Investor Presentaiton

Cover Pool - regional distribution Geographical distribution negatively correlated with unemployment- strong client base portfolio % of mBH's Mortgage Cover Pool > 20% 10.0 -19.9% 5.0-9.9% 1.0 - 4.9% <1% Pomorskie 9.5% Warmińsko- Zachodnio- pomorskie Mazurskie 1.2% 3.7% Podlaskie 2.8% Kujawsko- pomorskie 2.4% Mazowieckie 35.5% Lubuskie Wielkopolskie 0.9% 8.5% Łódzkie 3.8% Dolnośląskie 13.8% Lubelskie 1.7% Opolskie 0.6% Świętokrzyskie Śląskie 3.5% 0.4% Małopolskie 11.2% Podkarpackie 0.5% Covered Bonds Investor Presentation Geographical CRE/RRE regional distribution vs existing office stock by the cities - positive correlation % of CRE/RRE regional distribution in Mortgage Cover Pool > 20% 10.0 -19.9% 5.0-9.9% 1.0-4.9% <1% Pomorskie 5.7% Zachodnio- pomorskie 2.5% Warmińsko- mazurskie 1.3% Kujawsko- pomorskie 0.5% Podlaskie 1.1% Lubuskie 0.2% Wielkopolskie 4.3% Mazowieckie 32.1% Łódzkie 1.9% Dolnośląskie 17.7% Lubelskie 3.5% Opolskie 1.7% Śląskie 6.9% Świętokrzyskie 0.0% Podkarpackie 4.3% Małopolskie 16.5% 35 45

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