Q3 2020 Business Update amid Covid-19

Business environment - Stable market shares across the region Gross retail loans 30/09/19 30/06/20 30/09/20 21.9% 23.7% Gross corporate loans Retail deposits Corporate deposits AT 20.7% 20.4% 21.9% 20.5% AT 22.1% AT 21.2% AT CZ 75 23.6% 21.7% 25.5% 12.3% 23.8% CZ 20 21.1% 23.9% 21.0% 22 CZ 25.4% CZ 12.7% 25.4% 12.3% 26.2% 14.9% 28.2% 14.7% SK 26.0% SK 16.3% SK 28.4% SK 12.5% 25.8% 16.4% 28.4% 11.3% 16.6% 11.9% 14.9% 14.2% RO 17.0% RO 12.2% RO 14.7% RO 14.0% 17.2% 12.4% 14.6% 13.8% 11.7% 7.7% 9.7% 5.8% HU 11.9% HU 7.8% HU 10.5% H HU 6.8% 12.0% 7.7% 10.5% 6.6% 13.8% 19.8% 14.3% 14.7% HR 14.0% HR 21.4% HH HR 14.7% HR 17.2% 14.0% 21.6% 14.7% 17.0% 7.1% 6.2% 4.2% 6.3% RS 7.3% RS 6.8% RS 4.5% RS 6.9% 7.3% 6.7% 4.7% 7.5% • . • CZ: increasing market share in a growing market RO: increasing market shares driven mainly by mortgages SK: slightly declining market share caused by aggressive pricing by some of the smaller competitors • • • SK: increasing market shares in both Large Corporate and SME segments RO: increasing market share mainly in SME segment HR: increasing yoy market share driven by strong SME business * 30/09/2020 market share data for Austria not yet available ERSTEŚ • Continued inflows in all markets despite low interest rate environment Stable qoq market shares across the region Changes mainly due to normal quarterly volatility in corporate business SK: declining market share mainly in the large corporate segment due to pricing Page 26 Group

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