SFIL Group Investor Presentation

GROUP FUNDING STRATEGY STRONG AND DIVERSIFIED INVESTOR BASE Distribution - In Volume Distribution 2021 Per Region 6% 3% 8% 11% 10% 30% 32% 19% 2021 In Volume Per Investor type 9% 46% Since 2013, 635 different investors have participated in benchmark transactions by the group Strong diversification between the investor base of SFIL in the SSA market and the investor base of CAFFIL in the covered bond market Green and social bond issuance has contributed to further widen the investor base over recent years 26% ■Germany/Austria ▪ France ■ UK ■ Banks ■ AM ■ CB/OI Insurance ■ Nordics ■ Others ■ Southern Europe Benelux 29 29 SFIL Group Investor Presentation March 2022

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