Investor Presentaiton

Disclaimer By accessing to, reviewing and/or listening to this presentation you confirm that you are aware of the restrictions set out below and that you accept them. This presentation is not intended for distribution outside the Republic of Croatia, nor for use by any person with registered seat or residence in any jurisdiction where such distribution is prohibited or requires obtaining of any permit, consent or approval. This presentation is intended solely for qualified investors as this term is defined by the Capital Market Act (Official Gazette no. 65/2018, 17/2020, 81/2021). The information contained in this presentation is determined on the date of this presentation, unless indicated otherwise. INA - INDUSTRIJA NAFTE d.d., having its seat in Zagreb, Avenija V. Holjevca 10, registered with the Court Registry of the Commercial Court in Zagreb under registry no. (MBS): 080000604, OIB: 27759560625 ("Issuer") notes that there is a possibility that the stated information related to business operations of the Issuer, its financial position and business results, may change after the date of this presentation. Nothing in this presentation shall be construed as a recommendation to purchase securities or as an advice, including, but not limited to advice related to investment into securities issued by the Issuer, legal or financial advice. Potential investors should read the Simplified Prospectus for Public Offering and Listing of Notes („Prospectus") approved by HANFA by its Decision classification no.: UP/I 976-02/21-01/08, record no.: 326-01-60-62-21-10 dated 10 November 2021, which is available on the website of the Issuer (https://www.ina.hr/wp-content/uploads/2021/11/Prospekt-obveznice-INA-O-26CA.pdf), before making an investment decision, in order to fully understand the potential risks and benefits associated with the decision on investment into securities. Approval of the Prospectus by HANFA should not be interpreted as approval of securities offered or listed for trading on the regulated market of Zagreb Stock Exchange, Inc. Each investor who considers the possibility of subscription and payment, i.e., purchase and sale of securities, is obligated to conduct its own research, assessment and judgment of all data on facts, risks, trends, estimates and forecasts relating to the Issuer. The information contained in this presentation has not been verified, nor confirmed by an independent person. The Joint Lead Managers and Bookrunners, Erste&Steiermärkische Bank d.d., Privredna banka Zagreb d.d. and Raiffeisenbank Austria d.d., the Legal Advisor of the Issuer MAMIĆ PERIĆ REBERSKI RIMAC Odvjetničko društvo d.o.o., and the Legal Advisor of Joint Lead Managers MIŠKOVIĆ & MIŠKOVIĆ odvjetničko društvo d.o.o., are in no way liable, nor do they guarantee to any person, either directly or indirectly, for the authenticity, content and completeness of the information set out in this presentation, or during its presentation by the Issuer's representatives. 30

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