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Investor Presentaiton

Key developments (1) - • Hot topic: Ukraine Erste Group has no direct subsidiaries in Russia, Ukraine or Belarus and has only immaterial credit exposure towards those countries. No meaningful additional risk provisions are currently anticipated in this context. • Market exposures (trading book and banking book securities accounted at fair value) are negligible too, resulting in no material economic risk to the bank. • Ongoing analysis of potential second round effects, including: • Screening potential new sanctions risk and associated impacts on credit portfolio • Screening large corporate portfolio for those customers most exposed to Russian, Ukrainian an/or Belarussian activities • • Screening of financial institutions and banks portfolio for indirect exposures to the wider Russian region Ad-hoc scenario for market risk stress test to estimate direct P&L effects of possible market volatility on trading book exposures as well as banking book securities accounted for at fair value • Screening of cyber risks and review of preparedness of business continuity plans for blackout scenarios ERSTES Group Page 4
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