Presentation of results for 1H'23

Warsaw, August 2, 2023

Agenda

1. Operating activities

  1. Credit risk
  2. Financial results

4. Other issues

2

Operating activities

Record-breaking financial results in 2Q'23 are an optimistic indicator for the future

In the first half of 2023 revenues amounted to PLN bn 2.715

  • net interest income PLN bn 2.264 (+23% y/y)
  • net fees and commissions PLN mn 425 (+3% y/y)

In 2Q'23 revenues amounted to PLN bn 1.385

  • net interest income PLN bn 1.161 (+19% y/y)
  • net fees and commissions PLN mn 216 (-2% y/y)

Net profit for the first half of 2023 amounted to PLN mn 872 and increased by PLN mn 486 compared to the first half of 2022.

Net profit in 2Q'23 amounted to PLN mn 506 mln PLN and increased by PLN mn 290 in comparison to 2Q'22.

4

* Detailed on slide 36

Total revenues (PLN mn)

+433 mn (+19%)

+185 mn (+15%)

2 726

1 322

1 341

1 385

11

1 292

1 200

11

525

2 293

2 715

1 330

+422 mn

767

IH 22

IH 23

2Q 22

3Q 22

4Q 22

1Q 23

2Q 23

One-offs*

Total income (PLN M)

Net profit (PLN mn)

+310 mn

+132 mn

(+35%)

(+54%)

881

506

431

9

375

369

375

571

8

9

158

185

494

872

+486 mn

+290 mn

360

366

y/y

385

216

IH 22

IH 23

-63

2Q 22

3Q 22

4Q 22

1Q 23

2Q 23

One-offs*

Net Income

Another successful quarter for Alior Bank - improvement of efficiency, profitability, and quality of portfolio

Assets (PLN bn)

-0.8%

84,2

83,5

Gross Loans (PLN bn)

-0.8%

63,2

62,7

Gross Performing Loans* (PLN bn)

+0.5%

56,7

56,4

2Q 22

2Q 23

2Q 22

2Q 23

2Q 22

2Q 23

C/I 2Q'23ROE 2Q'23COR 2Q'23

35.3%

27.8%

0.95%

-13.9 p.p. y/y

+11.9 p.p. y/y

-0.51 p.p. y/y

NPL 2Q'23

NIM 2Q'23

TCR 2Q'23

9.45%

6.05%

15.11%

-1.25 p.p. y/y

+0.93 p.p. y/y

+1.12 p.p. y/y

5

* Volume of gross loans classified to stages 1 and 2

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Disclaimer

Alior Bank SA published this content on 01 August 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 01 August 2023 22:41:05 UTC.