Investor Presentaiton

- Executive summary Key balance sheet data Loan/deposit & loan/TA ratio Net loans & credit RWA in EUR bn 86.9% 85.6% +8.6% 59.9% 58.6% 180.3 166.1 Loan/deposit ratio Loans/total assets Net loans B3FL capital ratios 31/12/20 31/12/21 NPL coverage ratio & NPL ratio 90.9% 88.6% 111.2 101.7 Credit RWA NPL coverage 2.7% 2.4% NPL ratio Liquidity coverage & leverage ratio² B3FL capital & tangible equity¹ in EUR bn 189.3% 18.8 19.7% 19.1% 17.1 14.2% 14.5% 14.4 13.2 177.3% 6.7% 6.5% Total capital CET 1 CET 1 Tangible equity LCR LR (B3FL) 1) Based on shareholders' equity, not total equity 2) Includes central bank exposures ERSTES Group Page 10

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