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Investor Presentaiton

Key events since formation ERSTEŚ Bank 2003 2009 2011 2018 Integration of Erste Factoring into the Bank Acquisition of shares in Erste Card Club d.d. Acquisition of 100% equity stake in Opportunity bank AD Podgorica (now Erste bank AD Podgorica) Acquisition of Riječka banka d.d. 2000 Formation of ERSTE & STEIERMARKISCHE BANK d.d. through merger of Bjelovarska, Trgovačka and Čakovečka banks LO 5

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