Solid Position Across Key Areas

Stable funding, diversified deposit base FUNDING BASE BREAKDOWN (UZS BN) 57%143% 7 899 70% 30% +9% 7 671 3 242 UZS share | Other currencies DEPOSIT BASE BREAKDOWN 57% 43% 57% 43% +12% +42% 9 292 9616 By type By segment Savings 3% 8 565 8 187 IPOTEKA BANK 2 405 6 759 7 787 9 499 9 554 1 081 496 1 105 1 157 2018 2019 2020 1 March 2021 Term deposits 51% Borrowings from Government and the State ■Domestic and International Financial Insitutions ■Customer accounts ■Other Corporate 68% TOP TEN DEPOSITORS (UZS BN) 57% 1 253 2018 8 50% Other deposits 22% SME 12% 44% 37% 4 736 4 160 2 890 2019 top 10 depositors 2020 1-Mar-2021 % of gross total deposits Demand deposits 24% 20% Retail

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