Investor Presentation - Q2 2021

Summary of financial results: Balance Sheet PLN million Total assets Q2 2020 Q1 2021 Q2 2021 A QOQ ΔΥΟΥ 182,396 194,217 198,471 +2.2% +8.8% Gross loans to customers 111,818 116,925 119,949 +2.6% +7.3% Individual client loans 62,730 67,785 70,093 +3.4% +11.7% Corporate client loans 48,734 48,901 49,635 +1.5% +1.8% Customer deposits 139,623 152,097 156,584 +2.9% +12.1% Individual client deposits 89,777 103,583 106,700 +3.0% +18.8% Corporate client deposits¹ 48,362 47,711 48,876 +2.4% +1.1% Total equity 16,913 16,749 16,694 -0.3% -1.3% Loan-to-deposit ratio 77.5% 74.5% 74.2% -0.3pp -3.3pp NPL ratio 4.9% 4.6% 4.4% -0.2pp -0.5pp Coverage ratio 58.8% 58.5% 58.3% -0.2pp -0.5pp Tier 1 Capital Ratio 16.4% 16.6% 15.2% -1.4pp -1.2pp Total Capital Ratio 19.3% 19.2% 17.6% -1.6pp -1.7pp Excluding repo/sell-buy-back transactions Note: Balance sheet data for Q1/20-Q4/20 restated due to the presentational change related to CHF mortgage loans. Investor Presentation - Q2 2021 13

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