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Investor Presentaiton

OTP's way to a sustainable world: dedicated permanent ESG organization, strategic focus, and visible results ORGANIZATION The whole organization of the Bank and its Subsidiaries are involved in the ESG transformation, that is steered by the ESG Committee, managed by the Green Program Director as Leader of ESG business transformation. Board of Directors Board member responsible for ESG ESG Committee Standing Executive Committee Task: Formulating strategy, plans and policies in relation to ESG, supporting management bodies, responsible for execution of the strategy Chair: Delegate of Board of Directors ESG Subcommittee Operating Committee of ESG Committee Task: operating body supporting the work of ESG Committee Chair: Green Program Director responsible for ESG business transformation of the OTP Group STRATEGY OTP Bank has successfully started implementing its ESG strategy, the main results are as follows: environment programme UN ESG risk management ESG business ESG control transformation function finance initiative Green mortgage bond issuance: In August 2021 OTP Mortgage Bank was the first to issue a green mortgage bond on the domestic market. Current volume of issued green mortgage bonds: HUF 95 billion Green Home Programme: In October 2021 OTP Bank was amongst the first banks joining the programme. Contracted amount of Green Housing loans: HUF 21 billion Validated Green Housing loans: HUF 4 billion Green corporate lending: OTP's Green Lending Framework was the first among domestic banks approved by the National Bank of Hungary. The approval will allow OTP to begin financing green projects of corporate customers. Validated corporate green loans and green bonds: HUF 67.5 billion OTP Bank, as the first bank in Hungary, has become an official Signatory of the UN Principles for Responsible Banking. RATINGS OTP Bank's improving sustainability performance has been recognized with upgraded ratings by the major ESG rating agencies: SUSTAINALYTICS a Morningstar company 20.3 SEVERE HIGH MEDIUM LOW NEGLIGIBLE MSCI A CCC B BB BBB A AA AAA āœ“ CDP DRIVING SUSTAINABLE ECONOMIES most recent ! update B- Source: Company data 1 Accounted for in the Green Capital Relief Program of the National Bank of Hungary. D C B- A Cotpbank 23 23
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