Slides
Page 1
MBH Group 1H 2026 results Investor Presentation 27th August 2026
Page 2
2 Executive summary 3 Business environment 5 Financial performance 10 Additional information 22 Annexes 28 Disclaimer 38 We kindly draw your attention to that in this presentation MBH Bank’s underlying financial performance presented – if not stated otherwise – using adjusted financial figures (alternative performance measurement indicators – APM). For definition and calculation methodology of alternative performance measurement indicators please refer to 1H 2026 Report chapter 4.1. – Financial indicators. This presentation is to support the understanding of the underlying financial performance of MBH Group, and it is a close and inseparable part of the 1H 2026 Report. Methodology update: In 2Q 2026, the scope of the adjustments applied in the Bank's quarterly flash report has changed with the inclusion of the impact of the interest rate cap among the adjustments. To ensure comparability, this report also includes data calculated retrospectively using the new methodology. We expect this to be only a temporary change.
Page 3
Executive summary
Page 4
4 Key highlights of 1H 2026 Market shares ROE* 12.2% Loans +2.1% y/y LCR 145.0% NPL 3.6% CAR 20.9% Corporate Lending 18.2%, Deposit 18.6% Retail Lending 18.8%, Deposit 15.3% Leasing Portfolio 26.6% MBH Fund management 8.2% Agri and food loans** 25.8% * ROE (PAT, ADJ) – adjusted data, for details see page 12.; ** Data of 1Q 2026
Page 5
Macro environment
Page 6
6 Macroeconomic growth indicators Consumption remains the driver of growth GDP , investment and consumption (%) Average inflation and wage growth (y/y, %) Hungary Poland Romania Euro area USA 0.5% 3.6% 0.7% 1.4% 2.1% Real GDP 2022-2025 (%) Sources: Eurostat, KSH, Bloomberg, MBH Industry and retail sales (y/y, %) -3.0% -2.1% 2023 Q1 -2.5% -2.0% -9.2% 2023 Q2 0.0% -1.3% -9.2% 2023 Q3 0.6% 1.4% -1.3% 2023 Q4 1.1% 5.6% -4.7% 2024 Q1 1.7% 6.0% -10.8% 2024 Q2 -0.2% 6.0% -9.6% 2024 Q3 0.2% 7.8% -8.0% 2024 Q4 0.0%-0.3% 3.1% -4.2% 2025 Q1 0.3% 3.3% -4.9% 2025 Q2 0.8% 1.8% 2.1% -2.4% 2025 Q3 0.8% 2.9% -11.0% 2025 Q4 1.7% 2022 Q4 4.9% -0.1% 2026 Q1 1.7% 2026 Q2 -0.2% 4.3% 1.4% -1.4% 2026 F 3.1% 3.2% 5.2% 2027 F 1.6% 17.6% 2022 Q4 25.4% 11.0% 2023 Q1 21.9% 16.3% 2023 Q2 15.4% 14.5% 2023 Q3 7.8% 14.8% 2023 Q4 3.7% 14.2% 2024 Q1 3.8% 13.8% 2024 Q2 3.5% 13.1% 2024 Q3 3.8% 11.7% 2024 Q4 5.3% 9.2% 2025 Q1 4.4% 9.1% 2025 Q2 4.3% 9.1% 2025 Q3 3.8% 8.7% 22.7% 1.8% 15.1% 2026 Q1 1.9% 2026 Q2 2025 Q4 9.0% 2026 F 3.1% 7.0% 2027 F 2.0% Inflation Wage growthGDP Growth (y/y) Consumption of households Investment -4.6% -9.0% 2023 Q1 -5.3% -10.7% 2023 Q2 -4.1% -6.7% 2023 Q3 -5.5% -3.8% 2023 Q4 -1.4% 1.1% 2024 Q1 -3.6% 2.8% 2024 Q2 -6.2% 3.3% 2024 Q3 -4.1% 3.3% 2024 Q4 -5.3% 2.6% 2025 Q1 -3.2% 3.1% 2025 Q2 -2.6% 2.7% 2025 Q3 -3.2% 3.5% 2025 Q4 0.9% 5.1%5.5% 3.5%-1.1% 3.8% 2022 Q4 2026 Q2 2026 Q1 4.4% 2026 F 6.0% 3.5% 2027 F 4.1% Industrial production (quarterly average of monthly year on year) Retail sales (quarterly average of monthly year on year) * Jan. wage growth data was affected by the payment of the ’service premium’ (the so-called ’firearms money’) for the army and the law enforcement personnel corresponding to six-month salary in January 2026. *
Page 7
7 Macroeconomic stability indicators Stability indicators are unlikely to improve in 2026 Public debt (GDP%) Romania Poland Euro Area USA -7.9 -0.9 1.7 -3.6 Current account balance (GDP%) Romania Poland Euro Area USA 59.3 59.7 87.4 99.5 Romania Poland Euro Area 25.1 7.4 -3.2 Budget balance (GDP%)Net external debt (GDP%) Romania Poland Euro Area USA -7.9 -7.3 -2.9 -5.4 Sources: Eurostat, Bloomberg, MBH Research Centre forecast * MBH calculations based on World Bank 22 FY 23 FY 24 FY 25 Q1 25 Q2 25 Q3 25 Q4 26 Q1 74.1 73.3 73.5 75.3 76.0 75.0 74.6 77.7 Hungary Hungary HungaryHungary 22 FY 23 FY 24 FY 25 Q1 25 Q2 25 Q3 25 Q4 -1.7 8.9 15.2 15.4 19.2 18.0 17.0 26 Q1 16.6 22 FY 23 FY 24 FY 25 Q1 25 Q2 25 Q3 25 Q4 -9.0 0.0 1.8 2.9 2.0 1.9 0.6 26 Q1 0.3 22 FY 23 FY 24 FY 25 Q1 25 Q2 25 Q3 25 Q4 -6.2 -7.0 -5.1 -7.0 0.4 -4.5 -7.6 26 Q1 -10.6 *
Page 8
8 Interest rate and FX rate environment Temporary pause can come in rate cuts after the easing this summer 3M rates (%) 5Y bond yields (%) 10Y bond yields (%) Source: Bloomberg, MBH Research Centre forecast Czechia Romania Poland USA Euro area 3.83 5.84 3.85 3.73 2.32 Czechia Romania Poland USA Germany 4.08 6.55 4.71 4.23 2.59 Czechia Romania Poland USA Germany 4.56 6.70 5.26 4.47 2.86 Short-term rates Long-term rates FX rates (01.01.2025=100%) 09/25 12/25 03/26 06/26 09/26 12/26 03/27 6.50 6.47 6.45 5.69 5.39 5.37 5.22 Hungary 09/25 12/25 03/26 06/26 09/26 12/26 03/27 6.43 6.43 7.13 5.02 5.51 5.52 5.50 Hungary 09/25 12/25 03/26 06/26 09/26 12/26 03/27 6.82 6.77 7.13 5.03 5.52 5.52 5.57 Hungary
Page 9
9 2022 2023 2024 1Q 2025 2Q 2025 2025 1Q 2026 2Q 2026 2026 2027 15,221 15,968 17,029 16,365 16,087 17,434 17,460 16,732 17,938 19,108 +4.0% -4.2% Corporate loan volumes (HUF bn) Source: MNB, MBH Research Centre forecast * The sector data in 2Q was impacted by the inclusion of deposits held at a competitor – which had previously provided cross-border services and had obtained a branch licence – in the statistics, resulting in a technical increase in sector volumes (actually better reflecting the households' deposit volumes) 2022 2023 2024 1Q 2025 2Q 2025 2025 1Q 2026 2Q 2026 2026 2027 12,068 12,547 13,132 12,731 12,976 13,580 13,669 13,698 14,327 15,455 +5.6% +0.2% 2022 2023 2024 1Q 2025 2Q 2025 2025 1Q 2026 2Q 2026 2026 2027 9,399 9,654 10,601 10,859 11,226 12,204 12,794 13,483 14,508 15,523 +20.1% +5.4% 2022 2023 2024 1Q 2025 2Q 2025 2025 1Q 2026 2Q 2026 2026 2027 12,262 11,498 12,795 13,490 13,636 14,015 14,979 15,325 15,784 17,188 +12.4% +2.3% Corporate deposit volumes (HUF bn) Household loan volumes (HUF bn) Household deposit volumes (HUF bn) Banking sector Dynamic growth in household loans, more muted in corporate loans *
Page 10
Financial performance
Page 11
11 ▪ Adjusted return on equity reaching 12.2% in 1H 2026 (accounting ROE at -3.7%). ▪ HUF 74.7 bn adjusted profit after tax (-23.5% y/y) and HUF -22.5 bn accounting profit after tax (HUF -76.1 bn y/y) in 1H 2026. The y/y decrease of adjusted profit in 1H was mainly driven by decrease in net interest income and increase in risk cost charges and in operating costs. ▪ Total adjusted comprehensive income for 1H 2026 amounted to HUF 88.1 bn (+0.9% y/y). 23.8% Close to HUF 75 bn adjusted profit in 1H 2026 4.8 2Q 2025 1Q 2026 -3.1 2Q 2026 1H 2025 1H 2026 40.1 54.1 20.7 97.7 74.7 35.3 -19.4 73.5 23.8 53.5 44.2 -22.5 97.3 12.4% -6.3% -1.0% 9.5% -3.7% Accounting PAT Adjustments on PAT Accounting ROE Adjusted TOCI (HUF bn) Adjusted PAT (HUF bn), Adjusted ROE1 (%), Accounting ROE2 (%) 3.4 2Q 2025 -10.4 1Q 2026 2Q 2026 -10.4 1H 2025 13.4 1H 2026 43.6 43.7 44.4 87.3 88.1 40.1 54.1 20.7 23.7 97.7 74.7 Adjusted profit after tax OCI 1 ROE (PAT, ADJ); 2ROE (PAT, ACC) 14.1% 17.7% 6.8% 17.3% 12.2% Adjusted ROE 74.7 87.3
Page 12
12 Accounting profit after tax (HUF bn), ROE1 (%) PAT 1H 2026 Extra profit tax adjustment Banking tax adjustment Impact of interest rate cup Adjusted PAT 1H 2026 -22.5 52.7 20.8 23.8 74.7 -3.1 0.0 0.0 23.8 20.7 2Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 35.3 -19.4 -3.1 53.5 -22.5 -76.1 9.5% -3.7% Accounting losses at HUF 22.5 bn. Adjusting for the impact of extra profit tax, banking tax and interest rate cap, PAT for the half year stood at HUF 74.7 bn Accounting profit after tax in 1H 2026 was HUF -22.5 bn, in 2Q was HUF -3.1 bn. The year-over-year decline in accounting net income (HUF -76.1 bn) is primarily attributable to an increase in special taxes - the banking tax and extra-profit tax due for the entire year were paid in the first quarter -, increase in operating costs and risk costs, and losses on items relating to the interest-rate cap. An expected loss of 23.8 bn HUF was recognised in respect of items relating to the interest rate cap, of which HUF 6.9 bn had a negative impact on net interest income, HUF 8.5 bn on other income and HUF 8.3 bn on risk costs. 1Q Accounting profit after tax 1 ROE (PAT, ACC) Accounting ROE 2Q 1H 2026 adjusted profit after tax breakdown (HUF bn) For better understanding and comparable views of the underlying financial performance, MBH Group uses adjustments in this report. The impact of interest rate cap was added to the adjustments this quarter, in addition to the extra profit tax and banking tax. The interest rate cap was was introduced on 1 January 2022 for a period of six months and has since been extended on several occasions. Government Decree No. 84/2026 (17 April) repealed the expiry date for the mandatory application of the interest rate cap. In accordance with the legislation currently in force, in 2Q 2026, the expected loss on the full remaining term of loans subject to the interest rate cap was recognised. We expect this impact to be temporary, and once new legislation is approved, remove this item for the adjustments.
Page 13
13 MBH Group’s gross income reached HUF 283.4 bn in 1H 2026 3.7% 2Q 2025 3.6%3.6% 3Q 2025 3.3% 3.5% 4Q 2025 3.6% 1Q 2026 3.1% 2Q 2026 3.8% 1H 2025 3.3% 1H 2026 116.8 112.7 103.6 114.5 100.5 238.0 215.0 -9.7% 4.3% 2Q 2025 4.4% 3Q 2025 4.5% 4Q 2025 4.6% 1Q 2026 4.1% 2Q 2026 4.4% 1H 2025 4.4% 1H 2026 134.2 135.8 141.9 149.0 134.4 275.5 283.4 +2.9% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 -10.1 -4.7 7.6 7.5 7.2 -11.4 14.7 +26.1 0.9% 2Q 2025 0.9% 3Q 2025 1.0% 4Q 2025 0.8% 1Q 2026 0.8% 2Q 2026 0.8% 1H 2025 0.8% 1H 2026 27.4 27.8 30.8 27.0 26.6 48.9 53.7 +9.8% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 3.4 2.8 2.8 -10.4 23.7 -10.4 13.4 +23.8 ▪ Gross Operating Income reached HUF 283.4 bn (HUF +7.9 bn y/y) in 1H 2026, which is up by 2.9% year-on-year, mainly driven by the increase in net fee income and in FX results. ▪ Net interest income reached HUF 215.0 bn in 1H 2026 (-9.7% y/y). Pressure on NIM remained, driven by not only by the continuing decline in interest rates but also by increased funding costs - including the base effect of the LTRO facilities, an increase in the volumes of MREL eligible bonds and decrease in retail deposits. NIM decreased to 3.3% in 1H. ▪ Net fee & Commission income was HUF 53.7 bn in 1H 2026 (+9.8% y/y) and HUF 26.6 bn in 2Q 2026 (-1.5% q/q). ▪ Other income totalled HUF +14.7 bn in 1H 2026, increased by HUF 26.1 bn y/y. OCI amounted to HUF 23.7 bn in 2Q 2026. Gross Operating Income (GOI, HUF bn)1, TRM % Net interest income (HUF bn), NIM % Net fee income (HUF bn), NFM % Other income2 (HUF bn) Other comprehensive income (OCI, HUF bn) * * Net interest margin calculated based on without one-off items; 1 GOI does not include OCI; 2Other income include other income and results of financial transactions GOI TRM Net interest income NIM New adjustment: The impact of the interest rate cap is excluded from the GOI, it was HUF 15.5 bn in 1H 26 and HUF 3.3 bn in 1H 25. Of which, impact of interest rate cap for AC loans in net interest income was HUF 6.9 bn (1H25: HUF 2.0 bn) and for FV loans in other income was HUF 8.5 bn (1H25: HUF 1.3 bn)
Page 14
14 Leasing2 Retail1 Corporate1Customer gross loan portfolio (HUF bn) 1 Retail and corporate portfolio is presented according to MBH Bank's internal segmentation methodology, Market share: HNB segmentation, household and non-financial corporate 2 Leasing market share: partially based on Leasing Association data and internal estimates; The delta between the amount of the corporate, retail and leasing portfolios and the total gross loan portfolio is explained by other loans. 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 6,204.8 6,217.1 6,346.0 6,359.3 6,337.0 +2.1% -0.3% 602.3 27.0% 2Q 2025 620.4 27.3% 3Q 2025 626.6 26.2% 4Q 2025 633.4 26.4% 1Q 2026 637.8 26.6% 2Q 2026 +5.9% +0.7% 20.9% 2Q 2025 20.6% 3Q 2025 19.9% 4Q 2025 19.3% 1Q 2026 18.8% 2Q 2026 2,478.9 2,505.8 2,551.4 2,595.9 2,661.6 +7.4% +2.5% 3,039.5 19.8% 2Q 2025 3,005.0 19.3% 3Q 2025 3,061.5 19.1% 4Q 2025 3,041.4 18.8% 1Q 2026 2,977.2 18.2% 2Q 2026 -2.0% -2.1% Market share % 2.1% y/y increase in the total loan book, with growth primarily in the retail segment MBH’s gross loans increased by 2.1% (HUF +132.3 bn) y/y, due to the growth of retail portfolio, on a quarterly basis, the loan portfolio stagnated. Corporate Loans: ▪ Corporate loans decreased by 2.1% during 2Q – more selective approach applied in case of new large corporate lending – reaching HUF 2,977.2 bn at the end of June 2026 (-2.0% y/y). The Bank's market share stood at 18.2% by the end of the period. Retail Loans: ▪ Total retail loan portfolio was HUF 2,661.6 bn at the end of the second quarter (+2.5% q/q), while y/y up was 7.4%, thanks to organic growth in mainly housing and personal loans. Market share stood at 18.8% in 2Q 2026. Leasing: ▪ MBH Group leasing portfolio amounted to HUF 637.8 bn as of 30 June 2026, HUF 18.1 bn (+5.9% y/y) higher compared to 2Q 2025.
Page 15
15 Double-digit annual increase in both housing and personal loan volumes and new loan contracts 1,455.4 24.0% 2Q 2025 1,475.4 23.6% 3Q 2025 1,519.1 22.4% 4Q 2025 1,557.9 21.4% 1Q 2026 1,611.5 20.6% 2Q 2026 +10.7% Housing volume Market share % Please note: Retail segmentation presented on charts in this section is based on internal business segmentation of MBH Bank. Market share is presented based on HNB’s secured market. 89.4 21.0% 2Q 2025 73.7 20.5% 3Q 2025 107.6 13.5% 4Q 2025 98.7 12.7% 1Q 2026 121.7 15.3% 2Q 2026 +36.1% Housing new loan contracts Market share % 271.4 16.3% 2Q 2025 282.4 16.1% 3Q 2025 287.1 15.8% 4Q 2025 297.8 15.7% 1Q 2026 311.5 15.3% 2Q 2026 +14.8% Volume (organic) Market share % 42.0 14.8% 2Q 2025 37.8 12.2% 3Q 2025 38.4 13.5% 4Q 2025 42.6 14.1% 1Q 2026 50.8 12.6% 2Q 2026 +21.0% New loan contracts Market share % Retail housing loans – Gross volume (HUF bn) and market share (%) Retail housing loans – New loan contracts (HUF bn) and market share (%) Retail personal loans – Gross volume (HUF bn) and market share (%) Retail personal loans – New loan contracts (HUF bn) and market share (%) Retail housing loans: ▪ Retail housing loan balances were at HUF 1,611.5 bn (+10.7%, HUF +156.1 bn y/y) driven by favourable business activity. Market share of retail housing loans stood at 20.6% at the end of 2Q 2026. ▪ New loan contracts of retail housing loans increased in 2Q. Market share rose to 15.3%. Retail personal loans: ▪ Personal loan volumes increased in 2Q 2026 (+14.8% y/y, +4.6% q/q). Market share of retail personal loans stood at 15.3%. ▪ New loan contracts of retail personal loans increased in 2Q 2026, amounted to HUF 50.8 bn (+19.3% q/q, +21.0% y/y), although the market share moderated to 12.6% in the period.
Page 16
16 Retail other savings2 Retail1 Corporate1Customer deposit portfolio (HUF bn) 2.2% y/y decrease in the deposit book 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 7,925.4 7,909.9 8,343.7 8,297.7 7,751.5 -2.2% -6.6% 20.0% 2Q 2025 19.7% 3Q 2025 20.7% 4Q 2025 19.4% 1Q 2026 18.6% 2Q 2026 4,582.2 4,545.8 5,005.5 4,951.8 4,647.0 +1.4% -6.2% 1 Retail and corporate portfolio is presented according to MBH Bank's internal segmentation methodology, Market share: HNB segmentation; 2 Private individuals and Private Banking savings; other savings include securities accounts and shares, other securities; The delta between the amount of the corporate and retail portfolios and the total deposit portfolio is explained by other deposit. 3,135.5 17.6% 2Q 2025 3,095.0 17.7% 3Q 2025 3,140.2 17.2% 4Q 2025 3,176.6 16.5% 1Q 2026 2,989.4 15.3% 2Q 2026 -4.7% -5.9% 10.5% 2Q 2025 10.4% 3Q 2025 10.0% 4Q 2025 9.6% 1Q 2026 9.1% 2Q 2026 3,008.5 3,009.9 3,090.3 3,027.9 2,952.6 -1.9% -2.5% The volume of customer deposits decreased by 2.2% year-on-year. Customer deposits amounted to HUF 7,751.5 bn at the end of 2Q 2026. On quarterly basis, a 6.6% decline was observed in 2Q 2026 (HUF –546.1 bn), which was influenced by several factors: ▪ FX impact: the HUF strengthened by approximately 8% in 2Q, which reduced the reported deposit portfolio by around HUF 130 billion (25% of the decline). ▪ Elevated base: end of Q4 2025 and Q1 2026 volumes were driven up by corporate deposit campaigns and one-off central government payouts, which were partially phased out and utilized during the quarter. ▪ The trend in deposit volumes was also influenced by the decline in the stock due to strong market competition. 3 The sector data in 2Q was impacted by the inclusion of deposits held at a competitor – which had previously provided cross-border services and had obtained a branch licence – in the statistics, resulting in a technical increase in sector volumes (actually better reflecting the households' deposit volumes) 3
Page 17
17 9,4% increase in costs y/y, C/I ratio at 64.2% for 1H 2026 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 39.7 36.0 46.9 36.4 41.7 68.8 78.2 +13.6%+14.6% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 38.3 40.5 48.5 39.1 40.3 74.9 79.4 +6.0%+3.2% 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 90.1 86.8 108.1 86.6 95.2 166.2 181.9 +9.4% +10.0% 2.9% 2Q 2025 2.8% 3Q 2025 3.4% 4Q 2025 2.7% 1Q 2026 2.9% 2Q 2026 2.7% 1H 2025 2.8% 1H 2026 C/A (%) 2Q 2025 3Q 2025 4Q 2025 2Q 2026 9,064 8,951 8,997 8,919 8,628 1Q 2026 -4.8% -3.3% Operating expenses (HUF bn) Personnel expenses (HUF bn) Other operating expenses (HUF bn) Cost efficiency (%)FTE ▪ Operating expenses amounted to HUF 181.9 bn in 1H 2026 (+9.4% y/y) and HUF 95.2 bn in 2Q 2026, increasing by 10.0% q/q. ▪ Personnel expenses in 1H 2026 increased by 6.0% y/y, the growth was the impact of wage growth. Quarterly increase (+3.2% q/q) is explained by seasonal factors. ▪ 1H 2026 OPEX increased by HUF 9.4 bn (+13.6%) y/y partly driven by higher expert fees – continuation of a strategic growth program – and increased IT costs (licence costs; software maintenance, operation, support fees). Amortization costs were up by HUF 1.7 bn y/y, driven by IT investments in the examined period. ▪ C/I was 64.2% in 1H 2026, 3.8%-pts y/y growth was driven by increasing costs and decreasing income. C/A rate was 2.8% in 1H 2026 (+17 bps y/y). 67.1% 65.5% 77.2% 58.1% 70.9% 60.3% 64.2% C/I (%) 396 396 396 395 396 Branch number1 1 without MFB Point branches; 2 cost increase y/y without the impact of acquisition +8.7%2
Page 18
18 HUF 14.6 bn risk cost charge in the quarter 1 According to IFRS, held for sale and FVTPL portfolio is not included. 2 Taking the management overlay into account NPL: on-balance non-performing exposure to customers based on supervisory reports according to NBH methodology. *NPL coverage: Total provision for customer loans / NPL portfolio; -5.30.6 2Q 2025 -24.7 0.7 3Q 2025 -25.5 2.8 4Q 2025 -6.40.6 1Q 2026 14.4 0.2 2Q 2026 -8.30.9 1H 2025 8.0 0.8 1H 2026 -4.7 -23.9 -22.7 -5.8 14.6 -7.4 8.8 4.7% 2Q 2025 4.3% 3Q 2025 3.6% 4Q 2025 3.6% 1Q 2026 3.6% 2Q 2026 Total coverage% 2.6% 4.7% 1.3% 2Q 2025 2.8% 4.9% 1.1% 3Q 2025 2.4% 5.1% 1.1% 4Q 2025 2.3% 5.1% 1.2% 1Q 2026 2.2% 5.6% 0.9% 2Q 2026 Retail Corporate Leasing 134.3% 117.8% 102.6% 101.0% 98.9% NPL coverage%* Total risk cost (HUF bn) Coverage (%) NPL exposures (HUF bn) and rate (%)1 NPL rates (%)1 ▪ The total amount of risk cost was HUF 8.8 bn charge in 1H 2026, HUF 14.6 bn in 2Q 2026, excluding the impact of interest rate cap for Stage 2-3 loans. ▪ The total portfolio coverage stood at 3.6% in the period. The NPL coverage was 98.9% in 2Q 2026. ▪ The amount of NPL loans was HUF 229.7 bn at the end of 2Q 2026, increased by HUF 6.1 bn (+2.7% q/q) over the period. We don’t observe any systematic deterioration in the portfolio quality. ▪ NPL% ratio is 3.6% in 2Q, minimally increased over the period. 3.5% 2Q 2025 3.6% 3Q 2025 3.5% 4Q 2025 3.5% 1Q 2026 3.6% 2Q 2026 215.1 224.3 225.1 223.5 229.7 +2.7% -0.4% -1.5% -1.6% -0.4% 0.9% -0.3% 0.3% Credit risk cost ratio %Credit risk cost Other provisions and impairments 2 The impact of interest rate cap for Stage 2-3 loans in risk cost was HUF 8.3 bn in 1H 26 and HUF 2.0 bn in 1H 25.
Page 19
19 Stable capital position – q/q increasing capital adequacy 18.3% 18.7% 2Q 2026 20.9% 20.9% 1Q 2026 20.7% 20.7% 18.3% 4Q 2025 22.9% 22.9% 20.2% 3Q 2025 23.4% 22.1% 19.2% 2Q 2025 21.3% 22.0% Tier 2 CET 1 CAR (accounting PAT calculated) CAR (official) Regulatory Capital Tier 1 Tier 2 RWA Shareholders’ Equity (HUF bn) Capital Adequacy (%) Regulatory Capital and Total RWA (HUF bn) ▪ Although equity decreased (HUF -24.4 bn) as a result of the negative net income for 1H 2026, regulatory capital increased, leading to a rise in capital adequacy. ▪ T1 Capital increased due to 2Q OCI income (HUF +22.9 bn), and RWA remained unchanged in 2Q (HUF +2.0 bn). As a result, CAR increased to 20.9% and CET1 to 18,7% in 2Q. ▪ Following the annual ICAAP review, the minimum capital requirement (OCR) increased by 1.08% to 17.2% from 30 June 2026. 165.1 7.1 -48.4 738.7 398.7 YE 2025 -23.4 19.3 -49.3 909.9 380.3 2Q 2026 1,261.2 1,236.8 -24.4 Profit/Loss for the period Accumulated other comprehensive income (OCI) Treasury shares Other capital Subscribed capital 2Q 2025 1,107.5 955.0 152.5 5,205.9 3Q 2025 1,131.1 983.1 148.0 5,113.6 4Q 2025 1,232.7 1,089.5 143.2 5,392.5 1Q 2026 1,177.6 1,038.7 138.9 5,683.7 2Q 2026 1,189.9 1,061.6 128.3 5,685.7
Page 20
20 MREL new issuances (HUF bn) MREL requirements and adequacy 15.5% 5.9% 19.0% 9.6% YE 2024 18.0% 5.9% 26.4% 11.4% YE 2025 22.5% 5.9% 26.6% 11.8% 2Q 2026 MREL - TREA requirement (%) MREL - TEM requirement (%) MREL - TREA adequacy (%) MREL - TEM adequacy (%) 289 355 77 2025 1-7M 2026 366 Regulatory MREL requirements and compliance: TREA (%) and TEM (%), YE 2024 – 2Q 2026 • Successfully closed international bond transactions strengthened our presence in the capital markets: • Senior Preferred Bonds issuance in January 2025 amounting to EUR 750 million, in February 2026 amounting to EUR 500 million and in June 2026 amounting to EUR 500 million. • Tier2 issuance in May 2025 amounting to EUR 200 million. • Currently, we expect that ~HUF 170 bn issuance in 2026-28 ensures the fulfilment of MREL targets. Subordinated MREL requirements* * Subordinated requirements were effective from 16.12.2024 Senior pref. MREL Tier2 Subordinated MREL requirements (%) YE 2024 YE 2025 2Q 2026 TREA 13.5% 16.5% 18.6% 16.7% TEM 5.0% 8.5% 8.6% 8.1%
Page 21
21 LTD at ~80%, while the liquidity coverage ratio above 140% by end of Q2 2026 78.3% 2Q 2025 78.6% 3Q 2025 76.1% 4Q 2025 76.6% 1Q 2026 81.8% 2Q 2026 142.3% 2Q 2025 147.0% 3Q 2025 144.7% 4Q 2025 158.6% 1Q 2026 145.0% 2Q 2026 128.5% 2Q 2025 125.5% 3Q 2025 126.0% 4Q 2025 130.7% 1Q 2026 123.9% 2Q 2026 3,589.0 4,336.5 2Q 2025 3,667.0 4,242.9 3Q 2025 3,998.0 4,345.7 4Q 2025 4,080.6 4,217.0 1Q 2026 3,796.1 3,955.4 2Q 2026 7,925.4 7,909.9 8,343.7 8,297.7 7,751.5 -2.2% Term Sight LTD1 (%) LCR (%) NFSR (%) Customer deposits (HUF bn) ▪ The deposit-loan surplus was HUF 1,414 bn at the end of 2Q. ▪ Q/q increase in LTD (up to 81.8%) is the result of decrease in deposit portfolio. ▪ NSFR 123.9%, LCR 145.0% in 1H 2026, above the regulatory minimum. 1 LTD: gross loans/deposits
Page 22
Additional information
Page 23
23 Successful acquisitions and strengthening capital market presence Acquisitions Between 2022 and 2025, MBH Bank completed a series of highly successful acquisitions. Capital market presence EUR 500 million Senior Preferred bond issuance in January 2026, with 4x oversubscription MBH Bank executed a number of successful transactions in 2026 ESG Performance Ratings • MSCI's Provisional ESG Rating (p)A – November 2024 • B- ESG rating from LSEG – January 2023 • ‚C’ rating from CDP – 2023 Investment grade CRR rating – Baa2 with stable outlook Rating category Rating Long- and short-term deposit ratings Baa3/P-3 Long- and short-term Counterparty Risk Ratings (CRRs) Baa2/P-2 Adjusted / Baseline Credit Assessment (BCA) ba3 EUR 500 million Senior Preferred bond issuance in July 2026, with 2x oversubscription International 6-year Mortgage Covered Bond issuance in June 2026 with an issue size of EUR 500 million +80% share of international investors in the latest MREL issuances
Page 24
24 Updates on ESG For the first time, MBH Bank presented its "Journey to a Sustainable Future” Award, recognizing corporate and agri- food sector clients that have implemented exemplary sustainability initiatives. This year’s award winners included companies that have achieved outstanding results in sustainable hospitality, social responsibility, ESG-based corporate governance, and the circular economy. The awarded projects clearly demonstrate that sustainability has become a key driver of competitive business operations, innovation, and long-term value creation. MBH Bank views the transition to a sustainable economy as a shared responsibility and, as a financial partner, aims to play an active role alongside its clients in promoting future- proof and responsible business solutions. “Journey to a Sustainable Future” Award In its Annual Report for the 2025 financial year, the MBH Banking Group published its second group-level sustainability report, prepared in compliance with the Corporate Sustainability Reporting Directive (CSRD) of the European Union and the Hungarian Accounting Act. The report provides a comprehensive overview of the Banking Group’s environmental, social, and governance (ESG) performance, as well as the related risks, opportunities, and strategic objectives. The document has been prepared in accordance with the European Sustainability Reporting Standards (ESRS) and is fully integrated with the financial reporting framework. Group-Level Sustainability Report The report presents the Bank’s annual progress in implementing the six sustainability principles established by the United Nations, with a particular focus on two key impact areas: climate stability and biodiversity and healthy ecosystems. The Bank has defined its first decarbonization targets, aimed at reducing greenhouse gas emissions associated with its lending and financing activities. In parallel, it has been assessing the impacts of its financing activities on nature and biodiversity and has identified the tools and approaches that can help mitigate adverse effects. The Bank is currently working on establishing tangible and measurable targets in these areas to further strengthen its contribution to environmental sustainability and responsible banking practices. Sustainability Report based on the UN Principles for Responsible Banking
Page 25
25 Awards and Recognitions (1) Best of BSE Awards Gala • „Largest Public Equity Offering of the Year” – MBH Bank • „Equity Asset Manager of the Year” – MBH Alapkezelő Zrt. Family-Friendly Place Trademark Hungary MBH Bank Talent Bridge HR Case Study Competition • 1st place – Bors Bence, Recruitment Associate • TOP10 – Mészáros Flóra, HR Generalist Intern Master Card – Bank of the Year 2025 • Corporate Offering of the Year– 1st place (Lépték GO & BUPA Iránytű) • Marketing Communications Campaign of the Year (MBH Tripla) • AI-Powered Innovation of the Year – 2nd place (BUPA Iránytű) • Easy & Seamless Banking Experience of the Year – 2nd place (BUPA Iránytű) TOP Employers Institute • MBH Bank achieved the best result in the domestic financial sector. • Among audited companies in Hungary MBH Bank received the second-highest overall score. Magyar Brands 2025 Innovative Brands recognition BUPA
Page 26
26 Awards and Recognitions (2) FocusEconomics Focus Awards – Big Economies 2026 • Hungary Interest Rate – 3rd place FocusEconomics Focus Awards – Big Economies 2026 • Hungary Exchange Rate – 3rd place Sportmarketing Diamond Award MBH Bank's brand ambassador communication received a marketing diamond rating in three categories: • Collaborations & Sponsorships • Campaigns • Social Media & Content Marketing STRIX Awards • Euroleasing's artificial intelligence campaign won a silver medal MPRSZ × Brandfizz Attractive Employers TOP List 2026 • Top Meta Job Ad 2026 – 2nd place (recruitment campaign) • Top Attractive Employer 2026 recognition Active Workplace Certification – Silver Rating Fundamenta
Page 27
27 Awards and Recognitions (3) Marketing&Média – TOP50 list • TOP 50 PR Leaders category – 10th place: István Kutas, Executive Director of Communications and Marketing at MBH Bank Privátbankár.hu – Klasszis Asset Management Awards 2026 • 1st place – MBH US Equity Fund (HUF Class) – Best Developed Markets Equity Fund • 1st place – MBH Real Estate Investment Fund – Best Real Estate Fund • 1st place – MBH US Dollar Short Term Bond Fund (HUF Class) – Best Short Term Bond Fund • 2nd place – MBH Base Domestic Short Term Bond Fund • 2nd place – MBH Domestic Long Term Bond Fund • 2nd place – MBH Gold Fund of Funds – Class A Excellent Customer Service Program • Fundamenta achieved 1st place in the online and telephone customer service categories. Franchise Association Awards Ceremony • Franchise Network of the Year – Otthon Centrum Euromoney Awards for Excellence “Best for Consumer Lending” – MBH Bank Future Club Organised by Hungarian Leasing Association and PwC • 1st place – Euroleasing (Hidi Kristóf Béla and his team)
Page 28
Annexes
Page 29
29 Key ratios overview (adjusted) 2Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 14.1% 17.7% 6.8% 17.3% 12.2% 2Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 4.3% 4.6% 4.1% 4.4% 4.4% 2Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 67.1% 58.1% 70.9% 60.3% 64.2% 2Q 2025 1Q 2026 2Q 2026 18.3% 18.3% 18.7% 2Q 2025 1Q 2026 2Q 2026 3.5% 3.5% 3.6% 2Q 2025 1Q 2026 2Q 2026 142.3% 158.6% 145.0% 2Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 -0.3% -0.4% 0.9% -0.3% 0.3% ROE1 % TRM % LCR % C/I % Risk cost % NPL % CET1 % ▪ Adjusted ROE reaching 12.2% in 1H 2026 ▪ Stagnated adjusted total revenue margin (TRM) (4.4%), mostly driven by increasing net fee income and FX results ▪ 9.4% y/y increase in costs and achieving a C/I ratio of 64.2% for 1H 2026 ▪ Risk cost margin amounted to 0.3% in 1H 2026, NPL rate minimally increased compared to 1Q 2026 ▪ Liquidity remaining at comfortable levels, with LCR above 140%, loan-to-deposits at 81.8% ▪ Stable capital position, CET1 of 18.7% and CAR of 20.9% 1 ROE (PAT, ADJ, EFF) The impact of interest rate cap was added to the adjustments this quarter, in addition to the extra profit tax and banking tax.
Page 30
30 ADJUSTED P&L (HUF bn) FY FY 1Q 2Q 3Q 4Q 1H FY 1Q 2Q 1H Net operating income 370.2 308.0 65.2 44.1 49.1 33.8 109.3 192.1 62.4 39.1 101.5 -7.1% -11.3% -37.3% Gross operating income 664.1 637.6 141.3 134.2 135.8 141.9 275.5 553.3 149.0 134.4 283.4 2.9% 0.1% -9.8% Net interest income 565.6 494.3 121.2 116.8 112.7 103.6 238.0 454.3 114.5 100.5 215.0 -9.7% -14.0% -12.2% Net fee and commission income 87.6 97.5 21.5 27.4 27.8 30.8 48.9 107.5 27.0 26.6 53.7 9.8% -2.9% -1.5% Other operating income 11.0 45.8 -1.3 -10.1 -4.7 7.6 -11.4 -8.5 7.5 7.2 14.7 - - -3.7% Operating expenses -293.9 -329.6 -76.2 -90.1 -86.8 -108.1 -166.2 -361.1 -86.6 -95.2 -181.9 9.4% 5.7% 10.0% Provisions and impairments 1 -75.9 -37.5 2.7 4.7 23.9 22.7 7.4 54.1 5.8 -14.6 -8.8 - - - Adjusted PBT 294.3 270.4 67.9 48.9 73.0 56.5 116.7 246.2 68.2 24.5 92.8 -20.5% -49.8% -64.0% Taxes -45.2 -41.0 -10.3 -8.7 -9.8 -5.1 -19.0 -33.8 -14.2 -3.9 -18.0 -5.1% -55.6% -72.7% Adjusted PAT 249.1 229.4 57.6 40.1 63.2 51.5 97.7 212.4 54.1 20.7 74.7 -23.5% -48.5% -61.8% Adjustments total on PAT2 65.9 30.0 39.3 4.8 0.0 3.1 44.2 47.3 73.5 23.8 97.3 120.2% 392.6% -67.6% Profit after tax (PAT, unadjusted) 183.2 199.4 18.2 35.3 63.2 48.4 53.5 165.1 -19.4 -3.1 -22.5 - - -83.9% Other comprehensive income (OCI) 57.9 -25.1 -13.8 3.4 2.8 2.8 -10.4 -4.8 -10.4 23.7 13.4 - 593.7% - Total Comprehensive Income (unadjusted) 241.1 174.3 4.4 38.7 66.0 51.2 43.1 160.3 -29.8 20.6 -9.2 - -46.8% - Adjustments total on TOCI 65.9 30.0 39.3 4.8 0.0 3.1 44.2 47.3 73.5 23.8 97.3 120.2% 392.6% -67.6% Total Comprehensive Income 307.0 204.4 43.8 43.6 66.0 54.3 87.3 207.6 43.7 44.4 88.1 0.9% 1.9% 1.6% Y/Y Q/Q2023 2024 Y-Y (Y)2025 2026 Adjusted P&L 1 Includes provision for losses on loan, as well as other provisions and impairments 2 The 3.1. chapter of the Report contains the list of adjustments. The impact of interest rate cap was added to the adjustments this quarter retrospectively, in addition to the extra profit tax and banking tax.
Page 31
31 Balance sheet
Page 32
32 KPIs based on adjusted PAT and Balance Sheet ∆%-p ∆%-p ∆%-p (HUF bn) FY FY 1Q 2Q 3Q 4Q 1H FY 1Q 2Q 1H Y-Y (Y) Y-Y Q-Q Profitability TRM - Total Revenue Margin 6.25% n/a 4.53% 4.26% 4.36% 4.47% 4.39% 4.40% 4.65% 4.14% 4.39% 0.00% -0.12% -0.51% NIM - Net Interest Margin 5.32% n/a 3.88% 3.71% 3.62% 3.26% 3.79% 3.62% 3.57% 3.10% 3.33% -0.46% -0.61% -0.47% NFM - Net Fee Margin 0.82% n/a 0.69% 0.87% 0.89% 0.97% 0.78% 0.86% 0.84% 0.82% 0.83% 0.05% -0.05% -0.02% Efficiency C/I - Cost-to-Income Ratio 44.26% 51.70% 53.89% 67.13% 63.88% 76.20% 60.34% 65.28% 58.13% 70.88% 64.17% 3.84% 3.75% 12.75% C/TA - Cost-to-Total Assets 2.76% n/a 2.44% 2.86% 2.78% 3.41% 2.65% 2.87% 2.70% 2.93% 2.82% 0.17% 0.07% 0.23% C/CV- Cost-to-avg. gross loans and deposits 2.56% n/a 2.18% 2.56% 2.44% 2.98% 2.37% 2.54% 2.39% 2.66% 2.53% 0.16% 0.10% 0.26% ROAE - Return on Average Equity 27.42% 20.69% 20.59% 14.09% 21.35% 16.54% 17.31% 18.13% 17.68% 6.75% 12.21% -5.10% -7.34% -10.93% ROMC - Return on Minimum Capital Required 46.18% 30.61% 29.30% 21.94% 35.12% 27.32% 25.75% 28.39% 27.28% 9.21% 17.69% -8.06% -12.73% -18.07% Risk% - Risk Cost Ratio 1.18% n/a -0.2% -0.3% -1.6% -1.6% -0.3% -0.94% -0.4% 0.9% 0.3% 0.53% 1.26% 1.32% Equity share information EPS - Earning Per Share (HUF, annualized) 781.1 711.3 723.8 499.1 777.4 633.0 610.9 658.4 679.7 257.0 467.2 -143.7 -242.1 -422.7 Volume KPIs LTD - Loan-to-Deposit ratio 74.3% 76.0% 76.4% 78.3% 78.6% 76.1% 78.3% 76.1% 76.6% 81.8% 81.8% 3.5%-p 3.5%-p 5.1%-p Secutities ratio 35.2% 36.9% 38.6% 35.8% 34.9% 33.8% 35.8% 33.8% 37.3% 36.4% 36.4% 0.6%-p 0.6%-p -1.0%-p Client volumes / Total assets 46.6% 49.0% 47.8% 49.8% 50.6% 49.2% 49.8% 49.2% 48.5% 49.0% 49.0% -0.8%-p -0.8%-p 0.6%-p Allowance for losses/ Total assets -2.4% -2.5% -2.4% -2.3% -2.2% -1.8% -2.3% -1.8% -1.7% -1.7% -1.7% 0.6%-p 0.6%-p 0.0%-p RWA/TA - RWA/Total assets 42.6% 44.2% 39.6% 41.8% 41.6% 41.8% 41.8% 41.8% 43.3% 44.0% 44.0% 2.2%-p 2.2%-p 0.7%-p CAR - Capital adequacy ratio 22.1% 19.6% 20.0% 21.3% 22.1% 22.9% 21.3% 22.9% 20.7% 20.9% 20.9% -0.3%-p -0.3%-p 0.2%-p CET1 20.3% 18.2% 18.5% 18.3% 19.2% 20.2% 18.3% 20.2% 18.3% 18.7% 18.7% 0.3%-p 0.3%-p 0.4%-p LCR 152.5% 144.2% 145.2% 142.3% 147.0% 144.7% 142.3% 144.7% 158.6% 145.0% 145.0% 2.7%-p 2.7%-p -13.6%-p NSFR 135.0% 132.1% 134.3% 128.5% 125.5% 126.0% 128.5% 126.0% 130.7% 123.9% 123.9% -4.6%-p -4.6%-p -6.7%-p Portfolio quality Stage 1 gross loans 4,208 4,765 4,782 4,794 4,986 5,194 4,794 5,194 5,266 5,190 5,190 396 396 -77 Stage 2 gross loans 790 1,190 1,188 1,200 1,014 931 1,200 931 874 923 923 -277 -277 49 Stage 3 gross loans 172 166 156 211 218 220 211 220 218 224 224 13 13 6 2023 2024 2025 2026 Adjusted KPIs The impact of interest rate cap was added to the adjustments this quarter retrospectively, in addition to the extra profit tax and banking tax.
Page 33
33 KPIs based on unadjusted PAT ∆%-p ∆%-p ∆%-p (HUF bn) FY FY 2Q 1H FY 1Q 2Q 1H Y-Y (Y) Y-Y Q-Q Profitability TRM - Total Revenue Margin 6.74% 5.99% 4.95% 5.11% 5.14% 5.37% 4.36% 4.86% -0.25% -0.59% -1.01% NIM - Net Interest Margin 5.32% 4.16% 3.65% 3.76% 3.58% 3.57% 2.88% 3.22% -0.54% -0.76% -0.69% NFM - Net Fee Margin 1.31% 1.47% 1.70% 1.55% 1.63% 1.56% 1.52% 1.54% -0.01% -0.18% -0.05% Efficiency C/I - Cost-to-Income Ratio 58.50% 61.39% 73.82% 80.41% 77.74% 110.65% 83.31% 98.32% 17.90% 9.49% -27.34% C/A - Cost-to-Total Assets 3.94% 3.68% 3.66% 4.11% 4.00% 5.94% 3.63% 4.78% 0.67% -0.02% -2.31% ROAE - Return on Average Equity 20.17% 17.99% 12.40% 9.49% 14.10% -6.35% -1.02% -3.68% -13.17% -13.42% 5.33% ROMC - Return on Minimum Capital Required 33.96% 26.60% 19.30% 14.11% 22.08% -9.79% -3.01% -7.45% -21.55% -22.31% 6.78% Risk% - Risk Cost Ratio 1.17% 0.62% -0.35% -0.27% -0.94% -0.41% 0.91% 0.25% 0.53% 1.26% 1.32% Equity share information EPS - Earning Per Share (HUF, annualized) 574.5 618.2 439.1 334.7 511.9 - - - n/a n/a n/a 20262023 2024 2025 Unadjusted KPIs
Page 34
34 Unadjusted and adjusted P&L The impact of interest rate cap was added to the adjustments this quarter, in addition to the extra profit tax and banking tax.
Page 35
35 Changes in the regulatory environment and post-closing events Main changes in 2Q# 1 Benchmark central bank interest rate fell to 6.0% in the 2Q 2026. 2 The government has indefinitely extended the interest rate cap, which was set to expire on 30 June 2026, and which applies to mortgage loans with a variable interest rate linked to BUBOR or a maximum interest rate fixation period of 5 years. 3 The deadline, expiring on 1 July 2026, for fulfilling the childbearing condition of the prenatal child-support loan ('babaváró' loan) has been extended until 1 November 2026 5 Magyar Takarék Holding Zrt. ("MATAK") has undergone a demerger by separation, as a result of which its 100% participation in Pinnacle Asset Group Zrt. has passed to the legal entity created through the separation as legal successor. Pinnacle Asset Group Zrt. holds 6.20% of the share capital and voting rights of MBH Bank Nyrt. MATAK remains the sole shareholder of Hungary Apex Investments Zrt. (6.20%). As a result of the above transaction, MATAK's indirect voting rights in MBH Bank Nyrt. have decreased from 12.4% to 6.20%. 6 MNB requires the MBH Bank Prudential Group to maintain additional capital requirements at the consolidated level. 4 Until 31 December 2026, the interest rate on outstanding general-purpose Student Loan 1 (Diákhitel 1) debts disbursed before31 December 2024, will remain at 7.99%, while it is available for new borrowers at an interest rate of 8.18% instead of the previous 8.69%. Post-closing events 7 MBH Bank Nyrt. on 15 July 2026, it published Supplement No. 2 to the Base Prospectus prepared for its issuance programme entitled ‘MBH BANK ISSUANCE PROGRAMME 2025/2026’, with a total framework amount of HUF 500 bn, which was approved by the MNB by its decision No. H-KE-III-544/2026 dated 14 July 2026. 8 MBH Bank Nyrt. issued Senior Preferred Notes with a total nominal value of EUR 500 million, with the value date of 16 July 2026. The pricing of the 6-year Senior Preferred Notes (callable at par 5 years after the issue date) has taken place on 8 July 2026. 9 At its meeting on 22 July 2026, the Monetary Council reduced the base rate by 25 basis points to 5.75%, and the O/N deposit rate to 4.75% and the O/N lending rate to 6.75%. 10 The Management Board of MBH Bank has appointed Dr. Tamás Ákos as Deputy Chief Executive Officer responsible for standard servicing at MBH Bank from 17 August 2026. 11 The National Assembly has adopted the amendment to certain acts necessary for accessing European Union funds, the objective of which is to fulfil the commitments undertaken towards the European Union. 12 According to the proposal on the amendment to the Act on the 2026 Central Budget of Hungary—in order to fulfil the milestones, set as conditions for drawing down resources from the Recovery and Resilience Facility—certain guarantee institutions’ guarantee limits will be reduced, as in the cases of MFB, EXIM, and Start Garancia. 13 The general meeting of the Bank appointed Kitti Dobi as a member of the Supervisory Board of the Company for a fixed term from 25 July 2026 to 31 May 2030, pursuant to MBHB general meeting resolution No. 11/2026 (27 April). 14 The Board of Directors of MBH Bank has appointed Gergely Gózon as Deputy Chief Executive Officer responsible for Strategy and Finance (CFO) of MBH Bank with effect from 1 October 2026, provided that if the license issued by the MNB has not been issued by that date, his mandate shall commence on the date on which the license concerning the position of Deputy Chief Executive Officer, as an executive officer under the Credit Institutions Act, is issued.
Page 36
36 Definitions of KPIs KPI Short description Formulation Provision/ Total Assets Provision to Total Assets Provision for customer loans (HUF bn) Total Assets (HUF bn) Securities rate Securities to Total assets Securities (HUF bn) Total Assets (HUF bn) CAR Capital adequacy ratio Regulatory capital (HUF bn) Total RWA (HUF bn) RWA/ Total Assets Risk weighted assets to Total assets ratio Total RWA (HUF bn) Total Assets (HUF bn) DPD coverage Rate of loans past due for more than 90 days covered by provision Provision for customer loans (HUF bn) Loans past due for more than 90 days (HUF bn) NPL rate Rate of non-performing loans Non-performing customer loans (HUF bn) Gross customer loans (HUF bn) Direct NPL coverage Rate of non-performing loans covered directly by provision Provision for non-performing customer loans (HUF bn) Non-performing customer loans (HUF bn) NPL coverage Rate of non-performing loans covered by provision Provision for customer loans (HUF bn) Non-performing customer loans (HUF bn) Total coverage Rate of loans covered directly by provision Provision for customer loans (HUF bn) Gross customer loans (HUF bn) KPI Short description Formulation ROAE Adjusted rate on average equities Annualised adjusted PAT (HUF bn) Average equities (HUF bn) ROMC Adjusted rate on minimum capital Annualised adjusted PAT (HUF bn) Average minimum capital (HUF bn) ROAA Adjusted rate on average total assets Annualised adjusted PAT (HUF bn) Average Total assets (HUF bn) TRM Adjusted total revenue margin Annualised adjusted Gross Operating Income (HUF bn) Average Total assets (HUF bn) CIM Adjusted core income margin Annualised adjusted net interest + net fee (HUF bn) Average Total assets (HUF bn) NIM Adjusted net interest income margin Annualised adjusted Net Interest Income (HUF bn) Average Total assets (HUF bn) NFM Adjusted net fee margin Annualised adjusted Net Fee Income (HUF bn) Average Total assets (HUF bn) C/A Adjusted cost to total assets Annualised adjusted General Admin. Expenses (HUF bn) Average Total assets (HUF bn) C/I Adjusted cost-income ratio Adjusted General Admin. Expenses (HUF bn) Adjusted Gross Operating Income (HUF bn) C/CV Adjusted cost-to-avg. gross loans and deposits Adjusted General Admin. Expenses (HUF bn) Average gross loans and deposits (HUF bn) Risk% Adjusted risk cost rate Annualised adjusted provision for losses on loans (HUF bn) Average gross loans (HUF bn) GOI/RWA Adjusted RWA efficiency Annualised adjusted Gross Operating Income (HUF bn) Average Total RWA (HUF bn) EPS Adjusted earnings per share Annualised adjusted PAT (HUF bn) Average number of shares (bn pcs)
Page 37
37 Abbreviations Secured loans Home Loans + Free-to-Use Mortgages Unsecured loans Personnel loans + Baby loans + Other c onsumer loans FVTOCI Fair value through OCI FVTPL Fair value through P&L FTE Full time equivalent NPL Non performing loans DPD90+ Days past due over 90 days ROE, ROAE Return on (average) equity ROA, ROAA Return on (average) assets ROMC Return on minimal capital required C/I, CIR Cost-to-income ratio TRM Total revenue margin NIM Net interest margin NFM Net fee margin CAR Capital adequacy ratio LTD Loans to deposits EPS Earning per share AVA Asset value adjustment – CRR specification LCR Liquidity Coverage Ratio NSFR Net Stable Funding Ratio AUM Asset under management ÁKK, GDMA Price of government bond reference yields determined daily by the Goverment Debt Management Agency KSH Hungarian Central Statistical Office ESG Enviromental, Social and Governance
Page 38
Disclaimer
Page 39
39 DISCLAIMER This presentation contains or may contain statements that are or may be deemed to be, “forward-looking statements” which are prospective in nature. Such statements are qualified in their entirety by the inherent risks and uncertainties surrounding future expectations. Forward-looking statements are not based on historical facts, but rather on current predictions, expectations, beliefs, opinions, plans, objectives, goals, intentions, and projections about future events, results of operations, prospects, financial condition, and discussions of strategy. By their nature, forward-looking statements involve known and unknown risks and uncertainties, many of which are beyond the control of MBH Bank. Forward-looking statements are not guarantees of future performance and may and often do differ materially from actual results. Neither MBH Bank nor any of its subsidiaries or members of its management bodies, directors, officers, or advisers, provides any representation, assurance, or guarantee that the occurrence of the events expressed or implied in any forward- looking statements in this presentation will actually occur. You are cautioned not to place undue reliance on these forward-looking statements which only speak as of the date of this presentation. Other than in accordance with its legal or regulatory obligations, MBH Bank is not under any obligation and MBH Bank and its subsidiaries expressly disclaim any intention, obligation, or undertaking to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. This presentation shall not, under any circumstances, create any implication that there has been no change in the business or affairs of MBH Bank since the date of this presentation nor that the information contained herein is correct as at any time subsequent to its date. This presentation does not constitute or form part of any offer to purchase or subscribe for any securities. The making of this presentation does not constitute a recommendation regarding any securities. The distribution of this presentation in other jurisdictions may be restricted by law and persons into whose possession this presentation comes should inform themselves about, and observe any such restrictions. Any failure to comply with these restrictions may constitute a violation of the laws of other jurisdictions. The information contained in this presentation is provided as of the date of this presentation and is subject to change without prior notice. Investor relations Email: investorrelations@mbhbank.hu Web: https://www.mbhbank.com/invest or-relations