Investor Presentaiton

Erste Group at a Glance Erste Group Footprint branches London New York Hong Kong Germany ČESKÁŠ SPOŘITELNA ERSTEŚ Czech Republik Austria SLOVENSKÁ sporiteľňa Slovakia Customers: 4.7m Employees: 10,171 Branches: 510 ERSTEŚ Bank Key financials 1H 2018 Czech Republic # 1 Slovakia # 1 Customers: 2.2m Employees: 4,250 Branches: 270 Total assets EUR 230bn Net profit EUR 774mn Hungary #3 NPL coverage 72,0% Customers: 0.9m Employees: 3,047 Branches: 115 NPL ratio 3,6% Hungary Romania Croatia Serbia CET 1 ratio* 12,5% Romania # 1 Customers: 3.4m Total capital ratio* 17,3% BCR Ś Loan/deposit ratio 92,3% ERSTEŚ Employees: 7,265 Branches: 508 Bank Leverage ratio 6,4% ERSTEŚ Bank Austria # 1 Customers: 3.7m Employees: 16,283 Branches: 905 Croatia # 3 Customers: 1,2m Employees: 3,452 Branches: 153 Direct presence Indirect presence #possition on the market based on asset size ERSTEŚ Bank Serbia # 10 Customers: 0.4m Employees: 1,069 Branches: 85 Credit rating** * ** Basel 3, fully-loaded S&P/Moody's / Fitch A (positive) / A2 (positive) / A- (stable) 3

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