BNP Paribas Bank Polska S.A. Group strategy for 2026-2030

current report no. 38/2025

date: 10 December 2025

The Management Board of BNP Paribas Bank Polska S.A. ("Bank") herebyannounces that on 10 December 2025, the Supervisory Board of the Bankapproved the BNP Paribas Bank Polska S.A. Group ("Group") strategy for2026-2030 "Accelerate 2030" ("Strategy").

The Strategy focuses on profitable accelerated growth and efficiencyimprovement of the Group with intention to be a trusted companion,addressing local needs and bringing global opportunities.

The most important ambitions of the Group for the next 5 years areexpansion of the business (increase in number of Clients served andmarket share of loans and deposits), while maintaining a prudent riskapproach and high focus on profitability as well as streamlining the waywe work by further digitalization and strong cost discipline.

The Strategy is based on 3 main pillars:

- Expand - significantly increase Client base, especially daily banking,volumes and cross-selling. Integrating Customer experience mindset inall we do.

- Streamline - build on efficiency improvement track record to decreasecost to serve, taking advantage of technology gains.

- Impact - do what matters: drive positive change at national level, byleading sustainable transformation among our Clients.

The new Strategy addresses the opportunities and challenges facing thebanking industry in all fields of our activity. The Strategy defines thefollowing priorities:

- scale up above 5% market share in current accounts together withincrease in Retail Customer base by 1 million Clients net by:

- radically improve value proposition _ brand recognition for segmentswith highest potential: mainly Gen-Z (age 18-30) _ families,

- build Customer relations and drive profitability through deposits andcross-selling,

- expand leading Affluent _ Private Banking franchise,

- strengthen leading position in Corporate Banking and gain 10% marketshare in corporate loans by leveraging BNP Paribas corporate DNA through:

- continue scaling our MNC franchise,

- unlock the full potential of Polish corporates through deployment ofBNP Paribas Group solutions,

- maintain a stable and efficient SME franchise,

- increase efficiency through investments:

- mobile 1st distribution model with optimized role of branch network inRetail,

- operational excellence for best-in-class service model in Corporate _SME,

- efficiency driven by AI,

- uninterrupted service, secure _ scalable foundations of Core Tech toachieve the Bank's goals,

- optimize jaws effect (a difference between NBI and costs growth on y/ybasis) and net cost savings while investing,

- reinforce leading position in sustainable financing by:

- finance a wide range of investments in decarbonization in anindustrialized way,

- support and finance changes in the agriculture and all relatedeconomic sectors.

The Strategy defines the key following strategic financial goals andambitions:

- growth in loan portfolio of +7% 2024-2030 CAGR with both businesssegments contributing equally,

- growth in revenues of +6% 2024-2030 CAGR,

- cost trajectory of +4% 2024-2030 CAGR,

- C/I <38% in 2030,

- cost of risk of ~40 bps on average in 2026-2030,

- Tier 1: 2 p.p. above the regulatory requirement over the entirestrategic horizon,

- ROTE 22% in 2030,

- dividend payout at 75% in 2030.

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

Disclaimer

- This material is not for disclosure nor distribution, to and withincountries where such publication and/or dissemination may be prohibitedunder applicable laws or regulations.

- This material has been prepared by BNP Paribas Bank Polska S.A. (the"Bank") and it does not constitute an offer or solicitation of an offerto purchase or acquire securities issued by the Bank and it does notconstitute any advice or recommendation with regard to those securities.Neither part of this material nor the fact of its distribution under nocircumstances shall form the basis for or be referred to in case of anyagreement, obligation or decision to invest in securities.

- This material includes forward-looking statements. Theseforward-looking statements are based on current knowledge and opinionsof the Bank's Management Board and involve a number of known and unknownrisks, uncertainties and other factors that may cause the actualresults, performance or achievements of the Bank to be materiallydifferent from information contained herein. The Bank neither does norshall undertake any obligation to update and/or disclose to the publicany revisions to any forward-looking statements contained herein.

- This material is not a forecast or estimation of future results.Accordingly, possible changes of the Bank's strategy or intentions,caused by unforeseen circumstances, affecting the Bank's strategy orintentions, shall not be subject to disclosure under the procedurestipulated for disclosure of forecast or estimation of future results.Neither the Bank nor any of its representatives, subsidiaries or parententities shall be held accountable for any damage resulting from the useof the material or a part thereof, or its contents or in any othermanner in connection with this material.

- Certain information contained in this material are derived frompublicly available sources which the Bank believes are reliable, but theBank does not make any representation as to their accuracy orcompleteness. Information contained in this material is subject to, andmust be read in conjunction with, all other publicly availableinformation, including, where relevant any fuller disclosure documentpublished by the Bank. Information contained in this material has notbeen independently verified and is, in any case, subject to changes andmodifications.

- The material includes financial information or indicators that werenot subject of an audit, a review or any other evaluation by anyexternal auditor.

Legal basis

Article 17 (1) of the Market Abuse Regulation (MAR)