International Presence and Activities

VUB COVERED BOND PROGRAMME COVER POOL BASE ASSETS FEATURES (1/3) 25% 20% 15% Origination Year Distribution Residual Maturity Distribution 35.7% 1.8% 10% 21.0% 18.2% 14.0% 12.6% 5% 10.4% 6.1% 1.9% 1.9% 4.9% 6.1% 2.8% 0% 26.7% Before 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2010 Seasoning (months) 6.4% 10.4% <0-5Y> (5-10Y> 19.1% (10-15Y> (15-20Y> (20-25Y> (25-30Y> Arrears Distribution <12-24M) 30% 25% 20% 15% 26.7% 23.7% 10% 21.0% 18.2% 5% 10.4% 0% <12M DAYS IN ARREARS CURRENT BALANCE (in EUR) % 0 3 655 786 168 99.2% 1-30 24 993 133 0.7% 30-60 3 015 847 0.1% 60-90 1 176 565 0.0% <24-36M) <36-60M) (60+> Figures as of 31 December 2020 54 54

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