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Investor Presentaiton

Commercial Real Estate - Offices Office resources (km²) 1,000 800 600 400 200 O - 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Annual supply Total surface resources (right axis) H1 Source: NEWMARK 14,000 Office prime yields (in %) 12,000 10,000 8,000 4.50 3.75 3.90 6,000 3.25 3.40 3.60 2.65 2.75 2.85 2.95 4,000 2,000 Amsterdam 9.50 Office resources by region (%) 2% 5% 1% 10% 8% Source: JLL 2020 Q4 Average price (EUR/m²) and vacancy rate (%) Warsaw Cracow Łódź Wrocław Poznań Lublin 14 12 Katowice Szczecin 10 Tricity 50% 8 14 12% 10% 8% 6% 5% CO 6 6% 4 4% 2 2% 13% Source: NEWMARK 0 0% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 In Poland prime yield is the highest in Europe (4.5%). In Poland, the average rate per m²/EUR of office space is constantly growing, despite the high supply, the vacancy rate is rising. Covered Bonds Investor Presentation H1 Average price [EUR/m2] Source: NEWMARK Vacancy rate [%] (right axis) 45
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