SKB d.d., Ljubljana

SKB GROUP GENERATED A NET PROFIT OF 54.1 MILLION EUR IN 2019

The SKB Group operated with success in 2019, increasing its operating profit by 6.1 % compared to 2018, which was achieved
by increasing net banking revenue and reducing operating expenses. The return on equity was 14.8 % in 2019 and the
cost-to-income ratio improved from 49.8 % in 2018 to 47.9 % in 2019. The SKB Group’s good results are the result of the
exceptional work and professionalism of the Group’s employees.