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Investor Presentaiton

Additional information: Multiple point of entry resolution strategy - MREL compliance at Point of Entry Levels (bail-in) Ownership Structure 100% Česká spořitelna 100% Slovenská sporiteľňa Erste Group Bank AG & Savings Banks + other subs 99.9% 100%* Banca Comercială Română Erste Bank Hungary & local subsidiaries & local subsidiaries & local subsidiaries & local subsidiaries Resolution Groups 69.3%** Erste Bank Croatia & local subsidiaries Erste Group follows an MPE resolution strategy with each resolution group issuing its external MREL debt *Erste Bank Hungary: 30% held by Corvinus/Hungarian State and EBRD (15% each) with option agreement to sell stakes to Erste Group Bank AG **Erste Bank Croatia: direct stake of 59%; indirect stake through Steiermärkische Sparkasse ERSTEŚ Group Page 45
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