Investor Report. NIBC Covered Bond Company. 15 March 2012

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1 Investor Report NIBC Covered Bond Company 15 March 2012 This document has been prepared by NIBC Bank N.V. The information and opinions contained in this document have been compiled sources believed to be reliable, but no representation or warranty is made as to fairness, completeness or correctness. This document is for information purposes only. NIBC Bank N.V. accepts no liability whatsoever for any loss howsoever arising the use of this document or its contents or otherwise arising in connections therewith. NIBC Bank N.V. may make a market or act as principal in any transaction such as shares or other securities, or may otherwise have a relation with companies mentioned in this document. NIBC Bank N.V. is authorised by De Nederlandsche Bank, Autoriteit Financiële Markten and regulated by the Financial Services Authority for the conduct of designated investment business in the U.K.

2 Asset Cover Test *) A= 564,147, B= 0.00 C= 0.00 D= 0.00 Y= 0.00 Z= 0.00 Total: A+B+C+D-Y-Z 564,147, Outstanding bonds 520,000, Method used for calculating "A" Sum of all Adjusted Current Balances Pass/Fail Pass Asset percentage non NHG loans % Asset percentage NHG loans % Asset percentage German loans % Amount of credit support % LTV cut-off percentage non-nhg loans ***) % LTV cut-off percentage NHG loans ***) % LTV cut-off percentage German loans ***) % Increase indexation % Decrease indexation % Reserve Fund **) 2,601, Covered Bond Report *) Series Tranche Original amount Currency Outstanding amount Interest type Maturity Series number: ,000, EUR 20,000, Fixed June 30, 2012 Series number: ,000, EUR 500,000, Fixed April 01, 2014 Portfolio Characteristics as at February 29, 2012 Total Dutch German Total outstanding current balance of mortgages in the portfolio 726,521, ,889, ,631, Number of mortgages in pool 4,965 2,987 1,978 Average loan balance 146, , , Weighted average original LTFV (original foreclosure value) % % % Weighted average indexed LTFV (indexed foreclosure value) % % % Weighted average seasoning Weighted average coupon 4.69 % 4.61 % 4.90 % Key characteristics All amounts EUR Mortgage pool as of ultimo February 29, 2012 Dutch Assets German Assets Principal amount 739,239, ,607, ,631, Value of the savings deposit 12,717, ,717, Number of loans 4,965 2,987 1,978 Number of loanparts 11,118 6,737 4,381 Average principal balance (borrower) 146, , , Average principal balance (parts) 65, , , First interest reset date 01/02/ /02/ /02/2012 Last interest reset date 01/11/ /11/ /12/2034 Seasoning (months) Maximum current interest rate 8.25 % 7.50 % 8.25 % Minimum current interest rate 0.50 % 0.50 % 2.50 % Weighted average coupon 4.69 % 4.61 % 4.90 % Weighted average maturity *) All calculations are performed 2 CBC Business Days before the CBC Payment Date. **)(i) the Scheduled Interest due on the Floating Rate Covered Bond(s) on the following three Interest Payment Dates and the amounts due pursuant to Interest Rate Swap(s) in the following three CBC Payment Periods, (ii) 0.03 per cent. of the Principal Amount Outstanding of the Covered Bonds, (iii) EUR 25,000 and (iv) the amounts due under items (a) up to and including (d) of the definition of Post Issuer Acceleration Notice Priority of Payments ***) NIBC's Covered Bond programme is UCITS and CRD compliant. Page 1 of 9

3 Dutch Assets Redemption type value % # parts % WAC WAM German Life German Interest Only German Annuity German Enfallig mit BSV German German Fixed Annuity 4,134, % % 4.80 % 5.35 Investment 7,560, % % 4.21 % 4.25 Credit Mortgage 729, % % 5.13 % 0.34 Fixed Mortgage Interest Only 305,247, % 4, % 4.45 % 5.46 Life 76,917, % % 4.40 % 4.91 Lineair 54, % % 4.82 % 5.77 Mixed Annuity Mixed Savings 4,096, % % 4.90 % Bridge Loan Savings Mortgage 65,873, % % 5.30 % Universal Life 64,949, % % 4.92 % 2.83 Unspecified Unit Linked 2,325, % % 4.76 % 4.71 Total 531,889, % 6, % 4.61 % 5.98 Interest reset dates Value % #parts % WAC WAM Floating 1,772, % % 4.97 % 0.00 < ,879, % 2, % 3.70 % ,739, % % 5.02 % ,785, % % 5.16 % ,697, % % 4.56 % ,427, % % 4.65 % ,432, % % 5.21 % ,772, % % 5.25 % ,396, % % 5.59 % ,808, % % 5.21 % ,237, % % 5.27 % ,338, % % 5.52 % ,846, % % 5.14 % ,693, % % 5.23 % ,245, % % 4.45 % ,393, % % 4.51 % ,091, % % 5.09 % ,230, % % 5.22 % , % % 5.81 % , % % 5.35 % , % % 5.19 % ,259, % % 4.97 % ,705, % % 5.20 % , % % 5.01 % , % % 4.61 % ,649, % % 5.10 % ,751, % % 5.17 % , % % 6.17 % , % % 5.40 % > Total 531,889, % 6, % 4.61 % 5.98 Page 2 of 9

4 Geographical distribution Value % #mortgages % WAC WAM Groningen 15,737, % % 4.72 % 7.55 Zeeland 9,789, % % 4.77 % Noord-Brabant 78,444, % % 4.45 % 5.69 Limburg 32,869, % % 4.90 % 9.68 Friesland 18,755, % % 4.68 % 6.79 Drenthe 22,164, % % 4.12 % 6.01 Overijssel 33,441, % % 4.64 % 6.62 Gelderland 59,656, % % 4.62 % 6.38 Flevoland 19,688, % % 4.56 % 4.53 Utrecht 35,610, % % 4.55 % 5.50 Noord-Holland 86,852, % % 4.44 % 4.69 Zuid-Holland 118,879, % % 4.83 % 5.26 Total 531,889, % 2, % 4.61 % 5.98 Loan to original foreclosure value Value % #mortgages % WAC WAM Average % NHG Guarantee 157,758, % % 4.80 % < % 26,435, % % 4.69 % % % 12,062, % % 4.34 % % % 16,820, % % 4.48 % % % 10,683, % % 4.44 % % % 14,034, % % 4.36 % % % 24,096, % % 4.41 % % % 10,622, % % 4.64 % % % 12,448, % % 4.02 % % % 19,920, % % 3.86 % % % 11,298, % % 4.79 % % % 21,311, % % 4.33 % % % 13,442, % % 4.45 % % % 19,420, % % 4.16 % % % 24,799, % % 4.84 % % % 34,363, % % 4.74 % % % 102,096, % % 4.72 % % > 275, % % 2.05 % 0.08 Total 531,889, % 2, % 4.61 % 5.98 Page 3 of 9

5 Loan to indexed foreclosure value Value % #mortgages % WAC WAM Average % NHG Guarantee 157,758, % % 4.80 % < % 47,363, % % 4.85 % % % 17,270, % % 4.63 % % % 11,812, % % 4.60 % % % 17,555, % % 4.53 % % % 13,951, % % 4.57 % % % 12,829, % % 4.20 % % % 15,698, % % 4.41 % % % 14,762, % % 4.45 % % % 19,514, % % 4.09 % % % 19,763, % % 4.32 % % % 23,364, % % 4.58 % % % 32,165, % % 4.58 % % % 37,704, % % 4.47 % % % 24,897, % % 4.52 % % % 22,782, % % 4.53 % % % 18,016, % % 4.67 % % > 24,679, % % 4.49 % 4.27 Total 531,889, % 2, % 4.61 % 5.98 Size of Mortgage Loans Value % #mortgages % WAC WAM < 25, , % % 4.74 % , , ,567, % % 5.28 % , , ,031, % % 5.09 % , , ,098, % % 4.95 % , , ,553, % % 4.90 % , , ,354, % % 4.96 % , , ,365, % % 4.80 % , , ,950, % % 4.57 % , , ,730, % % 4.67 % , , ,531, % % 4.60 % , , ,699, % % 4.57 % , , ,243, % % 4.18 % , , ,165, % % 4.15 % , , ,523, % % 4.21 % , , ,711, % % 4.08 % , , ,407, % % 3.77 % , , ,719, % % 4.73 % , , ,232, % % 4.34 % , , ,693, % % 3.72 % , , ,450, % % 3.44 % , , ,106, % % 3.76 % , , ,860, % % 3.79 % , , ,527, % % 3.39 % , , , ,000, ,000, ,250, ,250, ,500, ,500, > Total 531,889, % 2, % 4.61 % 5.98 Page 4 of 9

6 Origination date Value % #parts % WAC WAM < ,603, % % 5.66 % , % % 6.45 % , % % 5.70 % , % % 6.51 % , % % 6.22 % ,026, % % 6.23 % , % % 6.01 % ,993, % % 6.09 % , % % 5.91 % ,045, % % 5.59 % ,032, % % 5.55 % ,456, % % 5.61 % ,605, % % 5.78 % ,530, % % 6.00 % ,548, % % 5.53 % , % % 5.70 % ,459, % % 5.62 % , % % 6.23 % , % % 5.37 % , % % 5.73 % ,275, % % 5.18 % ,968, % % 5.53 % ,698, % % 5.52 % ,099, % % 5.18 % ,737, % % 5.41 % ,734, % % 5.14 % ,623, % % 4.71 % ,415, % % 4.73 % ,568, % % 5.08 % ,885, % % 4.92 % ,434, % % 4.91 % ,215, % % 4.91 % ,837, % % 4.66 % ,850, % % 4.70 % ,835, % % 4.70 % ,139, % % 4.42 % ,430, % % 4.22 % ,590, % % 4.36 % ,370, % % 4.27 % ,148, % % 4.50 % ,183, % % 4.81 % ,849, % % 4.71 % ,986, % % 4.33 % ,242, % % 4.56 % ,949, % % 4.97 % ,719, % % 5.09 % ,101, % % 4.67 % ,101, % % 3.77 % ,546, % % 3.12 % ,290, % % 2.50 % ,402, % % 2.48 % ,634, % % 4.23 % ,153, % % 4.94 % ,912, % % 4.73 % ,136, % % 4.84 % ,338, % % 4.68 % ,531, % % 4.39 % ,563, % % 4.67 % ,871, % % 4.93 % ,146, % % 4.88 % ,985, % % 4.68 % > 3,547, % % 4.83 % 1.13 Total 531,889, % 6, % 4.61 % 5.98 Property Value % #mortgages % WAC WAM Single family house 371,685, % 2, % 4.64 % 5.97 Single family house with garage 104,149, % % 4.52 % 6.58 Condominium 52,326, % % 4.63 % 5.02 Condominium with garage 2,989, % % 4.13 % , % % 5.70 % 1.30 Shop/private house 139, % % 6.30 % 6.58 business premises 97, % % 5.41 % 3.99 Residential farm 203, % % 2.36 % 0.21 Total 531,889, % 2, % 4.61 % 5.98 Page 5 of 9

7 German Assets Redemption type value % # parts % WAC WAM German Life 6,662, % % 4.86 % 3.25 German Interest Only 2,527, % % 5.31 % 3.99 German Annuity 182,819, % 4, % 4.89 % 3.91 German Enfallig mit BSV 2,621, % % 4.83 % 3.06 German German Fixed Annuity Investment Credit Mortgage Fixed Mortgage Interest Only Life Lineair Mixed Annuity Mixed Savings Bridge Loan Savings Mortgage Universal Life Unspecified Unit Linked Total 194,631, % 4, % 4.90 % 3.88 Interest reset dates Value % #parts % WAC WAM Floating 3,335, % % 4.43 % 0.00 < ,447, % % 5.38 % ,967, % % 4.77 % ,318, % % 5.07 % ,525, % % 4.45 % ,789, % % 5.13 % ,467, % % 5.31 % ,675, % % 5.01 % ,999, % % 5.10 % ,124, % % 4.14 % ,679, % % 4.19 % , % % 4.92 % , % % 4.29 % , % % 4.36 % ,067, % % 4.30 % , % % 5.85 % > Total 194,631, % 4, % 4.90 % 3.88 Page 6 of 9

8 Geographical distribution Value % #mortgages % WAC WAM Baden- 12,458, % % 4.89 % 4.07 Württemberg Bayern 22,869, % % 4.73 % 4.47 Berlin 9,362, % % 4.80 % 3.67 Brandenburg 7,134, % % 4.90 % 3.78 Bremen 2,148, % % 5.09 % 3.00 Hamburg 9,847, % % 4.90 % 3.20 Hessen 23,015, % % 4.87 % 3.42 Mecklenburg- Vorpommern 3,635, % % 4.98 % 3.51 Niedersachsen 15,836, % % 4.96 % 4.05 Nordrhein- 55,678, % % 5.01 % 3.91 Westfalen Rheinland Pfalz 5,776, % % 4.84 % 4.31 Saarland 1,052, % % 4.57 % 2.35 Sachsen 5,979, % % 4.56 % 3.82 Sachsen-Anhalt 2,854, % % 4.89 % 3.40 Schleswig- 15,356, % % 4.92 % 4.19 Holstein Thüringen 1,626, % % 4.64 % 3.29 Total 194,631, % 1, % 4.90 % 3.88 Loan to original foreclosure value Value % #mortgages % WAC WAM Average % NHG Guarantee < % 43,178, % % 4.88 % % % 18,356, % % 4.88 % % % 24,994, % % 4.94 % % % 29,463, % % 4.94 % % % 25,089, % % 4.87 % % % 21,285, % % 4.94 % % % 11,753, % % 4.87 % % % 6,506, % % 4.84 % % % 6,224, % % 5.02 % % % 2,360, % % 4.82 % % % 1,038, % % 4.80 % % % 1,012, % % 4.59 % % % 623, % % 4.95 % % % 608, % % 4.39 % % % 237, % % 4.68 % % % 70, % % 4.50 % % > 1,828, % % 4.39 % 2.96 Total 194,631, % 1, % 4.90 % 3.88 Page 7 of 9

9 Loan to indexed foreclosure value Value % #mortgages % WAC WAM Average % NHG Guarantee < % 48,981, % % 4.89 % % % 22,461, % % 4.87 % % % 27,874, % % 4.92 % % % 26,571, % % 4.90 % % % 24,506, % % 4.90 % % % 13,849, % % 4.95 % % % 11,749, % % 4.92 % % % 5,585, % % 4.94 % % % 4,251, % % 5.00 % % % 2,553, % % 4.80 % % % 1,817, % % 4.85 % % % 1,221, % % 4.93 % % % 338, % % 5.64 % % % 263, % % 4.54 % % % 224, % % 3.69 % % % 329, % % 4.65 % % > 2,050, % % 4.38 % 2.58 Total 194,631, % 1, % 4.90 % 3.88 Size of Mortgage Loans Value % #mortgages % WAC WAM < 25, ,312, % % 4.94 % , , ,959, % % 4.97 % , , ,908, % % 4.96 % , , ,948, % % 4.92 % , , ,669, % % 4.93 % , , ,137, % % 4.90 % , , ,238, % % 4.90 % , , ,518, % % 4.90 % , , ,135, % % 4.74 % , , ,136, % % 4.78 % , , ,018, % % 4.58 % , , ,035, % % 4.81 % , , , % % 3.81 % , , , % % 4.75 % , , , % % 5.55 % , , , % % 4.96 % , , , % % 4.71 % , , , , , % % 4.14 % , , , , , % % 3.75 % , , , , , % % 4.20 % , , , ,000, ,000, ,250, ,250, ,500, ,500, > Total 194,631, % 1, % 4.90 % 3.88 Page 8 of 9

10 Origination date Value % #parts % WAC WAM < ,426, % % 4.58 % ,588, % % 5.40 % ,198, % % 5.66 % ,097, % % 5.33 % ,254, % % 5.45 % , % % 5.88 % , % % 5.65 % ,727, % % 5.38 % ,827, % % 5.29 % ,234, % % 4.99 % ,366, % % 5.05 % ,845, % % 5.70 % ,163, % % 5.82 % , % % 5.69 % , % % 4.94 % , % % 4.98 % , % % 4.99 % ,852, % % 5.44 % ,603, % % 4.90 % ,672, % % 5.62 % ,403, % % 5.30 % ,904, % % 5.72 % ,782, % % 5.74 % ,063, % % 5.38 % ,740, % % 5.09 % ,775, % % 4.78 % ,641, % % 4.65 % ,568, % % 4.69 % ,495, % % 4.89 % ,951, % % 4.90 % ,806, % % 5.05 % ,981, % % 5.12 % ,653, % % 4.85 % ,081, % % 4.37 % ,463, % % 4.06 % ,961, % % 4.07 % ,582, % % 4.11 % ,758, % % 4.16 % , % % 4.97 % , % % 5.13 % , % % 5.00 % , % % 4.28 % , % % 4.66 % , % % 4.22 % , % % 4.58 % , % % 4.50 % , % % 5.03 % , % % 5.54 % , % % 5.25 % ,563, % % 4.79 % , % % 4.72 % ,500, % % 4.89 % , % % 5.23 % , % % 4.66 % , % % 4.70 % , % % 4.57 % ,015, % % 5.13 % , % % 4.80 % , % % 4.63 % , % % 4.97 % > 139, % % 5.24 % 0.00 Total 194,631, % 4, % 4.90 % 3.88 Property Value % #mortgages % WAC WAM 230, % % 4.82 % 3.46 Einfamilienhaus 115,390, % 1, % 4.93 % 3.83 Eigentumswohnung 52,900, % % 4.91 % 3.64 Mehrfamilienhaus 6,983, % % 4.63 % 4.35 Doppelhaushälfte 1,145, % % 4.54 % 6.79 Einfamilienhaus mit Einliegerwohnung 5,711, % % 5.01 % 3.61 Reihenhaus 2,330, % % 4.25 % 7.18 Zweifamilienhaus 9,939, % % 4.76 % 4.43 Total 194,631, % 1, % 4.90 % 3.88 Page 9 of 9

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