Bank BPH Group Financial Report. 3 quarters

Bank BPH Group Financial Report 3 quarters

SELECTED FINANCIAL DATA 3 quarters in accruals (current year) from 01.01. to 30.09. PLN'000 3 quarters in accruals (previous year) from 01.01. to 30.09. 3 quarters in accruals (current year) from 01.01. to 30.09. EUR 000 3 quarters in accruals (previous year) from 01.01. to 30.09. I. Interest income 573 196 403 571 167 371 105 333 II. Fee and commission income 368 570 407 821 107 621 106 442 III. Net operating income 164 976 180 592 48 172 47 135 IV. Gross profit (loss) from continued operations V. Net profit (loss) from continued operations attributable to equity holders of the Company 164 081 180 047 47 911 46 992 111 344 113 903 32 512 29 729 VI. Net operating cash flow -136 642 6 041 677-39 899 1 576 885 VII. Net investment cash flow -49 629-62 587-14 491-16 335 VIII. Net financial activity cash flow 201 198-6 093 156 58 749-1 590 321 IX. Total net cash flows 14 927-114 066 4 359-29 771 X. Total assets 12 515 469 61 324 909 3 672 056 16 234 258 XI. Amounts owed to banks 427 890 5 931 192 125 544 1 570 137 XII. Amounts owed to customers 8 078 584 41 407 866 2 370 268 10 961 712 XIII. Minority interests 77 771 133 899 22 818 35 446 XIV. Shareholders' equity 1 623 914 6 845 726 476 459 1 812 237 XV. Share capital 143 581 143 581 42 127 38 010 XVI. Number of shares 28 716 230 28 716 230 28 716 230 28 716 230 XVII. Book value per share (PLN/EUR) 56.55 238.39 16.59 63.11 XVIII. Diluted book value per share (PLN/EUR) 56.55 238.39 16.59 63.11 XIX. Capital adequacy ratio 14.38 12.41 14.38 12.41 XX. Earnings (losses) from continued operations per ordinary share attributable to equity holders of the Company (PLN / EUR) XXI. Diluted earnings (losses) from continued operations per ordinary share attributable to equity holders of the Company (PLN / EUR) XXII. Dividend paid per ordinary share (PLN / EUR) 3.88 3.97 1.14 1.05 3.88 3.97 1.14 1.05 0.00 36.20 0.00 9.58 Individual positions of the consolidated financial statement of Bank BPH SA were converted into EURO according to the following principles: Selected consolidated balance positions and book value per share translated using the average EURO exchange rate in PLN announced by the Central Bank on the balance sheet day: 30.09. 3.4083; 30.09. 3.7775. Selected consolidated profit and loss account amounts and consolidated cash flow statement translated using the average rate of exchange, which is an arithmetic mean of the average rates announced by the Central Bank and at the end of each month of three quarters; 3.4247, 3.8314.

INTERIM FINANCIAL STATEMENTS OF THE BANK BPH GROUP CONSOLIDATED INCOME STATEMENT CONTINUED OPERATIONS 3 rd quarter Notes 1 July - 30 Sept. 3 quarters in accruals 1 Jan. - 30 Sept. 3 rd quarter 1 July - 30 Sept. 3 quarters in accruals 1 Jan. - 30 Sept. Interest income 201 479 573 196 137 884 403 571 Interest expenses -80 194-218 803-41 077-116 534 Net interest income 2 121 285 354 393 96 807 287 037 Impairment charge 3 1 223-15 776-5 376-22 382 Net interest income incl. impairment charges 122 508 338 617 91 431 264 655 Fee and commission income 126 869 368 570 139 658 407 821 Fee and commission expenses -31 581-87 010-53 391-133 875 Net fee and commission income 4 95 288 281 560 86 267 273 946 Net trading income and revaluation 5 23 984 65 035 17 085 41 331 Net income from investments 6 1 773 1 304 2 928 3 596 General administrative expenses 7-202 001-599 876-135 723-404 546 Result on operating income and expenses 8 10 332 78 336 4 948 1 610 Result on operating activity 51 884 164 976 66 936 180 592 Result on other income and expenses -398-895 528-545 Gross profit (loss) from continued operations 51 486 164 081 67 464 180 047 Income tax expense -10 876-36 190-5 875-33 076 Net profit (loss) from continued operations 40 610 127 891 61 589 146 971 DISCONTINUED OPERATIONS 9 Gross profit (loss) from discontinued operations 0 0 478 830 1 469 951 Income tax expense 0 0-84 414-280 334 Net profit (loss) from discontinued operations 0 0 394 416 1 189 617 Net profit (loss) from continued and discontinued operations: 40 610 127 891 456 005 1 336 588 1. Attributable to minority interest 4 336 16 547 14 514 37 603 2. Attributable to equity holders of the Company 36 274 111 344 441 491 1 298 985 Net profit (loss) from continued operations: 40 610 127 891 61 589 146 971 1. Attributable to minority interest 4 336 16 547 12 988 33 068 2. Attributable to equity holders of the Company 36 274 111 344 48 601 113 903 Net profit (loss) (PLN) from continued operations attributable to equity holders of the Company 36 274 000 111 344 000 48 601 000 113 903 000 Weighted average number of ordinary shares 28 716 230 28 716 230 28 716 230 28 716 230 Earnings (losses) per ordinary share from continued operations (PLN) Net profit (loss) (PLN) from continued and discontinued operations Earnings (losses) per ordinary share from continued and discontinued operations (PLN) 1.26 3.88 1.69 3.97 40 610 000 127 891 000 456 005 000 1 336 588 000 1.41 4.45 15.88 46.54 Diluted weighted average number of ordinary shares 28 716 230 28 716 230 28 716 230 28 716 230 Diluted earnings (losses) per ordinary share from continued operations (PLN) Diluted earnings (losses) per ordinary share from continued and discontinued operations (PLN) 1.26 3.88 1.69 3.97 1.41 4.45 15.88 46.54 Bank BPH Group Financial Report 3Q 3/26

CONSOLIDATED INCOME STATEMENT By quarter 3Q 2Q 1Q 3Q 2Q 1Q CONTINUED OPERATIONS Interest income 201 479 184 922 186 795 137 884 133 524 132 163 Interest expenses -80 194-67 120-71 489-41 077-37 767-37 690 Net interest income 121 285 117 802 115 306 96 807 95 757 94 473 Impairment charge 1 223-9 283-7 716-5 376-3 642-13 364 Net interest income incl. impairment charges 122 508 108 519 107 590 91 431 92 115 81 109 Fee and commission income 126 869 122 689 119 012 139 658 148 682 119 481 Fee and commission expenses -31 581-23 738-31 691-53 391-49 324-31 160 Net fee and commission income 95 288 98 951 87 321 86 267 99 358 88 321 Net trading income and revaluation 23 984 10 135 30 916 17 085 8 528 15 718 Net income from investments 1 773-1 476 1 007 2 928 644 24 General administrative expenses -202 001-205 431-192 444-135 723-138 638-130 185 Result on operating income and expenses 10 332 34 385 33 619 4 948-7 109 3 771 Result on operating activity 51 884 45 083 68 009 66 936 54 898 58 758 Result on other income and expenses -398-249 -248 528-791 -282 Gross profit (loss) from continued operations 51 486 44 834 67 761 67 464 54 107 58 476 Income tax expense -10 876-9 904-15 410-5 875-15 413-11 788 Net profit (loss) from continued operations 40 610 34 930 52 351 61 589 38 694 46 688 DISCONTINUED OPERATIONS Gross profit (loss) from discontinued operations 0 0 0 478 830 458 330 532 791 Income tax expense 0 0 0-84 414-89 187-106 733 Net profit (loss) from discontinued operations 0 0 0 394 416 369 143 426 058 Net profit (loss) from continued and discontinued operations: 40 610 34 930 52 351 456 005 407 837 472 746 1. Attributable to minority interest 4 336 6 913 5 298 14 514 13 795 9 294 2. Attributable to equity holders of the Company 36 274 28 017 47 053 441 491 394 042 463 452 Net profit (loss) from continued operations: 40 610 34 930 52 351 61 589 38 694 46 688 1. Attributable to minority interest 4 336 6 913 5 298 12 988 12 289 7 791 2. Attributable to equity holders of the Company 36 274 28 017 47 053 48 601 26 405 38 897 The table above presents comparative quarterly data to illustrate a change of reporting refinancing costs the Bank made in the Semi - annual Consolidated Financial Statements of the Bank BPH SA Group in 1H. Bank BPH Group Financial Report 3Q 4/26

CONSOLIDATED BALANCE SHEET A s s e t s Cash and balances with the Central Bank Notes Sept. June As at 31 Dec. Sept. ** June ** 10 531 306 488 158 516 379 2 128 766 2 228 391 Trading assets 11 838 063 1 090 960 969 492 2 380 191 2 806 006 Hedging derivates 11 865 2 204 21 933 170 359 171 276 Loans and advances to and placements with banks 12 1 016 098 1 675 724 1 604 243 3 195 362 4 185 591 incl.: loan impairment 14 0-20 -22-318 -325 Loans and advances to customers 13 7 942 640 7 142 102 6 165 360 39 130 582 38 214 005 incl.: loan impairment 14a -254 934-267 441-253 290-1 427 496-1 434 377 Investments financial assets 15 1 263 480 694 857 2 186 643 12 300 312 11 001 143 Property and equipment 16 268 650 246 382 292 617 854 728 872 725 Intangible assets 17 156 103 161 942 194 593 253 051 267 151 Assets and disposal groups held for sale 18 011 18 000 0 6 776 6 776 Other assets 469 253 597 746 1 068 318 904 782 993 043 incl.: deferred tax assets 333 243 355 502 288 225 609 404 608 340 T o t a l a s s e t s 12 515 469 12 118 075 13 019 578 61 324 909 60 746 107 L i a b i l i t i e s Notes Sept. June As at 31 Dec. Sept. ** June ** Amounts owed to banks 18 427 890 1 335 243 3 501 417 5 931 192 5 760 710 Amounts owed to customers 19 8 078 584 6 756 062 5 620 965 41 407 866 41 889 413 Liabilities evidenced by certificates 20 762 371 684 364 576 302 3 860 004 3 425 406 Provisions 21 290 869 335 147 240 878 584 796 603 601 incl.: deferred tax liability 239 922 283 595 202 359 458 687 477 048 Trading liabilities 22 718 923 816 842 868 826 1 294 006 1 251 343 Hedging derivates 10 799 37 953 9 328 70 400 97 058 Other liabilities 524 348 521 776 640 134 1 197 020 1 211 633 Total Equity: 1 701 685 1 630 688 1 561 728 6 979 625 6 506 943 incl.: minority interests 77 771 73 435 61 224 133 899 119 385 incl.: shareholders equity 1 623 914 1 557 253 1 500 504 6 845 726 6 387 558 T o t a l e q u i t y a n d l i b i l i t i e s 12 515 469 12 118 075 13 019 578 61 324 909 60 746 107 Capital adequacy ratio * 14.38 14.15 14.59 12.41 12.46 Book value (in PLN) 1 623 914 000 1 557 253 000 1 500 504 000 6 845 726 000 6 387 558 000 Number of shares 28 716 230 28 716 230 28 716 230 28 716 230 28 716 230 Book value per share (in PLN) 56.55 54.23 52.25 238.39 222.44 Diluted number of shares 28 716 230 28 716 230 28 716 230 28 716 230 28 716 230 Diluted book value per share (in PLN) 56.55 54.23 52.25 238.39 222.44 *Capital Adequacy ratio disclosed in Bank s Group Annual Consolidated Financial Statements and in the Second Quarter Financial Statements changed due refinement of calculation method. **Balance- sheet data as 30 June and 30 September are reported for the Bank before the spin - off. Bank BPH Group Financial Report 3Q 5/26

STATEMENT OF CHANGES IN CONSOLIDATED SHAREHOLDERS' EQUITY SHARE CAPITAL Equity attributable to equity holders of the Bank OTHER CAPITAL REVALUATI ON RESERVE RETAINED PROFITS SHAREHO LDERS' EQUITY MINORITY INTERESTS TOTAL SHAREHO LDERS' EQUITY Opening balance of shareholders' equity on 1 January Charge for supplementary capital 143 581 1 076 233-11 021 291 711 1 500 504 61 224 1 561 728 0 47 513 0-47 513 0 0 0 Charge for reserve capital 0 108 345 0-108 345 0 0 0 General risk fund charge 0 12 917 0-12 917 0 0 0 Reclasification due to Bank s spin off Increases due to revaluation of securities available for sale (net of tax) Net income of hedging derivatives (net of tax) 0-99 600 0 99 600 0 0 0 0 0 1 442 0 1 442 0 1 442 0 0 10 624 0 10 624 0 10 624 Net income 0 0 0 111 344 111 344 16 547 127 891 Closing balance on 30 September 143 581 1 145 408 1 045 333 880 1 623 914 77 771 1 701 685 Opening balance of shareholders' equity on 1 January Payment for 2006 dividend Charge for supplementary capital SHARE CAPITAL Equity attributable to equity holders of the Bank OTHER CAPITAL REVALUA TION RESERVE RETAINED PROFITS SHAREHOL DERS' EQUITY MINORITY INTEREST S TOTAL SHAREHOL DERS' EQUITY 143 581 4 896 879 304 733 1 515 662 6 860 855 96 296 6 957 151 0 0 0-1 039 528-1 039 528-27 592-1 067 120 0 1 843 0-1 843 0 0 0 Charge for reserve capital 0 45 277 0-45 277 0 0 0 General risk fund charge 0 157 284 0-157 284 0 0 0 Increases due to revaluation of securities available for sale (net of tax) Net income on sale of securities available for sale Net income of hedging derivatives (net of tax) Divestment of fixed assets Other increases/decreases Change after Bank BPH S.A. spin-off Net income from continued and discontinued operations Closing balance on 31 December 0 0 4 942 0 4 942 0 4 942 0 0-144 990 0-144 990 0-144 990 0 0-184 368 0-184 368 0-184 368 0 0-502 502 0 0 0 0-545 0-392 -937 0-937 0-4 024 505 9 164-1 550 722-5 566 063-60 598-5 626 661 0 0 0 1 570 593 1 570 593 53 118 1 623 711 143 581 1 076 233-11 021 291 711 1 500 504 61 224 1 561 728 Bank BPH Group Financial Report 3Q 6/26

Equity attributable to equity holders of the Bank SHARE CAPITAL OTHER CAPITAL REVALUA TION RESERVE RETAINED PROFITS SHAREHOL DERS' EQUITY MINORITY INTEREST S TOTAL SHAREHOL DERS' EQUITY Opening balance of shareholders' equity on 1 January Payment for 2006 dividend Charge for supplementary capital 143 581 4 896 879 304 733 1 515 662 6 860 855 96 296 6 957 151 0 0 0-1 039 542-1 039 542 0-1 039 542 0 53 939 0-53 939 0 0 0 Charge for reserve capital 0 45 277 0-45 277 0 0 0 General risk fund charge 0 157 284 0-157 284 0 0 0 Decreases due to revaluation of securities available for sale (net of tax) Net income on sale of securities available for sale Net income of hedging derivatives (net of tax) Divestment of fixed assets Other increases/decreases Fx differences from recalculation Net income income from continued and discontinued operations Closing balance on 30 September 0 0-134 456 0-134 456 0-134 456 0 0-293 0-293 0-293 0 0-137 912 0-137 912 0-137 912 0 0-109 109 0 0 0 0-545 0-985 -1 530 0-1 530 0 0-381 0-381 0-381 0 0 0 1 298 985 1 298 985 37 603 1 336 588 143 581 5 152 834 31 582 1 517 729 6 845 726 133 899 6 979 625 Bank BPH Group Financial Report 3Q 7/26

I. Net cash flow from operating activities - indirect method CONSOLIDATED CASH FLOW STATEMENT 3 rd quarter 1 July - 30 Sept. 3 quarters in accruals 1 Jan. - 30 Sept. 3 rd quarter 1 July - 30 Sept. 3 quarters in accruals 1 Jan. - 30 Sept. -13 295-136 642-496 806 6 041 677 II. Net cash flow from investing activities -31 115-49 629-53 110-62 587 III. Net cash flow from financing activities 87 558 201 198 450 291-6 093 156 IV. Total net cash flows 43 148 14 927-99 625-114 066 Bank BPH Group Financial Report 3Q 8/26

NOTES TO THE QUARTERLY FINANCIAL STATEMENTS OF THE BANK BPH GROUP (1) Changes in respect of consolidated companies in Q4 The number of consolidated companies presented in the Group report dit not change. The full consolidation method covered the subsidiaries: BPH PBK Zarządzanie Funduszami Sp. z o.o. (2) NET INTEREST INCOME 1 July - 30 Sept. 1 Jan. - 30 Sept. 1 July - 30 Sept. 1 Jan. - 30 Sept. Interest income incl. on: 201 328 572 856 137 555 402 789 loans and money market transactions 185 835 519 920 128 527 377 365 other 15 493 52 936 9 028 25 424 Interest expenses for: -80 069-218 509-40 941-116 285 deposits, loans received and money market transactions -75 439-206 480-38 093-108 954 other -4 630-12 029-2 848-7 331 Net income from leasing business 26 46 193 533 income 151 340 329 782 expenses -125-294 -136-249 NET INTEREST INCOME 121 285 354 393 96 807 287 037 NET INTEREST INCOME 1 April - 30 June 1 Jan. - 31 March 1 April - 30 June 1 Jan. - 31 March Interest income incl. on: 184 807 186 721 133 156 132 078 loans and money market transactions 171 857 162 228 124 816 124 022 other 12 950 24 493 8 340 8 056 Interest expenses for: -66 962-71 478-37 733-37 611 deposits, loans received and money market transactions -62 857-68 184-35 738-35 123 other -4 105-3 294-1 995-2 488 Net income from leasing business -43 63 334 6 income 115 74 368 85 expenses -158-11 -34-79 NET INTEREST INCOME 117 802 115 306 95 757 94 473 (3) IMPAIRMENT CHARGES 1 July - 30 Sept. 1 Jan. - 30 Sept. 1 July - 30 Sept. 1 Jan. - 30 Sept. Increase -37 680-107 420-36 727-111 457 revaluation of loans and advances and other -37 680-107 393-36 727-111 454 provisions for contingent liabilities 0-27 0-3 Decrease 38 903 91 644 31 351 89 075 revaluation of loans and advances and other 38 903 91 617 31 350 89 036 Bank BPH Group Financial Report 3Q 9/26

provisions for contingent liabilities 0 27 1 39 IMPAIRMENT CHARGES 1 223-15 776-5 376-22 382 (4) NET FEE AND COMMISSION INCOME 1 July - 30 Sept. 1 Jan. - 30 Sept. 1 July - 30 Sept. 1 Jan. - 30 Sept. Income from: 126 869 368 570 139 658 407 821 securities and custodian business 3 987 11 108 7 933 18 195 loans and advances 7 451 22 690 13 079 23 307 domestic payments 53 643 157 464 32 614 117 289 foreign payments 4 072 12 139 1 967 9 015 net transactional exchange rate result 16 851 43 056 4 851 26 572 investment fund managment and distribution of participation units 31 110 112 030 41 871 175 456 other 9 755 10 083 37 343 37 987 Expenses on: -31 581-87 010-53 391-133 875 securities and custodian business -1 608-3 920-537 -2 304 loans and advances -1 001-2 637-573 -1 072 domestic payments -17 655-56 982-29 917-53 363 foreign payments -207-513 -58-208 investment fund managment and distribution of participation units -8 865-15 254-19 537-68 526 other -2 245-7 704-2 769-8 402 NET FEE AND COMMISSION INCOME 95 288 281 560 86 267 273 946 NET FEE AND COMMISSION INCOME 1 April - 30 June 1 Jan. - 31 March 1 April - 30 June 1 Jan. - 31 March Income from: 122 689 119 012 148 682 119 481 securities and custodian business 2 695 4 426 4 385 5 877 loans and advances 9 026 6 213 1 566 8 662 domestic payments 57 735 46 086 46 153 38 522 foreign payments 4 335 3 732 4 229 2 819 net transactional exchange rate result 15 942 10 263 14 435 7 286 investment fund managment and distribution of participation units 33 340 47 580 83 817 49 768 other -384 712-5 903 6 547 Expenses on: -23 738-31 691-49 324-31 160 securities and custodian business -1 223-1 089-1 153-614 loans and advances -1 017-619 -157-342 domestic payments -21 671-17 656-19 021-4 425 foreign payments -173-133 -34-116 investment fund managment and distribution of participation units 2 831-9 220-25 700-23 289 other -2 485-2 974-3 259-2 374 NET FEE AND COMMISSION INCOME 98 951 87 321 99 358 88 321 Bank BPH Group Financial Report 3Q 10/26

(5) NET TRADING INCOME AND REVAULATION 1 July - 30 Sept. 1 Jan. - 30 Sept. 1 July - 30 Sept. 1 Jan. - 30 Sept. Result on fixed income instruments -4 286-12 529-552 -16 Exchange gain (loss) 28 270 77 564 17 637 41 347 NET TRADING INCOME AND REVALUATION 23 984 65 035 17 085 41 331 NET TRADING INCOME AND REVAULATION 1 April - 30 June 1 Jan. - 31 March 1 April - 30 June 1 Jan. - 31 March Result on on equity instruments 0 0-1 1 Result on fixed income instruments -12 889 4 646 309 227 Exchange gain (loss) 23 024 26 270 8 220 15 490 NET TRADING INCOME AND REVALUATION 10 135 30 916 8 528 15 718 (6) NET INCOME FROM INVESTMENTS 1 July - 30 Sept. 1 Jan. - 30 Sept. 1 July - 30 Sept. 1 Jan. - 30 Sept. Profit on sales of available for sale portfolio 0 0 0 27 Loss on sales of available for sale portfolio -7-23 0 0 Net result on financial instruments designated as at fair value through profit or loss (FVO) 1 780 1 327 2 928 3 569 NET INCOME FROM INVESTMENTS 1 773 1 304 2 928 3 596 (7) GENERAL ADMINISTRATIVE EXPENSES 1 July - 30 Sept. 1 Jan. - 30 Sept. 1 July - 30 Sept. 1 Jan. - 30 Sept. Salaries and employee benefits -105 280-298 718-73 434-226 425 Building maintenance and rents -24 592-68 893-15 579-45 031 Other expenses -45 954-138 595-67 531-159 361 Depreciation -26 175-93 670-35 416-104 224 Allocation of costs* 0 0 56 237 130 495 GENERAL ADMINISTRATIVE EXPENSES -202 001-599 876-135 723-404 546 *Costs are allocated for transactions between the continued and discontinued operations introduced as part of an internal cost allocation system. Details are presented in note 9 Discontinued operation. (8) RESULT ON OTHER OPERATING INCOME AND EXPENSES 1 July - 30 Sept. 1 Jan. - 30 Sept. 1 July - 30 Sept. 1 Jan. - 30 Sept. Other operating income 13 839 101 824 9 076 22 569 Other operating expenses -3 507-23 488-4 128-20 959 RESULT ON OTHER OPERATING INCOME AND EXPENSES 10 332 78 336 4 948 1 610 Bank BPH Group Financial Report 3Q 11/26

(9) DISCONTINUED OPERATIONS Discontinued operation In, the discontinued operation encompassed an organised part of Bank BPH business covering both assets and liabilities and consisted of 285 branches and a portion of the Head Office, which were transferred to Bank Pekao on the spin-off 29 November. The discontinued operation included all customers of the Corporate Banking Division and a portion of customers of the Retail Banking Division and of the International Markets Division. Details of the sale of the discontinued operation On Oct. 3,, the Commission of Banking Supervision approved Bank BPH spin-off and the incorporation of the spin-off part (285 branches) into Pekao, pursuant to the Bank BPH SA Spin-off Plan adopted on Nov. 15, 2006 and approved by the Band BPH General Meeting on April 27,. Bank BPH spin-off became effective on Nov. 29,, when the Court registered a Pekao equity increase linked to the Bank BPH spin-off performed under Art. 529 (1) (4) of the Code of Commercial Companies, i.e. by a transfer to Pekao of a portion of Bank BPH assets in the form of an organised business in exchange of Pekao shares assumed by Bank BPH shareholders (so called Spin-off Issue shares). The Bank s shareholders relieved Pekao Spin-off Issue shares on Dec. 18,, at the 1:3.3 allocation parity, which meant that the Bank s shareholders, for each Bank BPH share, received 3.3 Pekao Spin-off Issue shares, while retaining the same number of Bank BPH shares. The spin-off transaction was a consequence of the take-over, in November 2005, by UniCredit Group (strategic investor of Pekao) of HVB Group (the then strategic investor of Bank BPH), and of a subsequent agreement between UniCredit and the Polish State Treasury, concluded on April 19, 2006. In connection with the Bank s spin off, executed on 29 November, the Bank presents its profit and loss account for the 9 months. Income and expense with discontinued operation from 1 July to 30 Sept. from 1 Jan. to 30 Sept. Interest income 767 938 2 228 524 Interest expenses -265 117-801 273 Net interest income 502 821 1 427 251 Impairment charges -35 807-145 896 Net interest income incl. impairment charges 467 014 1 281 355 Fee and commission income 316 047 908 511 Fee and commission expenses -16 069-94 212 Net fee and commission income 299 978 814 299 Net trading income and revaluation 1 132 25 701 Net income from investments -235 173 993 General administrative expenses -288 487-841 513 Result on operating income and expenses 246 18 756 Result on operating activity 479 648 1 472 591 Result on other income and expenses -818-2 640 Gross profit (loss) from discontinued operations 478 830 1 469 951 Income tax expense -84 414-280 334 Net profit (loss) from discontinued operations 394 416 1 189 617 1. Attributable to minority interest 1 526 4 535 2. Attributable to equity holders of the Company 392 890 1 185 082 Bank BPH Group Financial Report 3Q 12/26

Basic and diluted weighted average number of ordinary shares from discontinued operation. from 1 July to 30 Sept. PLN from 1 Jan. to 30 Sept. Net profit from discountinued operation 394 416 000 1 189 617 000 Weighted average number of ordinary shares 28 716 230 28 716 230 Earnings per ordinary share (PLN) from discintinued operation 13.73 41.43 Weighted average number of ordinary shares 28 716 230 28 716 230 Diluted earnings per ordinary share (PLN) from discountinued operation 13.73 41.43 Prior to the spin-off, the Bank separated its assets into those intended to be transferred to Pekao (discontinued operation) and those to remain with Bank BPH (continued operation). Until the spin-off day certain specialized Bank units continued to provide support necessary to ensure the continued functioning of both the continued and discontinued operation, although being assigned to one of those operations. As a consequence responsibilities of those units were redefined to enable servicing both continued and discontinued operations. In addition a system was introduced to allocate the cost of services provided by units located in one operation to the other regardless of their organisational assignment (Service Level Agreement). In case of the unit, which in accordance to the Spin-off Plan was assigned to continued operations and serviced also discontinued operations, in compliance with the Service Level Agreement, the related costs were allocated to discontinued operations and vice-versa. Following the separation of the discontinued business, the Group modified its the first nine months of profit and loss account to show the continued and discontinued sections. The impact of the breaking down of the Bank s activity into the continued and discontinued businesses on the 30 September P&L comparable data is summarised in the table below. CONTINUED OPERATIONS 1 Jan. 30 Sept. (unadjusted) Separation of discontinued operation Modified refinancing cost presentation 1 Jan. 30 Sept. (adjusted) Interest income 2 632 095-2 228 524 403 571 Interest expenses -881 686 801 273-36 121-116 534 Net interest income 1 750 409-1 427 251-36 121 287 037 Impairment charge -168 278 145 896-22 382 Net interest income incl. impairment charges 1 582 131-1 281 355-36 121 264 655 Fee and commission income 1 316 332-908 511 407 821 Fee and commission expenses -228 087 94 212-133 875 Net fee and commission income 1 088 245-814 299 273 946 Net trading income and revaluation 30 911-25 701 36 121 41 331 Net income from investments 177 589-173 993 3 596 General administrative expenses -1 246 059 841 513-404 546 Result on operating income and expenses 20 366-18 756 1 610 Result on operating activity 1 653 183-1 472 591 180 592 Result on other income and expenses -3 185 2 640-545 Gross profit (loss) from continued operations 1 649 998-1 469 951 180 047 Bank BPH Group Financial Report 3Q 13/26

Income tax expense -313 410 280 334-33 076 Net profit (loss) from continued operations 1 336 588-1 189 617 146 971 DISCONTINUED OPERATIONS Gross profit (loss) from discontinued operations - 1 469 951 1 469 951 Income tax expense - -280 334-280 334 Net profit (loss) from discontinued operations - 1 189 617 1 189 617 Net profit (loss) from continued and discontinued operations: 1 336 588 1 189 617 146 971 1. Attributable to minority interest 37 603-4 535 33 068 2. Attributable to equity holders of the Company 1 298 985-1 185 082 113 903 Bank BPH Group Financial Report 3Q 14/26

(10) CASH AND BALANCES WITH THE CENTRAL BANK DETAILED DATA - BALANCE SHEET Sept. June As at 31 Dec. Sept. June Cash 257 146 260 198 291 429 650 279 734 517 Balances with the Central Bank 232 902 226 570 221 958 1 454 430 1 474 934 Debt securities and bills issued by the State Treasury and other public issuers eligible for discounting at the Central Bank 41 258 1 390 2 992 24 057 18 940 T - bills 32 488 0 0 0 0 BOE eligible for rediscounting 8 770 1 390 2 992 24 057 18 940 CASH AND BALANCES WITH THE CENTRAL BANK 531 306 488 158 516 379 2 128 766 2 228 391 (11) TRADING ASSETS Debt securities and other fixed-income securities Sept. June As at 31 Dec. Sept. June 22 432 2 829 3 261 822 840 1 229 915 Bonds 22 352 2 753 3 261 266 030 655 432 Eurobonds 80 76 0 47 447 46 413 Other 0 0 0 509 363 528 070 Positive market value of derivatives 813 268 1 083 979 914 794 1 481 803 1 467 643 Derivaties hedging the portfolio of financial assets priced at fair value with the pricing recognized on the P & L account (FVO) 2 363 4 152 51 437 75 548 108 448 TRADING ASSETS 838 063 1 090 960 969 492 2 380 191 2 806 006 (12) LOANS AND ADVANCES TO AND PLACEMENTS WITH BANKS BY TYPE Sept. June As at 31 Dec. Sept. June Money market placements 947 105 1 538 333 831 347 2 495 156 3 704 372 Loans and advances 0 23 352 292 162 266 819 Other including 67 802 135 248 769 066 398 074 207 714 current accounts 51 094 45 764 75 450 234 616 164 778 accounts for special purpose funds 13 74 631 33 87 162 buy - sell back transactions 0 0 631 981 121 500 2 639 loans and advances under cash collateral 16 695 6 708 61 602 9 066 37 658 received but not booked loans and advances with banks 0 8 145 0 30 818 0 other 0 0 0 1 987 2 477 Gross total 1 014 907 1 673 604 1 600 765 3 185 392 4 178 905 Adjustments to EIR 0-2 -1-333 -378 Discount on purchased loans 0 0 0 44 8 Loan loss provision 0-20 -22-318 -325 Interest 1 191 2 142 3 501 10 577 7 381 LOANS AND ADVANCES TO AND PLACEMENTS WITH BANKS 1 016 098 1 675 724 1 604 243 3 195 362 4 185 591 (13) LOANS AND ADVANCES TO CUSTOMERS BY TYPE Sept. June As at 31 Dec. Sept. June Deposits 21 036 19 831 16 220 24 914 26 377 Bank BPH Group Financial Report 3Q 15/26

Loans and advances: 7 976 204 7 205 493 6 161 152 38 632 667 37 751 279 from financial institutions 61 036 61 314 62 609 1 672 637 1 723 972 from non-financial institutions 7 913 023 7 142 026 6 095 857 35 982 469 35 031 282 from government institutions 2 145 2 153 2 686 977 561 996 025 Other: 177 172 163 406 225 129 117 188 199 646 buy sell back transactions 136 906 136 376 197 808 0 0 received but not booked loans and advances to customers 23 275 20 329 19 392 93 287 177 677 other 16 991 6 701 7 929 23 901 21 969 Financial lease receivables 5 256 5 386 5 021 1 722 360 1 636 324 GROSS TOTAL 8 179 668 7 394 116 6 407 522 40 497 129 39 613 626 Adjustments to EIR -8 308-8 958-10 737-79 390-84 438 Discount on purchased loans -316-53 -36-14 005-16 153 Loan loss provision -254 934-267 441-253 290-1 427 496-1 434 377 Interest 26 530 24 438 21 901 154 344 135 347 LOANS AND ADVANCES TO CUSTOMERS 7 942 640 7 142 102 6 165 360 39 130 582 38 214 005 (14) IMPAIRMENT CHARGES FOR BANKS Sept. June As at 31 Dec. Sept. June Opening balance 22 22 365 365 365 allocations to impairment charges 0 0 554 0 0 release of impairment charges -2-2 -3-47 -40 used 0 0 0 0 0 revaluation 0 0 0 0 0 change after Bank BPH spin-off 0 0-894 0 0 other -20 0 0 0 0 CLOSING BALANCE 0 20 22 318 325 14a) IMPAIRMENT CHARGES FOR CUSTOMERS Sept. June As at 31 Dec. Sept. June Opening balance 253 290 253 290 1 365 514 1 365 514 1 365 514 allocations to impairment charges 103 386 66 392 877 806 442 196 294 340 release of impairment charges -62 578-39 260-701 127-233 822-143 025 used -38 578-11 416-156 176-139 391-74 251 revaluation -610-1 569-21 220-7 926-8 319 change after Bank BPH spin-off 0 0-1 114 000 0 0 other 24 4 2 493 925 118 CLOSING BALANCE 254 934 267 441 253 290 1 427 496 1 434 377 (15) INVESTMENTS FINANCIAL ASSETS Sept. June As at 31 Dec. Sept. June Assets available for sale 316 369 350 557 349 587 1 558 736 1 581 732 Debt instruments 316 352 350 540 349 570 1 450 233 1 476 573 bonds 316 352 350 540 349 570 1 415 842 1 417 898 Treasury bills 0 0 0 34 391 34 040 others 0 0 0 0 24 635 Equity instruments 17 17 17 108 503 105 159 Bank BPH Group Financial Report 3Q 16/26

shares 0 0 0 22 648 21 288 interests 17 17 17 85 855 83 871 Debt securities designated as at fair value through profit or loss (FVO) 923 693 321 226 1 812 033 10 717 292 9 398 102 bonds 312 938 320 920 312 913 3 651 888 3 632 409 Treasury bills 5 191 306 0 20 799 29 075 eurobonds 0 0 85 40 148 74 036 money market bills 605 564 0 1 499 035 6 996 993 5 645 847 other 0 0 0 7 464 16 735 Investments certificates designated as at fair value through profit or loss (FVO) 23 418 23 074 25 023 24 284 21 309 INVESTMENTS FINANCIAL ASSETS 1 263 480 694 857 2 186 643 12 300 312 11 001 143 (16) PROPERTY AND EQUIPMENT BY TYPE Sept. June As at 31 Dec. Sept. June Land (including perpetual usufruct) 2 311 2 311 3 111 14 834 14 834 Buildings, premises 128 332 86 081 116 766 586 165 496 354 Other property and equipment 108 625 144 590 156 302 248 062 358 389 Property and equipment under construction 29 382 13 400 16 438 5 667 3 148 PROPERTY AND EQUIPMENT 268 650 246 382 292 617 854 728 872 725 (17) INTANGIBLE ASSETS BY TYPE Sept. June As at 31 Dec. Sept. June Goodwill 107 659 107 659 107 659 162 219 162 219 Other intangible assets 48 444 54 283 86 934 90 832 104 932 INTANGIBLE ASSETS 156 103 161 942 194 593 253 051 267 151 (18) AMOUNTS OWED TO BANKS BY TYPE Sept. June As at 31 Dec. Sept. June Account balances 1 835 4 556 15 874 407 343 531 858 Money market placements 258 500 874 043 3 228 486 3 671 423 3 144 339 Loans and advances received 0 0 0 1 494 523 1 511 968 Other: 165 623 453 919 242 327 361 377 575 776 amounts owed under cash collateral 161 998 453 679 241 448 259 590 224 535 accounts for special purpose funds 3 439 26 1 21 814 22 181 buy sell back transactions 0 0 0 79 404 328 474 other 186 214 878 569 586 GROSS TOTAL 425 958 1 332 518 3 486 687 5 934 666 5 763 941 Adjustments to EIR -2-2 -37-14 084-14 331 Interest 1 934 2 727 14 767 10 610 11 100 TOTAL AMOUNTS OWED TO BANKS 427 890 1 335 243 3 501 417 5 931 192 5 760 710 Bank BPH Group Financial Report 3Q 17/26

(19) AMOUNTS OWED TO CUSTOMERS BY TYPE Sept. June As at 31 Dec. Sept. June Account balances 2 999 771 3 019 748 3 150 790 16 441 237 16 052 527 Deposits 4 930 153 3 614 870 2 117 334 23 012 508 23 267 936 Loans and advances received 3 892 4 236 5 115 11 216 12 377 Other: 126 229 103 711 342 279 1 880 676 2 497 027 buy sell back transactions 0 0 0 726 070 1 417 302 amounts owed under cash collateral 36 610 27 125 32 147 487 682 433 496 other 89 619 76 586 310 132 666 924 646 229 GROSS TOTAL 8 060 045 6 742 565 5 615 518 41 345 637 41 829 867 Adjustments to EIR -46-42 -18-206 -201 Interest 18 585 13 539 5 465 62 435 59 747 TOTAL AMOUNTS OWED TO CUSTOMERS 8 078 584 6 756 062 5 620 965 41 407 866 41 889 413 (20) LIABILITIES EVIDENCED BY CERTIFICATES Sept. June As at 31 Dec. Sept. June Bonds 0 0 0 608 586 630 746 Certificates 799 084 712 234 598 594 2 605 270 2 138 507 Other 0 0 0 728 950 723 000 GROSS TOTAL 799 084 712 234 598 594 3 942 806 3 492 253 Adjustments to EIR -392-350 -284-3 175-3 151 Discount -41 324-32 097-25 963-108 331-88 979 Interest 5 003 4 577 3 955 28 704 25 283 TOTAL LIABILITIES EVIDENCED BY CERTIFICATES 762 371 684 364 576 302 3 860 004 3 425 406 (21) PROVISIONS Sept. June As at 31 Dec. Sept. June Deferred tax liability 239 922 283 595 202 359 458 687 477 048 Provisions for retirement benefits and similar obligations 19 055 19 294 12 471 33 056 33 269 Provision for holidays 11 128 11 428 8 064 23 569 23 570 Provisions for contingent liabilities 12 902 12 115 8 894 60 501 60 731 Other 7 862 8 715 9 090 8 983 8 983 TOTAL PROVISIONS 290 869 335 147 240 878 584 796 603 601 (22) TRADING LIABILITIES Sept. June As at 31 Dec. Sept. June Negative fair values of derivatives 716 741 806 743 805 083 1 194 165 1 092 316 Liabilities from short sales 0 0 0 0 2 636 Bank BPH Group Financial Report 3Q 18/26

Derivatives hedging the portfolio of financial assets priced at fair value with pricing recognized on the P&L account (FVO) 2 182 10 099 63 743 99 841 156 391 TOTAL TRADING LIABILITIES 718 923 816 842 868 826 1 294 006 1 251 343 (23) CONTINGENT LIABILITIES I. Contingent liabilities granted and received Sept. June As at 31 Dec. Sept. June 7 652 196 7 218 450 2 607 056 27 304 254 30 388 166 1. Contingent liabilities granted: 2 108 814 1 936 693 1 234 816 17 348 271 16 658 196 a) financing 1 976 387 1 830 601 1 213 075 15 419 062 14 850 261 b) guarantee 132 427 106 092 21 741 1 929 209 1 807 935 2. Contingent liabilities received: 5 543 382 5 281 757 1 372 240 9 955 983 13 729 970 a) financing 4 957 944 4 688 902 1 010 942 69 536 1 497 950 b) guarantee 585 438 592 855 361 298 9 886 447 12 232 020 II. Liabilities connected with the execution of buy/ sell transactions 26 000 589 34 141 946 47 018 410 85 364 146 85 447 244 III. Other: 110 966 654 145 165 314 154 808 621 406 134 905 395 243 606 securities issued as guarantees 0 0 0 543 485 537 867 securities received as guarantees and other collateral deducted from riskweighed assets 209 927 212 160 390 697 4 683 124 4 840 401 transactions in securities 238 718 265 024 0 1 121 975 1 440 959 liabilities under transactions in financial instruments 110 518 009 144 688 130 154 417 924 399 786 321 388 424 379 TOTAL OFF BALANCE ITEMS 144 619 439 186 525 710 204 434 087 518 803 305 511 079 016 (24) Segment reporting CONSOLIDATED INCOME STATEMENT CONTINUED OPERATIONS Interest income external income internal income Interest expenses external expenses Retail Corporate Segments Internationa l markets* Other (not allocated to segments)) Exclusions 2 3 4 5 6 Consolidat ed value (2+3+4+5-6) 1Q 224 992 3 144 156 921 42 762-241 024 186 795 2Q 247 837 13 739 138 754 45 851-261 259 184 922 3Q 285 960 28 876 186 601 28 567-328 525 201 479 1Q 128 712 1 477 50 179 6 427 x x 2Q 151 733 8 107 12 111 12 971 x x 3Q 145 240 12 423 38 346 5 470 x x 1Q 96 280 1 667 106 742 36 335-241 024 x 2Q 96 104 5 632 126 643 32 880-261 259 x 3Q 140 720 16 453 148 255 23 097-328 525 x 1Q -125 864-2 924-159 015-24 710 241 024-71 489 2Q -142 674-9 440-156 032-20 233 261 259-67 120 3Q -168 918-25 033-198 495-16 273 328 525-80 194 1Q -46 145-611 -24 733 0 x x 2Q -42 201-3 503-21 416 0 x x 3Q -50 933-11 036-18 225 0 x x internal expenses 1Q -79 719-2 313-134 282-24 710 241 024 x Bank BPH Group Financial Report 3Q 19/26

Net interest income Impairment charges Net interest income incl. permanent impairment charges Fee and commission income Fee and commission expenses Net fee and commission income Net traiding income and revaluation Net income from investments General administrative expenses Net income from other operating costs and revenues Operating profit Net income from other costs and revenues Gross profit (loss) from continued operations Income tax Net profit (loss) from continued operations Minority interest net income 2Q -100 473-5 937-134 616-20 233 261 259 x 3Q -117 985-13 997-180 270-16 273 328 525 x 1Q 99 128 220-2 094 18 052 0 115 306 2Q 105 163 4 299-17 278 25 618 0 117 802 3Q 117 042 3 843-11 894 12 294 0 121 285 1Q -7 731 15 0 0 0-7 716 2Q -9 312 29 0 0 0-9 283 3Q -7 232 8 455 0 0 0 1 223 1Q 91 397 235-2 094 18 052 0 107 590 2Q 95 851 4 328-17 278 25 618 0 108 519 3Q 109 810 12 298-11 894 12 294 0 122 508 1Q 108 003 10 995 14 0 0 119 012 2Q 113 596 8 042 1 051 0 0 122 689 3Q 106 750 20 119 0 0 0 126 869 1Q -29 723-1 954-14 0 0-31 691 2Q -21 927-326 -1 485 0 0-23 738 3Q -29 661-1 529-391 0 0-31 581 1Q 78 280 9 041 0 0 0 87 321 2Q 91 669 7 716-434 0 0 98 951 3Q 77 089 18 590-391 0 0 95 288 1Q 0 0 33 591-2 675 0 30 916 2Q 0 0 11 051-916 0 10 135 3Q 0 0 22 298 1 686 0 23 984 1Q -11 381 625 12 0 1 007 2Q -5-2 329 870-12 0-1 476 3Q -7 344 1 436 0 0 1 773 1Q -142 821-16 506-12 977-20 140 0-192 444 2Q -177 476-35 923-12 172 20 140 0-205 431 3Q -163 821-28 308-9 876 4 0-202 001 1Q 79 0 0 33 540 0 33 619 2Q 109 0 0 34 276 0 34 385 3Q -54 0 0 10 386 0 10 332 1Q 26 924-6 849 19 145 28 789 0 68 009 2Q 10 148-26 208-17 963 79 106 0 45 083 3Q 23 017 2 924 1 573 24 370 0 51 884 1Q 0 0 0-248 0-248 2Q 0 0 0-249 0-249 3Q 0 0 0-398 0-398 1Q 26 924-6 849 19 145 28 541 0 67 761 2Q 10 148-26 208-17 963 78 857 0 44 834 3Q 23 017 2 924 1 573 23 972 0 51 486 1Q 0 0 0-15 410 0-15 410 2Q 0 0 0-9 904 0-9 904 3Q 0 0 0-10 876 0-10 876 1Q 26 924-6 849 19 145 13 131 0 52 351 2Q 10 148-26 208-17 963 68 953 0 34 930 3Q 23 017 2 924 1 573 13 096 0 40 610 1Q 5 298 0 0 0 0 5 298 2Q 6 913 0 0 0 0 6 913 3Q 4 336 0 0 0 0 4 336 Bank BPH Group Financial Report 3Q 20/26

Net profit (loss) (PLN) from continued operations attributable to equity holders of the Company 1Q 21 626-6 849 19 145 13 131 0 47 053 2Q 3 235-26 208-17 963 68 953 0 28 017 3Q 18 681 2 924 1 573 13 096 0 36 274 * Excluding treasury product sales by International Market Division that are fully reported under either the Corporate or the Retail Segment. The segment performance of the INM does not include the performance of the INM's Sales and Capital Markets. The retail segment boosted its interest margin by 11,879 thousand zlotys (or by 11.30%) compared to Q2. The net fee and commission income dropped by 14,580 thousand zlotys (or by 15.91%). The cost of operation and general administration shrunk compared to Q2 by 13,655 thousand zlotys (or by 7.69%). The retail segment s net operating income rose by 12,869 thousand zlotys (or by 126.81%) on the Q2 figure, which was primarily driven by the better net interest income and lower cost of operation and general administration. The corporate segment lost 456 thousand zlotys in the margin income (or 10.61%). The net commission income grew by 10,874 thousand zlotys (or by 140.93%). The cost of operation and general administration dropped by 7,615 thousand zlotys (or by 21.20%). The segment s overall net operating income gained 29,132 thousand zlotys (or 111.16%), primarily as a result of the improved commission income. The International Markets Segment generated a pre-tax profit of 1.57 million zlotys, which was 19.54 million zlotys (or 108.76%) more than in Q2 (this excludes the Sales and Capital Markets Area fully allocated to the Retail and Corporate segments) INM s sales of treasury and investment products are fully reported under the Corporate and Retail segments. In Q3, this business netted an income of 14.57 million zlotys, or 2.23 million zlotys (or 18 %) more than in Q2. The net interest income stood at -11.89 million zlotys and was up by 5.38 million zlotys (or 31.16%) on Q2. The net trading income stood at 22.30 million zlotys after growing by 11.25 million zlotys (or 101.77%) on the Q2 figure. A s s e t s T o t a l a s s e t s Retail Corporate Internal Markets Other (not assigned to segments) Total assets 31.03. 6 034 876 178 511 3 449 933 2 940 229 12 603 549 30.06. 6 332 968 287 429 3 239 620 2 258 058 12 118 075 30.09. 6 487 802 516 378 2 911 085 2 600 204 12 515 469 L i a b i l i t i e s T o t a l l i a b i l i t i e s Retail Corporate Internal Markets Other (not assigned to segments) Total liabilities 31.03. 6 341 818 113 397 1 384 684 4 763 650 12 603 549 30.06. 6 770 410 233 685 1 130 147 3 983 833 12 118 075 30.09. 7 098 871 490 747 902 639 4 023 212 12 515 469 Bank BPH Group Financial Report 3Q 21/26

ABRIDGED FINANCIAL STATEMENTS OF BANK BPH SA FOR THE 3 QUARTERS OF INCOME STATEMENT OF BANK BPH SA CONTINUED OPERATIONS 3 rd quarter 1 July - 30 Sept. 3 quarters in accruals 1 Jan. - 30 Sept. 3 rd quarter 1 July - 30 Sept. 3 quarters in accruals 1 Jan. - 30 Sept. Interest income 199 097 594 740 136 191 399 688 Interest expenses -80 228-219 155-41 076-116 533 Net interest income 118 869 375 585 95 115 283 155 Impairment charges 1 223-15 776-5 376-22 382 Net interest income incl.: impairment charges 120 092 359 809 89 739 260 773 Fee and commission income 101 216 289 315 72 392 220 835 Fee and commission expenses -20 964-65 910-31 356-58 061 Net fee and commission income 80 252 223 405 41 036 162 774 Net trading income and revaluation 23 984 65 035 17 085 41 331 Net income from investments 1 773 1 304 2 928 3 596 General administrative expenses -195 223-576 330-120 085-372 486 Result on other operating income and expenses 10 386 78 202 4 991 1 694 Result on operating activity 41 264 151 425 35 694 97 682 Result on other income and expenses -398-895 -182-545 Gross profit (loss) from continued operations 40 866 150 530 35 512 97 137 Income tax expense -8 940-28 334 43-16 442 Net profit (loss) from continued operations 31 926 122 196 35 555 80 695 DISCONTINUED OPERATIONS Gross profit (loss) from discontinued operations 0 0 461 293 1 440 523 Income tax expense 0 0-80 943-268 923 Net profit (loss) from discontinued operations 0 0 380 350 1 171 600 Net profit (loss) from continued and discontinued operations 31 926 122 196 415 905 1 252 295 Net profit (loss) (PLN) from continued operations 31 926 000 122 196 000 35 555 000 80 695 000 Weighted average number of ordinary shares 28 716 230 28 716 230 28 716 230 28 716 230 Earnings (losses) per ordinary share from continued operations (PLN) Net profit (loss) (PLN) from continued and discontinued operations Earnings (losses) per ordinary share from continued and discontinued operations (PLN) 1.11 4.26 1.24 2.81 31 926 000 122 196 000 415 905 000 1 252 295 000 1.11 4.26 14.48 43.61 Weighted average diluted number of ordinary shares 28 716 230 28 716 230 28 716 230 28 716 230 Diluted earnings (losses) per ordinary share from continued operations (PLN) Diluted earnings (losses) per ordinary share from continued and discontinued operations (PLN) 1.11 4.26 1.24 2.81 1.11 4.26 14.48 43.61 Bank BPH Group Financial Report 3Q 22/26

INCOME STATEMENT OF THE BANK BPH FOR THE 3 QUARTERS OF By quarter 3Q 2Q 1Q 3Q 2Q 1Q CONTINUED OPERATIONS Interest income 199 097 182 849 212 794 136 191 132 269 131 228 Interest expenses -80 228-67 127-71 800-41 076-37 767-37 690 Net interest income 118 869 115 722 140 994 95 115 94 502 93 538 Impairment charge 1 223-9 283-7 716-5 376-3 642-13 364 Net interest income incl. impairment charges 120 092 106 439 133 278 89 739 90 860 80 174 Fee and commission income 101 216 103 086 85 013 72 392 82 928 65 515 Fee and commission expenses -20 964-24 740-20 206-31 356-21 129-5 576 Net fee and commission income 80 252 78 346 64 807 41 036 61 799 59 939 Net trading income and revaluation 23 984 10 135 30 916 17 085 8 528 15 718 Net income from investments 1 773-1 476 1 007 2 928 644 24 General administrative expenses -195 223-199 500-181 607-120 085-130 638-121 763 Result on operating income and expenses 10 386 34 276 33 540 4 991-7 086 3 789 Result on operating activity 41 264 28 220 81 941 35 694 24 107 37 881 Result on other income and expenses -398-249 -248-182 -363 0 Gross profit (loss) from continued operations 40 866 27 971 81 693 35 512 23 744 37 881 Income tax expense -8 940-6 846-12 548 43-9 681-6 804 Net profit (loss) from continued operations 31 926 21 125 69 145 35 555 14 063 31 077 DISCONTINUED OPERATIONS Gross profit (loss) from discontinued operations 0 0 0 461 293 466 068 513 162 Income tax expense 0 0 0-80 943-85 257-102 723 Net profit (loss) from discontinued operations 0 0 0 380 350 380 811 410 439 Net profit (loss) from continued and discontinued operations: 31 926 21 125 69 145 415 905 394 874 441 516 The table above presents comparative quarterly data to illustrate a change of reporting refinancing costs the Bank made in the Abbreviated Interim Financial Statements of Bank BPH SA in 1H. Bank BPH Group Financial Report 3Q 23/26

BALANCE SHEET OF BANK BPH SA A s s e t s Cash and balances with the Central Bank Sept. June As at 31 Dec. Sept. ** June ** 531 306 488 158 516 379 2 127 697 2 228 198 Trading assets 838 063 1 090 960 969 492 2 474 094 2 848 669 Hedging derivates 11 865 2 204 21 933 170 359 171 276 Loans and advances to and placements with banks 998 705 1 593 107 1 584 877 3 255 210 4 322 066 incl.: loan impairment 0-20 -22-318 -325 Loans and advances to customers 7 805 711 7 005 416 5 967 127 36 015 485 35 217 882 incl.: loan impairment -254 934-267 441-253 290-1 352 957-1 365 250 Investments financial assets 1 272 356 703 725 2 195 535 12 828 295 11 504 839 Property and equipment 266 536 244 234 290 053 822 430 842 933 Intangible assets 155 062 160 793 193 310 248 249 262 159 Assets and disposal groups held for sale 18 011 18 000 0 1 136 1 136 Other assets 456 853 581 258 1 043 222 830 111 941 071 incl.: deferred tax assets 330 680 352 437 286 510 575 989 578 437 T o t a l a s s e t s 12 354 468 11 887 855 12 781 928 58 773 066 58 340 229 L i a b i l i t i e s Sept. June As at 31 Dec. Sept. ** June ** Amounts owed to banks 427 890 1 335 243 3 501 417 5 257 444 5 077 695 Amounts owed to customers 8 079 104 6 756 593 5 648 994 41 177 564 41 790 716 Liabilities evidenced by certificates 762 371 684 364 576 302 2 546 177 2 098 277 Provisions 290 631 334 853 240 647 577 282 593 355 incl. deferred tax liability 239 915 283 532 202 358 452 087 467 719 Trading liabilities 718 923 816 842 868 826 1 300 464 1 257 672 Hedging derivates 10 799 37 953 9 328 82 017 110 099 Other liabilities 509 349 428 914 515 280 1 155 270 1 168 209 Shareholders' equity 1 555 401 1 493 093 1 421 134 6 676 848 6 244 206 T o t a l e q u i t y a n d l i a b i l i t i e s 12 354 468 11 887 855 12 781 928 58 773 066 58 340 229 Capital adequacy ratio * 13.20 12.83 13.46 11.64 12.29 Book value (in PLN) 1 555 401 000 1 493 093 000 1 421 134 000 6 676 848 000 6 244 206 000 Number of shares 28 716 230 28 716 230 28 716 230 28 716 230 28 716 230 Book value per share (in PLN) 54.16 51.99 49.49 232.51 217.45 Diluted number of shares 28 716 230 28 716 230 28 716 230 28 716 230 28 716 230 Diluted book value per share (in PLN) 54.16 51.99 49.49 232.51 217.45 *Capital Adequacy ratio disclosed in Bank BPH Solo Financial Statements and in the Second Quarter Financial Statements changed as calculation method was made more precise. **Balance-sheet data as of 30 June and 30 September are reported for the Bank before the spin off. Bank BPH Group Financial Report 3Q 24/26

STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY OF BANK BPH SA Opening balance of shareholders' equity on 1 January SHARE CAPITAL OTHER CAPITAL REVALUATIO N RESERVE RETAINED PROFITS TOTAL 143 581 1 071 972-11 020 216 601 1 421 134 Charge for supplementary capital 0 157 0-157 0 Charge for reserve capital 0 108 345 0-108 345 0 General risk fund charge 0 12 917 0-12 917 0 Reclasification due to Bank BPH s spin-off Increases due to revaluation of securities available for sale (net of tax) Net income of hedging derivatives (net of tax) 0-99 600 0 99 600 0 0 0 1 447 0 1 447 0 0 10 624 0 10 624 Net income 0 0 0 122 196 122 196 BALANCE on 30 September 143 581 1 093 791 1 051 316 978 1 555 401 Opening balance of shareholders' equity on 1 January SHARE CAPITAL OTHER CAPITAL REVALUATIO N RESERVE RETAINED PROFITS TOTAL 143 581 4 861 719 305 157 1 426 855 6 737 312 Payment of 2006 dividend 0 0 0-1 039 528-1 039 528 Charge for reserve capital 0 45 277 0-45 277 0 General risk fund charge 0 157 284 0-157 284 0 Increases due to revaluation of securities available for sale (net of tax) Net income on sale of securities available for sale Net income of hedging derivatives (net of tax) 0 0 4 940 0 4 940 0 0-144 990 0-144 990 0 0-184 368 0-184 368 Divestment of fixed assets 0 0-502 502 0 Other increases/decreases 0-545 0-393 -938 Change after Bank BPH S.A. spin-off 0-3 991 763 8 743-1 474 837-5 457 857 Net income from continued and discontinued operations 0 0 0 1 506 563 1 506 563 BALANCE on 31 December 143 581 1 071 972-11 020 216 601 1 421 134 Opening balance of shareholders' equity on 1 January SHARE CAPITAL OTHER CAPITAL REVALUATIO N RESERVE RETAINED PROFITS TOTAL 143 581 4 861 719 305 157 1 426 855 6 737 312 Payment of 2006 dividend 0 0 0-1 039 528-1 039 528 Charge for reserve capital 0 45 277 0-45 277 0 General risk fund charge 0 157 284 0-157 284 0 Decreases due to revaluation of securities available for sale (net of tax) Net income on sale of securities available for sale Net income of hedging derivatives (net of tax) 0 0-134 678 0-134 678 0 0-296 0-296 0 0-137 712 0-137 712 Divestment of fixed assets 0 0-109 109 0 Other increases/decreases 0-545 0 0-545 Net income income from continued and discontinued operations 0 0 0 1 252 295 1 252 295 BALANCE on 30 September 143 581 5 063 735 32 362 1 437 170 6 676 848 Bank BPH Group Financial Report 3Q 25/26