contained
				 
				in
				 
				the
				 
				consolidated
				 
				financial
				 
				statements
				 
				of
				 
				mBank
				 
				S.A.
				 
				Group.
				 
				Moreover,
				 
				the
				 
				statutory 
				auditor
				 
				declared
				 
				that
				 
				based
				 
				on
				 
				its
				 
				knowledge
				 
				of
				 
				the
				 
				Bank
				 
				and
				 
				the
				 
				Group
				 
				and
				 
				their
				 
				environment 
				obtained
				 
				during
				 
				the
				 
				audit
				 
				of
				 
				the
				 
				financial
				 
				statements
				 
				of
				 
				the
				 
				Bank
				 
				and
				 
				the
				 
				Group,
				 
				the
				 
				statutory
				 
				auditor 
				did not identify material misstatements in the Management Board Report.
				
					In
					 
					addition,
					 
					the
					 
					Supervisory
					 
					Board
					 
					reviewed
					 
					the
					 
					Report
					 
					of
					 
					the
					 
					independent
					 
					auditor
					 
					on
					 
					the
					 
					attestation 
					of
					 
					sustainability
					 
					reporting
					 
					(which
					 
					is
					 
					part
					 
					of
					 
					the
					 
					Management
					 
					Board
					 
					Report
					 
					on
					 
					Performance
					 
					of
					 
					mBank 
					S.A.
					 
					Group
					 
					in
					 
					2024).
					 
					Based
					 
					on
					 
					the
					 
					attestation
					 
					procedures
					 
					performed
					 
					and
					 
					the
					 
					evidence
					 
					obtained,
					 
					the 
					auditor did not identify any matter that would cause the auditor to believe that:
				
				
					■
					mBank
					 
					Group
					 
					S.A.'s
					 
					sustainability
					 
					reporting
					 
					does
					 
					not
					 
					comply,
					 
					in
					 
					all
					 
					material
					 
					respects,
					 
					with 
					applicable
					 
					laws
					 
					and
					 
					regulations,
					 
					including
					 
					sustainability
					 
					reporting
					 
					standards
					 
					as
					 
					defined
					 
					in 
					Article 63p (2) of the Accounting Act,
				
				
					■
					the
					 
					materiality
					 
					assessment
					 
					process
					 
					carried
					 
					out
					 
					by
					 
					the
					 
					Group
					 
					to
					 
					identify
					 
					information
					 
					included 
					in
					 
					the
					 
					sustainability
					 
					reporting
					 
					of
					 
					the
					 
					mBank
					 
					Group
					 
					S.A.
					 
					does
					 
					not
					 
					comply,
					 
					in
					 
					all
					 
					material 
					respects,
					 
					with
					 
					sustainability
					 
					reporting
					 
					standards
					 
					within
					 
					the
					 
					meaning
					 
					of
					 
					Article
					 
					63p
					 
					(2)
					 
					of
					 
					the 
					Accounting Act,
				
				
					■
					mBank
					 
					Group
					 
					S.A.'s
					 
					sustainability
					 
					reporting
					 
					does
					 
					not
					 
					comply,
					 
					in
					 
					all
					 
					material
					 
					respects,
					 
					with
					 
					the 
					reporting
					 
					requirements
					 
					of
					 
					Article
					 
					8
					 
					of
					 
					Regulation
					 
					(EU)
					 
					2020/852
					 
					of
					 
					the
					 
					European
					 
					Parliament 
					and
					 
					of
					 
					the
					 
					Council
					 
					of
					 
					18
					 
					June
					 
					2020
					 
					on
					 
					establishment
					 
					of
					 
					a
					 
					framework
					 
					to
					 
					facilitate
					 
					sustainable 
					investment, and amending Regulation (EU) 2019/2088.
				
				
					Pursuant
					 
					to
					 
					Article
					 
					382
					 
					(3)
					 
					of
					 
					the
					 
					Code
					 
					of
					 
					Commercial
					 
					Partnerships
					 
					and
					 
					Companies,
					 
					having
					 
					considered 
					and
					 
					evaluated
					 
					the
					 
					financial
					 
					statements
					 
					and
					 
					the
					 
					consolidated
					 
					financial
					 
					statements,
					 
					taking
					 
					into
					 
					account:
				
				
					■
					the
					 
					independent
					 
					statutory
					 
					auditor’s
					 
					opinion
					 
					from
					 
					the
					 
					audit
					 
					of
					 
					the
					 
					financial
					 
					statements
					 
					of 
					mBank
					 
					S.A.
					 
					and
					 
					from
					 
					the
					 
					audit
					 
					of
					 
					the
					 
					consolidated
					 
					financial
					 
					statements
					 
					of
					 
					mBank
					 
					S.A.
					 
					Group, 
				
				
					■
					positive
					 
					recommendation
					 
					of
					 
					the
					 
					Audit
					 
					Committee
					 
					of
					 
					the
					 
					Supervisory
					 
					Board
					 
					with
					 
					respect
					 
					to 
					approval
					 
					of
					 
					the
					 
					Management
					 
					Board
					 
					Report
					 
					on
					 
					Performance
					 
					of
					 
					mBank
					 
					S.A.
					 
					Group,
					 
					the
					 
					financial 
					statements
					 
					of
					 
					mBank
					 
					S.A.
					 
					and
					 
					the
					 
					consolidated
					 
					financial
					 
					statements
					 
					of
					 
					mBank
					 
					S.A.
					 
					Group,
					 
					and
				
				
					■
					the
					 
					Supervisory
					 
					Board’s
					 
					assessment
					 
					of
					 
					the
					 
					internal
					 
					control
					 
					system
					 
					and
					 
					the
					 
					Bank’s
					 
					relevant
					 
					risk 
					management system, 
				
				
					the
					 
					Supervisory
					 
					Board
					 
					has
					 
					concluded
					 
					that
					 
					the
					 
					Management
					 
					Board
					 
					Report
					 
					on
					 
					Performance
					 
					of 
					mBank S.A.
					 
					Group,
					 
					the
					 
					financial
					 
					statements
					 
					of
					 
					mBank
					 
					S.A.
					 
					and
					 
					the
					 
					consolidated
					 
					financial
					 
					statements 
					of
					 
					mBank
					 
					S.A.
					 
					Group
					 
					for
					 
					the
					 
					year
					 
					ended
					 
					31
					 
					December
					 
					2024
					 
					comply
					 
					with
					 
					the
					 
					accounting
					 
					books
					 
					of 
					mBank S.A., other relevant documents and facts.
				
				
					Pursuant
					 
					to
					 
					Article
					 
					4a
					 
					of
					 
					the
					 
					Accounting
					 
					Act
					 
					of
					 
					29
					 
					September
					 
					1994
					 
					(“Act”),
					 
					the
					 
					Supervisory
					 
					Board 
					declares
					 
					that
					 
					all
					 
					the
					 
					components
					 
					of
					 
					the
					 
					Management
					 
					Board
					 
					Report
					 
					on
					 
					Performance
					 
					of
					 
					mBank
					 
					S.A. 
					Group
					 
					(including
					 
					the
					 
					sustainability
					 
					reporting
					 
					of
					 
					the
					 
					mBank
					 
					S.A.
					 
					Group),
					 
					the
					 
					financial
					 
					statements
					 
					of 
					mBank
					 
					S.A.
					 
					and
					 
					the
					 
					consolidated
					 
					financial
					 
					statements
					 
					of
					 
					mBank
					 
					S.A.
					 
					Group
					 
					for
					 
					the
					 
					year
					 
					ended 
					31 December 2024 comply with the requirements of the Act.
				
				
					Agnieszka Słomka - Gołębiowska 
				
				
					Chairwoman of the Supervisory Board
				
				
					Warsaw, 28 February 2025