Investor Presentaiton

Operating trends: net result - Net profit increases more than twofold in 2021 Group 146 533 2 48 AT/EBO e 87 80 18 AT/SB 22 15 35 43 116 65 151 120 AT/OA CZ • • • -19 RO 78 41 34 SK 88 53 • 29 35 36 33 56 HU 10 34 HR 13 -6 RS -59 Other .10 -3 40 in EUR m Q4 20 Q3 21 Q4 21 Yoy profitability up on lower risk costs and improved operating performance Minor qoq decline attributable to higher risk costs and increased operating costs (employee share programme) Year-on-year segment trends: . AT/EBOe: better operating performance and lower risk costs AT/OA: lower risk costs and better other result CZ: lower risk costs and better operating result RO: significantly improved other result Other: improvement due to deferred tax asset write-up Quarter-on-quarter segment trends: • AT/OA: lower risk costs and negative one-off in Q3 21 • RO: significantly higher risk costs SK: previous quarter benefitted from risk cost release • Return on equity at 10.1%, following 13.7% in Q3 21, and 2.3% in Q4 20 • Return on tangible equity at 11.0%, following 15.0% in Q3 21, and 2.5% in Q4 20 ERSTEŚ Group Page 27

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