de Volksbank N.V. Monthly Investor Report Dutch National ... · Issuer de Volksbank N.V. / / - /...

Intertrust Administrative Services B.V.

de Volksbank N.V.

Monthly Investor Report

Dutch National Transparency TemplateCovered Bond

Reporting Period: 1 May 2020 - 31 May 2020

Reporting Date: 25 June 2020

AMOUNTS ARE IN EURO

Report Version 2.2 - October 2017



Table of Contents

Page

Covered Bonds 3

Asset Cover Test 5

Counterparty Credit Ratings & Triggers 6

Ledgers & Investments 7

Regulatory Information 8

Stratifications 9

Glossary 27

Contact Information 29

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Investor Report: 1 May 2020 - 31 May 2020

Covered Bonds

Series ISIN Currency Initial Principal Balance*

Outstanding Amount* Coupon Issuance

DateMaturity

Date IRS Counterparty Redemption Type

LCR HQLA Category

Series 5 XS0378976392 EUR 10,000,000 10,000,000 5.4700% 01/08/08 01/08/30 Commerzbank Soft Bullet No

Series 6 XS0379575268 EUR 10,000,000 10,000,000 5.5000% 08/08/08 08/08/31 de Volksbank N.V. Soft Bullet No

regCB2 EUR 20,000,000 20,000,000 4.2400% 06/07/10 06/07/40 Unicredit Bank Soft Bullet No

regCB3 EUR 65,000,000 65,000,000 4.2500% 12/07/10 12/07/30 DZ Bank AG Soft Bullet No



regCB6 EUR 20,000,000 20,000,000 4.1000% 15/07/10 15/07/30 Commerzbank Soft Bullet No




Series 10 XS0544664989 EUR 1,000,000,000 1,000,000,000 3.5000% 22/09/10 28/09/20 Societe Generale Soft Bullet 1

regCB11 EUR 10,000,000 10,000,000 3.3800% 18/10/10 15/09/20 Commerzbank Soft Bullet No


Series 12 XS1508404651 EUR 500,000,000 500,000,000 0.7500% 24/10/16 24/10/31 Soft Bullet 1

Series 13 XS1559895054 EUR 50,000,000 50,000,000 1.6170% 02/02/17 02/02/37 Soft Bullet No





























Series 42 EUR 5,000,000 5,000,000 1.6240% 22/10/18 22/10/37 Soft Bullet No













* Amounts to be reported in the relevant currency, and also the euro-equivalent amounts

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de Volksbank N.V.


The issuer believes that, at the time of issuance and based on transparency data made publicly available by the issuer, the above listed bonds meet the eligibility criteria for classification as a Level1 or Level 2A asset (as specified in the column LCR HQLA Category) in accordance with Chapter 2 of the LCR delegated act. It should be noted that whether or not a bond is a liquid asset for thepurposes of the Liquidity Coverage Ratio under Regulation (EU) 575/2013 is ultimately a matter to be determined by the relevant investor or institution and its relevant supervisory authority and theissuer does not accept any responsibility in this regard.

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de Volksbank N.V.


Asset Cover Test

Asset Cover Test

A 4,656,619,224.62

B 0.00

C 0.00

D 0.00

Y1 11,236,597.53

Y2 0.00

Z 0.00

A+B+C+D-Y1-Y2-Z 4,645,382,627.09

Outstanding bonds 4,384,000,000.00

Pass/Fail Pass

ACT Cover Ratio 105.96%

Parameters

Asset percentage 81.00%

Cap LTV Cut-Off indexed valuation % non-NHG 80.00%

Cap LTV Cut-Off indexed valuation % NHG 80.00 %

% of Index Increases 100.00%

% of Index Decreases 100.00%

Reserve Fund 0.00

Supplemental Liquidity Reserve Amount 0.00

Deduction Set-Off 0.00

Ratings

S&P NR

Moody's Aaa

Fitch AAA

Other

UCITS compliant True

CRR compliant True

ECBC Label compliant True

Overcollateralisation

Legally required minimum OC 5.00%

Documented minimum OC 23.50%

Available Nominal OC 35.32%

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de Volksbank N.V.


Counterparty Credit Ratings & Triggers

S&P (ST/LT) Moody's (ST/LT) Fitch (ST/LT) DBRS (ST/LT)

Role Party Rating trigger

Current rating

Rating trigger

Current rating

Rating trigger

Current rating

Rating trigger

Current rating

Consequence if breached*

Account Bank Rabobank Nederland / / P-1 / - P-1 / - F1 / A F1+ / AA- / / Replacement of GIC Provider or obtain guarantee

Collection Account Provider

de Volksbank N.V. / / - / Baa1 / A3 F1 / A F1 / A- / / Post collateral, or establish reserve funds, or obtain a

eligible guarantee

Collection Account Provider

Rabobank Nederland / / - / Baa1 - / Aa3 F1 / A F1+ / AA- / / Post collateral, or establish reserve funds, or obtain a

eligible guarantee

Interest Rate Swap Counterparty

Commerzbank / / P-1 (cr) / A2 (cr)

P-1 (cr) / A1 (cr)

F1 / A F2 / BBB / / Interest Rate & Structured Swap Trigger


DZ Bank AG / / P-1 (cr) / A2 (cr)

P-1 (cr) / Aa1 (cr)

F1 / A F1+ / AA- / / Interest Rate & Structured Swap Trigger


Natixis S.A. / / P-1 (cr) / A2 (cr)

P-1 (cr) / Aa3 (cr)

F1 / A F1 / A+ / / Interest Rate & Structured Swap Trigger


Natwest Markets / / P-1 (cr) / A2 (cr)

P-2 (cr) / A3 (cr)

F1 / A F1 / A+ / / Interest Rate & Structured Swap Trigger


Societe Generale / / P-1 (cr) / A2 (cr)

P-1 (cr) / A1 (cr)

F1 / A F1 / A- / / Interest Rate & Structured Swap Trigger


Unicredit Bank / / P-1 (cr) / A2 (cr)

P-1 (cr) / A1 (cr)

F1 / A F2 / BBB / / Interest Rate & Structured Swap Trigger

Issuer de Volksbank N.V. / / - / Baa3 (cr)

- / Aa3 (cr) - / BBB- - / A- / / Asset monitor trigger

Issuer de Volksbank N.V. / / P-1 (cr) / - P-1 (cr) / - F1 / A F1 / A- / / Item Y1 of Asset Cover Test is activated

Issuer de Volksbank N.V. / / - / Baa1 A3 (cr) F2 / BBB F1 / A- / / Item Y2 of Asset Cover Test is activated

Issuer de Volksbank N.V. / / P-1 (cr) / - P-1 (cr) / - F1 / A F1 / A- / / Reserve fund build up trigger

Servicer de Volksbank N.V. / / - / Baa3 / A3 - / BBB- / A- / / Negotiate agreement with a back-up servicer

Total Return Swap Provider

de Volksbank N.V. (as TRS provider)

/ / P-1 (cr) / A2 (cr)

P-1 (cr) / Aa3 (cr)

F1 / A F1 / A- / / Novation Trigger

Total Return Swap Stand-by Facility Provider

Natwest Markets / / P-1 (cr) / A2 (cr)

P-2 (cr) / A3 (cr)

F1 / A F1 / A+ / / Total return swap Stand-by first counterparty (collateral posting)


Rabobank Nederland / / P-1 (cr) / A2 (cr)

P-1 (cr) / Aa2 (cr)

F1 / A F1+ / AA- / / Total return swap Stand-by first counterparty (collateral posting)

* Event is triggered if credit rating is below the rating as mentioned in the table

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Revenue Ledger 0.00

Principal Ledger 0.00

Reserve Fund Ledger 0.00

Total 0.00

Ledgers & Investments

Ledgers

Substitution Assets Balance 0.00

Authorised Investments Balance 0.00

Total 0.00

Investments

Outflows 74,980,960.40

Required Liquidity Buffer

Inflows

Cash

74,980,960.40

158,141,118.18

35,952.09

Bonds

Available Liquidity Buffer 158,177,070.27

Liquidity Buffer

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Regulatory Information

CRR Article 129

Article 129 CRR "Exposures in the form of covered bonds"(7) Exposures in the form of covered bonds are eligible for preferential treatment, provided that the institution investing in the covered bonds can demonstrate to the competent authorities that:(a) it receives portfolio information at least on:

(i) the value of the covered pool and outstanding covered bonds;

value of the cover pool table Portfolio characteristics

value of the outstanding covered bonds table Covered Bonds

(ii) the geographical distribution and type of cover assets, loan size, interest rate and currency risks;

geographical distribution of cover assets table 14 Geographical Distribution

type of cover assets table Portfolio Characteristics

loan size table 3 Outstanding Loan Amount

interest rate risk and currency risk table Covered Bonds for coupon and currency information of the covered bonds

table 10 Coupon for coupons of mortgages

table Counterparty Ratings & Triggers for IRS/TRS information

See base prospectus for information about hedging

Only EUR denominated mortgages: see BP

(iii) the maturity structure of cover assets and covered bonds; and

maturity structure of cover assets table 6 Legal Maturity

maturity structure of covered bonds table Covered Bonds

(iv) the percentage of loans more than ninety days past due;

table 1 Delinquencies

(b) the issuer makes the information referred to in point (a) available to the institution at least semi annually.

table Portfolio Characteristics

Overcollateralisation

Legally required minimum OC table Asset Cover Test

Documented minimum OC table Asset Cover Test

Nominal OC table Asset Cover Test

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Stratifications

Portfolio Characteristics

Principal amount 5,932,647,512.26

Value of saving deposits 182,649,422.31

Net principal balance 5,749,998,089.95

Construction Deposits 0.00

Net principal balance excl. Construction and Saving Deposits 5,749,998,089.95

Number of loans 34,121

Number of loanparts 64,335

Average principal balance (borrower) 173,870.86

Average principal balance (loanpart) 92,214.93

Weighted average current interest rate 2.58%

Weighted average maturity (in years) 19.57

Weighted average remaining time to interest reset (in years) 6.99

Weighted average seasoning (in years) 9.72

Weighted average CLTOMV 71.81%

Weighted average CLTIMV 59.11%

Maximum current interest rate 9.20%

Minimum current interest rate 0.34%

Type of cover assets: Dutch Residential Mortgages

Currency Portfolio: EUR

Frequency of publication National Transparancy Template: Monthly

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de Volksbank N.V.


1. Delinquencies

From (>) - Until (<=) Arrears Amount Aggregate Outstanding Amount % of Total Nr of Loans % of Total Weighted Average Coupon

Weighted Average Maturity

Weighted Average CLTIMV

Performing 0.00 5,850,431,590.60 98.61% 33,745 98.90% 2.58% 19.58 59.00%

<= 30 days 159,030.23 56,309,711.07 0.95% 262 0.77% 2.74% 18.50 66.49%

> 30 days - <= 60 days 156,374.04 25,340,670.99 0.43% 111 0.33% 2.75% 19.82 66.12%

> 60 days - <= 90 days 2,400.11 565,539.60 0.01% 3 0.01% 2.57% 16.80 70.20%

> 90 days - <= 120 days

> 120 days - <= 180 days

> 180 days

Total 317,804.38 5,932,647,512.26 100.00% 34,121 100.00% 2.58% 19.57 59.11%

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2. Redemption Type

Description Aggregate Outstanding Amount % of Total Nr of Loanparts % of Total Weighted Average Coupon



Annuity 1,320,404,424.07 22.26% 16,291 25.32% 2.30% 25.64 62.07%

Bank Savings 252,170,542.98 4.25% 2,644 4.11% 3.18% 16.74 69.69%

Interest only 3,775,834,822.88 63.65% 38,613 60.02% 2.60% 18.18 56.46%

Investment 193,331,557.08 3.26% 1,861 2.89% 2.69% 15.12 67.48%

Lineair 126,978,468.69 2.14% 1,735 2.70% 2.16% 24.36 55.67%

Savings 263,927,696.56 4.45% 3,191 4.96% 3.37% 12.59 67.53%

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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3. Outstanding Loan Amount

From (>) - Until (<=) Aggregate Outstanding Amount % of Total Nr of Loans % of Total Weighted Average Coupon



<= 25.000 1,331,666.49 0.02% 59 0.17% 2.70% 13.89 17.11%

25,000 - 50,000 42,176,694.89 0.71% 1,013 2.97% 2.49% 17.44 22.49%

50,000 - 75,000 149,843,067.58 2.53% 2,323 6.81% 2.56% 17.85 31.68%

75,000 - 100,000 342,957,711.53 5.78% 3,827 11.22% 2.60% 18.37 40.61%

100,000 - 150,000 1,194,296,483.97 20.13% 9,439 27.66% 2.58% 19.13 52.57%

150,000 - 200,000 1,305,694,152.07 22.01% 7,487 21.94% 2.60% 19.36 61.10%

200,000 - 250,000 1,033,978,870.33 17.43% 4,616 13.53% 2.64% 19.78 65.42%

250,000 - 300,000 677,876,392.34 11.43% 2,480 7.27% 2.58% 20.21 64.88%

300,000 - 350,000 359,572,776.80 6.06% 1,109 3.25% 2.55% 20.67 63.61%

350,000 - 400,000 292,128,403.18 4.92% 782 2.29% 2.54% 19.77 63.43%

400,000 - 450,000 144,032,544.69 2.43% 339 0.99% 2.55% 20.62 66.43%

450,000 - 500,000 96,839,058.01 1.63% 203 0.59% 2.51% 20.70 65.17%

500,000 - 550,000 79,150,747.48 1.33% 151 0.44% 2.50% 21.36 70.03%

550,000 - 600,000 50,407,178.92 0.85% 87 0.25% 2.40% 20.99 67.96%

600,000 - 650,000 31,951,561.10 0.54% 51 0.15% 2.49% 20.64 67.48%

650,000 - 700,000 24,401,519.36 0.41% 36 0.11% 2.50% 19.10 60.98%

700,000 - 750,000 21,113,065.41 0.36% 29 0.08% 2.33% 22.42 68.92%

750,000 - 800,000 16,441,483.76 0.28% 21 0.06% 2.57% 18.40 63.22%

800,000 - 850,000 9,954,966.48 0.17% 12 0.04% 2.13% 16.80 56.40%

850,000 - 900,000 14,092,333.34 0.24% 16 0.05% 2.47% 18.36 67.32%

900,000 - 950,000 7,468,699.06 0.13% 8 0.02% 2.29% 18.92 68.61%

950,000 - 1,000,000 7,899,210.47 0.13% 8 0.02% 2.81% 18.61 64.91%

> 1.000.000 29,038,925.00 0.49% 25 0.07% 2.46% 18.28 65.59%

Unknown

Total 5,932,647,512.26 100.00% 34,121 100.00% 2.58% 19.57 59.11%

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4. Origination Year

From (>) - Until (<=) Aggregate Outstanding Amount % of Total Nr of Loanparts % of Total Weighted Average Coupon



1999 42,604,448.35 0.72% 599 0.93% 2.61% 11.29 38.06%

1999 - 2000 105,222,727.45 1.77% 1,324 2.06% 2.72% 11.59 42.53%

2000 - 2001 71,201,884.84 1.20% 844 1.31% 2.83% 11.23 49.43%

2001 - 2002 121,574,016.72 2.05% 1,345 2.09% 2.78% 12.80 52.77%

2002 - 2003 262,952,729.55 4.43% 2,799 4.35% 2.71% 13.05 53.64%

2003 - 2004 330,913,173.80 5.58% 3,725 5.79% 2.64% 13.70 56.32%

2004 - 2005 452,130,426.49 7.62% 5,026 7.81% 2.67% 14.59 60.42%

2005 - 2006 571,727,854.20 9.64% 5,626 8.74% 2.63% 15.64 59.54%

2006 - 2007 471,675,203.93 7.95% 4,395 6.83% 2.84% 16.63 59.67%

2007 - 2008 372,674,519.23 6.28% 3,596 5.59% 2.84% 17.58 65.45%

2008 - 2009 441,174,373.27 7.44% 4,220 6.56% 2.52% 18.49 61.11%

2009 - 2010 271,085,618.49 4.57% 2,899 4.51% 2.86% 18.99 63.87%

2010 - 2011 154,612,181.07 2.61% 1,697 2.64% 3.28% 19.27 62.24%

2011 - 2012 62,324,322.80 1.05% 760 1.18% 3.38% 18.80 61.81%

2012 - 2013 79,880,375.36 1.35% 999 1.55% 3.04% 18.29 57.28%

2013 - 2014 130,108,404.90 2.19% 1,610 2.50% 3.24% 22.82 49.63%

2014 - 2015 292,420,434.92 4.93% 3,400 5.28% 2.71% 24.39 53.92%

2015 - 2016 401,271,473.69 6.76% 4,684 7.28% 2.37% 25.38 55.17%

2016 > 1,297,093,343.20 21.86% 14,787 22.98% 2.08% 26.93 62.68%

Unknown

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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5. Seasoning




1 Year 60,321,468.05 1.02% 789 1.23% 1.90% 27.81 74.74%

1 Year - 2 Years 371,580,094.38 6.26% 4,094 6.36% 2.12% 27.39 68.46%

2 Years - 3 Years 631,430,799.24 10.64% 7,218 11.22% 2.07% 26.85 60.63%

3 Years - 4 Years 469,314,814.87 7.91% 5,498 8.55% 2.14% 25.88 55.08%

4 Years - 5 Years 400,586,915.64 6.75% 4,559 7.09% 2.63% 24.77 55.60%

5 Years - 6 Years 149,798,367.64 2.52% 1,828 2.84% 3.13% 23.35 49.50%

6 Years - 7 Years 78,496,103.39 1.32% 1,011 1.57% 3.20% 21.09 51.88%

7 Years - 8 Years 74,981,633.19 1.26% 932 1.45% 3.10% 17.45 61.57%

8 Years - 9 Years 98,698,031.80 1.66% 1,081 1.68% 3.33% 19.24 61.94%

9 Years - 10 Years 244,322,845.55 4.12% 2,698 4.19% 3.15% 19.17 64.21%

10 Years - 11 Years 426,593,948.11 7.19% 4,124 6.41% 2.49% 18.64 61.43%

11 Years - 12 Years 385,653,122.98 6.50% 3,712 5.77% 2.78% 17.87 64.04%

12 Years - 13 Years 403,364,465.17 6.80% 3,844 5.97% 2.88% 16.94 61.64%

13 Years - 14 Years 526,862,175.03 8.88% 5,021 7.80% 2.64% 16.02 59.05%

14 Years - 15 Years 526,206,895.32 8.87% 5,587 8.68% 2.69% 14.99 60.64%

15 Years - 16 Years 377,998,850.40 6.37% 4,294 6.67% 2.61% 14.00 57.69%

16 Years - 17 Years 267,273,727.29 4.51% 2,928 4.55% 2.70% 13.23 54.59%

17 Years - 18 Years 183,806,588.55 3.10% 1,936 3.01% 2.69% 13.06 52.92%

18 Years - 19 Years 78,868,436.77 1.33% 932 1.45% 2.88% 11.71 50.96%

19 Years - 20 Years 80,201,312.61 1.35% 987 1.53% 2.78% 11.27 44.92%

20 Years - 21 Years 83,116,619.63 1.40% 1,065 1.66% 2.64% 11.62 40.70%

21 Years - 22 Years 13,170,296.65 0.22% 197 0.31% 2.73% 10.66 36.30%

22 Years - 23 Years

23 Years - 24 Years

24 Years - 25 Years

25 Years - 26 Years

26 Years - 27 Years

27 Years - 28 Years

28 Years - 29 Years

29 Years - 30 Years

30 Years >

Unknown

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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6. Legal Maturity




2016-2020 2,255,594.87 0.04% 70 0.11% 3.15% 0.20 46.62%

2020 - 2025 49,286,551.12 0.83% 1,020 1.59% 3.01% 3.68 53.36%

2025 - 2030 271,385,486.00 4.57% 3,788 5.89% 2.81% 8.98 51.11%

2030 - 2035 1,281,535,753.87 21.60% 14,334 22.28% 2.72% 13.64 57.39%

2035 - 2040 2,092,562,061.72 35.27% 20,124 31.28% 2.70% 17.73 61.04%

2040 - 2045 638,546,527.96 10.76% 7,056 10.97% 2.90% 23.59 55.87%

2045 - 2050 1,590,935,018.27 26.82% 17,858 27.76% 2.15% 27.31 60.84%

2050 - 2055 2,125,836.74 0.04% 37 0.06% 2.68% 30.88 51.45%

2055 - 2060

2060 - 2065 54,248.89 0.00% 1 0.00% 3.04% 42.33 28.63%

2065 - 2070 74,000.00 0.00% 1 0.00% 2.91% 49.33 78.62%

2070 - 2075

2075 - 2080

2080 - 2085

2085 - 2090

2090 - 2095

2095 - 2100 3,886,432.82 0.07% 46 0.07% 2.34% 78.58 46.13%

2100 >

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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7. Remaining Tenor

From (>=) - Until (<) Aggregate Outstanding Amount % of Total Nr of Loanparts % of Total Weighted Average Coupon



< 0 Year 33,874.15 0.00% 2 0.00% 2.29% -1.29 59.06%

0 Year - 1 Year 2,221,720.72 0.04% 68 0.11% 3.16% 0.23 46.43%

1 Year - 2 Years 5,010,030.03 0.08% 129 0.20% 2.67% 1.11 52.91%

2 Years - 3 Years 6,437,949.55 0.11% 162 0.25% 3.24% 2.07 53.68%

3 Years - 4 Years 8,255,533.71 0.14% 186 0.29% 3.23% 3.02 55.22%

4 Years - 5 Years 12,421,108.49 0.21% 231 0.36% 3.00% 4.09 53.34%

5 Years - 6 Years 17,161,929.34 0.29% 312 0.48% 2.94% 5.06 52.50%

6 Years - 7 Years 23,315,113.06 0.39% 381 0.59% 2.94% 6.05 54.74%

7 Years - 8 Years 24,762,047.05 0.42% 399 0.62% 3.04% 7.03 55.75%

8 Years - 9 Years 30,485,165.69 0.51% 464 0.72% 2.98% 8.06 57.98%

9 Years - 10 Years 62,710,402.26 1.06% 898 1.40% 2.70% 9.10 50.21%

10 Years - 11 Years 130,112,757.94 2.19% 1,646 2.56% 2.75% 10.04 48.40%

11 Years - 12 Years 133,897,809.49 2.26% 1,664 2.59% 2.87% 11.05 54.96%

12 Years - 13 Years 140,420,499.59 2.37% 1,628 2.53% 2.83% 12.07 56.09%

13 Years - 14 Years 277,618,783.52 4.68% 2,935 4.56% 2.75% 13.06 55.74%

14 Years - 15 Years 313,223,655.70 5.28% 3,474 5.40% 2.66% 14.08 57.23%

15 Years - 16 Years 416,375,005.57 7.02% 4,633 7.20% 2.66% 15.06 59.84%

16 Years - 17 Years 575,303,301.16 9.70% 5,615 8.73% 2.64% 16.03 59.67%

17 Years - 18 Years 479,580,814.68 8.08% 4,474 6.95% 2.78% 17.05 59.30%

18 Years - 19 Years 358,228,040.72 6.04% 3,451 5.36% 2.80% 18.10 65.52%

19 Years - 20 Years 406,796,857.27 6.86% 3,849 5.98% 2.56% 19.10 59.95%

20 Years - 21 Years 272,653,047.89 4.60% 2,735 4.25% 2.74% 19.99 62.76%

21 Years - 22 Years 143,192,726.96 2.41% 1,533 2.38% 3.11% 20.95 61.34%

22 Years - 23 Years 50,632,704.50 0.85% 582 0.90% 3.15% 21.93 58.81%

23 Years - 24 Years 47,976,168.83 0.81% 554 0.86% 2.82% 23.07 55.05%

24 Years - 25 Years 117,958,647.04 1.99% 1,314 2.04% 3.09% 24.12 51.94%

25 Years - 26 Years 278,786,280.63 4.70% 3,073 4.78% 2.67% 25.13 54.33%

26 Years - 27 Years 369,389,543.98 6.23% 4,196 6.52% 2.43% 26.04 56.33%

27 Years - 28 Years 528,049,038.88 8.90% 5,966 9.27% 2.07% 27.03 57.27%

28 Years - 29 Years 542,140,381.13 9.14% 5,932 9.22% 2.07% 27.98 64.27%

29 Years - 30 Years 139,795,834.15 2.36% 1,555 2.42% 2.06% 28.90 72.68%

30 Years >= 17,700,738.58 0.30% 294 0.46% 2.04% 40.76 58.20%

Unknown

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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8. Current Loan To Original Market Value




NHG 1,250,447,401.77 21.08% 15,564 24.19% 2.57% 21.56 64.30%

<= 10%

10% - 20% 14,758,578.24 0.25% 318 0.49% 2.34% 18.51 15.38%

20% - 30% 122,394,206.94 2.06% 2,022 3.14% 2.37% 18.39 20.79%

30% - 40% 243,400,920.48 4.10% 3,327 5.17% 2.41% 18.67 28.89%

40% - 50% 447,728,497.98 7.55% 5,275 8.20% 2.45% 19.14 37.46%

50% - 60% 726,436,773.95 12.24% 7,601 11.81% 2.46% 18.95 45.76%

60% - 70% 1,067,032,851.96 17.99% 9,801 15.23% 2.52% 18.88 53.82%

70% - 80% 543,733,406.42 9.17% 5,638 8.76% 2.47% 20.74 62.80%

80% - 90% 535,454,193.96 9.03% 5,124 7.96% 2.64% 19.43 70.95%

90% - 100% 492,676,476.20 8.30% 4,890 7.60% 2.76% 20.40 79.06%

100% - 110% 485,900,395.11 8.19% 4,742 7.37% 3.11% 16.08 85.74%

110% - 120% 2,080,364.20 0.04% 27 0.04% 2.87% 14.33 92.23%

120% - 130% 250,000.00 0.00% 3 0.00% 3.74% 14.43 114.06%

130% - 140% 353,445.05 0.01% 3 0.00% 3.42% 12.89 98.89%

140% - 150%

150% >

Unknown

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


9. Current Loan To Indexed Market Value




NHG 1,250,447,401.77 21.08% 15,564 24.19% 2.57% 21.56 64.30%

<= 10% 467,153.61 0.01% 10 0.02% 2.53% 12.64 8.78%

10% - 20% 72,637,569.93 1.22% 1,336 2.08% 2.38% 17.24 17.17%

20% - 30% 240,109,652.33 4.05% 3,464 5.38% 2.43% 18.15 25.56%

30% - 40% 496,056,019.49 8.36% 5,890 9.16% 2.47% 18.37 35.58%

40% - 50% 869,275,263.03 14.65% 8,988 13.97% 2.49% 18.98 45.38%

50% - 60% 1,035,217,621.60 17.45% 9,899 15.39% 2.50% 19.20 55.01%

60% - 70% 692,886,846.39 11.68% 6,755 10.50% 2.57% 19.66 64.67%

70% - 80% 612,983,167.59 10.33% 5,917 9.20% 2.70% 19.55 74.89%

80% - 90% 454,074,907.82 7.65% 4,419 6.87% 2.84% 19.19 84.45%

90% - 100% 191,017,377.09 3.22% 1,925 2.99% 3.08% 17.72 94.07%

100% - 110% 17,224,531.61 0.29% 165 0.26% 3.26% 17.95 101.69%

110% - 120% 250,000.00 0.00% 3 0.00% 3.74% 14.43 114.06%

120% - 130%

130% - 140%

140% - 150%

150% >

Unknown

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


10. Loanpart Coupon (interest rate bucket)




<= 0.5% 402,500.00 0.01% 5 0.01% 0.40% 14.69 69.16%

0.5% - 1.0% 793,441.86 0.01% 12 0.02% 0.89% 21.40 57.99%

1.0% - 1.5% 107,373,192.41 1.81% 1,327 2.06% 1.38% 17.89 48.62%

1.5% - 2.0% 1,742,121,625.64 29.36% 19,592 30.45% 1.82% 21.37 55.02%

2.0% - 2.5% 1,407,844,635.75 23.73% 14,976 23.28% 2.26% 20.11 60.71%

2.5% - 3.0% 1,327,309,458.91 22.37% 13,667 21.24% 2.77% 18.90 59.90%

3.0% - 3.5% 639,626,220.75 10.78% 6,723 10.45% 3.22% 18.16 63.17%

3.5% - 4.0% 316,899,797.66 5.34% 3,368 5.24% 3.74% 18.00 64.52%

4.0% - 4.5% 120,698,220.33 2.03% 1,404 2.18% 4.25% 16.68 61.80%

4.5% - 5.0% 122,584,213.58 2.07% 1,484 2.31% 4.77% 15.77 59.54%

5.0% - 5.5% 88,827,789.43 1.50% 1,029 1.60% 5.23% 15.89 61.78%

5.5% - 6.0% 39,588,265.71 0.67% 500 0.78% 5.74% 14.76 60.52%

6.0% - 6.5% 13,034,444.57 0.22% 176 0.27% 6.27% 13.72 58.52%

6.5% - 7.0% 4,342,881.62 0.07% 57 0.09% 6.73% 10.40 52.74%

7.0% > 1,200,824.04 0.02% 15 0.02% 7.37% 7.28 47.57%

Unknown

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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11. Remaining Interest Rate Fixed Period

From (>=) - Until (<) Aggregate Outstanding Amount % of Total Nr of Loanparts % of Total Weighted Average Coupon



< 1 year 702,150,157.93 11.84% 7,815 12.15% 2.50% 16.01 59.58%

1 year - 2 years 105,441,407.50 1.78% 1,385 2.15% 3.54% 15.25 60.87%

2 years - 3 years 100,141,344.84 1.69% 1,276 1.98% 3.28% 15.44 59.43%

3 years - 4 years 106,075,322.17 1.79% 1,378 2.14% 3.50% 16.33 56.15%

4 years - 5 years 338,658,424.31 5.71% 3,856 5.99% 3.15% 17.90 54.51%

5 years - 6 years 1,010,563,219.76 17.03% 10,355 16.10% 2.85% 17.89 57.98%

6 years - 7 years 960,840,757.40 16.20% 9,986 15.52% 2.30% 19.23 57.31%

7 years - 8 years 868,166,369.60 14.63% 9,323 14.49% 2.24% 22.30 59.06%

8 years - 9 years 574,756,584.56 9.69% 6,075 9.44% 2.17% 23.21 64.37%

9 years - 10 years 298,549,357.78 5.03% 3,198 4.97% 2.03% 19.33 61.40%

10 years - 11 years 85,560,537.16 1.44% 1,014 1.58% 3.22% 18.41 58.22%

11 years - 12 years 98,863,710.15 1.67% 1,143 1.78% 2.72% 18.59 57.69%

12 years - 13 years 43,679,462.64 0.74% 545 0.85% 2.81% 21.02 58.52%

13 years - 14 years 34,476,835.42 0.58% 419 0.65% 2.97% 19.41 62.42%

14 years - 15 years 53,895,176.72 0.91% 597 0.93% 3.20% 20.02 57.29%

15 years - 16 years 126,000,225.68 2.12% 1,311 2.04% 3.29% 21.56 59.37%

16 years - 17 years 169,118,829.52 2.85% 1,773 2.76% 2.92% 22.91 56.44%

17 years - 18 years 103,586,204.79 1.75% 1,188 1.85% 2.89% 24.89 58.85%

18 years - 19 years 87,396,848.14 1.47% 940 1.46% 2.86% 24.63 67.06%

19 years - 20 years 63,850,994.89 1.08% 741 1.15% 2.37% 22.69 66.60%

20 years - 21 years 537,741.30 0.01% 14 0.02% 2.68% 24.16 58.62%

21 years - 22 years 233,000.00 0.00% 2 0.00% 5.85% 20.36 84.43%

22 years - 23 years 105,000.00 0.00% 1 0.00% 5.60% 12.92 81.75%

23 years - 24 years

24 years - 25 years

25 years - 26 years

26 years - 27 years

27 years - 28 years

28 years - 29 years

29 years - 30 years

>= 30 years

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


12. Interest Payment Type




Fixed 5,525,406,718.14 93.14% 59,879 93.07% 2.61% 19.81 59.15%

Floating 407,240,794.12 6.86% 4,456 6.93% 2.20% 16.21 58.56%

Unknown

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


13. Property Description

Description Aggregate Outstanding Amount % of Total Nr of Borrowers % of Total Weighted Average Coupon



House 5,280,319,538.54 89.00% 29,450 86.31% 2.61% 19.32 59.29%

Apartment 652,327,973.72 11.00% 4,671 13.69% 2.41% 21.61 57.62%

Total 5,932,647,512.26 100.00% 34,121 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


14. Geographical Distribution (by province)

Province Aggregate Outstanding Amount % of Total Nr of Borrowers % of Total Weighted Average Coupon



Drenthe 194,509,827.67 3.28% 1,276 3.74% 2.55% 19.17 61.02%

Flevoland 180,842,854.77 3.05% 1,082 3.17% 2.60% 19.05 62.52%

Friesland 144,425,661.27 2.43% 988 2.90% 2.53% 19.49 51.32%

Gelderland 937,912,667.82 15.81% 5,171 15.15% 2.60% 19.70 60.51%

Groningen 179,934,750.20 3.03% 1,362 3.99% 2.61% 18.21 59.26%

Limburg 827,873,083.83 13.95% 5,607 16.43% 2.81% 17.42 60.88%

Noord-Brabant 983,682,975.36 16.58% 5,257 15.41% 2.57% 19.76 59.57%

Noord-Holland 772,408,781.32 13.02% 3,815 11.18% 2.46% 20.61 55.05%

Overijssel 423,154,307.02 7.13% 2,596 7.61% 2.55% 19.81 61.12%

Utrecht 408,423,283.53 6.88% 2,030 5.95% 2.52% 20.56 56.41%

Zeeland 99,322,499.08 1.67% 659 1.93% 2.72% 18.92 61.47%

Zuid-Holland 780,156,820.39 13.15% 4,278 12.54% 2.52% 20.38 59.12%

Unspecified

Total 5,932,647,512.26 100.00% 34,121 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


15. Occupancy

Description Aggregate Outstanding Amount % of Total Nr of Borrowers % of Total Weighted Average Coupon



Owner Occupied 5,932,647,512.26 100.00% 34,121 100.00% 2.58% 19.57 59.11%

Buy-to-let

Unknown

Total 5,932,647,512.26 100.00% 34,121 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


16. Loanpart Payment Frequency




Monthly 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

Quarterly

Semi-annually

Annually

Unknown

Total 5,932,647,512.26 100.00% 64,335 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


17. Guarantee Type

Aggregate Outstanding Amount % of Total Nr of Loans % of Total Weighted Average Coupon



NHG Guarantee 1,250,447,401.77 21.08% 8,480 24.85% 2.57% 21.56 64.30%

Non-NHG Guarantee 4,682,200,110.49 78.92% 25,641 75.15% 2.59% 19.03 57.72%

Unknown

Total 5,932,647,512.26 100.00% 34,121 100.00% 2.58% 19.57 59.11%

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de Volksbank N.V.


Glossary

Term Definition / Calculation

Account Bank means Rabobank Nederland.

ACT means Asset Cover Test.

ACT Y1 means, if the Issuer's credit rating from Moody's falls below P-1 (short-term) or if the issuer default rating falls below F1 (short term) or A- by Fitch, the sum of all amounts (the "Deposit Amount") in respect of the Mortgage Receivables, which amounts are, in respect of each Mortgage Receivable separately, the lower of: (a) the aggregate amount of the deposits, to the extent the amount thereof exceeds the amount claimable under the DGS, held by the Borrower of the Mortgage Receivable(s) with the Originators on the last day of the immediately preceding month; and (b) the aggregate Outstanding Principal Amount of such Mortgage Receivable(s) on the last day of the immediately preceding month. The Deposit Amount will be adjusted as follows. If the outcome of A(a) is lower than A(b) as described above, the Deposit Amount will be reduced with an amount equal to A(b) minus A(a) provided that the Deposit Amount will always be at least 0. If the outcome of A(a) is higher than A(b) as described above, the Deposit Amount will be reduced with the amount of the Excess Credit Enhancement.

ACT Y2 means, (i) if the Issuer's CR Assessment from Moody's falls below P-1(cr) (short-term) or if the issuer default rating falls below F 1 (short term) or A (long-term) by Fitch, an additional amount equal to the Outstanding Principal Amount of all Mortgage Receivables on the last day of the month immediately preceding the Calculation Date multiplied by the Monthly Payment Percentage of the prior calendar month immediately preceding the Calculation Date in connection with the commingling risk or (ii) zero (a) if the Issuer's credit rating from Moody's is at least equal to P-1 (short-term) and if the issuer default rating is at least equal to FI (short term) or A (long-term) by Fitch or (b) if de Volksbank has taken alternative measures to reduce the commingling risk

ACT Z means an amount equal to the Interest Cover Required Amount. Whereby "Interest Cover Required Amount" means an amount equal to the positive difference, if any, between: (a) the aggregate amount of Scheduled Interest for all Series outstanding; and (b) the aggregate amount of interest to be received under the Transferred Assets up to the relevant final maturity date taking into account their respective contractual amortisation profile less in respect of each Savings Mortgage Receivable which is subject to a Participation, an amount equal to the net amount received or recovered multiplied by the applicable Participation Fraction; and, in each case, (i) taking into account any amount (to be) received or (to be) paid by the CBC in connection with any Swap Agreement and (ii) assuming that for any floating or fixed rate interest, that up to and including the latest Final Maturity Date, of any Covered Bond outstanding, such rates remain at the same level as at the relevant Calculation Date preceding the relevant CBC Payment Date.

ACT α means for each Mortgage Receivable the lower of its Current Balance and the sum of the following elements, to the extent applicable to it: (i) if it is a Savings Mortgage Receivable an amount calculated on the basis of a method notified to the Rating Agencies and subject to Rating Agency Confirmation from Moody's, related to the Savings and Accrued Savings Interest in connection with such Savings Mortgage Receivable, provided that no amount will be deducted if and to the extent that a Bank Savings Participation Agreement and/or Insurance Savings Participation Agreement (each a Participation Agreement and together the "Participation Agreements") is in place in relation to the relevant Mortgage Receivable; (ii) if it corresponds to a Construction Deposit: the amount of the Construction Deposit; (iii) if it was in breach of the Mortgage Receivable Warranties as of the relevant Transfer Date: such amount as is necessary to reduce its Adjusted Current Balance or Current Balance, as the case may be, to zero; (iv) if it is 3 months or more in arrears and it is not a Defaulted Receivable: such amount as is necessary to arrive at 30% of its Current Balance; (v) if it is a Defaulted Receivable: such amount as is necessary to reduce its Current Balance to zero; and/or(vi) if it is a Mortgage Receivable with an interest rate below the Minimum Mortgage Interest Rate, an amount equal to the Minimum Mortgage Interest Rate Reduction.

ACT β means for each Mortgage Receivable the lower of (i) the LTV Cut-Off Percentage of its Indexed Valuation and (ii) α minus L.

Asset Percentage means 81% or such percentage figure as is determined from time to time in accordance with the Asset Monitoring Agreement.

Available Liquidity Buffer means available liquid assets on reserved accounts of the CBC, plus interest payments and principal repayments from the underlying assets (including derivatives) to which the CBC is contractually entitled for the following six (6) months period.

Calculation Date means the date falling two business days before each CBC Payment Date. The "relevant" Calculation Date in respect of any Calculation Period will be the first Calculation Date falling after the end of that period and the "relevant" Calculation Date in respect of any CBC Payment Date will be the last Calculation Date prior to that CBC Payment Date.

Construction Deposit means in relation to a Mortgage Loan, that part of the Mortgage Loan which the relevant Borrower requested to be disbursed into a blocked account held in his name with the relevant Seller, the proceeds of which may be applied towards construction of, or improvements to, the relevant Mortgaged Asset.

Credit Rating means an assessment of the credit worthiness of the notes assigned by the Credit Rating Agencies.

Current Balance means in relation to an Eligible Receivable at any date, the aggregate (without double counting) of the Net Outstanding Principal Amount, Accrued Interest (unless it concerns calculations for either the Asset Cover Test or the Amortisation Test Aggregate Asset Amount, in which case Accrued Interest will not be included) and Arrears of Interest as at that date.

Current Loan to Indexed Market Value (CLTIMV) means the ratio calculated by dividing the current outstanding loan amount by the Indexed Market Value.

Current Loan to Original Market Value (CLTOMV) means the ratio calculated by dividing the current outstanding loan amount by the Original Market Value.

Debt Service to Income means the ratio calculated by dividing the amount a borrower is required to pay (in interest and principal repayments) on an annual basis by the borrower(s) disposable income.

Index means the index of increases of house prices issued by the Land Registry in relation to residential properties in The Netherlands.

Indexed Valuation means in relation to any Mortgaged Asset at any date means the Original Market Value of that Mortgaged Asset increased or decreased as appropriate by the increase or decrease in the Index since the date of the Original Market Value (and if such is required for the Covered Bonds to maintain the CRD Status, as adjusted as required pursuant to the Capital Requirement Directive).

IRS means Interest Rate Swap.

Liquidity Buffer Test means a monthly check, whether the Available Liquidity Buffer is equal to / or higher than the Required Liquidity Buffer, calculated in accordance with article 40(g) of the Decree on Prudential Rules under the FSA (Besluit prudentiele regels Wft) and annually checked by the Asset Monitor.

Loan to Income (LTI) means the ratio calculated by dividing the original loan amount by the income of the borrower at the moment of origination of the Mortgage Loan.

Loanpart(s) means one or more of the loan parts (leningdelen) of which a Mortgage Loan consists.

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Term Definition / Calculation

LTV Cut-Off Percentage means 80% for all Mortgage Receivables or such lower percentage as is (a) required from time to time for Covered Bonds to qualify as 'covered bonds' as defined in the CRD IV or (b) otherwise determined from time to time in accordance with the Asset Monitoring Agreement.

Maturity Date (Bonds) means, subject to Condition 7(c), in respect of a Series of Covered Bonds, the relevant Interest Payment Date which falls no more than 40 years after the Issue Date of such Series and on which the Covered Bonds of such Series are expected to be redeemed at their Principal Amount Outstanding in accordance with these Conditions, as specified in the relevant Final Terms.

Minimum Overcollateralization means the minimum overcollateralization required by either law or the programme documentation.

Net Outstanding Principal Amount means in relation to a Mortgage Receivable, at any date, the Outstanding Principal Amount of such Mortgage Receivable less, if it is a Savings Mortgage Receivable subject to a Participation, an amount equal to the Participation on such date.

NHG Guarantee means a guarantee (borgtocht) under the NHG Conditions granted by Stichting WEW.

Nominal OC means the actual overcollateralization which is calculated by dividing (i) the total outstanding balance of the cover assets included in the cover pool by (ii) the total amount of outstanding covered bonds (both excluding accrued interest).

Occupancy means the way the mortgaged property is used (e.g. owner occupied).

Original Loan to Original Market Value (OLTOMV) means the ratio calculated by dividing the original loan amount by the Original Market Value.

Original Market Value means the value of the mortgaged property if the mortgaged property would be privately sold voluntarily, estimated during the assessment of the application.

Originators means de Volksbank N.V.

Outstanding Principal Amount means, in respect of a Mortgage Receivable, the aggregate principal sum (hoofdsom) due by the relevant Borrower under the relevant Mortgage Receivable and, after the occurrence of a Realised Loss in respect of such Mortgage Receivable, zero.

Prematurity Liquidity Ledger is not applicable

Redemption Type means the principal payment type of the bond

Remaining Tenor means the time in years from the reporting date to the maturity date of a loan.

Required Liquidity Buffer means an amount which is such amount as required for covered bonds pursuant to the CB Regulations to meet the obligation regarding interest payments and redemptions (the latter only in case of hard bullet covered bonds) under the covered bonds for the following six (6) months period including senior cost.

Reserve Fund means, pursuant to the Trust Deed, if the Issuer's short-term credit rating falls below P-1 by Moody's or if the short-term issuer default rating falls below F1 (short-term) and A (long-term) by Fitch, the CBC will be required to establish a reserve fund (the "Reserve Fund") on the GIC Account which will be credited by the Issuer with an amount equal to the Reserve Fund Required Amount and such further amounts as are necessary from time to time to ensure that an amount up to the Reserve Fund Required Amount is credited to the Reserve Fund for as long as the above rating trigger is breached.

Saving Deposits means savings in a bank account, pledged to the mortgage lender, which are meant to repay the loan at maturity.

Seasoning means the difference between the loan start date and the current reporting period.

Series means a Tranche of Covered Bonds together with any further Tranche or Tranches of Covered Bonds which are (i) expressed to be consolidated and form a single series and (ii) identical in all respects (including as to listing) except for their respective Issue Dates, Interest Commencement Dates and/or Issue Prices.

Servicer means de Volksbank N.V.

Set-Off means the right of a debtor to set-off a claim that corresponds to its debt owed to the same counterparty.

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Contact Information

Account Bank Rabobank Nederland

Croeselaan 18

3521 CB Utrecht

The Netherlands

Auditors Ernst & Young Accountants LLP (Amsterdam)

Antonio Vivaldistraat 150

1083 HP Amsterdam

The Netherlands

Collection Account Provider de Volksbank N.V.

Croeselaan 1

3521 BJ Utrecht

The Netherlands

Company Administrator Intertrust Administrative Services B.V.

Prins Bernhardplein 200

1097 JB Amsterdam

The Netherlands

Covered Bond Company Volks Covered Bond Company B.V.


1097JB Amsterdam

The Netherlands

Interest Rate Swap Counterparty Commerzbank

Mainzer Landstr. 151-153

60327 Frankfurt am Main

Germany

Interest Rate Swap Counterparty DZ Bank AG

Platz der Republik

60265 Frankfurt am Main

Germany

Interest Rate Swap Counterparty Natwest Markets

135 Bishopsgate

EC2M 3UR London

The United Kingdom

Interest Rate Swap Counterparty Unicredit Bank

Kardinal-Faulhaber-Straße 1

80333 München

Germany

Issuer de Volksbank N.V.

Croeselaan 1

3521 BJ Utrecht

The Netherlands

Asset Monitor Ernst & Young Accountants LLP (Amsterdam)

Antonio Vivaldistraat 150

1083 HP Amsterdam

The Netherlands

BUS facilitator Intertrust Administrative Services B.V.


1097 JB Amsterdam

The Netherlands

Collection Account Provider Rabobank Nederland

Croeselaan 18

3521 CB Utrecht

The Netherlands

Cover Pool Monitor Ernst & Young Nederland LLP

6 More London Place

SE1 2DA London

The United Kingdom

Floating Rate GIC Provider Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A. (NL)Croeselaan 18

3521 CB Utrecht

The Netherlands

Interest Rate Swap Counterparty de Volksbank N.V.

Croeselaan 1

3521 BJ Utrecht

The Netherlands

Interest Rate Swap Counterparty Natixis S.A.

30, avenue Pierre Mendès-France

Paris

France

Interest Rate Swap Counterparty Societe Generale

29 Boulevard Haussmann

75009 Paris

France


Croeselaan 1

3521 BJ Utrecht

The Netherlands


Croeselaan 1

3521 BJ Utrecht

The Netherlands

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Legal Advisor NautaDutilh N.V.

Strawinksylaan 1999

1077 XV Amsterdam

The Netherlands

Originator de Volksbank N.V.

Croeselaan 1

3521 BJ Utrecht

The Netherlands

Servicer de Volksbank N.V.

Croeselaan 1

3521 BJ Utrecht

The Netherlands

Total Return Swap Provider de Volksbank N.V. (as TRS provider)

Croeselaan 1

3521 BJ Utrecht

the Netherlands


Rabobank Nederland

Croeselaan 18

3521 CB Utrecht

The Netherlands

Listing Agent Dexia Banque Luxembourg

69 Route d'Esch

L-2953 Luxembourg

Luxembourg

Principal Paying Agent Dexia Banque Luxembourg

69 Route d'Esch

L-2953 Luxembourg

Luxembourg

Sponsor (if applicable) de Volksbank N.V.

Croeselaan 1

3521 BJ Utrecht

The Netherlands


Natwest Markets

135 Bishopsgate

EC2M 3UR London

The United Kingdom

Trustee Stichting Security Trustee Volks Covered Bond CompanyHoogoorddreef 15

1101 BA Amsterdam

The Netherlands

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de Volksbank N.V.


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