Investor Presentaiton

The Stage 3 rate continued to decline in the first quarter of 2022. The management's provisioning policy remained conservative compared to regional banking groups, especially regarding the coverage of performing loans Development of the Group's main credit quality indicators Own coverage of Stage 1+2 loans compared to regional peers at the end of 1Q 2022 Stage 1 ratio 88.8% 80.4% 81.5% 81.5% 2.4% 1.8% 1.1% 0.9% 0.8% 0.5% 0.3% & 13.9% 13.2% 13.3% otpbank Group w/o Russia and Ukraine ERSTE Raiffeisen BANK ՈՈՐ UniCredit KBC (4Q 2021) INTESA SANPAOLO (4Q 2021) Stage 2 ratio 5.3% Own coverage of Stage 3 loans compared to regional peers at the end of 1Q 2022 5.9% 5.7% 5.3% 5.2% Stage 3 ratio 61.9% 57.4% 52.5% 2019 2020 2021 1Q 22 otpbank Source: company reports (estimates in some cases). Group w/o Russia and Ukraine 62.3% 52.9% 52.7% 53.6% INTESA SANPAOLO ERSTE Raiffeisen กกก BANK UniCredit KBC (4Q 2021) (4Q 2021) Cotpbank 19

View entire presentation