Investor Presentation - Q2 2021

Appendix: Selected Financial Data Consolidated Profit and Loss Account - quarterly Quarterly results (PLN thou.) Q2 2020 Net interest income Net fee and commission income Dividend income 1,006,611 Q3 2020 960,295 Q4 2020 Q1 2021 Q2 2021 976,930 946,895 961,537 362,937 373,201 409,471 468,060 452,569 4,179 310 137 440 3,472 Net trading income 39,545 58,151 42,251 63,178 43,587 Gains less losses from financial assets¹ 30,083 21,390 148,812 86,707 10,613 Net other operating income 26,132 -2,678 -25,267 -26,496 -28,989 Total income 1,469,487 1,410,669 1,552,334 1,538,784 1,442,789 Total operating costs -571,509 -566,717 -536,579 -664,657 -580,230 Overhead costs -455,147 -458,452 -428,088 -552,766 -467,894 Amortisation -116,362 -108,265 -108,491 -111,891 -112,336 Loan loss provisions and fair value change² -352,159 -268,777 -262,606 -164,716 -228,352 Costs of legal risk related to FX loans -188,972 -186,851 -632,980 -66,268 -248,537 Operating profit 356,847 388,324 120,169 643,143 385,670 Taxes on the Group balance sheet items -138,417 -133,365 -127,767 -138,821 -147,165 Profit before income tax 218,430 254,959 -7,598 504,322 238,505 Net profit attributable to owners of mBank 86,983 100,613 -174,682 317,125 108,683 1 Including a part of 'Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss' related to equity instruments and debt securities (without related to loans and advances) 2 Sum of 'Impairment on financial assets not measured at fair value through profit or loss' and 'Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss' related to loans Investor Presentation - Q2 2021 30 30

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