Investor Presentation - Q2 2021

Appendix: Performance of main subsidiaries of mBank Bank Hipoteczny established in 1999 specialised mortgage bank and active issuer of covered bonds on both domestic and foreign markets Outstanding amount of covered bonds PLN M, nominal value m Leasing established in 1991 Leasing contracts PLN M offered financing in the form of leasing of cars, trucks, machinery and real estate as well as car fleet management (CFM) services Market share in 2020: 7.3% m Faktoring established in 1995 Factoring contracts PLN M offered services include domestic and export recourse and non-recourse factoring and import guarantees Market share in 2020: 8.2% -14% -5% +91% +10% +47% +12% 8,055 7,295 6,944 1,556 1,710 6,688 7,483 5,084 896 06/20 03/21 06/21 Q2/20 Q1/21 Q2/21 Q2/20 Q1/21 Q2/21 Company's profit before income tax PLN M 1.7 Q2/20 +136% -59% 10.2 Q1/21 4.1 Q2/21 Company's profit before income tax PLN M +497% +9% Company's profit before income tax PLN M +343% +223% 41.6 45.5 10.9 7.6 2.5 3.4 Q2/20 Q1/21 Q2/21 Q2/20 Q1/21 Q2/21 Source: Calculation based on data published by Polish Leasing Association (PLA) and Polish Factors Association (PFA). Investor Presentation - Q2 2021 45

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