Investor Presentaiton

Agenda mBank Group mBank Hipoteczny Covered bonds 。 mBank Group overview and key performance mBank Hipoteczny role in mBank Group Strategy 。 Financial results and asset and liability structure o mBank Hipoteczny issuances track record and Polish Covered Bond Market 。 Mortgage Covered Bond Programme 。 Credit risk and other statistics Cover Pool 。 Distribution by real estate type, currency, interest rate and geographical o Polish economy fundamentals Polish Economy 。 Banking sector stability Real estate market 。 Stable and growing residential market in Poland 。 Commercial real estate and activity of residential developers m Legislation o Legal consideration of Polish Covered Bonds 3

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