Q3 2020 Business Update amid Covid-19

Our response to Coronavirus - Erste Group is there for its customers, communities and employees • Employees Majority of HQ employees in home office Majority of HQ in home office Psychological support Health insurance benefit Majority of HQ in home office Protective equipment 24/7 online doctor Majority of HQ in home office Special benefits for pregnant, elderly people Majority of HQ in home office Transport allowance Psychological support Majority of HQ in home office High-risk employees working exclusively from home office Majority of HQ in home office Psychological support Majority of HQ in home office Paid leave for high risk employees Retail customers Branches remaining open & extending online services Branches remain open George available for moratorium applications Branches remain open Banker on phone/online Branches remain open Mobile ATMs available Special COVID-19 website Branches remain open More call centre staff Educational videos Branches remain open Repayment holiday Tripled call centre capacity Standard restructuring measures if needed Branches remain open Special authorisation for pension payment • Corporate customers Expanding client advisory & transmitting state support Extended credit facilities Online process for moratorium applications Extended phone service Free payment terminals Postponed repayments (beyond statutory) Extended credit lines Simplified processes Flexible lending and account administration Repayment holiday Extended revolving credit facilities Normal lending activity Working capital loans Guarantee schemes Various fee reliefs, eased conditions offered for businesses . Communities Supporting health care workers, affected people, hospitals Donation to Austrian Red Cross Call centres help with tracing contacts Donation to emergency committee Educational webinars Loan programme and donations to health care workers Donation to health care system & education & NGOs Entrepreneurial education Donation to hospitals Support for most vulnerable communities Healthcare donations Supporting disabled and elderly people ERSTEŚ Group Page 68

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