Q3 2020 Business Update amid Covid-19

The political/fiscal reaction - Details on loan guarantees Main characteristics • EUR 18bn programme for loans and guarantees for enterprises, especially SMEs Bridging loans in case of liquidity shortages EUR 33bn (COVID I, II, III) subsidised & guaranteed loan programmes COVID Praha for SMEs in Prague ERSTEŚ Group Other smaller COVID programmes for Sport, Culture, Rent etc. EUR 2.2bn in two state guarantee schemes (micro & SME, large corporates) EUR 5.6bn guaranteed loans to enterprises EUR 4bn state guarantee scheme for micro & SME loans EUR 1.7 bn for loans and guarantees for enterprises, especially SMEs Guarantee Up to 100% 80-90% (30% cap at portfolio level) Interest Subsidised (varies by products) Subsidised with absolute cap Absolute cap Period 2-5 years Up to 3 years 80-90% or subsidy of up to 4% Up to 6 years 80% 0-2.6% 3-15 years SME 80% Micro 80-90% Fully subsidised 3-6 years Up to 80-100% EUR 2.2bn programme for state guaranteed loans for micro companies and SMEs 80% (30% cap at portfolio level) Varies by product Up to 5 years • 4% LCY Up to 3 years <3% EUR Page 67

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