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Investor Presentaiton

mBank Group's historical performance: Balance Sheet Total Assets (PLN bn) CAGR +9% +2% Equity & Total Capital Ratio (PLN mn) 20.99% 20.69% 19.46% CAGR -1% 19.86% 16.58% 16.31% -2% 199.5 204.4 178.9 145.8 158.4 14,292 15,171 16,153 16,675 13,718 13,378 131.4 2017 2018 Total Gross Loans (PLN bn) CAGR +8% 2019 2020 2021 2022H1 2017 2018 2019 2020 2021 2022H1 Total Deposits (PLN bn) +7% CAGR +12% +3% 129.9 121.2 108.2 112.2 0.1 159.9 0.6 164.0 1.9 0.2 97.8 0.4 0.2 116.7 137.7 0.5 87.4 10.6 75.8 102.0 0.9 1.3! 73.2 91.5 60.0 66.0 0.7 112.4 109.9 37.9 52.9 1.2 98.0 34.6 77.7 65.9 48.1 44.2 47.8 46.0 47.8 54.0 55.7 35.3 38.1 39.2 46.8 52.2 2017 2018 2019 2020 2021 2022H1 2017 2018 2019 2020 2021 2022H1 Public sector Individual clients Corporate clients Public sector Individual clients Corporate clients Covered Bonds Investor Presentation 11
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