Investor Presentation - Q2 2021

Summary of key financial highlights Total income PLN M Cost/Income ratio¹ +2.7% 2,904 2,982 42.2% -2.6pp 39.6% Net profit of Core Business² ROE of Core Business² PLN M +96% 735.6 +5.1pp 10.7% 374.8 5.6% HT 2020 H1 2021 HT 2020 H1 2021 HT 2020 H1 2021 HT 2020 H1 2021 Gross loans to customers NPL ratio PLN B +7.3% -0.5pp 119.9 4.9% 111.8 4.4% HT 2020 H1 2021 HT 2020 H1 2021 Customer deposits Tier 1 capital ratio PLN B +12.1% -1.2pp 156.6 16.4% 139.6 15.2% H1 2020 H1 2021 1 Normalized indicator, including 1/2 of contribution to the Resolution Fund booked in the first quarter of the year; 2 Defined as mBank Group excluding FX Mortgage Loans segment Investor Presentation - Q2 2021 H1 2020 H1 2021 11

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