2022 and 1H22 Financial Results

Increasing the share of mBank/iBank transactions* NUMBER OF TRANSACTIONS MILLIONS Offloading rate 96.2% 96.5% 96.0% 96.6% 96.5% +32.7% +16.6% 76.6 69.6 2.7 65.7 61.7 2.8 11.2 2.2 57.7 2.2 10.2 9.0 2.2 9.7 9.1 21.4 27.9% 21.1 30.3% 19.1 29.0% 19.6 31.7% 20.1 34.7% 41.3 53.9% 35.4 50.8% 53.7% 35.3 30.2 48.9% 26.3 45.6% 2Q21 3Q21 iBank/mBank Information on this slide depicts the use of channels by individual clients. 4Q21 Express pay terminals ■ ATMs 1Q22 2Q22 Branches Other 14

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