Q3 2020 Business Update amid Covid-19 slide image

Q3 2020 Business Update amid Covid-19

Understanding operating trends (1) - Low single-digit underlying net loan growth expected in 2020 . Qoq net loan growth amounted to +0.5% in Q3 (Q2 20: +1.6%) • Moratoria effect (reduced redemptions): EUR +0.5bn • • Impact of state-guaranteed loans: approx. EUR +0.8bn Currency effect: EUR -0.6bn in Q3 20 (ytd - EUR -2.0bn) Composition of net loan growth in Q3 20 (in EUR bn) • Real business growth: EUR +0.2bn . Erste Group so far supported more than 1m customers amid evolving Covid-19 situation • Stable moratoria participation trends • State guaranteed loans continue to be an Austria feature Volume-based active moratoria participation as of June 30 as of Sept 30 (in % of loans to customers) 14 14 7 7 96 4 3 Data source: EBA reporting, internal reports ERSTEŚ Group 0.8 163.7 0.5 0.6 164.5 0.2 Q2 20 Guarantees Moratoria FX-Effect Business Q3 20 Active volumes subject to key Covid-19 measures (as of 30 September, in EUR m) Opt-out 4,724 New state guaranteed loans 67 Other forbearance measure 1,188 Opt-out Moratoria 55 89 2,667 39 37 132 2,139 565 077 1,786 3,447 09 1,085 978 15 14 1,971 2,062 591 19.9 1,778 037 4-2 1,058 941 585 H Page 9
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