Alior Bank S.A.

Report Publication Announcement • Mar 24, 2025

Adoption of Alior Bank S.A. Group's Strategy for 2025-2027TheManagement Board of Alior Bank S.A. ("Alior Bank", "Bank") herebyinforms that on March 24, 2025, the Management Board of the Bankadopted, and the Supervisory Board of the Bank approved, Alior BankGroup's Strategy for the years 2025 - 2027 "Alior Bank. Or nothing"("Strategy").

Alior Bank's strategic objectives:

- Leveraging the growth competency and leadership position in ConsumerFinance to increase the scale of relationship banking;

- Growth of the base of active retail and business customers;

- Revenue growth despite an expected decline in interest rates;

- Maintaining the C/I ratio despite cost inflation and reinstatement ofBFG contributions;

- NPL ratio of <4.9% allowing for safe business growth;

- Leveraging the PZU Group's potential to strengthen relations withcustomers;

- Delivering stable financial results and dividends to shareholders.

The directions of strategic activities are reflected in 3 pillars:

I. Scaling Up:

1. A formula for growth in a new edition - entry into new sectors withan installment offer and strengthening our position in e-commerce, acompetitive offer for basic products, refreshing the brand.

2. A new, intuitive mobile app that is the center of customer relations.

3. A new paradigm of digital banking for businesses - modern digitalbanking built into the customer's systems.

II. High Resilience:

1. A modern CRM that enables us to take advantage of our position ininstallment products to build long-term relationships with customers.

2. An attractive offer of leading solutions for Micro and SMEs - CRMtools for the Business Customer segment and the development of aspecialized offer (ESG-linked loans, leasing, factoring).

3. Development of cooperation with PZU, e.g., a stand-alone insuranceoffer.

III. Operational Excellence:

1. Rebuilding the operating model to support business goals.

2. The best place to work through engaging the team in Agiletransformation, growth, and sustainability.

3. Modern solutions and simple processes with a high level of stability,automation, and (cyber)security.

4. Automation of risk processes and optimization of liquidity andcapital policy.

5. ESG: new initiatives to strengthen Alior Bank's positive impact onthe environment.

Alior Bank's main objectives at the end of 2027:

- revenue - approx. PLN 7 billion

- net profit - approx. PLN 2.6 billion

- ROE - above 18%

- C/I - approx. 35%

- dividend (% of net profit) - over 50%

- NPL level (non-performing loans) - below 4.9%

- No. 1 - maintaining the leading position on the installment loansmarket

- increase in revenues in the Retail Customer segment - by over 14%

- increase in revenues in the Business Customer segment - by over 21%

- maintaining the employee engagement index of >60%

Detailed assumptions and objectives of the Strategy are included in thepresentation attached to this current report.

At the same time, the Bank informs that the objectives and assumptionsof the Strategy do not constitute a forecast or estimate of results(including financial results) and refer only to the intended directionsof the Bank's operations in 2025-2027, which are based on the currentknowledge and forecasts of the Bank's Management Board and are burdenedwith a number of known and unknown risks, uncertainties, and factorsthat may affect the actual results, the level of the Bank's operationsor achievements.

The Bank will not publish updates, modifications or revisions ofinformation, data or statements contained in this report or the attachedpresentation and will not publish information on any change in theBank's Strategy or intentions or on the occurrence of facts or eventsthat affect the Strategy or the Bank's intentions, unless such areporting obligation results from applicable law.