Investor Presentaiton

Well diversified and stable balance sheet Structure of Assets (PLN mn) 2% Fixed rate in 2021 H1 13,155 Securities Derivatives 753 65 Structure of Liabilities (PLN mn) 13,155 96 Notes Fixed 9% EUR 13% EUR 30% Fixed 26% Mortgage loans 9,726 Float 89% PLN 87% Float 64% PLN 70% 7,342 Covered Bonds 4,371 Amounts due to other banks Public sector loans 60 CRE/RRE loans 2,204 Amounts due from banks Other assets 193. 154 .Zero... USD Zero 10% Total Equity 1,194 Other liabilities and provisions 152 2% 0% 2022 HI 2022 H Covered Bonds Investor Presentation 21

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