Investor Presentaiton

Well diversified and stable balance sheet Structure of Assets (PLN M) Structure of Liabilities (PLN M) Amounts due from banks 13,123 213 950 Fixed 5% Securities Derivatives Public sector loans' (7%) 124=118: Mortgage loans 7,564 (58%) CRE/RRE loans 3,900 (30%) Float 94% Other assets 254 (2% 2020 H1 .Zero 2% Source: Based on mBank Hipoteczny IFRS Financial Statement as of 2020 H1. m Fixed 31% 13,123 592 (5%) Notes PLN 74% PLN 67% 8,055 (61%) Covered Bonds EUR EUR 26% 33% Float 59% 2,951 (22%) Amounts due to other banks 236 (2%) Other liabilities and provisions Zero 10% 1,284 (10%) Total Equity 2020 H1 mBank Hipoteczny Covered bonds Cover Pool Polish Economy Real Estate 23 Market Legislation

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