Investor Presentation - Q2 2021

Client base and market position of retail and corporate banking Number of retail clients (thou.) Market shares - Households mBank only, without Kompakt Finanse closing of inactive 8.2% 8.9% current deposits 8.0% -206 accounts with arrears 4.9% term deposits 7.8% 7.7% -53 7.5% 7.3% 5,670 5,516 979 1,012 5,463 1,015 7.0% 6.9% 7.6% 6.7% 7.2% 7.3% 7.4% 7.5% 7.2% 7.0% 4,691 6.5% 6.6% 4,504 4,448 mortgage loans 8.0% non-mortgage loans 6.9% RETAIL BANKING 06/20 03/21 mBank PL 06/21 mBank CZSK 06/19 09/19 12/19 03/20 06/20 09/20 12/20 03/21 06/21 Loans Deposits Number of corporate clients Market shares - Enterprises +2,692 11.3% 11.2% 11.4% 11.1% 11.7% 11.3% +755 10.5% 9.9% 29,662 27,725 2,346 =2,384. 8,553 9,132 30,417 −2,347】 9,335 9.4% 8.4% 8.7% 8.6% 8.6% 8.6% 8.6% 8.5% 8.7% 8.8% 16,788 18,184 18,735 CORPORATE 06/20 03/21 06/21 06/19 09/19 12/19 03/20 06/20 09/20 12/20 03/21 06/21 BANKING Κι K2 K3 Loans Deposits Note: Corporate clients split: K1 - annual sales over PLN 1 B and non-banking financial institutions; K2 – annual sales of PLN 50 M to PLN 1 B; K3 - annual sales below 50 M and full accounting. Investor Presentation - Q2 2021 5

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