 slides from Erste Bank Polska's earnings presentation, Apr 30, 2026
Slide 1: Erste Bank Polska Group Q1 26 results presentation
ERSTE BANK POLSKA GROUP Q1 26 results presentation Warszawa, 30 April 2026 Michał Gajewski, CEO, Erste Bank Polska Maciej Reluga, Vice President of the Management Board, Erste Bank Polska
Slide 2: Disclaimer
DISCLAIMER 1. This presentation may contain forward-looking statements including, without limitation, statements concerning future business development and financial performance. These forward-looking statements: ▪ represent our judgment and future expectations concerning the development of our busi
Slide 3: Agenda
Agenda 1. Executive Summary 2. Financial performance 3. Attachments 3
Slide 4: Results Summary Q1 2026
RESULTS SUMMARY Q1 2026 Erste Bank Polska Group General operational data Key volumes Market PLNbn YoY share Branches 305* Gross loans 172 7% 11.2% Employment 10.1k Deposits 228 -1% 9.8% Customers 6.1m Customer funds 259 -1% Digital Customers 4.0m Assets 304 -3% (+5%**) * The number of branches does
Slide 5: Results Summary
RESULTS SUMMARY Q1 2026 PLN m Erste Bank Polska Group Key financial results Financial ratios PLNm YoY Capital position Strong Capital Net interest income 3 063 -4% TCR 18.72% position significantly TIER 1 18.42% above the KNF requirements Net F & C 772 +6% Performance Total Income 3 995 +1% ROE 19.9
Slide 6: Customers in numbers
RESULTS SUMMARY Q1 2026 Customers in numbers Retail customers SME customers Corporate customers 5.5m customers +1% YoY 27.9k customers 0% YoY 579k customers +4% YoY 476k Select +15% YoY customers 22.1k Digital customers -1% YoY 3.6m digital 423k digital +5% YoY +5% YoY customers customers 6.9k Mobil
Slide 7: Selected business data
RESULTS SUMMARY Q1 2026 Selected business data Retail customers SME Customers BCB customers CIB Customers 4.9m +14% YoY +9% YoY +4% YoY +9% YoY +8% YoY +132% YoY +90% YoY Personal New Financing Loans Income on Income from Income from New business (loans & leasing) accounts customers accounts volumes
Slide 8: Agenda
Agenda 1. Executive Summary 2. Financial performance 3. Attachments 8
Slide 9: Gross loans
FINANCIAL PERFORMANCE Q1 2026 PLN m Gross loans Gross loans Gross loans - structure +7% ◼ The loan portfolio increased by 7% YoY and +2%QoQ. 171 969 160 981 163 315 164 822 169 023 13% ◼ New mortgage loans in 33% Q1’26: +59% vs. Q1’25; 86 048 86 151 89 279 91 839 84 738 ◼ New cash loans in Q1’26: To
Slide 10: Customer funds
FINANCIAL PERFORMANCE Q1 2026 PLN m Customer funds Deposits Deposits- structure +3% ◼ Total deposits +3% YoY and -1% QoQ. 230 143 228 069 5% 220 893 221 040 220 947 16% ◼ In Q1, deposits from individual customers increased by 4%. Current 99 542 96 176 98 407 106 453 99 161 29% deposits +10% and term
Slide 11: Net interest income and net interest margin
FINANCIAL PERFORMANCE Q1 2026 PLN m Net interest income and net interest margin Net interest income Net interest margin* 3 176 3 178 3 195 3 154 3 063 4.94% 4.89% 4.88% 4.64% 4.53% Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 ◼ In Q1 2026, net interest income reach
Slide 12: Net fee and commission income
FINANCIAL PERFORMANCE Q1 2026 PLN m Net fee and commission income Net fee income 772 ◼ In Q1 2026, net fee and commission 728 744 725 752 29 27 25 income amounted to PLN 772m, Cards 39 35 147 146 165 increasing by 6% YoY and by 3% QoQ. 128 135 Transactional 145 142 125 167 146 Loan + Insurance ◼ In
Slide 13: Total income
FINANCIAL PERFORMANCE Q1 2026 PLN m Total income Total income ◼ The Group's total income in Q1 2026 4 054 3 998 4 014 3 995 3 956 amounted to PLN 4bn, an increase of 1% 53 132 78 108 161 YoY. Quarterly income remained flat. 728 744 725 752 772 Net Interest Income ◼ Interest income decreased by 4% Yo
Slide 14: Operating expenses
FINANCIAL PERFORMANCE Q1 2026 PLN m Operating expenses Operating expenses ◼ Total costs in Q1 2026 amounted to PLN 1.7bn, 1 685 an increase of 23% YoY. This is primarily due to Other Costs 55 128 higher contributions to the Bank Guarantee Fund 1 367 26 1 249 (BFG) – PLN 436m (resolution) in Q1 2026
Slide 15: Credit risk provisions and credit portfolio quality
FINANCIAL PERFORMANCE Q1 2026 PLN m Credit risk provisions and credit portfolio quality Net provisions Cost of credit risk 196 146 144 0.44% 120 123 0.37% 0.37% 0.33% 0.33% Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 NPL ratio NPL sales 194 169 164 4.0% 4.0% 3.9%
Slide 16: Results in Q1 2026
FINANCIAL PERFORMANCE Q1 2026 PLN m Results in Q1 2026 Results in Q1 2026 ◼ Gross profit in Q1 2026 amounted to PLN 1.8bn, and net profit amounted to PLN 1.0bn Q1 2026 Q1 2025 YoY ◼ A slight decrease in interest income despite Net interest and fee income 3 834 3 904 -2% further interest rate cuts, s
Slide 17: Agenda
Agenda 1. Executive Summary 2. Financial performance 3. Attachments 17
Slide 18: Our communication
MARKETING COMMUNICATION Our communication Campaigns targeted at the Mass segment Campaigns targeted at the SME segment Digital & Social Media Activities ▪ At the beginning of 2026, we continued our campaign ▪ The business account campaign promoted a PLN Our social media presence currently includes 1
Slide 19: Our People
PEOPLE Our People HR Digitalization Organisational Culture ▪ As part of the rebranding, we implemented comprehensive changes across HR ▪ At the beginning of 2026, the Bank received the Top Employer Poland 2026 systems and the related ecosystem of tools and content to ensure that digital and Top Empl
Slide 20: Balance sheet
BALANCE SHEET DEVELOPMENT IN Q1 2026 PLN m Balance sheet Asset development in Q1 2026 Lliabilities development in Q1 2026 308.2 9.0 1.7 304.4 308.2 2.2 5.0 0.001 0.3 2.1 5.5 6.1 2.0 1.1 304.4 0.5 0.3 ◼ Total loans +2%* QoQ. ◼ Total deposits -1% QoQ. ◼ Loans for individual clients remained stable QoQ
Slide 21: Net profit impacted by higher CIT and regulatory costs
P&L IN Q1 2026 PLN m Net profit impacted by higher CIT and regulatory costs QoQ net profit development YoY net profit development 1 683 39 318 1 571 19 435 444 529 6 25 86 8 258 2 1 028 1 028 Net Profit Δ Δ Δ Risk Δ FX Δ Other Δ Taxes on Net Profit Net Profit Δ OperatingΔ Operating Δ Risk Δ FX Δ Oth
Slide 22: Strong capital position and balance sheet metrics
RATIOS IN Q1 2026 Strong capital position and balance sheet metrics Loan/deposit ratio Liquidity ratios 216.18% 73.6% 202.84% 204.91% 200.78% 72.0% 72.7% 191.55% 71.0% 70.8% 150,88% 147,07% 150,61% 152,42% 147,01% LCR NSFR 31.03.2025 30.06.2025 30.09.2025 31.12.2025 31.03.2026 31.03.2025 30.06.2025
Slide 23: Efficiency, profitability, and risk ratios
RATIOS IN Q1 2026 Efficiency, profitability, and risk ratios Net interest margin NIM Cost/income ratio C/I Return on equity ROE 42.2% 4.94% 4.89% 4.88% 34.5% 23.6% 4.64% 4.53% 28.3% 31.1% 27.4% 21.9% 21.6% 20.0% 19.9% Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q1
Slide 24: Robust capital ratios with significant surplus
WHOLESALE FUNDING AND CAPITAL: CAPITAL AND RISK-WEIGHTED ASSETS (RWA) Robust capital ratios with significant surplus Basel 3 capital (phased-in) Risk-weighted assets (phased-in) in PLN bn in PLN bn -1.9% -3.5% 144.6 148.3 148.9 26.8 26.9 139.5 26.6 26.5 26.1 3.2 3.6 3.5 132.7 21.9 21.9 2.8 1.1 1.0 0
Slide 25: Capital ratios significantly above regulatory requirements
WHOLESALE FUNDING AND CAPITAL: CAPITAL AND RISK-WEIGHTED ASSETS (RWA) Capital ratios significantly above regulatory requirements Basel 3 capital ratios (reported, phased-in) MREL ratio High capital ratios, reflecting the Bank’s strong capital position, MREL ratio 25.5% vs. regulatory requirement of
Slide 26: Retail banking
RETAIL BANKING PLNm Retail banking Cash loans portfolio (gross) Mortgage loans and advances portfolio (gross) SME financing portfolio (Loans & Leasing) (gross) ◼ PLN mortgage loans portfolio +4% YoY +8% ◼ FX mortgage loans portfolio: -26% YoY +4% +3% 19 822 19 283 18 419 18 490 18 978 18 182 18 121
Slide 27: Leasing
LEASING PLNm Leasing Portfolio ◼ Leasing portfolio: PLN 16.4bn, +5% YoY +5% ◼ The value of financed assets in the SME segment is PLN 1.1bn 16 572 16 504 16 448 Erste Leasing was awarded the prestigious title of 16 249 Energy Transformation Leader for creating and 15 724 implementing a pioneering Gre
Slide 28: Factoring
FACTORING PLNm Factoring Portfolio +1% ◼ Factoring company takes second place on the market in terms of the balance sheet in 2025. 8 842 9 045 8 771 8 959 ◼ Factoring ranks the third in payables financing (17% market 8 639 share). 31.03.2025 30.06.2025 30.09.2025 31.12.2025 31.03.2026 Turnover - cum
Slide 29: Key financial ratios
KEY FINANCIAL RATIOS Key financial ratios 1. Net interest income annualised on a year-to-date basis (excluding interest income from the portfolio of debt securities held for trading and other exposures Key financial ratios Q1 2026 Q1 2025 related to trading) to average net earning assets as at the e
Slide 30: Thank You
Thank You Contact details Maciej Reluga, Vice President of the Management Board, Erste Bank Polska maciej.reluga@erste.pl Agnieszka Dowżycka, Head of Investor Relations, Erste Bank Polska agnieszka.dowzycka@erste.pl