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VUB's Market Share and Financial Services

SECOND LARGEST IN SLOVAKIA Bank Shareholder structure Total assets Market share CAR CET1 (EUR bln) (%) (%) (%) Slovenská sporiteľňa Erste Bank 100% 17.4 21.8 17.8 14.8 Intesa Sanpaolo VUB 16.4 20.4 17.6 15.3 97.03% Raiffeisen Bank Tatra banka 12.9 16.2 17.9 14.6 79% KBC ČSOB 8.5 10.6 19.4 16.9 100% J&T Finance 51.7% Poštová banka 4.3 5.3 J&T Banka 36.4% Penta Investments Prima banka 3.6 4.5 99.5% Erste Bank 35% PSS Raiffeisen 32.5% 3.1 3.8 Bausparkasse 32.5% OTP banka OTP Bank 99.2% 1.4 1.8 Source: NBS, Individual financial statements as of 31 December 2018 26 26

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