Erste Group Bank Ag · VIE:EBS
Erste Group Bank — FY2025 Earnings Presentation
27 slides from Erste Group Bank's earnings presentation, Feb 26, 2026
Slide 1: Annual results 2025
PRESS CONFERENCE, 26 FEBRUARY 2026 Annual results 2025 Peter Bosek, Chief Executive Officer Stefan Dörfler, Chief Financial Officer Alexandra Habeler-Drabek, Chief Risk Officer
Slide 2: What was our business performance like in 2025?
What was our business performance like in 2025? 2
Slide 3: Loan growth beats guidance
Loan growth beats guidance Growth rate in 2025 Net loan stock in EUR bn. +12.3 % +6.4 % +6.7 % 232.0 218.1 +3.3 % * +18.7 % +6.7 % +8.5 % +18.7 % Dec 24 Dec 25 * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corporates and Group Markets business of the Hol
Slide 4: Deposit growth in nearly all markets
Deposit growth in nearly all markets Growth rate in 2025 Deposits in EUR bn. +7.2 % +5.1 % +4.7 % 253.0 241.7 +2.0 % * +18.3 % -0.2 % +8.3 % +0.9 % Dec 24 Dec 25 * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corporates and Group Markets business of the H
Slide 5: Czech Republic
Czech Republic Net loan stock in EUR bn. +12.3 % 48.6 43.3 Dec 24 Dec 25 5
Slide 6: Austria
Austria Net loan stock in EUR bn. +3.4 % 102.0 105.6 Dec 24 Dec 25 * EBOe and savings banks, excl. Holding business Pioneering use of quantum technology 6
Slide 7: Slovakia
Slovakia Net loan stock in EUR bn. +6.7 % 19.5 20.7 Dec 24 Dec 25 > 70,000 New micro clients onboarded 7
Slide 8: Romania
Romania Net loan stock in EUR bn. +6.7 % 13.4 14.3 Dec 24 Dec 25 8
Slide 9: Croatia
Croatia Net loan stock in EUR bn. +8.5 % 10.5 9.7 Dec 24 Dec 25 € 171 mn. in automatically approved loans for corporate customers 9
Slide 10: Hungary
Hungary Net loan stock in EUR bn. +18.7 % 6.8 5.7 Dec 24 Dec 25 +55 % Strongest relative growth across the group in securities savings plans 10
Slide 11: Serbia
Serbia Net loan stock in EUR bn. +18.7 % 2.6 2.2 Dec 24 Dec 25 11
Slide 12: What's next in Poland?
What’s next in Poland? 12
Slide 13: ATMs to be rebranded branches
1,400 485 ATMs branches to be rebranded to be redesigned 1,500 1 advertising million new materials to paper supplies be updated 13
Slide 14: Santander Bank Polska becomes Erste
NOWI W POLSCE. “| J) | ALE JUZ Ps NAM SIE wl TU PODOBA. ERSTES = Santander Bank Polska zmienia sie w — . Erste | My ogarniamy zmiany, a Ty korzystasz z banku jak dotad, fons Santander © { Bank Polska & zmienia siew H “ESE 4 Ss Aty nic nie musisz robic. To co znasz pozostaje bez zmian: humer Twojego
Slide 15: Next steps
Next steps Consolidation of financial figures in Q1 Organizational processes Integration of IT systems George 15 15 1
Slide 16: Net interest income up 3.5 %, beating expectations
Net interest income up 3.5 %, beating expectations +3.5 % Strong growth in SK (+11.4 %), CZ (+5.9 %) 7,788 on back of loan volume growth 7,528 Quarterly NII above €2 bn mark for first time in Q4 in EUR mn. 2024 2025 16
Slide 17: Net fee and commission income up 8.6 %
Net fee and commission income up 8.6 % — securities business and payments as key drivers +8.6 % +13 % higher fee income in securities business 3,191 Higher revenues in payments driven by increased transaction volumes 2,938 in EUR mn. 2024 2025 17
Slide 18: Higher operating income on high quality revenue growth
Higher operating income on high quality revenue growth +4.3 % 11,659 11,178 7,788 7,528 IN EUR MIO. Net interest income 2,938 3,191 Net fee and commission income Net trading result and gains/losses from financial instruments at FVPL 437 419 Other operating income 275 261 2024 2025 18
Slide 19: Operating expenses come in on target
Operating expenses come in on target +5.8 % 5,583 5,279 3,335 3,202 IN EUR MIO. 1,529 1,688 Personnel expenses Other administrative expenses Depreciation and amortisation 547 560 2024 2025 19
Slide 20: Risk costs remain at a competitive level
Risk costs remain at a competitive level Risk costs In basis points of gross customer loans +3 basis points ≙ 0,03 PP 78 21 18 15 9 6 2020 2021 2022 2023 2024 2025 20
Slide 21: NPL ratio declines slightly
NPL ratio declines slightly Erste Group in total Geographical segments Dec 24 Dec 25 3.1 2.9 2.8 2.8 2.7 2.6 2.6 2.6 2.4 2.2 2.0 1.9 1.9 1.8 1.6 1.6 Dez 24 Dez 25 AT* CZ SK RO HU HR RS * The geographical segment Austria comprises Erste Bank Oesterreich, the Savings Banks, the Corporates and Group Ma
Slide 22: Net result rises thanks to core business and one-off effects
Net result rises thanks to core business and one-off effects IN EUR MN. +12.3 % 3,510 -50 32 -304 480 307 -81 3,125 2024 Operating Operating Risk costs Other Taxes on income Minorities 2025 income expenses result 22
Slide 23: Strong capitalization before first-time consolidation in Poland
Strong capitalization before first-time consolidation in Poland Common equity tier 1 ratio In % (CET1; CRR phased-in) 19.3 15.3 Dec 24 Dec 25 23
Slide 24: Financial outlook for 2026
Financial outlook for 2026 Parameters Erste excl. EBP Erste incl. EBP Loans >5% >285 bn Net interest income ~ +5 % >11 bn Net fee and commission income > +5 % ~ 4 bn Costs ~ +3 % ~ 7 bn Cost-income ratio ~ 47 % ~ 45 % Risk costs 20–25 bps 25–30 bps Return on Tangible Equity (ROTE) ~ 19 % Earnings pe
Slide 25: Positive momentum thanks to improved economic forecasts
Positive momentum thanks to improved economic forecasts Real GDP growth in % 2025 2026e 4.0 3.6 3.0 2.7 2.7 2.5 2.5 2.0 2.0 1.3 1.0 0.8 0.8 0.6 0.4 0.4 AT PL CZ SK RO HU HR RS 25
Slide 26: We support the growth in our region
We support the growth in our region Projected loan volume € 285,000,000,000 26
Slide 27: ERSTES Group
ERSTES Group