Retail Banking Financial Update

RETAIL BANKING MULTICHANNEL PERFORMANCE* • NUMBER OF TRANSACTIONS MILLIONS Share of digital transactions 93.5% 94.2% 96.0% 95.1% 96.1% 52.5 51.9 51.9 3.4 46.8 2.5 2.0 8.7 2.7 8.5 8.2 7.4 35.8 1.4 6.1 21.0 22.5 27.4 22.9 13.8 c.760k mBank/iBank active users** +33.6% y-o-y +6.4% 9-0-9 3,020 Express Pay terminals -6.1% y-o-y -3.5% q-0-9 ● 960 ATMs +2.9% y-o-y +1.4% q-o-q 206 Branches -22.8% y-o-y Flat q-o-q • Transactions breakdown by channel | 4Q20 ■mBank/iBank 4% 20.6 18.3 12.8 13.6 14.3 16% Express pay terminals ATMs 4Q19 1Q20 2Q20 3Q20 4Q20 96.1% share of digital transactions 40% Other ■IBank/mBank Express Pay terminals ATMs Branches Other 40% Branches * Information on this slide depicts the usage of channels by individual customers ** The users that log-in in internet and mobile bank at least once in three months 16 +15.2% YoY -11.8% YoY Continuous migration of customers activity to mBank and iBank from Express pay terminals

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