OTP Bank Plc

Capital/Financing Update • Nov 7, 2025

Reference number: IR-347/2025

7 November 2025

Extraordinary announcement

Result of additional capital requirement

OTP Group informs capital market participants, that following the group-wide Supervisory Review and Evaluation Process (SREP) the National Bank of Hungary plans to impose the below additional capital requirements for OTP Group, on a consolidated level, from 1 January 2026:

• 1.01%-points in case of the Common Equity Tier1 (CET1) capital, accordingly the minimum requirement for the consolidated CET1 ratio is 5.51% (without regulatory capital buffers);
• 1.34%-points in case of the Tier1 capital, accordingly the minimum requirement for the consolidated Tier1 ratio is 7.34% (without regulatory capital buffers);
• 1.79%-points in case of the Total SREP Capital Requirement (TSCR), accordingly the minimum requirement for the consolidated capital adequacy ratio is 9.79% (without regulatory capital buffers).

The final joint decision on additional capital requirements is expected to be made by the Competent Authorities by the end of this year.

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