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Alior Bank S A : Financial document (Capital Adequacy and Other Information Subject to Disclosure of the Alior Bank S.A. Capital Group 30.06.2025)

Alior Bank S A : Financial document (Capital Adequacy and Other Information Subject to Disclosure of the Alior Bank S.A. Capital Group

Alior Bank SaAugust 5, 20254
Alior Bank S A : Financial document (Capital Adequacy and Other Information Subject to Disclosure of the Alior Bank S.A. Capital Group 30.06.2025)

About this update from Alior Bank Sa

Capital Adequacy and Other Information Subject to Disclosure of the Alior Bank Spółka Akcyjna Capital Group as at 30 June 2025 Disclosure Pillar III List of Tables for the period 2025/06 No. Table 1. EU KM1 - Key metrics template 2. EU KM2 - Key metrics - MREL and, where applicable, G-SII requirement for own funds and eligible liabilities 3. EU TLAC1 - Composition - MREL and, where applicable, G-SII requirement for own funds and eligible liabilities 4. EU TLAC3b - Creditor ranking - Resolution entity 5. EU REM1 - Remuneration awarded for the financial year 6. EU REM2 - Special payments to staff whose professional activities have a material impact on institutions' risk profile (identified staff) 7. EU REM5 - Information on remuneration of staff whose professional activities have a material impact on institutions' risk profile (identified staff) 8. Guidelines EBA/GL/2022/06 and EBA/GL/2021/04 9. Management Board's statement Introduction Alior Bank SA is obliged, pursuant to Part Eight of Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms, amending Regulation (EU) No. 648/2012, as amended (hereinafter referred to as the "CRR Regulation") and the Banking Law Act of August 29, 1997, as amended (hereinafter referred to as the "Banking Law Act"), publish in a generally accessible manner interim information of a quantitative and qualitative nature in the field of Pillar III of excluding non-essential, proprietary or confidential information. Information is published in accordance with Commission Implementing Regulation (EU) 2024/3172 of 29 November 2024 laying down implementing technical standards for the application of Regulation (EU) No 575/2013 of the European Parliament and of the Council with regard to public disclosures by institutions of the information referred to in Part Eight, Titles II and III, of that Regulation, and repealing Commission Implementing Regulation (EU) 2021/637, as amended (hereinafter "Regulation 2024/3172"), and is also published in accordance with Guidelines EBA/GL/2020/12 amending Guidelines EBA/GL/2018/01 and Guidelines EBA/GL/2021/04, EBA/GL/2022/08 and EBA/GL/2022/06 on remuneration policies. The disclosure of information regarding the minimum requirement for own funds and eligible liabilities - MREL - is in accordance with Commission Implementing Regulation (EU) 2024/1618 of 6 June 2024 amending Implementing Regulation (EU) 2021/763 laying down implementing technical standards for the application of Regulation (EU) No 575/2013 of the European Parliament and of the Council and Directive 2014/59/EU of the European Parliament and of the Council with regard to the supervisory reporting and public disclosure of the minimum requirement for own funds and eligible liabilities . Data regarding the remuneration policy have been supplemented or updated in relation to the report: "Capital Adequacy and Other Information Subject to Disclosure of the Alior Bank Spółka Akcyjna Group for the year ended December 31, 2024", with the value of variable remuneration that was awarded and accepted in accordance with Remuneration Policy after the date of publication of the annual report. The report is an implementation of the adopted "Information Policy regarding capital adequacy and other information to be published at Alior Bank S.A." (hereinafter "Information Policy"). The information policy was implemented by a resolution of the Bank's Management Board and approved by the Bank's Supervisory Board, and is published on the Bank's website. The presented semi-annual scope of information is consistent with the requirements of Articles 433 and 433c of the CRR Regulation. Taking into account the scale of its operations, the bank does not meet the conditions described in Art. 4 points 145 and 146 of the CRR Regulation. The published scope of information is intended to provide market participants with a comprehensive picture of the risk profile of Alior Bank SA and the Alior Bank SA Capital Group. As at June 30, 2025, the Alior Bank SA Capital Group consists of: Alior Bank SA, as the parent company, and subsidiaries in which the Bank holds majority shares. For the purposes of calculations in the area of capital adequacy, prudential consolidation was used - in accordance with Article 19 of the CRR Regulation - therefore, the consolidation included Alior Bank SA and Alior Leasing Sp. z o.o. Unless otherwise stated, the information in this document was disclosed on the basis of data from the interim condensed consolidated financial statements of the Alior Bank SA Capital Group for the 6-month period ended June 30, 2024. Alior Bank SA has the dominant influence on the shape of the risk profile in the Bank's Capital Group, therefore some of the information contained in the report concerns individual data of Alior Bank SA. Figures are drawn up in Polish zlotys (PLN) and are rounded up to one million zlotys (M), with accuracy to one decimal place. This version of our report is a translation from the original, which was prepared in Polish language. All possible care has been taken to ensure that the translation is an accurate representation of the original. However, in all matters of interpretation of information, views or opinions, the original language version of our report takes precedence over this translation. EU KM1 - Key metrics template PLN m a c e 30.06.2025 31.12.2024* 30.06.2024 Available own funds (amounts) 1 Common Equity Tier 1 (CET1) capital 9 930,0 9 741,9 8 591,4 2 Tier 1 capital 9 930,0 9 741,9 8 591,4 3 Total capital 9 930,0 9 741,9 8 797,7 Risk-weighted exposure amounts 4 Total risk exposure amount 58 504,4 51 211,5 50 196,3 4a Total risk exposure pre-floor 58 504,4 Capital ratios (as a percentage of risk-weighted exposure amount) 5 Common Equity Tier 1 ratio (%) 16.97% 19.02% 17.12% 5a Not applicable 5b Common Equity Tier 1 ratio considering unfloored TREA (%) 16.97% 6 Tier 1 ratio (%) 16.97% 19.02% 17.12% 6a Not applicable 6b Tier 1 ratio considering unfloored TREA (%) 16.97% 7 Total capital ratio (%) 16.97% 19.02% 17.53% 7a Not applicable 7b Total capital ratio considering unfloored TREA (%) 16.97% Additional own funds requirements to address risks other than the risk of excessive leverage (as a percentage of risk-weighted exposure amount) EU-7d Additional own funds requirements to address risks other than the risk of excessive leverage (%) n/a n/a n/a EU-7e of which: to be made up of CET1 capital (percentage points) n/a n/a n/a EU-7f of which: to be made up of Tier 1 capital (percentage points) n/a n/a n/a EU-7g Total SREP own funds requirements (%) 8.00% 8.00% 8.00% Combined buffer and overall capital requirement (as a percentage of risk-weighted exposure amount) 8 Capital conservation buffer (%) 2.50% 2.50% 2.50% EU 8a Conservation buffer due to macro-prudential or systemic risk identified at the level of a Member State (%) n/a n/a n/a 9 Institution specific countercyclical capital buffer (%) 0.0144% 0.0137% 0.0174% EU 9a Systemic risk buffer (%) 0.00% 0.00% 0.00% 10 Global Systemically Important Institution buffer (%) n/a n/a n/a EU 10a Other Systemically Important Institution buffer (%) n/a n/a n/a 11 Combined buffer requirement (%) 2.51% 2.51% 2.52% EU 11a Overall capital requirements (%) 10.51% 10.51% 10.52% 12 CET1 available after meeting the total SREP own funds requirements (%) 8.97% 11.02% 9.53% Leverage ratio 13 Total exposure measure 109 464,0 99 219,5 94 339,1 14 Leverage ratio (%) 9.07% 9.82% 9.11% Additional own funds requirements to address the risk of excessive leverage (as a percentage of total exposure measure) EU 14a Additional own funds requirements to address the risk of excessive leverage (%) n/a n/a n/a EU 14b of which: to be made up of CET1 capital (percentage points) n/a n/a n/a EU 14c Total SREP leverage ratio requirements (%) 3.00% 3.00% 3.00% Leverage ratio buffer and overall leverage ratio requirement (as a percentage of total exposure measure) EU KM1 - Key metrics template PLN m a c e 30.06.2025 31.12.2024* 30.06.2024 EU 14d Leverage ratio buffer requirement (%) n/a n/a n/a EU 14e Overall leverage ratio requirement (%) 3.00% 3.00% 3.00% Liquidity Coverage Ratio 15 Total high-quality liquid assets (HQLA) (Weighted value -average) 24 132,6 22 632,0 21 227,8 EU 16a Cash outflows - Total weighted value 13 684,1 14 191,0 14 014,0 EU 16b Cash inflows - Total weighted value 2 080,7 2 081,1 2 206,0 16 Total net cash outflows (adjusted value) 11 603,4 12 109,9 11 808,0 17 Liquidity coverage ratio (%) 209% 187% 180% Net Stable Funding Ratio 18 Total available stable funding 78 383,5 76 179,3 72 995,5 19 Total required stable funding 53 586,5 51 518,9 50 830,8 20 NSFR ratio (%) 146% 148% 144% *On April 11, 2025, the Polish Financial Supervision Authority (KNF) approved the inclusion of part of the prudentially consolidated net profit of the Alior Bank SA Capital Group for 2024 in the prudentially consolidated Common Equity Tier 1 capital of the Alior Bank SA Capital Group. The Data as at December 31, 2024, were recalculated, taking into account the net profit generated for 2024 in own funds, for which the consent of the Polish Financial Supervision Authority was obtained. Therefore, the table above presents changed data in relation to the information published for 2024 in the report "Capital Adequacy and Other Information Subject to Disclosure of the Alior Bank Spółka Akcyjna Capital Group as at 31 December 2024". On 16 June 2025, the Ordinary General Meeting of the Bank adopted resolution No. 7/2025 on the method of dividing the Bank's profit for the financial year 2024. EU KM2 - Key metrics - MREL and, where applicable, G-SII requirement for own funds and eligible liabilities PLN m Minimum requirement for own funds and eligible liabilities (MREL) G-SII Requirement for own funds and eligible liabilities (TLAC) a b c d e f 30.06.2025 30.06.2025 31.03.2025 31.12.2024 30.09.2024 30.06.2024 Own funds and eligible liabilities, ratios and components 1 Own funds and eligible liabilities 11 741,3 n/a n/a n/a n/a n/a EU-1a Of which own funds and subordinated liabilities 11 188,9 x x x x x 2 Total risk exposure amount of the resolution group (TREA) 58 504,4 n/a n/a n/a n/a n/a 3 Own funds and eligible liabilities as a percentage of TREA (row1/row2) 20.07% n/a n/a n/a n/a n/a EU-3a Of which own funds and subordinated liabilities 19.12% x x x x x 4 Total exposure measure of the resolution group 109 464,0 n/a n/a n/a n/a n/a 5 Own funds and eligible liabilities as percentage of the total exposure measure 10.73% n/a n/a n/a n/a n/a EU-5a Of which own funds or subordinated liabilities 10.22% x x x x x 6a Does the subordination exemption in Article 72b(4) of the CRR apply? (5% exemption) x n/a n/a n/a n/a n/a 6b Pro-memo item - Aggregate amount of permitted non-subordinated eligible liabilities in-struments If the subordination discretion as per Article 72b(3) CRR is applied (max 3.5% exemption) x n/a n/a n/a n/a n/a 6c Pro-memo item: If a capped subordination exemption applies under Article 72b (3) CRR, the amount of funding issued that ranks pari passu with excluded liabilities and that is recognised under row 1, divided by funding issued that ranks pari passu with excluded Liabilities and that would be recognised under row 1 if no cap was applied (%) x n/a n/a n/a n/a n/a Minimum requirement for own funds and eligible liabilities (MREL) EU-7 MREL requirement expressed as percentage of the total risk exposure amount 15.36% x x x x x EU-8 Of which to be met with own funds or subordinated liabilities 15.36% x x x x x EU-9 MREL requirement expressed as percentage of the total exposure measure 5.91% x x x x x EU-10 Of which to be met with own funds or subordinated liabilities 5.91% x x x x x Alior Bank SA is not a global systemically important institution (G-SII), therefore it is obliged to meet the minimum requirement in terms of own funds and eligible liabilities MREL. PLN m Minimum requirement for own funds and eligible liabilities (MREL) G-SII requirement for own funds and eligible liabilities (TLAC) Memo item: Amounts eligible for the purposes of MREL, but not TLAC Own funds and eligible liabilities and adjustments a b c 30.06.2025 1 Common Equity Tier 1 capital (CET1) 9 930,0 n/a n/a 2 Additional Tier 1 capital (AT1) - n/a n/a 3 Empty set in the EU 4 Empty set in the EU 5 Empty set in the EU 6 Tier 2 capital (T2) - n/a n/a 7 Empty set in the EU 8 Empty set in the EU 11 Own funds for the purpose of Articles 92a CRR and 45 BRRD 9 930,0 n/a n/a Own funds and eligible liabilities: Non-regulatory capital elements 12 Eligible liabilities instruments issued directly by the resolution entity that are subordinated to excluded liabilities (not grandfathered) 1 259,0 n/a n/a EU 12a Eligible liabilities instruments issued by other entities within the resolution group that are subordinated to excluded liabilities (not grandfathered) - n/a n/a EU12b Eligible liabilities instruments that are subordinated to excluded liabilities, issued prior to 27 June 2019 (subordinated grandfathered) - n/a n/a EU12c Tier 2 instruments with a residual maturity of at least one year to the extent they do not qualify as Tier 2 items - n/a n/a 13 Eligible liabilities that are not subordinated to excluded liabilities (not grandfathered pre cap) 552,3 n/a n/a EU-13a Eligible liabilities that are not subordinated to excluded liabilities issued prior to 27 June 2019 (pre-cap) - n/a n/a 14 Amount of non subordinated instruments eligible, where applicable after application of Article 72b (3) CRR 552,3 n/a n/a 15 Empty set in the EU 16 Empty set in the EU 17 Eligible liabilities items before adjustments 1 811,3 n/a n/a EU-17a Of which subordinated 1 259,0 n/a n/a PLN m Minimum requirement for own funds and eligible liabilities (MREL) G-SII requirement for own funds and eligible liabilities (TLAC) Memo item: Amounts eligible for the purposes of MREL, but not TLAC a b c Own funds and eligible liabilities: Adjustments to non-regulatory capital elements 18 Own funds and eligible liabilities items before adjustments 11 741,3 n/a n/a 19 (Deduction of exposures between MPE resolution groups) x n/a x 20 (Deduction of investments in other eligible liabilities instruments) x n/a x 21 Empty set in the EU 22 Own funds and eligible liabilities after adjustments 11 741,3 n/a n/a EU-22a Of which own funds and subordinated 11 188,9 x x Risk-weighted exposure amount and leverage exposure measure of the resolution group 23 Total risk exposure amount (TREA) 58 504,4 n/a n/a 24 Total exposure measure (TEM) 109 464,0 n/a n/a Ratio of own funds and eligible liabilities 25 Own funds and eligible liabilities (as a percentage of total risk exposure amount) 20.07% n/a n/a EU-25a Of which own funds and subordinated 19.12% x x 26 Own funds and eligible liabilities (as a percentage of total exposure measure) 10.73% n/a n/a EU-26a Of which own funds and subordinated 10.22% x x 27 CET1 (as a percentage of TREA) available after meeting the resolution group's requirements 9.96% n/a x 28 Institution-specific combined buffer requirement x n/a x 29 of which: capital conservation buffer requirement x n/a x 30 of which: countercyclical buffer requirement x n/a x 31 of which: systemic risk buffer requirement x n/a x EU-31a of which: Global Systemically Important Institution (G-SII) or Other Systemically Important Institution (O-SII) buffer x n/a x Memorandum items EU-32 Total amount of excluded liabilities referred to in Article 72a(2) CRR x n/a x Alior Bank SA is not a global systemically important institution (G-SII), therefore it is obliged to meet the minimum requirement in terms of own funds and eligible liabilities MREL. EU TLAC3b - Creditor ranking - Resolution entity PLN m Insolvency ranking 30.06.2025 1 2 3 4 5 (most junior) 1 Description of insolvency rank (free text) Receivables due to liabilities included in the bank's own funds, referred to in Art. 26 of Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013, as amended, including interest and enforcement costs Receivables due to liabilities included in the bank's own funds, referred to in Art. 51 of Regulation No. 575/2013, along with interest and enforcement costs Receivables due to liabilities included in the bank's own funds, referred to in Art. 62 of Regulation No. 575/2013, along with interest and enforcement costs Receivables from subordinated liabilities not included in the bank's own funds, along with interest and enforcement costs Receivables under bonds, together with interest and enforcement costs, excluding receivables in category 9, under other debt instruments that have the characteristics of negotiable receivables, or under instruments giving rise to the legal effects of debt financial instruments 2 Empty set in the EU 3 Empty set in the EU 4 Empty set in the EU 5 Own funds and liabilities potentially eligible for meeting MREL 9 930,0 - - - 1 259,0 6 of which residual maturity ≥ 1 year < 2 years - - - - 451,6 7 of which residual maturity ≥ 2 year < 5 years - - - - 807,4 8 of which residual maturity ≥ 5 years < 10 years - - - - - 9 of which residual maturity ≥ 10 years, but excluding perpetual securities - - - - - 10 of which perpetual securities 9 930,0 - - - - EU TLAC3b - Creditor ranking - Resolution ent PLN m Insolvency ranking 30.06.2025 6 7 8 9 10 Sum of 1 to 10 (most senior) 1 Description of insolvency rank (free text) Receivables of partners or shareholders arising from a loan or other legal transaction with similar effects, in particular the delivery of goods with deferred payment date, together with interest, if they are not subject to satisfaction in lower categories Interest on receivables included in higher categories in the order in which the capital is satisfied, as well as judicial and administrative fines and receivables for donations and bequests Other liabilities, if they cannot be satisfied in other categories, in particular taxes and other public levies and other liabilities due to social security contributions Receivables from natural persons, micro-entrepreneurs, small and medium-sized enterprises in respect of funds covered by guarantee protection other than guaranteed funds within the meaning of Art. 2 point 65 of the Act of 10 June 2016 on the Bank Guarantee Fund Receivables referred to in Art. 39 section 1 of the Act of 10 June 2016 on the Bank Guarantee Fund 2 Empty set in the EU 3 Empty set in the EU 4 Empty set in the EU 5 Own funds and liabilities potentially eligible for meeting MREL - 2,3 584,9 5,8 - 11 782,0 6 of which residual maturity ≥ 1 year < 2 years - - 34,9 5,4 - 491,9 7 of which residual maturity ≥ 2 year < 5 years - 2,3 550,0 0,4 - 1 360,1 8 of which residual maturity ≥ 5 years < 10 years - - - - - - 9 of which residual maturity ≥ 10 years, but excluding perpetual securities - - - - - - 10 of which perpetual securities - - - - - 9 930,0 Annex No. 1 to Resolution No. 310/2025 of the Management Board of Alior Bank SA EU REM1 - Remuneration awarded for the financial year PLN m a b c d MB Supervisory function MB Management function Other senior management Other identified staff 1 Number of identified staff 7 6 35 18 2 Total fixed remuneration 0,8 7,7 19,9 5,4 3 Of which: cash-based 0,8 7,5 19,4 5,2 4 (Not applicable in the EU) x x x x EU-4a Of which: shares or equivalent ownership interests - - - - 5 Fixed remuneration Of which: share-linked instruments or equivalent non-cash instruments - - - - EU-5x Of which: other instruments - - - - 6 (Not applicable in the EU) x x x x 7 Of which: other forms - 0,1 0,5 0,1 8 (Not applicable in the EU) x x x x 9 Number of identified staff 10 Total variable remuneration * 1,8 4,7 1,2 11 Of which: cash-based - 0,9 2,3 1,2 12 Of which: deferred - 0,4 0,9 - EU-13a Of which: shares or equivalent ownership interests - - - - EU-14a Of which: deferred - - - - remuneration EU-14b Of which: deferred - 0,4 0,9 - EU-14x Of which: other instruments - - - - EU-14y Of which: deferred - - - - 15 Of which: other forms - - - - 16 Of which: deferred - - - - 17 Total remuneration (2 + 10) 0,8 9,4 24,6 6,6 EU-13b Variable Of which: share-linked instruments or equivalent non-cash instruments - 0,9 2,3 - *This report has been supplemented in relation to the report as of December 31, 2024 on the value of variable remuneration for 2024, which was awarded and accepted in accordance with the Remuneration Policy after the date of publication of the annual report. The table presents the remuneration of persons employed/holding a position as of December 31, 2024. It does not include benefits from the Company Social Benefits Fund. On June 18, 2025, the Supervisory Board decided to grant variable bonuses for 2023. The Capital Adequacy Report and Other Disclosures of the Alior Bank Spółka Akcyjna Capital Group for the year ended December 31, 2023 was updated with respect to: EU REM 1: for the item "MB Management function" respectively: "Total variable remuneration": PLN 7.5 million; "Of which: cash-based": PLN 3.8 million; "Of which: deferred": PLN 2.1 milion; "Of which: share-linked instruments or equivalent non-cash instruments ": PLN 3.8 million; "Of which: deferred": PLN 2.1 million; "Total remuneration (2 + 10)": PLN 17.6 million. 10 EU REM2 - Special payments to staff whose professional activities have a material impact on institutions' risk profile (identified staff) PLN m a b c d MB Supervisory function MB Management function Other senior management Other identified staff Guaranteed variable remuneration awards - - - - 1 Guaranteed variable remuneration awards - Number of identified staff - - - - 2 Guaranteed variable remuneration awards -Total amount - - - - 3 Of which guaranteed variable remuneration awards paid during the financial year, that are not taken into account in the bonus cap - - - - Severance payments awarded in previous periods, that have been paid out during the financial year - - - - 4 Severance payments awarded in previous periods, that have been paid out during the financial year - Number of identified staff - - 1,0 - 5 Severance payments awarded in previous periods, that have been paid out during the financial year - Total amount - - - - Severance payments awarded during the financial year 6 Severance payments awarded during the financial year - Number of identified staff - 8,0 5,0 5,0 7 Severance payments awarded during the financial year - Total amount - 8,1 1,1 1,0 8 Of which paid during the financial year - 7,1 1,1 1,0 9 Of which deferred * - 1,0 - - 10 Of which severance payments paid during the financial year, that are not taken into account in the bonus cap - - - - 11 Of which highest payment that has been awarded to a single person - 0,3 0,3 - The highest payouts awarded to a single individual have been updated to reflect their allocation to the appropriate personnel categories. The corresponding amounts have been reported for the Management Board and other identified personnel, and the amount for senior management has been updated. EU REM5 - Information on remuneration of staff whose professional activities have a material impact on institutions' risk profile (identified staff) PLN m a b c d e f g h i j Management body remuneration Business areas MB Supervisory function MB Management function Total MB Investment banking Retail banking Asset management Corporate functions Independent internal control functions All other Total 1 Total number of identified staff x x x x x x x x x 66 2 Of which: members of the MB 7 6 13 x x x x x x x 3 Of which: other senior management x x x 4 6 1 7 17 - x 4 Of which: other identified staff x x x 2 4 0 1 11 - x 5 Total remuneration of identified staff 0,8 9,4 10,3 3,7 5,8 0,8 6,4 14,5 - x 6 Of which: variable remuneration 1,8 2,7 0,8 1,0 0,2 1,3 2,6 x 7 Of which: fixed remuneration 0,8 7,7 7,7 2,9 4,8 0,7 5,1 11,9 - x The table presents the remuneration of persons employed as of December 31, 2024. The management function of the management body includes data regarding the Member of the Supervisory Board delegated to perform the duties of Vice President of the Management Board of the Bank. This report has been supplemented, compared to the report as of December 31, 2024, with the value of variable remuneration for 2024, which was awarded and accepted in accordance with the Remuneration Policy after the date of publication of the annual report. On June 18, 2025, the Supervisory Board decided to grant variable bonuses for 2023. The Capital Adequacy Report and Other Disclosures of the Alior Bank Spółka Akcyjna Capital Group for the year ended December 31, 2023 was updated with respect to: EU REM 5: for the item "MB Management function" respectively: "Total remuneration of identified staff": PLN 17.6 million; "Of which: variable remuneration ": PLN 7.5 million. * Investment and corporate banking Annex No. 1 to Resolution No. 310/2025 of the Management Board of Alior Bank SA Table 1: Representation of staff of different genders per quartile of remuneration level Representation of male and female staff in each quartile of remuneration level All male staff in percent of all staff All male staff in percent of all staff All male identified staff in percent based on all identified staff All female identified staff in percent based on all identified staff Quartile 1 (low) 27.48% 72.52% x x Quartile 2 (low to medium) 28.41% 71.59% x x Quartile 3 (medium to high) 39.87% 60.13% x x Quartile 4 (high) 61.06% 38.94% x x Total staff/identified staff 39.21% 60.79% 72.88% 27.12% Table 2: Gender pay pap based on the total gross remuneration (calculated according to the formula: Gender pay gap in percentage = (average salary of men - average salary of women)*100/average salary of men) Total gross annual remuneration level Gender pay gap of all staff, based on median Gender pay gap of all staff, based on mean Gender pay gap of identified staff, based on median Gender pay gap of identified staff, based on mean Quartile 1 (low) -0.25% -0.33% x x Quartile 2 (low to medium) 1.50% 0.93% x x Quartile 3 (medium to high) 1.11% 1.20% x x Quartile 4 (high) 5.56% 9.80% x x Total staff/identified staff 26.43% 26.39% 19.53% 33.34% This report has been supplemented in relation to the report as at 31 December 2024 with the value of variable remuneration for 2024 - due and paid. 13 Management Board's statement Annex No. 1 to Resolution No. 310/2025 of the Management Board of Alior Bank SA The Management Board of Alior Bank SA hereby declares that the arrangements described in the Report are adequate to the facts, and the risk management systems used are appropriate from the point of view of the risk profile and strategy of the Alior Bank SA Group. 14

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