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Investor Presentaiton

Executive summary - Key income statement data Net interest income & margin Operating result & cost/income ratio Cost of risk 2.08% 2.05% in EUR m in EUR m in EUR m 4,976 2.08% +17.1% 4,775 1.98% 1,295 0.24% 3,436 58.1% -0.07% 53.4% 2,935 1,221 1,306 906 842 107 2020 2021 Q3 21 Q4 21 2020 2021 159 -31 Q3 21 Q4 21 2020 2021 Q3 21 Q4 21 118 Banking levies 73 in EUR m Reported EPS & ROE in EUR 11.6% 13.7% 10.1% 4.7% 4.17 Return on tangible equity 12.7% 15.0% 11.0% 0 0 0 0 0 0 0 0 0 0 19 1.57 1.25 0.93 5.1% 2 2020 2021 Q3 21 Q4 21 2020 2021 Q3 21 Q4 21 2020 2021 Q3 21 Q4 21 ERSTES Group Page 8

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