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VUB's Market Share and Financial Services

VUB COVERED BOND PROGRAMME COVER POOL BASE ASSETS FEATURES (1/3) Origination Year Distribution Residual Maturity Distribution 2.8% 12.8% 17.9% 3.4% ■before 2011 9.9% <0-5Y> 2011 3.4% 30.8% ■ 2012 14.1% ■(5-10Y> 5.2% ■2013 ■(10-15Y> 19.0% 9.3% ■2014 ■(15-20Y> ■2015 20.9% ■(20-25Y> ■2016 21.7% 10.5% 18.6% 2017 ■2018 ■(25-30Y> Seasoning (years) Arrears Distribution 20.0% DAYS IN ARREARS CURRENT BALANCE (in EUR) % 0 2,489,432,062 98.4% 1-30 30,393,382 1.2% 30-60 6,792,575 0.3% 60-90 1,563,578 0.1% 20% 18% 15.3% 16% 13.6% 14% 12% 10.6% 10% 8% 6% 4% 9.4% 8.7% 5.8% 4.4% 4.7% 4.8% 2.7% 2% 0% 0-1 1-2 2-3 3-4 4-5 5-6 6-7 7-8 8-9 9-10 10-20 Figures as of 31 December 2018 51

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