Investor Presentaiton

Additional information: group balance sheet Assets - Quarterly data Change in EUR million Cash and cash balances Financial assets held for trading Derivatives Dec 20 Mar 21 Jun 21 Sep 21 Dec 21 YOY-A YTD-A QOQ-A 35,839 53,954 48,421 47,125 45,495 26.9% 26.9% -3.5% 6,356 6,464 6,088 6,244 6,473 1.8% 1.8% 3.7% 2,954 2,551 2,146 2,269 2,263 -23.4% -23.4% -0.3% Other financial assets held for trading 3,402 3,912 3,942 3,975 4,210 23.8% 23.8% 5.9% Non-trading financial assets at fair value through profit and loss 3,083 3,096 3,154 3,105 3,124 1.3% 1.3% 0.6% Equity instruments 347 325 309 316 332 -4.4% -4.4% 5.0% Debt securities 2,048 2,036 1,999 1,953 1,975 -3.6% -3.6% 1.1% Loans and advances to banks 0 0 19 21 10 n/a n/a -53.0% Loans and advances to customers 687 735 827 815 808 17.6% 17.6% -0.9% Financial assets at fair value through other comprehensive income 8,519 8,547 9,181 9,074 8,881 4.3% 4.3% -2.1% Equity instruments 130 127 109 114 132 2.0% 2.0% 16.0% Debt securities 8,389 8,420 Financial assets at amortised cost 210,940 219,901 Debt securities Loans and advances to banks Loans and advances to customers Finance lease receivables 9,072 8,960 223,072 230,488 229,641 29,579 31,009 33,272 33,651 35,551 21,466 27,477 24,522 27,728 20,991 159,895 161,414 165,279 169,109 173,099 8,749 4.3% 4.3% -2.4% 8.9% 8.9% -0.4% 20.2% 20.2% 5.6% -2.2% -2.2% -24.3% 8.3% 8.3% 2.4% 4,127 4,094 4,167 4,208 4,209 2.0% 2.0% 0.0% Hedge accounting derivatives 205 149 131 94 79 -61.7% -61.7% -16.4% Fair value changes of hedged items in portfolio hedge of interest rate risk 5 I 0 -2 -4 n/a n/a >100.0% Property and equipment 2,552 2,526 2,545 2,539 2,645 3.6% 3.6% 4.2% Investment properties Intangible assets 1,280 1,312 1,370 1,367 1,344 5.0% 5.0% -1.7% 1,359 1,332 1,342 1,326 1,362 0.2% 0.2% 2.7% Investments in associates and joint ventures 190 192 195 196 211 10.9% 10.9% 7.6% Current tax assets 175 183 171 147 135 -22.6% -22.6% -8.1% Deferred tax assets 460 446 427 439 562 22.2% 22.2% 28.0% Assets held for sale 212 165 141 129 73 -65.5% -65.5% -43.6% Trade and other receivables 1,341 1,596 1,841 1,797 2,152 60.5% 60.5% 19.8% Other assets Total assets 751 1,010 1,188 962 1,045 39.2% 39.2% 8.6% 277,394 304,969 303,435 309,240 307,428 10.8% 10.8% -0.6% ERSTES Group Page 42

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