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International Presence and Activities

VUB COVERED BOND PROGRAMME COVER POOL BASE ASSETS FEATURES (2/3) 35% 30% Loan Purpose Distribution 9.5% 7.8% 1.8% Regional Distribution 9.2% 9.9% 7.1% Construction 41.5% 39.4% Renovation 8.8% Purchase Remortgage No purpose Current LTV Distribution 25% 20% 16.1% 15% 10.7% 10% 7.4% 4.5% 5% 2.2% 0.5% 0% 24.1% 34.4% ----- 0%-10% 10%-20% 20%-30% 30%-40% 40%-50% 50%-60% 60%-70% 70%-80% Figures as of 31 December 2020 Bratislava 36.3% Trnava Banská Bystrica Nitra Trenčín Prešov 10.4% Žilina 11.9% 6.5% Košice Property Type Distribution 43.6% 0.9% 0.4% Family house Flat Lot Other 55.1% 55

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