Q3 2022 Financial Performance Review

MKB The Non-standard business segment's gross loan portfolio increased by 25.9% BANK Business Performance - Non-standard Business - Loans Non-standard business Gross loan portfolio (HUF bn) +25.86% Non-standard business - New loan disbursement (HUF bn) A Y/Y AY/Y 2,576.8 XXX 86.4 0.1 -99.5% 2,129.1 2,120.0 2,212.3 0.2 +25.0% 526.2 2,047.4 16.6 9.1 0.7 475.1 433.0 445.1 +38.34% 530.4 0.1 -97.2% 421.1 39 189.7 +83.4% 360.9 0.3 256.0 +53.1% -23.2% The non-standard business grew by 25.9% during the last one year in term of loans provided to customers, reaching HUF 2,576.8 bn at the end of 3Q 2022, taking into account the impact of the Sberbank portfolio. Significant growths were experienced in all standard segments, except for the private banking (regarding the lombard loan run outs). non- Agribusiness, as one of the strategic focus segments of MKB, has been growing most rapidly with organically increases of 25.0% y/y and 10.8% q/q, reaching HUF 526.2 bn of outstanding loans at the end of 3Q 2022. Large business segment, which accounts for around 50% of the total non-standard business loans, grew by 30.1% organically compared to the same period last year, reaching HUF 1,307.1 bn. The large corporate segment has experienced an impressive growth, partly due to some individual large transactions and partly due to the change in the exchange rate. The amount of loans provided to medium-sized businesses was at HUF 657.0 bn at the end of 3Q 2022, amounting to an organically increased of 8.6% y/y. This segment has been a key segment of the Group with increasing product penetration playing a central role. Thanks to the traditionally close cooperation between MKB Bank and Eximbank, customers can benefit from EXIM's financing sources. MKB Bank reached 21.8% market share of all refinanced disbursement in Q3(Y) 2022. 383.4 2.6 1,307.1 +30.1% 1,004.6 1,070.2 1,042.3 1,094.4 103.4 286.0 0.2 142.5 237.7 55.9 0.0 167.2 81.3 145.5 138.0 605.1 616.8 632.0 642.5 657.0 +8.6% 105.0 110.3 84.5 80.1 84.7 51.3 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Medium business Large business Agriculture business Private banking Sberbank portf.

View entire presentation