Q3 2020 Business Update amid Covid-19

Additional information: group balance sheet - Assets in EUR million Cash and cash balances Financial assets held for trading Derivatives Other financial assets held for trading Non-trading financial assets at fair value through profit and loss Equity instruments Debt securities Loans and advances to banks Sep 19 Dec 19 Quarterly data Mar 20 Change Jun 20 Sep 20 YOY-A YTD-A QOQ-A 15,638 10,693 23,031 18,433 27,848 78.1% > 100.0% 51.1% 7,215 5,760 7,706 6,984 6,764 -6.3% 17.4% -3.2% 3,551 2,805 4,034 3,233 3,369 -5.1% 20.1% 4.2% 3,664 2,954 3,672 3,752 3,394 -7.4% 14.9% -9.5% 3,350 3,208 3,130 3,122 3,157 -5.8% -1.6% 1.1% 393 390 361 374 395 0.6% 1.2% 5.5% 2,539 2,335 2,250 2,129 2,124 -16.3% -9.0% -0.2% 0 0 0 0 0 n/a n/a n/a Loans and advances to customers 419 483 519 619 638 52.4% 31.9% 3.0% Financial assets at fair value through other comprehensive income 8,940 9,047 8,953 8,883 8,578 -4.0% -5.2% -3.4% Equity instruments 312 210 139 132 Debt securities 8,629 8,836 8,815 Financial assets at amortised cost 204,079 Debt securities Loans and advances to banks Loans and advances to customers Finance lease receivables Hedge accounting derivatives Property and equipment 26,808 26,764 204,162 207,133 27,700 8,750 214,464 212,824 136 8,442 -56.3% -35.2% 3.1% -2.2% -4.5% -3.5% 4.3% 4.2% -0.8% 29,298 28,649 6.9% 7.0% -2.2% 25,241 152,030 3,987 23,055 24,264 27,418 25,672 1.7% 11.4% -6.4% 154,344 155,168 157,749 158,502 4.3% 2.7% 0.5% 4,034 4,040 4,082 4,118 3.3% 2.1% 0.9% 182 130 226 270 254 39.7% 95.2% -5.9% 2,509 2,629 2,558 2,526 2,496 -0.5% -5.1% -1.2% Investment properties 1,226 1,266 1,254 1,257 1,245 1.5% -1.7% -1.0% Intangible assets 1,491 1,368 1,322 1,331 1,331 -10.7% -2.7% 0.0% Investments in associates and joint ventures 202 163 163 166 170 -15.6% 4.5% 2.4% Current tax assets 80 81 80 135 151 87.8% 86.6% 11.8% Deferred tax assets 436 477 453 467 454 4.2% -4.9% -2.9% Assets held for sale 242 269 265 260 209 -13.9% -22.3% -19.8% Trade and other receivables 1,405 1,408 1,391 1,287 1,256 -10.6% -10.8% -2.4% Other assets Total assets 1,119 1,001 1,191 1,019 1,123 0.4% 12.2% 10.2% 252,101 245,693 262,898 264,692 271,983 7.9% 10.7% 2.8% ERSTEŚ Group Page 53

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