SFIL Group Investor Presentation

ISSUANCE IN THE COVERED AND SSA MARKETS COVERED BOND ISSUER PROFILE Issuer Legal Format Credit Ratings ESG Ratings Risk weighting LCR classification* Maturity structure CRR compliant UCITS compliant CBPP3 eligible ECBC Covered Bond Label CAFFIL Obligations Foncières Aaa/AA+/AAA ISS: Prime C+, MSCI: AA, IMUG: BBB positive (Covered Bonds) 10% (standardized approach) Level 1 Hard bullet only The Level of regulatory over- collateralization stood at 115.8% as of December 31st 2021 is The level of overcollateralization significantly above levels required by rating Agencies: Moody's: 105% ■ S&P: 105% ☐ DBRS: 105% * European Union 22 22 SFIL Group Investor Presentation March 2022

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