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Investor Presentaiton

ESG update: focus on the Social) and the Governance) - Alignment of employee with shareholder interests ⚫ Erste Group plans to launch employee share programme (ESP) • • • • Key goals of employee share programme • • • Turn employees of the bank in CEE and Austria into shareholders of Erste Group Foster long-term share ownership culture and financial knowledge among employee base Further improve employee retention and employer attractiveness Allow employees to take advantage of tax benefits for share ownership, if applicable Over time establish employee foundation as a significant “shareholder" by transfer of voting rights from employees to employee foundation Planned structure of employee share programme • • 2-pronged programme structure • • Profit participation of EUR 350 pa for each employee subject to (1) parent company paying dividends and (2) parent company and subsidiaries satisfying regulatory capital and liquidity requirements Company subsidised investment opportunity for employees: each employee who purchases additional Erste Group shares up to a certain limit (tbd) is entitled to a sliding scale subsidy of investment volume by company Long-term retention periods, thereafter tax-free disposal possibility, if applicable Shares will be bought by Erste Group on the market - utilising existing buyback authorisation, subject to ECB approval Key numbers of the employee share programme Estimated annual cost of sliding scale subsidy approx EUR 13m • Annual cost of profit participation shares approx EUR 20m • • Total estimated annual cost of programme approx 0.75% of total expenses ERSTEŚ Group Page 6
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