Investor Presentaiton

Client base and market position of retail and corporate banking Number of retail clients (k) mBank only, without Kompakt Finanse Market shares - Households closing of inactive 9.0% current deposits 0% accounts with arrears 5.3% term deposits 5,685 924 5,604 5,662 959 1,003 5,514 5,586 1,027 1,038 8.2% 8.3% 8.3% 7.8% 7.5% 8.2% 7.9% 7.0% 7.6% 7.4% 6.5% 7.2% 4,761 4,646 4,659 4,487 4,548 6.4% 6.4% 7.0% mortgage loans 8.8% RETAIL BANKING 6.7% 6.1% 6.5% 2018 2019 2020 2021 mBank CZSK 2022 HT mBank PL Loans non-mortgage loans 7.3% 06/18 12/18 06/19 12/19 06/20 12/20 06/21 12/21 06/22 Deposits Number of corporate clients Market shares - Enterprises +8% 11.4% 29,083 26,476 [2,193 7,520 23,706 2,319 8,211 [2,358] 8,862 32,664 31,315 [2,240] [2,272] 9,740 10,200 10.5% 9.9% 11.7% 11.7% 10.7% 9.4% 9.5% 9.0% 8.6% 8.6% 8.8% 13,993 15,946 17,863 19,303 20,224 8.4% 8.5% 8.2% 8.3% 6.5% 7.9% CORPORATE BANKING 2018 Κι 2019 2020 K2 2021 2022 HT K3 06/18 12/18 06/19 12/19 06/20 12/20 06/21 12/21 06/22 Deposits Loans Note: Corporate clients split: K1 - annual sales over PLN 1 B and non-banking financial institutions; K2 – annual sales of PLN 50 M to PLN 1 B; K3 - annual sales below 50 M and full accounting. Source: mBank Group Consolidated Financial Statements 2022 H1 Covered Bonds Investor Presentation 6

View entire presentation