Erste Group Bank Ag · VIE:EBS
Erste Group Bank — H1 2026 Earnings Presentation
24 slides from Erste Group Bank's earnings presentation, Jul 30, 2026
Slide 1: Central Europe: From Following to Shaping
CENTRAL EUROPE: FROM FOLLOWING TO SHAPING Peter Bosek, Chief Executive Officer Stefan Dörfler, Chief Financial Officer Alexandra Habeler-Drabek, Chief Risk Officer Half-year results 2026
Slide 2: Central Europe: Strong catch-up since the financial crisis
Central Europe: Strong catch-up since the financial crisis Real GDP per capita: cumulative growth rates from 2007 through 2025 (in %, since the global financial crisis) 66 98 8 CEE7 Ø 14 87 +63 % 13 12 25 44 10 6 13 42 68 2 41,9 62 76 14 9 -10 Sources: European Commission, Erste Group Research 2 CEE
Slide 3: Central Europe remains Europe's growth engine in 2026
Central Europe remains Europe’s growth engine in 2026 +3.6% CEE7 Ø +2.3% +0.6% +2.2% +1.0% eurozone Ø +0.5 % +0.7% +0.7% +1.7% -0.3% +2.1% +0.5% +2.9% Source: Erste Group Research 3
Slide 4: Central Europe also leads Europe in many other areas
0 2 4 6 8 10 12 14 16 18 20 Lithuania Malta Portuga l Estonia France Enterprise birth rate, % Norway Latvia Croatia Serbia Romania Ireland Slovakia Poland Iceland Bulgaria Albania Eurozone EU27 Slovenia Cyprus Hungary Netherlands Spain Czechia Finland Luxembourg Greec e Germany Central Europe also l
Slide 5: Central Europe: Poland leads the way
Central Europe: Poland leads the way +30% 45 Share of companies investing in innovation, % 37% Growth in labor Cross-border acquisitions by productivity Polish companies in 2025: 6 in (2015-2025) the U.S., 9 in Germany PL 5
Slide 6: Erste Group connects Central Europe
ERSTE GROUP CONNECTS CENTRAL EUROPE 6
Slide 7: Nearshoring as a catalyst for the region
NEARSHORING AS A CATALYST FOR THE REGION 7
Slide 8: Banks are the primary source of external financing
Banks are the primary source of external financing Average financing share of investments, % 100 % 90 % 80 % 70 % 60 % internal 50 % external, other 40 % external, bank 30 % 20 % 10 % 0% EU CZ HR HU PL RO SK Sources: EIB Investment Survey 2024, Erste Group Research 8
Slide 9: Leading bookrunner in Central Europe
Leading bookrunner in Central Europe * League tables only include euro-denominated transactions 9
Slide 10: Poland: the region's largest stock exchange
Poland: the region’s largest stock exchange Market capitalization of local stock exchange, EUR bn Among Europe‘s leading IPO 300 exchanges in 2026 and the market leader in the region 250 200 150 100 50 0 AT CZ HR HU PL RO SK Sources: Erste Group Research, Federation of European Securities Exchanges/
Slide 11: Customer loans
Customer loans Growth rate since the beginning of the year Net loan stock in EUR bn. > 100 % +21.9 % 282.7 +41.4 +5.0 % from Erste +2.2 % 232.0 Bank Polska +3.7 % +19.2 % -2.7 % +5.3 % +3.7 % Dec 25 Jun 26 * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Co
Slide 12: Customer deposits
Customer deposits Growth rate since the beginning of the year Deposits in EUR bn. > 100 % +27.9 % 323.7 +8.1 % +59.3 from Erste +0.5 % 253.0 Bank Polska +3.7 % +24.0 % -2.1 % -1.1 % +6.0 % Dec 25 Jun 26 * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corpo
Slide 13: Operating result increased both with and without Poland
Operating result increased both with and without Poland in EUR million +49.2 % 4,422 1,083 +12.7% 104 94 3.339 136 2,963 230 Operating Net interest income Net fee and Net trading result Operating Operating result Contribution from Operating result result H1 2025 (excl. Erste Bank commission and FVPL
Slide 14: Capital base strengthened by operating performance
Capital base strengthened by operating performance Common equity tier 1 ratio in % (CET1; phased-in) 19.3 15.2 14.4 Dec 25 Mar 26 Jun 26 14
Slide 15: We support the growth in our region
We support the growth in our region New loan volume target for 2026 € 290,000,000,000 15
Slide 16: Risk costs in line with expectations
Risk costs in line with expectations Risk costs In basis points of gross customer loans 1 basis point ≙ 0.01 PP 21 20 18 2 Portfolio Erste Bank Polska 15 9 Erste Group 18 (excl. Erste Bank Polska) 6 2021 2022 2023 2024 2025 H1 26 Excluding one-off due to transaction in Poland (€302 mn.) 16
Slide 17: Low NPL ratio despite volatile geopolitics
Low NPL ratio despite volatile geopolitics Erste Group in total Geographical segments Dec 25 Jun 26 2.9 2.8 2.8 2.7 2.6 2.6 2.4 2.3 2.3 2.2 2.2 2.0 2.0 1.6 1.6 1.6 1.4 n.a. Dec 25 Jun 26 AT* CZ SK RO HU HR RS PL * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks,
Slide 18: Acquisition increased diversification of industry portfolio
Acquisition increased diversification of industry portfolio Dec 25 (excl. Poland) Industrial sectors in % (excluding households) Jun 26 (incl. Poland) Significant reduction in concentration Real Estate and NPHA 15.9% 18.5% Highest industry exposure Hotels & Leisure 3.2% 3.8% Mechanical engineering 3
Slide 19: What's next for Erste Bank Polska?
What‘s next for Erste Bank Polska? 19
Slide 20: Rebranding Poland
Rebranding Poland
Slide 21: Poland: Brand Recognition on track, loyalty remains high
Poland: Brand Recognition on track, loyalty remains high +6P 306,000 Brand recognition after about 2.5 months per 19 July 2026 Share of the Polish population, in % Employer recommendation since last year 78 28 +2P Overall satisfaction and loyalty New retail customers since the since last year beginn
Slide 22: Poland: Next steps
Poland: Next steps Rebranding Systems integration Increasing brand visibility 23
Slide 23: Central Europe: Europe's Growth Region
Central Europe: Europe's Growth Region CE must now invest in the infrastructure of the future Loan volume target for 2026: € 290 billion
Slide 24: Erste Group
ERSTES Group