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Investor Presentaiton

Business update - Retail - what's happening on the ground? (2) Clients continue to go digital Number of George users (in thsd) • More than 7.8 million users onboarded to George across 6 markets, vast majority of clients use mobile app • Clients appreciate broad digital offering of banking products - digital sales continue to increase substantially Offering for securities and insurance products further • • • extended, additional green products launched Offering of sustainable investment solutions broadened in CEE markets Additional insurance products offered via George (e.g. health insurance in HR, short-term travel insurance in CZ) Pilots for green mortgages started in selected markets Ongoing focus on improving customer experience results in increasing CXI (Customer experience indicator) values and supports the acquisition of new customers • Austrian savings banks show a strong sector performance, particularly driven by securities business +28% 7,830 6,100 Dec 2020 Dec 2021 Development of digital sales (in thsd pieces) 960 +43% 1,374 ERSTEŚ Group 2020 2021 Page 15
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