VUB's Market Share and Financial Services

CAPITAL STRUCTURE AND LIQUIDITY POSITION -> CET1 ratio reached 14.89% in 2018 8,476 8,542 9,212 17.18% 18.24% 17.18% 2.47% 2.45% 2.29% 14.73% 15.77% 14.89% Capital Structure Capital Asset Ratio (CAR) at 17.18% 2016 2017 2018 □ CET1 ratio □ Tier 2 ratio Total Capital Ratio RWA >100 >100 LCR NSFR Figures as of 31 December 2018 based on consolidated basis 17.18% 18.24% 2016 2017 2018 CAR 17.18% Liquidity Position Liquidity Coverage Ratio (LCR): well above Basel 3 requirements (set to 100%) and above recommendation of National Bank of Slovakia (buffer set to 115%) Net Stable Funding Ratio (NSFR) well above Basel 3 requirements (set to 100%) 29

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