OTP Bank Plc

Capital/Financing Update • Oct 30, 2025

Reference number: IR-334/2025

30 October 2025

Extraordinary announcement

Rating changes

The OTP Bank Plc. hereby announces that according to the press release published on 30 October 2025 by Moody's Ratings, the rating agency has upgraded OTP Bank's subordinated bond rating to 'Ba1' from 'Ba2' and its long-term Counterparty Risk Ratings to 'A3' from 'Baa1'. Further, the rating agency has changed the outlook of the 'Baa1' long-term deposit rating to stable from positive and of the 'Baa3' senior unsecured debt rating to stable from negative. All other ratings and assessments of OTP Bank have been affirmed.

At the same time, Moody's Ratings has upgraded OTP Mortgage Bank's long-term Counterparty Risk Ratings to 'A3' from 'Baa1' changed the outlook on its ꞌBaa3ꞌ backed long term domestic currency issuer rating to stable from negative. All other ratings and assessments of OTP Mortgage Bank have been affirmed.

OTP Bank Plc.

OTP Bank Plc. Postal address: P.O.B.: 501 Budapest H-1876 Hungary E-mail: investor.relations@otpbank.hu Internet: www.otpbank.hu

Address: Nádor street 16. Budapest H-1051 Hungary