Powszechny Zaklad Ubezpiecze? Spólka Akcyjna : Factsheet - PZU Group financial results

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PZU Group | Factsheet 2025 ‌#1 PLN 535 bn 39 thou. 22 mln 99% STRONG‌ largestinsurance and banking group in CEE assets employees clients most recognizable brand in Poland BALANCE SHEET Solvency II >200% PZU Group is the largest financial conglomerate in Poland and in Central and Eastern Europe. The Group is headed by PZU, which has the status of the leading entity in the conglomerate. PZU's traditions date back to 1803. PZU's shares are listed on the Warsaw Stock Exchange (WSE) and are part of the WIG20 index. PZU is one of the most highly valued companies and one of the most heavily traded stocks on the Polish stock exchange. At the end of 2025, PZU's market capitalization amounted to PLN 57.6 bn. The State Treasury, with a 34.19% equity stake, is PZU's main shareholder. The Group's companies offer not only life, non-life and health insurance but also banking, investment, pension and health care products. They also provide assistance services to retail clients and businesses through strategic partnerships. The Group's operations are founded on clients' trust. The Group places the client at the center of its attention and integrates all areas of activity around the client. This approach enables the Group to offer increasingly personalized, flexible and comprehensive products and services tailored to clients' needs at every stage of their private and professional life, and at the right place and time. The PZU Group is committed to developing a responsible organization, strongly emphasizing ESG (environmental, social and governance) factors in its strategy. The priority for the PZU Group is to generate benefits for its shareholders and clients in a sustainable and responsible manner. The success of the PZU Group will be built on contemporary business models widely incorporating ESG criteria. The Group supports the development of a low - carbon economy, is committed to a just energy transition, encourages communities to adopt sustainable and safe lifestyles and builds a modern, responsibly managed organization. PZU - parent company operating in non-life insurance (listed on the Warsaw Stock Exchange) ‌SIMPLIFIED PRESENTATION OF THE BUSINESS MODEL MARKET POSITION #3 #1 #1 #6 #11 #4 #1 INSURANCE main business activity 100% of shares in PZU Życie 100% of shares in TUWPZUW 100% of shares in LINK4 90-100% of shares in foreign companies HEALTH 100% of shares in PZU Zdrowie (including 20% of shares through PZU Życie) X insurance revenue insurance service expenses net financial revenue #2 #8 TFI PZU #2 OFE PZU #3 Pekao TFI #4 #3 reinvestment INVESTMENTS 100% of shares in TFI PZU X + Y net result attributable to equity holders of the parent company capital non-life insurance life insurance market position in terms of assets in management market position in terms of assets market position in terms of revenue from medical activities and development dywidend MARKET SHARE in Poland (Q3 2025) Non-life insurance Y Others 6.2% 4.4% Allianz4.7% PZU, TUW PZUW, LINK4 30.1% QA7.9% 10.5% Ergo 15.4% Talanx 20.8% Generali Life insurance - periodic premium Others 12.0% Generali 4.4% BANKS 32% of shares in Alior Bank 20% of shares in Bank Pekao 32% of the net result of Alior Bank 20% of the net result of Bank Peako UNI VIG UNIQA4.8% VIG 5.2% Talanx 8.3% Nationale Nederlanden 10.2% Allianz14.2% PZU Group 41.0% B) BANKS: ALIOR BANK AND BANK PEKAO A) PZU GROUP NET OF ALIOR BANK AND BANK PEKAO ‌PZU GROUP RESULTS ACCORDING TO IFRS 17 PLN million Q4 2024 Q4 2025 Gross insurance revenue 7,587 7,753 Net insurance revenue 7,084 7,229 Insurance service expenses (net) 5,862 6,088 Insurance service result 1,222 1,141 Net financial revenue 349 187 Net profit attributable to equity holders of the parent company 1,138 886 Net profit attributable to equity holders of the parent company 543 588 (A+B) NET PROFIT ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT COMPANY 1,681 1,474 Record results with a secure capital position Percentage share of business segments in the operating result ‌(adjusted for PZU's shares at the end of 2025) ‌Dynamic growth of results in 2025 Dynamic income growth in 2025 Financial strength rating and credit rating awarded to PZU by S&P 62.1% INSURANCE 5.3% INSURANCE Baltic Countries 32.1% BANKING 0.6% INSURANCE Poland Ukraine PZU'S STOCK (2025) Number of shares 863,523,000 P/E 8.6x Turnover value PLN 26.0 bn Free float (%) 65.8% P/BV 1.6x Average price per session PLN 58.62 Market capitalization PLN 57.6 bn D/Y 9.8% 6 Average trading volume 478,499,830 shares 10 8 18 Neutral, Hold Shareholder structure (2025) Recommendations statistics (2025) International 37.7% +3.5 p.p. State Treasury 34.2% 0.0 p.p. Poland 62.3% -3.5 p.p. Institutional investors 20.0% - 3.5 p.p. change 2025/2024 Individual investors 8.1% 0.0 p.p. 22 Underperform, Reduce Neutral, Hold Buy, Outperform 6 15 1 0 ‌Total Shareholders Return (TSR) compared to the WIG index PZU's earnings per share and dividend per share STRATEGY EXECUTION- FINANCIAL MEASURES SUSTAINABLE DEVELOPMENT CONTACT FOR INVESTORS:: Magdalena Komaracka, CFA, IR Director +48 22 582 22 93 [email protected] Piotr Wiśniewski, IR Manager +48 22 582 26 23 [email protected] PZU SA rondo Ignacego Daszyńskiego 4 00-843 Warszawa [email protected] https://www.pzu.pl/ri

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