Investor Presentaiton

By products Almost 80% of the total net loan book is invested in EU countries, with Hungary having the dominant share. Retail lending remains the leading product Breakdown of the consolidated net loan book (in HUF billion) By countries 1Q 2022 Hungary1 5,784 billion Bulgaria, Leasing Leasing Corporate 7% Mortgage 8% 29% 16,054 16,054 35% 9% Corporate 35% 100% · 100% 21% Consumer MSE MSE 28% 3% 28% 2,886 billion Mortgage Consumer 27% Mortgage Croatia Hungary 36% Leasing 1,765 billion Mortgage Serbia 1,738 billion 7% Leasing Mortgage 5% Corporate 27% 21% 41% 23% Corporate 48% 23% 22% Consumer 3% 3% Consumer Consumer MSE MSE Bulgaria 18% Slovenia 1,015 billion Romania 1,020 billion 5% MSE Leasing Leasing 5% 17% Mortgage Croatia 11% 36% Mortgage 41% 44% 36% 9% Corporate 8% Serbia 11% Slovenia 6% 6% Romania Ukraine 4% Montenegro Russia 3% Moldova 2% Albania 1% 7% Leasing 1% 1Q 22 1Q 22 Corporate 2% Consumer 39% Corporate MSE 2% Consumer MSE Russia 517 billion Ukraine Corporate 583 billion Mortgage Consumer 17% 1% 15% Corporate 56% 28% 82% Leasing Consumer 1 Including OTP Core and Merkantil Group (Hungarian leasing). Cotpbank 6

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