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Oberbank Bond Investor Presentation August 2026 Oberbank Investor Presentation | August 20261
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Oberbank Investor Presentation | August 2026 COMPANY PROFILE 2
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Source: Oberbank AG, Shareholder Report 30.06.2026 | Annual Reports of the respective institutions as of 31.12.25 | Values in EUR Staff (FTEs) 2,130 Receivables from customers 22.37 billion Primary funds 20.83 billion Number of branches 161 7th largest bank in AustriaOberbank: Facts & Figures Bank Total assets 1 Erste Group Bank AG 368.6 billion 2 Raiffeisen Bank International AG 210.3 billion 3 UniCredit Bank Austria AG 109.6 billion 4 BAWAG P.S.K. AG 71.0 billion 5 Raiffeisenlandesbank OÖ AG 49.0 billion 6 Raiffeisenlandesbank NÖ-Wien AG 35.5 billion 7 Oberbank AG 29.4 billion 8 Steiermärkische Bank und Sparkassen AG 23.8 billion 9 Raiffeisen-Landesbank Steiermark AG 16.9 billion FACT SHEET OBERBANK Oberbank Investor Presentation | August 20263
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SUCCESSFUL GROWTH FOR OVER 150 YEARS 4 1869 Founded in Linz 1986 Initial public offering on the Vienna Stock Exchange 1990 Market entry Germany 1988 First branch in Vienna 2004 Market entry Czech Republic 2007 Market entry Hungary 2009 Market entry Slovakia 2019 150 years of Oberbank 2022 Latest expansion Germany North Rhine-Westphalia 2024 40 years of independence 1984 End of syndicate agreement with Creditanstalt As of 30.06.2026 2025 165 Branches 2026 Oberbank Investor Presentation | August 2026
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5 COUNTRIES – 161 BRANCHES – ONE OBERBANK 5 Source: Oberbank As of: 30. June 2026 DortmundEssen Dortmund (2024) Openings Essen (2025) Oberbank Investor Presentation | August 2026
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Source: Standard & Poor‘s As of: 26.03.2026 Issuer rating (26.03.2026) | Transaction Update: Oberbank AG (Mortgage Covered Bond Program) (01.04.2025) Oberbank Investor Presentation | August 20266 RATING OVERVIEW OF OBERBANK Long-term issuer rating Short-term issuer rating Mortgage-backed cover pool A- A-2 AAA stable stable Credit rating Outlook Rating by Standard & Poor‘s
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SHAREHOLDER STRUCTURE ENSURES OUR AUTONOMY 7 Source: Oberbank AG | As of: 30. June 2026 1) BTV 2000 Beteiligungsverwaltungsgesellschaft m.b.H. ("BTV 2000"), a wholly owned subsidiary of BTV Vier Länder Bank AG, holds 2.62% of Oberbank AG. 2) Beteiligungsverwaltung Gesellschaft m.b.H. ("BVG") holds 0.58% in Oberbank AG Shareholder Structure 30 June 2026 (after allocation foundation shares) BTV Vier Länder Bank AG (incl. BTV 2000)1) 16.45 % BKS Bank AG (incl. subordination syndicate with BVG)2) 14.74 % G3B Holding AG 1.62 % CABO Beteiligungs- gesellschaft m.b.H 23.76 % 3.41 % UniCredit Bank Austria AG, Wien Free Float 34.85 % Employees 5.17 % Oberbank Investor Presentation | August 2026
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8 1) As of: 30.06.2026 SINCE 1994: ONE OF THE OLDEST EMPLOYEE PARTICIPATION PROGRAMS IN AUSTRIA 3.43 5.17 2,00 3,00 4,00 5,00 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Jun.26 Employee Participation in the total capital (in %) 5.17 % ~ € 300 mn. Invested by employees 1) PARTICIPATION PROGRAMMES – a real USP! Oberbank Investor Presentation | August 2026
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PROVEN BUSINESS MODEL FOR LONG-TERM SUCCESS 9 As of: 30. June 2026 Corporate Banking Private Banking General Banking Stable foundation is the key to success ~ 56,200 customers ~ 10,600 customers ~ 263,300 customers • Export & investment finance • Deposits, payment services & cash management • Structured finance, private equity, mezzanine capital • Leasing • Investments • Financial advice • Wealth management • Brokerage • Savings deposits • Housing loans & subsidised loan schemes • Retirement provisioning • Investments • Consumer loans & vehicle leasing • Savings deposits Oberbank Investor Presentation | August 2026
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2,644 2,829 2,998 3,211 3,468 3,708 4,018 4,069 3,861 3,625 3,702 9,759 10,550 11,413 12,421 13,102 13,557 14,410 15,124 16,213 17,144 17,92812,403 13,379 14,411 15,632 16,570 17,265 18,428 19,193 20,074 20,769 21,629 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Retail Loans Corporate Loans EXPANSION ALSO REFLECTED IN THE DEVELOPMENT OF LENDING VOLUME Source: Oberbank AG, Annual Reports 2015 to 2025 Amounts in billion € Oberbank Investor Presentation | August 202610 +3 % +7 %+7 % +9 % +6 % +8 % +7 % +8 % +11 % +3 % +5 % +8 % +6 % +8 % +5 % +1 % +7 % -5 % +5 % -4 % +5 % +2 %
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DISTRIBUTION OF LOANS REFLECTS THE REGIONAL FOCUS Oberbank Investor Presentation | August 202611 Loan distribution 9% 5% 3% AT DE CZ HU SK 22% 61% Source: Oberbank AG, Stand: 30.06.2026
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0 5 10 15 20 25 0 1 2 3 4 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Milliarden Oberbank Investor Presentation | August 202612 EQUITY INCREASE OVER THE PAST YEARS 1) Average growth compared with reference figures per 31.12. capital increase included; compound interest method 2) Tier 1 Capital Ratio according to Basel I (until 2007), Basel II (2008 -2013) and Basel III (since 2014) Source: Oberbank AG, Shareholder Reports 2002 – 2025, Shareholder Report per 31.03.2026 0.50 bn € 6.83 % 19.62 % Equity Capital Tier 1 Capital Ratio2) 4.47 bn € Q1/26
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19.89 % 19.99 % 21.70 % 7.47 % 8.97 % 10.97 % CET Tier 1 Ratio Tier 1 Capital Ratio Total Capital Ratio WE MEET THE STATUTORY CAPITAL REQUIREMENTS Source: Oberbank Annual Report as of 31.12.2025; As of 31.12.2025 Oberbank Investor Presentation | August 202613 Regulatory Requirement Regulatory Requirement Regulatory Requirement As of 31.12.2025 +0.73 % SREP-Premium +1.30 % SREP-Premium +0.98 % SREP-Premium As of 31.12.2025As of 31.12.2025
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OBERBANK‘S STRATEGIC INVESTMENT PORTFOLIO Source: Oberbank AG As of 31.12.2025 Oberbank Investor Presentation | August 2026 Financial and Insurance companies Industrial Sector 14
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15 Source: Oberbank 1) Reference figures: 30. June 2025 Profit before Tax 251.7 mn. € RoE before Tax Cost-Income-Ratio Risk-Earning-Ratio 11.3 % 42.4 % 7.9 % 30 June 2026 RESULTS Q2 2026: RESPECTABLE RESULTS DESPITE TURBULENCES IN GLOBAL ECONOMY + 16.9 mn.1) -1.3 %-P.1) +0.1 %-P.1) +0.7 %-P.1) Oberbank Investor Presentation | August 2026
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0 50 100 150 200 250 300 350 400 450 500 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 16 PROFIT BEFORE TAX IN A LONG-TERM COMPARISON Source: Oberbank, Shareholder Reports 2002 - 2025 476.8 mn € 477.1 mn € Oberbank Investor Presentation | August 2026
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STABLE COST STRUCTURE Source: Oberbank AG, Annual Reports 2015 – 2025 As of 31.12. Oberbank Investor Presentation | August 202617 50.5 % 50.8 % 49.9 % 48.9% 50.0 % 58.5 % 49.7 % 48.8 % 39.7 % 42.5 % 42.8 % 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Cost-to-Income Ratio (CIR)
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LOAN LOSS PROVISIONS Source: Oberbank AG, Annual Reports 2015 – 2025; As of 31.12 Oberbank Investor Presentation | August 202618 47.09 25.03 28.41 25.60 12.21 41.83 35.71 41.50 83.60 68.72 59.1 0 10 20 30 40 50 60 70 80 90 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Charges for losses on loans and advances (in mn €) Risk Indicators 2021 2022 2023 2024 2025 NPL-Ratio gross1) 1.96 % 2.49 % 3.55 % 3.56 % 2.78 %
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Oberbank Investor Presentation | August 202619 OBERBANK: EVEN STRONGER IN THE FUTURE Strategy 2030: Growth and efficiency through seven fields of action Human Resources Sustainability Efficiency Digitalization Private Banking General Banking Corporate Banking & Risk Strategy 2030 continues our successful strategy and places a strong focus on growth and efficiency. The goal is clear: to keep Oberbank on its successful growth course.
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Oberbank Investor Presentation | August 202620 OBERBANK: EVEN STRONGER IN THE FUTURE Digitalization and AI Investments in customer benefits and efficiency gains (IT investments 2025) Oberbank is taking the smart follower approach to digitalization Increased efficiency through artificial intelligence Targeted use of AI technologies for automation and support Focus on optimizing customer business processes Onboarding and credit application Investments in IT stability and security Expansion of IT infrastructure with a focus on resilience, cybersecurity, and high availability Uniform core systems across all markets Consolidation and standardization to increase efficiency and reduce complexity Digitalization customer platforms IT-Infrastructure Bank applications Regulatory Security Other
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21 SUSTAINABILITY – STRATEGIC INITIATIVES AND RATINGS PRIME status through ISS ESG1) C+ Transparency Level: VERY HIGH (80-100%) " 1) ISS ESG, April 2, 2026; ISS ESG is the responsible investment division of Institutional Shareholder Services Inc., the world’ s leading provider of corporate governance and responsible investment services. This marks the fourth consecutive year we have b een awarded Prime status. Source: https://www.issgovernance.com/esg/ratings/ We will pursue a decarbonisation strategy for our loan portfolio in the period until 2030. We support our customers with the transformation of their business models to achieve greater sustainability. By identifying new business areas, we will expand the volume of sustainable loans. Targets to achieve by 2030 Environment EUR 2.6 billion in sustainable loans Social Women in management ratio: 35% Governance Keep ISS Prime Rating Oberbank Investor Presentation | August 2026
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Oberbank Investor Presentation | August 2026 REAL ESTATE MARKET 22
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Oberbank Investor Presentation | August 2026 DEVELOPMENT OF THE REAL ESTATE MARKET IN AUSTRIA — After strong growth, a phase of stabilization has taken hold since the end of 2022 — Prices in Austria have risen 2.7 times since 2005 and have doubled since 2010 — The price increase is not only significantly stronger than in the eurozone, but also stronger than the growth in disposable income or consumer prices. Source: OeNB-Immobilienmarkt-Dashboard Real estate prices compared to consumer prices, credit and income 2010 = 100 23 50 100 150 200 250 Residential property price index Nominal income (Ø 4 Quarters) Source: OeNB, DataScience Service GmbH, TU Wien, Prof. Feilmayr, EZB (Quarterly Sector Accounts)
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— Sharp decline since August 2022 closely linked to rising interest rates — Building permits stabilize at low levels Oberbank Investor Presentation | August 2026 LOANS AND APPROVALS: SIGNS OF A BOTTOM Source: OeNB-Immobilienmarkt-Dashboard Source: OeNB (Monetary Financial Institutions Interest Rate Statistics) New loan volume and interest rates for residential real estate loans Source: STATcube (Statistik Austria), Statistik Austria Building permits, completions, and disposals 24 -25 0 25 50 75 100 2010 2012 2014 2016 2018 2020 2022 2024 Completions Disposals Building permits thousand 0 1 2 3 4 5 0 1 2 3 4 2018 2019 2020 2021 2022 2023 2024 2025 2026 New lending Interest rate in bn EUR in %
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Oberbank Investor Presentation | August 2026 DEVELOPMENT OF THE REAL ESTATE MARKET IN AUSTRIA — Austria: High share of variable-rate loans decline since 2023 — The proportion of variable-rate loans was still just under 50 % in 2018, but most recently stood at only 14 %. — The proportion of loans with a fixed term of more than 10 years has risen from 26 % in 2018 to 56 % currently. Source: OeNB-Immobilienmarkt-Dashboard Fixed-interest periods for housing loans in Austria Fixed interest rate for new loans in % 25 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 2018 2019 2020 2021 2022 2023 2024 2025 2026 floating 1–5 years 5–10 years > 10 years Source: OeNB (Monetary Financial Institutions Interest Rate Statistics)
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Oberbank Investor Presentation | August 2026 COVER POOL 26
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Oberbank Investor Presentation | August 2026 AAA Rating S&P Conservative lending / risk management Strong economic regions AT & DE Granular cover pool / only EUR loans Focus on residential real estate OBERBANK MORTGAGE-BACKED COVER POOL Source: Oberbank AG As of: 30.06.2026 27
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Oberbank Investor Presentation | August 2026 COVER POOL – FOCUS RESIDENTIAL Source: ATT Cover Pool Reporting 31.12.2021 – 30.06.2026 As of: 30.06.2026 EUR (mn) 28 , 1,000 2,000 3,000 4,000 5,000 Total Cover Assets Outstanding Covered Bonds Residential Commercial
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Residential 72.72% Commercial 27.28% Cover Pool Portfolio HIGH OVERCOLLATERALISATION – FOCUS ON HOUSING SECTOR Oberbank Investor Presentation | August 2026 Source: ATT Cover Pool Reporting as of 30.06.2026 EUR 4,363.4 mn Total issues EUR 2,091.5 mn Surplus cover EUR 2,271.9 mn Cover Pool Issuances 29
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445 mn 10% 1,277 mn 29 % 485 mn 11 % 348 mn 8 % 704 mn 16 % 1,105 mn 26% < 100,000 100,000 - 300,000 300,000 - 500,000 500,000 - 1,000,000 31 % 19 %14 % 8 % 5 % 10 % 12 % Upper Austria Vienna Lower Austria Salzburg Other AT Bavaria Other DE Granularity – 39,5 % < 300,000 EUR € Regional distribution COVER POOL - COMPOSITION Oberbank Investor Presentation | August 2026 Source: ATT Cover Pool Reporting as of 30.06.2026 30
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Source: ATT Cover Pool Reporting as of 30.06.2026 in % of the portfolio fixed 58.34 % floating 41.66 % 30.06.2026 Interest terms in the cover pool TREND TOWARD FIXED INTEREST RATES FOR HOUSING LOANS Oberbank Investor Presentation | August 202631
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Oberbank Investor Presentation | August 2026 FUNDING 32
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FUNDING ACTIVITIES 1) The planning corresponds to the status as of August 25th 2026. Issues cannot be guaranteed as they depend on the market si tuation and other economic and regulatory factors. Source: Oberbank AG, Icon made by Darius Dan from www.flaticon.com As of 25.08.2026 Oberbank Investor Presentation | August 2026 2019 Senior Preferred Debut EUR 250 mn 7 years 2020 Covered Bond EUR 250 mn 10 years 2020 Senior Non-Preferred Debut Club Deal EUR 100 mn 7 years 20261) 2021 Senior Non-Preferred EUR 250 mn 8 years 2021 Green Covered Bond Debut EUR 250 mn 10 years 2018 Covered Bond Debut EUR 300 mn 15 years 2022 Covered Bond EUR 250 mn 7 years 2023 Covered Bond EUR 250 mn 7.5 years 2024 Covered Bond EUR 250 mn 8 years 33 2025 Covered Bond EUR 300 mn 10 years Covered Bond EUR 250-300 mn
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OBERBANK ISSUES – MATURITIES 34 As of: 31.03.2026 Oberbank Investor Presentation | August 2026 € 0 € 100 € 200 € 300 € 400 € 500 € 600 € 700 € 800 € 900 € 1000 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 millions Retained Capital Market issues Covered & Senior Retail & Private Placements Tier 2 Retail & Private Placements Senior Private Placements Covereds€ 638 mn € 306 mn € 690 mn € 289 mn € 860 mn € 389 mn € 302 mn € 388 mn € 49 mn € 360 mn
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Oberbank Investor Presentation | August 202635 SUMMARY Sustainability ▪ Precise, measurable contributions to help achieve the SDG ▪ Strategic fields of action until 2025 1) Oberbank Shareholder Report as of 30. June 2026 2) As of 26.03.2026 Issuer rating by Standard & Poor‘s Independence is a key goal Strong & sustainable ownership structure High degree of stability ▪ Stable operating result ▪ Total capital ratio of 20.89 %1) ▪ Long-term issuer rating (S&P): A- with a stable outlook2) Clear expansion strategy Focus on economically strong regions in Austria, Germany, Czech Republic, Hungary and Slovakia
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Source: Oberbank AG CONTACTS Thomas Katzlinger Deputy Head of Treasury +43 / 732 / 7802 - 32637 +43 / 664 / 805565 534 thomas.katzlinger@oberbank.at Robert Musner Head of Treasury +43 / 732 / 7802 - 32640 +43 / 664 / 805565 224 robert.musner@oberbank.at Florian Hagenauer Member of the Board +43 / 732 / 7802 - 37206 +43 / 664 / 805565 000 florian.hagenauer@oberbank.at Kevin Windisch Sustainability Management +43 / 732 / 7802 - 32134 +43 / 664 / 805564 640 kevin.windisch@oberbank.at Oberbank Investor Presentation | August 2026 36
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This presentation (the “Presentation") has been prepared by Oberbank AG (the “Company") exclusively for advertising purposes. It serves merely as information and does not constitute a financial analysis or advice or recommendation for any financial instrument; neither does it constitute an offer to sell or a solicitation to buy securities of the Company. Neither the Company nor the management or staff of the Company or affiliated companies are under the obligation to update thedata contained in this Presentation or to adjust the data to future events and developments; neither do they make any declarations, warranties or representations - explicitly or implied - to the effect that the statements in this Presentation are correct, complete and not misleading. This Presentation or any copy of it is not permitted to be brought to or published in the United States of America, Australia, Canada, Japan, Ireland, United Kingdom or any other country in which the distribution, the use and the publication of these materials are against the law. The securities have not been registered pursuant to the United States Securities Act of 1933 or any other authority of a U.S. state or pursuant to the applicable securities laws of Australia, Canada, Japan, Ireland or the United Kingdom and are not permitted to be offered for sale or sold in the United States or for the account of a US person or another person who is a resident of Australia, Canada, Japan, Ireland or the United Kingdom. There will be no public offering of the securities in the United States, Australia, Canada, Japan, Ireland or the United Kingdom. Potential recipients of this Presentation may not interpret the contents of this Presentation as advice in legal, tax or investment matters, and must reach their own assessments with respect to such matters and other consequences of an investment in the Company or in securities issued by the Company, including the benefits of investments and the related risks. By accessing this Presentation, you confirm to the Company that you are (i) permitted to receive such information under all applicable laws, and (ii) that you alone are responsible for your own assessment of the market position of the Company and will conduct your own analysis, furthermore, you are solely responsible for reaching an opinion on the potential development of the Company. Although the Company assesses the sources used in this Presentation as reliable, we do not assume any liability for the completeness or correctness of the information provided in this Presentation. In particular, the Company does not assume any liability for the correctness of the figures given. The figures given in this Presentation refer to the past. These cannot be used to derive future trends. Oberbank AG. Legal Form: Aktiengesellschaft (Joint Stock Company). Registered Office: Untere Donaulände 28, A-4020 Linz, Austria. Commercial Register No.: FN 79063 w, Landesgericht Linz (State Court of Linz) DISCLAIMER Oberbank Investor Presentation | August 202637