Investor Presentation - Q2 2021

Results of mBank Group: New lending business Accelerating sales of housing loans, accompanied by strong rebound of consumer lending Sales of mortgage loans PLN M, by quarter Sales of non-mortgage loans PLN M, by quarter +103% +20% +116% +19% 3,424 2,574 2,950 2,855 2,157 366 1,097 1,828 2,124 1,716 272 977 997 588 1,684 90 676 -44 63 1,190 271. 250 752 498 414 462 -59- -42- 248 1,928 1,212 1,407 1,795 2,237 386 1,620 1,059 1,004 1,133 555 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Individuals Entrepreneurs mBank CZSK Individuals Entrepreneurs mBank CZSK Sales of corporate loans¹ PLN M, by quarter New leasing contracts PLN M, by quarter -12% +91% +10% 9,703 +18% Κι 1,710 7,954 8,279 1,540 1,547 1,556 2,780 7,013 K2 2,030 2,084 5,948 1,582 K3 896 1,557 5,141 5,424 6,160 3,666 4,583 -782 Q2/20 770 Q3/20 763 Q4/20 725 Q1/21 848 Q2/21 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Including new sale, rising and renewal 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. Investor Presentation - Q2 2021 18

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