Investor Presentaiton

Operating trends: operating expenses - Costs increase on higher personnel and administrative spend Group 6.2% 12.3% • • YoY Q4 20 QoQ Q3 21 Q4 21 Yoy increase due to higher personnel costs (employee share programme, bonus accruals); other administrative expenses, depreciation/amortisation stable Qoq development attributable to personnel costs, seasonally higher other administrative expenses Year-on-year segment trends: • 1,097 1,038 1,165 192 -4.2% AT/EBO e 168 9.8% 184 288 2.2% . AT/SB 266 10.4% 294 99 -3.6% AT/OA 87 9.9% 96 173 27.2% CZ 190 15.8% 220 93 2.3% RO 81 18.1% 95 • 73 69 3.6% 9.9% 76 54 HU 58 1056 480 12.7% 3.5% 60 49 17.6% HR 54 7.3% 58 18 RS 12 15 15.5% • 3 38.3% 21 58 Other 50 Not meaningful 61 in EUR m SK 787 CZ: higher personnel expenses due to higher bonus accruals, wage increases and employee share programme; FX effect EUR 8.7m HR: mainly driven by higher staff costs (wage increases) • HU: mainly higher wage costs • AT/OA: lower costs due to London branch closure in Q4 20 Quarter-on-quarter segment trends: RS: mainly driven by higher other administrative expenses (IT, legal and consultancy, marketing) RO: driven by across-the-board higher other administrative expenses (IT, marketing, office space, legal & consultancy) and higher personnel expenses ERSTEŚ Group Page 22

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