Press Reports

02.02.2012. Erste fragments 8 23.01.2012. Erste bank and developers 20.01.2012. Income tax return form on web and Facebook page 19.01.2012. Alma Mekić Ćerdić at the helm of Erste Factoring 12.01.2012. Erste mBanking for Android OS 04.01.2012. CEE stocks favoured versus Eurozone 21.12.2011. Erste Bank records an increase in retail deposits 15.12.2011. New mBanking iPhone application 09.12.2011. Capital Markets Day 22.11.2011. Erste NetPay service for buying Croatia Airlines tickets 14.11.2011. Erste Announces Emplyment Support Programme 11.11.2011. Erste Bank announces competition for "Erste fragments 8" 07.11.2011. Total Loans Increased By 3.4 bn HRK In 3Q 02.11.2011. Erste Bank donates HRK 100.000 to Bjelovar General Hospital 27.10.2011. Loan Conract With EIB on 50. mio euros 24.10.2011. Erste bank finances the first cogeneration project in Croatia 10.10.2011. Erste Group takes extraordinary charges with limited impact on core capital 06.10.2011. Erste Bank opens its 20th branch office in Zagreb, increasing their total number to 130 03.10.2011. Erste allows requests for CHF loans 20.09.2011. Erste bank presented the project of microfinancing with the objective of stimulation self-employment in the area of Osijek and surrounding cities 12.09.2011. Erste Group revives and selects the Bee as its symbol 07.09.2011. Telecom Sector in CEE 01.09.2011. In H1 Bank Increased Total Loans For 1,8bn HRK 31.08.2011. IMMOPARK Zagreb announced 24.08.2011. Erste Bank lowers interest rates on Swiss franc-denominated home loans for the third time 29.07.2011. Erste Group increases net profit in H1 2011 21.07.2011. ATM Service For Foreigners 19.07.2011. Erste Bank Issues Subordinated Bonds 14.07.2011. Erste Bank modernised its IT system 08.07.2011. Promotional Home Lending Conditions 04.07.2011. Increase In Gold Market 27.06.2011. Erste Bank opens new branch office in Split 17.06.2011. Erste bank launches SmartX cards with Diners Club payment option for the University of Rijeka employees 17.06.2011. Held General Meeting of ESB 13.06.2011. Merger of Erste Vrijednosni Papiri 02.06.2011. Payments of pensions on June 3 01.06.2011. New Erste Bank offices in Split and Zagreb 30.05.2011. Cash Loans In Kuna Up To 7 years 20.05.2011. Specialized Real estate web portal 04.05.2011. Solid Financial Results In 1Q 2011 28.04.2011. Erste Group Q1 2011 results 21.04.2011. Housing loans with state subsidies and a nominal interest rate of 4.50% 13.04.2011. Virtual Erste Bank branch office opens on Facebook 05.04.2011. iPhone and Android app. Erste Bank 31.03.2011. Erste Bank cuts interest rates on new housing and renovation loans 29.03.2011. FDI comeback to CEE 28.03.2011. Discussion process for a new logo 22.03.2011. Business Results in 2010 16.03.2011. Lower interest rates on housing loans in CHF 10.03.2011. Middle Eastern political tsunami by no means fully priced in yet 09.03.2011. Prolongation of Contracted Grace Periods 07.03.2011. Agreement with Student Centre 04.03.2011. War Veterans' Fund dividend payment 24.02.2011. Erste Group YE 2010. results 21.02.2011. Increase in Student Loans 18.02.2011. Erste Group managed the issue of Slovak sovereign bonds 11.02.2011. More than HRK 88 million placed in total through the "Erste Maestro plus" service 09.02.2011. CEE Insurance report 02.02.2011. C. Schoefboeck new Board Member 01.02.2011. Income tax form on Erste bank's website for seventh successive year 27.01.2011. More than 80,000 Erste NetBanking users 24.01.2011. Lounched Erste Group Immorent 05.01.2011. CEE Stocks Earnings to climbe in 2011

14.12.2010. Vlatka Skoro, Dino Zrnec and Sabina Mikelic winners of "Erste Fragments 7" 07.12.2010. Erste bank's New Year's Offer 03.12.2010. Erste Group - Bank of the Year in CEE 23.11.2010. Signed contract with Hrvatske vode 17.11.2010. Erste Bank announces competition for "Erste Fragments 7" 15.11.2010. Highest figures in new retail segment loans since March 2009 29.10.2010. Erste Bank maintains stable performance in first nine months of 2010 29.10.2010. Erste Group posts net profit of EUR 737 million in the first three quarters of 2010 28.10.2010. World Savings Day 21.10.2010. Erste grantes HRK 5.2m in student loanas 04.10.2010. Cooperation with UNICEF on Children's Week 30.09.2010. Oil price set to climb up, refining still lags behind 13.09.2010. Erste Bank offers clients solution that makes it easier to pay off housing loans tied to CHF 09.09.2010. Bruised by recession, facing new investments 30.08.2010. New Branch in Split 16.08.2010. Lower Interest Rates on Loans 30.07.2010. Bank Croatia maintains profitability and stable performance in H1 10 30.07.2010. Erste Group, H1 10 results 29.07.2010. Pensions to be paid out earlier 23.07.2010. Held General Meeting 23.07.2010. Erste Summer Package 14.07.2010. Difersified growth of consumption in 2011. 13.07.2010. Erste Bank placed HRK 3.7 million in student loan in the first six month 09.07.2010. Erste Invest Without Redemption Fees 07.07.2010. CEE seen as a value-driven play 06.07.2010. Erste Bank cuts interest rates for most newly approved cash loans 29.06.2010. Held General Meeting of Erste&Steiermärkische Bank d.d. 29.06.2010. Erste Chat online customer supported introduced 23.06.2010. Gold - soft metal, hard currency 16.06.2010. Erste Non Stop Opened 08.06.2010. New Branch In Petrinja 02.06.2010. Erste Entrepreneurship Academy held 02.06.2010. Loans For Renewable Energy Sources 24.05.2010. Children Saving's increased 16 % 19.05.2010. Acquire of remaining shares 17.05.2010. Erste Group finances the extension of the airport in Dubrovnik 28.04.2010. Housing loans for foreigners 12.04.2010. Cash withdrawl at ATMs with repayment in istallements 31.03.2010. Erste To Pay Out Pensions On April 2nd 23.03.2010. Novelties in Electronic Services 18.03.2010. Agreement On Bjelovar Entrepreneur 2010 Signed 17.03.2010. New concept Your opinion is our top priority 09.03.2010. The era of cheap oil is over, natural gas in the spotlight 01.03.2010. Erste Invest Funds Without Redemption Fee 26.02.2010. Erste Group 2009. results 24.02.2010. Student Loans More Than HRK 4.8 mil 10.02.2010. Erste bank created a Facebook profile 25.01.2010. Form for the calculation if income tax 21.01.2010. Erste Bank marked 28% increase in NetBanking customers in 2009

11.11.2009. Erste First To Offer Cash Revolving Loans 30.10.2009. ESB assets up 4.6% in the first nine months of 2009 30.10.2009. Erste Group demonstrates strenght in the crisis 30.10.2009. Erste Bank donated HRK 150,000 to Bjelovar's General Hospital 26.10.2009. Erste Bank's first 500 ATMs 22.10.2009. Exhibition of photographs by students of the Academy of Dramatic Art at Erste Club caffe 20.10.2009. Number of Erste NetBanking users up 22% in first nine months of 2009 14.10.2009. Erste Group Combines Its Asset Management 07.10.2009. EB placed colese to 450.000 euro in student loans 05.10.2009. Selective Strategy On Financial Markets Recommendable 30.09.2009. Ana Laslo new head of Erste banka's Target Product Management Department 28.09.2009. Oil price set to stabilize, refining still to strugle.pdf 23.09.2009. Erste banka records growth of close to 37% in Medo stedo children's savings in the first eight months of 2009 08.09.2009. Erste bank announced competition for New Fragments 6 07.09.2009. Erste Maestro Card On-Line Payments 07.09.2009. Cooperation of Erste bank and Erste Card Club with the Croatian Stomatological Chamber 03.08.2009. Close of Erste Group Summer University Danubia 2009 31.07.2009. ESB Assets up 4,2% in H1 2009 30.07.2009. Erste Group Posts 492 milion Euro Net Profit in H1 28.07.2009. CEE Pharma will post positive growth in 2009 15.07.2009. Bear market rally on stock markets over 06.07.2009. Gold rush not yet over, the best is yet to come 02.07.2009. Insurance sector 29.06.2009. Held General Meeting of Erste & Steiermärkische Bank d.d. 24.06.2009. CEE8 countries sholud not face problems with external financing due to sharply shrinking CA deficits 17.06.2009. CEE Telecom sector: safe haven, though not immune to recession 15.06.2009. Number of customers using Erste NetBanking grows by 15% in first five months of 2009. 10.06.2009. Economic Trend Reversal In Sight 09.06.2009. More favourable tourist arrangements 08.06.2009. Habit of Saving 05.06.2009. Criteria Caixa Corp increases stake in Erste Group 13.05.2009. Erste Bank the first to introduce MasterCard SecureCode service in Croatia 06.05.2009. Erste Group support CEE galleries 05.05.2009. Solid Prospects of CEE Pharma Companies 28.04.2009. Joint Offer Of Erste Banka And 33 Constructors 27.04.2009. Increase in interest rates on deposits 21.04.2009. Erste bank first in Croatia to introduce the complete Verified by Visa service 06.04.2009. CEE Equity Strategy 02.04.2009. The Equity Market May Stabilise In Second Quarter 31.03.2009. The Upstream Segment To Become Attractive again 16.03.2009. Erste with building companies introduces more favorable loans 12.03.2009. Erste records increase in market shares in year 2008 09.03.2009. CEE Region - Fact and Fiction of Indebtedness 06.03.2009. Finalised aquisition of Opprotunity Bank Montenegro 27.02.2009. Strong Increase in operating result in 2008. 05.02.2009. Erste Bank reactivates Blue-And-Green loans for beneficiaries of the fourth SAPARD call for projects proposal 03.02.2009. Erste Banking increases number of its branch offices to a total of 122 20.01.2009. Increase in the number of alternative distribution channels customers in 2008 05.01.2009. New branch in Town of Našice

08.12.2008. Tickets for Championship via Erste NetPay service 05.12.2008. Erste Card Club d.d. member of Erste Group in Croatia