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VUB's Market Share and Financial Services

35% 30% 25% 20% 15% 10% 5% 0% VUB COVERED BOND PROGRAMME COVER POOL BASE ASSETS FEATURES (2/3) 0-10% 10%-20% Loan Purpose Distribution Regional Distribution 11.6% 3.2% 6.8% 8.6% 10.5% ■Construction 36.0% ■Renovation 7.6% 39.4% Purchase 9.3% ■Remortgage 39.1% ■ Bratislava ■Trnava ■Banská Bystrica Nitra ■Trenčín ■Prešov Žilina No purpose ■ Košice 10.0% 11.7% 6.4% Current LTV Distribution 20%-30% Figures as of 31 December 2018 30%-40% 40%-50% %09-%09 60%-70% 70%-80% Property Type Distribution 1.2% 0.8% ■Family House ■Flat 41.1% 56.8% ■Lot ■ Other 52 52

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