Bnp Paribas Bank Polska Spolka Akcyjna · GPW:BNP
Bnp Paribas Bank Polska Spolka Akcyjna — BNP Paribas Bank Polska — Q1 2026 Earnings Presentation
49 slides from Bnp Paribas Bank Polska Spolka Akcyjna's earnings presentation, May 7, 2026
Slide 1: Presentation of Q1 2026 Results
7 MAY 2026 PRESENTATION OF Q1 2026 RESULTS BNP PARIBAS BANK POLSKA SA GROUP
Slide 2: Agenda
Agenda 01 Key highlights 02 Macroeconomic environment 03 Financial results 04 Summary & Outlook 05 Business activities 06 Appendices
Slide 3: Key highlights
01 Key highlights
Slide 4: Key results of BNP Paribas Bank Polska Group in Q1 2026
Key results of BNP Paribas Bank Polska Group in Q1 2026 Growth in loan volumes in both segments and high focus on deposit margin. Increase in income tax rate, impact of one-off recognition of BGF contribution 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
Slide 5: Accelerate 2030 strategy
Accelerate 2030 strategy Start of the strategy operationalization in Q1 2026 Retail & Business Banking Corporate Banking & SME Business Since establishing strategic partnerships Behavioural protection service 3M 2026 2030 ambitions with RTV Euro AGD and Media Expert in available for companies for fr
Slide 6: Customer business activity – sales & transactional volumes
Customer business activity – sales & transactional volumes Growth in retail product sales. Mortgage loans sales under pressure from the competitive environment. Focus on strategic subsegments of Institutional Customers and sales to own customer base Retail Banking q/q y/y Corporate & SME Banking q/q
Slide 7: Loan and deposit volumes
Loan and deposit volumes Growth of the loan portfolio mainly in the Institutional Customer segment. Seasonal decline in end-of-period deposits of Institutional Customers with an increase in average balance. Increase in the number of Customers Gross loans [PLN million] Customer deposits [PLN million]
Slide 8: Quarterly financial results
Quarterly financial results NBI under pressure of interest rates cuts and market volatility. Operating expenses under control. Low cost of risk and similar quarterly level of CHF legal risk. Increase in income tax rate and one-off recognition of BGF costs with impact on net profit Net banking income
Slide 9: Key financial ratios
Key financial ratios ROTE and C/I ratios impacted by the increase in CIT rate and one-off regulatory burdens. A slowdown in the net interest margin decline. Low cost of credit risk Cost / Income [%] Net interest margin on assets [%] Financial ratios 54.0% • Deterioration of the reported Cost / 3.64%
Slide 10: Macroeconomic environment
02 Macroeconomic environment 6/05/26 10
Slide 11: GDP, economic situation and inflation
GDP, economic situation and inflation Energy price shock may alter the economic scenario for 2026; but Q1 data show little impact of it, yet Macroenvironment GDP growth likely remained around 3.5-4.0% in Q1 2026 Contribution of main components to CPI inflation (pp) 20 The outbreak of the war in Iran
Slide 12: Monetary policy, exchange rate and the banking sector
Monetary policy, exchange rate and the banking sector The Monetary Policy Council suspends the monetary policy easing cycle Macroenvironment The MPC moves into the wait-and-see mode; the zloty supported by robust balance of payments fundamentals Despite the surge in oil and natural gas 20 -40 prices
Slide 13: Financial results
= “e x Pua rAREAs aI 03 Financial results
Slide 14: Key financial data – 3M 2026
Key financial data – 3M 2026 Increase in the scale of operations visible on both sides of the balance sheet. The impact of higher regulatory burdens on net profit. Liquidity and capital ratios comfortably above the requirements Financial results Volumes Assets PLN 177 billion +7.5% y/y Net profit PL
Slide 15: Loan portfolio
Loan portfolio 52% Continued growth of Institutional Customer loans. Consistent increase in sales of consumer loans, mortgage loans sales impacted by the price competition and changes in Customer preferences share in total assets Gross Customer loans* [PLN million] Changes in the loan portfolio +1.8
Slide 16: CHF mortgage loan portfolio
CHF mortgage loan portfolio Stabilization of the number of new claims and the quarterly level of impact of legal risk of CHF mortgage loans Gross CHF mortgage loans [PLN million] Number of settlements concluded with borrowers Share of CHF housing loans in the Bank's total loan portfolio Results of i
Slide 17: Customer deposits
Customer deposits 77% Growth of individual Customer deposits, seasonal decrease of institutional Customer deposits. Growth of average balances. High pressure on pricing from the competition but strong focus on margins share in total liabilities and equity Customer deposits [PLN million] Changes in t
Slide 18: Investment products
Investment products Further growth in the value of investment products, primarily investment fund assets. Continued interest of Clients in debt funds Investment products [PLN million] Increase in the value of investment funds, Customers’ assets on brokerage accounts and DPM +6.9% q/q • Significant i
Slide 19: Net interest income
Net interest income 74% Slowdown of the decline in net interest margin despite the ongoing price pressure on the market. Further optimization of cost of financing share in NBI Net interest income [PLN million] Net interest income and expenses [PLN million] -3.2% y/y -3.2% y/y -1.5% q/q 6 482 -3.2%*y
Slide 20: Net fee and commission income
Net fee and commission income 16% Stabilization of quarterly results. Increase in sales of investment products and asset management and brokerage operation fees. No large one-off lending or M&A-related fees share in NBI Net fee and commission income [PLN million] Fee and commission income and expens
Slide 21: Net trading income
Net trading income 10% Lower net trading income on a quarterly basis, among others, due to the deterioration in valuation of financial instruments with simultaneous stabilization of FX Customer result – impact of market volatility in March share in NBI Net trading income [PLN million] Margin on FX a
Slide 22: Operating expenses, depreciation and amortization
Operating expenses, depreciation and amortization Effective management of business-as-usual expenses. Increase and change in the structure of contributions to the BGF Operating expenses [PLN million] Changes in operating expenses +8.6% y/y +8.6% y/y +31.5% q/q • Growth in costs y/y mainly due to the
Slide 23: Net allowances on expected credit losses
Net allowances on expected credit losses Cost of risk confirming high portfolio quality and resilience Cost of risk by segment [PLN million] Net allowances on expected credit losses in Q1 2026 amounted to +129.4% y/y +129.4% y/y -9.1% q/q PLN -62 million, translating into cost of risk at the level o
Slide 24: Loan portfolio quality
Loan portfolio quality Low and stable NPL share in the loan portfolio Total loans – share of NPLs* in the portfolio measured Loans to Individual Customers – share of NPLs* at amortised cost NPL ratio for both loan portfolios in total (measured at fair value and at amortized cost) was 2.8% at the end
Slide 25: Loan portfolio quality
Loan portfolio quality Stable loan portfolio quality, adequate provision coverage ratios Share of each Stage in the gross loan portfolio* Provision coverage for the gross loan portfolio Stable level of coverage in the Stage 2 – Stages 1 & 2 and POCI performing in Q1 2026. 86.1% 86.4% 86.8% 88.0% 87.
Slide 26: Capital adequacy
Capital adequacy Capital ratios significantly above regulatory requirements. Approx. 50% of 2025 net profit allocated for dividend payment 17.44% 17.51% 16.19% 16.86% 16.79% Total own funds TCR and Tier 1 above the minimum regulatory requirement TCR 11.00% 11.00% 12.00% 11.75% 11.75% TCR (reported)
Slide 27: Summary & Outlook
at ~ in — BAS” a BNP PARI Summary & Outlook on xe
Slide 28: Medium-term outlook
Medium-term outlook Operationalization and implementation of the defined strategic priorities of the Bank while addressing sector-wide challenges. Robust economic outlook despite potential impact of geopolitical risks • Rising market volatility and economic uncertainty driven by geopolitical tension
Slide 29: Business activities
Business activities nt oe
Slide 30: Retail and Business Banking
Retail and Business Banking Sales growth for the majority products. Ongoing development of the electronic banking 2.7 million -239+55 thous. thous. -8.1% y/y Retail & Business +2.1% q/q functionality Customers* Business development Product offer Acquisition of Individual Customers*** Sales of person
Slide 31: Retail and Business Banking
Retail and Business Banking Segment's share in the Group's Gross profit decline due to, among others, the negative impact of the interest rates cuts on NII, net banking income 49% the impact of legal risk of the CHF portfolio and the increase in BGF costs Gross profit/loss structure [PLN million] Ne
Slide 32: Corporate Banking, SME & CIB
Corporate Banking, SME & Corporate and Institutional Banking (CIB) 12.5 thous. Corporate Customers 21.6 thous. SME Customers Focus on addressing Customers’ needs and service quality + 0.2 thous., +1.4% y/y - 0.6 thous., -2.7% y/y - 0.6… - 0.1 thous., -0.9% q/q - 0.3 thous., -1.3% q/q Business develo
Slide 33: Corporate Banking & CIB
Corporate Banking & CIB Segments’ share in the Group's Lower gross profit mainly due to a decline in net trading income in the CIB area, pressure on net banking income 32% interest margins and higher operating costs Gross profit/loss structure [PLN million] Net loan portfolio* [PLN million] +11.0% y
Slide 34: SME Banking
SME Banking Segment's share in the Group's 9% net banking income Lower gross profit due to the negative impact of cost of risk and a decline in interest income Gross profit/loss structure [PLN million] Net loan portfolio* [PLN million] +2.1% y/y +1.1% q/q 6,039 5,893 6,049 6,097 6,166 457 447 465 45
Slide 35: Sustainability and Agribusiness Area
Sustainability and Agribusiness Area Food & Agro Energy transition and decarbonization and a sustainable agri-food sector 73.9 73.9…thous. thous. Customers Business development Sales and customer relations activities Food & Agro volumes 31.03.2026 Corporate Corporate New products: Retail Retail 34%
Slide 36: Bank subsidiaries
Bank subsidiaries Continuation of investments in safer bond subfunds in Q1 2026. Leasing assets on a stable level BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A. Assets under management of BNPP TFI [PLN million] 10,318 10,588 9,643 • The value of assets under management (AuM) at the end of Q1 2
Slide 37: Appendices
06 Shares of BNP Paribas Bank Polska S.A. #GOdigital – statistics Appendices Material events 2024-2026 Loan portfolio Deposit base structure Liquidity Net banking income Profit and Loss Account Assets, Liabilities and Equity
Slide 38: Shares of BNP Paribas Bank Polska S.A.
Fitch rating (update on 27 October 2025) Shares of BNP Paribas Bank Polska S.A. Long-Term Issuer Default Rating (LT IDR) – A+ with a Negative Outlook Noticeable impact of an increase of free float to 25%, introduction of the Accelerate 2030 Strategy Short-Term Issuer Default Rating (ST IDR) – F1 and
Slide 39: #GOdigital – statistics
#GOdigital – statistics Continued growth in the number of e-banking and mobile banking users Customers using digital channels [thous.] Number of tokens in digital wallets [thous.] 1,680 1,674 1,674 1,704 1,724 +1% q/q 631 651 674 656 675 +3% q/q 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 +3% y/y 1Q 25 2Q 25 3Q 2
Slide 40: Material events
Material events in individual reporting periods 1st quarter 2nd quarter 3rd quarter 4th quarter • PLN -108.2 m - CHF mortgage loan portfolio legal risk impact 2026 • PLN -238.9 m - BGF restructuring fund contribution recognized in the Q1 operating costs • PLN -64.9 m - CHF mortgage loan • PLN -119.2
Slide 41: Loan portfolio
Loan portfolio Structure of loans in the Individual and Institutional Customer segments Individual Customer loans [PLN million] Institutional Customer loans** [PLN million] +5.1% y/y +0.1% q/q +7.0% y/y +2.8% q/q 60,794 56,822 56,450 57,611 59,131 218 185 70 72 170 33,831 34,428 34,477 32,815 32,830
Slide 42: Deposit base structure
Deposit base structure Term structure of deposits and by Customer segment Deposit term structure [PLN million] Deposit structure by Customer type [PLN million] 68.9% 67.5% 68.8% 68.0% 64.7% net loans / deposits +7.9% y/y -3.1% q/q +7.9% y/y -3.1% q/q 140,888 140,888 129,255 136,579 136,579 126,560 1
Slide 43: Liquidity
Liquidity Stable and diversified deposit base, high level of liquid assets Customer deposits [PLN million] Customer deposit structure [%] 140,888 136,579 128,812 129,255 31.03.26 66.2% 32.8% 1.0% 126,560 Share 31.12.25 66.9% 32.2% in total liabilities 76.7% 76.4% 76.7% 78.0% 77.0% -3.1% q/q 1.0% Cur
Slide 44: Net banking income
Net banking income Impact of interest rate cuts and the lack of one-offs comparable to last year within the net trading income on the decline in NBI 3M 2026 vs 3M 2025 [PLN million] 3M 2026 3M 2025 cha ng e • Decline in net interest income in Q1 2026 vs. Q1 2025 related to the negative Net inter est
Slide 45: Consolidated P&L
Consolidated P&L PLN thous. Profit and loss account 31.03.2026 31.03.2025 Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 Inter est income 2,28 0 ,213 2,5 14,20 8 2,28 0 ,213 2,416 ,776 2,45 0 ,195 2,491,735 2,5 14,20 8 Inter est expenses (8 34,399) (1,0 19,8 8 2) (8 34,399) (948 ,95 2) (993,6 0 2) (1,0 18
Slide 46: Assets
Assets PLN thous. Consolidated statements of financial position 31.03.2026 31.12.2025 30.09.2025 30.06.2025 31.03.2025 ASSETS Cash and balances with the Centr al Bank 10,372,394 10,224,866 6,916,304 7,556,716 6,128,762 Amounts due fr om banks 5,347,040 11,616,566 5,946,747 9,392,969 12,124,261 Der i
Slide 47: Liabilities and equity
Liabilities and equity PLN thous. Consolidated statements of financial position 31.03.2026 31.12.2025 30.09.2025 30.06.2025 31.03.2025 LIABILITIES Amounts due to the Centr al Bank - - - - - Amounts due to other banks 10,189,219 10,145,231 10,680,231 10,614,897 10,207,033 Adjustment of fair value of
Slide 48: Disclaimer
Disclaimer • This presentation constitutes neither a sales offer nor an invitation to submit an offer to purchase or buy securities or financial instruments issued by BNP Paribas Bank Polska S.A. (“Bank”), nor any advice or recommendation with respect to the securities or other financial instruments
Slide 49: 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
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