Investment products in focus

Important legal information

This information is a promotional communication and no investment advice.

These financial products are offered to the public in Austria. The legal basis are the Final Terms and the (base) prospectus plus supplements, if any, which are therefore binding exclusively. According to various EU Regulations and the Austrian Capital Markets Act [KMG] a prospectus is required for these products: see the Prospectus Regulation (EU) 2017/1129 and Commission Delegated Regulations (EU) 2019/980 and (EU) 2019/979. The prospectus was prepared by the issuer and approved by the competent authority of the home Member State. However, this does not mean that the authority recommends the specific security. For certain so-called "packaged investment products" within the meaning of the PRIIPs Regulation a key information document ("KID") is also required by law. That document describes the main features of the relevant financial product.

Apart from the described rewards, investing in securities may also involve risks. We are not allowed to offer, sell, resell or deliver this financial product directly or indirectly to natural or legal persons who are domiciled or whose registered office is in a country in which this is prohibited by law. In such a case we are not allowed to offer any product information either. This particularly applies to the USA and "US Persons" as defined in Regulation S under the Securities Act of 1933 as amended.

Please note. You are about to acquire a product that may be difficult to understand. Before you make an investment decision, we recommend that you read the full information on the relevant financial product:

• the (base) prospectus
• the Final Terms
• addenda, if any, and
• the key information document (KID) if any

These documents can be obtained free of charge from here:
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• Regarding bonds of Erste Group Bank AG:
  Erste Bank der oesterreichischen Sparkassen AG, Am Belvedere 1, 1100 Vienna
  You may also retrieve the documents electronically:
  https://www.erstegroup.com/en/about-us/erste-group-issues/prospekte/anleihen or https://www.erstegroup.com/en/about-us/erste-group-issues

• Regarding bonds of Erste Bank Oesterreich:
  Erste Bank der oesterreichischen Sparkassen AG, Am Belvedere 1, 1100 Vienna
  You may also retrieve the documents electronically: https://erstebank.at/prospekte/drp or https://www.sparkasse.at/erstebank/rechtliche-dokumente/erste-bank-emissionen

• Regarding bonds of Erste Bank Oesterreich:
  Erste Bank der oesterreichischen Sparkassen AG, Am Belvedere 1, 1100 Vienna
  You may also retrieve the documents ectronically: 
  https://erstebank.at/prospekte/srp or https://www.sparkasse.at/erstebank/rechtliche-dokumente/erste-bank-emissionen

• Regarding bonds of BNP Paribas:
  BNP Paribas Emissions- und Handelsgesellschaft mbH, Europa-Allee 12, 60327 Frankfurt am Main
  You may also retrieve the documents electronically: https://derivate.bnpparibas.com/service/basisprospekte/ and https://derivate.bnpparibas.com/zertifikate/

Please also note our client information:

Our analyses and conclusions are of a general nature and do not take into account the personal characteristics of our investors in terms of experience and knowledge, the investment objective, the financial situation, the financial loss-bearing capacity or risk tolerance. 

Conflicts of interest: 
Erste Group Bank AG is affiliated with Erste Bank and the Austrian savings banks (Sparkassen).
 

Erste Bank Oesterreich is affiliated with Erste Group Bank AG and the Austrian savings banks (Sparkassen).
 

Date: November 2025