Q3 2020 Business Update amid Covid-19

The political/fiscal reaction - Details on moratoria Main characteristics Opt-in / Opt-out Retail / Corporate Period Partici- pation Extended to 10 Statutory Retail Opt-in Interest charged during deferral period & paid after the moratoria Micro months (until January 2021) Retail: 5% Corp: 2% Statutory Interest charged during deferral period Rate cap at 2w repo + 8pp Retail Opt-in Corp. 3 to 6 months (until October 2020) Retail: 6% Corp: 8% Retail Statutory Opt-in Micro Interest charged during deferral period & paid after the moratoria SME Up to 9 months (up to duration of crisis situation) Retail: 12% Corp: 19% Statutory Interest cannot be charged on unpaid interest (monthly instalment cannot increase after moratoria & maturity will be extended) Statutory Interest capitalised & paid over the life of the contract (except mortgage for which interest will be accumulated & paid in 5 years) Opt-out Opt-in for corp in 21 Retail Corporate Extended from 9 to 15 months (until June 2021) Retail: 43% Corp: 30% Opt-in Retail Corporate Up to 9 months (until December 2020) Not statutory; banks encouraged to participate in moratoria Interest rate during deferral period accumulated and paid at the end of loan maturity Opt-in Retail Corporate Up to 6 months; 12 months for tourism (July 21) Retail:4% Corp: 10% Retail: 6% Corp: 21% Statutory Interest cannot be charged on unpaid interest Opt-out Retail Corporate Expired in June; extended for Aug & Sept 2020 * Customer participation in active moratoria at Erste Group subsidiaries as of September 30, 2020; moratoria participation in Austria includes deferrals ERSTEŚ Group Retail: 60% Corp: 50% Page 66

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