International Presence and Activities

VUB COVERED BONDS OUTSTANDING ISSUANCES OVERVIEW (1/2) → EUR 3.3 bln of outstanding covered bonds (the largest in Slovakia) Distribution by Investors 71.3% 28.7% Domestic Institutional Foreign Institutional Distribution by Currency 100.0% EUR Maturity Profile of VUB Covered Bonds Distribution by Original Maturities 0.0% 7.0% 2.0% 33.0% 58.0% <5Y 5-10 Y 10-15 Y >20 Y 15-20 Y EUR mln 800 788 717 700 600 550 500 400 420 300 325 300 168 200 ------ 100 48 0 0 0 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 51 Figures as of 31 December 2020 and over

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