General Presentation YE 2017 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
Erste Group at a glance Customer banking in the eastern part of the EU • Key financials YE 2017 Founded in 1819 as the first Austrian savings bank • Ever since its foundation Erste Group has been focusing on Net profit EUR 1.31 bn the real economy • Today, Erste Group is one of the largest financial services Total assets EUR 220.7 bn 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 Total equity EUR 18.3 bn advisory services and support for corporate clients in financing, investment and access to international capital markets, public sector funding and interbank market CET 1 ratio 13.4% operations (Basel 3, phased-in) • Erste Group is strongly committed to offering Loan to deposit ratio 92.4% a comprehensive range of financial products to meet its customer needs Operating result EUR 2.5 bn March 2018 Page 2
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 March 2018 Page 3
Strategy Real customer needs are the reason for our business Strategic Objectives Customer banking in Central and Eastern Europe Eastern part of EU Focus on CEE, limited exposure to other Europe Retail Corporate Capital Public Interbank banking banking markets sector business Focus on local currency Large, local corporate Focus on customer Financing sovereigns and Focus on banks that mortgage and consumer and SME banking business, incl. customer- municipalities with focus operate in the core loans funded by local based trading activities on infrastructure markets Advisory services, with deposits development in core focus on providing In addition to core Any bank exposure is markets FX loans only in EUR for access to capital markets markets, presences in only held for liquidity or clients with EUR income and corporate finance Poland, Germany and Any sovereign holdings balance sheet (or equivalent) and where London with institutional are only held for market- management reasons or Real estate business that funded by local FX client focus and selected making, liquidity or to support client business goes beyond financing deposits (HR & RS) product mix balance sheet management reasons Savings products, asset Building debt and equity management and capital markets in CEE pension products March 2018 Page 4
Quarterly financial data YE 2017 Income statement March 2018 Page 5
Quarterly financial data YE 2017 Balance sheet March 2018 Page 6
Ratings Erste Group has solid credit ratings Moody´s Standard & Poor´s Fitch Long-term rating: A3 Long-term rating: A Long-term rating: A- Outlook: Positive Outlook: Positive Outlook: Stable Short-term rating: P-2 Short-term rating: A-1 Short-term rating: F1 March 2018 Page 7
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 March 2018 Page 8
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