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Investor Presentaiton

ESG is well embedded in mBank Group's strategy Responsibility for climate P By 2050 we will become a fully climate-neutral bank. By 2030 we will reach climate neutrality in scope 1 and 2. Our goal is to reduce own environmental footprint of mBank Group and to be a leading bank supporting energy transition of our clients by: using clean energy, developing data aggregation system for direct emissions, replacing mBank's fleet with low- emission vehicles, eliminating paper providing PLN 10 bn of funds for RES segment, granting PLN 25 bn of eco-mortgage loans in Poland, promoting ESG-compliant investment products Responsibility for being an organization in line with ESG values We walk the talk. We first accomplish and then communicate. We build corporate culture based on values and incorporate ESG into our daily life. Our goal is to introduce ESG factors into business and employee processes by: setting 10% of top managers' objectives related to ESG preserving a gender diversity in the recruitment implementing Taxonomy in processes; cooperating with partners and suppliers fulfilling ESG standards Covered Bonds Investor Presentation Responsibility for financial health of our clients We support customers in safe and convenient banking as well as making conscious financial decisions. Our goal is to take care of good financial standing and future of our clients by: developing the personal finance management (PFM) functionalities to give clients the control over their budgets and support in preparation for life events continuing educational campaigns on cybersecurity conducting responsible sale, transparently presenting the risks associated with specific financial products Responsibility for society We will contribute to social well-being. We will be a responsible corporate citizen. We will take care of our employees and their families. Our goal is to act for the financial and non-financial benefit of the society by: supporting mathematical education in Poland cooperating with the Great Orchestra of Christmas Charity (WOŚP) and being its sponsor creating a collection of paintings by young artists UN environment finance programme initiative Principles for Responsible Banking As the first Polish bank, mBank has independently signed the Principles for Responsible Banking. ESG Risk Rating by Sustainalytics 14.8 (low risk) as of 02.05.2022 MSCI ESG Rating 1 BBB as of February 2022 Bloomberg GEI Gender-Equality Index WIG-ESG index on WSE in Poland 1 please see the webpage for disclaimer statement 14
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