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Financial planning Create a basis for decision-making: your private financial planning Are you one of those people who prefer to make decisions based on facts? With our comprehensive financial planning, you receive a sound asset analysis and basis for your future financial decisions. We will be happy to help you and talk to you about these topics, for example: Holistic status quo analysis of your assets Analysis of your future asset and liquidity development Analysis and assessment of your assets Effects of future life events on your financial situation (e.g. sale of company, retirement, occupational disability, death scenario, etc.). ) Strategic asset alignment for your wealth succession Note: Our advice does not include legal and tax advice. Your contact persons Sarina Beier Private Investors | Portfolio and generation management Phone: Call Sarina Beier +49 (0) 531 487-7642 Braunschweig send an e-mail Team Kevin David Private Investors | Portfolio and generation management Phone: Call Kevin David +49 (0) 531 487-7677 Braunschweig send an e-mail Team Bettina Fulfs Private Investors | Portfolio and generation management Mobile: Call Bettina Fulfs +49 (0) 1578 5166 298 Hamburg send an e-mail Team Bastian Hübschmann Private Investors | Portfolio and generation management Phone: Call Bastian Hübschmann +49 (0) 531 487-7662 Hannover send an e-mail Team...

Generation Management Sleep well thanks to sophisticated future planning: Your private wealth succession Are you one of those people who definitely want to arrange your asset succession at an early stage, but do not know how to proceed? We will be happy to support you! Step by step - from your very individual discovery phase to the identification of important fields of action. Create a basis for decision-making with our holistic wealth concept and learn about your options for action. You can also benefit from our broad internal and external network of experts who will provide you with competent support in implementing your personal wealth succession. Note: Our advice does not include legal and tax advice. Your contact persons Sarina Beier Private Investors | Portfolio and generation management Phone: Call Sarina Beier +49 (0) 531 487-7642 Braunschweig send an e-mail Team Kevin David Private Investors | Portfolio and generation management Phone: Call Kevin David +49 (0) 531 487-7677 Braunschweig send an e-mail Team Bettina Fulfs Private Investors | Portfolio and generation management Mobile: Call Bettina Fulfs +49 (0) 1578 5166 298 Hamburg send an e-mail Team Bastian Hübschmann Private Investors | Portfolio and generation management Phone: Call Bastian Hübschmann +49 (0) 531 487-7662 Hannover send an e-mail Team...

Business succession Preserving values and ensuring the ability to act: Your company succession You have created values and want to preserve them? We are happy to support you in planning your business succession. In addition to safeguarding the company's assets, the ability of the future generation of entrepreneurs to act and the interlocking of business and private asset succession often play a major role. Our holistic wealth concept already shows you fields of action today. Take your time to prepare for the future and benefit from our broad internal and external network of experts who will competently support you in the implementation of your company succession. Note: Our advice does not include legal and tax advice. Your contact persons Sarina Beier Private Investors | Portfolio and generation management Phone: Call Sarina Beier +49 (0) 531 487-7642 Braunschweig send an e-mail Team Kevin David Private Investors | Portfolio and generation management Phone: Call Kevin David +49 (0) 531 487-7677 Braunschweig send an e-mail Team Bettina Fulfs Private Investors | Portfolio and generation management Mobile: Call Bettina Fulfs +49 (0) 1578 5166 298 Hamburg send an e-mail Team Bastian Hübschmann Private Investors | Portfolio and generation management Phone: Call Bastian Hübschmann +49 (0) 531 487-7662 Hannover send an e-mail Team...

Floor Research Floor Research Newsletter Floor Research Newsletter If you do not want to miss any current information, we will be pleased to include you in our Floor Research newsletter distribution list. Please provide us with your complete contact details. Thank you very much. Newsletter You can find our data protection information at the following link Contact Tobias Cordes Floor Research | SSA/Public Issuers Mobile: Call Tobias Cordes +49 (0) 162 7606 673 Hannover send an e-mail Team Elias Degener Floor Research | Covered Bonds, Financials Mobile: Call Elias Degener +49 (0) 1578 5165 214 Hannover send an e-mail Team Lukas-Finn Frese Floor Research | SSA/Public Issuers Mobile: Call Lukas-Finn Frese +49 (0) 176 1528 9759 Hannover send an e-mail Team Lukas Kühne Floor Research | Covered Bonds, Financials Mobile: Call Lukas Kühne +49 (0) 176 1529 0932 Hannover send an e-mail Team Dr. Norman Rudschuck Floor Research | Head Mobile: Call Norman Rudschuck +49 (0) 1520 9024 094 Hannover send an e-mail Team...

Research Research Newsletter Research Newsletter If you do not want to miss any current information from NORD/LB Research, we will be happy to add you to our research newsletter distribution list. Please enter your complete contact details and tick one or more of your preferred distribution lists. Thank you very much. Newsletter You can find our data protection information at the following link Contact Christian Lips Research | Macro Research / Chief Economist Phone: Call Christian Lips +49 (0) 511 361-2980 Hannover send an e-mail Thomas Wybierek Research | Sector Strategy Phone: Call Thomas Wybierek +49 (0) 511 361-2337 Hannover send an e-mail...

Press 2022 The press releases below are provided solely for archival and record-keeping purposes and reflect the information and circumstances prevailing at the time of their publication. Subsequent changes in factual circumstances and legal requirements may mean that some statements are no longer accurate or should be interpreted differently today. 2026 2025 2024 2023 2022 2021 2020 2019...

Data protection Data Protection Principles of NORD/LB Below you will find NORD/LB’s data protection notices. These include information about your visit and use of our website, as well as general information and our current privacy notices for various topics. Controller Norddeutsche Landesbank - Girozentrale - Friedrichswall 10 30159 Hanover For general inquiries, please use the following contact options to reach our customer service: Write to us via the contact form. Send an e-mail directly to kundenservice@nordlb.de. Call us: +49 (0) 511 361-0 For questions specifically related to data protection, please contact our Data Protection Officer. Data Protection Officer Norddeutsche Landesbank - Girozentrale - Data Protection Officer Friedrichswall 10 30159 Hanover E-mail: datenschutz@nordlb.de Principles for Processing Your Personal Data As the controller responsible for processing your personal data, NORD/LB takes the protection of your data and your privacy very seriously. Safeguarding your personal information is a key concern for us. Personal data includes all information relating to an identifiable natural person, such as your name, address, e-mail address, and telephone number. We process your personal data exclusively on a legal basis in accordance with Art. 6 GDPR. Compliance with data protection requirements is regularly reviewed internally by our internal audit department and externally by the competent supervisory authorities. In the following privacy notices, you will find detailed information on the processing of your personal data in connection with our various activities. NORD/LB stores and processes your personal data for as long as you maintain a business relationship with us, are in business contact with us, or are authorized to represent us. Once the data is no longer required to fulfill contractual or legal obligations and no other lawful reason for processing exists, it will be regularly deleted. Exceptions apply in the following cases where temporary storage is necessary: Compliance with commercial and tax retention periods arising from the German Commercial Code (HGB), the Fiscal Code (AO), the German Banking Act (KWG), the Anti-Money Laundering Act (GwG), and foreign trade regulations. These periods may range from two to ten years. Preservation of evidence under statutory limitation periods. According to Sections 195 et seq. of the German Civil Code (BGB), these periods may be up to 30 years, although the regular limitation period is three years. If you have objected to or revoked the processing of your data for contact purposes, we will no longer store your data unless the above-mentioned statutory retention or documentation obligations take precedence. Your Data Protection Rights You have the following rights regarding your personal data vis-à-vis NORD/LB: Right of access (Art. 15 GDPR) Right to rectification or erasure (Art. 16 and 17 GDPR) Right to restriction of processing (Art. 18 GDPR) Right to data portability (Art. 20 GDPR) Right to object (Art. 21 GDPR) Right to withdraw consent (Art. 7(3) GDPR) Please note that withdrawal only applies for the future. Processing carried out before the withdrawal remains unaffected. Security We place great importance on a high level of security in the collection and processing of your data. NORD/LB implements effective technical and organizational measures to protect your data against manipulation, loss, destruction, and unauthorized access. Our security measures are continuously optimized and adapted to the latest technological developments. In addition, we have established a reliable internal incident process to respond appropriately in the event of security incidents. When processing your personal data, we also work with carefully selected service providers who must meet NORD/LB’s requirements. To ensure continuous compliance with data protection regulations, we conclude the necessary data protection agreements, such as data processing agreements, with these partners. We only receive personal data from third parties or transfer it to third parties if there is a legal basis for processing. Furthermore, we do not sell personal data to third parties for advertising purposes. The security and integrity of your personal data is extremely important to us. Therefore, our employees are regularly trained and sensitized on data protection issues. Transfers to Third Countries We generally process your personal data within the European Economic Area (EEA). Transfers to countries outside the EEA only occur if necessary to fulfill your orders, provide our services, or in connection with an existing, potential, or former employment relationship, if legally required, or if you have given your consent. When we use service providers in third countries, they are required to comply with EU Standard Contractual Clauses or be located in a country recognized by the EU as providing an adequate level of data protection. The following countries are considered by the EU to provide an adequate level of protection for the processing of personal data (adequacy decision): Andorra, Argentina, Canada (limited), Faroe Islands, Guernsey, Israel, Isle of Man, Japan, Jersey, New Zealand, Switzerland, and Uruguay. For recipients in other countries, we conclude agreements on the application of EU Standard Contractual Clauses or binding corporate rules to ensure an adequate level of protection in accordance with legal requirements. Updates and Amendments to This Privacy Notice This privacy notice is currently valid as of January 2026. Due to the further development of our website and services or changes in legal or regulatory requirements, it may become necessary to update this privacy notice. Privacy Notices of the NORD/LB homepage Privacy Regarding Cookies Privacy Notices for NORD/LB social media channels Privacy Notice...

Investor Relations Rating Ratings NORD/LB has commissioned three rating agencies to assess its creditworthiness. Here you can find the assigned credit ratings, together with the current reports in which the agencies explain their respective assessments comprehensively and transparently. You can also find NORD/LB’s ESG ratings on this page. Moody's Investors Service Ratings Covered Bonds (Public Sector and Mortgage) Aaa Senior Preferred, Long-term Rating Aa2 Senior Non-Preferred A2 Subordinate-/Tier-2 Baa1 Stand-alone (Baseline Credit Assessment) baa2 Short-term Rating P-1 Moody’s Credit Opinion (20.03.26) (PDF, 509 KB) Moody's Ratings affirms NORD/LB's Aa2 long-term deposit, issuer, and senior unsecured ratings; outlooks remain stable (19.3.26) (PDF, 58 KB) Moody's takes action on 69 banking groups in Western Europe following update of Banks methodology (18.11.25) (PDF, 112 KB) Moody's upgrades NORDLB's backed subordinated debt rating (15.9.25) (PDF, 40 KB) Moody’s Performance Overview - Mortgage Covered Bonds (31.3.2026) (PDF, 983 KB) Moody's Performance Overview - Public Sector Covered Bonds (30.6.2026) (PDF, 935 KB) Fitch Ratings Ratings Senior Preferred, Long-term Rating AA- Senior Non-Preferred A+ Subordinate-/Tier-2 A- Stand-alone (Viability) Rating bbb Short-term Rating F1+ Fitch Upgrades NORD/LB's VR to 'bbb'; Affirms Long-Term IDR at 'AA-'/Stable (05.10.2026) (PDF, 55 KB) Fitch Rating Report NORD/LB (23.06.2026) (PDF, 521 KB) Fitch Takes Rating Actions on 8 German Banking Groups Following Criteria Update (12.05.2026) (PDF, 227 KB) Morningstar DBRS Ratings Senior Preferred, Long-term Rating A (high) Senior Non-Preferred A Subordinate-/Tier-2 A (low) Standalone (Intrinsic Assessment) BBB (high) Short-term Rating R-1 (middle) Morningstar DBRS Rating Report (23.06.2026) (PDF, 492 KB) Morningstar DBRS Confirms Norddeutsche Landesbank Girozentrale's Long-Term Issuer Rating at A (high), Stable Trend 16.06.2026 (PDF, 52 KB) ESG ratings Ratings MSCI* AA** Sustainalytics 22.0 (medium risk)*** ISS ESG C (Prime)**** Sustainable Fitch 2***** *The use by NORD/LB of any MSCI ESG Research LLC or its affiliates ("MSCI") date, and the use of MSCI logos, trademarks, service marks or index names herein do not constitute a sponsorship, endorsement, recommendation, or promotion of NORD/LB by MSCI. MSCI services and data are the property of MSCI or its information providers, and are provided "as is" and without warranty. MSCI names and logos are trademarks or service marks of MSCI. ** October 2026 *** September 2025 **** July 2025 ***** October 2025 You can find more information on the topic of sustainability here. The rating information published here is publicly available. The presentation on our homepage is a service for our stakeholders and investors and does not mean that NORD/LB supports or agrees with the information, conclusions or recommendations given there. NORD/LB therefore assumes no liability for the accuracy, currency and correctness of these statements. They also do not constitute a recommendation for buying bonds. Get more information Portrait Read more Press Read more Legal notices Read more Sustainability Read more Capital market portal Read more Contact Falk Meyer Head of Funding Phone: Call Falk Meyer +49 (0) 511 361-2760 Hannover send an e-mail Team Friedrich Karl Strödter Head of Investor Relations Phone: Call Friedrich Karl Strödter +49 (0) 511 361-3878 Mobile: Call Friedrich Karl Strödter +49 (0) 176 1529 0134 Hannover send an e-mail Team Jonas Sachs Senior Manager Investor Relations & Ratings Phone: Call Jonas Sachs +49 (0) 511 361-5128 Mobile: Call Jonas Sachs +49 (0) 176 1529 0001 Hannover send an e-mail Team Thomas Breit Sustainability Hannover send an e-mail Team...

Imprint Mandatory information Sort code 250 500 00 BIC/ SWIFT code (Society for Worldwide Interbank Financial Telecommunications) NOLA DE 2HXXX Relevant supervising authority European Central Bank (ECB) Sonnemannstraße 20 60314 Frankfurt am Main Bundesanstalt für Finanzdienstleistungsaufsicht (Federal Financial Supervisory Authority) Graurheindorfer Str. 108 53117 Bonn and Marie-Curie-Str. 24-28 60439 Frankfurt am Main Regulatory authorisation European Central Bank (ECB) Arbitration board The Association of German Public Sector Banks Customer Complaints Department Postfach 110272 10832 Berlin Information pertaining to insurance broking Bonded insurance agent exempt from the requirement of a license pursuant to Section 34 d Subsection 7 Sentence 1 No. 1 German Trade, Commerce and Industry Regulation Act; Federal Republic of Germany. Information of the Chamber of Industry and Commerce (IHK): Chamber of Industry and Commerce Hanover Schiffgraben 49 30175 Hannover Professional regulations: Section 34 d GewO (German Trade, Commerce and Industry Regulation Act) Section 59-68 VVG (German Insurance Contract Act) V ersVermV (Regulation pertaining to Insurance Broking and consultancy) Responsible supervisory authority for insurance broking DIHK e.V. (Association of German Chambers of Industry and Commerce) Breite Straße 29 10178 Berlin Phone: +49 180 600-5850 Email: vr@dihk.de www.vermittlerregister.info (in German only) Insurance broker register number: D-9NNK-SSOXD-82 Arbitration bodies for insurance broking a) for private health insurance and long-term care insurance Ombudsman private health insurance and long-term care insurance P. O. Box 060222 10052 Berlin Phone: +49 1802 550444 Fax: +49 30 20458931 www.pkv-ombudsmann.de (in German only) b) for other insurances Versicherungsombudsmann e.V. P. O. Box 08 06 32 10006 Berlin Phone: +49 1804 2244-24 (EUR 0.24 per call) Fax: +49 1804 2244-25 (EUR 0.24 per call) www.versicherungsombudsmann.de Legal form Registered public institute (AöR) Managing Board Jörg Frischholz (Chairman of the Managing Board) Dr. Christoph Auerbach (Member of the Managing Board) Christoph Dieng (Member of the Managing Board) Jasper Hanebuth (Member of the Managing Board) Ingrid Spletter-Weiß (Member of the Managing Board) Register of companies Hannover office: Hannover District Court, HRA 26247 Braunschweig office: Braunschweig District Court, HRA 10261 Magdeburg office: Stendal District Court, HRA 22150 VAT number DE115646025 Global Intermediary Indentification Number (GIIN) EKLIT5.00000.LE.276 Legal Entity Identifier (LEI) DSNHHQ2B9X5N6OUJ1236 © Norddeutsche Landesbank - Girozentrale -. All rights reserved. Published by NORD/LB Corporate Communications/ Internet, Hanover, in November 2021. Registered offices Hanover Norddeutsche Landesbank - Girozentrale - Friedrichswall 10 30159 Hannover Phone: +49 (0) 511 361-0 kundenservice@nordlb.de Braunschweig Braunschweigische Landessparkasse Ein Unternehmen der NORD/LB Friedrich-Wilhelm-Platz 38100 Braunschweig Phone: +49 (0) 531 487-0 kundenservice@blsk.de Magdeburg Norddeutsche Landesbank - Girozentrale - Domplatz 10 39104 Magdeburg Phone: +49 (0) 391 589-0 kundenservice@nordlb.de...

Floor Research SSA/Public Issuers SSA/Public Issuers The market for government bonds has increasingly become the focus, not least due to the massive purchases of central banks since 2015. Whether we consider the European sovereign debt crisis, bail out for eurozone countries, institutions for the settlement of assets or the expansion of economic stimulus – states and institutions close to the state have always been involved. Within the public issuer segment, we monitor and analyse bonds from sovereign-linked issuer groups (SSAs: supranationals, sub-sovereigns and agencies). For example, we have been publishing a compact annual study of the German federal states since 2010, in which we analyse the German sub-sovereigns and the issuer community of German states in more detail. A report on European supranationals and agencies has also been published annually since 2011. In addition, we keep up with the times and regularly adapt our repertoire to new market developments. Canadian provinces have also been in our coverage since 2015, as they are now significant EUR benchmark issuers. Australia and New Zealand were added in 2019. Covered Bond & SSA View Issuer Guides Specials Issuer Reports SSA Contact Tobias Cordes Floor Research | SSA/Public Issuers Mobile: Call Tobias Cordes +49 (0) 162 7606 673 Hannover send an e-mail Team Lukas-Finn Frese Floor Research | SSA/Public Issuers Mobile: Call Lukas-Finn Frese +49 (0) 176 1528 9759 Hannover send an e-mail Team Dr. Norman Rudschuck Floor Research | Head Mobile: Call Norman Rudschuck +49 (0) 1520 9024 094 Hannover send an e-mail Team...

Floor Research Floor Research Floor Research from NORD/LB's Markets department regularly prepares reports and provides you with information on current topics as well as key topics like covered bonds, sub-sovereigns, supranationals, agencies and financials. With its proximity to the Markets department, the team enjoys high customer loyalty and has fast response times for individual requests. Floor Research focuses on the international bond market. In doing so, we provide you with information on how the relevant core markets are developing. The Issuer Guides we regularly prepare offer a comprehensive overview of the bond markets we monitor. Among other things, for market participants they serve as a comparison tool for issuers and regulatory factors. In the following categories, you will find Issuer Guides on covered bonds, SSA issuers, federal states, Canadian provinces as well as Australian and New Zealand regions. Covered Bonds Read more SSA/Public Issuers Read more Financials Read more Fixed Income Special Read more Newsletter Subscription Read more Here you will find our disclaimer Contact Tobias Cordes Floor Research | SSA/Public Issuers Mobile: Call Tobias Cordes +49 (0) 162 7606 673 Hannover send an e-mail Team Elias Degener Floor Research | Covered Bonds, Financials Mobile: Call Elias Degener +49 (0) 1578 5165 214 Hannover send an e-mail Team Lukas-Finn Frese Floor Research | SSA/Public Issuers Mobile: Call Lukas-Finn Frese +49 (0) 176 1528 9759 Hannover send an e-mail Team Lukas Kühne Floor Research | Covered Bonds, Financials Mobile: Call Lukas Kühne +49 (0) 176 1529 0932 Hannover send an e-mail Team Dr. Norman Rudschuck Floor Research | Head Mobile: Call Norman Rudschuck +49 (0) 1520 9024 094 Hannover send an e-mail Team...

Floor Research Covered Bonds Covered Bonds Where covered bonds are concerned, our focus is on the EUR benchmark bond segment. Here, we not only keep an eye on the developments of the global market, but also the currently more than 25 national sub-markets. We comment on current market events and structural developments on a weekly basis in our Covered Bond & SSA View, which includes assessments of primary and secondary market events, for example. This publication is complemented by our Issuer Guide on Covered Bonds, which offers profiles for all EUR benchmark issuers as well as general information on the covered bonds segment. In terms of the covered bond market, we also present the cover pools of German banks and covered bond savings banks on a quarterly basis as part of our §28 studies. Regulatory issues also play an important role, which is why we publish our report "Risk Weights and LCR Level of Covered Bonds" every six months. Covered Bond & SSA View Issuer Guides Specials Issuer Reports Banks Contact Elias Degener Floor Research | Covered Bonds, Financials Mobile: Call Elias Degener +49 (0) 1578 5165 214 Hannover send an e-mail Team Lukas Kühne Floor Research | Covered Bonds, Financials Mobile: Call Lukas Kühne +49 (0) 176 1529 0932 Hannover send an e-mail Team Dr. Norman Rudschuck Floor Research | Head Mobile: Call Norman Rudschuck +49 (0) 1520 9024 094 Hannover send an e-mail Team...

Terms and conditions NORD/LB Terms of Business Basic principles of the business relationship between customer and bank The General Terms of Business (ToBs) and the Specific Terms of Business pursuant to clause 1 (2) of the ToBs of NORD/LB apply to the business relationship between the customer and NORD/LB including its institution with partial legal capacities "Braunschweigische Landessparkasse" (BLSK). Pursuant to §13 NORD/LB State Treaty, rights and obligations established in the name of BLSK are equally such of NORD/LB. Any declarations received or made by BLSK may be enforced by or are binding on NORD/LB. General terms and conditions NORD/LB General Business Condition Version May 2025 Please note: The English version serves for information purposes only. The German version alone is legally binding. NORD/LB General terms and conditions for the dispatch of electronic invoices Version February 2025 Receipt of Invoices as Electronic Invoices via Email Version September 2026 Further terms and conditions The Special terms of business and the special terms of business for corporate customers can be found on the website of the Braunschweigische Landessparkasse: Special terms and conditions (in German only) Here you can find the special terms and conditions for foreign banks: Terms and conditions for foreign banks Contact General NORD/LB Customer Service Hotline Phone: Call General NORD/LB Customer Service Hotline +49 (0) 511 3610 send an e-mail...

Important phone numbers Important phone numbers If you have any questions about our offers or would like an intensive consulting or have lost your card, please give us a call. You will find the important phone numbers in the overview below. Lost card Universal emergency number throughout Germany +49 116 116 Further information under https://www.sperr-notruf.de/ (in German only). Lost debit card (EC card) +49 116 116 Lost MasterCard or VISA card +49 (0) 681 9376-4599 Travel emergency service for card holders +49 (0) 211 536-3666 Service-Hotline Customer service kundenservicecenter@nordlb.de Available Monday - Friday from 8.00 am to 6.00 pm. Country-specific fees apply. paydirekt +49 (0) 69 8600 441 44 24h hotline. Contact form at sparkassen-service-paydirekt.de (in German only) Software SFirm +49 (0) 511 361-5000 Available Monday - Friday from 8.00 am to 4.00 pm. Country-specific fees apply....

Legal Notices Legal notices § 28 Covered Bond Act Allocation Policy AML policy Compliance Corporate Governance Disclaimer > Emergency plan in accordance with Article 28 (2) of the Benchmark Regulation (BMR) EMIR European Investment Bank (EIB) FATCA Flat rate withholding tax Fraud Prevention IBOR Transition MiFIR Security mechanisms State treaty and statutes Submitting a note/complaint to NORD/LB Transparency guidelines UK Tax Strategy...