Slides
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Q3 26 results presentation Vienna, 30 October 2026 Superior growth profile drives strong operating performance Peter Bosek, CEO Erste Group Stefan Dörfler, CFO Erste Group Alexandra Habeler-Drabek, CRO Erste Group
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Page THE INFORMATION CONTAINED IN THIS DOCUMENT HAS NOT BEEN INDEPENDENTLY VERIFIED AND NO REPRESENTATION OR WARRANTY EXPRESSED OR IMPLIED IS MADE AS TO, AND NO RELIANCE SHOULD BE PLACED ON, THE FAIRNESS, ACCURACY, COMPLETENESS OR CORRECTNESS OF THIS INFORMATION OR OPINIONS CONTAINED HEREIN. CERTAIN STATEMENTS CONTAINED IN THIS DOCUMENT MAY BE STATEMENTS OF FUTURE EXPECTATIONS AND OTHER FORWARD-LOOKING STATEMENTS THAT ARE BASED ON MANAGEMENT’S CURRENT VIEWS AND ASSUMPTIONS AND INVOLVE KNOWN AND UNKNOWN RISKS AND UNCERTAINTIES THAT COULD CAUSE ACTUAL RESULTS, PERFORMANCE OR EVENTS TO DIFFER MATERIALLY FROM THOSE EXPRESSED OR IMPLIED IN SUCH STATEMENTS. NONE OF ERSTE GROUP OR ANY OF ITS AFFILIATES, ADVISORS OR REPRESENTATIVES SHALL HAVE ANY LIABILITY WHATSOEVER (IN NEGLIGENCE OR OTHERWISE) FOR ANY LOSS HOWSOEVER ARISING FROM ANY USE OF THIS DOCUMENT OR ITS CONTENT OR OTHERWISE ARISING IN CONNECTION WITH THIS DOCUMENT. THIS DOCUMENT DOES NOT CONSTITUTE AN OFFER OR INVITATION TO PURCHASE OR SUBSCRIBE FOR ANY SHARES AND NEITHER IT NOR ANY PART OF IT SHALL FORM THE BASIS OF OR BE RELIED UPON IN CONNECTION WITH ANY CONTRACT OR COMMITMENT WHATSOEVER. 2 Cautionary note regarding forward-looking statements DISCLAIMER
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Page EXECUTIVE SUMMARY 3 PRESENTATION TOPICS MACROECONOMIC AND BUSINESS UPDATE OPERATING TRENDS WHOLESALE FUNDING AND CAPITAL FINANCIAL OUTLOOK APPENDIX
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Page QoQ net profit development (inc EBP) YTD net profit development (inc EBP) 4 Operating profit up on higher revenues, lower costs − Revenues driven by NII and fees, while net trading & FV normalised − Costs down qoq due to lower amortisation and staff expenses Risk costs stable amid good asset quality backdrop Minor decline in other result on net negative one-offs NII (ex EBP) up 7.0%, fees (ex EBP) up 9.5% yoy − Complemented by strong net trading & FV result (ex EBP) Costs (ex EBP) up 3.1% on higher personnel costs − Erste Bank Polska integration costs of EUR 100m in 1 -9 26 Other result (ex EBP) down on higher banking levies Another quarter, another record operating performance EXECUTIVE SUMMARY: P&L PERFORMANCE 52 10 26 24 10 24 Q2 26 Operating income Operating expenses Risk costs Other result Taxes on income Minorities Q3 26 1,096 1,121 +2.2% 2,566 3,095 434 502 480 1-9 25 3,444 Operating income 1,225 Operating expenses Risk costs 273 Other result Taxes on income Minorities 1-9 26 +20.6% in EUR m in EUR m
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Page Net interest margin 5 Cost/income ratio Risk cost ratio2 Banking levies Earnings per share3 Return on tangible equity CIR and ROTE again hit new quarterly records EXECUTIVE SUMMARY: P&L DASHBOARD in EUR m in EUR 46.7 Q3 25 49.3 Q4 25 45.0 Q1 26 43.9 Q2 26 43.1 Q3 26 2.42 Q3 25 2.46 Q4 25 2.64* Q1 26 2.64 Q2 26 2.73 Q3 26 24 Q3 25 27 Q4 25 68 Q1 26 20 Q2 26 24 Q3 26 18.0 Q3 25 16.0 Q4 25 18.1 Q1 26 22.1 Q2 26 23.8 Q3 26 G26: <45% G26: 25-30 bps G26: >20% 2.20 2.11 2.15 2.48 2.74 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 87 88 251 141 138 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 in % in bpsin % in % * Based on interest-bearing assets at Q1 26 1) All data presented on this slide includes EBP as of Q1 26 2) Q1 26 includes one-off EBP ECL provision of EUR 302m (47bps) 3)Based on reported net profit adjusted for AT1 dividend.
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Page YTD total asset development (inc EBP) YTD equity & total liability development (inc EBP) 6 Customer loans (ex EBP) up 5.8% (inc EBP: +23.9%) ytd − Retail & Corporates (ex EBP) up 5.1% and 6.5%, respectively, ytd − YTD growth (ex EBP) driven by HU, CZ, HR and AT/OA Increase in intangibles driven by EBP consolidation − EUR 2.0bn allocated to customer stock, EUR 2.1bn to goodwill Customer deposits (ex EBP): +4.5% (inc EBP: +28.1%) ytd − Retail & Corporates (ex EBP): +1.1% and +14.9%, ytd, mainly higher inflows from large corporates and public sector customers − Core deposits (Retail, SME, Savings Banks, ex EBP) flat ytd Increase in equity on inclusion of non-controlling interests from EBP (EUR +4.4bn) and interim profit Customer loans and deposits on sustainable growth path EXECUTIVE SUMMARY: BALANCE SHEET PERFORMANCE 5.3 30/09/26Miscella- neous assets 1.5 Intangibles 4.3 Net loans 368.6 462.5 55.4 Loans to banks 6.0 Trading, financial assets 31.9 Cash31/12/25 +25.5% 31/12/25 2.2 Trading liabilities 3.9 Bank deposits 71.1 Customer deposits 6.4 Debt securities 3.0 Miscellaneous liabilities 7.2 Equity 30/09/26 368.6 462.5 in EUR bn in EUR bn
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Page Loan/deposit ratio 7 Loan & deposit growth2 Asset quality Capital ratios Liquidity ratios3 Leverage ratio Balance sheet metrics strong across the board1 EXECUTIVE SUMMARY: BALANCE SHEET DASHBOARD in % in % 6.8 3.4 Q3 25 6.4 4.7 Q4 25 25.2 27.9 Q1 26 26.2 30.2 Q2 26 26.1 30.8 Q3 26 92.0 91.7 87.6 87.3 88.7 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 in % yoy, in % Loan growth Deposit growth G26: 6-8% 73.7 Q3 25 69.7 Q4 25 67.9 Q1 26 68.4 Q2 26 68.8 Q3 26 2.5 2.4 2.4 2.3 2.3 NPL coverage ratio NPL ratio in % 23.0 17.5 Q3 25 24.8 19.3 Q4 25 19.5 14.4 Q1 26 20.0 15.2 Q2 26 19.2 14.6 Q3 26 Total capital ratio CET 1 ratio 157.9 142.6 Q3 25 162.9 142.2 Q4 25 149.0 136.7 Q1 26 148.9 139.9 Q2 26 142.2 137.2 Q3 26 Liquidity coverage ratio Net stable funding ratio 7.8 Q3 25 8.2 Q4 25 6.4 Q1 26 6.6 Q2 26 6.5 Q3 26 in % 1) As of Q1 26 including EBP. 2) YoY loan growth ex EBP: +7.7%; deposit growth ex EBP: +6.6%. 3) NSFR as of 08/26.
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Page EXECUTIVE SUMMARY 8 PRESENTATION TOPICS MACROECONOMIC AND BUSINESS UPDATE OPERATING TRENDS WHOLESALE FUNDING AND CAPITAL FINANCIAL OUTLOOK APPENDIX
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Page Consumer price inflation Labour markets expected to remain strong, supporting domestic demand Current account balance picture mixed in CEE, fiscal deficits set to improve in the medium term MACROECONOMIC AND BUSINESS UPDATE: ECONOMIC FORECASTS * Current account balance General government balance Public debt Economic growth expected to accelerate in 2027 Broadly unchanged 2026 GDP growth forecasts Inflation expectations have remained at low levels, except RO (further upward revision) Unemployment rate Real GDP growth 9 0.7 3.8 2.1 0.9 -0.7 1.7 2.1 3.4 1.1 3.0 2.5 1.7 2.2 2.2 2.2 4.0 AT PL CZ SK RO HU HR RS 3.1 3.2 2.1 3.7 8.5 1.8 4.3 3.1 2.8 4.3 2.8 3.0 5.1 3.0 3.1 4.2 AT PL CZ SK RO HU HR RS 5.9 6.0 3.2 6.0 6.4 4.5 4.8 7.8 5.7 6.1 3.5 6.0 5.8 4.3 4.7 7.5 AT PL CZ SK RO HU HR RS 0.9 -2.1 0.4 -2.7 -7.2 -0.1 -3.5 -4.5 1.2 -2.9 0.8 -2.5 -6.2 0.2 -3.8 -3.0 AT PL CZ SK RO HU HR RS -3.7 -7.1 -2.4 -4.5 -6.0 -7.3 -3.0 -3.0 -3.5 -7.1 -3.4 -5.0 -5.5 -5.3 -3.0 -3.0 AT PL CZ SK RO HU HR RS 83 68 45 62 61 77 55 44 84 71 47 64 63 77 55 44 AT PL CZ SK RO HU HR RS * Source: Erste Group Research. avg, in % avg, in %in %2026 2027 % of GDP % of GDP % of GDP
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Page Retail loan growth (ex EBP) accelerates further in Q3 26* − Continued robust demand for housing loans yoy and qoq; borrowers decide for shorter interest rate fixation periods, especially in non -euro markets − Consumer loan volumes remain at solid levels, particularly in AT/ EBOe, with rising share of digitally originated products − Risk profile remained stable at very good levels Retail deposits consolidate near record levels in Q3 26* − Rising interest rates tilted demand towards term deposits (up 3.2% qoq), while current account and savings deposits slipped slightly Stock of securities savings plans hits 2.3m contracts* − Strategic focus on long-term savings plans pays off, creating a constant inflow of new assets under management despite volatile markets and supports a long-term sustainable fee growth Retail digital platform George continues to grow − > 12 million users onboarded to George across all markets, except PL − Overall digital sales share applying straight-through-process criteria reached for the first time 80%, supported by assisted digital sales and process optimisation initiatives 10 Retail loan growth driven by mortgage business Gross retail loans by product * Securities savings plans by country MACROECONOMIC AND BUSINESS UPDATE: RETAIL BUSINESS in thds, eop in EUR bn 77.4 19.1 10.7 6.4 Q3 25 79.1 19.0 10.8 6.5 6.5 Q1 26 82.2 19.8 11.0 6.7 Q2 26 83.1 19.8 Q4 25 6.7 Q3 26 19.3 10.8 80.2 113.6 115.4 116.8 119.6 120.7 11.1 +6.3% Other retail loans Commercial loans Consumer finance Housing finance Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 1,907 1,990 2,105 2,200 2,302 +20.7% Croatia Hungary Slovakia Romania Czech Republic Austria *) Figures comprise segments Retail and Savings Banks (retail products), excluding Erste Bank Polska
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Page Corporate loans grow at healthy clip − Net loans rise by 7.3% yoy and 1.6% qoq, primarily driven by Large Corporates and SME, underpinned by investment loans qoq and yoy; pipeline remains strong − Operating result up yoy, key revenue growth driver is NII, mainly benefitting from good volume growth and rising rates Double-digit growth in securities business, solid capital markets activities − Securities fees in Markets segment increased by 26% yoy both driven by increasing Treasury sales and Capital markets products with Retail as well as Institutional client base − ECM/DCM activities continue positive development: 256 mandates ytd (+8.5% yoy), co-arranged volumes at EUR 189bn (+9.2% yoy) Demand for asset management products intact − Assets under management inc EBP: EUR 120.3bn − EUR 3.9bn net sales ytd (inc retail and institutional business, ex EBP) − Sustainable funds (SFDR Art. 8 and 9) at EUR 47bn , account for ~41% of entire AuM portfolio − George business rolled-out in AT, RO and CZ and further expanding its product offering − Total of ~88,000 clients onboarded to George platform, up 28% yoy 11 Investment loans enjoy robust demand Net loan stock of Corporates segment* Operating result of Corporates & Markets segments MACROECONOMIC AND BUSINESS UPDATE: CORPORATES & MARKETS BUSINESS Q3 25 22.5 31.2 24.0 6.9 Q4 25 20.5 31.9 25.9 7.7 Q1 26 21.3 33.4 22.2 7.8 Q2 26 21.5 34.1 26.4 8.0 Q3 26 31.6 23.3 6.8 83.9 84.5 86.0 88.6 90.0 26.0 +7.3% Public sector Commercial Real Estate Large Corporates Small and Medium Enterprises 93 62 65 73 135 154 Q3 25 129 154 101 Q2 26 140 167 112 Q3 26 445 449 493 +10.8% in EUR m 136 182 155 Q3 25 Q2 26 Q3 26 +13.6% Corporates Markets Public sector Commercial Real Estate Large Corporates Small and Medium Enterprises in EUR bn *) From Q1 26 reclassification from SME to CRE of approx. EUR 1.5bn, excluding Erste Bank Polska
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Page EXECUTIVE SUMMARY 12 PRESENTATION TOPICS MACROECONOMIC AND BUSINESS UPDATE OPERATING TRENDS WHOLESALE FUNDING AND CAPITAL FINANCIAL OUTLOOK APPENDIX
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Page Loan growth remained strong in Q3 26 − Yoy growth (ex EBP) well balanced, with Retail segment volumes up by 7.1% and Corporates growing 7.3% − Qoq growth (ex EBP) higher in Corporates (+1.6%), Retail: +1.1% − CEE growth decelerated slightly in Q3 26, up 8.9% yoy (ex EBP) and 1.5% qoq on slower growth in HR and PL Q3 26 loan growth drivers − HU: yoy strong growth driven mainly by Retail (mortgages) and FX appreciation, qoq slowdown impacted by FX depreciation − CZ: yoy, qoq balanced growth in Retail (mainly housing loans) and Corporates segments − AT/OA: yoy, qoq increase in large corporate lending (well balanced between investment and working capital loans) − HR: yoy, qoq significantly higher growth in Retail (mortgages), while Corporate volumes slipped qoq − AT/SB: healthy yoy growth in both Retail and Corporate businesses 2026 net loan target upgraded to EUR > 290bn − Including Erste Bank Polska, with Poland exhibiting similar growth dynamics as CEE overall − Erste excluding Erste Bank Polska: 6 -8%, supported by continued healthy growth in CEE 13 Customer loan growth: +7.7% yoy (ex EBP), +1.7% qoq Net loan stock Growth rates OPERATING TRENDS: NET LOAN STOCK AND GROWTH (SEGMENT VIEW) 41.4PL CZ RO SK HU HR RS Other 228.0 282.7 287.4 43.4 43.8 44.4 61.5 63.8 64.5 23.8 27.0 28.1 41.9 47.7 51.1 51.9 13.4 13.9 14.3 20.7 21.2 21.6 6.3 8.1 8.2 Group 11.0 11.0 2.5 2.7 2.7 10.1 -1.4 -1.4 AT/EBOe AT/SB AT/OA -1.5 1.5% 1.1% 1.2% 1.6% 2.6% 1.8% 0.9% 2.4% 5.0% 8.7% 6.8% 4.2% 8.6% 7.6% 26.1% 2.1% 30.6% 1.7% 4.3% 18.4% -0.1% 30/09/25 30/06/26 30/09/26 in EUR bn Not meaningful QoQ YoY NA
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Page Erste Group benefits from favourable deposit mix – overweight retail, sight, local currency deposits Key Q3 26 deposit drivers − Core deposits (Retail, SME & Savings Banks) up 3.1% yoy, flat qoq − AT/OA: yoy increase driven by money market business − HU: yoy growth plus FX appreciation; qoq down on FX depreciation − SK: qoq rise driven by large financial institutions inflow − CZ: Retail stable qoq (FX-adjusted), Corporates up qoq and yoy 14 Customer deposit growth: +6.6% yoy (ex EBP), +0.1% qoq Customer deposits Growth rates OPERATING TRENDS: CUSTOMER DEPOSIT STOCK AND GROWTH (SEGMENT VIEW) AT/EBOe AT/SB AT/OA 59.3PL CZ RO SK HU HR RS Other 247.8 323.7 324.1 47.2 49.1 48.0 67.6 69.9 69.3 8.3 13.1 13.1 59.9 65.1 68.2 68.9 17.3 17.9 18.4 19.1 19.8 20.6 Group 11.6 11.3 13.7 13.4 14.1 8.9 2.8 2.9 -2.1 -1.6 -2.2 2.6 0.1% -2.2% -0.9% 0.9% 0.9% 2.6% 4.3% -3.2% 4.6% 4.1% 1.7% 2.6% 5.8% 6.0% 8.0% 2.9% 10.1% 30.8% 0.0% 56.8% 26.5% QoQ YoY in EUR bn 30/09/25 30/06/26 30/09/26 Not meaningful Deposits by clients * Deposits by currency 18% 7% 8% 66% Retail Corporate Public sector Other 30/09/26 30/09/26 *) Split by customer groups, not segments; Retail includes Savings Banks and their retail associated client groups; may contain rounding differences; EBP not included 64% 33% 2% 1% EUR LCY USD Other NA
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Page NII (ex EBP) exhibits strong momentum − NII (ex EBP) up 8.7% yoy with increase driven by AT, HU, CZ and HR, supported by loan growth & interest rate backdrop − NII up 5.9% qoq across all segments on loan growth, rising rates, broadly stable deposit cost and mix, as well as higher day count − NIM rose to 273 bps qoq; yoy increase supported by EBP inclusion Key NII drivers in Q3 26 − AT/EBOe: yoy, qoq driven by deposit and loan repricing − AT/SB: higher income from loans, while deposit costs remained low − PL: qoq uplift supported by lower FV amortisation (EUR 35m vs EUR 41m Q2 26) and non-recurrence of EUR 17m one-off − CZ: yoy, qoq up on higher loan volumes, higher income from loans and higher yields on debt securities, despite increased funding costs − HU: yoy, qoq increase on higher loan and debt securities volumes 2026 NII guidance confirmed at > EUR 11bn − Including Erste Bank Polska, despite amortisation of positive fair value adjustments on debt securities and derivatives of EUR ~1 70m, and lower interest income due to payout of EBP purchase price − Erste excluding Erste Bank Polska: upgrade to > 6% , on good volume momentum, supportive interest rate backdrop and strong pricing power 15 NII performance: +8.7% yoy (ex EBP), +5.9% qoq Net interest income Net interest margin * OPERATING TRENDS: NET INTEREST INCOME (NII) AND NET INTEREST MARGIN (NIM) 254 437 152 398 195 157 106 107 29 140 275 481 146 689 396 183 164 125 109 25 118 293 515 150 725 417 187 169 136 117 25 138 Group AT/EBOe AT/SB AT/OA PL CZ RO SK HU HR RS Other 1,975 2,713 2,872 2.42% 1.85% 2.21% 1.22% 1.99% 3.68% 2.44% 3.87% 3.16% 3.57% 2.64% 1.99% 2.33% 1.13% 4.15% 1.83% 3.19% 2.49% 3.62% 2.89% 2.89% 2.73% 2.08% 2.45% 1.13% 4.23% 1.93% 3.31% 2.53% 3.70% 3.03% 2.83% Q3 25 Q2 26 Q3 26 in EUR m Q3 25 Q2 26 Q3 26 Not meaningful *) Q1 26 Group and PL NIM calculated with quarter -end interest-bearing assets only.
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Page Net fee income by segment (inc EBP) Net fee income by fee type (inc EBP) 16 Key fee drivers in Q3 26 − Strong performance yoy and qoq (ex EBP) across all segments − Yoy (ex EBP) and qoq increase driven mainly by securities business (higher AuM and AuC volumes) as well as annual repricing of payment service fees − PL: qoq decline due to micro campaign, lower lending fees 2026 fee target confirmed: ~ EUR 4bn − Inc EBP, despite allocation of EBP FX fees to trading & FV result − Erste excluding Erste Bank Polska upgraded to ~ +10% Key long-term structural fee growth drivers − CEE wealth generation and less generous CEE pension systems drive higher demand for capital markets investments Net fee income performance: +10.7% yoy (ex EBP), +1.0% qoq OPERATING TRENDS: NET FEE AND COMMISSION INCOME 148 155 151 157 160 189 202 210 193 201 103 115 117 115 124 128 124 90132 150 140 143 153 62 69 60 63 73 61 60 66 67 68 92 97 94 101 102 8 10 7 8 8 38 -35 Q3 25 0 37 -44 Q4 25 29 Q2 26 35 -37 -39 Q3 26 30 Q1 26 -37 798 850 965 964 974 0 +22.0% Other RS HR HU SK RO CZ PL AT/OA AT/SB AT/EBOe 353 368 405 370 391 285 332 375 389 401 63 72 62 67 76 89 88 90 23 14 13 9 13 44 27 Q3 25 44 17 Q4 25 19 Q1 26 36 Q2 26 17 Q3 26 798 850 965 964 974 +1.0% Other Documentary fees Insurance products Lending business Securities Payment services in EUR m in EUR m
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Page Operating expenses by segment (inc EBP) Operating expenses by type (inc EBP) 17 Key cost drivers in Q3 26 − Yoy cost increase (ex EBP) mainly on higher personnel, IT expenses − Qoq decline on lower staff costs (lower share incentive expenses) and lower amortisation expenses (PL brand fully amortised in H1 26) − PL: includes EUR 49m of amortisation for customer stock as well as EUR 27m for integration costs, of which EUR 21m were booked locally 2026 cost guidance confirmed: ~ EUR 7bn (FX-adjusted) − Including Erste Bank Polska, despite intangibles amortisation (customer stock + brand) of EUR 240 million in 2026 and integration costs of up to EUR 180 million − Erste excluding Erste Bank Polska: ~ +3% , on lower wage increases (compared to 2025) and efficiency gains Operating expense performance: +2.4% yoy (ex EBP), -0.6% qoq OPERATING TRENDS: OPERATING EXPENSES 199 206 200 205 199 338 384 355 354 352 109 117 108 110 107 359 379 360255 267 269 258 253 120 129 111 122 128 99 98 96 90 78 88 95 91 94 70 78 72 72 70 25 31 25 27 28 116 51 Q3 25 Q4 25 1,362 1,515 1,771 1,766 1,756 90 77 79 74 Q3 26Q2 26Q1 26 +28.9% Other RS HR HU SK RO CZ PL AT/OA AT/SB AT/EBOe 824 886 974 1,002 998 139 147 241 244 230186 187 244 241 249 102 122 118 115 4 199 48 3 120 142 157 162 88 Q3 25 -6 Q4 25 Q1 26 Q2 26 2 Q3 26 1,362 1,515 1,771 1,766 1,756 -0.6% Residual other admin Deposit insurance contribution Office expenses IT expenses Depreciation and amortisation Personnel expenses in EUR m in EUR m
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Page Operating result (inc EBP) Cost/income ratio (inc EBP) 18 Key operating result drivers in Q3 26 − Record quarterly revenues (inc & ex EBP) supported by excellent core revenue print as well as normalised net trading & FV result − Strong cost control − Record operating result (inc & ex EBP) surpasses EUR 2.3bn and almost EUR 1.8bn, respectively 2026 CIR guidance confirmed at <45% − Including Erste Bank Polska, despite PL intangibles amortisation and integration costs − Erste excluding Erste Bank Polska: upgraded to <46% on positive operating leverage Record operating result: +15.0% yoy (ex EBP), +2.7% qoq OPERATING TRENDS: OPERATING RESULT AND COST/INCOME RATIO (CIR) 2021 2022 2023 2024 2025 55.6 53.4 47.6 47.2 47.9 46.7 Q3 25 49.3 Q4 25 45.0 Q1 26 43.9 Q2 26 43.1 Q3 26 G26: < 45 % in EUR m 216 257 227 265 263 313 306 330 343 371 171 166 166 205 192 542 541 526 317 335 315 328 365 159 158 159 160 162 137 131 143 145 155 138 133 121 194 136 81 74 73 89 16 14 13 12 10 10 46 Q3 25 Q4 25 78 Q1 26 -13 Q2 26 Q3 26 1,556 1,557 2,167 2,254 2,316 -18 76 +48.8% Other RS HR HU SK RO CZ PL AT/OA AT/SB AT/EBOe in %
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Page Risk costs by segment1 (inc EBP) Risk cost ratio1 (inc EBP) 19 Key risk costs drivers in Q3 26 − Generally good credit risk backdrop in CEE and AT − New allocations mainly in AT (corporate business); net allocations to Retail overall were minor; moderate provisioning in CEE − AT was main beneficiary of release of industry overlays in total amount of EUR 71m, while negatively affected by allocation to FLI provisions in total amount of EUR 25m 2026 guidance confirmed at 25-30bps − Including Erste Bank Polska, adjusted for EUR 302m one -off IFRS9 ECL provision in Q1 26 (net impact: EUR -120 million) − Erste excluding Erste Bank Polska: 20 -25bps − EUR 352m of primarily FLI provisions available for macro deterioration, no net releases expected in 2026 Risk costs (inc EBP) remain moderate OPERATING TRENDS: CREDIT RISK/RISK COSTS 2021 2022 2023 2024 2025 9 15 6 18 21 24 Q3 25 27 Q4 25 682 Q1 26 20 Q2 26 24 Q3 26 1) A positive (absolute) figure denotes a net allocation, a negative figure denotes a net release. The risk cost ratio is calculated as annualised quarterly impairment result of financial instruments over average gross customer loans. 2) Includes one-off EBP ECL provision of EUR 302m (47bps) in EUR m Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 136 159 439 144 170 Other RS HR HU SK RO CZ PL AT/OA AT/SB AT/EBOe in bps
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Page 20 NPL ratio and NPL coverage improve slightly qoq − PL: lower EBP NPL ratio than locally reported due to fair valuing portfolio at first-time consolidation − Broadly stable asset quality parameters at excellent levels qoq, including in Austria − NPL coverage up qoq as provisioning outpaces net NPL inflows 2026 asset quality guidance confirmed − NPL ratio broadly unchanged, including and excluding EBP − NPL coverage excluding collateral slightly lower (EBP impact) Gross loans by stages IFRS 9 stage coverage Asset quality stable across the board OPERATING TRENDS: CREDIT RISK/ASSET QUALITY NPL ratio NPL coverage ratio 2.5 2.5 3.6 1.0 1.6 3.7 2.1 1.7 2.8 2.2 2.3 2.2 3.7 0.9 2.2 1.6 2.9 2.3 1.4 2.6 2.0 2.3 2.3 3.6 0.7 2.2 1.6 2.8 2.4 1.4 2.5 2.2 Group AT/EBOe AT/SB AT/OA PL CZ RO SK HU HR RS Other 73.7 48.0 57.3 48.7 101.9 127.2 89.9 127.8 92.5 106.0 68.4 53.1 53.5 42.8 48.7 98.2 132.6 81.0 123.6 96.5 110.3 68.8 51.7 54.3 52.7 53.5 100.0 128.1 74.6 117.2 97.3 93.6 30/09/25 30/06/26 30/09/26 in % 30/09/25 30/06/26 30/09/26 Not meaningfulNot meaningful in % 3.9 44.7 50.1 Q3 25 4.0 42.4 50.8 Q4 25 4.0 42.9 49.0 Q1 26 4.0 43.4 51.5 Q2 26 4.4 43.6 51.2 Q3 26 Stage 2 Stage 3 NPL collateralization 14% 12% 13% 12% 11% 2% 2% 2% 2% 2% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 232.2 236.0 280.1 287.3 292.0 in %in EUR bn
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Page Other result by segment (inc EBP) Other result by accounting categories (inc EBP) 21 Key other result drivers in Q3 26 − Yoy deterioration (exc EBP) exclusively driven by EUR 77m positive one-off in Q3 25 (release of legal provision in RO) − Qoq deterioration due to prolongation of mortgage interest rate cap in HU (EUR 38m) and FX legal provisions in PL (EUR 32m), partly offset by EUR 48m real estate selling gain in AT/OA Other result (ex EBP) down yoy on positive one-off in Q3 25 OPERATING TRENDS: OTHER RESULT Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 -25 24 -195 -138 -162 Other RS HR HU SK RO CZ PL AT/OA AT/SB AT/EBOe -251 -88 -141 -138 -87 0 Q3 25 0 Q4 25 -13 Q1 26 0 Q2 26 0 Q3 26 -25 24 -195 -138 -162 Other Result from other operating expenses/income Resolution fund contributions Banking levies Net other provisions Derecognition of financial instruments in EUR m in EUR m
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Page Net result by segment (inc EBP) EPS & ROTE (inc EBP) 22 Key net profit drivers in Q3 26 − Record operating income, good cost control − Continued moderate risk costs and stable asset quality − Offsetting one-offs in other result − ROTE benefits from lack of AT1 coupon payments in Q3 26 2026 ROTE target confirmed at >20% − Consolidation of Erste Bank Polska supports higher ROTE target 2026 EPS uplift confirmed at >20% − Based on reported net profit adjusted for extraordinary items in 2025 of EUR 3.3bn in 2025 vs reported net profit EUR >4bn in 2026e ROTE climbs to 23.8% amid record bottom line OPERATING TRENDS: NET RESULT, EARNINGS PER SHARE (EPS) & RETURN ON TANGIBLE EQUITY (ROTE) 2.20 2.11 2.15 2.48 2.74 18.0% Q3 25 16.0% Q4 25 18.1% Q1 26 22.1% Q2 26 23.8% Q3 26 Return on tangible equity Earnings per share Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 901 944 879 1,096 1,121 +24.4% Other RS HR HU SK RO CZ PL AT/OA AT/SB AT/EBOe in EUR m in EUR
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Page EXECUTIVE SUMMARY 23 PRESENTATION TOPICS MACROECONOMIC AND BUSINESS UPDATE OPERATING TRENDS WHOLESALE FUNDING AND CAPITAL FINANCIAL OUTLOOK APPENDIX
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Page Liabilities and equity 24 Debt securities Interbank deposits Comments Highly granular and well- diversified Retail & SME deposit base is key source of long-term funding Increase in debt securities − Covered bonds − Local (MREL) as well as holding issuance of senior unsecured bonds Vast retail deposit base provides competitive funding advantage WHOLESALE FUNDING AND CAPITAL: ISSUED DEBT AND INTERBANK FUNDING 16.9 253.0 54.9 34.7 31/12/25 20.8 324.1 61.3 41.9 30/09/26 368.6 462.5 Equity Miscellaneous liabilities Debt securities Customer deposits Bank deposits Trading liabilities 5.5 6.3 18.8 4.2 18.9 31/12/25 5.7 4.7 24.6 5.7 19.5 30/09/26 54.9 61.3 Public sector CBs Mortgage CBs Other CDs, name cert’s Certificates of deposit Senior unsec. bonds Senior non-preferred bonds Sub debt 2.6 10.9 3.4 31/12/25 3.5 11.1 6.1 30/09/26 16.9 20.8 Repurchase agreements Term deposits Deposits repayable on demand in EUR bn in EUR bnin EUR bn
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Page 25 Further benchmark deals across the group concluded the 2026 funding plan early − Erste Group issued its first EUR 1.5bn dual -tranche in senior preferred format in September 2026 by combining a 3y and a 7y bull et structure with combined peak books surpassing EUR 4.5bn (MS+37bps and MS+70bps, respectively) − Erste Bank Hungary was active in the senior preferred segment, issuing a EUR 500m 6NC5 note (MS+110bps) − In the covered bond space Česká spořitelna extended its funding curve by printing a 5.25y mortgage covered bond (MS+30bps) after its inaugural trade in Q1 26 2026 funding targets already fulfilled by Q3 26 WHOLESALE FUNDING AND CAPITAL: LONG TERM FUNDING Maturity profile of debt 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038+ 1.2 10.6 6.4 7.9 8.5 8.3 3.8 2.4 1.0 1.4 0.2 0.8 0.2 Senior unsec. bonds Senior non-preferred bonds Covered bonds Tier 2 Debt CEE & EBOe in EUR bn
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Page Basel 3 capital (phased-in) Risk-weighted assets (phased-in) 26 CET 1 capital slightly down qoq on non-inclusion of Q3 26 interim profit, minor OCI impact − Deterioration in OCI mainly driven by negative currency translation effect; small impact fair value changes of debt securities Capital stable, risk-weighted assets up on method effect WHOLESALE FUNDING AND CAPITAL: REGULATORY CAPITAL AND RISK-WEIGHTED ASSETS (RWA) 26.4 3.5 4.8 30/09/25 28.5 3.5 4.5 31/12/25 26.5 3.7 5.5 31/03/26 28.5 3.7 5.1 30/06/26 28.2 3.7 5.1 30/09/26 34.8 36.5 35.8 37.3 37.1 -0.7% CET1 AT1 Tier 2 125.0 21.1 5.0 30/09/25 120.6 22.3 4.6 31/12/25 150.3 27.5 5.8 31/03/26 153.7 27.5 5.8 30/06/26 158.7 27.5 6.7 30/09/26 151.1 147.5 183.5 186.9 192.8 +3.2% Credit Operational Market in EUR bn in EUR bn RWA increase driven by credit RWAs − Increase in credit RWA by EUR 5.0bn qoq, thereof one-off EUR 3.0bn method effect − Business effect (volume growth) partially offset by portfolio effects (net rating upgrades, migrations to default, LGD changes) − Market risk RWAs up qoq mainly on structural FX
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Page CET 1 ratio development Basel 3 capital ratios (reported, phased-in) 27 Pro-forma CET1 ratio impacted by RWA increase, mainly driven by one-off method effect − Profit inclusion offset by high dividend accrual and RWA inflation ( inc one-off method effect amounting to approx. 24bps) − Deduction of pro-rata dividend based on upper end of 40-50% payout ratio, but flexibility maintained to allow for more profitabl e capital deployment options CET1 target ratio confirmed at >14.25% Pro-forma CET1 ratio at 15.0% WHOLESALE FUNDING AND CAPITAL: COMMON EQUITY TIER 1 (CET1), TIER 1 AND TOTAL CAPITAL RATIOS 4.55 EBP impact after EBP consolidation 0.90 1.70 Profit Risk costs and NPE backstop 0.31 19.34 14.79 15.00 0.03 Minori- ties 0.15 CET1 other Pro- forma Q3 26 ∆ RWA OCI 0.20 Divi- dend accrual & AT1 coupons 0.88 YE 25 17.5 15.2 14.6 19.8 21.7 17.2 16.6 23.0 24.8 20.0 19.2 Q3 25 Q4 25 14.4 Q1 26 Q2 26 Q3 26 19.3 16.5 19.5 CET1 Tier 1 Total capital in % in %
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Page EXECUTIVE SUMMARY 28 PRESENTATION TOPICS MACROECONOMIC AND BUSINESS UPDATE OPERATING TRENDS WHOLESALE FUNDING AND CAPITAL FINANCIAL OUTLOOK APPENDIX
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Page 29 2026 outlook: another round of upgrades FINANCIAL OUTLOOK (2026) Risk factors to guidance − Political, regulatory, geopolitical, economic, health and competition risks, also non-financial and legal risks − Indirect effects from international (military) conflicts, such as the Russia/Ukraine war or in the mid-east region, prolonged supply chain disruptions, additional shock on energy prices and/or supply, deterioration of investment and consumption appetite − Economic downturn may put goodwill at risk Erste ex EBP Erste inc EBP (in EUR) Key assumptions/additional comments Real GDP ~ +1-3% ~ +1-4% Superior CEE GDP growth trajectory is key pillar of Erste Loans +6-8% > 290bn Supported by robust growth dynamics across the CEE region NII > 6% > 11bn Volume growth & higher interest rates Fees ~ +10% ~ 4bn Strong traction in securities and payment fees Costs ~ +3% ~ 7bn Moderate cost growth, despite intangibles amortisation (FX adjusted) CIR < 46% < 45% Positive operating jaws to drive CIR down, despite integration costs Risk costs 20-25 bps 25-30 bps Continued good performance, exc EBP-related ECL provisions of EUR 302m (gross) ROTE > 20% Reflects strong business momentum and Erste Bank Polska contribution EPS uplift > 20% Reported 2026e net profit of > EUR 4bn vs adjusted 2025 net profit (EUR 3.3bn)
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Page EXECUTIVE SUMMARY 30 PRESENTATION TOPICS MACROECONOMIC AND BUSINESS UPDATE OPERATING TRENDS WHOLESALE FUNDING AND CAPITAL FINANCIAL OUTLOOK APPENDIX: ERSTE GROUP BASICS, ERSTE GROUP DETAILED FINANCIALS & ERSTE GROUP ESG PROFILE
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Page 31 Banking leadership in Central and Eastern Europe (1) APPENDIX: ERSTE GROUP‘S GEOGRAPHIC FOOTPRINT http://upload.wikimedia.org/wikipedia/commons/thumb/c/cb/Flag_of_the_Czech_Republic.svg/125px-Flag_of_the_Czech_Republic.svg.png http://upload.wikimedia.org/wikipedia/commons/thumb/e/e6/Flag_of_Slovakia.svg/125px-Flag_of_Slovakia.svg.png http://upload.wikimedia.org/wikipedia/commons/thumb/c/c1/Flag_of_Hungary.svg/125px-Flag_of_Hungary.svg.png http://upload.wikimedia.org/wikipedia/commons/thumb/7/73/Flag_of_Romania.svg/125px-Flag_of_Romania.svg.png http://upload.wikimedia.org/wikipedia/commons/thumb/1/1b/Flag_of_Croatia.svg/125px-Flag_of_Croatia.svg.png http://upload.wikimedia.org/wikipedia/commons/thumb/f/ff/Flag_of_Serbia.svg/125px-Flag_of_Serbia.svg.png http://upload.wikimedia.org/wikipedia/commons/thumb/4/41/Flag_of_Austria.svg/125px-Flag_of_Austria.svg.png AT CZ SK HU ROHR RS SI BIH MN MK Czech Republic Customers: 4.6m Employees: 9,080 Branches: 317 Retail loan share: 26.9% Retail deposit share: 23.2% Slovakia Customers: 1.9m Employees: 3,436 Branches: 124 Retail loan share: 23.8% Retail deposit share: 27.7% Hungary Customers: 1.2m Employees: 3,455 Branches: 97 Retail loan share: 12.1% Retail deposit share: 11.3% Romania Customers: 3.0m Employees: 4,872 Branches: 282 Retail loan share: 16.8% Retail deposit share: 12.4% Austria Customers: 4.4m Employees: 16,697 Branches: 712 Retail loan share: 22.5% Retail deposit share: 24.8% Croatia Customers: 1.4m Employees: 3,032 Branches: 124 Retail loan share: 16.4% Retail deposit share: 14.7% Serbia Customers: 0.5m Employees: 1,276 Branches: 89 Retail loan share: 5.9% Retail deposit share: 5.5% Erste Group Customers: 23.2m Employees: 54,959 Branches: 2,050 Leading retail and corporate bank in 8 geographically connected core markets Favourable mix of mature & emerging markets with low penetration rates Potential for cross selling and organic growth in CEE Employees: FTEs as of end of reporting period (The presented FTE data per country exclude FTEs outside Erste Group’s core markets in Austria and CEE as well as FTEs of specific services entities not located in Austria) Core markets Indirect presence Poland Customers: 6.2m Employees: 9.944 Branches: 305 Retail loan share: 10.6% Retail deposit share: 9.2% PL Market shares for Austria are not yet available as of 30/09/2026
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Page 32 Banking leadership in Central and Eastern Europe (2) APPENDIX: ERSTE GROUP STRATEGY Retail banking Corporate banking Capital markets Public sector Interbank business Eastern part of EU Focus on CEE, limited exposure to other Europe Acting as financial health advisor for the people in our region Support customers to build up and secure wealth Active management of customer journeys to increase customer satisfaction and profitability Focus on customer business, including customer-based trading activities In addition to core markets, presences in Germany, New York and Hong Kong with institutional client focus and selected product mix Building debt and equity capital markets in CEE Financing sovereigns and municipalities with focus on infrastructure development in core markets Any sovereign holdings are held for market-making, liquidity or balance sheet management reasons SME and large corporate banking Advisory services, with focus on providing access to capital markets and corporate finance Transaction banking services (trade finance, factoring, leasing) Commercial real estate business Focus on banks that operate in the core markets Any bank exposure is only held for liquidity or balance sheet management reasons or to support client business Developing innovative financial health propositions Driving efficiency through digitisation Providing everyone with access to financial expertise and financial advice Expanding through organic and inorganic growth Building a distinctive brand identity
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Page From adjusted 2025 EPS baseline of EUR 7.72 (reported EUR 8.24) to > EUR 15 in 2030 − Based on 2025 reported net profit of EUR 3,510m adjusted for AT1 dividend (EUR 139m) and net positive one -offs in other operating result after tax (EUR 213m); weighted average undiluted number of outstanding shares in 2025: 408.9m Erste Group targets 2025-2030 EPS CAGR of ~15%, ROTE > 20% throughout forecast period − Sustainable organic growth in lending, deposit taking and asset management − Inorganic optionality in Poland and across Central Europe − Better operating efficiency driven by larger scale − Continued solid credit risk environment − Meaningful capital return including regular dividend payments and share buybacks Erste Group enters new growth phase triggered by acquisition of No. 3 bank in Poland − Similar to growth phase ushered in by initial acquisition of 52.1% shareholding in Ceska sporitelna in 1999/2000 − In Poland Erste Group acquired a 49% controlling shareholding in third largest local bank; transaction closed in January 2026 Erste Group raises the bar for financial performance − Setting medium-term financial targets will further increase focus and discipline in strategy execution − All assumptions predicated on: similar positive interest-rate environment as prevailing at the time of initial publication end of July 2026, reasonably stable geopolitical situation over forecast horizon, no material increase in the banking levy, regulatory and gene ral tax burden 33 Erste Group aims to double EPS by 2030, targets EPS CAGR of ~15% APPENDIX: DEFINITION OF MEDIUM-TERM FINANCIAL AMBITION
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Page Gross retail loans 34 Retail deposits Gross corporate loans Corporate deposits Commanding market shares across the CEE region APPENDIX: MARKET SHARES 22.1% 10.7% 26.9% 24.8% 17.3% 11.7% 16.2% 6.7% 22.6% 10.6% 26.9% 24.0% 17.3% 12.1% 16.3% 6.0% 10.6% 26.9% 23.8% 16.8% 12.1% 16.4% 5.9% AT PL CZ SK RO HU HR RS 30/09/25 30/06/26 30/09/26 24.7% 9.5% 23.9% 27.6% 12.4% 10.7% 15.1% 5.4% 24.8% 9.3% 23.4% 27.7% 12.4% 11.3% 14.7% 5.5% 9.2% 23.3% 27.7% 12.4% 10.6% 14.7% 5.5% AT PL CZ SK RO HU HR RS 24.9% 12.5% 23.5% 20.8% 11.9% 6.0% 20.6% 7.6% 25.1% 12.4% 22.0% 21.0% 11.4% 6.4% 20.5% 7.6% 12.5% 22.4% 21.2% 11.5% 6.4% 20.7% 7.6% AT PL CZ SK RO HU HR RS 22.4% 9.7% 14.9% 16.9% 11.8% 7.0% 21.4% 7.3% 22.9% 10.4% 16.7% 14.8% 11.7% 7.5% 20.4% 6.4% 10.5% 16.5% 15.3% 12.4% 7.6% 20.4% 6.6% AT PL CZ SK RO HU HR RS 30/09/25 30/06/26 30/09/26 Market shares for Austria are not yet available as of 30/09/2026
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Page 35 Strong track record of profitability APPENDIX: ERSTE GROUP FINANCIALS/PROFIT AND LOSS ACCOUNT in EUR million 1-9 25 1-9 26 YOY-Δ Q3 25 Q2 26 Q3 26 YOY-Δ QOQ-Δ Net interest income 5,761.0 8,258.4 43.4% 1,974.6 2,712.6 2,872.0 45.5% 5.9% Interest income 10,444.3 12,772.1 22.3% 3,406.9 4,275.3 4,417.1 29.7% 3.3% Other similar income 2,190.8 2,195.2 0.2% 693.7 697.1 802.6 15.7% 15.1% Interest expenses -4,717.7 -4,749.1 0.7% -1,453.7 -1,591.5 -1,684.8 15.9% 5.9% Other similar expenses -2,156.4 -1,959.8 -9.1% -672.2 -668.3 -662.9 -1.4% -0.8% Net fee and commission income 2,340.1 2,902.8 24.0% 798.4 964.1 974.1 22.0% 1.0% Fee and commission income 2,799.9 3,634.8 29.8% 961.4 1,207.3 1,250.8 30.1% 3.6% Fee and commission expenses -459.8 -732.0 59.2% -163.0 -243.2 -276.7 69.8% 13.8% Dividend income 31.8 53.8 69.5% 2.9 41.2 8.8 >100.0% -78.7% Net trading result 230.6 423.1 83.5% 89.8 262.4 -0.5 n/a n/a Gains/losses from financial instruments measured at fair value through profit or loss 57.6 195.2 >100.0% -1.8 -28.6 155.6 n/a n/a Net result from equity method investments 33.3 54.2 62.7% 9.9 20.5 14.7 49.1% -28.4% Rental income from investment properties & other operating leases 132.5 143.0 7.9% 44.7 47.8 47.1 5.3% -1.5% Personnel expenses -2,448.5 -2,974.8 21.5% -824.1 -1,002.1 -998.3 21.1% -0.4% Other administrative expenses -1,206.5 -1,602.9 32.9% -398.7 -519.4 -527.6 32.3% 1.6% Depreciation and amortisation -413.1 -715.4 73.2% -139.5 -244.3 -230.2 65.0% -5.8% Gains/losses from derecognition of financial assets measured at amortised cost -23.4 -5.8 -75.4% -10.3 -2.0 -0.4 -95.8% -78.7% Other gains/losses from derecognition of financial instruments not measured at fair value through profit or loss 12.3 5.7 -53.8% 14.0 0.0 4.0 -71.7% >100.0% Impairment result from financial instruments -318.5 -752.9 >100.0% -136.5 -143.6 -170.0 24.6% 18.4% Other operating result -211.5 -495.2 >100.0% -28.6 -136.2 -165.4 >100.0% 21.5% Levies on banking activities -283.9 -529.4 86.5% -86.9 -140.7 -137.9 58.7% -2.0% Pre-tax result from continuing operations 3,977.7 5,489.3 38.0% 1,394.9 1,972.5 1,983.9 42.2% 0.6% Taxes on income -815.4 -1,317.4 61.6% -285.9 -465.7 -476.1 66.5% 2.2% Net result for the period 3,162.3 4,171.9 31.9% 1,108.9 1,506.8 1,507.7 36.0% 0.1% Net result attributable to non-controlling interests 596.5 1,076.5 80.5% 207.8 410.7 387.1 86.3% -5.7% Net result attributable to owners of the parent 2,565.8 3,095.3 20.6% 901.1 1,096.1 1,120.7 24.4% 2.2% Operating income 8,586.9 12,030.5 40.1% 2,918.5 4,020.1 4,071.8 39.5% 1.3% Operating expenses -4,068.1 -5,293.1 30.1% -1,362.3 -1,765.8 -1,756.0 28.9% -0.6% Operating result 4,518.8 6,737.5 49.1% 1,556.2 2,254.3 2,315.8 48.8% 2.7% Year-to-date view Quarterly view
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Page 36 Strong balance sheet dominated by customer loans APPENDIX: ERSTE GROUP FINANCIALS/BALANCE SHEET/ASSETS in EUR million Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 YOY-Δ YTD-Δ QOQ-Δ Cash and cash balances 25,345 27,573 26,850 23,757 22,299 -12.0% -19.1% -6.1% Financial assets held for trading 7,911 9,377 12,042 13,189 12,830 62.2% 36.8% -2.7% Derivatives 948 829 2,582 2,890 2,278 >100.0% >100.0% -21.2% Other financial assets held for trading 6,963 8,548 9,460 10,299 10,553 51.6% 23.5% 2.5% Non-trading financial assets at fair value through profit and loss 3,305 3,833 3,985 4,503 4,650 40.7% 21.3% 3.3% Equity instruments 500 523 545 582 593 18.6% 13.5% 2.0% Debt securities 1,507 1,786 1,714 1,749 1,787 18.6% 0.1% 2.2% Loans and advances to customers 1,298 1,524 1,727 2,172 2,269 74.9% 48.9% 4.5% Financial assets at fair value through other comprehensive income 9,093 9,181 17,186 17,634 16,029 76.3% 74.6% -9.1% Equity instruments 105 113 228 223 269 >100.0% >100.0% 20.7% Debt securities 8,989 9,068 16,069 16,493 14,934 66.1% 64.7% -9.5% Loans and advances to customers 0 0 889 918 825 n/a n/a -10.1% Financial assets at amortised cost 300,814 301,707 361,867 373,196 378,484 25.8% 25.4% 1.4% Debt securities 58,217 58,655 75,579 79,590 81,031 39.2% 38.1% 1.8% Loans and advances to banks 23,965 20,827 26,382 27,811 26,793 11.8% 28.6% -3.7% Loans and advances to customers 218,632 222,225 259,906 265,795 270,660 23.8% 21.8% 1.8% Finance lease receivables 5,306 5,290 7,794 7,907 7,883 48.6% 49.0% -0.3% Hedge accounting derivatives 194 231 552 554 614 >100.0% >100.0% 10.9% Fair value changes of hedged items in portfolio hedge of interest rate risk -33 -64 -105 -65 -215 >100.0% >100.0% >100.0% Property and equipment 2,802 2,941 3,220 3,265 3,320 18.5% 12.9% 1.7% Investment properties 1,837 1,913 1,970 1,950 1,907 3.8% -0.3% -2.2% Intangible assets 1,390 1,413 5,915 5,857 5,752 >100.0% >100.0% -1.8% Investments in associates and joint ventures 397 465 797 778 784 97.5% 68.4% 0.7% Current tax assets 74 84 109 113 129 75.8% 53.9% 14.7% Deferred tax assets 223 171 215 219 241 7.8% 40.9% 9.8% Assets held for sale 256 211 190 158 183 -28.8% -13.5% 15.9% Trade and other receivables 2,742 2,946 5,314 5,912 5,794 >100.0% 96.7% -2.0% Other assets 1,194 1,301 2,125 2,210 1,785 49.4% 37.2% -19.2% Total assets 362,851 368,574 450,027 461,137 462,468 27.5% 25.5% 0.3% Quarterly data Change
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Page 37 Liabilities dominated by retail deposits APPENDIX: ERSTE GROUP FINANCIALS/BALANCE SHEET/ EQUITY AND LIABILITIES in EUR million Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 YOY-Δ YTD-Δ QOQ-Δ Financial liabilities held for trading 2,538 2,412 4,975 4,732 4,660 83.6% 93.2% -1.5% Derivatives 1,146 1,092 3,121 3,264 2,745 >100.0% >100.0% -15.9% Other financial liabilities held for trading 1,393 1,321 1,854 1,468 1,915 37.5% 45.0% 30.5% Financial liabilities at fair value through profit or loss 10,194 9,857 9,503 9,706 10,033 -1.6% 1.8% 3.4% Deposits from customers 162 174 180 172 173 7.2% -0.4% 0.9% Debt securities issued 9,883 9,268 8,912 9,083 9,397 -4.9% 1.4% 3.5% Other financial liabilities 149 415 411 451 462 >100.0% 11.5% 2.5% Financial liabilities at amortised cost 310,326 316,168 386,515 396,225 398,090 28.3% 25.9% 0.5% Deposits from banks 15,830 16,919 19,658 21,191 20,770 31.2% 22.8% -2.0% Deposits from customers 247,649 252,817 314,592 323,481 323,958 30.8% 28.1% 0.1% Debt securities issued 45,952 45,604 50,979 49,830 51,921 13.0% 13.9% 4.2% Other financial liabilities 896 829 1,286 1,723 1,442 60.9% 73.9% -16.3% Lease liabilities 701 721 844 847 863 23.2% 19.7% 1.9% Hedge accounting derivatives 194 170 183 166 271 39.3% 58.8% 62.9% Fair value changes of hedged items in portfolio hedge of interest rate risk 0 0 0 0 0 0.0% 0.0% 0.0% Provisions 1,586 1,416 2,352 2,227 2,113 33.3% 49.3% -5.1% Current tax liabilities 300 323 512 546 406 35.0% 25.6% -25.7% Deferred tax liabilities 42 52 450 523 558 >100.0% >100.0% 6.7% Liabilities associated with assets held for sale 98 84 6 2 4 -95.8% -95.2% 94.6% Other liabilities 3,108 2,706 4,378 4,473 3,598 15.8% 33.0% -19.5% Total equity 33,763 34,665 40,308 41,691 41,873 24.0% 20.8% 0.4% Equity attributable to non-controlling interests 8,168 8,367 13,457 13,216 13,389 63.9% 60.0% 1.3% Additional equity instruments 3,682 3,479 3,479 4,225 3,480 -5.5% 0.0% -17.6% Equity attributable to owners of the parent 21,913 22,819 23,372 24,250 25,004 14.1% 9.6% 3.1% Subscribed capital 821 821 821 821 821 0.0% 0.0% 0.0% Additional paid-in capital 1,516 1,516 1,516 1,516 1,516 0.0% 0.0% 0.0% Retained earnings and other reserves 19,575 20,481 21,035 21,913 22,667 15.8% 10.7% 3.4% Total liabilities and equity 362,851 368,574 450,027 461,137 462,468 27.5% 25.5% 0.3% Quarterly data Change
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Page 38 Reconciliation of quarterly results: reported vs. pro-forma Q3 26 * APPENDIX: ERSTE GROUP FINANCIALS/PROFIT AND LOSS ACCOUNT * EBP figures used for this calculation are equal to segment EBP in EUR million Q1 25 Q2 25 Q3 25 Q1 26 pro-forma excl. EBP Q2 26 pro-forma excl. EBP Q3 26 pro-forma excl. EBP 1-9 26 pro-forma vs 1-9 25 Net interest income 1,872 1,914 1,975 1,993 2,023 2,147 8.7% 7.0% Net fee and commission income 780 762 798 837 840 884 10.7% 9.5% Dividends 3 26 3 4 28 8 >100% 25.4% Net trading result 47 94 90 77 179 -64 n/a -17.2% Gains/losses from financial instruments measured at FVPL 50 10 -2 68 -29 156 n/a >100% Net result from equity method investments 7 16 10 13 12 9 -8.9% 1.3% Rental income 43 45 45 46 46 46 2.0% 4.4% General administrative expenses -1,345 -1,361 -1,362 -1,413 -1,386 -1,396 2.4% 3.1% Gains/losses not FVPL -6 -9 4 1 -2 1 -82.3% -96.4% Risk costs -85 -97 -136 -104 -116 -144 5.7% 14.6% Other operating result -184 1 -29 -108 -103 -97 >100% 46.3% thereof banking levies -121 -76 -87 -201 -92 -88 1.8% 34.5% Pre-tax result 1,182 1,400 1,395 1,413 1,492 1,548 11.0% 12.0% Taxes on income -242 -287 -286 -297 -304 -325 13.6% 13.5% Net result for the period 940 1,113 1,109 1,117 1,188 1,223 10.3% 11.6% Net result attributable to non-controlling interests 197 192 208 262 251 245 18.1% 27.1% Net result attributable to owners of the parent 743 921 901 855 937 978 8.5% 7.9% Operating income 2,802 2,866 2,919 3,038 3,100 3,185 9.1% 8.6% Operating expenses -1,345 -1,361 -1,362 -1,413 -1,386 -1,396 2.4% 3.1% Operating result 1,458 1,505 1,556 1,625 1,714 1,789 15.0% 13.5% Cost/income ratio 48.0% 47.5% 46.7% 46.5% 44.7% 43.8% Mar 25 Jun 25 Sep 25 Mar 26 pro-forma Jun 26 pro- forma Sep 26 pro- forma Net customer loans 220,069 223,983 227,978 235,517 241,269 245,511 Customer deposits 246,149 248,499 247,811 260,990 264,327 264,271 Q3 26 pro-forma vs Q3 25
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Page 39 Capital requirements for 2026 slightly up on higher buffers APPENDIX: REGULATORY CAPITAL POSITION/REQUIREMENT (SREP – SUPERVISORY REVIEW AND EVALUATION PROCESS) Buffer to MDA restriction as of 30 Sep 2026: 269 bps Available distributable items (ADI) as of 30 Sep 2026: EUR 8.9bn (post expected dividend for the fiscal year 2026); based on CRR II, which allows additional own funds components to be included, ADIs are at EUR 11.3bn 1. Planned values based on Q3 2026 exposure. 2. As of end of May 2021 Art. 70b (7) ABA applies using P2R according to the capital stack: 56.25% for CET1 capital and 75% for Tier 1 capital. The overall P2R increased from 1.90% to 2.00% as of 1.1.2025. 3. Consolidated capital ratios pursuant to IFRS on phased -in basis. Unconsolidated capital ratios pursuant to IFRS as of June 2026. ADIs pursuant to Austrian Commercial Code (UGB). 4. Implemented as of 1.7.2025 with a buffer of 1%, 2% from 1.7.2026; YE'26 estimate based on Q3 26 exposure. YE 2024 YE 2025 Q3 2026 YE 2026 YE 2024 YE 2025 Q3 2026 YE 2026 Pillar 1 CET1 requirement 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% Combined buffer requirement 5.63% 6.03% 6.31% 6.32% 5.32% 5.46% 5.80% 5.81% Capital conservation buffer (CCB) 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% Countercyclical capital buffer (CCyB) 1) 0.63% 0.70% 0.93% 0.94% 0.57% 0.69% 1.01% 1.02% OSII buffer 1.50% 1.75% 1.75% 1.75% 1.75% 1.75% 1.75% 1.75% Systemic risk buffer (SRB) 1.00% 1.00% 1.00% 1.00% 0.50% 0.50% 0.50% 0.50% sectoral Systemic risk buffer for CRE (sSRB)4) 0.08% 0.13% 0.13% 0.02% 0.03% 0.03% Pillar 2 CET1 requirement (P2R) 2) 1.07% 1.13% 1.13% 1.13% 1.07% 1.13% 1.13% 1.13% Pillar 2 CET1 guidance (P2G) 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% Regulatory minimum ratios excluding P2G CET1 requirement 11.19% 11.65% 11.94% 11.94% 10.89% 11.08% 11.42% 11.43% Regulatory minimum ratios including P2G CET1 requirement 12.19% 12.65% 12.94% 12.94% 11.89% 12.08% 12.42% 12.43% Reported CET1 ratio as of September 2026 14.63% 30.00% 3) Erste Group Consolidated Erste Group Unconsolidated
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Page 40 APPENDIX: MULTIPLE POINT OF ENTRY (MPE) RESOLUTION STRATEGY MREL compliance at point of entry level (bail-in) & local subs & local subs & local subs & local subs & local subs & Savings Banks + other subs Erste Group Bank AG Česká spořitelna Erste Bank Polska Banca Comercială Română Slovenská sporiteľňa Erste Bank Croatia Erste Group follows an MPE resolution strategy with each resolution entity issuing its external MREL debt 100% 69.3%**49%* 100% 99.9% & local subs Erste Bank Hungary 100% Resolution Groups*** * Erste Bank Polska: direct stake of 49% ** Erste Bank Croatia: direct stake of 59%; indirect stake through Steiermärkische Sparkasse *** Banka Sparkasse dd, Slovenia: direct stake of 4%; indirect stake through Kärntner Sparkasse and Steiermärkische Sparkasse
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Page MREL capacity based on TREA (RWA)* Key take-aways Erste Group adopted multiple point of entry (MPE) resolution approach − In Q3 26, Erste Group Bank AG received its MREL requirement calibrated on 31 Dec 2024 balance sheet data − From 23 July 2026, Erste Group Bank AG, as the resolution entity of the Austrian resolution group, must comply with a MREL requirement of 30.17% of TREA (excl. CBR) and 10.33% of Leverage Ratio Exposure (LRE). In addition, the subordination requirement is set at 13.50% (excl. CBR) of TREA and 6.21% of LRE, respectively. − As of Q3 26 the Combined Buffer Requirement (CBR) of the Austrian Resolution Group is 5.89% of TREA − Based on the Austrian resolution group’s RWAs as of Sep 2026 of approx. EUR 102.2bn, the current MREL ratio stands at 43.44%, thereof 31.12% being subordinated eligible liabilities. As of Q3 26 the AT resolution group is compliant with the MREL and subordination requirements (TREA and LRE- based) to be fulfilled from 23 July 2026 − Any future changes in the MREL requirements will be reflected in Erste Group Bank AG’s funding plan as to ensure compliance with MREL & subordination targets 41 Austrian resolution group: MREL requirement based on RWA fulfilled APPENDIX: DETAILS ON AUSTRIAN RESOLUTION GROUP 3.41% 4.14% 23.33% 0.24% 12.32% Sep 26 CET1 AT1 T2 Other subordinated > 1yr Other Senior Unsec > 1yr Fully-loaded MREL target** from 23.7.2026: 36.06% Subordination target** from 23.7.2026: 19.39% 43.44% in % * TREA… total risk exposure amount ** Target including the Combined Buffer Requirement (CBR)
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Page MPE resolution groups MREL issuance plan 42 Multiple point of entry (MPE) resolution strategy − 8 MPE resolution groups − 4 (AT, SK, HR, SI) covered by the Single Resolution Board − 4 (CZ, PL, RO, HU) covered by the respective National Resolution Authority Features of the Austrian resolution group − Covers parent company (Holding), EBOe and savings banks − Not considered a legal entity or reporting unit, hence there is neither a statutory reporting nor a capital requirement More than EUR 4.4bn MREL-related CEE issuances placed in domestic and euro markets in 2025 and 2026 − Holding: ~EUR 5.6bn PS (thereof latest dual EUR 750m benchmark in Sep 26) − CZ: ~EUR 1.0bn NPS (2 international EUR 500m benchmarks in Q3 25 and Q1 26) − SK: ~EUR 0.6bn PS (thereof domestic EUR 0.3bn and 1 international EUR 300m sub- benchmark in Q3 26) − RO: ~EUR 0.9bn, thereof 2 domestic RON 1.1bn in Q4 25 and RON 1.0bn in Q2 26 NPS sub-benchmarks and 1 international EUR 500m NPS benchmark in Q4 25 − HU: ~EUR 1.5bn PS (thereof domestic EUR 0.6bn and 2 international EUR 400m sub-benchmark in Q1 26 and EUR 500m benchmark in Q3 26) − HR: ~EUR 0.4bn PS (1 international EUR 400m sub-benchmark in Q2 26) MREL issuance progresses to plan APPENDIX: MULTIPLE POINT OF ENTRY (MPE) RESOLUTION STRATEGY 29 26 17 17 29 11 13 9 8 AT PL CZ SK RO HR HU 222 102 80 33 91 Total assets Total RWA ~3,500-4,000 Holding ~500-1,000 PL CZ SK RO HR HU ~500-650 ~300-400 ~200-300 ~400-500 ~1,000-1,100 in EUR bn, as of Sep 2026 in EUR m
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Page Gross customer loans by industry 43 By currency By business segment By interest rate By risk category Erste Group benefits from a highly diversified loan book APPENDIX: GROSS CUSTOMER LOANS BY RISK CATEGORY, CURRENCY AND INDUSTRY 7.8 7.77.8 7.88.7 9.2 10.1 10.4 13.2 38.4 123.0 30/06/26 0.2 6.8 3.7 0.2 6.0 4.0 7.0 11.7 7.4 7.5 5.8 7.6 8.9 8.4 7.6 7.2 9.1 10.1 10.1 11.8 13.7 9.1 125.1 30/09/26 287.3 292.0 7.6 38.9 Other Conventional fuels & petrochemicals Machinery TMT Hotels & Leisure Industry Agriculture Non-cyclical consumer products Non-profit housing associations Public sector Transportation Construction and building materials Automotive Healthcare & Services Financial institutions Real Estate Utilities Private households Cyclical consumer products 73% 64% 24% 33% 1% 1% 1% 1%1% 31/12/25 2% 30/09/26 Other CHF USD CEE-LCY EUR 79% 77% 15% 14% 2% 2%4% 31/12/25 6% 30/09/26 Non-performing Substandard Management attention Low risk 50% 51% 50% 49% 31/12/25 30/09/26 Fixed Variable 36% 31% 36% 31% 27% 22% 15% 0% 31/12/25 30/09/26 Other Savings banks Corporate Retail in EUR bn
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Page Well diversified portfolio, still some market-specific headwinds in Austria − Polish portfolio supports diversification, PL the second largest market outside AT − Share of exposure related to AT-focused residential real estate (RRE) stable at ~ 36%; high share of low risk, state-subsidised non-profit housing associations (NPHAs) − Commercial real estate (CRE) is well-diversified and performs well, heavily weighted towards lower risk economies, such as AT, PL and CZ − Stable CRE yields, potential interest rate pressure monitored; real estate portfolio risk remains resilient − Other real estate relates mainly to multipurpose, small RRE and CRE projects, typically, in the minority -owned savings banks (>6 5%) Sound portfolio parameters − Income producing projects >80% − Ring-fenced, A-class buildings in prime locations with risk -mitigating structures − Highly collateralised business with conservative valuation approach (application of valuation haircuts) and LTVs in the 50 -60% range 44 Real estate gross exposure as of Q3 26 (EUR 57.9bn) (Asset location view, in EUR bn) Real estate snapshot APPENDIX: CREDIT RISK/EXPOSURE HIGHLIGHT: REAL ESTATE (RE) 6.1 2.2 4.4 8.4 AT/EBOe + Holding AT/SB CZ PL SK RO HU HR DE Other 15.0 17.1 6.1 5.7 2.3 2.2 1.5 1.6 1.7 4.6 Other categories Tourism Retail Office Logistic/Industrial RRE RRE - NPHANon-profit housing associations with top asset quality track record Income-producing residential exposures with conservative risk profile and high collateralisation ~30% of total exposure belongs to minority-owned savings banks
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Page Financial assets – geographic view in EUR bn Financial assets – accounting view 45 AC by issuer and currency Financial assets/securities are geographically well-diversified − Main rationale is maintenance of strong levels of highly liquid assets − Focus on Erste Group core markets − Largest exposure is to Polish sovereign Amortised cost portfolio as at Q3 26 − Amounts to EUR 81.0bn or 82% of total financial assets − Portfolio duration: 3.5 years − Portfolio yield: 3.4% − Rolling maturities are re-invested at higher yields − Focus on euro driven by investments in core markets (AT, SK) as well as other euro zone exposures − Focus on strong ratings: ~87% A or higher, ~13% BBB Securities portfolio contributes to net interest income APPENDIX: FINANCIAL ASSET DRILL-DOWN 17.0 7.5 6.7 3.8 2.0 2.8 1.8 12.1 15.6 30/09/25 15.6 16.6 7.8 5.8 7.9 6.0 20.2 5.0 1.8 30/06/26 2.83.0 22.5 21.3 30/09/26 2.1 20.8 6.6 69.2 98.5 98.5 14.7 16.5 +42.3% AT CZ RO SK HU US DE PL Other 15% 82% 2% EUR 98.5 bn FVPL FVOCI Amortised cost 51% 17% 18% 6% 0% 4% 4% EUR PLN CZK RON HUF RSD USD Other EUR 81.0 bn 89% 9% 2% EUR 81.0 bn GOVT BANK CORP
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Page APPENDIX: ESG PROFILE (1)/ESG STRATEGY OF ERSTE GROUP 46 Erste Group’s sustainability strategy is centered on two main pillars Supporting the Green Transition Erste Group’s primary environmental impact arises from its lending activities and the resulting financed emissions. Supporting clients on their decarbonisation pathways is therefore the most important lever. As part of the environmental pillar of its sustainability strategy, Erste Group • has the ambition to achieve a net-zero status of its portfolio by 2050, • aims to achieve a net-zero status in banking operations by 2030 and • maintains a strong role in sustainable financing across CEE by funding climate action and adaptation. Promoting Social Inclusion Erste Group’s social impact is shaped by its interactions with employees, customers and communities. Ethical conduct and strong compliance form the foundation for long-term trust and organisational stability. As part of the social pillar of its sustainability strategy, Erste Group • boosts financial inclusion with social banking • helps customers gain financial health and literacy • promotes diversity, including gender diversity and • fosters good ethical conduct and compliance Strong ESG ratings AA (5.9)2025 Low Risk 14.2 / 100 C “Prime” 55.7 B 2026 AA (5.7) Low Risk 14.2 / 100 C “Prime” 55.75 B
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Page 47 Portfolio towards our environmental targets APPENDIX: ESG PROFILE (2)/ENVIRONMENT – NET-ZERO TARGET SETTING 1) as defined in Erste Group’s Sustainable Finance Guideline 2) volume represents the Carbon Footprint Calculation on-balance exposure as of that is in scope of the decarbonisation targets (incl. savings banks) Sustainable finance corporate New specific purpose Sustainable Financing1 Committed amount (total), Sep 2026 in EUR m Construction and real estate 2,128 Renewable energy 965 Transportation 274 Other Corporate 372 Total 3,739 Financed emissions Scope 3, financed emissions, covering EUR 243.7bn exposure 252 gCO2e/€ financing low emission intensity 18.9 million tonnes of CO2e total financed emissions Scope 1 and 2 42.6 million tonnes of CO2e total financed emissions Scope 3 Portfolio net-zero target setting Volume 2) as of Sep 26 Sector Metric Methodology Scenario/ pathway Emissions scope Year Value 2030 reduction in EUR bn Mortgages kgCO2e/m² internal model XDC ITR 2.2°C 1+2 2024 45.2 32.1 -29% Commercial real estate kgCO2e/m² internal model XDC ITR 1.7°C 1+2 2024 32.9 21.9 -34% Electricity production kgCO2e/MWh PACTA IEA NZE2050 1+2 2022 357.1 182.7 -49% Heat & steam production thousand tCO2e SBTiAC IEA NZE2050 1+2 2022 1,614.3 924.0 -43% Oil and gas extraction thousand tCO2e PACTA IEA NZE2050 1+2+3 2023 1,020.4 923.7 -9% Automotive production gCO2e/km PACTA IEA NZE2050 1+2+3 2023 169.8 103.6 -39% Iron and steel production tCO2e/t steel PACTA IEA NZE2050 1+2 2023 1.5 1.1 -24% Cement production tCO2e/t cement SBTiSDA IEA NZE2050 1+2 2023 0.6 0.5 -19% 1.4 Baseline Targets 127.3 4.9
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Page By investor By region 48 Notes to shareholder structure − Foundations include Erste Employees Private Foundation, Syndicated Savings Banks Foundations, own holdings of Savings Banks − Identified Trading includes market makers, prime brokerage, proprietary trading, collateral and stock lending positions which are visible throug h custodian bank lists − Unidentified include unidentified institutional and retail investors − The shareholder structure may contain rounding differences Erste Group benefits from strong and well-diversified shareholder base APPENDIX. SHAREHOLDER STRUCTURE 6.08% 12.59% 3.71% 4.27% 5.63% 60.19% 5.05% 0.23% 2.25% 32.52% 28.60% 15.98% 18.53% 1.89% 0.23% 2.25% Austria North America UK & Ireland Continental Europe Rest of world Identified Trading Unidentified Status as of 30 Sep 2026 Erste Foundation direct Sparkassen Beteiligungs GmbH & Co KG Foundations Wiener Städtische Versicherungsverein Retail Institutional BlackRock Inc. Identified Trading Unidentified
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Page 49 APPENDIX: CREDIT RATINGS Status as of 21 April 2026 A / Stable / F1 VR - Viability Rating (Individual Rating ) a SRF - Support Rating Floor NF (No Floor) IDR - Issuer Default Rating Lo ng-T erm / Outlo o k / Sho rt-T erm Anchor Business position Strong +1 Capital and earnings Strong +1 Risk position Adequate 0 Funding Strong Liquidity Strong -1 Support ALAC Support GRE Support Group Support Sovereign Support Additional Factors SACP - Stand-Alone Credit Profile a +1 0 + bbb+ +1 ▲ ▲ +1 CRA adjustment = Issuer Credit Rating Lo ng-T erm / Outlo o k / Sho rt-T erm A+ / Positive / A-1 0 0 0 + Asset Risk baa1 Capital baa1 Profitability baa3 Funding Structure a2 Liquid Resources baa1 Business Diversification 0 Opacity and Complexity 0 Corporate Behaviour 0 BCA Baseline Credit Assessment baa1 Affiliate Support 0 Adjusted BCA baa1 LGF Loss Given Failure + 2 Government Support +1 + = Senior Unsecured Lo ng-T erm / Outlo o k / Sho rt-T erm Aa3 / Positive / P-1 = + = Qualitative Factors Weighted Macro Profile Strong + Financial Profile +
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Page 50 Geographical/operating and business segment view APPENDIX: SEGMENT REPORTING STRUCTURE Erste Group – Geographical/operating segments Austria Central and Eastern Europe Other EBOe & Subsidiaries (AT/EBOe) Savings Banks (AT/SB) Other Austria (AT/OA) Czech Republic (CZ) Slovakia (SK) Romania (RO Hungary (HU) Croatia (HR) Serbia (RS) − Holding Business − Erste Group Immorent − Erste Asset Management − Intermarket Bank AG − Holding ALM − Holding CC − Other Subsidiaries − Group bookings and IC elimination − Free Capital Retail Erste Group – Business segments Corporates Savings Banks Group Markets Group Corporate Center − Intragroup − Elimination − Asset/Liability Management − Local Corporate Center − SME − Large Corporate − Commercial Real Estate − Public Sector − Other Subsidiaries − Group bookings − Holding Corporate Center − Free Capital ALM & Local CC (ALM&LCC) Poland (PL) Poland (PL)
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Page IR Team Role Phone Email Catherina Frass IR Assistant +4350100 17731 catherina.frass@erstegroup.com Gerald Krames IR Manager +4350100 12751 gerald.krames@erstegroup.com Peter Makray IR Manager +4350100 16878 peter.makray@erstegroup.com Alexandra Negrin IR Assistant +4350100 17741 alexandra.negrin@erstegroup.com Monika Peraus IR Analyst +4350100 11282 monika.peraus@erstegroup.com Simone Pilz IR Manager +4350100 13036 simone.pilz@erstegroup.com Thomas Sommerauer Head of Group IR +4350100 17326 thomas.sommerauer@erstegroup.com 51 Erste Group IR contact details APPENDIX: INVESTOR RELATIONS CONTACTS AND SHARE INFO Further contact details Postal address Erste Group Bank AG, Am Belvedere 1, 1100 Vienna General email investor.relations@erstegroup.com Web address www.erstegroup.com/investorrelations ISIN, Bloomberg and Reuters codes AT0000652011, EBS AV, ERST.VI