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Investor Presentaiton

Results of mBank Group: Key regulatory ratios Strong capital position and outstanding liquidity securing safety and operational stability mBank Group's Total Capital Ratio mBank's NSFR and LCR +4.85 bps 20.99% 20.69% 20.29% 19.46% 2.68% 19.26% 3.22% 2.97% 2.95% 2.83 18.31% 17.32% 17.47% 16.51% 16.43% 14.41% 11.63% 199% 165% 190% 169% 135% 127% 118% 114% 114% Basel III requirement ≥100% 226% 2016 2017 2018 2019 2020 H1 (PLN B) minimum requirement as of 06/20 2016 2017 2018 2019 2020 H1 65.3 68.0 76.2 84.1 87.6 Tier 1 capital ratio Tier 2 xx.x Total risk exposure amount Net Stable Funding Ratio (NSFR) Liquidity Coverage Ratio (LCR) 1 m 1 LCR for mBank Group was at 249% as of 31.03.2020 mGroup Covered bonds Cover Pool Polish Economy Real Estate Market Legislation 14
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