Investor Presentaiton

mBank Group support for clients amid COVID-19 pandemic Solutions and offer for microfirms and corporate clients The PFR financial shield Aid package for enterprises Starting from 29.04.2020, Polish enterprises employing from 1 to 249 people can submit applications for funds from the PFR Financial Shield assistance program through mBank's transactional systems. Till 30.06.2020, 37,790 of mBank's clients received PLN 5.52 billion of subsidies from the Polish Development Fund, out of PLN 54.80 billion transferred in total to microfirms and SMEs. Loan moratorium For large corporations, mBank Group has offered a suspension of the capital part of their instalments for a period of maximum 6 months, with the option of extending the loan period by the duration of the moratorium. As of 30.06.2020, loan moratoria granted to the Group's corporate customers (including leasing) amounted to PLN 9.55 billion, of which PLN 8.95 billion was active. SME comprised a half of this volume. Guarantees provided by the BGK Under the governmental aid package for the firms, mBank provides liquidity loans to micro-, small- and medium-sized enterprises combined with the de minimis guarantee from Bank Gospodarstwa Krajowego (BGK). In H1 2020, mBank granted PLN 127 million of new financing covered by the public guarantee programs (BGK) aimed at stabili- zing the liquidity situation of corporates amid COVID-19 pandemic. Remote onboarding of corporate clients Support in e-transformation of the business EKSKLUZYWNAK MOKA EXPRESS 6 BIALETT mBank P VISA DOLL New digital solutions Fully digital process includes opening of a bank account and obtaining an access to the advanced transactional system mBank CompanyNet. ■ All the necessary documents are signed with the use of the qualified electronic signature by both sides ■ No printouts and in-person contact ■ On each stage of the process clients are supported by an advisor via e-mail or telephone mBank facilitates convenient opening of an e-shop for its corporate clients, providing a set of tools helping to start doing business online. Building and hosting of an e-shop on popular platforms RedCart or Shoplo ■ A free fastest online payment platform Paynow, designed for e-commerce Automatic tools supporting sales and client retention prepared by Samito A solution for sales in the social media, offered by 1koszyk m mGroup Covered bonds Cover Pool Polish Economy Real Estate Market 7 Legislation

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