Investor Presentation - Q2 2021

Results of mBank Group: Total income Solid core revenues driven by gradually recovering net interest income and high fee result Development of mBank Group's total income PLN M -1.8% -6.2% Development of interest income PLN M Sale of bonds: Q4/20 -14.5% Q1/21 92.7 89.4 +1.5% 1,552.3 1,538.8 1,210.6 272.0 1,469.5 26.1 42.3 1,442.8 259.6 63.2 A QOQ ΔΥΟΥ 1,079.5 1,063.2 1,019.4 1,035.2 258.0 230.9 214.6 1,410.7 148.9 87.1 43.6 39.5 58.2 14.1 938.6 21.7 819.9 805.3 788.5 820.5 362.9 373.2 409.5 468.1 452.6 -31.0% +10.2% Q2/20 from loans Q3/20 Q4/20 Q1/21 Q2/21 from non-loan interest assets -3.3% +24.7% 1,006.6 960.3 976.9 946.9 961.5 +1.5% -4.5% Development of fee and commission income PLN M +20.7% +0.1% 611.1 535.5 553.5 206.4 Q2/20 |-2.7| Q3/20 -25.3 -26.5 -29.0 173.5 186.2 645.9 646.3 199.6 71.7 217.8 56.8 54.3 54.6 74.5 Q4/20 Q1/21 Q2/21 84.1 97.0 105.5 158.4 123.8 111.9 101.4 102.3 92.1 115.7 Net interest income Net trading income 111.8 114.4 122.5 124.1 132.2 Net fee and commission income Net other operating income Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Dividend income, Gains less losses from financial assets and liabilities lending cards accounts+transfers brokerage Investor Presentation - Q2 2021 20

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