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Investor Presentaiton

Macroeconomic update - Economic rebound set to continue in 2022, albeit at slower pace 2021 2022 Real GDP growth (in %) Dom. demand contribution* (in %) Net export contribution* (in %) Consumer price inflation (avg, in %) 7.4 10.4 6.2 5.3 9.6 5.5 5.4 7.1 4.9 4.8 5.0 7.5 7.2 2.1 4.3 1.7 6.3 5.6 3.9 5.4 3.7 0.6 0.4 5.0 5.1 4.8 4.3 4.6 2.5 3.9 3.8 ☐ 3.3 3.2 3.0 3.0 3.2 -0.5 -0.9 -0.5 -0.8 -0.4 2.8 3.2 3.8 2.6 1.1 -2.3 -1.8 AT CZ SK RO HU HR AT CZ SK RO HU HR AT CZ SK RO HU HR AT CZ SK RO HU HR • • CEE & AT have demonstrated resilience in 2021; strong performance expected to continue with 2022 GDP growth of ~3-5% in CEE & AT Economies mostly driven by investments while supply chain issues have impacted industrial output . Strong economic recovery has been accompanied by visibly higher inflation; inflationary pressure expected to slightly ease in H2 2022 Unemployment rate (avg, in %) Current account balance (% of GDP) Public debt (% of GDP) Gen gov balance (% of GDP) 2.9 2.2 83 7.8 0.8 1.1 0.3 7.0 6.5 6.8 6.2 5.2 5.5 5.3 -0.8 4.1 3.8 79 78 75 81 78 63 62 50 50 60 -1.1 -0.7 42 43 -2.5 -2.9 2.9 2.7 -2.9 -3.1 -4.1 -4.0 -4.5 -5.1 -6.2 -6.0 -6.2 -6.8 -6.5 -7.3 -7.1 -7.8 AT CZ SK RO HU HR AT CZ SK RO HU HR AT CZ SK RO HU HR AT CZ SK RO HU HR • • Unemployment rates expected to decline in CEE & AT in 2022 • Fiscal deficits positively impacted by stronger tax revenues due to cyclical rebound and phasing out of covid-19 support in 2022 * Contribution to real GDP growth. Domestic demand contribution includes inventory change. Source: Erste Group Research, EU Commission ERSTEŚ Group Page 13
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