Investor Presentaiton

Hungary represents half of the deposit book, Bulgaria is the second largest deposit holder in the Group. Retail volumes account for 56% of the total deposit base Breakdown of the consolidated deposit base 1Q 2022 (in HUF billion) Hungary1 10,846 billion Bulgaria 3,876 billion Vállalati By countries By products Retail term Retail term Vállalati 40% 35% MKV 13% 8% 21,830 21,830 37% 100% = 100% 13% 13% 41% Retail sight MKV Retail sight 1,860 billion Serbia Croatia 1,228 billion 34% Retail term Vállalati Retail sight Hungary 50% 25% Corporate 26% 40% Retail term MKV 8% 51% 16% 25% 9% Retail term Retail sight MSE 22% Retail sight Slovenia 1,226 billion Romania 820 billion Retail term Corporate Bulgaria 18% 11% MSE Croatia 9% Serbia ། 6% Slovenia 6% Ukraine 4% Montenegro /Romania 3%/Russia 2% Moldova 2% 1% 1Q 22 Albania 1% 1Q 22 Retail term 14% 27% 33% 46% MSE 13% Corporate 31% Retail sight 26% 9% Retail sight MSE Russia 34% Corporate 436 billion Ukraine 666 billion Retail term Retail term Corporate 17% 22% 37% 57% 16% 34% Corporate Retail sight 12% Retail sight 5% MSE MSE 1 Including OTP Core and Merkantil Group (Hungarian leasing). Cotpbank 7

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