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Investor Presentaiton

Additional information: footprint - Customer banking in Austria and the eastern part of the EU CZ SK AT Erste Group footprint HU RO SI HR RS BIH MN MK Czech Republic Customers: 4.5m Employees: 9,711 Branches: 418 MD Slovakia Customers: 2.1m Employees: 3,644 Branches: 200 Hungary Customers: 0.9m Employees: 3,238 Branches: 105 • • Highlights Leading retail and corporate bank in 7 geographically connected countries Favourable mix of mature & emerging markets with low penetration rates Potential for cross selling and organic growth in CEE • Number of customers: 16.1 million Romania Customers: 2.9m Employees: 5,342 Branches: 326 • Number of employees: 44,596 Number of branches: 2,091 Core markets Indirect presence Austria Customers: 3.9m Employees: 15,606 Branches: 820 (EBOe: 177) Croatia Customers 1.3m Employees 3,220 Branches: 135 Serbia Customers: 0.5m Employees: 1,197 Branches: 87 Employees: FTEs as of end of reporting period (The presented FTE data exclude FTES outside Erste Group's core markets in Austria and CEE as well as FTEs of specific services entities not located in Austria) ERSTEŚ Group Page 38
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