Q3 2020 Business Update amid Covid-19

- Executive summary Key balance sheet data Loan/deposit & loan/TA ratio Net loans & credit RWA in EUR bn 31/12/19 30/09/20 NPL coverage ratio & NPL ratio 92.2% 89.0% +2.6% 95.5% 65.2% 60.5% 160.3 164.5 77.1% 100.4 97.7 Loan/deposit ratio Loans/total assets Net loans B3FL capital ratios Credit RWA NPL coverage B3FL capital & tangible equity¹ in EUR bn 18.5% 19.3% 16.3 16.4 12.8 13.1 13.7% 14.1% 2.5% 2.4% NPL ratio Liquidity coverage & leverage ratio² 179.4% 148.0% 6.8% 6.4% Total capital CET 1 CET 1 Tangible equity LCR LR (B3FL) 1) Based on shareholders' equity, not total equity 2) Pursuant to Delegated Act ERSTEŚ Group Page 21

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