Erste Group Bank AG We provide banking services for the real economy - - PowerPoint PPT Presentation

Erste Group Bank AG

We provide banking services for the real economy in the eastern part of the European Union

Update as of March 2018

General Presentation YE 2017

Erste Group at a glance

Customer banking in the eastern part of the EU

CET 1 ratio

(Basel 3, phased-in)

Total assets Net profit

Key financials YE 2017

13.4% EUR 220.7 bn EUR 1.31 bn

• Founded in 1819 as the first Austrian savings bank
• Ever since its foundation Erste Group has been focusing on

the real economy

• Today, Erste Group is one of the largest financial services

providers in the eastern part of the EU in terms of clients and total assets. Its core activities – besides the traditional strength in serving private individuals and SMEs – include advisory services and support for corporate clients in financing, investment and access to international capital markets, public sector funding and interbank market

• perations
• Erste

Group is strongly committed to

• ffering

a comprehensive range of financial products to meet its customer needs Total equity EUR 18.3 bn Loan to deposit ratio 92.4% Operating result EUR 2.5 bn

Page 2 March 2018

Erste Group at a glance

Customer banking in the eastern part of the EU

• Over 47,660 employees serve 16

million customers through 2,565 branches in 7 countries in the eastern part of the EU

• One of the leading financial providers

in the eastern part of the EU

• Among the TOP 3 banks in our core

markets in AT, CZ, SK, RO, HU and HR

• Leader in digital banking in the home

market Austria

Page 3 March 2018

Strategic Objectives

Focus on local currency mortgage and consumer loans funded by local deposits FX loans only in EUR for clients with EUR income (or equivalent) and where funded by local FX deposits (HR & RS) Savings products, asset management and pension products Large, local corporate and SME banking Advisory services, with focus on providing access to capital markets and corporate finance Real estate business that goes beyond financing Focus on banks that

• perate in the core

markets Any bank exposure is

• nly held for liquidity or

balance sheet management reasons or to support client business

Eastern part of EU Retail banking Corporate banking

Focus on customer business, incl. customer- based trading activities In addition to core markets, presences in Poland, Germany and London with institutional client focus and selected product mix Building debt and equity capital markets in CEE Financing sovereigns and municipalities with focus

• n infrastructure

development in core markets Any sovereign holdings are only held for market- making, liquidity or balance sheet management reasons

Focus on CEE, limited exposure to other Europe Capital markets Public sector Interbank business

Customer banking in Central and Eastern Europe

Strategy

Real customer needs are the reason for our business

Page 4 March 2018

Quarterly financial data YE 2017

Income statement

Page 5 March 2018

Quarterly financial data YE 2017

Balance sheet

Page 6 March 2018

Moody´s Long-term rating: A3 Outlook: Positive Short-term rating: P-2 Standard & Poor´s Long-term rating: A Outlook: Positive Short-term rating: A-1 Fitch Long-term rating: A- Outlook: Stable Short-term rating: F1

Ratings

Erste Group has solid credit ratings

Page 7 March 2018

Shareholder Structure*

Total number of shares: 429,800,000

Free float: 70.4%

As of 31.12.2017

1 Economic interest Erste Foundation 2 Economic interest Savings Banks 3 Other parties to the shareholder agreement of Erste Foundation, Savings Banks and CaixaBank *Institutional and Retail Investors

Page 8 March 2018