Report Date Report Currency

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Owen Jennings
6 years ago
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1 EN Bank Hypo Tirol Bank AG Report Date Report Currency EUR Public Pfandbrief or Public Covered Bond (fundierte Bankschuldverschreibung) 1. OVERVIEW CRD/ UCITS compliant Ja Share of ECB eligible cover assets (in % of total cover pool) Total amount of outstanding issues 385. Total amount of cover assets 624. Rating agencies Moody's Fitch S&P Issuer rating Ba1 NR BBB Rating Covered Bonds/Pfandbriefe/Fundierte Bankschuldverschreibungen Aa1 NR NR Number of loans 91 Number of borrowers 326 Number of garantors Average exposure per borrower 1.9 Average loan amount.7 Share of non-performing loans with at least 9 days past due (% of primary cover pool). Share of 1 largest loans (% of primary cover pool) 36% Share of 1 largest exposures by borrower/ garantor (% of primary cover pool) 14% Share of bullet loans (% of primary cover pool) Share of loans in foreign currency (% of primary cover pool) Share of issues in foreign currency (% of primary cover pool) Share of loans with fixed interest rate for longer than 1 year (% of primary cover pool) 37% Nominal over-collateralisation (total cover pool / outstanding issues in %) 62% Present value over-collateralisation (PV total cover pool / PV outstanding issues in %) Number of issues 9 Average issue size 42.8

2 2. INFORMATION ON PRIMARY COVER POOL display unit - except "number" 2.1 Distribution by loan size Primary cover pool by loan size number thereof thereof thereof m thereof m thereof m Total k 3 k 5k 1mn 5mn 5mn 2.2 Distribution by currencies after cover pool FX derivatives FX derivatives FX derivatives in cover pool no nominal of FX derivatives Primary cover pool Issues in EUR 62 in EUR 385 in CHF 4 in CHF in USD in USD in JPY in JPY Other Other Total 624 Total Regional distribution Regional distribution % EU member states Austria EEA member states other countries Switzerland Total Regional distribution in Austria Share in AT Share in total Republic of Austria 4 Vienna Lower Austria 44 7% 7% Upper Austria 5 Salzburg 4 Tyrol % 89% Styria 6 Carinthia 7 Burgenland Vorarlberg Total

3 2.4 Distribution by type of borrower/ garantor Distribution by type of borrower/ garantor Direct claim against sovereign 4 Direct claim against region / federal state 18 Direct claim against municipality 295 Claim with guarantee of sovereign Claim with guarantee of region / federal state Claim with guarantee of municipality 144 Others Total 624 % 29% 47% 23% Seasoning WA seasoning (in years) 8.6 Seasoning % % % % % Total Distribution by tenor Distribution by tenor in years WA residual life (incl. contractural amortisation) 7.6 WA residual life (final legal maturity) 11.5 WA residual life of issues (final legal maturity) 4.2 Distribution by tenor (final legal maturity) Primary cover pool % Issues % % % % % % % % % Total Total Primary cover pool Issues

4 2.7 Distribution by type of interest after cover pool IR derivatives IR derivatives IR derivatives in cover pool no Primary cover pool Issues Variable, fixed rate during the year 395 Variable, fixed rate during the year 2 Fixed rate, 1-2 years 1 Fixed rate, 1-2 years 1 Fixed rate, 2-5 years 77 Fixed rate, 2-5 years 31 Fixed rate, > 5 years 151 Fixed rate, > 5 years 45 Total 624 Total 385

5 3. INFORMATION ON ADDITIONAL COVER POOL display unit - except "number" Overview Cash, deposits Bonds thereof National Bank eligible Total Additional cover pool (in % of total issues) Bonds by number Total Additional cover pool by currencies % EUR CHF USD JPY Other currencies Total Regional distribution of additional cover pool % EU member states EEA member states other countries Switzerland Total

Erste Group Bank AG as of OVERVIEW in mn. EUR

Erste Group Bank AG as of OVERVIEW in mn. EUR Erste Group Bank AG as of 30.09.2012 Mortgage covered bonds 1. OVERVIEW in mn. EUR Total outstanding liabilities 6.710 Total assets in the cover pool 9.616 Issuer senior unsecured rating A3 Covered bonds