Hyperlinks to 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

Parts* of the publicly available Annual Report NIBC Bank N.V. 2019, published on 25 February 2020:

https://www.nibc.com/media/2478/2019-annual-report-nibc-bank-nv.pdf

Parts* of the publicly available Annual Report NIBC Holding N.V. 2019, published on 25 February 2020:

https://www.nibc.com/media/2483/annual-report-nibc-holding-nv-2019.pdf

Parts* of the publicly available Annual Report NIBC Bank N.V. 2020, published on 4 March 2021:

https://www.nibc.com/media/2887/annual-report-nibc-bank-nv-2020.pdf

Parts* of the publicly available Annual Report NIBC Holding N.V. 2020, published on 4 March 2021:

https://www.nibc.com/media/2886/annual-report-nibc-holding-nv-2020.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://www.nibc.com/media/2256/emtn-prospectus-2019.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 24 June 2020:

https://www.nibc.com/media/2256/emtn-prospectus-2019.pdf

Parts* of the publicly available Condensed Consolidated Interim Report 2021 NIBC Holding 2021, published on 25 August 2021:

https://www.nibc.com/media/2982/20210824-condensed-consolidated-interim-report-2021-nibc-holding-nv-final.pdf

Page 1 up to and including the table “NIBC Holding N.V. - Key Figures” on page 3 of the press release entitled “NIBC reports strong performance in H1 2021 with net profit of EUR 91 million and a strong capital base”, published 25 August 2021:

https://www.nibc.com/media/2979/press-release-nibc-hy-results-2021-final.pdf

The press “NIBC nominates Leni Boeren as member of the Supervisory Board”, published 25 August 2021:

https://www.nibc.com/media/2984/press-release-nibc-nominates-leni-boeren-as-member-of-the-supervisory-board-final.pdf

The press release issued by the Issuer on 19 October 2021 entitled “NIBC EGM approves interim dividend 2021:

https://www.nibc.com/about-nibc/newsroom/newsroom/nibc-egm-approves-interim-dividend-2021/

Page 1 up to and including the table “NIBC Holding N.V. - Key Figures” on page 3 of the press release issued by the Issuer on 04 March 2022 entitled “NIBC reports strong performance with net profit of EUR 182 million over 2021 (2020: EUR 47 million)”:

https://www.nibc.com/media/3126/nibc-press-release-full-year-results-2021-final.pdf

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

https://www.nibc.com/media/3124/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://www.nibc.com/media/3123/annual-report-nibc-holding-nv-2021.pdf

*Please refer to the Offering Circular.

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