SFIL Annual financial report 2018

external ratings as of January 1, 2019 Key figures as of December 31, 2018 SFIL's consolidated total assets EuR 72.7 billion Loans acquired from LBP in 2018 EuR 3.4 billion Common equity tier 1 ratio (Basel III ‑ fully loaded) 25.1% Net income EuR 63 million Moody's Aa3 DBRS AA(high) Standard & Poor’s AA Bonds issued in 2018 EuR 6.9 billion including EUR 4.9 billion of covered bonds issued by CAFFIL and EUR 2 billion of EMTN issued by SFIL Export credit loans transferred in 2018 EuR 3.8 billion Cost/income ratio on recurring gross operating income 60.3% Permanent contract employees 343