Q3 2020 Business Update amid Covid-19

Presentation topics • Addressing the key questions in an uncertain environment • CEE Covid-19 evolution update • Macroeconomic update • Business update . • • Operating trends Asset quality and impairments Capital trends and dividends Key takeaways and outlook • Q3 20 presentation • Executive summary . Business environment • Business performance • • Assets and liabilities Additional information • Covid-19 measures update ERSTEŚ Group Page 22

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