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Investor Presentaiton

Wholesale funding and capital: LT funding – - Stable LT funding needs in 2022 with recurrence of covered bond funding Maturity profile of debt . 5.2 in EUR bn 3.5 3.6 2.9 2.4 2.4 2.1 1.4 1.2 0.6 0.7 0.1 0.0 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034+ Senior unsec. bonds Senior non-preferred bonds Covered bonds Capital exc Tier 1 Debt CEE Erste Group returned to the covered bond market after a two year absence with a 6.5 and 15 year dual tranche, EUR 750m each, opening the market for European FIG issuers in January 2022 • 2022 funding volume of Erste Group Bank AG comparable to 2021 levels • 2027 maturity peak attributable to MREL issuances . ⚫ TLTRO III outstanding as of 31 Dec 2021: EUR 21.2bn ERSTES Group Page 30
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