BNP Paribas Bank Polska Spolka Akcyjna · GPW:BNP
BNP Paribas Bank Polska Spolka Akcyjna — BNP Paribas Bank Polska — Q3 2026 Earnings Presentation
48 slides from BNP Paribas Bank Polska Spolka Akcyjna's earnings presentation, Nov 5, 2026
Slide 1: Presentation of Q3 2026 Results
5 NOVEMBER 2026 PRESENTATION OF Q3 2026 RESULTS BNP PARIBAS BANK POLSKA SA GROUP
Slide 2: Agenda
Agenda 01 Key highlights 02 Macroeconomic environment 03 Financial results 04 Summary & Outlook 05 Business activities 06 Appendices
Slide 3: Key highlights
01 Key highlights
Slide 4: Results of the BNP Paribas Bank Polska Group in Q3 2026
Results of the BNP Paribas Bank Polska Group in Q3 2026 Acceleration of growth in key strategic areas: business volumes and the number of Customers. Increase in NBI and net profit F I N A N C I A L R E S U LTS BUSINESS ACTIVITY ST R AT E G Y & T R A N S F O R M AT I O N • Growth of NBI due to net in
Slide 5: Accelerate 2030 strategy
Accelerate 2030 strategy Strategy operationalization in 9M 2026 Retail and Business Banking Corporate Banking2 Another quarter of growth in current account Corporate Banking & CIB: the quarterly Business sales with an annual growth rate of 14%, growth rate of the loan portfolio to 4.0% q/q 9M 2026 2
Slide 6: Customer business activity – sales & transactional volumes
Customer business activity – sales & transactional volumes Growth in sales of current accounts and consumer loans. Higher transactionality of Customers in the SME and Corporate Banking Retail Banking q/q y/y Corporate & SME Banking q/q y/y CORP. CURRENT ACCOUNTS 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 +8% +14
Slide 7: Loan and deposit volumes
Loan and deposit volumes Acceleration of growth in Institutional Customer loan volumes. Significant increase in deposits across all Customer segments. Continued growth in the acquisition and number of Individual and Institutional Customers Gross loans [PLN million] Customer deposits* [PLN million] N
Slide 8: Quarterly financial results
Quarterly financial results Improvement in net profit due to growth in NBI, stable operating expenses and decrease in cost of risk Net banking income [PLN million] Operating expenses [PLN million] Financial results (1,060) +3.0% q/q +0.9% q/q (800) (806) (239) BGF (828) (836) 2,018 2,025 2,086 • Vis
Slide 9: Key financial ratios
Key financial ratios Quarterly improvement of ROTE and C/I ratios driven by higher core revenues, cost control and low cost of credit risk. Improved net interest margin Cost / Income [%] Net interest margin on assets [%] Financial ratios 54.0% 3.28% 3.28% 3.40% • Improvement of the quarterly C/I rat
Slide 10: Macroeconomic environment
02 Macroeconomic environment
Slide 11: GDP, economic situation and inflation
GDP, economic situation and inflation Economy growing at solid pace; Inflation above the upper limit of the NBP target Macroenvironment Robust economic growth continues, but high energy prices are an increasingly worrying risk Industrial production (% y/y) Construction output (% y/y) Brent Oil USD/b
Slide 12: Monetary policy, exchange rate and the banking sector
Monetary policy, exchange rate and the banking sector The Monetary Policy Council still in a ”wait-and-see” mode; credit demand remains strong Weaker zloty fundamentals Macroenvironment -40 4.90 -13 4.80 CA & private financial flows (EUR bn, Real NBP policy rate (%, inverted) 12-monts sum, inverted
Slide 13: Financial results
03 Financial results
Slide 14: Key financial data – Q3 2026
Key financial data – Q3 2026 Improvement of core revenues due to the acceleration of loan volume growth and enhancement of NIM. Increased net profit supported by stable cost level and lower cost of credit and legal risk Financial results Volumes PLN billion 30.09.2026 change q/q change y/y PLN milli
Slide 15: Loan portfolio
Loan portfolio 53% Significant increase in large Institutional Customers loans. Reversal of the negative trend in the SME subsegment. Continued growth of consumer and mortgage loan portfolios share in total assets Gross Customer loans [PLN million] Changes in the loan portfolio including the portfol
Slide 16: CHF mortgage loan portfolio
CHF mortgage loan portfolio Continued positive trends in the decline of the number of new claims and an increase in the number of settlements. Low quarterly impact of legal risk Gross CHF mortgage loans [PLN million] Number of settlements concluded with borrowers Share of CHF housing loans in the Ba
Slide 17: Customer deposits
Customer deposits 77% Increase in deposits in both segments while maintaining deposit margins and improving the structure of deposit base share in total liabilities and equity Customer deposits [PLN million] Changes in the volume and structure of deposits 140,888 140,716 128,052 136,579 136,557 +3.0
Slide 18: Investment products
Investment products Further growth in the value of investment products despite a decline in sales in the investment funds’ market in September Investment products [PLN million] Increase in the value of investment funds and Customers’ assets on brokerage accounts and DPM +6.1% q/q • Further increase
Slide 19: Net interest income
Net interest income 75% Increase in net interest income and NIM due to growth of loan portfolio, maintaining deposit margins, and improvement in the profitability of securities portfolios share in NBI Net interest income [PLN million] Net interest income and expenses [PLN million] +1.0% y/y +7.1% y/
Slide 20: Net fee and commission income
Net fee and commission income 15% Increase of fees on a y/y basis. Normalization of the quarterly result from Q2 2026 which was supported by commissions from large transactions in the CIB area share in NBI Net fee and commission income [PLN million] Fee and commission income and expenses [PLN millio
Slide 21: Net trading income
Net trading income 10% Similar net trading income on a quarterly basis. Higher Customer result offset by lower valuation of infrastructure companies and equity instruments share in NBI Net trading income [PLN million] Margin on FX and derivative transactions with Customers [PLN million] included in
Slide 22: Operating expenses, depreciation and amortization
Operating expenses, depreciation and amortization Similar quarterly level of operating expenses. Y/Y increase reflecting the normalization of the cost base in the area of settlements with the BNPP Group Operating expenses [PLN million] Changes in operating expenses +6.3% y/y +4.5% y/y +0.9% q/q • Gr
Slide 23: Net allowances on expected credit losses
Net allowances on expected credit losses Cost of risk confirming high quality and resilience of the loan portfolio Cost of risk by segment [PLN million] Net allowances on expected credit losses in Q3 2026 amounted to PLN -54 million, translating into cost of risk at the level of 22 bps +86.5% y/y -4
Slide 24: Loan portfolio quality
Loan portfolio quality Low NPL share in the loan portfolio Total loans – share of NPLs* in the portfolio measured Loans to Individual Customers – share of NPLs* at amortised cost NPL ratio for both loan portfolios in total (measured at fair value and at amortized cost) was 2.6% at the end of Q3 2026
Slide 25: Loan portfolio quality
Loan portfolio quality Stable loan portfolio quality, adequate provision coverage ratios Decrease in the coverage od Stage 2 Share of each Stage in the gross loan portfolio* Provision coverage for the gross loan portfolio due to the entry into Stage 2 of new – Stages 1 & 2 and POCI performing loans
Slide 26: Capital adequacy
Capital adequacy Solid capital position supporting further growth of the lending activity. Decrease in RWA due to a securitization transaction 17.51% 16.86% 16.79% 18.02% 18.10% TCR and Tier 1 above the minimum regulatory requirement TCR 12.75% Total own funds as at the end of Q3 2026: +5.3 pp and +
Slide 27: Summary & Outlook
» \' 04 Summary & Outlook
Slide 28: Medium-term outlook
Medium-term outlook Operationalization and implementation of the defined strategic priorities of the Bank while addressing sector-wide challenges. Robust economic outlook despite potential impact of geopolitical risk • The geopolitical situation resulting in high volatility on the financial and raw
Slide 29: Business activities
05 Business activities
Slide 30: Retail and Business Banking
Retail and Business Banking Sales growth of current accounts and cash loans. Ongoing development of the electronic 2.9 million +136+82 thous. Retail & Business thous. +5.0% y/y +3.0% q/q banking functionalities Customers* Business development New product offer Acquisition of Individual Customers Sal
Slide 31: Retail and Business Banking
Retail and Business Banking Segment's share in the Group's Slightly lower gross profit related to a decline in net interest income and higher cost of credit risk, net banking income 48% partially offset by a lower impact of legal risk related to CHF Gross profit/loss structure [PLN million] Net loan
Slide 32: Corporate Banking, SME & CIB customers
Corporate Banking, SME & Corporate and Institutional Banking (CIB) 12.8 thous. Corporate Customers 21.7 thous. SME Customers Focus on addressing Customers’ needs and service quality + 0.3 thous., +2.7% y/y - 0.2 thous., -0.8% y/y - 0.2… + 0.1 thous., +1.2% q/q + 0.1 thous., +0.3% q/q Business develo
Slide 33: Corporate Banking, SME & CIB
Corporate Banking, SME & CIB Segments’ share in the Group's 42% net banking income Lower gross profit mainly due to a decline in net trading income in the CIB area, pressure on interest margins and higher operating expenses Gross profit/loss structure [PLN million] Net loan portfolio* [PLN million]
Slide 34: Sustainability and Agribusiness Area
Sustainability and Agribusiness Area Food & Agri Products and services driving the transition to sustainability 74.5 74.5…thous. thous. Customers Business development Sales and customer relations activities Food & Agri volumes 30.09.2026 Corporate Retail 34% Retail Corporate • Leader in BGK Guarante
Slide 35: Bank subsidiaries
Bank subsidiaries Continuation of inflows to equity and short-term duration subfunds in Q3 2026. Lease assets slightly lower BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A. Assets under management of BNPP TFI [PLN million] 11,267 11,650 10,318 10,588 • The value of assets under management (AuM)
Slide 36: Appendices
06 Shares of BNP Paribas Bank Polska S.A. #GOdigital – statistics Appendices Material events 2024-2026 Loan portfolio Deposit base structure Liquidity Net banking income Profit and Loss Account Assets, Liabilities and Equity
Slide 37: Shares of BNP Paribas Bank Polska S.A.
Fitch rating (update on 19 October 2026) Shares of BNP Paribas Bank Polska S.A. Long-Term Issuer Default Rating (LT IDR) – A+ with a Negative Outlook Significant increases in banks’ share prices on the WSE in Q3 2026 Short-Term Issuer Default Rating (ST IDR) – F1+ Viability Rating (VR) – bbb Shareho
Slide 38: #GOdigital – statistics
#GOdigital – statistics Continuation of the trend of increasing the number of e-banking and mobile banking users Customers using digital channels [thous.] Number of tokens in digital wallets [thous.] +3% q/q +5% q/q 1,750 1,795 674 656 675 698 734 1,674 1,704 1,724 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 +7%
Slide 39: Material events
Material events in individual reporting periods 1st quarter 2nd quarter 3rd quarter 4th quarter • PLN -108.2 m - CHF mortgage loan • PLN -41.4 m - CHF mortgage loan portfolio • PLN -52.6 m - CHF mortgage loan portfolio legal risk impact legal risk impact portfolio legal risk impact 2026 • PLN -238.9
Slide 40: Loan portfolio
Loan portfolio Structure of loans in the Individual and Institutional Customer segments Individual Customer loans [PLN million] Institutional Customer loans** [PLN million] +6.7% y/y +1.9% q/q +10.8% y/y 3.0% q/q 63,831 60,794 61,945 57,611 59,131 358 406 218 185 35,427 36,092 170 6,173 33,831 34,42
Slide 41: Deposit base structure
Deposit base structure Term structure of deposits and by Customer segment Deposit term structure [PLN million] Deposit structure by Customer type [PLN million] 69.5% 64.7% 68.0% 69.5% 69.2% net loans / deposits +9.9% y/y +3.0% q/q +9.9% y/y +3.0% q/q 140,888 136,579 136,557 140,716 140,888 136,557 1
Slide 42: Liquidity
Liquidity Stable and diversified deposit base, high level of liquid assets Customer deposits [PLN million] Customer deposit structure [%] 140,888 136,579 136,557 140,716 128,052 30.09.26 68.4% 30.5% 1.1% Share 30.06.26 69.0% 30.0% in total liabilities 76.0% 78.0% 77.0% 75.5% 76.8% +3.0% q/q 1.0% Cur
Slide 43: Net banking income
Net banking income Lack of comparable one-offs in the trading income on a cumulative basis. Improvement of interest and commission income on a quarterly basis [P LN millio n] 9M 20 26 9M 20 25 c hang e Net inter est income 4,471 4,424 1.0% • Y/Y increase in net interest income was due to optimizatio
Slide 44: Consolidated P&L
Consolidated P&L PLN thous. Profit and loss account 30.09.2026 30.09.2025 Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 Inter est income 6 ,946 ,229 7,45 6 ,138 2,40 3,322 2,26 2,6 94 2,28 0 ,213 2,416 ,776 2,45 0 ,195 Inter est expenses (2,475 ,5 27) (3,0 31,8 78 ) (8 43,0 41) (798 ,0 8 7) (8 34,399) (94
Slide 45: Assets
Assets PLN thous. Consolidated statements of financial position 30.09.2026 30.06.2026 31.03.2026 31.12.2025 30.09.2025 ASSETS Cash and balances with the Centr al Bank 7,800,123 9,558,086 10,372,394 10,224,866 6,916,304 Amounts due fr om banks 8,403,584 6,554,410 5,347,040 11,616,566 5,946,747 Der iv
Slide 46: Liabilities and equity
Liabilities and equity PLN thous. Consolidated statements of financial position 30.09.2026 30.06.2026 31.03.2026 31.12.2025 30.09.2025 LIABILITIES Amounts due to the Centr al Bank - - - - - Amounts due to other banks 10,857,843 10,044,641 10,189,219 10,145,231 10,680,231 Adjustment of fair value of
Slide 47: Disclaimer
Disclaimer • This presentation constitutes neither a sales offer nor an invitation to submit an offer to purchase or buy securities or financial instruments issued by BNP Paribas Bank Polska S.A. (“Bank”), nor any advice or recommendation with respect to the securities or other financial instruments
Slide 48: Contact
CONTACT Investor Relations and ESG Reporting Bureau 2 Kasprzaka Street, 01-211 Warsaw [email protected] www.bnpparibas.pl/en/investor-relations BNP Paribas Bank Polska Spółka Akcyjna, with its registered office in Warsaw at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of
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