A N N U A L R E P O R T 2 0 1 9 We declare that the audit opinion contained in the section “<strong>Report</strong> on the annual accounts” corresponds with the additional report to the Supervisory Board under Article 11 <strong>of</strong> the AUD-REG. We declare that we have not provided any services other than auditing services (Article 5 (1) <strong>of</strong> the AUD-REG) and that in carrying out the audit we have maintained our independence from the audited company. Auditor responsible for the assignment The auditor responsible for the audit assignment is Mr. Georg Blazek. Vienna, dated 27 March 2020 KPMG Austria GmbH Wirtschaftsprüfungs- und Steuerberatungsgesellschaft Mag. Georg Blazek Certified Public Accountant 72
<strong>Euram</strong> <strong>Bank</strong> AG Palais Schottenring Schottenring 18 1010 Vienna, Austria Tel. +43 1 512 38 80 0 Fax +43 1 512 38 80 888 <strong>of</strong>firstname.lastname@example.org www.eurambank.com Concept, design and production die3 Agentur für Werbung und Kommunikation GmbH Print Druckerei Thurnher This is a translation from German. In case <strong>of</strong> any discrepancies between the English and the German version the German text shall prevail.