FY21 commercial results demonstrating the inherent value of the franchise

Connecting over 15M clients across Europe

People
~ M
retail clients
Company
~ 1 M
corporate clients
Flags
Cross border payments market share:
c. 2x intra country

Through a unique and diverse talent base

World
INTERNATIONAL MINDSET1
Outside of head office country
%
presence
in BoD
%
presence
in GEC
Employees Resource
Groups
Balance
GENDER BALANCE2
Female
%
presence
in BoD
%
presence
in GEC
%
presence in
leadership team

13 banks embedded in the fabric of Europe

Cup
#2
Italy
Cup
#3
Germany
Cup
#2
Central
Europe
Cockade
#1
Eastern
Europe

Our financial results showed positive momentum

Istogram
GROW
Revenues:
bn
exceeding
guidance
Graph
STRENGTHEN
CET1 ratio:
%
Non Core rundown completed
Grow
DISTRIBUTE
Proposed shareholder distribution:
bn
Target
OPTIMISE
Cost:
bn
exceeding
guidance

Revenues (%)

Revenues (%)

Net profit FY21, bn

Net profit FY21, bn

GOP ∆% vs. FY20

GOP ∆% vs. FY20

1 - Calculated in FTEs.

2 - Ranking by total assets. Germany only Private Banks. Italian and German Peers last available update as of 3Q21; Positioning vs other main Peers in CE region is as of 3Q21; ERSTE Austria in CE perimeter ranking consists of ErsteBank Oesterreich & Subsidiaries, Savings banks and Other Austria; Positioning vs other main Peers in EE region is as of 3Q21.