Investor Presentaiton

Investment Highlights mBank Group & mBank Hipoteczny mBank Group - 5th largest banking group in Poland in terms of assets. Well capitalized & liquid universal bank, recognized domestically and internationally as a mobile banking icon mBank Hipoteczny - longest (23 years) track record of covered bond issuance in the Polish capital market with the equivalent of ca. EUR 1.3 bn of covered bonds already outstanding placed on local and international market Mortgage covered bonds - rated Aal by Moody's Investors Service: equal to the Polish sovereign rating & 6 notches above the issuer rating Covered bonds as a part of mBank Group Green Bonds Framework – refinancing tool for green residential mortgages Polish economy & real estate market The inflationary turmoil in Poland is increasingly turning into stagflation The real estate market in Poland experienced a sharp decline in the last year Strong covered bond legal framework updated in July 2022 with the implementation of the Covered Bonds Directive into Polish law Growing covered bond market, offering European investors diversification and access to attractive exposures Covered Bonds Investor Presentation 2

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