Alior Bank S A : Financial Reporting Document

Alior Bank S.A.

Presentation of results for H1 2021

Warsaw, 4 August 2021

Agenda

1. Key issues

2. Operating activities

3. Credit risk

4. Financial results

5. Appendices

2

Key issues

Once again Alior Bank managed to achieve very good financial results

In H1 2021, the Alior Bank Group generated PLN 232 million net profit

PLN 124 million net profit in Q2 2021

• ROE for Q2 2021 was 7.6%
• C/I for Q2 2021 was 42.5%
• Cost of financing (CoF) decreased from 0.72% in Q2 2020 to 0.17% in Q2 2021

Secure capital position of the Bank

TIER1 ratio at 12.99% and TCR at 14.95%.

Large surplus above regulatory minimums:

• for TIER1 449 bps. (PLN 2,167 mln)
• for TCR 445 bps. (PLN 2,150 mln)

Significant improvement in the level of the cost of risk (CoR)

In Q2 2021, the cost of risk amounted to PLN 265 million, and the CoR remained low at 1.71%.

Very good lease sale

Q2 2021 saw the lease sales amounting to PLN

808 million which means an increase of 94% y/y and 12% Q/Q.

4

Superb sale of housing loans

Q2 2021 saw the sale of housing loans amounting to PLN 901 million, which means an increase of 21% Q/Q and 35% y/y. Q2 2021 saw the Bank achieving market share in new sales at 4.1%.

Corporate loans - increase in value Despite the difficult market environment, Q2 2021 saw an increase in the balance of gross loans to corporations.

Record-breaking value of assets managed by Alior TFI

Q2 2021 saw net sales amounting to PLN 177 million, and total assets managed by the funds increased by 141% y/y and reached PLN 1.53 billion.

Thanks to an increase in operational efficiency, the Bank effectively improves its results

Despite the unfavourable external environment,	A stable growth of the loan portfolio, combined with an increase in operational efficiency,
the Bank improves its financial results	serves as the basis for further improvement of the Group's results in subsequent periods

+709 million y/y

	120	108	124	assets
82

deposits2

Net Income (PLN M)

-585				gross loans
IIQ 20	IIIQ 20	IVQ 20	IQ 21	IIQ 21

Market		Market		Market
share	consumer	share		share
17.8%	11.8%	cash loans3	2.8%
finance

79.0 billion

+1.8% y/y

67.8 billion

+3.0% y/y

62.6 billion

+1.4% y/y

housing loans4

online		671K
customers1		+23% y/y
business		245K
customers		+6.5% y/y
			4.14
retail
	million
customers
			-2.0% y/y
Market
share5	corporate
3.0%
		loans 6

3.8 billion

+23.2% y/y

5	1	Users of Alior Bank mobile applications
2	Liabilities to non-financial Customers
	3	Individual Customer - consumer loans

18.8 billion	14.4 billion
-6.0% y/y	+18.9% y/y

1. Individual Customer - residential real estate loans
2. Market share of SMEs and Large-sized Enterprises
3. Total for Micro, SME and Large segments

25.6 billion

-3.4% y/y