Investor Presentaiton

While OTP Bank ratings closely correlate with the sovereign ceilings, subsidiaries' ratings enjoy the positive impact of parental support Hungarian sovereign, OTP Bank and OTP Mortgage Bank ratings Moody's A1 A2 A3 Baa1 Baa2 Baa3 Ba1 Ba2 Ba3 B1 B2 B3 Moody's Moody's Moody's Hungary rating Baa2 S&P Composition of main ratings by Moody's and S&P S&P/Scope Scope A+ Moody's S&P A Scope Hungary rating A- Macro Factors Macro Factors BBB+ BBB BBB- Weighted Macro Profile Moderate- Anchor bbb- BB+ S&P Hungary rating BBB BB Financial Profile Bank-Specific Factors BB- B+ B B- Combined Solvency Score Combined Liquidity Score ba1 baa3 OTP Bank Issuer Rating / Senior Unsecured Bond Rating Financial Profile ba1 Business position Capital and earnings Risk position Funding and liquidity ± 10± +1 +1 OTP Mortgage Bank Covered Bond Rating OTP Bank Counterparty Risk Rating / Deposits Rating OTP Bank / OTP Mortgage Bank Issuer Credit Rating Long-term credit ratings of OTP Group member banks Moody's S&P OTP Bank BBB Counterparty Rating¹ Deposits Baa1 BBB Baa1 Senior Unsecured Bonds Non-preferred Senior Unsecured Bonds Subordinated Tier 2 Bonds Ba1 OTP Mortgage Bank Baa2 BBB Counterparty Risk Rating Baa1 Covered Bonds A1 Scope BBB+ BBB+ BBB Qualitative Adjustments & Support Stand-Alone Credit Profile bbb External Support Total qualitative adjustment 0 & Support Total support 0 Adjusted BCA ba1 Additional Factors Loss Given Failure (LGF) Analysis Additional factors 0 Counterparty Risk/ Deposits +3 BB+ EUR 500mn 15/07/2019 Dated subordinated debt 0 Issuer Credit Rating BBB HUF 95bn 29/09/2021 Counterparty Risk Rating/Deposit Rating Dated Subordinated Bank Debt Rating Long-term Counterparty Risk Rating for Moody's and long-term Resolution Counterparty Rating for S&P Global Baa1 Ba1 Cotpbank 22

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