Investor Presentation - Q2 2021

Appendix: Retail Banking Development of gross loans to retail banking clients PLN M Development of deposits from retail banking clients PLN M +11.7% +18.8% +3.4% 70,093 67,785 65,952 64,404 62,730 +3.0% 106,700 19,946 28% 19,001 18,729 30% 18,473 18,989 89,777 149 14% 12,925 92,303 116 97,976 114 103,583 185 201 8,827 8% 9,358 10,158 10,782 -2,509 4% [2,538. 2,557 5,859 −2,527. 6,735 2,513 4% 7,456 11% 41,117 39% 40,598 38,241 7% 4,355 4,862 37,040 40% 35,706 25% 15,918 15,459 14,802 14,660 13,761 19% 53,441 56,555 53% 49,463 34% 21,427 22,556 24,053 24,863 26,417 38% 46% 40,997 44,366 06/20 09/20 12/20 03/21 PLN mortgage loans to individuals FX mortgage loans to individuals Mortgage loans granted in CZSK 06/21 Mortgage loans to microfirms Non-mortgage loans 06/20 09/20 12/20 03/21 06/21 Current accounts Saving accounts Term deposits Other Note: Currency and geographical breakdown based on management information. Data for 2020 restated due to the presentational change related to CHF mortgage loans. Investor Presentation - Q2 2021 40 40

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