mBank Spółka Akcyjna - English version of Annual Report of mBank S.A. for the 12-month period ending 31 December 2025

Spis treści:
1. REPORT
2. INFORMATION ABOUT THE ENTITY
3. SIGNATURE OF PERSONS REPRESENTING THE COMPANY

Spis załączników:

1. mBank_B044AY_Sprawozdanie_z_badania_JSF_31122025_ENG_FINAL.xhtmlmBank Independent Auditor's Report Standalone 2025
   
2. mBank-ListCEO-2025-12-31-1-en.xhtmlLetter of the President of the Management Board to the Shareholders
   
3. mBank-ListPRN-2025-12-31-1-en.xhtmlLetter of the Chairwoman of the Supervisory Board of mBank S.A. to the Shareholders;
   
4. mBank-OcenaRN-2025-12-31-1-en.xhtmlOpinion of the Supervisory Board of mBank S.A. on the situation of the Bank 2025
   
5. mBank-RNOcenaSpr-2025-12-31-1-en.xhtmlOpinion of Supervisory Board on Financial Statements 2025
   
6. mBank-RN-OśwKA-2025-12-31-1-en.xhtmlStatements of the Supervisory Board with respect to the Audit Committee
   
7. mBank-ZBAudytor-2025-12-31-1-en.xhtmlThe Management Board Information on the selection of an audit firm to audit the Financial Statements
   
8. mBank-ZBAudytorSZR-2025-12-31-1-en.xhtmlThe Management Board Information on the selection of an audit firm to attest the Sustainability Statement
   
9. mBank_JSF-2025-12-31-1-en.xhtmlmBank Financial Statements YE 2025
   
10. mBank_SDZ-2025-12-31-1-en.xhtmlmBank S.A. Group Management Board Report 2025
    
11. EN_Sprawozdanie_BR_z_atestacji_SZR_mBank_2025.xhtmlIndependent Auditor's Assurance Report on the Sustainability Statement 2025
    

POLISH FINANCIAL SUPERVISION AUTHORITY

UNI - EN REPORT No 1 / 2026

Date of issue: 2026-02-26

Short name of the issuer

mBank S.A.

Subject

English version of Annual Report of mBank S.A. for the 12-month period ending 31 December 2025

Official market - legal basis

Art. 56. 1. 2 of Act on Public Offering

Unofficial market - legal basis

/-/

Contents of the report:

mBank Independent Auditor's Report Standalone 2025;
Letter of the President of the Management Board to the Shareholders;
Letter of the Chairwoman of the Supervisory Board of mBank S.A. to the Shareholders;
Opinion of the Supervisory Board of mBank S.A. on the situation of the Bank 2025;
Opinion of Supervisory Board on Financial Statements 2025;
Statements of the Supervisory Board with respect to the Audit Committee;
The Management Board Information on the selection of an audit firm to audit the Financial Statements;
The Management Board Information on the selection of an audit firm to attest the Sustainability Statement;
mBank Financial Statements YE 2025;
mBank S.A. Group Management Board Report 2025;
Independent Auditor's Assurance Report on the Sustainability Statement 2025.

Annexes

File Description

mBank_B044AY_Sprawozdanie_z_badania_JSF_31122025_ENG_FINAL.xhtmlmBank_B044AY_Sprawozdanie_z_badania_JSF_31122025_ENG_FINAL.xhtml mBank Independent Auditor's Report Standalone 2025

mBank-ListCEO-2025-12-31-1-en.xhtmlmBank-ListCEO-2025-12-31-1-en.xhtml Letter of the President of the Management Board to the Shareholders

mBank-ListPRN-2025-12-31-1-en.xhtmlmBank-ListPRN-2025-12-31-1-en.xhtml Letter of the Chairwoman of the Supervisory Board of mBank S.A. to the Shareholders;

mBank-OcenaRN-2025-12-31-1-en.xhtmlmBank-OcenaRN-2025-12-31-1-en.xhtml Opinion of the Supervisory Board of mBank S.A. on the situation of the Bank 2025

mBank-RNOcenaSpr-2025-12-31-1-en.xhtmlmBank-RNOcenaSpr-2025-12-31-1-en.xhtml Opinion of Supervisory Board on Financial Statements 2025

mBank-RN-OśwKA-2025-12-31-1-en.xhtmlmBank-RN-OśwKA-2025-12-31-1-en.xhtml Statements of the Supervisory Board with respect to the Audit Committee

mBank-ZBAudytor-2025-12-31-1-en.xhtmlmBank-ZBAudytor-2025-12-31-1-en.xhtml The Management Board Information on the selection of an audit firm to audit the Financial Statements

mBank-ZBAudytorSZR-2025-12-31-1-en.xhtmlmBank-ZBAudytorSZR-2025-12-31-1-en.xhtml The Management Board Information on the selection of an audit firm to attest the Sustainability Statement

mBank_JSF-2025-12-31-1-en.xhtmlmBank_JSF-2025-12-31-1-en.xhtml mBank Financial Statements YE 2025

mBank_SDZ-2025-12-31-1-en.xhtmlmBank_SDZ-2025-12-31-1-en.xhtml mBank S.A. Group Management Board Report 2025

EN_Sprawozdanie_BR_z_atestacji_SZR_mBank_2025.xhtmlEN_Sprawozdanie_BR_z_atestacji_SZR_mBank_2025.xhtml Independent Auditor's Assurance Report on the Sustainability Statement 2025

mBank Spółka Akcyjna

(fullname of the issuer)

mBank S.A. Banki (ban)

(short name of the issuer) (sector according to clasification of the WSE in Warsow)

00-850 WARSZAWA

(post code) (city)

Prosta 18

(street) (number)

829-00-00 0000025237

(phone number) (fax)

www.mbank.pl

(e-mail) (web site)

526-021-50-88 001254524

(NIP) (REGON)

SIGNATURE OF PERSONS REPRESENTING THE COMPANY

Date Name Position / Function Signature

2026-02-26 Pascal Ruhland Vice President of the Management Board