Investor Presentaiton

mBank Group's Strategy for 2020-2023 We will... 血 What will mBank be like in the horizon of the strategy for 2020-2023? D E ☑ continue mBank's organic growth, based on the acquisition of young clients and dynamic companies from prospective industries. accompany our clients throughout their lifecycle and development, designing our products, platforms, access channels and service model according to their needs. remain the most convenient transactional bank by providing our customers with ease and speed of use, high security standards, advanced platform, personalisation and a bonus for loyalty. build our offer and solutions based on the mobile first paradigm, increasing the share of sales and service in the digital sphere. intensify optimisation, automation and digitalisation of internal processes what will translate into savings for the organisation and enhanced operational efficiency. be systematically improving our profitability due to rising revenues, decent cost discipline and prudent approach to risk management, while more favourable balance sheet structure will result in higher margin. m mGroup Covered bonds Cover Pool Polish Economy Real Estate Market Legislation 8

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