Investor Presentation - Q2 2021

Appendix: Selected Financial Data mBank Group's Ratios - quarterly and cumulatively Financial Ratios Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Net Interest Margin, quarterly 2.35% 2.16% 2.21% 2.10% 2.04% Net Interest Margin, YtD 2.49% 2.37% 2.33% 2.10% 2.07% Net Interest Margin, excl. CHF portfolio, YtD 2.65% 2.52% 2.47% 2.20% 2.16% Cost/Income Ratio, quarterly 38.9% 40.2% 34.6% 43.2% 40.2% Cost/Income Ratio, YtD 45.0% 43.4% 41.1% 43.2% 41.8% Cost of Risk, quarterly 1.29% 0.99% 0.97% 0.59% 0.80% Cost of Risk, YtD 1.41% 1.27% 1.19% 0.59% 0.70% Return on Equity, ROE net, quarterly 2.07% 2.35% -4.09% 7.69% 2.60% Return on Equity, ROE net, YtD 2.15% 2.22% 0.62% 7.69% 5.12% Return on Assets, ROA net, quarterly 0.20% 0.22% -0.38% 0.68% 0.22% Return on Assets, ROA net, YtD 0.21% 0.21% 0.06% 0.68% 0.44% Loan-to-Deposit Ratio 77.5% 77.2% 78.8% 74.5% 74.2% Total Capital Ratio 19.26% 19.53% 19.86% 19.19% 17.55% Tier 1 Capital Ratio Leverage ratio Equity / Assets 16.43% 16.74% 16.99% 16.62% 15.18% 7.5% 7.7% 7.8% 7.4% 7.0% 9.3% 9.4% 9.3% 8.6% 8.4% TREA / Assets 48.0% 49.2% 49.5% 47.5% 49.2% NPL ratio 4.9% 4.8% 4.8% 4.6% 4.4% NPL coverage ratio 58.8% 60.7% 58.3% 58.5% 58.3% NPL coverage ratio incl. stage 1&2 provisions 71.7% 75.0% 72.9% 73.7% 75.8% Investor Presentation - Q2 2021 32

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