Alior Bank S A : Financial document (Alior Bank 1Q 2025 EN)

About this update from Alior Bank Sa

PRESENTATION OF RESULTS FOR 1Q 25 ALIOR BANK SA | APRIL 25, 2025 AGENDA Operating activities Credit risk Financial results Other issues 1 OPERATING ACTIVITIES IN 1Q 25 ALIOR BANK ACHIEVED VERY GOOD FINANCIAL RESULTS The number of mobile app users was 1.33 mn (16% more than at the end of 1Q 24). The number of customers with a main relationship was 1.05 mn (56 k more than at the end of 1Q 24). Growth of the deposit portfolio At the end of 1Q 25, the liabilities to customers were PLN bn 78.5, an increase of 5% y/y. Increase in the sales of mortgage loans In 1Q 25, sales of real estate loans to retail customers amounted to almost PLN bn 1, an increase of 32% q/q. At the end of 1Q 25, the portfolio of real estate loans reached PLN bn 20.9, and their share reached 31.5% (gross) in the Bank's portfolio. Dividend payment The Management Board's intention is to recommend that approx. 50% of the net profit generated in 2024 be allocated to the payment of dividends. In 1Q 25, revenues amounted to PLN bn 1.47 (-2% y/y) net interest income was PLN bn 1.28 (+1% y/y) net commission income was PLN mn 209 (-3% y/y) Alior Bank Group's net profit in 1Q 25 amounted to PLN mn 476 and was lower by PLN mn 102 compared to the result in 1Q 24. Alior Bank's net profit in 1Q 25, adjusted for the impact of one-off events, amounted to approx. PLN mn 517. Stabilization of costs of risk at the expected level Cost of risk in 1Q 25 amounted to PLN mn 120 and the CoR ratio was 0.74%. Continuation of the decline in the NPL ratio, to 6.69% - a decrease by 0.96 pp. in the last 12 months Very strong and safe capital position Tier 1 and TCR at 17.37% High surplus over regulatory minimums: for Tier 1 it's 8.86 pp. (PLN bn 5.0) for TCR it's 6.86 pp. (PLN bn 3.9) ANOTHER GOOD QUARTER FOR ALIOR BANK Assets (PLN bn) +6% 96,6 Deposits* (PLN bn) +5% 78,5 Gross Performing Loans** (PLN bn) +1% 91,4 74,9 61,2 61,8 1Q 24 1Q 25 1Q 24 1Q 25 NIM 1Q 25 ROE 1Q 25 5.88% 16.8% -0.08 pp. y/y -7.6 pp. y/y C/I 1Q 25 COR 1Q 25 42.0% 0.74% +5.6 pp. y/y +0.05 pp. y/y 1Q 24 1Q 25 TCR 1Q 25 17.37% -0,09 pp. y/y NPL 1Q 25 6.69% -0.96 pp. y/y Liabilities to customers for 1Q 24 were adjusted for the value of Bank Securities and the value of liabilities due to the issue of debt securities Volume of gross loans classified to stages 1 and 2 STRONG GROWTH OF MOBILE APP USERS RETAIL CUSTOMERS Number of customers with regular inflows (k) +5% / +82 k Users of Alior Bank mobile app (k) +16% / +182 k 1,33 1,54 1,56 1,58 1,62 1,60 1,15 1,20 1,24 1,27 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 Share of mobile app users among relationship and installment customers (%) +6% pp. 39,1% 40,8% 42,7% 43,6% 45,0% 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 % of e2E sales initiated in the mobile channel (%) +5 pp. 37,5% 38,1% 35,3% 33,2% 33,5% 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 REGULAR INCREASE IN MORTGAGE SALES Balance of assets of retail customers (PLN bn) +12% 63,4 64,1 65,8 69,9 62,5 6,9 6,2 6,3 6,0 6,1 5,9 5,4 0,4 4,2 4,9 1,3 3,7 1,1 0,7 0,6 15,1 15,3 14,2 13,8 14,2 37,2 37,8 38,4 38,8 41,4 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 Current accounts Term deposits Bank Securities issues and others Investment funds Financial instruments in brokerage accounts Sale of consumer loans to retail customers (PLN bn) +19% 3,7 3,5 2,9 2,9 2,8 1,7 1,3 1,3 1,2 1,1 1,6 1,7 1,6 2,0 2,2 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 Cash loans Consumer finance RETAIL CUSTOMERS Gross loans to retail customers (PLN bn) +2% +1% 40,9 41,1 41,6 19,7 20,5 20,9 21,2 20,5 20,7 1Q 24 4Q 24 1Q 25 Consumer loans Loans for real estate Sale of mortgage loans to retail customers (PLN bn) -40% x2,4* 1,6 1,0 1,2 0,7 0,6 0,7 0,1 1,0 0,4 0,6 0,6 0,7 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 including: 2% Safe Mortgage * excluding 2% Safe Mortgage IMPROVEMENT IN THE STRUCTURE OF THE LOAN PORTFOLIO IN THE BUSINESS CUSTOMER SEGMENT* BUSINESS CUSTOMER Loan volume (PLN bn) Loan volume (PLN bn) performing portfolio -3% -5% 18,0 17,5 17,4 17,5 17,5 2,9 2,8 2,8 2,8 2,7 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 Total credit limit granted (PLN bn) -6% 2,4 2,3 2,4 2,3 1,9 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 * subsegments Micro/Small/Medium/Large In 1Q 25, Alior Bank had a market share in the sales of the business customer segment of 5.4% (-0.1 pp. y/y). Over the last four quarters, the Bank maintained a stable balance of the business customer segment loan portfolio. AN UPWARD TREND IN KEY PERFORMANCE MEASURES BUSINESS CUSTOMER Sale of online accounts in the Micro segment (k) +47% share of online account sales in the Micro segment +17% 3 962 3 466 3 570 2 691 2 778 69% 61% 56% 72% 73% 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 of orders executed remotely* +14 pp. 92% 93% 79% 81% 80% 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 The dynamic increase in the sales of accounts in the Micro segment, including a 47% increase in online acquisitions, is the result of the consistent implementation of the business strategy. In the higher segments, we maintain a level of 93% of orders executed remotely. subsegments Small/Medium/Large ALIOR LEASING'S PORTFOLIO REACHED OVER PLN BN 6.6, A GROWTH OF 4% Y/Y Lease and loans portfolio (PLN mn) Sale of leases and loans (PLN mn) +4% -8% +1% 6 624 -12% 6 577 840 6 341 6 411 6 435 805 731 739 704 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 Alior Leasing's sales in 1Q 25 amounted to PLN mn 739 and was 8% lower than in the previous year, The share of individual asset classes remains stable. In 1Q 25, 46% of sales were vehicles up to 3.5 tons, 34% vehicles over 3.5 tons, and 19% were machinery and equipment, In 1Q 25, Alior Leasing registered almost 1 thousand vehicles over 3.5t and, in the group of new and used vehicles, ranked 3rd among leasing companies, Alior Leasing's share in this segment was 15%, and in the TOP 10 market group it was 17%*. * based on SAMAR data

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