Subject: Admission to trading on the regulated market in Luxembourg ofseries 3 covered bonds with an aggregate nominal amount of PLN1,000,000,000

The Management Board of ING Bank Hipoteczny S.A. having its registeredoffice in Katowice, Poland (Bank), informs that on 30 September 2025covered bonds of the Bank, issued under the International Covered BondIssuance Program, were admitted to trading on the Luxembourg StockExchange (Bourse de Luxembourg), with the following parameters:

1. total nominal value: PLN 1,000,000,000;

2. the nominal value of a single covered bond: PLN 500,000;

3. number of the covered bonds admitted to trading: 2000;

4. a variable coupon of WIBOR 6M + 0,78% per cent, payable every sixmonths;

5. maturity date: 30 September 2029. The maturity date may be extendedin accordance with the provisions of the act on covered bonds andmortgage banks dated 29 August 1997;

6. series 3;

7. ISIN: XS3187646032;

8. the date of admission of covered bonds to trading and the date of thefirst listing 30 September 2025;

9. the rating agency Moody's Deutschland GmbH has assigned a rating ofAa1 to the issued series of covered bonds.

Legal basis: Article 56 par. 1(2) of the Act on public offering,conditions governing the introduction of financial instruments toorganised trading and on public companies dated 29 July 2005; § 18 ofthe Regulation of Minister of Finance dated 6 June 2025 on current andperiodic information provided by issuers of securities and theconditions for recognising information required by the law of anon-member state as equivalent (current information).