Alior Bank S A : Q3 2023 Results Presentation

About this update from Alior Bank Sa

Presentation of results for 3Q'23 Warsaw, October 26, 2023 Agenda 1. Operating activities Credit risk Financial results 4. Other issues 2 Operating activities Another record-breaking quarterly result for Alior Bank In 1-3Q'23 revenues amounted to PLN bn 4.164 net interest income PLN bn 3.483 (+44% y/y) net fees and commissions PLN mn 597 (-3% y/y) In 2Q'23 revenues amounted to PLN bn 1.45 net interest income PLN bn 1.219 (+108% y/y) net fees and commissions PLN mn 172 (-15% y/y) Total revenues (PLN mn) +591 mn (+16%) +158 mn (+12%) 4 175 1 322 1 341 1 385 1 450 11 1 292 3 584 11 525 525 4 164 1 330 +683 mn y/y 3 059 +1,105 bn 767 1-3Q 22 1-3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 One-offs* Total income (PLN M) Alior Bank's net profit for 1-3Q'23 amounted to PLN bn 1.443 and increased by PLN bn 1.121 compared to the 1-3Q'22 result. Net profit in 3Q'23 amounted to PLN mn 572 and increased by PLN mn 634 in comparison to 3Q'22. 4 * Detailed on slide 37 Net profit (PLN mn) +450 mn (+45%) +140 mn (+33%) 1 452 572 9 1 002 431 369 375 506 9 8 1 443 679 +1 121 mn +634 mn 494 y/y 360 366 323 -63 1-3Q 22 1-3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 One-offs* Net Income Record-breaking quarter for Alior Bank - improved efficiency, profitability, and portfolio quality Assets (PLN bn) +3% 86,3 84,1 Gross Loans (PLN bn) +1% 63,7 64,4 Gross Performing Loans* (PLN bn) +3% 58,3 56,6 3Q 22 3Q 23 3Q 22 3Q 23 3Q 22 3Q 23 C/I 3Q'23 ROE 3Q'23 COR 3Q'23 33.4% 27.9% 0.96% -26.2 p.p. y/y +32.5 p.p. y/y -0.68 p.p. y/y NPL 3Q'23 NIM 3Q'23 TCR 3Q'23 9.39% 6.16% 16.68% -1.59 p.p. y/y +3.08 p.p. y/y +2.98 p.p. y/y 5 * Volume of gross loans classified to stages 1 and 2 Good quarter for the Retail Customer segment RETAIL CUSTOMERS Alior Bank provided all clients with access to Alior Pay. Due to this innovative solution Alior Bank's retail customer account holders may benefit from the option to defer transactions made on their account through the mobile app. Since July 3 Alior Bank gave clients the opportunity to take advantage of the 2% Safe Mortgage product from the government's First Home Program. The program is aimed at young people planning to purchase their first real estate property. Since July 25 Alior Bank offers the Home Savings Account. This is another element of the government's First Home Program. LOAN SALES MORTGAGE LOAN SALES CONSUMER FINANCE SALES MOBILE USERS 1.5 PLN BN 1.0 PLN BN 1.4 PLN BN 1.04 MN SPRZEDAŻ POŻYCZKI (+14% y/y) (+125% y/y) (+21% y/y) (+18% y/y) 6 Growth of the Bank's key products - mortgage loans* RETAIL CUSTOMERS Sale of mortgage loans (PLN bn) +125% +65% 0,99 0,60 0,44 0,38 0,39 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Number of Customers with a mortgage loan (k) +2% 75,3 75,0 74,7 75,1 76,5 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 We have achieved the highest volume of mortgage loans sales in our history. In September monthly sales exceeded PLN mn 500 for the first time 6.4% Market share of new sales in 3Q'23 7.4% Market share of new sales in September 2023 Gross mortgage loan portfolio (PLN bn) Market +7% share 3.4% 17,0 (portfolio) 15,9 16,0 16,1 16,2 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 7 * Retail Customer - residential mortgage loans Alior remains a significant market participant for products associated with the First Home Program RETAIL CUSTOMERS 2% Safe Mortgage Alior Bank, since the first day of the First Home Program, maintains high levels of interest in the offer and increases new sales volumes. BK2% APPLICATIONS VOLUME OF POSITIVE SHARE OF BK2% IN SERVICED BK2% DECISIONS AGREEMENTS SIGNED* >18k >1.2bn 12% 6% 31/08 05/10 8 * share of signed agreements according to data as of 5/10/2023; source: ZBP Growth of the Bank's key products - cash loans* Sales of loans (PLN bn) +14% -12% 1,60 1,69 1,32 1,49 1,30 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 We continue with our strategy for growth and increasing the share of remote sales by providing an attractive offer and cooperation with partners. 53% Share of remote sales** RETAIL CUSTOMERS Number of Customers with a loan (k) -2% 397 392 390 392 391 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Gross consumer loan portfolio (PLN bn) -6% 17,7 16,9 16,7 16,6 16,7 Market share 10.8% (portfolio) 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 9 * Retail Customer - consumer loans 3Q'23 Growth of the Bank's key products - Consumer Finance (CF) loans RETAIL CUSTOMERS Sales of CF loans (PLN bn) Number of CF Customers (k) +21% +2% +21% 1,42 1 349 1 367 1 282 1 318 1 372 1,17 1,18 1,17 0,73 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Gross loan portfolio (PLN bn) Very good sales in 3Q'23. An increase of 21% compared to the +2% previous year and a 21% increase quarter to quarter. Alongside 4,3 4,3 4,4 our Partners we carried out many initiatives through online 4,0 4,1 Market share channels and promotional campaigns in brick-and-mortar stores as well as in e-commerce 18% (portfolio) In the online loan application process, we added an additional opportunity to authenticate identity through bank accounts based on the AIS PSD2 service. Our clients quickly appreciated the new loan process for its speed, reliability, and simplicity, documented by an NPS of 87% in 3Q'23. 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 10

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