Securing and strengthening the very good capital and solvency situation over the long term by active capital management

VIG Holding has very good capital resources. Maintaining this good capital base in the future is also important to us, both to allow us to take advantage of profitable growth opportunities and to cushion the effects of unexpected or extraordinary events. Capital management focuses on subordinated long-term liabilities with equity-like characteristics. VIG Holding also places great importance on permanently maintaining a strong credit rating with Standard & Poor’s (S&P). VIG Holding is regularly rated by S&P.