Investor Presentaiton

Operating trends: operating income - 5th consecutive record fee performance and NII drive revenues Group 22 1,869 1,944 2,007 YOY Q4 20 QoQ Q3 21 Q4 21 Revenues up yoy, pushed by exceptional fee and strong NII performance Qoq increase attributable to best NII print since Q4 11 and record fee income, offsetting weaker net trading and FV result Year-on-year segment trends: • 7.4% 3.2% • 283 AT/EBO e 294 10.3% 6.1% 312 446 1.9% AT/SB 439 3.6% 455 214 1.8% • AT/OA 194 12.4% 218 • 364 18.0% CZ 402 • 6.9% 430 176 7.6% RO 180 5.6% 190 153 2.7% SK 159 -0.7% 158 120 -11.1% HU 130 -18.3% 107 102 HR 110 107 21 26 25 -11 H RS Other 17 222 165 11 in EUR m 4.5% -3.3% -1.3% 18.2% Not meaningful • CZ: higher NII = key revenue driver RS: strong business growth drives up NII and fees AT/EBOe: increase due to strong fees (asset management, payment services) and higher NII (deposit fees for corporate clients) HU: stronger core revenues offset by weaker net trading & FV result (negative revaluation of FV loans as a result of higher interest rates) Quarter-on-quarter segment trends: • • AT/OA: better NII (Corporates, Group Markets) and fees push up revenues HU: one-off effects weigh on NII, while weaker net trading & FV result (see yoy comment) is key driver of revenue decline ERSTEŚ Group Page 21

View entire presentation