Solid Position Across Key Areas

Financial results for 2020 NET PROFIT, NET INTEREST INCOME (UZS BN), NIM 3,0% 242 3,8% 279 554 250 2017 2018 5,3% 5,8% 1395 1 030 430 483 2019 I Net interest income before provision Net profit Net Interest Margin (%) REVENUE OVERVIEW (UZS BN) 790 922 IPOTEKA BANK CONTRIBUTION OF BUSINESS AREAS TO TOTAL OPERATING INCOME 17,3% 22,9% 2020 UZS 1.9 tn 2020 23,1% 1 430 1 947 ■ Corporate SME Retail 36,7% Others OPERATING EXPENSES STRUCTURE (2019-2020) 7% 77 8% 7% 256 6% 39 219 3% 4% 148 4% 213 5% 28 2020 104 9% UZS 659 bn 269 236 1 395 8% 38 1 031 2019 241 554 69% 242 69% 2017 2018 2019 2020 ■Net gain from foreign exchange translation Other operating income 2020 ■Net fee and comission income ■Net interest income ✓ Total Operating income 6 ■Staff costs ■Rent and maintenance of property Stationery and Supplies Sponsorship and advertising Depreciation and amortisation ■Other operating expenses

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