Investor Presentaiton

Indicative terms & conditions of planned transaction Issuer Instrument Offer Principal repayment Nominal size and currency Denomination Coupon Reference yield Margin Listing Settlement Law Expected timing Subscription period ERSTE & STEIERMÄRKISCHE BANK d.d. Unsubordinated and unsecured bond, sixth level of higher priority in accordance to article 274 of Credit institutions law Exclusively to professional investors and eligible counterparties Bullet, after 5 years from issue date Up to HRK 500.000.000,00 1.000.000,00 HRK Fixed, semi-annual payment Bid yied of RHMF-O-23BA bond [•] bps Official Market of ZSE CCDC Law of Republic of Croatia October 2018. 1 day ERSTEŚ Bank 20 20

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