mBank’s continuous transformation to the most design-driven digital bank in the world - 2014 Part Qorus Banking Innovation Awards 2014

In June 2013 mBank launeched its highly anticipated Project New mBank, which offered >200 new features stacked across 10 major financial technology innovations which was widely adopted by mBank customers. In 2014, mBank follows that path to digitalize its services and launched another set of features including: • The most advanced banking application worldwide providing best in class mobile experience on iOS, Android and Windows Phone • 30-second loan, providing the most convenient and immediate access to additional money in less than one minute in both online and mobile scenarios, making the loan application as simple as making a transfer from saving to current account • Launch of New mBank in Czech Republic and Slovakia • Seamless investments via online banking, enabling customers to quickly search for interesting investment funds, learn their performance and purchase them as well as learn how their investment portfolio perform • Summary of financial performance with possibility to add external sources • New way of managing loans mBank continues to work on new features, that will be launched in 2014, including: - Mobile-only bank in cooperation with Orange - Mobile payments incorporated into mobile banking application, launched in cooperation with 5 banks, establishing world’s first national mobile payment standard - New services adjusted to various customer types, including SME, sight impairment customers, investors, customers