Investor Presentation - Q2 2021

Results of mBank Group: Loan loss provisions and cost of risk Provisions for expected credit losses reflecting prudent approach amid still uncertain situation mBank Group's cost of risk, by segment Net impairment losses and fair value change on loans PLN M Impact of COVID-19: bps 141 352.2 148.0 Q1/20 Q2/20 27.3 Q3/20 76.6 Q4/20 Q1/21 88.7 -37.1 Q2/21 127 119 5.5 129 Release in Q1/21 related to positive development observed after expiration of retail loan moratoria 80 99 97 59 177.7 268.8 0.9 262.6 147 70 59 +39% 228.4 0.2 115 108.5 133.6 164.7 100.5 103 93 -2 82 8.5 11.9 7.2 69.6 2.8 € 9.5. 166.4 147.6 122.1 124.8 86.1 -0.5 Q2/20 Retail Banking: -0.2 -0.4 Q3/20 Q4/20 Q1/21 Q2/21 at amortized cost at fair value Corporate & Investment Banking: | at amortized cost at fair value Investor Presentation - Q2 2021 Q2/20 Q3/20 118 85 76 59 60 Q4/20 Q1/21 Q2/21 quarterly YtD mBank Group's cost of risk: Retail loan portfolio Corporate loan portfolio 22 222

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