International Presence and Activities

SECOND LARGEST IN SLOVAKIA Bank Shareholder structure Total assets Market share CAR CET1 (EUR bln) (%) (%) (%) Slovenská sporiteľňa Erste Bank 100% 20.3 22.4 18.3 14.7 Intesa Sanpaolo VUB 18.2 20.1 18.8 16.6 97.03% Raiffeisen Bank Tatra banka 15.0 16.5 19.2 16.4 79% KBC ČSOB 9.6 10.6 20.2 17.6 100% J&T Finance 51.7% Poštová banka 4.4 4.8 17.3 17.1 J&T Banka 36.4% Penta Investments Prima banka 4.5 4.9 17.9 16.7 99.5% Erste Bank 35% PSS Raiffeisen 32.5% 2.9 3.3 Bausparkasse 32.5% OTP Bank OTP banka 1.4 1.5 15.7 14.3 99.2% Source: NBS, Individual financial statements as of 30 September 2020 26

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