Solid Position Across Key Areas

Covid-19 impact and response (1-Mar-2021) COVID-19 IMPACT ON ASSET QUALITY (UZS BN) (local GAAP) 4,4% 3,0% 1 063 2,3% 1,8% 1,3% 623 633 547 496 347 290 281 221 175 129 17 2018 2019 1H 2020 203 2020 513 815 1 March 2021 CBU'S APPROACH ON TREATMENT OF NPLS O O CBU's approach: Higher conservatism in treatment of the NPL IPOTEKA BANK Step forward towards reducing the gap between IFRS and local GAAP (including on treatment of the NPLs) Our position: With adjustments generally in line with our initial forecasts Impact is manageable: ◉ ◉ Fully collateralized mortgage portfolio Stronger NPL management measures Prudence and transparency backed maximizing the auto-calculation of NPLs 190+ overdue NPLs Provisions 1) NPLs as a proportion of the gross loans to customers NPL Ratio (%) Analysis of repayment of extended loans Loans Indicators Total renewed clients (01.04.2020) (fully repaid loans) repaid ahead of schedule (till 01.01.2021) Total renewed clients (01.01.2021) Split of the renewed clients: Clients who paid off the main debt, despite credit holidays (ahead of the renewed schedule) Clients whose cash receipts increased in 2020 compared to 2019 (as per renewed schedule) Businesses that have sufficient credit collateral, sufficient cashflows for monthly payments & other businesses (as per renewed schedule repaying as per schedule) Potentially new NPLs Quantity Amount Quantity Amount Quantity Amount Quantity Amount Quantity Amount Quantity Amount Quantity Amount Total: 8 739 6 007 495 1 646 924 525 7 093 5 082 970 2 595 1 608 524 2 365 2715 625 1 978 625 614 155 133 506 7

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