Erste Group Bank Ag · VIE:EBS
Erste Group Bank — H1 2025 Earnings Presentation
21 slides from Erste Group Bank's earnings presentation, Aug 1, 2025
Slide 1: Half-year results 2025
PRESS CONFERENCE, 1 AUGUST 2025 Half-year results 2025 Peter Bosek, Chief Executive Officer Stefan Dörfler, Chief Financial Officer Alexandra Habeler-Drabek, Chief Risk Officer
Slide 2: Dzień dobry
Dzień dobry 2
Slide 3: Erste Group signs banking deal in Poland
do polskiego sektora bankowego. Mają wielkie plany. Santander Bank Polska zmieni właściciela. Na stole miliardy złotych ECB's Lagarde: EU Erste Group Cross-border Banking signs banking Mergers are 'Desirable' deal in Poland Erste kupuje Santander Bank Polska Erste Group kupuje 49 odsto udela u Santa
Slide 4: Poland: consumption and income growth
consumption. Doubling off — Py Py per capita income since EU accession ; \ most dynamic in both and 2026 r 7 regions in Europe
Slide 5: Erste strengthens its standing as the leading bank in CEE
Erste strengthens its standing as the leading bank in CEE Erste Group What Santander Bank Polska brings On the basis of FY2024 results Transaction perimeter based on FY2024 results No. of Customers Deposits (EUR) No. of Customers Deposits (EUR) 16.6 million 241.1 billion +6 million +50.4 billion Net
Slide 6: Erste is a leading bond underwriter in CEE
Erste is a leading bond underwriter in CEE Source: Informa Global Markets Source: Dealogic Source: Informa Global Markets 6
Slide 7: Status of the acquisition process
Status of the acquisition process Signing Regulatory Closing* approvals * Subject to regulatory approvals 7
Slide 8: Strong capitalization and operating performance
Strong capitalization and operating performance 17.4 % + 2.7 % +8.3 % Net fee and CET1 ratio Net interest income commission income 8
Slide 9: Erste Group is the largest asset manager in CEE
Erste Group is the largest asset manager in CEE Assets under Management reach all-time high € 95.6 bn As per 06/25 +4.3 % YTD 9
Slide 10: Financial literacy initiatives
+24.1% Hey Emma-Charlotte, how can | help you . i day?| increase in number of securities savings plans Financial literacy initiatives ERSTES Group 10
Slide 11: Operating income increased on higher core revenues
Operating income increased on higher core revenues +2.7 % 5,668 5,522 3,688 3,786 IN EUR MN Net interest income 1,423 1,542 Net fee and commission income Net trading result and gains/losses from financial instruments at FVPL 248 200 Other operating income 162 140 H1 24 H1 25 11
Slide 12: Operating expenses in line with expectations
Operating expenses in line with expectations +6.2 % 2,706 2,548 1,624 1,534 IN EUR MN 745 808 Personnel expenses Other administrative expenses Depreciation and amortisation 270 274 H1 24 H1 25 12
Slide 13: Continued growth in customer business
Continued growth in customer business Loans Deposits Loan/deposit ratio Net loans and advances to customers, Deposits from customers, in % in EUR bn in EUR bn +2.8 % +2.7 % 90.2 90.1 241.7 248.5 218.1 224.0 Dec 24 Jun 25 Dec 24 Jun 25 Dec 24 Jun 25 13
Slide 14: Loan growth continues unabated
Loan growth continues unabated Growth rates since beginning of the year +5.4 % +3.9 % +4.1 % +1.7 % * +7.0 % -2.5 % +4.4 % Loan growth in CEE +12.8 % * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corporates and Group Markets business of the Holding, as w
Slide 15: Risk costs remain low
Risk costs remain low Risk costs Crisis-induced performing risk provisions In basis points of gross customer loans In EUR mn Macro Covid Ukraine / geopolitical situation 78 928 773 734 740 469 481 18 16 15 9 6 2020 2021 2022 2023 2024 H1 25 2020 2021 2022 2023 2024 H1 25 15
Slide 16: NPL ratio decreases slightly
NPL ratio decreases slightly Dec 24 Jun 25 Erste Group in total Geographical segments 3.5 3.1 2.9 2.9 2.8 2.6 2.6 2.6 2.5 2.3 2.0 1.9 1.9 1.8 1.7 1.7 Dec 24 Jun 25 AT* CZ SK RO HU HR RS * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corporates and Group M
Slide 17: Net result rises, driven by core business
Net result rises, driven by core business IN EUR MN +2.2 % 147 -158 1,655 1,629 42 2 -56 58 H1 24 Operating Operating Risk costs Other Taxes on Minorities H1 25 income expenses result income 17
Slide 18: Capitalization: CET1 at a strong 17.4 %
Capitalization: CET1 at a strong 17.4 % CET1 RATIO, IN % (CRR) 17.4 8.3 Dec 09 Jun 25 18
Slide 19: Broad-based 2025 guidance upgrade
Broad-based 2025 guidance upgrade Variable Previous 2025 guidance Current 2025 guidance Loan growth ~ +5 % >5% Net interest income ~ ±0 % >0% Risk costs ~ 25 bps ~ 20 bps Return on tangible equity (ROTE) ~ 15 % > 15 % Payout ratio ~ 40-50 % max 10 % CET1 ratio > 14.0 % > 18.25 % 19
Slide 20: Summary
Summary Acquisition in Poland Results affirm Europe needs investments & set to transform group pursued strategy drive to shape its future 20
Slide 21: ERSTES
ERSTES Group