Investor Presentaiton

Emphasis on maintenance of adequate capital level CET 1 capital - ESB Regulatory capital - ESB 18,0% 6,11 YE 2016 10% 21,6% 18,8% 17,0% 6,54 6,81 7,35 YE 2017 HY 2018* YE 2016 CET1 (HRK bn) CET 1, % CET1 Pillar 1 regulatory minimum, % CET 1 capital - ESB group 15,6% 6,72 13,5% 22,4% 19,9% 7,77 7,95 YE 2017 Regulatory capital (HRK bn) Total capital ratio, % HY 2018* Pillar 1 regulatory minimum, % Regulatory capital - ESB group 16,6% 15,3% 15,6% 13,5% 10% 7,14 7,35 16,6% 17,7% 7,94 8,36 8,49 HY 2018* YE 2016 YE 2016 YE 2017 CET1 (HRK bn) CET 1, % CET1 Pillar 1 regulatory minimum,% YE 2017 HY 2018* Regulatory capital (HRK bn) Total capital ratio, % Pillar 1 regulatory minimum, % *HY 2018 profit not included in regulatory capital, while write-offs are included ERSTEŚ Source: internal data of ESB Bank ** Pillar 1 regulatoy minimum includes combined protection level of capital, while it doesn't include SREP add-on 18

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