Investor Presentaiton

20 20 COVID-19 impact on mBank Hipoteczny operations In the context of the crisis triggered by the COVID-19 pandemic, a range of assistance tools was introduced to help customers maintain their liquidity. They are consistent with the guidelines of EBA and were notified by the Polish Financial Supervision Authority. CRE Retail banking CRE Retail banking m Not statutory tools . • • Unchanged rules for qualifying borrowers for Forborne status 7 borrowers were granted Forborne status with total exposure 84.35 m PLN For instruments granted between 13 March and 30 September Exposures in the 31+ DPD delay bands, on which the Bank agreed to grant aid, will be cassified as Forbone customers can apply for a deferral of capital or capital and interest payments of a part of instalments, for a period of up to 6 months Anti-crisis shield 4.0 (statutory tool) corporate clients can suspend the repayment of the capital part of instalments for a maximum period of 6 months • possibility to suspend the repayment of entire capital and interest instalments for up to 3 months for medium-sized companies • suspension for up to 3 months the loan repayment without charging interest during the suspension period for customers who lost main source of income after 13 March mGroup Share od Cover Pool assets affected by payment holidays 2485 24.5 % 2515 9.4% Nominal (m PLN) Nominal as a % of Cover Pool Number of Loans No. of Loans as a % of Cover Pool Types of granted payment holiday as % of Cover Pool 0,28% 4 to 6 months principal deferred Covered bonds Cover Pool Polish Economy 0,10% over 6 months principal & interest deferred Real Estate Market Legislation

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