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Investor Presentaiton

Issuance Activity Currency PLN Issue date 2015-02-20 EUR 2015-02-25 250.0 PLN 2015-04-15 11.0 EUR 2015-04-24 50.0 EUR 2015-06-24 500.0 PLN 2015-09-17 255.0 PLN 2015-12-02 300.0 PLN 2016-03-09 50.0 EUR 2016-03-23 50.0 PLN 2016-04-28 100.0 PLN 2016-05-11 13.0 EUR 2016-09-28 35.0 EUR 2016-10-26 24.9 EUR 2017-02-01 500.0 PLN 2017-09-29 1,000.0 PLN 2017-10-11 100.0 EUR 2017-10-30 300.0 EUR 2018-04-26 Summary of Mortgage Covered Bonds public issued in 2015-2022. Data as of 2022 H1. Amount (mn) 200.0 20.0 Maturity date Tenor (yr) Coupon WIBOR 6M+78bps Fixed (1.135%) MS + 5bps WIBOR 6M+87bps Fixed (1.285%) MS + 85bps EURIBOR 3M + 69bps WIBOR 3M + 110bps WIBOR 3M + 115bps WIBOR 3M + 120bps EURIBOR 3M + 87bps Fixed (2.91%) MS + 112bps Fixed (2.91%) MS + 112bps Fixed (1.18%) MS +90bps Fixed (1.183%) MS + 80bps Fixed (0.94%) MS + 46bps WIBOR 3M + 75bps WIBOR 3M + 82bps Fixed (0.612%) MS + 40bps Fixed (1.073%) MS + 42bps 2022-04-28 7.2 2022-02-25 7.0 2023-10-16 8.5 2025-04-24 10.0 2020-06-24 5.0 2020-09-10 5.0 2021-09-20 5.8 2021-03-09 5.0 2021-06-21 5.2 2020-04-28 4.0 2020-04-28 4.0 2026-09-20 10.0 2026-09-20 9.9 2024-02-01 7.0 2022-09-10 5.0 2023-09-15 5.9 2022-06-22 4.6 2025-03-05 6.9 300.0 PLN 2018-06-22 2024-06-10 6.0 WIBOR 3M + 58bps 10.0 PLN 2018-10-11 2024-06-10 5.7 WIBOR 3M + 58bps 100.0 PLN 2019-02-22 2028-12-20 9.8 WIBOR 3M + 80bps 300.0 EUR 2019-11-12 2025-09-15 5.9 Fixed (0.242%) MS + 43bps Note: Additional issues: Private placement 2016: EUR 70 mn and PLN 400 mn; 2017: PLN 300 mn and PLN 400 mn; Private placement 2021: PLN 100 mn and PLN 500 mn; 2022: PLN 500 mn and PLN 200 mn Covered Bonds Investor Presentation 26
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