Investor Presentaiton

Business update - Retail - what's happening on the ground? (1) • Strong demand for housing loans throughout 2021 Refinancing and increased mortgage demand in expectation of (further) interest rate hikes as the key drivers in CEE . • Rising share of fixed-rate housing loans Demand for consumer loans growing again, reflecting slowly increasing consumer confidence Client deposits continue to increase significantly, Erste Group perceived as a trusted partner for customers in all markets High demand for securities products throughout 2021 • • from securities driven by AT, CZ, HU Investment funds volumes growing, increase in fee income Increase of newly opened securities saving plans strongly supported by new digital solutions Housing loans Loan portfolio (in EUR billion) Consumer loans +11% +2% 66.2 11.6 11.8 59.6 December December 2020 2021 December December 2020 2021 Development of fee income securities (in EUR million) +29% 462 Newly opened regular securities saving plans (in thsd pieces) +43% 373 • • Annualised investment volume regular savings: > EUR 1 bn Demand from customers for insurance solutions (both life and non-life insurance) growing given increased client awareness for financial protection ERSTE Group 357 261 2020 2021 2020 2021 Page 14

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