OTP Banka Slovensko, a.s.

OTP Banka Slovensko, a.s. Separate Financial Statements prepared in accordance with International Accounting Standard IAS 34 Interim financial reporting

Contents Page Separate Financial Statements: Separate Statement of Financial Position 1 Separate Statement of Comprehensive Income 2 3 Separate Statement of Changes in Equity 4 Separate Statement of Cash Flows 5 Notes to the Separate Financial Statements 6 49

The accompanying notes on pages 6 to 49 are an integral part of these separate financial statements. 1

Separate Statement of Comprehensive Income for the period ended 30 September 2014 Note Period Ended Period Ended 30 Sept 2013 Interest income 48 359 46 575 Interest expense (13 778) (16 285) Net interest income 23 34 581 30 290 Provisions for impairment losses on loans and off-balance sheet, net 24 (9 527) (5 732) Net interest income after provisions for impairment losses on loans and off-balance sheet 25 054 24 558 Fee and commission income 9 448 9 867 Fee and commission expense (2 165) (2 023) Net fee and commission income 25 7 283 7 844 Gains/(losses) on financial transactions, net 26 (312) (1 899) Gains/(losses) on financial assets, net 27 - - General administrative expenses 28 (31 663) (30 162) Other operating revenues/(expenses), net 29 19 131 Profit/(loss) before income tax 381 472 Income tax 19 (81) (22) Net profit/(loss) after tax 300 450 Items of other comprehensive income that will be reclassified subsequently to profit or loss, net of tax Revaluation of available-for-sale financial assets 30 (5) (372) Total comprehensive income for the reporting period 295 78 Profit/(loss) per share in face value of EUR 3.98 (in EUR) 40 0.015 0.023 Profit/(loss) per share in face value of EUR 39 832.70 (in EUR) 40 152.10 228.31 Profit/(loss) per share in face value of EUR 1.00 (in EUR) 40 0.004 0.006 The accompanying notes on pages 6 to 49 are an integral part of these separate financial statements. 2

Separate Statement of Comprehensive Income for the period ended 30 September 2014 Note 3Q 2014 3Q 2013 Interest income 16 056 15 325 Interest expense (4 378) (5 165) Net interest income 23 11 678 10 160 Provisions for impairment losses on loans and off-balance sheet, net 24 (3 503) (2 335) Net interest income after provisions for impairment losses on loans and off-balance sheet 8 175 7 825 Fee and commission income 3 313 3 391 Fee and commission expense (730) (777) Net fee and commission income 25 2 583 2 614 Gains/(losses) on financial transactions, net 26 (190) (395) Gains/(losses) on financial assets, net 27 - - General administrative expenses 28 (10 373) (9 925) Other operating revenues/(expenses), net 29 (9) 2 Profit/(loss) before income tax 186 121 Income tax 19 (37) (16) Net profit/(loss) after tax 149 105 Items of other comprehensive income that will be reclassified subsequently to profit or loss, net of tax Revaluation of available-for-sale financial assets 30 (559) 6 Total comprehensive income for the reporting period (410) 111 Profit/(loss) per share in face value of EUR 3.98 (in EUR) 40 0.007 0.006 Profit/(loss) per share in face value of EUR 39 832.70 (in EUR) 40 75.48 53.37 Profit/(loss) per share in face value of EUR 1.00 (in EUR) 40 0.002 0.002 The accompanying notes on pages 6 to 49 are an integral part of these separate financial statements. 3

Separate Statement of Changes in Equity as at 30 September 2014 Share Capital Reserve Funds Retained Earnings Revaluation of Availablefor-Sale Financial Assets Profit/ (Loss) for the reporting period Total Equity as at 1 Jan 2013 78 508 4 926 13 379 877-97 690 Share-based payments - 246 - - - 246 Total comprehensive income - - - (355) 1 014 659 Equity as at 31 Dec 2013 78 508 5 172 13 379 522 1 014 98 595 Share Capital Reserve Funds Retained Earnings Revaluation of Availablefor-Sale Financial Assets Profit/ (Loss) for the reporting period Total Equity as at 1 Jan 2013 78 508 4 926 13 379 877-97 690 Share-based payments - 220 - - - 220 Total comprehensive income - - - (372) 450 78 Equity as at 30 Sept 2013 78 508 5 146 13 379 505 450 97 988 Share Capital Reserve Funds Retained Earnings Revaluation of Availablefor-Sale Financial Assets Profit/ (Loss) for the reporting period Total Equity as at 1 Jan 2014 78 508 5 172 14 393 522-98 595 Transfers - 101 (101) - - - Share-based payments - 208 - - - 208 Total comprehensive income - - - (5) 300 295 Equity as at 78 508 5 481 14 292 517 300 99 098 The accompanying notes on pages 6 to 49 are an integral part of these separate financial statements. 4

Separate Statement of Cash Flows for the period ended 30 September 2014 Note Period Ended Period Ended 30 Sept 2013 CASH FLOW FROM OPERATING ACTIVITIES Net profit/(loss) after tax 300 450 Adjustments to reconcile net income/(loss) to net cash provided by operating activities: Provisions for loans and off-balance sheet 9 527 5 732 Provisions for other assets 34 18 Provisions for contingent liabilities 13 (109) Provisions for investments in subsidiaries - - Depreciation and amortisation 2 372 4 246 Net effect of assets sold - - Net effect of income tax 81 22 Share-based payments 208 220 Changes in operating assets and liabilities: Net decrease in statutory minimum reserves stipulated by the National Bank of Slovakia 1 681 3 520 Net decrease in placements with other banks - - Net (increase)/decrease in financial assets at fair value through profit or loss (71) 457 Net decrease/(increase) in available-for-sale financial assets 50 321 (23 302) Net increase in loans and receivables before provisions for possible losses (22 981) (92 876) Net decrease in amounts due to banks and deposits from the National Bank of Slovakia and other banks (40 197) (290) Net increase in amounts due to customers 86 706 63 696 Net decrease/(increase) in other assets before provisions for possible losses 517 (1 079) Net increase in other liabilities 1 850 12 961 Net cash flows from operating activities 90 361 (26 334) CASH FLOW FROM INVESTMENT ACTIVITIES Net cash flows from held-to-maturity investments 119 803 (1 868) Net additions to non-current tangible and intangible assets (933) (2 418) Net cash flows from/(used in) investment activities 118 870 (4 286) CASH FLOW FROM FINANCING ACTIVITIES Net cash flows from securities redeemed (24 449) (4 758) Net increase in subordinated debt 18 011 1 Net cash flows used in financial activities (6 438) (4 757) Net increase in cash and cash equivalents 202 793 (35 377) Cash and cash equivalents at the beginning of the reporting period 34 43 192 83 965 Cash and cash equivalents at the end of the reporting period 34 245 985 48 588 The accompanying notes on pages 6 to 49 are an integral part of these separate financial statements. 5

1. Introduction OTP Banka Slovensko, a.s. (hereinafter the Bank or OTP Slovensko ) was established on 24 February 1992 and incorporated on 27 February 1992. The Bank s seat is at Štúrova 5, 813 54 Bratislava. The Bank s identification number (IČO) is 31318916 and its tax identification number (DIČ) is 2020411074. Members of Statutory and Supervisory Boards as at 30 September 2014 Board of Directors: Ing. Zita Zemková (Chairman) Ing. Rastislav Matejsko Mgr. Peter Leško Dr. Sándor Patyi Supervisory Board: József Németh (Chairman) Ágnes Rudas Gábor Kovács Atanáz Popov Ing. Katarína Mihók Ing. Jozef Brhel Changes in the Bank in 2014: Board of Directors: Supervisory Board: Ing. Rastislav Matejsko, office terminated with effect from 21 May 2014 and reelected to the office with effect from 22 May 2014 Ing. Zita Zemková, office terminated with effect from 15 August 2014 and reelected to the office with effect from 16 August 2014 Péter Bese, resignation with effect from 9 April 2014 JUDr. Gábor Zászlós, resignation with effect from 9 April 2014 József Németh, office terminated with effect from 12 April 2014 and re-elected to the office with effect from 13 April 2014 Shareholders Structure The majority shareholder of the Bank is OTP Bank Nyrt. Hungary ( OTP Bank Nyrt. ) with 99.21% share of the Bank s share capital. OTP Bank Nyrt. is the direct parent company of the Bank. The shareholders structure (with respective shares exceeding 1%) and their share on the share capital are as follows: Name/Business Name Share in Subscribed Share Capital as at Share in Subscribed Share Capital as at 31 Dec 2013 OTP Bank Nyrt. Hungary 99.21% 99.21% Other minority owners 0.79% 0.79% The shareholders shares of voting rights are equal to their shares of the share capital. 6

2. Principal Accounting Policies The separate financial statements of the Bank for the period ended 30 September 2014 have been prepared in accordance with the International Accounting Standard IAS 34 Interim Financial Reporting as adopted by the European Union ( EU ). Accounting principles and accounting methods applied in these financial statements do not differ from those, that have been applied in separate financial statements for the year ended 31 December 2013, unless stipulated otherwise. The separate financial statements of the Bank for the period ended 30 September 2014 should be considered together with the separate financial statements of the Bank for the year ended 31 December 2013, as not all information and disclosures required in the annual financial statements are included. Purpose of Preparation These separate financial statements were prepared in Slovakia so as to comply with the article 17a) of Act on Accounting No. 431/2002 Coll. as amended, under special regulations - Regulation (EC) 1606/2002 of the European Parliament and of the Council on the Application of International Accounting Standards (IFRS). Basis for the Financial Statements Preparation Separate financial statements were prepared under the historical cost basis, except for certain financial instruments, which have been recognised at fair value. The financial statements were prepared under the accrual principle of accounting: transactions and recognised events are recorded in the period to which they are related in time. Separate financial statements were prepared under the assumption that the Bank will continue as a going concern in the foreseeable future. The reporting currency used for disclosure in these separate financial statements is the Euro, which is rounded to thousands of euros, unless stipulated otherwise. The amounts in brackets refer to negative values. 7

3. Fair Value of the Bank s Financial Assets and Liabilities The following tables present an analysis of financial instruments that are measured after their initial recognition at fair value. Financial instruments are classified into three levels/categories based on the level of the fair value determination: 30 September 2014 (EUR 000) Level 1 Level 2 Level 3 TOTAL Assets Financial assets at fair value through profit or loss - 91-91 Derivative financial instruments for trading - 91-91 Available-for-sale financial assets 8 231 - - 8 231 Available-for-sale securities - government bonds - - - - Available-for-sale securities treasury bills of foreign central banks - - - - Available-for-sale securities bonds issued by foreign banks 8 231 - - 8 231 Liabilities Liabilities from derivative transactions - 825-825 31 December 2013 (EUR 000) Level 1 Level 2 Level 3 TOTAL Assets Financial assets at fair value through profit or loss - 20-20 Derivative financial instruments for trading - 20-20 Available-for-sale financial assets 8 450 50 108-58 558 Available-for-sale securities - government bonds 1 138 - - 1 138 Available-for-sale securities treasury bills of foreign central banks - 50 108-50 108 Available-for-sale securities bonds issued by foreign banks 7 312 - - 7 312 Liabilities Liabilities from derivative transactions - 99-99 The following table includes reconciliation between the fair value of selected financial assets and liabilities and their net book value with carrying amount different from their fair value: Fair Value Net Book Value Difference Assets Loans and receivables 1 300 355 1 069 545 230 810 Held-to-maturity financial investments 83 892 74 966 8 926 Liabilities Amounts due to customers 1 216 401 1 211 120 5 281 Liabilities from issued securities 58 701 59 351 (650) Subordinated debt 47 070 47 067 3 In the item Amounts due to customers, the Bank changed the valuation method of Term deposits at fixed interest rates as at 30 September 2014 in order to comply deeper with the Standards Measurement required by IFRS 13. The fair value of deposits at fixed interest rates is estimated by discounting their future cash flows using interest rates of Term deposits provided by the Bank. Till 30 September 2014 interbank interest rates (EURIBOR, LIBOR) were used for discounting deposits within one year, and for deposits over one year, the yield curve of government bonds was used. Fair Value 31 Dec 2013 Net Book Value 31 Dec 2013 Difference 31 Dec 2013 Assets Loans and receivables 1 226 115 1 056 086 170 029 Held-to-maturity financial investments 196 481 194 769 1 712 Liabilities Amounts due to customers 1 134 837 1 124 414 10 423 Liabilities from issued securities 82 425 83 800 (1 375) Subordinated debt 29 056 29 056-8

Supplementary Data to the Financial Statements Separate Financial Statements 4. Cash, Due from Banks and Balances with the National Bank of Slovakia 31 Dec 2013 Cash on hand: In EUR 25 877 24 026 In foreign currency 4 771 2 564 30 648 26 590 Due from banks and balances with NBS: Residual maturity within one year: In EUR 8 362 10 257 In foreign currency 1 001 8 705 9 363 18 962 Total 40 011 45 552 5. Placements with Other Banks, Net of Provisions for Possible Placement Losses 31 Dec 2013 Residual maturity within one year: In EUR 45 002 15 001 In foreign currency 219 303 19 092 Total 264 305 34 093 During the 3Q 2014, the Bank made Reverse REPO transactions with the parent company, OTP Bank Nyrt. As at 30 September 2014, the Bank recognised loans in the amount of EUR 199 826 thousand (31 December 2013: EUR 0) secured by securities from parent company, as at 30 September 2014 in the amount of EUR 210 274 thousand. Revenues from these deals are reported in Statement of Comprehensive Income in the line Interest income. 6. Financial Assets at Fair Value through Profit or Loss 31 Dec 2013 Derivative financial instruments held for trading (Note 22) 91 20 Total financial instruments held for trading 91 20 7. Available-for-sale financial assets 31 Dec 2013 Available-for-sale securities government bonds - 1 138 Available-for-sale securities treasury bills of foreign central banks - 50 108 Available-for-sale securities bonds issued by foreign banks 8 231 7 312 Investments in corporate entities 526 526 Total financial instruments available-for-sale 8 757 59 084 The structure as per interest rates and residual maturities is provided below: 31 Dec 2013 Less than five years, fixed interest rates 8231 8 450 More than five years, fixed interest rates - - Zero-coupon - 50 108 Total 8 231 58 558 9

As at 30 September 2014, the Bank did not recorded pledged securities within financial assets available for sale (31 December 2013: EUR 1 002 thousand). During the 1H 2014 the Bank continuously purchased short-term treasury bonds of a foreign emission bank into its portfolio of financial assets available for sale. Revenues from this trades are reported in Statement of Comprehensive Income in the line Interest income. An analysis of investments in corporate entities as at 30 September 2014 and 31 December 2013 (unless otherwise indicated, the companies are incorporated in Slovakia) is as follows: Company Name Business Activity Share Cost Provision Net OTP Buildings, s.r.o. Real estate 19.00% 6 6 - S.W.I.F.T (Belgium) International clearing 0.005% 6-6 RVS, a.s. Wellness 12.65% 867 347 520 Total 879 353 526 8. Loans and Receivables, Net of Provisions for Possible Losses Loans and Receivables by Type of Product Carrying Amount Before Provisions Specific Provision Portfolio Provision Carrying Amount After Provisions Corporate loans 483 460 31 499 15 351 436 610 Corporate clients 407 409 24 071 2 942 380 396 Overdrafts 62 131 7 428 775 53 928 Mass loans* 9 361-9 188 173 Mortgage loans 251-48 203 Other 4 308-2 398 1 910 Retail loans 653 090 176 19 979 632 935 Mortgage loans 68 419-4 829 63 590 Consumer loans 579 711 176 12 712 566 823 Other 4 960-2 438 2 522 Total 1 136 550 31 675 35 330 1 069 545 31 Dec 2013 Carrying Amount Before Provisions Specific Provision Portfolio Provision Carrying Amount After Provisions Corporate loans 492 845 30 101 14 863 447 881 Corporate clients 421 669 23 459 2 287 395 923 Overdrafts 57 384 6 642 852 49 890 Mass loans* 9 634-9 452 182 Mortgage loans 264-36 228 Other 3 894-2 236 1 658 Retail loans 623 075-14 870 608 205 Mortgage loans 88 157-4 696 83 461 Consumer loans 530 095-7 772 522 323 Other 4 823-2 402 2 421 Total 1 115 920 30 101 29 733 1 056 086 *Mass loans include fast corporate loans and solvent business card product for corporate clients. 10

The Summary of Provisions for Possible Loan Losses 31 Dec 2013 Balance at the beginning of reporting period 59 834 55 016 Provisions for impairment losses on loans, net 9 522 8 468 Loan write-offs and assignments (Note 24) (2 351) (3 649) Foreign exchange differences - (1) Balance at the end of reporting period 67 005 59 834 9. Held-to-Maturity Financial Investments As at 30 September 2014 and 31 December 2013, the Bank recognised the following held-to-maturity investments: 31 Dec 2013 Government bonds 73 306 138 007 Bonds issued by banks 1 660 56 762 Total held-to-maturity securities 74 966 194 769 The following table includes a summary of held-to-maturity securities pledged as a security for the Bank s liabilities (data in the table represent the total face value of pledged securities): 31 Dec 2013 Security for liabilities from financial transactions: Slovak government bonds - 15 000 Bonds issued by banks - - Security for liabilities from financial transactions with the NBS: Slovak government bonds 67 500 40 900 Bonds issued by banks - 55 000 Total pledged securities 67 500 110 900 10. Investments in Subsidiaries As at 30 September 2014 and 31 December 2013, the Bank recognised the following investments in subsidiaries and associates: 31 Dec 2013 Subsidiaries 1 202 1 202 Total gross value 1 202 1 202 Provision for investments in subsidiaries (1 051) (1 051) Total net value 151 151 An analysis of investments in subsidiaries, as at 30 September 2014 and 31 December 2013 (all companies incorporated in Slovakia), is as follows: Company Company Seat Business Activity Ownership Interest/ Voting Power Held Faktoring SK, a.s. v likvidácii Tallerova 10, 811 02 Bratislava Factoring 100.00% 11

In 2010, as part of the strategic decisions made at the OTP Group level, a decision was adopted to terminate OTP Faktoring Slovensko, a.s. s activities. On 1 April 2011, OTP Faktoring Slovensko, a.s. entered into liquidation and also its business name was changed from the original OTP Faktoring Slovensko, a.s. to Faktoring SK, a.s. v likvidácii. As at the issue date of the financial statements, the company s liquidation was not completed. 12

11. Non-Current Tangible and Intangible Assets Movements of Assets Buildings and Land Fittings and Fixtures Motor Vehicles Tangible Assets in Acquisition Intangible Assets Intangible Assets in Acquisition Total Cost at 1 Jan 2013 25 279 29 348 739 419 22 725 897 79 407 Additions (+) 1 300 2 092 372 3 782 2 066 2 557 12 169 Disposals (-) (176) (5 550) (165) (3 778) (51) (2 051) (11 771) Cost at 31 Dec 2013 26 403 25 890 946 423 24 740 1 403 79 805 Accumulated depreciation and provisions at 1 Jan 2013 9 811 25 751 461-16 494-52 517 Depreciation (+) 907 1 286 158-3 184-5 535 Disposal (-) (111) (5 538) (165) - (45) - (5 859) Cancellation of provisions (-) (299) - - - - - (299) Accumulated depreciation and provisions at 31 Dec 2013 10 308 21 499 454-19 633-51 894 Net book value at 31 Dec 2013 16 095 4 391 492 423 5 107 1 403 27 911 Cost at 1 Jan 2014 26 403 25 890 946 423 24 740 1 403 79 805 Additions (+) 615 920-1 204 1 699 980 5 418 Disposals (-) (97) (2 538) (15) (1 535) (9) (1 699) (5 893) Cost at 26 921 24 272 931 92 26 430 684 79 330 Accumulated depreciation and provisions at 1 Jan 2014 10 308 21 499 454-19 633-51 894 Depreciation (+) 739 976 150-1 723-3 588 Disposal (-) (64) (2 538) (12) - (9) - (2 623) Accumulated depreciation and provisions at 10 983 19 937 592-21 347-52 859 Net book value at 15 938 4 335 339 92 5 083 684 26 471 13

Movements in accounts of provisions for non-current tangible and intangible assets: 31 Dec 2013 Balance at the beginning of reporting period - 299 Creation - - Cancellation - (299) Balance at the end of reporting period - - As at 31 December 2013, provisions recorded for plots of land were cancelled. The Bank cancelled the provisions based on the estimated mitigation of the temporary impairment of property supported by the valuation of real estate prepared by a sworn expert during 2013. A summary of insurance of non-current tangible and intangible assets as at 30 September 2014: Anticipated Annual Premium Actual Insurance Costs MTPL insurance 6 4 Motor hull insurance 38 26 Insurance of assets 86 65 Total 130 95 12. Other Assets 31 Dec 2013 Loss receivables from various debtors 2 625 2 618 Loss receivables from securities 6 104 6 104 Operating advances made 188 182 Inventories 246 222 Deferred expenses 638 635 Receivables from various debtors 29 105 Receivables from shortages and damage 132 104 Other receivables from clients 175 1 371 Other receivables 1 287 599 Other assets before provisions 11 424 11 940 Provisions for possible losses from other assets (8 860) (8 825) Total other assets 2 564 3 115 An analysis of movements in provisions for possible losses from other assets is as follows: 31 Dec 2013 Balance at the beginning of reporting period 8 825 8 731 Provisions for impairment losses on other assets, net (Note 29) 34 96 Other assets written-off and assigned (Note 29) 1 (1) Foreign exchange difference - (1) Balance at the end of reporting period 8 860 8 825 14

13. Due to Banks and Deposits from the National Bank of Slovakia and Other Banks 31 Dec 2013 Residual maturity within one year: In EUR 50 703 67 427 In foreign currency 106 1 Residual maturity over one year: In EUR 7 26 Total 50 816 67 454 Amounts due to banks by type of product: 31 Dec 2013 Deposits 179 28 Term accounts of other banks 25 461 40 039 Loans received from other financial institutions 25 156 27 386 Other liabilities to financial institutions 20 1 Total 50 816 67 454 An analysis of received loans by individual types of banks (all loans are denominated in EUR, unless stated otherwise): Type of Loan According to Maturity Contractual Maturity as at 30 Sept 2014 31 Dec 2013 Loans received from issuing banks: Central banks Short-term 1 Oct 2014 25 000 27 000 Loans received from banks: Reconstruction and development banks Long-term Individual 156 386 Total 25 156 27 386 14. Amounts due to Customers Amounts due to customers by type: 31 Dec 2013 Current accounts and other short-term amounts due to customers 391 160 398 561 Term deposits 724 077 664 739 Pass books 16 716 18 056 Municipality accounts 79 140 43 051 Other liabilities 27 7 Total 1 211 120 1 124 414 Amounts due to customers by sector: 31 Dec 2013 Non-financial organisations 218 360 228 374 Individuals 794 703 748 128 Financial institutions 25 822 16 833 Trade licence holders 14 950 15 702 Insurance companies 292 525 Non-profit organisations 19 467 17 616 Non-residents 58 384 54 178 Government sector 79 140 43 051 Not categorised in sectors 2 7 Total 1 211 120 1 124 414 15

Amounts due to customers by residual maturity: 31 Dec 2013 Residual maturity within one year: In EUR 973 418 921 335 In foreign currency 24 435 30 860 Residual maturity over one year: In EUR 213 258 172 219 In foreign currency 9 - Total 1 211 120 1 124 414 15. Liabilities from Issued Securities 31 Dec 2013 Residual maturity within one year: Liabilities from financial bills of exchange 3 912 3 277 Liabilities from mortgage bonds 25 005 25 089 Residual maturity over one year: Liabilities from mortgage bonds 30 434 55 434 Total 59 351 83 800 16

Summary of mortgage bonds as at 30 September 2014 and 31 December 2013: Mortgage Bonds Issued Currency Quantity Face Value per Share in EUR Face Value of Issue Net Book Value Net Book Value 31 Dec 2013 Interest Income (coupon) 3M EURIBOR Frequency of Coupon Payout Issue Date Due Date Mortgage bonds Issue VII EUR 677 33 193.92 22 472 22 474 22 475 + 0.15% p. a. Quarterly 21 Dec 2005 21 Dec 2015 Mortgage bonds 3M EURIBOR Issue XX EUR 2 500 10 000.00 25 000 25 000 25 000 + 2.72% p. a. Quarterly 30 Mar 2010 30 Mar 2015 Mortgage bonds 3M EURIBOR Issue XXIII * EUR 1 000 10 000.00 10 000-25 002 + 2.83% p. a. Quarterly 29 Sep 2010 29 Sep 2014 Mortgage bonds Issue XXIV EUR 7 877 1 000.00 7 877-3 3.33% Annual 23 Nov 2010 23 Nov 2013 Mortgage bonds Issue XXV. EUR 7 962 1 000.00 7 962 7 965 8 043 4.00% Annual 28 Sep 2012 28 Sep 2016 Total 55 439 80 523 * In 1Q 2014 the Bank repurchased 1500 Mortgage bonds, Issue XXIII., in the total face value of EUR 15 000 thousand. The costs of repurchasement in the amount of EUR 113 thousand are recognised in the statement of comprehensive income in the line "Interest expense". 17

16. Other Liabilities 31 Dec 2013 Various creditors 189 1 664 Tax liabilities (except for income tax liabilities) 259 1 723 Provisions for unbilled and other liabilities 549 573 Social fund 61 92 Settlement with employees 1 427 1 314 Settlement with social institutions 375 333 Negative fair value of financial derivatives (Note 22) 825 99 Liabilities from payment transactions 9 467 3 947 Other liabilities 3 202 4 759 Total 16 354 14 504 Summary of changes in the social fund: 31 Dec 2013 Balance at the beginning of reporting period 92 99 Additions during the reporting period 135 170 Drawings during the reporting period (166) (177) Balance at the end of reporting period 61 92 17. Subordinated Debt Type of Loan Curr. Type of Loan by Maturity Start of Contractual Loan Maturity Drawdown Carrying Amount of Loan Interest rate 31 Dec 2013 Subordinated debt: OTP Financing Netherlands B.V. EUR Long-term Mar 2008 Mar 2015 3M EURIBOR + 1.0% p. a. 11 000 11 001 OTP Financing Netherlands B.V. EUR Long-term Apr 2008 Apr 2015 3M EURIBOR + 1.5% p. a. 18 055 18 055 OTP Financing Netherlands B.V. EUR Long-term Sept 2014 Sept 2021 3M EURIBOR + 3.41% p. a. 18 012 - Total (EUR 000) 47 067 29 056 Subordinated debt totalling EUR 47 million represents for the Bank Capital Tier 2 in the amount of EUR 20.9 million pursuant to Regulation of the European Parliament and of the Council No. 575/2013 (Note 33). 18

18. Equity The Bank s equity comprises: 31 Dec 2013 Share capital 78 508 78 508 Reserve funds 5 481 5 172 Retained earnings 14 292 13 379 Revaluation of available-for-sale financial assets 517 522 Gain/(loss) for the reporting period 300 1 014 Total equity 99 098 98 595 Share Capital The Bank s share capital as at 30 September 2014 and 31 December 2013 comprises: Face Amount ISIN Number of Shares Face Value of Shares Repaid and registered in the Commercial Register EUR 3.98 per share SK1110001452 3 000 000 11 940 EUR 3.98 per share SK1110004613 8 503 458 33 843 EUR 39 832.70 per share SK1110003003 570 22 705 EUR 1.00 per share SK1110016559 10 019 496 10 020 Total share capital 78 508 The type, form, nature and tradability of shares as at 30 September 2014 and 31 December 2013 was as follows: Face Amount ISIN Type Form Nature Tradability EUR 3.98 per share SK1110001452 ordinary registered uncertified publicly tradable EUR 3.98 per share SK1110004613 ordinary registered uncertified publicly tradable EUR 39 832.70 per share SK1110003003 ordinary registered uncertified publicly nontradable EUR 1.00 per share SK1110016559 ordinary registered uncertified publicly tradable Reserve Funds As at 30 September 2014, reserve funds in the amount of EUR 5 481 thousand (31 December 2013: EUR 5 172 thousand) comprise the legal reserve fund in the amount of EUR 4 739 thousand (31 December 2013: EUR 4 638 thousand) and other capital reserves in the amount of EUR 742 thousand (31 December 2013: EUR 534 thousand). 19

19. Income Taxes 30 Sept 2013 Current tax expense/(revenue) - - Deferred tax expense/(revenue) 81 22 Total 81 22 The Bank s tax on pre-tax profit differs from the theoretical tax which would arise if the income tax rate was applied as follows: 30 Sept 2013 Pre-tax profit/(loss) 381 472 Theoretical tax at 22% (2013: 23%) 84 108 Non-taxable income (52) (21) Non-deductible expenses 366 855 Provisions for assets and provisions for liabilities, net 53 104 Adjustment of provisions for uncertain utilisation of deferred tax assets (370) (1 024) - Income tax expense/(revenue) for the current reporting period 81 22 Effective tax for the reporting period 21.26% 4.66% 20. Deferred Income Taxes 31 Dec 2013 Deferred tax liability Difference between net book value and net tax value of tangible assets (725) (709) Revaluation reserves on available-for-sale securities (recognised through equity) (146) (148) Total deferred tax liability (871) (857) Deferred tax asset Loans (provisions for loan impairment losses) 3 767 3 235 Provisions for liabilities 283 274 Tax losses that can be carried forward 414 1 389 Total deferred tax asset 4 464 4 898 Adjustment for uncertain utilisation of deferred tax asset (3 892) (4 261) Net deferred tax asset/(liability) (299) (220) 31 Dec 2013 Net deferred tax asset/(liability) opening balance at 1 Jan (220) (249) (Debited)/credited to profit/loss for the reporting period (81) (85) (Debited)/credited to equity 2 114 Net deferred tax asset/(liability) closing balance (299) (220) 20

21. Provisions for Liabilities, Contingent Liabilities and Other Off-Balance Sheet Items Nominal values of the off-balance sheet liabilities are as follows: 31 Dec 2013 Unused loan commitments 33 468 23 568 Other guarantees provided to banks - 761 Other guarantees provided to clients 20 204 19 435 Unused overdrafts and authorised overdraft facilities 16 197 17 223 Total 69 869 60 987 The Bank recognised the following provisions: 31 Dec 2013 Provisions for: Unused loan commitments 127 73 Guarantees 32 81 Litigations and other disputes 2 506 2 498 Retirement payments 91 86 Total 2 756 2 738 An analysis of changes in provisions for guarantees and unused loan commitments is as follows: 31 Dec 2013 Balance at the beginning of reporting period 154 167 Creation of provision 249 319 Release of provision (244) (332) Balance at the end of reporting period 159 154 An analysis of changes in the provision for litigations and other disputes: 31 Dec 2013 Balance at the beginning of reporting period 2 498 2 593 Creation of provision 11 - Release of provision (3) (95) Balance at the end of reporting period 2 506 2 498 An analysis of changes in the provision for retirement payments: 31 Dec 2013 Balance at the beginning of reporting period 86 85 Creation of provision 9 22 Release of provision (4) (21) Balance at the end of reporting period 91 86 21

22. Derivative Financial Instruments Separate Financial Statements The Bank uses derivative financial instruments for trading purposes. The tables below represent the financial derivative instruments at face and fair values as at 30 September 2014 and 31 December 2013: Face Value of Assets Face Value of Liabilities 31 Dec 2013 31 Dec 2013 Currency and interest rate instruments Currency and interest rate swaps 199 082 50 032 199 877 50 159 Total 199 082 50 032 199 877 50 159 Positive Fair Value Negative Fair Value 31 Dec 2013 31 Dec 2013 Currency and interest rate instruments Currency and interest rate swaps 91 20 825 99 Total 91 20 825 99 23. Net Interest Income Period Ended Period Ended 30 Sept 2013 Interest income: Loans and other receivables 40 450 36 233 Placements with other banks 1 024 726 Financial assets for sale 2 121 4 739 Held-to-maturity financial investments 4 764 4 877 Total interest income 48 359 46 575 Interest expense: Due to banks and deposits from the National Bank of Slovakia and other banks and other payables (839) (190) Amounts due to customers (11 199) (13 814) Liabilities from issued securities (1 378) (1 946) Subordinated debt (362) (335) Total interest expense (13 778) (16 285) Net interest income 34 581 30 290 3Q 2014 3Q 2013 Interest income: Loans and other receivables 13 703 12 288 Placements with other banks 824 149 Financial assets for sale 515 1 228 Held-to-maturity financial investments 1 014 1 660 Total interest income 16 056 15 325 Interest expense: Due to banks and deposits from the National Bank of Slovakia and other banks and other payables (252) (32) Amounts due to customers (3 625) (4 455) Liabilities from issued securities (374) (564) Subordinated debt (127) (114) Total interest expense (4 378) (5 165) Net interest income 11 678 10 160 22

24. Provisions for Impairment Losses on Loans and Off-Balance Sheet, Net Period Ended Period Ended 30 Sept 2013 Creation of provisions for loan receivables (19 917) (16 705) Release of provisions for loan receivables 12 746 14 294 Loans written off and assigned (Note 8) (2 351) (3 362) (Creation)/release of provisions for guarantees and unused loan commitments, net (Note 21) (5) 41 Provisions for impairment losses on loans and off-balance sheet, net (9 527) (5 732) 3Q 2014 3Q 2013 Creation of provisions for loan receivables (7 000) (5 135) Release of provisions for loan receivables 5 226 3 566 Loans written off and assigned (Note 8) (1 683) (786) (Creation)/release of provisions for guarantees and unused loan commitments, net (Note 21) (46) 20 Provisions for impairment losses on loans and off-balance sheet, net (3 503) (2 335) 25. Net Fee and Commission Income Period Ended Period Ended 30 Sept 2013 Fee and commission income: Banks 842 827 Public administration 207 682 Individuals 4 326 4 473 Other sectors 4 073 3 885 Total fee and commission income 9 448 9 867 Fee and commission expense: Banks (671) (665) Individuals (11) (19) Other sectors (1 483) (1 339) Total fee and commission expense (2 165) (2 023) Net fee and commission income 7 283 7 844 3Q 2014 3Q 2013 Fee and commission income: Banks 309 294 Public administration 67 235 Individuals 1 608 1 419 Other sectors 1 329 1 443 Total fee and commission income 3 313 3 391 Fee and commission expense: Banks (233) (242) Individuals (4) (3) Other sectors (493) (532) Total fee and commission expense (730) (777) Net fee and commission income 2 583 2 614 23

26. Gains/(Losses) on Financial Transactions, Net Period Ended Period Ended 30 Sept 2013 Gain/(loss) from foreign exchange transactions 533 510 Gain/(loss) from futures and forwards (845) (2 409) Net gains/(losses) on financial operations (312) (1 899) 3Q 2014 3Q 2013 Gain/(loss) from foreign exchange transactions 193 196 Gain/(loss) from futures and forwards (383) (591) Net gains/(losses) on financial operations (190) (395) 27. Gains/(Losses) on Financial Assets, Net As at 30 September 2014 the Bank did not recognised any gains/(losses) on financial assets (30 September 2013: EUR 0). 24

28. General Administrative Expenses Separate Financial Statements Period Ended Period Ended 30 Sept 2013 Personnel expenses Wages and salaries (9 443) (8 959) Social security expenses (3 276) (3 104) Supplementary pension scheme contributions (134) (124) Other social expenses (135) (125) Expenses for provisions (Creation)/release of provisions for retirement payments, net (5) 14 Other administrative expenses Purchased services (4 922) (5 207) Expenses for IT administration and maintenance (1 674) (1 674) Entertainment expenses (1 305) (715) Other purchased supplies (1 145) (1 231) Local and other taxes other than income tax (901) (846) Contribution to Deposits Guarantee Fund (1 058) - Special levy on selected financial institutions (3 889) (3 565) Other expenses (188) (380) Depreciation, amortisation and write-downs of non-current tangible and intangible assets Non-current tangible assets (1 865) (1 749) Non-current intangible assets (1 723) (2 497) General administrative expenses - total (31 663) (30 162) 3Q 2014 3Q 2013 Personnel expenses Wages and salaries (3 055) (2 785) Social security expenses (1 094) (1 008) Supplementary pension scheme contributions (41) (39) Other social expenses (43) (40) Expenses for provisions (Creation)/release of provisions for retirement payments, net - 14 Other administrative expenses Purchased services (1 657) (1 754) Expenses for IT administration and maintenance (608) (564) Entertainment expenses (487) (425) Other purchased supplies (377) (394) Local and other taxes other than income tax (326) (284) Contribution to Deposits Guarantee Fund (99) - Special levy on selected financial institutions (1 326) (1 178) Other expenses (44) (91) Depreciation, amortisation and write-downs of non-current tangible and intangible assets Non-current tangible assets (624) (591) Non-current intangible assets (592) (786) General administrative expenses - total (10 373) (9 925) 25

29. Other Operating Revenues/(Expenses), Net Separate Financial Statements Period Ended Period Ended 30 Sept 2013 Provisions for impairment losses on other assets Creation of provisions for other assets (41) (22) Release of provisions for other assets 6 4 Other assets written-off and assigned (Note 12) 1 - Costs for the creation of provisions (Creation)/release of provisions for litigations and other disputes, net (8) 95 Other revenues Revenues from sale of real estate and other assets 1 - Lease revenues 6 7 Revenues from sale of commemorative coins 2 11 Other operating revenues 52 36 Other operating revenues/(expense), net 19 131 3Q 2014 3Q 2013 Provisions for impairment losses on other assets Creation of provisions for other assets (28) (12) Release of provisions for other assets 1 1 Other assets written-off and assigned 1 - Costs for the creation of provisions (Creation)/release of provisions for litigations and other disputes, net - - Other revenues Revenues from sale of real estate and other assets - - Lease revenues 2 2 Revenues from sale of commemorative coins 1 2 Other operating revenues 14 9 Other operating revenues/(expense), net (9) 2 30. Items of Other Comprehensive Income The items of other comprehensive income will be reclassified to profit or loss as at the derecognition of available-for-sale financial assets. Period Ended Period Ended 30 Sept 2013 Net gain/(loss) on revaluation of available-for-sale financial assets (7) (483) Deferred tax liability/(deferred tax asset) on revaluation reserves on available-for-sale financial assets 2 111 Items of other comprehensive income that will be reclassified subsequently to profit or loss, net of tax (5) (372) 3Q 2014 3Q 2013 Net gain/(loss) on revaluation of available-for-sale financial assets (717) 7 Deferred tax liability/(deferred tax asset) on revaluation reserves on available-for-sale financial assets 158 (1) Items of other comprehensive income that will be reclassified subsequently to profit or loss, net of tax (559) 6 26

31. Segment Reporting The separate statement of comprehensive income and other indicators by segment as at 30 September 2014: Retail Corporate Treasury Not specified Total Interest income 28 009 12 441 7 909-48 359 Interest expense (9 826) (1 373) (2 579) - (13 778) Net interest income 18 183 11 068 5 330-34 581 Provisions for impairment losses on loans and offbalance sheet, net (6 130) (3 397) - - (9 527) Net interest income net of provisions for impairment losses on loans and off-balance sheet 12 053 7 671 5 330-25 054 Fee and commission income 5 503 3 198 12 735 9 448 Fee and commission expense (1 785) (33) (50) (297) (2 165) Net fee and commission income 3 718 3 165 (38) 438 7 283 Gains/(losses) on financial transactions, net - - (312) - (312) Gains/(losses) on financial assets, net - - - - - General administrative expenses - - - (31 663) (31 663) Other operating revenues/(expenses), net 35 5 - (21) 19 Profit/(loss) before income tax 15 806 10 841 4 980 (31 246) 381 Income tax - - - (81) (81) Net profit/(loss) after tax 15 806 10 841 4 980 (31 327) 300 Items of other comprehensive income that will subsequently be reclassified to profit or loss, net of tax Revaluation of available-for-sale financial assets - - (5) - (5) Total comprehensive income for the reporting period 15 806 10 841 4 975 (31 327) 295 Assets by segment 634 073 452 783 355 189 44 816 1 486 861 Liabilities by segment 814 326 341 918 128 044 103 475 1 387 763 27

The separate statement of comprehensive income and other indicators by segment as at 30 September 2013: 30 Sept 2013 Retail Corporate Treasury Not specified Total Interest income 24 069 12 165 10 341-46 575 Interest expense (12 023) (1 791) (2 471) - (16 285) Net interest income 12 046 10 374 7 870-30 290 Provisions for impairment losses on loans and offbalance sheet, net (3 273) (2 459) - - (5 732) Net interest income net of provisions for impairment losses on loans and off-balance sheet 8 773 7 915 7 870-24 558 Fee and commission income 5 270 3 416 8 1 173 9 867 Fee and commission expense (1 663) (48) (59) (253) (2 023) Net fee and commission income 3 607 3 368 (51) 920 7 844 Gains/(losses) on financial transactions, net - - (1 899) - (1 899) Gains/(losses) on financial assets, net - - - - - General administrative expenses - - - (30 162) (30 162) Other operating revenues/(expenses), net 25 1-105 131 Profit/(loss) before income tax 12 405 11 284 5 920 (29 137) 472 Income tax - - - (22) (22) Net profit/(loss) after tax 12 405 11 284 5 920 (29 159) 450 Items of other comprehensive income that will subsequently be reclassified to profit or loss, net of tax Revaluation of available-for-sale financial assets - - (372) - (372) Total comprehensive income for the reporting period 12 405 11 284 5 548 (29 159) 78 Assets by segment 555 866 446 449 276 476 63 426 1 342 217 Liabilities by segment 736 485 352 420 117 905 37 419 1 244 229 28

Foreign Assets and Liabilities The structure of assets and liabilities related to counterparties outside the Slovak Republic: 31 Dec 2013 Assets 301 086 267 294 Of which: Hungary 272 163 214 275 Of which: Other EU countries 22 422 43 307 Liabilities 156 254 173 619 Of which: Hungary 82 425 115 381 Of which: Other EU countries 66 319 52 351 As at 30 September 2014 and 31 December 2013, the Bank s non-current tangible and intangible assets were localised only in the territory of the Slovak Republic. Revenues from Foreign Entities Period Ended Period Ended 30 Sept 2013 Interest income on: Treasury bills of the Hungarian National Bank 1 194 3 612 Bonds issued by foreign Bank (Hungary) 1 267 1 351 Term deposits provided to OTP Bank Nyrt, (Hungary) 185 367 Subordinated bonds issued by OTP Bank Nyrt, (Hungary) 921 92 Government bonds of the Hungarian Republic 2 512 3 282 Reverse REPO transactions with OTP Bank Nyrt, (Hungary) 713-3Q 2014 3Q 2013 Interest income on: Treasury bills of the Hungarian National Bank 191 795 Bonds issued by foreign Bank (Hungary) 241 462 Term deposits provided to OTP Bank Nyrt, (Hungary) 89 69 Subordinated bonds issued by OTP Bank Nyrt, (Hungary) 324 92 Government bonds of the Hungarian Republic 336 1 106 Reverse REPO transactions with OTP Bank Nyrt, (Hungary) 713 - The amount of income from other foreign entities is not significant for the Bank. 29

32. Related Party Transactions In ordinary business, the Bank enters into transactions with related parties made on an arm s length basis. The following tables present an overview of assets and liabilities, and expenses and revenues in relation to the Bank s related parties. Overview of balances in the statement of financial position as at 30 September 2014: OTP Bank Nyrt. Subsidiaries Other Companies OTP Group Transactions with Key Management Personnel of the Bank Transactions with Key Management Personnel of OTP Bank Nyrt. Other Related Parties Total Assets Cash, due from banks and balances with the National Bank of Slovakia 751-365 - - - 1 116 Placements with other banks, net of provisions for possible placement losses 262 784 - - - - - 262 784 Financial assets at fair value through profit or loss 91 - - - - - 91 Available-for-sale financial assets 8 231-526 - - - 8 757 Loans and receivables, net of provisions for possible losses - - 8 692 231 - - 8 923 Held-to-maturity financial investments - - - - - - - Investments in subsidiaries and associates - 151 - - - - 151 Non-current tangible assets 1-4 370 - - - 4 371 Non-current intangible assets 789 - - - - - 789 Other assets 3-228 - - - 231 Total 272 650 151 14 181 231 - - 287 213 Liabilities Due to banks and deposits from the National Bank of Slovakia and other banks 25 461-12 - - - 25 473 Amounts due to customers - 146 2 873 2 832 - - 5 851 Liabilities from issued securities 25 000 - - - - - 25 000 Other liabilities 910-46 - - - 956 Subordinated debt - - 47 067 - - - 47 067 Total 51 371 146 49 998 2 832 - - 104 347 30

Overview of balances in the statement of financial position as at 31 December 2013: 31 Dec 2013 OTP Bank Nyrt. Subsidiaries Other Companies OTP Group Transactions with Key Management Personnel of the Bank Transactions with Key Management Personnel of OTP Bank Nyrt. Other Related Parties Total Assets Cash, due from banks and balances with the National Bank of Slovakia 1 070-415 - - - 1 485 Placements with other banks, net of provisions for possible placement losses 11 840 - - - - - 11 840 Financial assets at fair value through profit or loss 20 - - - - - 20 Available-for-sale financial assets 7 312-526 - - - 7 838 Loans and receivables, net of provisions for possible losses - - 8 445 243-959 9 647 Held-to-maturity financial investments - - 55 102 - - - 55 102 Investments in subsidiaries and associates - 151 - - - - 151 Non-current tangible assets 4-3 631 - - - 3 635 Non-current intangible assets 233 - - - - - 233 Other assets - - 221 - - - 221 Total 20 479 151 68 340 243-959 90 172 Liabilities Due to banks and deposits from the National Bank of Slovakia and other banks 40 039-12 - - - 40 051 Amounts due to customers - 153 1 406 2 731-2 4 292 Liabilities from issued securities 50 002 - - - - - 50 002 Other liabilities 502-62 - - - 564 Subordinated debt - - 29 056 - - - 29 056 Total 90 543 153 30 536 2 731-2 123 965 31

Overview of transactions in the statement of comprehensive income as at 30 September 2014: OTP Bank Nyrt. Subsidiaries Other Companies OTP Group Transactions with Key Management Personnel of the Bank Transactions with Key Management Personnel of OTP Bank Nyrt. Other Related Parties Total Interest income 1 820-1 465 7 - - 3 292 Interest expense (1 790) - (365) (28) - - (2 183) Provisions for impairment losses on loans and offbalance sheet, net - - (17) - - - (17) Fee and commission income 1-7 - - - 8 Fee and commission expense (217) - (148) - - - (365) Gains/(losses) on financial transactions (FX), net (837) - - - - - (837) Gains/(losses) on financial assets, net - - - - - - - Other operating revenues/(expenses), net - - - - - - - General administrative expenses (286) - (1 033) - - - (1 319) Total (1 309) - (91) (21) - - (1 421) Overview of transactions in the statement of comprehensive income as at 30 September 2013: 30 Sept 2013 OTP Bank Nyrt. Subsidiaries Other Companies OTP Group Transactions with Key Management Personnel of the Bank Transactions with Key Management Personnel of OTP Bank Nyrt. Other Related Parties Total Interest income 463-1 724 7-23 2 217 Interest expense (1 119) - (423) (24) (4) - (1 570) Provisions for impairment losses on loans and offbalance sheet, net - - 6 - - - 6 Fee and commission income 1-8 - - - 9 Fee and commission expense (215) - (164) - - - (379) Gains/(losses) on financial transactions (FX), net (2 374) - - - - - (2 374) Gains/(losses) on financial assets, net - - - - - - - Other operating revenues/(expenses), net - - - - - - - General administrative expenses (228) - (1 075) - - - (1 303) Total (3 472) - 76 (17) (4) 23 (3 394) 32

Key Management Personnel Compensation Separate Financial Statements Compensations to members of the Board of Directors and the Supervisory board for the period from 1 January till 30 September 2014 were paid in the amount of EUR 643 thousand (30 September 2013: EUR 570 thousand), which represents short-term employee benefits. 33. Regulatory Capital With effect from 1 January 2014 entered into force Regulation of the European Parliament and of the Council No. 575/2013 on prudential requirements for credit institutions and investment firms that, inter alia, regulates the area of calculation Bank s own funds as well as calculation of the Bank s own funds requirements. In accordance with Regulation of the European Parliament and of the Council No. 575/2013 Bank s own funds consist of Tier 1 capital and Tier 2 capital. The Tier 1 capital consists of: - Common Equity Tier 1 capital: (Share capital, Legal reserve fund and Retained earnings from previous years. The Common Equity Tier 1 capital is reduced by the net carrying amount of intangible assets). - Additional Tier 1 capital at the end of the reporting period the Bank did not record. The Tier 2 capital consists of subordinated debt (Note 17). According to Regulation of the European Parliament and of the Council No. 575/2013 Banks have to at all times satisfy the following own funds requirements: a) a Common Equity Tier 1 capital ratio of 4.5%; b) a Tier 1 capital ratio of 6%; c) a total capital ratio of 8%; plus values of relevant capital buffers. For the Year 2014 the National Bank of Slovakia has determined, in accordance with the Banking Act No. 483/2001 as amended, the capital conservation buffer in the form of Tier 1 capital at the level of 1.50% from 1 January till 30 September 2014 and from 1 October 2014 at the level of 2.50% from total risk exposure. In the reporting period, the ratio of the Bank s total own funds exceeded the minimum required level of 8%. The Bank achieved the Common Equity Tier 1 capital ratio at 10.40%, Tier 1 Capital ratio at 10.40% and total capital ratio at 12.76%. The structure of the Bank s own funds is as follows: 31 Dec 2013 Tier 1 capital 91 772 89 417 Common Equity Tier 1 capital 91 772 89 417 Capital instruments eligible as Common Equity Tier 1 capital 78 508 78 508 Paid up capital instruments 78 508 78 508 Retained earnings 14 292 13 379 Retained earnings from previous years 14 292 13 379 Profit or loss eligible - - Other reserves 4 739 5 172 (-) Intangible assets (5 767) (6 393) (-) Other instruments reducing the value of Common Equity Tier 1 capital - (1 249) Additional Tier 1 capital - - Tier 2 capital 20 860 6 322 Paid up capital instruments and subordinated loans 20 860 5 800 Positive revaluation reserves - 522 (-) Other instruments reducing the value of Tier 2 capital - (76) Total own funds 112 632 95 663 Common Equity Tier 1 capital ratio 10.40% - Tier 1 capital ratio 10.40% 9.93% Total capital ratio (%) 12.76% 10.62% 33