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mBank S.A.

Legal Proceedings Report Feb 3, 2021

5702_rns_2021-02-03_7d61201a-825a-40ef-a569-290c2cdd88a1.html

Legal Proceedings Report

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Increase in the provision for legal risk related to the mortgage andhousing loan portfolio in foreign currency

Management Board of mBank S.A. (The "Bank") informs that in connectionwith the decision taken on February 3 2021 by the Bank, the provisioncreated in the Q4 2020 is higher than the initial amount stated in thecurrent report number 3/2021 dated January 19 2021 and as a consequencethe result on provisions for legal risk related to foreign currencyloans in Q4 2020 will amount to minus PLN 633 million. In relation withthe increase in the provisions resulting from the analysis of the mostrecent data, the Bank expects a negative net result in Q4 2020, but apositive result for the entire year 2020. Detailed information will beprovided in "Selected non-audited consolidated financial information forthe Q4 2020" on February 9 2021.

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