Investor Presentaiton

OTP Group offers universal banking services to around 16 million active customers in 11 countries across the CEE/CIS Region Major Group Members in Europe Total Assets Montenegro Albania Russia Systemic position in Hungary... 1Q 2022 market share (%) OTP Bank Russia Moldova Ukraine Romania otpbank SKB Banka (Slovenia) OTP Bank Ukraine Slovenia 5% 1% 3% 5% 3% 2% 1% Total assets 28 Retail loans =4 34 Serbia 8% 47% Hungary OTP Bank Moldova Retail deposits 39 OTP Bank Romania OTP Bank OTP Bank 9% Croatia 17% Croatia Serbia DSK Bank Bulgaria OCKB OTP Bank Albania Montenegro Corporate loans Corporate deposits 19 Bulgaria 24 24 Total Assets: HUF 28,790 billion Asset management 25 25 Number of Branches Headcount as well as in other CEE countries Albania Moldova Russia Bulgaria Montenegro Ukraine 51 Russia 34 Hungary 15% 39 133 356 Romania Slovenia 7% 2% Montenegro Albania Moldova No. 2 in Total assets No. 1 in Retail deposits No. 1 in Retail loans Ukraine 3% 5% 1% Serbia 85 3% Serbia 8% Romania 95 7% 49 Croatia 34% Slovenia 311 184 Hungary Slovenia Croatia Russia² Bulgaria 16% 114 Serbia Bulgaria No. 2 in Total assets No. 1 in Gross loans No. 3 in Total assets No. 4 in Total assets No. 1 in POS lending No. 10 in Credit card business No. 20 in Cash loan business Croatia Total number of branches: 1,451 Total headcount: 33,464¹ Excluding selling agents employed at OTP Bank Russia and at OTP Bank Ukraine. 2 Estimated market positions, including OTP MFO. Montenegro No. 1 in Total assets Cotpbank 3

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