Presentation of results for 3Q'23

Warsaw, October 26, 2023

Agenda

1. Operating activities

  1. Credit risk
  2. 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'23ROE 3Q'23COR 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

Attachments

Disclaimer

Alior Bank SA published this content on 25 October 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 25 October 2023 22:52:40 UTC.