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Increasing share of mBank/iBank transactions* NUMBER OF TRANSACTIONS MILLIONS Offloading rate 95.9% 96.2% 96.5% 96.0% +36.0% 69.6 2.8 61.7 57.7 10.2 2.2 2.2 9.7 48.3 9.1 2.0 -5.6% 96.6% 65.7 2.2 9.0 21.1 30.3% 19.1 29.0% 7.3 19.6 31.7% 20.1 34.7% 16.8 34.7% 35.4 50.9% 35.3 53.7% 30.2 48.9% 26.3 45.6% 45.9% 22.2 3,122 Express Pay terminals -0.1% y-o-y -0.4% 9-0-9 211 Branches** Flat y-o-y Flat q-o-q 892k mBank/iBank MAU*** +22.7% y-o-y +4.6% 9-0-9 1Q21 2Q21 3Q21 4Q21 iBank/mBank Express Pay terminals ATMs Branches Other Information on this slide depicts the use of channels by individuals. 1Q22 ** Includes representative offices of the Wealth Management business, which was reclassified from Corporate and Investment Banking to Retail Banking in 3Q21. ***Monthly active user - at least one login within the past month. 990 ATMs +2.8% y-o-y +0.1% q-o-q 15

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