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Documents incorporated by reference

NIBC Investor 01

The most recent Articles of Association of the Issuer:

https://www.nibc.com/media/axrl2je3/articles-of-association-nibc-bank-en.pdf

Parts* of the publicly available Annual Report NIBC Bank N.V. 2021, published on 4 March 2022:

https://nibc.com/media/g3bfecrd/annual-report-nibc-bank-nv-2021.pdf

Parts* of the publicly available Annual Report NIBC Holding N.V. 2021, published on 4 March 2022:

https://nibc.com/media/kldcw2xg/annual-report-nibc-holding-nv-2021.pdf;

Parts* of the publicly available Annual Report NIBC Bank N.V. 2022, published on 3 March 2023:

https://nibc.com/media/usvces4m/annual-report-nibc-bank-nv-2022.pdf;

Parts* of the publicly available Annual Report NIBC Holding N.V. 2022, published on 3 March 2023:

https://nibc.com/media/yqfbccr2/annual-report-nibc-holding-nv-2022.pdf;

The terms and conditions (including the form of final terms) set out on pages 63-173 of the offering circular prepared by the Issuer in connection with the Programme dated 27 June 2019:

https://nibc.com/media/y33hhjpw/emtn-prospectus-2019.pdf;

The terms and conditions (including the form of final terms) set out on pages 65-182 of the offering circular prepared by the Issuer in connection with the Programme dated 24 June 2020:

https://nibc.com/media/dyng0mr4/nibc-emtn-u20-offering-circular.pdf;

The terms and conditions (including the form of final terms) set out on pages 63-156 of the offering circular prepared by the Issuer in connection with the Programme dated 25 June 2021:

https://nibc.com/media/15bo05bx/nibc-emtn-u21-offering-circular.pdf;

The terms and conditions (including the form of final terms) set out on pages 65-1182 of the offering circular prepared by the Issuer in connection with the Programme dated 27 June 2022:

https://nibc.com/media/54jpxcri/nibc-emtn-u22-offering-circular.pdf

Parts* of the publicly available Condensed Consolidated Interim Financial report 2023 NIBC Bank N.V, published on 17 August 2023:

https://nibc.com/media/ge1ht0sb/condensed-consolidated-interim-report-2023-nibc-bank-nv.pdf ;

Parts* of the publicly available Condensed Consolidated Interim Financial report 2023 NIBC Holding N.V., published on 17 August 2023:

https://nibc.com/media/ge1ht0sb/condensed-consolidated-interim-report-2023-nibc-bank-nv.pdf ;

Parts* of the publicly available Condensed Consolidated Interim Financial report 2022 NIBC Holding N.V., published on 18 August 2022:

https://nibc.com/media/wjajqwk5/20220817-condensed-consolidated-interim-report-2022- nibc-holding-nv.pdf ;

Page 1 up to and including the table “NIBC Holding N.V. - Key Figures” on page 2 of the press release issued by the Issuer on 17 August 2023 entitled “NIBC posts strong performance in H1 2023 with EUR 103 million net profit and shows continued growth”:

https://nibc.com/media/otxfjsid/nibc-press-release-h1-2023-results.pdf

*Please refer to the Offering Circular or supplement(s).

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