Solid Position Across Key Areas

Strong shareholder support IPOTEKA BANK SHAREHOLDER COMPOSITION As of 1-March-2020 UZS 2.9 tn The UFRD and Ministry of Finance OUR EXPECTATIONS FOR 2021 ☐ UZS 100 bn tax privileges (as MOF capital) ☐ Conversion of UZS 360 bn IFC loan to capital □ Negotiations with potential strategic investor to sell state-owned equity 92,2% CAPITAL INJECTION FROM THE GOVERNMENT (UZS BN) Increase resulting from UFRD and MOF transaction in 2H 2019 comprising the equity injection and reduction of exposure on low- margin loans and reduction of RWA 1 832,0 CAR is expected at min. 15% (end of 2021) 542,1 139,6 52,4 2017 2018 2019 2020 9

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