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Roadshow Green Bond | June 2021 # COMPANY PROFILE

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Roadshow Green Bond | June 2021 # COMPANY PROFILE Roadshow Green Bond | June 2021 # COMPANY PROFILE 2 Roadshow Green Bond | June 2021 FACT SHEET OBERBANK Oberbank 7th largest bank in Austria Facts & Figures Bank Total assets in EUR Staff (FTEs) 2,168 1 Erste Group Bank 277.4 billion 2 Raiffeisen Bank International AG 166.0 billion Receivables from customers 3 UniCredit Bank Austria AG 118.5 billion 17.3 billion 4 BAWAG P.S.K. 53.1 billion 5 Raiffeisenlandesbank OÖ AG 41.5 billion Primary funds 15.4 billion 6 Raiffeisenlandesbank NÖ-Wien AG 27.7 billion 7 Oberbank 24.4 billion Number of branches 8 HYPO NOE Gruppe 16.4 billion 176 Raiffeisen-Landesbank Steiermark 9 16.0 billion ▪ Source: Oberbank AG, Annual Report 2020 | Annual Reports of the respective institutions AG ▪ As of 31.12.2020 3 Roadshow Green Bond | June 2021 5 COUNTRIES – 176 BRANCHES – ONE OBERBANK 2020: 176 Filialen Potsdam Branch openings 2021 • Potsdam • Jindřichův Hradec • Tatabánya (planned) Mainz Jindřichův Hradec Karlsruhe Kosice Memmingen Tatabány a Source: Oberbank AG Roadshow Green Bond | June 2021 4 As of: 31.12.2020 INDEPENDENCE DEVELOPED OVER YEARS 1869 1984 1990 2004 2019 Founded in Linz End of syndicate Market entry Market entry in 150 Years of agreement with Bavaria/Germany the Czech Oberbank Creditanstalt Republic 177 Branches 1945 2000 2009 13 branches First presentation Market entry in of Oberbank, BTV Slovakia and BKS as 3 Banken Gruppe 1952 2002 2013 Creditanstalt 100 branches 150 branches sells 1/3 of its shares to BKS and BTV 1986 2007 1929 Initial public offering Market entry in Creditanstalt at the Vienna Stock Hungary becomes majority Exchange shareholder 5 Roadshow Green Bond | June 2021 ISSUER RATING OF OBERBANK Rating by Standard & Poor‘s Credit rating Outlook Long-term issuer rating A negative Short-term issuer rating A-1 Mortgage-backed cover pool AAA stable Source: Standard & Poor‘s As of: 11.02.2021 Issuer rating; 23.03.2021 Rating of mortgage-backed cover pool; 22.10.2020 Rating Senior Non- Preferred 6 Roadshow Green Bond | June 2021 SHAREHOLDER STRUCTURE ENSURES AUTONOMY Bank für Tirol und Vorarlberg AG (incl. BTV 2000) 16.15% Free Float 31.63% Shareholder Structure BKS Bank AG 14.79% 31.03.2021 (incl. subordination syndicate with BVG) 4.50% Wüstenrot Wohnungs- UniCredit Bank Austria AG, Wien 3.41% wirtschaft reg. Gen.m.b.H 23.76% 1.62% Generali 3 Banken Holding AG 4.14% CABO Beteiligungsgesellschaft m.b.H Employees Source: Oberbank AG 7 Roadshow Green Bond | June 2021 As of: 31.03.2021 WE HAVE ONE OF THE OLDEST EMPLOYEE PARTICIPATION PROGRAMMES IN AUSTRIA 4.14 % ~ EUR 130 million of Oberbank belongs to invested by employees our employees 4.14 % since 1994 ~ 2,600 Employees one of the oldest employee employees hold shares participation programme Employee Foundation (Mitarbeiterstiftung) special offers for employees Source: Oberbank AG 8 Roadshow Green Bond | June 2021 As of: 31.03.2021 BUSINESS MODEL Corporate & Business Customers Portfolio Retail Customers ca. 56,000 ca. 284,000 Export & investment (Structured) finance finance, private Real estate equity, finance Retirement Documentary mezzanine & provisioning business & capital, leasing subsidised loans Business Finance Business guarantees Interest rate & Business currency investments & Risk Risk Private banking & Mgmt. Consumer loans & management pension plans asset vehicle leasing Payment management services & cash services management Payment Payment Source: Oberbank AG: Annual Report per 31.12.2020 9 Roadshow Green Bond | June 2021 As of: 31.12.2020 EXPANSION ALSO REFLECTED IN DEVELOPMENT OF LENDING VOLUME 17,265 16,570 15,632 14,411 13,379 12,403 13,102 13,557 12,421 11,413 10,550 +5 % +3.5 % 9,759 +9 % +8 % +3 % +8 % 3,708 2,644 2,829 2,998 3,211 3,468 +11 % +7 % +6 % +7 % +8 % +6.9 % 2015 2016 2017 2018 2019 2020 Retail Loans Corporate Loans Source: Oberbank AG, Annual Reports 2015 to 2020 10 Roadshow Green Bond | June 2021 As of 31.12.2020 | Amounts in EUR billion DISTRIBUTION OF LOANS REFLECTS THE REGIONAL FOCUS SK 3% HU 5% CZ 8% Distribution of DE 17% loans in the Upper Austria, regions Salzburg 45% Lower Austria 8% Vienna 14% Source: Oberbank AG 11 Roadshow Green Bond | June 2021 As of 31.03.2021 EQUITY CONTINUALLY INCREASED OVER THE PAST YEARS 4 bn. 20 % 17.87% Billions 3.11 bn EUR 3 bn. 15 11.61% 2 bn. 10 1.53 bn EUR Equity Tier 1 Capital Ratio* 1 bn. 5 2014 2015 2016 2017 2018 2019 2020 Q1/2021 * Tier 1 Capital Ratio according to Basel III (since 2014) Source: Oberbank Annual Reports 2014 – 2020; 12 Roadshow Green Bond | June 2021 Oberbank Shareholder Report 31.03.2021 WE MEET THE STATUTORY CAPITAL REQUIREMENTS 20.43% MREL* 17.84% 18.17% IST zum 31.12. TREA TLOF 2020 IST zum Requirement* 21.72 % 14.25 % 31.12. As of As of As of IST zum 2020 31.12. 31.12. 31.12. 31.12. As of 2020 28.54 % 17.98 % 2020 2020 2020 31.12.2020 +1.30% SREP Premium 10.55% 8.55% 7.05% Gesetzliches Gesetzliches RegulatoryErfordernis ErfordernisRegulatory Regulatory Requirement Requirement Requirement Harte CETKernkapitalquote Tier 1 Ratio Kernkapitalquote Tier 1 Capital Ratio GesamtkapitalquoteTotal Capital Ratio ▪ * From January 2022 on, Oberbank must fulfill MREL – requirements as prescribed by FMA; MREL= Minimum requirement of eligible liabilities and own funds ; TREA = total risk exposure amount ; TLOF = total liabilities and own funds Source: Oberbank Annual Report 31.12.2020; 13 Prospectus 2021 and Brospectus Supplement No. 1 dated 23.03.2021 Roadshow Green Bond | June 2021 OBERBANK'S INVESTMENT STRATEGY Financial and Industrial Sector Private Equity Other Insurance companies Source: Oberbank AG 14 Roadshow Green Bond | June 2021 As of 31.12.2020 OBERBANK STRATEGY 2025 15 Roadshow Green Bond | June 2021 DIGITALISATION IS A KEY STRATEGIC GOAL: DIGITAL SERVICES IN OUR CORPORATE & PERSONAL BANKING IT Support by Extension of Service and Sales Functions Onboarding Digital Household Online eKYC New Customers Credit Card Planner Consumer Loans Apple Pay Redesign Banking App Online Wertpapier Safe Integration Investor Profile Address Changes Performance Investments Investment Funds Guarantees App optimized Multi-Bank Cash for BC Management iTrader Push Alerts Ability 2020 2021 2022 Source: Oberbank AG 16 Roadshow Green Bond | June 2021 As of 31.12.2020 OBERBANK AT A GLANCE - KEY FIGURES Q1 2021 Profits before Tax Cost-Income-Ratio 59.2 mn. +134.1 mn.1 53.5% + 0,1%n.a.2-P. as of 31.03.2021 Lending Volume Primary Funds + 0.5 bn.3 + 0.7 bn.3 17.8 bn. + 3.0% 16.2 bn. + 4.7% 1 Reference figures: 31.03.2020 2 no informative value 3 Reference figures: 31.12.2020 Source: Oberbank AG 17 Roadshow Green Bond | June 2021 As of 31.03.2021 | Amounts in EUR LONG-TERM DEVELOPMENT OF PROFITS BEFORE TAX 300 276.2 mn. EUR 250 200 167.5 mn. EUR 150 100 50 0 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 18 Source: Oberbank Annual Reports 2002 – 2020 Roadshow Green Bond | June 2021 STABLE COST STRUCTURE Cost-Income-Ratio (CIR) 58.5 % 53.5 % 50.5 % 50.8 % 49.9 % 48.9 % 50.0 % 2015 2016 2017 2018 2019 2020 Q1/2021 Source: Oberbank AG, Annual Reports 2015 – 2020; 19 Oberbank Shareholder Report 31.03.2021 Roadshow Green Bond | June 2021 As of 31.12. and 31.03.2021 respectively LOAN LOSS PROVISIONS Charges for losses on loans Risk Indicators 2017 2018 2019 2020 (in mn. EUR) NPL-Ratio gross* 2.59 % 2.43 % 1.96 % 2.05% 50 45 47.1 41.8 40 35 30 25 28.4 25.0 25.6 20 15 10 12.2 5 0 2015 2016 2017 2018 2019 2020 Source: Oberbank AG, Annual Reports 2015 – 2020; 20 As of 31.12. | As of 31.12.2020; * annual publication Roadshow Green Bond | June 2021 # SUSTAINABILITY 21 Roadshow Green Bond | June 2021 SUSTAINABILITY AT OBERBANK • Clear commitment to the goal of the Paris Climate Agreement to limit global warming to 1.5°C E • Decarbonisation of the credit portfolio by applying limits, exclusion criteria and positive criteria • Impact reporting: measurement and reporting on the impact of our loans (CO2 reduction) Environment • Climate neutrality of own operations (in Scope 1 & Scope 2) by 2025 • Fair employer & employee satisfaction • Sustainable human resources development & active health management S • Employee participation scheme: one of the oldest employee participation schemes in Austria Social • Social responsibility: we support numerous initiatives in our regions • Identification and measurement of ESG risks in our credit portfolio • Proactive stakeholder dialogue as a fixed component of sustainability management G • Commitment to the Austrian Code of Corporate Governance (ÖCGK) Governance • Compliance: high quality training courses guaranteed for all employees 22 Roadshow Green Bond | June 2021 OBERBANK’S CONTRIBUTION TO THE UN SUSTAINABLE DEVELOPMENT GOALS The sustainability ambitions of Oberbank comply with the UN’s sustainable development goals. Minimum of EUR 1.5 billion in sustainable loans to individuals We make concrete, measurable contributions to help achieve the SDGs: 23 Roadshow Green Bond | June 2021 MATERIALITY ANALYSIS AS A BASIS OF THE ESG STRATEGY Focus Areas The results of the materiality analysis are at the heart of Oberbank’s very high Portfolio of sustainable sustainability strategy. Protection of products and lending policy customer data Customer satisfaction Compliance The materiality analysis is high Fair employer Asset the cornerstone of management & making of stakeholders stakeholders of making - Treasury • our sustainability strategy Protect labour rights & ensure safe working environment Corporate Governance moderate Social engagement / Human resources • sustainability goals, measures and
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