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Investor Presentaiton

INA Group key financial data Stable finacial position alongside increased investments Investment activities increased in all segments compared to 9M 2020, while strategic investments also continue with Rijeka Refinery Upgrade being the main project 1,817 2,150 1,282 750 2018 2019 2020 ■CAPEX (HRK mn) 9M 2020 Strong financial position, with low net debt level of HRK 1,639mn, net gearing of 13.5% and net debt to EBITDA ratio of 0.57 20.9 19 15 13.5 12 2,554 2,503 1,642 1,608 1,639 1.62 2.24 903 9M 2021 0.89 0.47 0.57 2018 2019 2020 I Net Debt (HRK mn) 9M 2020 -Gearing ratio (%) 9M 2021 2018 2019 2020 Net debt to EBITDA 9M 2020* 9M 2021* Source: Company reports Note: *Based on 12-months rolling EBITDA =last three months of 2020 plus first nine months of 2021, etc. 7
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