Addiko Bank - Austrian Visual Worldwide Roadshow 2021

„ Addiko - 1Q21 Results Presentation “

„ Addiko - 1Q21 Executive Summary “

„ Addiko - Changes in management team “

„ Addiko - Key highlights 1Q21 “

„ Addiko - AGM 2021 completed, update on 2020 dividend and environment “

„ Addiko - Repositioning into focused areas of consumer and SME continued “

„ Addiko - Focus portfolio remained stable despite challenging environment “

„ Addiko - Back to business for growth in focus areas “

„ Addiko - Evolving digital capabilities “

„ Addiko - Financials & Risk Update “

„ Addiko - Financial performance 1Q21 “

„ Addiko - Key performance drivers 1Q21 “

„ Addiko - Robust asset quality portfolios “

„ Addiko - Total exposure in moratoria remained at 2.4% as of 1Q21 “

„ Addiko - Moratoria exposure development “

„ Addiko - Expired moratoria exposure behavior in line with expectations... “

„ Addiko - ... with visible difference among business segments “

„ Addiko - Provision coverage evolution “

„ Addiko - Provisioning in line with developments and IFRS 9 “

„ Addiko - Addiko's capital position remains strong “

„ Addiko - Wrap-up “

„ Addiko - Outlook 2020 & next steps “

„ Addiko - Additional Materials “

„ Addiko - Addiko at a glance “

„ Addiko - Accelerated execution of established strategy “

„ Addiko - Current environment “

„ Addiko - Simple balance sheet composition “

„ Addiko - Consumer and SME lending development “

„ Addiko - Digital transformation reflected “

„ Addiko - Financials: Key financials 1Q21 “

„ Addiko - Financials: Interest income dynamics “

„ Addiko - Financials: Other interest income “

„ Addiko - Financials: Interest expense dynamics “

„ Addiko - Financials: Commission income dynamics “

„ Addiko - Financials: Other income “

„ Addiko - Financials: Development of operating expenses “

„ Addiko - Financials: Balance sheet “

„ Addiko - Financials: Income statement “

„ Addiko - Financials: Breakdown by entity “

„ Addiko - Risk: Strong risk management framework “

„ Addiko - Risk: Track record of consistent NPE reduction “

„ Addiko - Risk: NPE formation and exit dynamics “

„ Addiko - Risk: Update on NPE and cost of risk development “

„ Addiko - Risk: Tightly monitored NPE development “

„ Addiko - Risk: Latest development on Covid-19 loan moratoria in CSEE “

„ Addiko - Risk: Exposure in Moratoria “

„ Addiko - Risk: Exposure in Moratoria “

„ Addiko - Risk: Deep-dive in expired moratoria exposure “

„ Addiko - Risk: CHF loans significantly managed down “

„ Addiko - Update on capital position “

„ Addiko - Update on capital position “

„ Addiko - Disclaimer “