Q3 2020 Business Update amid Covid-19

Additional information: group balance sheet - Liabilities and equity in EUR million Financial liabilities held for trading Derivatives Other financial liabilities held for trading Financial liabilities at fair value through profit or loss Deposits from customers Debt securities issued Other financial liabilities Financial liabilities at amortised cost Deposits from banks Deposits from customers Debt securities issued Other financial liabilities Lease liabilities Hedge accounting derivatives Fair value changes of hedged items in portfolio hedge of interest rate risk Provisions Current tax liabilities Deferred tax liabilities Liabilities associated with assets held for sale Other liabilities Total equity Equity attributable to non-controlling interests Additional equity instruments Equity attributable to owners of the parent Subscribed capital Additional paid-in capital Retained earnings and other reserves Total liabilities and equity ERSTEŚ Group Sep 19 2,751 Dec 19 Quarterly data Mar 20 Change Jun 20 Sep 20 YOY-A YTD-A QOQ-A 2,421 3,322 2,737 2,845 3.4% 17.5% 4.0% 2,411 2,005 2,945 2,308 2,253 -6.5% 12.3% -2.4% 341 416 377 429 592 73.9% 42.5% 38.0% 14,550 277 13,494 265 12,591 12,607 12,334 -15.2% -8.6% -2.2% 13,754 520 208,728 19,936 171,831 13,011 219 204,143 13,141 173,066 181,439 252 12,128 211 219,988 20,703 295 279 0.7% 5.2% -5.5% 12,136 177 222,321 21,984 11,878 -13.6% -8.7% -2.1% 178 -65.8% -18.8% 0.8% 229,525 10.0% 12.4% 3.2% 26,433 32.6% >100.0% 20.2% 182,376 184,551 7.4% 6.6% 1.2% 16,350 17,360 17,285 17,295 17,797 8.9% 2.5% 2.9% 611 576 560 666 743 21.7% 29.0% 11.5% 403 515 520 521 516 28.1% 0.2% -0.9% 291 269 207 209 209 -28.0% -22.2% 0.3% 0 0 0 0 0 25.4% >100.0% -20.2% 2,001 1,919 2,046 2,033 2,008 0.4% 4.7% -1.2% 89 61 94 62 67 -24.2% 10.8% 8.5% 24 18 24 17 31 28.5% 73.9% 85.6% 7 6 7 7 3 -65.0% -59.4% -66.0% 3,128 2,369 3,045 2,978 3,006 -3.9% 26.9% 0.9% 20,130 20,477 21,053 21,200 21,438 6.5% 4.7% 1.1% 4,735 4,857 4,875 4,922 5,024 6.1% 3.4% 2.1% 1,490 1,490 1,987 1,987 1,987 33.4% 33.4% 0.0% 13,904 14,129 14,190 14,291 14,427 3.8% 2.1% 1.0% 860 860 860 860 860 0.0% 0.0% 0.0% 1,477 1,478 11,568 252,101 1,478 1,478 11,792 11,853 11,953 245,693 262,898 264,692 271,983 1,478 0.1% 0.0% 0.0% 12,090 4.5% 2.5% 1.1% 7.9% 10.7% 2.8% Page 54

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