Slides
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Peter Bosek, Chief Executive OfficerStefan Dörfler, Chief Financial OfficerAlexandra Habeler-Drabek, Chief Risk Officer Annual results 2025PRESS CONFERENCE, 26FEBRUARY 2026
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What was our business performance like in 2025? 22
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+3.3 % * +12.3 % +18.7 % +8.5 % +18.7 % +6.7 % +6.7 % Loan growth beats guidance 3 Growth rate in 2025 * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corporates and Group Markets business of the Holding, as well as Erste Group Immorent, Erste Asset Management and Intermarket Bank. Dec 24Dec 25 218.1232.0+6.4 %in EUR bn.Net loan stock
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Deposit growth in nearly all markets 4 Growth rate in 2025 * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corporates and Group Markets business of the Holding, as well as Erste Group Immorent, Erste Asset Management and Intermarket Bank. in EUR bn. Dec 24Dec 25 241.7253.0+4.7 % +2.0 % * +7.2 % +18.3 % +8.3 % +0.9 % -0.2 % +5.1 % Deposits
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Czech Republic 5 Dec 24Dec 25 43.348.6+12.3 % in EUR bn.Net loan stock
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Austria 6 Dec 24Dec 25 102.0105.6+3.4 % Net loan stockin EUR bn. * EBOe and savings banks, excl. Holding business Pioneering use of quantum technology
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7 Dec 24Dec 25 19.520.7+6.7 %in EUR bn.Net loan stockSlovakia > 70,000New micro clients onboarded
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Romania 8 Dec 24Dec 25 13.414.3+6.7 %in EUR bn.Net loan stock
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Croatia 9 Dec 24Dec 25 9.710.5+8.5 %in EUR bn.Net loan stock in automatically approved loans for corporate customers € 171 mn.
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Hungary 10 Dec 24Dec 25 5.76.8+18.7 %in EUR bn.Net loan stock Strongest relative growth across the group in securities savings plans +55 %
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11 Dec 24Dec 25 2.22.6+18.7 %in EUR bn.Net loan stockSerbia
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12 What’s nextin Poland?
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branches to be redesigned 13 ATMs to be rebranded advertising materials to be updatedmillion new paper supplies 4851,400 1,5001
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14
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George 15 Integration of IT systems Organizational processes Consolidation of financial figures in Q1 Next steps 1515
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Net interest income up 3.5 %, beating expectations 1616 7,528 7,788 20242025 Strong growthin SK (+11.4 %), CZ (+5.9 %)on back of loan volume growth Quarterly NII above €2 bn mark for first time in Q4 +3.5 % in EUR mn.
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Net fee and commission income up 8.6 % — securities business and payments as key drivers 1717 2,938 3,191+8.6 %+13 % higherfee incomein securities business Higher revenues in payments driven by increased transaction volumes 20242025in EUR mn.
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Higher operating income on high quality revenue growth 1818 IN EUR MIO. 43727520244192612025 11,17811,659 7,528 2,938 7,788 3,191 +4.3 % Net interest incomeNet fee and commission incomeNet trading result and gains/losses from financial instruments at FVPLOther operating income
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54756020242025 5,2795,583 3,202 1,529 3,335 1,688 +5.8 % Operating expenses come in on target 1919 Personnel expensesOther administrative expensesDepreciation and amortisation IN EUR MIO.
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78 91561821 202020212022202320242025 Risk costs remain at a competitive level 20 In basis points of gross customer loansRisk costs+3 basis points ≙ 0,03 PP
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NPL ratio declines slightly 21 Erste Group in totalGeographical segments * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corporates and Group Markets business of the Holding, as well as Erste Group Immorent, Erste Asset Management and Intermarket Bank. Dez 24Dez 25 2.62.4 AT*CZSKROHUHRRS 2.92.8 1.81.61.92.22.62.7 1.91.6 3.12.82.6 2.0 Dec 24Dec 25
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Net result rises thanks to core business and one-off effects 22 IN EUR MN. 480 307 2025Minorities 32 Taxes on income -50 3,125 3,510 OtherresultRisk costs -81 Operatingexpenses -304 Operatingincome2024 +12.3 %
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Strong capitalization before first-time consolidation in Poland 23 15.3 19.3 Dec 24Dec 25 Common equity tier 1 ratioIn % (CET1; CRR phased-in)
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ParametersErste excl. EBPErste incl. EBPLoans > 5 %>285 bnNet interest income ~ +5 %>11 bnNet fee and commission income> +5 %~ 4 bnCosts ~ +3 %~ 7 bnCost-income ratio ~ 47 %~ 45 %Risk costs 20–25 bps25–30 bpsReturn on Tangible Equity (ROTE)~ 19 %Earnings per share uplift>20 %Capital return€ 0.75 Financial outlook for 2026 24
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Positive momentum thanks to improved economic forecasts 25 2.5 CZSKROHUHRRS 0.40.8 3.64.0 PL 2.5 0.81.3 0.61.00.4 2.0 3.02.7 2.0 2.7 AT 20252026e Real GDP growthin %
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26 € 285,000,000,000 Projected loan volume We support the growth in our region