Empowering culture of Innovation

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2 Empowering culture of Innovation Creating next best moments for our customers.

3 The last best experience anyone has anywhere becomes the minimum expectation for the experience they want everywhere.

4 The last best experience anyone has anywhere becomes the minimum expectation for the experience they want everywhere. Maciej Jakubowski Head of Design at Alior Bank Proud to be here. Very nervous at the same time. I speak too fast.

5 Financial sector in Poland used the momentum of transformation to quickly become one of the most innovative in Europe.

6 Alior Bank is the fastest growing polish universal bank. November 2008 Our IT department works from a small attic in a flat in Kraków June 2012 We create the first internet-only bank in Poland Alior Sync which receives multiple awards for innovativeness. December 2012 We account for the largest IPO debut of a privately-held company in the WSE, valued at PLN 2.1 billion. Our beginnings in 2008: Alior s CEO, Wojciech Sobieraj with the team in our first headquarters. Alior Bank started its operations in Now we account for: 3 million Customers 4th largest distribution network in Poland One of the most competitive and innovative offerings March 2014 Alior s shares are traded on the WIG20 index (twenty largest companies on the WSE). October 2015 Completed one of the fastest and most efficient mergers in the polish banking sector November 2015 Alior ilab is created with the quest for true innovation.

7 A l i o r I n n o v a t i o n L a b Developing empathy and deep understanding of clients and their contexts are key to distinguish innovation versus invention.

8 Understand People Bankers who face the clients every day Beauty consultants who are advocates of my company Clients who don t want to use our internet banking Employees who want to be more valuable Managers who seek for more time Children who are afraid of hospitals and doctors Mothers who feel alone Passenger who expect a seamless travel More.

9 Understand People Challenge I'd like my company to be the natural choice for someone who after living 7 years abroad comes back and wants to set up their company in Poland I want my employees or sellers to feel here like at home Premium clients at my bank always indicate that their banking experience is exceptional When my plane is late I hardly ever get home on time How to make precise MRI for a 5 year old boy

10 Understand People Challenge Research Habits Context Behaviours Preferences Dependencies Needs and wants We simply wear their hats and shoes for some time.

11 Understand People Challenge Research Prototype Build quick prototypes Apply them and test Make thousands of mistakes Observe and learn Expose it to challenges Build better prototypes Never stop exploring

12 Understand People Always doubt that you ve done all Put your design in the real context again Challenge Research Prototype Ask people whom you design for to work through what you ve prepared Watch and learn again Put experience over pragmatism Playback

13 A l i o r I n n o v a t i o n L a b Design Thinking changed our habits, ways of thinking, collaboration and acceptance of failure to be faster and smarter.

14 C We champion creativity, we love our work and we do it every day with heart, sincerity and humour.

15 We champion creativity, we love our work and we do it every day with heart, sincerity and humour. ALIOR INNOVATION LAB (AiLab) Independent We report directly to CEO Our own budget Flexible work methods Constant change is a new constant - we are AGILE.

16 A l i o r I n n o v a t i o n L a b We wanted to design the new premium branch offices and we ended up giving bankers tools to meet their clients outside the bank.

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18 Trusted Advice Reduces the time needed to prepare for client conversations. Empowers advisors to have targeted discussions. Translates how current events could affect their client s investments and goals.

19 Business Business value (expectations) Technology Functional elements (satisfaction) Design Emotional elements (loyalty)

20 Thank you.