Investor Presentaiton

From a specialized corporate bank to a large universal bank Brief history mBank Group's market shares in Poland 1986 Founding of Bank Rozwoju Eksportu (Export Development Bank) as a joint-stock company 1992 1994 1995 2000 2001 2007 2013 2017 2018 2020 2021 8.2% 7.6% 9.0% 7.7% 6.9% Debut on the Warsaw Stock Exchange An agreement on strategic partnership singed with Commerzbank AG The bank launches its Private Banking Bank starts operations in the retail banking segment, launching, in just 100 days, mBank - the first Internet bank in Poland Bank launches its second retail arm, MultiBank, brick-and- mortar bank aimed at servicing demanding and affluent clients Foreign expansion of bank's retail operations, first outlets established in the Czech Republic and Slovakia Launch of new mBank transactional platform; rebranding of the Group under mBank name Establishment of mAccelerator - a fund aimed at investing in FinTech start-ups Strategic partnership with the Great Orchestra of Christ-mas Charity (WOŚP); e-commerce services via mElements Adjustment of processes and offer innovations during the Covid- 19 pandemic; systematic increase of Renewable Energy Sources (RES) financing mBank Group adopted new strategy for 2021-2025 titled,,From an icon of mobility to an icon of possibility" total assets of the sector loans deposits leasing factoring non-financial sector Composition of total income of mBank Group Treasury and Other 4.2% Corporate and Investment Banking 37.5% 58.3% Retail Banking Covered Bonds Investor Presentation Total income: PLN 4,333.4 mn in H1 2022 Source: mBank Group Consolidated Financial Statements 2022 H1 5

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