Investor Presentaiton

We have defined the main pillars of OTP Group' ESG Strategy OTP GROUP ESG STRATEGY OTP Group is aiming to be the regional leader in financing a fair and gradual transition to a low-carbon economy and building a sustainable future through our responsible solutions IMPLEMENTATION TIMELINE Present '21-'22: Planning Establish ESG frameworks (including but not limited to SFDR implementation), develop processes, set targets Near Future '22-'24: Roll out Cascade ESG strategy in breadth and depth across OTP Group Beyond '25: ESG business as usual Green banking is standard part of OTP banking, with a working ESG org KPI'S TO MEASURE STRATEGIC ESG GOALS Short term Long term Building the green book • • • Green credit portfolio by 2022 Corporate: HUF 150 billion Retail: HUF 80 billion Green credit portfolio by 2025 Corporate: HUF 1,000 billion Retail: HUF 500 billion I Source: Company data Green products on market 5 products by 2022 Green products in all segments Reducing own emissions Net carbon neutrality by the end of 2022 Total carbon neutrality strategy on group level Transparent responsibility Member of UN's Principles of Responsible Banking initiative OTP to be listed DJSI ESG index by 2025 Cotpbank 24 24

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