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Investor Presentaiton

Business update - Corporates & Markets - what's happening on the ground? . . Loan demand continues to grow Loan volume grew by more than EUR 5bn yoy; highest growth in our major markets in Austria, Romania and the Czech Republic; increase in all segments (LC, SME, CRE and PS) Record operating result on the back of higher income from core revenues, net trading and the fair value result as well as due to a strong fee development Outstanding year for Capital Markets business . • • Capital markets business performed exceptionally well with an operating income of more than EUR 600m Erste Group executed several capital markets transactions, amongst others the EUR 1bn initial public offering of CTP- the largest IPO in the European real estate sector since 2014 A total issuance volume of almost EUR 96bn was achieved through 205 mandated transactions (for all C&M segments) accompanied by a fee result of more than EUR 36m • Growth in Asset Management Corporate loan stock development (gross, business line view, in EUR bn) +8.7% +8.7% +3.3% +3.7% +5.6% 57.6 59.8 58.1 61.3 63.1 58.1 63.1 58.1 56.8 58.6 Q1 Q1 20 21 Q2 Q2 20 21 Q3 Q3 20 21 Q4 Q4 20 21 FY FY 20 21 20 Corporate segment operating results development (business line view, in EUR m) +16.0% 1,189.4 1,025.6 +20.5% +8.8% +18.6% +16.5% Assets under management stood at almost EUR 77bn at year- end 2021 (nearly +13% yoy) 233.1 280.8 260.2 283.2 254.1 301.3 278.2 324.2 • ESG-related AUM increased to EUR 15.5bn (nearly +15% yoy) Asset management sales in Retail more than tripled in 2021 to EUR 3.3bn Q1 Q1 Q2 Q2 Q3 Q3 20 21 20 21 20 21 Q4 Q4 20 21 FY FY 20 21 ERSTEŚ Group Page 16
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