Solid Position Across Key Areas

4 Ipoteka-bank in the Banking Sector IPOTEKA BANK NIM AND COR (%) VS BANKING SECTOR as of 1 January 2021 5,8% 5,3% 4,8% 3,8% 3,9% 3,0% 2,8% 3,3% 2017 2018 Sector NIM 2019 2020 Ipoteka Bank NIM IPOTEKA BANK ROAE (%) VS BANKING SECTOR 32.5%5 as of 1 March 2021 9'99 IPOTEKA BANK TOP 10 UZBEK BANKS BY TOTAL ASSETS (UZS TN) 01.01.2020 01.01.2021 01.03.2021 34,9 49,0 49,3 34,7 NBU SQB Asaka Bank Ipoteka Bank Agrobank Xalq Bank QQB TOP 10 UZBEK BANKS BY DEPOSITS (UZS TN) 15,3 17,1 15,4 17,4% 16,1% 16,8% a 12,1% 12,7% 13,5% 12,0% 12,4% 10,3% 2017 Source: CBU based on local GAAP 5,4 ■1-Jan-20 8,8 50 Hamkor bank ■ 5,9 Microcreditb... Turon Bank ■1-Jan-21 ■1-Mar-21 965 2018 2019 Sector 2020 Ipoteka Bank 01.03.2021 NBU UzSQB Xalq Ipoteka Agro Asaka UZKDB Aloqa bank bank bank bank bank bank QQB Kapital bank 2,8

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