Investor Presentaiton

OTP Bank offers a unique investment opportunity to access the CEE banking sector. The Bank is a well diversified and transparent player without strategic investors Ownership structure of OTP Bank on 31 March 2022 BANK Employees & Senior Officers Treasury shares Domestic Individual- Domestic Institutional 14% -Others² 10% 0% 0% 5% 0% Groupama -Group (France) EUROMONEY AWARDS FOR EXCELLENCE CENTRAL AND 2021 EASTERN EUROPE BEST BANK EUROMONEY AWARDS FOR EXCELLENCE HUNGARY 2021 BEST BANK 'Best Bank in CEE 2018 and 2021' 'Best Bank in Hungary 2017,2018, 2020 and 2021' 'Best Bank in Bulgaria 2021' 'Best Bank in Montenegro 2020 and 2021' 'Best Bank in Albania 2020 and 2021' The Banker The Banker MOL (Hungarian Oil and Gas Company) 9% Kafijat 7% Group (Hungary) 1 On 6 May 2022. 55% Other Foreign Institutional Bank of the Year 2021 CENTRAL & EASTERN EUROPE Bank of the Year 2021 HUNGARY 'Best Bank in CEE 2021' 'Best Bank in Hungary 2020 and 2021' 'Bank of the Year in Croatia in 2021' 'Bank of the Year in Montenegro in 2021' 'Bank of the Year in Slovenia in 2020 BEST BANK AWARD GLOBAL FINANCE and 2021' 'Best Bank in CEE 2022' 'Best Bank in Hungary in 2022' since 2012 in all consecutive years 'Best Bank in Montenegro in 2022' 'Best Bank in Slovenia in 2022' 2 Foreign individuals, International Development Institutions, government held owner and non-identified shareholders. DIGITAL BEST AWARD 2021 GLOBAL FINANCE BANK AWARD SAFEST 2021 GLOBAL FINANCE EBANK AWARD 'Best Consumer Digital Bank in Hungary in 2019, 2020 and 2021' 'Safest Bank in Hungary in 2020 and 2021' SME GLORAKCE X PROVIDER BEST FX PRO 2022 AWARD 2022 GORANCE PRIVATE BEST BANK KAWARD 02022 GLOBAL FINANCE 'Best SME Bank in CEE and in Hungary in 2022' 'Best FX providers in Hungary in 2017, 2018, 2019, 2020, 2021 and 2022' 'Best FX providers in Bulgaria in 2021 and 2022' 'Best FX providers in Slovenia in 2022' 'Best Private Bank in CEE in 2022' 'Best Private Bank in Hungary in 2020 and 2021 and 2022' 'Best Private Bank in Montenegro in 2022' Cotpbank LO 5

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