Q3 2020 Business Update amid Covid-19

Additional information: strategy. - A real customer need is the reason for all business Customer banking in Central and Eastern Europe Eastern part of EU Retail banking Corporate banking I Focus on CEE, limited exposure to other Europe Capital markets Public sector Interbank business Focus on local currency mortgage and consumer loans funded by local deposits FX loans (in EUR) only where funded by local FX deposits (Croatia and Serbia) Savings products, asset management and pension products Expansion of digital banking offering SME and local corporate banking Advisory services, with focus on providing access to capital markets and corporate finance Real estate business that goes beyond financing Focus on customer business, incl. customer- based trading activities In addition to core markets, presences in Poland, Germany, London, New York and Hongkong with institutional client focus and selected product mix Building debt and equity capital markets in CEE Financing sovereigns and municipalities with focus on infrastructure development in core markets Any sovereign holdings are only held for market- making, liquidity or balance sheet management reasons Focus on banks that operate in the core markets Any bank exposure is only held for liquidity or balance sheet management reasons or to support client business ERSTEŚ Group Page 59

View entire presentation