Q3 2020 Business Update amid Covid-19

Executive summary - Key income statement data Net interest income & margin Operating result & cost/income ratio 2.17% 2.09% in EUR m in EUR m -3.2% 2,233 2,163 55.5% 55.6% 805 806 2.04% 2.04% 3,517 3,589 1,168 1,192 Cost of risk in EUR m 614 1.48% 870 0.46% 195 1-9 19 1-9 20 Q2 20 Q3 20 1-9 19 1-9 20 Q2 20 Q3 20 -43 1-9 19 1-9 20 Q2 20 Q3 20 Banking levies 100 in EUR m 11.6% Reported EPS & ROE in EUR Return on tangible equity 91 33 2.78 5.5% 0.2% 9.6% 13.0% 6.0% 10.5% 00000000 17 1.37 0.02 0.81 0.2% 1-9 19 1-9 20 Q2 20 Q3 20 1-9 19 1-9 20 Q2 20 Q3 20 1-9 19 1-9 20 Q2 20 Q3 20 ERSTEŚ Group Page 19

View entire presentation