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VUB's Market Share and Financial Services

VUB COVERED BONDS OUTSTANDING ISSUANCES OVERVIEW (1/2) → EUR 2.3 bln of outstanding covered bonds (the largest in Slovakia) Distribution by Investors 0.9% 49.2% 49.9% Domestic Small/Retail Foreign Institutional Domestic Institutional Distribution by Currency 2.1% 97.9% EUR USD Maturity Profile of VUB Covered Bonds Distribution by Original Maturities 2.1% 9.7% 2.3% 27.1% 58.8% <5Y 10-15 Y >20 Y 5-10 Y 15-20 Y EUR mln 450 400 350 300 250 200 150 258 236 100 420 300 288 217 325 218 50 48 0 T T T 0 T 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 and over 48 Figures as of 31 December 2018

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