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Investor Presentaiton

Cover Pool - currency and mortgage type split Increasing share of residential mortgages in cover pool (nominal value, PLN bn) 5.3 4.1 6.4 3.8 6.9 Residential mortgages (PLN) Commercial real estate (PLN, EUR, USD) 8.0 7.9 LLL 2.4 1.7 1.2 Characteristics of the portfolio in the future since 2014 the currency structure of the loan portfolio in mortgage cover pool was subject to changes resulting from a systematic growth of the portfolio of retail loans granted only in PLN from 2022, due to Demerger Plan of mBank Hipoteczny, mBH will not grant and service loans secured by a mortgage for the financing of commercial real properties mBH strategy for the following years is to be EUR issuer covered by significant increase of residential PLN denominated mortgages 2020 2021 2018 2019 Loan seasoning – residential mortgages (year) 47.6% 7.5% 13.0% ≤1 (1,2] 23.0% (2,3] (3,5] ≥ 5 9.0% Covered Bonds Investor Presentation 2022H1 Loan seasoning - commercial loans (year) 80.3% 3.0% 16.7% (2,3] (3,5] ≥ 5 33
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