MBHBANK H1 2026 Financial Report

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MBH Bank Nyrt. Flash Report on 1H 2026 results Budapest, 27th August 2026

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 1 Table of Contents 1 MBH Group 1H 2026 Results – overview .........................................................................................3 2 Management Report on the 1H 2026 Results of MBH Group ....................................................... 10 2.1 P&L development ...................................................................................................................... 10 2.1.1 Adjusted profit after taxation ........................................................................................ 11 2.1.2 Total comprehensive income ......................................................................................... 11 2.1.3 Net interest income ....................................................................................................... 12 2.1.4 Net fee and commission revenues ................................................................................. 12 2.1.5 Profit/loss on financial transactions (FX and FV result) ................................................. 12 2.1.6 Other results ................................................................................................................... 12 2.1.7 Operating expenses ........................................................................................................ 12 2.1.8 Risk costs ........................................................................................................................ 13 2.1.9 Corporate income tax ..................................................................................................... 13 2.2 Balance sheet ............................................................................................................................ 14 2.2.1 Loans .............................................................................................................................. 15 2.2.2 Securities ........................................................................................................................ 15 2.2.3 Financial assets ............................................................................................................... 15 2.2.4 Deposits and C/A ............................................................................................................ 15 2.2.5 Interbank liabilities ......................................................................................................... 16 2.2.6 Issued securities ............................................................................................................. 16 2.2.7 Capital............................................................................................................................. 16 2.2.8 Off-balance sheet exposures to customers.................................................................... 16 2.3 Capital adequacy ....................................................................................................................... 16 2.4 Presentation of business segment results................................................................................. 17 2.4.1 Corporate and institutional customers .......................................................................... 17 2.4.2 Retail customers ............................................................................................................. 22 2.4.3 Leasing ............................................................................................................................ 27 2.4.4 Investment services and Treasury activities .................................................................. 28 2.5 Updates on ESG ......................................................................................................................... 30 2.6 Awards and recognitions ........................................................................................................... 32 3 Financial figures ............................................................................................................................. 37 3.1 Correction factors 1H 2026 ....................................................................................................... 37 3.2 Consolidated, non-audited financial statements of the MBH Group according to IFRS ........... 39 3.2.1 Income statement .......................................................................................................... 39

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 2 3.2.2 Balance sheet ................................................................................................................. 40 3.2.3 Shareholders’ assets ....................................................................................................... 41 3.3 Individual, non-audited financial statements of MBH Bank Nyrt. according to IFRS ................ 42 3.3.1 Income statement .......................................................................................................... 42 3.3.2 Balance sheet ................................................................................................................. 43 3.3.3 Shareholders’ assets ....................................................................................................... 44 3.4 Other information ..................................................................................................................... 45 4 Annexes ......................................................................................................................................... 51 4.1 Financial indicators .................................................................................................................... 51 4.1.1 Adjusted KPIs on profit&loss .......................................................................................... 51 4.1.2 KPIs on profit&loss as in financial statement (unadjusted) ........................................... 52 4.1.3 Volume KPIs .................................................................................................................... 53 4.2 Additional information to the 1H 2026 report .......................................................................... 54 4.3 Abbreviations ............................................................................................................................ 55

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 3 1 MBH GROUP 1H 2026 RESULTS – OVERVIEW Main components of P&L and balance sheet, key performance indicators The report is based on "Adjusted" figures presenting the indicators of the underlying business performance, the list of corre ction factors is included in Chapter 3.1. In order to comprehensive present the financial performance of the MBH Group, all data in the report and in the investor presentation are - unless otherwise indicated - alternative performance measurement indicators (Alternative Financial Indicator - APM). 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 da ta calculated retrospectively using the new methodology. We expect this to be only a temporary change. The interest rate cap was introduced by Government Decree No. 782/2021 (24 December) to apply from 01.01.2022 to 30.06.2022 and was subsequently 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 los s 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. For definition and calculation methodology of alternative performance measurement indicators used to depict the underlying business performance please refer to the Report for 1H 2026 chapter 4.1 – Financial indicators. KPIs are calculated using the actual number of days. 2Q 2025 1Q 2026 2Q 2026 P/P Y/Y 1H 2025 1H 2026 Y/Y TOCI accounting (Total Comprehensive Income) 38,251 -29,767 20,603 -169.2% -46.1% 42,660 -9,164 -121.5% Other comprehensive income 3,421 -10,359 23,732 - - -10,389 13,373 -228.7% Consolidated Profit after tax (accounting) 34,830 -19,408 -3,129 -83.9% -109.0% 53,049 -22,537 -142.5% Adjustments total on PAT 5,307 73,464 23,796 -67.6% - 44,654 97,259 117.8% Adjusted TOCI 43,558 43,697 44,399 1.6% 1.9% 87,313 88,095 0.9% Adjusted Other comprehensive income (OCI) 3,421 -10,359 23,732 - - -10,389 13,373 -228.7% Adjusted Consolidated Profit after tax 40,137 54,056 20,667 -61.8% -48.5% 97,702 74,722 -23.5% Profit before tax (adjusted) 48,855 68,230 24,538 -64.0% -49.8% 116,708 92,768 -20.5% Gross Operating Income (adjusted) 134,174 149,011 134,367 -9.8% 0.1% 275,505 283,378 2.9% Net Interest Income (adjusted) 116,830 114,467 100,512 -12.2% -14.0% 237,986 214,979 -9.7% Net Fee Income (adjusted) 27,435 27,047 26,636 -1.5% -2.9% 48,911 53,683 9.8% Net Other Income (adjusted) -10,091 7,497 7,219 -3.7% -171.5% -11,393 14,716 -229.2% Operating Expenses (adjusted) -90,068 -86,617 -95,239 10.0% 5.7% -166,227 -181,855 9.4% Provision for losses on loans (adjusted) 4,749 5,836 -14,590 - - 7,430 -8,754 -217.8% 2Q 2025 1Q 2026 2Q 2026 P/P Y/Y 1H 2025 1H 2026 Y/Y Total Assets 12,452,278 13,119,836 12,926,354 -1.5% 3.8% 12,638,340 13,023,095 3.0% Customer Loans (net) 5,915,851 6,133,523 6,113,407 -0.3% 3.3% 5,869,268 6,123,465 4.3% Customer Loans (gross) 6,204,775 6,359,290 6,337,048 -0.3% 2.1% 6,165,520 6,348,169 3.0% Provision for Customer loans -288,924 -225,767 -223,641 -0.9% -22.6% -296,251 -224,704 -24.2% Deposits & C/A 7,925,416 8,297,652 7,751,525 -6.6% -2.2% 7,972,127 8,024,588 0.7% Subordinated debt 173,136 168,822 152,101 -9.9% -12.1% 133,309 160,462 20.4% Shareholders' Equity 1,141,255 1,218,851 1,236,796 1.5% 8.4% 1,142,243 1,227,823 7.5% 2Q 2025 1Q 2026 2Q 2026 P-P Y-Y 1H 2025 1H 2026 Y-Y ROAE (Return on Average Equity - accounting) 12.4% -6.3% -1.0% 5.3%-pt -13.4%-pt 9.5% -3.7% -13.2%-pt ROAE (Return on Average Equity - adjusted) 14.1% 17.7% 6.8% -10.9%-pt -7.3%-pt 17.3% 12.2% -5.1%-pt ROMC (Return on Minimum Capital - adjusted) 21.9% 27.3% 9.2% -18.1%-pt -12.7%-pt 25.7% 17.7% -8.1%-pt ROAA (Return on Average Assets - adjusted) 1.3% 1.7% 0.6% -1.0%-pt -0.6%-pt 1.6% 1.2% -0.4%-pt TRM (Total Revenue Margin - adjusted) 4.3% 4.6% 4.1% -0.5%-pt -0.1%-pt 4.4% 4.4% 0.0%-pt CIM (Core income margin - adjusted) 4.6% 4.4% 3.9% -0.5%-pt -0.7%-pt 4.6% 4.2% -0.4%-pt NIM (Net Interest Margin - adjusted) 3.7% 3.6% 3.1% -0.5%-pt -0.6%-pt 3.8% 3.3% -0.5%-pt NFM (Net Fee Margin - adjusted) 0.9% 0.8% 0.8% 0.0%-pt -0.1%-pt 0.8% 0.8% 0.1%-pt C/TA (Cost to Total Assets - adjusted) 2.9% 2.7% 2.9% 0.2%-pt 0.1%-pt 2.7% 2.8% 0.2%-pt CIR (Cost Income Ratio - adjusted) 67.1% 58.1% 70.9% 12.8%-pt 3.8%-pt 60.3% 64.2% 3.8%-pt Risk% (Risk cost rate - adjusted) -0.3% -0.4% 0.9% 1.3%-pt 1.3%-pt -0.3% 0.3% 0.5%-pt GOI/RWA (RWA efficiency - adjusted) 10.5% 10.9% 9.5% -1.4%-pt -1.0%-pt 10.6% 10.2% -0.5%-pt EPS (Earning Per Share - adjusted) 499.1 679.7 257.0 -422.7 -242.1 610.9 467.2 -143.7 2Q 2025 1Q 2026 2Q 2026 P-P Y-Y 1H 2025 1H 2026 Y-Y Provision/Total Assets 2.3% 1.7% 1.7% 0.0%-pt -0.6%-pt 2.3% 1.7% -0.6%-pt CAR (Capital Adequacy Ratio) 21.3% 20.7% 20.9% 0.2%-pt -0.3%-pt 21.3% 20.9% -0.3%-pt RWA/Total Assets 41.8% 43.3% 44.0% 0.7%-pt 2.2%-pt 41.8% 44.0% 2.2%-pt LTD (Loan to Deposit) 78.3% 76.6% 81.8% 5.1%-pt 3.5%-pt 78.3% 81.8% 3.5%-pt DPD90+ rate 1.6% 1.7% 1.8% 0.2%-pt 0.3%-pt 1.6% 1.8% 0.3%-pt Main components of Balance sheet (in HUF million) Volumes at the end of period YTD average Main components of P&L (in HUF million) Period YTD KPIs based on adjusted and unadjusted PAT (%) Period YTD Volume KPIs (%) Period YTD

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 4 In 2Q 2026 the following main factors were instrumental: • In June 2026, inflation reached 1.7% higher on average than a year earlier and in 2Q 2026, prices were up by 1.9%, on average compared to the previous year. • According to the estimate of the Hungarian Central Statistical Office (KSH), the performance of the Hungarian economy grew by 1.7% in 2Q compared to the same period of the previous year and grew by 0.4% compared to 1Q. • Benchmark central bank interest rate fell to 6.0% in the 2Q 2026. • MBH Bank Nyrt. held its Annual General Meeting on 27 April 2026. The General Meeting approved the Board of Directors' report on the 2025 business activities and, accepts - being aware of the reports of the Supervisory Board and the Auditor - its proposal for the separate (non-consolidated) and consolidated financial st atements for 2025 prepared in accordance with the International Financial Reporting Standards as well as the proposal concerning the distribution of profit and the payment of dividends. The General Meeting resolved that no dividends would be paid from the profit for the year; the distributable profit was transferred to retained earnings. • 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. • 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. • 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%. • 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., amounting to 19,990,761 shares with a nominal value of HUF 1,000 each. MATAK remains the sole shareholder of Hungary Apex Investments Zrt., which holds 19,994,628 shares of MBH Bank Nyrt. with a nominal value of HUF 1,000 each, representing 6.20% of the share capital and voting rights. As a result of the above transaction, MATAK's indirect voting rights in MBH Bank Nyrt. have decreased from 12.4% to 6.20%. Pursuant to Section 136(3) of Act CCXXXVII of 2013 on Credit Institutions and Financial Enterprises, the above change in MATAK's voting rights also affects, or may affect, the following companies through MBH Bank Nyrt. as parent company: MBH Jelzálogbank N yrt., MBH Befektetési Bank Zrt., MBH Duna Bank Zrt., Fundamenta -Lakáskassza Zrt., Euroleasing Ingatlan Zrt., and Euroleasing Zrt. • Based on the decision in the framework of the Group supervisory review (SREP) , the MNB required the MBH Bank Prudential Group to maintain the following additional capital requirements at the consolidated level (excluding regulatory macroprudential capital buffers):

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 5 2.58% for Common Equity Tier 1 (CET1) capital, based on which the required CET1 ratio is at least 7.08%; 3.43% for Tier 1 capital, which means that the minimum required Tier 1 ratio is 9.43%; 4.58% for the Total Capital Adequacy Ratio (TSCR), which implies that the minimum required total capital adequacy ratio is 12.58%. In addition to the above requirements, there is the capital requirement embodied in the applicable macroprudential buffers. The minimum levels for regulatory capital and its individual components are effective from 30 June 2026, until the next review. • In compliance with the framework and conditions set out in Decision No. H -EN-I-436/2025, MBH Bank repurchased its own shares until 2 7 July 2026: 315,667 shares at a price of HUF 915,274,520. Following the transactions, the MBH Group owned 319,460 treasury shares, while the treasury share portfolio was 0.0990%. The main performance indicators of 1H 2026: • HUF 12,926.4 bn total assets (+3.8% y/y; -1.5% q/q) in 2Q 2026 partially caused by decrease in deposit portfolios (-2.2% y/y) and the growth gross loan volumes (+2.1% y/y). • HUF 74.7 bn adjusted profit after taxes ( -23.5% y/y) in 1H 2026 and 12.2% adjusted ROE (14.4% based on adjusted total comprehensive income), mainly driven by high net interest income in 1H 2026. The 2Q 2026 accounting profit after tax (HUF – 22.5 bn) was significantly reduced by the recording of expected losses on the loans affected (HUF -23.8 bn) due to the extension of the interest rate cap. • 9.4% y/y cost increase (without impact of the acquisition: +8.7%), C/I of 64.2% in 1H 2026. • HUF 8.8 bn adjusted risk cost (provisions and other impairments) was charged in 1H 2026 and HUF 14.6 bn in 2Q 2026. In 2Q, impairment losses were recognised as a result of several one- off transactions falling into default and the deterioration of credit ratings; furthermore, the Bank’s management established an overlay to address the regulatory uncertainties observed in the financial intermediary environment and the resulting potential economic and credit risk effects. • Loan-to-deposit ratio stood at 81.8%, while LCR (145.0%) and NSFR (123.9%) ratios were well above the regulatory minimum. • Sound capital position: 20.9% capital adequacy and 1 8.7% CET1 ratio at the end of 2Q. Following the annual ICAAP review, t he minimum capital requirement (OCR) increased by 1.08% to 17.2% from 30 June 2026. Main business events in 2Q 2026: • Retail segment: Significant annual growth in the retail loan (+ 7.4% y/y) supported by strong market growth and business boosting activities. Decreasing deposit portfolio ( -4.7% y/y), other saving s moderating by 1.9% y/y. Record results were achieved in the retail account segment thanks to the two -day sales promotion announced in June. A new offer aimed exclusively at new customers, the FIX NULLA account package, was launched.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 6 In 2Q 2026, the Bank’s mortgage sales focus remained on the Otthon Start Home Loan product. This product is uniquely available on the market in an offset mortgage structure and is offered at preferential interest rates to eligible Fleet Key Partner Program participants and Premium customers. The Bank also completed preparations for the introduction of phased financing related to construction rights. • Corporate segment: Moderating loan portfolio (-2.0% y/y) and slight increase in deposit volumes (+1.4% y/y). In 2Q 2026, subsidized loan products continued to receive exceptional attention from the Bank's clients compared to market-rate loans. • Leasing segment: Leasing volume of MBH Group amounted to HUF 637.8 bn at the end of 2Q 2026 which means an increase of 5.9% compared to 2Q 2025. The leasing group has a nationwide network and based on the newly placed, aggregated leasing portfolio, a market share exceeding 25 percent 1, making it the number one player in the leasing market. MBH Group’s unadjusted total comprehensive income was HUF -9.2 bn (HUF -52.3 bn y/y) in 1H 2026, profit after tax (1H 2026: HUF -22.5 bn, HUF -76.1 bn y/y) decreased, other comprehensive income (1H 2026: HUF 1 3.4 bn, HUF + 23.8 bn y/y) increased year -on-year. The unadjusted total comprehensive income (TOCI) in 2Q drop by HUF 18.1 billion y/y, as a result of a HUF 38.4 billion decrease y/y in the accounting profit after taxes and a HUF 20.3 billion y/y increase in the other comprehensive income (OCI). The 1H 2026 results were negatively impacted by the banking tax and higher lump-sum extra- profit tax paid for the full year in 1Q 2026 furthermore, in 2Q, an expected loss resulting from the extension of the interest rate cap due to legislative changes was recognised, calculated over the entire remaining term of the loans at a total of HUF 23.8 bn, of which HUF 6.9 bn had a negative impac t on net interest income, HUF 8.5 bn on other income and HUF 8.3 bn on risk costs. In 1H 2026 the adjusted total comprehensive income (TOCI) was HUF 88.1 bn (+0.9% y/y), including HUF +97.3 bn profit adjustments. The adjusted profit after tax was HUF 20.7 bn (HUF -19.5 bn y/y), adjusted other comprehensive income amounted to HUF 23.7 bn (HUF +20.3 bn y/y) in 2Q 2026. 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. Total assets amounted to HUF 12,926.4 bn (-1.5% q/q; +3.8% y/y) by the end of 2Q 2026. The Group's customer deposits portfolio was HUF 7,751.5 bn by the end of 2Q which means a 6.6% decrease q/q (HUF -546.1 bn q/q; HUF -173.9 bn y/y). Quarterly decrease was influenced by several factors: FX impact, elevated base and decline in the stock due to strong market competition . Gross customer loans portfolio changed to HUF 6,337.0 bn (-0.3% q/q), the annual growth amounted HUF +132.3 bn. Securities portfolio together with trading portfolio increased by 5.5% y/y (-4.0% q/q). In 2Q 2026 the loans to deposits ratio increased to 81.8% (+5.1%-pt q/q) by the end of the period due to the decrease in deposit volumes, the customer deposit-loans surplus was HUF 1 ,414 bn. The shareholders’ equity increased from HUF 1,218.9 bn at the end of 1Q 2026 to HUF 1,236.8 bn (+1.5% q/q). Capital adequacy ratio was at 2 0.9% (+0.2%-pt q/q, -0.3%-pt y/y). Following the annual ICAAP review, the minimum 1 Source: Hungarian Leasing Association

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 7 capital requirement (OCR) increased by 1.08% to 17.2% from 30 June 2026. MBH Group’s adjusted return on shareholders' equity (ROE) was 12.2% (the unadjusted ROE was -3.7%) in 1H 2026. ROE on adjusted total comprehensive income reached 14.4% in 1H 2026 compared to 15.6% in 1H 2025. The volume-weighted average price of the MBH share for the full trading period of 2Q 2026 was HUF 2,775. Changes in the composition of the Supervisory Board: Dr. Árpád Kovács has resigned from his membership held in the Supervisory Board of MBH Bank Nyrt. on 30 April 2026. The resignation took effect on 29 June 2026 with regard to the Company. Post-closing events: ▪ 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 billion , which was approved by the MNB by its decision No. H-KE- III-544/2026 dated 14 July 2026. ▪ 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. ▪ 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%. ▪ The Management Board of MBH Bank has appointed Dr. Tamás Ákos as Deputy Chief Executive Officer responsible for standard servicing at MBH Bank. MNB has granted the relevant approval for the appointment on 17 August 2026. ▪ 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. Hungary must implement the following commitments regarding taxation by 31 August 2026: the tax exemption of asset management trusts under personal income taxation must be abolished; the number of preferential corporate tax elements must be reduced in order to increase corporate tax revenues; competitive conditions in retail tax must be harmonized; and the number of tax types must be reduced. ▪ 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. ▪ 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 or, if the authorising decision of MNB concerning the member of the Supervisory Board has not been issued by 25 July 2026, from the date on which the authorising decision of MNB concerning the member of the Supervisory Board is issued and the member of the Supervisory Board accepts her appointment in written, to 31 May 2030, pursuant to MBHB general meeting resolution No. 11/2026 (27 April). ▪ 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

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 8 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. Financial and capital market developments and the macroeconomic environment in 2Q: The 2Q 2026 was largely defined by the conflict in the Middle East. By late April 2026, the price of Brent crude oil had already approached USD 120 per barrel, and the rise in energy prices led to a deterioration in inflation prospects globally. As a result, mar kets began pricing in policy rate hikes by both the Federal Reserve and the European Central Bank, with the latter already taking its first step in June. Around the middle of the second quarter, the EUR/USD exchange rate was not trading near the currently observed 1.15 level; rather, levels of 1.17-1.18 were more typical, as a Fed rate hike was not yet under consideration, while markets had already priced in ECB tightening by June. The Federal Reserve has left its policy rate unchanged at 3.50 -3.75% throughout its 2026 policy meetings so far. Since June, the Fed's policy statements have no longer contained forward guidance. Following the July policy meeting, Fed Chair Kevin Warsh stated that rising bon d yields had already tightened monetary conditions. Although some policymakers would have preferred to tighten policy earlier, the July communication suggests that the Fed is in no hurry to raise rates. Several key labour market and inflation releases are still due before the September meeting, which should provide greater clarity. We continue to maintain our view that the Fed may avoid raising rates this year. The European Central Bank tightened monetary conditions in June 2026 by raising its deposit facility rate by 25 basis points to 2.25%, before deciding to leave rates unchanged in July. It is becoming increasingly likely that the ECB will require at least one additional rate hike i n the coming months. According to the ECB, inflation could stabilize near the 2% target during the second half of 2027. Combined with the ECB's repeated emphasis on its commitment to achieving the inflation target, this suggests that further tightening wil l be necessary. We therefore expect the ECB's key policy rate to reach 2.50% by the end of 2026. In 2Q 2026, the Hungarian economy expanded by 0.4% quarter-on-quarter and by 1.6% year-on-year based on seasonally and calendar-adjusted, balanced data. As of production approach, the Hungarian Central Statistical Office highlighted the positive contributions of industry and services, whi le it appears that agriculture has slowed growth. As of expenditure approach, household consumption likely remained the primary growth driver, while investment is not expected to have made a meaningful contribution. The likelihood of Hungarian GDP growth reaching 2% this year has declined, and for the time being we maintain our forecast of 1.6% growth for 2026. Looking ahead, growth of around 3% remains achievable in 2027, although stronger quarter-on-quarter expansion than currently observed will be required. This could be supported by the ramp -up of automotive production capacities, a recovery in investment activity, and continued moderate growth in household consumption, assuming more favorable weather conditions. Consumer price developments remained favorable in June, with inflation standing at 1.7% year -on- year, while low inflation characterized the entire second quarter. Inflation continued to ease in July; the 1.2% year -over-year increase marks the lowest inflation rate in ne arly 10 years. However, the outlook is now less encouraging : t he conflict involving Iran has significantly increased oil prices, domestic fuel market conditions have become increasingly challenging, and the combination of severe drought and the energy emergency is hardly supportive of disinflation. At the same time, the trend appreciation of the forint has stalled in recent weeks, and we do not expect any further meaningful strengthening through year -end. We expect inflation to remain close to 2% through the autumn months, followed by a modest pickup toward the end of the year, as this is when we anticipate the

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 9 phase-out of retail margin caps. The withdrawal of these measures is likely to be gradual, implying a more prolonged rather than abrupt impact on prices. At the same time, a drawn-out phase-out process could lift inflation expectations. Taking all these fa ctors into account, we continue to expect average inflation of 2.2% in 2026 and 3.1% in 2027, both above the MNB's June projections. In June 2026, the National Bank of Hungary launched a mini easing cycle, and by the end of July the base rate had been reduced by 25 basis points to 5.75%. The expected rate cut in August would only be jeopardized by a severe deterioration in investor risk sentiment over the coming weeks. Even against the backdrop of the Middle East conflict, we consider this highly unlikely, as Hungarian interest rates remain very high both in regional comparison and relative to inflation. Thereafter, the easing cycle may pause for a period. We expect the policy rate to remain at 5.50% by the end of 2026 before declining further to 5.00% in 2027. The central government budget accumulated a deficit of HUF 3,382.2 billion in 1H 2026, equivalent to 80.2% of the original annual cash-flow deficit target. In early July, the Ministry of Finance published its budget review, assessing the state of Hungary's public finances. Based on its findings, the ministry projects a general government deficit of 7.5% of GDP in the absence of additional measures. Our own forecast is somewhat more optimistic, as we expect this year's fiscal deficit to reach 7.0% rather than 7.5% of GDP. Although this would still be well above the previously expected 6.1%, we believe the budget balance could ultimately be several tenths of a percentage point better than the ministry currently anticipates. The ministr y itself emphasized that the 7.5% forecast assumes no additional policy action, making it possible that further measures aimed at improving the fiscal balance will be introduced later this year. We now expect the deficit to reach 5.8% of GDP in 2027, compared with our previous forecast of 5.2%. Following the April election result, the forint continued to strengthen, and by mid-June the EUR/HUF exchange rate had fallen to around 350. In recent weeks, however, the situation appears to have reversed. Since mid -June, the forint has weakened substantially, significantly underperforming its regional peers, with EUR/HUF now trading closer to 360. In addition to the renewed increase in energy prices, the forint's underperformance since roughly 7 July coincided with the new government's announcement that the fiscal deficit could reach 7.5% of GDP this year without additional corrective measures. We forecast the EUR/HUF exchange rate to remain around 360 over the coming quarters.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 10 2 MANAGEMENT REPORT ON THE 1H 2026 RESULTS OF MBH GROUP 2.1 P&L development The presentation of financials in this report is based on Total Comprehensive Income (“TOCI”), which is an IFRS category aime d at presenting the economic impact for the given period by incorporating “fair value through other comprehe nsive income” (FVTOCI) results. Based on the fact that MBH Bank holds a large securities portfolio , part of which is valued against capital (FVTOC I), and hedges its interest risk position with IRS transactions, TOCI figures should only be used to evaluate the results. 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 da ta calculated retrospectively using the new methodology. We expect this to be only a temporary change. The interest rate cap was introduced by Government Decree No. 782/2021 (24 December) to apply from 01.01.2022 to 30.06.2022 and was subsequently 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 los s 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. 2Q 2025 1Q 2026 2Q 2026 P/P Y/Y 1H 2025 1H 2026 Y/Y TOCI accounting (Total Comprehensive Income) 38,251 -29,767 20,603 -169.2% -46.1% 42,660 -9,164 -121.5% Other comprehensive income 3,421 -10,359 23,732 - - -10,389 13,373 -228.7% Profit after tax (accounting) 34,830 -19,408 -3,129 -83.9% -109.0% 53,049 -22,537 -142.5% Adjustments total on PAT 5,307 73,464 23,796 -67.6% - 44,654 97,259 117.8% Banking tax 4 20,827 0 -100.0% -99.9% 19,795 20,827 5.2% Extra profit tax 0 52,636 16 -100.0% - 19,556 52,653 169.2% Impact of interest rate cap 5,303 0 23,779 - - 5,303 23,779 - Adjusted TOCI 43,558 43,697 44,399 1.6% 1.9% 87,313 88,095 0.9% Adjusted Other comprehensive income (OCI) 3,421 -10,359 23,732 - - -10,389 13,373 -228.7% Adjusted Profit after tax 40,137 54,056 20,667 -61.8% -48.5% 97,702 74,722 -23.5% Adjusted Profit before tax 48,855 68,230 24,538 -64.0% -49.8% 116,708 92,768 -20.5% Gross Operating Income (adjusted) 134,174 149,011 134,367 -9.8% 0.1% 275,505 283,378 2.9% Net Interest Income (adjusted) 116,830 114,467 100,512 -12.2% -14.0% 237,986 214,979 -9.7% Interest Income (adjusted) 258,526 268,238 252,083 -6.0% -2.5% 511,229 520,321 1.8% Interest Expense (adjusted) -141,696 -153,771 -151,571 -1.4% 7.0% -273,243 -305,342 11.7% Net Fee Income (adjusted) 27,435 27,047 26,636 -1.5% -2.9% 48,911 53,683 9.8% Net Other Income (adjusted) -10,091 7,497 7,219 -3.7% -171.5% -11,393 14,716 -229.2% FX and FV result (adjusted) -11,379 6,830 4,332 -36.6% -138.1% -12,881 11,162 -186.7% Other Income (adjusted) 1,288 667 2,887 - 124.1% 1,488 3,554 138.8% Operating Expenses (adjusted) -90,068 -86,617 -95,239 10.0% 5.7% -166,227 -181,855 9.4% Personnel Expenses (adjusted) -38,336 -39,070 -40,316 3.2% 5.2% -74,871 -79,386 6.0% Operating Expenses (adjusted) -39,685 -36,428 -41,729 14.6% 5.1% -68,786 -78,156 13.6% Amortisation and depreciation (adjusted) -12,047 -11,119 -13,194 18.7% 9.5% -22,570 -24,313 7.7% Provisions (adjusted) 4,749 5,836 -14,590 - - 7,430 -8,754 -217.8% Corporate income tax (adjusted) -8,718 -14,175 -3,872 -72.7% -55.6% -19,006 -18,046 -5.1% 2Q 2025 1Q 2026 2Q 2026 P-P Y-Y 1H 2025 1H 2026 Y-Y ROAE (Return on Average Equity - adjusted) 14.1% 17.7% 6.8% -10.9%-pt -7.3%-pt 17.3% 12.2% -5.1%-pt ROAA (Return on Average Assets - adjusted) 1.3% 1.7% 0.6% -1.0%-pt -0.6%-pt 1.6% 1.2% -0.4%-pt TRM (Total Revenue Margin - adjusted) 4.3% 4.6% 4.1% -0.5%-pt -0.1%-pt 4.4% 4.4% 0.0%-pt CIM (Core income margin - adjusted) 4.6% 4.4% 3.9% -0.5%-pt -0.7%-pt 4.6% 4.2% -0.4%-pt NIM (Net Interest Margin - adjusted) 3.7% 3.6% 3.1% -0.5%-pt -0.6%-pt 3.8% 3.3% -0.5%-pt NFM (Net Fee Margin - adjusted) 0.9% 0.8% 0.8% 0.0%-pt -0.1%-pt 0.8% 0.8% 0.1%-pt C/TA (Cost to Total Assets - adjusted) 2.9% 2.7% 2.9% 0.2%-pt 0.1%-pt 2.7% 2.8% 0.2%-pt CIR (Cost Income Ratio - adjusted) 67.1% 58.1% 70.9% 12.8%-pt 3.8%-pt 60.3% 64.2% 3.8%-pt Risk% (Risk cost rate - adjusted) -0.3% -0.4% 0.9% 1.3%-pt 1.3%-pt -0.3% 0.3% 0.5%-pt MBH Group Consolidated, IFRS P&L (in HUF million) Period YTD KPIs based on adjusted PAT (%) Period YTD

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 11 2.1.1 Adjusted profit after taxation Adjusted consolidated profit after tax of MBH Group in 2Q 2026 reached HUF 20.7 billion (HUF -33.4 bn q/q), while in 1H 2026 profit amounted to HUF 74.7 bn (HUF -23.0 bn y/y). Adjustments amounted to HUF +97.3 bn in 1H 2026, relating to the special tax on the extra profit tax, banking tax and the impact of interest rate cap. In accordance with the legislation of interest rate cap currently in force, in 2Q 2026, the expected loss on the full remaining term of loans subject to the interest rate cap was recognised. As the MBH Bank regards this as a temporary effect, it has been excluded from the result, it is also included in the adjustments. Once new legislation is approved, remove this item for the adjustments. 2.1.2 Total comprehensive income MBH Group's accounting (unadjusted) total comprehensive income (TOCI) in 1H 2026 amounted to HUF -9.2 bn, down HUF 52.3 bn compared to the same period last year. The change was mainly driven by decreasing income, higher operating cost level and risk costs. Booking items related to the change in the interest rate cap regulations – specifically, the removal of the expiry date of 30 June 2026 from the interest rate cap regulations – had a negative impact on the result. An expected loss of HUF 23.8 bn was recogn ised in respect of the full remaining term of loans subject 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. The HUF 44.4 bn 2Q adjusted total comprehensive income (HUF +0.7 bn q/q) was a result of the HUF 20.7 bn profit after tax and the HUF 23.7 bn other comprehensive income (OCI). The 2Q adjusted total comprehensive income stagnated y/y. The adjusted total comprehensive income in 1H amounted to HUF 88.1 bn (HUF +0.8 bn y/y). In 1H 2026 an in 2Q the adjusted profit after tax of MBH Group amounted to HUF 74.7 bn and HUF 20.7 bn, mostly driven by high net interest income. Impact of other comprehensive income in 2Q (HUF +23.7 bn) the adjusted 1H total comprehensive profit amounted to HUF 88.1 bn (+0.9% y/y). The (adjusted) ROAE was 12.2% (-5.1%-pts y/y), ROAE on adjusted total comprehensive income reached 14.4%. The core income increased by 2.9% y/y, with the decrease in interest income ( -9.7% y/y) compensated by the increase in fee and commission income (+9.8% y/y) and in the results from financial operations (HUF +24.0 bn y/y) in 1 H 2026. The adjusted total revenue margin (TRM) remained unchanged year-on-year (4.4%). HUF 8.8 bn provisions and impairments were charged in 1H 2026 and HUF 14.6 bn in 2Q 2026. The adjusted 1H credit risk cost rate was +0.3%. Operating expenses increased by 9.4% compared to the same period last year, the cost-to- income ratio for 1H 2026 rose to 64.2% (+3.8%-pts y/y).

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 12 2.1.3 Net interest income MBH Group’s cumulated adjusted net interest income was HUF 215.0 bn in 1H 2026 (HUF -23.0 bn y/y), representing a 9.7% y/y decline due to the change in the yield environment, despite the expanding customer loan portfolio. Net interest income decreased by 12.2% on a quarterly basis . Impact of interest rate cap applied to AC loans reduced the accounting profit by HUF 6.9 bn. The interest income for 1H 2026 amounted to HUF 520.3 bn (HUF +9.1 bn, +1.8% y/y). The interest income in 2Q decreased by HUF 16.2 bn (-6.0% q/q) compared to 1Q. The interest expense amounted to HUF 305.3 bn in 1H 2026, up HUF 32.1 bn (+11.7% y/y), due to increased funding costs. The net interest margin (NIM) decreased to 3.1% in 2Q ( -0.6%-pt y/y) because of de crease in net interest income. The 1H accumulated ratio was 3.3%, decreased by 46 bps year-on-year. Pressure on the net interest margin remains, driven not only by the continuing decline in interest rates but also by increased funding costs – including the base effect of the LTRO facility’ termination, a decline in retail deposits, and an increase in the bond portfolio required to meet MREL requirements. 2.1.4 Net fee and commission revenues The net fee and commission income amounted to HUF 53.7 bn in 1H 2026. The commission income for 2Q de creased by HUF 0.4 bn ( -1.5% q/q) relative to the previous quarter . The year-on-year YTD increase (+9.8% y/y) can be explained by the growth in commission income from payment transactions and investment services. 2.1.5 Profit/loss on financial transactions (FX and FV result) In 1H 2026 the profit on financial transactions amounted to HUF +11.2 bn, higher by HUF 24.0 bn year- on-year thanks to more favourable FX results. The negative impact of the interest rate cap applied to FV loans amounted to HUF 8.5 bn, which was excluded from the profit As a result of volatility in yields, the exchange and revaluation result decreased by HUF 2.5 bn q/q in 2Q, the OCI effect due to revaluation of the fixed rate government securities portfolio was increased to HUF +23.7 bn (HUF +34.1 bn q/q; HUF +20.3 bn y/y). The quarterly net revaluation result and exchange rate gain – as a result of the two impacts – was HUF +28.1 bn. 2.1.6 Other results Other revenues/expenses related to the MBH Group's core business operations, dividend income and contributions to the results of subsidiaries are reported as part of other results. Other results were HUF 3.6 bn in 1H (HUF +2.1 bn y/y), and HUF 2.9 bn in 2Q 2026 (HUF +2.2 bn q/q, HUF +1.6 bn y/y). Quarterly growth is mainly due to dividend income. 2.1.7 Operating expenses MBH Group's general administrative expenses were HUF 181.9 bn in 1H 2026 (2Q: HUF 95.2 bn, +10.0% q/q, +5.7% y/y). The +9.4% (HUF +15.6 bn ) y/y increase is largely due to higher expert and IT fees, personal costs and the expansion of the consolidati on group with Otthon Centrum . Operating expenses adjusted for the impact of the acquisition would have increased by 8.7% in 1H 2026. The cost-to-income ratio for 1H 2026 up to 64.2% (+3.8% -pts y/y). 2Q cost -to-asset ratio (C/A) increased to 2.9% (+23 bps q/q, +7 bps y/y) due to higher operating costs.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 13 The personnel expenses amounted to HUF 40.3 bn in 2Q 2026, increased by 5.2% compared to the same quarter of the previous year impact of wage growth and 1H PEREX reached HUF 79.4 billion, increased by 6.0% y/y. Quarterly increase (+3.2% q/q) is explained by seasonal factors. The number of employees of MBH Group at the end of June 2026 was 8,627.7 FTE ( -436.2 FTE; -4.8% y/y). Other operating expenses in 2Q 2026 were HUF 41.7 bn, increased by 5.1% y/y (+14.6% q/q). 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). Depreciation increased by 9.5% y/y in 2Q 2026, amounted to HUF 13.2 bn, driven by IT investments in the past periods. 2.1.8 Risk costs HUF 8.8 bn adjusted risk cost (provisions and other impairments) was charged in 1H 2026 and HUF 14.6 bn in 2Q 2026. In 2Q, impairment losses were recognised as a result of several one-off transactions falling into default and the deterioration of credit ratings; furthermore, the Bank’s management established an overlay to address the regulatory uncertainties observed in the financial intermediary environment and the resulting potential economic and cred it risk effects. In addition , HUF 8.3 bn expected loss (modification loss) was accounted for in 2Q due to the extension of the interest rate cap due to legislative changes was recognised; however, this was excluded from the adjusted profit. The NPL closing portfolio was HUF 229.7 bn at the end of 2Q 2026, increased by HUF 6.1 bn during the quarter (+2.7%-pt q/q). IFRS-based NPL ratio increased to 3.6%. The NPL coverage stood at 98.9%, the total coverage was 3.6%. 2.1.9 Corporate income tax In 1H 2026 HUF 10.8 bn unadjusted corporate income tax expense was recorded, as a result of HUF 1.3 bn current corporate income tax expense, HUF -0.3 bn deferred tax expense, HUF 8.5 bn local business tax and HUF 1.3 bn innovation contribution. The adjustments in the flash report had a tax effect of HUF 7.3 bn, therefore the adjusted corporate income tax was HUF 18.0 bn expenses.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 14 2.2 Balance sheet The balance sheet of the MBH Group is presented on the basis of consolidated financial statements prepared according to IFRS. Adjusted balance sheet (in HUF million) 2Q 2025 1Q 2026 2Q 2026 P/P Y/Y Financial assets 1,294,666 1,230,658 1,266,072 2.9% -2.2% Trading portfolios - Assets 195,201 193,930 158,687 -18.2% -18.7% Securities 4,453,701 4,897,330 4,700,020 -4.0% 5.5% Loans and advances to customers/Customer Loans (net) 5,915,851 6,133,523 6,113,407 -0.3% 3.3% Loans and advances to customers/Customer Loans (gross) 6,204,775 6,359,290 6,337,048 -0.3% 2.1% Retail business segment 2,478,933 2,595,937 2,661,631 2.5% 7.4% Corporate business segment 3,039,452 3,041,384 2,977,220 -2.1% -2.0% Leasing 602,298 633,440 637,782 0.7% 5.9% Other 84,091 88,529 60,415 -31.8% -28.2% Provision for Customer loans -288,924 -225,767 -223,641 -0.9% -22.6% Total other assets 592,860 664,395 688,167 3.6% 16.1% Investments in jointly controlled entities and associates 151,082 153,650 149,714 -2.6% -0.9% Intangibles, property and equipment 260,996 327,019 344,611 5.4% 32.0% Other assets 180,781 183,726 193,842 5.5% 7.2% Total Assets 12,452,278 13,119,836 12,926,354 -1.5% 3.8% Interbank liabilities 1,988,841 1,943,533 2,083,922 7.2% 4.8% Deposits & C/A 7,925,416 8,297,652 7,751,525 -6.6% -2.2% Retail business segment 3,135,456 3,176,553 2,989,444 -5.9% -4.7% Corporate business segment 4,582,161 4,951,807 4,647,006 -6.2% 1.4% Other 207,800 169,291 115,075 -32.0% -44.6% Issued debt securities 1,044,010 1,292,720 1,371,638 6.1% 31.4% Other liabilities 352,757 367,081 482,472 31.4% 36.8% Shareholders' Equity 1,141,255 1,218,851 1,236,796 1.5% 8.4% Total Liabilities & Equity 12,452,278 13,119,836 12,926,354 -1.5% 3.8% Loan commitments given 1,999,374 2,238,340 2,248,998 0.5% 12.5% Financial guarantees given 115,401 81,522 76,267 -6.4% -33.9% Other Commitments given 264,609 329,439 330,092 0.2% 24.7% Customer off Balance items 2,379,383 2,649,301 2,655,356 0.2% 11.6% MBH Group MBH Group’s total assets amounted to HUF 12,926.4 bn by the end of 2Q 2026 (HUF -193.5 bn; -1.5% q/q), with a yearly increase of HUF 474.1 bn (+3.8% y/y). Loan portfolio increased by HUF 132.3 bn (+2.1%) in a yearly comparison, primarily driven by the performance of the retail business. However, on quarterly basis the portfolio decreased by 0.3% due to the corporate segment. The deposit portfolio amounted to HUF 7,751.5 bn at the end of 2Q 2026 (-2.2% y/y, -6.6% q/q). The quarterly drop was driven by the decrease in the deposit portfolios both in the corporate and in retail segments. Loan-to-deposit ratio reached 81.8%, 3.5%-pts higher than in the same period of the previous year (+5.1%-pts q/q) due to decrease in deposit volumes . LCR (145.0%) and NSFR (123.9%) ratios are above the regulatory minimum. Shareholders' equity changed to HUF 1,236.8 bn (+1.5% q/q; +8.4% y/y). Stable capital position, 20.9% capital adequacy ratio and 18.7% CET1 ratio at the end of the period.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 15 2.2.1 Loans Gross loans amounted HUF 6,3 37.0 bn, down by 0. 3% (HUF -22.2 bn) compared to the previous quarter, while year-on-year loans the growth reached 2.1% (net: +3.3% y/y). The retail customer loans increased by 2.5% q/q to HUF 2,661.6 bn at the end of June. On yearly basis, the growth rate reached 7.4% due to the favourable business activity. Corporate gross loan portfolio decreased by 2.1% compared to the previous period - more selective approach applied in case of new large corporate lending -, reaching HUF 2,977.2 bn at the end of 2Q 2026 (-2.0% y/y). The leasing portfolio increased by 5.9% y/y (+ 0.7% q/q), reaching HUF 63 7.8 bn at the end of the quarter. Provisions for customer loans was 0.9% lower than at the end of the previous quarter, while the year- on-year decrease reached 22.6%. 2.2.2 Securities Securities portfolio together with trading portfolio increased by HUF 246.3 bn (+5.5%) y/y, and as a result, the portfolio of securities amounted to HUF 4,700.0 bn at the end of 2Q 2026. The securities portfolio decreased in quarterly comparison (-4.0% q/q). 2.2.3 Financial assets The portfolio of financial assets increased by HUF 35.4 bn during the quarter ( +2.9% q/q), while the year-on-year decrease was HUF 28.6 bn (-2.2% y/y). The quarterly increase can be explained by higher interbank lending volumes. The stock stood at HUF 1,266.1 bn at the end of the period. 2.2.4 Deposits and C/A Customer deposit portfolio amounted to HUF 7,751.5 bn (-6.6% q/q) at the end of the quarter. Corporate deposit portfolio decreased by HUF 304.8 bn (-6.2% q/q), reaching HUF 4,647.0 bn at the end of the quarter. Deposits in the retail segment reached HUF 2,989.4 bn (-5.9% q/q) at the end of 2Q. Quarterly decrease was influenced by several factors: (i) FX impact : the forint strengthened by approximately 8% in 2Q, which reduced the reported deposit portfolio by around HUF 130 billion (25% of the decline). (ii) Elevated base: end of 4Q 2025 and 1Q 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. (iii) The trend in deposit volumes was also influenced by the decline in the stock due to strong market competition. On an annual basis, customer deposit portfolio decreased by 2.2%, driven primarily by the change in the retail segment’s volume (-4.7% y/y). Loan-to-deposit ratio increased to 81.8%, 3.5%-pts higher than in the same period of the previous year (+5.1%-pts q/q) due to decrease in deposit volumes. The deposit -loans surplus was HUF 1 ,414 bn at the end of 2Q 2026.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 16 2.2.5 Interbank liabilities The portfolio of interbank liabilities amounted to HUF 2,083.9 bn (HUF +140.4 bn q/q; HUF +95.1 bn y/y) at the end of 2Q 2026, the yearly increase can be explained by the rise in repo transactions. 2.2.6 Issued securities The stock of issued securities increased by 6.1% (HUF +78.9 bn q/q) over the quarter to HUF 1, 371.6 bn at the end of 2Q 2026 (HUF +327.6 bn y/y). During 2Q 2026, MBH Bank Nyrt. announced 3 subscription periods for the placement of senior bonds, mainly sold to retail customers, during which a total of HUF 9.3 bn and EUR 3. 0 million bonds were placed. In addition to the foregoing , subordinated zero -coupon bonds were also issued for remuneration purposes with a nominal value of HUF 12.8 bn. These issues were made under the Bank’s HUF 500 bn domestic issuance programme. 2.2.7 Capital MBH Group's capital amounted to HUF 1,2 36.8 bn at the end of 2Q 2026. Capital accumulation continued in y/y terms: +8.4% y/y respectively, significantly increasing the shock absorbing capabilities of the Bank (1.5% q/q). 2.2.8 Off-balance sheet exposures to customers MBH Group’s off-balance sheet exposure reached HUF 2, 655.4 bn at the end of 2Q 2026, corresponding to a 0.2% (HUF +6.1 bn q/q) increase on a quarterly basis (+11.6%; HUF 276.0 bn y/y). The year-on-year growth was attributable to an increase in the volume of loan commitments given (+12.5% y/y). 2.3 Capital adequacy The capital adequacy of MBH Bank Group remains stable, with a capital adequacy ratio (CAR) of 20.9% at the end of 2Q 2026 (+21 bps q/q, -35 bps y/y), and CET1 ratio of 18.7%. In 2Q 2026, T1 capital increased by 2.2% over the quarter (+11.2% y/y) mainly due to 2Q OCI income. RWA remained unchanged (HUF +2.0 bn q/q); the reduction in market risk was offset by an increase in the capital requirements for operational and credit risk, standing at HUF 5,685.7 bn at the end of the period. Following the annual ICAAP review, the minimum capital requirement (OCR) increased by 1.08% to 17.2% from 30 June 2026.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 17 2.4 Presentation of business segment results In this chapter, MBH Group’s customer portfolio and market share are presented by segments. The segments are formed according to the requirements used in the reports prepared for the National Bank of Hungary (HNB), and the portfolios are presented accordingly. 2.4.1 Corporate and institutional customers MBH Bank continues to be an important and active participant in the Széchenyi Card Program, significantly contributing to the competitiveness of domestic businesses with its supported schemes. The MAX+ series of the Széchenyi Card Programme helps Hungarian SMEs since January 2023. From 1 July 2024, in addition to the end of the crisis support title, there were changes in the terms of conditions and eligibility criteria. To further stimulate corporate lending, the government reduced interest rates in October 2025 on the working capital financing products of the Széchenyi Card Program— excluding agricultural-type transactions, reducing the interest rate to 3.0%. Currently, the products are only eligible for de minimis support title. The latest guarantee structure provided by Garantiqa Hitelgarancia Zrt. to assist small and medium - sized enterprises, the Garantiqa InvestEU Guarantee Program, has been available at MBH Bank since October 2024, among the first. The aim of the Garantiqa InvestEU Guarantee Program is to accelerate the growth of productivity and efficiency of beneficiary enterprises, thereby improving their competitiveness, facilitating access to financing, and enhancing the availability of financing, primarily for high-risk small and medium-sized enterprises or those lacking adequate collateral. This cash guarantee solution does not burden the clients' already limited de minimis frame, given that the Garantiqa InvestEU guarantee is based on the General Block Exemption Regulation (GBER) InvestEU title. The advantages of the InvestEU guarantee include the 95% counter-guarantee provided by the EU, fast processing times, and favorable terms and conditions for clients. It can be applied to overdraft facilities, working capital loans, and investment loans, provided that both the client and the transaction meet the framework conditions of the program. By the end of 2028, some 17,000 Hungarian SMEs will have access to a total of HUF 600 billion in loans through Garantiqa Hitelgarancia Zrt. with the help of the nearly HUF 400 billion guarantee scheme launched under the Garantiqa InvestEU Guarantee Programme. In the first half of 2026, MBH Bank—partly driven by the expansion of its product portfolio—increased its portfolio by close to 30% compared to the previous year, with trade finance growth far exceeding overall corporate lending market growth. In the field of pre-financing agricultural subsidies, MBH Bank is a key market player, serving farmers of all sizes —from the smallest to the largest—through its dedicated pre-financing product. The Bank's objective is to offer its own product to provide instant access to working capital financing to any company with a good customer base and a growing target market. In 4Q 2024, the Ministry of National Economy launched the Demján Sándor Program as part of the New Economic Policy Action Plan, which received special focus in 2025 and 1 H 2026 for business financing. As a committed partner to businesses, MBH Bank makes available all schemes that can support their development. Accordingly, MBH Bank joined the supported loan programs refinanced by Eximbank (Jövő Exportőrei (JEA) and Exportélénkítő (EXA)) announced under the Program in December 2024. MBH Bank was among the first to make the schemes launched by EXIM available, continuing to support the competitiveness of domestic businesses in 2025. Under the Demján Program, both

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 18 standard and green Exim investment loans were introduced. MBH Bank pays special attention to supporting and realizing its clients' green loan objectives. MBH Bank has traditionally maintained close ties with Eximbank to enable customers to benefit from EXIM financing sources. In order to provide flexible and comprehensive services to its customers, the Bank continues to actively participate in all subsidized loan programs announced by Eximbank, including the Demján Sándor Program, which was continued in 2026. The bank's clients have requested these products in significant amounts, including for green investment purposes. In 1Q 2026, the Future Exporters Investment Loan Programme, the Future Exporters Investment Programme (aimed at foreign acquisitions), and the Future Exporters Working Capital Loan Programme were available. Eximbank’s working capital loan proved highly suc cessful, with the HUF 50 billion framework fully utilised within a single day, reflecting significant demand for subsidised working capital financing. After the original HUF 600 billion framework was exhausted in November 2025, Eximbank increased it by an additional HUF 100 billion, followed by a further HUF 200 billion increase in March 2026. The financing facilities continue to be available to companies through the Bank. In 2Q 2026, subsidized loan products continued to receive exceptional attention from the Bank's clients compared to market -rate loans, given that these products represent a significantly lower interest burden for companies, thereby greatly enhancing the domestic and international competitiveness of Hungarian businesses. In 2026, MBH Bank continues to focus on providing high -quality service to clients operating in the agricultural sector. From 1 January 2025, the counter-guarantee provided under the InvestEU Program is also available at the Agricultural Business Loan Guarantee Foundation (AVHGA) for transactions covered by AVHGA guarantees. At Bank, InvestEU counter-guarantees can be requested for transactions according to the AVHGA Business Regulations, provided the transaction meets the conditions of the counter -guarantee offered under the InvestEU Program by AVHGA. Transactions secured with foundation guar antees alongside the InvestEU counter -guarantee benefit from the support of the European Union through the InvestEU Fund. The primary goal of the program is to facilitate access to financing for small and medium -sized enterprises when state counter -guarantees cannot be applied for some reason, or the financing is higher risk, or the enterprise lacks adequate collateral. With the guarantee, a broader range of businesses become creditworthy at a favorable guarantee fee. In the field of pre-financing agricultural subsidies, MBH Bank is still a key market player, serving farmers of all sizes—from the smallest to the largest—through its dedicated pre-financing product. The Bank's objective is to offer its own product to prov ide instant access to working capital financing to any company with a good customer base and a growing target market. This year, participants in the agricultural sector are eagerly awaiting the investments that will be made possible thanks to the KAP Strategic Plan, so non-tender investment activity is currently low. We assist our customers in several ways with their inve stment projects implemented under the KAP Strategic Plan. On the one hand, MBH Forrás Zrt. provides assistance in compiling applications, and on the other hand, our Bank offers comprehensive financing solutions for successful applications at every stage of the investment. Our Bank has created a separate loan product group for this purpose, called MBH VP AGRO – KAP ST. With the help of pre-financing loan, businesses can access funds more quickly through the advance payment of the amounts awarded in the tender. Within the framework of the KAP Strategic Plan, our clients who have won investment tenders can obtain long -term, low -interest financing through interest-subsidized investment loans, as well as through the bank's own market-rate investment loans and the optimization of these products. In addition to interest-subsidized investment

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 19 loans, institutional guarantee fee subsidies are also available under the relevant call for proposals of the KAP Strategic Plan, which can be used to reduce the guarantee fee charged by AVHGA for investment loans in cases where the applicant companies are unable to offer the bank adequate collateral. The amount of interest cost support shall be a maximum of 10% of the eligible costs specified in the investment support document for the activities specified therein, while for institutional guarantee fee support it is a maximum of 5%, with the proviso that investment, interest cost and guarantee fee support together may not exceed the maximum aid intensity of 65% for the activity in question. To accelerate the implementation of KAP ST investments, we have also made our dedicated bank guarantee product available, which allows up to 50% of the grant to be drawn down in the form of an advance payment. In the case of investment loans and bank guarantees, AVHGA's guarantee is now available with an InvestEU counter-guarantee in addition to a state counter -guarantee, which means that a wider range of applicants can provide adequate collateral, thereby increasing the number of businesses that can access bank financing. MBH Bank’s digital corporate banking channels continue to evolve, with the MBH Corporate NetBank, MBH Direct Bank, and MBH Corporate Mobile App being enhanced through new functionalities and an upgraded user interface. The most significant developments are linked to the SWIFT / ISO 20022 international payments standards migration. As a result of the related regulatory changes, several functions and interface elements were modified effective 26 June 2026, while the new versions of the affected services became available to clients from 27 June 2026. A further milestone in the development of the Bank’s electronic banking connectivity solutions is the enhancement of the MultiCash service. An informational subpage related to the service has been completed and published on the Bank’s website under the EBI CS–MultiCash services section. The solution supports corporate clients in managing their payment and cash management processes more efficiently while also strengthening the integration between the Bank’s systems and corporate treasury platforms. To support the rollout, a comprehensive EBICS–MultiCash Service Product Description has also been prepared and made available on the website, providing detailed information on the solution’s functionality and key features. Among the corporate loans, the portfolio of non -financial enterprises (based on the segmentation as per the HNB's statistics requirements) amounts to HUF 2, 503.2 bn, 3.2% lower than in the previous quarter, on an annual basis the decrease was 3.0% (HUF -78.1 bn y/y). The Bank’s market share reached 18.2% at the end of the quarter. The non-financial corporate deposit portfolio (based on the segmentation as per the HNB's statistics requirements) decreased by 8.3% q/q to HUF 3,109.3 bn (HUF -114.4 bn y/y). The Bank’s market share reached 18.6% at the end of the quarter. Agricultural clients Market environment: Market trends and key factors are creating a moderately negative, increasingly risky environment for financing in the agricultural and food industries. • Market concerns regarding the conflict with Iran have eased, and oil prices fell significantly during the quarter (Brent: $103.97 → $72.74). Following the U.S. -Iran agreement reached during the reporting period, the situation remains tense, but shipping traffic has resumed. Hungarian agriculture may continue to face production risks:

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 20 o persistently high oil and energy prices may increase the costs of agricultural operations in the short term; o due to high natural gas prices and supply risks, fertilizer prices have risen significantly; if this trend persists, it could have a negative impact on input prices in the fall; o markets remain fragile and volatile, which reduces the predictability and planning ability of farm profitability on both the input and crop sides. • Global grain and oilseed production volumes have increased compared to previous years, so we are essentially still seeing a supply -driven market; at the same time, daily news regarding weather and production outlooks is causing prices to fluctuate significantly in both directions, and volatility has increased. Partly due to the strong HUF, domestic purchase prices are 10 – 15% lower than they were a year ago. The growing season so far in 2026 has been marked by an extreme drought and a near -record heat wave in late June, which severely damaged root crops. • Purchases of live animals and animal products increased by 8.6% compared to the previous year through April; this was partly due to a base effect and may also have been caused by new production capacities coming online, primarily in poultry farming. The vo lume of milk purchases also increased slightly in April and May, while the volume of hog slaughter remained essentially unchanged. • In the livestock sectors, sales prices followed widely divergent trends. The producer price index fell significantly in the dairy and pork sectors during the January–April period compared to last year (-26.7% and -22.2%, respectively), remained stable for poultry for slaughter, and rose by 33.9% for cattle for slaughter. • According to the latest data (January –April), the volume of output in the domestic food industry has already begun to show a slight increase compared to the same period last year (+0.8%). Producer prices in the food industry fell by 2.4% in January–May 2026. Business results: • During the quarter under review, seasonal patterns typical of the agricultural sector determined the trend in the Bank’s total agricultural (gross, on-balance-sheet) loan portfolio. The portfolio grew by 4% during the quarter, driven primarily by agricultu re and other agribusiness sectors (trade, agricultural integrators), while the food industry saw a decline of a few percentage points. • Based on the investment support documents issued under the CAP Strategic Plan, investments have in many cases already begun, along with the associated demand for bank and lease financing. Due to more challenging market conditions affecting the manufacturin g sectors, some investors are delaying implementation, while others are still awaiting funding decisions; as a result, activity has so far fallen short of initial expectations. • The 12 -month change in the loan portfolio, which filters out seasonal fluctuations in agriculture, continues to show single -digit growth (+4%), primarily due to the food industry and other agribusiness sectors. • Following the very strong growth seen in 2023 –24, the factoring portfolio stabilized at a high level; since then, it has been characterized by fluctuations in line with the sector’s typical seasonal patterns, as well as slower, organic growth. During the reporting period, the portfolio grew by 12%, while the 12-month change in the portfolio, adjusted for seasonal fluctuations, was 3%.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 21 • The deposit stock of agriculture-related businesses was strongly influenced by seasonal factors during the quarter in question, resulting in a significant decline in the amount. The 12 -month change, which filters out seasonal patterns, shows a slight decrease of 2%. • MBH Bank remains the clear market leader in the Agrár Széchenyi Program. For Agrár Széchenyi Cards, the total amount secured by existing guarantees increased both for the Bank and for the market as a whole; based on the loan portfolio, the Bank’s market share remains stable at over 70%. In the case of Agrár Széchenyi Investment Loans, the total market portfolio continued to grow, while the Bank’s market share declined slightly within this segment. State administration relations, Municipal clients, Churches MBH Bank gives priority to providing high quality services to higher education institutions, foundations, public foundations, associations , priority sports organizations and their closely affiliated business entities, as well as other public benefit organisations, and has an independent team of experts to provide unique financial solutions to its public administration, public service and priority social clients. In response to the specific needs of the segment, in addition to the continuous development of financial solutions, MBH Bank's key strategic goal is to maintain a socially responsible approach, which it supports through strategic agreements , educational initiatives and unique specialized educational and cultural projects. Finding and exploiting synergies is one of the foundations of efficient operation and shared business success. At the end of 2Q 2026 MBH Bank serves more than 300 university and foundation , sports organizations, as well as non-profit clients and heir subsidiaries in Budapest and the countryside, with stable savings portfolio, that demonstrates the effectiveness of customer service and partnerships that extend beyond the traditional banking sphere. MBH Bank retained its second-place position but continues to strive for market leader in the entire municipal segment and continued to successfully implement its municipal strategy in 2Q 2026. At the end of 2Q 2026 MBH Bank manages the accounts of more than 1,200 municipalities and their institutions (primary education institutions, kindergartens, nurseries, etc.). On 1 October 2025, MBH Bank successfully introduced the so -called MÁK decentralized municipal account management model, thereby complying with Act XXI of 2025 and Government Decrees 194/2025 (VII.8.) and 195/2025 (VII.8.) in serving its clientele in cities with county rights. (VII.8.) and 195/2025 (VII.8.) Government Decrees. In 2Q 2026, MBH Bank actively participated in consultations regarding the further development of the decentralized municipal account management model in accordance with the requirements of the Hungarian State Treasury and continued its preparations for the next milestone in compliance with the relevant legislation, to be implemented on 18 January 2027, which will extend its operations to include municipal governments. During 2Q, MBH Bank continued to enhance its business services for municipal and institutional clients, resulting in further improvements in the customer experience and a stronger customer -centric approach. In 2Q 2026, the specialised area of MBH Bank dedicated to serving church clients further strengthened its position and deepened its network of relationships within the church and church institutional client base, in line with the strategy already underway. At the end of 2Q 2026 MBH Bank manages nearly 2,000 church clients with stable savings portfolio.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 22 Following the strategic agreements reached with the national leadership of established churches, the Bank is further expanding its cooperation with regional, district, and county organizations that carry out operational tasks. During the quarter, MBH Bank, in cooperation with its church clients, installed additional donation kiosks, thereby promoting the modernization and digitization of donation practices. In addition to financial service, MBH Bank is actively involved in the daily life of church organisations through social responsibility initiatives, financial awareness programmes and sponsorship of various events. 2.4.2 Retail customers Daily banking and related credit products Record results were achieved in the retail account segment thanks to the two -day sales promotion announced in June. The MBH TRIPLA offer continued into the second quarter. A new offer aimed exclusively at new customers, the FIX NULLA account package, was launched. The campaign aimed at increasing card penetration also continued in 2Q, in collaboration with the card company. With regard to overdraft facilities, the positive trend continued in the second quarter, primarily due to the independently marketed overdraft product. In 2Q, the Bank achieved outstanding results in credit card issuance compared with the same period of the previous year; although this year’s figures fell short of that level, business expectations were met. In 2Q, the Bank achieved results in consumer credit that were on a par with the same period of the previous year, meaning that business expectations were met in this area as well. In the second quarter, partner sales achieved outstanding results in terms o f credit card issuance compared with the same period last year, thanks to branch sales and promotional offers provided by partners. To increase customer satisfaction, MBH Bank, through its Fleet Partner Program, enables employees of participating employers to access discounted banking products and services and helps simplify and streamline their financial solutions. MBH SZÉP card As of 30 June 2026, the number of MBH SZÉP Card holders exceeded 284,000. Between 1 April and 30 June 2026, employer contributions totaling approximately HUF 7.17 billion were credited through 197,800 transactions. The number of employer contribution transactions decreased by 7.1%, while the total value of benefits decreased by 31.8% compared to the same period in 2025. In 2Q 2026, MBH SZÉP Cardholders carried out 1.1 8 million spending transactions, amounting to HUF 7. 9 billion. The number of spending transactions decreased by 6.6%, while total spending decline by 6.1% year-on- year. From 1 January 2025, the SZÉP Card includes two sub -accounts: Accommodation and Active Hungarians, the latter dedicated exclusively to sports activities. Between 1 April and 30 June 2026, employer contributions to the Active Hungarians sub-account reached nearly HUF 20.8 million.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 23 Savings The closing volume of retail deposits (based on segmentation according to the HNB's statistics criteria) was HUF 2,341.7 bn, which means a decrease of 5.3% q/q (-2.4% y/y). The Bank’s market share reached 15.3% at the end of the quarter. In early May 2026, a deposit offer with an attractive interest rate was launched, which attracted interest from a wide range of retail customers. As a result, by the end of the quarter, the volume of new funds placed in deposits had reached HUF 21 billion. The fee refund promotion launched in early January for certain investment funds continued into the second quarter. For investment funds participating in the promotion, customers are eligible for a refund of the investment fund purchase fee provided they me et specific conditions (e.g. increasing their holdings). Covered and uncovered loans In 2Q 2026, the Bank’s mortgage sales focus remained on the Otthon Start Home Loan product. This product is uniquely available on the market in an offset mortgage structure and is offered at preferential interest rates to eligible Fleet Key Partner Program participants and Premium customers. The Bank also completed preparations for the introduction of phased financing related to construction rights. Mortgage sales are supported by promotional campaigns (e.g. fee waivers and refunds, cash back subject to specific conditions), the terms of which were further improved in several stages in February and April 2026. The strategic goal of the MBH Banking Gro up is to provide customers with the full spectrum of government-subsidized loan products. During 2Q 2026, MBH provided one of the market’s most attractive promotional campaigns for Otthon Start loans, offering cash rebates of up to HUF 500,000 to eligible customers. The campaign was supported by a nationwide integrated media campaign. The Bank also maintained its DUO loan structure, combining market-rate and government-subsidized loans. Upon the launch of the related promotion, the Otthon Start Home Loan was included, and the campaign was extended again after 1 January 2026. Within this framework, customers may supplement the subsidized home loan amount with a market -rate mortgage at favourable interest conditions. To strengthen its position in the baby loan segment, the Bank continues to offer its joint Baby Loan campaign with Brendon. To further enhance customer experience, the Bank continues to allocate significant resources to optimize its mortgage lending process. It actively participates in the implementation of the E -Ing system (electronic land registry and title deed retrieval), in cooperation with the Hungarian Banking Association and the Lechner Knowledge Center. Personal loan disbursements increased by 19% quarter -on-quarter and exceeded the corresponding period of the previous year by 20% in 2Q 2026. Significant progress was achieved in the Bank’s digital capabilities, as the simplified pre -approved personal loan sales process —built on a best -in-class platform introduced across the entire branch network during the previous quarter and extended t o the mobile application channel —became available to all customers eligible for the pre -approved process. To capitalise on the seasonal peak in personal loan demand, the Bank launched a branch sales competition in June.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 24 1Q 2026 started strongly in terms of consumer credit disbursements, significantly exceeding the results of the base period by 36%. In 2Q, there was a slight slowdown in demand for consumer credit compared to the previous quarter, but disbursements still exceeded the base period’s figure by more than 11%. Plans available at 0% APR remain popular among the customers of our retail partners. The volume of MBH Group's retail loans (based on segmentation according to the HNB's statistics criteria) at the end of 2Q 2026 amounted to HUF 2,531.0 bn, which represents an increase of HUF 61.2 bn compared to the previous quarter. On a year -on-year basis, the increase reached HUF 185.0 bn. The market share of the Bank reached 18.8% at the end of 2Q 2026. The closing portfolio of housing loans amounted to HUF 1,611.5 bn at the end of 2Q 2026 (HUF+156.1 bn y/y, HUF + 53.6 bn q/q). The Bank’s market share reached 2 0.6%. The portfolio of consumer and other unsecured loans increased by 5.7% year on year, thus amounting to HUF 782.7 bn at the end of the period (+41.9 bn y/y). The new housing loan contracts amounted to HUF 121.7 billion in 2Q 2026, which is higher by 36.1% than the same quarter of the previous year (+23.3% q/q). In 1H 2026, the Bank contracted new housing loans totalling HUF 220.4 billion (+16.2% y/y). The Bank's market share reached at 15.3% in 2Q 2026. The new personal loans contracts amounted to HUF 50.8 billion in 2Q 2026, which is 21.0% higher than in 2Q 2025 (1H 2026: HUF 93.4 bn, +11.9% y/y). The Bank's market share reached at 12.6% in 2Q 2026. Insurances On 5 May 2026, a three-month promotional campaign was launched for the CIG360 Life, Accident and Health Insurance risk life insurance product. During the campaign period, customers are entitled to an automatic 20% premium discount. Compared to the corresponding period of the previous year, group insurance performance remained broadly stable in the second quarter of 2026. Stronger growth was observed in insurance products linked to various life events, including income protection, acc ident, and life insurance products. As a result of increased mortgage lending activity, the performance of related credit protection insurance products was approximately 1.5 times higher than in the corresponding period of the previous year. In addition, home insurance sales also recorded significant growth, reaching 147% of the prior-year level. Premium segment In 2Q, growth in the premium segment recorded modest growth, both in terms of customer numbers and assets under management. As of the end of June, premium clients’ assets totaled HUF 1,2 99 billion, representing a 1.8% increase compared to 1Q. The number of premium customers reached nearly 5 9,000, reflecting a 1.7% quarter ‑on‑quarter increase. Investment penetration within the portfolio stood at 76%. During Q2, volumes invested in MBH Fund Management products increased significantly (+5.4% q/q), with absolute return strategies remaining the preferred investment choice among clients. MBH Private Banking In the last year, with the professional support of MBH Bank's Private Banking division and based on a cooperation agreement between MBH Forrás Zrt., a member of the MBH Group, and its partners, family wealth planning services became available to the MBH Group's private ba nking clients. This

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 25 makes the MBH Group a pioneer in the domestic market, offering solutions to clients interested in holistic family wealth planning services. The new service closely matches the market demand that different assets (such as shares, precious metals or investment -purpose works of art) need to be managed in a unified, integrated way, taking into account the aspects of multi -generational coordination of family wealth or the issue of inheritance between generations. Thanks to the ever-expanding network of strategic partners—which continues to grow in 2026— and the professional background of the MBH Group can provide an increasingly wide range of services, which, among other things, also includes advice on trust management, inheritance, tax and consulting, precious metal trading, and art investment. As a result of the interest rate cuts implemented and anticipated by the NBH, client demand for government securities has waned, yet the yield expectations of private banking clients have remained unchanged. Consequently, lower-risk investment funds, certificates, and in some cases Hungarian and international equities have gained a more significant role in client portfolios. Despite the changing capital market conditions, the private banking portfolio under management did not change significantly, so the Bank continued to maintain its market position. Micro and small business segment The bank's acquisition value proposition was based on two main pillars in 2Q 2026 as well. The first was the Referral Program, which focus on new account openings recommended by existing retail and corporate customers. The second was the Lépték GO service package, which supports acquisition through discounted options. The promotional Lépték GO service package, supplemented by Iránytű, offers a unique opportunity on the Hungarian banking market. The dual-pillar approach allows both new customers —whether they come in as walk -ins or through referrals—and existing customers to benefit from significant account management discounts. Further deposit promotion is available for new funds from new clients. This can be combined with the 'Lépték GO x Iránytű' discount, further strengthening our joint value proposition. In 2Q 2026, subsidised loan structures will continue to be the most popular, with market -rate loans taking a back seat. MBH BUPA Platform: an AI Assistant has been deployed, which acts as an artificial intelligence-based chatbot to help entrepreneurs better understand grant funding and related financial information. The assistant provides support on topics such as the GINOP and DIMOP application criteria, the operation of MFB Points, MBH Bank's micro and small business products, as well as information on the BUPA platform and the Sándor Demján programme. The aim is to use AI support to reduce information uncertainty and to help businesses navigate more quickly through the world of support opportunities. Within non -financial corporations, the loan portfolio of microenterprises stood at HUF 627.3 bn (+2.9% q/q; 6.3% y/y) at the end of the period. MFB Points At the end of 2Q 2026, the Bank had 155 MFB Pont Plusz branches. In the market for MFB Pont Plusz retail products, there continued to be significant customer interest throughout the quarter; as a result, the available retail allocation was exhausted, and new applications

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 26 for the programme were therefore temporarily suspended. The Bank’s market share remains close to 40%2. The corporate product portfolio remained unchanged in 2Q 2026, no new models were introduced and no significant product modifications were made. Following the oversubscription in the first quarter for the ‘B’ working capital loan component of the SME Technology Plus Loan Programme, no additional funding was secured for the programme by the end of the reporting period. The Bank remained a key player in the corporate MFB Pont Plusz lending market, where its market share exceeds 43%3. Branch and ATM network MBH Banking Group has the largest branch network in the Hungarian market, 396 branches are serving the clients countrywide at the end of June 2026. In 2Q 2026, MBH Banking Group continued the Customer-Centric Growth program in line with the long-term strategic objectives set at the beginning of the year, while adapting to the changing macroeconomic environment and economic policy decisions. Within its branch network, MBH Banking Group introduced a new cash management process and regulatory framework aimed at optimizing cash operations. As a positive result, the operational processes related to cash transactions became more structured, cost-efficient, and effective. Over the past months, MBH Banking Group further expanded the presence of its branch and cash withdrawal infrastructure, while the unified brand image renewal of five bank branches was completed. During the modernization process, the Banking Group placed sp ecial emphasis on transforming the traditional branch operating model—built around teller and cashier services—into a consultative service model. This new approach provides customers with a more personalized advisory environment while ensuring premium and discreet service. The widest range of digital platforms and tools offered by the bank was implemented at the Etele Plaza branch in Budapest, which was opened in June 2026. MBH Banking Group also maintained a strong focus on enhancing its mobile banking application to better support everyday transactional needs. The MBH Bank App received a streamlined and customizable new interface that offers easier navigation and faster access to functionalities, helping customers manage their finances in a more intuitive way. As a result of ongoing ATM network development, MBH Banking Group now operates more than 1,200 ATMs. Within the framework of the Customer-Centric Growth project, the Group launched several initiatives to strengthen network sales activities in the Retail business area. Through the “We Are Here for You” program, the bank continuously provides supporting tools while introducing customer - friendly processes, as well as solutions aimed at improving customer experience and customer retention. These initiatives are designed to ensure that both external and internal customers feel they can always rely on the bank. During 2Q 2026, MBH Bank’s ATM expansion project progressed at a more moderate pace. The bank’s ATM network grew by four machines, whilst a further 17 new locations were identified and 2 Based on the accepted portfolio data published in the Steering Committee meeting presentation issued by MFB at the beginning of each month. 3 Based on the accepted portfolio data published in the Steering Committee meeting presentation issued by MFB at the beginning of each month.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 27 preparations for installation were carried out. As in 1Q, the focus in 2Q was on preparing new locations to ensure regulatory compliance and on sites that are important for coverage. To further strengthen the bank’s organizational culture and foster alignment with the values of MBH Banking Group, the Network Sales division introduced an additional recognition program for branch network employees. The program is designed to acknowledge exemplary attitudes and outstanding performance in the sales profession, recognizing employees who demonstrate exceptional commitment and serve as role models within the organization. 2.4.3 Leasing Euroleasing The consolidated MBH Group includes the leading players of the domestic leasing market, namely Euroleasing Ltd. and Euroleasing Ingatlan Ltd. The leasing group has a nationwide network and based on the newly placed, aggregated leasing portfolio, a market share exceeding 25 percent4, making it the number one player in the leasing market. Car Financing Activity In 2025, new car sales increased by less than 5 %, despite continued support from importers and dealers. Used vehicle sales also recorded only modest growth, amid an overall unfavourable trend. One of the most significant developments in the Hungarian new car market in 2025 was the emergence and rapid expansion of new Chinese brands. Developments in vehicle sales did not support growth in the financial leasing market either: the number of new vehicles financed through leasing remained broadly unchanged, while the number of used vehicles financed through leasing declined. As a result, c hanges in leasing market volume were primarily driven by the composition and pricing of leased vehicles, as the main parameters of financing contracts, such as average down payment, showed no material movement. These trends have continued in 2026. In the first six months of the year, the new car market expanded by 11%. As in the previous two years, approximately one third of vehicles sold domestically during this period were financed through leasing arrangements. Growth in the used car market was considerably more subdued, at around 5%. We expect the gradual recovery in vehicle sales to contribute to growth in the leasing market in 2026. The expansion of Chinese brands in the car market is also continuing, with their share of domestic sales already reaching around 10 %. Due in particular to this segment, average sales prices and, consequently, financed amounts are stagnating or declining slightly. Euroleasing Ltd.’s successful operations are supported by an extensive set of partnership agreements concluded with importers and major dealer networks, which has continued to expand in recent years. Asset Financing Activity The leasing group continues to hold a leading position in the asset -based financing market, having achieved an outstanding market share in its most significant segments — namely agricultural machinery and heavy commercial vehicles. In 2024, the group was able to significantly expand its share 4 Source: Hungarian Leasing Association

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 28 in both segments compared to the previous year and successfully maintained this position in 2025 and expects similar results in 1H 2026. The increase in market share and the achievement of a market-leading position was driven by excellent cooperation with the largest agricultural machinery distributors, a limit -based servicing approach for returning clients, and efficient cross -selling within the banking group , and fast, innovative product development The decline in investment appetite also influenced the asset financing market. Nevertheless, government economic stimulus measures, interest -subsidized refinancing programs, and the sales‑support solutions provided by manufacturers and distributors largely offset these effects. Euroleasing remains the most significant participant in the leasing market in the distribution of subsidized-fund transactions. Changes in the Economic Environment Affecting the Leasing Group The Group devotes considerable attention to monitoring client portfolios to reduce potential losses. Diversification of the financing portfolio plays an essential role in mitigating negative external impacts. The conscious development of this diversification is a key pillar of the company’s strategy. Responding to changing customer preferences, significant resources are allocated to further improving service quality and diversifying business acquisition channels, with a strong emphasis on reaching customers in the digital space and developing digital services. 2.4.4 Investment services and Treasury activities Treasury Trading In 2Q 2026, the division made good use of the market conditions that arose in the foreign exchange market, while keeping its risk exposure at a low level. The Treasury Trading area effectively managed short -term interest rate positions arising from counterparty positions. The Bank was an active participant in the bond market, with a significant share in the auctions of the ÁKK (Government Debt Management Agency) as primary dealer. ALM & Liquidity service In terms of operational liquidity management, the business unit continuously adapted to the changing monetary environment and fully executed the transactions necessary for the smooth functioning of the bank's payment flows. Treasury Sales Corporate treasury activity in 2Q was primarily driven by the forint’s appreciation following the elections and a significant decline in volatility. Importing companies increased their exchange rate risk hedging, while exporting companies held back on entering into hedging transactions in the hope of a more favorable exchange rate. Low volatility has a direct impact on option pricing, making it more difficult to structure attractive deals.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 29 Corporate Finance During 2Q 2026, MBH Bank announced 3 subscription periods for the placement of senior bonds, mainly sold to retail customers, during which a total of HUF 9.3 bn and EUR 3.0 bonds were placed. In addition to the foregoing, subordinated zero -coupon bonds were also issued for remuneration purposes with a nominal value of HUF 12.8 bn. These issues were made under the Bank’s HUF 500 bn domestic issuance programme. Investment services - sales In 2Q 2026, secondary market sales of retail government securities increased, thanks to a fall in yields on FIXMÁP bonds, which can be subscribed to through the Treasury. Trading in FIX securities was significantly over-weighted compared with Bonus and other variable-rate securities, owing to interest rate cuts (and related communications) and the fall in short-end yields (DKJ). Currency movements in April primarily led to a surge in options trading, particularly in option spreads, but traditional futures contracts also continue to be traded in high volumes. MBH Befektetési Bank’s analysis continues to view the BSE as undervalued; following a slight decline in 2Q of the year, the market has corrected itself, thus continuing to offer investors good value. Business Development, Support and Channel Management In 2Q 2026, MBH Group continued to operate one of the largest securities distribution networks in the Hungarian market, which it is constantly developing in line with its objectives. In accordance with its long -term investment services strategy, several major projects and tasks have been implemented at the Banking Group: • In 2Q 2026, MBH Bank issued three HUF-denominated and three EUR-denominated bond series, in a total amount of HUF 9.27 billion and EUR 2.98 million, respectively. • In 2Q 2026, the MBH Group continued to distribute mortgage bonds issued by MBH Jelzálogbank Nyrt. to retail customers. During the quarter, the MBH Group issued a HUF-denominated variable rate mortgage bond for retail customers following the expiry of the previous fixed rate scheme – already available within the framework of the new 2026–2027 Mortgage Bond and Bond Issuance Programme. A total of HUF 323.16 million worth of mortgage bonds were subscribed during the quarter. • The online NYESZ account opening service has been launched on the MBH Netbroker and MBH Mobilbroker platforms, enabling customers to open a Pension Savings Account through a fully digital process without having to visit a branch in person. • In 2Q 2026, MBH Befektetési Bank promoted its Featured Investment Funds by announcing a promotion offering a discount on purchase fees. • During the promotional period, eligible retail clients are entitled to a refund of up to HUF 40,000 per client from the transaction (purchase) fees actually paid in connection with the purchase of Featured Investment Funds, provided that the specified conditions are met. • In May, MBH Befektetési Bank commissioned a market research study to explore the financial attitudes, savings and investment habits, financial awareness and knowledge of the general public with savings. The results of the research can provide MBH Befekteté si Bank with sound

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 30 information to gain a deeper understanding of retail customers’ needs, attitudes and expectations, thereby supporting product development and the design of targeted communication activities. • Educational videos have been produced for users to make it easier to open a securities account via the MBH Mobilbroker app. The videos are available on the MBH Befektetési Bank website. • In 2025, MBH Fund Manager successfully implemented its comprehensive product and process optimisation strategy, but its priorities are to continue optimising its product range, proactively responding to investor needs by creating new investment products and structures, and working closely with its peers. Another priority is to manage existing investment f unds and portfolios as efficiently and effectively as possible. During the second quarter, MBH Fund Management completed the merger of its ESG -focused equity funds, thereby enhancing portfolio management efficiency and enabling the realization of economies of scale. • As of 30 June 2026, MBH Fund Management oversaw investments with a total net asset value of HUF 2,165.6 billion, adjusted for duplications, representing a net market share of 8.2%. At the end of the quarter, MBH Fund Management ranked fourth among pension fund asset managers in Hungary in terms of assets under management. Custody Sales Institutional custody portfolio exceeded the level recorded in the same period of the previous year in 2Q 2026. Revenue figures also developed favo urably: revenues realized during the reporting period significantly exceeded the results achieved in 2Q 2025. As a result, MBH Bank ing Group currently provides custody services for 170 portfolios, covering all key segments of the institutional market. 2.5 Updates on ESG MBH Bank Presents the “Journey to a Sustainable Future” Awards for the First Time For the first time, MBH Bank presented its "Journey to a Sustainable Future” Award (Fenntartható Jövő Útja), recognizing corporate and agri -food sector clients that have implemented exemplary sustainability initiatives. This year’s award winners included c ompanies 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 f inancial partner, aims to play an active role alongside its clients in promoting future-proof and responsible business solutions.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 31 MBH Bank Publishes Its Group-Level Sustainability Report 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 Europe an Sustainability Reporting Standards (ESRS) and is fully integrated with the financial reporting framework. The report is based on more mature and enhanced processes and a broader dataset, reflecting the continuous development of the Group’s sustainability governance and data collection practices. Its publication reinforces the MBH Banking Group’s commitment to transparent operations, responsible financial intermediation, and support for the transition to a sustainable economy. MBH Bank Publishes Its Third Sustainability Report Based on the UN Principles for Responsible Banking 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 a nd 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.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 32 2.6 Awards and recognitions Best of BSE Awards Gala • „Largest Public Equity Offering of the Year” – MBH Bank • „Equity Asset Manager of the Year” – MBH Alapkezelő Zrt. 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. 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) Family-Friendly Place Trademark Hungary MBH Bank

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 33 Magyar Brands 2025 Innovative Brands recognition BUPA 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 FocusEconomics Focus Awards – Big Economies 2026 • Hungary Interest Rate – 3rd place FocusEconomics Focus Awards – Big Economies 2026 • Hungary Exchange Rate – 3rd place MPRSZ × Brandfizz Attractive Employers TOP List 2026 Top Meta Job Ad 2026 – 2nd place (recruitment campaign) Top Attractive Employer 2026 recognition

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 34 Privátbankár.hu – Klasszis Asset Management Awards 2026 1st place MBH US Equity Fund (HUF Class) – Best Developed Markets Equity Fund MBH Real Estate Investment Fund – Best Real Estate Fund MBH US Dollar Short Term Bond Fund (HUF Class) – Best Short Term Bond Fund 2nd place MBH Base Domestic Short Term Bond Fund MBH Domestic Long Term Bond Fund MBH Gold Fund of Funds – Class A Future Club Organised by Hungarian Leasing Association and PwC 1st place – Euroleasing (Hidi Kristóf Béla and his team) Active Workplace Certification Silver Rating Fundamenta 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

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 35 Euromoney Awards for Excellence “Best for Consumer Lending” MBH Bank Marketing&Média – TOP50 list TOP 50 PR Leaders category – 10th place István Kutas, Executive Director of Communications and Marketing at MBH Bank

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 36 Declaration MBH Bank Nyrt. (hereinafter Bank) issues the following declaration in relation to its report on the 1H 2026 results (Flash Report): The Bank declares that the Flash Report has been prepared in compliance with the applicable accounting regulations. The Flash Report, prepared according to the best knowledge and information of the experts and decision -making managers of the Bank concerned reflects a true and fair view of the assets and liabilities, financial position and profit and loss of the Bank as securities issuer and the consolidated companies, furthermore the 1H 2026 financial statements give a fair view of the position, development and performance of the Bank, disclosing the risks and the factors of uncertainty. No independent audit report has been prepared for the Flash Report. Budapest, 27th August 2026 MBH Bank Nyrt. Mr Zsolt Barna, dr. Mr Péter Krizsanovich Mr Gergely Gózon Chairman Chief Executive Deputy Chief Executive Officer for Strategy and Finances Managing Director for Strategy, Capital Strategy and Investor Relations

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_______________________________________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 37 3 FINANCIAL FIGURES 3.1 Correction factors 1H 2026 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 i mpact 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. The interest rate cap was introduced by Government Decree No. 782/2021 (24 December) to apply from 01.01.2022 to 30.06.2022 a nd was subsequently 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. Banking tax Extra profit tax Interest rate cap Interest income 513,374.0 6,947.1 520,321.1 Interest expense -305,342.0 -305,342.0 Net interest income 208,032.0 6,947.1 214,979.1 Net income from commissions and fees 99,475.0 -45,792.2 53,682.8 Other operating income 6,167.0 5.9 8,543.0 14,715.9 Results from financial instruments 2,619.0 8,543.0 11,162.0 Dividend income 1,350.0 1,350.0 Share of jointly controlled and associated companies' profit / (loss) 953.0 953.0 Other operating income / (expense), net 1,245.0 5.9 1,250.9 Operating expenses -308,389.0 45,792.2 22,881.4 57,860.2 -181,855.2 Impairments and provisions for losses -17,043.0 8,289.0 -8,754.0 Profit / (Loss) before taxation -11,758.0 0.0 22,887.2 57,860.2 23,779.1 92,768.5 Income tax expense / (income) -10,779.0 0.0 -2,059.8 -5,207.4 0.0 -18,046.3 PROFIT/ (LOSS) FOR THE YEAR -22,537.0 0.0 20,827.4 52,652.8 23,779.1 74,722.2 Other comprehensive income 13,373.0 0.0 13,373.0 TOTAL COMPREHENSIVE INCOME FOR THE YEAR -9,164.0 0.0 20,827.4 52,652.8 23,779.1 88,095.2 P&L (in HUF million) 1H 2026 Accounting Report Structure corrections Business correction Adjusted PAT

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_______________________________________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 38 Intangibles, property and equipment and other assets reclassification Total Assets 12,926,353 0 12,926,353 Cash reserves 83,698 83,698 Loans and advances to banks 1,182,374 1,182,374 Trading portfolio 230,131 230,131 Securities 4,628,576 4,628,576 Loans and advances to customers 6,113,407 6,113,407 Other assets 193,842 0 193,842 Investment in associates and other investments 149,714 149,714 Intangibles, property and equipment 344,611 0 344,611 Total liabilities and equity 12,926,353 0 12,926,353 Total liabilities 11,689,557 0 11,689,557 Amounts due to other banks 2,083,922 2,083,922 Deposits and current accounts 7,751,525 7,751,525 Derivate financial liabilities 247,546 247,546 Other liabilities and provisions 234,926 234,926 Issued debt securities 1,371,638 1,371,638 Shareholders' Equity 1,236,796 0 1,236,796 Share capital 322,530 322,530 Other equity items 914,267 914,267 in HUF million 2Q 2026 Report Structure corrections Adjusted BS structure Assets

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 39 3.2 Consolidated, non-audited financial statements of the MB H Group according to IFRS 3.2.1 Income statement in HUF million 1H 2025 1H 2026 Interest and similar to interest income 509,268 513,374 Interest and similar to interest expense (273,243) (305,342) Net interest income 236,025 208,032 Net income from commissions and fees 97,336 99,475 Results from financial instruments (14,181) 2,619 Other operating income / (expense), net (272) 2,198 (Impairment) / Reversal on financial and non-financial instruments 5,388 (17,043) Dividend income 1,591 1,350 Operating expense (257,724) (308,389) Profit before taxation 68,163 (11,758) Income tax income / (expense) (14,637) (10,779) PROFIT FOR THE YEAR 53,526 (22,537) Other comprehensive income (10,389) 13,373 TOTAL COMPREHENSIVE INCOME 43,137 (9,164)

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 40 3.2.2 Balance sheet in HUF million YE 2025 2Q 2026 Assets Cash and cash equivalents 1,453,064 1,006,190 Financial assets measured at fair value through profit or loss 904,826 1,025,205 Loans and advances to customers mandatorily at fair value through profit or loss 668,910 820,598 Securities held for trading 74,186 71,427 Securities mandatorily at fair value through profit or loss 40,516 33,413 Derivative financial assets 121,214 99,767 Hedging derivative assets 57,215 31,936 Financial assets measured at fair value through other comprehensive income (Securities) 722,604 621,520 Financial assets measured at amortised cost 9,314,102 9,700,926 Loans and advances to banks 144,659 242,634 Loans and advances to customers 4,731,620 Financial leasing receivables 561,189 Repurchase assets 0 1,291 Securities 3,585,668 4,022,624 Other financial assets 137,642 141,568 Investment in associates and other investments 91,188 100,749 Intangible assets, Property and equipment 300,024 344,611 Other assets 47,245 95,216 Total assets 12,890,268 12,926,353 Liabilities Financial liabilities measured at fair value through profit or loss 120,456 205,403 Financial liabilities measured at amortised cost 11,390,606 11,274,697 Amounts due to banks 814,963 613,124 Amounts due to customers 8,343,691 7,751,525 Repurchase liabilities 972,408 1,378,674 Issued debt securities 934,691 1,219,537 Subordinated debt 168,247 152,101 Other financial liabilities 156,606 159,736 Hedging derivative liabilities 30,438 95,216 Provisions 18,127 21,387 Other liabilities 69,460 92,854 Total liabilities 11,629,087 11,689,557 Equity Share capital 322,530 322,530 Other equity items 938,651 914,266 Total equity 1,261,181 1,236,796 Total liabilities and equity 12,890,268 12,926,353 5,446,133

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_______________________________________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 41 3.2.3 Shareholders’ assets in HUF million Share capital Repurchased own shares Share premium Retained earnings Other reserves Accumulated other comprehensive income Non-controlling interests Total equity At 1 January 2025 322,530 (55,440) 348,894 351,159 75,689 11,602 69,559 1,123,993 Profit/ (loss) for the year - - - 154,471 - - 10,638 165,109 Other comprehensive income for the year - - - - - (4,628) (147) (4,775) Total comprehensive income - - - 154,471 - (4,628) 10,491 160,334 Sale of treasury shares - 55,440 - 10,606 - - - 66,046 Repurchased treasury shares - (48,427) - - - - - (48,427) Dividend paid - - - (36,894) - - (3,168) (40,062) General reserve for the year - - - (13,883) 13,883 - - - Effect of changes in ownership of other subsidiaries - - - (129) - 129 (703) (703) Transactions with owners - 7,013 - (40,300) 13,883 129 (3,871) (23,146) At 31 December 2025 322,530 (48,427) 348,894 465,330 89,572 7,103 76,179 1,261,181 At 1 January 2026 322,530 (48,427) 348,894 465,330 89,572 7,103 76,179 1,261,181 Profit/ (loss) for the year - - - (23,434) - - 897 (22,537) Other comprehensive income for the year - - - - - 13,387 (14) 13,373 Total comprehensive income - - - (23,434) - 13,387 883 (9,164) Sale of treasury shares - - - - - - - - Repurchased treasury shares - (841) - - - - - (841) Dividend paid - - - - - - (2,385) (2,385) General reserve for the year - - - - - - - - Effect of changes in ownership of other subsidiaries - - - 6,106 - (1,212) (16,889) (11,995) Equalization reserve - - - - - - - Other increases and decreases from business combinations - - - - - - - Transactions with owners - (841) - 6,106 - (1,212) (19,274) (15,221) At 30 June 2026 322,530 (49,268) 348,894 448,002 89,572 19,278 57,788 1,236,796

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 42 3.3 Individual, non -audited financial statements of MB H Bank Nyrt . according to IFRS 3.3.1 Income statement in HUF million 1H 2025 1H 2026 Interest and similar to interest income 485,047 501,906 Interest and similar to interest expense (291,711) (322,405) Net interest income 193,336 179,501 Net income from commissions and fees 79,216 79,433 Results from financial instruments (13,630) 17,411 Other operating income / (expense), net (1,614) (1,015) (Impairment) / Reversal on financial and non-financial instruments 3,438 (17,039) Dividend income 20,133 37,810 Administrative and other operating expense (227,399) (276,999) Profit before taxation 53,480 19,102 Income tax income / (expense) (10,015) (7,365) PROFIT FOR THE YEAR 43,465 11,737 Other comprehensive income (12,099) 18,859 TOTAL COMPREHENSIVE INCOME 31,366 30,596

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 43 3.3.2 Balance sheet in HUF million YE 2025 2Q 2026 Assets Cash and cash equivalents 1,476,800 1,153,044 Financial assets measured at fair value through profit or loss 878,068 1,048,186 Loans and advances to customers mandatorily at fair value through profit or loss 648,299 798,415 Securities held for trading 40,014 44,939 Securities mandatorily at fair value through profit or loss 64,099 70,291 Derivative financial assets 125,656 134,541 Hedging derivative assets 56,832 31,754 Financial assets measured at fair value through other comprehensive income (Securities) 778,190 666,794 Financial assets measured at amortised cost 8,807,762 9,277,922 Loans and advances to banks 417,978 455,292 Loans and advances to customers 4,813,880 4,675,218 Repurchase assets 38,268 65,412 Securities 3,435,251 3,974,623 Other financial liabilities at AC 102,385 107,377 Investment in associates and other investments 482,695 541,453 Intangible assets, Property and equipment 145,746 149,520 Other assets 32,440 61,719 Total assets 12,658,533 12,930,392 Liabilities Financial liabilities measured at fair value through profit or loss 116,970 211,528 Financial liabilities measured at amortised cost 11,295,703 11,354,272 Amounts due to banks 1,550,833 1,717,814 Amounts due to customers 7,677,258 7,091,866 Repurchase liabilities 1,119,181 1,509,588 Issued debt securities 644,685 751,998 Subordinated debt 175,808 158,637 Other financial liabilities 127,938 124,369 Hedging derivative liabilities 30,438 95,216 Provisions 16,039 19,212 Other liabilities 51,677 72,515 Total liabilities 11,510,827 11,752,743 Equity Share capital 322,530 322,530 Reserves 825,176 855,119 Total equity 1,147,706 1,177,649 Total liabilities and equity 12,658,533 12,930,392

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_______________________________________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 44 3.3.3 Shareholders’ assets *Due to the application of uniform accounting policy principles, the general reserve is separated in the other reserve. in HUF million Share capital Own shares Share premium Retained earnings Other reserve Accumulated other comprehensive income Total equity On 31 December 2024 322,530 (55,440) 348,894 355,501 66,941 (5,133) 1,033,293 Profit/ (loss) for the year - - - 138,833 - - 138,833 Other comprehensive income - - - - - (5,142) (5,142) Total comprehensive income for the year - - - 138,833 - (5,142) 133,691 Transfer of the previous year's profit - - - - - - - Sale of treasury shares - 55,440 - 10,603 - - 66,043 Repurchased treasury shares - (48,427) - - - - (48,427) Dividend paid - - - (36,894) - - (36,894) General reserve for the year - - - (13,882) 13,882 - - At 31 December 2025 322,530 (48,427) 348,894 454,161 80,823 (10,275) 1,147,706 Profit/ (loss) for the year - - - 11,737 - - 11,737 Other comprehensive income for the year - - - - - 18,859 18,859 Total comprehensive income - - - 11,737 - 18,859 30,596 Transfer of the previous year's profit - - - - - - - Sale of treasury shares - (832) - - - - (832) Repurchased treasury shares - - - - - - - Dividend paid - - - - - - - General reserve for the year - - - - - - - Other effects - - - 179 - - 179 At 30 June 2026 322,530 (49,259) 348,894 466,077 80,823 8,584 1,177,649

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 45 3.4 Other information Consolidated companies List and presentation of owners with more than 5% participation (30.06.2026)

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 46 Full-time employees Managers and strategic employees 1 Employee in strategic position (SP), Board of Directors member (IT), Supervisory Board member (FB)

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 47 Other additional information 1. Adjusted P&L (HUF bn) 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 . In 2Q 2026, the scope of the adjustments applied in the Bank's quarterly flash report has changed with the inclusion of the i mpact of the interest rate cap among the adjustments. To ensure comparability, this report also includes data calculated retrospect ively using the new methodology. We expect this to be only a temporary change. 2. Balance sheet (HUF bn) STATEMENT OF BALANCE SHEET (HUF bn) 4Q 4Q 2Q 4Q 1Q 2Q Financial assets 1,516.9 1,249.4 1,294.7 1,621.4 1,230.7 1,266.1 -2.2% 2.9% Trading portfolio 274.6 259.1 264.3 256.0 288.9 230.1 -12.9% -20.3% Securities 3,907.2 4,596.2 4,384.6 4,288.7 4,802.4 4,628.6 5.6% -3.6% Loans and advances to customers (net) 4,901.4 5,811.0 5,915.9 6,115.0 6,133.5 6,113.4 3.3% -0.3% Loan and advances to customers (gross) 5,170.6 6,121.2 6,204.8 6,346.0 6,359.3 6,337.0 2.1% -0.3% Allowance for loan and lease losses -269.2 -310.2 -288.9 -231.0 -225.8 -223.6 -22.6% -0.9% Other assets 506.9 573.4 592.9 609.2 664.4 688.2 16.1% 3.6% TOTAL ASSETS 11,107.0 12,489.2 12,452.3 12,890.3 13,119.8 12,926.4 3.8% -1.5% Interbank liabilities 2,153.8 2,352.5 1,988.8 1,849.8 1,943.5 2,083.9 4.8% 7.2% Customer deposits 6,957.1 8,052.5 7,925.4 8,343.7 8,297.7 7,751.5 -2.2% -6.6% Debt securities issued 629.2 629.3 1,044.0 1,102.9 1,292.7 1,371.6 31.4% 6.1% Other liabilities 343.5 330.9 352.8 332.7 367.1 482.5 36.8% 31.4% Shareholders' equity 1,023.4 1,124.0 1,141.3 1,261.2 1,218.9 1,236.8 8.4% 1.5% TOTAL LIABILITIES AND EQUITY 11,107.0 12,489.2 12,452.3 12,890.3 13,119.8 12,926.4 3.8% -1.5% Off-Balance sheet customer items (gross) 1,601.8 2,000.6 2,379.4 2,474.4 2,649.3 2,655.4 11.6% 0.2% Y/Y Q/Q2023 2024 2025 2026

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 48 3. Adjusted KPI’s (%) In 2Q 2026, the scope of the adjustments applied in the Bank's quarterly flash report has changed with the inclusion of the i mpact of the interest rate cap among the adjustments. To ensure comparability, this report also includes data calculated retrospect ively using the new methodology. We expect this to be only a temporary change. 4. Unadjusted KPI’s (%) 5. Customer deposits split by type (%, HUF bn) (% of customer deposits, calculated based on balance sheet) 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% -1.39% -5.34% -19.44% -20.70% 8.40% 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 Customer deposits split by type (%, HUF bn) YE 2023 YE 2024 1Q 2025 2Q 2025 3Q 2025 YE 2025 1Q 2026 2Q 2026 Sight 58.9% 52.7% 53.7% 54.7% 53.6% 52.1% 50.8% 51.0% Term 41.1% 40.5% 39.6% 38.5% 39.7% 41.7% 43.0% 42.4% Fundamenta 0.0% 6.8% 6.8% 6.7% 6.6% 6.2% 6.2% 6.6% Deposits 6,957.1 8,052.5 8,018.8 7,925.4 7,909.9 8,343.7 8,297.7 7,751.5

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 49 6. Banking book securities portfolio breakdown (%, HUF bn) 7. Retail and corporate portfolio breakdown (HUF bn) 8. Total assets under management and customer savings portfolio (HUF bn) Securities portfolio breakdown (%, HUF bn) YE 2023 YE 2024 2Q 2025 YE 2025 2Q 2026 Currency HUF 87.9% 87.9% 89.3% 89.1% 86.1% FX 12.1% 12.1% 10.7% 10.9% 13.9% Instrument Government 75.0% 77.6% 84.8% 85.4% 85.5% Other 25.0% 22.4% 15.2% 14.6% 14.5% Accounting treatment Securities at AC 74.6% 71.3% 89.2% 83.7% 87.3% Securities at FVTOCI 25.4% 28.7% 10.8% 16.3% 12.7% Interest type Fix 66.5% 68.4% 67.4% 60.1% 59.4% Floating 33.5% 31.6% 32.6% 39.9% 40.6% Securities portfolio (book value) 3,907 4,596 4,385 4,289 4,629 Securities portfolio breakdown (%), 30.06.2026 AC FVTOCI Securities portfolio maturity profile < 1Y 15.4% 1.3% 1Y-3Y 15.1% 7.7% 4Y-5Y 24.2% 4.9% 5Y+ 45.3% 86.0% Securities effective average yield HUF 6.0% 6.2% EUR 4.0% 0.4% USD 5.2% 4.0% JPY 0.5% Retail portfolio (HUF bn) YE 2023 YE 2024 1Q 2025 2Q 2025 3Q 2025 YE 2025 1Q 2026 2Q 2026 Deposit portfolio 2,647.8 3,197.8 3,138.1 3,135.5 3,095.0 3,140.2 3,176.6 2,989.4 Term deposit 453.2 318.8 261.7 247.1 233.6 213.2 228.9 214.5 Sight deposit 2,194.6 2,334.4 2,334.4 2,354.4 2,336.3 2,408.6 2,433.0 2,266.5 Fundamenta deposit - 544.7 542.0 534.0 525.1 518.4 514.6 508.4 Loan portfolio 1,741.1 2,383.9 2,432.8 2,478.9 2,505.8 2,551.4 2,595.9 2,661.6 Mortgage loans 919.2 1,532.7 1,575.9 1,606.3 1,623.5 1,664.3 1,698.8 1,748.9 Housing loan 731.8 1,372.5 1,420.4 1,455.4 1,475.4 1,519.1 1,557.9 1,611.5 of which Fundamenta 0.0 520.3 518.1 520.6 520.4 493.2 483.6 476.0 Home-equity loan 187.4 160.1 155.5 150.8 148.1 145.2 140.9 137.4 Unsecured loans 598.7 639.3 652.2 665.7 675.5 682.8 691.2 705.4 Other retail loans 223.2 212.0 204.7 207.0 206.8 204.3 205.9 207.3 Corporate portfolio (HUF bn) YE 2023 YE 2024 1Q 2025 2Q 2025 3Q 2025 YE 2025 1Q 2026 2Q 2026 Deposit portfolio 3,990.0 4,640.5 4,586.9 4,582.2 4,545.8 5,005.5 4,951.8 4,647.0 Term deposit 2,087.0 2,682.1 2,594.4 2,600.1 2,639.2 3,068.4 3,034.2 2,958.1 Sight deposit 1,903.0 1,958.4 1,992.5 1,982.1 1,906.5 1,937.1 1,917.6 1,688.9 Loan portfolio 2,840.5 3,044.7 3,010.8 3,039.5 3,005.0 3,061.5 3,041.4 2,977.2 Large corporates 1,413.0 1,535.2 1,558.6 1,550.1 1,488.3 1,498.5 1,514.6 1,405.7 SME 846.0 882.2 866.8 897.4 887.7 927.0 927.3 937.2 Agri 545.1 578.4 537.0 544.2 583.2 593.8 545.2 577.6 Other (Church, Municipal clients, State 36.5 48.9 48.5 47.7 45.8 42.3 54.4 56.7 Total assets under management and customer savings portfolio (HUF bn) YE 2023 YE 2024 1Q 2025 2Q 2025 3Q 2025 YE 2025 1Q 2026 2Q 2026 Private individual and PB deposit portfolio 1,706.7 2,321.1 2,330.6 2,304.5 2,262.0 2,285.3 2,349.0 2,230.5 Retail savings 2,555.7 3,012.5 2,972.5 3,008.5 3,009.9 3,090.3 3,027.9 2,952.6 Assets under management (Alapkezelő) 1,084.6 1,135.9 1,129.2 1,142.5 1,184.4 1,164.5 958.9 977.7 Assets under management (Alapkezelő) 1,852.2 2,232.0 2,263.0 2,314.5 2,363.7 2,345.2 2,130.5 2,165.6 Own investment funds 767.6 1,096.1 1,133.8 1,172.0 1,179.3 1,180.7 1,171.6 1,187.9 Total assets under management and customer savings portfolio5,347.1 6,469.6 6,432.4 6,455.5 6,456.2 6,540.1 6,335.8 6,160.8

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 50 9. Asset management (HUF tn, %) 10. Retail and Private Banking investments (HUF tn, %) 11. Total RWA breakdown (HUF bn) Asset Management (%) 30.06.2026 Asset under Management breakdown (%) Debt 40% Mixed 21% Total return 26% Equity 11% Property 2% Asset under Management (HUF tn) 2.2 Retail and Private Banking investments 30.06.2026 Asset under Management breakdown (%) Sight and term deposits 43% Government securities 12% Own units 34% Other 11% Asset under Management (HUF tn) 5.2 Total RWA (HUF bn) YE 2022 YE 2023 YE 2024 1Q 2025 2Q 2025 3Q 2025 YE 2025 1Q 2026 2Q 2026 Credit risk RWA 3,280.9 3,584.3 4,138.6 4,220.9 4,343.2 4,254.0 4,453.0 4,737.5 4,745.0 Oprisk RWA 838.9 1,130.0 1,367.5 842.7 842.7 842.7 923.5 923.5 928.9 Market risk RWA 12.9 15.1 18.0 10.9 19.9 16.9 16.0 22.7 11.7

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_______________________________________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 51 4 ANNEXES 4.1 Financial indicators 4.1.1 Adjusted KPIs on profit&loss KPI Short description Annualised adjusted PAT (HUF bln) 365 Average equities (HUF bln) 181 Annualised adjusted PAT (HUF bln) 365 Average minimum capital (HUF bln) 181 Annualised adjusted PAT (HUF bln) 365 Average Total assets (HUF bln) 181 Annualised adjusted Gross Operating Income (HUF bln) 365 Average Total assets (HUF bln) 181 Annualised adjusted net interest + net fee (HUF bln) ( 214,979 + 53,683 ) 365 Average Total assets (HUF bln) 181 Annualised adjusted Net Interest Income (HUF bln) 365 Average Total assets (HUF bln) 181 Annualised adjusted Net Fee Income (HUF bln) 365 Average Total assets (HUF bln) 181 Annualised adjusted General Admin. Expenses (HUF bln) 365 Average Total assets (HUF bln) 181 Adjusted General Admin. Expenses (HUF bln) Adjusted Gross Operating Income (HUF bln) Annualised adjusted General Admin. Expenses (HUF bln) 365 Average gross loans and deposits (HUF bln) 181 Annualised adjusted provision for losses on loans (HUF bln) 365 Average gross loans (HUF bln) 181 Annualised adjusted Gross Operating Income (HUF bln) 365 Average Total RWA (HUF bln) 181 Annualised adjusted PAT (HUF bln) 365 Average number of shares (bln pcs) 181 851,779 ROAA Adjusted rate on average total assets 74,722 * = 1.16%13,014,073 ROMC Adjusted rate on minimum capital 74,722 * = 17.69% Formulation Current cumulated figures ROAE Adjusted rate on average equities 74,722 * = 12.21%1,233,919 13,014,073 CIM Adjusted core income margin * = 4.16%13,014,073 TRM Adjusted total revenue margin 283,378 * = 4.39% 13,014,073 NFM Adjusted net fee margin 53,683 * = 0.83%13,014,073 NIM Adjusted net interest income margin 214,979 * = 3.33% -0.25% 13,014,073 C/I Adjusted cost-income ratio = 64.17% C/A Adjusted cost to total assets 181,855 * = 2.82% 181,855 283,378 2.53%14,523,043C/CV Adjusted cost to avg. gross loans and deposits 181,855 * = 323EPS Adjusted earnings per share 74,722 = 467.2 6,350,413 GOI/RWA Adjusted RWA efficiency 283,378 * = 10.18%5,611,392 Risk% Adjusted risk cost rate -7,983 * =

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_______________________________________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 52 4.1.2 KPIs on profit&loss as in financial statement (unadjusted) KPI Short description Annualised PAT (HUF bln) 365 Average equities (HUF bln) 181 Annualised PAT (HUF bln) 365 Average minimum capital (HUF bln) 181 Annualised PAT (HUF bln) 365 Average Total assets (HUF bln) 181 Annualised Gross Operating Income (HUF bln) 365 Average Total assets (HUF bln) 181 Annualised net interest + net fee (HUF bln) ( 208,032 + 99,475 ) 365 Average Total assets (HUF bln) 181 Annualised Net Interest Income (HUF bln) 365 Average Total assets (HUF bln) 181 Annualised Net Fee Income (HUF bln) 365 Average Total assets (HUF bln) 181 Annualised General Admin. Expenses (HUF bln) 365 Average Total assets (HUF bln) 181 General Admin. Expenses (HUF bln) Gross Operating Income (HUF bln) Annualised provision for losses on loans (HUF bln) 365 Average gross loans (HUF bln) 181 Annualised Gross Operating Income (HUF bln) 365 Average Total RWA (HUF bln) 181 Annualised PAT (HUF bln) 365 Average number of shares (bln pcs) 181 Net income available to ordinary shareholders (HUF bln) Average number of ordinary shares outstanding (bln pcs) C/I Cost-income ratio C/A Cost to total assets Rate on average total assets Formulation TRM Total revenue margin ROAE Rate on average equities ROMC Rate on minimum capital ROAA GOI/RWA RWA efficiency Risk% Risk cost rate -22,537 * = 313,674 * = 208,032 * = -7,983 * = NFM Net fee margin NIM Net interest income margin CIM Core income margin -5.34%851,779 Current cumulated figures -22,537 * = -3.68%1,233,919 4.86%13,014,073 -22,537 * = -0.35%13,014,073 3.22%13,014,073 * = 4.76%13,014,073 308,389 * = 4.78%13,014,073 99,475 * = 1.54%13,014,073 = 98.32%308,389 313,674 313,674 * = 11.27%5,611,392 -22,537 323 0.25%6,350,413 = EPS (2) Accounting net income per outstanding share, IFRS -23,434 = n/a306 n/a*EPS (1) Earnings per share, IFRS

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_______________________________________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 53 4.1.3 Volume KPIs KPI Short description Provision for customer loans (HUF bln) Total Assets (HUF bln) Securities (HUF bln) Total Assets (HUF bln) Regulatory capital (HUF bln) Total RWA (HUF bln) Total RWA (HUF bln) Total Assets (HUF bln) Provision for customer loans (HUF bln) Loans past due for more than 90 days (HUF bln) Non-performing customer loans (HUF bln) Gross customer loans (HUF bln) Provision for non-performing customer loans (HUF bln) Non-performing customer loans (HUF bln) Provision for customer loans (HUF bln) Non-performing customer loans (HUF bln) Provision for customer loans (HUF bln) Gross customer loans (HUF bln) Formulation Current cumulated figures Provision/ Total Assets Provision to Total Assets 223,641 = 1.73%12,926,353 5,685,658 Securities rate Securities to Total assets 4,700,020 = 36.36%12,926,353 CAR Capital adequacy ratio 1,189,891 = 20.93% RWA/ Total Assets Risk weighted assets to Total assets ratio 5,685,658 = 43.99%12,926,353 6,337,048 DPD coverage Rate of loans past due for more than 90 days covered by provision 223,641 = 191.35%116,876 NPL rate Rate of non-performing loans 229,672 = 3.62% 229,672 Direct NPL coverage Rate of non-performing loans covered directly by provision 126,726 = 55.18%229,672 NPL coverage Rate of non-performing loans covered by provision 223,641 = 97.37% 6,337,048Total coverage Rate of loans covered directly by provision 223,641 = 3.53%

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 54 4.2 Additional information to the 1H 2026 report • MBH Nyrt's information on its 1H 2026 performance is based on data contained in the consolidated balance sheet and profit and loss statement prepared in accordance with the International Financial Reporting Standards (IFRS), as adopted by the EU. The analysis of the Bank's activity was based on audited data as at 31 December 2024, audited data as at 31 December 2025 and unaudited data as at 30 June 2026. • MBH Public Limited Company, according to the Act LIX of 2006, fully accounted the amount defined as a special tax on financial institutions for the year 2026 – as required by IFRS – in the first quarter of the year, as the amount determined by this law is not disputed and must be paid by the Bank till the end of 2026. • The summary rows of the tables in the report do not necessarily sum to the subdivision rows, due to the application of the rounding formula. • Methodology: The data and information contained in the stock exchange report are based on the data and information of MBH Bank Nyrt. The report is based on “adjusted” results showing the profitability of the underlying operations, which can be derived from the accounti ng statements through reclassifications and adjustments. 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. The adjusting items applied are as follows: • reclassification of transaction tax • elimination of extra profit tax and banking tax • elimination of the effect of interest rate cap The interest rate cap was introduced by Government Decree No. 782/2021 (24 December) to apply from 01.01.2022 to 30.06.2022 and was subsequently extended on several occasions. Government Decree No. 84/2026 (17 April) repealed the expiry date for the mandat ory 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.

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_________________ REPORT ON THE 1H 2026 RESULTS OF MBH BANK Company name: MBH Bank Nyrt. E-mail address: investorrelations@mbhbank.hu Address: 1056 Budapest, Váci u. 38. Investors’ contact person: Gergely Gózon Sector: Other monetary activity Reporting period: 01.04.2026-30.06.2026 55 4.3 Abbreviations MBH, MBH Bank, MBH Group MBH Group HNB, NBH, MNB National Bank of Hungary (the central bank of Hungary) y/y Year on year p/p Period on period bp Basis point CAGR Compounded Annual Growth Rate (Y), YTD Year to date data PAT Profit after tax PBT Profit before tax GOI Gross Operating Income GAE General Administrative Expenses OCI Other comprenesive income TOCI Total other comprenesive income FX FX result FV Revaluation result IRS Interest rate swap TA, A Total assets RWA Risk weighted assets Secured loans Home Loans + Free-to-Use Mortgages FVTOCI Fair value through OCI FVTPL Fair value through P&L FTE Full time equivalent NPL Non performing loans NPE Non performing exposures DPD90+ Days past due over 90 days POCI Purchased or Originated Credit Impaired Asset ROE, ROAE Return on average equity ROMC Return on minimum capital ROA, ROAA Return on average assets C/I, CIR Cost-to-income ratio TRM Total revenue margin NIM Net interest margin NFM Net fee margin CIM Core Income 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 ÁKK Price of government bond reference yields determined daily by the National Debt Management Center (ÁKK) GDMA Goverment Debt Management Agency NHP FGS, Funding for Growth Scheme KSH Hungarian Central Statistical Office ESG Environmental, Social, Governance

Interim report