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Investor Presentaiton

Operating trends: operating result and CIR- Operating result up 17.1% in 2021, CIR improves to 55.6% Operating result YoY Q4 20 QoQ Q3 21 Q4 21 772 Group 906 YoY &QoQ change 9.0% -7.2% Cost/income ratio 58.7% 53.4% 842 58.1% 90 68.0% 41.2% AT/EBO e 126 57.1% 1.3% 128 59.1% 159 64.5% 1.5% AT/SB 173 60.7% -6.8% 161 64.6% 115 46.4% AT/OA 107 6.5% 44.9% 14.5% 122 43.9% 192 47.4% 22 9.7% CZ 212 47.2% -1.0% 210 51.1% 83 52.9% RO 99 13.7% 44.9% -4.6% 94 50.2% 80 47.7% 2.0% SK 90 43.4% -8.8% 82 48.0% 66 44.7% 10 -30.4% HU 72 44.8% -35.9% 46 56.7% 53 48.2% HR 56 -7.6% -13.5% 48.9% 49 54.2% 3 86.7% 35.5% RS 10 4 -61.9% 60.5% 84.8% -68 Other -39 -54 Not meaningful Not meaningful in EUR m ERSTE Group Page 23

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