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International Presence and Activities

VUB COVERED BOND PROGRAMME PROGRAMME KEY FEATURES Issuer Rating Programme size Všeobecná úverová banka, a.s. (VUB) Aa2 (Moody's) EUR 5,000,000,000 Total CB Outstanding (nominal) EUR 3,315,304,192 Cover pool Prime Slovak residential mortgage loans Overcollateralization Minimum OC Slovak Law 5% Current OC 12.17% Governing Law Slovak Maturity type 12/24 months soft-bullet feature Paying Agent Všeobecná úverová banka, a.s. (VUB) Programme Monitor Listing Clearing Independent party appointed by the NBS Burza cenných papierov v Bratislave, a.s. (Bratislava Stock Exchange), Luxembourg Stock Exchange Slovak CSD/Euroclear/Clearstream Figures as of 31 December 2020 48

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