Q3 2022 Financial Performance Review

MKB BANK Abbreviations MKB, MKB Bank, MKB Bank Plc. MKB Group MBH, Magyar Hungarian Bankholding Ltd. Bankholding BB former Budapest Bank Ltd. (prior to merger) MTB former MTB Bank of Hungarian Savings Cooperatives Co.Ltd. (prior to merger) TMB Takarék Mortgage Bank Co. Plc. NBH National Bank of Hungary (the central bank of Hungary) ECB European Central Bank FED Federal Reserve System ESG Enviromental, Social and Governance y/y Year on year q/q Quarter on quarter bp Basis point CAGR Compounded Annual Growth Rate FY Annual data (Y), YTD Year to date data PAT Profit after tax PBT Profit before tax GOI Gross Operating Income GAE General Administrative Expenses OCI Other comprenesive income TOCI Total other comprenesive income FX FX result FV Revaluation result IRS Interest rate swap TA Total assets RWA Risk weighted assets AFS Available-for-sale Secured loans Home Loans + Free-to-Use Mortgages FVTOCI Fair value through OCI FVTPL Fair value through P&L FTE Full time equivalent NPL Non performing loans NPE Non performing exposures DPD90+ Days past due over 90 days ROE, ROAE Return on (average) equity ROA, ROAA Return on (average) assets ROMC Return on minimal capital required CIR Cost-to-income ratio TRM Total revenue margin NIM Net interest margin NFM Net fee margin CIM Core Income Margin CAR Capital adequacy ratio LTD Loans to deposits EPS Earning per share AVA Asset value adjustment - CRR specification LCR Liquidity Coverage Ratio NSFR Net Stable Funding Ratio AUM Asset under management MÁP+ Hungarian Governmental Securities+ ÁKK Price of government bond reference yields determined daily by the National Debt Management Center (ÁKK) NHP FGS, Funding for Growth Scheme KSH Hungarian Central Statistical Office AFR Instant payment system implementation project to comply with NBH requirements Hitreg Loan registry requirements of NBH PSD2 Payment service directive 2 61

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