Documents incorporated by reference

The most recent Articles of Association of the Issuer:

https://www.nibc.com/media/2064/articles-of-association-nibc-bank-en.pdf ;

The most recent Articles of Association of the CBC:

https://nibc.com/media/kpxbpjet/nibc-sbcb-set-up-2022-deed-of-incorporation-nibc-sb-covered-bond-company-bv-4-april-2022.pdf ;

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

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

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

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

Parts* of the publicly available Annual Report 2023 NIBC Bank N.V., published on 9 March 2024:

https://nibc.com/media/s4ciwzm2/annual-report-nibc-bank-nv-2023.pdf ;

Parts* of the publicly available Condensed Consolidated Interim Financial report 2024 NIBC Bank N.V.:

https://nibc.com/media/1zgm3eg4/condensed-consolidated-interim-report-2024-nibc-bank-nv.pdf;

Parts* of the publicly available Annual Report 2023 NIBC Holding N.V., published on 8 March 2024:

https://nibc.com/media/5h5bks3j/annual-report-nibc-holding-nv-2023.pdf;

Parts* of the publicly available Condensed Consolidated Interim Financial report 2024 NIBC Holding N.V.:

https://nibc.com/media/ao2ogarh/condensed-consolidated-interim-report-2024-nibc-holding-nv.pdf;

the audited financial statements of the CBC for the year ended 31 December 2023:

https://nibc.com/media/4riesvl0/2023-nibc-sb-covered-bond-company-bv-annual-report.pdf;

the press release "NIBC appoints Nick Jue as Chief Executive Officer" issued by the Issuer on 11 September 2024:

https://nibc.com/media/rfvdikbo/news-release-nibc-appoints-nick-jue-as-chief-executive-officer.pdf;

the press release "NIBC reaches agreement on the sale of Beequip to Apollo Funds" issued by the Issuer on 5 September 2024:

https://nibc.com/media/4ktpaqac/news-release-nibc-reaches-agreement-on-the-sale-of-beequip-to-apollo-funds.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 22 August 2024 entitled “NIBC reports solid performance with net profit of EUR 99 million in first half of 2024”:

https://nibc.com/media/vjdbt544/nibc-press-release-half-year-results-2024.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 8 March 2024 entitled "NIBC reports EUR 204 million net profit in 2023, demonstrating strong performance and continued business growth":

https://nibc.com/media/g2chpkiy/nibc-press-release-full-year-results-2023.pdf; and

the press release "Paulus de Wilt to leave NIBC on 31 December 2024" issued by the Issuer on 8 March 2024:

https://nibc.com/media/rqlb2ypr/press-release-paulus-de-wilt-to-leave-nibc-on-31-december-2024.pdf.

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