Investor Presentation - Q2 2021

Focus on sustainable and responsible banking External ESG assessment 15.9 ESG Risk Rating low risk by Sustainalytics as of 19.04.2021 Negl. 0-10 Low Med. High Severe 10-20 20-30 30-40 40+ A MSCI ESG Rating CCC B BB BBB A AA AAA Our ESG activities are centred around 3 aspects in line with sustainable development strategy ✓ mBank educates ■ We support the develop- ment of mathematical skills and equalize educational opportunities for the young began, [email protected] ✓ mBank promotes prosperity ■ We support organisations m Fundacja that work for social welfare ✓ ■ We teach how to use online and mobile banking safely mBank the great orchestra of christmas charity We play together ■ We are accessible to clients with disabilities (inclusive banking) ■ We ensure diversity and equal opportunities Membership in ESG indices Bloomberg GEI Gender-Equality Index FTSE4Good Index Series WIG-ESG index on WSE in Poland Green Bond framework ✓ mBank cares about the climate and the environment We limit our indirect impact ■ Credit policy regarding industries relevant in the context of EU climate policy Eco-supportive products in each customer segment ■ PLN 4 billion dedicated for Renewable Energy Sources financing Customers choosing virtual cards saved nearly 250 kilograms of plastic with us in H1 2021 ! We limit our direct impact ■ Measurement and reduction of our carbon footprint ■ Waste segregation and recycling Selection of suppliers by ESG standards Investor Presentation - Q2 2021 10

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