Investor Presentaiton

Fundamentally Robust and Well-capitalised Banking System ARDAL 4.0 3.0 2.0 1.0 Asset Quality 0.0 2017 2018 2019 2020 2021 INPLS (LHS) NPLs Net of Provisions as % of Capital (RHS) Capital Adequacy 8 122 % 6420 14 21.0 20.0 10 19.0 18.0 17.0 16.0 15.0 2017 2018 2019 2020 2021 -Tier 1 capital to RWA Capital to RWA Supported by measures extended by the National Bank of Slovakia, together with the ECB and European Banking Authorities, the banking sector is well capitalized, liquid, and profitable ✓ Non-performing loans are on a downwards trend ✓ Large capital buffers This gives banking system sufficient capital buffers to withstand a wide range of shocks 42 Source: IMF IV

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