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Investor Presentaiton

Debt securities issued Debt financial instruments by type (nominal value, PLN M) CAGR +8.7% Debt financial instruments by currency (nominal value, PLN M) 8,740 515 7,801 300 8,523 469 5.5% 7,020 501 330 6,116 768 80 94.5% 80 8,740 8,523 48.6% 7,801 7,020 6,116 4,165 3,126 4,140 2,104 2,033 Short-term notes 8,225 8,055 7,171 Long-term notes EUR PLN 6,439 Mortgage CB 5,268 (public + private offer) 4,916 4,675 4,575 4,083 4,384 51.4% 2016 2017 2018 2019 2020 H1 Maturity of debt financial instruments by type (nominal value, PLN M) EUR Mortgage Covered Bonds - PLN PLN - Mortgage Covered Bonds notes 1.450 1.000 2016 2017 2018 2019 2020 H1 2.729 555 500 536 310 200 233 134 100 100 60 111 2020 2021 2022 2023 2024 2025 Source: IFRS Financial Statements of mBank Hipoteczny; EUR/PLN NBP rate m 214 193 100 2026 2028 2029 mBank Hipoteczny Covered bonds Cover Pool Polish Economy Real Estate Market 24 Legislation
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