Investor Presentaiton

Cover Pool - loans value LtV - residential mortgages and commercial loans in cover pool (%) Residential mortgages Commercial real estate 35.85 Type of commercial loans in cover pool (%) 42.9 37.0 18.47 16.37 11.80 6.59 7.09 7.19 4.75 25.54 21.80 16.46 16.08 15.0 4.5 3.1 0.6 (40%, 50%] (50%, 60%] (60%, 70%] (70%, 80%] (80%, 90%] (90%, 100%] Shopping malls Office Retail Other Warehouse Hotel Average residential mortgage size (PLN k) ≤250 34.6% (250; 500] (500; 1,000] 51.2% (1,000; 5,000] 1.3% 13.0% Covered Bonds Investor Presentation Average commercial loans size (PLN k) 22.2% ≤10,000 7.8% 10.0% (5,000; 10,000] (10,000; 15,000] 18.9% (15,000; 20,000] (20,000; 30,000] (30,000; 40,000] 11.6% 29.4% 34

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