Q3 2020 Business Update amid Covid-19

Credit risk - Further details on selected exposures Snapshot: real estate* RRE -Non-profit housing associations RRE Other RRE for rent & sale RRE Development projects Mixed portfolio 19% 19% Snapshot: consumer loans Czechia Austria Savings banks Austria EBOe* 3% 8% 24% Slovakia CRE - Office Croatia 12% CRE - Retail Romania 6% CRE - Other 12% EUR 35.9bn Sep 20 Hungary Serbia EUR 10.2bn 6% Sep 20 14% 19% 12% 26% 16% 4% . • • . • After the first wave of lockdowns footfall & recoveries in CRE - Retail recovered very fast, hence a second wave expected to have short-term effects only. So far no payment deferrals applied for due to second wave of Covid-19 Benign outlook for residential portfolio (with non-profit-housing associations AT making up 2/3 of the portfolio) Strong focus (more than 80%) on income producing projects Low risk profile: LTVS ~60%, NPE ratio 1.2% (Q2: 1.3%) Exposure focused on capitals and regional centres in CEE markets showing a positive demographic development • • Consumer loan exposure represents 13% of the total retail portfolio exposure of Erste Group 30+DPD delinquency rate at 1.13%, and 90+ DPD delinquency rate at 0.47%, both better than in June and a year ago - partially also supported by the moratoria First experience with post moratoria repayments show no material deterioration Moderate deterioration expected, to be handled by strengthened collection capacities and early preparations (pre-delinquency communication before end of moratoria, collection processes optimization). *) Business view distribution before risk transfer, includes exposure classified in various NACE categories. Mixed portfolio includes both residential and commercial assets whose rating is based on financial standing of client rather than asset type or value. ERSTES Group Page 14

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