Documents incorporated by reference

The following documents have been filed with the AFM and shall be deemed to be incorporated in, and form part of, the Base Prospectus:

  • The most recent Articles of Association of the Issuer which can be obtained from https://www.nibc.com/media/2064/articles-of-association-nibc-bank-en.pdf;
  • the Issuer's consolidated financial information for the year ended 31 December 2020 being set out in (i) the Key Figures from page 12 up to and including page 14, (ii) Vision and Strategy starting from "Strategic priorities" on page 23 up to "Continuous development" on page 24, (iii) the Financial Review from page 36 up to and including page 43, (iv) Risk Management starting from "Asset quality" on page 50 up to and including page 54, (v) the Consolidated Financial Statements from page 103 up to and including page 300, (vi) the auditor's report related thereto, as set out on page 337 up to and including page 347 and (vii) the Alternative Performance Measures from page 349 up to and including page 355, of the publicly available Annual Report 2020 NIBC Bank N.V., published on 4 March 2021, which can be obtained from https://www.nibc.com/media/2887/annual-report-nibc-bank-nv-2020.pdf;
  • the consolidated financial information for the year ended 31 December 2020 of NIBC Holding N.V, being set out in (i) the Key Figures from page 12 up to and including page 14, (ii) Vision and Strategy starting from "Strategic priorities" on page 24 up to "Continuous development" on page 24, (iii) the Financial Review from page 38 up to and including page 47, (iv) Risk Management starting from "Asset quality" on page 54 up to and including page 59, (v) the Consolidated Financial Statements from page 109 up to and including page 313, (vi) the auditor's report related thereto, as set out on page 327 up to and including page 337 and (vii) the Alternative Performance Measures from page 339 up to and including the table "Net interest margin" on page 345, of the publicly available Annual Report 2020 NIBC Holding N.V., published on 4 March 2021, which can be obtained from https://www.nibc.com/media/2886/annual-report-nibc-holding-nv-2020.pdf;
  • the Issuer’s consolidated financial information for the year ended 31 December 2021 being set out in (i) the Key Figures from page 12 up to and including page 14, (ii) Vision and Strategy starting from “Strategic priorities” on page 22 up to and including “Business review and strategic choices” on page 23, (iii) the Financial Review from page 27 up to “Sustainability” on page 41, (iv) Risk Management starting from “Credit risk (audited)” on page 61 up to and including page 85 (until “Other risk types”), “Other risk types” on page 85 and “Capital adequacy” on page 85 up to and including page 88, (v) the Consolidated Financial Statements from page 119 up to and including page 273, (vi) the auditor’s report related thereto, as set out on page 309 up to and including page 319 and (vii) the Alternative Performance Measures from page 321 up to and including the table “Net interest margin” on page 327, of the publicly available Annual Report 2021 NIBC Bank N.V., published on 4 March 2022, which can be obtained from https://www.nibc.com/media/3124/annual-report-nibc-bank-nv-2021.pdf;
  • the consolidated financial information for the year ended 31 December 2021 of NIBC Holding N.V., being set out in (i) the Key Figures from page 12 up to and including page 14, (ii) Vision and Strategy starting from “Strategic priorities” on page 22 up to and including “Business review and strategic choices” on page 23, (iii) the Financial Review from page 27 up to “Sustainability” on page 41, (iv) Risk Management starting from “Credit risk (audited)” on page 61 up to and including page 85 (until “Other risk types”), “Other risk types” on pages 85 and 86 and “Capital adequacy” on page 85 up to and including page 88, (v) the Consolidated Financial Statements from page 119 up to and including page 278, (vi) the auditor’s report related thereto, as set out on page 293 up to and including page 295 and (vii) the Alternative Performance Measures from page 297 up to and including the table “Net interest margin” on page 303, of the publicly available Annual Report 2021 NIBC Holding N.V., published on 4 March 2022, which can be obtained from https://www.nibc.com/media/3123/annual-report-nibc-holding-nv-2021.pdf.