Alior Bank S A : 2022 Results Presentation

Presentation of results for 2022

Warsaw, March 3, 2023

Agenda

1. Operating activities

1. Credit risk
2. Financial results

4. Other issues

2

Operating activities

Very good financial results achieved in 2022 allow us to be optimistic about the future

Total revenues (PLN)

In 2022, revenues amounted to PLN 4.382 bn

• interest income PLN 3.560 bn (+27% y/y)
• fees and commissions income PLN 796 mn (+4% y/y)

In 4Q 22, revenues amounted to PLN 1.322 bn

• interest income PLN 1.139 bn (+50% y/y)
• fees and commissions income PLN 183 mn (-15% y/y)

Alior Bank's net profit amounted to PLN 683 mn in 2022 and increased by PLN 201 mn compared to the result for 2021.

The reported net profit in 4Q 22 amounted to PLN 360 mn - a new historical record.

Adjusted for one-offs*, the net profit in 4Q 22 amounted to PLN 369 mn, and in the entire 2022 to PLN 1.371 bn.

4

* Detailed on slide 36

				+1 269 mn																				+387 mn
					4 907																										1 292	1 322
																								1 200
						525												1 093
3 637																								525
													935
					4 382		+744 mn
																										767
													4Q 21	1Q 22			2Q 22	3Q 22		4Q 22
2021	2022
									One-offs			Total income
													Net profit (PLN)
			+864 mn																					+244 mn
					1 371																										431
																																					369
							688																					375
507																												8
																	196					158
																							494
		25											125
															27													360	+260 mn y/y
							683		+201 mn
	482					25				169					216
								100
2021	2022																											-63
				4Q 21		1Q 22			2Q 22	3Q 22	4Q 22
																	One-offs					Net Income

A successful quarter for Alior Bank - noticeable improvement in efficiency, profitability and portfolio quality

Assets (PLN bn)

-0,2%

83,0

82,9

Gross Loans (PLN bn)

-2,4%

63,6

62,1

Gross Performing Loans* (PLN bn)

-0,2%

56,1

56,0

4Q 21

4Q 22

4Q 21

4Q 22

4Q 21

4Q 22

C/I 4Q 22ROE 4Q 22NIM 4Q 22COR 4Q 22TCR 4Q 22

	34.5%	24.6%	5.92%	1.57%		14.19%
	-7.6 p.p. y/y		+18.3 p.p. y/y		+1.91 p.p. y/y		+0.03 p.p. y/y	+0.03 p.p. y/y
	C/I 2022		ROE 2022		NIM 2022		COR 2022		NPL 4Q 22
	45.6%	11.3%	4.64%	1.51%		9.80%
	+2.1 p.p. y/y		+3.6 p.p. y/y		+0.9 p.p. y/y		-0.09 p.p. y/y	-1.97 p.p. y/y
	5	* Volume of gross loans classified to stages 1 and 2