Q3 2020 Business Update amid Covid-19

Business performance: operating result and CIR CIR at 55.6% in Q3 20 Operating result - YoY Q3 19 QoQ Q2 20 Q3 20 786 Group 805 806 117 AT/EBO e 118 114 143 AT/SB 167 157 89 YoY &QoQ change 2.4% 0.0% -2.5% -3.7% 9.8% -5.9% 4.9% Cost/income ratio 56.3% 55.5% 55.6% 58.5% 58.1% 59.4% 64.6% 61.1% 62.5% 51.6% AT/OA 151 36.3% -38.3% 93 49.5% 203 47.8% CZ 72 -6.0% 167 51.5% 14.4% 191 48.3% RO SK HU HR RS 320905 98868% 20% 0030 645 545 758 193 47.7% -3.2% 82 49.9% 10.7% 90 48.4% 79 47.5% 80 7.4% 47.3% 7.0% 85 44.9% 45.4% 62 -7.2% 45 53.7% 29.4% 58 46.1% 48.5% 58 -12.8% 43 ☐ 55.9% 16.8% 150 51.9% 66.2% 17.1% 73.3% 50.2% 64.1% -64 Other -52 -41 TO Not meaningful Not meaningful in EUR m ERSTEŚ Group Page 33

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