OTP BANK 2006 second quarter results

OTP BANK 26 second quarter results INVESTOR PRESENTATION Presented by: Dr. Zoltán Spéder, CFO September, 26

Macroeconomic environment and financial intermediary Financial performance (consolidated, IFRS) Market position in Hungary (HAR) OTP Subsidiaries in the Region Major developments affecting OTP Group s medium term strategy 3-7 9-19 21-27 29-3 32-4

Main macroeconomic indicators in Hungary 24 25 26 F 27 F 28 F 29 F 21 F Real GDP 5.2% 4.1% 4.1% 2.4% 3.7% 4.3% 5.4% Final household consumption 3.6% 1.4% 2.1% -3..7% 3.8% 4.4% Public consumption.7% -.9% 2. -3.. 1. 3.5% Investment 8. 6.6% 4.5% 3.8% 6.1% 7.6% 7.8% Exports 15.8% 1.8% 16. 11.7% 1.2% 1.5% 1.1% Imports 13.5% 6.5% 13.6% 13. 1.3% 11. 11.4% Budget deficit as a % of GDP -6.5% -7.5% -1.4% -6.1% -4. -4.8% -6.1% Current Account Balance as a % of GDP -8.6% -7.3% -7.9% -6.5% -5.1% -5.6% -6.5% Net nominal wages 5.7% 1.1% 6. 1.6% 3.3% 6.6% 7.6% Net real wages -1. 6.3% 2.3% -3.7% -1.4% 3. 4. Unemployment 6.1% 7.1% 7.4% 8.1% 7.6% 7.2% 6.6% Inflation (CPI), average 6.7% 3.6% 3.5% 5.5% 3.7% 3.5% 3.5% NBH base rate (average) 11.27% 7.2 6.56% 7.5 7.1 6.31% 5.91% NBH base rate (end of period) 9.5 6. 7.5 7.5 7. 6. 5.75% EUR/HUF (average) 251.39 248.2 269.62 275. 275. 272.5 267.5 EUR/HUF (end of period) 245.22 252.73 267.5 275. 275. 27. 265. OTP Bank s own estimation (August, 26) 3

Austerity package induced significant changes in the macroeconomic environment which is indicated by the after package forecast 6% 5% 4% 3% 2% 1% 4.1% 4.1% 4.5% 4.1% Real GDP Final household consumption Budget deficit as a % of GDP 3.7% 2.4% 3.7% 3.6% 4.3% 4.1% 5.4% 4.4% 25 26 F 27 F 28 F 29 F 21 F Base forecast After package 5% 4% 3% 2% 1% -1% -2% -3% 1.4% 1.4% 2.1% 3.9% -3. 2.5% 2.7%.7% 3.8% 2.8% 4.4% 3.3% 25 26 F 27 F 28 F 29 F 21 F Base forecast After package -1% -2% -3% -4% -5% -6% -7% -8% -9% -1-11% -4. -3.7% -3.7% -6.1% -4.7% -4.8% -7.3% -7.7% -6. -6.1% -7.5% -1.4% 25 26 F 27 F 28 F 29 F 21 F Base forecast After package 6% 5% 4% 3% 2% 1% Inflation (CPI), average NBH base rate, average EUR/HUF, average 5.5% 3.6% 3.7% 3.5% 3.5% 3.6% 3.5% 3.5% 3. 3. 3.3% 1.8% 25 26 F 27 F 28 F 29 F 21 F 8% 7.2% 7% 6.6% 7.5% 7.2% 7.1% 6% 6.3% 6. 5% 5.4% 5.1% 4.8% 5.9% 4% 4.4% 3% 2% 1% 25 26 F 27 F 28 F 29 F 21 F 275. 272.5 275. 269.6 267.5 248. 248.9 25. 251.9 248. 248.9 247.8 25 26 F 27 F 28 F 29 F 21 F Base forecast After package Base forecast After package Base forecast After package 28 275 27 265 26 255 25 245 24 235 23 4

Base rate increased by 125 bps to 7.25% YTD 26 Interest rates 1 9% 8% 3-Jun-6, 8.13% 3-Jun-6, 7.94% 3-Jun-6, 6.82% 3-Jun-6, 6.25% Changes of base rate 23 + 4 bp 24-3 bp 25-35 bp 26 (June-August) + 125 bp 26 F + 15 bp 1-Jul-5, 7. 28-Feb-6, 6.8 7% 6% 25-Jul-6, 6.75% 1-Mar-6, 6. 2-Jun-6, 6.25% 5% Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 M3 Y1 Y1 Base rate Exchange rates 3 3-Jun-6, 281.93 28 26 1-Jul-5, 246.85 17-Nov-5, 251.17 14-Aug-6, 271.99 24 3-Jun-6, 221.78 1-Jul-5, 24.75 25-Nov-5, 213.76 22 2 7-Sep-5, 195.31 1-Mar-6, 212.12 14-Aug-6, 213.53 18 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Base rate in CEE-Countries HU 7.25% CZ 2.23% SK 4.5 PL 4. BU 2.8 CR 4.5 RO 8.75% HUF/EUR exchange rate year end (average) 23 262.2 (253.5) 24 245.2 (251.4) 25 252.7 (248.) 26 F 267.5 (269.6) HUF/EUR HUF/USD 5

Main macroeconomic indicators of countries of foreign subsidiaries Real GDP Budget deficit as a % of GDP 8% 3% 7% 1% 6% 5% -1% -3% -5% 4% -7% 3% -9% 2% 25 26 27 28 29 21-11% 25 26 27 28 29 21 Bulgaria Slovakia Croatia Romania Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Hungary Serbia Ukraine Russia Hungary Inflation (CPI), average Key interest rate, end of period 18% 16% 14% 12% 1 14% 12% 1 8% 8% 6% 4% 2% 25 26 27 28 29 21 6% 4% 2% 25 26 27 28 29 21 Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Hungary Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Hungary 6

The banking market has low penetration and promising growth potential in the countries of the subsidiaries 14 Total assets to GDP 1 Total deposits to GDP 12 8 1 6 8 4 6 2 4 25 26 27 28 29 21 25 26 27 28 29 21 Bulgaria Slovakia Croatia Romania Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Hungary Serbia Ukraine Russia Hungary 12 Total loans to GDP 7 Expected growth of loans 1 8 6 5 4 6 4 3 2 1 2 25 26 27 28 29 21 25 26 27 28 29 21 Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Hungary Bulgaria Slovakia Croatia Romania Serbia Ukraine Russia Hungary 7

OTP Bank realised HUF 46.7 billion consolidated profit after tax in 2Q 26 Financial highlights of OTP Group (consolidated, IFRS) 25 2Q 26 1Q 26 2Q Q-o-Q Y-o-Y 25 1H 26 1H Y-o-Y Total assets () 4,693. 5,444.8 5,735.3 5.3% 22.2% 4,693. 5,735.3 22.2% Total loans and advances () 2,98.9 3,417.7 3,69.6 8. 23.8% 2,98.9 3,69.6 23.8% Total deposits () 3,146.6 3,518.2 3,715.4 5.6% 18.1% 3,146.6 3,715.4 18.1% Gross loan/deposit ratio 94.7% 97.1% 99.3% 2.2% 4.6% 94.7% 99.3% 4.6% Shareholders' equity () 476.3 539.1 598.7 11.1% 25.7% 433.7 598.7 38.1% Net interest income () 76.9 71.3 73.1 2.5% -4.9% 142.4 144.5 13.8% Net interest margin before provision 6.52% 5.35% 5.23% -.1% -1.3% 6.43% 5.28% -1.2% Net interest margin w/o swaps 6.23% 5.6 5.9.3% -.3% 6.25% 5.74% -.5% Pre-tax profits () 46.5 54.3 56.8 4.6% 22.1% 92.5 111.1 2.2% After tax profits () 38.1 46.2 46.7 1.2% 22.7% 76.4 92.9 21.6% Cost to income ratio 56.8% 53.5% 55.9% 2.3% -.9% 54.2% 55.4% 1.2% Return on Assets 3.23% 3.47% 3.34% -.12%.11% 3.45% 3.39% -.6% Return on Equity 33.6% 34. 32.9% -1.1% -.7% 33.6% 32.4% -1.2% EPS base (HUF) 145 179 18.6% 24.3% 291 359 23.5% EPS fully diluted (HUF) 145 179 179.1% 23.7% 29 358 23.2% 9

Consolidated assets grew by 5.3% in 2Q 26 and by 22.2% on a yearly bases 6 5 4 3 2 1 4,693. 2,889.1 4,91.4 2,989.3 Assets 5,735.3 5,444.8 5,215.9 3,191.3 3,36.4 3,575.4 Other assets Investment securities Loans, net Trading securities Interbank 6 5 4 3 2 1 Liabilities 5,735.3 5,444.8 5,215.9 4,91.4 598.7 4,693. 539.1 547.5 523.9 476.3 3,146.6 3,239. 3,428.2 3,518.2 3,715.4 Equity Other liabilities Issued securities Customer deposits 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Cash 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Interbank 1 9 8 Balance Sheet indicators 94.7% 95.4% 96.2% 97.1% 99.3% 12% 8% 4% 5.4% Quarterly growth of B/S items 6.7% 6.2% 4.6% 5.8% 4.4% 3.7% 3.6% 2.9% 2.6% 8. 5.3% 5.6% 7 67. 66. 65.7% 64.6% 64.8% 6 5 63.5% 62.9% 63.2% 62.8% 64.3% 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Gross loans to deposits Gross loans to total assets Deposits to total assets -4% -8% -.9% -4.1% 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Gross loans Deposits Total assets 1

Consolidated gross loans increased by 8. Q/Q and by 23.8% Y/Y, while deposits by 5.6% and 18.1% respectively 4 3 2 1 Q/Q: +8. Y/Y: +23.8% 2,98.9 3,89. 68.3 721.2 1,12.1 1,163.2 Gross loans by business lines 3,297.2 3,417.7 743.4 85. 3,69.6 959.8 1,222.4 1,254.2 1,334.5 1,63.1 1,67.2 1,195.4 1,214.9 1,227.2 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Change Q/Q +19.2% +6.4% +19.1% +1. Corporate Municipal Housing Consumer 4 3 2 1 2,98.9 3,89. Gross loans by countries 3,297.2 3,417.7 3,69.6 2,38.9 2,388.3 2,525.1 2,586. 2,722. 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Hungary Bulgaria Croatia Slovakia Romania Serbia Change Q/Q +79.3% -1.8% +15.4% +27.8% (adj*:+18.5%) +5.2% 4 3 2 1 3,145.1 3,237.7 Deposits by business lines 3,428.2 3,518.2 2,421.1 2,42.5 2,562.9 2,58.8 3,715.4 2,74.1 564.8 595.7 662.2 695.6 774.4 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Corporate Municipal Retail Q/Q: +5.6% Y/Y: +18.1% Change Q/Q +6.2% -16.9% +11.3% 4 3 2 1 3,145.1 3,237.7 Deposits by countries 3,428.2 3,518.2 3,715.4 2,371.6 2,426.8 2,586.1 2,63.1 2,698.4 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Change Q/Q +28. +14.7% +15.9% +13. +2.6% Hungary Bulgaria Croatia Slovakia Romania Serbia * Adjusted growth rate, including loans booked outside DSK balance sheet. 11

NPL ratio stood at 4.2% on June 3, 26 6 5 4 3 2 1 Volume of qualified loans 55.6 417.6 42.7 428.6 71 371.1 6 64 87 49 53 26 35 23 32 28 28 24 25 23 272 31 32 35 294 25-6-3 25-9-3 25-12-31 26-3-31 3-Jun-6 To be watched Below average Doubtful Bad 16% 12% 8% 4% Qualified and NPL ratio 12.4% 13.5% 12.8% 12.5% 13.7% 3.3% 3.8% 3.6% 3.9% 4.2% 9.1% 9.7% 9.1% 8.6% 9.5% 25-6-3 25-9-3 25-12-31 26-3-31 3-Jun-6 To be watched NPL 45 36 27 18 9 Coverage 23.4% 23.1% 24.1% 24.8% 21.8% 371 87 96 11 16 11 418 421 429 56 25-6-3 25-9-3 25-12-31 26-3-31 3-Jun-6 Qualified loans Provisions Coverage 5 4 3 2 1 1.2% 1..8%.6%.4%.2%. Cost of risk 1.14%.99%.85%.81%.7.38% 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 12

Capital adequacy ratio of OTP Bank stood at 1,74% on June 3, 26 Consolidated shareholder s equity Non-consolidated shareholders equity 7 6 5 4 3 2 1 Q/Q: +11.1% Y/Y: +25.7% 476.3 523.9 547.5 539.1 598.7 6 5 4 3 2 1 Q/Q: +6.3% Y/Y: +12.5% 426.2 465.2 473.3 451.1 479.3 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Capital adequacy of OTP Group (aggregated, HAR)* Capital adequacy of OTP Bank (HAR)** 15% 12% 9% 6% 3% -3% 13.27% 13.53% 13.11% 13.32% 13.12% 13.83% 13.99% 13.46% 13.42% 13.5% -.56% -.45% -.36% -.1.7% 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Tier 1 Tier 2 11.55% 11.63% 1.53% 1.39% 1.3% 1.24% * According to Hungarian regulation, in case of aggregated capital adequacy calculation, goodwill must be deducted from Tier 2 capital ** Deductions of investments in financial institutions and limit breaches are deducted from Tier 1 and Tier 2 capital proportionally 15% 12% 9% 6% 3% 1.55% 1.92% 1.74% 1.29% 1.28% 1.22% 9.26% 9.64% 9.51% 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Tier 1 Tier 2 13

Net interest margin dropped by 12 bps, without swaps grew by 3 bps compared to 1Q 26 HUF b n 1 8 6 4 2-2 76.9 74.8 3.4 Net interest income 8. 3.7 75.7 76.4 71.3 73.1 73.7-1.1 74.6 82.4-3.3-9.3 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Net interest income w/o swap Q/Q: +2.5% (w/o swap: +1.4%) Y/Y: -4.9% (w/o swap: +11.9%) Net swap interest result Net interest margin 7. 6.5% 6.52% 6.32% 6.32% 6. 6.23% 6.3% 6.23% 5.6 6. 5.9 5.5% 5.81% 5.51% 5. 5.35% 5.23% 4.99% 4.91% 4.5% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Net interest margin NIM after provisioning NIM w/o swap Mrd Ft 15 1 5-5 Total result on FX swaps, non-consolidated 12.6 9.3 2.6 2.6 2.5 2.4 2.6 4.5 2..5-1.8 2.1 -.6-6.9-1. Bps 1 5-5 64 Quarterly changes of net interest margin 4-29 9 9-29 -97-43 -12 3-1 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26-1 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Interest result FX gain Total FX-swap result Net interest margin NIM w/o swap 14

Cost income ratio increased by 23 bps to 55.9% in 2Q 26 8 6 4 2-2 Non interest income 71.5 63.8 64.5 56.3 48.8 18.5 19.3 19.4 18. 18.3 28.8 29.9 34.2 33.5 35.8 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Q/Q: +1.9% Y/Y: +46.4% Other Insurance Dividend Real estate trx, net Securities, net Forex, net Fee and comm. i 7 6 5 4 3 56.8% 56.7% 56.2% 5.2% 49.7% Cost/income ratio 51.8% 53.5% 47.1% Q/Q: +23 bp Y/Y: -9 bp 55.9% 5.9% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 with insurance without insurance 1 8 6 4 2 Non interest expenses 84.4 8.9 79.4 73. 75.6 27.2 29.7 27.3 24.3 24.4 18.7 11.9 13.8 16.1 15.7 6.2 6.3 4.9 5.4 6.6 23.9 24.4 27.9 22.7 26.4 3.7 5.2 6.2 6.3 8.1 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Q/Q: +11.6% Y/Y: +15.6% Other expenses Insurance expenses Depreciation and amortization Personnel expenses Fee and commission expenses 6 5 4 3 2 1 38.8% 28.4% 19.9% Non int. income/total income 46. 37.3% 17.8% 41.3% 32.4% 47.5% 38.7% 49.4% 42.1% 2.6% 2. 19.2% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Total Without insurance Net fees 15

Net fees and commissions increased by 1.8% Q/Q and by 1.9% Y/Y Fee and commission income Fee and commission expenses 4 3 2 1 Q/Q: +7. Y/Y: +24.6% 28.8 29.9 5.2 6 8.5 8.8 8.2 9.2 34.2 33.5 7.6 5.4 9.5 1. 1.4 1.8 5.8 4.9 6. 6.9 7.6 9.5 35.8 5.4 1.6 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 1 8 6 4 2 Q/Q: +29.3% Y/Y: +115.9% 3.7.6 1.6 5.2 2.1 1.7 6.2 6.3 2.3 2.4 1.9 2.1 1.2 1. 1.5 1.3 1.8 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 8.1 3.2 2.5 Loans Deposits Card business Securities Other fees Loans Deposits Card business Securities Other fees Net fees and commission Net fees to average assets 4 3 2 1 Q/Q: +1.8% Y/Y: +1.9% 25. 24.7 4.6 3.9 7. 7.1 7.6 8.1 9.2 9.7 28.1 27.2 27.7 5.4 3 2.2 7.5 8.1 1. 1.4 Change Q/Q (Y/Y) -26.4% (-52.3%) +12. (+7.7%) +9. (+16.6%) +3.6% (+28.6%) 2.5% 2. 1.5% 2.12% 2.6% 2.21% 2.4% 1.98% 4.6 3.9 4.5 5.6 5.7 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 +2.2% (+25.1%) 1. 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Loans Deposits Card business Securities Other fees 16

Personnel expenses were higher by 16.4%, while other non-interest expenses grew by 21.7% q/q Personnel expenses Other non-interest expenses 4 Q/Q: +16.4% Y/Y: +1.6% 4 Q/Q: +21.7% Y/Y: +22.3% 3 26.1 23.9 24.4 27.9 22.7 26.4 3 24.3 27.2 27.3 24.4 29.7 2 2 1 22.2 22.1 25.5 21.5 24.9 1 21.8 24.5 24.6 21.7 26.9 4Q 24 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 IFRS 2 effect Personell expenses w/o IFRS 2 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Special banking tax Other expenses w/o special banking tax Depreciation Net insurance income 1 Q/Q: -3.7% Y/Y: +28.4% 1 Q/Q: +24.3% Y/Y: +115.7% 8 6 4 2 4.9 5.4 6.2 6.6 6.3 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 8 6 4 2 2.1.6 6. 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3.7 4.6 17

Consolidated ROE stood at 32.9%, ROA at 3.34% in 2Q 26 Profit after tax EPS, diluted 5 4 Q/Q: +1.2% Y/Y: +22.7% 38.1 41. 4.9 46.2 46.7 HUF 2 15 145 155 155 179 18 3 2 1 1 5 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Return on average equity (ROE) Return on average assets (ROA) 5 5% 4 3 33.6% 32.8% 3.5% 34. 32.9% 4% 3% 3.23% 3.41% 3.23% 3.47% 3.34% 2 2% 1 1% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 18

Within domestic subsidiaries OTP Garancia Insurance reached HUF 2.6 bn; Merkantil Group HUF 2. bn; OTP Fund Management HUF 1.1 bn profit after tax OTP Bank (non-cons) OTP Mortgage Bank Merkantil Group OTP Garancia Insurance OTP Fund Management 26 2Q Change 26 2Q Change 26 2Q Change 26 2Q Change 26 2Q Change Main balance sheet items, Q-o-Q Y-o-Y Q-o-Q Y-o-Y Q-o-Q Y-o-Y Q-o-Q Y-o-Y Q-o-Q Y-o-Y Total assets 3,955.8 5.2% 23.5% 1,73.3 12.8% 21. 331.3 9.7% 48.7% 172.2 4.7% 25.7% 1.9 11.1% 23.9% Shareholders' equity 479.3 6.3% 12.5% 39.2 1.7% 11.4% 27. 7.9% 39.4% 18.5-1.6% -.3% 8.7 1.9% 8.2% Main P&L items, HUF million Gross loans Gross loans Gross loans Insurance reserves Assets under management 1,66.8 3. 13.4% 9.5 3. 13.4% 247.3 7.7% 36.2% 139.1 6.1% 34. 1,166.5 6.3% 29.2% Net interest income 37,574 -.1% -12.5% 9,22-2.6% -26.9% 4,444-22. -7.5% Non-interest income 51,285 2,49 3,352 452.8% 194. 19,141-12.3% -.7% 3,9 6.2% 22.5% Premium income 18,464-4.3% -.6% Non-interest expenses 44,67 13.8% 16.3% 1,925 23.9% -2.3% 4,3 5.8% 14.4% 19,274-7.7% -6.9% 1,76 6.1% 18.8% Insurance expenses 14,24-7.9% -12.1% Profit after tax 32,93-26.1% 17.8% -384-113.8% -19.4% 1,984 17.7% -9.6% 2,558 11. 134.3% 1,122 6.2% 28.1% Total income 83,46-7.4% 17.7% 3,76-1.9% -51.6% 6,667 22.8% 4.9% 21,277-4.3% 1.1% 1,613 4.7% 27. Operating expenses 39,28 12.3% 2,372 147. 3,172 6.7% 25.9% 18,226-6.6% -7.7% 283-1.6% 23.6% Cost/income ratio 47. 7.7% -2.2% 77.1% 55.5% 62. 47.6% 11.2% 8. 85.7% -2.1% -8.2% 17.5% -1.1% -.5% Net Interest Margin 3.9% -.2% -1.4% 3.6% -1.2% -2.1% 5.6% -2.6% -3.4% 7.6% 3.2% -.7% ROA 3.33% -1.4. -.15% -1.32% -2.1% 2.51%.8% -1.63% 6.8%.34% 2.78% 43.37% 3.72% 2.44% ROE 27.6% -1..9% -4. -33.5% -53.8% 3.5% 2.3% -17.5% 54.7% 8.8% 29.8% 54.4% 7.7% 8.2% 19

Despite losing market share in some segments, OTP Group maintains its leading position on the Hungarian market Market share (26.6.3.) Change Q-Q (Y-Y) Market share (26.6.3.) Q-Q Change (Y-Y) Total assets 23.5% -.2%p (-.3%p) Total deposits 25.1% -.2%p (-2.1%p) Total loans 2.7% -.5%p (-1.2%p) Retail deposits 33.3% -.2%p (-2.1%p) Housing loans 43.9% -1.5%p (-4.5%p) Corporate deposits 1.6% +.6%p (-.9%p) FX housing loans 24. +1.p (+6.1%p) Municipal deposits 63.3% -7.6%p (+1.7%p) Consumer loans 24.9% +.3%p (+.9%p) Mutual funds 34.9% -1.8%p (-4.8%p) Corporate loans 11.2% -.6%p (-1.p) Premium income 1.2% +.1%p (-1.8%p) Municipal loans 52.2% +.4%p (-.3%p) 21

OTP Group s market share in retail deposits declined to 33.3% in Hungary Retail deposits of credit institutions Market share OTP Group 8 6 4 2 23.3% 25.1% 27. 27.6% 28.6% 5,667 5,811 5,957 5,268 5,268 639 665 748 585 619 3,59 3,48 3,669 3,724 3,719 1,93 1,169 1,359 1,422 1,49 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 35% 3 25% 2 15% 1 5% 4 38% 36% 34% 32% 3 36.8% 36.4% 36. 36. 35.6% 35.4% 34.8% 34.7% 35.3% 33.5% 34.7% 34.5% 33.3% 33.1% 32.8% Jun-5 Sep-5 Dec-5 Mar-6 Jun-6 Sight Other HUF FX Share of sight(huf only) Retail deposits Retail HUF deposits Retail FX deposits 25 Retail deposits of OTP Group 5 1 Quarterly changes in volumes 2 15 1 5 1,862.7 1,832.8 211 22 1,967.6 1,944.8 1,985.6 23 242 275 3.7% 37.4% 38.5% 31.9% 33.6% 1,176 1,139 1,199 1,117 1,97 15 164 195 24 25 326.3 38.8 343.3 345.2 363.5 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 45% 4 35% 3 25% 8% 6% 4% 2% -2% -4% 7.6% 7.4% 2.5% 2.5% 1.6% 1.5% 2.1%. -1.6% -1.2% 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 C/A Other HUF w/o maturity Other HUF FX Share of sight 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 22

OTP Group lost market share in HUF housing loans, while share in FX housing loans increased to 24. 25 2 15 1 2,55 Housing loans of credit institutions 2,175 2,283 2,367 272 372 472 566 13.2% 17.1% 2.7% 23.9% 2,526 736 29.1% 734 3 24% 18% 12% 6 5 4 3 2 Market share OTP Group 53.1% 52.9% 52.7% 52.4% 52. 48.4% 17.9% 47.4% 46.4% 45.4% 21.1% 43.9% 22.6% 23. 24. 5 6% 1 1,784 1,82 1,81 1,8 1,792 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Jun-5 Sep-5 Dec-5 Mar-6 Jun-6 HUF FX Share of FX loans Housing loans total HUF FX Housing loans of OTP Group Quarterly changes in volumes 15 12 9 6 1,19 15.9% 995 1,31 1,6 1,74 49 79 7.6% 17 12.1% 13 176 1.1% 4.9% 16% 13% 1 7% 4% 8% 7% 6% 5% 4% 3% 5.1% 3.4% 5.8% 3.6% 5. 2.8% 3.7% 6.7% 3.2% 3 947 953 953 944 933 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 1% -2% 2% 1% 1.3% 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-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 23

OTP Group market share in household s consumer loans reached 24.9% in the second quarter of 26 2 16 12 8 4 Consumer loans of credit institutions 1,858 1,618 1,53 1,38 52.1% 1,233 46.7% 31. 36.8% 41.9% 382 58 63 755 968 851 872 873 862 89 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 HUF FX Share of FX loans 6 5 4 3 2 1 35% 3 25% 2 15% 1 5% Market share OTP Group 29.7% 29.5% 28.7% 28.9% 28.1% 24. 11.2% 24.7% 24.4% 24.6% 24.9% 22. 18.6% 19.7% 16.6% Jun-5 Sep-5 Dec-5 Mar-6 Jun-6 Household's consumer loans HUF FX Consumer loans of OTP Group Quarterly changes in volumes 5 4 3 295.9 43 463. 397.9 367.2 45.9% 341.3 117 37.4% 84 213 31.8% 149 5 4 3 18% 14% 1 9.8% 14.2% 15.3% 11.8% 9. 7.6% 7.6% 8.4% 16.4% 14.8% 2 14.4% 24.7% 2 6% 1 253 257 25 249 25 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 HUF FX Share of FX loans 1 2% -2% 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-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 24

OTP Group is amongst the top players also in the corporate banking sector 9 8 7 6 5 4 3 2 1 Corporate loans (volume of credit institutions and OTP Group) 6,469 6,735 7,18 7,492 7,998 789 768 84 882 894 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Credit institutions OTP Group OTP Group market share corporate loans 45 4 35 3 25 2 15 1 5 Corporate deposits (volume of credit institutions and OTP Group) 3,89 3,336 3,444 3,846 3,91 354 363 394 384 413 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Credit institutions OTP Group OTP Group market share corporate deposits 14% 12% 11.5% 11.4% 13% 12% 11% 12.4% 12.2% 11.8% 11.4% 12.3% 12.6% 11.7% 11.8% 12.1% 11.2% 11% 1 1.6% 1.9% 1.7% 1.9% 1. 1.6% 9.6% 9.5% 1 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Corporate loans MS Non-fin. corp. loans MS 9% 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Corporate deposits MS Non-fin. corp. deposits MS In this section OTP Group contains only the Hungarian financial institutions such as OTP Bank, OTP Mortgage Bank, Merkantil Bank, OTP Building Society 25

Net asset value of OTP Funds decreased by 1.9% in 2Q 26 but increased by 16.4 % on a yearly bases 25 2 15 1 5 1,553 217 w/o Real Est.Funds Market volume of mutual funds 1,876 1,877 268 362 1,336 1,68 1,515 1,676 1,659 Market share of OTP Funds 2,78 2,84 42 425 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Real Estate Funds 8 7 6 5 4 3 2 1 576 46 37 421 Net asset value of OTP Funds 78 53 47 654 73 511 412 695 81 49 56 Assets under management 665 86 66 377 28 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 Money Market OPTIMA PALETTA QUALITY OTP-UBS Fund of Funds MAXIMA EURO DOLLAR FANTAZIA (closed end) ALFA (closed end) PRIZMA (closed end) Exclusive Inst. Equity Fund Central European Equity Fund Real Estate Fund 45% 4 35% 39.7% 37.1% 38.3% 34.8% 36.7% 33.5% 34.9% 31.9% 12 1 8 6 4 2 983 98 7 274 53 1,154 1,167 1,144 1,97 18 116 116 111 75 81 78 81 34 316 342 353 656 58 614 579 3 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 3-Jun-5 3-Sep-5 31-Dec-5 31-Mar-6 3-Jun-6 OTP market share - w/o Real Est.Fund OTP Investment Funds OTP Voluntary Pension Fund Other pension funds OTP Private Pension Fund OTP Health Care Fund Other Institutional Investors 26

OTP Garancia is the 2 th largest life insurance company in Hungary with 11.6% share of premium income Life and non-life premium income (market) Life and non-life premium income (OTP Garancia) 3 5 25 2 15 1 162.8 17.7 176.1 9. 97.1 87.6 26.8 191.8 116.7 96.9 4 3 2 19.6 21.2 19.4 2.8 19.5 7.3 8.8 7.3 9.2 8.5 5 72.8 73.7 88.5 9.1 94.9 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Life Non-life 1 12.2 12.3 12.1 11.6 11.1 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Life Non-life Market share of OTP Garancia Quarterly changes of total premium income 2 16% 12% 8% 4% 16.8% 16.8% 12. 12.4% 13.6% 12.8% 11. 11.6% 1. 1.2% 8.2% 9.1% 8.4% 7.9% 8.7% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Total premium income Life Non-life 3 25% 2 15% 1 5% -5% -1-15% 25% 17% 8% 7% 5% 3% -8% -8% -7% -6% 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 Market OTP Garancia 27

OTP Bank is represented in eight countries in the region 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 1,12 18,95 ~9, m HUF 5,735 bn HUF 46.7 bn 32.9% 55.9% 48 8,1 ~4.8 m HUF 3,956 bn HUF 32.1 bn 27,6% 47. 17.4% 96 961 ~.4 m HUF 359 bn HUF 1. bn 13.6% 58.8% 3.4% IFRS data as at June 3, 26; in case of new acquisitions local GAAP, end of 25. * Banks only ** Acquisition of Niska banka closed on March 7, 26; (consolidated since 2Q26) *** Ongoing acquisitions OTP banka Hrvatska (25) OTP Banka Slovensko Branches Employees Number of clients Total assets Profit after tax ROAE Cost/income ratio Market share CKB*** Branches Number of clients Total assets Profit after tax Market share 82 788 ~,2 m HUF 318 bn HUF.1 bn 2.9% 63.6% 2.9% OTP Banka Slovensko (22) OTP Bank Romania (24) Niška banka (26) Zepter banka (26) Kulska banka (26) Serbia DSK Bank (23) CKB Bulgaria (26) Montenegro 33 ~15 th 33 mn 3.mn 44% Niška banka** Branches Number of clients Total assets Profit before tax Market share Raiffeisenbank Ukraine*** Branches 55 Number of clients ~5 th Total assets 1,2 mn Profit before tax 39.7 mn Market share ~3.3% Raiffeisenbank Ukraine (26) 25 ~8 th HUF 11.3 bn HUF 45 mn.38% Investsberbank (26) Russia Zepter banka*** Branches Number of clients Total assets Profit before tax Market share 17 ~52 th 77 mn.7 mn ~1. Investsberbank*** Branches Number of clients Total assets Profit before 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 before tax Market share 78 ~88 th 98 mn 9.1 mn ~.4% 45 641 ~.4 m HUF 11 bn HUF -1.1 bn - 16.8% ~.6% 356 4,57 ~4.4m HUF 737 bn HUF 5.2 bn 24.5% 45.5% 14.2% 39 ~62 th 136 mn 11.8 mn ~1.4% 29

Contribution of foreign subsidiaries to the consolidated profit grew to 11.5% DSK Group OTP Banka Slovensko OTP banka Hrvatska* OTP Bank Romania 26 2Q Change 26 2Q Change 26 2Q Change 26 2Q Change 26 2Q 26 1H Change Main balance sheet items, Q-o-Q Y-o-Y Q-o-Q Y-o-Y Q-o-Q Y-o-Y Q-o-Q Y-o-Y Y-o-Y Total assets 737.4 16.2% 44.6% 318.3 1.6% 32.3% 359.3 9.4% 33.1% 11.2 65.8% 126.1% 11.3 28.3% 4.8% Gross loans* 467. 19.8% 4.2% 18.3-14. 6.9% 199.1 15.4% 48. 61.2 79.3% 245.8% 2.5 26.5% 3.5% Deposits 517.3 13. 35.1% 19.7 14.7% 28.5% 276.5 15.9% 27.5% 32.5 28. 22.2% 4.6 27.5% 2.8% Shareholders' equity 89.8 14.9% 43.4% 19.2 5.1% 22.1% 32.5 1.7% 32.5% 19.6 35. 155.2% 4.5 28.6% 4.9% Gross loans/deposits ratio 9.3% -3.8% -9.3% 94.5% -31.5% -19.1% 72. -.3% 1. 188.5% 53.9% 121.9% 54.2% Niska banka Share of foreign subsidiaries Main P&L items, HUF million Net interest income 9,586 4.4% 8.7% 1,827 8.1% 36.8% 2,84 6.5% 2.5% 685 33.8% 9.9% 188 26.3% 5. Non-interest income 3,935.6% 93.4% 1,489 126.7% -12.7% 2,214 35.6% 81.1% 812 52.6% -294. 379 12.5% 6.3% Non-interest expenses 6,287 39.1% 46.2% 2,164 12.6% -12.3% 3,16 14.9% 23.3% 2,334 57.9% 88.3% 358 19.8% 7.3% Profit after tax 5,151-4.4% 2.2% 136-42.7% -38.4% 1,47 43.1% 48.3% -1,84 45 11.5% -1.7% Total income 13,27 2.5% 24.1% 3,16 43.7% 8.9% 4,642 17.6% 43.6% 1,376 38.6%. 548 Operating expenses 6,35 38.1% 45.8% 2,8 13.2% -13.8% 2,73 14.4% 24.1% 2,213 55.1% 83.1% 339 Cost/income ratio 45.5% 11.7% 6.8% 63.6% -17.1% -16.7% 58.8% -1.6% -9.3% 16.8% 17.1%. 61.9% Net Interest Margin* 5.6% -.4% -1.3% 2.4%.. 3.3% -.1% -.28% 3.1% -.3%.1% 6.9% ROA 3. -.53% -.35%.18% -.17% -.22% 1.22%.28%.14% -4.91% -1.8% 1.35% 1.63% ROE 24.5% -4.3% -4.1% 2.9% -2.5% -2.8% 13.6% 3.8% 1.7% -25.4% -8.9% 13. 4. Market share, % Total assets 14.2% -.6%.6% 2.9%..1% 3.4% -.1%. - - -.4% Retail loans 36.3% -.9% -1.4% 3.8% -.1% -.1% 3.9%..1%.8%.5%.8%.3% Corporate loans 7.7%.8% 2.3% 4.3% -1.9% -2.6% 3..2%.1%.9%.1%.4%.1% Retail deposits 22.9% -.5% -1.2% 2.4%. -.1% 5.5%. -.2%.5%.1% -.1%.4% Corporate deposits 7.2% -.2%.6% 3..3%.1% 2.2%.4%.2%.5%.1% -.1%.3% * In case of DSK, volume of loans adjusted by loans sold were HUF 527 bn (+18.5% q/q, +48.5% y/y), net interest margin calculated in BGN was 6.4% (-33bp q/q, -88bp y/y). 3

The austerity package focuses almost solely on budget s revenue side thus preserving the current unhealthy structure on the expenditure side Structure of the fiscal savings expenditures 19% 27 OTP s comments on the economics of the austerity package The budget deficit will be reduced primarily through tax increases, with 8 of total government savings coming from the revenue side. income 81% 26 expenditures 36% income 64% Most (6) of the additional tax burden is paid by a small group of employees (1). Implementation risks are high due to tax avoidance. Tax hikes deteriorate international competitiveness besides the inflationary and negative growth effects. Structure of fiscal adjustments by sectors government sector 9% 27 Most of the expenditure cuts derive from the reduction in price subsidies. corporate sector 28% government 12% corporate 26 sector 18% households 7 Source: OTP Bank Research Department household sector 63% Despite the temporary improvement, lower fiscal deficit may not be maintained in the long run without the restructuring of the social welfare system and public services, such as health care, education, pension system and public administration. International examples proved that income-based fiscal tightening is not successful in the long run and has a tendency to soften as parliamentary elections approach. 32

Governments approach to stabilize state budget sacrifices higher economic growth than expected earlier Budget deficit ESA-95, as % of GDP Assumptions in the original strategy 6.5 7.3 7.7 6. 4.7 3.7 3.7 '4 '5 '6 '7 '8 '9 '1 Effects of the austerity package HUF 55 bn unexpected increase in government spending (ineffective spending freeze in 25 hit 26, accounting of motorway investments, plus excess liabilities from privatisation legal cases) will push 26 budget deficit as high as 1.4%. The austerity package drives the adjustment. However, traditional loosening before the 21 elections may increase the deficit again, which would hinder Euro-zone entry before 213. New forecasts 1.4 6.5 7.5 6.1 4. 4.8 6.1 '4 '5 '6 '7 '8 '9 '1 Household consumption growth, % 3.6 1.4 3.9 2.5 2.7 2.8 3.3 '4 '5 '6 '7 '8 '9 '1 With households real income falling by 4%, household consumption is expected to decline by 3% in 27 as opposed to the slowdown expected in the previous forecast. In contrast, the rebound in 29-21 will be faster. 3.6 3.8 4.4 1.4 2.1.7-3. '4 '5 '6 '7 '8 '9 '1 Real GDP growth, % 5.2 4.1 4.5 3.7 3.6 4.1 4.4 '4 '5 '6 '7 '8 '9 '1 As a result of the planned fiscal measures, real GDP growth will be lower by 1.3% in 27. This will be offset by higher growth in 9-1, resulting in the same level of national income by the end of the decade as in the original strategy. 5.2 5.4 4.1 4.1 3.7 4.3 2.4 '4 '5 '6 '7 '8 '9 '1 Inflation avg % 6.7 3.6 1.8 3. 3.5 3. 3.3 '4 '5 '6 '7 '8 '9 '1 The fiscal adjustment will be implemented partly through hikes in taxes and reductions in price subsidies. This will lead to 1-2 ppt higher inflation figures in the years to come. 6.7 5.5 3.6 3.5 3.7 3.5 3.5 '4 '5 '6 '7 '8 '9 '1 Source: NSO, OTP Bank Research Department 33

Expectations on monetary conditions shifted to weaker HUF (HUF/EUR up by 15-25 HUF) and 15-2 bps higher interest rates Comparing new estimate on NBH base rate to forecasts in the original strategy and current market forward swap yields 1 The chance for a sudden and sharp rate hike 9% decreased: 8% 7% 6% 5% 4% Comparing new estimate on HUF/EUR exchange rate to our forecasts in the original strategy 285 28 275 27 265 26 255 25 245 24 1Q '6 2Q '6 3Q '6 4Q '6 1Q '7 2Q '7 2bp 3Q '7 4Q '7 1Q '8 Actual OTP forecast Strat egy 26, baseline scenario 1Q '5 2Q '5 3Q '5 4Q '5 1Q '6 2Q '6 3Q '6 4Q '6 1Q '7 2Q '7 3Q '7 4Q '7 1Q '8 2Q '8 3Q '8 4Q '8 1Q '9 2Q '9 3Q '9 4Q '9 1Q '1 2Q '1 3Q '1 4Q '1 Actual OTP forecast Strategy 26, alternative scenario 2Q '8 HUF 25 3Q '8 4Q '8 1Q '9 2Q '9 3Q '9 4Q '9 1Q '1 2Q '1 Strategy 26, baseline scenario 3Q '1 4Q '1 Forward curve Strategy 26, alternative scenario 15bp HUF 15 Budget deficit decreases significantly in 27, reducing external imbalances and the risk of a crises and the required risk premium. The market expects the exchange rate remain weak. But moderate and gradual rate hikes are unavoidable: Probability of overshooting the 3% +/-1% middle-term inflation target of the national bank for 28 is high (we expect 3.5-4. CPI for 28). Rebuilding credibility calls for rate-hikes to stabilize and strengthen the exchange rate. Interest rate scenario applied for planning is conservatively lower than expectations implied by current market prices Source: Bloomberg, OTP Bank Research Department 34

Income shock will be split between consumption and net savings, and slow down the credit driven financial deepening Estimated change in households net real income 26-21 % (25 = 1) 12 115 11 15 1 95 9 As a result of the bigger than expected but revenue-based fiscal tightening we expect: Lower gross wage dynamics in 27-28; Decreasing net wages in 27, as a result of the announced hikes in taxes and social contributions. Source: OTP 25 26 27 28 29 21 Net real income from wages and salaries - Strategy Net real income from wages and salaries - Actual forecast Real disposable income - Strategy Real disposable income - Actual forecast The income shock will be split between consumption and net savings, and slow down the credit driven financial deepening: We expect the effect on income to be split between consumption and savings in a ratio of 1/2-1/2 in 26 and of 2/3-1/3 in 27-28. Net incurrence of loans (banking and nonbanking together) in 26 will be lower by nearly HUF 1 billion, and by 1.2% of GDP in 27 (HUF 3 billion) and 28 (HUF 35 billion). The lower flows will cut household banking loan volume 27-28 CAGR from 18% to 12%, with acceleration after 28. CAGR estimate for 26-21 falls from 17% to 15%. The gross saving rate will be lower by.5 percentage point in 26 (HUF 11 billion), and 1.6-1.7 percentage point in 27-28 (HUF 4 and 46 billion) compared to our original strategic plan for 26-21, thus CAGR for 26-28 of households financial assets will decrease to 6.5% from 8%, and from 1 to 9% from 26-21. 35

Impacts of the austerity package will cause app. 5-1 decrease of OTP Group s net results between 26 and 21 Austerity package in Hungary ESTIMATE Bottom line effect compared to strategic plan published in April 26, 26 27 21 CAGR Original strategy s profit target (published on April AGM) Major effects of government program on OTP Bank Direct impact of tax increase Indirect macroeconomic effects Higher interest level Weaker exchange rate Slower loan and deposit growth Higher risk cost Total effect of the austerity package New net profit target with impact of austerity package 185-3 +3 185 28-12 +3-9 199 317-15 -9-25 293 15% 12% Recent acquisitions in CEE Major acquisition developments Entering into Ukraine buying 7th largest bank Entering into Russian market Merge of 3 small banks in Serbia to reach economies of scale Planned issue of hybrid and subordinated capital elements ensures financing Estimated effect of acquisitions* New net profit target * Based on the due diligence and the local management s own projections and not on OTP Bank s own strategic planning model, thus they carry certain risk. 185 +23 222 +52 345 17% 36

OTP has entered new markets with high growth and excellent value creation opportunity Strong growth potential Total loans as % of GDP, 25 (bars) and expected CAGR of loans in LCY 25-21, (in circles) 55 37 44 67 34 25 3 4 29 HU SK BG CR U RU SE CZ PL 14 13 21 1 25 26 37 Value creation opportunity Net interest margin of the banking system, %, 25 3.6 2.3 4.7 3. 4.7 5. 5.4 2.3 3.1 HU SK BG CR U RU SE CZ PL Source: National banks, OTP Low current penetration, less uncertain expectations, lower interest rates, better risk management and product development support booming lending Savings side penetration similarly low Good opportunities in transaction business Interest rate margins still high in the newly entered markets The acquired Serbian and Russian banks has large cost efficiency potential Economies of scale can be leveraged stronger Medium term (3-5 years) principle investment targets unchanged for newly acquired banks: 15% ROIC Above 5% market share in key segments 37

Main characteristic of OTP Bank s ytd acquisitions Date of trx Price P/BV Equity, m Total assets, m Profit bt, m No of branches IRB (SK) 22 17 m.5 OTP Banka Slovensko +16% 38 76 489 +22% 126-15 6 +3 52 82 DSK Bank (BG) 23 311 m 2.2 139 +34% 355 184 +36% 2918 25 +78% 79 294 +62 356 RoBank (RO) 24 39 m 1.9 OTP Bank Romania 2 +71% 77 128 +63% 436-9 +31 14 45 Nova banka (HR) 25 236 m 2.8 OTP banka Hrvatska 76 +24% 128 163 +18% 1422 +57% 1 15 +7 89 96 Bank acquisitions until 25: 63 m 637 m 6,35 m 91 m 579 Niska banka (SE) 26 14 m.9 18 m 38 m.3 m 24 Zepter banka (SE) 26 34 m 2.8 17 m 77 m.7 m 17 RBUA (UA) 26 65 m 4.7 139 m 1,229 m 42.5 m 55 Investsberbank (RU) 26 373 m 3.8 12 m 98 m 9.1 m 78 Kulska banka (SE) 26 119 m 2.6 69 m 136 m 11.8 m 39 CKB (CG) 26 15 m 5.4 19 m 33 m 3.3 m 33 Bank acquisitions in 26: 1,294 m 363 m 2,762 m 68 m 213 at the date of acquisition 26 2Q CAGR between date of trx and 2Q 26 38

Entering Ukraine, Russia and Serbia is a significant step in OTP s growth story Key descriptive data of enlarged OTP Group OTP Group excluding new subsidiaries Newly acquired subsidiaries Enlarged OTP Group total Number of branches (25) 976 213 1,189 (+22%) Number of clients (25) ~1 million ~1.1 million 11.1 m (+12%) Total loans (26F, EUR) 15 bn 2.5 bn 17.8 bn (+16%) Total revenues (26F, EUR) 2.2 bn.4 bn 2.6 bn (+14%) Net profit (26F, EUR).7 bn.1 bn.8 bn (+13%) Source: OTP 39

After new acquisitions, OTP Group s targeted profit growth increases to 17% between 26 and 21 ESTIMATE Austerity package in Hungary Bottom line effect compared to strategic plan published in April 26, 26 27 21 CAGR Original strategy s profit target (published on April AGM) Major effects of government program on OTP Bank Direct impact of tax increase Indirect macroeconomic effects Higher interest level Weaker exchange rate Slower loan and deposit growth Higher risk cost Total effect of the austerity package New net profit target with impact of austerity package 185-3 +3 185 28-12 +3-9 199 317-15 -9-25 293 15% 12% Recent acquisitions in CEE Major acquisition developments Entering into Ukraine buying 7th largest bank Entering into Russian market Merge of 3 small banks in Serbia to reach economies of scale Planned issue of hybrid and subordinated capital elements ensures financing Estimated effect of acquisitions* New net profit target * Based on the due diligence and the local management s own projections and not on OTP Bank s own strategic planning model, thus they carry certain risk. 185 +23 222 +52 345 17% 4

Further information OTP Bank Investor Relations Tel: + 36 1 473 546 E-mail: investor.relations@otpbank.hu + 36 1 473 5457 Website: www.otpbank.hu Fax: + 36 1 473 5951 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.