International Presence and Activities

CAPITAL STRUCTURE AND LIQUIDITY POSITION →> CET1 ratio reached 16.66% in 2020 Capital Structure Capital Asset Ratio (CAR) at 18.79% 9,212 9,019 9,080 17.18% 17.38% 18.79% 2.13% 17.18% 17.38% Tier 2 ratio 2.29% 2.12% 16.66% CET 1 ratio 14.89% 15.26% 2018 2019 2020 Total Capital Ratio RWA >100 >100 LCR NSFR Figures as of 31 December 2020 based on consolidated basis 18.79% 2018 2019 2020 CAR 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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