Investor Presentaiton

ERSTE&STEIERMÄRKISCHE BANK d.d. - Introduction - Member of Erste Group - one of the leading Fls in eastern part of EU - Primary focus on retail clients and SMEs 3rd Bank in Croatia in terms of assets (14.53% of market ISTRA (PULA) - - - share as of June 2018) More than 870.000 clients 132 branches 13 commercial, 8 entrepreneurial and 9 profit centres More than 2.500 employees (The whole Group in Croatia more than 3.500) RIJEKA ZAGREB SPLIT BJELOVAR DUBROVNIK AWARDS - #2 Employer Partner for 2018 EBRD - Award for the best Bank in Croatia for TFP programme for 2017 The Banker and PWM – the best private banking services in Croatia for 2017 The winner of the Gold Kuna for the most successful Bank in 2005, 2006, 2008, 2010, 2011 and 2012 CEP CERTIFIKAT POSLODAVAC PARTNER PLUM The Banker GLOBAL PRIVATE BANKING AWARDS 2017 BEST PRIVATE BANK IN CROATIA ERSTEŚ Bank ZLATNA KUNA 4

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