Solid Position Across Key Areas

5 Loan Portfolio Overview (1-Mar-2021) LOAN PORTFOLIO SPLIT IPOTEKA BANK LOAN PORTFOLIO BY COLLATERAL TYPE Equipment and inventory 9% State guarantee 7% By sectors By segments Others 5% Textile 4% Agriculture 10% 29% Corporate Trade & Finance 9% Letters of surety 8% Construction 6% 28% SME Insurance 5% Other 5% Real estate 66% Individuals 43% 43% Retail Manufacturing 23% LOANS TO TEN LARGEST BORROWERS (UZS BN) 54% 9 350 2018 37% 20% 19% 7 473 2019 I Loans to top 10 borrowers 4 861 4716 2020 1 March 2021 % of gross total loans

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