Update report – costs of bond issuances under the EMTN Programme

Update report – costs of bond issuances under the EMTN Programme With regard to current reports No. 51/2024 and No. 35/2025, the Management Board of mBank S.A. with its registered office in Warsaw (the “Bank”) informs on the costs of bond issues carried out under the EMTN Programme for the following series: Series 13, ISIN: XS2907137736, nominal value of EUR 500 million 1) The total amount of costs recognized as issuance costs, broken down as follows: a) costs of preparing and conducting the offer: PLN 6.98 mn, b) costs of remuneration of underwriters: not applicable, c) costs of prospectus preparation including advisory costs: PLN 1.14 mn, d) costs of promotion: PLN 19.7 thou., Total costs mentioned above amounted to PLN 8.14 mn gross (VAT included). 2) Methods of cost recognition in the Bank's accounting records and financial statements: Costs were recognised on a one-off basis in the profit and loss account at the time they were incurred, except for: the dealer commission and the costs of the comfort letter, which are recognized over time using the effective interest rate method over the expected life of the issued bonds. 3) The average cost of conducting the subscription per one subscribed bond: PLN 1.63 thou. gross. Series 14, ISIN: XS3090129332, nominal value of EUR 400 million 1) The total amount of costs recognized as issuance costs, broken down as follows: a) costs of preparing and conducting the offer: PLN 7.57 mn, b) costs of remuneration of underwriters: not applicable, c) costs of prospectus supplement preparation including advisory costs: PLN 0.75 mn, d) costs of promotion: PLN 12.3 thou., Total costs mentioned above amounted to PLN 8.34 mn gross (VAT included). 2) Methods of cost recognition in the Bank's accounting records and financial statements: Costs were recognised on a one-off basis in the profit and loss account at the time they were incurred, except for: the dealer commission and the costs of the comfort letter, which are recognized over time using the effective interest rate method over the expected life of the issued bonds. 3)The average cost of conducting the subscription per one subscribed bond: PLN 2.08 thou. gross. Legal basis: Paragraph 17 of the Regulation of the Minister of Finance on 6 June 2025 on the current and periodic information published by issuers of securities and the conditions for considering as equivalent the information required by law of a non-member state