Investor Presentaiton

Footnotes and Glossary Slide 4 Profit after tax and Total assets calculated with 358.52 / 364.27 (2021 / 1Q 2022) HUF/EUR average exchange rate and 369.00 / 369.62 (2021 / 1Q 2022) HUF/EUR closing exchange rate Loan growth: FX-adjusted performing (Stage 1 + Stage 2) loan growth year-on-year in 2021 and quarter-on-quarter in 1Q 2022 CET1 ratio: Common Equity Tier1 ratio under accounting scope of consolidation, including the unaudited interim profit and deducting the indicated dividend amount CAR: Capital Adequacy Ratio under IFRS including the unaudited interim profit and deducting the indicated dividend amount Net LTD: consolidated net loans / (customer deposits + retail bonds) ratio Glossary Adjustments or Adjusted or (adj.) CEE/CIS CET1 CET1 ratio EBA ECB ESG FX ICES Leverage ratio Liquidity Coverage Ratio (LCR) M&A MLE MREL MSE NII Net interest margin (NIM) NSFR Performing loans POS Return on Equity (ROE) Risk cost rate Stage 3 ratio TLOF Total revenue margin In order to present Group level trends in a comprehensive way, where indicated, the presented profit and loss statement lines or metrics calculated therefrom are adjusted by OTP Bank. Central and Eastern Europe / Commonwealth of Independent States Common Equity Tier 1 Common Equity Tier 1 / risk weighted assets European Banking Authority European Central Bank Environmental, Social, Governance Foreign currency Income Certificates Exchangeable for Shares The leverage ratio is calculated pursuant to Article 429 of CRR (Stock of High Quality Liquid Assets) / (Total net cash outflows over the next 30 calendar days) Merger and acquisition Medium and large sized enterprises Minimum requirement for own funds and eligible liabilities Micro and small sized enterprises Net interest income Net interest income/ average total assets Net Stable Funding Ratio Stage 1 Stage 2 loans Point of sale loans Net profit/ average equity Provision for impairment on loan and placement losses / Average gross customer loans Stage 3 loans/gross customer loans Total liabilities and own funds Total revenues / average total assets Cotpbank 25

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