OTP Bank 2006 preliminary results. Investor Presentation

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1 OTP Bank 26 preliminary results Investor Presentation Presented by: Dr. László Urbán, CFO March, 27

2 Macroeconomic environment and financial intermediary 3-7 Financial performance (consolidated, IFRS) 9-17 Market position in Hungary (HAR) OTP Subsidiaries in the Region 27-29

3 Major factors influencing the Group s activity and results in 26 March, 27 3 Deteriorating macroeconomic conditions in Hungary Changes of the monetary conditions Negative effects from the government s austerity package Highest-ever budget deficit Weakening of HUF in the first half of 26; significant correction in 4Q, exchange rate of HUF/EUR at the end of the year, increasing volatility Raising interest rates Deteriorating credit rating of the sovereign Central bank base rate increased by 2 bps Base rate: 8.% since October 26 Additional expenses because of increasing tax-burden, but Positive perception of the austerity package, strengthening HUF and decreasing interest levels Growing competition. changing saving structure Continuous campaigns for deposit and loan products Change of retail saving structure because of introduction of tax on interest incomes from September 1, 26 (decreasing deposit volume, increase of assets in investment funds), with some correction in the last quarter The most active acquisition period in OTP s history New acquisitions in Ukraine (RBUA). Russia (Investsberbank), Serbia (Zepter banka, Kulska banka) and in Montenegro (CKB) Issuance of subordinated and upper tier 2 capital, and of ICES in order to finance acquisitions Investor Presentation - 26 Preliminary Results

4 Base rate increased by 2 bps to 8.% in 26 March, 27 4 Interest rates 9% 3-Jul-6, 8.2% 29-Dec-6, 8.% Changes of base rate 8% 7% 14-Mar-6, 7.18% 25-Sep-6, 7.25% bp - 3 bp - 35 bp + 2 bp 6% Exchange rates 2-Mar-6, 5.9% 27-Jun-6, 6.25% 5% Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan Jan-6, M3 Y1 Y1 Base rate 22-May-6, Jul-6, Oct-6, Dec-6, 7.98% 29-Dec-6, 7.93% 29-Dec-6, 6.71% 3-Jan-7, Feb-7, Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Base rate in CEE-Countries HU 8.% CZ 2.5% SK 4.75% PL 4.% BU 3.53% CR 4.5% RO 8.75% RU 1.5% UA 8.5% SE 14.5% MN 4.25% Investor Presentation - 26 Preliminary Results

5 March, 27 In 27, the macroeconomic environment will be determined by the effect of the austerity package 5 Expected macroeconomic indicators of Hungary in P 27 F Real GDP 4.2% 4.1% 2.4% Final household consumption 3.8% 1.5% -2.3% Public consumption.2% -4.7% -2.% Investment 5.6% -.3% -5.9% Exports 11.6% 15.8% 12.% Imports 6.8% 11.5% 9.% Budget deficit as a % of GDP -7.9% -9.7% -6.6% Current Account as a % of GDP -7.3% -8.9% -6.% Net nominal wages 9.6% 7.1% 4.2% Net real wages 5.8% 3.2% -2.7% Unemployment 7.1% 7.5% 7.8% Inflation (CPI), average 3.7% 3.8% 7.1% NBH base rate (average) 7.2% 6.7% 7.8% NBH base rate (end of period) 6.% 8.% 7.% HUF/EUR (average) HUF/EUR (end of period) Source: OTP Bank, Research Department Investor Presentation - 26 Preliminary Results

6 Economic growth will remain buoyant in the economies of OTP s subsidiaries in the coming years March, 27 6 Bulgaria F 8 F Real GDP growth 5,5% 6,7% 6,% 6,% Inflation (CPI) 5,% 7,3% 5,% 4,% Net nominal wages 7,% 1,8% 7,1% 6,1% Key interest rate (avg) 2,% 2,8% 4,1% 4,2% EUR/BGN (eop) 1,956 1,956 1,956 1,956 Ukraine F 8 F Real GDP growth 2.6% 7.% 5.7% 4.8% Inflation (CPI) 13.5% 9.1% 11.8% 9.% Net nominal wages 44.9% 23.1% 21.8% 18.% Key interest rate (eop) 9.5% 8.5% 9.% 9.% Exchange rate (USD/UAH) Russia F 8 F Real GDP growth 6.4% 6.6% 6.5% 6.1% Inflation (CPI) 12.5% 9.7% 8.5% 7.5% Net nominal wages 23.9% 24.% 23.% 2.% Key interest rate (eop) 12.% 11.% 1.% 9.% USD/RUB (eop) Romania F 8 F Real GDP growth 4.1% 7,1% 5,8% 5,3% Inflation (CPI) 9,% 6,6% 4,8% 4,7% Net nominal wages 23,1% 16,% 14,5% 13,% Key interest rate (eop) 7,5% 8,8% 7,5% 7,% EUR/RON (eop) 3,68 3,54 3,5 3,55 Croatia F 8 F Real GDP growth 4.3% 4.4% 4.2% 3.8% Inflation (CPI) 3.3% 3.2% 2.9% 3.% Net nominal wages.%.%.% 6.5% Key interest rate (eop) 4.5% 4.5% 4.5% 4.5% EUR/HRK (eop) Slovakia F 8 F Real GDP growth rate 6.2% 8.1% 8.% 7.1% Inflation (CPI) 2.7% 4.5% 2.% 2.7% Net nominal wage growth 9.2% 8.% 7.% 6.% Key interest rate (eop) 3.% 4.75% 4.5% 4.% EUR/Skk (eop) Serbia F 8 F Real GDP 6,8% 6,4% 6,% 6.2% Inflation (CPI, avg) 16.5% 12.7% 7.% 6.5% Net nominal wages 23.6% 24.1% 18.8% 15.2% Key interest rate (eop)* 19.2% 16.6% 12.% 9.3% EUR/CSD (eop) *: In early September 2 week repo rate was introduced as a benchmark rate Montenegro F 8 F Real GDP growth 4.1% 5.% 4.1% 4.8% Inflation (CPI, avg) 3.4% 2.2% 2.2% 2.2% Net nominal wages 9.1% 16.5% 1.% 8.6% Key interest rate Exchange rate Montenegro has unilaterally adopted the euro Investor Presentation - 26 Preliminary Results

7 March, 27 The banking market has low penetration and promising growth potential in the countries of the subsidiaries 7 Total deposits to GDP Expected growth of retail loans 23.9% 9.6% 1% 8% 16.4% 11.% 24.4% 6% 8.1% 4% 22.6% 2% 24.6% 14.7% % CAGR Croatia Hungary Slovakia Bulgaria Ukraine Serbia Romania Russia Montenegro Total loans to GDP Expected growth of wholesale loans 3.7% 1% 13.8% 22.8% 8% 13.7% 6% 24.8% 16.4% 4% 27.8% 2% 21.9% 24.3% % CAGR Slovakia Bulgaria Croatia Hungary Ukraine Serbia Romania Russia Montenegro 75% 6% 45% 3% 15% 36% 27% Growth 7/6 CAGR 6-1 6% Growth 7/6 CAGR % 58% 51% 53% 49% 49% 13% 27% 23% 12% 35% 36% 35% 36% 32% 15% 48% 36% 24% 12% 29% 24% 23% 23% 24% 2% 12% 45% 14% 3% 22% 19% 2% 21% 2% 15% 12% 13% % % Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Montenegro Hungary Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Montenegro Hungary Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Montenegro Hungary Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Montenegro Hungary Investor Presentation - 26 Preliminary Results

8 Macroeconomic environment and financial intermediary 3-7 Financial performance (consolidated, IFRS) 9-17 Market position in Hungary (HAR) OTP Subsidiaries in the Region 27-29

9 OTP Bank realised HUF bn consolidated profit after tax in 26 March, 27 9 Financial highlights of OTP Group (consolidated, IFRS) 25 4Q 4Q 26 3Q 3Q 26 4Q 4Q Q-o-Q Y-o-Y 25 26P Y-o-Y Total assets () bn) 5, , , % 36.2% 5, , % Total loans and advances () bn) 3, , , % 35.8% 3, , % Total deposits () bn) 3, , , % 23.4% 3, , % Gross loan/deposit ratio 96.2% 12.8% 15.8% 3.% 9.6% 96.2% 15.8% 9.6% Shareholders' equity () bn) % 43.9% % Net Net interest income () bn) % 28.7% % Net Net interest income w/o w/o swaps ( bn % 7.2% % Net Net interest margin before provision 6.32% 7.18% 6.21% -.97% -.12% 6.34% 5.75% -.58% Net Net interest margin w/o w/o swaps 6.3% 5.5% 4.93% -.57% -1.1% 6.2% 5.21% -.99% Pre-tax profits () bn) % -9.4% % After tax tax profits () bn) %.2% % Total income () bn) % 12.1% % Operating expenses () bn) % 21.2% % Cost to to income ratio 56.2% 53.7% 6.8% 7.1% 4.6% 55.4% 56.%.6% Return on on Assets 3.23% 3.6% 2.47% -1.13% -.76% 3.38% 3.4% -.33% Return on on Equity 3.5% 34.3% 22.8% -11.6% -7.7% 32.3% 28.1% -4.2% EPS base (HUF) %.3% % EPS fully diluted (HUF) %.9% % Investor Presentation - 26 Preliminary Results

10 March, 27 Loan volume grew by 35.8% y/y (+16.4% q/q); deposits increased by 23.4% on a yearly base (+13.% q/q) 1 Gross loan volume by business lines 5 4,477 3, , , , ,222 1, ,195 1,273 1,61 4Q 25 3Q 26 4Q 26 Change y/y +49.9% +25.6% +6.5% +34.7% Consumer Mortgage Municipal Corporate Gross loan volume by countries 5 4,477 3, , ,525 2,82 2, Q 25 3Q 26 4Q 26 Russia Ukraine Serbia Romania Slovakia Croatia Bulgaria Hungary Change y/y % +1.6% +31.1% +38.4% +12.1% Distribution 4.8% 8.2%.3% 2.3% 4.8% 4.4% 11.9% 63.2% Deposits by business lines 5 4, ,743 3, ,913 2,68 2 2, ,97 4Q 25 3Q 26 4Q 26 Change y/y +13.7% +9.% +65.7% Retail Municipal Corporate Deposits by countries 5 4, ,428 3, ,586 2,688 2, Q 25 3Q 26 4Q 26 Russia Ukraine Serbia Romania Slovakia Croatia Bulgaria Hungary Change y/y % +25.3% +18.6% +3.6% +5.8% Distribution 6.% 3.5%.5% 1.% 4.5% 6.5% 13.3% 64.7% Investor Presentation - 26 Preliminary Results

11 NPL ratio stood at 5.6% on December 31, 26 March, Volume of qualified loans Share of qualified loans % 2% 15% 1% 5% 12.8% 12.5% 13.7% 14.% 3.6% 3.9% 4.2% 4.3% 9.1% 8.6% 9.5% 9.7% 2.4% 5.6% 14.8% % 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26 To be watched Below average Doubtful Bad To be watched NPL Coverage Cost of risk to the average loans 5 1% 1.2% 1.1% ,2% 69,6% 62,7% 64,2% 44,7% 8% 6% 1.%.7%.81%.7%.97%.97%.77% 2 24,1% 24,8% 21,8% 22,% 13,6% 4%.5%.38% 1 2%.2% %.% 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26 4Q 25 1Q 26 2Q 26 3Q 26 4Q Provisions Coverage on qualified loans Coverage on NPL * If we would apply the Hungarian standards in case of Ukraine and Russia as well, the NPL ratio would be 4,5%, the qualified ratio 16,7% while the NPL coverage 22,8%, qualified coverage 55,7%. Investor Presentation - 26 Preliminary Results

12 Capital adequacy ratio, according to Hungarian regulation, stood at 9.91% March, Shareholders equity, HAR Tier 2 capital elements Guarantee capital , Shareholder' equity, 25 Changes of reserves BS profit Shareholder' equity, 26 Tie r2, 25 EUR 3M LT2 EUR 5M UT2 Tier 2, 26 Shareholders' equity, HAR Treasury shares General reserves Goodwill Tier 1 Tier 2 Investments in fin.inst. Limit breaches Country risk Guarantee capital Risk weighted assets Capital adequacy ratio, HAR ,624 2,73 2,39 2,51 2,177 31/12/25 31/3/26 3/6/26 3/9/26 31/12/26 2% 15% 1% 5% % Tier 2 Tier % 1.55% 1.92% 1.74% 3.37% 1.29% 1.28% 1.22% 9.91% 4.31% 9.26% 9.64% 9.51% 11.17% 5.6% 31/12/25 31/3/26 3/6/26 3/9/26 31/12/26 Investor Presentation - 26 Preliminary Results

13 March, 27 OTP Bank s consolidated capital adequacy ratio, according to Hungarian regulation, stood at 13.21% 13 Consolidated guarantee capital of OTP Bank Tier 1 positsive elements Tier 1 negative elements Hybrid Tier 1 Tier 1 Tier 2 positsive elements Tier 2 negative elements Investments in fin.inst. Limit breaches Guarantee capital Tier 1 positsive elements Tier 1 negative elements Hybrid Tier 1 Tier 1 Tier 2 positsive elements Tier 2 negative elements Investments in fin.inst. Limit breaches Guarantee capital Risk weighted assets Consolidated capital adequacy ratio, HAR ,137 3,38 3,719 3,983 4,747 2% 15% 1% 5% 15.35% 13.11% 13.32% 13.12% 2.2%.7% 13.47% 13.43% 13.4% 13.16% Tier 2 Tier % 2.3% 11.18% 31/12/25 31/3/26 3/6/26 3/9/26 31/12/26 % -5% -.37% -.11% 31/12/25 31/3/26 3/6/26 3/9/26 31/12/26 Investor Presentation - 26 Preliminary Results

14 March, 27 Net interest margin decreased by 97 bps, without swaps by 57 bps compared to the last quarter 14 Net interest income Net interest margin Q 25 1Q 26 2Q 26 3Q 26 4Q Net interest income w/o swap Net swap interest result 8.% 7.2% 6.4% 5.6% 4.8% 4.% 6.32% 7.18% 5.6% 5.9% 5.5% 6.21% 6.3% 5.23% 5.35% 4.93% 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26 Net interest margin NIM w/o swap Total result on FX swaps, non-consolidated Q 25 1Q 26 2Q 26 3Q 26 4Q Quarterly changes of net interest margin Bps Q 25 1Q 26 2Q 26 3Q 26 4Q 26 Net interest income FX gains/losses Net swap results Net interest margin NIM w/o swap Investor Presentation - 26 Preliminary Results

15 Cost income ratio increased by 71 bps to 6.8% in 4Q 26 March, Non-interest income Q 25 1Q 26 2Q 26 3Q 26 4Q 26 Other Insurance Dividend Real estate trx, net Securities, net Forex, net Q/Q: -7.3% Y/Y: -6.4% Net fees and comm. Cost/income ratio 8% 7% 6% 5% 4% 3% 56.2% 55.9% 53.5% 51.8% 5.9% 47.1% 53.7% 47.6% Q/Q: +71 bp Y/Y: +46 bp 6.8% 56.8% 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26 with insurance without insurance Operating expenses Q 25 1Q 26 2Q 26 3Q 26 4Q 26 Q/Q: +7.5% Y/Y: +24.1% Other expenses Insurance expenses Depreciation Personnel expenses Non int. income/total income 6% 5% 49.4% 47.5% 41.3% 42.1% 4% 38.7% 32.4% 34.7% 33.8% 3% 26.4% 24.5% 2% 2.6% 2.% 19.2% 19.7% 17.5% 1% 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26 Total Without insurance Net fees Investor Presentation - 26 Preliminary Results

16 Consolidated ROE deteriorated to 22.8%, ROA to 2.47%, respectively in 4Q 26 March, Profit after tax EPS, diluted HUF y/y: +18.4% y/y: +19.8% 4Q 25 1Q 26 2Q 26 3Q 26 4Q Q 25 1Q 26 2Q 26 3Q 26 4Q Return on average equity (ROE) Return on average assets (ROA) 5% 5% 4% 3% 3.5% 34.% 32.9% 34.3% 22.8% 32.3% 28.1% 4% 3% 3.23% 3.47% 3.34% 3.6% 2.47% 3.38% 3.4% 2% 2% 1% 1% % 4Q 25 1Q 26 2Q 26 3Q 26 4Q % 4Q 25 1Q 26 2Q 26 3Q 26 4Q Investor Presentation - 26 Preliminary Results

17 March, 27 Among Hungarian subsidiaries; OTP Garancia Insurance reached HUF 7.2 bn and Merkantil Group HUF 6.9 bn after tax profit 17 OTP Bank (non-consolidated) OTP Mortgage Bank Merkantil Group OTP Garancia Insurance OTP Fund Management Main balance sheet items, Y-o-Y Y-o-Y Y-o-Y Y-o-Y Y-o-Y Total assets 4, % 1, % % % % Shareholders' equity % % % % % Gross loans Gross loans Gross loans Insurence reserves Assets under Management 1, % % % % 1, % Main P&L items, HUF million Net interest income 23, % 43,3-9.5% 24,3 26.5% 1, %.% Non-interest income 195, % 4,23-7.9% 3, % 8, % 38, % Premium income 75,6 5.5% Non-interest expenses 185,5 19.5% 42, % 16, % 82,73 4.7% 28, % Insurance expenses 61, % Net insurance result 14,354 2.% Profit after tax 17, % 3,9-42.7% 6,85 7.8% 7,22 7.4% 4, % Added value* 61,57 1.9% 37, % Total income 377,34 2.5% 13, % 23, % 86, % 33, % Operating expenses 163, % 8, % 12, % 77, % 23, % Cost/income ratio** 43.4% -1.6% 62.6% 33.5% 52.% 15.6% 95.7% -.9% 69.4% 48.2% Net Interest Margin 5.% -.1% 4.2% -.9% 8.2% -.3% 6.1%.%.%.% ROA 4.21%.21%.3% -.28% 2.32% -.5% 4.16% -.74% 36.42% -1.89% ROE 29.8% -1.% 7.9% -6.1% 25.8% -6.9% 32.7% -7.3% 43.3% -3.1% Market share, % Total assets 18.9%.7% 4.6% -.3%.8%.2% Retail loans 12.2% -.5% 19.2% -3.2% 2.9%.5% Premium income 9.7% -1.3% Investment funds 27.6% -1.7% * Profit before tax + fees paid to OTP Bank and cash given free of charge ** In case of OTP Garancia: combined ratio Investor Presentation - 26 Preliminary Results

18 Macroeconomic environment and financial intermediary 3-7 Financial performance (consolidated, IFRS) 9-17 Market position in Hungary (HAR) OTP Subsidiaries in the Region 27-29

19 March, 27 Despite losing market share in some segments, OTP Group maintains its leading position on the Hungarian market 19 Market share (31/12/26) Change Q/Q ( Y/Y) Market share (31/12/26) Change Q/Q ( Y/Y) Total assets 24.7% +.3%p (+.6%p) Total deposits 23.7% -.7%p (-3.2%p) Total loans 2.6%.%p (-.8%p) Retail deposits 32.4% -.2%p (-2.3%p) Mortgage loans 41.7% -.9%p (-4.7%p) Corporate deposits 9.9% -.3%p (-1.5%p) FX mortgages 22.9% -.4%p (+.4%p) Municipal deposits 64.2% -4.%p (+.8%p) Consumer loans 24.9% -.1%p (+.5%p) Investment funds 27.6% +.3%p (-1.7%p) Corporate loans 11.% -.2%p (-.7%p) Insurance premiums (cumulated) 9.7% -.4%p (-1.3%p) Municipal loans 55.1% +1.6%p (+2.4%p) Investor Presentation - 26 Preliminary Results

20 OTP Group s market share in retail deposits declined to 32.4% in Hungary March, 27 2 Retail deposits of credit institutions % 27.6% 5,667 5, % 5, ,669 3,724 3,719 5,639 5, % 25.3% ,672 3,86 35% 28% 21% 14% Market share OTP Group 4% 38% 36.% 36.4% 36.8% 36% 34.7% 33.5% 34% 33.3% 34.5% 36.1% 35.% 32.6% 32.4% 15 1,359 1,422 1,49 1,187 1,291 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 Sight Other HUF FX Share of sight 7% % 32% 3% 33.1% 32.8% 32.1% 32.% 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 Retail deposits Retail HUF deposits Retail FX deposits Retail deposits of OTP Group 25 5% 2 1, , , ,84.4 1, % % 4% 37.% 35.7% % 38.5% 35% 1,199 1,117 1,97 1,45 1, % % 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 C/A Other HUF w/o maturity Other HUF FX Share of sight Quarterly changes in volumes 1% 7.6% 7.4% 6% 5.2% 4.5% 2.5% 2.5% 2.1% 2% -2% -1.2% -6% -5.3% -7.3% -1% 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 Market OTP Group In this section OTP Group contains only the Hungarian financial institutions such as OTP Bank, OTP Mortgage Bank, Merkantil Bank, OTP Building Society Investor Presentation - 26 Preliminary Results

21 March, 27 OTP Group lost market share in HUF housing loans, its share in FX housing loans decreased by.4% 21 Housing loans of credit institutions 3 2, % % 2.7% % % % 28% 21% 14% Market share OTP Group 6% 52.7% 52.4% 52.% 51.6% 51.2% 48% 46.4% 45.4% 43.9% 36% 42.5% 41.7% 22.6% 23.% 24.% 23.3% 22.9% 24% 6 7% 12% 1,81 1,8 1,792 1,788 1,789 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 HUF FX Share of FX loans % % 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 Housing loans total HUF FX Housing loans of OTP Group 15 1,19 1,117 1,125 2% Quarterly changes in volumes 8% 6.7% ,6 1, % 17.5% 18.5% % 12.1% 16% 12% 8% 6% 5% 3% 5.% 2.8% 3.7% 3.2% 4.% 2.8% /31/5 3/31/6 6/3/6 9/3/6 12/31/6 4% % 2% % 1.3%.7%.7% 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 HUF FX Share of FX loans Market OTP Group In this section OTP Group contains only the Hungarian financial institutions such as OTP Bank, OTP Mortgage Bank, Merkantil Bank, OTP Building Society Investor Presentation - 26 Preliminary Results

22 March, 27 OTP Group market share in household s consumer loans stood at 24.9% in the fourth quarter of Consumer loans of credit institutions , % 63 1, % 755 1,858 1, % 53.3% 2, % 968 1,63 1,94 6% 48% 36% 24% Market share OTP Group 35% 28.7% 28.9% 28.1% 28% 27.5% 26.1% 21% 24.4% 24.6% 24.9% 25.% 24.9% 19.7% 18.6% 22.% 22.8% 23.8% 14% 45 12% 7% /31/5 3/31/6 6/3/6 9/3/6 12/31/6 HUF FX Share of FX loans % % 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 Household's consumer loans HUF FX Consumer loans of OTP Group % % 37.4% % % % 44% 33% 22% Quarterly changes in volumes 2% 16.4% 16% 14.8% 12% 9.% 8% 7.6% 7.6% 8.4% 7.3% 7.7% /31/5 3/31/6 6/3/6 9/3/6 12/31/6 11% % 4% % 1.9% 1.3% 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 HUF FX Share of FX loans Market OTP Group In this section OTP Group contains only the Hungarian financial institutions such as OTP Bank, OTP Mortgage Bank, Merkantil Bank, OTP Building Society Investor Presentation - 26 Preliminary Results

23 March, 27 Net asset value of OTP Funds increased by 1.4% in 4Q 26, slightly exceeding the level of 4Q Market volume of mutual funds , ,78 2, Market share of OTP Funds 45% 4% 35% 3% Q/Q: -.4% Y/Y: +35.3% 2,548 2, ,515 1,676 1,659 1,941 1,961 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 38.3% 34.8% w/o Real Est.Funds 36.7% 33.5% 31.9% 34.9% Real Estate Funds 27.3% 27.6% Net asset value of OTP Funds Assets under management Q/Q: +1.4% Y/Y: +1.3% /31/5 3/31/6 6/3/6 9/3/6 12/31/6 Money Market funds Bond funds Mixed funds Equity funds Guaranteed funds Other investment funds Real Estate fund 1, ,167 1,144 1, Q/Q: +6.% Y/Y: +9.% 1, % 25.6% 26.1% % 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 OTP market share - w/o Real Est.Fund 12/31/5 3/31/6 6/3/6 9/3/6 12/31/6 OTP Investment Funds OTP Private Pension Fund OTP Voluntary Pension Fund OTP Health Care Fund Other pension funds Other Institutional Investors Investor Presentation - 26 Preliminary Results

24 March, 27 OTP Garancia is the 2th largest life insurance company in Hungary with 8.5% share of premium income 24 Life and non-life premium income (market) Life and non-life premium income (OTP Garancia) Q 25 1Q 26 2Q 26 3Q 26 4Q 26 Life Non-life 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26 Life Non-life Market share of OTP Garancia 2% Quarterly changes of total premium income 25% 2% 19% 17% 16% 12% 8% 4% 13.6% 12.8% 11.1% 11.% 11.6% 1.% 1.2% 1.1% 8.5% 8.4% 8.4% 7.9% 8.7% 8.9% 8.4% 14% 3% -8% -19% 3% -8% 7% -7% -6% -13% % 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26-3% -27% 4Q 25 1Q 26 2Q 26 3Q 26 4Q 26 Total premium income Life Non-life Market OTP Garancia Investor Presentation - 26 Preliminary Results

25 March, 27 The most significant contribution to the Group s consolidated after tax profit came again from the banking sector 25 Dec 31, 26 Banks Insurance Companies Other fin. Service Non-fin. Service Consolidated Share of banks Assets 8,424,21 197, ,769 18,568 7,11, % Loans 4,51,35 115,257 4,477, % Retail loans 2,533,253 87,9 2,649, % Housing loans 1,517,965 9,356 1,534, % Consumer loans 1,15,288 77,653 1,114, % Corporate loans 1,749,89 28,192 1,61, % Municipal loans 218, ,299 1.% Deposits 4,25, ,231, % Retail deposits 2,912, ,912,79 1.% Corporate deposits 1,116, ,97, % Municipal deposits 221, ,313 1.% Equity 992,257 28,748 31,479 26, , % Distribution of total assets 94.2% 2.2% 2.4% 1.2% Interest income 586,882 1,669 15,819 5, , % Interest expenses 253, ,518 3, , % Net Interest Income 332,91 1,667 1,32 1, , % Provisions 42, , % Other incomes 242,27 83,659 55,621 13,68 245, % Other expenses 298,844 86,476 5,614 1,666 35, % Pre-tax profit 233,873 7,85 15,64 4, , % After tax profit 26,523 6,342 6,86 2, , % Distribution of PAT 92.8% 2.9% 3.1% 1.3% Indicators ROAE 25.% 25.6% 18.7% 9.2% ROAA 2.87% 3.58% 2.5% 3.5% Net interest margin 4.62% 6.2% 3.75% 2.37% Cost/Income ratio 45.85% 91.14% 73.86% 7.27% Cost of risk/av. gross loans 1.9%.18% Investor Presentation - 26 Preliminary Results

26 Macroeconomic environment and financial intermediary 3-7 Financial performance (consolidated, IFRS) 9-17 Market position in Hungary (HAR) OTP Subsidiaries in the Region 27-29

27 OTP Bank is represented in nine countries in the region March, OTP Group Branches* Employees Number of clients* Total assets Profit after tax ROAE Cost/income ratio OTP Bank Branches Employees Number of clients Total assets Profit after tax ROAE Cost/income ratio Market share OTP banka Hrvatska Branches Employees Number of clients Total assets Profit after tax ROAE Cost/income ratio Market share 1,29 26,869 ~9, m HUF 7,12 bn HUF bn 28.1% 56.% 48 8,169 ~4.8 m HUF 4,56 bn HUF 17.5 bn 29.8% 43.4% 18.9% ~.4 m HUF 364 bn HUF 3.5 bn 11.4% 62.2% 3.5% IFRS data as at December 31, 26 * Banks only ** IFRS data for 4M-12M, 26 *** Whole year profit, not fully consolidated **** Will be consolidated from 1Q 27, profit based on local GAAP OTP banka Hrvatska (25) CKB**** Branches Number of clients Total assets Profit after tax Market share OTP Banka Slovensko Branches Employees Number of clients Total assets Profit after tax ROAE Cost/income ratio Market share OTP Banka Slovensko (22) ~,2 m HUF 325 bn HUF 2. bn 1.8% 68.1% 3.% Niška banka (26) OTP Bank Romania (24) Zepter banka (26) Kulska banka (26) Serbia DSK Bank (23) CKB Bulgaria (26) Montenegro 33 ~15 th EUR 543 mn EUR 4. mn 44% Niška banka** Branches Number of clients Total assets Profit after tax Market share CJSC OTP Bank*** Branches Number of clients Total assets Profit after tax Market share CJSC OTP Bank (26) Ukraine 26 ~96 th HUF 11.4 bn HUF -95 mn.3% Zepter banka*** Branches Number of clients Total assets Profit after tax Market share 65 ~121 th HUF 431 bn EUR 5 mn ~3.5% Investsberbank (26) Russia 21 ~167 th HUF 23.3 mn EUR.1 mn ~1.% Investsberbank*** Branches Number of clients Total assets Profit after tax Market share OTP Bank Romania Branches Employees Number of clients Total assets Profit after tax ROAE Cost/income ratio Market share DSK Group Branches Employees Number of clients Total assets Profit after tax ROAE Cost/income ratio Market share Kulska banka**** Branches Number of clients Total assets Profit after tax Market share 78 ~88 th HUF 33 bn EUR 15 mn ~.4% ~77 th HUF 193 bn HUF -2.6 bn % ~1.5% 366 4,13 ~4.4 m HUF 779 bn HUF 23.6 bn 29.% 38.7% 14.4% 45 ~62 th EUR 312 mn EUR 26.3 mn ~1.7% Investor Presentation - 26 Preliminary Results

28 March, 27 Contribution of foreign subsidiaries to consolidated after-tax profit amounted to 13.7% in Niska banka Zepter banka CJSC OTP Bank Investsberbank Main balance sheet items, Y-o-Y Y-o-Y Y-o-Y Y-o-Y Y-o-Y Total assets % % % % % 12.9% Gross loans % % % % % 13.8% Deposits % % % % % 9.3% Shareholders' equity % 3.6.2% % % % 9.9% Gross loans/deposits ratio 86.8% -2.2% 71.6% 6.9% 99.8% -25.3% 246.9% 149.9% 58.1% 72.2% 25.2% 85.1%.%.% Main P&L items, HUF million Net interest income 38, % 11, % 7, % 3, % 79 4, % 2.9% Non-interest income 17, % 7, % 4, % 3, % 824 5, % 6.3% Non-interest expenses 22, % 12, % 8, % 9, % 1,543 2, % 3.9% Profit after tax 23, % 3, % 2,3 47.9% -2, % -95 2, % 1.8% Total income 55, % 17, % 11,67 -.7% 6, % 1,552 9,324 Operating expenses 21,4 4.7% 1, % 7, % 8, % 1,48 2,66 Cost/income ratio 38.7% -6.6% 62.2% -5.% 68.1% -1.6% 132.3% -9.9% 95.4% 28.% Net Interest Margin 5.7% -1.2% 3.4%.7% 2.6%.3% 2.8% -.5% 7.2% 6.% ROA 3.47%.13% 1.5%.28%.69%.12% -2.11% 2.14% -.87% 3.85% ROE 29.% 2.6% 11.4% 3.4% 1.8% 2.3% -13.5% 6.4% -2.2% 38.1% Market share, % DSK Csoport OTP banka Hrvatska OTP Banka Slovensko OTP Bank Romania Total assets 14.4%.2% 3.5%.1% 3.%.2% 1.5%.9%.3% 3.5% Retail loans 33.% -3.3% 3.9%.1% 3.6% -.3% 2.% 1.9%.2% 5.4% Corporate loans 7.3% -.4% 2.8%.% 4.1% -2.1% 1.2%.4%.1% 3.2% Retail deposits 21.8% -1.1% 5.5%.% 2.6%.2%.6%.1%.3% 1.8% Corporate deposits 7.2%.% 2.5%.4% 2.9%.1%.6%.%.3% 2.6% Contribution of foreign subsidiaries Investor Presentation - 26 Preliminary Results

29 From the foreign countries, Bulgaria remained the main contributor March, Dec 31, 26 HU BG CR SK RO SE UA RU Consolidated Foreign ratio Assets 6,366,45 858, ,658 36, ,49 34, ,92 33,97 7,11, % Loans 2,964, ,92 197,364 22,828 11,295 15, , ,4 4,477, % Retail loans 1,7, ,73 126,934 71,99 51,39 7, ,793 97,849 2,649, % Housing loans 1,157, ,779 59,417 47,198 16, , ,534, % Consumer loans 543, ,924 67,517 24,711 34,576 6,694 49,375 96,929 1,114, % Corporate loans 1,53, ,197 69,96 143,393 5,256 8,147 23,62 116,61 1,61,78 45.% Municipal loans 21, , , , % Deposits 2,797,51 523,77 275,75 19,34 41,22 22, ,26 253,645 4,231, % Retail deposits 1,99,249 43, ,996 8,61 18,396 11,26 71,54 168,26 2,912, % Corporate deposits 719,878 71,744 47,653 85,965 22,626 8,31 75,922 85,385 1,97, % Municipal deposits 168,383 21,62 5,55 23,729 3, , % Equity 814,1 91,521 33,123 2,476 27,32 8,882 43,555 39, , % Distribution of total assets 71.2% 9.6% 4.1% 4.% 2.2%.4% 4.8% 3.7% Interest income 51,938 55,887 18,662 17,646 6, , , % Interest expenses 224,927 15,5 7,455 8,477 2, , , % Net Interest Income 286,11 4,387 11,27 9,17 3, , , % Provisions 26,757 8,525 2,125 1, ,728 29, % Other incomes 351,464 18,83 8,444 4,939 4, , , % Other expenses 381,955 25,577 13,559 1,41 1,419 1,543 2,756 35, % Pre-tax profit 228,762 25,115 3,967 1,752-2, ,99 219, % After tax profit 196,788 2,973 3,74 1,649-2, , , % Distribution of PAT 88.4% 9.4% 1.4%.7% -1.2%.% 1.2% Indicators ROAE 27.8% 25.8% 9.6% 8.7% -13.6% 28.1% ROAA 3.43% 2.91%.92%.51% -2.2% 3.4% Net interest margin 4.98% 5.6% 3.36% 2.82% 2.78% 5.75% Cost/Income ratio 54.74% 41.85% 66.32% 7.17% 13.62% 56.1% Cost of risk/av. gross loans.96% 1.86% 1.21%.89%.61%.77% Investor Presentation - 26 Preliminary Results

30 Further information OTP Bank Investor Relations Tel: Website: Fax: Forward looking statements This presentation contains certain forward-looking statements with respect to the financial condition, results of operations, and businesses of OTP Bank. These statements and forecasts involve risk and uncertainty because they relate to events and depend upon circumstances that will occur in the future. There are a number of factors which could cause actual results or developments to differ materially from those expressed or implied by these forward looking statements and forecasts. The statements have been made with reference to forecast price changes, economic conditions and the current regulatory environment. Nothing in this announcement should be construed as a profit forecast.

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