Investor Presentaiton

Outstanding Covered Bonds Data as of 2020 H1 (PLN M) Mortgage covered bonds All issues Mortgage CBs 8,055 PLN- 3,915 denominated EUR- 4,140 denominated WA Time to maturity 3.46 years PLN- 2.41 years denominated EUR- 4.45 years denominated Distribution by currency (all issues) Distribution by interest rate (all issues) 8,055 8,055 4,140 3,916 EUR Fixed (51%) (49%) 3,915 4,138 PLN Float (49%) (51%) mBH Mortgage covered bonds maturity profile broken down by currency (all issues PLN m) 8,000 7,655 7,000 6,000 5,000 4,000 3,000 2,000 1,000 0 2019 Data as of: 2020 H1 Based on EUR/PLN NBP rate m MBH 234 100134 EUR PLN 778 223 555 1,536 536 1,000 1,450 421 111 310 2,729 214- 192 2020 2021 2022 2023 2024 2025 2026 100 2028 th 2029 mGroup Covered bonds Cover Pool Polish Economy Real Estate Market 30 Legislation

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