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Investor Presentaiton

mBank Hipoteczny on International Covered Bond Market General Programme Terms and Conditions Security Type Issue Type Distribution PLN and EUR mortgage loans Soft Bullet / Conditional Pass-Through Private public placement 26 April 2018 - inaugural covered bond sub-benchmark transaction with a EUR 300 mn ■ ☐ 12 November 2019 - successfully returned to the syndicated covered market again with a EUR 300 mn 7 years tenor Fixed (1.073%) MS + 42bps pricing implies new issue premium 2.7 oversubscribed book 60 real money investors participating 5 years tenor Fixed (0.242%) MS + 43bps pricing implies new issue concession 3.4 oversubscribed book 70 real money investors participating Interest rate Currency Coupon Fixed / Floating Multi currency Annual, Act/Act ICMA Maturity Up to 30 years Programme size Up to EUR 3.0 bn Rating Aa2 (Moody's Investors Service) Commission de Surveillance du Secteur Base Prospectus approval Financier, Luxembourg (CSSF) Investors Clearing Listing Listing Agent Fiscal & Paying Agent Governing law Financial Institutions Euroclear / Clearstream Luxembourg Stock Exchange Deutsche Bank Luxembourg S.A. Deutsche Bank Aktiengesellschaft Polish Law Covered Bonds Investor Presentation Allocation by Region (all issues) Allocation by Investor Type (all issues) Govt/Agencies Others 8.0% Pension Funds 0.5% 12.0% CEE France/BeNeLux 6.0% 2.0% Switzerland 4.0% 3.0% Austria 12.0% 54.0% Germany 52.5% Banks 27.0% Asset Manager 19.0% Nordics 25
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