Erste Group Bank AG We provide banking services for the real economy in the eastern part of the European Union Update as of June 2016 General Presentation Q1 2016

June 2016Page 2 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 Q % EUR 206.4bn EUR 274.7mn 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 operations Erste Group is strongly committed to offering a comprehensive range of financial products to meet its customer needs Total equityEUR 15.2bn Loan to deposit ratio 98.5% Operating result EUR 620.5mn

June 2016Page 3 Erste Group at a glance Customer banking in the eastern part of the EU 46,800 employees serve 15.8 million customers with over 2,700 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

June 2016Page 4 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 operate in the core markets Any bank exposure is only 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, Turkey, 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 on 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

June 2016Page 5 Quarterly financial data Q Income statement in EUR million Q1 15Q4 15Q – – 3 16 Net interest income 1,098.51,120.41, ,098.51,092.2 Net fee and commission income Net trading and fair value result Operating income 1,689.11,680.91, ,689.11,629.3 Operating expenses (948.1)(1,016.5)(1,008.8) (948.1)(1,008.8) Operating result Net impairment loss on non-fair value financial assets (183.1)(210.7)(56.4) (183.1)(56.4) Post-provision operating result Net result attributable to owners of the parent Net interest margin (on average interest-bearing assets) 2.55%2.59%2.51% 2.55%2.51% Cost/income ratio 56.1%60.5%61.9% 56.1%61.9% Provisioning ratio (on average gross customer loans) 0.57%0.64%0.17% 0.57%0.17% Tax rate 28.6%0.7%24.5% 28.6%24.5% Return on equity 9.0%7.5%9.8% 9.0%9.8%

June 2016Page 6 Quarterly financial data Q Balance sheet in EUR million Mar 15Dec 15Mar 16Dec 15Mar 16 Cash and cash balances 8,22312,35014,64112,35014,641 Trading, financial assets 52,28547,54248,68047,54248,680 Loans and receivables to credit institutions 8,3454,8056,6804,8056,680 Loans and receivables to customers 123,437125,897126,740125,897126,740 Intangible assets 1,4151,4651,4471,4651,447 Miscellaneous assets 8,8657,6858,1827,6858,182 Total assets ,743206,369199,743206,369 Financial liabilities - held for trading 8,9885,8676,6125,8676,612 Deposits from banks 16,38914,21217,33014,21217,330 Deposits from customers 124,752127,946128,640127,946128,640 Debt securities issued 30,85229,65430,06029,65430,060 Miscellaneous liabilities 7,6357,2578,5097,2578,509 Total equity 13,95614,80715,21814,80715,218 Total liabilities and equity 202,570199,743206,369199,743206,369 Loan/deposit ratio 98,9%98,4%98,5%98.4%98.5% NPL ratio 8.1%7.1%6.7%7.1%6.7% NPL coverage (exc collateral) 67.7%64.5%66.5%64.5%66.5% CET 1 ratio (phased-in) 10.5%12.3%12.1%12.3%12.1%

June 2016Page 7 Moody´s Long-term rating:Baa1 Outlook:Stable Short-term rating: P-2 Standard & Poor´s Long-term rating: BBB+ Outlook:Stable Short-term rating: A-2 Fitch Long-term rating: BBB+ Outlook:Stable Short-term rating: F2 Ratings Erste Group has solid credit ratings

Page 8 Shareholder Structure * Total number of shares: 429,800,000 June 2016 Page 8 Free float: 70.8% * As of June 10 th Includes voting rights of Erste Foundation, savings banks, savings bank foundations and Wiener Städtische Wechselseitige Versicherungsverein 2 Institutional and Retail Investors international By regionBy investor