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Investor Presentaiton

Covered Bond Market in Poland Polish Covered Bond Market by issuer- public issuances outstanding (PLN bn)- as of 2020 H1 Pekao BH 1.29 PKO BH Increasing share of EUR Polish Covered Bond issuess % 70 (5%) mBH 8.05 (30%) 60 50 40 26.54 bn PLN 30 0.40 (2%) 20 ING BH 10 16.80 (63%) 0 64.4% %EUR 0 T 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Outstanding Polish mortgage covered bonds currency split by issuer 26.54 16.80 EUR 16.93 (64%) 12.41 8.05 (74%) 4.14 PLN 9.61 (36%) (51%) 3.92 (49%). 4.14 Total Market mBH (26%). PKO BH 1.29 0.91 Pekao BH 0.38 0.40 ING BH • Starting from 2012 mBH is active in the primary market's EUR debt segment which is reflected in the currency structure of its issues, Issuer of 15-year mortgage covered bonds which are one of the longest maturity instruments issued by Polish commercial enterprises in history, mBH issued first PLN fixed rate Covered Bonds, ⚫ mBH issued biggest 1 bn PLN Covered Bond on Polish capital markets. First assimilation of Covered Bonds on Polish capital market Data based on NBP fx rate as of 30.06.2020. Data source: Press releases / Financial statements of ING Bank Hipoteczny, mBank Hipoteczny, Pekao Bank Hipoteczny, PKO Bank Hipoteczny m mGroup Covered bonds Cover Pool Polish Economy Real Estate Market 26 Legislation
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