Investor Presentaiton

m - Cover Pool highlights Strong overcollateralisation mBH strategy for the following years is to be EUR issuer. Covered by significant increase of residential PLN denominated mortgages. Which results in the necessity of hedge ccy risk by covered bond swap. EUR PLN N6 Cover pool receivables + substitute assets 10,309 M PLN 2020-06-30 - HTT report Covered bonds outstanding all issues 8,055 M PLN Overcollateralisation Actual, non-committed. ос after the sub- benchmark size issue 28.0% Regulatory minimum at 10% 19.0 22.0% 5 255 7 571 1 340 2 712 2 800 Covered bond swap characteristics: . Swap to be included into the cover pool, Swap surviving the issuer default, Swap counterparty meets all Moody's criteria for Aa3 + 3 notches leeway rating. Well diversified mixed high-quality cover pool Moody's Rating,,Aa3" 0% NPL 65.81% Residential ML WA LEMLV - 76.0% Number of loans 26,538 100% Poland located properties 100% Floating rate type Average size 0.25 m PLN 34.19% CRE loans WA LtMLV - 68.1% Number of loans 257 Average size 13.50 m PLN The best market transparency standards mBH disclosures are compliant with the ECBC Covered Bond Label Convention - Harmonised Transparency Template (HTT) and are being published via: https://www.mhipoteczny.pl/en/investor-relations/cover-pool- information/ COVERED BOND LABEL- HTT mGroup Covered bonds Cover Pool Polish Economy Real Estate Market Legislation 33

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