Investor Presentaiton

Results of mBank Group: Loan loss provisions and cost of risk Net impairment losses and fair value change on loans (PLN mn) mBank Group's cost of risk, by segment (bps) 98 -15% 289.8 0.5 -27% 268.5 0.8 89 80 76 69 89 70 76 76 66 62 139 228.4 0.2 83.2 195.7 165.3 195.0 3.7 0.8 102 100.5 €9.9 74.6 77.2 85 76 2.8 67 70 69 669 65 7.0 64 61 174.6 124.8 122.7 129.7 109.9 Q2/21 Retail Banking: -5.3 Q3/21 -5.6. Q4/21 at amortized cost Corporate & Investment Banking: Q1/22 Q2/22 Q2/21 Q3/21 Q4/21 at fair value at amortized cost at fair value mBank Group's cost of risk: Retail loan portfolio quarterly Corporate loan portfolio Q1/22 Q2/22 YtD Covered Bonds Investor Presentation 10

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