1.Bd Initiala

Erste Group Bank AG
1010 VIENNA BvD ID number AT46146

AUSTRIA Index number 46146
Publicly quoted Status Active
This entity is the GUO of the Corporate Group
Contact details
GRABEN 21 Phone number 43 (1) 711 94 0

Fax number 43 (1) 713 70 32
1010 VIENNA Web Site Address www.erstegroup.com
AUSTRIA
Status & accounts information
Formerly known as Erste Bank der Oesterreichischen Sparkassen AG

Bank History :
Established on October 4, 1997 following the merger between Erste Osterreichische Spar-Casse-Bank and GiroCredit
Bank Aktiengesellschaft der Sparkassen. In August 2008, Erste Bank der Oesterreichischen Sparkassen AG changed its
name to Erste Group Bank AG. In September 2011, Erste Group Bank AG absorbed Weinviertler Sparkasse AG.
Status Active Consolidation Code C2

Accounting Standards International Financial Nickname ERSTEIAS
Reporting Standards (IFRS) Source Annual Report
Accounts published in mil EUR Release Date 8/8/2012
Name of the Auditor Sparkassen Model ALLBANKS
Prufungsverband
Types of accounts Cons., Uncons. & Add. Cons.
available
Ranking/Size & main activity
Latest total assets 210,006 mil EUR Ranking (Country), 2011

Latest net income -563 mil EUR Ranking (Country), rolling
Market cap. 7,078.6 mil EUR
(29/10/2012) World rank, 2011
No of recorded 46 World rank, rolling
shareholders
No of recorded 555
subsidiaries
Specialisation Bank Holding & Holding
Companies
Peer Group
Peer Group Name Bank Holding Companies Europe (Excl. Eastern Europe)
Size 178
Bank ratings (as at 30/10/2012)

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information.
Country ratings (AUSTRIA, as at 30/10/2012)
information.
EIU Rating Date Action/Direction Outlook Watch
Overall country rating A 01/10/2012
Banking sector rating A 01/10/2012 Stable
Global summary
Consolidated statements IFRS IFRS IFRS IFRS IFRS

Unqualified Unqualified Unqualified Unqualified Unqualified
Original Original Original Original Original
31/12/2011 31/12/2010 31/12/2009 31/12/2008 31/12/2007
12 months 12 months 12 months 12 months 12 months
mil EUR mil EUR mil EUR mil EUR mil EUR
BALANCE SHEET
Assets
Loans 127,722.2 126,610.2 124,179.4 122,402.1 110,659.4 93
Gross Loans 134,749.5 132,729.3 129,133.7 126,184.9 113,955.9 97
Less: Reserves for Impaired Loans/ NPLs 7,027.3 6,119.1 4,954.3 3,782.8 3,296.5 3
Other Earning Assets 62,689.7 61,149.5 57,518.4 57,654.1 68,721.0 67
Loans and Advances to Banks 7,577.7 12,496.5 13,139.9 14,344.0 14,937.1 16
Derivatives 10,931.0 8,474.1 2,586.0 2,532.0 1,810.0 1
Other Securities 44,181.0 40,178.9 40,538.7 39,499.1 42,688.9 41
Remaining earning assets n.a. n.a. 1,253.8 1,279.0 9,285.0 8
Total Earning Assets 190,411.9 187,759.7 181,697.8 180,056.2 179,380.4 161
Fixed Assets 2,360.8 2,445.6 2,343.9 2,386.0 2,288.7 2
Non-Earning Assets 17,233.6 15,732.7 17,668.5 18,998.9 18,849.7 17
Total Assets 210,006.3 205,938.0 201,710.2 201,441.1 200,518.8 181
Liabilities & Equity

Deposits & Short term funding 142,665.5 137,170.3 141,810.5 150,048.2 144,065.0 132
Total Customer Deposits 118,880.2 117,016.3 112,042.4 109,304.6 100,116.4 90
Deposits from Banks 23,785.3 20,154.0 26,295.1 34,671.6 35,164.6 37
Other Deposits and Short-term Borrowings n.a. n.a. 3,473.0 6,072.0 8,784.0 3
Other interest bearing liabilities 44,926.3 45,348.3 35,444.2 32,977.8 29,638.7 24
Derivatives 9,336.6 7,996.1 2,394.0 2,245.0 1,369.0 1
Trading Liabilities 535.5 215.7 762.7 274.6 386.7
Long term funding 35,054.2 37,136.5 32,287.5 30,458.2 27,883.0 23
Other (Non-Interest bearing) 4,144.4 4,746.2 6,662.7 5,699.5 13,620.1 11
Loan Loss Reserves n.a. n.a. n.a. n.a. n.a.
Other Reserves 1,580.1 1,544.5 1,670.0 1,620.4 1,791.7 1
Equity 16,690.0 17,128.7 16,122.8 11,095.2 11,403.3 10
Total Liabilities & Equity 210,006.3 205,938.0 201,710.2 201,441.1 200,518.8 181
Notes
Impaired Loans (Memo) 11,388.0 10,087.4 8,537.0 6,345.0 4,763.0 4
Loan Loss Reserves (Memo) 7,027.3 6,119.1 4,954.3 3,782.8 3,296.5 3
Liquid Assets (Memo) 24,679.5 26,305.5 25,148.2 26,902.6 27,378.8 33
Intangibles (Memo) 3,532.0 4,674.6 4,867.0 4,804.5 5,962.3 6
Off Balance Sheet Items n.a. n.a. n.a. 38,127.0 40,694.0 35
Hybrid Capital (Memo) 1,239.0 1,180.0 1,180.0 1,256.0 1,247.0 1

Subordinated Debts (Memo) 3,033.6 4,658.0 4,968.4 4,790.6 4,341.8 2
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008 31/12/2007
Net Interest Revenue 5,561.0 5,391.5 5,208.2 4,891.6 3,922.0 3
Other Operating Income 1,299.2 1,971.6 1,917.1 1,779.2 2,435.4 2
Net Gains (Losses) on Trading and Derivatives 122.3 456.2 585.1 114.7 351.1
Net Gains (Losses) on Assets at FV through Income 0.3 -6.0 113.2 -295.6 -47.8
Statement
Net Fees and Commissions 1,787.2 1,936.0 1,772.8 1,971.0 1,857.9 1
Remaining Operating Income -610.6 -414.6 -554.0 -10.9 274.2
Overheads 3,850.9 3,816.8 3,807.4 4,444.1 4,010.2 3
Loan Loss Provisions 2,266.9 2,031.2 2,056.6 1,071.4 454.7
Other -1,064.6 n.a. n.a. -579.1 n.a.
Profit before Tax -322.2 1,515.1 1,261.3 576.2 1,892.5 1
Tax 240.4 328.7 284.7 177.3 371.0
Net Income -562.6 1,186.4 976.6 1,038.6 1,549.9 1
Operating Income (Memo) 6,852.2 7,342.1 7,112.6 6,649.3 6,333.7 5
Dividend Paid n.a. 264.7 295.0 309.0 347.0
Total Capital Ratio 14.40 13.50 12.70 10.10 10.50

Tier 1 Ratio 10.40 10.20 9.20 7.20 7.00
Total Capital 16,415.0 16,220.0 15,772.0 11,758.0 11,114.0 10
Tier 1 Capital 11,909.0 12,219.0 11,450.0 7,641.0 6,802.0 6
Net-Charge Offs n.a. n.a. 47.4 19.9 -4.5
Universal bank model

31/12/2011 31/12/2010 31/12/2009 31/12/2008 31/12/2007
Income Statement
Interest Income on Loans 6,426.5 6,306.9 7,128.5 10,007.1 7,676.9 6

Other Interest Income 2,924.1 2,488.0 3,143.7 1,937.4 1,988.5
Dividend Income n.a. n.a. n.a. n.a. n.a.
Gross Interest and Dividend Income 9,350.6 8,794.9 10,272.2 11,944.5 9,665.4 6
Interest Expense on Customer Deposits 1,831.8 1,661.7 2,431.4 3,259.1 2,404.1 2

Other Interest Expense 1,957.8 1,741.7 2,632.6 3,793.8 3,339.3 1
Total Interest Expense 3,789.6 3,403.4 5,064.0 7,052.9 5,743.4 3
Net Interest Income 5,561.0 5,391.5 5,208.2 4,891.6 3,922.0 3
Net Gains (Losses) on Trading and Derivatives 122.3 456.2 585.1 114.7 351.1
Net Gains (Losses) on Other Securities -93.3 3.7 -210.9 -274.9 51.7
Net Gains (Losses) on Assets at FV through Income 0.3 -6.0 113.2 -295.6 -47.8
Statement
Net Insurance Income n.a. n.a. n.a. n.a. n.a.
Net Fees and Commissions 1,787.2 1,936.0 1,772.8 1,971.0 1,857.9 1
Other Operating Income -525.3 -439.3 -355.8 242.5 198.8
Total Non-Interest Operating Income 1,291.2 1,950.6 1,904.4 1,757.7 2,411.7 2
Personnel Expenses 2,323.7 2,264.0 2,227.5 2,313.8 2,189.3 1
Other Operating Expenses 1,527.2 1,552.8 1,579.9 2,130.3 1,820.9 1
Total Non-Interest Expenses 3,850.9 3,816.8 3,807.4 4,444.1 4,010.2 3
Equity-accounted Profit/ Loss - Operating 8.0 21.0 12.7 21.5 23.7

Pre-Impairment Operating Profit 3,009.3 3,546.3 3,317.9 2,226.7 2,347.2 1
Loan Impairment Charge 2,266.9 2,031.2 2,056.6 1,071.4 454.7
Securities and Other Credit Impairment Charges n.a. n.a. n.a. n.a. n.a.
Operating Profit 742.4 1,515.1 1,261.3 1,155.3 1,892.5 1
Equity-accounted Profit/ Loss - Non-operating n.a. n.a. n.a. n.a. n.a.

Non-recurring Income n.a. n.a. n.a. n.a. n.a.
Non-recurring Expense 1,064.6 n.a. n.a. 579.1 n.a.
Change in Fair Value of Own Debt n.a. n.a. n.a. n.a. n.a.
Other Non-operating Income and Expenses n.a. n.a. n.a. n.a. n.a.
Pre-tax Profit -322.2 1,515.1 1,261.3 576.2 1,892.5 1
Tax expense 240.4 328.7 284.7 177.3 371.0
Profit/Loss from Discontinued Operations 0.0 0.0 0.0 639.7 28.4
Net Income -562.6 1,186.4 976.6 1,038.6 1,549.9 1
Change in Value of AFS Investments -64.6 77.0 -355.0 -1,479.0 -596.0

Revaluation of Fixed Assets n.a. n.a. n.a. n.a. n.a.
Currency Translation Differences -232.9 78.0 n.a. n.a. n.a.
Remaining OCI Gains/(losses) 10.9 n.a. -328.0 n.a. n.a.
Fitch Comprehensive Income -849.2 1,341.4 293.6 -440.4 953.9
Memo: Profit Allocation to Non-controlling Interests 156.3 171.0 73.2 179.0 375.3
Memo: Net Income after Allocation to Non- -718.9 1,015.4 903.4 859.6 1,174.6
controlling Interests
Memo: Common Dividends Relating to the Period n.a. 264.7 295.0 309.0 347.0
Memo: Preferred Dividends Related to the Period n.a. n.a. n.a. n.a. n.a.
Balance Sheet
Assets
Loans
Residential Mortgage Loans n.a. n.a. n.a. n.a. n.a.
Other Mortgage Loans n.a. n.a. n.a. n.a. n.a.
Other Consumer/ Retail Loans n.a. n.a. 51,702.0 49,753.0 43,341.0 36
Corporate & Commercial Loans n.a. n.a. 70,296.0 70,000.0 64,289.0 54
Other Loans 134,749.5 132,729.3 7,135.7 6,431.9 6,325.9 6
Less: Reserves for Impaired Loans/ NPLs 7,027.3 6,119.1 4,954.3 3,782.8 3,296.5 3
Net Loans 127,722.2 126,610.2 124,179.4 122,402.1 110,659.4 93
Gross Loans 134,749.5 132,729.3 129,133.7 126,184.9 113,955.9 97
Memo: Impaired Loans included above 11,388.0 10,087.4 8,537.0 6,345.0 4,763.0 4
Memo: Loans at Fair Value included above n.a. n.a. n.a. n.a. n.a.
Other Earning Assets
Loans and Advances to Banks 7,577.7 12,496.5 13,139.9 14,344.0 14,937.1 16
Reverse Repos and Cash Collateral n.a. n.a. n.a. n.a. n.a.
Trading Securities and at FV through Income 7,689.0 7,969.6 6,012.0 5,002.4 4,826.7 9
Derivatives 10,931.0 8,474.1 2,586.0 2,532.0 1,810.0 1
Available for Sale Securities 20,245.0 17,751.1 16,389.8 16,033.1 16,200.4 14
Held to Maturity Securities 16,074.0 14,234.7 14,899.1 14,145.4 16,843.1 16
At-equity Investments in Associates 173.0 223.5 240.6 260.4 285.1
Other Securities n.a. n.a. 2,997.2 4,057.8 4,533.6
Total Securities 55,112.0 48,653.0 43,124.7 42,031.1 44,498.9 42
Memo: Government Securities included Above n.a. n.a. n.a. n.a. n.a.
Memo: Total Securities Pledged n.a. n.a. n.a. n.a. n.a.
Investments in Property n.a. n.a. 1,196.0 1,279.0 1,231.0 1
Insurance Assets n.a. n.a. n.a. 0.0 8,054.0 7
Other Earning Assets n.a. n.a. 57.8 0.0 0.0
Total Earning Assets 190,411.9 187,759.7 181,697.8 180,056.2 179,380.4 161
Non-earning Assets
Cash and Due From Banks 9,412.8 5,839.4 5,996.3 7,556.2 7,615.0 7
Memo: Mandatory Reserves included above n.a. n.a. n.a. n.a. n.a.
Foreclosed Real Estate n.a. n.a. n.a. n.a. n.a.
Fixed Assets 2,360.8 2,445.6 2,343.9 2,386.0 2,288.7 2
Goodwill n.a. 3,319.8 3,320.0 3,411.0 4,390.0 4
Other Intangibles 3,532.0 1,354.8 1,547.0 1,393.5 1,572.3 1
Current Tax Assets 115.6 116.5 124.0 58.0 31.0
Deferred Tax Assets 701.8 417.6 453.5 800.6 415.1
Discontinued Operations n.a. n.a. n.a. n.a. n.a.
Other Assets 3,471.4 4,684.6 6,227.7 5,779.6 4,826.3 3
Total Assets 210,006.3 205,938.0 201,710.2 201,441.1 200,518.8 181
Liabilities and Equity
Interest-bearing Liabilities
Customer Deposits - Current 118,880.2 117,016.3 58,674.4 59,772.6 54,913.4 48
Customer Deposits - Savings n.a. n.a. 53,368.0 49,532.0 45,203.0 42
Customer Deposits - Term n.a. n.a. n.a. n.a. n.a.
Total Customer Deposits 118,880.2 117,016.3 112,042.4 109,304.6 100,116.4 90
Deposits from Banks 23,785.3 20,154.0 26,295.1 34,671.6 35,164.6 37
Repos and Cash Collateral n.a. n.a. n.a. n.a. n.a.
Other Deposits and Short-term Borrowings n.a. n.a. 3,473.0 6,072.0 8,784.0 3
Total Deposits, Money Market and Short-term 142,665.5 137,170.3 141,810.5 150,048.2 144,065.0 132
Funding
Senior Debt Maturing after 1 Year 30,781.6 31,298.5 26,139.1 24,411.6 22,294.2 19
Subordinated Borrowing 3,033.6 4,658.0 4,968.4 4,790.6 4,341.8 2
Other Funding n.a. n.a. 0.0 n.a. n.a.
Total Long Term Funding 33,815.2 35,956.5 31,107.5 29,202.2 26,636.0 22
Derivatives 9,336.6 7,996.1 2,394.0 2,245.0 1,369.0 1
Trading Liabilities 535.5 215.7 762.7 274.6 386.7
Total Funding 186,352.8 181,338.6 176,074.7 181,770.0 172,456.7 155
Non-interest Bearing Liabilities
Fair Value Portion of Debt n.a. n.a. n.a. n.a. n.a.
Credit impairment reserves n.a. n.a. n.a. n.a. n.a.
Reserves for Pensions and Other 1,580.1 1,544.5 1,670.0 1,620.4 1,791.7 1
Current Tax Liabilities 33.7 68.4 30.0 110.0 67.0
Deferred Tax Liabilities 344.7 328.1 331.1 279.1 262.3
Other Deferred Liabilities n.a. n.a. n.a. n.a. n.a.
Discontinued Operations n.a. n.a. n.a. n.a. n.a.
Insurance Liabilities n.a. n.a. n.a. 0.0 8,638.3 7
Other Liabilities 3,766.0 4,349.7 6,301.6 5,310.4 4,652.5 3
Total Liabilities 192,077.3 187,629.3 184,407.4 189,089.9 187,868.5 169
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 1,239.0 1,180.0 1,180.0 1,256.0 1,247.0 1
Debt
Pref. Shares and Hybrid Capital accounted for as 1,510.0 1,764.0 1,764.0 n.a. n.a.
Equity
Equity
Common Equity 12,859.1 12,400.2 11,316.5 9,466.7 9,093.0 8
Non-controlling Interest 3,142.9 3,543.5 3,414.3 3,016.5 2,951.3 2
Securities Revaluation Reserves -316.0 -278.0 -372.0 -1,479.0 -596.0
Foreign Exchange Revaluation Reserves -541.0 -312.0 n.a. n.a. n.a.
Fixed Asset Revaluations and Other Accumulated 35.0 11.0 n.a. 91.0 -45.0
OCI
Total Equity 15,180.0 15,364.7 14,358.8 11,095.2 11,403.3 10
Total Liabilities and Equity 210,006.3 205,938.0 201,710.2 201,441.1 200,518.8 181
Memo: Fitch Core Capital 11,290.9 10,600.6 9,355.8 6,234.7 n.a.
Memo: Fitch Eligible Capital 12,518.9 11,780.6 10,535.8 7,490.7 n.a.
Summary Analytics
Profitability Ratios
Interest Ratios
Interest Income on Loans/ Average Gross Loans% 4.80 4.82 5.57 8.30 7.38
Interest Expense on Customer Deposits/ Average 1.53 1.44 2.18 3.07 2.54
Customer Deposits%
Interest Income/ Average Earning Assets% 4.83 4.74 5.66 6.51 5.63
Interest Expense/ Average Interest-bearing 2.02 1.89 2.82 3.93 3.47
Liabilities%
Net Interest Income/ Average Earning Assets% 2.87 2.91 2.87 2.67 2.29
Net Int. Inc Less Loan Impairment Charges/ Av. 1.70 1.81 1.74 2.08 2.02
Earning Assets%
Net Interest Inc Less Preferred Stock Dividend/ 2.87 2.91 2.87 2.67 2.29
Average Earning Assets%
Other Operating Profitability Ratios
Non-Interest Income/ Gross Revenues% 18.84 26.57 26.78 26.43 38.08
Non-Interest Expense/ Gross Revenues% 56.20 51.99 53.53 66.84 63.32
Non-Interest Expense/ Average Assets% 1.82 1.85 1.88 2.16 2.08
Pre-impairment Op. Profit/ Average Equity% 19.84 23.53 25.57 19.34 20.91
Pre-impairment Op. Profit/ Average Total Assets% 1.42 1.72 1.64 1.08 1.22
Loans and securities impairment charges/ Pre- 75.33 57.28 61.98 48.12 19.37
impairment Op. Profit%
Operating Profit/ Average Equity% 4.89 10.05 9.72 10.03 16.86
Operating Profit/ Average Total Assets% 0.35 0.73 0.62 0.56 0.98
Taxes/ Pre-tax Profit% -74.61 21.69 22.57 30.77 19.60
Pre-Impairment Operating Profit / Risk Weighted 2.64 2.96 2.68 2.15 2.47
Assets%
Operating Profit / Risk Weighted Assets% 0.65 1.26 1.02 1.11 1.99
Other Profitability Ratios
Net Income/ Average Total Equity% -3.71 7.87 7.53 9.02 13.81
Net Income/ Average Total Assets% -0.27 0.58 0.48 0.51 0.81
Fitch Comprehensive Income/ Average Total Equity -5.60 8.90 2.26 -3.82 8.50
%
Fitch Comprehensive Income/ Average Total Assets -0.40 0.65 0.15 -0.21 0.50
%
Net Income/ Av. Total Assets plus Av. Managed n.a. n.a. n.a. n.a. n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% -0.49 0.99 0.79 1.00 1.63
Fitch Comprehensive Income/ Risk Weighted Assets -0.74 1.12 0.24 -0.42 1.00
%
Capitalization
Fitch Core Capital/Weighted Risks% 9.90 8.85 7.55 6.01 n.a.
Fitch Eligible Capital/ Weighted Risks% 10.98 9.83 8.50 7.23 n.a.
Tangible Common Equity/ Tangible Assets% 5.64 5.31 4.60 3.17 2.77
Tier 1 Regulatory Capital Ratio% 10.40 10.20 9.20 7.20 7.00
Total Regulatory Capital Ratio% 14.40 13.50 12.70 10.10 10.50
Core Tier 1 Regulatory Capital Ratio% 9.40 9.20 n.a. n.a. n.a.
Equity/ Total Assets% 7.23 7.46 7.12 5.51 5.69
Cash Dividends Paid & Declared/ Net Income% n.a. 22.31 30.21 29.75 22.39
Cash Dividend Paid & Declared/ Fitch n.a. 19.73 100.48 -70.16 36.38
Comprehensive Income%
Cash Dividends & Share Repurchase/Net Income% n.a. n.a. n.a. n.a. n.a.
Net Income - Cash Dividends/ Total Equity% -3.71 6.00 4.75 6.58 10.55
Loan Quality
Growth of Total Assets% 1.98 2.10 0.13 0.46 10.36
Growth of Gross Loans% 1.52 2.78 2.34 10.73 17.35
Impaired Loans(NPLs)/ Gross Loans% 8.45 7.60 6.61 5.03 4.18
Reserves for Impaired Loans/ Gross loans% 5.22 4.61 3.84 3.00 2.89
Reserves for Impaired Loans/ Impaired Loans% 61.71 60.66 58.03 59.62 69.21
Impaired Loans less Reserves for Imp Loans/ Equity 28.73 25.83 24.95 23.09 12.86
%
Loan Impairment Charges/ Average Gross Loans% 1.69 1.55 1.61 0.89 0.44
Net Charge-offs/ Average Gross Loans% n.a. n.a. 0.04 0.02 0.00
Impaired Loans + Foreclosed Assets/ Gross Loans + 8.45 7.60 6.61 5.03 4.18
Foreclosed Assets%
Funding
Loans/ Customer Deposits% 113.35 113.43 115.25 115.44 113.82
Interbank Assets/ Interbank Liabilities% 31.86 62.01 49.97 41.37 42.48
Customer Deposits/ Total Funding excl Derivatives% 67.16 67.51 64.51 60.89 58.52
Reference Data
Off-balance Sheet Items
Managed Securitized Assets Reported Off-Balance n.a. n.a. n.a. n.a. n.a.
Sheet
Other off-balance sheet exposure to securitizations n.a. n.a. n.a. n.a. n.a.
Guarantees n.a. n.a. n.a. 15,212.0 18,765.0 14

Acceptances and documentary credits reported off- n.a. n.a. n.a. n.a. n.a.
balance sheet
Committed Credit Lines n.a. n.a. n.a. 22,149.0 21,193.0 19
Other Contingent Liabilities n.a. n.a. n.a. 766.0 736.0 1
Total Business Volume 210,006.3 205,938.0 201,710.2 239,568.1 241,212.8 217
Memo: Total Weighted Risks 114,019.0 119,800.0 123,891.0 103,663.0 95,091.0 94
Fitch Adjustments to Weighted Risks. n.a. n.a. n.a. n.a. n.a.
Fitch Adjusted Weighted Risks 114,019.0 119,800.0 123,891.0 103,663.0 95,091.0 94
Average Balance Sheet
Average Loans 133,918.6 130,918.4 127,943.9 120,608.3 103,979.9 86
Average Earning Assets 193,612.9 185,563.3 181,407.0 183,529.5 171,599.7 151
Average Assets 211,939.9 206,249.4 201,988.5 205,372.6 192,532.0 163
Average Managed Assets Securitized Assets (OBS) n.a. n.a. n.a. n.a. n.a.
Average Interest-Bearing Liabilities 187,694.5 179,918.3 179,853.5 179,457.9 165,365.1 139
Average Common equity 12,218.9 11,723.1 10,099.6 9,554.6 8,591.1 6
Average Equity 15,170.3 15,072.7 12,978.0 11,514.8 11,224.6 9
Average Customer Deposits 119,501.1 115,308.1 111,372.0 106,087.7 94,789.2 79
Maturities
Loans & Advances < 3 months n.a. n.a. n.a. n.a. 20,952.0 18
Loans & Advances 3 - 12 Months n.a. n.a. n.a. n.a. 13,151.0 12
Loans and Advances 1 - 5 Years n.a. n.a. n.a. n.a. 26,315.5 23
Loans & Advances > 5 years n.a. n.a. n.a. n.a. 50,241.0 40
Debt Securities < 3 Months n.a. n.a. n.a. n.a. 4,956.0 2

Debt Securities 3 - 12 Months n.a. n.a. n.a. n.a. 4,329.0 3
Debt Securities 1 - 5 Years n.a. n.a. n.a. n.a. 30,395.0 31
Debt Securities > 5 Years n.a. n.a. n.a. n.a. n.a.
Interbank < 3 Months n.a. n.a. n.a. n.a. 10,263.0 12

Interbank 3 - 12 Months n.a. n.a. n.a. n.a. 2,424.0 2
Interbank 1 - 5 Years n.a. n.a. n.a. n.a. 1,859.0 1
Interbank > 5 Years n.a. n.a. n.a. n.a. 391.0
Retail Deposits < 3 months n.a. n.a. n.a. n.a. n.a.

Retail Deposits 3 - 12 Months n.a. n.a. n.a. n.a. n.a.
Retail Deposits 1 - 5 Years n.a. n.a. n.a. n.a. n.a.
Retail Deposits > 5 Years n.a. n.a. n.a. n.a. n.a.
Other Deposits < 3 Months n.a. n.a. n.a. n.a. 62,152.0 54

Other Deposits 3 - 12 Months n.a. n.a. n.a. n.a. 16,738.0 12
Other Deposits 1 - 5 Years n.a. n.a. n.a. n.a. 21,226.0 23
Other Deposits > 5 Years n.a. n.a. n.a. n.a. n.a.
Interbank < 3 Months n.a. n.a. n.a. n.a. 28,854.0 30

Interbank 3 - 12 Months n.a. n.a. n.a. n.a. 1,770.0 2
Interbank 1 - 5 Years n.a. n.a. n.a. n.a. 4,541.0 5
Interbank > 5 Years n.a. n.a. n.a. n.a. n.a.
Senior Debt Maturing < 3 months n.a. n.a. n.a. n.a. n.a.
Senior Debt Maturing 3-12 Months n.a. n.a. n.a. n.a. 11,989.0 5
Senior Debt Maturing 1- 5 Years n.a. n.a. n.a. n.a. 19,089.0 15
Senior Debt Maturing > 5 Years n.a. n.a. n.a. n.a. n.a.
Total Senior Debt on Balance Sheet n.a. n.a. n.a. n.a. 31,078.0 21
Fair Value Portion of Senior Debt n.a. n.a. n.a. n.a. n.a.
Covered Bonds n.a. n.a. n.a. n.a. n.a.
Subordinated Debt Maturing < 3 months n.a. n.a. n.a. n.a. n.a.
Subordinated Debt Maturing 3-12 Months n.a. n.a. n.a. n.a. n.a.
Subordinated Debt Maturing 1- 5 Year n.a. n.a. n.a. n.a. n.a.
Subordinated Debt Maturing > 5 Years n.a. n.a. n.a. n.a. n.a.
Total Subordinated Debt on Balance Sheet 3,033.6 4,658.0 4,968.4 4,790.6 4,341.8 2
Fair Value Portion of Subordinated Debt n.a. n.a. n.a. n.a. n.a.
Net Income Reconciliation
Net Income -562.6 1,186.4 976.6 1,038.6 1,549.9 1
Add: Other Adjustments n.a. n.a. n.a. n.a. n.a.
Published Net Income -562.6 1,186.4 976.6 n.a. n.a.
Equity Reconciliation
Equity 15,180.0 15,364.7 14,358.8 11,095.2 11,403.3 10
Add: Pref. Shares and Hybrid Capital accounted for 1,510.0 1,764.0 1,764.0 n.a. n.a.
as Equity
Add: Other Adjustments n.a. n.a. n.a. n.a. n.a.
Published Equity 16,690.0 n.a. n.a. n.a. n.a.
Fitch Eligible Capital Reconciliation

Total Equity as reported (including non-controlling 15,180.0 15,364.7 14,358.8 11,095.2 11,403.3 10
interests)
Fair value effect incl in own debt/borrowings at fv 0.0 0.0 0.0 0.0 n.a.
on the B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 0.0 0.0 0.0 n.a.
Goodwill 0.0 3,319.8 3,320.0 3,411.0 4,390.0 4
Other intangibles 3,532.0 1,354.8 1,547.0 1,393.5 1,572.3 1
Deferred tax assets deduction 357.1 89.5 136.0 56.0 47.0
Net asset value of insurance subsidiaries 0.0 0.0 0.0 0.0 n.a.
First loss tranches of off-balance sheet 0.0 0.0 0.0 0.0 n.a.
securitizations
Fitch Core Capital 11,290.9 10,600.6 9,355.8 6,234.7 n.a.
Eligible weighted Hybrid capital 1,228.0 -30.0 -30.0 1,256.0 1,247.0 1
Government held Hybrid Capital 0.0 1,210.0 1,210.0 0.0 n.a.
Fitch Eligible Capital 12,518.9 11,780.6 10,535.8 7,490.7 n.a.
Eligible Hybrid Capital Limit 4,838.9 4,543.1 4,009.6 2,672.0 n.a.
Additional Income Statement Input
Interest Income and Expense
Interest Income on Mortgage Loans n.a. n.a. n.a. n.a. n.a.
Interest Income on Other Consumer/ Retail Loans n.a. n.a. n.a. 8,120.4 6,334.1
Interest Income on Corporate & Commercial Loans n.a. n.a. n.a. 1,886.7 1,342.8
Interest Income on Other Loans n.a. n.a. n.a. n.a. n.a.
Total Interest Income on Loans 6,426.5 6,306.9 7,128.5 10,007.1 7,676.9 6
Memo: Interest on Leases included in Loan Interest n.a. n.a. n.a. n.a. n.a.
Memo: Interest Income on Impaired Financial n.a. n.a. n.a. n.a. n.a.
Assets
Interest Expense on Customer Deposits - Current n.a. n.a. n.a. n.a. n.a.
Interest Expense on Customer Deposits - Savings n.a. n.a. n.a. n.a. n.a.
Interest Expense on Customer Deposits - Term n.a. n.a. n.a. n.a. n.a.
Total Interest Expense on Customer Deposits 1,831.8 1,661.7 2,431.4 3,259.1 2,404.1 2
Total Interest Expense on Other Deposits and ST n.a. n.a. n.a. n.a. n.a.
Borrowing
Interest Expense on Long-term Borrowing n.a. n.a. n.a. n.a. n.a.
Interest Expense on Subordinated Borrowing n.a. n.a. n.a. n.a. n.a.
Interest Expense on Other Funding n.a. n.a. n.a. n.a. n.a.
Total Interest Expense on Long-term Funding n.a. n.a. n.a. n.a. n.a.
Memo: Interest on Hybrids included above n.a. n.a. n.a. n.a. n.a.
Memo: Interest Expense on Leases included above n.a. n.a. n.a. n.a. n.a.
Income from Foreign Exchange (ex trading) n.a. n.a. n.a. n.a. n.a.
Negative Goodwill in Non-operating Income n.a. n.a. n.a. n.a. n.a.
Goodwill write-off n.a. n.a. n.a. n.a. n.a.
Additional Balance Sheet and Obs Input
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a. n.a. 4,475.0 4,021.0 3
breakdown)
Trading Assets - Debt Securities - Governments n.a. n.a. n.a. n.a. n.a.
Trading Assets - Debt Securities - Banks n.a. n.a. n.a. n.a. n.a.
Trading Assets - Debt Securities - Corporates n.a. n.a. n.a. n.a. n.a.
Trading Assets - Debt Securities - Structured n.a. n.a. n.a. n.a. n.a.
Trading Assets - Equities n.a. n.a. n.a. 527.0 806.0 1
Trading Assets - Commodities n.a. n.a. n.a. n.a. n.a.
Debt Sec. designated at FV through the Income n.a. n.a. n.a. n.a. n.a.
Statement (where no split)
Debt Securities designated at FV through the n.a. n.a. n.a. n.a. n.a.
Income Statement - Governments
Income Statement - Banks
Income Statement - Corporates
Income Statement - Structured
Equity Securities designated at FV through the n.a. n.a. n.a. n.a. n.a.
Income Statement
Loans at FV through the Income Statement n.a. n.a. n.a. n.a. n.a.
Trading Assets - Other n.a. n.a. n.a. 2,532.4 1,809.7
Total Trading Assets at FV through the Income n.a. n.a. n.a. 7,534.4 6,636.7 4
Statement
AFS Assets - Debt Securities (where no issuer n.a. n.a. n.a. 12,845.1 12,855.4 11
breakdown)
AFS Assets - Government n.a. n.a. n.a. n.a. n.a.
AFS Assets - Banks n.a. n.a. n.a. n.a. n.a.
AFS Assets - Corporates n.a. n.a. n.a. n.a. n.a.
AFS Assets - Structured n.a. n.a. n.a. n.a. n.a.
AFS Assets - Equities n.a. n.a. n.a. 3,188.0 3,345.0 3
AFS Assets - Other n.a. n.a. n.a. n.a. n.a.
Total AFS Assets 20,245.0 17,751.1 16,389.8 16,033.1 16,200.4 14
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. n.a. 14,145.4 16,843.1 16
HTM - Government n.a. n.a. n.a. n.a. n.a.

HTM Assets - Banks n.a. n.a. n.a. n.a. n.a.
HTM Assets - Corporates n.a. n.a. n.a. n.a. n.a.
HTM Assets - Structured n.a. n.a. n.a. n.a. n.a.
Total HTM Debt Securities 16,074.0 14,234.7 14,899.1 14,145.4 16,843.1 16
Total Debt Securities - Government n.a. n.a. n.a. n.a. n.a.
Total Debt Securities - Banks n.a. n.a. n.a. n.a. n.a.
Total Debt Securities - Corporates n.a. n.a. n.a. n.a. n.a.
Total Debt Securities - Structured n.a. n.a. n.a. n.a. n.a.
Total Debt Securities - Equities & Other n.a. n.a. n.a. 6,247.4 5,960.7 4
Asset Quality Data

Net Charge-offs
Gross Charge-offs n.a. n.a. 81.2 80.7 89.4
Recoveries n.a. n.a. 33.8 60.8 93.9
Net Charge-offs n.a. n.a. 47.4 19.9 -4.5
Reserves
Collective/General Loan Impairment Reserves n.a. 804.0 1,177.3 780.8 865.5
Individual/Specific Loan Impairment Reserves n.a. 5,315.0 3,777.0 3,002.0 2,431.0 3
Non-performing/impaired Loans
Normal Loans n.a. n.a. n.a. n.a. n.a.
Special Mention Loans n.a. n.a. n.a. n.a. n.a.
Substandard Loans n.a. n.a. n.a. n.a. n.a.
Doubtful Loans n.a. n.a. n.a. n.a. n.a.
Loss Loans n.a. n.a. n.a. n.a. n.a.
Other Classified Loans n.a. n.a. n.a. n.a. n.a.
+90 Days past due n.a. n.a. n.a. n.a. n.a.

Nonaccrual Loans n.a. n.a. n.a. n.a. n.a.
Restructured Loans n.a. n.a. n.a. n.a. n.a.
Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 12,037.0 n.a. 8,688.0 5,217.0 5,189.0 5
Legal Reserves n.a. n.a. n.a. n.a. n.a.

Retained Earnings n.a. n.a. 4,020.5 7,266.2 6,855.3 2
Profit/Loss Reserve/Income for the period net of n.a. n.a. n.a. n.a. n.a.
dividends
Stock Options to be Settled in Equity n.a. n.a. n.a. n.a. n.a.
Treasury Shares n.a. n.a. n.a. n.a. n.a.
Non-controlling Interest 3,142.9 3,543.5 3,414.3 3,016.5 2,951.3 2
Other Common Equity 12,037.1 11,821.2 10,944.5 8,078.7 8,452.0 7
Total Common Equity 15,180.0 15,364.7 14,358.8 8,079.0 9,092.9 8
Valuation Reserves for AFS Securities in OCI Total n.a. -278.0 -355.0 -1,479.0 -596.0
Valuation Reserves for FX in OCI n.a. -312.0 -390.0 n.a. n.a.
Valuation Reserves for PP&E/Fixed Assets in OCI n.a. n.a. n.a. n.a. n.a.
Valuation Reserves in OCI - Other n.a. n.a. n.a. n.a. n.a.
Total Valuation Reserves in OCI n.a. -590.0 -745.0 -1,479.0 -596.0
Cash Flow Hedge Reserve n.a. 11.0 73.0 91.0 -45.0
Stock Options to be Settles with Equity Securities n.a. n.a. n.a. n.a. n.a.
Pension Reserve Direct to Equity n.a. n.a. n.a. n.a. n.a.
Other OCI Reserves n.a. n.a. n.a. n.a. n.a.
Total OCI Reserves n.a. -579.0 -672.0 -1,388.0 -641.0
Other Equity Reserves n.a. n.a. n.a. n.a. n.a.
Total Other Equity Reserves n.a. -579.0 -672.0 -1,388.0 -641.0
Hybrid Securities Reported in Equity 1,510.0 1,764.0 1,764.0 n.a. n.a.
Total Reported Equity including Non-controlling 16,690.0 17,128.7 16,122.8 11,095.2 11,403.3 10
Interests
Non-controlling Minority Interest - not loss- n.a. n.a. n.a. n.a. n.a.
absorbing
Component of Convertible Bond Reported in Equity n.a. n.a. n.a. n.a. n.a.
Other Non-loss Absorbing Items Reported in Equity n.a. n.a. n.a. n.a. n.a.
Dividend Declared after Year-End n.a. n.a. n.a. n.a. n.a.

Total Dividends Related to Period n.a. n.a. 295.0 309.0 347.0
Total Dividends Paid and Declared in Period n.a. 264.7 295.0 309.0 347.0
Share Repurchase n.a. n.a. n.a. n.a. n.a.
Deferred Tax Assets to be Deducted from Core n.a. n.a. 453.5 56.0 47.0
Capital
Intangibles to be deducted from Core Capital n.a. n.a. n.a. 513.0 485.0
Embedded Value n.a. n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class A n.a. n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class B n.a. n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class C n.a. n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class D n.a. n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class E 1,228.0 1,180.0 1,180.0 1,256.0 1,247.0 1
Weighted Total of Fitch Hybrid Capital Classes 1,228.0 1,180.0 1,180.0 1,256.0 1,247.0 1
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 1,228.0 -30.0 -30.0 1,256.0 1,247.0 1
Govt held Hybrid Capital
Regulatory Tier 1 Capital 11,909.0 12,219.0 11,450.0 7,641.0 6,802.0 6
Total Regulatory Capital 16,415.0 16,220.0 15,772.0 11,758.0 11,114.0 10
Tier 1 Regulatory Capital Ratio% 10.40 10.20 9.20 7.20 7.00
Total Regulatory Capital Ratio% 14.40 13.50 12.70 10.10 10.50
Risk Weighted Assets including floor/cap per Basel 114,019.0 119,800.0 123,891.0 103,663.0 95,091.0 94
II
Risk Weighted Assets - Credit Risk n.a. n.a. n.a. n.a. n.a.
Risk Weighted Assets - Market Risk n.a. n.a. n.a. n.a. n.a.
Risk Weighted Assets - Operational Market Risk n.a. n.a. n.a. n.a. n.a.
Risk Weighted Assets - Other n.a. n.a. n.a. n.a. n.a.
Risk-Weighted Assets excluding Floor/Cap per Basel n.a. n.a. n.a. n.a. n.a.
II
Capital Charge Credit Risk n.a. n.a. n.a. n.a. n.a.
Capital Charge Market Risk n.a. n.a. n.a. n.a. n.a.
Capital Charge Operational Market Risk n.a. n.a. n.a. n.a. n.a.
Net Open FX Positions n.a. n.a. n.a. n.a. n.a.
Value at Risk in Line with Basel II/CRD/Nat. Leg. n.a. n.a. n.a. n.a. n.a.
Standardised Interest Rate Shock n.a. n.a. n.a. n.a. n.a.
IRB Banks: Expected Loss n.a. n.a. n.a. n.a. n.a.
IRB Banks: Loan Loss Reserves n.a. n.a. n.a. n.a. n.a.
First Loss Pieces Retained from Securitisations n.a. n.a. n.a. n.a. n.a.
Equity Investments deducted from Regulatory n.a. n.a. n.a. n.a. n.a.
Capital
Total Securities 55,112.0 48,653.0 43,124.7 42,031.1 44,498.9 42
Pledged Securities n.a. n.a. n.a. n.a. n.a.
Unencumbered Securities 55,112.0 48,653.0 43,124.7 42,031.1 44,498.9 42
Reverse repurchase agreements included in loans n.a. n.a. n.a. n.a. n.a.
Reverse repurchase agreements included in loans n.a. n.a. n.a. n.a. n.a.
and advances to banks
Reverse repurchase agreements in assets - other n.a. n.a. n.a. n.a. n.a.
Cash collateral on securities borrowed n.a. n.a. n.a. n.a. n.a.
Repurchase agreements included in customer n.a. n.a. n.a. n.a. n.a.
deposits
Repurchase agreements included in deposits from n.a. n.a. n.a. n.a. n.a.
banks
Repurchase agreements included in liabilities - other n.a. n.a. n.a. n.a. n.a.
Cash collateral on securities lent n.a. n.a. n.a. n.a. n.a.

Average Reverse repurchase agreements included in n.a. n.a. n.a. n.a. n.a.
loans
Number of Employees 50,452 50,272 50,488 52,648 52,442

Number of Branches 2,907 3,147 3,205 3,159 2,098
Regulatory Tier I Capital Ratio% 10.40 10.20 9.20 7.20 7.00
Core Tier 1 Regulatory Capital Ratio% 9.40 9.20 n.a. n.a. n.a.
Regulatory Total Capital Ratio% 14.40 13.50 12.70 10.10 10.50
Leverage Ratio% n.a. n.a. n.a. n.a. n.a.
Assets under Management n.a. n.a. n.a. n.a. n.a.
Assets under Administration n.a. n.a. n.a. n.a. n.a.
Total Trust Assets n.a. n.a. n.a. n.a. n.a.
Deposits of Governments and Municipalities n.a. n.a. n.a. n.a. n.a.
Total Exposure to Central Bank n.a. n.a. 3,813.0 5,320.0 5,721.0 5
Government n.a. n.a. 5,560.0 4,973.0 4,912.0
Related Party Loans n.a. n.a. n.a. n.a. n.a.
Trust Account Loans n.a. n.a. n.a. n.a. n.a.
Lease financing n.a. n.a. n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008 31/12/2007
Assets Quality
Loan Loss Res / Gross Loans 5.22 4.61 3.84 3.00 2.89
Loan Loss Prov / Net Int Rev 40.76 37.67 39.49 21.90 11.59
Loan Loss Res / Impaired Loans 61.71 60.66 58.03 59.62 69.21
Impaired Loans / Gross Loans 8.45 7.60 6.61 5.03 4.18
NCO / Average Gross Loans n.a. n.a. 0.04 0.02 0.00
NCO / Net Inc Bef Ln Lss Prov n.a. n.a. 1.56 0.94 -0.22
Impaired Loans / Equity 68.23 58.89 52.95 57.19 41.77
Unreserved Impaired Loans / Equity 26.13 23.17 22.22 23.09 12.86
Capital
Tier 1 Ratio 10.40 10.20 9.20 7.20 7.00
Total Capital Ratio 14.40 13.50 12.70 10.10 10.50
Equity / Tot Assets 7.95 8.32 7.99 5.51 5.69
Equity / Net Loans 13.07 13.53 12.98 9.07 10.31
Equity / Cust & Short Term Funding 11.70 12.49 11.37 7.39 7.92
Equity / Liabilities 8.83 9.36 8.99 6.02 6.21
Cap Funds / Tot Assets 9.98 11.15 11.04 8.51 8.47
Cap Funds / Net Loans 16.41 18.14 17.94 14.00 15.36
Cap Funds / Dep & ST Funding 14.69 16.74 15.71 11.42 11.80
Cap Funds / Liabilities 11.09 12.55 12.41 9.30 9.26
Subord Debt / Cap Funds 14.47 20.28 22.31 27.95 25.55
Operations
Net Interest Margin 2.94 2.92 2.88 2.72 2.30
Net Int Rev / Avg Assets 2.67 2.65 2.58 2.43 2.05
Oth Op Inc / Avg Assets 0.63 0.97 0.95 0.89 1.27
Non Int Exp / Avg Assets 2.94 2.87 2.91 2.74 2.34
Pre-Tax Op Inc / Avg Assets 0.36 n.a. n.a. 0.58 n.a.
Non Op Items & Taxes / Avg Ast -0.63 -0.16 -0.14 -0.38 -0.19
Return On Avg Assets (ROAA) -0.27 0.58 0.48 0.52 0.81
Return On Avg Equity (ROAE) -3.33 7.14 7.18 9.23 13.90
Dividend Pay-Out n.a. 22.31 30.21 29.75 22.39
Inc Net Of Dist / Avg Equity n.a. 5.54 5.01 6.49 10.79
Non Op Items / Net Income 189.23 n.a. n.a. -55.76 n.a.
Cost To Income Ratio 56.13 51.84 53.44 66.62 63.08
Recurring Earning Power 1.45 1.74 1.65 1.11 1.23
Liquidity
Interbank Ratio 31.86 62.01 49.97 41.37 42.48
Net Loans / Tot Assets 60.82 61.48 61.56 60.76 55.19
Net Loans / Dep & ST Funding 89.53 92.30 87.57 81.58 76.81
Net Loans / Tot Dep & Bor 69.67 71.66 72.57 69.16 65.82
Liquid Assets / Dep & ST Funding 17.30 19.18 17.73 17.93 19.00
Liquid Assets / Tot Dep & Bor 13.46 14.89 14.70 15.20 16.29
Security & price information
All figures have been adjusted based on the Stock split/Dividend ratio.
General information
No of outstanding shares (29/10/2012): 394,568,647

Current market capitalisation (th EUR): 7,078,562
(based on stock price on 29/10/2012)
Security information
Type of share: Ordinary Shares

ISIN number: AT0000652011
SEDOL number: 5289837
Ticker symbol: EBS
Nominal value (EUR): n.a.
Stock exchange(s) listed: Wiener Boerse

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Munchen
Boerse Stuttgart
Bucharest Stock Exchange
London Stock Exchange
Prague Stock Exchange
US Exchange
XETRA
Stock index information: ATX (AUSTRIAN TRADE INDEX) - AUSTRIA
ATX PRIME - AUSTRIA
PX PRAGUE STOCK INDEX - CZECH REPUBLIC
IPO date: 2/14/2008
Market price - Year (EUR) 2012 2011 2010 2009 2008 2007 2006 2005
Market price - January 16.79 36.60 27.58 11.84 36.20 59.69 45.90 37.90
Market price - February 18.83 38.25 27.67 7.67 38.50 56.16 51.00 41.20
Market price - March 17.29 35.61 31.10 12.75 41.05 58.30 48.66 40.35
Market price - April 17.40 34.12 33.80 16.00 47.70 59.02 48.10 37.49
Market price - May 13.98 34.65 29.38 17.01 49.07 58.30 44.48 39.97
Market price - June 14.95 36.15 26.36 19.23 39.54 57.80 44.00 41.37
Market price - July 14.73 33.39 30.80 24.49 41.25 55.47 45.16 42.00
Market price - August 16.06 25.35 28.64 29.56 40.98 53.19 47.20 44.95
Market price - September 17.37 19.36 29.37 30.54 34.45 53.45 49.10 44.50
Market price - October n.a. 15.60 32.43 27.50 20.74 56.00 53.35 43.40
Market price - November n.a. 11.91 30.14 27.08 17.80 49.65 55.01 45.20
Market price - December n.a. 13.59 35.14 26.06 16.20 48.50 58.10 47.05
Current market price (EUR)
Date of current market price 10/29/2012

Market price - Current 17.94
Market price - Year to date - High 20.05
Market price - Year to date - Low 11.90
Price trends (%)

Price trends - Last week n.a.
Price trends - 4 weeks -1.64
Price trends - 13 weeks 22.17
Price trends - Quarter to date 3.31
Price trends - Previous quarter to date 16.19
Price trends - Year to date 27.69
BETA
Reference index 1: ATX PRIME

Ref. index 1 - Beta - 3 months 1.88
Ref. index 1 - Beta - 1 month 1.51
Ref. index 1 - Beta - 1 year 1.92
Ref. index 1 - Correlation coefficient - 3 months 0.86
Ref. index 1 - Correlation coefficient - 1 month 0.76
Ref. index 1 - Correlation coefficient - 1 year 0.85
Reference index 2: ATX (AUSTRIAN TRADE INDEX)

Reference index 3:
Ref. index 3 - Beta - 3 months n.a.
Ref. index 3 - Beta - 1 month n.a.
Ref. index 3 - Beta - 1 year n.a.
Ref. index 3 - Correlation coefficient - 3 months n.a.
Ref. index 3 - Correlation coefficient - 1 month n.a.
Ref. index 3 - Correlation coefficient - 1 year n.a.
Reference index 4:
Reference index 5:
Equity price volatility
Equity price volatility - 360 days 0.56

Mergers & acquisitions
Date News
1 05/10/2012 Erste Group to sell Erste Bank (deal no. 1601409468)
2 02/10/2012 Erste Bank der Österreichischen Sparkassen sells stake in Erste
Group Bank (deal no. 1601411400)
3 05/06/2012 Erste Group Bank is to increase its stake in BCR (deal no.
1601375726)
4 05/06/2012 Erste Group Bank increases stake in BCR (deal no. 1601375720)
5 10/04/2012 SIF Muntenia sold a stake in Banca Comerciala Romana (deal

no. 1601309782)
6 22/08/2011 Interchem seeks acquisitions in Poland following capital boost
(deal no. 1601229237)
7 04/08/2011 Erste Group Bank made an agreement to acquire remaining
stake in Banca Comerciala Romana (deal no. 1601294599)
8 10/06/2011 United Power Technology lists on Frankfurt Stock Exchange
(deal no. 1601277693)
9 19/04/2011 Nomos Bank has completed IPO (deal no. 1601255413)
10 23/03/2011 Provimi Group sells Hungary pet food business to Advent
International (deal no. 1601257029)
11 16/03/2011 Nomos ‘prepares for IPO’ (deal no. 1601255413)
12 01/03/2011 Erste Bank interested in acquisitions in Poland (deal no.
1601251231)
13 17/01/2011 Four pension funds acquire shares of INA (deal no.
1601240702)
14 31/12/2010 Erste Bank changes hands (deal no. 1601236463)
15 05/10/2010 Eetek Holding's IPO postponed (deal no. 1601216409)
16 28/09/2010 Innova picks up majority stake in Marmite International (deal
no. 1601221739)
17 22/06/2010 Semper Constantia Privatbank sold to consortium led by Mr
Erhard Grossnigg and Petrus Advisers (deal no. 1601036517)
18 28/05/2010 Erste Group receives approval for ASK takeover (deal no.
1601192944)
19 25/05/2010 Kulczyk Oil Ventures completes IPO (deal no. 1601039338)
20 27/04/2010 Erste Group Bank sells majority stake in VMG-Erste Bank
Versicherungsmakler to GrECo Internationa (deal no.
1601182034)
21 16/04/2010 KOV seeks money in Warsaw (deal no. 1601039338)

22 16/11/2009 Erste Group Bank completes capital increase (deal no.
1601119208)
23 02/10/2009 Erste ‘may call for cash’ (deal no. 1601119208)
24 23/08/2009 Criteria CaixaCorp increases stake in Erste Group (deal no.
1601084579)
25 23/08/2009 Criteria CaixaCorp may increase Criteria stake (deal no.
1601107093)
26 30/07/2009 Erste has decreased its stake in Swedbank (deal no.
1601100136)
27 27/07/2009 Donbass Fuel-Energy Company increases its stake in
Zakhidenerho (deal no. 1601002589)
28 22/06/2009 Erste Group Bank issues new shares for employee option
conversions (deal no. 1601089471)
29 04/06/2009 Criteria increases Erste Group stake (deal no. 1601076157)
30 04/06/2009 Erste Group plans listing for Banca Comerciala Romana (deal no.
1601213269)
31 20/04/2009 Erste Group Bank seeks approval for convertible bond issue
(deal no. 1601071293)
32 11/03/2009 Erste Bank has acquired a stake in Swedbank (deal no.
1601059738)
33 03/03/2009 Criteria confident on central Europe, may up Erste stake (deal
no. 1601056336)
34 02/03/2009 Criteria CaixaCorp in talks to increase stake in Erste Group Bank
(deal no. 1601056336)
35 26/01/2009 AvW rejects compulsory sale of shares in C-Quadrat Investment
(deal no. 1601045936)
36 20/01/2009 Vienna Insurance Group sells majority stake in Ringturm to
Erste Group (deal no. 1601044569)
37 31/12/2008 Criteria CaixaCorp acquires stake in Erste Group Bank (deal no.
1601056332)
38 17/10/2008 Constantia Privatbank sold to five Austrian banks (deal no.
310732)
39 16/09/2008 Erste Bank sells S Versicherung and its CEE insurance
subsidiaries to Vienna Insurance Group (deal no. 628532)
40 11/08/2008 Erste Bank spins off Austrian business (deal no. 1601044559)
41 04/07/2008 Erste Bank has taken minority stake in Kommercheskii Bank
Tsentr-Invest (deal no. 655836)
42 16/06/2008 Wiener Borse hungry for BSE (deal no. 650140)
43 13/06/2008 Wiener Börse plans to increase its stake in the Budapest Stock
Exchange (deal no. 650140)
44 03/06/2008 UBS Global Asset Management to acquire stake in
Saubermacher Dienstleistungs (deal no. 646892)
45 09/05/2008 New World Resources completes IPO (deal no. 572462)
46 07/05/2008 SIF Muntenia sells Erste Bank shares (deal no. 641160)
47 28/04/2008 Erste & Steiermarkische Bank is to increase its capital (deal no.
637309)
48 28/04/2008 Stake in Erste & Steiermarkische Bank may be sold (deal no.
637321)
49 07/02/2008 SIF Transilvania acquires shares in Erste Bank (deal no.
616886)
50 30/01/2008 Saubermacher cancels IPO (deal no. 585674)
Source : Zephyr
Current Directors / Managers / Contacts
Boards & committees

= also shareholder
Name Original job title Body Source
1. Mr. Heinz Arthur Ad Kessler - President of the Supervisory SupB VI
P038940261 Board
- Chairman, Audit Committee AudC VI
- Chairman, Strategy Committee; OthBC VI
Member, Construction
Committee; Chairman,
Committee for Management
Board Matters; Member, Risk
Management Committee
2. Mrs. Theresa Jordis - 2nd Vice Chairwoman, SupB VI

P000186092 Supervisory Board; Member of
the Supervisory Board
- Member, Audit Committee AudC VI
- Member, Risk Management OthBC VI
Committee; Member, Strategy
Committee; Member, Committee
for Management Board Matters
3. Mr. Georg Winckler - First Vice Chairman of the SupB VI

P039719209 Supervisory Board
- Member, Committee for OthBC VI
Management Board Matters;
Member, Risk Management
Committee
4. Mag. Bettina Breiteneder - Member, Supervisory Board SupB VI

P000191929 (since 04/05/2004)
(Substitute)
Committee; Chair, Construction
Committee
5. Dkfm. Elisabeth Gürtler- - Member, Supervisory Board SupB VI
Mauthner (since 26/05/1998)
P000030787 - Member, Risk Management OthBC VI
Committee (Substitute)
6. Markus Haag - Supervisory Board Member SupB VI
P101171252 (Delegate by the employees
council) (since 17/09/2010)
7. Christian Havelka - Supervisory Board Member SupB VI
- Member, Strategy Committee; OthBC VI
Member, Risk Management
Committee (Substitute)
8. Mr. Jan Meindert Homan - Member, Supervisory Board SupB VI
P039738406 (since 04/05/2004)
Committee (Substitute);
Member, Strategy Committee
9. Andreas Lachs - Supervisory Board Member SupB VI
(Substitute)
Committee
10. Mr. Friedrich Lackner - Supervisory Board Member SupB VI
- Member, Strategy Committee; OthBC VI
Member, Construction
Committee
11. Mr. Juan María Nin Génova - Supervisory Board Member SupB VI
P002179779 (since 12/05/2009)
- Member, Strategy Committee OthBC VI
12. Mr. Brian Deveraux O´Neill - Member, Supervisory Board SupB VI
P039738409 (since 31/05/2007)
13. Mr. Wilhelm G Rasinger - Member of the Supervisory SupB VI
P000184939 Board (since 11/05/2005)
- Member, Strategy Committee OthBC VI
(Substitute); Member, Risk
14. Mr. Friedrich Rödler - Member, Supervisory Board SupB VI
P129981503 (since 04/05/2004)
- Member, Construction OthBC VI
Committee; Chairman, Risk
Management Committee;
Member, Strategy Committee
15. Barbara Smrcka - Supervisory Board Member SupB VI
P039738411 (since 09/08/2008)
- Member, Construction OthBC VI
Committee
16. Mr. John James Stack - Member, Supervisory Board SupB VI
P068550183 (since 31/05/2007)
17. Dipl.-Kfm. Dr. Werner Tessmar- - Member, Supervisory Board SupB VI
Pfohl (since 06/05/2008)
P000017797 - Member, Construction OthBC VI
Committee
18. Karin Zeisel - Supervisory Board Member SupB VI
P039738412 (since 09/08/2008)
Committee
19. Mag. Andreas Treichl - Chairman of the Management ExeB VI
P039738087 Board (from 07/1997
to 30/06/2012)
20. Dr. Franz Hochstrasser - Deputy Chairman, Management ExeB VI
P038926510 Board (from 09/2008
to 30/06/2012)
21. Mr. Herbert Juranek - Member, Management Board ExeB VI
P039738402 (from 01/07/2007
to 30/06/2012)
22. Mag. Gernot Mittendorfer - Member of the Management ExeB VI
P039824946 Board (from 01/01/2011
to 30/06/2012)
23. Mr. Martin Škopek - Member of the Management ExeB VI
P059073705 Board (from 01/07/2010
to 30/06/2012)
24. Mag. Bernhard Spalt - Member, Management Board ExeB VI
P039738401 (from 01/11/2006
to 30/06/2012)
25. Dr. Manfred Wimmer - Member, Management Board ExeB VI
P096166499 (from 01/09/2008
to 30/06/2012)
Management & staff

= also shareholder
Name Original job title Dept Source
1. Dr. Manfred Wimmer - Chief Financial Officer FinAcc VI
P096166499 (since 09/2008)
- Chief Performance Officer OthDep VI
(since 09/2008)
2. Mag. Gernot Mittendorfer - Head of the Division Group Oper VI
P039824946 Corporate & Investment Banking
3. Mr. Martin Škopek - Head of the Division Group Oper VI

P059073705 Retail Banking
4. Mag. Bernhard Spalt - Chief Risk Officer OthDep VI
P039738401 (since 11/2006)
IFRS IFRS IFRS
Unqualified Unqualified Unqualified
Original Original Restated
31/12/2006 31/12/2005 31/12/2004
12 months 12 months 12 months
mil EUR mil EUR mil EUR
93,973.9 77,602.3 70,038.9

97,106.7 80,419.0 72,843.0
3,132.8 2,816.7 2,804.1
67,930.3 65,042.0 58,725.7
16,616.3 16,858.0 15,684.7
1,581.3 1,985.0 1,779.0
41,392.5 38,095.0 33,842.0
8,340.2 8,104.0 7,420.0
161,904.2 142,644.3 128,764.6
2,164.5 1,688.1 1,722.6
17,634.5 8,327.9 9,324.7
181,703.2 152,660.3 139,811.9
132,227.2 110,898.4 99,629.9

90,849.4 72,792.9 68,212.5
37,687.8 33,911.5 28,551.4
3,690.0 4,194.0 2,866.0
24,878.6 22,691.0 21,883.3
1,545.1 1,304.0 288.0
n.a. n.a. 1,046.0
23,333.5 21,387.0 20,549.3
11,913.0 3,974.7 4,845.4
n.a. n.a. n.a.
1,780.2 8,635.0 7,500.0
10,904.2 6,461.2 5,953.3
181,703.2 152,660.3 139,811.9
4,363.0 3,833.0 3,879.0

3,132.8 2,816.7 2,804.1
33,377.4 23,557.0 21,821.6
6,092.2 1,910.9 1,823.4
35,367.0 28,310.0 26,144.0
1,250.0 900.0 711.0

2,154.0 1,615.0 1,194.3
31/12/2006 31/12/2005 31/12/2004
3,070.0 2,676.7 2,591.5
2,150.1 1,845.3 1,691.6
277.9 241.7 216.5
-4.5 11.4 128.1
1,445.9 1,256.8 1,135.3

430.8 335.4 211.7
3,258.8 2,878.7 2,902.3
439.1 421.6 406.2
n.a. n.a. 22.0
1,522.2 1,221.7 996.6
339.8 301.7 277.9
1,182.4 920.0 718.7
5,180.5 4,486.3 4,283.1
183.0 133.8 120.0
10.30 11.00 10.70

6.60 6.80 6.70
10,111.0 8,611.0 7,286.0
6,185.0 5,112.0 4,377.0
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2006 31/12/2005 31/12/2004
6,998.7 5,691.6 5,163.3

0.0 0.0 0.0
n.a. n.a. n.a.
6,998.7 5,691.6 5,163.3
2,851.5 2,042.1 n.a.

1,077.2 972.8 2,571.8
3,928.7 3,014.9 2,571.8
3,070.0 2,676.7 2,591.5
277.9 241.7 216.5

106.2 45.7 -9.6
-4.5 11.4 128.1
35.8 36.7 36.8

1,445.9 1,256.8 1,135.3
249.2 217.3 184.5
2,110.5 1,809.6 1,691.6
1,750.5 1,576.5 1,482.4
1,508.3 1,302.2 1,419.9
3,258.8 2,878.7 2,902.3
39.6 35.7 n.a.

1,961.3 1,643.3 1,380.8
439.1 421.6 406.2
n.a. n.a. n.a.
1,522.2 1,221.7 974.6
n.a. n.a. 14.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 8.0
1,522.2 1,221.7 996.6
339.8 301.7 277.9
n.a. n.a. n.a.
1,182.4 920.0 718.7
-445.0 -23.0 429.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
737.4 897.0 1,147.7
250.2 203.2 197.9
932.2 716.8 520.8
183.0 133.8 120.0

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
36,429.0 29,200.0 24,829.0
54,281.0 45,126.0 41,346.0
6,396.7 6,093.0 6,668.0
3,132.8 2,816.7 2,804.1
93,973.9 77,602.3 70,038.9
97,106.7 80,419.0 72,843.0
4,363.0 3,833.0 3,879.0
n.a. n.a. n.a.
16,616.3 16,858.0 15,684.7

n.a. n.a. n.a.
9,383.2 3,971.0 3,414.0
1,581.3 1,985.0 1,779.0
14,631.0 18,644.0 15,967.0
16,699.7 15,122.0 14,175.0
678.6 358.0 286.0
n.a. n.a. n.a.
42,973.8 40,080.0 35,621.0
n.a. n.a. n.a.
n.a. n.a. n.a.
1,011.0 877.0 1,118.0
7,329.2 n.a. n.a.
0.0 7,227.0 6,302.0
161,904.2 142,644.3 128,764.6
7,377.9 2,728.0 2,722.9

n.a. n.a. n.a.
n.a. n.a. n.a.
2,164.5 1,688.1 1,722.6
4,429.2 1,530.2 1,439.5
1,663.0 380.7 383.9
0.0 n.a. n.a.
317.4 244.0 300.0
n.a. n.a. n.a.
3,847.0 3,445.0 4,478.4
181,703.2 152,660.3 139,811.9
48,342.4 33,969.9 30,253.5

42,507.0 38,823.0 37,959.0
n.a. n.a. n.a.
90,849.4 72,792.9 68,212.5
37,687.8 33,911.5 28,551.4
n.a. n.a. n.a.
3,690.0 4,194.0 2,866.0
132,227.2 110,898.4 99,629.9
19,929.5 18,872.0 18,644.0

2,154.0 1,615.0 1,194.3
n.a. n.a. n.a.
22,083.5 20,487.0 19,838.3
1,545.1 1,304.0 288.0
n.a. n.a. 1,046.0
155,855.8 132,689.4 120,802.2
n.a. n.a. n.a.

n.a. n.a. n.a.
1,780.2 8,635.0 7,500.0
50.0 n.a. n.a.
240.6 n.a. n.a.
250.0 205.0 n.a.
n.a. n.a. n.a.
7,920.1 n.a. n.a.
3,452.3 3,769.7 4,845.4
169,549.0 145,299.1 133,147.6
1,250.0 900.0 711.0
n.a. n.a. n.a.
8,049.2 3,715.5 2,940.9

2,925.0 2,331.7 2,529.4
-39.0 406.0 429.0
n.a. n.a. n.a.
-31.0 8.0 54.0
10,904.2 6,461.2 5,953.3

181,703.2 152,660.3 139,811.9
n.a. n.a. n.a.
n.a. n.a. n.a.
8.07 7.46 7.33
3.59 2.90 n.a.
4.63 4.15 4.11

2.82 2.37 2.17
2.03 1.95 2.06

1.74 1.64 1.74
2.03 1.95 2.06
40.74 40.34 39.49

62.91 64.17 67.76
2.00 1.94 2.12
21.76 25.76 24.19
1.20 1.11 1.01
22.39 25.66 29.42
16.89 19.15 17.07

0.93 0.82 0.71
22.32 24.70 27.88
2.08 2.19 2.11
1.62 1.63 1.49
13.12 14.42 12.59

0.72 0.62 0.53
8.18 14.06 20.10
0.45 0.60 0.84
n.a. n.a. n.a.
1.26 1.23 1.10

0.78 1.19 1.76
n.a. n.a. n.a.

n.a. n.a. n.a.
2.70 2.86 2.78
6.60 6.80 6.70
10.30 11.00 10.70
n.a. n.a. n.a.
6.00 4.23 4.26
15.48 14.54 16.70
24.82 14.92 10.46
n.a. n.a. n.a.

9.17 12.17 10.06
19.02 9.19 8.74

20.75 10.40 7.49
4.49 4.77 5.33
3.23 3.50 3.85
71.80 73.49 72.29
11.28 15.73 18.06
0.51 0.55 0.58

n.a. n.a. n.a.
4.49 4.77 5.33
106.89 110.48 106.79
44.09 49.71 54.93
58.87 55.40 56.60
n.a. n.a. n.a.
n.a. n.a. n.a.
14,661.0 10,130.0 8,335.0

n.a. n.a. n.a.
19,217.0 16,576.0 16,655.0

1,489.0 1,604.0 1,154.0
217,070.2 180,970.3 165,955.9
94,129.0 75,078.0 65,384.0
n.a. n.a. n.a.
94,129.0 75,078.0 65,384.0
86,707.9 76,268.5 70,458.8

151,314.5 137,301.0 125,779.6
163,195.3 148,333.6 136,858.0
n.a. n.a. n.a.
139,416.0 127,448.7 118,629.1
6,519.3 3,268.9 2,956.3
9,011.3 6,378.9 5,708.6
79,457.9 70,450.1 67,234.9
18,250.0 15,207.0 n.a.

12,103.0 9,686.0 n.a.
23,207.2 21,509.0 n.a.
40,413.7 34,017.0 n.a.
2,420.0 3,160.0 n.a.

3,519.0 3,740.0 n.a.
31,876.0 32,292.0 n.a.
n.a. n.a. n.a.
12,770.0 11,897.0 12,626.0

2,123.0 2,372.0 1,517.0
1,489.0 1,853.0 1,054.0
234.0 736.0 487.7
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
54,916.4 40,650.0 n.a.

12,437.0 9,452.0 n.a.
23,496.0 22,690.9 n.a.
n.a. n.a. n.a.
30,219.0 n.a. n.a.

2,198.0 n.a. n.a.
5,271.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

5,942.0 7,011.0 n.a.
15,872.0 14,280.0 n.a.
n.a. n.a. n.a.
21,814.0 21,291.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,154.0 1,615.0 1,194.3
n.a. n.a. n.a.
1,182.4 920.0 718.7

n.a. n.a. n.a.
n.a. n.a. n.a.
10,904.2 6,461.2 5,953.3

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
10,904.2 6,461.2 5,953.3
n.a. n.a. n.a.
n.a. n.a. n.a.

4,429.2 1,530.2 1,439.5
1,663.0 380.7 383.9
65.4 244.0 300.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

1,250.0 900.0 711.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
6,998.7 5,691.6 5,163.3
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
2,851.5 2,042.1 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,693.0 3,194.0 2,852.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,008.0 777.0 562.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
4,701.0 3,971.0 3,414.0
11,371.0 11,004.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,260.0 3,270.0 n.a.
n.a. 4,370.0 15,967.0
14,631.0 18,644.0 15,967.0
16,699.7 15,122.0 14,175.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
16,699.7 15,122.0 14,175.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
4,268.0 8,417.0 16,529.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

3,133.0 2,817.0 2,804.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
5,144.0 1,950.0 1,912.0
n.a. n.a. n.a.

2,905.2 1,765.5 1,028.9
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
2,925.0 2,331.7 2,529.4
7,979.2 4,129.5 3,423.9
8,049.2 3,715.5 2,940.9
-39.0 406.0 429.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
-39.0 406.0 429.0
-31.0 8.0 54.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
-70.0 414.0 483.0
n.a. n.a. n.a.
-70.0 414.0 483.0
n.a. n.a. n.a.
10,904.2 6,461.2 5,953.3
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

183.0 133.8 120.0
183.0 133.8 120.0
n.a. n.a. n.a.
65.4 244.0 300.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,250.0 900.0 711.0
1,250.0 900.0 711.0
1,250.0 900.0 711.0

6,185.0 5,112.0 4,377.0
10,111.0 8,611.0 7,286.0
6.60 6.80 6.70
10.30 11.00 10.70
94,129.0 75,078.0 65,384.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
42,973.8 40,080.0 35,621.0

n.a. n.a. n.a.
42,973.8 40,080.0 35,621.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
50,164 36,643 35,862

n.a. n.a. n.a.
6.60 6.80 6.70
n.a. n.a. n.a.
10.30 11.00 10.70
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
5,759.0 1,498.0 1,440.9
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2006 31/12/2005 31/12/2004
3.23 3.50 3.85

14.30 15.75 15.67
71.80 73.49 72.29
4.49 4.77 5.33
n.a. n.a. n.a.
n.a. n.a. n.a.
40.01 59.32 65.16
11.28 15.73 18.06
6.60 6.80 6.70

10.30 11.00 10.70
6.00 4.23 4.26
11.60 8.33 8.50
8.25 5.83 5.98
6.51 4.50 4.51
7.87 5.88 5.62
15.23 11.57 11.22
10.82 8.09 7.89
8.55 6.25 5.96
15.05 17.99 15.20
2.02 1.97 2.11

1.84 1.83 1.93
1.29 1.26 1.26
2.21 2.26 2.47
n.a. n.a. 0.73
-0.20 -0.21 -0.19
0.71 0.63 0.54
13.62 14.82 13.04
15.48 14.54 16.70
11.51 12.67 10.86
n.a. n.a. 3.06
62.43 63.66 67.76
1.17 1.12 1.03
44.09 49.71 54.94

51.72 50.83 50.10
71.07 69.98 70.30
61.14 59.21 58.56
25.24 21.24 21.90
21.72 17.97 18.24
Raiffeisen Bank International AG

The GUO of this controlled subsidiary is RAIFFEISEN LANDESBANKEN HOLDING GMBH
Contact details
AM STADTPARK 9 Phone number 43 (1) 7170 71070

Fax number 43 (1) 7170 73486
1030 VIENNA Web Site Address www.ri.co.at
AUSTRIA
Formerly known as Raiffeisen International Bank-Holding AG

Bank History :
In October 2010, Raiffeisen International Bank-Holding AG absorbed Cembra Betelingung which obtained the relevant
business of Raiffeisen Zentralbank Oesterreich AG - RZBand its name changed to Raiffeisen Bank International AG.

Accounting Standards International Financial Nickname RIBIFRS
Name of the Auditor KPMG Austria GmbH Model ALLBANKS
available
Latest total assets 146,985 mil EUR Ranking (Country), 2011 2

Latest net income 974 mil EUR Ranking (Country), rolling 2
(29/10/2012) World rank, 2011 138
No of recorded 19 World rank, rolling 141
shareholders
No of recorded 141
subsidiaries
Specialisation Commercial Banks
Peer Group
Peer Group Name Commercial Banks Europe (Excl. Eastern Europe)
Size 1,150
information.
information.
Global summary
Consolidated statements IFRS IFRS IFRS IFRS

Unqualified Unqualified Unqualified Unqualified
Original Original Original Original
31/12/2011 31/12/2010 31/12/2009 31/12/2008
12 months 12 months 12 months 12 months
mil EUR mil EUR mil EUR mil EUR
BALANCE SHEET
Assets
Loans 76,750.7 71,156.2 47,431.0 56,261.0
Gross Loans 81,576.2 75,657.1 50,515.0 57,902.3
Less: Reserves for Impaired Loans/ NPLs 4,825.5 4,500.9 3,084.0 1,641.3
Other Earning Assets 54,202.8 50,582.4 21,628.3 18,805.3
Loans and Advances to Banks 25,520.3 21,277.4 10,310.1 9,038.1
Derivatives 8,697.6 5,112.6 879.2 2,360.1
Other Securities 19,863.9 24,079.7 10,439.0 7,407.1
Remaining earning assets 121.0 112.7 0.0 0.0
Total Earning Assets 130,953.5 121,738.6 69,059.3 75,066.3
Fixed Assets 1,390.5 1,340.9 1,244.2 1,263.8
Non-Earning Assets 14,641.0 8,093.6 5,971.8 9,066.9
Total Assets 146,985.0 131,173.1 76,275.3 85,397.0

Deposits & Short term funding 104,739.0 91,292.4 62,688.4 70,419.1
Total Customer Deposits 66,747.2 57,633.2 42,578.3 44,206.0
Deposits from Banks 11,068.2 12,491.1 16,965.0 20,252.7
Other Deposits and Short-term Borrowings 26,923.6 21,168.1 3,145.1 5,960.4
Other interest bearing liabilities 29,024.3 27,561.5 5,770.6 7,369.9
Derivatives 9,197.7 5,794.4 773.6 2,292.0
Trading Liabilities 1,309.0 1,210.7 n.a. n.a.
Long term funding 18,517.6 20,556.4 4,997.0 5,077.9
Other (Non-Interest bearing) 1,514.9 1,243.4 504.7 653.0
Loan Loss Reserves n.a. n.a. n.a. n.a.
Other Reserves 771.0 671.9 311.5 436.8
Equity 10,935.8 10,403.9 7,000.1 6,518.2
Total Liabilities & Equity 146,985.0 131,173.1 76,275.3 85,397.0
Notes
Impaired Loans (Memo) 7,370.6 6,389.5 4,905.9 1,780.0
Loan Loss Reserves (Memo) 4,825.5 4,500.9 3,084.0 1,641.3
Liquid Assets (Memo) 40,245.9 30,528.1 17,652.8 18,436.0
Intangibles (Memo) 1,065.6 1,219.8 971.9 951.9
Off Balance Sheet Items 28,128.4 23,848.0 10,062.8 11,395.3
Hybrid Capital (Memo) 819.1 819.1 1,169.0 n.a.

Subordinated Debts (Memo) 3,331.7 3,182.0 1,301.3 1,684.5
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Interest Revenue 3,667.2 3,578.2 2,936.5 3,232.0
Other Operating Income 1,892.7 1,878.2 1,459.1 1,626.3
Net Gains (Losses) on Trading and Derivatives 776.1 243.9 194.5 147.7
Net Gains (Losses) on Assets at FV through Income -141.1 137.2 41.4 -25.6
Statement
Net Fees and Commissions 1,489.9 1,490.8 1,223.1 1,496.3
Remaining Operating Income -232.2 6.3 0.1 7.9
Overheads 3,120.4 2,979.7 2,290.1 2,648.8
Loan Loss Provisions 1,063.6 1,194.1 1,737.9 780.3
Other n.a. n.a. n.a. n.a.
Profit before Tax 1,375.9 1,282.6 367.6 1,429.2
Tax 399.2 110.2 80.5 350.9
Net Income 974.1 1,177.2 287.1 1,078.3
Operating Income (Memo) 5,559.9 5,456.4 4,395.6 4,858.3
Dividend Paid 462.8 30.1 142.9 142.8
Total Capital Ratio 13.50 13.30 13.00 9.70

Tier 1 Ratio 9.90 9.70 11.00 8.10
Total Capital 12,857.8 12,607.6 8,328.5 6,991.5
Tier 1 Capital 9,415.4 9,191.2 7,072.0 5,860.2
Net-Charge Offs n.a. 310.2 n.a. n.a.

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 4,743.9 4,571.9 4,498.8 5,761.9

Other Interest Income 1,870.7 1,793.1 1,092.7 422.0
Dividend Income n.a. n.a. n.a. n.a.
Gross Interest and Dividend Income 6,614.6 6,365.0 5,591.5 6,183.9
Interest Expense on Customer Deposits 1,410.7 1,251.0 1,593.8 2,697.6

Other Interest Expense 1,536.7 1,535.8 1,061.2 254.3
Total Interest Expense 2,947.4 2,786.8 2,655.0 2,951.9
Net Interest Income 3,667.2 3,578.2 2,936.5 3,232.0
Net Gains (Losses) on Other Securities n.a. n.a. 0.0 0.0
Statement
Net Insurance Income n.a. n.a. n.a. n.a.
Other Operating Income -232.2 6.3 0.1 7.9
Total Non-Interest Operating Income 1,892.7 1,878.2 1,459.1 1,626.3
Personnel Expenses 1,539.6 1,452.9 1,054.2 1,275.9
Other Operating Expenses 1,580.8 1,526.8 1,235.9 1,372.9
Total Non-Interest Expenses 3,120.4 2,979.7 2,290.1 2,648.8
Equity-accounted Profit/ Loss - Operating n.a. n.a. n.a. n.a.

Pre-Impairment Operating Profit 2,439.5 2,476.7 2,105.5 2,209.5
Loan Impairment Charge 1,063.6 1,194.1 1,737.9 780.3
Securities and Other Credit Impairment Charges n.a. n.a. n.a. n.a.
Operating Profit 1,375.9 1,282.6 367.6 1,429.2
Equity-accounted Profit/ Loss - Non-operating n.a. n.a. n.a. n.a.

Non-recurring Income n.a. n.a. n.a. n.a.
Non-recurring Expense n.a. n.a. n.a. n.a.
Change in Fair Value of Own Debt n.a. n.a. n.a. n.a.
Other Non-operating Income and Expenses n.a. n.a. n.a. n.a.
Pre-tax Profit 1,375.9 1,282.6 367.6 1,429.2
Tax expense 399.2 110.2 80.5 350.9
Profit/Loss from Discontinued Operations -2.6 4.8 n.a. n.a.
Net Income 974.1 1,177.2 287.1 1,078.3
Change in Value of AFS Investments 150.8 10.1 8.7 n.a.

Revaluation of Fixed Assets n.a. n.a. n.a. n.a.
Currency Translation Differences -349.6 180.4 -248.9 n.a.
Remaining OCI Gains/(losses) 36.0 27.2 0.0 n.a.
Fitch Comprehensive Income 811.3 1,394.9 46.9 1,078.3
Memo: Profit Allocation to Non-controlling Interests 6.4 n.a. 74.9 96.3
Memo: Net Income after Allocation to Non- 967.7 1,177.2 212.2 982.0
Memo: Common Dividends Relating to the Period 462.8 30.1 142.9 142.8
Memo: Preferred Dividends Related to the Period n.a. n.a. n.a. n.a.
Balance Sheet
Assets
Loans
Residential Mortgage Loans 17,944.3 16,887.9 17,874.8 17,249.1
Other Mortgage Loans n.a. n.a. n.a. n.a.
Other Consumer/ Retail Loans n.a. n.a. n.a. n.a.
Corporate & Commercial Loans n.a. n.a. n.a. n.a.
Other Loans 63,631.9 58,769.2 32,640.2 40,653.2
Net Loans 76,750.7 71,156.2 47,431.0 56,261.0
Gross Loans 81,576.2 75,657.1 50,515.0 57,902.3
Memo: Impaired Loans included above 7,370.6 6,389.5 4,905.9 1,780.0
Memo: Loans at Fair Value included above n.a. n.a. n.a. n.a.
Reverse Repos and Cash Collateral n.a. n.a. n.a. n.a.
Trading Securities and at FV through Income 3,323.9 4,443.8 3,163.1 2,268.0
Derivatives 8,697.6 5,112.6 879.2 2,360.1
Available for Sale Securities 16,535.0 19,630.9 7,270.5 5,136.6
Held to Maturity Securities n.a. n.a. n.a. n.a.
At-equity Investments in Associates 5.0 5.0 5.4 2.5
Other Securities n.a. n.a. n.a. n.a.
Total Securities 28,561.5 29,192.3 11,318.2 9,767.2
Memo: Government Securities included Above 12,851.9 18,130.7 8,171.4 4,645.1
Memo: Total Securities Pledged n.a. n.a. n.a. n.a.
Investments in Property 121.0 112.7 n.a. n.a.
Insurance Assets n.a. n.a. n.a. n.a.
Other Earning Assets 0.0 0.0 0.0 0.0
Non-earning Assets
Cash and Due From Banks 11,401.7 4,806.9 4,179.6 7,129.9
Memo: Mandatory Reserves included above n.a. n.a. n.a. n.a.
Foreclosed Real Estate n.a. n.a. n.a. n.a.
Fixed Assets 1,390.5 1,340.9 1,244.2 1,263.8
Goodwill 408.5 613.7 581.4 610.2
Other Intangibles 657.1 606.1 390.5 341.7
Current Tax Assets 59.6 31.5 109.4 66.3
Deferred Tax Assets 358.0 462.7 120.1 89.8
Discontinued Operations 26.6 5.3 n.a. n.a.
Other Assets 1,729.5 1,567.4 590.8 829.0
Total Assets 146,985.0 131,173.1 76,275.3 85,397.0
Customer Deposits - Current 27,472.1 23,781.0 17,140.4 16,242.7
Customer Deposits - Savings 1,280.9 1,469.8 1,393.1 952.0
Customer Deposits - Term 37,994.2 32,382.4 24,044.8 27,011.3
Repos and Cash Collateral n.a. n.a. n.a. n.a.
Total Deposits, Money Market and Short-term 104,739.0 91,292.4 62,688.4 70,419.1
Funding
Senior Debt Maturing after 1 Year 14,366.8 9,959.5 2,526.7 3,393.4
Subordinated Borrowing 3,331.7 3,182.0 1,301.3 1,684.5
Other Funding n.a. 6,595.8 n.a. n.a.
Total Long Term Funding 17,698.5 19,737.3 3,828.0 5,077.9
Derivatives 9,197.7 5,794.4 773.6 2,292.0
Total Funding 132,944.2 118,034.8 67,290.0 77,789.0
Fair Value Portion of Debt n.a. n.a. n.a. n.a.
Credit impairment reserves n.a. n.a. n.a. n.a.
Reserves for Pensions and Other 771.0 671.9 311.5 436.8
Current Tax Liabilities n.a. n.a. n.a. n.a.
Deferred Tax Liabilities n.a. n.a. n.a. n.a.
Other Deferred Liabilities 187.6 189.7 111.5 174.6
Discontinued Operations n.a. n.a. n.a. n.a.
Insurance Liabilities n.a. n.a. n.a. n.a.
Other Liabilities 1,327.3 1,053.7 393.2 478.4
Total Liabilities 135,230.1 119,950.1 68,106.2 78,878.8
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 819.1 819.1 1,169.0 n.a.
Debt
Pref. Shares and Hybrid Capital accounted for as 2,500.0 2,500.0 600.0 n.a.
Equity
Equity
Common Equity 7,292.9 6,628.1 5,402.6 5,595.2
Non-controlling Interest 1,142.9 1,065.7 997.5 923.0
Securities Revaluation Reserves n.a. 10.1 n.a. n.a.
Foreign Exchange Revaluation Reserves n.a. 180.4 n.a. n.a.
Fixed Asset Revaluations and Other Accumulated n.a. 19.6 n.a. 0.0
OCI
Total Equity 8,435.8 7,903.9 6,400.1 6,518.2
Total Liabilities and Equity 146,985.0 131,173.1 76,275.3 85,397.0
Memo: Fitch Core Capital 7,012.2 6,414.3 5,349.1 n.a.
Memo: Fitch Eligible Capital 9,512.2 8,914.3 5,949.1 n.a.
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans% 6.00 8.12 8.35 10.58
Interest Expense on Customer Deposits/ Average 2.22 2.73 3.75 6.31
Customer Deposits%
Interest Income/ Average Earning Assets% 5.11 7.92 7.90 8.61
Interest Expense/ Average Interest-bearing 2.32 3.58 3.71 4.12
Liabilities%
Net Interest Income/ Average Earning Assets% 2.83 4.45 4.15 4.50
Net Int. Inc Less Loan Impairment Charges/ Av. 2.01 2.97 1.69 3.42
Earning Assets%
Net Interest Inc Less Preferred Stock Dividend/ 2.83 4.45 4.15 4.50
Non-Interest Income/ Gross Revenues% 34.04 34.42 33.19 33.47
Non-Interest Expense/ Gross Revenues% 56.12 54.61 52.10 54.52
Non-Interest Expense/ Average Assets% 2.22 3.40 2.88 3.33
Pre-impairment Op. Profit/ Average Equity% 30.24 33.93 32.68 32.51
Pre-impairment Op. Profit/ Average Total Assets% 1.73 2.82 2.65 2.78
Loans and securities impairment charges/ Pre- 43.60 48.21 82.54 35.32
Operating Profit/ Average Equity% 17.05 17.57 5.71 21.03
Operating Profit/ Average Total Assets% 0.98 1.46 0.46 1.80
Taxes/ Pre-tax Profit% 29.01 8.59 21.90 24.55
Pre-Impairment Operating Profit / Risk Weighted 2.56 2.61 3.29 3.07
Assets%
Operating Profit / Risk Weighted Assets% 1.44 1.35 0.57 1.98
Net Income/ Average Total Equity% 12.07 16.13 4.46 15.87
Net Income/ Average Total Assets% 0.69 1.34 0.36 1.35
Fitch Comprehensive Income/ Average Total Equity 10.06 19.11 0.73 15.87
%
Fitch Comprehensive Income/ Average Total Assets 0.58 1.59 0.06 1.35
%
Net Income/ Av. Total Assets plus Av. Managed n.a. n.a. n.a. n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% 1.02 1.24 0.45 1.50
Fitch Comprehensive Income/ Risk Weighted 0.85 1.47 0.07 1.50
Assets%
Capitalization
Fitch Core Capital/Weighted Risks% 7.36 6.77 8.35 n.a.
Fitch Eligible Capital/ Weighted Risks% 9.98 9.40 9.29 n.a.
Tangible Common Equity/ Tangible Assets% 4.82 4.95 7.11 6.49
Tier 1 Regulatory Capital Ratio% 9.90 9.70 11.00 8.10
Total Regulatory Capital Ratio% 13.50 13.30 13.00 9.70
Core Tier 1 Regulatory Capital Ratio% 9.00 8.90 9.20 n.a.
Equity/ Total Assets% 5.74 6.03 8.39 7.63
Cash Dividends Paid & Declared/ Net Income% 47.51 2.56 49.77 13.24
Cash Dividend Paid & Declared/ Fitch 57.04 2.16 304.69 13.24
Cash Dividends & Share Repurchase/Net Income% n.a. n.a. n.a. n.a.
Net Income - Cash Dividends/ Total Equity% 6.06 14.51 2.25 14.35
Loan Quality
Growth of Total Assets% 12.05 71.97 -10.68 17.40
Growth of Gross Loans% 7.82 49.77 -12.76 18.46
Impaired Loans(NPLs)/ Gross Loans% 9.04 8.45 9.71 3.07
Reserves for Impaired Loans/ Gross loans% 5.92 5.95 6.11 2.83
Reserves for Impaired Loans/ Impaired Loans% 65.47 70.44 62.86 92.21
Impaired Loans less Reserves for Imp Loans/ Equity 30.17 23.89 28.47 2.13
%
Loan Impairment Charges/ Average Gross Loans% 1.35 2.12 3.23 1.43
Net Charge-offs/ Average Gross Loans% n.a. 0.55 n.a. n.a.
Impaired Loans + Foreclosed Assets/ Gross Loans + 9.04 8.45 9.71 3.07
Foreclosed Assets%
Funding
Loans/ Customer Deposits% 122.22 131.27 118.64 130.98
Interbank Assets/ Interbank Liabilities% 230.57 170.34 60.77 44.63
Customer Deposits/ Total Funding excl Derivatives 53.94 51.35 64.01 58.55
%
Reference Data
Managed Securitized Assets Reported Off-Balance n.a. n.a. n.a. n.a.
Sheet
Other off-balance sheet exposure to securitizations n.a. n.a. n.a. n.a.
Guarantees n.a. n.a. n.a. n.a.

Acceptances and documentary credits reported off- n.a. n.a. n.a. n.a.
balance sheet
Committed Credit Lines 14,847.9 11,992.5 5,395.1 6,342.9
Other Contingent Liabilities 13,280.5 11,855.5 4,667.7 5,052.4
Total Business Volume 175,113.4 155,021.1 86,338.1 96,792.3
Memo: Total Weighted Risks 95,301.6 94,793.7 64,065.1 72,077.3
Fitch Adjustments to Weighted Risks. n.a. n.a. n.a. n.a.
Fitch Adjusted Weighted Risks 95,301.6 94,793.7 64,065.1 72,077.3
Average Loans 79,009.3 56,321.8 53,884.3 54,469.7
Average Earning Assets 129,392.2 80,326.6 70,798.5 71,786.1
Average Assets 140,708.8 87,702.5 79,387.9 79,612.9
Average Managed Assets Securitized Assets (OBS) n.a. n.a. n.a. n.a.
Average Interest-Bearing Liabilities 127,076.6 77,847.4 71,515.0 71,562.8
Average Common equity 6,934.2 6,230.7 5,043.8 5,908.2
Average Equity 8,067.7 7,298.4 6,442.3 6,795.4
Average Customer Deposits 63,561.3 45,862.1 42,520.7 42,757.1
Maturities
Loans & Advances < 3 months 22,863.6 19,426.3 11,808.9 12,547.4
Loans & Advances 3 - 12 Months 14,023.2 13,704.0 9,683.0 11,659.7
Loans and Advances 1 - 5 Years 28,383.1 26,393.4 15,509.4 18,755.5
Loans & Advances > 5 years 16,306.4 16,133.3 13,513.7 13,298.4
Debt Securities < 3 Months n.a. n.a. n.a. n.a.

Debt Securities 3 - 12 Months n.a. n.a. n.a. n.a.
Debt Securities 1 - 5 Years n.a. n.a. n.a. n.a.
Debt Securities > 5 Years n.a. n.a. n.a. n.a.
Interbank < 3 Months 20,385.2 16,405.6 9,684.6 15,393.2

Interbank 3 - 12 Months 2,247.0 2,004.7 506.6 419.9
Interbank 1 - 5 Years 2,074.9 2,266.2 78.6 298.2
Interbank > 5 Years 1,041.0 855.8 40.4 56.7
Retail Deposits < 3 months 49,011.9 43,798.2 33,245.6 n.a.

Retail Deposits 3 - 12 Months 11,200.8 8,648.1 6,892.0 n.a.
Retail Deposits 1 - 5 Years 4,302.5 3,115.8 2,330.2 n.a.
Retail Deposits > 5 Years 2,232.0 2,071.1 110.4 n.a.
Other Deposits < 3 Months n.a. n.a. 3,145.1 34,840.1

Other Deposits 3 - 12 Months n.a. n.a. n.a. 7,577.9
Other Deposits 1 - 5 Years n.a. n.a. n.a. 1,788.0
Other Deposits > 5 Years n.a. n.a. n.a. n.a.
Interbank < 3 Months 22,671.0 16,969.7 562.1 6,071.0
Interbank 3 - 12 Months 4,180.0 6,290.9 5,474.3 5,851.2
Interbank 1 - 5 Years 8,769.8 7,954.4 10,040.9 14,291.0
Interbank > 5 Years 2,371.1 2,444.2 887.8 n.a.
Senior Debt Maturing < 3 months n.a. n.a. n.a. n.a.

Senior Debt Maturing 3-12 Months n.a. n.a. n.a. n.a.
Senior Debt Maturing 1- 5 Years n.a. n.a. n.a. n.a.
Senior Debt Maturing > 5 Years n.a. n.a. n.a. n.a.
Total Senior Debt on Balance Sheet n.a. n.a. n.a. n.a.
Fair Value Portion of Senior Debt n.a. n.a. n.a. n.a.
Covered Bonds n.a. n.a. n.a. n.a.
Subordinated Debt Maturing < 3 months n.a. n.a. n.a. n.a.
Subordinated Debt Maturing 3-12 Months n.a. n.a. n.a. n.a.
Subordinated Debt Maturing 1- 5 Year n.a. n.a. n.a. n.a.
Subordinated Debt Maturing > 5 Years n.a. n.a. n.a. n.a.
Total Subordinated Debt on Balance Sheet 3,331.7 3,182.0 1,301.3 1,684.5
Fair Value Portion of Subordinated Debt n.a. n.a. n.a. n.a.
Net Income 974.1 1,177.2 287.1 1,078.3
Add: Other Adjustments n.a. n.a. n.a. n.a.
Published Net Income 974.1 1,177.2 287.1 n.a.
Equity 8,435.8 7,903.9 6,400.1 6,518.2
Add: Pref. Shares and Hybrid Capital accounted for 2,500.0 2,500.0 600.0 n.a.
as Equity
Published Equity 10,935.8 n.a. 7,000.1 n.a.

Total Equity as reported (including non-controlling 8,435.8 7,903.9 6,400.1 6,518.2
interests)
Fair value effect incl in own debt/borrowings at fv 0.0 0.0 0.0 n.a.
on the B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 0.0 0.0 n.a.
Goodwill 408.5 613.7 581.4 610.2
Other intangibles 657.1 606.1 390.5 341.7
Deferred tax assets deduction 358.0 269.8 79.1 89.8
Net asset value of insurance subsidiaries 0.0 0.0 0.0 n.a.
First loss tranches of off-balance sheet 0.0 0.0 0.0 n.a.
securitizations
Fitch Core Capital 7,012.2 6,414.3 5,349.1 n.a.
Eligible weighted Hybrid capital 2,500.0 750.0 600.0 n.a.
Government held Hybrid Capital 0.0 1,750.0 0.0 n.a.
Fitch Eligible Capital 9,512.2 8,914.3 5,949.1 n.a.
Eligible Hybrid Capital Limit 3,005.2 2,749.0 2,292.5 n.a.
Interest Income on Mortgage Loans n.a. n.a. n.a. n.a.
Interest Income on Other Consumer/ Retail Loans n.a. n.a. n.a. n.a.
Interest Income on Corporate & Commercial Loans n.a. n.a. n.a. n.a.
Interest Income on Other Loans n.a. n.a. n.a. n.a.
Total Interest Income on Loans 4,743.9 4,571.9 4,498.8 5,761.9
Memo: Interest on Leases included in Loan Interest n.a. n.a. n.a. n.a.
Memo: Interest Income on Impaired Financial n.a. n.a. n.a. n.a.

Assets
Interest Expense on Customer Deposits - Current n.a. n.a. n.a. n.a.
Interest Expense on Customer Deposits - Savings n.a. n.a. n.a. n.a.
Interest Expense on Customer Deposits - Term n.a. n.a. n.a. n.a.
Total Interest Expense on Customer Deposits 1,410.7 1,251.0 1,593.8 2,697.6
Total Interest Expense on Other Deposits and ST n.a. n.a. n.a. n.a.
Borrowing
Interest Expense on Long-term Borrowing n.a. n.a. n.a. n.a.
Interest Expense on Subordinated Borrowing n.a. n.a. n.a. n.a.
Interest Expense on Other Funding n.a. n.a. n.a. n.a.
Total Interest Expense on Long-term Funding n.a. n.a. n.a. n.a.
Memo: Interest on Hybrids included above n.a. n.a. n.a. n.a.
Memo: Interest Expense on Leases included above n.a. n.a. n.a. n.a.
Income from Foreign Exchange (ex trading) n.a. n.a. n.a. n.a.
Negative Goodwill in Non-operating Income n.a. n.a. n.a. n.a.
Goodwill write-off n.a. n.a. n.a. n.a.
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a. n.a. 591.2
breakdown)
Trading Assets - Debt Securities - Governments n.a. n.a. n.a. n.a.
Trading Assets - Debt Securities - Banks n.a. n.a. n.a. n.a.
Trading Assets - Debt Securities - Corporates n.a. n.a. n.a. n.a.
Trading Assets - Debt Securities - Structured n.a. n.a. n.a. n.a.
Trading Assets - Equities n.a. n.a. n.a. n.a.
Trading Assets - Commodities n.a. n.a. n.a. n.a.
Debt Sec. designated at FV through the Income n.a. n.a. n.a. n.a.
Debt Securities designated at FV through the n.a. n.a. n.a. n.a.
Equity Securities designated at FV through the n.a. n.a. n.a. n.a.
Income Statement
Loans at FV through the Income Statement n.a. n.a. n.a. n.a.
Trading Assets - Other n.a. n.a. n.a. 1,676.8
Total Trading Assets at FV through the Income n.a. n.a. n.a. 2,268.0
Statement
AFS Assets - Debt Securities (where no issuer n.a. n.a. n.a. n.a.
breakdown)
AFS Assets - Government n.a. n.a. n.a. 4,053.9
AFS Assets - Banks n.a. n.a. n.a. n.a.
AFS Assets - Corporates n.a. n.a. n.a. n.a.
AFS Assets - Structured n.a. n.a. n.a. n.a.
AFS Assets - Equities n.a. n.a. n.a. n.a.
AFS Assets - Other n.a. n.a. n.a. 1,082.7
Total AFS Assets 16,535.0 19,630.9 7,270.5 5,136.6
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. n.a. n.a.
HTM - Government n.a. n.a. n.a. n.a.

HTM Assets - Banks n.a. n.a. n.a. n.a.
HTM Assets - Corporates n.a. n.a. n.a. n.a.
HTM Assets - Structured n.a. n.a. n.a. n.a.
Total HTM Debt Securities n.a. n.a. n.a. n.a.
Total Debt Securities - Government n.a. n.a. n.a. 4,053.9
Total Debt Securities - Banks n.a. n.a. n.a. n.a.
Total Debt Securities - Corporates n.a. n.a. n.a. n.a.
Total Debt Securities - Structured n.a. n.a. n.a. n.a.
Total Debt Securities - Equities & Other n.a. n.a. n.a. 2,759.5
Asset Quality Data

Net Charge-offs
Gross Charge-offs n.a. n.a. n.a. n.a.
Recoveries n.a. n.a. n.a. n.a.
Net Charge-offs n.a. 310.2 n.a. n.a.
Reserves
Collective/General Loan Impairment Reserves 680.5 790.2 726.0 1,641.3
Individual/Specific Loan Impairment Reserves 4,145.0 3,710.7 2,358.0 n.a.
Normal Loans n.a. n.a. n.a. n.a.
Special Mention Loans n.a. n.a. n.a. n.a.
Substandard Loans n.a. n.a. n.a. n.a.
Doubtful Loans n.a. n.a. n.a. n.a.
Loss Loans n.a. n.a. n.a. n.a.
Other Classified Loans n.a. n.a. n.a. n.a.
+90 Days past due n.a. n.a. n.a. n.a.

Nonaccrual Loans n.a. n.a. n.a. n.a.
Restructured Loans n.a. n.a. n.a. n.a.
Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 593.4 3,093.3 1,068.7 468.6
Legal Reserves n.a. n.a. n.a. n.a.

Retained Earnings 3,161.0 2,589.6 2,152.6 1,576.6
Profit/Loss Reserve/Income for the period net of 967.7 1,057.3 69.3 839.2
dividends
Stock Options to be Settled in Equity n.a. n.a. n.a. n.a.
Treasury Shares n.a. n.a. n.a. n.a.
Non-controlling Interest 1,142.9 1,065.7 997.5 923.0
Other Common Equity 7,292.9 6,838.2 5,402.6 5,595.2
Total Common Equity 8,435.8 7,903.9 6,400.1 6,518.2
Valuation Reserves for AFS Securities in OCI Total n.a. n.a. n.a. n.a.
Valuation Reserves for FX in OCI n.a. n.a. n.a. n.a.
Valuation Reserves for PP&E/Fixed Assets in OCI n.a. n.a. n.a. n.a.
Valuation Reserves in OCI - Other n.a. n.a. n.a. n.a.
Total Valuation Reserves in OCI n.a. n.a. n.a. n.a.
Cash Flow Hedge Reserve n.a. n.a. n.a. n.a.
Stock Options to be Settles with Equity Securities n.a. n.a. n.a. n.a.
Pension Reserve Direct to Equity n.a. n.a. n.a. n.a.
Other OCI Reserves 2,570.8 2,567.9 2,569.1 2,568.0
Total OCI Reserves 2,570.8 2,567.9 2,569.1 2,568.0
Other Equity Reserves n.a. n.a. n.a. n.a.
Total Other Equity Reserves 2,570.8 2,567.9 2,569.1 2,568.0
Hybrid Securities Reported in Equity 2,500.0 2,500.0 600.0 n.a.
Total Reported Equity including Non-controlling 10,935.8 10,403.9 7,000.1 6,518.2
Interests
Non-controlling Minority Interest - not loss- n.a. n.a. n.a. n.a.
absorbing
Component of Convertible Bond Reported in Equity n.a. n.a. n.a. n.a.
Other Non-loss Absorbing Items Reported in Equity n.a. n.a. n.a. n.a.
Dividend Declared after Year-End n.a. n.a. n.a. n.a.

Total Dividends Related to Period 462.8 30.1 142.9 142.8
Total Dividends Paid and Declared in Period 462.8 30.1 142.9 142.8
Share Repurchase n.a. n.a. n.a. n.a.
Deferred Tax Assets to be Deducted from Core 358.0 269.8 79.1 89.8
Capital
Intangibles to be deducted from Core Capital n.a. n.a. n.a. n.a.
Embedded Value n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class A n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class B n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class C n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class D n.a. n.a. n.a. n.a.
Hybrid Capital Fitch Class E 2,500.0 2,500.0 600.0 n.a.
Weighted Total of Fitch Hybrid Capital Classes 2,500.0 2,500.0 600.0 n.a.
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 2,500.0 750.0 600.0 n.a.
Regulatory Tier 1 Capital 9,415.4 9,191.2 7,072.0 5,860.2
Total Regulatory Capital 12,857.8 12,607.6 8,328.5 6,991.5
Risk Weighted Assets including floor/cap per Basel 95,301.6 94,793.7 64,065.1 72,077.3
II
Risk Weighted Assets - Credit Risk n.a. n.a. n.a. n.a.
Risk Weighted Assets - Market Risk n.a. n.a. n.a. n.a.
Risk Weighted Assets - Operational Market Risk n.a. n.a. n.a. n.a.
Risk Weighted Assets - Other n.a. n.a. n.a. n.a.
Risk-Weighted Assets excluding Floor/Cap per Basel n.a. n.a. n.a. n.a.
II
Capital Charge Credit Risk n.a. n.a. n.a. n.a.
Capital Charge Market Risk n.a. n.a. n.a. n.a.
Capital Charge Operational Market Risk n.a. n.a. n.a. n.a.
Net Open FX Positions n.a. n.a. n.a. n.a.
Value at Risk in Line with Basel II/CRD/Nat. Leg. n.a. n.a. n.a. n.a.
Standardised Interest Rate Shock n.a. n.a. n.a. n.a.
IRB Banks: Expected Loss n.a. n.a. n.a. n.a.
IRB Banks: Loan Loss Reserves n.a. n.a. n.a. n.a.
First Loss Pieces Retained from Securitisations n.a. n.a. n.a. n.a.
Equity Investments deducted from Regulatory n.a. n.a. n.a. n.a.
Capital
Pledged Securities n.a. n.a. n.a. n.a.
Unencumbered Securities 28,561.5 29,192.3 11,318.2 9,767.2
Reverse repurchase agreements included in loans n.a. n.a. n.a. n.a.
Reverse repurchase agreements in assets - other n.a. n.a. n.a. n.a.
Cash collateral on securities borrowed n.a. n.a. n.a. n.a.
Repurchase agreements included in customer n.a. n.a. n.a. n.a.
deposits
Repurchase agreements included in deposits from n.a. n.a. n.a. n.a.
banks
Repurchase agreements included in liabilities - other n.a. n.a. n.a. n.a.
Cash collateral on securities lent n.a. n.a. n.a. n.a.

Average Reverse repurchase agreements included n.a. n.a. n.a. n.a.
in loans
Number of Employees 60,021 59,188 60,186 61,454

Number of Branches n.a. n.a. n.a. n.a.
Regulatory Tier I Capital Ratio% 9.90 9.70 11.00 8.10
Regulatory Total Capital Ratio% 13.50 13.30 13.00 9.70
Leverage Ratio% n.a. n.a. n.a. n.a.
Assets under Management n.a. n.a. n.a. n.a.
Assets under Administration n.a. n.a. n.a. n.a.
Total Trust Assets n.a. n.a. n.a. n.a.
Deposits of Governments and Municipalities n.a. n.a. n.a. n.a.
Total Exposure to Central Bank n.a. n.a. 2,812.0 5,467.2
Government n.a. n.a. n.a. n.a.
Related Party Loans n.a. n.a. n.a. n.a.
Trust Account Loans n.a. n.a. n.a. n.a.
Lease financing n.a. n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Loan Loss Res / Gross Loans 5.92 5.95 6.11 2.84
Loan Loss Prov / Net Int Rev 29.00 33.37 59.18 24.14
Loan Loss Res / Impaired Loans 65.47 70.44 62.86 92.21
Impaired Loans / Gross Loans 9.04 8.45 9.71 3.07
NCO / Average Gross Loans n.a. 0.49 n.a. n.a.
NCO / Net Inc Bef Ln Lss Prov n.a. 13.08 n.a. n.a.
Impaired Loans / Equity 67.40 61.41 70.08 27.31
Unreserved Impaired Loans / Equity 23.27 18.15 26.03 2.13
Capital
Tier 1 Ratio 9.90 9.70 11.00 8.10
Equity / Tot Assets 7.44 7.93 9.18 7.63
Equity / Net Loans 14.25 14.62 14.76 11.59
Equity / Cust & Short Term Funding 10.44 11.40 11.17 9.26
Equity / Liabilities 8.29 8.91 10.48 8.44
Cap Funds / Tot Assets 10.26 10.98 12.42 9.61
Cap Funds / Net Loans 19.66 20.24 19.97 14.58
Cap Funds / Dep & ST Funding 14.40 15.78 15.11 11.65
Cap Funds / Liabilities 11.44 12.34 14.18 10.63
Subord Debt / Cap Funds 22.08 22.09 13.74 20.54
Operations
Net Interest Margin 2.90 3.75 4.08 4.59
Net Int Rev / Avg Assets 2.64 3.45 3.63 4.09
Oth Op Inc / Avg Assets 1.36 1.81 1.81 2.06
Non Int Exp / Avg Assets 3.01 4.02 4.98 4.34
Pre-Tax Op Inc / Avg Assets n.a. n.a. n.a. n.a.
Non Op Items & Taxes / Avg Ast -0.29 -0.11 -0.10 -0.44
Return On Avg Assets (ROAA) 0.70 1.14 0.36 1.36
Return On Avg Equity (ROAE) 9.13 13.53 4.25 16.41
Dividend Pay-Out 47.51 2.56 49.77 13.24
Inc Net Of Dist / Avg Equity 4.79 13.18 2.13 14.24
Non Op Items / Net Income n.a. n.a. n.a. n.a.
Cost To Income Ratio 56.12 54.61 52.10 54.52
Recurring Earning Power 1.75 2.39 2.61 2.79
Liquidity
Interbank Ratio 230.57 170.34 60.77 44.63
Net Loans / Tot Assets 52.22 54.25 62.18 65.88
Net Loans / Dep & ST Funding 73.28 77.94 75.66 79.90
Net Loans / Tot Dep & Bor 59.22 61.95 71.88 73.93
Liquid Assets / Dep & ST Funding 38.43 33.44 28.16 26.18
Liquid Assets / Tot Dep & Bor 31.05 26.58 26.75 24.23
General information

Type of share: Registered Shares

SEDOL number: B0704T9
Ticker symbol: RBI

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Munchen
Boerse Stuttgart
XETRA
Stock index information: ATX (AUSTRIAN TRADE INDEX) - AUSTRIA
ATX PRIME - AUSTRIA
IPO date: 4/25/2005
Market price - January 26.00 42.95 35.98 16.00 84.55 117.13 59.54 n.a.
Market price - February 27.18 43.50 33.00 14.99 85.40 101.70 70.00 n.a.
Market price - March 26.50 39.16 35.20 21.21 86.35 105.38 70.40 n.a.
Market price - May 22.18 37.99 35.10 29.71 96.35 116.20 64.67 48.50

Price trends (%)

BETA
Reference index 1: ATX PRIME
Reference index 2: ATX (AUSTRIAN TRADE INDEX)

Reference index 3:
Reference index 4:
Reference index 5:


Date News
1 03/09/2012 Raiffeisen Bank International acquires stake in Remontmontaza
(deal no. 1601400014)
2 24/07/2012 Raiffeisen CIS Region Holding has acquired a majority stake in
Priorbank (deal no. 1601390248)
3 30/04/2012 Raiffeisen closes the acquisition of majority stake in Polbank
(deal no. 1601226835)
4 08/03/2012 Raiffeisen Bank International is to increase its stake in
Raiffeisenbank and Tatra Banka (deal no. 1601350786)
5 03/11/2011 The Riverside company acquires Keymile (deal no. 1601313583)
6 25/08/2011 Raiffeisen Bank International considering capital increase (deal

no. 1601295473)
7 04/08/2011 Dufry acquires airport retail ops in Latin America and a
wholesale platform (deal no. 1601290931)
8 04/08/2011 Dufry acquires Interbaires (deal no. 1601172587)
9 20/04/2011 Cyfrowy Polsat acquires Telewizja Polsat (deal no. 1601228678)
10 03/02/2011 Raiffeisen and EFG to transfer Polbank EFG to Raiffeisen Bank

Polska; the acquisition of the majority stake has been completed
(deal no. 1601244638)
11 13/10/2010 Raiffeisen International/Cembra merger completes (deal no.

1601162437)
12 25/07/2010 Raiffeisen International planning acquisitions (deal no.
1601205552)
13 13/07/2010 Raiffeisen and EFG have put/call option for shares in Raiffeisen
Bank Polska (deal no. 1601244642)
14 29/03/2010 Raiffeisen International Bank-Holding may give up its majority
holdings in its Ukrainian subsidiaries (deal no. 1601173142)
15 12/05/2009 Raifaizenbank (Blgariya) issues new shares to its parent (deal
no. 1601077619)
16 26/03/2009 Raiffeisen International Bank-Holding considers capital
measures (deal no. 1601064261)
17 05/02/2009 Raiffeisen International Bank-Holding to acquire Priorbank (deal
no. 1601048908)
18 29/10/2008 Priorbank in capital increase (deal no. 1601099463)
19 30/09/2008 Raiffeisen International Bank-Holding AG has increased stake in
20 24/09/2008 Raiffeisenbank completes placement to Raiffeisen International
Bank-Holding AG (deal no. 1601014588)
21 31/08/2008 Raiffeisen International Bank-Holding AG has increased stake in
22 08/07/2008 Raiffeisenbank merges with eBanka (deal no. 1601000624)
23 25/02/2008 Raiffeisenbank Austria Zagreb is to increase its capital (deal no.
638693)
24 28/01/2008 Stake in Areximbank is for sale (deal no. 613237)
25 19/11/2007 Raiffeisen International Bank Holding and Erste Bank deny
merger reports (deal no. 595155)
26 03/10/2007 Raiffeisen International Bank-Holding completes capital increase
(deal no. 543734)
27 17/09/2007 Raiffeisen International expected to make acquisitions (deal no.
575946)
28 23/01/2007 Impexbank in share issue (deal no. 496762)
29 20/11/2006 OTP Bank acquires Raiffeisen Ukraine (deal no. 433055)
30 30/10/2006 Raiffeisen International acquires eBanka (deal no. 429338)
31 16/10/2006 Raiffeisen International Bank-Holding AG closes the acquisition
of Impexbank (deal no. 348918)
32 23/08/2006 Consortium led by East Capital Explorer Financial Institutions
Fund is to acquire stake in TuranAlemBank (deal no. 434858)
33 20/10/2005 Raiffeisen International Bank-Holding AG completes acquisition
of Aval Bank (deal no. 320728)
34 30/08/2005 Raiffeisen International Bank-Holding AG is to buy UPC (deal no.
373931)
35 28/04/2005 Raiffeisen International Bank-Holding AG may seek secondary
listing (deal no. 341858)
36 25/04/2005 Raiffeisen International Bank-Holding lists on Vienna Stock
Exchange in largest ever IPO in Austria (deal no. 215737)
37 31/03/2005 Raiffeisenbank (Bulgaria) AD raises capital (deal no. 236184)
38 30/03/2005 Raiffeisen International Beteiligungs AG raises stake in
Raiffeisen Bank SA (deal no. 316593)
39 21/10/2004 International Finance Corporation to acquire shares in Raiffeisen
International Bank-Holding (deal no. 288053)
40 08/10/2004 EBRD to acquire stake in Raiffeisen International Bank-Holding
(deal no. 166256)
41 12/09/2003 Raiffeisen Zentralbank AG to acquire remaining stake in
Raiffeisen Bank Kosovo (deal no. 141589)
42 30/04/2003 Raiffeisen International Beteiligungs AG may take full control of
Tatra Banka AS. (deal no. 164961)
43 30/04/2003 Raiffeisen International Beteiligungs AG has bought Tatra
Banka. (deal no. 164970)
44 08/04/2003 Raiffeisen International may increase stake in Priorbank JSC.
(deal no. 160575)
45 11/03/2003 Raiffeisen International Beteiligungs AG has increased its stake
in Raiffeisen Bank SA. (deal no. 155058)
46 21/01/2003 Raiffeisen International acquires majority control in Belarussian
bank (deal no. 143006)
47 20/12/2002 RIB plans to issue Priorbank shares (deal no. 143240)
48 10/12/2002 Raiffeisen Zentralbank acquires majority stake in American Bank
of Kosovo (deal no. 141484)
Source : Zephyr
Boards & committees

1. Dr. Walter Rothensteiner - Chairman of the Supervisory SupB VI
P038936942 Board
- Chairman, Personnel OthBC VI
Committee; Chairman, Working
Committee
2. Mag. Erwin Hameseder - First Vice Chairman of the SupB VI
P038946182 Supervisory Board; Member of
the Supervisory Board
(since 10/10/2010)
2.
- 1st Deputy Chairman, Audit AudC VI

Committee
- 1st Deputy Chairman, Working OthBC VI
Committee; 1st Deputy
Chairman, Personnel Committee
3. Mag. Markus Mair - Third Vice Chairman of the SupB VI
(since 10/10/2010)
- 3rd Deputy Chairman, Audit AudC VI
Committee
- 3rd Deputy Chairman, Personnel OthBC VI
Committee; 3rd Deputy
Chairman, Working Committee
4. Mag. Dr. Ludwig Scharinger - Second Deputy Chairman, SupB VI
(since 10/10/2010)
- 2nd Deputy Chairman, Audit AudC VI
Committee
- 2nd Deputy Chairman, Working OthBC VI
Committee; 2nd Deputy
Chairman, Personnel Committee
5. Peter Anzeletti-Reikl - Member, Supervisory Board SupB VI
P122056208 - Member, Audit Committee AudC VI
- Member, Working Committee OthBC VI
6. Stewart D. Gager - Member, Supervisory Board SupB VI
P039741457
7. Dr. Kurt Geiger - Member of the Supervisory SupB VI
P012538919 Board
8. Rudolf Kortenhof - Member, Supervisory Board SupB VI
9. Mr. Martin Prater - Member, Supervisory Board SupB VI
10. Dr. Hannes Schmid - Member of the Supervisory SupB VI
P039724068 Board (since 10/10/2010)
11. Mr. Johannes Peter Schuster - Member, Supervisory Board SupB VI
P100660264 (since 10/10/2010)
- Member, Working Committee; OthBC VI
Member, Personnel Committee
12. Dr. Friedrich Sommer - Member, Supervisory Board SupB VI
P039696987 (since 10/10/2010)
13. Mag. Christian Teufl - Member of the Supervisory SupB VI
P038946188 Board (since 10/10/2010)
14. Dr. Герберт Степич - Chairman of the Executive Board ExeB VI
P014138899
15. Mr. Арис Богданерис - Member of the Management ExeB VI
P039741453 Board
16. Mr. Patrick Butler - Member, Management Board ExeB VI
P038926513 (since 10/10/2010)
17. Mr. Martin Grüll - Member of the Management ExeB VI
P039697673 Board; Management Board
Member
18. Mr. Питер Леннкх - Member of the Management ExeB VI
P039741454 Board; Management Board
Member
19. Mag. Карл Севельда - Member, Management Board ExeB VI
(since 10/10/2010)
19. - Member, Management Board ExeB VI
P038989079 (since 10/10/2010)
20. Dr. Johann Strobl - Member of the Management ExeB VI
P000024783 Board (since 10/10/2010)
21. Mag. Manfred Url - Deputy Chairman, Audit AudC VI
P039739355 Committee
- Deputy Chairman, Working OthBC VI
Committee; Deputy Chairman,
Personnel Committee
Management & staff

1. Dr. Герберт Степич - Chief Executive Officer SenMan VI
P014138899
2. Mag. Карл Севельда - Deputy to the Chief Executive SenMan VI
P038989079 Officer
3. Mr. Martin Grüll - Chief Financial Officer FinAcc VI
P039697673
4. Mr. Арис Богданерис - COO, Retail Banking Oper VI
P039741453
5. Dr. Johann Strobl - Chief Risk Officer OthDep VI
P000024783
070
486
the relevant
ional AG.
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ager for more
ager for more
Watch
IFRS IFRS IFRS IFRS

Unqualified Unqualified Unqualified Audited
31/12/2007 31/12/2006 31/12/2005 31/12/2004
47,776.6 34,170.6 24,064.2 15,876.0

48,879.8 35,042.7 24,714.0 16,242.3
1,103.2 872.1 649.8 366.3
18,112.3 14,668.8 11,580.5 10,206.3
11,053.2 8,202.4 5,794.3 4,779.4
620.7 313.5 181.9 384.2
6,438.4 6,152.9 5,604.3 5,042.7
0.0 n.a. n.a. n.a.
65,888.9 48,839.4 35,644.7 26,082.3
1,153.6 1,055.7 738.8 441.0
5,700.3 5,971.9 4,311.4 2,384.1
72,742.8 55,867.0 40,694.9 28,907.4
60,384.1 46,969.9 35,126.0 24,789.2

40,457.2 33,156.3 24,889.5 18,169.5
13,634.3 8,248.6 5,888.1 3,947.2
6,292.6 5,565.0 4,348.4 2,672.5
4,547.4 3,343.6 1,620.9 1,540.3
695.2 505.7 281.1 434.1
n.a. n.a. n.a. n.a.
3,852.2 2,837.9 1,339.8 1,106.2
874.2 746.3 540.1 288.1
n.a. n.a. n.a. n.a.
315.0 217.6 131.5 112.8
6,622.1 4,589.6 3,276.4 2,177.0
72,742.8 55,867.0 40,694.9 28,907.4
308.9 167.3 260.9 233.1

1,103.2 872.1 649.8 366.3
16,998.4 14,636.3 10,176.9 8,737.6
1,136.8 1,220.7 880.7 177.0
12,679.4 13,036.4 9,735.3 5,939.0
n.a. n.a. n.a. n.a.

1,531.8 1,416.2 580.7 443.7

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2,418.8 1,763.9 1,202.1 803.5
1,364.9 1,717.8 718.6 528.0
97.8 174.8 300.8 220.1
-9.2 103.2 10.9 8.3
1,249.8 933.3 406.9 299.6

26.5 506.5 n.a. n.a.
2,189.1 1,693.2 1,184.8 853.1
357.0 308.9 167.3 137.6
n.a. n.a. n.a. n.a.
1,237.6 1,479.6 568.6 340.8
264.1 205.2 109.0 71.0
973.5 1,274.4 459.6 269.8
3,783.7 3,481.7 1,920.7 1,331.5
n.a. n.a. n.a. n.a.
12.40 11.00 9.80 12.00

10.50 9.00 8.00 10.10
6,684.3 n.a. n.a. n.a.
5,692.3 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
4,309.4 3,008.6 n.a. n.a.

295.9 239.6 2,103.3 1,570.5
n.a. n.a. n.a. n.a.
4,605.3 3,248.2 2,103.3 1,570.5
1,998.5 1,374.6 n.a. n.a.

188.0 109.7 901.2 767.0
2,186.5 1,484.3 901.2 767.0
2,418.8 1,763.9 1,202.1 803.5
97.8 174.8 300.8 220.1

0.0 n.a. n.a. n.a.
-9.2 103.2 10.9 8.3
n.a. n.a. n.a. n.a.

1,249.8 933.3 406.9 299.6
26.5 506.5 n.a. n.a.
1,364.9 1,717.8 718.6 528.0
1,084.9 824.7 552.0 380.6
1,104.2 868.5 632.8 472.5
2,189.1 1,693.2 1,184.8 853.1
n.a. n.a. n.a. n.a.

1,594.6 1,788.5 735.9 478.4
357.0 308.9 167.3 137.6
n.a. n.a. n.a. n.a.
1,237.6 1,479.6 568.6 340.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,237.6 1,479.6 568.6 340.8
264.1 205.2 109.0 71.0
n.a. n.a. n.a. n.a.
973.5 1,274.4 459.6 269.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. -1,248.5 1,248.5
973.5 1,274.4 -788.9 1,518.3
132.2 92.2 77.3 60.3
841.3 1,182.2 382.3 209.5
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
12,432.6 7,382.1 5,971.2 2,874.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
36,447.2 27,660.6 18,742.8 13,367.6
1,103.2 872.1 649.8 366.3
47,776.6 34,170.6 24,064.2 15,876.0
48,879.8 35,042.7 24,714.0 16,242.3
308.9 167.3 260.9 233.1
n.a. n.a. n.a. n.a.
11,053.2 8,202.4 5,794.3 4,779.4

n.a. n.a. n.a. n.a.
2,281.0 2,370.3 1,474.4 2,062.8
620.7 313.5 181.9 384.2
4,133.4 995.1 1,322.7 650.5
n.a. 2,787.5 2,807.2 2,329.4
24.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7,059.1 6,466.4 5,786.2 5,426.9
4,144.3 3,844.0 4,234.1 3,869.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
65,888.9 48,839.4 35,644.7 26,082.3
3,664.2 4,063.6 2,908.2 1,895.4

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,153.6 1,055.7 738.8 441.0
757.0 839.2 527.3 74.8
379.8 381.5 353.4 102.2
96.2 22.4 n.a. n.a.
70.3 73.1 n.a. n.a.
n.a. n.a. n.a. n.a.
732.8 592.1 522.5 311.7
72,742.8 55,867.0 40,694.9 28,907.4
17,584.9 14,518.8 10,694.7 6,896.2

1,244.0 1,328.1 1,442.1 958.3
21,628.3 17,309.4 12,752.7 10,315.0
40,457.2 33,156.3 24,889.5 18,169.5
13,634.3 8,248.6 5,888.1 3,947.2
n.a. n.a. n.a. n.a.
6,292.6 5,565.0 4,348.4 2,672.5
60,384.1 46,969.9 35,126.0 24,789.2
2,320.4 1,421.7 759.1 662.5

1,531.8 1,416.2 580.7 443.7
n.a. n.a. n.a. n.a.
3,852.2 2,837.9 1,339.8 1,106.2
695.2 505.7 281.1 434.1
n.a. n.a. n.a. n.a.
64,931.5 50,313.5 36,746.9 26,329.5
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
315.0 217.6 131.5 112.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
193.5 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
680.7 746.3 540.1 288.1
66,120.7 51,277.4 37,418.5 26,730.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,827.4 3,985.7 2,801.3 591.5

794.7 603.9 475.1 337.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 1,248.5
6,622.1 4,589.6 3,276.4 2,177.0

72,742.8 55,867.0 40,694.9 28,907.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
10.28 10.17 n.a. n.a.

5.48 4.79 n.a. n.a.
8.07 7.79 6.81 n.a.

3.82 3.45 2.86 n.a.
4.24 4.23 3.89 n.a.

3.61 3.49 3.35 n.a.
4.24 4.23 3.89 n.a.

36.07 49.34 37.41 39.65
57.86 48.63 61.69 64.07
3.43 3.55 3.40 n.a.
29.52 47.11 26.99 n.a.
2.50 3.75 2.11 n.a.
22.39 17.27 22.73 28.76
22.91 38.97 20.85 n.a.

1.94 3.11 1.63 n.a.
21.34 13.87 19.17 20.83
2.96 n.a. n.a. n.a.
2.30 n.a. n.a. n.a.
18.02 33.57 16.86 n.a.

1.53 2.68 1.32 n.a.
18.02 33.57 -28.93 n.a.
1.53 2.68 -2.27 n.a.
n.a. n.a. n.a. n.a.
1.81 n.a. n.a. n.a.

1.81 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
7.66 6.16 6.02 6.96
10.50 9.00 8.00 10.10
12.40 11.00 9.80 12.00
n.a. n.a. n.a. n.a.
9.10 8.22 8.05 7.53
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

14.70 27.77 14.03 12.39
30.21 37.28 40.78 n.a.

39.49 41.79 52.16 n.a.
0.63 0.48 1.06 1.44
2.26 2.49 2.63 2.26
357.14 521.28 249.06 157.14
-11.99 -15.36 -11.87 -6.12
0.85 1.04 0.82 n.a.

n.a. n.a. n.a. n.a.
0.63 0.48 1.06 1.44
120.82 105.69 99.29 89.39

81.07 99.44 98.41 121.08
62.98 66.57 68.25 70.16
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
8,080.9 9,360.8 6,800.7 4,205.4

4,598.5 3,675.6 2,934.6 1,733.6
85,422.2 68,903.4 50,430.2 34,846.4
53,905.6 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
53,905.6 n.a. n.a. n.a.
41,939.8 29,593.9 20,478.2 n.a.

57,073.4 41,680.0 30,863.5 n.a.
63,751.3 47,633.6 34,801.2 n.a.
n.a. n.a. n.a. n.a.
57,212.3 43,025.1 31,538.2 n.a.
4,707.7 3,263.0 1,696.4 n.a.
5,401.9 3,796.7 2,726.7 n.a.
36,437.8 28,696.9 21,529.5 n.a.
11,154.3 8,294.5 5,334.1 3,795.5

10,161.2 7,722.0 6,179.2 4,285.6
16,613.6 11,929.2 8,629.8 5,473.8
9,847.5 6,224.9 3,921.1 2,321.1
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
14,225.3 7,677.3 5,457.5 4,165.4

375.8 337.7 181.4 471.8
50.7 135.6 141.9 85.4
65.5 51.9 13.5 56.7
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
33,509.2 27,061.4 20,819.6 14,495.1

5,048.6 4,488.6 3,059.2 2,127.3
1,899.4 1,606.3 1,010.7 1,547.1
n.a. n.a. n.a. n.a.
5,157.5 4,323.6 2,944.7 2,369.2
5,542.3 2,426.9 1,717.4 836.2
9,227.2 7,063.0 1,476.8 3,414.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,531.8 1,416.2 580.7 443.7
n.a. n.a. n.a. n.a.
973.5 1,274.4 459.6 269.8

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
6,622.1 4,589.6 3,276.4 2,177.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
6,622.1 4,589.6 3,276.4 2,177.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

757.0 839.2 527.3 74.8
379.8 381.5 353.4 102.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. 0.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,309.4 3,008.6 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,998.5 1,374.6 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
834.2 807.6 866.8 1,494.9
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

1,446.8 1,562.7 607.6 567.9
2,281.0 2,370.3 1,474.4 2,062.8
n.a. n.a. n.a. n.a.
3,310.1 646.7 924.7 468.5

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
823.3 348.4 398.0 182.0
4,133.4 995.1 1,322.7 650.5
n.a. 397.8 364.6 423.0
n.a. 2,389.7 2,442.6 1,906.4

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 2,787.5 2,807.2 2,329.4
3,310.1 3,036.4 3,367.3 2,374.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,270.1 1,911.1 1,005.6 749.9
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,103.2 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
469.2 433.7 434.2 382.1
4,516.9 2,369.9 1,984.8 n.a.

841.3 1,182.1 382.3 209.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
794.7 603.9 475.1 337.0
5,827.4 3,985.7 2,801.3 1,840.0
5,827.4 3,985.7 2,801.3 591.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 1,248.5
n.a. n.a. n.a. 1,248.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 1,248.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 1,248.5
n.a. n.a. n.a. n.a.
6,622.1 4,589.6 3,276.4 2,177.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 0.0 n.a.
n.a. n.a. 0.0 n.a.
n.a. n.a. 0.0 n.a.
5,692.3 n.a. n.a. n.a.

6,684.3 n.a. n.a. n.a.
10.50 9.00 8.00 10.10
12.40 11.00 9.80 12.00
53,905.6 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7,059.1 6,466.4 5,786.2 5,426.9

n.a. n.a. n.a. n.a.
7,059.1 6,466.4 5,786.2 5,426.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
55,550 52,732 43,614 22,851

n.a. n.a. n.a. n.a.
10.50 9.00 8.00 10.10
n.a. n.a. n.a. n.a.
12.40 11.00 9.80 12.00
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,304.0 2,926.6 2,124.7 1,452.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.26 2.49 2.63 2.26

14.76 17.51 13.92 17.13
357.14 521.28 249.06 157.14
0.63 0.48 1.06 1.44
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4.67 3.65 7.96 10.71
n.a. n.a. n.a. n.a.
10.50 9.00 8.00 10.10

12.40 11.00 9.80 12.00
9.10 8.22 8.05 7.53
13.86 13.43 13.62 13.71
10.97 9.77 9.33 8.78
10.25 9.21 8.89 8.28
11.21 10.75 9.48 9.07
17.07 17.58 16.03 16.51
13.50 12.79 10.98 10.57
12.62 12.05 10.47 9.97
18.79 23.58 15.06 16.93
4.22 4.18 3.90 3.08

3.76 3.65 3.45 2.78
2.12 3.56 2.07 1.83
3.96 4.15 3.89 3.43
n.a. n.a. n.a. n.a.
-0.41 -0.43 -0.31 -0.25
1.51 2.64 1.32 0.93
17.37 32.40 16.86 12.39
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
57.86 48.63 61.69 64.07
2.48 3.70 2.12 1.66
81.07 99.44 98.41 121.08

65.68 61.16 59.13 54.92
79.12 72.75 68.51 64.04
75.36 69.88 66.54 61.33
28.15 31.16 28.97 35.25
26.81 29.93 28.14 33.75
2005
n.a.
n.a.
n.a.
40.00
48.50
52.81
46.52
47.30
55.55
52.50
52.69
55.55
Oesterreichische Volksbanken AG

The GUO of this controlled subsidiary is VOLKSBANKEN HOLDING REGGENMBH
Contact details
KOLINGASSE 14 - 16 Phone number 43 (1) 313 40-0

Fax number 43 (1) 313 40-36 83
1011 VIENNA Web Site Address www.oevag.volksbank.at
AUSTRIA
Bank History :
On September 28, 2012, Oesterreichische Volksbanken AG absorbed Investkredit Bank AG.
Accounting Standards International Financial Nickname OEVIAS
Name of the Auditor KPMG Austria GmbH Model ALLBANKS
available

Latest net income -989 mil EUR Ranking (Country), rolling 4
Market cap. 2.5 mil EUR
(29/10/2012) World rank, 2011 366
shareholders
No of recorded 176
subsidiaries
Specialisation Cooperative Bank
Peer Group
Peer Group Name Cooperative Banks Europe (Excl. Eastern Europe)

Size 1,766
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 11,771.4 22,092.4 22,923.2 25,531.2
Gross Loans 12,717.1 23,614.9 24,168.6 26,027.8
Less: Reserves for Impaired Loans/ NPLs 945.7 1,522.5 1,245.4 496.6
Derivatives 1,801.2 1,662.8 1,564.0 823.1
Remaining earning assets 308.3 334.8 1,836.3 1,852.6
Fixed Assets 127.8 248.1 263.1 272.3
Total Assets 41,134.6 46,464.8 48,116.4 55,814.9

Other Deposits and Short-term Borrowings 3,641.6 2,908.7 2,404.9 n.a.
Derivatives 2,999.5 2,651.9 2,208.4 2,110.3
Trading Liabilities n.a. n.a. n.a. n.a.
Other (Non-Interest bearing) 7,925.4 1,894.2 949.9 5,481.0
Other Reserves 190.3 186.1 191.0 162.9
Equity 476.1 2,058.1 2,121.3 2,223.8
Notes
Impaired Loans (Memo) 1,934.0 3,651.0 2,708.0 n.a.
Loan Loss Reserves (Memo) 945.7 1,522.5 1,245.4 496.6
Intangibles (Memo) 13.8 125.3 131.8 129.8
Off Balance Sheet Items n.a. n.a. n.a. n.a.
Hybrid Capital (Memo) 450.0 800.0 853.1 880.2

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Interest Revenue 371.0 753.5 547.0 1,070.0
Other Operating Income -260.8 300.4 62.7 198.1
Net Gains (Losses) on Trading and Derivatives -83.6 39.5 178.4 51.9
Net Gains (Losses) on Assets at FV through Income -23.4 27.5 -15.3 -104.0
Statement
Net Fees and Commissions 94.3 166.9 150.0 185.0
Remaining Operating Income -248.1 66.5 -250.4 65.2
Overheads 381.5 582.7 741.4 795.7
Loan Loss Provisions 103.6 364.3 863.4 143.7
Other -384.3 -16.1 51.7 -730.6
Profit before Tax -759.2 90.8 -943.4 -401.9
Tax 98.1 34.3 179.6 -191.0
Net Income -989.3 56.5 -1,123.0 -210.9
Operating Income (Memo) 110.2 1,053.9 609.7 1,268.1
Dividend Paid 0.0 0.0 0.0 0.0

Tier 1 Ratio 8.78 9.37 9.20 7.14
Total Capital 3,326.1 3,563.0 3,682.5 3,423.6
Tier 1 Capital 2,305.0 2,613.0 2,714.7 2,514.7
Net-Charge Offs n.a. n.a. n.a. n.a.

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 793.8 1,146.2 1,322.3 1,733.6
Other Interest Income 662.7 820.3 872.2 1,074.5
Dividend Income -30.4 24.4 -9.7 531.2
Interest Expense on Customer Deposits 119.4 203.4 256.8 338.4

Other Interest Expense 935.7 1,034.0 1,381.0 1,930.9
Net Interest Income 371.0 753.5 547.0 1,070.0
Net Gains (Losses) on Other Securities -331.2 15.4 -315.0 -201.8
Net Gains (Losses) on Assets at FV through Income -23.4 27.5 -15.3 -104.0
Statement
Other Operating Income 83.1 51.1 64.6 267.0
Total Non-Interest Operating Income -260.8 300.4 62.7 198.1
Personnel Expenses 167.1 291.3 277.6 308.4
Other Operating Expenses 214.4 291.4 463.8 487.3
Total Non-Interest Expenses 381.5 582.7 741.4 795.7

Pre-Impairment Operating Profit -271.3 471.2 -131.7 472.4
Loan Impairment Charge 103.6 364.3 863.4 143.7
Operating Profit -374.9 106.9 -995.1 328.7

Non-recurring Income n.a. 2.2 71.7 4.4
Non-recurring Expense 327.9 10.7 15.1 558.7
Other Non-operating Income and Expenses -56.4 -7.6 -4.9 -176.3
Pre-tax Profit -759.2 90.8 -943.4 -401.9
Tax expense 98.1 34.3 179.6 -191.0
Profit/Loss from Discontinued Operations -132.0 n.a. n.a. n.a.
Net Income -989.3 56.5 -1,123.0 -210.9
Change in Value of AFS Investments -90.6 -39.8 54.8 -144.3

Currency Translation Differences 19.0 -5.5 -20.5 n.a.
Remaining OCI Gains/(losses) -4.8 n.a. n.a. n.a.
Fitch Comprehensive Income -1,065.7 11.2 -1,088.7 -355.2
Memo: Profit Allocation to Non-controlling Interests n.a. 1.1 -38.8 -58.9
Memo: Net Income after Allocation to Non- -989.3 55.4 -1,084.2 -152.0
Memo: Preferred Dividends Related to the Period 0.0 0.0 0.0 0.0
Balance Sheet
Assets
Loans
Residential Mortgage Loans n.a. n.a. n.a. n.a.
Other Consumer/ Retail Loans 2,578.9 12,661.0 13,647.5 14,280.8
Corporate & Commercial Loans 9,640.9 10,650.3 10,181.8 11,160.4
Other Loans 497.3 303.6 339.3 586.6
Less: Reserves for Impaired Loans/ NPLs 945.7 1,522.5 1,245.4 496.6
Net Loans 11,771.4 22,092.4 22,923.2 25,531.2
Gross Loans 12,717.1 23,614.9 24,168.6 26,027.8
Memo: Impaired Loans included above 1,934.0 3,651.0 2,708.0 n.a.
Trading Securities and at FV through Income 796.6 1,264.5 1,267.0 1,656.1
Derivatives 1,801.2 1,662.8 1,564.0 823.1
Held to Maturity Securities 1,375.9 1,736.7 1,959.2 2,352.7
Memo: Government Securities included Above n.a. n.a. n.a. n.a.
Investments in Property n.a. n.a. 1,711.4 1,716.5
Non-earning Assets
Cash and Due From Banks 430.9 1,982.4 3,008.1 3,875.6
Fixed Assets 127.8 248.1 263.1 272.3
Goodwill n.a. 65.1 72.1 72.0
Discontinued Operations 8,875.0 1,719.5 n.a. n.a.
Other Assets 2,019.0 1,372.5 1,880.1 6,646.8
Total Assets 41,134.6 46,464.8 48,116.4 55,814.9
Customer Deposits - Savings 0.2 125.7 136.4 97.1
Customer Deposits - Term n.a. n.a. n.a. n.a.
Funding
Other Funding n.a. n.a. n.a. n.a.
Derivatives 2,999.5 2,651.9 2,208.4 2,110.3
Total Funding 32,092.8 41,526.4 44,001.1 47,067.0
Current Tax Liabilities 9.3 8.0 17.4 28.2
Deferred Tax Liabilities 74.4 84.4 129.2 138.1
Other Deferred Liabilities n.a. n.a. n.a. n.a.
Discontinued Operations 7,281.9 n.a. n.a. n.a.
Other Liabilities 559.8 1,801.8 803.3 5,314.7
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 450.0 800.0 853.1 880.2
Debt
Pref. Shares and Hybrid Capital accounted for as 10.2 1,034.1 1,034.1 n.a.
Equity
Equity
Common Equity 328.3 342.2 293.4 1,434.8
Non-controlling Interest 395.7 865.4 943.2 993.2
Securities Revaluation Reserves -243.9 -183.6 -149.4 -204.2
Foreign Exchange Revaluation Reserves -14.2 n.a. n.a. n.a.
Fixed Asset Revaluations and Other Accumulated n.a. n.a. n.a. n.a.
OCI
Total Equity 465.9 1,024.0 1,087.2 2,223.8
Memo: Fitch Core Capital 341.0 722.9 787.2 1,728.2
Memo: Fitch Eligible Capital 487.1 2,032.7 2,124.6 2,468.9
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Net Int. Inc Less Loan Impairment Charges/ Av. 0.73 0.91 -0.69 1.44
Earning Assets%
Non-Interest Income/ Gross Revenues% -236.66 28.50 10.28 15.62
Pre-impairment Op. Profit/ Average Equity% -24.21 30.80 -5.92 17.37
Pre-impairment Op. Profit/ Average Total Assets% -0.62 0.98 -0.25 0.64
Loans and securities impairment charges/ Pre- -38.19 77.31 -655.58 30.42
Operating Profit/ Average Equity% -33.46 6.99 -44.73 12.09
Operating Profit/ Average Total Assets% -0.85 0.22 -1.88 0.44
Taxes/ Pre-tax Profit% -12.92 37.78 -19.04 47.52
Pre-Impairment Operating Profit / Risk Weighted -1.03 1.69 -0.45 1.42
Assets%
Operating Profit / Risk Weighted Assets% -1.43 0.38 -3.37 0.99
Net Income/ Average Total Equity% -88.29 3.69 -50.48 -7.76
Net Income/ Average Total Assets% -2.25 0.12 -2.12 -0.28
Fitch Comprehensive Income/ Average Total Equity -95.11 0.73 -48.94 -13.06
%
Fitch Comprehensive Income/ Average Total Assets -2.43 0.02 -2.05 -0.48
%
Securitized Assets%
Net Income/ Risk Weighted Assets% -3.77 0.20 -3.81 -0.63
Fitch Comprehensive Income/ Risk Weighted -4.06 0.04 -3.69 -1.07
Assets%
Capitalization
Fitch Core Capital/Weighted Risks% 1.30 2.59 2.67 5.20
Fitch Eligible Capital/ Weighted Risks% 1.85 7.29 7.20 7.42
Core Tier 1 Regulatory Capital Ratio% n.a. n.a. n.a. n.a.
Net Income - Cash Dividends/ Total Equity% -212.34 5.52 -103.29 -9.48
Loan Quality
Growth of Total Assets% -11.47 -3.43 -13.79 -29.03
Growth of Gross Loans% -46.15 -2.29 -7.14 -33.34
Impaired Loans(NPLs)/ Gross Loans% 15.21 15.46 11.20 n.a.
Reserves for Impaired Loans/ Impaired Loans% 48.90 41.70 45.99 n.a.
Impaired Loans less Reserves for Imp Loans/ Equity 212.13 207.86 134.53 n.a.
%
Net Charge-offs/ Average Gross Loans% n.a. n.a. n.a. n.a.
Impaired Loans + Foreclosed Assets/ Gross Loans + 15.21 15.46 11.20 n.a.
Foreclosed Assets%
Funding
%
Reference Data
Sheet

balance sheet
Committed Credit Lines n.a. n.a. n.a. n.a.
Other Contingent Liabilities n.a. n.a. n.a. n.a.
Average Loans 19,367.4 24,196.1 27,450.8 36,127.0
Average Assets 43,878.3 48,311.5 52,988.2 74,054.9
Average Common equity 621.3 855.8 1,439.0 1,588.3
Average Equity 1,120.5 1,529.8 2,224.6 2,718.9
Maturities
Loans & Advances < 3 months 2,545.4 4,200.9 3,796.3 n.a.
Loans & Advances 3 - 12 Months 1,958.3 2,991.8 3,319.9 n.a.
Loans and Advances 1 - 5 Years 5,130.2 7,895.0 7,631.4 n.a.
Loans & Advances > 5 years 3,083.2 8,527.2 9,421.0 n.a.

Interbank < 3 Months 5,096.3 5,770.9 4,929.4 n.a.

Interbank 3 - 12 Months 763.4 138.9 603.4 n.a.
Interbank 1 - 5 Years 759.8 111.0 133.2 n.a.
Interbank > 5 Years 1,344.8 411.1 295.6 n.a.
Retail Deposits < 3 months 1,051.8 4,369.5 4,692.1 n.a.

Retail Deposits 3 - 12 Months 118.7 980.3 848.1 n.a.
Retail Deposits 1 - 5 Years 361.5 573.5 444.2 n.a.
Retail Deposits > 5 Years 1,180.7 1,388.6 1,331.1 n.a.
Other Deposits < 3 Months n.a. n.a. n.a. n.a.

Other Deposits 3 - 12 Months n.a. n.a. n.a. n.a.
Other Deposits 1 - 5 Years n.a. n.a. n.a. n.a.
Interbank 3 - 12 Months 996.8 645.3 1,523.7 n.a.
Interbank 1 - 5 Years 1,931.8 3,889.5 4,848.2 n.a.
Interbank > 5 Years 1,310.8 3,474.2 3,423.3 n.a.
Senior Debt Maturing < 3 months 1,506.7 780.3 n.a. n.a.

Senior Debt Maturing 3-12 Months 2,134.9 2,128.4 n.a. n.a.
Senior Debt Maturing 1- 5 Years 5,577.2 8,603.3 n.a. n.a.
Senior Debt Maturing > 5 Years 4,233.3 4,609.5 n.a. n.a.
Total Senior Debt on Balance Sheet 13,452.1 16,121.5 n.a. n.a.
Net Income -989.3 56.5 -1,123.0 -210.9
Published Net Income -989.3 56.5 -1,123.0 -210.9
Equity 465.9 1,024.0 1,087.2 2,223.8
Add: Pref. Shares and Hybrid Capital accounted for 10.2 1,034.1 1,034.1 n.a.
as Equity
Published Equity 476.1 2,058.1 2,121.3 2,223.8

Total Equity as reported (including non-controlling 465.9 1,024.0 1,087.2 2,223.8
interests)
Fair value effect incl in own debt/borrowings at fv 0.0 0.0 0.0 0.0
on the B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 0.0 0.0 0.0
Goodwill 0.0 65.1 72.1 72.0
Net asset value of insurance subsidiaries 0.0 0.0 0.0 0.0
First loss tranches of off-balance sheet 0.0 0.0 0.0 0.0
securitizations
Fitch Core Capital 341.0 722.9 787.2 1,728.2
Eligible weighted Hybrid capital 146.1 309.8 337.4 740.7
Government held Hybrid Capital 0.0 1,000.0 1,000.0 0.0
Fitch Eligible Capital 487.1 2,032.7 2,124.6 2,468.9
Eligible Hybrid Capital Limit 146.1 309.8 337.4 740.7
Total Interest Income on Loans 793.8 1,146.2 1,322.3 1,733.6

Assets
Total Interest Expense on Customer Deposits 119.4 203.4 256.8 338.4
Borrowing
Securities
breakdown)
Trading Assets - Equities n.a. n.a. n.a. 18.5
Income Statement
Trading Assets - Other n.a. n.a. n.a. n.a.
Total Trading Assets at FV through the Income n.a. n.a. n.a. 262.5
Statement
AFS Assets - Debt Securities (where no issuer n.a. n.a. n.a. 4,168.2
breakdown)
AFS Assets - Government n.a. n.a. n.a. n.a.
AFS Assets - Equities n.a. n.a. n.a. 276.5
AFS Assets - Other n.a. n.a. n.a. n.a.
Total AFS Assets 3,467.6 4,655.4 4,466.3 3,066.2
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. n.a. 2,379.2

Total HTM Debt Securities 1,375.9 1,736.7 1,959.2 2,352.7
Total Debt Securities - Government n.a. n.a. n.a. n.a.
Total Debt Securities - Equities & Other n.a. n.a. n.a. 295.0
Asset Quality Data

Net Charge-offs
Net Charge-offs n.a. n.a. n.a. n.a.
Reserves
Collective/General Loan Impairment Reserves n.a. n.a. n.a. n.a.
Individual/Specific Loan Impairment Reserves n.a. n.a. n.a. n.a.

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 1,338.8 1,339.2 1,339.3 339.5

Retained Earnings -1,002.0 79.5 32.9 613.0
Profit/Loss Reserve/Income for the period net of n.a. n.a. n.a. n.a.
dividends
Other Common Equity 70.2 158.6 144.0 1,230.6
Total Common Equity 465.9 1,024.0 1,087.2 2,223.8
Valuation Reserves for AFS Securities in OCI Total -243.9 -183.6 -149.4 -204.2
Valuation Reserves for FX in OCI -14.2 -45.2 -41.7 -21.2
Total Valuation Reserves in OCI -258.1 -228.8 -191.1 -225.4
Cash Flow Hedge Reserve 1.8 2.8 -3.0 10.2
Other OCI Reserves n.a. 0.0 0.0 493.3
Total OCI Reserves -256.3 -226.0 -194.1 278.1
Total Other Equity Reserves -256.3 -226.0 -194.1 278.1
Hybrid Securities Reported in Equity 10.2 1,034.1 1,034.1 n.a.
Total Reported Equity including Non-controlling 476.1 2,058.1 2,121.3 2,223.8
Interests
absorbing

Total Dividends Related to Period n.a. n.a. n.a. n.a.
Capital
Hybrid Capital Fitch Class E 844.1 2,227.5 2,232.5 880.2
Weighted Total of Fitch Hybrid Capital Classes 844.1 2,227.5 2,232.5 880.2
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 844.1 1,227.5 1,232.5 880.2
II
Risk-Weighted Assets excluding Floor/Cap per Basel n.a. 27,880.8 n.a. n.a.
II
Equity Investments deducted from Regulatory n.a. n.a. 99.2 140.7
Capital
deposits
banks

in loans
Number of Employees 6,196 7,606 7,931 n.a.

Total Exposure to Central Bank 429.8 1,878.3 2,899.2 3,747.5
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Loan Loss Res / Impaired Loans 48.90 41.70 45.99 n.a.
Impaired Loans / Gross Loans 15.21 15.46 11.21 n.a.
NCO / Average Gross Loans n.a. n.a. n.a. n.a.
NCO / Net Inc Bef Ln Lss Prov n.a. n.a. n.a. n.a.
Impaired Loans / Equity 406.22 177.40 127.66 n.a.
Unreserved Impaired Loans / Equity 207.58 103.42 68.95 n.a.
Capital
Tier 1 Ratio 8.78 9.37 9.20 7.14
Equity / Net Loans 4.05 9.32 9.25 8.71
Operations
Oth Op Inc / Avg Assets -0.60 0.64 0.12 0.30
Pre-Tax Op Inc / Avg Assets -0.86 0.23 -1.92 0.49
Return On Avg Assets (ROAA) -2.26 0.12 -2.16 -0.31
Return On Avg Equity (ROAE) -78.08 2.70 -51.69 -8.16
Dividend Pay-Out 0.00 0.00 0.00 0.00
Inc Net Of Dist / Avg Equity -78.08 2.70 -51.69 -8.16
Non Op Items / Net Income 38.85 -28.50 -4.60 346.42
Recurring Earning Power -0.62 1.00 -0.25 0.70
Liquidity
Interbank Ratio 68.36 44.74 37.08 30.36
General information
No of outstanding shares (29/10/2012): 208,000

Current market capitalisation (th EUR): 2,497

Ticker symbol: VBPS

Boerse Stuttgart
IPO date: 12/22/1986
Market price - February 49.00 127.50 129.00 153.85 318.00 365.30 229.60 n.a.
Market price - March 32.11 128.15 129.00 n.a. n.a. 360.00 230.10 n.a.
Market price - May 29.00 134.10 n.a. 155.30 327.00 340.01 226.30 224.29
Market price - August 15.05 129.70 n.a. 148.00 252.00 341.00 253.11 224.29
Market price - September 13.51 116.50 n.a. 141.00 242.00 329.03 253.01 224.29
Market price - November n.a. 84.00 n.a. 132.89 161.46 327.00 n.a. 230.10

Price trends (%)

Price trends - 4 weeks n.a.
Price trends - Quarter to date -11.11
Price trends - Previous quarter to date -53.43
Price trends - Year to date -84.14
Date News
1 27/02/2012 Austria Republic to acquire stake in Österreichische
Volksbanken-AG via capital increase (deal no. 1601346836)
2 15/02/2012 Sberbank completes acquisition of Volksbank International (deal
no. 1601262614)
3 20/12/2011 Österreichische Volksbanken-AG divests mionority stake in
Victoria-Volksbanken to Ergo Austria (deal no. 1601327033)
4 31/10/2011 Österreichische Volksbanken-AG transferred its stake in
Volksbank Romania to VBI Beteiligungs (deal no. 1601368414)
5 21/10/2011 Österreichische Volksbanken-AG may sell stake in Victoria

Versicherungen (deal no. 1601310967)
6 15/04/2011 Investkredit and ÖVAG demeger awaiting approval by EU
Commission and competition authorities (deal no. 1601113934)
7 16/01/2011 Österreichische Volksbanken may sell holding in Raiffeisen

Zentralbank (deal no. 1601239364)
8 31/12/2010 CA Immobilien Anlagen completes the acquisition of Europolis
(deal no. 1601173062)
9 07/12/2010 Österreichische Volksbanken considering sale of 2 subsidiaries
(deal no. 1601232719)
10 03/09/2010 Oesterreichische Volksbanken in talks to acquire unit of
Volksbank Kufstein (deal no. 1601214855)
11 22/06/2010 Semper Constantia Privatbank sold to consortium led by Mr
Erhard Grossnigg and Petrus Advisers (deal no. 1601036517)
12 09/06/2010 ÖVAG completes sale of retail banks to Volksbanken (deal no.
1601032920)
13 29/03/2010 ÖVAG seeks strategic partner; BAWAG may be eying ÖVAG
(deal no. 1601173121)
14 26/03/2010 Allgemeine Bausparkasse acquires majority stake in IMMO Bank
(deal no. 1601172042)
15 25/03/2010 BPCE may be eying ÖVAG's stake in Volksbank International
(deal no. 1601173081)
16 08/10/2009 ÖVAG may sell certain banking subsidiaries (deal no.
1601122420)
17 08/10/2009 Volksbank and Bawag merger talks reportedly break down (deal
no. 1601121360)
18 05/01/2009 Austrian government acquires stake in Kommunalkredit Austria
from Österreichische Volksbanken (deal no. 1601027619)
19 25/11/2008 ÖVAG may sell stake in Volksbank, Gewerbe- und Handelsbank

Kärnten (deal no. 1601032925)
20 22/10/2008 Österreichische Volksbanken may be planning capital increase
for 2010 (deal no. 1601024946)
21 17/10/2008 Constantia Privatbank sold to five Austrian banks (deal no.
310732)
22 28/08/2007 ÖVAG plans acquisitions (deal no. 570497)
23 23/05/2006 Österreichische Volksbanken-AG to sell stake in Hypo
Niederoesterreich to province of Lower Austria (deal no.
354305)
24 30/11/2005 Österreichische Volksbanken-AG acquires remaining shares in

Investkredit (deal no. 376931)
25 18/11/2005 ÖVAG acquires stake in DCM DECOmetall International Trading
(deal no. 395850)
26 12/09/2005 Österreichische Volksbanken-AG announces capital increase
(deal no. 376916)
27 18/07/2005 OeVAG increases stake in Investkredit (deal no. 354331)
28 17/03/2005 Österreichische Volksbanken-AG fails to acquire majority in
Investkredit Bank (deal no. 314672)
29 02/02/2005 Wiener Städtische Allgemeine Versicherungs-AG sells stake in
Investkredit Bank to Österreichische Volksbanken (deal no.
255331)
30 01/02/2005 Erste Bank der Österreichischen Sparkassen AG sells stake in

Investkredit Bank to Österreichische Volksbanken (deal no.
255323)
31 01/02/2005 BAWAG PSK Group sells stake in Investkredit to

Oesterreichische Volksbanken (deal no. 255312)
32 11/06/2004 Österreichische Volksbanken-AG may sell stake in Investkredit
Bank (deal no. 255334)
33 22/03/2004 Oesterreichische Nationalbank to form payment transaction
systems joint venture with big five Austrian banks (deal no.
235706)
34 22/03/2004 Oesterreichische Nationalbank to form National Automated

Clearing House with big five Austrian banks (deal no. 235719)
35 03/06/2003 DZ Bank set to acquire stake in Volksbank International (deal
no. 170762)
36 31/05/2003 ÖVAG to acquire Trust Banka (deal no. 170138)
37 26/04/2003 ÖVAG seeks partners for International Holding (deal no.
163999)
38 18/12/2002 Ergo/Victoria increases stake in OeVAG (deal no. 142909)
Source : Zephyr
Boards & committees

1. Prof. Hans Hofinger - Chairman, Supervisory Board SupB VI
P039739904
2. Mr. Franz Frischling - Second Deputy Chairman, SupB VI
3. Dr. Rainer Kuhnle - First Deputy Chairman, SupB VI
4. Mr. Edwin Reiter - Second Deputy Chairman, SupB VI
5. Mag. Harald Berger - Member, Supervisory Board SupB VI
P039739905
6. Dr. Thomas Bock - Member, Supervisory Board SupB VI
P039715951
7. Herman Ehinger - Member, Supervisory Board SupB VI
P070848843 (Delegated by the Staff Council)
8. KommR Erich Hackl - Member, Supervisory Board SupB VI
P039734537
9. Josef Heidegger - Member, Supervisory Board SupB VI
10. Mr. Wolfgang Kirsch - Member, Supervisory Board SupB VI
P039495879
11. Mr. Wolfgang Köhler - Member, Supervisory Board SupB VI
P014293840
12. Hans Lang - Member, Supervisory Board SupB VI
- Chairman of the Staff Council OthBC VI
13. Dr. Jochen Karl Friedrich - Member, Supervisory Board SupB VI
Messemer
13.
P014291958
14. Erika Mork - Member, Supervisory Board SupB VI
P134265437 (Delegated by staff Council)
(since 08/09/2011)
15. Mr. Franz Nebel - Member, Supervisory Board SupB VI
P039737941
16. Anton Pauschenwein - Member, Supervisory Board SupB VI
P122012017
17. Michaela Pokorny - Member, Supervisory Board SupB VI
18. Mr. Claudius Seidl - Member, Supervisory Board SupB VI
P039682703
19. Dr Dieter Seyser - Member, Supervisory Board SupB VI
P134265436 (since 08/09/2011)
20. Prof. Dr Matthäus Thun- - Member, Supervisory Board SupB VI
Hohenstein (Delegated by the Staff Council)
P039692820
21. Dr. Walter Zandanell - Member, Supervisory Board SupB VI
P000306800
22. Mag. Gerald Wenzel - Chairman of the Managing Board ExeB VI
P039739912
23. Mr. Michael Mendel - Deputy Chairman of the ExeB VI
P039739901 Managing Board (Risk)
24. MBA Martin Fuchsbauer - Member, Managing Board ExeB VI
P039741599
25. Mag. Wolfgang Perdich - Member, Managing Board ExeB VI
P039592261
26. Dkfm. Werner Eidherr - Member, Advisory Board AdvB VI
P039740133
27. Mr. Johannes Fleischer - Member, Advisory Board AdvB VI
P039765240
28. Dr. Hermann Geissler - Member, Advisory Board AdvB VI
P000201777
29. Mr. Johannes Jelenik - Member of the Advisory Board AdvB VI
P039734771
30. Franz Knor - Member, Advisory Board AdvB VI
P134265435
31. Mr. Michael Perschka - Member, Advisory Board AdvB VI
P039729949
32. Dr. Gerhard Reiner - Member, Advisory Board AdvB VI
P039719184
33. Wolfgang Schauer - Member, Advisory Board AdvB VI
P134265434
34. Mr. Othmar Schmid - Member, Advisory Board AdvB VI
P039738199
35. Gerhard Schwaiger - Member, Advisory Board AdvB VI
P134265433
36. Mag. Peter Sekot - Member, Advisory Board AdvB VI
P039746057
37. Mag. Bernd Spohn - Member, Advisory Board AdvB VI
P000216226
38. Mr. Helmut Stieb - Member, Advisory Board AdvB VI
P039729947
39. Präs. BR KR Sonja Zwazl - Member, Advisory Board AdvB VI
P000193279
40. Viktor Lebloch - Deputy State Commissioner OthBC VI
P096612196
41. Heinrich Lorenz - State Commissioner OthBC VI
P132366219
Management & staff
1. Mag. Gerald Wenzel - Chief Executive Officer SenMan VI
P039739912
2. Mr. Michael Mendel - Deputy Chief Executive Officer SenMan VI
P039739901
3. Viktor Lebloch - Senior Legal Secretary LegDep VI
P096612196
4. Heinrich Lorenz - Seniour Legal Secretary LegDep VI
P132366219
0
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Watch
IFRS IFRS IFRS IFRS

Audited Audited Unqualified Unqualified
Original Original Original Restated
31/12/2007 31/12/2006 31/12/2005 31/12/2004
38,545.4 30,666.8 28,579.4 13,959.5

39,047.8 31,109.6 29,017.0 14,310.2
502.4 442.8 437.6 350.7
33,316.4 32,812.4 23,363.2 8,713.8
11,367.8 6,019.7 6,232.3 3,715.4
2,936.4 2,498.7 1,871.1 534.7
18,988.0 18,102.1 15,108.2 4,431.9
24.2 6,191.9 151.6 31.8
71,861.8 63,479.2 51,942.6 22,673.3
1,780.3 1,233.7 1,024.8 239.5
4,998.7 2,716.4 1,832.1 858.2
78,640.8 67,429.3 54,799.5 23,771.0
35,051.4 21,470.1 19,680.4 11,779.8

10,850.9 8,087.1 8,571.1 6,576.4
24,200.5 13,383.0 11,109.3 5,203.4
n.a. n.a. 0.0 0.0
38,768.9 35,473.4 31,139.4 9,869.9
3,693.7 3,234.8 2,456.1 255.2
n.a. n.a. n.a. n.a.
35,075.2 32,238.6 28,683.3 9,614.7
1,669.4 7,049.6 1,107.6 650.0
n.a. n.a. n.a. n.a.
203.7 165.9 203.7 150.8
2,947.4 3,270.3 2,668.4 1,320.5
78,640.8 67,429.3 54,799.5 23,771.0
n.a. n.a. n.a. n.a.

502.4 442.8 437.6 350.7
15,032.3 7,924.8 7,161.2 4,411.2
455.1 410.3 377.8 23.6
n.a. 16,769.1 12,952.1 5,449.6
n.a. n.a. n.a. n.a.

1,966.5 1,392.9 868.0 698.5

31/12/2007 31/12/2006 31/12/2005 31/12/2004
640.5 490.3 358.9 371.3
486.4 504.8 364.9 324.5
57.2 15.8 -40.4 41.4
n.a. n.a. n.a. n.a.
191.5 135.4 102.0 96.5

237.7 353.6 303.3 186.6
670.0 646.4 535.5 522.3
87.1 61.8 52.4 4.0
18.3 22.6 84.0 -25.6
388.1 309.5 219.9 143.9
42.2 46.7 9.0 26.5
345.9 262.8 210.9 117.4
1,100.5 968.4 706.1 689.3
36.1 25.9 26.9 26.9
10.85 11.91 10.17 13.59

7.05 7.71 7.33 10.04
4,257.8 4,114.5 2,737.4 1,945.9
2,766.7 2,663.8 1,972.3 1,437.7
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
4,951.0 2,765.8 1,735.7 987.2
29.6 824.0 386.2 173.1
n.a. 6.0 4.7 n.a.
4,980.6 3,595.8 2,126.6 1,160.3
4,241.5 2,083.6 1,224.8 478.7

98.6 1,021.9 542.9 310.3
4,340.1 3,105.5 1,767.7 789.0
640.5 490.3 358.9 371.3
57.2 15.8 -40.4 41.4

0.2 42.2 117.4 10.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

191.5 135.4 102.0 96.5
211.1 284.7 168.2 169.9
460.0 478.1 347.2 318.0
322.1 260.9 208.3 196.9
347.9 385.5 327.2 325.4
670.0 646.4 535.5 522.3
26.4 26.7 17.7 6.5

456.9 348.7 188.3 173.5
87.1 61.8 52.4 4.0
n.a. n.a. n.a. 37.7
369.8 286.9 135.9 131.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. 12.2
1.2 2.1 1.8 0.1
n.a. n.a. n.a. n.a.
19.5 24.7 85.8 n.a.
388.1 309.5 219.9 143.9
42.2 46.7 9.0 26.5
n.a. n.a. n.a. n.a.
345.9 262.8 210.9 117.4
-94.4 -10.5 -14.0 24.9

n.a. n.a. n.a. n.a.
-8.3 23.1 4.7 0.1
n.a. n.a. n.a. n.a.
243.2 275.4 201.6 142.4
126.2 107.6 50.5 29.3
219.7 155.2 160.4 88.1
36.1 25.9 26.9 26.9

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 2,946.6 2,998.8 2,431.0
n.a. 19,369.9 15,792.3 8,905.9
39,047.8 8,793.1 10,225.9 2,973.3
502.4 442.8 437.6 350.7
38,545.4 30,666.8 28,579.4 13,959.5
39,047.8 31,109.6 29,017.0 14,310.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
11,367.8 6,019.7 6,232.3 3,715.4

n.a. n.a. n.a. n.a.
464.1 705.2 280.8 360.2
2,936.4 2,498.7 1,871.1 534.7
14,159.2 13,971.7 11,949.2 3,061.7
4,036.4 3,200.4 2,675.9 935.2
328.3 224.8 202.3 74.8
n.a. n.a. n.a. n.a.
21,924.4 20,600.8 16,979.3 4,966.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
24.2 6,191.9 151.6 31.8
71,861.8 63,479.2 51,942.6 22,673.3
3,200.4 1,199.9 648.1 335.6

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,780.3 1,233.7 1,024.8 239.5
380.2 341.3 307.1 5.7
74.9 69.0 70.7 17.9
39.7 33.4 16.9 7.8
101.6 89.0 96.7 21.3
n.a. n.a. n.a. n.a.
1,201.9 983.8 692.6 469.9
78,640.8 67,429.3 54,799.5 23,771.0
4,578.3 3,998.2 3,335.7 2,782.7

6,272.6 4,088.9 5,235.4 3,793.7
n.a. n.a. n.a. n.a.
10,850.9 8,087.1 8,571.1 6,576.4
24,200.5 13,383.0 11,109.3 5,203.4
n.a. n.a. n.a. n.a.
n.a. n.a. 0.0 0.0
35,051.4 21,470.1 19,680.4 11,779.8
33,108.7 30,845.7 27,815.3 8,916.2

1,966.5 1,392.9 868.0 698.5
n.a. n.a. n.a. n.a.
35,075.2 32,238.6 28,683.3 9,614.7
3,693.7 3,234.8 2,456.1 255.2
n.a. n.a. n.a. n.a.
73,820.3 56,943.5 50,819.8 21,649.7
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
203.7 165.9 203.7 150.8
31.0 25.1 24.4 20.8
129.7 76.2 102.1 79.3
n.a. n.a. n.a. n.a.
n.a. 5,868.3 n.a. n.a.
n.a. n.a. n.a. n.a.
1,508.7 1,080.0 981.1 549.9
75,693.4 64,159.0 52,131.1 22,450.5
n.a. n.a. n.a. n.a.
n.a. 424.6 430.3 n.a.
1,634.4 1,448.8 1,304.5 858.1

1,347.0 1,329.0 887.9 405.8
-59.9 34.5 45.0 59.0
n.a. n.a. n.a. n.a.
25.9 33.4 0.7 -2.4
2,947.4 2,845.7 2,238.1 1,320.5

78,640.8 67,429.3 54,799.5 23,771.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
14.33 9.04 8.95 7.35

45.50 24.05 16.98 7.77
7.29 6.27 6.44 5.50

6.78 5.74 5.53 3.82
0.94 0.86 1.09 1.76

0.81 0.75 0.93 1.74
0.94 0.86 1.09 1.76

41.80 49.37 49.17 46.13
60.88 66.75 75.84 75.77
0.90 1.06 1.54 2.29
15.52 13.74 11.13 13.73
0.61 0.57 0.54 0.76
19.06 17.72 27.83 24.03
12.56 11.31 8.04 10.43

0.50 0.47 0.39 0.58
10.87 15.09 4.09 18.42
1.19 1.03 0.72 1.28
0.96 0.85 0.52 0.97
11.75 10.36 12.47 9.29

0.47 0.43 0.61 0.52
8.26 10.85 11.92 11.27
0.33 0.45 0.58 0.63
n.a. n.a. n.a. n.a.
0.90 0.78 0.80 0.86

0.63 0.81 0.77 1.05
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
3.15 3.59 3.36 5.38
7.05 7.71 7.33 10.04
10.85 11.91 10.17 13.59
n.a. n.a. n.a. n.a.
3.75 4.22 4.08 5.56
10.44 9.86 12.75 22.91
14.84 9.40 13.34 18.89
n.a. n.a. n.a. n.a.

10.51 8.32 8.22 6.85
16.63 23.05 130.53 10.25

25.52 7.21 102.77 14.49
n.a. n.a. n.a. n.a.
1.29 1.42 1.51 2.45
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.25 0.20 0.27 0.03

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
359.86 384.68 338.54 217.60

46.97 44.98 56.10 71.40
15.47 15.06 17.72 30.74
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 10,527.7 6,276.2 1,291.7

n.a. n.a. n.a. n.a.
n.a. 6,241.4 6,675.9 4,157.9

n.a. n.a. n.a. n.a.
78,640.8 84,198.4 67,751.6 29,220.6
38,502.3 33,894.5 26,282.9 13,606.0
n.a. n.a. n.a. n.a.
38,502.3 33,894.5 26,282.9 13,606.0
34,557.3 30,581.1 19,398.3 13,438.8

68,356.8 57,317.9 32,998.5 21,114.8
74,314.9 61,144.3 34,858.2 22,780.6
n.a. n.a. n.a. n.a.
64,019.1 54,119.3 31,969.2 20,674.3
1,555.9 1,760.8 1,031.2 818.7
2,944.4 2,537.6 1,691.3 1,263.8
9,322.8 8,662.9 7,213.6 6,162.4
3,708.6 3,597.6 2,379.8 2,201.8

2,972.8 2,067.5 1,960.4 1,765.6
9,914.6 8,222.8 7,566.5 4,112.6
22,451.8 17,221.7 17,110.3 6,230.2
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
6,343.7 3,065.8 3,436.3 2,322.4

683.3 1,220.6 320.2 294.9
2,168.2 1,013.4 700.9 237.6
2,172.7 720.0 573.3 177.6
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 5,892.2 5,780.5 4,438.4

n.a. 845.5 814.9 752.6
n.a. 1,349.4 1,975.7 1,385.4
n.a. n.a. n.a. n.a.
15,140.6 10,423.9 5,739.0 1,153.8
2,821.8 1,580.1 824.9 576.7
6,238.0 1,378.9 1,660.3 231.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

10,777.2 9,224.8 5,213.5 1,536.8
22,331.6 21,620.9 22,601.7 7,379.5
n.a. n.a. n.a. n.a.
33,108.8 30,845.7 27,815.2 8,916.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,966.5 1,392.9 868.0 698.5
n.a. n.a. n.a. n.a.
345.9 262.8 210.9 117.4

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,947.4 2,845.7 2,238.1 1,320.5

n.a. 424.6 430.3 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
2,947.4 2,845.7 2,238.1 1,320.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

380.2 341.3 307.1 5.7
74.9 69.0 70.7 17.9
28.1 32.0 35.4 21.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. 424.6 430.4 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,951.0 2,765.8 1,735.7 987.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,241.5 2,083.6 1,224.8 478.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
434.3 692.7 267.0 335.6
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
29.8 12.5 13.8 24.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
464.1 705.2 280.8 360.2
13,860.3 13,584.0 11,374.1 2,706.9
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
298.9 387.7 575.1 354.8
n.a. n.a. n.a. n.a.
14,159.2 13,971.7 11,949.2 3,061.7
4,036.4 3,200.4 2,675.9 935.2
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,036.4 3,200.4 2,675.9 935.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
328.7 400.2 588.9 379.4
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
66.9 19.0 n.a. n.a.

434.8 441.9 436.6 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
340.0 340.1 319.6 241.7
493.7 494.1 492.7 261.5

800.7 614.6 492.2 354.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
1,347.0 1,329.0 887.9 405.8
1,600.4 1,516.7 1,350.2 914.7
1,634.4 1,448.8 1,304.5 858.1
-59.9 34.5 45.0 59.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-59.9 34.5 45.0 59.0
6.3 5.5 -4.1 -2.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-53.6 40.0 40.9 56.5
n.a. n.a. n.a. n.a.
-53.6 40.0 40.9 56.5
n.a. 424.6 430.3 n.a.
2,947.4 3,270.3 2,668.4 1,320.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

36.1 25.9 26.9 26.9
36.1 25.9 26.9 26.9
n.a. n.a. n.a. n.a.
28.1 32.0 35.4 21.3
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 424.6 430.4 n.a.
n.a. 424.6 430.4 n.a.
n.a. 424.6 430.4 n.a.
2,766.7 2,663.8 1,972.3 1,437.7

4,257.8 4,114.5 2,737.4 1,945.9
7.05 7.71 7.33 10.04
10.85 11.91 10.17 13.59
38,502.3 33,894.5 26,282.9 13,606.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
83.5 89.9 79.1 0.5
21,924.4 20,600.8 16,979.3 4,966.6

n.a. n.a. n.a. n.a.
21,924.4 20,600.8 16,979.3 4,966.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
7,705 6,388 5,482 4,952

493 337 263 n.a.
7.05 7.71 7.33 10.04
n.a. n.a. n.a. n.a.
10.85 11.91 10.17 13.59
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,064.6 1,103.2 562.5 259.3
n.a. n.a. n.a. n.a.
n.a. 633.3 795.0 650.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1.29 1.42 1.51 2.45

13.60 12.61 14.60 1.08
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7.05 7.71 7.33 10.04
10.85 11.91 10.17 13.59
3.75 4.85 4.87 5.56
7.65 10.66 9.34 9.46
8.41 15.23 13.56 11.21
4.00 5.21 5.21 6.07
6.25 6.92 6.45 8.49
12.75 15.21 12.37 14.46
14.02 21.72 17.97 17.14
6.67 7.43 6.90 9.28
40.02 29.87 24.55 34.60
0.95 0.85 0.96 1.77

0.88 0.80 0.91 1.64
0.67 0.83 0.93 1.43
1.04 1.16 1.50 2.32
0.51 0.47 0.35 0.75
-0.03 -0.04 0.19 -0.23
0.47 0.43 0.54 0.52
11.13 8.85 10.57 9.22
10.44 9.86 12.76 22.91
9.97 7.98 9.23 7.11
5.29 8.60 39.83 -21.81
59.46 64.96 73.99 75.07
0.63 0.57 0.48 0.77
46.97 44.98 56.10 71.40

49.02 45.48 52.15 58.73
109.97 142.84 145.22 118.50
53.64 55.21 57.21 66.63
42.89 36.91 36.39 37.45
20.92 14.27 14.34 21.06
2005
230.10
n.a.
n.a.
230.10
224.29
224.29
224.29
224.29
224.29
226.50
230.10
230.10
Dexia
1210 BRUSSELS BvD ID number BE0458548296

BELGIUM Index number 45621
Contact details
Place Rogier 11 Phone number 32 (2) 213 57 00

Fax number 32 (2) 213 57 01
1210 BRUSSELS Web Site Address www.dexia.com
BELGIUM
Formerly known as Dexia Belgium

Bank History :
Established on October 23, 1996. On November 25, 1999, Dexia Belgium was renamed Dexia.
Accounting Standards International Financial Nickname DEXIAGI
Name of the Auditor PricewaterhouseCoopers Model ALLBANKS
available

Latest net income -11,641 mil EUR Ranking (Country), rolling
(29/10/2012) World rank, 2011
shareholders
No of recorded 422
subsidiaries
Companies
Peer Group
Size 178
information.
Country ratings (BELGIUM, as at 30/10/2012)
information.
Overall country rating BBB 01/10/2012
Banking sector rating BBB 01/10/2012 Stable
Global summary

Audited Unqualified Unqualified Unqualified
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 173,550.0 352,307.0 353,987.0 368,845.0
Gross Loans 175,478.0 356,803.0 358,059.0 372,434.0
Derivatives 31,318.0 51,080.0 44,307.0 59,151.0
Remaining earning assets n.a. n.a. n.a. 0.0
Fixed Assets 736.0 2,346.0 2,396.0 2,353.0
Total Assets 412,759.0 566,735.0 577,630.0 651,006.0

Derivatives 56,482.0 74,326.0 60,303.0 77,377.0
Other (Non-Interest bearing) 118,058.0 20,101.0 22,563.0 27,125.0
Other Reserves 332.0 1,498.0 1,581.0 1,487.0
Equity -320.0 10,728.0 11,988.0 5,618.0
Notes
Intangibles (Memo) 1,185.0 2,276.0 2,177.0 2,193.0

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Interest Revenue 750.0 3,963.0 5,144.0 6,244.0
Other Operating Income -5,133.0 1,280.0 1,020.0 1,069.0
Net Gains (Losses) on Trading and Derivatives n.a. n.a. n.a. n.a.
Net Gains (Losses) on Assets at FV through Income -56.0 28.0 215.0 -1,040.0
Statement
Net Fees and Commissions 95.0 1,333.0 1,228.0 1,431.0
Remaining Operating Income -5,172.0 -81.0 -423.0 678.0
Overheads 1,114.0 3,558.0 3,518.0 3,847.0
Loan Loss Provisions 551.0 641.0 1,096.0 1,132.0
Other -196.0 -120.0 -147.0 -6,211.0
Profit before Tax -6,244.0 924.0 1,403.0 -3,877.0
Tax 161.0 127.0 314.0 -629.0
Net Income -11,641.0 797.0 1,089.0 -3,248.0
Operating Income (Memo) -4,383.0 5,238.0 6,125.0 7,314.0
Dividend Paid 0.0 0.0 0.0 n.a.

Tier 1 Ratio 7.60 13.10 12.30 10.60
Total Capital 8,589.0 20,636.0 20,251.0 18,077.0
Tier 1 Capital 6,305.0 18,425.0 17,573.0 16,126.0
Net-Charge Offs n.a. n.a. n.a. 22.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Other Interest Income 17,553.0 34,939.0 50,836.0 94,055.0
Dividend Income 7.0 81.0 114.0 171.0
Interest Expense on Customer Deposits 819.0 1,613.0 1,972.0 5,989.0

Other Interest Expense 22,355.0 41,391.0 56,978.0 95,797.0
Net Interest Income 750.0 3,963.0 5,144.0 6,244.0
Net Gains (Losses) on Other Securities -5,226.0 244.0 -130.0 710.0
Net Gains (Losses) on Assets at FV through Income -56.0 28.0 215.0 -1,040.0
Statement
Net Insurance Income 12.0 -362.0 -349.0 22.0
Net Fees and Commissions 95.0 1,333.0 1,228.0 1,431.0
Other Operating Income 42.0 32.0 17.0 -53.0
Total Non-Interest Operating Income -5,133.0 1,275.0 981.0 1,070.0
Personnel Expenses 722.0 1,733.0 1,758.0 1,974.0
Other Operating Expenses 392.0 1,825.0 1,760.0 1,873.0
Equity-accounted Profit/ Loss - Operating n.a. 5.0 39.0 -1.0

Pre-Impairment Operating Profit -5,497.0 1,685.0 2,646.0 3,466.0
Loan Impairment Charge 551.0 641.0 1,096.0 1,132.0
Securities and Other Credit Impairment Charges 196.0 1.0 51.0 4,689.0
Operating Profit -6,244.0 1,043.0 1,499.0 -2,355.0

Non-recurring Income n.a. 264.0 153.0 n.a.
Non-recurring Expense n.a. 357.0 95.0 1,948.0
Change in Fair Value of Own Debt n.a. -26.0 -154.0 426.0
Pre-tax Profit -6,244.0 924.0 1,403.0 -3,877.0
Tax expense 161.0 127.0 314.0 -629.0
Profit/Loss from Discontinued Operations -5,236.0 n.a. n.a. n.a.
Net Income -11,641.0 797.0 1,089.0 -3,248.0
Change in Value of AFS Investments -1,632.0 -2,230.0 4,782.0 -10,361.0

Currency Translation Differences -478.0 176.0 10.0 -394.0
Remaining OCI Gains/(losses) 2,726.0 34.0 454.0 n.a.
Fitch Comprehensive Income -11,025.0 -1,223.0 6,335.0 -14,003.0
Memo: Profit Allocation to Non-controlling Interests -2.0 74.0 79.0 78.0
Memo: Net Income after Allocation to Non- -11,639.0 723.0 1,010.0 -3,326.0
Memo: Common Dividends Relating to the Period 0.0 0.0 0.0 n.a.
Memo: Preferred Dividends Related to the Period 0.0 0.0 0.0 n.a.
Balance Sheet
Assets
Loans
Other Loans 175,478.0 356,803.0 358,059.0 372,434.0
Net Loans 173,550.0 352,307.0 353,987.0 368,845.0
Gross Loans 175,478.0 356,803.0 358,059.0 372,434.0
Derivatives 31,318.0 51,080.0 44,307.0 59,151.0
Investments in Property n.a. n.a. n.a. n.a.
Other Earning Assets n.a. n.a. n.a. 0.0
Non-earning Assets
Memo: Mandatory Reserves included above 1,655.0 n.a. n.a. n.a.
Fixed Assets 736.0 2,346.0 2,396.0 2,353.0
Goodwill 1,042.0 1,820.0 1,740.0 1,750.0
Deferred Tax Assets 708.0 2,710.0 2,719.0 3,979.0
Discontinued Operations 110,359.0 50.0 4,350.0 6,260.0
Other Assets 724.0 2,359.0 1,895.0 1,998.0
Total Assets 412,759.0 566,735.0 577,630.0 651,006.0
Customer Deposits - Savings 6,544.0 37,990.0 33,859.0 26,072.0
Repos and Cash Collateral 2,549.0 22,058.0 23,211.0 12,388.0
Funding
Derivatives 56,482.0 74,326.0 60,303.0 77,377.0
Total Funding 294,464.0 534,183.0 541,273.0 616,551.0
Reserves for Pensions and Other 332.0 1,498.0 1,581.0 1,487.0
Discontinued Operations 116,350.0 0.0 4,332.0 5,691.0
Insurance Liabilities n.a. 15,646.0 13,408.0 16,739.0
Other Liabilities 1,516.0 4,298.0 4,585.0 4,393.0
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. 1,198.0 1,196.0 1,196.0
Equity
Equity
Common Equity 7,589.0 19,214.0 18,498.0 17,488.0
Non-controlling Interest 1,698.0 585.0 611.0 506.0
Securities Revaluation Reserves -7,895.0 -9,247.0 -7,084.0 -11,875.0
Foreign Exchange Revaluation Reserves n.a. n.a. n.a. n.a.
Fixed Asset Revaluations and Other Accumulated -1,712.0 -1,022.0 -1,233.0 -1,697.0
OCI
Total Equity -320.0 9,530.0 10,792.0 4,422.0
Memo: Fitch Core Capital -2,213.0 5,557.0 4,928.0 n.a.
Memo: Fitch Eligible Capital -3,161.4 6,980.0 6,349.0 n.a.
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Non-Interest Expense/ Gross Revenues% -25.42 67.93 57.44 52.60
Pre-impairment Op. Profit/ Average Equity% -91.97 16.73 35.30 34.39
Pre-impairment Op. Profit/ Average Total Assets% -1.13 0.29 0.43 0.55
Loans and securities impairment charges/ Pre- -13.59 38.10 43.35 167.95
Operating Profit/ Average Equity% -104.47 10.36 20.00 -23.37
Operating Profit/ Average Total Assets% -1.28 0.18 0.25 -0.38
Taxes/ Pre-tax Profit% -2.58 13.74 22.38 16.22
Pre-Impairment Operating Profit / Risk Weighted -6.59 1.20 1.85 2.27
Assets%
Operating Profit / Risk Weighted Assets% -7.49 0.74 1.05 -1.54
Net Income/ Average Total Equity% -194.76 7.91 14.53 -32.23
Net Income/ Average Total Assets% -2.39 0.14 0.18 -0.52
Fitch Comprehensive Income/ Average Total Equity -184.46 -12.14 84.50 -138.94
%
Fitch Comprehensive Income/ Average Total Assets -2.26 -0.21 1.04 -2.24
%
Securitized Assets%
Net Income/ Risk Weighted Assets% -13.96 0.57 0.76 -2.13
Fitch Comprehensive Income/ Risk Weighted -13.22 -0.87 4.42 -9.16
Assets%
Capitalization
Fitch Core Capital/Weighted Risks% -2.65 3.95 3.44 n.a.
Fitch Eligible Capital/ Weighted Risks% -3.79 4.96 4.43 n.a.
Tangible Common Equity/ Tangible Assets% -0.54 0.91 1.21 0.18
Equity/ Total Assets% -0.08 1.68 1.87 0.68
Cash Dividends Paid & Declared/ Net Income% 0.00 0.00 0.00 n.a.
Cash Dividend Paid & Declared/ Fitch 0.00 0.00 0.00 n.a.
Net Income - Cash Dividends/ Total Equity% n.s. 8.36 10.09 -73.45
Loan Quality
Growth of Total Assets% -27.17 -1.89 -11.27 7.68
Growth of Gross Loans% -50.82 -0.35 -3.86 52.73
Impaired Loans less Reserves for Imp Loans/ Equity -135.63 11.10 6.82 -1.24
%
Net Charge-offs/ Average Gross Loans% n.a. n.a. n.a. 0.01
Foreclosed Assets%
Funding
Loans/ Customer Deposits% n.s. 339.81 366.34 363.92
%
Reference Data
Sheet

balance sheet
Average Loans 286,404.4 358,988.6 362,102.4 277,769.0
Average Assets 487,205.4 587,889.2 610,082.8 625,856.8
Average Equity 5,977.0 10,072.4 7,496.6 10,078.6
Maturities
Loans & Advances < 3 months n.a. n.a. n.a. 29,819.0
Loans & Advances 3 - 12 Months n.a. n.a. n.a. n.a.
Loans and Advances 1 - 5 Years n.a. n.a. n.a. n.a.
Loans & Advances > 5 years n.a. n.a. n.a. n.a.

Interbank < 3 Months n.a. n.a. n.a. 43,699.0

Interbank 3 - 12 Months n.a. n.a. n.a. n.a.
Interbank 1 - 5 Years n.a. n.a. n.a. n.a.
Interbank > 5 Years n.a. n.a. n.a. n.a.
Retail Deposits < 3 months n.a. n.a. n.a. n.a.

Retail Deposits 3 - 12 Months n.a. n.a. n.a. n.a.
Retail Deposits 1 - 5 Years n.a. n.a. n.a. n.a.
Retail Deposits > 5 Years n.a. n.a. n.a. n.a.

Interbank < 3 Months n.a. n.a. n.a. n.a.

Net Income -11,641.0 797.0 1,089.0 -3,248.0
Published Net Income -11,641.0 797.0 1,089.0 -3,248.0
Equity -320.0 9,530.0 10,792.0 4,422.0
Add: Pref. Shares and Hybrid Capital accounted for n.a. 1,198.0 1,196.0 1,196.0
as Equity
Published Equity -320.0 n.a. n.a. n.a.

Total Equity as reported (including non-controlling -320.0 9,530.0 10,792.0 4,422.0
interests)
Fair value effect incl in own debt/borrowings at fv 0.0 -303.0 -313.0 -474.0
on the B/S- CC only
Goodwill 1,042.0 1,820.0 1,740.0 1,750.0
Deferred tax assets deduction 708.0 371.0 1,665.0 1,080.0
Net asset value of insurance subsidiaries 0.0 1,023.0 1,709.0 n.a.
securitizations
Fitch Core Capital -2,213.0 5,557.0 4,928.0 n.a.
Eligible weighted Hybrid capital -948.4 1,423.0 1,421.0 1,421.0
Government held Hybrid Capital 0.0 0.0 0.0 0.0
Fitch Eligible Capital -3,161.4 6,980.0 6,349.0 n.a.
Eligible Hybrid Capital Limit -948.4 2,381.6 2,112.0 n.a.

Assets
Total Interest Expense on Customer Deposits 819.0 1,613.0 1,972.0 5,989.0
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a. n.a. n.a.
breakdown)
Income Statement
Total Trading Assets at FV through the Income n.a. n.a. n.a. n.a.
Statement
breakdown)
Total AFS Assets 40,691.0 87,367.0 105,251.0 125,029.0

Total Debt Securities - Equities & Other n.a. n.a. n.a. n.a.
Asset Quality Data

Net Charge-offs
Net Charge-offs n.a. n.a. n.a. 22.0
Reserves
Collective/General Loan Impairment Reserves 543.0 1,308.0 1,477.0 n.a.

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 18,267.0 n.a. n.a. 21,707.0

Retained Earnings n.a. n.a. n.a. -4,196.0
Profit/Loss Reserve/Income for the period net of -11,639.0 n.a. n.a. n.a.
dividends
Treasury Shares 4.0 n.a. n.a. 23.0
Non-controlling Interest 1,698.0 585.0 611.0 472.0
Other Common Equity -2,018.0 8,945.0 10,181.0 3,916.0
Total Common Equity -320.0 9,530.0 10,792.0 17,488.0
Valuation Reserves for AFS Securities in OCI Total -7,895.0 n.a. n.a. -11,875.0
Valuation Reserves for PP&E/Fixed Assets in OCI -1,712.0 n.a. n.a. n.a.
Total Valuation Reserves in OCI -9,607.0 n.a. n.a. -11,875.0
Cash Flow Hedge Reserve n.a. n.a. n.a. -1,156.0
Other OCI Reserves 965.0 n.a. n.a. n.a.
Total OCI Reserves -8,642.0 n.a. n.a. -13,031.0
Total Other Equity Reserves -8,642.0 n.a. n.a. -13,031.0
Hybrid Securities Reported in Equity n.a. 1,198.0 1,196.0 1,196.0
Total Reported Equity including Non-controlling -320.0 10,728.0 11,988.0 5,618.0
Interests
absorbing

Total Dividends Paid and Declared in Period 0.0 0.0 0.0 n.a.
Deferred Tax Assets to be Deducted from Core 708.0 2,153.0 1,665.0 1,080.0
Capital
Hybrid Capital Fitch Class E n.a. 1,423.0 1,421.0 1,421.0
Weighted Total of Fitch Hybrid Capital Classes n.a. 1,423.0 1,421.0 1,421.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 0.0 1,423.0 1,421.0 1,421.0
II
Risk Weighted Assets - Credit Risk 73,507.0 n.a. n.a. n.a.
Risk Weighted Assets - Market Risk 2,047.0 n.a. n.a. n.a.
Risk Weighted Assets - Operational Market Risk 7,821.0 n.a. n.a. n.a.
II
Capital Charge Credit Risk n.a. 128,240.0 n.a. n.a.
Capital Charge Market Risk n.a. 2,945.0 n.a. n.a.
Capital Charge Operational Market Risk n.a. 9,650.0 n.a. n.a.
Capital
deposits
banks

in loans
Number of Employees 14,000 13,664 n.a. n.a.

Total Exposure to Central Bank 2,942.0 n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans n.a. n.a. n.a. 0.01
NCO / Net Inc Bef Ln Lss Prov n.a. n.a. n.a. -1.04
Impaired Loans / Equity n.a. 51.77 40.11 62.91
Unreserved Impaired Loans / Equity n.a. 9.86 6.14 n.a.
Capital
Tier 1 Ratio 7.60 13.10 12.30 10.60
Equity / Tot Assets -0.08 1.89 2.08 0.86
Equity / Net Loans -0.18 3.05 3.39 1.52
Equity / Cust & Short Term Funding -0.17 3.91 3.97 1.35
Equity / Liabilities -0.08 1.94 2.14 0.88
Operations
Oth Op Inc / Avg Assets -1.05 0.22 0.17 0.17
Pre-Tax Op Inc / Avg Assets -1.24 0.18 0.25 0.37
Return On Avg Assets (ROAA) -2.38 0.14 0.18 -0.52
Return On Avg Equity (ROAE) -223.69 7.02 12.37 -29.51
Dividend Pay-Out 0.00 0.00 0.00 n.a.
Inc Net Of Dist / Avg Equity -223.69 7.02 12.37 n.a.
Cost To Income Ratio n.a. 67.86 57.07 52.61
Recurring Earning Power -1.12 0.29 0.43 0.55
Liquidity
Interbank Ratio 41.98 44.28 32.28 27.42
General information
No of outstanding shares (29/10/2012): 1,948,984,474


ISIN number: BE0003796134
Ticker symbol: DEXB
Stock exchange(s) listed: Euronext Brussels

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Munchen
Boerse Stuttgart
Luxembourg Stock Exchange
XETRA
Stock index information: CAC ALL-TRADABLE - FRANCE
IPO date: 11/20/1996
Market price - May 0.16 2.43 3.20 4.03 13.70 21.59 17.33 15.94

Price trends (%)

Price trends - Last week -5.26
BETA
Reference index 1: BEL20
Reference index 2:
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 05/10/2012 Sale of Dexia BIL completed (deal no. 1601306554)
2 02/10/2012 Dexia injects capital in Banque Internationale à Luxembourg
(deal no. 1601399951)
3 28/09/2012 Sberbank Rossii acquires a majority stake in DenizBank (deal
no. 1601307334)
4 28/09/2012 BIL divests majority in Dexia Asset Management (deal no.
1601399948)
5 05/09/2012 Belfius may need to raise fresh capital (deal no. 1601400572)
6 26/03/2012 Gilde acquires Sovitec from Value Enhancement (deal no.
1601356070)
7 03/02/2012 Banco Bilbao Vizcaya Argentaria mulling over Dexia's
subsidiaries (deal no. 1601339945)
8 13/01/2012 Dexia ‘hires advisor for Belgian asset management sale’ (deal
no. 1601332328)
9 12/01/2012 Hony Capital and GCS Capital may acquire Dexia Asset
Management (deal no. 1601332328)
10 21/12/2011 Qatar moving deeper into Benelux private banking (deal no.
1601306554)
11 20/12/2011 Dexia to absorb Dexia LdG Banque from Dexia BIL (deal no.
1601326644)
12 20/12/2011 Dexia to absorb Dexia BIL's stake in Parfipar (deal no.
1601326648)
13 22/11/2011 Banco Popular wants Dexia to exit Popular Banca Privada (deal
no. 1601318727)
14 15/11/2011 Dexia sells Dexia Kommunalkredit Bank Polska (deal no.
1601316889)
15 24/10/2011 Dexia absorbs Dexia Bank Belgium's stake in Dexia Asset
Management (deal no. 1601306591)
16 20/10/2011 Dexia has closed the sale of Dexia Bank Belgium to SFPI (deal
no. 1601305961)
17 18/10/2011 Qatar National Bank ‘mulls Denizbank bid’ (deal no.
1601307334)
18 14/10/2011 Dexia to sell Dexia Bank Denmark to investors from Qatar (deal
no. 1601309076)
19 30/09/2011 MetLife Inc.'s Turkish business acquires a majority stake in
Deniz Emklilik ve Hayat (deal no. 1601158256)
20 04/07/2011 Dexia reduces stake in Cofinimmo (deal no. 1601289511)
21 30/06/2011 Ethias sells its Dexia stake to Ethias Finance (deal no.
1601154557)
22 24/06/2011 Mediacite Shopping cancels its IPO (deal no. 1601278366)
23 31/05/2011 Dexia to sell majority stake in Crediop (deal no. 1601275030)
24 31/03/2011 Penta Investment acquires majority stake in Dexia Banka
Slovensko (deal no. 1601155916)
25 17/02/2011 EC approves acquisition of Popular Gestión by Allianz (deal no.
1601248035)
26 29/09/2010 CDC not considering partnership of Banque Postale and Dexia
(deal no. 1601219473)
27 06/09/2010 Dexia to sell Adinfo stake (deal no. 1601200497)
28 27/06/2010 An undisclosed Indian bank may acquire a controlling stake in
Dexia Israel (deal no. 1601199565)
29 22/06/2010 Elia announces results of rights issue (deal no. 1601198191)
30 18/06/2010 Elia announces results of rights issue (deal no. 1601173420)
31 01/06/2010 Dexia agrees to sell SPE stake (deal no. 1601079260)
32 06/04/2010 Dexia plans capital increase (deal no. 1601174628)
33 09/03/2010 Assured Guaranty commences secondary offering (deal no.
1601167109)
34 24/02/2010 BlackRock announces stake in Dexia (deal no. 1601168912)
35 12/02/2010 Arco considers Dexia sale (deal no. 1601160218)
36 05/02/2010 Dexia to sell holding in Spanish JV co (deal no. 1601158222)
37 03/02/2010 Taminco withdraws IPO (deal no. 1601121228)
38 19/01/2010 Taminco could launch IPO this week: de Tijd (deal no.
1601121228)
39 11/12/2009 Soc Gen acquires Dexia's Crédit du Nord stake (deal no.
1601120424)
40 11/12/2009 Dexia acquires remaining Dexia Crédit Local stake (deal no.
1601143169)
41 09/12/2009 BNP Paribas Assurance to acquire Dexia Epargne Pension (deal
no. 1601110127)
42 22/11/2009 Soc Gen and Dexia merger proposal rumours (deal no.
1601137290)
43 12/11/2009 Dexia may sell public financing division; pressure rises (deal no.
1601134403)
44 24/10/2009 Montea seek approval for capital increase (deal no.
1601127463)
45 06/10/2009 Société Générale sets its sights on Crédit du Nord (deal no.
1601120424)
46 30/09/2009 Holding Communal issues new shares to Dexia; splits share
capital (deal no. 1601120281)
47 15/09/2009 Dexia Epargne Pension ‘is on the line’ (deal no. 1601110127)
48 01/07/2009 Assured Guaranty completes acquisition Financial Security
Assurance (deal no. 1601028643)
49 04/06/2009 Arcofin plans reduction of Dexia stake (deal no. 1601084566)
50 26/03/2009 Alpha Card acquires BCC Corporate (deal no. 1601065227)
Source : Zephyr
Boards & committees

1. Mr. Karel De Boeck - Chairman/Managing Director BoD BC
P129967292 (from 02/08/2012
to 21/05/2016)
2. Mr. Robert Marie Alain De Metz - Chairman of the Board of BoD BC
P046399468 Directors (from 02/08/2012
to 31/12/2014)
- Member of the Accounts OthBC VI
Committee
3. Mr. Jean-Luc Joseph Marie - Chairman of the Board of BoD VI
Dehaene Directors
P014290879 - Chairman of the Appointment RemC, NomC VI
and Compensation Committee
- Chairman of the Strategy OthBC VI
Committee
4. Mr. Gilles Jean Marie Benoist - Independent Director BoD BC, VI
P038952376 (since 1999)
4.
- Chairman of the Accounts OthBC VI

Committee; Chairman of the
Internal Control, Risks and
Compliance Committee
5. Mrs. Isabelle Bouillot - Independent Director BoD VI
P038936344 (since 2009)
6. Mr. Olivier Bourges - Director; Member of the Internal BoD BC, VI
P022552120 Control, Risks and Compliance
Committee (since 2009)
- Member of the Strategic OthBC VI

Committee
7. Mrs. Brigitte Marie Lucie Ghis - Independent Director BoD BC, VI
Chanoine (from 12/05/2010
P011386577 to 31/12/2014)
Committee
8. Mr. Marc Croonen - Director (from 01/01/2011 BoD BC
P044871213 to 01/01/2015)
- Member of the Management ExeB VI
Board
9. Mr. Augustin de Romanet de - Director (since 2007) BoD VI
Beaune - Member, Compensation and RemC, NomC VI
P014145741 Nominations Committee;
Member of the Appointment and
Compensation Committee
- Member of the Strategy OthBC VI
Committee
10. Mr. Stefaan L. G. Decraene - Director (since 2009) BoD VI
P039803061 - Member of the Management ExeB VI
Board
11. Mr. Christian Jean Marie Robert - Independent Director BoD BC, VI
Giacomotto (since 2009)
P045951368 - Member of the Appointment and RemC, NomC VI
12. Mr. Antoine Gosset-Grainville - Director (since 2010) BoD BC, VI
P074055695 - Member of the Accounts OthBC VI
Committee
13. Mr. Bernard Herman - Director (from 01/07/2012 BoD BC
P130339324 to 01/07/2016)
14. Miss Catherine Kopp - Independent Director BoD BC, VI
P038947217 (since 2008)
- Member of the Appointments RemC, NomC VI
and Remunerations Committee;
Member of the Appointment and
15. Mr. Serge Kubla - Director (since 2005) BoD VI
P039810896
16. Mr. Bernard Andre Renelde Lux - Director (from 13/05/2009 BoD BC
P039810898 to 31/12/2013)
17. Mr. Olivier Mareuse - Managing Director BoD BC
P039806812 (from 31/01/2011
to 31/05/2015)
18. Mr. Claude Edgard L.D. Piret - Director (from 09/05/2012 BoD BC
P044167548 to 31/05/2016)
Board
19. Mr. Philippe J. E. Rucheton - Director (from 02/08/2012 BoD BC
to 02/08/2016)
19. - Director (from 02/08/2012 BoD BC
P045753830 to 02/08/2016)
Board
20. Mrs. Francine Julia Emma - Director (since 2007) BoD BC, VI
Swiggers - Member of the Appointment and RemC, NomC VI
P039810900 Compensation Committee
Committee
21. Mr. Bernard Jean Charles Jose - Director (since 2009) BoD BC, VI
Thiry - Member of the Strategy OthBC VI
22. Mr. Marc Celestin Francois Tinant - Director (since 2001) BoD BC, VI
P038978711 Committee; Member of the
23. Mr. Koenraad Hendrik Justine - Director (since 2008) BoD BC, VI
Van Loo - Member of the Strategy OthBC VI
24. Mr. Francis Vermeiren - Director (since 2004) BoD VI
P019948964 - Member of the Appointment and RemC, NomC VI
Committee
25. Mr. Pierre paul fra Mariani - Chairman of the Management ExeB VI
P014605052 Board
Committee
26. Mr. Hakan Ateş - Member of the Management ExeB VI
P039592667 Board
27. Mr. Alain Clot - Member of the Management ExeB VI
P045525515 Board
28. Mr. Alexandre Joly - Member of the Management ExeB VI
P082007863 Board
29. Mr. Pascal Poupelle - Member of the Management ExeB VI
P042185858 Board
30. Mr. André Vanden Camp - Member of the Executive ExeB VI
31. Mr. Olivier Van Herstraeten - Member of the Management ExeB VI
P044196712 Board
Management & staff

1. Mr. Karel De Boeck - Chairman/Managing Director SenMan BC
P129967292 (from 02/08/2012
to 21/05/2016)
2. Mr. Olivier Mareuse - Managing Director SenMan BC
P039806812 (from 31/01/2011
to 31/05/2015)
3. Mr. Pierre paul fra Mariani - Chief Executive Officer SenMan VI
P014605052
4. Mrs. Katia De Tant - Decision-maker SenMan BC
P123873377
5. Mr. Paul Delva - Decision-maker SenMan BC
P123909937
6. Mr. Edouard Du Roy De Blicquy - Decision-maker SenMan BC
P123855859
7. Mr. Jean Fabry - Decision-maker SenMan BC
P123925698
8. Mr. Daniel Vandermeulen - Decision-maker SenMan BC
P123896426
9. Mrs. Dominique Weissman - Decision-maker SenMan BC
P123963519
10. Mr. Philippe J. E. Rucheton - Chief Financial Officer FinAcc VI
P045753830
11. Mr. Stefaan L. G. Decraene - Head of Retail and Commercial Sales VI
P039803061 Banking and Asset Management
and Services
12. Mr. Pascal Poupelle - Head of Public and Wholesale Oper VI
P042185858 Banking
13. Mr. Claude Edgard L.D. Piret - Chief Risk Officer OthDep VI
P044167548
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IFRS IFRS IFRS IFRS

Unqualified Unqualified Audited Audited
31/12/2007 31/12/2006 31/12/2005 01/01/2005
242,619.0 226,502.0 192,402.0 169,547.0

243,856.0 227,801.0 193,828.0 169,547.0
1,237.0 1,299.0 1,426.0 n.a.
342,564.0 329,757.0 300,970.0 219,585.0
54,776.0 78,215.0 70,531.0 43,305.0
29,033.0 24,486.0 30,291.0 28,246.0
258,716.0 187,928.0 199,719.0 147,265.0
39.0 39,128.0 429.0 769.0
585,183.0 556,259.0 493,372.0 389,132.0
2,257.0 2,140.0 1,792.0 1,633.0
17,124.0 8,344.0 13,597.0 13,872.0
604,564.0 566,743.0 508,761.0 404,637.0
305,361.0 284,238.0 232,172.0 174,537.0

120,493.0 109,484.0 97,379.0 87,066.0
178,681.0 174,754.0 134,793.0 87,471.0
6,187.0 n.a. n.a. n.a.
258,358.0 222,775.0 223,101.0 188,653.0
31,159.0 30,728.0 38,618.0 37,143.0
n.a. 578.0 3,813.0 2,069.0
227,199.0 191,469.0 180,670.0 149,441.0
23,098.0 39,827.0 36,468.0 27,450.0
n.a. n.a. n.a. n.a.
1,353.0 1,468.0 1,320.0 1,246.0
16,394.0 18,435.0 15,700.0 12,751.0
604,564.0 566,743.0 508,761.0 404,637.0
1,218.0 1,359.0 1,473.0 n.a.

1,237.0 1,299.0 1,426.0 n.a.
94,022.0 96,965.0 89,630.0 57,076.0
2,524.0 2,246.0 735.0 717.0
n.a. n.a. n.a. n.a.
225.0 225.0 499.0 497.0

4,660.0 4,365.0 4,486.0 4,780.0

31/12/2007 31/12/2006 31/12/2005 01/01/2005
4,673.0 4,081.0 3,779.0 n.a.
2,089.0 2,161.0 1,976.0 n.a.
-184.0 319.0 154.0 n.a.
-12.0 n.a. n.a. n.a.
1,502.0 1,307.0 1,172.0 n.a.

783.0 535.0 650.0 n.a.
3,788.0 3,431.0 3,171.0 n.a.
163.0 124.0 52.0 n.a.
81.0 720.0 163.0 n.a.
2,892.0 3,407.0 2,695.0 n.a.
256.0 569.0 602.0 n.a.
2,636.0 2,838.0 2,093.0 n.a.
6,654.0 6,140.0 5,666.0 n.a.
1,080.0 942.0 770.0 n.a.
9.60 10.30 10.90 n.a.

9.10 9.80 10.30 10.00
15,345.0 13,754.0 12,510.0 n.a.
14,549.0 13,028.0 11,894.0 10,336.0
25.0 n.a. 21.0 n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 01/01/2005
11,205.0 8,432.0 7,197.0 n.a.

14,828.0 11,762.0 8,021.0 n.a.
147.0 152.0 129.0 n.a.
26,180.0 20,346.0 15,347.0 n.a.
4,487.0 2,557.0 2,018.0 n.a.

17,020.0 13,708.0 9,550.0 n.a.
21,507.0 16,265.0 11,568.0 n.a.
4,673.0 4,081.0 3,779.0 n.a.
-184.0 319.0 154.0 n.a.

657.0 316.0 336.0 n.a.
-12.0 n.a. n.a. n.a.
-40.0 178.0 153.0 n.a.

1,502.0 1,307.0 1,172.0 n.a.
58.0 -61.0 72.0 n.a.
1,981.0 2,059.0 1,887.0 n.a.
1,905.0 1,722.0 1,586.0 n.a.
1,883.0 1,709.0 1,585.0 n.a.
3,788.0 3,431.0 3,171.0 n.a.
108.0 102.0 89.0 n.a.

2,974.0 2,811.0 2,584.0 n.a.
163.0 124.0 52.0 n.a.
-27.0 n.a. n.a. n.a.
2,838.0 2,687.0 2,532.0 n.a.
n.a. n.a. n.a. n.a.

n.a. 720.0 n.a. n.a.
7.0 n.a. 3.0 n.a.
33.0 n.a. n.a. n.a.
28.0 n.a. 166.0 n.a.
2,892.0 3,407.0 2,695.0 n.a.
256.0 569.0 602.0 n.a.
n.a. n.a. n.a. n.a.
2,636.0 2,838.0 2,093.0 n.a.
-3,487.0 -623.0 1,002.0 1,594.0

n.a. n.a. n.a. n.a.
-29.0 -118.0 n.a. n.a.
-1.0 1.0 n.a. n.a.
-881.0 2,098.0 3,095.0 1,594.0
103.0 88.0 55.0 n.a.
2,533.0 2,750.0 2,038.0 n.a.
1,080.0 942.0 770.0 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
243,856.0 227,801.0 193,828.0 169,547.0
1,237.0 1,299.0 1,426.0 n.a.
242,619.0 226,502.0 192,402.0 169,547.0
243,856.0 227,801.0 193,828.0 169,547.0
1,218.0 1,359.0 1,473.0 n.a.
n.a. n.a. n.a. n.a.
54,776.0 78,215.0 70,531.0 43,305.0

n.a. n.a. n.a. n.a.
30,411.0 15,385.0 15,655.0 10,054.0
29,033.0 24,486.0 30,291.0 28,246.0
227,444.0 170,283.0 180,069.0 133,916.0
n.a. 2,260.0 3,217.0 3,295.0
861.0 n.a. 778.0 n.a.
n.a. n.a. n.a. n.a.
287,749.0 212,414.0 230,010.0 175,511.0
3,381.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 393.0 n.a.
n.a. 37,354.0 n.a. n.a.
39.0 1,774.0 36.0 769.0
585,183.0 556,259.0 493,372.0 389,132.0
8,835.0 3,365.0 3,444.0 3,717.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,257.0 2,140.0 1,792.0 1,633.0
2,385.0 1,937.0 517.0 717.0
139.0 309.0 218.0 n.a.
n.a. n.a. n.a. n.a.
1,445.0 664.0 602.0 723.0
n.a. n.a. n.a. n.a.
4,320.0 2,069.0 8,816.0 8,715.0
604,564.0 566,743.0 508,761.0 404,637.0
42,724.0 109,484.0 27,413.0 87,066.0

26,845.0 n.a. 26,184.0 n.a.
50,924.0 n.a. 43,782.0 n.a.
120,493.0 109,484.0 97,379.0 87,066.0
178,681.0 174,754.0 134,793.0 87,471.0
n.a. n.a. n.a. n.a.
6,187.0 n.a. n.a. n.a.
305,361.0 284,238.0 232,172.0 174,537.0
222,314.0 186,879.0 175,685.0 144,164.0

4,660.0 4,365.0 4,486.0 4,780.0
n.a. n.a. n.a. n.a.
226,974.0 191,244.0 180,171.0 148,944.0
31,159.0 30,728.0 38,618.0 37,143.0
n.a. 578.0 3,813.0 2,069.0
563,494.0 506,788.0 454,774.0 362,693.0
n.a. n.a. 18,022.0 12,209.0

n.a. n.a. n.a. n.a.
1,353.0 1,468.0 1,320.0 1,246.0
n.a. n.a. 327.0 n.a.
778.0 1,276.0 1,050.0 1,224.0
n.a. 122.0 78.0 n.a.
n.a. 785.0 n.a. n.a.
15,071.0 31,221.0 9,846.0 7,456.0
7,249.0 6,423.0 7,145.0 6,561.0
587,945.0 548,083.0 492,562.0 391,389.0
225.0 225.0 499.0 497.0
1,198.0 1,198.0 700.0 n.a.
16,227.0 14,859.0 10,788.0 10,494.0

556.0 512.0 1,616.0 663.0
-1,514.0 1,973.0 2,596.0 1,594.0
n.a. n.a. n.a. n.a.
-73.0 -107.0 0.0 0.0
15,196.0 17,237.0 15,000.0 12,751.0

604,564.0 566,743.0 508,761.0 404,637.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4.81 4.12 3.99 n.a.

3.86 2.52 2.10 n.a.
4.61 3.95 3.42 n.a.

4.01 3.44 2.74 n.a.
0.82 0.79 0.84 n.a.

0.79 0.77 0.83 n.a.
0.82 0.79 0.84 n.a.

29.77 33.53 33.30 n.a.
56.93 55.88 55.97 n.a.
0.65 0.65 0.68 n.a.
17.31 17.59 18.84 n.a.
0.51 0.53 0.55 n.a.
4.57 4.41 2.01 n.a.
16.52 16.82 18.46 n.a.

0.49 0.51 0.54 n.a.
8.85 16.70 22.34 n.a.
1.87 2.11 2.25 n.a.
1.78 2.01 2.20 n.a.
15.35 17.76 15.26 n.a.

0.45 0.54 0.45 n.a.
-5.13 13.13 22.57 n.a.
-0.15 0.40 0.66 n.a.
n.a. n.a. n.a. n.a.
1.65 2.13 1.82 n.a.

-0.55 1.57 2.69 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
2.10 2.66 2.81 2.98
9.10 9.80 10.30 10.00
9.60 10.30 10.90 n.a.
n.a. n.a. n.a. n.a.
2.51 3.04 2.95 3.15
40.97 33.19 36.79 n.a.
-122.59 44.90 24.88 n.a.
n.a. n.a. n.a. n.a.

10.24 11.00 8.82 n.a.
6.67 11.40 25.73 n.a.

7.05 17.53 14.32 n.a.
0.50 0.60 0.76 n.a.
0.51 0.57 0.74 n.a.
101.56 95.58 96.81 n.a.
-0.13 0.35 0.31 n.a.
0.07 0.06 0.03 n.a.

0.01 n.a. 0.01 n.a.
0.50 0.60 0.76 n.a.
202.38 208.07 199.04 194.73

30.66 44.76 52.33 49.51
22.63 23.00 23.40 26.74
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
604,564.0 566,743.0 508,761.0 404,637.0
159,383.0 133,369.0 115,002.0 n.a.
n.a. n.a. n.a. n.a.
159,383.0 133,369.0 115,002.0 n.a.
233,136.8 204,677.0 180,286.7 n.a.

568,049.8 515,710.7 449,339.3 n.a.
583,248.5 528,088.3 465,606.7 n.a.
n.a. n.a. n.a. n.a.
536,978.8 472,398.0 422,708.0 n.a.
15,383.5 12,378.3 12,003.7 n.a.
17,176.5 15,979.0 13,712.7 n.a.
116,214.8 101,533.7 95,904.3 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,660.0 4,365.0 4,486.0 4,780.0
n.a. n.a. n.a. n.a.
2,636.0 2,838.0 2,093.0 n.a.

n.a. n.a. n.a. n.a.
2,636.0 n.a. n.a. n.a.
15,196.0 17,237.0 15,000.0 12,751.0

1,198.0 1,198.0 700.0 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
15,196.0 17,237.0 15,000.0 12,751.0
n.a. n.a. 18,022.0 12,209.0
115.0 426.0 433.0 224.0

2,385.0 1,937.0 517.0 717.0
139.0 309.0 218.0 n.a.
667.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

1,423.0 1,423.0 700.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
11,205.0 8,432.0 7,197.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,487.0 2,557.0 2,018.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,381.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

27,030.0 15,385.0 15,655.0 10,054.0
30,411.0 15,385.0 15,655.0 10,054.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
227,444.0 170,283.0 180,069.0 133,916.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 2,260.0 3,217.0 3,295.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
27,030.0 15,385.0 15,655.0 10,054.0
n.a. n.a. 23.0 n.a.

n.a. n.a. 2.0 n.a.
25.0 n.a. 21.0 n.a.
n.a. 357.0 408.0 n.a.

818.0 942.0 1,018.0 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
15,706.0 15,467.0 13,325.0 13,818.0
n.a. n.a. n.a. n.a.

582.0 -1,033.0 -2,181.0 -2,740.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

176.0 1.0 356.0 584.0
639.0 906.0 1,616.0 663.0
14,640.0 16,725.0 13,384.0 12,088.0
16,112.0 14,433.0 10,788.0 10,494.0
-1,514.0 1,973.0 2,596.0 1,594.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-1,514.0 1,973.0 2,596.0 1,594.0
74.0 10.0 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-1,440.0 1,983.0 2,596.0 1,594.0
n.a. n.a. n.a. n.a.
-1,440.0 1,983.0 2,596.0 1,594.0
1,198.0 1,198.0 700.0 n.a.
16,394.0 18,435.0 15,700.0 12,751.0
115.0 426.0 433.0 224.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

1,080.0 942.0 770.0 n.a.
1,080.0 942.0 770.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,423.0 1,423.0 700.0 n.a.
1,423.0 1,423.0 700.0 n.a.
1,423.0 1,423.0 700.0 n.a.
14,549.0 13,028.0 11,894.0 10,336.0

15,345.0 13,754.0 12,510.0 n.a.
9.10 9.80 10.30 10.00
9.60 10.30 10.90 n.a.
159,383.0 133,369.0 115,002.0 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,566.0 3,457.0 n.a. n.a.
287,749.0 212,414.0 230,010.0 175,511.0

n.a. n.a. n.a. n.a.
287,749.0 212,414.0 230,010.0 175,511.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
9.10 9.80 10.30 10.00
n.a. n.a. n.a. n.a.
9.60 10.30 10.90 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
694.0 619.0 3,444.0 3,717.0
n.a. n.a. n.a. n.a.
n.a. 2,133.0 528.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 01/01/2005
0.51 0.57 0.74 n.a.

3.49 3.04 1.38 n.a.
101.56 95.59 96.81 n.a.
0.50 0.60 0.76 n.a.
0.01 n.a. 0.01 n.a.
0.89 n.a. 0.98 n.a.
7.43 7.37 9.38 n.a.
n.a. 0.33 0.30 n.a.
9.10 9.80 10.30 10.00

9.60 10.30 10.90 n.a.
2.71 3.25 3.09 3.15
6.76 8.14 8.16 7.52
5.37 6.49 6.76 7.31
2.81 3.39 3.22 3.30
3.52 4.06 4.07 4.46
8.77 10.17 10.75 10.63
6.97 8.10 8.91 10.33
3.65 4.24 4.24 4.66
21.90 18.96 21.69 26.51
0.82 0.78 0.86 n.a.

0.80 0.76 0.83 n.a.
0.36 0.40 0.43 n.a.
0.68 0.66 0.71 n.a.
0.48 0.50 0.55 n.a.
-0.03 0.03 -0.10 n.a.
0.45 0.53 0.46 n.a.
15.14 16.63 14.71 n.a.
40.97 33.19 36.79 n.a.
8.94 11.11 9.30 n.a.
3.07 25.37 7.79 n.a.
56.02 54.97 55.10 n.a.
0.51 0.52 0.57 n.a.
30.66 44.76 52.33 49.51

40.13 39.97 37.82 41.90
79.45 79.69 82.87 97.14
43.42 45.08 42.73 47.37
30.79 34.11 38.61 32.70
16.83 19.30 19.91 15.95
2005
15.50
16.22
16.59
16.09
15.94
16.47
16.86
15.97
16.94
16.30
16.74
17.62
KBC Bank NV
1080 BRUSSELS BvD ID number BE0462920226

BELGIUM Index number 46905
Status Active
The GUO of this controlled subsidiary is KBC GROEP NV/ KBC GROUPE SA-KBC GROUP
Contact details
HAVENLAAN 2 Phone number 32 (2) 429 71 11

Fax number 32 (2) 429 81 31
1080 BRUSSELS Web Site Address www.kbc.be
BELGIUM
Bank History :
Established on June 4, 1998 through the merger between CERA Bank, Kredietbank KB and Bank van Roeselare N.V.. On
June 26, 1998 KBC Bank NV absorbed CERA Investment Bank NV. In April 2004, absorbed KBC Financial Products
Brussels NV. On May 1, 2009 absorbed KBC Bank Nederland NV.
Accounting Standards International Financial Nickname KBCBANKI
Name of the Auditor Ernst & Young Model ALLBANKS
Bedrijfsrevisoren BCV
available

No of recorded 2
shareholders World rank, 2011 96
subsidiaries
Peer Group

Size 1,150
information.
Country ratings (BELGIUM, as at 30/10/2012)
information.
Global summary

Unqualified Unqualified Unqualified Audit n.a.
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 136,321.0 144,065.0 146,294.0 156,163.0
Gross Loans 141,457.0 148,975.0 150,127.0 158,984.0
Derivatives 18,306.0 16,588.0 21,627.0 39,114.0
Fixed Assets 2,357.0 2,358.0 2,382.0 2,482.0
Total Assets 241,076.0 276,723.0 281,614.0 318,550.0

Derivatives 23,267.0 23,387.0 1,022.0 40,230.0
Trading Liabilities 497.0 1,811.0 29,613.0 n.a.
Other Reserves 852.0 554.0 n.a. 528.0
Equity 12,093.0 14,143.0 13,018.0 12,338.0
Notes
Hybrid Capital (Memo) 2,110.0 2,103.0 2,347.0 3,955.0

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Other Operating Income 1,084.0 1,715.0 61.0 -304.0
Net Gains (Losses) on Trading and Derivatives -290.0 288.0 -2,137.0 -4,124.0
Net Gains (Losses) on Assets at FV through Income -441.0 -351.0 174.0 1,653.0
Statement
Remaining Operating Income 250.0 140.0 479.0 398.0
Overheads 3,709.0 3,862.0 4,241.0 4,443.0
Other -110.0 13.0 -1,664.0 -143.0
Profit before Tax 699.0 1,445.0 -2,745.0 -1,499.0
Tax 216.0 -88.0 -237.0 -216.0
Net Income 483.0 1,533.0 -2,508.0 -1,283.0
Dividend Paid 120.0 2,122.0 0.0 889.0

Tier 1 Ratio 11.60 12.40 10.92 9.60
Total Capital n.a. 18,552.0 17,761.0 17,941.0
Tier 1 Capital n.a. 13,809.0 13,440.0 12,998.0
Net-Charge Offs 642.0 391.0 475.0 251.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 33.0 51.0 80.0 131.0
Interest Expense on Customer Deposits n.a. n.a. n.a. n.a.

Net Gains (Losses) on Trading and Derivatives -290.0 288.0 -2,137.0 -4,124.0
Net Gains (Losses) on Other Securities 85.0 45.0 174.0 -11.0
Net Gains (Losses) on Assets at FV through Income -441.0 -351.0 174.0 1,653.0
Statement
Total Non-Interest Operating Income 1,136.0 1,769.0 72.0 -306.0
Equity-accounted Profit/ Loss - Operating -52.0 -54.0 -11.0 2.0

Pre-Impairment Operating Profit 2,140.0 2,917.0 820.0 -596.0
Securities and Other Credit Impairment Charges 247.0 66.0 84.0 629.0
Operating Profit 562.0 1,366.0 -1,165.0 -1,985.0

Non-recurring Income 68.0 111.0 n.a. 134.0
Non-recurring Expense 81.0 85.0 1,580.0 19.0
Change in Fair Value of Own Debt 484.0 53.0 n.a. 371.0
Other Non-operating Income and Expenses -334.0 n.a. n.a. n.a.
Pre-tax Profit 699.0 1,445.0 -2,745.0 -1,499.0
Tax expense 216.0 -88.0 -237.0 -216.0
Profit/Loss from Discontinued Operations n.a. n.a. n.a. 0.0
Net Income 483.0 1,533.0 -2,508.0 -1,283.0

Currency Translation Differences -126.0 76.0 -140.0 -220.0
Remaining OCI Gains/(losses) -162.0 -70.0 n.a. n.a.
Fitch Comprehensive Income 156.0 1,174.0 -1,808.0 -2,314.0
Memo: Profit Allocation to Non-controlling Interests 136.0 139.0 -17.0 238.0
Memo: Net Income after Allocation to Non- 347.0 1,394.0 -2,491.0 -1,521.0
Memo: Common Dividends Relating to the Period 120.0 2,122.0 0.0 889.0
Balance Sheet
Assets
Loans
Other Loans 84,339.0 87,919.0 93,804.0 103,830.0
Net Loans 136,321.0 144,065.0 146,294.0 156,163.0
Gross Loans 141,457.0 148,975.0 150,127.0 158,984.0
Reverse Repos and Cash Collateral 9,248.0 n.a. n.a. n.a.
Derivatives 18,306.0 16,588.0 21,627.0 39,114.0
Memo: Government Securities included Above n.a. n.a. 54,253.0 47,064.0
Investments in Property 552.0 457.0 461.0 467.0
Other Earning Assets n.a. n.a. 253.0 n.a.
Non-earning Assets
Fixed Assets 2,357.0 2,358.0 2,382.0 2,482.0
Goodwill 1,449.0 1,611.0 1,664.0 2,127.0
Deferred Tax Assets 2,284.0 2,235.0 1,597.0 1,566.0
Discontinued Operations 3.0 54.0 71.0 625.0
Other Assets 1,801.0 2,024.0 1,782.0 1,656.0
Total Assets 241,076.0 276,723.0 281,614.0 318,550.0
Repos and Cash Collateral 23,817.0 23,610.0 n.a. n.a.
Funding
Other Funding 3,685.0 3,457.0 2,510.0 n.a.
Derivatives 23,267.0 23,387.0 1,022.0 40,230.0
Trading Liabilities 497.0 1,811.0 29,613.0 n.a.
Total Funding 222,904.0 256,474.0 262,245.0 288,354.0
Reserves for Pensions and Other 852.0 554.0 n.a. 528.0
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 2,110.0 2,103.0 2,347.0 3,955.0
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. n.a. n.a. n.a.
Equity
Equity
Common Equity 12,533.0 14,304.0 12,909.0 12,146.0
Non-controlling Interest 975.0 950.0 849.0 1,610.0
Foreign Exchange Revaluation Reserves -390.0 -279.0 -349.0 n.a.
Fixed Asset Revaluations and Other Accumulated -612.0 -446.0 -374.0 -561.0
OCI
Total Equity 12,093.0 14,143.0 13,018.0 12,338.0
Summary Analytics
Interest Ratios
Interest Expense on Customer Deposits/ Average n.a. n.a. n.a. n.a.
Customer Deposits%
Liabilities%
Earning Assets%
Non-Interest Income/ Gross Revenues% 19.25 25.89 1.42 -7.96
Pre-impairment Op. Profit/ Average Equity% 15.71 22.63 7.50 -4.73
Pre-impairment Op. Profit/ Average Total Assets% 0.82 1.01 0.27 -0.19
Loans and securities impairment charges/ Pre- 73.74 53.17 242.07 -233.05
Operating Profit/ Average Equity% 4.13 10.60 -10.66 -15.76
Operating Profit/ Average Total Assets% 0.21 0.47 -0.39 -0.62
Taxes/ Pre-tax Profit% 30.90 -6.09 8.63 14.41
Pre-Impairment Operating Profit / Risk Weighted 2.01 2.61 0.67 -0.44
Assets%
Operating Profit / Risk Weighted Assets% 0.53 1.22 -0.95 -1.46
Net Income/ Average Total Equity% 3.55 11.89 -22.94 -10.19
Net Income/ Average Total Assets% 0.18 0.53 -0.83 -0.40
Fitch Comprehensive Income/ Average Total Equity 1.15 9.11 -16.54 -18.37
%
Fitch Comprehensive Income/ Average Total Assets 0.06 0.41 -0.60 -0.72
%
Securitized Assets%
Net Income/ Risk Weighted Assets% 0.45 1.37 -2.04 -0.95
Fitch Comprehensive Income/ Risk Weighted Assets 0.15 1.05 -1.47 -1.71
%
Capitalization
Cash Dividends Paid & Declared/ Net Income% 24.84 138.42 0.00 -69.29
Cash Dividend Paid & Declared/ Fitch Comprehensive 76.92 180.75 0.00 -38.42
Income%
Net Income - Cash Dividends/ Total Equity% 3.00 -4.16 -19.27 -17.60
Loan Quality
%
Net Charge-offs/ Average Gross Loans% 0.44 0.26 0.31 0.16
Foreclosed Assets%
Funding
Customer Deposits/ Total Funding excl Derivatives% 61.73 60.26 53.84 58.02
Reference Data
Sheet

balance sheet
Average Loans 144,580.3 149,965.7 155,585.3 157,699.3
Average Assets 262,105.3 287,739.3 301,244.7 319,243.7
Average Equity 13,621.7 12,892.7 10,933.3 12,595.0
Maturities
Loans & Advances < 3 months n.a. n.a. n.a. n.a.





Net Income 483.0 1,533.0 -2,508.0 -1,283.0
Published Net Income 483.0 1,533.0 -2,508.0 -1,283.0
Equity 12,093.0 14,143.0 13,018.0 12,338.0
Add: Pref. Shares and Hybrid Capital accounted for n.a. n.a. n.a. n.a.
as Equity
Published Equity n.a. n.a. n.a. n.a.

interests)
Fair value effect incl in own debt/borrowings at fv on -550.0 -190.0 -151.0 n.a.
the B/S- CC only
Goodwill 1,449.0 1,611.0 1,664.0 2,127.0
Net asset value of insurance subsidiaries 0.0 0.0 0.0 n.a.
securitizations
Eligible weighted Hybrid capital 0.0 1,680.8 1,860.8 1,856.3
Government held Hybrid Capital 0.0 0.0 0.0 n.a.
Memo: Interest Income on Impaired Financial Assets n.a. n.a. n.a. n.a.

Total Interest Expense on Customer Deposits n.a. n.a. n.a. n.a.
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a. n.a. 16,195.0
breakdown)
Trading Assets - Equities n.a. n.a. n.a. 5,494.0
Income Statement
Trading Assets - Other n.a. n.a. n.a. 397.0
Statement
breakdown)
AFS Assets - Equities n.a. n.a. n.a. 1,024.0
AFS Assets - Other n.a. n.a. n.a. 842.0
Total AFS Assets 24,295.0 34,690.0 32,878.0 39,081.0
HTM - Government n.a. n.a. n.a. 7,676.0

Asset Quality Data

Net Charge-offs
Net Charge-offs 642.0 391.0 475.0 251.0
Reserves
Collective/General Loan Impairment Reserves 352.0 325.0 n.a. 262.0
Individual/Specific Loan Impairment Reserves 4,783.0 4,585.0 n.a. 2,559.0

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital n.a. n.a. n.a. 8,188.0

Retained Earnings n.a. n.a. n.a. 3,957.0
dividends
Treasury Shares n.a. n.a. n.a. 0.0
Non-controlling Interest 975.0 950.0 849.0 1,610.0
Valuation Reserves for AFS Securities in OCI Total n.a. n.a. -17.0 -857.0
Total Valuation Reserves in OCI n.a. n.a. -17.0 -857.0
Cash Flow Hedge Reserve n.a. n.a. -374.0 -352.0
Other OCI Reserves n.a. n.a. n.a. -209.0
Total OCI Reserves n.a. n.a. -391.0 -1,418.0
Total Other Equity Reserves n.a. n.a. -391.0 -1,418.0
Hybrid Securities Reported in Equity n.a. n.a. n.a. n.a.
Interests
absorbing

Total Dividends Related to Period n.a. n.a. n.a. 0.0
Total Dividends Paid and Declared in Period 120.0 2,122.0 0.0 889.0
Capital
Hybrid Capital Fitch Class D n.a. 1,689.0 1,945.0 2,475.0
Hybrid Capital Fitch Class E n.a. 414.0 402.0 n.a.
Weighted Total of Fitch Hybrid Capital Classes n.a. 1,680.8 1,860.8 1,856.3
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 0.0 1,680.8 1,860.8 1,856.3
Regulatory Tier 1 Capital n.a. 13,809.0 13,440.0 12,998.0
Total Regulatory Capital n.a. 18,552.0 17,761.0 17,941.0
Risk Weighted Assets including floor/cap per Basel II 106,256.0 111,711.0 123,074.0 135,557.0

II
Equity Investments deducted from Regulatory n.a. n.a. n.a. 394.0
Capital
deposits
banks

Average Reverse repurchase agreements included in n.a. n.a. n.a. n.a.
loans
Number of Employees n.a. n.a. n.a. 43,784

Total Exposure to Central Bank n.a. n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans 0.44 0.26 0.31 0.16
NCO / Net Inc Bef Ln Lss Prov 35.39 12.96 -78.25 -47.99
Capital
Tier 1 Ratio 11.60 12.40 10.92 9.60
Equity / Net Loans 8.87 9.82 8.90 7.90
Operations
Oth Op Inc / Avg Assets 0.42 0.61 0.02 -0.10
Pre-Tax Op Inc / Avg Assets 0.31 0.51 -0.36 -0.43
Non Op Items & Taxes / Avg Ast -0.13 0.04 -0.48 0.02
Return On Avg Assets (ROAA) 0.19 0.55 -0.84 -0.41
Return On Avg Equity (ROAE) 3.68 11.29 -19.78 -10.16
Dividend Pay-Out 24.85 138.42 0.00 -69.29
Inc Net Of Dist / Avg Equity 2.77 -4.34 -19.78 -17.19
Non Op Items / Net Income -22.77 0.85 66.35 11.15
Recurring Earning Power 0.83 1.05 0.27 -0.19
Liquidity
Interbank Ratio 40.88 29.67 31.64 59.10
There is no security & price information for this bank.
Date News
1 19/09/2012 KBC Lease Deutschland in MBO (deal no. 1601404444)
2 07/02/2012 Pescanova in convertible bonds offer (deal no. 1601341406)
3 09/11/2011 Industrial and Commercial Bank of China will not acquire
Antwerp Diamond Bank (deal no. 1601315614)
5 21/10/2011 ChinaVision Media to acquire China Entertainment Media via RTO

(deal no. 1633050643)
6 09/12/2010 SRE Investment Holding to further invest in SRE Group (deal no.
1633016631)
7 09/11/2010 Gielda Papierow Wartosciowych begins trading its shares (deal
no. 1601054878)
8 23/06/2010 Cibank completes capital increase (deal no. 1601195739)
9 29/03/2010 Piper Private Equity backs Weird Fish MBO (deal no.
1601173671)
10 19/03/2010 CITIC Pacific and Hebei Zhongfu may dispose Shijiazhuang Iron
to Hebei Zhongfu (deal no. 1603054942)
11 15/03/2010 Ablynx completes rights issue (deal no. 1601167175)
12 27/01/2010 KIT Digital completes a share placement (deal no. 1601154628)
13 21/01/2010 Sinopower to acquire Gao Feng from SRE Investment (deal no.
1603049137)
14 18/01/2010 KBC is planning to cancel sale of CSOB (deal no. 1601151857)
15 14/12/2009 KBC has acquired the remaining stake in Ceskoslovenská
Obchodná Banka (deal no. 1601144167)
16 10/12/2009 TiGenix completes private placement (deal no. 1601131436)
17 09/12/2009 Kredyt Bank to sell Zagiel (deal no. 1601110570)
18 05/11/2009 TiGenix mulls capital hike: report (deal no. 1601131436)
19 03/11/2009 ASM increases convertible bond value (deal no. 1601130440)
20 31/10/2009 Swire Pacific acquires shares in HAECO from Cathay Pacific
Airways (deal no. 1603035597)
21 30/09/2009 UCB raises value of convertible bond issue (deal no.
1601118319)
22 01/09/2009 Regenersis acquires Total Repair Solutions (deal no.
1601101291)
23 13/08/2009 Valley Green Technology buys L & M Group Investments Ltd's
sale entities (deal no. 1603007034)
24 04/06/2009 Cegedel has been delisted (deal no. 623467)
25 26/03/2009 Equation Corp completes rights issue (deal no. 1603011533)
26 26/03/2009 Alpha Card acquires BCC Corporate (deal no. 1601065227)
27 16/03/2009 Johnson Controls completes public offering of Convertible Senior
Notes (deal no. 1601058750)
28 16/03/2009 Johnson Controls completes public offering of equity units (deal
no. 1601058768)
29 10/03/2009 Johnson Controls makes call for cash (deal no. 1601058750)
30 31/12/2008 KBC Bank completes takeover of SIBANK (deal no. 585266)
31 16/12/2008 GIMV sells stake in Sfinc (deal no. 1601037582)
32 01/12/2008 Imtech acquires NVS (deal no. 1601028452)
33 31/10/2008 MBO team acquires Sobeltec (deal no. 1601033319)
34 30/10/2008 HG Metal acquires majority stake in BRC Asia (deal no.
1603001814)
35 30/10/2008 KLW Holdings Ltd holds rights issue with warrants (deal no.
1603000702)
36 23/10/2008 Management buys out Liberty Printers (deal no. 1601068029)
37 24/09/2008 Tri-Wall postpones IPO (deal no. 1601018992)
38 18/09/2008 HG Metal acquires stake in BRC Asia (deal no. 1603001812)
39 23/05/2008 E-Capital looks to tie up Gevaert Bandweverij exit (deal no.
329035)
40 22/05/2008 Atrium Innovations completes sale of its actives and chemicals
division (deal no. 606524)
41 25/04/2008 Ideaxis in MBO. (deal no. 637407)
42 01/04/2008 Fortis Recruitment Group Ltd has acquired Westaff UK. (deal no.
630585)
43 11/02/2008 Kinetic Engineering issues FCCBs. (deal no. 632925)
44 17/12/2007 Patron Capital invests in Equidebt Holdings (deal no. 615440)
45 17/12/2007 Patron Capital invests in Equidebt Holdings (deal no. 615444)
46 11/12/2007 Hansen Transmissions starts trading on London Stock Exchange.
(deal no. 581445)
47 10/12/2007 Prime Focus completes FCCB placement (deal no. 617271)
48 14/11/2007 EMS Energy Ltd to hold rights issue (deal no. 1000011346)
49 12/11/2007 Pinguin NV completes capital increase. (deal no. 551844)
50 05/11/2007 Top Global to carry out rights issue (deal no. 1000011099)
Source : Zephyr
Boards & committees

1. Mr. Jan Helena Jose Huyghebaert - Chairman; Non-Executive BoD VI
Director
P014292440
2. Mr. Thomas Andre Leysen - Chairman of the Board of BoD BC, VI
P038936341 Directors; Non-Executive Director
(from 01/09/2011
to 30/04/2015)
3. Mr. Alain Joseph Andre Bostoen - Director (from 25/04/2012 BoD BC
P039627002 to 28/04/2016)
4. Mrs. Sonia Marie De Becker - Non-Executive Director BoD VI
P044525731
5. Drs. Jan Maarten de Jong - Independent Director BoD VI
P014138574
6. Mr. Danny De Raymaeker - Executive Director BoD BC, VI
P039821825 (from 25/04/2012
to 28/04/2016)
- Member, Executive Committee OthBC VI
7. Mr. Julien De Wilde - Independent Director BoD BC, VI
P048641991 (from 28/04/2010
to 24/04/2014)
8. Mr. Jean Pierre Jacques Paul - Independent Director BoD VI
Depaemelaere
P038938260
9. Mr. Franky Cyriel Depickere - Non-Executive Director BoD BC, VI
P028032108 (from 27/04/2011
to 30/04/2015)
- Member, Risk Committee OthBC VI
10. Mr. Luc Discry - Non-Executive Director BoD BC, VI
P044179772 (from 02/09/2010
to 24/04/2014)
10.

11. Mr. Frank Cornelius Donck - Director (from 25/04/2012 BoD BC
P038943019 to 28/04/2016)
12. Mr. Daniel Falque - Managing Director BoD BC
P039822870 (from 25/04/2012
to 28/04/2016)
13. Mr. Lucien Leon Sylvain Ghisl - Managing Director BoD BC
Gijsens (from 25/04/2012
P044784603 to 30/04/2015)
14. Mr. John Arthur Hollows - Executive Director BoD BC, VI
P039820520 (from 25/04/2012
to 24/04/2018)
15. Mr. Pierre Paul Joseph Albert - Non-Executive Director BoD VI
Konings
P123608703
16. Mr. Lode Morlion - Director (from 25/04/2012 BoD BC
P039796620 to 28/04/2016)
17. Mr. Walter Nonneman - Non-Executive Director BoD VI
P129657080
18. Mrs. Marita Orlent-Heyvaert - Non-Executive Director BoD VI
P039811330
19. Mr. Luc Karel Philips - Executive Director BoD VI
P007228636 - Member, Executive Committee OthBC VI
20. Mr. Luc Roger Popelier - Executive Director BoD BC, VI
P058891706 (from 25/04/2012
to 24/04/2018)
21. Mr. Θεόδωρος Ρούσσης - Director (from 25/04/2012 BoD BC
P006533475 to 28/04/2016)
22. Mr. Gustaaf Sap - Non-Executive Director BoD VI
P129657081
23. Mr. Johan Thijs - Executive Director BoD BC, VI
P039790437 (from 25/04/2012
to 24/04/2018)
24. Mr. Alain Pierre Marie Ghisla - Director (from 25/04/2012 BoD BC
Tytgadt to 28/04/2016)
P038937208
25. Mr. Rudolf Van Den Brink - Director (from 01/07/2012 BoD BC
P130553003 to 30/06/2018)
26. Mrs. Ghislaine Van Kerckhove - Director (from 25/04/2012 BoD BC
P039796624 to 28/04/2016)
27. Mr. Guido Van Oevelen - Non-Executive Director BoD VI
P044629011 (since 02/09/2010)
28. Mr. Patrick Roland Gommar Zen - Non-Executive Director BoD VI
Vanden Avenne - Member, Audit Committee AudC VI
P038937090 - Member, Risk Committee OthBC VI
29. Mr. Jan Oscar Cyriel Vanhevel - Executive Director BoD VI
P039811176 - President, Executive Committee ExeB VI
30. Mr. Pieter Nicolas Oscar Hono - Director (from 27/04/2011 BoD BC
Vanthemsche to 30/04/2015)
P044477061
31. Mr. Philippe Marie Therese Gh - Director (from 25/04/2012 BoD BC
Vlerick to 28/04/2016)
P011032891
32. Mr. Marko Voljč - Managing Director BoD BC
P039820523 (from 25/04/2012
to 24/04/2018)
32.

33. Mr. Dirk Wauters - Non-Executive Director BoD VI
P039811333
34. Mr. Marc Joost Emiel Wittemans - Non-Executive Director BoD BC, VI
P014292453 (from 28/04/2010
to 24/04/2014)
Management & staff

1. Mr. Danny De Raymaeker - Executive Director SenMan BC, VI
P039821825 (from 25/04/2012
to 28/04/2016)
2. Mr. Daniel Falque - Managing Director SenMan BC
P039822870 (from 25/04/2012
to 28/04/2016)
3. Mr. Lucien Leon Sylvain Ghisl - Managing Director SenMan BC
Gijsens (from 25/04/2012
P044784603 to 30/04/2015)
4. Mr. John Arthur Hollows - Executive Director SenMan BC, VI
P039820520 (from 25/04/2012
to 24/04/2018)
5. Mr. Luc Roger Popelier - Executive Director SenMan BC, VI
P058891706 (from 25/04/2012
to 24/04/2018)
- CEO of the Merchant Banking Oper VI
Business Unit (market activities)
6. Mr. Johan Thijs - Executive Director SenMan BC, VI
P039790437 (from 25/04/2012
to 24/04/2018)
- CEO of the Belgium Business Unit Oper VI
7. Mr. Jan Oscar Cyriel Vanhevel - Chief Executive Officer SenMan VI
P039811176
8. Mr. Marko Voljč - Managing Director SenMan BC
P039820523 (from 25/04/2012
to 24/04/2018)
- CEO of the Central & Eastern Oper VI
Europe Business Unit
9. Mr. Guido Apers - Decision-maker SenMan BC
P123994326
10. Mrs. Marie-Christina Apers - Decision-maker SenMan BC
P123994316
11. Mr. Danny Baert - Decision-maker SenMan BC
P123993927
12. Mrs. Dorine Bauwens - Decision-maker SenMan BC
P123953098
13. Mrs. Hanne Bax - Decision-maker SenMan BC
P123994353
14. Mr. Willy Beerlandt - Decision-maker SenMan BC
P123994323
15. Mr. Hubert Benoot - Decision-maker SenMan BC
P123872147
16. Mr. Sander Bernaert - Decision-maker SenMan BC
P123994946
17. Mrs. Sofie Bicke - Decision-maker SenMan BC
P123994352
18. Mr. Harry Rene Bleyens - Decision-maker SenMan BC
18.
P123843882
19. Mrs. Milena Bogaerts - Decision-maker SenMan BC
P123994355
20. Mrs. Claudia Bollaert - Decision-maker SenMan BC
P123994338
21. Mr. Wim Boon - Decision-maker SenMan BC
P123867068
22. Mr. Patrick Brantegem - Decision-maker SenMan BC
P123993911
23. Mrs. Karin Brys - Decision-maker SenMan BC
P123994299
24. Mrs. Bianca Carlier - Decision-maker SenMan BC
P123993957
25. Mr. Wouter Casteels - Decision-maker SenMan BC
P123953129
26. Mrs. Laura Casteels - Decision-maker SenMan BC
P123993958
27. Mrs. Celine Castelli - Decision-maker SenMan BC
P123994308
28. Mrs. Sandrina Ceuninck - Decision-maker SenMan BC
P123994356
29. Mr. Koen Cleymans - Decision-maker SenMan BC
P123994321
30. Mrs. Nele Clinckemaillie - Decision-maker SenMan BC
P123994307
31. Mr. Borris Coenen - Decision-maker SenMan BC
P123994351
32. Mrs. Martine Colpaert - Decision-maker SenMan BC
P123994343
33. Mr. Walter Daems - Decision-maker SenMan BC
P123872947
34. Mr. Dimitri Danckaert - Decision-maker SenMan BC
P123993954
35. Mrs. Marina Das - Decision-maker SenMan BC
P123905626
36. Mrs. Leontine De Backer - Decision-maker SenMan BC
P123993951
37. Mrs. Liliane De Baerdemaeker - Decision-maker SenMan BC
P123994350
38. Mrs. Gerda De Boeck - Decision-maker SenMan BC
P123994270
39. Mrs. Tanja De Caluwe - Decision-maker SenMan BC
P123994275
40. Mrs. Stephanie De Clercq - Decision-maker SenMan BC
P123954165
41. Mr. Jelle De Coninck - Decision-maker SenMan BC
P123994279
42. Mrs. Magda De Jonge - Decision-maker SenMan BC
P123994262
43. Mr. Stefaan De Keyser - Decision-maker SenMan BC
P123994278
44. Mr. Kristiaan De Laet - Decision-maker SenMan BC
P123948913
45. Mrs. Anja De Meerleer - Decision-maker SenMan BC
P123994358
46. Mrs. Annick De Meester - Decision-maker SenMan BC
P123993959
47. Mrs. Regine De Pauw - Decision-maker SenMan BC
P123994294
48. Mr. Patrick De Rechter - Decision-maker SenMan BC
P123994357
49. Mr. Erik De Rick - Decision-maker SenMan BC
P123994263
50. Mrs. Els De Saveur - Decision-maker SenMan BC
P123994339
51. Mr. Robby De Schutter - Decision-maker SenMan BC
P123994314
52. Mrs. Cindy De Vos - Decision-maker SenMan BC
P123994313
53. Mrs. Pascale De Vos - Decision-maker SenMan BC
P123994312
54. Mr. Thomas Debacker - Decision-maker SenMan BC
P123520089
55. Mrs. Katleen Debrucker - Decision-maker SenMan BC
P123994271
56. Mr. Geert Deceuninck - Decision-maker SenMan BC
P123994305
57. Mr. Kurt Degruytere - Decision-maker SenMan BC
P123994304
58. Mr. Gert Dekeyser - Decision-maker SenMan BC
P123960438
59. Mr. Marc Deleu - Decision-maker SenMan BC
P123920458
60. Mr. Johan Derluyn - Decision-maker SenMan BC
P123834437
61. Mr. Wim Deschout - Decision-maker SenMan BC
P123994296
62. Mr. Francis Devolder - Decision-maker SenMan BC
P123994302
63. Mr. Philippe Devos - Decision-maker SenMan BC
P129665491
64. Mr. Kobe Dewaele - Decision-maker SenMan BC
P123994309
65. Mrs. Godelieve Duymelinck - Decision-maker SenMan BC
P123994325
66. Mr. Sanae El Guennouni - Decision-maker SenMan BC
P123993945
67. Mrs. Helen Ennekens - Decision-maker SenMan BC
P123994311
68. Mr. Luc Feyens - Decision-maker SenMan BC
P123994264
69. Mrs. Floortje Firlefin - Decision-maker SenMan BC
P123994333
70. Mrs. Andrea Frulleux - Decision-maker SenMan BC
P123994341
71. Mrs. Isabelle Geeraert - Decision-maker SenMan BC
P123994345
72. Mrs. Stephanie Geeraert - Decision-maker SenMan BC
P123975258
73. Mrs. Christele Geselle - Decision-maker SenMan BC
P123994265
74. Mrs. Veronique Goemaere - Decision-maker SenMan BC
P123994303
75. Mr. Jean-Pierre Goossens - Decision-maker SenMan BC
P123928474
76. Mrs. Sonja Gorzkiewicz - Decision-maker SenMan BC
P123994315
77. Mr. Danny Gusse - Decision-maker SenMan BC
77.
P123955386
78. Mrs. Vicky Haubourdin - Decision-maker SenMan BC
P123994354
79. Mr. Christophe Heerinckx - Decision-maker SenMan BC
P123968908
80. Mrs. Carine Hens - Decision-maker SenMan BC
P123993952
81. Mrs. Katrien Heselmans - Decision-maker SenMan BC
P123994947
82. Mr. Roland Huyzentruyt - Decision-maker SenMan BC
P123994293
83. Mr. Bart Hye - Decision-maker SenMan BC
P123994346
84. Mr. Edgard Ivens - Decision-maker SenMan BC
P123994273
85. Mrs. Olivia Joos - Decision-maker SenMan BC
P123993956
86. Mr. Marcel Kersemans - Decision-maker SenMan BC
P123893149
87. Mrs. Catharina Konings - Decision-maker SenMan BC
P123993953
88. Mrs. Talia Lagniau - Decision-maker SenMan BC
P123994360
89. Mr. Willy Lambrechts - Decision-maker SenMan BC
P123994266
90. Mr. Frankie Laperre - Decision-maker SenMan BC
P123993926
91. Mr. Herve Lauwaert - Decision-maker SenMan BC
P123993933
92. Mr. Guido Lenaerts - Decision-maker SenMan BC
P123891263
93. Mr. Frank Leroy - Decision-maker SenMan BC
P123993910
94. Mrs. Myriam Leterme - Decision-maker SenMan BC
P123993918
95. Mr. Joeri Leupe - Decision-maker SenMan BC
P123993919
96. Mrs. Annelies Leyers - Decision-maker SenMan BC
P123927922
97. Mrs. Nele Maertens - Decision-maker SenMan BC
P123897665
98. Mr. Yannick Maes - Decision-maker SenMan BC
P123922849
99. Mr. Jan Maeyaert - Decision-maker SenMan BC
P123965363
100. Mrs. Kathy Manderick - Decision-maker SenMan BC
P123994301
101. Mrs. Lindsay Marien - Decision-maker SenMan BC
P123994335
102. Mrs. Karlien Meersschaut - Decision-maker SenMan BC
P123993941
103. Mrs. Reinhilde Mees - Decision-maker SenMan BC
P123993946
104. Mrs. Martine Mertes - Decision-maker SenMan BC
P123993943
105. Mrs. Hilde Muylle - Decision-maker SenMan BC
P123994344
106. Mrs. Saskia Muylle - Decision-maker SenMan BC
P123994300
107. Mr. Patrick Naulaerts - Decision-maker SenMan BC
P123993929
108. Mr. Ghislain Neyrinck - Decision-maker SenMan BC
P123993930
109. Mr. Patrick Neyrinck - Decision-maker SenMan BC
P123934523
110. Mr. Freddy Neysens - Decision-maker SenMan BC
P123994295
111. Mrs. Karen Ooms - Decision-maker SenMan BC
P123993917
112. Mrs. An Organe - Decision-maker SenMan BC
P123993942
113. Mrs. Inge Pauwels - Decision-maker SenMan BC
P123994336
114. Mr. Jos Pellens - Decision-maker SenMan BC
P123993923
115. Mrs. Herlinda Philips - Decision-maker SenMan BC
P123993950
116. Mr. Kristiaan Pittevils - Decision-maker SenMan BC
P123993947
117. Mr. Frank Platteeuw - Decision-maker SenMan BC
P123993925
118. Mr. Joel Poels - Decision-maker SenMan BC
P123994330
119. Mr. Steven Popelier - Decision-maker SenMan BC
P123993928
120. Mrs. Katrijn Quaghebeur - Decision-maker SenMan BC
P123994948
121. Mrs. Nadja Romer - Decision-maker SenMan BC
P123994331
122. Mr. Emile Rummens - Decision-maker SenMan BC
P123993914
123. Mrs. Claudine Schepens - Decision-maker SenMan BC
P123956039
124. Mr. Johan Schepers - Decision-maker SenMan BC
P123936827
125. Mr. Frank Schofield - Decision-maker SenMan BC
P123993939
126. Mr. Gert Schoofs - Decision-maker SenMan BC
P123994291
127. Mr. Kurt Serruys - Decision-maker SenMan BC
P123918931
128. Mr. Benjamin Silverans - Decision-maker SenMan BC
P123993912
129. Mr. Jean-Pierre Smet - Decision-maker SenMan BC
P123993924
130. Mr. Raymond Smits - Decision-maker SenMan BC
P123994319
131. Mr. Dirk Standaert - Decision-maker SenMan BC
P123883569
132. Mrs. Karen Sterckx - Decision-maker SenMan BC
P123993915
133. Mrs. Joke Suetens - Decision-maker SenMan BC
P123994327
134. Mr. Jos Thoelen - Decision-maker SenMan BC
P123993921
135. Mrs. Linda Tijssens - Decision-maker SenMan BC
P123994337
136. Mrs. Olga Toryanyk - Decision-maker SenMan BC
136.
P123994347
137. Mrs. Mireille Troosters - Decision-maker SenMan BC
P123993944
138. Mr. Raf Valcke - Decision-maker SenMan BC
P123939295
139. Mrs. Veerle Van Assche - Decision-maker SenMan BC
P123994267
140. Mr. Marc Van Campenhout - Decision-maker SenMan BC
P123994887
141. Mr. Nils Van Cauwelaert - Decision-maker SenMan BC
P123994274
142. Mr. Patrick Van Damme - Decision-maker SenMan BC
P123993913
143. Mrs. Carina Van De Maele - Decision-maker SenMan BC
P123993955
144. Mr. Jean-Pierre Van Eetvelde - Decision-maker SenMan BC
P123993948
145. Mrs. Ingeborg Van Geyseghem - Decision-maker SenMan BC
P123994349
146. Mrs. Martine Van Gompel - Decision-maker SenMan BC
P123994332
147. Mrs. Daphne Van Hoegaerden - Decision-maker SenMan BC
P123994359
148. Mrs. Nele Van Hoezen - Decision-maker SenMan BC
P123994328
149. Mr. Philippe Van Laere - Decision-maker SenMan BC
P123993922
150. Mrs. Marleen Van Nuffel - Decision-maker SenMan BC
P123994340
151. Mrs. Veerle Van Oevelen - Decision-maker SenMan BC
P123994268
152. Mrs. Wendy Van Olmen - Decision-maker SenMan BC
P123993949
153. Mrs. Ilona Van Ouytsel - Decision-maker SenMan BC
P123936819
154. Mrs. Charlotte Van Parys - Decision-maker SenMan BC
P123994289
155. Mr. Piet Van Ruyskensvelde - Decision-maker SenMan BC
P123994292
156. Mr. Kris Van Walleghem - Decision-maker SenMan BC
P123993937
157. Mr. Freddy Van Wilderode - Decision-maker SenMan BC
P123888931
158. Mr. Jean-Paul Vancoillie - Decision-maker SenMan BC
P123993935
159. Mrs. Ruth Vandenberghe - Decision-maker SenMan BC
P123994298
160. Mrs. Sarah Vandenmeersche - Decision-maker SenMan BC
P123994269
161. Mrs. Karen Vandermolen - Decision-maker SenMan BC
P123993916
162. Mrs. Jozefine Vanhoof - Decision-maker SenMan BC
P123899365
163. Mrs. Karen Vanhoutte - Decision-maker SenMan BC
P123867381
164. Mrs. Krissy Vanmellaert - Decision-maker SenMan BC
P123994277
165. Mr. Luc Vanstappen - Decision-maker SenMan BC
P123994329
166. Mr. Pieter Vanwildemeersch - Decision-maker SenMan BC
P123994290
167. Mrs. Hilde Verbrugge - Decision-maker SenMan BC
P123994297
168. Mrs. Ilse Vercammen - Decision-maker SenMan BC
P123984690
169. Mrs. Christel Vereecken - Decision-maker SenMan BC
P123993938
170. Mrs. Vivianne Vergauwen - Decision-maker SenMan BC
P123994320
171. Mrs. Annelies Verhegge - Decision-maker SenMan BC
P123994276
172. Mr. Hans Verlaeckt - Decision-maker SenMan BC
P123994348
173. Mrs. Rita Verlinden - Decision-maker SenMan BC
P123994317
174. Mr. Ben Vermeiren - Decision-maker SenMan BC
P123892649
175. Mr. Lode Verstraeten - Decision-maker SenMan BC
P044513672
176. Mrs. Mia Vervacke - Decision-maker SenMan BC
P123994306
177. Mr. Yves Vervaeck - Decision-maker SenMan BC
P123993931
178. Mr. Raoul Veyt - Decision-maker SenMan BC
P123994318
179. Mrs. Liesbeth Wallebroek - Decision-maker SenMan BC
P123318003
180. Mr. Hannes Warnez - Decision-maker SenMan BC
P123994310
181. Mrs. Anne-Marie Wens - Decision-maker SenMan BC
P123993940
182. Mrs. Inge Willaert - Decision-maker SenMan BC
P123994324
183. Mrs. Lena Wostyn - Decision-maker SenMan BC
P123993936
184. Mr. Johan Tyteca - Company Secretary SenMan BC
P044358993 (from 01/07/2012
to 30/06/2018)
185. Mr. Luc Karel Philips - Chief Financial Officer FinAcc VI
P007228636
20226
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IFRS IFRS IFRS IFRS

Audit n.a. Unqualified Unqualified Audited
31/12/2008 31/12/2007 31/12/2006 31/12/2005
156,163.0 146,710.0 129,487.0 116,385.0

158,984.0 148,725.0 131,562.0 118,980.0
2,821.0 2,015.0 2,075.0 2,595.0
150,176.0 150,905.0 138,856.0 151,258.0
36,595.0 47,529.0 31,546.0 35,408.0
39,114.0 21,804.0 16,277.0 18,824.0
74,000.0 81,083.0 90,755.0 96,868.0
467.0 489.0 278.0 158.0
306,339.0 297,615.0 268,343.0 267,643.0
2,482.0 1,760.0 1,544.0 1,449.0
9,729.0 10,101.0 5,851.0 5,327.0
318,550.0 309,476.0 275,738.0 274,419.0
221,183.0 219,466.0 206,949.0 213,266.0

143,970.0 131,786.0 128,214.0 158,434.0
61,926.0 69,738.0 53,001.0 54,832.0
15,287.0 17,942.0 25,734.0 n.a.
71,126.0 68,691.0 46,604.0 30,978.0
40,230.0 25,946.0 23,093.0 24,698.0
n.a. 8,919.0 n.a. n.a.
30,896.0 33,826.0 23,511.0 6,280.0
13,375.0 8,245.0 10,861.0 18,921.0
n.a. n.a. n.a. n.a.
528.0 148.0 192.0 175.0
12,338.0 12,926.0 11,132.0 11,079.0
318,550.0 309,476.0 275,738.0 274,419.0
4,821.0 3,310.0 3,257.0 3,873.0

2,821.0 2,015.0 2,075.0 2,595.0
62,091.0 83,810.0 69,640.0 80,533.0
2,248.0 2,008.0 833.0 360.0
n.a. n.a. n.a. n.a.
3,955.0 988.0 1,036.0 1,036.0

5,178.0 6,852.0 5,496.0 5,244.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005
4,151.0 3,305.0 3,410.0 3,610.0
-304.0 4,025.0 3,527.0 2,450.0
-4,124.0 n.a. n.a. n.a.
1,653.0 1,768.0 1,468.0 587.0
1,769.0 1,897.0 1,648.0 1,234.0

398.0 360.0 411.0 629.0
4,443.0 4,140.0 3,872.0 3,662.0
760.0 148.0 176.0 27.0
-143.0 242.0 271.0 107.0
-1,499.0 3,284.0 3,160.0 2,478.0
-216.0 750.0 759.0 610.0
-1,283.0 2,534.0 2,401.0 1,868.0
3,845.0 7,271.0 6,894.0 5,883.0
889.0 1,389.0 1,357.0 1,258.0
13.20 10.50 11.15 12.35

9.60 7.80 8.45 9.45
17,941.0 n.a. n.a. n.a.
12,998.0 11,525.0 10,407.0 10,292.0
251.0 235.0 523.0 257.0
IFRS IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006 31/12/2005
9,681.0 7,737.0 7,233.0 6,152.0
6,202.0 6,145.0 3,118.0 2,792.0
131.0 126.0 139.0 115.0
16,014.0 14,008.0 10,490.0 9,059.0
n.a. n.a. 5,402.0 4,254.0

11,863.0 10,703.0 1,678.0 1,195.0
11,863.0 10,703.0 7,080.0 5,449.0
4,151.0 3,305.0 3,410.0 3,610.0
-4,124.0 n.a. n.a. n.a.

-11.0 -18.0 50.0 168.0
1,653.0 1,768.0 1,468.0 587.0
n.a. n.a. n.a. n.a.

1,769.0 1,897.0 1,648.0 1,234.0
407.0 319.0 318.0 284.0
-306.0 3,966.0 3,484.0 2,273.0
2,222.0 2,276.0 2,190.0 2,011.0
2,221.0 1,864.0 1,682.0 1,651.0
4,443.0 4,140.0 3,872.0 3,662.0
2.0 59.0 43.0 177.0

-596.0 3,190.0 3,065.0 2,398.0
760.0 148.0 176.0 27.0
629.0 n.a. -7.0 7.0
-1,985.0 3,042.0 2,896.0 2,364.0
n.a. n.a. n.a. n.a.

134.0 n.a. 133.0 101.0
19.0 0.0 0.0 0.0
371.0 n.a. n.a. n.a.
n.a. 242.0 131.0 13.0
-1,499.0 3,284.0 3,160.0 2,478.0
-216.0 750.0 759.0 610.0
0.0 0.0 n.a. n.a.
-1,283.0 2,534.0 2,401.0 1,868.0
-811.0 -601.0 -282.0 179.0

n.a. n.a. n.a. n.a.
-220.0 -60.0 -18.0 127.0
n.a. n.a. n.a. n.a.
-2,314.0 1,873.0 2,101.0 2,174.0
238.0 273.0 318.0 190.0
-1,521.0 2,261.0 2,083.0 1,678.0
889.0 1,389.0 1,357.0 1,258.0

n.a. n.a. n.a. n.a.
55,154.0 46,767.0 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
103,830.0 101,958.0 131,562.0 118,980.0
2,821.0 2,015.0 2,075.0 2,595.0
156,163.0 146,710.0 129,487.0 116,385.0
158,984.0 148,725.0 131,562.0 118,980.0
4,821.0 3,310.0 3,257.0 3,873.0
n.a. n.a. n.a. n.a.
36,595.0 47,529.0 31,546.0 35,408.0

n.a. n.a. n.a. n.a.
22,086.0 33,383.0 36,746.0 43,937.0
39,114.0 21,804.0 16,277.0 18,824.0
39,081.0 37,758.0 43,716.0 41,821.0
12,789.0 9,296.0 9,758.0 10,271.0
44.0 646.0 535.0 839.0
n.a. n.a. n.a. n.a.
113,114.0 102,887.0 107,032.0 115,692.0
47,064.0 36,425.0 1,722.0 1,470.0
n.a. n.a. n.a. n.a.
467.0 448.0 225.0 158.0
n.a. n.a. n.a. n.a.
n.a. 41.0 53.0 0.0
306,339.0 297,615.0 268,343.0 267,643.0
3,410.0 2,898.0 1,348.0 1,188.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,482.0 1,760.0 1,544.0 1,449.0
2,127.0 1,810.0 709.0 259.0
121.0 198.0 124.0 101.0
224.0 102.0 117.0 25.0
1,566.0 556.0 521.0 401.0
625.0 n.a. n.a. n.a.
1,656.0 4,537.0 3,032.0 3,353.0
318,550.0 309,476.0 275,738.0 274,419.0
48,053.0 45,071.0 50,680.0 85,511.0

28,951.0 27,079.0 32,332.0 30,156.0
66,966.0 59,636.0 45,202.0 42,767.0
143,970.0 131,786.0 128,214.0 158,434.0
61,926.0 69,738.0 53,001.0 54,832.0
n.a. n.a. n.a. n.a.
15,287.0 17,942.0 25,734.0 n.a.
221,183.0 219,466.0 206,949.0 213,266.0
21,763.0 25,986.0 16,979.0 0.0

5,178.0 6,852.0 5,496.0 5,244.0
n.a. n.a. n.a. n.a.
26,941.0 32,838.0 22,475.0 5,244.0
40,230.0 25,946.0 23,093.0 24,698.0
n.a. 8,919.0 n.a. n.a.
288,354.0 287,169.0 252,517.0 243,208.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
528.0 148.0 192.0 175.0
306.0 388.0 381.0 382.0
54.0 332.0 285.0 283.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
13,015.0 7,525.0 10,195.0 18,256.0
302,257.0 295,562.0 263,570.0 262,304.0
3,955.0 988.0 1,036.0 1,036.0
n.a. n.a. n.a. n.a.
12,146.0 12,304.0 9,932.0 9,446.0

1,610.0 584.0 529.0 704.0
-857.0 -46.0 555.0 837.0
n.a. n.a. n.a. n.a.
-561.0 84.0 116.0 92.0
12,338.0 12,926.0 11,132.0 11,079.0

318,550.0 309,476.0 275,738.0 274,419.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
6.14 5.52 5.77 5.17

n.a. n.a. 3.77 2.69
5.22 4.95 3.91 3.38

4.03 3.97 2.86 2.24
1.35 1.17 1.27 1.35

1.10 1.12 1.21 1.34
1.35 1.17 1.27 1.35

-7.96 54.55 50.54 38.64
115.55 56.94 56.16 62.25
1.39 1.41 1.41 1.33
-4.73 26.52 27.60 23.11
-0.19 1.09 1.11 0.87
-233.05 4.64 5.51 1.42
-15.76 25.29 26.08 22.78

-0.62 1.04 1.05 0.86
14.41 22.84 24.02 24.62
-0.44 2.16 2.49 2.20
-1.46 2.06 2.35 2.17
-10.19 21.07 21.62 18.00

-0.40 0.87 0.87 0.68
-18.37 15.57 18.92 20.95
-0.72 0.64 0.76 0.79
n.a. n.a. n.a. n.a.
-0.95 1.72 1.95 1.71

-1.71 1.27 1.71 2.00
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
3.15 3.38 3.75 3.91
9.60 7.80 8.45 9.45
13.20 10.50 11.15 12.35
n.a. n.a. n.a. n.a.
3.87 4.18 4.04 4.04
-69.29 54.81 56.52 67.34
-38.42 74.16 64.59 57.87
n.a. n.a. n.a. n.a.

-17.60 8.86 9.38 5.51
2.93 12.24 0.48 n.a.

6.90 13.05 10.57 n.a.
3.03 2.23 2.48 3.26
1.77 1.35 1.58 2.18
58.51 60.88 63.71 67.00
16.21 10.02 10.62 11.54
0.48 0.11 0.14 0.02

0.16 0.17 0.42 0.22
3.03 2.23 2.48 3.26
110.43 112.85 102.61 75.10

59.09 68.15 59.52 64.58
58.02 50.45 55.89 72.51
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
318,550.0 309,476.0 275,738.0 274,419.0
135,557.0 147,444.0 123,127.0 108,958.0
n.a. n.a. n.a. n.a.
135,557.0 147,444.0 123,127.0 108,958.0
157,699.3 140,143.5 125,271.0 118,980.0

306,966.3 282,979.0 267,993.0 267,643.0
319,243.7 292,607.0 275,078.5 274,419.0
n.a. n.a. n.a. n.a.
294,597.7 269,843.0 247,862.5 243,208.0
12,204.3 11,118.0 9,689.0 9,247.5
12,595.0 12,029.0 11,105.5 10,378.5
149,597.0 130,000.0 143,324.0 158,434.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 3,818.0 3,544.0

n.a. n.a. 26,663.0 30,752.0
n.a. n.a. 931.0 726.0
n.a. n.a. 133.0 386.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. 147,667.0 143,692.0
n.a. n.a. 23,260.0 14,742.0
n.a. n.a. n.a. n.a.
n.a. n.a. 8,041.0 5,457.0
n.a. n.a. 42,133.0 47,952.0
n.a. n.a. 2,827.0 1,423.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,178.0 6,852.0 5,496.0 5,244.0
n.a. n.a. n.a. n.a.
-1,283.0 2,534.0 2,401.0 1,868.0

n.a. n.a. n.a. n.a.
-1,283.0 n.a. n.a. n.a.
12,338.0 12,926.0 11,132.0 11,079.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
12,338.0 12,926.0 11,132.0 11,079.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

2,127.0 1,810.0 709.0 259.0
121.0 198.0 124.0 101.0
134.0 556.0 236.0 118.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

1,856.3 1,271.0 1,176.0 1,176.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
9,681.0 7,737.0 7,233.0 6,152.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 5,402.0 4,254.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
16,195.0 16,391.0 16,952.0 18,176.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,494.0 16,992.0 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

397.0 n.a. 18,072.0 24,291.0
22,086.0 33,383.0 35,024.0 42,467.0
6,745.0 14,334.0 42,345.0 40,646.0
30,470.0 22,470.0 n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,024.0 15.0 n.a. n.a.
842.0 939.0 1,371.0 1,175.0
39,081.0 37,758.0 43,716.0 41,821.0
5,113.0 559.0 9,758.0 10,271.0
7,676.0 8,737.0 n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
12,789.0 9,296.0 9,758.0 10,271.0
38,146.0 31,207.0 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7,757.0 17,946.0 19,443.0 25,466.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
251.0 235.0 523.0 257.0
262.0 185.0 222.0 245.0

2,559.0 1,943.0 1,933.0 2,420.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
8,188.0 5,753.0 4,253.0 4,253.0
n.a. n.a. n.a. n.a.

3,957.0 6,365.0 5,491.0 4,757.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

0.0 0.0 n.a. n.a.
1,610.0 584.0 529.0 704.0
10,728.0 12,342.0 10,603.0 10,375.0
12,338.0 12,926.0 9,932.0 9,446.0
-857.0 -46.0 555.0 837.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-857.0 -46.0 555.0 837.0
-352.0 73.0 45.0 3.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-209.0 n.a. n.a. n.a.
-1,418.0 27.0 600.0 840.0
n.a. n.a. n.a. n.a.
-1,418.0 27.0 600.0 840.0
n.a. n.a. n.a. n.a.
12,338.0 12,926.0 11,132.0 11,079.0
n.a. n.a. n.a. n.a.
n.a. 186.0 188.0 436.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

0.0 1,389.0 1,357.0 1,258.0
889.0 1,389.0 1,357.0 1,258.0
n.a. n.a. n.a. n.a.
134.0 556.0 n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,475.0 n.a. n.a. n.a.
n.a. 1,271.0 1,176.0 1,176.0
1,856.3 1,271.0 1,176.0 1,176.0
1,856.3 1,271.0 1,176.0 1,176.0
12,998.0 11,525.0 10,407.0 10,292.0

17,941.0 n.a. n.a. n.a.
9.60 7.80 8.45 9.45
13.20 10.50 11.15 12.35
135,557.0 147,444.0 123,127.0 108,958.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
394.0 1,208.0 1,339.0 1,262.0
113,114.0 102,887.0 107,032.0 115,692.0

n.a. n.a. n.a. n.a.
113,114.0 102,887.0 107,032.0 115,692.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
43,784 41,059 36,462 36,037

n.a. 2,146 1,801 n.a.
9.60 7.80 8.45 9.45
n.a. n.a. n.a. n.a.
13.20 10.50 11.15 12.35
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006 31/12/2005
1.77 1.36 1.58 2.18

18.31 4.48 5.16 0.75
58.52 60.88 63.71 67.00
3.03 2.23 2.48 3.26
0.16 0.17 0.42 0.22
-47.99 8.76 20.30 13.56
39.07 25.61 29.26 34.96
16.21 10.02 10.62 11.54
9.60 7.80 8.45 9.45
13.20 10.50 11.15 12.35
3.87 4.18 4.04 4.04
7.90 8.81 8.60 9.52
5.58 5.89 5.38 5.20
4.15 4.48 4.31 4.31
6.74 6.71 6.41 6.33
13.75 14.15 13.64 14.92
9.71 9.46 8.54 8.14
7.23 7.19 6.85 6.75
24.12 33.00 31.11 30.21
1.38 1.17 1.27 1.35

1.32 1.13 1.24 1.32
-0.10 1.38 1.28 0.89
1.66 1.47 1.47 1.34
-0.43 1.04 1.05 0.86
0.02 -0.17 -0.18 -0.18
-0.41 0.87 0.87 0.68
-10.16 21.07 21.62 16.86
-69.29 54.82 56.52 67.35
-17.19 9.52 9.40 5.51
11.15 9.55 11.29 5.73
115.49 56.48 55.82 60.43
-0.19 1.09 1.11 0.87
59.10 68.15 59.52 64.58

49.02 47.41 46.96 42.41
70.60 66.85 62.57 54.57
55.15 52.34 52.42 48.91
28.07 38.19 33.65 37.76
21.93 29.90 28.19 33.84
Cyprus Popular Bank Public Co Ltd
1598 NICOSIA BvD ID number CYC1

CYPRUS Index number 31582
The GUO of this controlled subsidiary is GOVERNMENT OF CYPRUS
Contact details
154 LIMASSOL AVENUE Phone number 357 (2) 45 00 00

Popular Bank Building Fax number 357 (2) 45 33 55
1598 NICOSIA Web Site Address www.laiki.com
CYPRUS
Formerly known as Marfin Popular Bank Public Co Ltd

Bank History :
Established in 1901 as Popular Savings Bank of Limassol. In 1924, changed its name to Popular Bank of Limassol Ltd
and, in 1969, to Cyprus Popular Bank Limited. In 1982, take over of Grindlays Banks' operations in Cyprus. In 2004,
changed its name to Cyprus Popular Bank Public Company Ltd. On December 12, 2006, changed its name to Marfin
Popular Bank Public Co Ltd. On April 11, 2012, Marfin Popular Bank Public Co Ltd changed its name to Cyprus Popular
Bank Public Co Ltd.

Accounting Standards International Financial Nickname CYPB
Types of accounts Cons. & Uncons.
available

Latest net income -3,646 mil EUR Ranking (Country), rolling 2
(29/10/2012) World rank, 2011 447
shareholders
No of recorded 33
subsidiaries
Peer Group

Size 1,150
information.
Country ratings (CYPRUS, as at 30/10/2012)
information.
Capital Intelligence Rating Date Action/Direction Outlook Watch
Long-Term Foreign Currency Rating BB+ 16/07/2012 Negative
Short-Term Foreign Currency Rating B 16/07/2012 Negative
Overall country rating B 01/08/2012
Banking sector rating B 01/08/2012 Stable
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 24,778.7 26,417.3 25,082.2 23,427.2
Gross Loans 26,708.5 27,431.8 25,893.8 24,152.1
Less: Reserves for Impaired Loans/ NPLs 1,929.8 1,014.5 811.6 724.9
Loans and Advances to Banks 689.6 4,696.1 3,447.1 4,354.2
Derivatives 136.3 107.0 82.5 152.1
Remaining earning assets 38.1 68.3 3,500.4 905.4
Fixed Assets 291.2 291.2 294.5 274.8
Total Assets 33,762.0 42,580.4 41,828.4 38,353.2

Derivatives 312.7 280.5 249.9 327.0
Other (Non-Interest bearing) 379.6 469.7 758.7 739.6
Other Reserves 297.0 285.0 255.0 228.7
Equity 600.6 3,641.3 3,759.2 3,561.5
Notes
Loan Loss Reserves (Memo) 1,929.8 1,014.5 811.6 724.9
Intangibles (Memo) 797.8 1,634.7 1,646.8 1,629.1

Subordinated Debts (Memo) 530.7 530.1 608.3 525.9
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Interest Revenue 800.2 713.8 643.7 761.7
Net Gains (Losses) on Assets at FV through Income 37.1 2.3 33.8 -53.3
Statement
Overheads 649.2 645.8 624.5 590.9
Loan Loss Provisions 1,151.1 266.1 250.6 129.4
Other -3,347.6 -9.3 -3.4 -17.6
Profit before Tax -4,100.8 114.6 217.8 367.1
Tax -454.5 25.4 47.4 56.0
Net Income -3,646.3 89.2 170.4 403.3
Dividend Paid 147.0 n.a. n.a. 278.8
Total Capital Ratio n.a. 11.60 11.50 10.10

Tier 1 Ratio n.a. 9.96 9.10 8.10
Total Capital n.a. 3,218.1 2,956.0 2,417.2
Tier 1 Capital n.a. 2,752.7 2,318.9 1,936.7
Net-Charge Offs 236.1 66.1 63.9 99.7

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Other Interest Income 321.7 210.2 190.7 250.3
Dividend Income 1.5 4.2 7.8 17.3

Other Interest Expense 296.3 240.3 235.8 397.2
Total Interest Expense 905.8 843.8 937.6 1,283.7
Net Interest Income 800.2 713.8 643.7 761.7
Net Gains (Losses) on Other Securities -13.4 29.2 103.8 7.2
Statement
Total Non-Interest Operating Income 237.1 307.8 434.6 340.8
Equity-accounted Profit/ Loss - Operating 9.8 14.2 18.0 2.5

Pre-Impairment Operating Profit 397.9 390.0 471.8 514.1
Loan Impairment Charge 1,151.1 266.1 250.6 129.4
Securities and Other Credit Impairment Charges 3,347.6 9.3 4.4 21.6
Operating Profit -4,100.8 114.6 216.8 363.1

Non-recurring Expense n.a. n.a. n.a. 0.4
Other Non-operating Income and Expenses n.a. n.a. 1.0 4.4
Pre-tax Profit -4,100.8 114.6 217.8 367.1
Tax expense -454.5 25.4 47.4 56.0
Profit/Loss from Discontinued Operations n.a. n.a. n.a. 92.2
Net Income -3,646.3 89.2 170.4 403.3
Change in Value of AFS Investments 151.3 -152.4 95.8 -169.0

Revaluation of Fixed Assets -0.4 0.0 -0.4 n.a.
Currency Translation Differences -0.7 11.6 -29.1 n.a.
Remaining OCI Gains/(losses) -12.8 15.0 0.3 n.a.
Fitch Comprehensive Income -3,508.9 -36.6 237.0 234.3
Memo: Profit Allocation to Non-controlling Interests 4.1 2.1 -3.5 8.8
Memo: Net Income after Allocation to Non- -3,650.4 87.1 173.9 394.5
Memo: Common Dividends Relating to the Period 147.0 n.a. n.a. 278.8
Balance Sheet
Assets
Loans
Residential Mortgage Loans n.a. n.a. n.a. 3,864.3
Other Consumer/ Retail Loans 7,988.8 n.a. n.a. 4,105.9
Corporate & Commercial Loans 18,719.7 n.a. n.a. 16,181.9
Other Loans n.a. 27,431.8 25,893.8 0.0
Net Loans 24,778.7 26,417.3 25,082.2 23,427.2
Gross Loans 26,708.5 27,431.8 25,893.8 24,152.1
Loans and Advances to Banks 689.6 4,696.1 3,447.1 4,354.2
Trading Securities and at FV through Income 105.3 134.7 163.9 295.4
Derivatives 136.3 107.0 82.5 152.1
Held to Maturity Securities 889.5 1,480.0 1,381.3 1,164.0
Other Securities 1,769.2 4,118.3 n.a. n.a.
Memo: Government Securities included Above 1,904.4 n.a. n.a. 1,240.2
Other Earning Assets n.a. n.a. 3,442.8 862.6
Non-earning Assets
Cash and Due From Banks 1,034.1 713.6 1,964.8 1,839.7
Memo: Mandatory Reserves included above 653.2 n.a. n.a. n.a.
Foreclosed Real Estate 313.1 n.a. n.a. n.a.
Fixed Assets 291.2 291.2 294.5 274.8
Goodwill 527.6 1,284.6 1,278.8 1,271.7
Other Assets 372.9 365.9 456.2 481.3
Total Assets 33,762.0 42,580.4 41,828.4 38,353.2
Customer Deposits - Savings 1,487.2 n.a. n.a. n.a.
Customer Deposits - Term 14,315.3 364.2 409.6 298.8
Deposits from Banks 345.5 3,704.7 4,480.9 6,863.2
Repos and Cash Collateral 663.1 n.a. n.a. n.a.
Funding
Senior Debt Maturing after 1 Year 376.1 477.6 1,398.5 1,079.0
Subordinated Borrowing 530.7 530.1 608.3 525.9
Total Long Term Funding 906.8 1,007.7 2,006.8 1,604.9
Derivatives 312.7 280.5 249.9 327.0
Total Funding 31,681.7 37,446.5 36,613.3 33,623.4
Other Liabilities 244.3 311.9 591.1 573.1
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. 0.0 0.0 0.0
Equity
Equity
Common Equity 696.2 3,876.2 3,848.1 3,708.6
Foreign Exchange Revaluation Reserves -65.9 -65.6 -76.1 -47.0
Fixed Asset Revaluations and Other Accumulated 52.0 51.0 53.4 53.6
OCI
Total Equity 600.6 3,641.3 3,759.2 3,561.5
Memo: Fitch Core Capital -777.4 1,879.4 2,020.4 1,847.1
Memo: Fitch Eligible Capital -1,110.6 2,248.4 2,241.5 1,947.1
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Net Int. Inc Less Loan Impairment Charges/ Av. -0.98 1.16 1.08 2.02
Earning Assets%
Loans and securities impairment charges/ Pre- n.s. 70.62 54.05 29.37
Operating Profit/ Average Equity% -125.18 3.09 5.94 10.18
Operating Profit/ Average Total Assets% -10.49 0.27 0.53 1.03
Assets%
Operating Profit / Risk Weighted Assets% -14.91 0.41 0.85 1.52
Net Income/ Average Total Equity% -111.31 2.40 4.67 11.30
Net Income/ Average Total Assets% -9.33 0.21 0.42 1.14
Fitch Comprehensive Income/ Average Total Equity -107.12 -0.99 6.49 6.57
%
Fitch Comprehensive Income/ Average Total Assets -8.98 -0.09 0.58 0.66
%
Net Income/ Av. Total Assets plus Av. Managed -9.33 0.21 0.42 n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% -13.26 0.32 0.67 1.69
Fitch Comprehensive Income/ Risk Weighted Assets -12.76 -0.13 0.93 0.98
%
Capitalization
Fitch Core Capital/Weighted Risks% -2.83 6.80 7.89 7.72
Fitch Eligible Capital/ Weighted Risks% -4.04 8.14 8.75 8.14
Tier 1 Regulatory Capital Ratio% n.a. 9.96 9.10 8.10
Total Regulatory Capital Ratio% n.a. 11.60 11.50 10.10
Core Tier 1 Regulatory Capital Ratio% n.a. 7.29 n.a. n.a.
Cash Dividends Paid & Declared/ Net Income% -4.03 n.a. n.a. 69.13
Cash Dividend Paid & Declared/ Fitch -4.19 n.a. n.a. 118.99
Net Income - Cash Dividends/ Total Equity% -631.59 2.45 4.53 3.50
Loan Quality
Growth of Total Assets% -20.71 1.80 9.06 26.76
Growth of Gross Loans% -2.64 5.94 7.21 32.07
%
Foreclosed Assets%
Funding
Reference Data
Managed Securitized Assets Reported Off-Balance 0.0 0.0 0.0 n.a.
Sheet
Guarantees 1,238.9 1,313.1 1,395.5 1,186.2

Acceptances and documentary credits reported off- 144.8 387.1 96.2 120.7
balance sheet
Other Contingent Liabilities 162.8 176.0 165.4 170.6
Average Loans 26,839.1 26,984.8 24,904.2 22,044.5
Average Assets 39,079.6 42,537.6 40,611.9 35,312.2
Average Managed Assets Securitized Assets (OBS) 0.0 0.0 0.0 n.a.
Average Equity 3,275.8 3,712.8 3,649.0 3,568.0
Maturities






Total Subordinated Debt on Balance Sheet 530.7 530.1 608.3 525.9
Net Income -3,646.3 89.2 170.4 403.3
Published Net Income -3,646.3 89.2 170.4 403.3
Equity 600.6 3,641.3 3,759.2 3,561.5
Add: Pref. Shares and Hybrid Capital accounted for n.a. 0.0 0.0 0.0
as Equity
Published Equity 600.6 n.a. n.a. n.a.

Total Equity as reported (including non-controlling 600.6 3,641.3 3,759.2 3,561.5
interests)
on the B/S- CC only
Goodwill 527.6 1,284.6 1,278.8 1,271.7
securitizations
Fitch Core Capital -777.4 1,879.4 2,020.4 1,847.1
Eligible weighted Hybrid capital -333.2 369.0 221.1 100.0
Fitch Eligible Capital -1,110.6 2,248.4 2,241.5 1,947.1
Eligible Hybrid Capital Limit -333.2 805.5 865.9 791.6

Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
AFS Assets - Government n.a. n.a. n.a. 774.7
Total AFS Assets 1,791.2 2,278.4 3,564.9 3,606.2
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. n.a. 801.2
HTM - Government n.a. n.a. n.a. 362.8

Total HTM Debt Securities 889.5 1,480.0 1,381.3 1,164.0
Asset Quality Data

Net Charge-offs
Gross Charge-offs 236.1 n.a. 63.9 99.7
Net Charge-offs 236.1 66.1 63.9 99.7
Reserves
Collective/General Loan Impairment Reserves 617.4 340.5 249.6 415.6
Individual/Specific Loan Impairment Reserves 1,312.4 673.9 562.0 309.2

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 3,704.0 3,087.7 2,900.1 2,849.7

dividends
Other Common Equity 494.2 3,535.4 3,635.9 3,429.9
Total Common Equity 600.6 3,641.3 3,759.2 3,561.5
Valuation Reserves for PP&E/Fixed Assets in OCI 48.6 47.7 49.8 50.2
Valuation Reserves in OCI - Other 3.4 3.3 3.7 3.4
Other OCI Reserves n.a. n.a. n.a. n.a.
Total OCI Reserves -202.0 -340.8 -212.1 -278.7
Total Other Equity Reserves -202.0 -340.8 -212.1 -278.7
Hybrid Securities Reported in Equity n.a. 0.0 0.0 0.0
Interests
absorbing

Total Dividends Related to Period 147.0 n.a. n.a. 278.8
Total Dividends Paid and Declared in Period 147.0 n.a. n.a. 278.8
Capital
Hybrid Capital Fitch Class A 0.0 0.0 0.0 0.0
Hybrid Capital Fitch Class B 0.0 0.0 0.0 0.0
Hybrid Capital Fitch Class C 803.1 737.9 442.2 200.0
Hybrid Capital Fitch Class D 0.0 0.0 0.0 0.0
Hybrid Capital Fitch Class E 0.0 0.0 0.0 0.0
Weighted Total of Fitch Hybrid Capital Classes 401.6 369.0 221.1 100.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 401.6 369.0 221.1 100.0

II
Capital
deposits
banks

loans
Number of Employees n.a. n.a. n.a. 8,936

Regulatory Tier I Capital Ratio% n.a. 9.96 9.10 8.10
Regulatory Total Capital Ratio% n.a. 11.60 11.50 10.10
Total Exposure to Central Bank 813.0 n.a. n.a. 1,146.5
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Net Inc Bef Ln Lss Prov -9.46 18.60 15.18 18.72
Capital
Tier 1 Ratio n.a. 9.96 9.10 8.10
Equity / Net Loans 2.42 13.78 14.99 15.20
Operations
Return On Avg Assets (ROAA) -9.55 0.21 0.43 1.18
Return On Avg Equity (ROAE) -171.92 2.41 4.66 11.45
Dividend Pay-Out -4.03 n.a. n.a. 69.13
Inc Net Of Dist / Avg Equity -178.85 n.a. n.a. 3.54
Non Op Items / Net Income 91.81 -10.43 -2.00 -4.36
Liquidity
Interbank Ratio 68.37 126.76 76.93 63.44
General information


ISIN number: CY0000200119
Ticker symbol: CPB
Nominal value (EUR): 0.85
Stock exchange(s) listed: Cyprus Stock Exchange

Athens Stock Exchange
Boerse Frankfurt
Boerse Stuttgart
Stock index information: FTSE ASE 20 INDEX - GREECE
IPO date: 3/29/1996
Market price - Year (EUR) 2012 2011 2010 2009 2008 2007
Market price - January 0.39 1.07 2.11 1.76 6.70 14.18

Market price - February 0.29 1.02 1.93 1.33 6.48 13.67
Market price - March 0.24 0.87 2.06 1.56 5.20 13.74
Market price - April 0.20 0.82 1.84 1.87 5.68 14.42
Market price - May 0.09 0.63 1.64 2.50 5.52 14.56
Market price - June 0.09 0.63 1.42 2.11 4.64 15.00
Market price - July 0.06 0.52 1.81 2.28 4.56 16.54
Market price - August 0.03 0.32 1.59 2.39 4.46 16.85
Market price - September 0.04 0.35 1.49 2.92 3.52 16.40
Market price - October n.a. 0.25 1.48 3.00 2.59 11.18
Market price - November n.a. 0.24 1.22 2.30 2.02 9.36
Market price - December n.a. 0.30 1.14 2.29 1.93 9.12

Price trends (%)


Date News
1 02/07/2012 Cyprus Popular Bank completes capital increase (deal no.
1601348040)
2 21/06/2012 EGM in Cyprus Popular Bank Public approves new capital
increase (deal no. 1601381870)
3 30/03/2012 Ukrselhosprom has acquired majority stake in Marfin Bank Eesti
(deal no. 1601328532)
4 29/06/2011 Agricultural Bank of Greece completes rights issue (deal no.
1601260751)
5 08/04/2011 Marfin Popular acquisition of Egnatia completed (deal no.
1601078846)
6 31/03/2011 MPB to acquire two companies (deal no. 1601259737)
7 10/03/2011 Bank of Beirut acquires majority stake in Laiki Bank (Australia)
(deal no. 1633026121)
8 14/02/2011 Marfin Popular Bank completes rights offering (deal no.
1601229564)
9 02/11/2010 Marfin Popular Bank convertible capital issue approved (deal no.
1601229565)
10 23/09/2010 Provident Fund of Employees of The Cyprus Popular Bank sold
shares of Marfin Popular Bank (deal no. 1601218656)
11 17/08/2010 Marfin Popular Bank Public Co acquires majority stake in
Morskyy Transportnyy Bank (deal no. 1601211530)
12 15/07/2010 Provident Fund of Employees of The Cyprus Popular Bank has
taken a minority stake in Marfin Popular Bank (deal no.
1601203813)
13 15/07/2010 Lanitis EC Holdings has taken a minority stake in Marfin Popular

Bank (deal no. 1601203816)
14 15/07/2010 Lanitis EC Holdings has taken a minority stake in Marfin Popular
Bank (deal no. 1601204585)
15 25/05/2010 Marfin to issue new shares (deal no. 1601191821)
16 01/04/2010 Marfin Bank has issued new shares (deal no. 1601175017)
17 22/09/2009 Mr Demetrios Spanodemos has taken a minority stake in Marfin
Popular Bank (deal no. 1601115825)
18 22/05/2009 Marfin Investment Group Holdings has taken a minority stake in
Marfin Popular Bank Public (deal no. 1601080609)
19 16/03/2009 Toscafund has reduced its stake in Marfin Popular Bank. (deal
no. 1601061358)
20 03/03/2009 Marfin Investment Group increased its stake in Marfin Popular
Bank. (deal no. 1601054332)
21 19/12/2008 CNP Assurances acquires a majority stake in Marfin Insurance
Holdings (deal no. 1601005423)
22 02/11/2008 Marfin Popular Bank increased its stake in Marfin Pank Eesti
(deal no. 1601053153)
23 10/10/2008 Executive Vice Chairman increases stake in Marfin (deal no.
1601058892)
24 10/10/2008 Mr Andreas Vgenopoulos has taken a minority stake in Marfin
26 17/09/2008 Katia Holdings has taken a minority stake in Marfin Bank (deal
no. 1601206423)
27 17/09/2008 Elia Holdings has taken a minority stake in Marfin Bank (deal no.
1601206424)
28 04/09/2008 Marfin Popular Bank has acquired majority stake in
Rosprombank (deal no. 604444)
29 01/09/2008 Marfin Popular Bank acquires a minority stake in Laiki (deal no.
1601028287)
30 01/09/2008 Marfin sells a stake in Amathus to Lanitis (deal no. 1601031896)
31 29/08/2008 Marfin Popular Bank has taken a minority stake in Laiki

Investments EPEY Public Company (deal no. 1601205763)
32 29/08/2008 Lanitis EC Holdings has taken a minority stake in Amathus Public
(deal no. 1601205770)
34 30/05/2008 Mr Andreas Vgenopoulos acquires stake in Marfin Popular Bank
Public (deal no. 646520)
35 19/05/2008 Marfin Investment Group Holdings acquires stake in Marfin
Popular Bank Public (deal no. 643712)
36 19/05/2008 Marfin Investment Group Holdings buys shares in Marfin Popular
Bank (deal no. 1601204846)
37 31/03/2008 Dubai Financial LLC completed the acquisition of a stake in
Marfin Investment Group (deal no. 587276)
38 31/03/2008 Dubai Financial Group acquires stake in Marfin Investment
Group Holdings (deal no. 1601057327)
39 11/03/2008 Morgan Stanley increases stake in Marfin Popular Bank (deal no.
627221)
40 11/03/2008 Morgan Stanley acquired stake in Marfin Popular Bank (deal no.
1601205138)
41 04/03/2008 RBS increases stake in Marfin Popular Bank (deal no. 623423)
42 29/02/2008 Mr Andreas Vgenopoulos and Mr Fotios Karatzenis sell shares in
Marfin Popular Bank (deal no. 622278)
43 29/02/2008 Marfin Popular Bank acquires a stake in Lombard Bank Malta
(deal no. 584073)
44 07/02/2008 Dubai Investment Group has agreed to increase its stake in
Marfin Investment Group. (deal no. 641824)
45 01/02/2008 Marfin Popular Bank Public Co acquires stake in Marfin
Investment Group Holdings (deal no. 616038)
47 17/01/2008 Laiki Investments EPEY Public Company is to acquire Egnatia
Financial Services (Cyprus) (deal no. 611514)
Source : Zephyr
There are no current directors / managers available for this company.

00
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Watch
IFRS IFRS IFRS IFRS

Unqualified Audited Audited Not Audited
31/12/2007 31/12/2006 31/12/2005 31/12/2004
17,615.2 11,871.9 6,827.0 5,963.2

18,287.5 12,501.0 7,373.1 6,429.5
672.3 629.1 546.1 466.3
8,913.9 7,515.3 4,231.2 2,875.4
4,978.2 4,107.2 2,332.6 1,615.7
29.7 22.2 7.9 3.8
3,816.7 3,294.3 1,817.9 1,232.5
89.3 91.6 72.8 23.4
26,529.1 19,387.2 11,058.2 8,838.6
286.8 233.2 153.5 172.7
3,441.7 2,699.1 951.3 1,032.0
30,257.6 22,319.5 12,163.0 10,043.3
23,404.3 16,767.9 9,993.4 8,041.5

20,694.9 16,015.9 9,784.1 7,922.4
2,709.4 752.0 209.3 119.1
n.a. n.a. n.a. n.a.
1,628.3 1,159.1 664.0 666.2
51.3 15.7 6.3 3.4
n.a. n.a. n.a. n.a.
1,577.0 1,143.4 657.7 662.8
1,523.0 1,181.3 687.0 611.0
n.a. n.a. n.a. n.a.
219.8 196.5 165.1 143.4
3,482.2 3,014.7 653.5 581.2
30,257.6 22,319.5 12,163.0 10,043.3
877.8 818.4 730.1 726.2

672.3 629.1 546.1 466.3
7,013.9 5,262.9 3,162.5 2,479.9
1,649.0 1,331.5 79.0 92.4
1,353.0 n.a. n.a. n.a.
85.4 n.a. n.a. n.a.

518.6 624.0 364.2 365.8

31/12/2007 31/12/2006 31/12/2005 31/12/2004
677.2 360.3 296.8 264.6
502.8 170.1 138.9 118.9
n.a. n.a. n.a. n.a.
29.9 12.5 1.2 -10.3
308.9 105.9 86.7 82.7

164.0 51.7 51.0 46.5
531.2 279.1 243.8 231.3
97.9 81.0 79.3 80.1
-1.2 10.3 -8.0 -15.9
549.7 180.6 104.6 56.2
84.5 30.4 29.6 19.5
593.1 150.2 75.0 36.7
1,177.0 527.8 433.3 381.3
245.0 n.a. n.a. n.a.
11.17 14.39 11.93 13.40

9.22 11.46 10.51 n.a.
2,171.7 1,908.8 844.6 22.9
1,791.5 1,520.5 744.1 n.a.
47.6 138.4 30.6 n.a.
IFRS IFRS IFRS IFRS
31/12/2007 31/12/2006 31/12/2005 31/12/2004
1,436.5 709.2 560.6 478.1

192.6 74.8 52.6 38.3
12.4 1.4 0.7 0.5
1,641.5 785.4 613.9 516.9
855.9 402.5 295.2 232.5

108.4 22.6 21.9 19.8
964.3 425.1 317.1 252.3
677.2 360.3 296.8 264.6
n.a. n.a. n.a. n.a.

119.2 0.8 0.0 0.0
29.9 12.5 1.2 -10.3
n.a. 24.9 27.9 17.1

308.9 105.9 86.7 82.7
41.8 23.4 20.7 27.2
499.8 167.5 136.5 116.7
325.2 182.3 160.8 146.8
206.0 96.8 83.0 84.5
531.2 279.1 243.8 231.3
3.0 2.6 2.4 2.2

648.8 251.3 191.9 152.2
97.9 81.0 79.3 80.1
1.5 n.a. n.a. n.a.
549.4 170.3 112.6 72.1
n.a. n.a. n.a. n.a.

n.a. 0.9 n.a. -8.4
n.a. 0.0 15.0 n.a.
n.a. n.a. n.a. n.a.
0.3 9.4 7.0 -7.5
549.7 180.6 104.6 56.2
84.5 30.4 29.6 19.5
127.9 n.a. n.a. n.a.
593.1 150.2 75.0 36.7
-168.9 41.3 7.5 3.8

n.a. n.a. n.a. n.a.
16.3 4.4 1.1 -6.2
29.2 1.2 -0.5 -192.7
469.7 197.1 83.1 -158.4
29.7 3.2 1.9 0.7
563.4 147.0 73.1 36.0
245.0 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
6,316.8 n.a. n.a. n.a.
11,970.7 n.a. n.a. n.a.
0.0 12,501.0 7,373.1 6,429.5
672.3 629.1 546.1 466.3
17,615.2 11,871.9 6,827.0 5,963.2
18,287.5 12,501.0 7,373.1 6,429.5
877.8 818.4 730.1 726.2
n.a. n.a. n.a. n.a.
4,978.2 4,107.2 2,332.6 1,615.7

n.a. n.a. n.a. n.a.
688.5 110.2 91.6 58.4
29.7 22.2 7.9 3.8
2,737.5 2,716.1 1,328.1 935.5
375.8 446.8 388.1 230.2
14.9 21.2 10.1 8.4
n.a. n.a. n.a. n.a.
3,846.4 3,316.5 1,825.8 1,236.3
909.5 805.8 579.1 345.5
n.a. n.a. n.a. n.a.
57.9 65.3 25.8 n.a.
27.9 21.2 27.0 23.4
3.5 5.1 20.0 0.0
26,529.1 19,387.2 11,058.2 8,838.6
1,347.2 1,045.5 738.3 805.8

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
286.8 233.2 153.5 172.7
1,223.8 1,268.3 27.7 42.7
425.2 63.2 51.3 49.7
23.8 41.9 17.9 16.6
36.3 35.7 3.1 2.2
n.a. n.a. n.a. n.a.
385.4 244.5 113.0 115.0
30,257.6 22,319.5 12,163.0 10,043.3
20,069.5 16,015.9 9,784.1 7,922.4
n.a. n.a. n.a. n.a.
625.4 n.a. n.a. n.a.
20,694.9 16,015.9 9,784.1 7,922.4
2,709.4 752.0 209.3 119.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
23,404.3 16,767.9 9,993.4 8,041.5
973.0 519.4 293.5 297.0

518.6 624.0 364.2 365.8
n.a. n.a. n.a. n.a.
1,491.6 1,143.4 657.7 662.8
51.3 15.7 6.3 3.4
n.a. n.a. n.a. n.a.
24,947.2 17,927.0 10,657.4 8,707.7
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
219.8 196.5 165.1 143.4
58.0 158.2 25.8 16.2
128.8 28.7 12.5 14.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
557.9 519.1 438.1 395.5
778.3 475.3 210.6 185.3
26,690.0 19,304.8 11,509.5 9,462.1
85.4 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
3,434.6 2,796.9 561.0 498.2

92.6 139.4 61.0 59.6
-116.3 52.6 11.3 3.8
n.a. n.a. n.a. n.a.
71.3 25.8 20.2 19.6
3,482.2 3,014.7 653.5 581.2

30,257.6 22,319.5 12,163.0 10,043.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
9.20 8.04 7.99 7.27

4.52 3.51 3.24 2.97
6.93 5.85 6.01 5.98

4.37 3.32 3.27 2.99
2.86 2.68 2.91 3.06

2.45 2.08 2.13 2.13
2.86 2.68 2.91 3.06
42.46 31.74 31.50 30.61

45.13 52.88 56.27 60.66
1.96 1.86 2.26 2.51
19.29 20.68 31.15 27.63
2.40 1.67 1.78 1.65
15.32 32.23 41.32 52.63
16.33 14.01 18.28 13.09

2.03 1.13 1.04 0.78
15.37 16.83 28.30 34.70
3.34 1.89 2.71 n.a.
2.83 1.28 1.59 n.a.
17.63 12.36 12.18 6.66

2.19 1.00 0.69 0.40
13.97 16.22 13.49 -28.76
1.74 1.31 0.77 -1.72
n.a. n.a. n.a. n.a.
3.05 1.13 1.06 n.a.

2.42 1.49 1.17 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
6.29 7.90 4.74 4.89
9.22 11.46 10.51 n.a.
11.17 14.39 11.93 13.40
n.a. n.a. n.a. n.a.
11.51 13.51 5.37 5.79
41.31 n.a. n.a. n.a.
52.16 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

10.00 4.98 11.48 6.31
35.57 83.50 21.11 15.81

46.29 69.55 14.68 12.65
4.80 6.55 9.90 11.29
3.68 5.03 7.41 7.25
76.59 76.87 74.80 64.21
5.90 6.28 28.16 44.72
0.63 0.92 1.13 1.22

0.30 1.57 0.44 n.a.
4.80 6.55 9.90 11.29
88.37 78.05 75.36 81.16

183.74 546.17 n.s. n.s.
83.13 89.42 91.86 91.02
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,060.8 n.a. n.a. n.a.

166.3 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

125.9 n.a. n.a. n.a.
31,610.6 22,319.5 12,163.0 10,043.3
19,438.8 13,265.2 7,081.0 n.a.
n.a. n.a. n.a. n.a.
19,438.8 13,265.2 7,081.0 n.a.
15,611.5 8,818.8 7,019.4 6,577.2

23,675.6 13,429.6 10,215.2 8,643.3
27,039.9 15,030.0 10,793.7 9,213.4
n.a. n.a. n.a. n.a.
22,077.4 12,802.6 9,696.1 8,436.9
3,213.7 1,083.4 370.5 308.0
3,363.4 1,215.2 616.0 550.8
18,955.9 11,451.8 9,098.6 7,821.4
n.a. 3,615.2 2,605.8 n.a.

n.a. 1,526.3 519.6 n.a.
n.a. 2,963.6 1,490.8 n.a.
n.a. 4,395.9 2,210.8 n.a.
n.a. 60.4 76.5 n.a.

n.a. 63.5 286.6 n.a.
n.a. 690.5 1,146.3 n.a.
n.a. 38.3 n.a. n.a.
n.a. 4,892.6 2,763.8 1,318.2

n.a. 247.2 80.6 118.7
n.a. 12.8 0.2 n.a.
n.a. n.a. 0.0 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 13,512.5 8,440.3 n.a.

n.a. 1,771.6 1,176.0 n.a.
n.a. 731.8 167.8 n.a.
n.a. n.a. n.a. n.a.
n.a. 740.0 209.1 n.a.

n.a. 10.3 0.2 n.a.
n.a. 1.7 0.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. 303.6 n.a. n.a.
n.a. 215.8 293.5 n.a.
n.a. n.a. n.a. n.a.
n.a. 519.4 293.5 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
518.6 624.0 364.2 365.8
n.a. n.a. n.a. n.a.
593.1 150.2 75.0 36.7

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,482.2 3,014.7 653.5 581.2

0.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
3,482.2 3,014.7 653.5 581.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

1,223.8 1,268.3 27.7 42.7
425.2 63.2 51.3 49.7
36.3 27.5 1.4 2.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

42.7 85.4 85.4 85.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,436.5 709.2 560.6 478.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
855.9 402.5 295.2 232.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
238.0 110.2 91.6 58.4
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
215.9 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
453.9 110.2 91.6 58.4
1,785.9 1,856.6 1,029.8 701.4
514.8 304.5 110.2 68.9

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
436.8 555.0 188.1 165.2
n.a. n.a. n.a. n.a.
2,737.5 2,716.1 1,328.1 935.5
38.7 55.7 10.8 12.0
337.1 391.1 377.3 218.2

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
375.8 446.8 388.1 230.2
851.9 695.6 487.5 287.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
652.7 555.0 188.1 165.2
47.6 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
47.6 138.4 30.6 n.a.
397.3 119.3 120.8 93.1

275.1 509.8 425.3 373.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,698.3 2,577.0 270.6 265.6
n.a. n.a. n.a. n.a.

736.3 401.0 290.4 232.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. 181.1 n.a. n.a.
92.6 139.4 61.0 59.6
3,389.6 2,875.3 592.5 521.6
3,434.6 2,796.9 561.0 498.2
-116.3 52.6 11.3 3.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-116.3 52.6 11.3 3.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-116.3 52.6 11.3 3.8
n.a. n.a. n.a. n.a.
-116.3 52.6 11.3 3.8
0.0 n.a. n.a. n.a.
3,482.2 3,014.7 653.5 581.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 15.7 n.a.

245.0 n.a. n.a. n.a.
245.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
36.3 27.5 1.4 2.2
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
85.4 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 85.4 85.4 85.4
42.7 85.4 85.4 85.4
42.7 85.4 85.4 85.4
1,791.5 1,520.5 744.1 n.a.

2,171.7 1,908.8 844.6 22.9
9.22 11.46 10.51 n.a.
11.17 14.39 11.93 13.40
19,438.8 13,265.2 7,081.0 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
187.1 210.7 157.0 n.a.
3,846.4 3,316.5 1,825.8 1,236.3

n.a. n.a. n.a. n.a.
3,846.4 3,316.5 1,825.8 1,236.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
7,979 n.a. n.a. 3,494

n.a. n.a. n.a. n.a.
9.22 11.46 10.51 n.a.
n.a. n.a. n.a. n.a.
11.17 14.39 11.93 13.40
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
366.8 595.8 378.6 415.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
3.68 5.03 7.41 7.25

14.46 22.48 26.72 30.27
76.59 76.87 74.80 64.21
4.80 6.55 9.90 11.30
0.31 1.39 0.44 n.a.
6.89 59.86 19.83 n.a.
25.21 27.15 111.72 124.95
5.90 6.28 28.16 44.72
9.22 11.46 10.51 n.a.

11.17 14.39 11.93 13.40
11.51 13.51 5.37 5.79
19.77 25.39 9.57 9.75
14.88 17.98 6.54 7.23
13.31 16.14 5.86 6.39
13.51 16.30 8.37 9.43
23.20 30.65 14.91 15.88
17.46 21.70 10.18 11.78
15.61 19.48 9.13 10.41
12.69 17.15 35.79 38.63
2.95 2.37 2.98 3.22

2.58 2.09 2.67 2.83
1.91 0.99 1.25 1.27
2.39 2.09 2.91 3.33
2.10 0.99 1.01 0.77
-0.33 -0.12 -0.34 -0.38
2.26 0.87 0.68 0.39
18.26 8.19 12.15 6.61
41.31 n.a. n.a. n.a.
10.72 n.a. n.a. n.a.
-0.20 6.86 -10.67 -43.32
45.02 52.62 55.96 60.31
2.47 1.46 1.73 1.63
183.74 546.17 n.s. n.s.

58.22 53.19 56.13 59.38
75.27 70.80 68.32 74.16
72.11 68.61 66.33 71.49
29.97 31.39 31.65 30.84
28.71 30.42 30.72 29.73
Bank of Cyprus Public Company Limited-Bank of Cyprus Group
1599 NICOSIA BvD ID number CYC165

CYPRUS Index number 30823
Contact details
51 STASSINOS STREET AYIA PARASKEVI, STROVOLOS Phone number 357 (22) 84 21 00

Fax number 357 (22) 37 81 11
1599 NICOSIA Web Site Address www.bankofcyprus.com
CYPRUS
Bank History :
Established in 1899. On August 9, 1999, Bank of Cyprus Public Company Limited became the holding company of the
Bank of Cyprus Group instead of Bank of Cyprus (Holdings) Ltd through cancellation of the shares of Bank of Cyprus
(Holdings) Ltd and their replacement with the shares of Bank of Cyprus.
Accounting Standards International Financial Nickname BCYPHOLD
Types of accounts Cons. & Uncons.
available

(29/10/2012) World rank, 2011 410
shareholders
No of recorded 52
subsidiaries
Specialisation Investment Banks
Peer Group
Peer Group Name Investment Banks Europe (Excl. Eastern Europe)
Size 219
information.
Country ratings (CYPRUS, as at 30/10/2012)
information.
Long-Term Foreign Currency Rating BB+ 16/07/2012 Negative
Overall country rating B 01/08/2012
Banking sector rating B 01/08/2012 Stable
Global summary

Original Restated Original Original
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 27,366.9 27,725.5 25,635.7 24,449.3
Gross Loans 28,872.4 28,885.9 26,508.0 25,137.2
Derivatives 193.7 76.3 60.7 n.a.
Fixed Assets 473.2 418.8 406.3 419.4
Total Assets 37,475.1 42,637.7 39,411.4 36,107.2

Other Deposits and Short-term Borrowings n.a. 12.5 43.0 95.0
Other interest bearing liabilities 666.2 1,242.9 1,562.5 1,798.1
Derivatives 488.1 240.4 139.6 n.a.
Long term funding 178.1 1,002.5 1,422.9 1,798.1
Other (Non-Interest bearing) 873.5 981.4 950.1 1,084.7
Other Reserves n.a. n.a. n.a. n.a.
Equity 2,429.1 2,828.3 2,485.6 2,056.4
Notes
Impaired Loans (Memo) 2,951.0 2,114.0 1,483.0 955.2
Off Balance Sheet Items 0.0 0.0 0.0 6,212.0

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Interest Revenue 1,168.3 1,043.3 849.5 802.7
Net Gains (Losses) on Trading and Derivatives 2.4 67.3 -32.7 -57.7
Net Gains (Losses) on Assets at FV through Income -1.0 -1.1 2.7 -2.5
Statement
Overheads 736.1 724.9 674.2 551.7
Other -1,728.0 0.2 2.2 -6.5
Tax 26.0 46.0 43.2 72.9
Net Income -1,377.8 302.5 322.0 478.7
Dividend Paid 26.8 26.9 47.9 70.4

Tier 1 Ratio 7.50 11.30 10.60 7.27
Total Capital 1,925.1 3,128.5 2,805.4 2,379.4
Tier 1 Capital 1,848.7 2,955.8 2,534.5 1,540.6
Net-Charge Offs 23.0 224.3 39.7 10.4

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Interest Expense on Customer Deposits 818.8 822.9 915.6 1,015.3

Net Interest Income 1,168.3 1,043.3 849.5 802.7
Net Gains (Losses) on Trading and Derivatives 2.4 67.3 -32.7 -57.7
Statement
Net Insurance Income 61.2 59.4 62.8 61.1

Securities and Other Credit Impairment Charges 1,729.3 n.a. n.a. n.a.
Equity-accounted Profit/ Loss - Non-operating -1.4 -2.0 0.9 -10.4

Non-recurring Income n.a. 1.9 n.a. n.a.
Non-recurring Expense n.a. n.a. n.a. -0.3
Other Non-operating Income and Expenses 2.7 0.3 1.3 3.6
Pre-tax Profit -1,351.8 348.5 365.2 551.6
Tax expense 26.0 46.0 43.2 72.9
Profit/Loss from Discontinued Operations n.a. n.a. n.a. n.a.
Net Income -1,377.8 302.5 322.0 478.7

Revaluation of Fixed Assets 61.9 0.2 -3.1 n.a.
Currency Translation Differences -8.3 35.6 14.4 -149.3
Remaining OCI Gains/(losses) -1.4 1.3 -4.5 15.0
Fitch Comprehensive Income -1,187.8 77.2 435.6 181.6
Memo: Profit Allocation to Non-controlling Interests -7.2 -3.7 8.9 -23.7
Balance Sheet
Assets
Loans
Other Loans 28,872.4 28,885.9 26,508.0 25,137.2
Net Loans 27,366.9 27,725.5 25,635.7 24,449.3
Gross Loans 28,872.4 28,885.9 26,508.0 25,137.2
Memo: Impaired Loans included above 2,951.0 2,114.0 1,483.0 955.2
Reverse Repos and Cash Collateral 215.9 120.2 n.a. n.a.
Derivatives 193.7 76.3 60.7 n.a.
Held to Maturity Securities 1,204.1 1,022.9 93.1 479.6
Other Securities 1,056.8 1,801.7 320.9 n.a.
Memo: Government Securities included Above 1,184.8 1,490.0 n.a. n.a.
Memo: Total Securities Pledged 938.1 1,038.0 581.9 n.a.
Investments in Property 187.8 116.3 53.0 n.a.
Insurance Assets 504.6 561.7 541.6 447.7
Non-earning Assets
Memo: Mandatory Reserves included above 781.1 742.3 n.a. n.a.
Fixed Assets 473.2 418.8 406.3 419.4
Goodwill 327.2 333.1 314.2 345.2
Current Tax Assets 0.0 0.0 0.0 n.a.
Deferred Tax Assets 94.8 40.6 14.0 n.a.
Discontinued Operations 0.0 0.0 0.0 n.a.
Other Assets 392.8 243.3 200.4 383.0
Total Assets 37,475.1 42,637.7 39,411.4 36,107.2
Repos and Cash Collateral 786.0 913.1 n.a. n.a.
Other Deposits and Short-term Borrowings n.a. 12.5 43.0 95.0
Funding
Senior Debt Maturing after 1 Year 49.8 71.5 476.1 1,427.8
Total Long Term Funding 83.6 246.4 665.8 1,623.4
Derivatives 488.1 240.4 139.6 n.a.
Total Funding 34,078.0 38,071.9 35,218.6 32,791.4
Reserves for Pensions and Other n.a. n.a. n.a. n.a.
Current Tax Liabilities 16.8 0.0 13.8 n.a.
Deferred Tax Liabilities 74.7 51.8 39.3 n.a.
Insurance Liabilities 611.3 658.3 618.1 506.4
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as 862.2 0.0 0.0 n.a.
Equity
Equity
Common Equity 1,477.8 2,915.0 2,381.2 2,125.1
OCI
Total Equity 1,566.9 2,828.3 2,485.6 2,056.4
Memo: Fitch Core Capital 999.6 2,308.6 2,032.4 1,614.1
Memo: Fitch Eligible Capital 1,094.1 3,064.7 2,789.5 1,788.8
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
Fitch Comprehensive Income/ Average Total Equity -48.38 3.01 19.43 8.79
%
Fitch Comprehensive Income/ Average Total Assets -2.92 0.19 1.17 0.55
%
Net Income/ Av. Total Assets plus Av. Managed -3.39 0.73 0.86 n.a.
Securitized Assets%
Fitch Comprehensive Income/ Risk Weighted Assets -4.79 0.29 1.81 0.86
%
Capitalization
Core Tier 1 Regulatory Capital Ratio% 3.60 8.40 n.a. n.a.
Cash Dividends Paid & Declared/ Net Income% -1.95 8.89 14.88 14.71
Cash Dividend Paid & Declared/ Fitch -2.26 34.84 11.00 38.77
Loan Quality
%
Foreclosed Assets%
Funding
Reference Data
Managed Securitized Assets Reported Off-Balance 0.0 0.0 0.0 n.a.
Sheet
Other off-balance sheet exposure to securitizations 0.0 0.0 0.0 n.a.
Guarantees 0.0 0.0 0.0 1,920.0

balance sheet
Committed Credit Lines 0.0 0.0 0.0 4,206.9
Other Contingent Liabilities n.a. n.a. 0.0 42.7
Average Loans 29,224.1 27,780.7 25,417.3 22,163.7
Average Assets 40,630.0 41,386.9 37,285.7 32,864.8
Average Managed Assets Securitized Assets (OBS) 0.0 0.0 0.0 n.a.
Average Equity 2,455.3 2,561.5 2,242.2 2,067.0
Maturities
Loans & Advances < 3 months 7,571.5 5,982.5 n.a. n.a.
Loans & Advances 3 - 12 Months 3,663.9 3,930.6 n.a. n.a.
Loans and Advances 1 - 5 Years 7,128.3 8,574.9 n.a. n.a.
Loans & Advances > 5 years 9,003.2 9,237.4 n.a. n.a.

Interbank < 3 Months 2,564.9 4,842.4 n.a. n.a.

Interbank 3 - 12 Months 17.0 422.0 n.a. n.a.
Interbank 1 - 5 Years 45.4 0.1 n.a. n.a.
Interbank > 5 Years 0.5 0.1 n.a. n.a.




Net Income -1,377.8 302.5 322.0 478.7
Published Net Income -1,377.8 302.5 322.0 478.7
Equity 1,566.9 2,828.3 2,485.6 2,056.4
Add: Pref. Shares and Hybrid Capital accounted for 862.2 0.0 0.0 n.a.
as Equity
Published Equity 2,429.1 2,828.3 n.a. n.a.

interests)
on the B/S- CC only
Goodwill 327.2 333.1 314.2 345.2
securitizations
Fitch Core Capital 999.6 2,308.6 2,032.4 1,614.1
Fitch Eligible Capital 1,094.1 3,064.7 2,789.5 1,788.8

Assets
Total Interest Expense on Customer Deposits 818.8 822.9 915.6 1,015.3
Borrowing
Securities
breakdown)
Income Statement
Trading Assets - Other n.a. n.a. n.a. 2.6
Statement
breakdown)
AFS Assets - Government n.a. n.a. n.a. 835.9
Total AFS Assets 1,253.5 2,320.2 4,168.1 3,053.7

Total HTM Debt Securities 1,204.1 1,022.9 93.1 479.6
Asset Quality Data

Net Charge-offs
Gross Charge-offs 26.5 229.0 52.6 33.6
Recoveries 3.5 4.7 12.9 23.2
Net Charge-offs 23.0 224.3 39.7 10.4
Reserves
Collective/General Loan Impairment Reserves 311.3 287.3 n.a. 236.0
Individual/Specific Loan Impairment Reserves 1,194.2 873.1 n.a. 452.0

Capital
Eligible Capital

Retained Earnings -585.3 868.5 1,084.1 877.2
dividends
Treasury Shares 6.7 8.3 -13.3 n.a.
Valuation Reserves for PP&E/Fixed Assets in OCI 161.2 100.3 101.6 104.7
Valuation Reserves in OCI - Other 88.7 83.7 74.6 79.1
Total Valuation Reserves in OCI 4.7 -191.7 29.6 -84.0
Cash Flow Hedge Reserve n.a. 1.3 0.0 6.8
Total OCI Reserves 4.7 -190.4 29.6 -77.2
Total Other Equity Reserves 4.7 -190.4 29.6 -77.2
Hybrid Securities Reported in Equity 862.2 0.0 0.0 n.a.
Interests
absorbing
Component of Convertible Bond Reported in Equity 5.3 12.4 12.4 5.2

Total Dividends Related to Period 26.8 n.a. n.a. n.a.
Deferred Tax Assets to be Deducted from Core 94.8 40.6 n.a. n.a.
Capital
Regulatory Capital
Risk Weighted Assets - Credit Risk 22,391.1 23,854.9 21,522.4 n.a.

Risk Weighted Assets - Market Risk 3.5 2.6 94.1 n.a.
Risk Weighted Assets - Operational Market Risk 2,395.3 2,419.2 2,448.4 n.a.
II
Capital
Pledged Securities 938.1 1,038.0 581.9 n.a.
deposits
banks

loans

Total Exposure to Central Bank 1,158.9 2,047.3 n.a. 169.5
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 7.50 11.30 10.60 7.27
Equity / Net Loans 8.88 10.20 9.70 8.41
Operations
Pre-Tax Op Inc / Avg Assets 0.94 0.85 0.96 1.65
Dividend Pay-Out -1.95 8.89 14.88 14.71
Inc Net Of Dist / Avg Equity -53.43 10.37 12.07 18.77
Non Op Items / Net Income 125.42 0.07 0.68 -1.36
Liquidity
Interbank Ratio 73.83 116.55 104.88 149.88
General information

ISIN number: CY0000100111
Ticker symbol: BOCY
Stock exchange(s) listed: Cyprus Stock Exchange

Athens Stock Exchange
Boerse Berlin
Boerse Frankfurt
Boerse Stuttgart
IPO date: 3/29/1996

Market price - March 0.47 2.55 4.70 2.28 7.50 n.a.
Market price - April 0.45 2.46 4.34 3.00 8.80 n.a.
Market price - May 0.28 2.17 3.67 4.89 8.94 n.a.
Market price - October n.a. 1.01 3.40 5.50 4.06 13.46

Price trends (%)


Date News
1 11/07/2012 Bank of Cyprus Public Company increases its stake in Cypriot
Hellenic Bank following rights issue (deal no. 1601357827)
2 04/07/2012 Orphanides Public Company's subsidiary sells shareholding in
Elias Houry Estates to Bank of Cyprus Public Company (deal no.
1601384036)
3 25/06/2012 Bank of Cyprus transfers London operations to new subsidiary

(deal no. 1601376692)
4 17/04/2012 The Bank of Cyprus Group announces enlarged share capital
following rights issue (deal no. 1601314704)
5 17/04/2012 The Bank of Cyprus Group announces new enlarged share
capital following convertible loan note issue (deal no.
1601314727)
6 01/03/2012 Bendigo and Adelaide Bank completes acquisition of Bank of

Cyprus Australia from Bank of Cyprus Public Company (deal no.
1633056886)
7 16/12/2011 BEN to buy Bank of Cyprus’s Australian unit (deal no.

1633056886)
8 29/06/2011 Bank of Cyprus issues new shares (deal no. 1601283864)
9 11/05/2011 ESU acquires stake in Ukrtelekom (deal no. 95469)
10 22/10/2010 Bank of Cyprus completes rights offering (deal no. 1601202254)
11 21/09/2010 Odella Resources has taken a minority stake in Bank of Cyprus

(deal no. 1601218121)
12 21/09/2010 Odella Resources has taken a minority stake in Bank of Cyprus
Public Company (deal no. 1601218106)
13 15/07/2010 Bank of Cyprus Public Company will absorb Mortgage Bank of
Cyprus' business (deal no. 1601203502)
14 16/06/2010 Bank of Cyprus decides against increasing stake in Banca
Transilvania (deal no. 1601188928)
15 09/06/2010 Renessans Kapital has acquired LidBank (deal no. 1601102982)
16 16/12/2009 Bank of Cyprus has acquired a minority stake in Banca

Transilvania (deal no. 1601145382)
17 07/09/2009 Lizingovaya Kompaniya Yuniastrum Lizing acquires Saiprus
Lizing in restructuring deal (deal no. 1601110937)
18 27/07/2009 Bank of Cyprus prolongs the agreement with Mr George Piskov
and Mr Gagik Zakarian (deal no. 653932)
19 10/07/2009 Bank of Cyprus Public Company issued shares (deal no.
1601094464)
20 11/06/2009 Bank of Cyprus completes capital increase (deal no.
1601055727)
21 01/06/2009 Lone Pine Capital sold Bank of Cyprus shares (deal no.
1601083856)
22 03/03/2009 Mr Theodoros Aristodimou has taken a minority stake in Bank of
Cyprus (deal no. 1601206819)
25 19/12/2008 Bank of Cyprus in capital increase (deal no. 1601045667)
Cyprus Public Company (deal no. 1601205401)
27 03/11/2008 Bank of Cyprus Public Company Ltd has acquired majority stake
in Uniastrumbank KB (deal no. 653929)
28 24/10/2008 Lone Pine Capita has taken a minority stake in Bank of Cyprus
31 27/08/2008 Morgan Stanley acquires stake in the Bank of Cyprus (deal no.
1601204865)
32 19/08/2008 Armonia Estates has taken a minority stake in Bank of Cyprus
33 24/06/2008 Optronics Technologies receives approval for IPO on the Athens
Stock Exchange (deal no. 653114)
34 03/06/2008 Entersoft debuts on the Athens Stock Exchange (deal no.
646933)
35 27/05/2008 Mr Theodoros Aristodimou acquires stake in the Bank of Cyprus
(deal no. 645811)
(deal no. 645815)
37 26/05/2008 The Bank of Cyprus acquires majority stake in AvtoZAZBank
(deal no. 537591)
(deal no. 645817)
(deal no. 644450)
41 20/05/2008 Mr Christakis Christofides has taken a minority stake in Bank of
42 30/04/2008 Bank of Cyprus completes convertible bond issue (deal no.
1601011742)
43 14/04/2008 Lone Pine Capital increases its stake in the Bank of Cyprus (deal
no. 645819)
44 14/04/2008 Lone Pine Capital acquires stake in the Bank of Cyprus (deal no.
1601204873)
1601204863)
1601204860)
1601204862)
1601204871)
Source : Zephyr

00
11
prus.com
pany of the
of Cyprus
ope)
ager for more
ager for more
Watch
Watch
IFRS IFRS IFRS IFRS

Original Restated Restated Original
31/12/2007 31/12/2006 31/12/2005 31/12/2004
18,920.9 14,336.3 11,933.3 10,216.2

19,499.9 15,125.2 12,640.3 11,021.0
579.0 788.9 707.0 804.8
10,910.4 8,887.2 8,416.0 5,967.5
6,158.3 4,265.2 4,405.3 2,582.7
55.5 43.1 13.9 n.a.
4,087.3 4,010.6 3,476.3 3,050.6
609.3 568.3 520.5 334.2
29,831.3 23,223.5 20,349.3 16,183.7
319.7 263.0 272.8 269.1
1,612.2 1,410.2 1,251.8 1,077.5
31,763.2 24,896.7 21,873.9 17,530.3
27,016.3 21,344.0 18,628.1 15,014.0

25,179.0 20,726.0 18,324.0 14,789.5
1,669.0 471.6 304.1 224.5
168.3 146.4 n.a. n.a.
1,515.0 1,013.5 1,191.8 882.0
30.7 29.0 21.6 n.a.
n.a. n.a. n.a. n.a.
1,484.3 984.5 1,170.2 882.0
928.4 821.5 743.4 674.6
n.a. n.a. n.a. n.a.
9.4 9.8 9.2 4.3
2,294.1 1,707.9 1,301.4 955.4
31,763.2 24,896.7 21,873.9 17,530.3
741.0 836.5 1,023.8 1,163.4

579.0 788.9 707.0 804.8
7,819.1 5,710.7 5,603.1 3,496.5
82.0 70.4 1.2 22.7
5,169.2 4,185.5 3,691.5 3,238.6
n.a. n.a. n.a. n.a.

399.5 389.2 627.0 631.8

31/12/2007 31/12/2006 31/12/2005 31/12/2004
757.0 614.3 478.6 420.4
349.5 285.1 232.3 191.0
19.0 11.7 7.3 -5.2
-0.3 -6.2 -2.1 -5.3
198.2 173.1 153.3 146.8

132.6 106.5 73.8 54.7
486.0 424.1 406.4 389.4
55.9 99.6 155.7 143.0
17.7 7.9 5.8 8.1
582.3 383.6 154.6 87.1
91.8 70.8 30.9 21.2
490.5 312.8 123.7 65.9
1,106.5 899.4 710.9 611.4
n.a. n.a. n.a. n.a.
12.70 12.10 14.10 13.70

9.70 9.10 9.80 9.00
2,200.5 1,782.2 1,790.6 1,466.0
1,677.8 1,337.2 1,242.2 965.4
53.1 n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1,436.6 1,064.3 909.1 781.9

292.2 221.0 125.1 93.2
4.6 1.7 0.7 0.3
1,733.4 1,287.0 1,034.9 875.4
811.9 560.1 516.7 423.4

164.5 112.6 39.6 31.6
976.4 672.7 556.3 455.0
757.0 614.3 478.6 420.4
19.0 11.7 7.3 -5.2

19.0 20.2 5.1 -2.7
-0.3 -6.2 -2.1 -5.3
56.4 45.1 40.0 30.9

198.2 173.1 153.3 146.8
57.2 41.2 28.7 26.5
349.5 285.1 232.3 191.0
295.6 266.4 258.5 236.5
190.4 157.7 147.9 152.9
486.0 424.1 406.4 389.4
n.a. n.a. n.a. n.a.

620.5 475.3 304.5 222.0
55.9 99.6 155.7 143.0
8.5 n.a. n.a. n.a.
556.1 375.7 148.8 79.0
9.2 0.0 n.a. n.a.

n.a. n.a. 5.3 4.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
17.0 7.9 0.5 4.0
582.3 383.6 154.6 87.1
91.8 70.8 30.9 21.2
n.a. n.a. n.a. n.a.
490.5 312.8 123.7 65.9
-9.9 0.3 56.1 1.0

n.a. n.a. n.a. n.a.
1.2 0.6 -5.0 4.1
32.1 5.8 5.7 5.1
513.9 319.5 180.5 76.1
5.3 0.0 0.0 n.a.
485.2 312.8 123.7 65.9

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
19,499.9 15,125.2 12,640.3 11,021.0
579.0 788.9 707.0 804.8
18,920.9 14,336.3 11,933.3 10,216.2
19,499.9 15,125.2 12,640.3 11,021.0
741.0 836.5 1,023.8 1,163.4
n.a. n.a. n.a. n.a.
6,158.3 4,265.2 4,405.3 2,582.7

n.a. n.a. n.a. n.a.
335.6 276.3 152.6 163.2
55.5 43.1 13.9 n.a.
3,608.9 3,729.9 3,319.3 2,423.3
125.5 4.4 4.4 464.1
17.3 0.0 n.a. n.a.
n.a. n.a. n.a. n.a.
4,142.8 4,053.7 3,490.2 3,050.6
n.a. 1,719.9 1,572.9 1,309.3
n.a. n.a. n.a. n.a.
35.4 38.3 34.9 n.a.
573.9 530.0 468.2 334.2
0.0 0.0 17.4 0.0
29,831.3 23,223.5 20,349.3 16,183.7
1,325.2 1,169.2 1,045.2 750.6

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
319.7 263.0 272.8 269.1
1.2 1.2 1.2 1.2
80.8 69.2 n.a. 21.5
n.a. n.a. n.a. n.a.
2.7 4.6 3.8 n.a.
n.a. n.a. n.a. n.a.
202.3 166.0 201.6 304.2
31,763.2 24,896.7 21,873.9 17,530.3
3,647.0 2,834.4 2,313.6 1,771.4

1,771.5 1,760.5 1,274.6 1,048.2
19,760.5 16,131.1 14,735.8 11,969.9
25,179.0 20,726.0 18,324.0 14,789.5
1,669.0 471.6 304.1 224.5
n.a. n.a. n.a. n.a.
168.3 146.4 n.a. n.a.
27,016.3 21,344.0 18,628.1 15,014.0
1,084.8 595.3 543.2 250.2

399.5 389.2 627.0 631.8
n.a. n.a. n.a. n.a.
1,484.3 984.5 1,170.2 882.0
30.7 29.0 21.6 n.a.
n.a. n.a. n.a. n.a.
28,531.3 22,357.5 19,819.9 15,896.0
-19.5 -0.3 -4.1 n.a.

n.a. n.a. n.a. n.a.
9.4 9.8 9.2 4.3
26.3 20.3 7.9 10.9
45.4 25.3 13.8 10.8
9.7 4.4 2.1 3.4
n.a. n.a. n.a. n.a.
608.6 561.4 456.0 377.1
257.9 210.4 267.7 272.4
29,469.1 23,188.8 20,572.5 16,574.9
n.a. n.a. n.a. n.a.
288.8 162.3 n.a. n.a.
1,779.8 1,384.5 1,146.1 863.0

39.1 0.0 n.a. 0.0
47.5 57.4 57.1 1.0
n.a. n.a. n.a. n.a.
138.9 103.7 98.2 91.4
2,005.3 1,545.6 1,301.4 955.4

31,763.2 24,896.7 21,873.9 17,530.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
8.32 7.61 7.87 7.72

3.58 2.89 3.20 2.95
6.57 5.89 5.80 5.53

3.86 3.19 3.17 2.98
2.87 2.81 2.68 2.66

2.66 2.35 1.81 1.75
2.87 2.81 2.68 2.66
31.59 31.70 32.68 31.24

43.92 47.15 57.17 63.69
1.72 1.81 2.12 2.35
34.63 32.76 28.59 24.11
2.20 2.03 1.59 1.34
10.38 20.96 51.13 64.41
31.03 25.89 13.97 8.58

1.97 1.60 0.77 0.48
15.77 18.46 19.99 24.34
3.57 3.21 2.39 2.08
3.20 2.54 1.17 0.74
27.37 21.56 11.61 7.16

1.74 1.34 0.64 0.40
28.68 22.02 16.95 8.27
1.82 1.36 0.94 0.46
n.a. n.a. n.a. n.a.
2.83 2.12 0.97 0.62

2.96 2.16 1.42 0.71
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
6.07 5.94 5.94 5.33
9.70 9.10 9.80 9.00
12.70 12.10 14.10 13.70
n.a. n.a. n.a. n.a.
6.31 6.21 5.95 5.45
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

24.46 20.24 9.51 6.90
27.58 13.82 24.78 15.63

28.92 19.66 14.69 13.38
3.80 5.53 8.10 10.56
2.97 5.22 5.59 7.30
78.14 94.31 69.06 69.18
8.08 3.08 24.34 37.53
0.32 0.71 1.35 1.41

0.31 n.a. n.a. n.a.
3.80 5.53 8.10 10.56
77.45 72.98 68.98 74.52
368.98 904.41 n.s. n.s.
88.35 92.82 92.55 93.04
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,700.3 n.a. n.a. n.a.

51.4 1,464.8 1,317.0 1,214.1
3,341.3 2,657.0 2,290.6 1,957.7

76.2 63.7 83.9 66.8
36,932.4 29,082.2 25,565.4 20,768.9
17,356.7 14,787.9 12,741.0 10,687.3
n.a. n.a. n.a. n.a.
17,356.7 14,787.9 12,741.0 10,687.3
17,270.2 13,989.8 11,544.3 10,128.8

26,370.5 21,867.9 17,828.6 15,818.7
28,182.8 23,424.5 19,206.2 16,577.2
n.a. n.a. n.a. n.a.
25,293.3 21,072.4 17,551.7 15,266.5
1,594.2 1,355.7 641.0 679.9
1,791.9 1,450.9 1,065.1 920.6
22,697.0 19,378.9 16,155.1 14,376.3
n.a. n.a. 3,840.3 n.a.

n.a. n.a. 1,251.9 n.a.
n.a. n.a. 3,402.5 n.a.
n.a. n.a. 3,438.6 n.a.
n.a. n.a. 120.6 n.a.

n.a. n.a. 356.8 n.a.
n.a. n.a. 2,846.4 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 4,952.3 n.a.

n.a. n.a. 68.5 n.a.
n.a. n.a. 429.6 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 16,010.2 n.a.

n.a. n.a. 2,027.3 n.a.
n.a. n.a. 286.5 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 278.3 n.a.

n.a. n.a. 25.5 n.a.
n.a. n.a. 0.5 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. 249.8 n.a.
n.a. n.a. 293.5 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 543.3 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
399.5 389.2 627.0 631.8
n.a. n.a. n.a. n.a.
490.5 312.8 123.7 65.9

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,005.3 1,545.6 1,301.4 955.4

288.8 162.3 n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
2,005.3 1,545.6 1,301.4 955.4
-19.5 -0.3 -4.1 n.a.
n.a. 0.0 n.a. 0.0

1.2 1.2 1.2 1.2
80.8 69.2 n.a. 21.5
n.a. 0.3 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

288.8 162.3 162.3 158.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,436.6 1,064.3 909.1 781.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
811.9 560.1 516.7 423.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
272.2 270.5 n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
60.8 5.8 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

2.6 0.0 n.a. n.a.
335.6 276.3 n.a. n.a.
2,069.5 2,185.3 1,715.1 1,265.6
1,459.6 1,464.6 1,572.9 1,133.5

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
79.8 80.0 31.3 24.3
n.a. n.a. n.a. n.a.
3,608.9 3,729.9 3,319.3 2,423.3
121.7 4.4 4.4 288.2
3.8 n.a. n.a. 175.8

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
125.5 4.4 4.4 464.1
1,463.4 1,464.6 1,572.9 1,309.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
143.2 85.8 31.3 24.3
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
53.1 n.a. n.a. n.a.
194.6 237.0 207.3 n.a.

384.4 551.9 499.8 576.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,172.1 1,056.4 998.0 805.4
0.0 3.6 3.6 n.a.

607.7 324.5 144.5 57.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
39.1 0.0 n.a. 0.0
1,966.2 1,545.6 1,301.4 955.4
1,779.8 1,384.5 1,146.1 863.0
47.5 57.4 57.1 1.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
40.3 47.5 40.5 35.5
87.8 104.9 97.6 36.5
1.0 -0.9 0.0 -6.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
88.8 104.0 97.6 30.3
n.a. n.a. n.a. n.a.
88.8 104.0 97.6 30.3
288.8 162.3 n.a. n.a.
2,294.1 1,707.9 1,301.4 955.4
n.a. 0.0 n.a. 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 0.3 n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
288.8 162.3 162.3 158.6
288.8 162.3 162.3 158.6
288.8 162.3 162.3 158.6
1,677.8 1,337.2 1,242.2 965.4

2,200.5 1,782.2 1,790.6 1,466.0
9.70 9.10 9.80 9.00
12.70 12.10 14.10 13.70
17,356.7 14,787.9 12,741.0 10,687.3
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,142.8 4,053.7 3,490.2 3,050.6

n.a. n.a. n.a. n.a.
4,142.8 4,053.7 3,490.2 3,050.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. 6,192 n.a. 5,890

n.a. n.a. n.a. n.a.
9.70 9.10 9.80 9.00
n.a. n.a. n.a. n.a.
12.70 12.10 14.10 13.70
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
359.7 1,033.0 939.4 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.97 5.22 5.59 7.30

7.38 16.21 32.53 34.02
78.14 94.31 69.06 69.18
3.80 5.53 8.10 10.56
0.31 n.a. n.a. n.a.
9.72 n.a. n.a. n.a.
32.30 48.98 78.67 121.77
7.06 2.79 24.34 37.53
9.70 9.10 9.80 9.00

12.70 12.10 14.10 13.70
7.22 6.86 5.95 5.45
12.13 11.91 10.91 9.35
8.49 8.00 6.99 6.36
7.89 7.49 6.53 5.99
8.48 8.42 8.82 9.05
14.24 14.63 16.16 15.54
9.97 9.83 10.35 10.57
9.27 9.20 9.67 9.96
14.83 18.56 32.51 39.81
2.85 2.82 2.62 2.82

2.67 2.63 2.43 2.57
1.23 1.22 1.18 1.17
1.91 2.24 2.85 3.26
1.99 1.61 0.76 0.48
-0.26 -0.27 -0.13 -0.08
1.73 1.34 0.63 0.40
24.51 20.79 10.96 7.13
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3.61 2.53 4.69 12.29
43.92 47.15 57.17 63.69
2.19 2.03 1.55 1.36
368.98 904.41 n.s. n.s.

59.57 57.58 54.56 58.28
70.04 67.17 64.06 68.04
67.26 65.26 62.18 66.93
28.94 26.76 30.08 23.29
27.80 26.00 29.19 22.91
Deutsche Bank AG
60325 FRANKFURT AM MAIN BvD ID number DE13216

GERMANY Index number 13216
Contact details
TAUNUSANLAGE 12 Phone number 49 (69) 910 33 408

Fax number 49 (69) 910 33 422
60325 FRANKFURT AM MAIN Web Site Address www.deutsche-bank.de
GERMANY
Bank History :
Established on May 2, 1957 through the merger of the Deutsche Bank A.G. West, the Norddeutsche Bank and the
Süddeutsche Bank. In October 1998, absorbed Deutsche Bank de Bary NV. In August 2003, absorbed Deutsche Bank
Trust AG Private Banking In May 2008, absorbed Schiffshypothekenbank zu Luebeck AG.
Accounting Standards International Financial Nickname DEUTIAS
Reporting Standards (IFRS) Source Annual reports
Name of the Auditor KPMG Deutsche Treuhand- Model ALLBANKS
Gesellschaft
available
Latest total assets 2,164,103 mil EUR Ranking (Country), 2011 1

Latest net income 4,326 mil EUR Ranking (Country), rolling 1
(29/10/2012) World rank, 2011 1
shareholders
No of recorded 5,359
subsidiaries
Peer Group
Size 1,150
information.
Country ratings (GERMANY, as at 30/10/2012)
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 412,514.0 407,729.0 258,105.0 269,281.0
Gross Loans 416,676.0 411,892.0 261,448.0 271,219.0
Other Earning Assets 1,548,949.0 1,299,529.0 1,089,489.0 1,759,916.0
Derivatives 859,582.0 657,780.0 596,410.0 1,224,493.0
Remaining earning assets n.a. n.a. 0.0 0.0
Total Earning Assets 1,961,463.0 1,707,258.0 1,347,594.0 2,029,197.0
Fixed Assets 5,509.0 5,802.0 2,777.0 3,712.0
Total Assets 2,164,103.0 1,905,630.0 1,500,664.0 2,202,423.0

Other interest bearing liabilities 1,110,798.0 928,069.0 811,868.0 1,477,714.0
Derivatives 838,817.0 647,171.0 576,973.0 1,181,617.0
Trading Liabilities 71,312.0 76,757.0 64,501.0 68,168.0
Other Reserves 2,621.0 2,204.0 1,307.0 1,418.0
Equity 54,660.0 50,392.0 37,969.0 31,914.0
Total Liabilities & Equity 2,164,103.0 1,905,630.0 1,500,664.0 2,202,423.0
Notes
Off Balance Sheet Items 201,648.0 211,037.0 n.a. 92,021.0

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Other Operating Income 17,969.0 15,241.0 15,757.0 -637.0
Net Gains (Losses) on Trading and Derivatives 2,608.0 3,615.0 5,898.0 -33,818.0
Net Gains (Losses) on Assets at FV through Income 309.0 -304.0 1,475.0 23,477.0
Statement
Remaining Operating Income 3,508.0 1,261.0 -527.0 -45.0
Overheads 25,999.0 23,318.0 20,120.0 17,570.0
Loan Loss Provisions 1,839.0 1,274.0 2,630.0 1,076.0
Other -2,186.0 -2,257.0 -264.0 1,089.0
Profit before Tax 5,390.0 3,975.0 5,202.0 -5,741.0
Tax 1,064.0 1,645.0 244.0 -1,845.0
Net Income 4,326.0 2,330.0 4,958.0 -3,896.0
Dividend Paid 691.0 697.0 466.0 309.0

Tier 1 Ratio 12.90 12.30 12.60 10.10
Total Capital 55,226.0 48,688.0 37,929.0 37,396.0
Tier 1 Capital 49,047.0 42,565.0 34,406.0 31,094.0
Net-Charge Offs 897.0 1,300.0 1,056.0 778.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 148.0 137.0 91.0 312.0

Net Gains (Losses) on Other Securities 123.0 201.0 -403.0 -659.0
Net Gains (Losses) on Assets at FV through Income 309.0 -304.0 1,475.0 23,477.0
Statement
Net Insurance Income n.a. 0.0 n.a. n.a.
Other Operating Income 1,322.0 764.0 -183.0 568.0
Total Non-Interest Operating Income 15,906.0 14,945.0 15,698.0 -683.0
Equity-accounted Profit/ Loss - Operating 2,063.0 296.0 59.0 46.0

Pre-Impairment Operating Profit 9,415.0 7,506.0 8,096.0 -5,754.0
Loan Impairment Charge 1,839.0 1,274.0 2,630.0 1,076.0
Operating Profit 7,576.0 6,232.0 5,466.0 -6,830.0
Equity-accounted Profit/ Loss - Non-operating n.a. n.a. 0.0 0.0

Non-recurring Income n.a. n.a. n.a. 1,325.0
Non-recurring Expense 2,327.0 2,300.0 n.a. 585.0
Change in Fair Value of Own Debt 141.0 43.0 -264.0 349.0
Pre-tax Profit 5,390.0 3,975.0 5,202.0 -5,741.0
Tax expense 1,064.0 1,645.0 244.0 -1,845.0
Net Income 4,326.0 2,330.0 4,958.0 -3,896.0
Change in Value of AFS Investments -708.0 122.0 669.0 -4,490.0

Currency Translation Differences 1,291.0 914.0 107.0 n.a.
Remaining OCI Gains/(losses) 664.0 221.0 n.a. n.a.
Fitch Comprehensive Income 5,573.0 3,587.0 5,734.0 -8,386.0
Memo: Profit Allocation to Non-controlling Interests 194.0 20.0 -15.0 -61.0
Memo: Net Income after Allocation to Non- 4,132.0 2,310.0 4,973.0 -3,835.0
Balance Sheet
Assets
Loans
Other Mortgage Loans 46,143.0 44,120.0 n.a. n.a.
Other Consumer/ Retail Loans 38,657.0 35,115.0 n.a. n.a.
Other Loans 158,546.0 166,037.0 145,564.0 159,968.0
Net Loans 412,514.0 407,729.0 258,105.0 269,281.0
Gross Loans 416,676.0 411,892.0 261,448.0 271,219.0
Memo: Loans at Fair Value included above n.a. n.a. 12,964.0 18,739.0
Reverse Repos and Cash Collateral 201,655.0 186,080.0 160,293.0 9,267.0
Derivatives 859,582.0 657,780.0 596,410.0 1,224,493.0
Held to Maturity Securities 0.0 0.0 0.0 0.0
At-equity Investments in Associates 3,759.0 2,608.0 7,788.0 2,242.0
Other Securities n.a. n.a. n.a. 35,022.0
Total Securities 1,386,949.0 1,207,152.0 1,042,256.0 1,695,177.0
Memo: Government Securities included Above 17,746.0 n.a. 7,318.0 6,675.0
Memo: Total Securities Pledged 95,748.0 104,471.0 97,646.0 n.a.
Other Earning Assets n.a. n.a. 0.0 0.0
Non-earning Assets
Fixed Assets 5,509.0 5,802.0 2,777.0 3,712.0
Goodwill 11,698.0 11,476.0 7,420.0 7,533.0
Other Intangibles 4,104.0 4,118.0 2,749.0 2,344.0
Current Tax Assets 1,870.0 2,249.0 2,090.0 3,512.0
Other Assets 154,794.0 149,229.0 121,538.0 137,829.0
Total Assets 2,164,103.0 1,905,630.0 1,500,664.0 2,202,423.0
Deposits from Banks n.a. n.a. n.a. n.a.
Funding
Other Funding 55,029.0 51,025.0 44,380.0 84,344.0
Derivatives 838,817.0 647,171.0 576,973.0 1,181,617.0
Total Funding 1,902,546.0 1,653,990.0 1,292,262.0 1,992,986.0
Fair Value Portion of Debt -197.0 -76.0 -30.0 -364.0
Reserves for Pensions and Other 2,621.0 2,204.0 1,307.0 1,418.0
Current Tax Liabilities 2,524.0 2,736.0 2,141.0 2,354.0
Deferred Tax Liabilities 1,789.0 2,307.0 2,157.0 3,784.0
Total Liabilities 2,097,099.0 1,842,988.0 1,452,118.0 2,160,780.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 55,371.0 51,444.0 40,427.0 35,554.0
Non-controlling Interest 1,270.0 1,549.0 1,322.0 1,211.0
Foreign Exchange Revaluation Reserves -1,166.0 -2,333.0 -3,521.0 -3,628.0
OCI
Total Equity 54,660.0 50,392.0 37,969.0 31,914.0
Total Liabilities and Equity 2,164,103.0 1,905,630.0 1,500,664.0 2,202,423.0
Memo: Fitch Core Capital 27,061.0 26,484.0 23,096.0 17,917.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Operating Profit/ Average Equity% 14.49 14.79 15.54 -19.23
Operating Profit/ Average Total Assets% 0.38 0.35 0.30 -0.33
Assets%
Operating Profit / Risk Weighted Assets% 1.99 1.80 2.00 -2.22
Net Income/ Average Total Equity% 8.27 5.53 14.09 -10.97
Net Income/ Average Total Assets% 0.22 0.13 0.27 -0.19
Fitch Comprehensive Income/ Average Total Equity 10.66 8.51 16.30 -23.61
%
Fitch Comprehensive Income/ Average Total Assets 0.28 0.20 0.31 -0.40
%
Net Income/ Av. Total Assets plus Av. Managed n.a. 0.13 n.a. n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% 1.13 0.67 1.81 -1.27
Fitch Comprehensive Income/ Risk Weighted 1.46 1.04 2.10 -2.73
Assets%
Capitalization
Cash Dividend Paid & Declared/ Fitch 12.40 19.43 8.13 -3.68
Net Income - Cash Dividends/ Total Equity% 6.65 3.24 11.83 -13.18
Loan Quality
%
Foreclosed Assets%
Funding
Interbank Assets/ Interbank Liabilities% n.a. n.a. n.a. n.a.
%
Reference Data
Managed Securitized Assets Reported Off-Balance n.a. 19,100.0 n.a. n.a.
Sheet
Guarantees n.a. n.a. n.a. 22,505.0

balance sheet
Committed Credit Lines 127,995.0 123,881.0 n.a. 69,516.0
Other Contingent Liabilities 73,653.0 68,056.0 n.a. n.a.
Total Business Volume 2,365,751.0 2,116,667.0 1,500,664.0 2,294,444.0
Fitch Adjustments to Weighted Risks. n.a. 0.0 n.a. n.a.
Average Loans 408,148.4 303,759.2 267,832.4 230,537.6
Average Earning Assets 1,780,640.8 1,581,108.2 1,647,278.2 1,847,831.2
Average Assets 2,008,830.4 1,792,027.8 1,839,788.4 2,096,838.8
Average Managed Assets Securitized Assets (OBS) n.a. 19,100.0 n.a. n.a.
Average Interest-Bearing Liabilities 1,726,349.8 1,529,016.0 1,607,775.6 1,755,637.0
Average Equity 52,285.6 42,131.0 35,175.6 35,512.6
Maturities





Net Income 4,326.0 2,330.0 4,958.0 -3,896.0
Add: Other Adjustments 0.0 0.0 0.0 n.a.
Published Net Income 4,326.0 2,330.0 4,958.0 -3,896.0
Equity 54,660.0 50,392.0 37,969.0 31,914.0
as Equity
Add: Other Adjustments 0.0 0.0 0.0 n.a.
Published Equity 54,660.0 50,392.0 37,969.0 n.a.

interests)
Fair value effect incl in own debt/borrowings at fv -197.0 0.0 -30.0 -364.0
on the B/S- CC only
Goodwill 11,698.0 11,476.0 7,420.0 7,533.0
Other intangibles 4,104.0 4,118.0 2,749.0 2,344.0
Deferred tax assets deduction 8,737.0 2,809.0 2,986.0 3,477.0
First loss tranches of off-balance sheet 2,863.0 4,850.0 1,033.0 279.0
securitizations
Fitch Core Capital 27,061.0 26,484.0 23,096.0 17,917.0
Eligible weighted Hybrid capital 11,597.5 11,350.2 9,898.3 7,678.7
Eligible Hybrid Capital Limit 11,597.5 11,350.2 9,898.3 7,678.7

Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 45,281.0 54,266.0 18,819.0 24,835.0

Total HTM Debt Securities 0.0 0.0 0.0 0.0
Asset Quality Data

Net Charge-offs
Gross Charge-offs 1,065.0 1,443.0 1,222.0 990.0
Recoveries 168.0 143.0 166.0 212.0
Net Charge-offs 897.0 1,300.0 1,056.0 778.0
Reserves
Collective/General Loan Impairment Reserves 2,150.0 1,653.0 1,314.0 961.0
Individual/Specific Loan Impairment Reserves 2,011.0 1,643.0 2,029.0 977.0
+90 Days past due n.a. 302.0 321.0 n.a.

Nonaccrual Loans n.a. 6,918.0 8,123.0 n.a.
Restructured Loans n.a. 1,215.0 469.0 n.a.
Capital
Eligible Capital
Legal Reserves n.a. n.a. n.a. 762.0

dividends
Treasury Shares 823.0 450.0 48.0 942.0
Valuation Reserves for FX in OCI -1,166.0 -2,333.0 -3,521.0 -3,628.0
Total Valuation Reserves in OCI -1,783.0 -2,446.0 -3,707.0 -4,483.0
Cash Flow Hedge Reserve -226.0 -179.0 -134.0 -346.0
Other OCI Reserves 28.0 24.0 61.0 -22.0
Total OCI Reserves -1,981.0 -2,601.0 -3,780.0 -4,851.0
Total Other Equity Reserves -1,981.0 -2,601.0 -3,780.0 -4,851.0
Hybrid Securities Reported in Equity n.a. 0.0 n.a. n.a.
Interests
Non-controlling Minority Interest - not loss- n.a. 0.0 n.a. n.a.
absorbing
Dividend Declared after Year-End n.a. n.a. n.a. 310.0

Deferred Tax Assets to be Deducted from Core 8,737.0 2,809.0 2,986.0 3,477.0
Capital
Intangibles to be deducted from Core Capital n.a. n.a. 2,749.0 2,344.0
Hybrid Capital Fitch Class E 12,344.0 12,250.0 10,577.0 9,847.0
Weighted Total of Fitch Hybrid Capital Classes 12,344.0 12,250.0 10,577.0 9,847.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 12,344.0 12,250.0 10,577.0 9,847.0
II
Risk Weighted Assets - Credit Risk 262,460.0 285,218.0 n.a. n.a.
Risk Weighted Assets - Market Risk 68,091.0 23,660.0 n.a. n.a.
Risk Weighted Assets - Operational Market Risk 50,695.0 37,326.0 n.a. n.a.
II
Capital
Pledged Securities 95,748.0 104,471.0 97,646.0 n.a.
Unencumbered Securities 1,291,201.0 1,102,681.0 944,610.0 1,695,177.0
deposits
banks

in loans
Number of Employees 100,996 102,062 n.a. 80,456

Number of Branches 3,078 3,083 n.a. 1,981
Total Exposure to Central Bank n.a. n.a. n.a. 9,267.0
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Net Inc Bef Ln Lss Prov 14.55 36.07 13.92 -27.59
Capital
Tier 1 Ratio 12.90 12.30 12.60 10.10
Equity / Net Loans 13.25 12.36 14.71 11.85
Operations
Pre-Tax Op Inc / Avg Assets 0.37 0.37 0.30 -0.33
Non Op Items & Taxes / Avg Ast -0.16 -0.23 -0.03 0.14
Return On Avg Assets (ROAA) 0.21 0.14 0.27 -0.19
Return On Avg Equity (ROAE) 8.24 5.27 14.19 -10.94
Dividend Pay-Out 15.97 29.91 9.40 -7.93
Inc Net Of Dist / Avg Equity 6.92 3.70 12.86 -11.81
Non Op Items / Net Income -50.53 -96.87 -5.33 -27.95
Liquidity
Interbank Ratio 265.43 200.05 199.83 84.95
General information


ISIN number: DE0005140008
Ticker symbol: DBK
Stock exchange(s) listed: Boerse Frankfurt

Boerse Berlin
Boerse Duesseldorf
Boerse Hamburg
Boerse Hannover
Boerse Munchen
Boerse Stuttgart
Borsa Italiana - MTA (Mercato Telematico Azionario)
Bucharest Stock Exchange
Budapest Stock Exchange
US Exchange
XETRA
Stock index information: DAX (DEUTSCHER AKTIENINDEX) - GERMANY
FTSE EUROTOP 100 - NETHERLANDS
NYSE COMPOSITE INDEX - UNITED STATES OF AMERICA
IPO date: 7/16/1976
Market price - May 29.11 41.41 48.55 47.35 68.99 112.95 89.55 63.18

Price trends (%)

BETA
Reference index 1: DAX (DEUTSCHER

AKTIENINDEX)
Reference index 2: MDAX PRICE INDEX

Reference index 3: GERMAN ENTREPRENEURIAL

TOTAL RETURN INDEX
Reference index 4: TECDAX PRICE INDEX

Reference index 5:

Date News
1 26/10/2012 Nuveen Long/Short Commodity Total Return Fund lists on NYSE
Amex (deal no. 1601415524)
2 25/10/2012 Zur Rose to acquire Celesio's DocMorris (deal no. 1601356136)
3 25/10/2012 Drax announces results of placing (deal no. 1601391652)

4 23/10/2012 HKEx announces issues convertible bonds (deal no.
1633097205)
5 23/10/2012 Nokia has completed convertible bonds issue (deal no.
1601413824)
6 22/10/2012 Permira to acquire Ancestry.com: Law firms investigate Ancestry
for possible breaches of fiduciary duty (deal no. 1601389684)
7 19/10/2012 Seadrill Partners lists on NYSE (deal no. 1601384240)

8 18/10/2012 Hyundai Rotem chooses advisors for IPO: report (deal no.
1633100795)
9 18/10/2012 Deutsche Bank may acquire car leasing business of permanent
tsb (deal no. 1601412640)
10 17/10/2012 Hyundai Rotem plans for IPO (deal no. 1633100795)
11 17/10/2012 MD Medical Group Investments begins trading on LSE (deal no.
1601402803)
12 17/10/2012 Shanghai Fosun Pharmaceutical lodges its prospectus of listing
on HKEX (deal no. 1633024506)
13 17/10/2012 Crédito Real lists on BMV (deal no. 1601406163)
14 16/10/2012 Deutsche Bank reduces stake in Enterprise Inns (deal no.
1601413075)
15 16/10/2012 Sale of Globaltrans Investment shares completed (deal no.
1601412151)
16 15/10/2012 Haim Saban in talks for Partner Communications stake (deal no.
1601340765)
17 15/10/2012 Government Properties Income Trust prices public offering (deal
no. 1601411737)
18 15/10/2012 Deutsche Bank acquires stake in Vimm-Bill-Dann (deal no.
1601411760)
19 15/10/2012 Softbank agrees to acquire Sprint Nextel: KDDI approached on
Sprint acquisition (deal no. 1601394418)
20 12/10/2012 Santander withdraws offer for Royal Bank of Scotland's UK-
based branch business (deal no. 1601112347)
21 12/10/2012 Indian Government may sell stake in Rashtriya Ispat Nigam via
follow on public offer (deal no. 1633100156)
22 11/10/2012 Softbank ‘looking at majority stake in Sprint Nextel’ (deal no.
1601394418)
23 11/10/2012 Prime Focus to get injection from Standard Chartered (deal no.
1633084187)
24 11/10/2012 Shutterstock lists on NYSE: Underwriters exercise overallotment
option (deal no. 1601366226)
25 11/10/2012 Standard Chartered Private Equity (Mauritius) III to invest in
Prime Focus (deal no. 1633084187)
26 11/10/2012 Ares Management agrees to acquire majority stake of Smart &
Final (deal no. 1601408835)
27 11/10/2012 American International Assurance to acquire ING Management
28 11/10/2012 Korea Resolution & Collection to sells stake in KEPCO (deal no.
1633099949)
29 09/10/2012 P3 to float (deal no. 1601409743)
30 09/10/2012 P3 planning to float on the London Stock Exchange (deal no.
1601409743)
31 09/10/2012 B&G Foods completes public offering (deal no. 1601407460)
32 09/10/2012 SSE Generationcompletes acquisition of Endesa Ireland from
Endesa Generación (deal no. 1601233024)
33 09/10/2012 Spectrum Brands signs agreement to acquire Stanley Black &
Decker's Hardware & Home Improvement Group (deal no.
1601281855)
34 06/10/2012 TPG Capital to acquire FleetPide from Investcorp International

and Ridgemont Equity Partners: Expected completion date and
form of financing released (deal no. 1601410084)
35 05/10/2012 Hinduja Group in pole position to buy Houghton International:

Reuters (deal no. 1601409129)
36 05/10/2012 National Bank of Greece seeks shareholder approval of
Eurobank takeover (deal no. 1601409233)
37 05/10/2012 Urstadt Biddle Properties closes public offering (deal no.
1601407986)
38 05/10/2012 Sale of Dexia BIL completed (deal no. 1601306554)
39 05/10/2012 Ruckus Wireless files for IPO (deal no. 1601366204)
40 04/10/2012 Deadline for Smart & Final bids draws near: peHub (deal no.
1601408835)
41 04/10/2012 APN remains tight-lipped on review (deal no. 1633074368)
42 04/10/2012 Mitsubishi buying Jackson Square Aviation for USD 1.3bn (deal
no. 1601396487)
43 04/10/2012 Fosun premarkets offering: IFR (deal no. 1633024506)
44 04/10/2012 Arbor Realty Trust prices public offering (deal no. 1601409181)
45 04/10/2012 Berry Plastics Group lists on NYSE (deal no. 1601355229)

46 04/10/2012 Mitsubishi UFJ Lease agrees to acquire JSA International
Holdings from Oaktree Capital Group (deal no. 1601396487)
47 03/10/2012 Madison Dearborn exits BWAY, Platinum invests (deal no.
1601408173)
48 03/10/2012 JAVELIN Mortgage Investment lists on NYSE (deal no.
1601408343)
49 03/10/2012 NorthStar Realty Finance prices public offering of preferred
shares (deal no. 1601408489)
50 03/10/2012 Boardwalk Pipeline Partners prices public offering (deal no.
1601408622)
Source : Zephyr

Boards & committees
1. Mr. Gunit Chadha - Co-Chief Executive Officer of BoD RE
P014640262 Asia/Pacific, Member of the
Group Executive Committee
- Member of the Group Executive ExeB WW
Committee
2. Mr. Alan Cloete - Co-Chief Executive Officer of BoD RE
P011749722 Asia/Pacific, Member of the
Committee
3. Mrs. Michele Faissola - Head of Asset & Wealth BoD RE
P019435425 Management, Member of the
Committee
4. Mr. Colin Fan - Co-Head of Corporate Banking & BoD RE
P130310480 Securities and Head of Markets,
Member of the Group Executive
Committ
Committee
5. Mr. Jürgen Hinrich Fitschen - Co-Chief Executive Officer, BoD RE, VI
P014141685 Member of the Group Executive
Committee (since 01/06/2012)
- Co-Chairman of the Group ExeB WW
Executive Committee
6. Mr. David Folkerts-Landau - Head of Research, Member of BoD RE
P085903304 the Group Executive Committee
Committee
7. Mr. Colin Grassie - Chief Executive Officer of the BoD RE
P129258694 United Kingdom, Member of the
Committee
8. Mr. Anshuman Jain - Co-Chief Executive Officer, BoD RE
- Co-Chairman of the Group ExeB WW
Executive Committee
9. Dr Stephan Leithner - Chief Executive Officer Europe, BoD RE
Committee
- Member of the Management ExeB WW
Board; Member of the Group
Executive Committee
10. Mr. Robert John Rankin - Member of the Group Executive BoD RE
P100919569 Committee, Co-Head of
Corporate Banking & Securities
and Head of Corpo
Committee
11. Dr. Christian Klaus Ricken - Chief Operating Officer, Private BoD RE, WW
P039591005 & Business Clients, Member of
11.

Committee
12. Mr. Richard Walker - General Counsel, Member of BoD RE
P130310481 Group Executive Committee
Committee
13. Dr. Paul Michael Leopold - Chairman of the Supervisory SupB RE, WW
Achleitner Board (from 31/05/2012
P011955379 to 2017)
- Member of the Audit Committee AudC WW
(since 31/05/2012)
- Chairman of the Nomination NomC WW
- Chairman of the Chairman's ChmC WW
- Chairman of the Risk OthBC WW
Mediation Committee
(since 31/05/2012)
14. Mrs. Karin Ruck - Deputy Chairperson of the SupB RE, VI, WW
(Representative of the
employees) (since 29/05/2008)
- Member of the Chairman's ChmC WW
Committee
- Member of the Combined Staff OthBC WW
Council Frankfurt branch;
Member of the Mediation
Committee
15. Mr. Wolfgang Böhr - Member of the Supervisory SupB RE, WW
P014141692 Board, Employee Representative
(from 2008 to 2013)
- Member of the General Staff OthBC WW
Council; Member of the
Mediation Committee; Member
of the Group Staff Council
16. Dr. rer. pol. Karl-Gerhard Eick - Member of the Supervisory SupB RE, WW
P011750337 Board (from 2004 to 2013)
- Chairman of the Audit AudC WW
Committee
17. Miss Katherine Lucy Garrett-Cox - Member of the Supervisory SupB RE, WW
P006320932 Board (from 2011 to 2016)
18. Mr. Alfred Herling - Member of the Supervisory SupB RE, WW
(from 2008 to 2013)
Committee
- Chairman of the Group Staff OthBC WW
Council
19. Mr. Gerd Herzberg - Member of the Supervisory SupB RE
(since 02/06/2006)
20. Prof. Dr. rer. nat. Dr.-Ing. E. h. - Member, Statutory Supervisory SupB RE, VI, WW
Henning Kagermann Boards (from 2000 to 2013)
P009198701 - Member of the Risk Committee WW
21. Mr. Martina Klee - Member of the Supervisory SupB RE, WW
(from 2008 to 2013)
21. - Member of the Supervisory SupB RE, WW
Board, Employee Representative
(from 2008 to 2013)
- Chairperson of the Staff Council OthBC WW
GTO Frankfurt/Eschborn
- Member of the General Staff OthBC WW
Council; Member of the Group
Staff Council
22. Mrs. Suzanne Bray Labarge - Member of the Supervisory SupB RE, WW
P014141697 Board (from 2008 to 2013)
- Member of the Risk Committee WW
23. Mr. Maurice Lévy - Member of the Supervisory SupB RE
P014140277 Board (since 01/06/2006)
24. Mr. Peter Löscher - Member of the Supervisory SupB RE, WW
P038968505 Board (from 31/05/2012
to 2017)
25. Mrs. Henriette Mark - Member of the Supervisory SupB RE, WW
(from 2003 to 2013)
- Chairperson of the Combined OthBC WW
Staff Council Munich and
Southern Bavaria; Chairperson
of the European Staff Council;
Member of the Group Staff
Council; Member of the General
Staff Council
26. Mrs. Gabriele Platscher - Member of the Supervisory SupB RE, WW

P014141700 Board (Employee
Representative) (from 2003
to 2013)
- Chairperson of the Combined OthBC WW
Staff Council
Braunschweig/Hildesheim
27. Prof. Dr. Theo Siegert - Member of the Supervisory SupB RE, VI
P000722068 Board (since 16/07/2006)
28. Mr. Rudolf Stockem - Member of the Supervisory SupB RE, WW
P130310479 Board (Representative of the
employees) (from 01/06/2012
to 2013)
29. Dr. iur. Johannes Teyssen - Member of the Supervisory SupB RE, VI, WW
P013909420 Board (from 2008 to 2013)
30. Mrs. Marlehn Thieme - Member of the Supervisory SupB RE, WW
(from 2008 to 2013)
31. Mr. Tilman Todenhöfer - Member of the Supervisory SupB RE, VI, WW
P001761911 Board (from 2001 to 2013)
- Member of the Nomination NomC WW
Committee
Committee
- Member of the Mediation OthBC WW
Committee
32. Prof. Dr. Klaus Rudiger - Member of the Supervisory SupB RE, WW
Trützschler Board (from 31/05/2012
P038953634 to 2017)
(since 31/05/2012)
33. Mr. Stefan Viertel - Member of the Supervisory SupB RE, WW
Board (Representative of the
employees) (from 2008 to 2013)
33. - Member of the Supervisory SupB RE, WW
34. Mrs. Renate Voigt - Member of the Supervisory SupB RE, WW

35. Mr. Werner Wenning - Member of the Supervisory SupB RE, VI, WW
P009377072 Board (from 2008 to 2013)
Committee
36. Dr. Hugo Bänziger - Member of the Management ExeB RE, VI
P014141683 Board, Chief Risk Officer,
Member of the Executive
37. Mr. Pierre Jacques De Weck - Member of the Group Executive ExeB RE, VI
P014141688 Committee, Head of Private
Wealth Management
(since 04/2002)
38. Mr. Stefan Krause - Member of the Management ExeB WW
P038953868 Board; Member of the Group
Executive Committee
39. Mr. Stuart Wilson Lewis - Member of the Group Executive ExeB WW
Management Board
40. Mr. Rainer Neske - Member of the Group Executive ExeB VI, WW
Management Board
41. Mr. Kevin Parker - Member of the Group Executive ExeB RE
P014141689 Committee and Head of Asset
Management (since 2002)
42. Mr. Henry Ritchotte - Member of the Management ExeB WW
P039813348 Board; Member of the Group
Executive Committee
43. Mr. Werner Helmut Steinmüller - Member of the Group Executive ExeB RE, VI, WW
P014141690 Committee, Head of Global
Transaction Banking
(since 01/04/2009)
44. Mr. Seth H Waugh - Member of the Group Executive ExeB RE
P014141691 Committee, Chief Executive
Officer of Deutsche Bank
Americas (since 01/04/2009)
Management & staff

1. Mr. Gunit Chadha - Co-Chief Executive Officer of SenMan WW
P014640262 Asia/Pacific
2. Mr. Alan Cloete - Co-Chief Executive Officer of SenMan WW
P011749722 Asia/Pacific
3. Mr. Colin Grassie - CEO of the UK SenMan WW
P129258694
4. Dr Stephan Leithner - CEO Europe (except Germany SenMan, HR, WW
P074465992 and UK), Human Resources, LegDep,
Legal & Compliance, OthDep
Government & Regulatory Affairs
5. Mr. Stefan Viertel - Head of Cash Management SenMan WW

P072388022 Financial Institutions Austria and
Hungary
5. - Head of Cash Management SenMan WW
Financial Institutions Austria and
Hungary
- Senior Sales Manager Sales WW
6. Mr. Stefan Krause - Member of the Management FinAcc RE, WW
P038953868 Board, Chief Financial Officer,
7. Mr. Richard Walker - General Counsel LegDep WW
P130310481
8. Mr. David Folkerts-Landau - Head of Research, Member of R&D RE
P085903304 the Group Executive Committee
- Head of Research R&D WW
9. Dr. Christian Klaus Ricken - Chief Operating Officer, Private Oper RE, WW
P039591005 & Business Clients, Member of
10. Mr. Henry Ritchotte - Member of the Management Oper RE, WW
P039813348 Board, Chief Operating Officer,
Committee
11. Dr. Hugo Bänziger - Member of the Management OthDep RE, VI
P014141683 Board, Chief Risk Officer,
12. Mrs. Michele Faissola - Head of Asset & Wealth OthDep WW
P019435425 Management
13. Mr. Colin Fan - Co-Head of Corporate Banking & OthDep WW
P130310480 Securities and Head of Markets
14. Mr. Stuart Wilson Lewis - Member of the Management OthDep RE, WW
P066148156 Board, Member of the Group
Executive Committee, Chief Risk
Officer
15. Mr. Rainer Neske - Head of Private & Business OthDep WW
P014141687 Clients Business Division
- Member of the Management OthDep RE
Board, Head of Private &
Business Clients, Member of the
Group Executive Co
(since 01/04/2009)
16. Mr. Robert John Rankin - Co-Head of Corporate Banking & OthDep WW
P100919569 Securities and Head of
Corporate Finance
17. Mr. Werner Helmut Steinmüller - Head of Global Transaction OthDep WW
P014141690 Banking
408
422
bank.de
and the
utsche Bank
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ager for more
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Watch
IFRS IFRS
Unqualified Audited
Restated Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
198,892.0 181,291.0
200,597.0 182,961.0
1,705.0 1,670.0
1,501,247.0 1,211,847.0
21,615.0 19,199.0
506,967.0 375,218.0
972,665.0 817,430.0
0.0 0.0
1,700,139.0 1,393,138.0
2,409.0 3,241.0
222,455.0 175,389.0
1,925,003.0 1,571,768.0
646,252.0 535,290.0
457,946.0 411,916.0
188,306.0 123,374.0
n.a. n.a.
1,056,543.0 846,512.0
512,436.0 392,060.0
357,649.0 125,745.0
186,458.0 328,707.0
181,598.0 154,815.0
n.a. n.a.
1,295.0 2,182.0
39,315.0 32,969.0
1,925,003.0 1,571,768.0
2,645.0 2,717.0
1,705.0 1,670.0
597,764.0 527,454.0
9,383.0 8,612.0
116,634.0 169,038.0
6,345.0 4,771.0
8,146.0 10,950.0
Unqualified Audited
Restated Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
9,188.0 7,008.0
21,877.0 21,263.0
3,918.0 8,868.0
3,238.0 -16.0
12,289.0 11,195.0
2,432.0 1,216.0
21,269.0 19,634.0
612.0 298.0
28.0 0.0
9,212.0 8,339.0
2,239.0 2,260.0
6,973.0 6,079.0
30,712.0 27,943.0
2,274.0 2,005.0
11.60 12.50
8.60 8.50
38,049.0 34,309.0
28,320.0 23,539.0
527.0 444.0
IFRS IFRS
Unqualified Audited
Restated Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
10,901.0 56,803.0
53,574.0 0.0
200.0 207.0
64,675.0 57,010.0
17,371.0 n.a.
38,116.0 50,002.0
55,487.0 50,002.0
9,188.0 7,008.0
3,918.0 8,868.0
793.0 499.0
3,238.0 -16.0
n.a. n.a.
12,289.0 11,195.0
1,286.0 389.0
21,524.0 20,935.0
13,122.0 12,498.0
8,147.0 7,136.0
21,269.0 19,634.0
353.0 328.0
9,796.0 8,637.0
612.0 298.0
n.a. n.a.
9,184.0 8,339.0
124.0 131.0
0.0 92.0
115.0 223.0
19.0 n.a.
n.a. n.a.
9,212.0 8,339.0
2,239.0 2,260.0
n.a. n.a.
6,973.0 6,079.0
428.0 456.0
n.a. n.a.
-1,690.0 -760.0
n.a. n.a.
5,711.0 5,775.0
36.0 9.0
6,937.0 6,070.0
2,274.0 2,005.0
339.0 n.a.
45,540.0 n.a.
n.a. n.a.
n.a. n.a.
41,459.0 n.a.
113,598.0 182,961.0
1,705.0 1,670.0
198,892.0 181,291.0
200,597.0 182,961.0
2,645.0 2,717.0
n.a. n.a.
21,615.0 19,199.0
n.a. n.a.
553,920.0 486,982.0
506,967.0 375,218.0
42,294.0 35,271.0
0.0 n.a.
3,366.0 3,389.0
373,085.0 291,788.0
1,479,632.0 1,192,648.0
7,435.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.0 0.0
1,700,139.0 1,393,138.0
22,229.0 21,273.0
n.a. n.a.
n.a. n.a.
2,409.0 3,241.0
7,232.0 8,612.0
2,151.0 n.a.
2,428.0 6,473.0
4,777.0 0.0
n.a. n.a.
183,638.0 139,031.0
1,925,003.0 1,571,768.0
174,536.0 143,893.0
47,339.0 231,403.0
236,071.0 36,620.0
457,946.0 411,916.0
188,306.0 123,374.0
n.a. n.a.
n.a. n.a.
646,252.0 535,290.0
118,557.0 116,065.0
8,146.0 10,950.0
53,410.0 196,921.0
180,113.0 323,936.0
512,436.0 392,060.0
357,649.0 125,745.0
1,696,450.0 1,377,031.0
n.a. n.a.
n.a. n.a.
1,295.0 2,182.0
4,221.0 6,358.0
2,380.0 0.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
174,997.0 148,457.0
1,879,343.0 1,534,028.0
6,345.0 4,771.0
n.a. n.a.
36,846.0 29,850.0
1,422.0 717.0
3,629.0 3,207.0
-2,524.0 n.a.
-58.0 -805.0
39,315.0 32,969.0
1,925,003.0 1,571,768.0
n.a. n.a.
n.a. n.a.
5.67 32.03
3.96 n.a.
4.10 4.20
3.84 4.94
0.58 0.52
0.54 0.49
0.56 0.52
70.08 74.92
69.25 70.26
1.17 1.26
26.72 28.22
0.54 0.55
6.25 3.45
25.05 27.24
0.51 0.54
24.31 27.10
2.98 3.14
2.79 3.03
19.02 19.86
0.38 0.39
15.58 18.87
0.32 0.37
n.a. n.a.
2.12 2.21
1.74 2.10
n.a. n.a.
n.a. n.a.
1.50 1.56
8.60 8.50
11.60 12.50
n.a. n.a.
2.04 2.10
37.47 32.98
45.75 34.72
n.a. n.a.
11.09 12.36
22.47 n.a.
9.64 n.a.
1.32 1.49
0.85 0.91
64.46 61.46
2.39 3.18
0.32 0.17
0.27 0.25
1.32 1.49
43.80 44.42
11.48 15.56
38.68 41.82
n.a. n.a.
n.a. n.a.
22,444.0 38,473.0
n.a. n.a.
94,190.0 130,565.0
n.a. n.a.
2,041,637.0 1,740,806.0
328,818.0 275,459.0
n.a. n.a.
328,818.0 275,459.0
192,388.4 177,350.5
1,577,602.8 1,357,592.5
1,812,199.8 1,556,998.5
n.a. n.a.
1,445,438.6 1,011,378.0
33,405.6 27,347.0
36,666.8 30,607.7
438,701.7 411,916.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
8,146.0 10,950.0
n.a. n.a.
6,973.0 6,079.0
n.a. n.a.
n.a. n.a.
39,315.0 32,969.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
39,315.0 32,969.0
n.a. n.a.
n.a. n.a.
7,232.0 8,612.0
2,151.0 n.a.
1,219.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
6,231.0 4,771.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
10,901.0 56,803.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
17,371.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 295,252.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 128,876.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
553,920.0 62,854.0
553,920.0 486,982.0
22,984.0 24,749.0
7,435.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
8,240.0 7,813.0
3,635.0 2,709.0
42,294.0 35,271.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.0 n.a.
7,435.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
565,795.0 202,252.0
752.0 732.0
225.0 288.0
527.0 444.0
775.0 684.0
930.0 985.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
17,166.0 16,589.0
617.0 n.a.
21,564.0 13,261.0
n.a. n.a.
n.a. n.a.
2,819.0 n.a.
1,422.0 717.0
37,893.0 32,252.0
35,911.0 29,850.0
3,635.0 3,207.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,635.0 3,207.0
-52.0 -45.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,583.0 3,162.0
n.a. n.a.
3,583.0 3,162.0
n.a. n.a.
39,315.0 32,969.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,274.0 2,005.0
2,274.0 2,005.0
n.a. n.a.
1,219.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
6,231.0 4,771.0
6,231.0 4,771.0
6,231.0 4,771.0
28,320.0 23,539.0
38,049.0 34,309.0
8.60 8.50
11.60 12.50
328,818.0 275,459.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,479,632.0 1,192,648.0
n.a. n.a.
1,479,632.0 1,192,648.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
78,291 68,849
1,889 n.a.
8.60 8.50
n.a. n.a.
11.60 12.50
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
13,597.0 14,265.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
Unqualified Audited
31/12/2007 31/12/2006
0.85 0.91
6.66 4.25
64.46 61.47
1.32 1.49
0.28 0.24
6.95 6.96
6.73 8.24
2.39 3.18
8.60 8.50
11.60 12.50
2.04 2.10
19.77 18.19
6.08 6.16
2.10 2.17
2.80 3.10
27.05 26.86
8.33 9.10
2.88 3.20
15.14 22.49
0.59 0.50
0.53 0.45
1.25 1.35
1.25 1.27
0.53 0.53
-0.13 -0.14
0.40 0.39
19.29 18.44
32.61 32.98
13.00 12.36
0.40 0.00
68.47 69.45
0.56 0.55
11.48 15.56
10.33 11.53
30.78 33.87
11.78 13.27
92.50 98.54
35.41 38.61
CA
2005
65.25
66.30
66.55
63.06
63.18
64.71
71.50
70.22
77.82
78.13
83.13
81.90
Commerzbank AG
H 60261 FRANKFURT AM MAIN 1 BvD ID number DE13190

Contact details
KAISERSTRASSE 16 Phone number 49 (69) 136-20

Fax number 49 (69) 285 389
H 60261 FRANKFURT AM MAIN 1 Web Site Address www.commerzbank.de
GERMANY
Bank History :
Established on February 26, 1870 as Commerz- und Disconto-Bank. In 1920, its name changed to Commerz - und Privat
Bank, following the absorption of the Magdeburg - based Mitteldeutsche Privat - Bank. In 1940, its name changed to
Commezbank Aktiengesellschaft. In May 2009, Commerzbank AG absorbed Dresdner Bank AG. Dresdner Bank will
remain as a brand for the time being. On May 22, 2012, Commerzbank AG absorbed Deutsche Schiffsbank AG.

Accounting Standards International Financial Nickname COMMZIAS
Aktiengesellschaft
available

(29/10/2012) World rank, 2011 36
shareholders
subsidiaries
Peer Group

Size 1,150
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 270,544.0 297,792.0 329,794.0 284,815.0
Gross Loans 278,457.0 306,909.0 339,083.0 290,148.0
Derivatives 128,886.0 128,817.0 183,643.0 103,510.0
Remaining earning assets 808.0 1,192.0 1,279.0 0.0
Fixed Assets 1,399.0 1,590.0 1,779.0 1,240.0
Total Assets 661,763.0 754,299.0 844,103.0 625,224.0

Derivatives 138,296.0 139,585.0 189,701.0 113,257.0
Other Reserves 3,761.0 4,778.0 5,115.0 2,030.0
Equity 24,803.0 28,658.0 26,576.0 19,842.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives 1,693.0 2,047.0 -551.0 -278.0
Net Gains (Losses) on Assets at FV through Income n.a. n.a. n.a. n.a.
Statement
Remaining Operating Income -97.0 689.0 917.0 -316.0
Overheads 7,992.0 9,463.0 9,511.0 5,332.0
Other -1,926.0 -122.0 -2,247.0 -201.0
Profit before Tax 507.0 1,353.0 -4,659.0 -407.0
Tax -240.0 -136.0 -26.0 -466.0
Net Income 747.0 1,489.0 -4,633.0 59.0
Dividend Paid n.a. n.a. 0.0 0.0

Tier 1 Ratio 11.10 11.90 10.50 10.10
Total Capital 36,560.0 40,857.0 41,437.0 30,882.0
Tier 1 Capital 26,189.0 31,727.0 29,520.0 22,500.0
Net-Charge Offs 2,541.0 2,897.0 2,367.0 2,134.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 115.0 53.0 58.0 104.0

Net Gains (Losses) on Trading and Derivatives 1,693.0 2,047.0 -551.0 -278.0
Net Gains (Losses) on Other Securities -392.0 108.0 417.0 -665.0
Statement

Operating Profit -786.0 1,475.0 -2,412.0 -206.0

Non-recurring Income 1,000.0 n.a. n.a. n.a.
Non-recurring Expense n.a. 33.0 2,389.0 25.0
Change in Fair Value of Own Debt 293.0 -89.0 142.0 -176.0
Pre-tax Profit 507.0 1,353.0 -4,659.0 -407.0
Tax expense -240.0 -136.0 -26.0 -466.0
Net Income 747.0 1,489.0 -4,633.0 59.0
Change in Value of AFS Investments -781.0 42.0 596.0 -3,303.0

Remaining OCI Gains/(losses) -196.0 232.0 -310.0 n.a.
Fitch Comprehensive Income -382.0 2,013.0 -4,564.0 -3,568.0
Memo: Profit Allocation to Non-controlling Interests 47.0 127.0 75.0 59.0
Memo: Net Income after Allocation to Non- 700.0 1,362.0 -4,708.0 0.0
Memo: Common Dividends Relating to the Period n.a. n.a. 0.0 0.0
Balance Sheet
Assets
Loans
Other Mortgage Loans 117,952.0 134,321.0 139,904.0 117,035.0
Other Loans 160,505.0 172,588.0 199,179.0 173,113.0
Net Loans 270,544.0 297,792.0 329,794.0 284,815.0
Gross Loans 278,457.0 306,909.0 339,083.0 290,148.0
Reverse Repos and Cash Collateral 77,648.0 98,663.0 81,300.0 n.a.
Derivatives 128,886.0 128,817.0 183,643.0 103,510.0
Memo: Government Securities included Above 51,916.0 70,158.0 63,127.0 n.a.
Memo: Total Securities Pledged 19,164.0 41,865.0 100,490.0 75,980.0
Investments in Property 808.0 1,192.0 1,279.0 n.a.
Non-earning Assets
Fixed Assets 1,399.0 1,590.0 1,779.0 1,240.0
Goodwill 2,088.0 2,081.0 2,061.0 1,006.0
Other Intangibles 950.0 1,020.0 1,148.0 330.0
Current Tax Assets 716.0 650.0 1,267.0 684.0
Discontinued Operations 1,759.0 1,082.0 2,868.0 n.a.
Other Assets 3,242.0 7,349.0 3,783.0 5,025.0
Total Assets 661,763.0 754,299.0 844,103.0 625,224.0
Repos and Cash Collateral 47,194.0 62,116.0 49,200.0 n.a.
Funding
Derivatives 138,296.0 139,585.0 189,701.0 113,257.0
Total Funding 622,995.0 706,602.0 796,389.0 594,119.0
Current Tax Liabilities 680.0 1,072.0 1,346.0 3,161.0
Deferred Tax Liabilities 189.0 222.0 1,240.0 0.0
Other Deferred Liabilities 484.0 559.0 506.0 n.a.
Hybrid Capital
Debt
Equity
Equity
Common Equity 25,093.0 13,694.0 12,311.0 14,338.0
Foreign Exchange Revaluation Reserves -355.0 -263.0 n.a. n.a.
Fixed Asset Revaluations and Other Accumulated -810.0 -1,005.0 -1,700.0 -1,132.0
OCI
Total Equity 22,116.0 11,480.0 9,426.0 11,642.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Operating Profit/ Average Equity% -4.23 13.89 -12.38 -1.40
Operating Profit/ Average Total Assets% -0.11 0.18 -0.28 -0.03
Taxes/ Pre-tax Profit% -47.34 -10.05 0.56 114.50
Assets%
Operating Profit / Risk Weighted Assets% -0.33 0.55 -0.86 -0.09
Net Income/ Average Total Equity% 4.02 14.02 -23.77 0.40
Net Income/ Average Total Assets% 0.11 0.18 -0.54 0.01
%
%
Securitized Assets%
Net Income/ Risk Weighted Assets% 0.32 0.56 -1.65 0.03
Fitch Comprehensive Income/ Risk Weighted -0.16 0.76 -1.63 -1.61
Assets%
Capitalization
Cash Dividends Paid & Declared/ Net Income% n.a. n.a. 0.00 0.00
Cash Dividend Paid & Declared/ Fitch n.a. n.a. 0.00 0.00
Net Income - Cash Dividends/ Total Equity% 3.38 12.97 -49.15 0.51
Loan Quality
Growth of Total Assets% -12.27 -10.64 35.01 1.42
Growth of Gross Loans% -9.27 -9.49 16.87 0.26
%
Foreclosed Assets%
Funding
%
Reference Data
Sheet
Guarantees 37,160.0 38,087.0 40,603.0 32,695.0

balance sheet
Average Loans 290,747.6 336,916.6 367,874.2 290,669.2
Average Assets 706,987.4 838,030.0 856,996.8 610,922.4
Average Equity 18,586.8 10,622.0 19,487.2 14,685.8
Maturities
Debt Securities < 3 Months n.a. n.a. 6,606.0 24,041.0

Debt Securities 3 - 12 Months n.a. n.a. 14,341.0 29,848.0
Debt Securities 1 - 5 Years n.a. n.a. 44,440.0 84,576.0
Debt Securities > 5 Years n.a. n.a. 62,645.0 27,362.0

Interbank 1 - 5 Years 8,858.0 10,928.0 13,059.0 10,148.0
Interbank > 5 Years 1,596.0 1,736.0 5,093.0 6,167.0
Retail Deposits < 3 months 185,828.0 174,317.0 n.a. n.a.

Retail Deposits 3 - 12 Months 16,294.0 15,624.0 n.a. n.a.
Retail Deposits 1 - 5 Years 11,996.0 12,980.0 n.a. n.a.
Retail Deposits > 5 Years 13,017.0 41,800.0 n.a. n.a.
Other Deposits < 3 Months n.a. n.a. 196,022.0 113,467.0
Other Deposits 3 - 12 Months n.a. n.a. 15,736.0 18,290.0
Other Deposits 1 - 5 Years n.a. n.a. 17,045.0 38,446.0
Other Deposits > 5 Years n.a. n.a. 35,815.0 n.a.

Interbank 1 - 5 Years 22,456.0 13,315.0 14,216.0 11,398.0
Interbank > 5 Years 13,635.0 13,214.0 14,843.0 13,271.0
Senior Debt Maturing < 3 months 17,727.0 23,741.0 n.a. n.a.

Senior Debt Maturing 3-12 Months 10,433.0 18,011.0 62,625.0 53,889.0
Senior Debt Maturing 1- 5 Years 58,921.0 66,248.0 108,745.0 111,938.0
Senior Debt Maturing > 5 Years 18,592.0 23,356.0 n.a. n.a.
Total Senior Debt on Balance Sheet 105,673.0 131,356.0 171,370.0 165,827.0
Net Income 747.0 1,489.0 -4,633.0 59.0
Published Net Income 747.0 1,489.0 -4,633.0 59.0
Equity 22,116.0 11,480.0 9,426.0 11,642.0
Add: Pref. Shares and Hybrid Capital accounted for 2,687.0 17,178.0 17,150.0 8,200.0
as Equity
Published Equity 24,803.0 28,658.0 26,576.0 19,842.0

interests)
on the B/S- CC only
Goodwill 2,088.0 2,081.0 2,061.0 1,006.0
Other intangibles 950.0 1,020.0 1,148.0 330.0
securitizations
Eligible weighted Hybrid capital 613.0 -11,872.0 2,042.1 -5,099.0
Government held Hybrid Capital 1,937.0 16,428.0 16,400.0 8,200.0

Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 30,587.0 41,764.0 44,998.0 41,534.0

Asset Quality Data

Net Charge-offs
Gross Charge-offs 2,723.0 3,090.0 2,545.0 2,177.0
Recoveries 182.0 193.0 178.0 43.0
Net Charge-offs 2,541.0 2,897.0 2,367.0 2,134.0
Reserves
Collective/General Loan Impairment Reserves 547.0 1,096.0 944.0 820.0
Individual/Specific Loan Impairment Reserves 7,366.0 8,361.0 8,345.0 4,779.0

Capital
Eligible Capital
Legal Reserves n.a. n.a. 1,334.0 6,619.0

dividends
Valuation Reserves for AFS Securities in OCI Total -2,511.0 -1,731.0 -1,755.0 -2,221.0
Valuation Reserves for FX in OCI -355.0 -263.0 n.a. n.a.
Valuation Reserves for PP&E/Fixed Assets in OCI n.a. n.a. -477.0 n.a.
Total Valuation Reserves in OCI -2,866.0 -1,994.0 -2,232.0 -2,221.0
Cash Flow Hedge Reserve -810.0 -1,005.0 -1,223.0 -872.0
Other OCI Reserves 11,158.0 1,302.0 n.a. n.a.
Total OCI Reserves 7,482.0 -1,697.0 -3,455.0 -3,093.0
Total Other Equity Reserves 7,482.0 -1,697.0 -3,455.0 -3,093.0
Hybrid Securities Reported in Equity 2,687.0 17,178.0 17,150.0 8,200.0
Interests
absorbing

Total Dividends Paid and Declared in Period n.a. n.a. 0.0 0.0
Capital
Intangibles to be deducted from Core Capital 2,088.0 2,081.0 3,209.0 1,336.0
Embedded Value n.a. n.a. 0.0 0.0
Hybrid Capital Fitch Class C 750.0 750.0 750.0 n.a.
Hybrid Capital Fitch Class D n.a. n.a. 853.0 n.a.
Hybrid Capital Fitch Class E 2,175.0 4,181.0 20,501.0 3,101.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 613.0 -11,872.0 5,115.8 -5,099.0
II
II
Capital Charge Credit Risk 15,182.0 18,595.0 19,705.0 n.a.
Capital Charge Market Risk 1,059.0 1,059.0 1,144.0 n.a.
Capital Charge Operational Market Risk 1,746.0 1,746.0 1,562.0 n.a.
First Loss Pieces Retained from Securitisations n.a. 200.0 n.a. n.a.
Capital
Pledged Securities 19,164.0 41,865.0 100,490.0 75,980.0
Repurchase agreements included in customer n.a. 18,106.0 n.a. n.a.
deposits
banks

in loans

Total Exposure to Central Bank 3,998.0 n.a. n.a. 5,674.0
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Net Inc Bef Ln Lss Prov 118.91 72.64 -564.92 111.49
Capital
Tier 1 Ratio 11.10 11.90 10.50 10.10
Equity / Net Loans 9.17 9.62 8.06 6.97
Operations
Non Op Items & Taxes / Avg Ast -0.24 0.00 -0.30 0.04
Return On Avg Assets (ROAA) 0.11 0.19 -0.63 0.01
Return On Avg Equity (ROAE) 2.80 5.39 -19.96 0.33
Dividend Pay-Out n.a. n.a. 0.00 0.00
Inc Net Of Dist / Avg Equity n.a. n.a. -19.96 0.33
Non Op Items / Net Income -257.83 -8.19 48.50 -340.68
Liquidity
Interbank Ratio 89.85 90.27 81.58 49.01
General information


ISIN number: DE0008032004
Ticker symbol: CBK
Stock exchange(s) listed: Boerse Frankfurt

Boerse Berlin
Boerse Duesseldorf
Boerse Hamburg
Boerse Hannover
Boerse Munchen
Boerse Stuttgart
Swiss Exchange
US Exchange
XETRA
Stock index information: DAX (DEUTSCHER AKTIENINDEX) - GERMANY
IPO date: 11/28/1997
Market price - May 1.34 3.17 5.81 5.57 22.71 36.46 29.30 17.71

Price trends (%)

BETA
Reference index 1: DAX (DEUTSCHER

AKTIENINDEX)

Reference index 3: GERMAN ENTREPRENEURIAL

TOTAL RETURN INDEX

Reference index 5:

Date News
1 22/10/2012 Commerzbank to sell its custodian business operations (deal no.
1601414096)
2 16/10/2012 Telefónica sets new offer price range again for Telefónica
Germany IPO (deal no. 1601374463)
3 11/10/2012 Over allotment option exercised in Direct Line IPO (deal no.
1601312462)
4 03/10/2012 ‘Telefónica’s Germany division eyes listing’ (deal no.
1601390898)
5 25/09/2012 Stake in Continental has been sold to international investors
(deal no. 1601405589)
6 16/08/2012 Finedining announces end of additional acceptance period in its
offer for WMF (deal no. 1601384904)
7 07/08/2012 ProCredit Holding has acquired the remaining stake in ProCredit
Bank (deal no. 1601402669)
8 30/07/2012 Ernamio Consulting to acquire a majority stake in Bank Forum
(deal no. 1601388650)
9 25/07/2012 SMS to acquire stake in Paul Wurth (deal no. 1601277390)
10 17/07/2012 Charterhouse acquires Bartec (deal no. 1601373240)
11 10/07/2012 Linde AG completes private placing (deal no. 1601385586)
12 06/07/2012 KKR makes offer for WMF stake (deal no. 1601357030)
13 06/07/2012 KKR increases offer price for preference shares in WMF:
European Commission approves transaction (deal no.
1601357030)
14 05/07/2012 TOM TAILOR completes rights issue (deal no. 1601380317)

15 03/07/2012 CapVis to acquire Ondal from Findos (deal no. 1601384096)
16 19/06/2012 3i sells stake in NORMA (deal no. 1601410176)
17 31/05/2012 Telefónica plans to sell German division (deal no. 1601374463)
18 31/05/2012 Intocast acquires Dalmond Feuerfest Siegburg (deal no.

1601384496)
19 18/04/2012 SGL Carbon places convertible loan notes with institutional
investors (deal no. 1601362755)
20 09/04/2012 DryShips announces additional sale of stake in Ocean Rig UDW
(deal no. 1601317395)
21 27/03/2012 PSA Peugeot announces full subscription of its rights issue (deal
no. 1601347339)
22 12/03/2012 Novaled files for IPO on Nasdaq (deal no. 1601351238)
23 06/03/2012 Peugeot reveals EUR 1bn rights issue details (deal no.
1601347339)
24 02/03/2012 Oerlikon Solar sale delayed (deal no. 1601348579)
25 28/02/2012 OTP Bank might acquire Bank Forum (deal no. 1601347887)
26 23/02/2012 Commerzbank announces details of capital increase (deal no.
1601345578)
27 22/02/2012 Alstria office REIT-AG completes placing (deal no. 1601345118)
28 09/02/2012 FX Alliance lists on NYSE (deal no. 1601302424)

29 02/02/2012 BluO to acquire Goldgas SL (deal no. 1601340209)
30 10/01/2012 Pankl acquires HUBER Präzisionstechnik (deal no. 1601331611)
31 19/12/2011 IVG Immobilien completes rights issue (deal no. 1601320749)

32 14/12/2011 Spheros acquired in DBAG-backed MBO (deal no. 1601325077)
33 30/11/2011 Commerzbank to pass Eurohypo to German government? (deal

no. 1601320472)
34 29/11/2011 HGV takes stake in Hamburg Netz from E.ON (deal no.
1601396386)
35 29/11/2011 HGV to acquire minority stake in Vattenfall Wärme (deal no.
1601362655)
36 29/11/2011 HGV to acquire Vattenfall Stromnetz stake from E.ON (deal no.
1601396393)
37 29/11/2011 Commerzbank may divest Eurohypo to the state (deal no.
1601320472)
38 17/11/2011 DryShips says may sell Ocean Rig (deal no. 1601317395)
39 16/11/2011 Hansen's squeeze-out and delisting completed (deal no.
1601288011)
40 09/11/2011 Commerzbank completes acquisition of remainder of Deutsche
Schiffsbank (deal no. 1601260734)
41 31/10/2011 CVC tables GBP 4bn for RBS Insurance: report (deal no.
1601312462)
42 05/10/2011 Ameos sale on hold (deal no. 1601306380)
43 03/10/2011 Scotiabank acquires Dresdner Bank Brasil SA (deal no.
1601217202)
44 06/09/2011 RWE's completes Amprion sale (deal no. 1601220663)
45 16/08/2011 Terex acquires majority stake in Demag Cranes (deal no.
1601278635)
46 12/08/2011 Commerzbank acquires Blacks shares (deal no. 1601293080)
47 29/07/2011 Kolbenschmidt Pierburg could be listed (deal no. 1601289184)
48 28/07/2011 Rheinmetall calls off KSPG IPO in foreseeable future (deal no.
1601289184)
49 25/07/2011 ZF gears up for Hansen takeover (deal no. 1601288011)
50 30/06/2011 Commerzbank sells former Dresdner Bank's Zentrales
Inkassobüro (deal no. 1601382300)
Source : Zephyr
Boards & committees

1. Mr. Klaus-Peter Müller - Chairman of the Supervisory SupB RE, VI
P055707185 Board (since 15/05/2008)
- Chairman, Nomination NomC VI
Committee
1.
- Chairman, Social Welfare OthBC VI

Committee; Chairman, Risk
Committee; Chairman,
Conciliation Committee;
Chairman, Presiding Committee
2. Dr. Walter Seipp - Honorary Chairman of the SupB RE, VI

(since 21/05/1999)
3. Mr. Uwe Tschäge - Deputy Chairman of the SupB RE, VI
P014145052 Supervisory Board, Employee
Representative
(since 30/05/2003)
- Member, Conciliation OthBC VI
Committee; Member, Presiding
Committee; Member, Social
Welfare Committee
4. Mr. Hans-Hermann Altenschmidt - Member of the Supervisory SupB RE, VI
(since 30/05/2003)
- Member, Presiding Committee; OthBC VI
Member, Conciliation Committee
5. Mr. Sergio Balbinot - Member of the Supervisory SupB VI
P014145061 Board (since 06/11/2002)
- Member, Nomination Committee NomC VI
- Member, Conciliation Committee OthBC VI
6. Dr.-Ing. Буркхард Бергманн - Member of the Supervisory SupB RE, VI
P038926198 Board (since 15/05/2008)
- Member, Social Welfare OthBC VI
Committee
7. Mrs. Astrid Evers - Member of the Supervisory SupB RE, VI
(since 30/05/2003)
Committee
8. Mr. Uwe Foullong - Member of the Supervisory SupB RE, VI
(since 01/11/1994)
9. Mr. Daniel Hampel - Member of the Supervisory SupB RE, VI
(since 30/05/2003)
10. Dr.-Ing. Otto Happel - Member of the Supervisory SupB RE, VI
P014145067 Board (since 07/05/1993)
- Member, Nomination Committee NomC VI
11. Mrs. Beate Hoffmann - Member of the Supervisory SupB RE
(since 06/05/2011)
12. Miss Sonja Kasischke - Member of the Supervisory SupB VI
P014145068 Board (from 30/05/2003
to 2011)
13. Mr. Hans-Peter M Keitel - Member of the Supervisory SupB RE, VI
P001423410 Board (since 15/05/2008)
14. Mrs. Alexandra Krieger - Member of the Supervisory SupB RE, VI
(since 15/05/2008)
15. Mr. Edgar Christel August Meister - Member of the Supervisory SupB RE, VI
Board (since 16/05/2009)
15.
P014145070 - Member, Social Welfare OthBC VI

Committee; Member, Risk
Committee; Member, Presiding
Committee
16. Prof. h.c. (CHN) Dr. rer. oec. - Member of the Supervisory SupB RE, VI
Ulrich Middelmann Board (since 01/04/2006)
17. Dr. Helmut Perlet - Member of the Supervisory SupB RE, VI
P011955373 Board (since 16/05/2009)
18. Mrs. Barbara Priester - Member of the Supervisory SupB RE, VI
(since 15/05/2008)
19. Mr. Mark Roach - Member of the Supervisory SupB RE, VI
P039811064 Board (since 10/01/2011)
20. Dr. Marcus Schenck - Member of the Supervisory SupB RE, VI
P014141388 Board (since 15/05/2008)
21. Dr. Gertrude Tumpel-Gugerell - Member of the Supervisory SupB RE
P039811149 Board (since 24/05/2012)
22. Mrs. Karin Van Brummelen - Member of the Supervisory SupB RE, VI
(since 15/05/2008)
Committee
23. Dr. Nikolaus von Bomhard - Member of the Supervisory SupB RE, VI
P014145074 Board (since 16/05/2009)
24. Mr. Martin Blessing - Chairman of the Management ExeB RE, VI
P011436458 Board, Spokesman to the
Management Board; Chairman
of the Board of Managing
Directors (since 07/05/2009)
25. Mr. Frank Annuscheit - Member of the Board of ExeB RE, VI
P014145053 Managing Directors ; Member of
the Management Board, Chief
Operating Officer
(since 01/01/2008)
26. Mr. Markus Beumer - Member of the Board of ExeB RE, VI
P039367366 Managing Directors
(Mittelstandsbank); Member of
the Management Board
(since 01/01/2008)
27. Mr. Stephan Engels - Member of the Management ExeB RE
P116654482 Board, Chief Financial Officer
(since 01/04/2012)
28. Dr. Achim Kassow - Member of the Board of ExeB VI
P014145056 Management; Member of the
Board of Managing Directors
(Central & Eastern Europe)
(since 10/11/2004)
29. Mr. Jochen Klösges - Member of the Management ExeB RE, VI
P014145057 Board, Asset Based Finance;
Member of the Board of
Managing Director; Member of
the Board of Managing Directors
(since 01/06/2009)
30. Mr. Michael Friedrich Reuther - Member of the Management ExeB RE
P000983951 Board, Head of Corporates and
Markets (since 30/05/2008)
31. Dr. Stefan Schmittmann - Member of the Management ExeB RE, VI
P014145059 Board, Chief Risk Officer;
Member of the Executive Board
(since 07/05/2009)
32. Mr. Ulrich N Sieber - Member of the Board of ExeB RE, VI
P014145054 Managing Directors; Member of
the Management Board, Group
Human Resources, Group
Integration (since 01/06/2009)
33. Dr. Eric Strutz - Member of the Board of ExeB VI
(since 01/04/2004)
34. Mr. Martin Zielke - Member of the Management ExeB RE, VI
P009012871 Board; Member of the Board of
Managing Directors
(since 05/11/2010)
35. Dr. Gudrun Simone Bagel-Trah - Member, Central Advisory Board AdvB VI
P001385312
36. Dr. Olaf Berlien - Member, Central Advisory Board AdvB VI
P010527847
37. Mrs. Cathrina Anneli Claas- - Member, Central Advisory Board AdvB VI
Mühlhäuser
P001247415
38. Prof. Dr. Hans Heinrich Driftmann - Member, Central Advisory Board AdvB VI
P001112196
39. Mr. Dr. Hubertus Erlen - Member, Central Advisory Board AdvB VI
P014141421
40. Prof. Dr. Johanna Hey - Member of the Central Advisory AdvB VI
P043546934 Board
41. Prof. Dr. Edward G. Krubasik - Member of the Central Advisory AdvB VI
P044923821 Board
42. Mr. Uwe Lüders - Member of the Central Advisory AdvB VI
P066194951 Board
43. Dipl.-Kfm. Friedrich Lürßen - Member, Central Advisory Board AdvB VI
P000894252
44. Dr.-Ing. E.h. Hartmut Mehdorn - Member, Central Advisory Board AdvB VI
P014140798
45. Dr. Christoph M. Müller - Member, Central Advisory Board AdvB VI
P100883755
46. Prof. Hans Georg Näder - Member, Central Advisory Board AdvB VI
P000884103
47. Mr. Klaus Manfred Patig - Member, Central Advisory Board AdvB VI
P101448862
48. DIPL.-WIRTSCH.-ING. Hans - Member, Central Advisory Board AdvB VI
Dieter Pötsch
P014141370
49. Dr. Helmut Reitze - Member, Central Advisory Board AdvB VI
P039587869
50. Mr. Georg Friedrich Wilhelm - Member, Central Advisory Board AdvB VI
Schaeffler
P001887151
51. Dr. Ernst F. Schröder - Member, Central Advisory Board AdvB VI
P001123507
52. Mr. Jürgen Norbert Schulte- - Member, Central Advisory Board AdvB VI
Laggenbeck
52.
P001285055
53. Prof. Dennis J. Snower - Member, Central Advisory Board AdvB VI
P043546869
54. Dr. Dr. h.c. Edmund Stoiber - Member, Central Advisory Board AdvB VI
P039662221
55. Mr. Nicholas Roy Richard Teller - Member of the Central Advisory AdvB VI
P041310569 Board
56. Prof. Dr. Klaus Rudiger - Member, Central Advisory Board AdvB VI
Trützschler
P038953634
57. Dr. Axel Frhr. v. Ruedorffer - Member, Central Advisory Board AdvB VI
P043546901
58. Dr. Bernd W. Voss - Member of the Central Advisory AdvB VI
P000718705 Board
59. Dr Michael Ernst Max Werhahn - Member, Central Advisory Board AdvB VI
P000817251
60. Prof.Dr. Wendelin Wiedeking - Member, Central Advisory Board AdvB VI
P014141385
Management & staff

1. Mr. Stephan Engels - Member of the Management FinAcc RE
P116654482 Board, Chief Financial Officer
(since 01/04/2012)
2. Dr. Eric Strutz - Chief Financial Officer FinAcc VI
P011436459 (since 2003)
3. Mr. Ulrich N Sieber - Member of the Board of HR RE, VI
P014145054 Managing Directors; Member of
the Management Board, Group
Human Resources, Group
Integration (since 01/06/2009)
4. Mr. Frank Annuscheit - Member of the Board of Oper RE, VI
P014145053 Managing Directors ; Member of
the Management Board, Chief
Operating Officer
(since 01/01/2008)
5. Dr. Stefan Schmittmann - Member of the Management OthDep RE, VI
P014145059 Board, Chief Risk Officer;
Member of the Executive Board
(since 07/05/2009)
9
bank.de
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changed to
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ager for more
ager for more
Watch
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
283,454.0 287,100.0 148,493.0 144,972.0

289,409.0 294,471.0 153,674.0 150,277.0
5,955.0 7,371.0 5,181.0 5,305.0
312,819.0 303,068.0 277,499.0 264,913.0
74,058.0 75,271.0 86,203.0 86,719.0
73,019.0 59,368.0 73,271.0 74,728.0
165,742.0 168,429.0 118,025.0 103,466.0
0.0 0.0 0.0 0.0
596,273.0 590,168.0 425,992.0 409,885.0
1,293.0 1,388.0 1,525.0 1,766.0
18,908.0 16,783.0 17,344.0 13,226.0
616,474.0 608,339.0 444,861.0 424,877.0
297,928.0 286,005.0 244,354.0 231,171.0

159,187.0 141,214.0 102,846.0 105,064.0
125,120.0 125,825.0 129,900.0 115,430.0
13,621.0 18,966.0 11,608.0 10,677.0
291,377.0 297,399.0 177,455.0 173,016.0
80,374.0 69,430.0 81,539.0 83,059.0
4,742.0 3,937.0 3,299.0 5,600.0
206,261.0 224,032.0 92,617.0 84,357.0
8,118.0 6,278.0 5,881.0 6,265.0
n.a. n.a. n.a. n.a.
2,919.0 3,346.0 3,521.0 3,402.0
16,132.0 15,311.0 13,650.0 11,023.0
616,474.0 608,339.0 444,861.0 424,877.0
11,254.0 14,696.0 5,700.0 6,294.0

5,955.0 7,371.0 5,181.0 5,305.0
112,765.0 114,376.0 126,615.0 122,880.0
1,265.0 1,680.0 973.0 801.0
81,254.0 78,533.0 64,216.0 61,529.0
3,414.0 3,389.0 n.a. n.a.

9,478.0 9,240.0 5,410.0 5,673.0

31/12/2007 31/12/2006 31/12/2005 31/12/2004
4,020.0 3,916.0 3,172.0 3,013.0
4,622.0 4,631.0 3,599.0 3,491.0
879.0 1,217.0 685.0 545.0
n.a. -40.0 n.a. n.a.
3,150.0 2,861.0 2,415.0 2,250.0

593.0 593.0 499.0 696.0
5,744.0 5,591.0 4,919.0 4,803.0
479.0 878.0 566.0 836.0
86.0 297.0 394.0 -69.0
2,505.0 2,375.0 1,680.0 796.0
580.0 587.0 409.0 353.0
1,925.0 1,788.0 1,271.0 443.0
8,642.0 8,547.0 6,771.0 6,504.0
n.a. 493.0 328.0 150.0
10.80 11.10 12.50 12.60

6.90 6.70 8.00 7.50
25,574.0 25,798.0 18,717.0 17,623.0
16,333.0 15,497.0 12,029.0 10,484.0
200.0 101.0 49.0 104.0
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
21,950.0 18,520.0 12,141.0 11,062.0

102.0 173.0 277.0 223.0
64.0 148.0 109.0 89.0
22,116.0 18,841.0 12,527.0 11,374.0
206.0 178.0 174.0 102.0

17,890.0 14,747.0 9,181.0 8,259.0
18,096.0 14,925.0 9,355.0 8,361.0
4,020.0 3,916.0 3,172.0 3,013.0
879.0 1,217.0 685.0 545.0

126.0 220.0 216.0 193.0
n.a. -40.0 n.a. n.a.
n.a. n.a. n.a. n.a.

3,150.0 2,861.0 2,415.0 2,250.0
467.0 373.0 283.0 503.0
4,622.0 4,631.0 3,599.0 3,491.0
3,082.0 3,128.0 2,667.0 2,452.0
2,662.0 2,463.0 2,252.0 2,351.0
5,744.0 5,591.0 4,919.0 4,803.0
n.a. n.a. n.a. n.a.

2,898.0 2,956.0 1,852.0 1,701.0
479.0 878.0 566.0 836.0
n.a. n.a. n.a. n.a.
2,419.0 2,078.0 1,286.0 865.0
n.a. n.a. n.a. n.a.

n.a. 550.0 431.0 146.0
8.0 253.0 37.0 132.0
n.a. n.a. n.a. n.a.
94.0 n.a. n.a. -83.0
2,505.0 2,375.0 1,680.0 796.0
580.0 587.0 409.0 353.0
n.a. n.a. n.a. n.a.
1,925.0 1,788.0 1,271.0 443.0
-843.0 -249.0 395.0 360.0

n.a. n.a. n.a. n.a.
109.0 -36.0 85.0 27.0
n.a. n.a. n.a. n.a.
1,191.0 1,503.0 1,751.0 830.0
8.0 191.0 106.0 81.0
1,917.0 1,597.0 1,165.0 362.0
n.a. 493.0 328.0 150.0

n.a. n.a. n.a. n.a.
n.a. n.a. 26,985.0 27,283.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
289,409.0 294,471.0 126,689.0 122,994.0
5,955.0 7,371.0 5,181.0 5,305.0
283,454.0 287,100.0 148,493.0 144,972.0
289,409.0 294,471.0 153,674.0 150,277.0
11,254.0 14,696.0 5,700.0 6,294.0
n.a. n.a. n.a. n.a.
74,058.0 75,271.0 86,203.0 86,719.0

n.a. n.a. n.a. n.a.
33,550.0 33,138.0 31,784.0 31,273.0
73,019.0 59,368.0 73,271.0 74,728.0
131,742.0 134,860.0 82,478.0 69,675.0
n.a. n.a. n.a. n.a.
450.0 431.0 3,763.0 2,518.0
n.a. n.a. n.a. n.a.
238,761.0 227,797.0 191,296.0 178,194.0
n.a. 73,355.0 36,315.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 0.0
596,273.0 590,168.0 425,992.0 409,885.0
5,157.0 5,967.0 8,628.0 4,888.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,293.0 1,388.0 1,525.0 1,766.0
894.0 1,287.0 758.0 697.0
371.0 393.0 215.0 104.0
n.a. 872.0 400.0 606.0
6,439.0 5,046.0 5,138.0 5,205.0
n.a. n.a. n.a. n.a.
6,047.0 3,218.0 2,205.0 1,726.0
616,474.0 608,339.0 444,861.0 424,877.0
55,273.0 49,145.0 41,189.0 36,482.0

10,327.0 10,933.0 12,432.0 16,892.0
93,587.0 81,136.0 49,225.0 51,690.0
159,187.0 141,214.0 102,846.0 105,064.0
125,120.0 125,825.0 129,900.0 115,430.0
n.a. n.a. n.a. n.a.
13,621.0 18,966.0 11,608.0 10,677.0
297,928.0 286,005.0 244,354.0 231,171.0
193,369.0 211,403.0 87,207.0 78,684.0

9,478.0 9,240.0 5,410.0 5,673.0
n.a. n.a. n.a. n.a.
202,847.0 220,643.0 92,617.0 84,357.0
80,374.0 69,430.0 81,539.0 83,059.0
4,742.0 3,937.0 3,299.0 5,600.0
585,891.0 580,015.0 421,809.0 404,187.0
n.a. 204.0 679.0 819.0

n.a. n.a. n.a. n.a.
2,919.0 3,346.0 3,521.0 3,402.0
n.a. 457.0 3,706.0 3,893.0
4,945.0 3,670.0 0.0 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,173.0 1,947.0 1,496.0 1,553.0
596,928.0 589,639.0 431,211.0 413,854.0
3,414.0 3,389.0 n.a. n.a.
n.a. n.a. 0.0 0.0
14,232.0 13,040.0 11,884.0 9,560.0

997.0 1,049.0 947.0 1,269.0
903.0 1,746.0 1,995.0 1,600.0
n.a. n.a. n.a. n.a.
0.0 -524.0 -1,176.0 -1,406.0
16,132.0 15,311.0 13,650.0 11,023.0

616,474.0 608,339.0 444,861.0 424,877.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7.45 6.91 7.86 7.80

0.14 0.13 0.16 0.10
3.67 3.33 2.95 2.96

3.07 2.68 2.25 2.20
0.67 0.69 0.75 0.78

0.59 0.54 0.61 0.57
0.67 0.69 0.75 0.78
53.48 54.18 53.15 53.67

66.47 65.41 72.65 73.85
0.93 0.96 1.12 1.20
17.84 20.48 15.75 15.88
0.47 0.51 0.42 0.42
16.53 29.70 30.56 49.15
14.89 14.40 10.94 8.08

0.39 0.36 0.29 0.22
23.15 24.72 24.35 44.35
1.22 1.28 1.27 1.22
1.02 0.90 0.88 0.62
11.85 12.39 10.81 4.14

0.31 0.31 0.29 0.11
7.33 10.42 14.89 7.75
0.19 0.26 0.40 0.21
n.a. n.a. n.a. n.a.
0.81 0.77 0.87 0.32

0.50 0.65 1.20 0.59
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
2.34 2.19 2.78 1.20
6.90 6.70 8.00 7.50
10.80 11.10 12.50 12.60
n.a. n.a. n.a. n.a.
2.62 2.52 3.07 2.59
n.a. 27.57 25.81 33.86
n.a. 32.80 18.73 18.07
n.a. n.a. n.a. n.a.

11.93 8.46 6.91 2.66
1.34 36.75 4.70 11.41

-1.72 91.62 2.26 8.46
3.89 4.99 3.71 4.19
2.06 2.50 3.37 3.53
52.91 50.16 90.89 84.29
32.85 47.84 3.80 8.97
0.16 0.33 0.37 0.59

0.07 0.04 0.03 0.07
3.89 4.99 3.71 4.19
181.80 208.53 149.42 143.03

59.19 59.82 66.36 75.13
31.49 27.66 30.22 32.72
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
29,466.0 29,453.0 27,521.0 24,539.0

n.a. n.a. n.a. n.a.
51,788.0 49,080.0 36,695.0 36,977.0

n.a. n.a. n.a. 13.0
697,728.0 686,872.0 509,077.0 486,406.0
237,426.0 231,481.0 146,078.0 139,745.0
n.a. n.a. n.a. n.a.
237,426.0 231,481.0 146,078.0 139,745.0
294,699.4 268,185.2 154,551.2 141,910.2

602,799.8 565,617.6 424,180.2 384,495.0
619,733.6 582,224.4 439,672.4 401,456.2
n.a. n.a. n.a. n.a.
589,233.8 555,948.4 416,517.8 379,209.0
13,822.2 12,586.2 10,333.8 9,558.2
16,247.6 14,430.2 11,758.4 10,708.4
149,519.6 136,534.2 110,560.6 104,156.8
47,377.0 44,723.0 28,858.0 27,046.0

28,060.0 30,658.0 14,052.0 15,398.0
93,516.0 99,635.0 40,286.0 36,865.0
120,456.0 119,455.0 70,478.0 70,968.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
41,044.0 43,256.0 51,817.0 59,193.0

11,437.0 8,525.0 19,529.0 13,356.0
13,609.0 15,061.0 7,129.0 6,661.0
7,968.0 8,429.0 7,728.0 7,509.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
111,324.0 94,299.0 89,208.0 91,872.0
8,710.0 5,857.0 4,095.0 3,965.0
39,153.0 41,058.0 9,543.0 9,227.0
n.a. n.a. n.a. n.a.
93,872.0 87,222.0 99,871.0 83,629.0

6,902.0 12,564.0 13,318.0 14,271.0
24,346.0 26,039.0 16,711.0 17,530.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
9,478.0 9,240.0 5,410.0 5,673.0
n.a. n.a. n.a. n.a.
1,925.0 1,788.0 1,271.0 443.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
16,132.0 15,311.0 13,650.0 11,023.0

n.a. n.a. 0.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
16,132.0 15,311.0 13,650.0 11,023.0
n.a. 204.0 679.0 819.0
n.a. n.a. n.a. n.a.

894.0 1,287.0 758.0 697.0
371.0 393.0 215.0 104.0
471.0 342.0 338.0 5,205.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

3,281.0 3,389.0 0.0 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
21,950.0 18,520.0 12,141.0 11,062.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
206.0 178.0 174.0 102.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
23,285.0 25,351.0 22,080.0 20,137.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
10,265.0 7,787.0 8,417.0 10,338.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. 1,287.0 798.0
33,550.0 33,138.0 31,784.0 31,273.0
127,109.0 55,365.0 39,298.0 64,320.0
n.a. 73,355.0 36,315.0 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,757.0 2,407.0 2,402.0 2,138.0
1,876.0 3,733.0 4,463.0 3,217.0
131,742.0 134,860.0 82,478.0 69,675.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 73,355.0 36,315.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
14,898.0 13,927.0 16,569.0 16,491.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
200.0 101.0 49.0 104.0
773.0 661.0 367.0 n.a.

5,182.0 6,710.0 4,814.0 4,979.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,708.0 1,705.0 1,705.0 1,546.0
5,709.0 5,676.0 5,686.0 4,481.0

6,815.0 5,659.0 4,493.0 3,533.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
997.0 1,049.0 947.0 1,269.0
15,135.0 14,262.0 12,703.0 9,754.0
14,232.0 13,040.0 11,884.0 9,560.0
903.0 1,746.0 1,995.0 1,600.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
903.0 1,746.0 1,995.0 1,600.0
34.0 -381.0 -1,069.0 -1,214.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
937.0 1,365.0 926.0 386.0
n.a. n.a. n.a. n.a.
937.0 1,365.0 926.0 386.0
n.a. n.a. 0.0 0.0
16,132.0 15,311.0 13,650.0 11,023.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. 493.0 328.0 150.0
n.a. 493.0 328.0 150.0
n.a. n.a. n.a. n.a.
471.0 342.0 338.0 5,205.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,281.0 3,389.0 0.0 0.0
3,281.0 3,389.0 0.0 0.0
3,281.0 3,389.0 0.0 0.0
16,333.0 15,497.0 12,029.0 10,484.0

25,574.0 25,798.0 18,717.0 17,623.0
6.90 6.70 8.00 7.50
10.80 11.10 12.50 12.60
237,426.0 231,481.0 146,078.0 139,745.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
238,761.0 227,797.0 191,296.0 178,194.0

n.a. n.a. n.a. n.a.
238,761.0 227,797.0 191,296.0 178,194.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
34,796 35,975 33,056 32,820

n.a. n.a. n.a. n.a.
6.90 6.70 8.00 7.50
n.a. n.a. n.a. n.a.
10.80 11.10 12.50 12.60
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,264.0 5,213.0 8,031.0 4,291.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 5,169.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.06 2.50 3.37 3.53

11.92 22.42 17.84 27.75
52.92 50.16 90.90 84.29
3.89 4.99 3.71 4.19
0.07 0.05 0.03 0.07
8.32 3.79 2.67 8.13
69.76 95.98 41.76 57.10
32.85 47.84 3.80 8.97
6.90 6.70 8.00 7.50

10.80 11.10 12.50 12.60
2.62 2.52 3.07 2.59
5.69 5.33 9.19 7.60
5.42 5.35 5.59 4.77
2.75 2.64 3.21 2.70
4.71 4.59 4.28 3.93
10.24 9.73 12.84 11.52
9.74 9.77 7.80 7.22
4.94 4.81 4.48 4.09
32.66 33.07 28.38 33.98
0.68 0.77 0.76 0.78

0.66 0.74 0.73 0.75
0.76 0.88 0.83 0.87
1.02 1.23 1.26 1.40
0.40 0.40 0.30 0.22
-0.08 -0.06 0.00 -0.11
0.31 0.34 0.29 0.11
12.24 12.35 10.30 4.15
n.a. 27.57 25.81 33.86
n.a. 8.94 7.64 2.75
4.47 16.61 31.00 -15.58
66.47 65.42 72.65 73.85
0.47 0.56 0.43 0.42
59.19 59.82 66.36 75.13

45.98 47.19 33.38 34.12
95.14 100.38 60.77 62.71
49.18 50.30 35.66 36.38
37.85 39.99 51.82 53.16
19.56 20.04 30.41 30.84
2005
16.32
16.90
16.74
16.95
17.71
17.96
18.43
21.08
22.70
21.84
25.12
26.02
DZ Bank AG-Deutsche Zentral-Genossenschaftsbank
60265 FRANKFURT AM MAIN BvD ID number DE17881

Status Active
Contact details
PLATZ DER REPUBLIK Phone number +49 (69) 744701

Fax number +49 (69) 744716 85
60265 FRANKFURT AM MAIN Web Site Address www.dz-bank.de
GERMANY
Bank History :
Established on September 18, 2001, following the merge of GZ-Bank AG and Deutsche Genossenschaftsbank DG BANK.

Accounting Standards International Financial Nickname DZIFRS
Name of the Auditor Ernst & Young GmbH Model ALLBANKS
available

No of recorded 4
subsidiaries
Peer Group

Size 1,761
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 118,482.0 114,051.0 110,334.0 114,891.0
Gross Loans 120,760.0 116,275.0 112,796.0 117,021.0
Derivatives 34,160.0 24,582.0 24,735.0 29,288.0
Remaining earning assets 62,898.0 61,434.0 57,208.0 52,378.0
Fixed Assets 2,102.0 2,040.0 1,688.0 1,817.0
Total Assets 405,926.0 383,464.0 388,525.0 427,127.0

Derivatives 37,379.0 27,711.0 27,402.0 34,365.0
Other Reserves 1,823.0 1,773.0 1,583.0 1,474.0
Equity 10,775.0 10,727.0 10,233.0 8,418.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Other Operating Income 304.0 1,732.0 1,603.0 -1,419.0
Net Gains (Losses) on Trading and Derivatives -601.0 927.0 1,028.0 -1,905.0
Statement
Net Fees and Commissions 963.0 1,113.0 879.0 862.0
Remaining Operating Income -58.0 -308.0 -304.0 -376.0
Overheads 2,722.0 2,588.0 2,481.0 2,487.0
Other -16.0 27.0 -24.0 -143.0
Profit before Tax 324.0 1,618.0 836.0 -1,551.0
Tax -285.0 493.0 490.0 -385.0
Net Income 609.0 1,125.0 346.0 -1,166.0
Dividend Paid 146.0 122.0 58.0 151.0

Tier 1 Ratio 10.10 10.60 9.90 7.40
Total Capital 11,475.0 10,967.0 11,771.0 11,457.0
Tier 1 Capital 10,056.0 9,208.0 9,377.0 8,786.0
Net-Charge Offs 301.0 407.0 289.0 264.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Other Interest Income 1,265.0 960.0 1,434.0 3,405.0
Dividend Income 132.0 67.0 -148.0 206.0

Net Gains (Losses) on Trading and Derivatives -601.0 927.0 1,028.0 -1,905.0
Net Gains (Losses) on Other Securities -333.0 -708.0 -635.0 -640.0
Statement
Net Fees and Commissions 963.0 1,113.0 879.0 862.0
Other Operating Income -73.0 -6.0 17.0 123.0
Total Non-Interest Operating Income 304.0 1,732.0 1,603.0 -1,419.0

Pre-Impairment Operating Profit 719.0 1,876.0 1,519.0 -1,006.0
Securities and Other Credit Impairment Charges 16.0 -27.0 24.0 143.0
Operating Profit 324.0 1,618.0 836.0 -1,551.0

Pre-tax Profit 324.0 1,618.0 836.0 -1,551.0
Tax expense -285.0 493.0 490.0 -385.0
Net Income 609.0 1,125.0 346.0 -1,166.0
Change in Value of AFS Investments -664.0 -454.0 816.0 -1,292.0

Currency Translation Differences 0.0 22.0 -7.0 5.0
Remaining OCI Gains/(losses) 145.0 -86.0 -48.0 108.0
Fitch Comprehensive Income 90.0 607.0 1,107.0 -2,345.0
Memo: Net Income after Allocation to Non- 452.0 897.0 27.0 -1,321.0
Balance Sheet
Assets
Loans
Other Loans 74,743.0 71,668.0 70,577.0 75,647.0
Net Loans 118,482.0 114,051.0 110,334.0 114,891.0
Gross Loans 120,760.0 116,275.0 112,796.0 117,021.0
Derivatives 34,160.0 24,582.0 24,735.0 29,288.0
Insurance Assets 62,781.0 61,322.0 57,099.0 52,295.0
Other Earning Assets n.a. n.a. n.a. n.a.
Non-earning Assets
Cash and Due From Banks 2,556.0 579.0 487.0 2,187.0
Fixed Assets 2,102.0 2,040.0 1,688.0 1,817.0
Goodwill 280.0 151.0 149.0 101.0
Other Assets 1,375.0 944.0 912.0 927.0
Total Assets 405,926.0 383,464.0 388,525.0 427,127.0
Funding
Derivatives 37,379.0 27,711.0 27,402.0 34,365.0
Total Funding 328,543.0 307,154.0 316,393.0 360,878.0
Deferred Tax Liabilities 701.0 1,024.0 921.0 792.0
Insurance Liabilities 57,437.0 56,216.0 52,351.0 48,205.0
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. 2,210.0 2,176.0 1,710.0
Equity
Equity
Common Equity 7,520.0 7,104.0 6,343.0 5,886.0
Securities Revaluation Reserves -1,101.0 -680.0 -241.0 -926.0
Foreign Exchange Revaluation Reserves -3.0 8.0 -22.0 -3.0
OCI
Total Equity 10,775.0 8,517.0 8,057.0 6,708.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Operating Profit/ Average Equity% 3.41 19.69 10.35 -15.63
Operating Profit/ Average Total Assets% 0.08 0.41 0.20 -0.36
Assets%
Operating Profit / Risk Weighted Assets% 0.33 1.86 0.88 -1.31
Net Income/ Average Total Equity% 6.42 13.69 4.29 -11.75
Net Income/ Average Total Assets% 0.16 0.29 0.08 -0.27
%
%
Securitized Assets%
Net Income/ Risk Weighted Assets% 0.61 1.30 0.36 -0.99
Fitch Comprehensive Income/ Risk Weighted Assets 0.09 0.70 1.16 -1.99
%
Capitalization
Cash Dividend Paid & Declared/ Fitch Comprehensive 162.22 20.10 5.24 -6.44
Income%
Loan Quality
Growth of Total Assets% 5.86 -1.30 -9.04 -0.98
%
Foreclosed Assets%
Funding
Reference Data
Sheet

balance sheet
Average Loans 117,495.3 115,720.7 114,851.0 110,865.3
Average Assets 390,912.0 392,007.7 408,494.0 429,430.7
Average Equity 9,493.0 8,216.0 8,073.7 9,926.3
Maturities
Loans & Advances < 3 months 24,403.0 23,897.0 23,544.0 n.a.
Loans & Advances 3 - 12 Months 14,199.0 14,893.0 15,238.0 n.a.
Loans and Advances 1 - 5 Years 34,190.0 62,270.0 61,479.0 n.a.
Loans & Advances > 5 years 30,791.0 31,582.0 29,999.0 n.a.
Debt Securities < 3 Months 16,778.0 18,255.0 32,163.0 n.a.

Debt Securities 3 - 12 Months 11,611.0 13,321.0 16,392.0 n.a.
Debt Securities 1 - 5 Years 41,588.0 42,637.0 48,704.0 n.a.
Debt Securities > 5 Years 33,358.0 33,078.0 36,755.0 n.a.

Interbank 3 - 12 Months 6,602.0 5,198.0 8,395.0 n.a.

Other Deposits < 3 Months 24,048.0 16,701.0 12,911.0 n.a.

Other Deposits 3 - 12 Months 2,279.0 3,132.0 3,425.0 n.a.
Other Deposits 1 - 5 Years 9,928.0 8,571.0 7,350.0 n.a.
Other Deposits > 5 Years 29,328.0 36,217.0 39,735.0 n.a.

Interbank 3 - 12 Months 18,229.0 12,472.0 7,420.0 n.a.
Senior Debt Maturing < 3 months 7,987.0 6,782.0 6,501.0 n.a.

Senior Debt Maturing 3-12 Months 7,120.0 9,917.0 13,405.0 n.a.
Senior Debt Maturing 1- 5 Years 35,311.0 31,946.0 35,610.0 n.a.
Senior Debt Maturing > 5 Years 11,437.0 14,649.0 20,522.0 n.a.
Total Senior Debt on Balance Sheet 61,855.0 63,294.0 76,038.0 n.a.
Net Income 609.0 1,125.0 346.0 -1,166.0
Published Net Income 609.0 1,125.0 346.0 -1,166.0
Equity 10,775.0 8,517.0 8,057.0 6,708.0
Add: Pref. Shares and Hybrid Capital accounted for n.a. 2,210.0 2,176.0 1,710.0
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on 0.0 0.0 0.0 0.0
the B/S- CC only
Goodwill 280.0 151.0 149.0 101.0
Deferred tax assets deduction 680.0 198.0 659.0 1,361.0
Net asset value of insurance subsidiaries 1,744.0 1,744.0 1,744.0 1,697.0
securitizations
Eligible weighted Hybrid capital 0.0 0.0 2,253.8 1,404.0

Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 59,522.0 56,753.0 59,436.0 64,117.0

Asset Quality Data

Net Charge-offs
Recoveries 64.0 119.0 35.0 21.0
Net Charge-offs 301.0 407.0 289.0 264.0
Reserves

Capital
Eligible Capital
Legal Reserves 1,111.0 1,111.0 1,111.0 843.0

Profit/Loss Reserve/Income for the period net of 61.0 146.0 122.0 58.0
dividends
Valuation Reserves for AFS Securities in OCI Total -1,101.0 -680.0 -241.0 -926.0
Valuation Reserves for FX in OCI -3.0 8.0 -22.0 -32.0
Valuation Reserves in OCI - Other -25.0 -17.0 -22.0 -32.0
Total Valuation Reserves in OCI -1,129.0 -689.0 -285.0 -990.0
Total OCI Reserves -1,129.0 -689.0 -285.0 -990.0
Total Other Equity Reserves -1,129.0 -689.0 -285.0 -990.0
Hybrid Securities Reported in Equity n.a. 2,210.0 2,176.0 1,710.0
Interests
absorbing

Deferred Tax Assets to be Deducted from Core 680.0 198.0 659.0 1,361.0
Capital
Intangibles to be deducted from Core Capital 645.0 377.0 336.0 279.0
Hybrid Capital Fitch Class E n.a. n.a. 2,756.0 2,668.0
Weighted Total of Fitch Hybrid Capital Classes n.a. 0.0 2,756.0 2,668.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 0.0 0.0 2,756.0 2,668.0

II
Capital
deposits
banks

loans

Total Exposure to Central Bank 2,313.0 391.0 433.0 2,139.0
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 10.10 10.60 9.90 7.40
Equity / Net Loans 9.09 9.41 9.28 7.33
Operations
Pre-Tax Op Inc / Avg Assets 0.09 0.41 0.21 -0.33
Non Op Items & Taxes / Avg Ast 0.07 -0.12 -0.13 0.06
Return On Avg Assets (ROAA) 0.15 0.29 0.09 -0.27
Return On Avg Equity (ROAE) 5.67 10.74 3.71 -12.01
Dividend Pay-Out 23.97 10.84 16.76 -12.95
Non Op Items / Net Income -2.63 2.40 -6.94 12.26
Liquidity
Interbank Ratio 74.86 70.68 109.98 117.43
Date News
1 17/08/2012 Deutsche Wohnen acquires BauBeCon's companies (deal no.
1601373426)
2 02/07/2012 DZ Bank to acquire Wessel-Werk (deal no. 1601216257)
3 27/06/2012 Deutsche Wohnen completes rights issue (deal no. 1601378441)
4 28/05/2012 Deutsche Wohnen acquiring BauBeCon companies (deal no.
1601373426)
5 02/05/2012 Hungarian Development Bank in talks to acquire Magyar
Takarekszoevetkezti Bank (deal no. 1601367305)
no. 1601262614)
7 19/08/2011 Bregal Capital acquires stake in Novem Beteiligungs (deal no.
1601294162)
8 01/04/2011 d&b audiotechnik acquired in MBO (deal no. 1601259968)
9 14/12/2010 Rewe planning sale of DZ Bank stake (deal no. 1601233739)
10 04/11/2010 Deutsche Euroshop raising funds via rights issue (deal no.
1601226450)
11 26/10/2010 DZ Bank takes over DZ Bank Polska (deal no. 1601218479)
12 17/08/2010 Dievini Hopp BioTech increases stake in Wilex (deal no.
1601203476)
13 30/03/2010 Joyou floats (deal no. 1601167626)
14 24/03/2010 KTG Agrar raises capital (deal no. 1601171531)
15 19/03/2010 DZ Bank seeks approval to acquire stake in VR
FinanzDienstleistung (deal no. 1601170035)
16 01/02/2010 Deutsche Euroshop completes rights issue (deal no.
1601149294)
17 14/12/2009 BayWa sells shares in DZ Bank (deal no. 1601143708)
18 02/11/2009 DZ Bank completes rights issue (deal no. 646776)
19 21/10/2009 IVG Immobilien completes capital increase (deal no.
1601121225)
20 02/09/2009 WGZ-Bank plans to acquire stake in R+V Versicherung (deal no.
1601109017)
21 21/01/2009 Owners of DZ Bank front cash to offset losses (deal no. 646776)
22 12/09/2008 Andreae Noris Zahn acquires a majority stake in Armila (deal no.
1601002740)
23 28/08/2008 Teles sells stake in Freenet (deal no. 1601012376)
24 31/07/2008 Sintex to acquire assets of Geiger Technik (deal no.
1601005919)
25 25/06/2008 DZ Bank and WGZ Bank end merger talks (deal no. 1601001051)
26 02/06/2008 3i and Taros Capital sold Novem Group to Barclays (deal no.
647020)
27 30/05/2008 DZ Bank may be planning acquisitions (deal no. 646780)
28 10/04/2008 DVB Bank announces capital increase (deal no. 633308)
29 04/03/2008 Beate Uhse completes rights issue (deal no. 617092)
30 22/01/2008 DZ Bank increases its stake in Takarekbank (deal no. 516237)
31 27/11/2007 Drillisch completes capital increase (deal no. 591943)
32 11/10/2007 vwd Vereinigte Wirtschaftsdienste postpones capital increase
(deal no. 580181)
33 10/10/2007 Mobotix floats (deal no. 569361)
34 27/06/2007 DZ Bank acquires a stake in Casse Rurali Trentino (deal no.
491749)
35 04/04/2007 AXA Private Equity acquires Flex Elektrowerkzeuge (deal no.
529335)
36 15/02/2007 MediGene completes capital increase (deal no. 515785)
37 31/01/2007 Drillisch raises capital (deal no. 511838)
38 21/01/2007 Merck announces rights issue (deal no. 426532)
39 21/01/2007 E. Merck to increase stake in Merck (deal no. 508734)
40 05/12/2006 DZ Bank buys significant stake in NatIxis (deal no. 498505)
41 22/11/2006 AXA Private Equity acquires CABB. (deal no. 493979)
42 03/11/2006 DZ Bank sells Norisbank branches and brand to Deutsche Bank
(deal no. 438724)
43 30/10/2006 Biofrontera floats (deal no. 406121)
44 19/10/2006 QSIL plans IPO (deal no. 484944)
45 19/10/2006 Gagfah floats (deal no. 361041)
46 29/09/2006 CropEnergies floats (deal no. 469484)
47 17/07/2006 Lone Star has acquired Allgemeine HypothekenBank Rheinboden
AG (deal no. 411823)
48 21/06/2006 DZ Bank completes capital increase (deal no. 412433)
49 12/05/2006 Digital Identification Solutions begins trading on stock exchange
(deal no. 438319)
50 27/04/2006 Evotec completes capital increase (deal no. 438289)
Source : Zephyr
Boards & committees

1. Mr. Helmut Gottschalk - Chairman of the Supervisory SupB VI
P039635680 Board (since 27/05/2010)
2. Mr. Wolfgang Apitzsch - Deputy Chairman of the SupB VI
3. Mr. Henning Deneke-Jöhrens - Deputy Chairman of the SupB VI
(since 27/05/2010)
4. Mr. Rüdiger Beins - Member, Supervisory Board SupB VI
P039811057
5. Mr. Ulrich Birkenstock - Member, Supervisory Board SupB VI
P039606670
6. Mr. Werner Böhnke - Member, Supervisory Board SupB VI
P039546888
7. Mr. Hermann Buerstedde - Member, Supervisory Board SupB VI
P001035352 (since 27/05/2010)
8. Mr. Carl-Christian Ehlers - Member, Supervisory Board SupB VI
P133582895
9. Mr. Karl Eichele - Member, Supervisory Board SupB VI
P039814735
10. Mr. Uwe Fröhlich - Member, Supervisory Board SupB VI
P039571408
11. Dr. Roman Glaser - Member, Supervisory Board SupB VI
P039619399
12. Mr. Bernd Hühn - Member, Supervisory Board SupB VI
P039608201 (since 27/05/2010)
13. Mr. Rita Jakli - Member, Supervisory Board SupB VI
P074070901
14. Mr. Sigmar Kleinert - Member, Supervisory Board SupB VI
P039811060
15. Mr. Willy Köhler - Member, Supervisory Board SupB VI
P039624122
16. Mr. Rainer Mangels - Member, Supervisory Board SupB VI
P039811061
17. Mr. Walter Müller - Member, Supervisory Board SupB VI
P039650893
18. Mr. Dieter Rembde - Member, Supervisory Board SupB VI
P039600296
19. Mrs. Gudrun Jana Schmitt - Member, Supervisory Board SupB VI
P109191845
20. Mr. Uwe Spitzbarth - Member, Supervisory Board SupB VI
P074473303 (since 27/05/2010)
21. Mr. Wolfgang Kirsch - Member, Board of Managing ExeB VI
P039495879 Directors; Chairman of the
Executive Board
22. Mr. Lars Hille - Member of the Board of ExeB VI
23. Mr. Wolfgang Köhler - Member of the Board of ExeB VI
24. Mr. Hans-Theo Macke - Member, Board of Managing ExeB VI
P039479808 Directors
25. Mr. Albrecht Merz - Member of the Board of ExeB VI
P039454157 Management; Member, Board of
Managing Directors
26. Mr. Thomas Ullrich - Member, Board of Managing ExeB VI
27. Mr. Frank Hermann Walter - Member, Board of Managing ExeB VI
Westhoff Directors
P039542107
Management & staff

1. Mr. Wolfgang Kirsch - Chief Executive Officer SenMan VI
P039495879
744701
744716 85
bank.de
aftsbank DG BANK.
ports
2
S
n Europe)
manager for more
manager for more
Watch
IFRS IFRS IFRS

Unqualified Unqualified Audited
Original Original Original
31/12/2008 31/12/2007 31/12/2006
114,891.0 104,485.0 98,024.0

117,021.0 106,307.0 100,072.0
2,130.0 1,822.0 2,048.0
304,034.0 318,714.0 316,146.0
70,036.0 67,531.0 62,441.0
29,288.0 16,621.0 14,614.0
152,332.0 186,918.0 194,415.0
52,378.0 47,644.0 44,676.0
418,925.0 423,199.0 414,170.0
1,817.0 1,545.0 1,347.0
6,385.0 6,593.0 6,167.0
427,127.0 431,337.0 421,684.0
137,450.0 135,530.0 130,380.0

77,807.0 77,595.0 72,675.0
59,643.0 57,935.0 57,705.0
n.a. n.a. n.a.
224,386.0 231,438.0 229,533.0
34,365.0 18,404.0 15,971.0
119,188.0 145,224.0 132,232.0
70,833.0 67,810.0 81,330.0
55,399.0 6,325.0 6,966.0
n.a. n.a. n.a.
1,474.0 47,041.0 43,965.0
8,418.0 11,003.0 10,840.0
427,127.0 431,337.0 421,684.0
4,290.0 3,494.0 3,908.0
2,130.0 1,822.0 2,048.0
158,233.0 182,934.0 181,986.0
279.0 179.0 170.0
n.a. 28,620.0 25,424.0
958.0 1,146.0 1,239.0

4,350.0 3,668.0 4,204.0

31/12/2008 31/12/2007 31/12/2006
2,900.0 2,703.0 2,333.0
-1,419.0 1,159.0 2,609.0
-1,905.0 -282.0 716.0
n.a. n.a. n.a.
862.0 962.0 791.0

-376.0 479.0 1,102.0
2,487.0 2,585.0 2,858.0
402.0 107.0 335.0
-143.0 -102.0 318.0
-1,551.0 1,068.0 2,067.0
-385.0 171.0 208.0
-1,166.0 897.0 1,859.0
1,481.0 3,862.0 4,292.0
151.0 n.a. n.a.
9.70 10.20 12.60

7.40 7.70 9.70
11,457.0 n.a. n.a.
8,786.0 8,999.0 9,708.0
264.0 54.0 395.0
IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006
8,550.0 8,009.0 8,304.0
3,405.0 2,915.0 2,231.0
206.0 49.0 44.0
12,161.0 10,973.0 10,579.0
n.a. n.a. n.a.

9,261.0 8,270.0 8,246.0
9,261.0 8,270.0 8,246.0
2,900.0 2,703.0 2,333.0
-1,905.0 -282.0 716.0

-640.0 -103.0 28.0
n.a. n.a. n.a.
141.0 470.0 n.a.

862.0 962.0 791.0
123.0 112.0 424.0
-1,419.0 1,159.0 1,959.0
1,278.0 1,320.0 1,258.0
1,209.0 1,265.0 1,600.0
2,487.0 2,585.0 2,858.0
n.a. n.a. 650.0

-1,006.0 1,277.0 2,084.0
402.0 107.0 335.0
143.0 102.0 n.a.
-1,551.0 1,068.0 1,749.0
n.a. n.a. n.a.

n.a. n.a. 291.0
n.a. n.a. 29.0
n.a. n.a. n.a.
n.a. n.a. 56.0
-1,551.0 1,068.0 2,067.0
-385.0 171.0 208.0
n.a. n.a. n.a.
-1,166.0 897.0 1,859.0
-1,292.0 -537.0 693.0

n.a. n.a. n.a.
5.0 n.a. -1.0
108.0 2.0 n.a.
-2,345.0 362.0 2,551.0
155.0 366.0 295.0
-1,321.0 531.0 1,564.0
151.0 n.a. n.a.

n.a. n.a. n.a.
19,310.0 40,638.0 42,097.0
22,064.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
75,647.0 65,669.0 57,975.0
2,130.0 1,822.0 2,048.0
114,891.0 104,485.0 98,024.0
117,021.0 106,307.0 100,072.0
4,290.0 3,494.0 3,908.0
n.a. n.a. n.a.
70,036.0 67,531.0 62,441.0

n.a. n.a. n.a.
86,010.0 113,961.0 118,160.0
29,288.0 16,621.0 14,614.0
64,117.0 70,975.0 74,541.0
n.a. n.a. n.a.
2,205.0 1,982.0 1,714.0
n.a. n.a. n.a.
181,620.0 203,539.0 209,029.0
21,456.0 25,506.0 28,579.0
n.a. n.a. n.a.
83.0 96.0 109.0
52,295.0 3,907.0 2,898.0
n.a. 43,641.0 41,669.0
418,925.0 423,199.0 414,170.0
2,187.0 1,442.0 1,385.0

n.a. n.a. n.a.
n.a. n.a. n.a.
1,817.0 1,545.0 1,347.0
101.0 32.0 11.0
178.0 147.0 159.0
953.0 953.0 582.0
1,969.0 1,076.0 996.0
70.0 n.a. n.a.
927.0 2,943.0 3,034.0
427,127.0 431,337.0 421,684.0
8,114.0 6,428.0 4,674.0

30,518.0 31,680.0 31,750.0
39,175.0 39,487.0 36,251.0
77,807.0 77,595.0 72,675.0
59,643.0 57,935.0 57,705.0
n.a. n.a. n.a.
n.a. n.a. n.a.
137,450.0 135,530.0 130,380.0
65,525.0 62,996.0 75,887.0
4,350.0 3,668.0 4,204.0
n.a. n.a. n.a.
69,875.0 66,664.0 80,091.0
34,365.0 18,404.0 15,971.0
119,188.0 145,224.0 132,232.0
360,878.0 365,822.0 358,674.0
n.a. n.a. n.a.

n.a. n.a. n.a.
1,474.0 47,041.0 43,965.0
403.0 354.0 251.0
792.0 734.0 932.0
n.a. n.a. n.a.
n.a. n.a. n.a.
48,205.0 n.a. n.a.
5,999.0 5,237.0 5,783.0
417,751.0 419,188.0 409,605.0
958.0 1,146.0 1,239.0
1,710.0 n.a. n.a.
5,886.0 7,354.0 6,974.0

1,783.0 3,484.0 3,171.0
-926.0 156.0 693.0
-3.0 n.a. n.a.
-32.0 9.0 2.0
6,708.0 11,003.0 10,840.0

427,127.0 431,337.0 421,684.0
3,276.0 10,387.0 10,516.0
4,680.0 11,897.0 11,926.0
7.71 7.76 n.a.

n.a. n.a. n.a.
2.90 2.62 n.a.

2.54 2.28 n.a.
0.69 0.65 n.a.

0.59 0.62 n.a.
0.69 0.65 n.a.
-95.81 30.01 45.64

167.93 66.93 66.59
0.58 0.61 n.a.
-10.13 11.69 n.a.
-0.23 0.30 n.a.
-54.17 16.37 16.07
-15.63 9.78 n.a.

-0.36 0.25 n.a.
24.82 16.01 10.06
-0.85 1.10 1.97
-1.31 0.92 1.65
-11.75 8.21 n.a.

-0.27 0.21 n.a.
-23.62 3.31 n.a.
-0.55 0.08 n.a.
n.a. n.a. n.a.
-0.99 0.77 1.76

-1.99 0.31 2.41
2.78 8.92 9.93

3.97 10.22 11.26
1.19 2.41 2.50
7.40 7.70 9.70
9.70 10.20 12.60
n.a. n.a. n.a.
1.57 2.55 2.57
-12.95 n.a. n.a.
-6.44 n.a. n.a.
n.a. n.a. n.a.

-19.63 8.15 17.15
-0.98 2.29 n.a.

10.08 6.23 n.a.
3.67 3.29 3.91
1.82 1.71 2.05
49.65 52.15 52.41
32.20 15.20 17.16
0.36 0.10 n.a.

0.24 0.05 n.a.
3.67 3.29 3.91
150.40 137.00 137.70

117.43 116.56 108.21
23.83 22.33 21.21
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 6,740.0 6,874.0

n.a. n.a. n.a.
n.a. 21,880.0 18,550.0

n.a. n.a. n.a.
427,127.0 459,957.0 447,108.0
118,025.0 116,400.0 105,900.0
n.a. n.a. n.a.
118,025.0 116,400.0 105,900.0
110,865.3 103,189.5 n.a.

420,002.0 418,684.5 n.a.
429,430.7 426,510.5 n.a.
n.a. n.a. n.a.
364,176.3 362,248.0 n.a.
7,032.7 7,164.0 n.a.
9,926.3 10,921.5 n.a.
77,223.0 75,135.0 n.a.
n.a. 20,727.0 n.a.

n.a. 15,410.0 n.a.
n.a. 54,657.0 n.a.
n.a. 15,513.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 8,076.0 n.a.

n.a. 10,590.0 n.a.
n.a. 27,048.0 n.a.
n.a. 27,528.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 12,949.0 n.a.

n.a. 2,948.0 n.a.
n.a. 61,698.0 n.a.
n.a. n.a. n.a.
n.a. 22,982.0 n.a.

n.a. 7,297.0 n.a.
n.a. 27,656.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. 20,914.0 n.a.
n.a. 42,082.0 n.a.
n.a. n.a. n.a.
n.a. 62,996.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
4,350.0 3,668.0 4,204.0
n.a. n.a. n.a.
-1,166.0 897.0 1,859.0

n.a. n.a. n.a.
-1,166.0 n.a. n.a.
6,708.0 11,003.0 10,840.0

1,710.0 n.a. n.a.
n.a. n.a. n.a.

8,418.0 n.a. n.a.
6,708.0 11,003.0 10,840.0
0.0 0.0 0.0
0.0 0.0 0.0

101.0 32.0 11.0
178.0 147.0 159.0
1,361.0 437.0 154.0
1,697.0 0.0 0.0
95.0 0.0 0.0
3,276.0 10,387.0 10,516.0

1,404.0 1,510.0 1,410.0
0.0 0.0 0.0
4,680.0 11,897.0 11,926.0
1,404.0 4,451.6 4,506.8
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
8,550.0 8,009.0 8,304.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
52,837.0 67,389.0 65,735.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
375.0 929.0 759.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

32,798.0 45,643.0 51,666.0
86,010.0 113,961.0 118,160.0
44,305.0 47,248.0 50,615.0
18,110.0 22,249.0 22,152.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,702.0 1,478.0 1,774.0
n.a. n.a. n.a.
64,117.0 70,975.0 74,541.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
18,110.0 22,249.0 22,152.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
34,875.0 48,050.0 54,199.0
285.0 74.0 751.0

21.0 20.0 356.0
264.0 54.0 395.0
333.0 324.0 381.0

1,522.0 1,511.0 1,688.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
3,871.0 3,871.0 3,871.0
843.0 n.a. n.a.

2,280.0 3,483.0 3,103.0
58.0 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
1,783.0 3,484.0 3,171.0
4,925.0 7,519.0 7,669.0
6,708.0 7,354.0 6,974.0
-926.0 156.0 693.0
-32.0 n.a. n.a.
n.a. n.a. n.a.
-32.0 n.a. n.a.
-990.0 156.0 693.0
n.a. 8.0 3.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
-990.0 164.0 696.0
n.a. n.a. n.a.
-990.0 164.0 696.0
1,710.0 n.a. n.a.
8,418.0 11,003.0 10,840.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
151.0 n.a. n.a.
n.a. n.a. n.a.
1,361.0 437.0 154.0
279.0 n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,668.0 1,510.0 1,410.0
2,668.0 1,510.0 1,410.0
2,668.0 1,510.0 1,410.0
8,786.0 8,999.0 9,708.0

11,457.0 n.a. n.a.
7.40 7.70 9.70
9.70 10.20 12.60
118,025.0 116,400.0 105,900.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
181,620.0 203,539.0 209,029.0

n.a. n.a. n.a.
181,620.0 203,539.0 209,029.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
24,642 24,210 24,055

n.a. n.a. n.a.
7.40 7.70 9.70
n.a. n.a. n.a.
9.70 10.20 12.60
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,139.0 1,392.0 1,324.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006
1.82 1.71 2.05

13.86 3.96 14.36
49.65 52.15 52.41
3.67 3.29 3.91
0.24 0.05 0.40
-34.56 5.38 18.00
50.96 31.76 36.05
25.66 15.20 17.16
7.40 7.70 9.70
9.70 10.20 12.60
1.97 2.55 2.57
7.33 10.53 11.06
6.12 8.12 8.31
2.04 2.65 2.67
3.21 3.67 3.86
11.95 15.14 16.61
9.99 11.67 12.49
3.32 3.81 4.02
31.69 23.19 25.82
0.69 0.65 0.56

0.68 0.63 0.55
-0.33 0.27 0.62
0.67 0.63 0.76
-0.33 0.27 0.42
0.06 -0.06 0.03
-0.27 0.21 0.44
-12.01 8.21 17.15
-12.95 n.a. n.a.
-13.56 n.a. n.a.
12.26 -11.37 17.11
167.93 66.93 57.83
-0.23 0.30 0.49
117.43 116.56 108.21

26.90 24.22 23.25
83.59 77.09 75.18
32.23 28.85 27.65
115.12 134.98 139.58
44.38 50.51 51.34
Bayerische Landesbank
80333 MÜNCHEN BvD ID number DE13109

Status Active
The GUO of this controlled subsidiary is FREISTAAT BAYERN BAYERISCHES STAATSMINISTERIUM DER
FINANZEN
Contact details
BRIENNER STRASSE 20 Phone number 49 (89) 21 71-01

Fax number 49 (89) 21 71-35 79
80333 MÜNCHEN Web Site Address www.bayernlb.de
GERMANY
Formerly known as Bayerische Landesbank Girozentrale

Bank History :
Established on July 1, 1972 through the merger of Bayerische Gemeindebank Gironzentrale and Bayerische
Landesbodenkreditanstalt. On August 1, 2002, Bayerische Landesbank Girozentrale changed its name to Bayerische
Landesbank.
Accounting Standards International Financial Nickname BYLBIFRS
Name of the Auditor PwC Wirtschaftsprufung AG Model ALLBANKS
available

Latest net income 65 mil EUR Ranking (Country), rolling
No of recorded 1
shareholders World rank, 2011
subsidiaries
Specialisation Specialized Governmental
Credit Institution
Peer Group
Specialised Gov. Credit Institutions Europe (Excl. Eastern
Peer Group Name
Europe)
Size 114
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 155,226 153,119 156,934 199,643
Gross Loans 157,589 155,414 158,962 202,567
Less: Reserves for Impaired Loans/ NPLs 2,363 2,295 2,028 2,924
Other Earning Assets 148,870 157,074 173,213 206,846
Loans and Advances to Banks 48,996 61,004 73,814 89,123
Derivatives 5,941 4,860 4,711 4,475
Other Securities 90,617 88,274 91,898 109,699
Remaining earning assets 3,316 2,936 2,790 3,549
Total Earning Assets 304,096 310,193 330,147 406,489
Fixed Assets 611 693 836 1,951
Non-Earning Assets 4,437 5,468 7,835 13,015
Total Assets 309,144 316,354 338,818 421,455

Deposits & Short term funding 168,397 174,905 183,681 233,787
Total Customer Deposits 92,682 91,734 92,197 91,307
Deposits from Banks 75,715 83,171 91,484 142,480
Other Deposits and Short-term Borrowings n.a. n.a. n.a. n.a.
Other interest bearing liabilities 119,926 120,592 133,360 166,676
Derivatives 38,649 33,126 31,448 36,296
Trading Liabilities 374 291 236 811
Long term funding 80,903 87,175 101,676 129,569
Other (Non-Interest bearing) 2,546 2,944 4,430 6,793
Loan Loss Reserves 145 179 198 217
Other Reserves 3,919 3,823 3,088 2,895
Equity 14,211 13,911 14,061 11,087
Total Liabilities & Equity 309,144 316,354 338,818 421,455
Notes
Impaired Loans (Memo) 4,517 5,146 3,860 3,954
Loan Loss Reserves (Memo) 2,508 2,474 2,226 3,141
Liquid Assets (Memo) 101,767 105,629 116,204 141,702
Intangibles (Memo) 147 207 266 2,213
Off Balance Sheet Items 41,007 43,348 52,954 67,117
Hybrid Capital (Memo) 1,565 1,172 1,327 1,796

Subordinated Debts (Memo) 5,399 6,554 7,390 10,025
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Interest Revenue 1,963 1,942 2,562 2,670
Other Operating Income 1,357 1,920 1,390 -3,412
Net Gains (Losses) on Trading and Derivatives 106 53 98 -136
Net Gains (Losses) on Assets at FV through Income 341 1,043 887 -2,076
Statement
Net Fees and Commissions 262 312 487 584
Remaining Operating Income 648 512 -82 -1,784
Overheads 2,329 2,319 3,209 2,620
Loan Loss Provisions 548 696 3,277 1,656
Other -109 38 -231 -87
Profit before Tax 334 885 -2,765 -5,105
Tax 269 295 328 249
Net Income 65 590 -3,093 -5,354
Operating Income (Memo) 3,364 3,900 3,961 -751
Dividend Paid n.a. n.a. n.a. 126

Tier 1 Ratio 11.40 11.20 12.50 8.00
Total Capital 18,400 19,200 23,000 24,200
Tier 1 Capital 13,500 13,900 16,900 15,800
Net-Charge Offs 400 339 1,298 -2

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 6,969 7,134 10,467 13,581

Other Interest Income 4,737 4,409 5,932 8,577
Gross Interest and Dividend Income 11,706 11,543 16,399 22,158

Other Interest Expense 9,743 9,601 13,837 19,488
Total Interest Expense 9,743 9,601 13,837 19,488
Net Interest Income 1,963 1,942 2,562 2,670
Net Gains (Losses) on Trading and Derivatives 106 53 98 -136

Net Gains (Losses) on Other Securities -73 -291 -1,320 -1,952
Net Gains (Losses) on Assets at FV through Income 341 1,043 887 -2,076
Statement
Net Fees and Commissions 262 312 487 584
Other Operating Income 765 841 1,247 159
Total Non-Interest Operating Income 1,401 1,958 1,399 -3,421
Personnel Expenses 657 657 926 1,069
Other Operating Expenses 1,672 1,662 2,283 1,551
Total Non-Interest Expenses 2,329 2,319 3,209 2,620
Equity-accounted Profit/ Loss - Operating -44 -38 -9 9

Pre-Impairment Operating Profit 991 1,543 743 -3,362
Loan Impairment Charge 548 696 3,277 1,656
Operating Profit 443 847 -2,534 -5,018

Non-recurring Income 41 124 245 n.a.
Non-recurring Expense 20 83 361 87
Change in Fair Value of Own Debt -130 -3 -115 n.a.
Pre-tax Profit 334 885 -2,765 -5,105
Tax expense 269 295 328 249
Net Income 65 590 -3,093 -5,354
Change in Value of AFS Investments 309 450 842 -1,707

Currency Translation Differences -13 -26 93 -178
Remaining OCI Gains/(losses) 33 n.a. n.a. n.a.
Fitch Comprehensive Income 394 1,014 -2,158 -7,239
Memo: Profit Allocation to Non-controlling Interests -39 -45 -474 274
Memo: Net Income after Allocation to Non- 104 635 -2,619 -5,628
Memo: Common Dividends Relating to the Period n.a. n.a. n.a. 126
Balance Sheet
Assets
Loans
Other Loans 157,589 155,414 158,962 202,567
Less: Reserves for Impaired Loans/ NPLs 2,363 2,295 2,028 2,924
Net Loans 155,226 153,119 156,934 199,643
Gross Loans 157,589 155,414 158,962 202,567
Memo: Impaired Loans included above 4,517 5,146 3,860 3,954
Loans and Advances to Banks 48,996 61,004 73,814 89,123
Trading Securities and at FV through Income 50,126 42,016 38,878 48,783
Derivatives 5,941 4,860 4,711 4,475
Available for Sale Securities 18,913 18,740 19,804 24,577
Held to Maturity Securities n.a. n.a. n.a. 40
At-equity Investments in Associates 602 786 782 940
Other Securities 20,976 26,732 32,434 35,359
Total Securities 96,558 93,134 96,609 114,174
Investments in Property 2,061 2,773 2,761 3,517
Other Earning Assets 1,255 163 29 32
Total Earning Assets 304,096 310,193 330,147 406,489
Non-earning Assets
Cash and Due From Banks 2,645 2,609 3,512 3,796
Fixed Assets 611 693 836 1,951
Goodwill n.a. 94 150 970
Other Intangibles 147 113 116 1,243
Current Tax Assets 72 78 188 269
Deferred Tax Assets 816 1,709 2,980 4,390
Other Assets 757 865 889 2,347
Total Assets 309,144 316,354 338,818 421,455
Customer Deposits - Current 51,749 51,569 49,023 37,937
Customer Deposits - Savings 9,816 9,300 9,156 8,663
Customer Deposits - Term 31,117 30,865 34,018 44,707
Total Customer Deposits 92,682 91,734 92,197 91,307
Deposits from Banks 75,715 83,171 91,484 142,480
Total Deposits, Money Market and Short-term 168,397 174,905 183,681 233,787
Funding
Senior Debt Maturing after 1 Year 53,409 60,370 72,322 n.a.
Subordinated Borrowing 5,399 6,554 7,390 10,025
Other Funding 20,530 19,079 20,637 117,748
Total Long Term Funding 79,338 86,003 100,349 127,773
Derivatives 38,649 33,126 31,448 36,296
Trading Liabilities 374 291 236 811
Total Funding 286,758 294,325 315,714 398,667
Fair Value Portion of Debt 136 19 9 -269
Credit impairment reserves 145 179 198 217
Reserves for Pensions and Other 3,919 3,823 3,088 2,895
Current Tax Liabilities 373 197 359 531
Deferred Tax Liabilities 776 1,653 3,009 4,371
Other Liabilities 1,261 1,075 1,053 2,160
Total Liabilities 293,368 301,271 323,430 408,572
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 1,565 1,172 1,327 1,796
Debt
Pref. Shares and Hybrid Capital accounted for as 4,184 4,287 4,128 545
Equity
Equity
Common Equity 10,719 10,552 11,125 10,483
Non-controlling Interest 122 227 387 2,573
Securities Revaluation Reserves -740 -1,087 -1,537 -2,379
Foreign Exchange Revaluation Reserves -74 -68 -42 -135
OCI
Total Equity 10,027 9,624 9,933 10,542
Total Liabilities and Equity 309,144 316,354 338,818 421,455
Memo: Fitch Core Capital 9,984 9,398 9,657 7,794
Memo: Fitch Eligible Capital 13,834 13,339 13,271 9,397
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Non-Interest Expense/ Gross Revenues% 69.23 59.46 81.01 -348.87
Taxes/ Pre-tax Profit% 80.54 33.33 -11.86 -4.88
Assets%
Net Income/ Average Total Equity% 0.56 4.99 -20.66 -49.14
Net Income/ Average Total Assets% 0.02 0.18 -0.78 -1.28
Fitch Comprehensive Income/ Average Total Equity 3.39 8.57 -14.41 -66.44
%
Fitch Comprehensive Income/ Average Total Assets 0.13 0.30 -0.54 -1.73
%
Securitized Assets%
Net Income/ Risk Weighted Assets% 0.05 0.48 -2.28 -2.71
Fitch Comprehensive Income/ Risk Weighted Assets 0.33 0.82 -1.59 -3.66
%
Capitalization
Cash Dividends Paid & Declared/ Net Income% n.a. n.a. n.a. -2.35
Cash Dividend Paid & Declared/ Fitch Comprehensive n.a. n.a. n.a. -1.74
Income%
Net Income - Cash Dividends/ Total Equity% 0.65 6.13 -31.14 -51.98
Loan Quality
Growth of Gross Loans% 1.40 -2.23 -21.53 15.38
%
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 13,586 14,105 18,131 22,404

balance sheet
Committed Credit Lines 27,261 29,062 34,697 44,080
Other Contingent Liabilities 160 181 126 633
Total Business Volume 350,151 359,702 391,772 488,572
Memo: Total Weighted Risks 118,400 123,900 135,800 197,700
Fitch Adjusted Weighted Risks 118,400 123,900 135,800 197,700
Average Loans 155,118 155,989 193,004 187,909
Average Earning Assets 301,935 327,386 383,875 402,628
Average Assets 307,844 335,136 397,256 418,623
Average Interest-Bearing Liabilities 285,629 311,851 369,948 395,248
Average Common equity 12,079 12,497 13,674 9,644
Average Equity 11,610 11,833 14,973 10,896
Average Customer Deposits 92,366 94,005 98,679 95,278
Maturities
Loans & Advances < 3 months 21,188 22,037 17,686 26,672
Loans & Advances 3 - 12 Months 14,947 12,070 14,336 19,476
Loans and Advances 1 - 5 Years 43,925 45,225 48,410 63,722
Loans & Advances > 5 years 74,607 76,082 78,530 92,697

Interbank < 3 Months 16,510 13,929 24,988 37,747

Interbank 3 - 12 Months 8,507 10,051 17,892 15,460
Interbank 1 - 5 Years 15,654 20,179 20,974 23,934
Interbank > 5 Years 8,884 17,529 10,752 12,497
Retail Deposits < 3 months 51,749 51,569 49,023 37,937

Retail Deposits 3 - 12 Months 5,012 4,320 4,036 10,155
Retail Deposits 1 - 5 Years 8,991 10,082 9,587 12,356
Retail Deposits > 5 Years 26,930 25,763 29,551 30,859

Interbank < 3 Months 12,219 26,647 26,259 68,799

Interbank 3 - 12 Months 10,253 6,908 19,310 21,753
Interbank 1 - 5 Years 24,578 20,171 20,311 24,159
Interbank > 5 Years 23,471 29,445 25,604 27,769

Subordinated Debt Maturing 3-12 Months n.a. n.a. 1,847 2,132
Subordinated Debt Maturing 1- 5 Year n.a. n.a. 6,870 9,689
Total Subordinated Debt on Balance Sheet 5,399 6,554 7,390 10,025
Net Income 65 590 -3,093 -5,354
Published Net Income 65 590 -3,093 -5,354
Equity 10,027 9,624 9,933 10,542
Add: Pref. Shares and Hybrid Capital accounted for 4,184 4,287 4,128 545
as Equity
Published Equity 14,211 13,911 14,061 11,087

Total Equity as reported (including non-controlling 10,027 9,624 9,933 10,542
interests)
Fair value effect incl in own debt/borrowings at fv on 136 19 9 -269
the B/S- CC only
Non-loss-absorbing non-controlling interests 0 0 0 0
Goodwill 0 94 150 970
Other intangibles 147 113 116 1,243
Deferred tax assets deduction 32 38 19 266
Net asset value of insurance subsidiaries 0 0 0 0
First loss tranches of off-balance sheet 0 0 0 0
securitizations
Fitch Core Capital 9,984 9,398 9,657 7,794
Eligible weighted Hybrid capital 3,850 3,941 3,614 1,603
Government held Hybrid Capital 0 0 0 0
Fitch Eligible Capital 13,834 13,339 13,271 9,397
Eligible Hybrid Capital Limit 4,279 4,028 4,139 3,340
Total Interest Income on Loans 6,969 7,134 10,467 13,581

Borrowing
Securities
breakdown)
Income Statement
Statement
AFS Assets - Debt Securities (where no issuer n.a. n.a. n.a. 24,079
breakdown)
AFS Assets - Equities n.a. n.a. n.a. 262
AFS Assets - Other n.a. n.a. n.a. 834
Total AFS Assets 18,913 18,740 19,804 24,577
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. n.a. 40

Total HTM Debt Securities n.a. n.a. n.a. 40
Total Debt Securities - Equities & Other n.a. n.a. n.a. 1,096
Asset Quality Data

Net Charge-offs
Gross Charge-offs 447 433 1,336 n.a.
Recoveries 47 94 38 n.a.
Net Charge-offs 400 339 1,298 -2
Reserves
Collective/General Loan Impairment Reserves 372 452 525 653
Individual/Specific Loan Impairment Reserves 2,550 2,527 2,295 2,786

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 2,912 2,912 6,526 4,168

Retained Earnings 3,333 2,952 6,619 10,194
Profit/Loss Reserve/Income for the period net of n.a. n.a. -3,093 -5,354
dividends
Non-controlling Interest 122 227 387 2,573
Other Common Equity 9,905 9,397 9,546 7,969
Total Common Equity 10,027 9,624 9,933 10,542
Valuation Reserves for AFS Securities in OCI Total -740 -1,087 -1,537 -2,379
Valuation Reserves for FX in OCI -74 -68 -42 -135
Total Valuation Reserves in OCI -814 -1,155 -1,579 -2,514
Other OCI Reserves 4,474 4,688 4,688 1,476
Total OCI Reserves 3,660 3,533 3,109 -1,038
Total Other Equity Reserves 3,660 3,533 3,109 -1,038
Hybrid Securities Reported in Equity 4,184 4,287 4,128 545
Total Reported Equity including Non-controlling 14,211 13,911 14,061 11,087
Interests
absorbing

Total Dividends Paid and Declared in Period n.a. n.a. n.a. 126
Deferred Tax Assets to be Deducted from Core 32 38 19 266
Capital
Hybrid Capital Fitch Class E 3,850 3,941 3,614 1,603
Weighted Total of Fitch Hybrid Capital Classes 3,850 3,941 3,614 1,603
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 3,850 3,941 3,614 1,603
Regulatory Tier 1 Capital 13,500 13,900 16,900 15,800
Total Regulatory Capital 18,400 19,200 23,000 24,200
Risk Weighted Assets including floor/cap per Basel II 118,400 123,900 135,800 197,700

II
Capital
Total Securities 96,558 93,134 96,609 114,174
Unencumbered Securities 96,558 93,134 96,609 114,174
deposits
banks

loans

Total Exposure to Central Bank 1,685 1,799 2,764 2,096
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Net Inc Bef Ln Lss Prov 65.25 26.36 705.44 0.05
Capital
Tier 1 Ratio 11.40 11.20 12.50 8.00
Equity / Net Loans 9.16 9.09 8.96 5.55
Operations
Dividend Pay-Out n.a. n.a. n.a. -2.35
Inc Net Of Dist / Avg Equity n.a. n.a. n.a. -45.71
Cost To Income Ratio 70.15 60.05 81.20 n.a.
Liquidity
Interbank Ratio 64.71 73.35 80.69 62.55
Date News
1 16/10/2012 Telefónica sets new offer price range again for Telefónica
Germany IPO (deal no. 1601374463)
2 12/10/2012 Bayerische Landesbank to sell GBW stake after summer (deal no.
1601309115)
1601390898)
1601373426)
5 12/07/2012 Bayerische Landesbank may sell MKB Bank (deal no.
1601390890)
6 27/06/2012 Deutsche Wohnen completes rights issue (deal no. 1601374995)
7 16/06/2012 Sparlassenverband Bayern acquires LBS Bayerische

Landesbausparkasse (deal no. 1601379116)

1601373426)
10 23/05/2012 E. Winkemann acquired by management and Equistone Private
Partners (deal no. 1601379973)
11 17/04/2012 BLB plans capital increase (deal no. 1601379115)
12 21/03/2012 Landesbanken may acquire stake in Helaba (deal no.
1601354114)
13 27/01/2012 MKB Bank in capital increase (deal no. 1601338652)
15 30/11/2010 MKB Bank will issue new shares (deal no. 1601333184)
16 16/07/2010 Hungarian government may acquire MKB Bank (deal no.
1601203782)
17 04/06/2010 MKB Bank to issue shares (deal no. 1601194884)
18 08/01/2010 MKB Bank has increase stake in MKB Altalanos Bistosito (deal no.
1601333200)
19 08/01/2010 MKB Bank has increase stake in MKB Eletbiztosito (deal no.
1601333208)
20 30/12/2009 Hypo Group Alpe Adria fully nationalised (deal no. 1601064030)
21 21/12/2009 Saarland ‘wants control of regional SME lender’ (deal no.

1601145654)
22 21/12/2009 BayernLB close to sale stake in SaarLB to Saarland state (deal
no. 1601034697)
23 21/12/2009 Saarland may increase stake in SaarLB (deal no. 1601145654)
24 14/12/2009 Hypo Alpe-Adria Bank International to receive additional capital

(deal no. 1601146948)
25 03/12/2009 GIP completes acquisition of Gatwick Airport (deal no.
1601008944)
26 13/11/2009 BayernLB increases Banque LBLux stake, ends cooperation (deal
no. 1601134755)
27 13/11/2009 Bayerische Landesbank to sell stake in LB(Swiss) Privatbank to
Landesbank Hessen- Thüringen (deal no. 1601134742)
28 13/08/2009 BayernLB may sell Bayerninvest (deal no. 1601104297)
29 06/08/2009 BayernLB issue may be resolved soon: Reuters (deal no.
620603)
30 04/06/2009 BayernLB may sell GBW (deal no. 1601084686)
31 08/05/2009 Bayerische LB to sell assets (deal no. 1601076431)
32 31/03/2009 BayernLB completes capital measures (deal no. 539686)
33 20/02/2009 MKB Bank issues new shares to Bayerische Landesbank (deal no.
1601068567)
34 29/12/2008 Serco acquires SI International (deal no. 1601012006)
35 06/12/2008 Hypo Alpe-Adria Bank International raises capital (deal no.
1601029844)
36 23/10/2008 BayernLB to sell certain activities for state aid (deal no.
1601025175)
37 21/10/2008 Huber no longer opposes BayernLB and LBBW deal (deal no.
577538)
38 29/07/2008 Eurosic and Caisse des Dépôts et Consignations acquires Terra
Nova II (deal no. 1601077375)
39 09/06/2008 Investor may acquire stake in BayernLB (deal no. 648821)
40 24/02/2008 Bavarian state may sell majority stake in BayernLB (deal no.
620603)
41 03/01/2008 Low & Bonar acquires MTX Group (deal no. 598315)
42 27/11/2007 BayernLB sells stake in Hauck & Aufhäuser Privatbankiers to
private investor (deal no. 531783)
43 21/11/2007 Hypo Alpe-Adria Bank International may raise capital (deal no.
595952)
44 09/10/2007 BayernLB acquires majority stake in Hypo Alpe Adria (deal no.
538602)
45 23/09/2007 LBBW to enter merger talks with BayernLB (deal no. 577538)
46 12/09/2007 Bayern LB to acquire Slavonska Banka (deal no. 375315)
47 12/09/2007 Bayern LB to acquire Hypo Alpe-Adria-Bank (deal no. 577885)
48 06/07/2007 DKB Immobilien sells stake in GBWAG to BayernLB (deal no.
573085)
49 06/07/2007 Zhongde Waste Technology AG floats (deal no. 546786)
50 02/07/2007 Tognum floats (deal no. 518720)
Source : Zephyr
Boards & committees

1. Mr. Jan-Christian Dreesen - Member of the Board of ExeB VI
2. Mr. Stefan Ermisch - Member of the Board of ExeB VI
3. Mr. Marcus Kramer - Member of the Board of ExeB VI
P084747703 Management (since 01/05/2010)
4. Mr. Nils Niermann - Member, Board of Management ExeB VI

P039819930 (since 01/12/2010)
5. Mr. Stephan Winkelmeier - Member of the Board of ExeB VI
P105010420 Management (since 01/07/2010)
6. Dr. Edgar Zoller - Member, Board of Management ExeB VI

P026697882
7. Dr. Klaus von Lindeiner-Wildau - Chairman, Audit Committee AudC VI
P019699428 - Member, Board of Administration OthBC VI
8. Mr. Joachim Herrmann - Member, Audit Committee AudC VI

8.
9. Mr. Diethard Irrgang - Member, Audit Committe AudC VI

10. Mr. Walter Strohmaier - Member of Audit Committee AudC VI

P029591839 (since 16/09/2010)
- Second Deputy Chairman, Board OthBC VI
of Administration; Member,
Board of Administration
(since 01/08/2010)
11. Mr. Georg Fahrenschon - Chairman, Board of OthBC VI
P123440901 Administration
12. Mr. Alexander A.T. Mettenheimer - Chairman of Risk Committee OthBC VI
- Member, Board of OthBC VI
P001407678 Administration; First Deputy
Chairman, Board of
Administration
(since 01/08/2010)
13. Dr. Axel Diekmann - Deputy Chairman, Risk OthBC VI
P123453340 Committee; Member, Board of
Administration
(since 25/11/2010)
14. Dr. Michael Bauer - Member, Risk Committee; OthBC VI
P103302294 Member, Board of Administration
(since 15/01/2010)
15. Prof. Dr. Georg Crezelius - Member, Board of Administration OthBC VI

P039600107
16. Mr. (Johann) Schaidinger Hans - Member, Board of OthBC VI
P129349313 Administration; Member, Risk
Committee
17. Mr. Martin Zeil - Member, Risk Committee; OthBC VI
P039657410 Member, Board of Administration
Management & staff

1. Mr. Gerd Häusler - CEO (since 04/2010) SenMan VI
P073450009
2. Mr. Stefan Ermisch - Deputy Chief Executive Officer SenMan VI
P014295072
3. Mr. Marcus Kramer - Chief Risk Officer OthDep VI
P084747703 (since 01/05/2010)
4. Mr. Stephan Winkelmeier - Chief Restructuring Officer OthDep VI
P105010420 (since 01/07/2010)
ERIUM DER
1 71-01
1 71-35 79
ernlb.de
erische
e to Bayerische
S
ports
2
S
pe (Excl. Eastern
manager for more
manager for more
Watch
IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006
199,643 173,260 134,946

202,567 175,567 137,097
2,924 2,307 2,151
206,846 226,269 200,774
89,123 68,311 68,750
4,475 1,944 13,487
109,699 152,639 115,966
3,549 3,375 2,571
406,489 399,529 335,720
1,951 1,786 717
13,015 14,323 7,932
421,455 415,638 344,369
233,787 186,063 156,706

91,307 92,617 76,704
142,480 93,446 80,002
n.a. n.a. n.a.
166,676 206,033 165,484
36,296 16,519 12,971
811 54,153 36,753
129,569 135,361 115,760
6,793 8,119 6,792
217 210 n.a.
2,895 2,320 2,828
11,087 12,893 12,559
421,455 415,638 344,369
3,954 4,937 5,364

3,141 2,517 2,151
141,702 157,330 119,134
2,213 2,571 246
67,117 84,054 n.a.
1,796 1,956 1,298

10,025 10,497 7,320

31/12/2008 31/12/2007 31/12/2006
2,670 2,189 1,820
-3,412 -50 578
-136 -199 139
-2,076 -31 35
584 380 404

-1,784 -200 0
2,620 1,765 1,466
1,656 115 182
-87 -4 582
-5,105 255 1,332
249 80 343
-5,354 175 989
-751 2,009 2,398
126 122 n.a.
12.30 11.50 10.69

8.00 6.40 7.66
24,200 21,471 17,522
15,800 12,001 10,695
-2 -35 38
IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006
13,581 10,778 n.a.

8,577 8,988 15,168
n.a. n.a. n.a.
22,158 19,766 15,168
n.a. n.a. n.a.

19,488 17,577 13,348
19,488 17,577 13,348
2,670 2,189 1,820
-136 -199 139

-1,952 -466 0
-2,076 -31 35
n.a. n.a. n.a.

584 380 404
159 136 n.a.
-3,421 -180 578
1,069 868 771
1,551 897 695
2,620 1,765 1,466
9 130 n.a.
-3,362 374 932
1,656 115 182
n.a. n.a. n.a.
-5,018 259 750
n.a. n.a. n.a.

n.a. n.a. 482
87 4 n.a.
n.a. n.a. n.a.
n.a. n.a. 100
-5,105 255 1,332
249 80 343
n.a. n.a. n.a.
-5,354 175 989
-1,707 -1,002 329

n.a. n.a. n.a.
-178 36 7
n.a. n.a. 1
-7,239 -791 1,326
274 -83 11
-5,628 258 978
126 122 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
202,567 175,567 137,097
2,924 2,307 2,151
199,643 173,260 134,946
202,567 175,567 137,097
3,954 4,937 5,364
n.a. n.a. n.a.
89,123 68,311 68,750

n.a. n.a. n.a.
48,783 84,812 48,528
4,475 1,944 13,487
24,577 65,603 67,333
40 41 n.a.
940 125 105
35,359 2,058 n.a.
114,174 154,583 129,453
n.a. n.a. n.a.
n.a. n.a. n.a.
3,517 3,375 2,571
n.a. n.a. n.a.
32 0 0
406,489 399,529 335,720
3,796 4,207 1,856

n.a. n.a. n.a.
n.a. n.a. n.a.
1,951 1,786 717
970 998 246
1,243 1,573 n.a.
269 362 314
4,390 5,034 4,552
n.a. n.a. n.a.
2,347 2,149 964
421,455 415,638 344,369
37,937 n.a. n.a.

8,663 n.a. n.a.
44,707 92,617 76,704
91,307 92,617 76,704
142,480 93,446 80,002
n.a. n.a. n.a.
n.a. n.a. n.a.
233,787 186,063 156,706
n.a. n.a. n.a.

10,025 10,497 7,320
117,748 122,908 107,142
127,773 133,405 114,462
36,296 16,519 12,971
811 54,153 36,753
398,667 390,140 320,892
-269 -13 n.a.

217 210 n.a.
2,895 2,320 2,828
531 277 295
4,371 4,915 4,719
n.a. 486 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,160 2,454 1,778
408,572 400,789 330,512
1,796 1,956 1,298
545 621 581
10,483 10,843 11,089

2,573 2,058 552
-2,379 -672 329
-135 n.a. n.a.
n.a. 43 8
10,542 12,272 11,978

421,455 415,638 344,369
7,794 9,062 n.a.
9,397 10,691 n.a.
7.23 6.89 n.a.

n.a. n.a. n.a.
5.50 5.38 n.a.

4.93 4.94 n.a.
0.66 0.60 n.a.

0.25 0.56 n.a.
0.66 0.60 n.a.
455.53 -8.96 24.10

-348.87 87.85 61.13
0.63 0.46 n.a.
-30.86 3.08 n.a.
-0.80 0.10 n.a.
-49.26 30.75 19.53
-46.05 2.14 n.a.

-1.20 0.07 n.a.
-4.88 31.37 25.75
-1.70 0.20 0.57
-2.54 0.14 0.46
-49.14 1.44 n.a.

-1.28 0.05 n.a.
-66.44 -6.52 n.a.
-1.73 -0.21 n.a.
n.a. n.a. n.a.
-2.71 0.09 0.60

-3.66 -0.42 0.81
3.94 4.80 n.a.

4.75 5.66 n.a.
1.92 2.20 3.29
8.00 6.40 7.66
12.30 11.50 10.69
n.a. n.a. n.a.
2.50 2.95 3.48
-2.35 69.71 n.a.
-1.74 -15.42 n.a.
n.a. n.a. n.a.

-51.98 0.43 8.26
1.40 20.70 n.a.

15.38 28.06 n.a.
1.95 2.81 3.91
1.44 1.31 1.57
73.95 46.73 40.10
9.77 21.43 26.82
0.88 0.07 n.a.

0.00 -0.02 n.a.
1.95 2.81 3.91
221.85 189.56 178.74
62.55 73.10 85.94
25.20 24.79 24.91
n.a. n.a. n.a.
n.a. n.a. n.a.
22,404 23,632 n.a.

n.a. n.a. n.a.
44,080 60,031 n.a.

633 391 n.a.
488,572 499,692 344,369
197,700 188,888 163,849
n.a. n.a. n.a.
197,700 188,888 163,849
187,909 156,332 n.a.

402,628 367,625 n.a.
418,623 380,004 n.a.
n.a. n.a. n.a.
395,248 355,510 n.a.
9,644 10,966 n.a.
10,896 12,125 n.a.
95,278 84,661 n.a.
26,672 n.a. n.a.

19,476 n.a. n.a.
63,722 n.a. n.a.
92,697 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
37,747 n.a. n.a.

15,460 n.a. n.a.
23,934 n.a. n.a.
12,497 n.a. n.a.
37,937 n.a. n.a.

10,155 n.a. n.a.
12,356 n.a. n.a.
30,859 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
68,799 n.a. n.a.

21,753 n.a. n.a.
24,159 n.a. n.a.
27,769 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,132 n.a. n.a.
9,689 n.a. n.a.
n.a. n.a. n.a.
10,025 10,497 7,320
n.a. n.a. n.a.
-5,354 175 989

n.a. n.a. n.a.
-5,354 175 n.a.
10,542 12,272 11,978

545 621 581
n.a. n.a. n.a.

11,087 n.a. n.a.
10,542 12,272 11,978
-269 -13 n.a.
0 0 n.a.
970 998 246
1,243 1,573 n.a.
266 626 425
0 0 n.a.
0 0 n.a.
7,794 9,062 n.a.

1,603 1,629 1,562
0 0 n.a.
9,397 10,691 n.a.
3,340 3,884 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
13,581 10,778 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
24,079 63,727 64,468
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
262 761 1,958
834 1,115 907
24,577 65,603 67,333
40 41 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
40 41 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,096 1,876 2,865
n.a. n.a. n.a.

n.a. n.a. n.a.
-2 -35 38
653 387 302

2,786 1,920 1,849
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
4,168 3,082 3,694
n.a. 476 476

10,194 6,547 6,919
-5,354 126 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
2,573 2,058 552
7,969 10,214 11,426
10,542 12,272 11,089
-2,379 -672 329
-135 43 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
-2,514 -629 329
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,476 n.a. n.a.
-1,038 -629 329
n.a. 612 n.a.
-1,038 -17 329
545 621 581
11,087 12,893 12,559
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
126 122 n.a.
n.a. n.a. n.a.
266 626 425
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,603 1,629 1,562
1,603 1,629 1,562
1,603 1,629 1,562
15,800 12,001 10,695

24,200 21,471 17,522
8.00 6.40 7.66
12.30 11.50 10.69
197,700 188,888 163,849
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 157 192
114,174 154,583 129,453

n.a. n.a. n.a.
114,174 154,583 129,453
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
20,285 19,226 n.a.

n.a. n.a. n.a.
8.00 6.40 7.66
n.a. n.a. n.a.
12.30 11.50 10.69
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,096 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006
1.55 1.43 1.57

62.02 5.25 10.00
79.44 50.98 40.10
1.95 2.81 3.91
0.00 -0.02 0.03
0.05 -12.07 3.25
35.66 38.29 42.71
7.33 18.77 25.58
8.00 6.40 7.66

12.30 11.50 10.69
2.63 3.10 3.65
5.55 7.44 9.31
4.74 6.93 8.01
2.78 3.30 3.89
5.44 6.10 6.15
11.47 14.63 15.69
9.80 13.62 13.51
5.75 6.49 6.55
43.76 41.42 34.57
0.66 0.60 0.54

0.64 0.58 0.53
-0.82 -0.01 0.17
1.02 0.50 0.48
-1.20 0.07 0.22
-0.08 -0.02 0.07
-1.28 0.05 0.29
-44.65 1.38 7.88
-2.35 69.71 n.a.
-45.71 0.42 n.a.
1.63 -2.29 58.85
n.a. 82.52 61.13
-0.80 0.10 0.27
62.55 73.10 85.94

47.37 41.69 39.19
85.40 93.12 86.11
51.37 45.64 43.04
60.61 84.56 76.02
36.46 41.44 37.99
Norddeutsche Landesbank Girozentrale NORD/LB
30159 HANNOVER
GERMANY
The GUO of this controlled subsidiary is LAND NIEDERSACHSEN
Contact details
FRIEDRICHSWALL 10
30159 HANNOVER
GERMANY
Bank History :
Established on July 1, 1970 as a result of the merger between Niedersächsische Landesbank Girozentrale; Braunschweigische Staa
Status
Accounting Standards
Accounts published in
Name of the Auditor
Types of accounts available
Latest total assets

Latest net income
No of recorded shareholders
No of recorded subsidiaries
Specialisation
Peer Group
Peer Group Name

Size

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EIU
Overall country rating
Banking sector rating
Global summary
Consolidated statements
BALANCE SHEET
Assets
Loans
Gross Loans
Less: Reserves for Impaired Loans/ NPLs
Loans and Advances to Banks
Derivatives
Other Securities
Remaining earning assets
Total Earning Assets
Fixed Assets
Non-Earning Assets
Total Assets

Deposits & Short term funding
Total Customer Deposits
Deposits from Banks
Other Deposits and Short-term Borrowings
Other interest bearing liabilities
Derivatives
Trading Liabilities
Long term funding
Other (Non-Interest bearing)
Loan Loss Reserves
Other Reserves
Equity
Total Liabilities & Equity
Notes
Impaired Loans (Memo)
Loan Loss Reserves (Memo)
Liquid Assets (Memo)
Intangibles (Memo)
Off Balance Sheet Items
Hybrid Capital (Memo)

Subordinated Debts (Memo)
INCOME STATEMENT
Net Interest Revenue

Other Operating Income
Net Gains (Losses) on Trading and Derivatives
Net Gains (Losses) on Assets at FV through Income Statement
Net Fees and Commissions
Remaining Operating Income
Overheads
Loan Loss Provisions
Other
Profit before Tax
Tax
Net Income
Operating Income (Memo)
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement
Interest Income on Loans

Other Interest Income
Dividend Income
Gross Interest and Dividend Income
Interest Expense on Customer Deposits

Other Interest Expense
Total Interest Expense
Net Interest Income

Net Gains (Losses) on Other Securities
Net Insurance Income
Total Non-Interest Operating Income
Personnel Expenses
Other Operating Expenses
Total Non-Interest Expenses
Equity-accounted Profit/ Loss - Operating

Pre-Impairment Operating Profit
Loan Impairment Charge
Securities and Other Credit Impairment Charges
Operating Profit
Equity-accounted Profit/ Loss - Non-operating

Non-recurring Income
Non-recurring Expense
Change in Fair Value of Own Debt
Other Non-operating Income and Expenses
Pre-tax Profit
Tax expense
Profit/Loss from Discontinued Operations
Net Income
Change in Value of AFS Investments

Revaluation of Fixed Assets
Currency Translation Differences
Remaining OCI Gains/(losses)
Fitch Comprehensive Income
Memo: Profit Allocation to Non-controlling Interests
Memo: Net Income after Allocation to Non-controlling Interests
Memo: Common Dividends Relating to the Period
Memo: Preferred Dividends Related to the Period
Balance Sheet
Assets
Loans
Residential Mortgage Loans
Other Mortgage Loans
Other Consumer/ Retail Loans
Corporate & Commercial Loans
Other Loans
Net Loans
Gross Loans
Memo: Impaired Loans included above
Memo: Loans at Fair Value included above
Reverse Repos and Cash Collateral
Trading Securities and at FV through Income
Derivatives
Available for Sale Securities
Held to Maturity Securities
At-equity Investments in Associates
Other Securities
Total Securities
Memo: Government Securities included Above
Memo: Total Securities Pledged
Investments in Property
Insurance Assets
Non-earning Assets
Cash and Due From Banks
Memo: Mandatory Reserves included above
Foreclosed Real Estate
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Discontinued Operations
Other Assets
Total Assets
Customer Deposits - Current
Customer Deposits - Savings
Customer Deposits - Term
Deposits from Banks
Repos and Cash Collateral
Total Deposits, Money Market and Short-term Funding
Senior Debt Maturing after 1 Year
Subordinated Borrowing
Other Funding
Total Long Term Funding
Derivatives
Trading Liabilities
Total Funding
Fair Value Portion of Debt
Credit impairment reserves
Reserves for Pensions and Other
Current Tax Liabilities
Deferred Tax Liabilities
Other Deferred Liabilities
Insurance Liabilities
Other Liabilities
Total Liabilities
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as Debt
Pref. Shares and Hybrid Capital accounted for as Equity
Equity
Common Equity
Non-controlling Interest
Securities Revaluation Reserves
Foreign Exchange Revaluation Reserves
Fixed Asset Revaluations and Other Accumulated OCI
Total Equity
Total Liabilities and Equity
Memo: Fitch Core Capital
Memo: Fitch Eligible Capital
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans%
Interest Expense on Customer Deposits/ Average Customer Deposits%
Interest Income/ Average Earning Assets%
Interest Expense/ Average Interest-bearing Liabilities%
Net Interest Income/ Average Earning Assets%
Net Int. Inc Less Loan Impairment Charges/ Av. Earning Assets%
Net Interest Inc Less Preferred Stock Dividend/ Average Earning Assets%
Non-Interest Income/ Gross Revenues%
Non-Interest Expense/ Gross Revenues%
Non-Interest Expense/ Average Assets%
Pre-impairment Op. Profit/ Average Equity%
Pre-impairment Op. Profit/ Average Total Assets%
Loans and securities impairment charges/ Pre-impairment Op. Profit%
Operating Profit/ Average Equity%
Operating Profit/ Average Total Assets%
Taxes/ Pre-tax Profit%
Pre-Impairment Operating Profit / Risk Weighted Assets%
Operating Profit / Risk Weighted Assets%
Net Income/ Average Total Equity%
Net Income/ Average Total Assets%
Fitch Comprehensive Income/ Average Total Equity%
Fitch Comprehensive Income/ Average Total Assets%
Net Income/ Av. Total Assets plus Av. Managed Securitized Assets%
Net Income/ Risk Weighted Assets%
Fitch Comprehensive Income/ Risk Weighted Assets%
Capitalization
Fitch Core Capital/Weighted Risks%
Fitch Eligible Capital/ Weighted Risks%
Tangible Common Equity/ Tangible Assets%
Tier 1 Regulatory Capital Ratio%
Total Regulatory Capital Ratio%
Core Tier 1 Regulatory Capital Ratio%
Equity/ Total Assets%
Cash Dividends Paid & Declared/ Net Income%
Cash Dividend Paid & Declared/ Fitch Comprehensive Income%
Cash Dividends & Share Repurchase/Net Income%
Net Income - Cash Dividends/ Total Equity%
Loan Quality
Growth of Total Assets%
Growth of Gross Loans%
Impaired Loans(NPLs)/ Gross Loans%
Reserves for Impaired Loans/ Gross loans%
Reserves for Impaired Loans/ Impaired Loans%
Impaired Loans less Reserves for Imp Loans/ Equity%
Loan Impairment Charges/ Average Gross Loans%
Net Charge-offs/ Average Gross Loans%
Impaired Loans + Foreclosed Assets/ Gross Loans + Foreclosed Assets%
Funding
Loans/ Customer Deposits%
Interbank Assets/ Interbank Liabilities%
Customer Deposits/ Total Funding excl Derivatives%
Reference Data
Managed Securitized Assets Reported Off-Balance Sheet
Other off-balance sheet exposure to securitizations
Guarantees
Acceptances and documentary credits reported off-balance sheet
Committed Credit Lines
Other Contingent Liabilities
Total Business Volume
Memo: Total Weighted Risks
Fitch Adjustments to Weighted Risks.
Fitch Adjusted Weighted Risks
Average Loans
Average Earning Assets
Average Assets
Average Managed Assets Securitized Assets (OBS)
Average Interest-Bearing Liabilities
Average Common equity
Average Equity
Average Customer Deposits
Maturities
Loans & Advances < 3 months
Loans & Advances 3 - 12 Months
Loans and Advances 1 - 5 Years
Loans & Advances > 5 years
Debt Securities < 3 Months

Debt Securities 3 - 12 Months
Debt Securities 1 - 5 Years
Debt Securities > 5 Years
Interbank < 3 Months

Interbank 3 - 12 Months
Interbank 1 - 5 Years
Interbank > 5 Years
Retail Deposits < 3 months

Retail Deposits 3 - 12 Months
Retail Deposits 1 - 5 Years
Retail Deposits > 5 Years
Other Deposits < 3 Months

Other Deposits 3 - 12 Months
Other Deposits 1 - 5 Years
Other Deposits > 5 Years

Interbank > 5 Years
Senior Debt Maturing < 3 months

Senior Debt Maturing 3-12 Months
Senior Debt Maturing 1- 5 Years
Senior Debt Maturing > 5 Years
Total Senior Debt on Balance Sheet
Fair Value Portion of Senior Debt
Covered Bonds
Subordinated Debt Maturing < 3 months
Subordinated Debt Maturing 3-12 Months
Subordinated Debt Maturing 1- 5 Year
Subordinated Debt Maturing > 5 Years
Total Subordinated Debt on Balance Sheet
Fair Value Portion of Subordinated Debt
Net Income
Add: Other Adjustments
Published Net Income
Equity
Add: Pref. Shares and Hybrid Capital accounted for as Equity
Published Equity

Total Equity as reported (including non-controlling interests)
Fair value effect incl in own debt/borrowings at fv on the B/S- CC only
Non-loss-absorbing non-controlling interests
Goodwill
Other intangibles
Deferred tax assets deduction
Net asset value of insurance subsidiaries
First loss tranches of off-balance sheet securitizations
Fitch Core Capital
Eligible weighted Hybrid capital
Government held Hybrid Capital
Fitch Eligible Capital
Eligible Hybrid Capital Limit
Interest Income on Mortgage Loans
Interest Income on Other Consumer/ Retail Loans
Interest Income on Corporate & Commercial Loans
Interest Income on Other Loans
Total Interest Income on Loans
Memo: Interest on Leases included in Loan Interest
Memo: Interest Income on Impaired Financial Assets
Interest Expense on Customer Deposits - Current
Interest Expense on Customer Deposits - Savings
Interest Expense on Customer Deposits - Term
Total Interest Expense on Customer Deposits
Total Interest Expense on Other Deposits and ST Borrowing
Interest Expense on Long-term Borrowing
Interest Expense on Subordinated Borrowing
Interest Expense on Other Funding
Total Interest Expense on Long-term Funding
Memo: Interest on Hybrids included above
Memo: Interest Expense on Leases included above
Income from Foreign Exchange (ex trading)
Negative Goodwill in Non-operating Income
Goodwill write-off
Securities
Trading Assets - Debt Securities (where no issuer breakdown)
Trading Assets - Debt Securities - Governments
Trading Assets - Debt Securities - Banks
Trading Assets - Debt Securities - Corporates
Trading Assets - Debt Securities - Structured
Trading Assets - Equities
Trading Assets - Commodities
Debt Sec. designated at FV through the Income Statement (where no split)
Debt Securities designated at FV through the Income Statement - Governments
Debt Securities designated at FV through the Income Statement - Banks
Debt Securities designated at FV through the Income Statement - Corporates
Debt Securities designated at FV through the Income Statement - Structured
Equity Securities designated at FV through the Income Statement
Loans at FV through the Income Statement
Trading Assets - Other
Total Trading Assets at FV through the Income Statement
AFS Assets - Debt Securities (where no issuer breakdown)
AFS Assets - Government
AFS Assets - Banks
AFS Assets - Corporates
AFS Assets - Structured
AFS Assets - Equities
AFS Assets - Other
Total AFS Assets
HTM - Debt Securities (where no issuer breakdown)
HTM - Government
HTM Assets - Banks
HTM Assets - Corporates
HTM Assets - Structured
Total HTM Debt Securities
Total Debt Securities - Government
Total Debt Securities - Banks
Total Debt Securities - Corporates
Total Debt Securities - Structured
Total Debt Securities - Equities & Other
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Collective/General Loan Impairment Reserves
Individual/Specific Loan Impairment Reserves
Normal Loans
Special Mention Loans
Substandard Loans
Doubtful Loans
Loss Loans
Other Classified Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital
Legal Reserves
Retained Earnings
Profit/Loss Reserve/Income for the period net of dividends
Stock Options to be Settled in Equity
Treasury Shares
Other Common Equity
Total Common Equity
Valuation Reserves for AFS Securities in OCI Total
Valuation Reserves for FX in OCI
Valuation Reserves for PP&E/Fixed Assets in OCI
Valuation Reserves in OCI - Other
Total Valuation Reserves in OCI
Cash Flow Hedge Reserve
Stock Options to be Settles with Equity Securities
Pension Reserve Direct to Equity
Other OCI Reserves
Total OCI Reserves
Other Equity Reserves
Total Other Equity Reserves
Hybrid Securities Reported in Equity
Total Reported Equity including Non-controlling Interests
Non-controlling Minority Interest - not loss-absorbing
Component of Convertible Bond Reported in Equity
Other Non-loss Absorbing Items Reported in Equity
Dividend Declared after Year-End
Total Dividends Related to Period
Total Dividends Paid and Declared in Period
Share Repurchase
Deferred Tax Assets to be Deducted from Core Capital
Intangibles to be deducted from Core Capital
Embedded Value
Hybrid Capital Fitch Class A
Hybrid Capital Fitch Class B
Hybrid Capital Fitch Class C
Hybrid Capital Fitch Class D
Hybrid Capital Fitch Class E
Weighted Total of Fitch Hybrid Capital Classes
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) Govt held Hybrid Capital
Regulatory Tier 1 Capital
Total Regulatory Capital
Risk Weighted Assets including floor/cap per Basel II
Risk Weighted Assets - Credit Risk
Risk Weighted Assets - Market Risk
Risk Weighted Assets - Operational Market Risk
Risk Weighted Assets - Other
Risk-Weighted Assets excluding Floor/Cap per Basel II
Capital Charge Credit Risk
Capital Charge Market Risk
Capital Charge Operational Market Risk
Net Open FX Positions
Value at Risk in Line with Basel II/CRD/Nat. Leg.
Standardised Interest Rate Shock
IRB Banks: Expected Loss
IRB Banks: Loan Loss Reserves
First Loss Pieces Retained from Securitisations
Equity Investments deducted from Regulatory Capital
Total Securities
Pledged Securities
Unencumbered Securities
Reverse repurchase agreements included in loans
Reverse repurchase agreements included in loans and advances to banks
Reverse repurchase agreements in assets - other
Cash collateral on securities borrowed
Repurchase agreements included in customer deposits
Repurchase agreements included in deposits from banks
Repurchase agreements included in liabilities - other
Cash collateral on securities lent
Average Reverse repurchase agreements included in loans
Number of Employees
Number of Branches
Regulatory Tier I Capital Ratio%
Regulatory Total Capital Ratio%
Leverage Ratio%
Assets under Management
Assets under Administration
Total Trust Assets
Deposits of Governments and Municipalities
Total Exposure to Central Bank
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Loan Loss Res / Gross Loans
Loan Loss Prov / Net Int Rev
Loan Loss Res / Impaired Loans
Impaired Loans / Gross Loans
NCO / Average Gross Loans
NCO / Net Inc Bef Ln Lss Prov
Impaired Loans / Equity
Unreserved Impaired Loans / Equity
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Equity / Cust & Short Term Funding
Equity / Liabilities
Cap Funds / Tot Assets
Cap Funds / Net Loans
Cap Funds / Dep & ST Funding
Cap Funds / Liabilities
Subord Debt / Cap Funds
Operations
Net Interest Margin
Net Int Rev / Avg Assets
Oth Op Inc / Avg Assets
Non Int Exp / Avg Assets
Pre-Tax Op Inc / Avg Assets
Non Op Items & Taxes / Avg Ast
Return On Avg Assets (ROAA)
Return On Avg Equity (ROAE)
Dividend Pay-Out
Inc Net Of Dist / Avg Equity
Non Op Items / Net Income
Cost To Income Ratio
Recurring Earning Power
Liquidity
Interbank Ratio
Net Loans / Tot Assets
Net Loans / Dep & ST Funding
Net Loans / Tot Dep & Bor
Liquid Assets / Dep & ST Funding
Liquid Assets / Tot Dep & Bor
Date
1 28/06/2011
2 23/05/2011
3 20/04/2011
4 19/04/2011
5 07/04/2011
6 23/12/2010
7 22/11/2010
8 01/10/2010
9 14/04/2010
10 23/03/2010
11 17/03/2010
12 02/02/2010
13 21/01/2010
14 30/12/2009
15 16/11/2009
16 15/09/2009
17 17/08/2009
18 01/05/2009
19 09/04/2009
20 18/02/2009
21 24/10/2008
22 07/10/2008
23 04/09/2008
24 28/07/2008
25 23/07/2008
26 22/07/2008
27 15/04/2008
28 15/04/2008
29 02/04/2008
30 01/04/2008
31 12/03/2008
32 09/03/2008
33 19/02/2008
34 19/02/2008
35 22/01/2008
36 16/11/2007
37 26/09/2007
38 24/08/2007
39 31/07/2007
40 04/05/2007
41 04/05/2007
42 09/03/2007
43 01/03/2007
44 15/02/2007
45 11/12/2006
46 01/12/2006
47 31/10/2006
48 27/10/2006
49 26/10/2006
50 19/10/2006
Source : Zephyr
Boards & committees
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
Management & staff
1.
; Braunschweigische Staatsbank; Hannoversche Landeskreditanstalt and Niedersächsische Wohnungskreditanstalt.
Active
International Financial Reporting Standards (IFRS)
mil EUR
Ernst & Young AG
Cons., Uncons. & Add. Cons.
227,630 mil EUR

536 mil EUR
5
125
Specialized Governmental Credit Institution

nager for more information.

Rating
A
A
News
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NordLB lowers holding in CeWe Color (deal no. 1601264536)
Lower Saxony may up holding in NordLB (deal no. 1601261997)
DnB NOR has acquired the remaining stake in Bank DnB Nord (deal no.
DIRKS Group acquires ThyssenKrupp Fahrzeugtechnik (deal no. 160137
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Norddeutsche Landesbank Girozentrale reduces stake in euromicron (de
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NordLB to sell stake in Berenberg Bank to Berenberg family and persona
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Max Gain increases stake in Balda (deal no. 1601053962)
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NordLB transfers commercial real estate banking division to Deutsche H
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Apax completes offer for D+S Europe shares (deal no. 634206)
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Lower Saxony open to partners participating in NordLB via a capital incr
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Lower Saxony Savings Bank & Giro Association may consider selling sta
NORD/LB completes offer for Deutsche Hypothekenbank (deal no. 5928
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Hanse Yachts floats (deal no. 476794)
WAZ acquires remaining stake in Braunschweiger Zeitungsverlag (deal n
NordLB increases stake in CeWe Color Holding (deal no. 516251)
Symrise floats (deal no. 442178)
SKW Stahl-Metallurgie floats (deal no. 388014)
NordLB sells stake in Landesbank Berlin Holding to DekaBank (deal no.
Riverside acquires Teufel. (deal no. 488341)
Delticom AG has completed an IPO on market. (deal no. 412022)
Gagfah floats (deal no. 361041)
Name Original job title

Mr. Hartmut Möllring -
P100507338
Jens Bullerjahn -
P120233226
Mr. Thomas Mang -
P039456259
Mr. Frank Berg -
P039831408
Josef Bernhard Hentschel -
P123036721
Mr. Hermann Bröring -
P039815248
Edda Döpke -
P123036720
Ralf Dörries -
P123070561
Frank Hildebrandt -
P123036722
Dr. Gert Hoffmann -
P123036723
Mr. Martin Kind -
P000861122
Mr. Walter Kleine -
P028271703
Mr. Manfred Köhler -
P039843154
Mr. August Nöltker -
P039823729
Mr. Freddy Pedersen -
P039805389
Ilse Thonagel -
P123036725
Mrs. Mirja Viertelhaus-Koschig -
P039502850
Heinrich von Nathusius -
P123036724
Dr. Gunter Dunkel -
P014295490
Mr. Christoph Schulz -
P014295489
Mr. Eckhard Forst -
P039491270
Dr. Hinrich Holm -

P123036719
Dr. Johannes-Jörg Riegler -
P039491271

Ralf Dörries -
P123070561
BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
Consolidation Code
g Standards (IFRS) Nickname
Source
Release Date
Model
Ranking (Country), 2011

Ranking (Country), rolling
World rank, 2011

World rank, rolling
t Institution
Specialised Gov. Credit Institutions Europe (Excl. Eastern Europe)

114
Date Action/Direction
01/10/2012
01/10/2012
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
114,619.0
116,404.0
1,785.0
109,841.0
32,928.0
14,939.0
61,880.0
94.0
224,460.0
688.0
2,482.0
227,630.0
123,788.0
63,322.0
56,584.0
3,882.0
92,818.0
16,118.0
179.0
76,521.0
1,067.0
n.a.
3,414.0
6,543.0
227,630.0
6,227.0
1,785.0
40,718.0
153.0
16,454.0
2,547.0
3,565.0
Unqualified
Original
31/12/2011
12 months
mil EUR
1,699.0
797.0
417.0
-218.0
166.0
432.0
1,348.0
205.0
-213.0
730.0
194.0
536.0
2,496.0
n.a.
12.65
10.42
10,727.0
8,838.0
447.0
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
4,956.0
7,974.0
n.a.
12,930.0
2,926.0
8,305.0
11,231.0
1,699.0
417.0
106.0
-218.0
34.0
166.0
292.0
797.0
560.0
788.0
1,348.0
0.0
1,148.0
205.0
147.0
796.0
n.a.
64.0
n.a.
-130.0
n.a.
730.0
194.0
n.a.
536.0
-946.0
n.a.
13.0
313.0
-84.0
19.0
517.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
116,404.0
1,785.0
114,619.0
116,404.0
6,227.0
n.a.
32,928.0
n.a.
6,994.0
14,939.0
49,670.0
4,829.0
387.0
n.a.
76,819.0
19,113.0
n.a.
93.0
n.a.
1.0
224,460.0
796.0
n.a.
n.a.
688.0
0.0
153.0
60.0
721.0
n.a.
752.0
227,630.0
27,307.0
1,471.0
34,544.0
63,322.0
56,584.0
n.a.
3,882.0
123,788.0
65,354.0
3,565.0
5,055.0
73,974.0
16,118.0
179.0
214,059.0
146.0
n.a.
3,414.0
161.0
4.0
n.a.
n.a.
n.a.
756.0
218,540.0
2,547.0
139.0
7,010.0
-57.0
-546.0
-3.0
n.a.
6,404.0
227,630.0
6,391.0
6,627.0
4.39
4.61
5.84
5.31
0.77
0.67
0.77
31.93
54.01
0.60
22.42
0.51
30.66
15.55
0.35
26.58
1.35
0.94
10.47
0.24
-1.64
-0.04
n.a.
0.63
-0.10
7.54
7.81
2.73
10.42
12.65
n.a.
2.81
n.a.
n.a.
n.a.
8.37
-0.42
2.46
5.35
1.53
28.67
69.36
0.18
0.40
5.35
183.83
58.19
31.99
n.a.
n.a.
6,998.0
n.a.
9,456.0
n.a.
244,084.0
84,800.0
n.a.
84,800.0
112,979.4
221,456.8
224,991.2
n.a.
211,402.8
5,472.2
5,119.4
63,424.6
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,565.0
n.a.
536.0
n.a.
536.0
6,404.0
139.0
n.a.
6,543.0
6,404.0
146.0
-57.0
0.0
153.0
32.0
31.0
0.0
6,391.0
236.0
0.0
6,627.0
2,739.0
n.a.
n.a.
n.a.
n.a.
4,956.0
n.a.
n.a.
n.a.
n.a.
n.a.
2,926.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
49,670.0
n.a.
n.a.
n.a.
n.a.
n.a.
4,829.0
n.a.
n.a.
n.a.
n.a.
n.a.
472.0
25.0
447.0
580.0
1,205.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,494.0
3,175.0
2,480.0
n.a.
n.a.
n.a.
-57.0
6,461.0
6,404.0
-546.0
-3.0
n.a.
n.a.
-549.0
n.a.
n.a.
n.a.
n.a.
-549.0
n.a.
-549.0
139.0
6,543.0
-57.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
32.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
236.0
236.0
236.0
8,838.0
10,727.0
10.42
12.65
84,800.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
76,819.0
n.a.
76,819.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,952
n.a.
10.42
n.a.
12.65
n.a.
n.a.
n.a.
n.a.
n.a.
413.0
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2011
1.53
12.07
28.67
5.35
0.39
60.32
95.17
67.89
10.42
12.65
2.87
5.71
5.29
3.04
5.56
11.04
10.22
5.89
28.17
0.76
0.75
0.35
0.68
0.41
-0.18
0.24
8.62
n.a.
n.a.
-39.74
54.01
0.50
58.19
50.35
92.59
54.45
32.89
19.34
no. 1601281589)
eal no. 1601408424)
deal no. 1601408491)
1601264536)
no. 1601261997)
Bank DnB Nord (deal no. 1601146881)
gtechnik (deal no. 1601370000)
r of Berlin-Hannoversche Hypothekenbank (deal no. 1601220425)
s stake in euromicron (deal no. 1601177985)
(deal no. 1601146884)
o. 1601169061)
enberg family and personally liable partners (deal no. 1601156585)
romicron (deal no. 1601153745)
ided to extit from Bank DnB NORD (deal no. 1601147313)
rm (deal no. 1601134874)
eutschland (deal no. 1601114399)
1601104582)
. 1601078197)
o. 1601068649)
01053962)
o. 1601026218)
ng division to Deutsche Hypothekenbank (deal no. 1601021614)
(deal no. 654481)
deal no. 634206)
ntrol (deal no. 1601004163)
Gruppe (deal no. 1601004163)
es (deal no. 634199)
es (deal no. 634182)
. 1601070086)
. 633858)
n NordLB via a capital increase (deal no. 625721)
24385)
NordLB (deal no. 619804)
n may consider selling stake in NordLB (deal no. 619810)
ekenbank (deal no. 592859)
energetics (deal no. 595045)
93)
nagement & Verwaltung (deal no. 1601050294)
uired by its management, backed by Argantis GmbH (deal no. 568855)
ordLB (deal no. 535540)
B NOR (deal no. 535663)
ger Zeitungsverlag (deal no. 319427)

(deal no. 516251)
)
g to DekaBank (deal no. 328383)
(deal no. 412022)
riginal job title

Chairman of the Supervisory Board
Second Deputy Chairman, Supervisory Board
First Deputy Chairman, Supervisory Board
Member, Supervisory Board

Member, Supervisory board
Chairman of the Board of Management
Deputy Chairman, Managing Board
Member, Managing Board; Member of the Board of Management
Member, Managing Board (since 01/02/2010)
Member of the Board of Management
riginal job title

Senior Vice President
DE13584
13584
Active
+49 (511) 361-0

+49 (511) 361-25 02
www.nordlb.de
C2
NORDIFRS
Annual Report
9/26/2012
ALLBANKS
cl. Eastern Europe)

ction/Direction Outlook
Stable
IFRS IFR
Unqualified Unqualifie
Original Restate
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
111,587.0 110,291.
113,605.0 112,083.
2,018.0 1,792.
113,940.0 123,637.
36,734.0 42,356.
9,989.0 9,412.
67,120.0 71,775.
97.0 94.
225,527.0 233,928.
702.0 395.
2,357.0 4,268.
228,586.0 238,591.
128,252.0 128,772.
60,742.0 61,303.
60,962.0 62,152.
6,548.0 5,317.
90,313.0 98,481.
10,378.0 9,633.
235.0 232.
79,700.0 88,616.
774.0 2,313.
n.a. n.a
3,357.0 3,238.
5,890.0 5,787.
228,586.0 238,591.
6,274.0 3,739.
2,018.0 1,792.
45,855.0 52,176.
161.0 135.
20,004.0 23,681.
2,951.0 2,982.
3,647.0 2,973.
Original Restate
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
1,650.0 1,366.
514.0 895.
272.0 796.
-166.0 -108.
210.0 177.
198.0 30.
1,213.0 1,119.
657.0 1,042.
-58.0 -192.
236.0 -92.
0.0 49.
236.0 -141.
2,292.0 2,461.
n.a. n.a
11.10 9.7
9.10 8.7
9,605.0 8,976.
7,945.0 8,051.
374.0 365.
IFRS IFR
Original Restate
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
5,184.0 5,809.
7,324.0 10,213.
n.a. n.a
12,508.0 16,022.
2,904.0 3,507.
7,954.0 11,149.
10,858.0 14,656.
1,650.0 1,366.
272.0 796.
135.0 -47.
-166.0 -108.
37.0 76.
210.0 177.
154.0 201.
642.0 1,095.
540.0 480.
673.0 639.
1,213.0 1,119.
-128.0 -200.
951.0 1,142.
657.0 1,042.
53.0 93.
241.0 7.
n.a. n.a
n.a. n.a
n.a. n.a
-5.0 -99.
n.a. n.a
236.0 -92.
0.0 49.
n.a. n.a
236.0 -141.
67.0 305.
n.a. n.a
12.0 0.
-25.0 n.a
290.0 164.
18.0 11.
218.0 -152.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
113,605.0 112,083.
2,018.0 1,792.
111,587.0 110,291.
113,605.0 112,083.
6,274.0 3,739.
n.a. n.a
36,734.0 42,356.
n.a. n.a
8,052.0 7,976.
9,989.0 9,412.
53,756.0 58,171.
4,910.0 4,905.
402.0 723.
n.a. n.a
77,109.0 81,187.
n.a. n.a
n.a. n.a
96.0 93.
n.a. n.a
1.0 1.
225,527.0 233,928.
1,069.0 1,844.
n.a. n.a
n.a. n.a
702.0 395.
11.0 11.
150.0 124.
70.0 137.
480.0 355.
n.a. n.a
577.0 1,797.
228,586.0 238,591.
24,552.0 23,535.
1,464.0 1,480.
34,726.0 36,288.
60,742.0 61,303.
60,962.0 62,152.
n.a. n.a
6,548.0 5,317.
128,252.0 128,772.
68,132.0 77,649.
3,647.0 2,973.
4,970.0 5,012.
76,749.0 85,634.
10,378.0 9,633.
235.0 232.
215,614.0 224,271.
19.0 6.
n.a. n.a
3,357.0 3,238.
182.0 177.
5.0 16.
n.a. n.a
n.a. n.a
n.a. n.a
568.0 2,114.
219,745.0 229,822.
2,951.0 2,982.
818.0 818.
5,037.0 4,885.
6.0 104.
66.0 29.
-37.0 -49.
n.a. n.a
5,072.0 4,969.
228,586.0 238,591.
4,823.0 4,566.
5,641.0 5,384.
4.56 5.1
4.61 5.5
5.33 6.7
4.85 6.4
0.70 0.5
0.42 0.1
0.70 0.5
28.01 44.4
52.92 45.4
0.51 0.4
18.59 22.6
0.40 0.4
74.66 99.3
4.71 0.1
0.10 0.0
0.00 -53.2
1.09 1.2
0.28 0.0
4.61 -2.8
0.10 -0.0
5.67 3.2
0.12 0.0
n.a. n.a
0.27 -0.1
0.33 0.1
5.55 4.9
6.50 5.8
2.12 1.9
9.10 8.7
11.10 9.7
n.a. n.a
2.22 2.0
n.a. n.a
n.a. n.a
n.a. n.a
4.65 -2.8
-4.19 -2.3
1.36 -0.0
5.52 3.3
1.78 1.6
32.16 47.9
83.91 39.1
0.58 0.9
0.33 0.3
5.52 3.3
187.03 182.8
60.26 68.1
29.60 28.5
n.a. n.a
n.a. n.a
7,026.0 7,349.
n.a. n.a
12,978.0 16,332.
n.a. n.a
248,590.0 262,272.
86,850.0 92,575.
n.a. n.a
86,850.0 92,575.
113,709.4 112,222.
234,591.8 238,029.
238,313.8 242,969.
n.a. n.a
224,090.0 228,424.
4,875.0 5,175.
5,116.0 5,042.
63,051.4 63,373.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,647.0 2,973.
n.a. n.a
236.0 -141.
n.a. n.a
236.0 -141.
5,072.0 4,969.
818.0 818.
n.a. n.a
5,890.0 5,787.
5,072.0 4,969.
19.0 6.
6.0 104.
11.0 11.
150.0 124.
70.0 139.
31.0 31.
0.0 0.
4,823.0 4,566.
818.0 818.
0.0 0.
5,641.0 5,384.
2,067.0 1,956.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
5,184.0 5,809.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,904.0 3,507.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
53,756.0 58,171.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
4,910.0 4,905.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
395.0 376.
21.0 11.
374.0 365.
671.0 472.
1,347.0 1,320.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,085.0 1,085.
2,597.0 2,597.
2,173.0 2,217.
n.a. -141.
n.a. n.a
n.a. n.a
6.0 104.
5,066.0 4,865.
5,072.0 4,969.
66.0 29.
-37.0 -49.
n.a. n.a
n.a. n.a
29.0 -20.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
29.0 -20.
n.a. n.a
29.0 -20.
818.0 818.
5,890.0 5,787.
6.0 104.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
70.0 139.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
818.0 818.
818.0 818.
818.0 818.
7,945.0 8,051.
9,605.0 8,976.
9.10 8.7
11.10 9.7
86,850.0 92,575.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
77,109.0 81,187.
n.a. n.a
77,109.0 81,187.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
6,956 6,46
n.a. n.a
9.10 8.7
n.a. n.a
11.10 9.7
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
628.0 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
31/12/2010 31/12/200
1.78 1.6
39.82 76.2
32.16 47.9
5.52 3.3
0.33 0.3
41.88 40.5
106.52 64.6
72.26 33.6
9.10 8.7
11.10 9.7
2.58 2.4
5.28 5.2
4.59 4.4
2.73 2.5
5.46 4.9
11.19 10.6
9.74 9.1
5.78 5.1
29.20 25.3
0.72 0.5
0.71 0.5
0.22 0.3
0.80 0.9
0.13 0.0
-0.03 -0.1
0.10 -0.0
4.04 -2.4
n.a. n.a
n.a. n.a
-24.58 136.1
56.05 49.4
0.41 0.4
60.26 68.1
48.82 46.2
87.01 85.6
52.64 49.8
35.75 40.5
21.63 23.5
Body
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
ExeB
ExeB
ExeB
ExeB
ExeB
Dept
SenMan
utlook Watch
able
IFRS IFRS
Unqualified Unqualified
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
110,291.0 110,968.0
112,083.0 112,172.0
1,792.0 1,204.0
123,637.0 129,295.0
42,356.0 47,238.0
9,412.0 11,400.0
71,775.0 70,556.0
94.0 101.0
233,928.0 240,263.0
395.0 377.0
4,268.0 3,689.0
238,591.0 244,329.0
128,772.0 138,566.0
61,303.0 61,998.0
62,152.0 69,862.0
5,317.0 6,706.0
98,481.0 95,924.0
9,633.0 12,103.0
232.0 168.0
88,616.0 83,653.0
2,313.0 1,086.0
n.a. 79.0
3,238.0 2,979.0
5,787.0 5,695.0
238,591.0 244,329.0
3,739.0 2,243.0
1,792.0 1,283.0
52,176.0 55,760.0
135.0 123.0
23,681.0 31,220.0
2,982.0 3,005.0
2,973.0 2,624.0
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
1,366.0 1,462.0
895.0 -420.0
796.0 -476.0
-108.0 24.0
177.0 180.0
30.0 -148.0
1,119.0 898.0
1,042.0 266.0
-192.0 144.0
-92.0 22.0
49.0 -129.0
-141.0 151.0
2,461.0 1,036.0
n.a. n.a.
9.70 10.02
8.70 8.10
8,976.0 8,999.0
8,051.0 7,235.0
365.0 234.0
IFRS IFRS
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
5,809.0 7,779.0
10,213.0 17,180.0
n.a. n.a.
16,022.0 24,959.0
3,507.0 5,470.0
11,149.0 18,027.0
14,656.0 23,497.0
1,366.0 1,462.0
796.0 -476.0
-47.0 -250.0
-108.0 24.0
76.0 n.a.
177.0 180.0
201.0 96.0
1,095.0 -426.0
480.0 460.0
639.0 438.0
1,119.0 898.0
-200.0 6.0
1,142.0 144.0
1,042.0 266.0
93.0 n.a.
7.0 -122.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
-99.0 144.0
n.a. n.a.
-92.0 22.0
49.0 -129.0
n.a. n.a.
-141.0 151.0
305.0 -607.0
n.a. n.a.
0.0 12.0
n.a. n.a.
164.0 -444.0
11.0 1.0
-152.0 150.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
112,083.0 112,172.0
1,792.0 1,204.0
110,291.0 110,968.0
112,083.0 112,172.0
3,739.0 2,243.0
n.a. n.a.
42,356.0 47,238.0
n.a. n.a.
7,976.0 7,412.0
9,412.0 11,400.0
58,171.0 57,783.0
4,905.0 4,516.0
723.0 845.0
n.a. n.a.
81,187.0 81,956.0
n.a. n.a.
n.a. n.a.
93.0 96.0
n.a. n.a.
1.0 5.0
233,928.0 240,263.0
1,844.0 1,110.0
n.a. n.a.
n.a. n.a.
395.0 377.0
11.0 11.0
124.0 112.0
137.0 169.0
355.0 421.0
n.a. n.a.
1,797.0 1,866.0
238,591.0 244,329.0
23,535.0 24,997.0
1,480.0 1,712.0
36,288.0 35,289.0
61,303.0 61,998.0
62,152.0 69,862.0
n.a. n.a.
5,317.0 6,706.0
128,772.0 138,566.0
77,649.0 73,680.0
2,973.0 2,624.0
5,012.0 4,344.0
85,634.0 80,648.0
9,633.0 12,103.0
232.0 168.0
224,271.0 231,485.0
6.0 -144.0
n.a. 79.0
3,238.0 2,979.0
177.0 194.0
16.0 30.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,114.0 1,006.0
229,822.0 235,629.0
2,982.0 3,005.0
818.0 700.0
4,885.0 5,254.0
104.0 66.0
29.0 -276.0
-49.0 -49.0
n.a. n.a.
4,969.0 4,995.0
238,591.0 244,329.0
4,566.0 4,454.0
5,384.0 6,120.5
5.18 7.58
5.53 11.45
6.73 11.07
6.42 10.94
0.57 0.65
0.14 0.53
0.57 0.65
44.49 -41.12
45.47 86.68
0.46 0.39
22.65 2.72
0.47 0.06
99.39 184.72
0.14 -2.31
0.00 -0.05
-53.26 -586.36
1.23 0.16
0.01 -0.14
-2.80 2.86
-0.06 0.07
3.25 -8.40
0.07 -0.19
n.a. n.a.
-0.15 0.17
0.18 -0.49
4.93 4.96
5.82 6.81
1.97 1.92
8.70 8.10
9.70 10.02
n.a. n.a.
2.08 2.04
n.a. n.a.
n.a. n.a.
n.a. n.a.
-2.84 3.02
-2.35 21.20
-0.08 26.83
3.34 2.00
1.60 1.07
47.93 53.68
39.18 20.80
0.93 0.26
0.33 0.23
3.34 2.00
182.83 180.93
68.15 67.62
28.56 28.26
n.a. n.a.
n.a. n.a.
7,349.0 8,502.0
n.a. n.a.
16,332.0 22,718.0
n.a. n.a.
262,272.0 275,549.0
92,575.0 89,825.0
n.a. n.a.
92,575.0 89,825.0
112,222.8 102,611.0
238,029.5 225,415.7
242,969.5 228,278.7
n.a. n.a.
228,424.3 214,845.3
5,175.8 5,246.0
5,042.0 5,288.3
63,373.5 47,764.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,973.0 2,624.0
n.a. n.a.
-141.0 151.0
n.a. n.a.
-141.0 151.0
4,969.0 4,995.0
818.0 700.0
n.a. n.a.
5,787.0 5,695.0
4,969.0 4,995.0
6.0 -144.0
104.0 66.0
11.0 11.0
124.0 112.0
139.0 177.0
31.0 31.0
0.0 0.0
4,566.0 4,454.0
818.0 1,666.5
0.0 0.0
5,384.0 6,120.5
1,956.9 1,908.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,809.0 7,779.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,507.0 5,470.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
58,171.0 57,783.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
4,905.0 4,516.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
376.0 251.0
11.0 17.0
365.0 234.0
472.0 218.0
1,320.0 986.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,085.0 1,085.0
2,597.0 n.a.
2,217.0 2,239.0
-141.0 151.0
n.a. n.a.
n.a. n.a.
104.0 66.0
4,865.0 4,929.0
4,969.0 4,995.0
29.0 -276.0
-49.0 -49.0
n.a. n.a.
n.a. n.a.
-20.0 -325.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 2,479.0
-20.0 2,154.0
n.a. n.a.
-20.0 2,154.0
818.0 700.0
5,787.0 5,695.0
104.0 66.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
139.0 177.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 300.0
n.a. n.a.
n.a. 50.0
818.0 1,554.0
818.0 1,666.5
818.0 1,666.5
8,051.0 7,235.0
8,976.0 8,999.0
8.70 8.10
9.70 10.02
92,575.0 89,825.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
81,187.0 81,956.0
n.a. n.a.
81,187.0 81,956.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
6,463 6,257
n.a. n.a.
8.70 8.10
n.a. n.a.
9.70 10.02
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2009 31/12/2008
1.60 1.14
76.28 18.19
47.93 57.20
3.34 2.00
0.33 0.23
40.51 56.12
64.61 39.39
33.64 16.86
8.70 8.10
9.70 10.02
2.43 2.33
5.25 5.13
4.49 4.11
2.55 2.44
4.92 4.64
10.65 10.21
9.12 8.17
5.18 4.86
25.32 23.17
0.58 0.67
0.57 0.66
0.37 -0.19
0.90 0.52
0.04 -0.06
-0.10 0.12
-0.06 0.07
-2.46 2.52
n.a. n.a.
n.a. n.a.
136.17 95.36
49.49 86.18
0.47 0.07
68.15 67.62
46.23 45.42
85.65 80.08
49.84 48.49
40.52 40.24
23.58 24.36
Source
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
Source
VI
IFRS IFR
Unqualified Audite
Original Origina
31/12/2007 31/12/200
12 months 12 month
mil EUR mil EU
87,353.0 79,828.
88,442.0 81,326.
1,089.0 1,498.
111,920.0 113,653.
46,229.0 52,348.
5,587.0 5,181.
60,007.0 55,996.
97.0 128.
199,273.0 193,481.
397.0 432.
1,914.0 958.
201,584.0 194,871.
122,032.0 87,888.
47,562.0 35,075.
66,057.0 52,813.
8,413.0 n.a
68,257.0 91,483.
5,795.0 4,517.
397.0 644.
62,065.0 86,322.
1,813.0 6,731.
n.a. n.a
3,181.0 3,304.
6,301.0 5,465.
201,584.0 194,871.
1,914.0 2,901.
1,089.0 1,498.
56,295.0 60,751.
94.0 88.
30,898.0 26,530.
2,837.0 3,047.
2,438.0 2,608.
Unqualified Audite
Original Origina
31/12/2007 31/12/200
12 months 12 month
mil EUR mil EU
1,478.0 1,040.
-87.0 1,801.
-312.0 172.
-150.0 101.
162.0 165.
213.0 1,363.
855.0 1,605.
38.0 17.
5.0 n.a
503.0 1,219.
198.0 247.
305.0 972.
1,302.0 2,779.
163.0 n.a
9.45 10.7
6.96 7.6
9,280.0 8,986.
6,831.0 6,398.
-11.0 n.a
IFRS IFR
Unqualified Audite
Original Origina
31/12/2007 31/12/200
12 months 12 month
mil EUR mil EU
6,959.0 5,927.
3,966.0 2,107.
n.a. n.a
10,925.0 8,034.
5,003.0 4,103.
4,444.0 2,891.
9,447.0 6,994.
1,478.0 1,040.
-312.0 172.
12.0 413.
-150.0 101.
n.a. n.a
162.0 165.
112.0 888.
-176.0 1,739.
430.0 456.
425.0 1,149.
855.0 1,605.
89.0 62.
536.0 1,236.
38.0 17.
n.a. n.a
498.0 1,219.
n.a. n.a
n.a. n.a
n.a. n.a
5.0 n.a
n.a. n.a
503.0 1,219.
198.0 247.
n.a. n.a
305.0 972.
-81.0 412.
n.a. n.a
-30.0 -31.
n.a. n.a
194.0 1,353.
9.0 33.
296.0 939.
163.0 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. 81,326.
n.a. n.a
88,442.0 0.
1,089.0 1,498.
87,353.0 79,828.
88,442.0 81,326.
1,914.0 2,901.
n.a. n.a
46,229.0 52,348.
n.a. n.a
8,959.0 8,219.
5,587.0 5,181.
46,666.0 44,976.
3,602.0 2,087.
780.0 714.
n.a. n.a
65,594.0 61,177.
45,828.0 44,073.
n.a. n.a
97.0 128.
n.a. n.a
0.0 0.
199,273.0 193,481.
1,107.0 184.
n.a. n.a
n.a. n.a
397.0 432.
0.0 0.
94.0 88.
67.0 65.
188.0 113.
n.a. n.a
458.0 508.
201,584.0 194,871.
21,933.0 17,439.
1,573.0 1,676.
24,056.0 15,960.
47,562.0 35,075.
66,057.0 52,813.
n.a. n.a
8,413.0 n.a
122,032.0 87,888.
55,961.0 80,667.
2,438.0 2,608.
829.0 n.a
59,228.0 83,275.
5,795.0 4,517.
397.0 644.
187,452.0 176,324.
-5.0 6,007.
n.a. n.a
3,181.0 3,304.
280.0 317.
8.0 22.
n.a. n.a
n.a. n.a
n.a. n.a
1,530.0 385.
192,446.0 186,359.
2,837.0 3,047.
700.0 n.a
5,234.0 4,982.
97.0 102.
331.0 412.
n.a. n.a
-61.0 -31.
5,601.0 5,465.
201,584.0 194,871.
n.a. n.a
n.a. n.a
8.20 n.a
12.11 n.a
5.56 n.a
5.19 n.a
0.75 n.a
0.73 n.a
0.75 n.a
-13.52 62.5
65.67 57.7
0.43 n.a
9.69 n.a
0.27 n.a
7.09 1.3
9.00 n.a
0.25 n.a
39.36 20.2
0.55 1.4
0.51 1.4
5.51 n.a
0.15 n.a
3.51 n.a
0.10 n.a
n.a. n.a
0.31 1.1
0.20 1.6
n.a. n.a
n.a. n.a
2.73 2.7
6.96 7.6
9.45 10.7
n.a. n.a
2.78 2.8
53.44 n.a
84.02 n.a
n.a. n.a
2.54 17.7
3.44 n.a
8.75 n.a
2.16 3.5
1.23 1.8
56.90 51.6
14.73 25.6
0.04 n.a
-0.01 n.a
2.16 3.5
185.95 231.8
69.98 99.1
26.18 20.4
n.a. n.a
n.a. n.a
10,759.0 9,890.
n.a. n.a
20,139.0 16,622.
n.a. 18.
232,482.0 221,401.
98,156.0 83,560.
n.a. n.a
98,156.0 83,560.
84,884.0 n.a
196,377.0 n.a
198,227.5 n.a
n.a. n.a
181,888.0 n.a
5,108.0 n.a
5,533.0 n.a
41,318.5 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
18,143.0 24,044.
2,894.0 2,940.
12,195.0 8,091.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,438.0 2,608.
n.a. n.a
305.0 972.
n.a. n.a
305.0 n.a
5,601.0 5,465.
700.0 n.a
n.a. n.a
n.a. n.a
5,601.0 5,465.
-5.0 6,007.
97.0 n.a
0.0 0.
94.0 88.
180.0 91.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. 1,068.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
6,959.0 5,927.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
5,003.0 4,103.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
5,073.0 3,630.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
189.0 210.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,274.0 1,923.
6,536.0 5,763.
1,066.0 753.
44,782.0 43,317.
n.a. n.a
n.a. n.a
n.a. n.a
797.0 872.
21.0 34.
46,666.0 44,976.
3,602.0 2,087.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,602.0 2,087.
44,782.0 43,317.
n.a. n.a
n.a. n.a
n.a. n.a
2,281.0 3,039.
5.0 n.a
16.0 n.a
-11.0 n.a
207.0 227.
913.0 1,271.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,564.0 2,864.
n.a. n.a
2,370.0 2,118.
n.a. n.a
n.a. n.a
n.a. n.a
97.0 102.
5,504.0 5,363.
5,601.0 4,982.
331.0 412.
-61.0 n.a
n.a. n.a
n.a. n.a
270.0 412.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
270.0 412.
n.a. n.a
270.0 412.
700.0 n.a
6,301.0 5,465.
97.0 n.a
n.a. n.a
n.a. n.a
n.a. n.a
163.0 n.a
163.0 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. 1,068.
n.a. 1,068.
n.a. 1,068.
6,831.0 6,398.
9,280.0 8,986.
6.96 7.6
9.45 10.7
98,156.0 83,560.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
65,594.0 61,177.
n.a. n.a
65,594.0 61,177.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
5,563 5,56
n.a. n.a
6.96 7.6
n.a. n.a
9.45 10.7
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,015.0 121.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
Unqualified Audite
31/12/2007 31/12/200
1.23 1.8
2.57 1.6
56.90 51.6
2.16 3.5
-0.01 n.a
-3.21 n.a
30.38 53.0
13.09 25.6
6.96 7.6
9.45 10.7
3.13 2.8
7.21 6.8
5.16 6.2
3.32 2.9
5.74 5.7
13.25 13.9
9.49 12.6
6.09 6.0
21.06 23.4
0.75 0.5
0.75 0.5
-0.04 0.9
0.45 0.8
0.25 n.a
-0.10 -0.1
0.15 0.5
5.18 17.7
53.44 n.a
2.41 n.a
1.64 n.a
61.47 56.4
0.27 0.6
69.98 99.1
43.33 40.9
71.58 90.8
47.21 45.9
46.13 69.1
30.43 34.9
IFRS
Audited
Original
31/12/2006
12 months
mil EUR
79,828.0
81,326.0
1,498.0
113,653.0
52,348.0
5,181.0
55,996.0
128.0
193,481.0
432.0
958.0
194,871.0
87,888.0
35,075.0
52,813.0
n.a.
91,483.0
4,517.0
644.0
86,322.0
6,731.0
n.a.
3,304.0
5,465.0
194,871.0
2,901.0
1,498.0
60,751.0
88.0
26,530.0
3,047.0
2,608.0
Audited
Original
31/12/2006
12 months
mil EUR
1,040.0
1,801.0
172.0
101.0
165.0
1,363.0
1,605.0
17.0
n.a.
1,219.0
247.0
972.0
2,779.0
n.a.
10.75
7.66
8,986.0
6,398.0
n.a.
IFRS
Audited
Original
31/12/2006
12 months
mil EUR
5,927.0
2,107.0
n.a.
8,034.0
4,103.0
2,891.0
6,994.0
1,040.0
172.0
413.0
101.0
n.a.
165.0
888.0
1,739.0
456.0
1,149.0
1,605.0
62.0
1,236.0
17.0
n.a.
1,219.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,219.0
247.0
n.a.
972.0
412.0
n.a.
-31.0
n.a.
1,353.0
33.0
939.0
n.a.
n.a.
n.a.
n.a.
81,326.0
n.a.
0.0
1,498.0
79,828.0
81,326.0
2,901.0
n.a.
52,348.0
n.a.
8,219.0
5,181.0
44,976.0
2,087.0
714.0
n.a.
61,177.0
44,073.0
n.a.
128.0
n.a.
0.0
193,481.0
184.0
n.a.
n.a.
432.0
0.0
88.0
65.0
113.0
n.a.
508.0
194,871.0
17,439.0
1,676.0
15,960.0
35,075.0
52,813.0
n.a.
n.a.
87,888.0
80,667.0
2,608.0
n.a.
83,275.0
4,517.0
644.0
176,324.0
6,007.0
n.a.
3,304.0
317.0
22.0
n.a.
n.a.
n.a.
385.0
186,359.0
3,047.0
n.a.
4,982.0
102.0
412.0
n.a.
-31.0
5,465.0
194,871.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
62.58
57.75
n.a.
n.a.
n.a.
1.38
n.a.
n.a.
20.26
1.48
1.46
n.a.
n.a.
n.a.
n.a.
n.a.
1.16
1.62
n.a.
n.a.
2.76
7.66
10.75
n.a.
2.80
n.a.
n.a.
n.a.
17.79
n.a.
n.a.
3.57
1.84
51.64
25.67
n.a.
n.a.
3.57
231.86
99.12
20.42
n.a.
n.a.
9,890.0
n.a.
16,622.0
18.0
221,401.0
83,560.0
n.a.
83,560.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
24,044.0
2,940.0
8,091.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,608.0
n.a.
972.0
n.a.
n.a.
5,465.0
n.a.
n.a.
n.a.
5,465.0
6,007.0
n.a.
0.0
88.0
91.0
n.a.
n.a.
n.a.
1,068.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
5,927.0
n.a.
n.a.
n.a.
n.a.
n.a.
4,103.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,630.0
n.a.
n.a.
n.a.
n.a.
210.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,923.0
5,763.0
753.0
43,317.0
n.a.
n.a.
n.a.
872.0
34.0
44,976.0
2,087.0
n.a.
n.a.
n.a.
n.a.
2,087.0
43,317.0
n.a.
n.a.
n.a.
3,039.0
n.a.
n.a.
n.a.
227.0
1,271.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,864.0
n.a.
2,118.0
n.a.
n.a.
n.a.
102.0
5,363.0
4,982.0
412.0
n.a.
n.a.
n.a.
412.0
n.a.
n.a.
n.a.
n.a.
412.0
n.a.
412.0
n.a.
5,465.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,068.0
1,068.0
1,068.0
6,398.0
8,986.0
7.66
10.75
83,560.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
61,177.0
n.a.
61,177.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
5,560
n.a.
7.66
n.a.
10.75
n.a.
n.a.
n.a.
n.a.
n.a.
121.0
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2006
1.84
1.64
51.64
3.57
n.a.
n.a.
53.08
25.67
7.66
10.75
2.80
6.85
6.22
2.97
5.71
13.93
12.65
6.05
23.45
0.54
0.53
0.92
0.83
n.a.
-0.13
0.50
17.79
n.a.
n.a.
n.a.
56.49
0.63
99.12
40.97
90.83
45.95
69.12
34.97
Deutsche Pfandbriefbank AG
80539 MÜNCHEN
GERMANY
The GUO of this controlled subsidiary is GOVERNMENT OF GERMANY - BUNDESREPUBLIK DEUTSCHLAND
Contact details
FREISINGER STRASSE 5
80539 MÜNCHEN
GERMANY
Formerly known as
Bank History :
Established in 1869. In September 2001, Bayerische Handelsbank AG absorbed Süddeutsche Bodencreditbank AG and Nürnberger
Status
Name of the Auditor
Latest total assets

Latest net income
Specialisation
Peer Group
Peer Group Name

Size

EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income

Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities

Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
Date
1 17/08/2012
2 28/05/2012
3 29/06/2009
4 27/11/2008
5 30/09/2008
6 23/05/2008
7 27/08/2006
8 02/08/2006
9 12/05/2006
10 25/01/2006
11 23/01/2006
12 10/01/2005
13 24/10/2003
14 28/07/2003
15 26/03/2003
16 22/11/2002
17 22/11/2002
Source : Zephyr
Boards & committees
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Management & staff
1.
2.
3.
4.
5.
6.
SCHLAND
bank AG and Nürnberger Hypothekenbank and changed its name to HVB Real Estate Bank AG. On October 1, 2003, changed its name to Hypo
Active
mil EUR
KPMG Audit
Cons., Uncons. & Add. Uncons.
108,779 mil EUR

117 mil EUR
1
22
Real Estate & Mortgage Bank


Rating
A
A
News
Deutsche Wohnen acquires BauBeCon's companies (deal no. 160137342
Deutsche Wohnen acquiring BauBeCon companies (deal no. 160137342
Hypo Real Estate Bank and DEPFA Deutsche Pfandbriefbank merge (dea
Hypo Real Estate Bank International merged into Hypo Real Estate Bank
Hypo Real Estate Bank may be sold (deal no. 1601020107)
JC Flowers to acquire stake in Hypo Real Estate Bank (deal no. 1601068
DIC Asset acquires majority stake in FAY Property Management (deal no
Borletti/Deutsche Bank take majority control of France Printemps (deal
Infraplan acquires Bayerische Landessiedlung (deal no. 442881)
AM Completes AM Development Sale (deal no. 381957)
Second Shurgard SPRL has acquired 3S Self-Storage Systems (deal no.
Arlington Securities Ltd has acquired Rentiber Internacional (deal no. 30
Rabobank to buy FGH Bank (deal no. 180290)
HVB Real Estate Bank to be merged with Westfälische Hypothekenbank
HVB may sell mortgage financing unit (deal no. 157964)
HVB Real Estate offer closes (deal no. 126583)
HVB plans offer for remainder of HVB Real Estate (deal no. 139106)
Mr. Bernd H. Thiemann -
P038961035
Dr Günther Bräunig -
P039811140
Miss Dagmar Petra Kollmann -
P108482452
Mr. Georg Kordick -
P039454534
Mrs. Heike Theißing -
P129705678
Dr. Hedda von Wedel -
P015721286
Miss Manuela Better -
P039376981
Mr. Wolfgang Jürgen Groth -
P103302583
Dr. Bernhard Scholz -
P039815100
Mr. Alexander Freiherr von Uslar-Gleichen -
P028349709

Mr. Michael Krull -
P074483092
Mrs. Rappensberger -
P074483093
Mr. Reinhold Schachtel -
P074483095
Mr. Gerhard Reißmüller -
P074483094
Mr. Rudolf Seingruber -
P074483096 -
Mr. Josef Theiß -
P074483097
BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
Hypo Real Estate Bank AG
hanged its name to Hypo Real Estate Bank AG. In November 2003, absorbed Westfälische Hypothekenbank AG - Die WestHyp. In November200
Consolidation Code
Source
Release Date
Model

World rank, 2011

World rank, rolling
Real Estate & Mortgage Banks Europe (Excl. Eastern Europe)

202
01/10/2012
01/10/2012
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
54,759
55,236
477
51,931
7,632
15,532
28,677
90
106,690
3
2,086
108,779
29,619
12,363
8,223
9,033
64,238
15,730
2
48,506
11,667
n.a.
163
3,092
108,779
1,333
477
8,103
35
1,175
293
2,208
Unqualified
Original
31/12/2011
12 months
mil EUR
371
283
-27
-37
32
315
488
-12
10
188
71
117
654
n.a.
n.a.
16.20
n.a.
16
90
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
2,141
1,550
n.a.
3,691
1,014
2,306
3,320
371
-27
0
-37
n.a.
32
315
283
129
359
488
n.a.
166
-12
-3
181
n.a.
9
2
n.a.
n.a.
188
71
n.a.
117
-290
n.a.
1
-97
-269
n.a.
117
n.a.
n.a.
n.a.
32,984
n.a.
n.a.
22,252
477
54,759
55,236
1,333
n.a.
7,632
n.a.
148
15,532
3,915
24,613
1
n.a.
44,209
n.a.
n.a.
90
n.a.
0
106,690
323
n.a.
n.a.
3
0
35
55
1,419
n.a.
254
108,779
841
n.a.
11,522
12,363
8,223
n.a.
9,033
29,619
46,005
2,208
n.a.
48,213
15,730
2
93,564
n.a.
n.a.
163
82
1,291
n.a.
n.a.
n.a.
10,294
105,394
293
999
2,256
n.a.
-549
-34
420
2,093
108,779
1,917
2,916
3.81
6.87
2.67
2.69
0.27
0.28
0.27
43.27
74.62
0.35
7.34
0.12
-9.04
8.01
0.13
37.77
0.98
1.06
5.18
0.08
-11.90
-0.19
n.a.
0.69
-1.58
11.28
17.15
1.77
16.20
n.a.
n.a.
1.92
n.a.
n.a.
n.a.
5.59
-41.77
-5.90
2.41
0.86
35.78
40.90
-0.02
0.16
2.41
446.78
92.81
15.88
n.a.
n.a.
38
n.a.
1,137
0
109,954
17,000
n.a.
17,000
56,121
138,449
140,536
n.a.
123,569
2,205
2,260
14,767
3,608
5,286
20,326
26,016
1,657
1,500
10,987
14,533
5,183
150
1,032
1,267
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,442
786
2,750
245
5,782
5,770
26,506
29,343
67,401
n.a.
n.a.
99
416
947
1,039
2,208
n.a.
117
n.a.
117
2,093
999
n.a.
3,092
2,093
0
0
0
35
141
0
0
1,917
0
999
2,916
822
n.a.
n.a.
n.a.
n.a.
2,141
n.a.
n.a.
n.a.
n.a.
n.a.
1,014
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,915
n.a.
n.a.
n.a.
n.a.
n.a.
24,613
n.a.
n.a.
n.a.
n.a.
n.a.
101
11
90
64
413
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
5,416
n.a.
-3,277
117
n.a.
n.a.
n.a.
2,093
2,093
-549
-34
n.a.
n.a.
-583
420
n.a.
n.a.
n.a.
-163
n.a.
-163
999
3,092
n.a.
n.a.
n.a.
n.a.
0
n.a.
n.a.
141
n.a.
n.a.
287
n.a.
n.a.
n.a.
999
999
0
16
n.a.
16.20
n.a.
17,000
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
44,209
n.a.
44,209
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
993
n.a.
16.20
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2011
0.86
-3.24
35.78
2.41
0.16
85.71
43.11
27.68
16.20
n.a.
2.84
5.65
10.44
3.00
5.14
10.21
18.88
5.42
39.48
0.26
0.25
0.19
0.32
0.12
-0.04
0.08
3.63
n.a.
n.a.
8.55
74.62
0.11
92.81
50.34
184.88
59.94
27.36
8.87
nies (deal no. 1601373426)

nies (deal no. 1601373426)
andbriefbank merge (deal no. 1601088318)
nto Hypo Real Estate Bank (deal no. 1601033697)
1601020107)
e Bank (deal no. 1601068755)
erty Management (deal no. 515754)
f France Printemps (deal no. 351412)
(deal no. 442881)
381957)
torage Systems (deal no. 440167)
Internacional (deal no. 307490)
fälische Hypothekenbank (deal no. 181763)

. 157964)
)
ate (deal no. 139106)
riginal job title
Chairman, Statutory Supervisory Board; Member, Supervisory Board (AG)
Member, Supervisory Board (AG)
Member, Management Board (AG)
riginal job title

Executive Controlling/Accounting
Executive Human Resources
Executive Sales/Distribution
Executive Marketing/Advertising
Executive Procurement
Executive Fleet Management
Executive Information Systems
DE13105
13105
Active
+49 (89) 288 00

+49 (89) 2880 102 65
www.hyporealestate.de
WestHyp. In November2008, absorbed Hypo Real Estate Bank International AG. In June 2009, Hypo Real Estate Bank AG absorbed DePfa Deuts
C2
PBBIFRS
Annual Report
8/24/2012
ALLBANKS
12
12
169
174
astern Europe)
Stable
IFRS IFR
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
58,141 87,89
58,702 91,22
561 3,32
126,534 121,99
72,068 78,15
20,775 12,82
33,605 30,91
86 10
184,675 209,89
5 1
2,143 5,31
186,823 215,21
91,551 127,36
17,384 12,37
62,587 67,62
11,580 47,36
75,642 80,68
20,608 14,95
2
55,032 65,72
16,093 4,28
n.a. n.a
176 15
3,361 2,73
186,823 215,21
1,237 9,45
561 3,32
72,609 79,69
32 2
923 3,38
286 26
2,480 3,62
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
600 78
195 -9
69 -5
-37
-10 -6
173 1
478 35
443 1,89
-9 -1
-135 -1,57
50 -
-185 -1,57
795 68
n.a.
n.a. n.a
16.70 6.0
n.a. n.a
17
702 36
IFRS IFR
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
3,410 3,73
1,539 1,52
n.a. n.a
4,949 5,25
1,261 1,03
3,088 3,43
4,349 4,47
600 78
69 -5
0 -1
-37
n.a. n.a
-10 -6
173 2
195 -9
94 11
384 24
478 35
n.a. n.a
317 33
443 1,89
17 3
-143 -1,58
n.a. n.a
16 2
8 1
n.a. n.a
n.a. n.a
-135 -1,57
50 -
n.a. n.a
-185 -1,57
69 -5
n.a. n.a
-1 n.a
745 n.a
628 -1,62
n.a. n.a
-185 -1,57
n.a.
n.a. n.a
n.a. n.a
35,941 54,30
n.a. n.a
n.a. n.a
22,761 36,91
561 3,32
58,141 87,89
58,702 91,22
1,237 9,45
n.a. n.a
12,128 78,15
59,940 n.a
317 92
20,775 12,82
2,291 2,80
30,995 27,17
2
n.a. n.a
114,320 43,73
n.a. n.a
n.a. n.a
86 10
n.a. n.a
0
184,675 209,89
224 61
n.a. n.a
n.a. n.a
5 1
0 n.a
32 2
64 13
1,481 4,23
n.a. n.a
342 30
186,823 215,21
3,464 5
n.a. n.a
13,920 12,32
17,384 12,37
62,587 67,62
n.a. n.a
11,580 47,36
91,551 127,36
52,266 61,82
2,480 3,62
n.a. n.a
54,746 65,45
20,608 14,95
2
166,907 207,78
n.a. n.a
n.a. n.a
176 15
83 8
1,443 3,64
n.a. n.a
n.a. n.a
n.a. n.a
14,567 54
183,176 212,21
286 26
999 99
2,142 2,59
n.a. n.a
-259 -32
-35 n.a
514 -53
2,362 1,73
186,823 215,21
2,173 1,53
3,308 2,74
4.26 4.3
8.58 8.1
2.40 2.5
2.19 2.2
0.29 0.3
0.08 -0.5
0.29 0.3
24.53 -14.2
60.13 51.5
0.23 0.1
16.68 34.6
0.15 0.1
145.11 576.8
-7.53 -165.0
-0.07 -0.7
-37.04 0.1
1.97 0.7
-0.89 -3.4
-9.74 -163.1
-0.09 -0.7
33.05 -168.6
0.30 -0.7
n.a. n.a
-1.15 -3.4
3.90 -3.5
13.50 3.3
20.54 6.0
1.16 0.7
16.70 6.0
n.a. n.a
n.a. n.a
1.26 0.8
n.a. 0.0
n.a. 0.0
n.a. n.a
-7.83 -90.5
-13.19 16.6
-35.65 30.4
2.11 10.3
0.96 3.6
45.35 35.2
28.62 353.1
0.55 2.2
0.88 0.4
2.11 10.3
337.68 736.9
19.38 115.5
11.88 6.4
n.a. n.a
n.a. n.a
102 68
n.a. n.a
790 2,64
31 4
187,746 218,59
16,100 45,60
n.a. n.a
16,100 45,60
80,074 85,39
206,142 204,35
210,511 209,64
n.a. n.a
198,631 203,60
2,222 2,02
1,900 96
14,697 12,71
62,605 6,53
5,654 10,76
24,132 35,81
26,251 38,10
3,758 74
3,275 2,68
11,509 9,54
15,063 17,93
8,910 68,02
686 3,14
1,126 2,50
1,406 4,48
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. 25
n.a. 1,57
n.a. 3,80
n.a. 6,73
59,514 58,50
1,199 7,03
1,465 1,15
409 93
7,325 8,22
10,488 39,14
30,956 31,66
32,461 30,16
81,230 109,19
n.a. n.a
n.a. n.a
215 3
113 21
1,193 1,35
1,245 2,29
2,480 3,62
n.a. n.a
-185 -1,57
n.a. n.a
-185 -1,57
2,362 1,73
999 99
n.a. n.a
3,361 2,73
2,362 1,73
0
0
0
32 2
157 16
0
0
2,173 1,53
136 20
999 99
3,308 2,74
931 65
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,410 3,73
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,261 1,03
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,291 2,80
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
30,995 27,17
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
705 36
3
702 36
100 55
461 2,77
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
5,416 38
n.a. 5,03
-3,124 -1,31
-185 -1,51
n.a. n.a
n.a. n.a
n.a. n.a
2,362 1,73
2,362 1,73
-259 -32
-35 n.a
n.a. n.a
n.a. n.a
-259 -32
514 -53
n.a. n.a
n.a. n.a
n.a. n.a
255 -85
n.a. n.a
255 -85
999 99
3,361 2,73
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
0
n.a.
n.a. n.a
157 16
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
271 n.a
n.a. 27
999 99
1,135 1,20
136 20
17
n.a. n.a
16.70 6.0
n.a. n.a
16,100 45,60
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
114,320 43,73
n.a. n.a
114,320 43,73
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
925 86
n.a. n.a
16.70 6.0
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
31/12/2010 31/12/200
0.96 3.6
73.83 240.7
45.35 35.2
2.11 10.3
0.94 0.4
272.09 112.8
36.81 345.7
20.11 224.0
16.70 6.0
n.a. n.a
1.80 1.2
5.78 3.1
3.67 2.1
1.86 1.3
3.28 3.0
10.54 7.5
6.69 5.2
3.39 3.1
40.48 54.7
0.30 0.4
0.30 0.3
0.10 -0.0
0.46 1.1
-0.06 -0.7
-0.03 -0.0
-0.09 -0.7
-6.07 -98.5
n.a. 0.0
n.a. -98.5
4.87 0.9
60.13 51.5
0.16 0.1
115.15 115.5
31.12 40.8
63.51 69.0
35.36 43.0
79.31 62.5
44.16 39.0
Body
SupB
SupB
SupB
SupB
SupB
SupB
ExeB
ExeB
ExeB
ExeB
Dept
FinAcc
HR
Sales
MarkAdv
Proc
OthDep
IT&IS
AG absorbed DePfa Deutsche Pfandbriefbank AG and changed its name to Deutsche Pfandbriefbank AG.
utlook Watch
able
IFRS IFR
Original Origina
31/12/2009 31/12/200
12 months 12 month
mil EUR mil EU
87,895 68,09
91,221 69,93
3,326 1,84
121,997 111,03
78,151 72,12
12,824 9,92
30,914 28,93
108 5
209,892 179,12
10 1
5,315 5,35
215,217 184,49
127,369 119,66
12,378 13,98
67,625 56,46
47,366 49,21
80,681 60,25
14,957 11,76
2 n.a
65,722 48,48
4,281 3,95
n.a. n.a
153 16
2,733 45
215,217 184,49
9,450 4,21
3,326 1,84
79,694 73,70
28 2
3,380 7,14
269 41
3,626 1,82
Original Origina
31/12/2009 31/12/200
12 months 12 month
mil EUR mil EU
785 71
-98 -58
-53 -65
2 -2
-60 2
13 7
354 13
1,890 1,10
-15 -1,38
-1,572 -2,49
-2 -8
-1,570 -2,41
687 12
n.a. n.a
6.00 n.a
n.a. n.a
6 n.a
361 17
IFRS IFR
Original Origina
31/12/2009 31/12/200
12 months 12 month
mil EUR mil EU
3,731 3,17
1,525 1,24
n.a. n.a
5,256 4,41
1,038 1,25
3,433 2,45
4,471 3,70
785 71
-53 -65
-12 -
2 -2
n.a. n.a
-60 2
25 7
-98 -58
112 2
242 11
354 13
n.a. n.a
333 -
1,890 1,10
31 1,25
-1,588 -2,36
n.a. n.a
26
10 13
n.a. n.a
n.a. -
-1,572 -2,49
-2 -8
n.a. n.a
-1,570 -2,41
-53 n.a
n.a. n.a
n.a. n.a
n.a. n.a
-1,623 -2,41
n.a. n.a
-1,570 -2,41
0
n.a. n.a
n.a. n.a
54,303 n.a
n.a. n.a
n.a. 57,97
36,918 11,96
3,326 1,84
87,895 68,09
91,221 69,93
9,450 4,21
n.a. n.a
78,151 72,12
n.a. n.a
925 1,03
12,824 9,92
2,809 2,76
27,178 25,07
2 5
n.a. n.a
43,738 38,85
n.a. n.a
n.a. n.a
108 n.a
n.a. n.a
0 5
209,892 179,12
618 54
n.a. n.a
n.a. 18
10 1
n.a. n.a
28 2
131 8
4,234 4,34
n.a. n.a
304 18
215,217 184,49
53 57
n.a. n.a
12,325 13,41
12,378 13,98
67,625 56,46
n.a. n.a
47,366 49,21
127,369 119,66
61,827 46,25
3,626 1,82
n.a. n.a
65,453 48,07
14,957 11,76
2 n.a
207,781 179,50
n.a. n.a
n.a. n.a
153 16
85 3
3,648 3,54
n.a. n.a
n.a. n.a
n.a. n.a
548 38
212,215 183,63
269 41
999
2,592 1,69
n.a. n.a
-328 -27
n.a. n.a
-530 -96
1,734 45
215,217 184,49
1,538 26
2,740 37
4.37 n.a
8.17 n.a
2.57 n.a
2.20 n.a
0.38 n.a
-0.54 n.a
0.38 n.a
-14.26 -455.4
51.53 107.0
0.17 n.a
34.60 n.a
0.16 n.a
576.88 n.s
-165.02 n.a
-0.76 n.a
0.13 3.2
0.73 n.a
-3.48 n.a
-163.15 n.a
-0.75 n.a
-168.66 n.a
-0.77 n.a
n.a. n.a
-3.44 n.a
-3.56 n.a
3.37 n.a
6.01 n.a
0.72 0.1
6.00 n.a
n.a. n.a
n.a. n.a
0.81 0.2
0.00 0.0
0.00 0.0
n.a. n.a
-90.54 -532.3
16.65 n.a
30.43 n.a
10.36 6.0
3.65 2.6
35.20 43.6
353.17 523.5
2.21 n.a
0.42 n.a
10.36 6.2
736.96 500.0
115.57 127.7
6.42 8.3
n.a. n.a
n.a. n.a
689 1,85
n.a. n.a
2,649 5,23
42 5
218,597 191,64
45,600 n.a
n.a. n.a
45,600 n.a
85,390 n.a
204,359 n.a
209,640 n.a
n.a. n.a
203,601 n.a
2,021 n.a
962 n.a
12,711 n.a
6,539 7,51
10,765 7,48
35,814 29,69
38,102 25,23
748 83
2,682 2,28
9,549 9,40
17,935 16,40
68,025 66,16
3,142 1,07
2,502 3,47
4,482 1,41
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
258 2,48
1,572 1,35
3,809 2,98
6,739 7,15
58,503 43,32
7,034 8,72
1,158 3,49
930 91
8,225 n.a
39,141 49,21
31,664 46,25
30,163 n.a
109,193 95,46
n.a. n.a
n.a. n.a
32 n.a
217 24
1,353 1,99
2,293 n.a
3,626 1,82
n.a. n.a
-1,570 -2,41
n.a. n.a
-1,570 -2,41
1,734 45
999
n.a. n.a
2,733 45
1,734 45
0
0
0
28 2
168 16
0
0
1,538 26
203 11
999
2,740 37
659 11
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,731 3,17
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,038 1,25
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,809 2,76
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
27,178 25,07
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
363 18
2
361 17
550 43
2,776 1,40
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
380 38
5,037 2,98
-1,310 68
-1,515 -2,36
n.a. n.a
n.a. n.a
n.a. n.a
1,734 45
1,734 45
-328 -27
n.a. n.a
n.a. n.a
n.a. n.a
-328 -27
-530 -96
n.a. n.a
n.a. n.a
n.a. n.a
-858 -1,23
n.a. n.a
-858 -1,23
999
2,733 45
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
0
0
n.a. n.a
168 16
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
271 27
999
1,202 20
203 20
6 n.a
n.a. n.a
6.00 n.a
n.a. n.a
45,600 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
43,738 38,85
n.a. n.a
43,738 38,85
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
864 85
n.a. n.a
6.00 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
31/12/2009 31/12/200
3.65 2.6
240.76 155.2
35.20 43.6
10.36 6.0
0.45 0.2
112.81 -13.5
345.77 929.0
224.08 523.5
6.00 n.a
n.a. n.a
1.27 0.2
3.11 0.6
2.15 0.3
1.31 0.2
3.08 1.4
7.54 3.9
5.20 2.2
3.18 1.4
54.71 67.8
0.40 0.4
0.39 0.3
-0.05 -0.3
1.12 0.6
-0.78 -0.6
-0.01 -0.7
-0.79 -1.3
-98.53 -532.3
0.00 0.0
-98.53 -532.3
0.96 57.2
51.53 107.0
0.17 -0.0
115.57 127.7
40.84 36.9
69.01 56.9
43.05 38.3
62.57 61.6
39.04 41.4
Source
VC, VI
VC
VC
VC
VC
VC
VC
VC
VC
VC
Source
VC
VC
VC
VC
VC
VC
VC
IFRS
Unqualified
Original
31/12/2008
12 months
mil EUR
68,097
69,938
1,841
111,032
72,126
9,920
28,934
52
179,129
12
5,355
184,496
119,660
13,985
56,464
49,211
60,256
11,769
n.a.
48,487
3,958
n.a.
168
454
184,496
4,218
1,841
73,709
23
7,144
411
1,826
Unqualified
Original
31/12/2008
12 months
mil EUR
711
-583
-652
-25
23
71
137
1,104
-1,384
-2,497
-80
-2,417
128
n.a.
n.a.
n.a.
n.a.
178
IFRS
Unqualified
Original
31/12/2008
12 months
mil EUR
3,174
1,244
n.a.
4,418
1,254
2,453
3,707
711
-652
-5
-25
n.a.
23
76
-583
21
116
137
n.a.
-9
1,104
1,250
-2,363
n.a.
4
133
n.a.
-5
-2,497
-80
n.a.
-2,417
n.a.
n.a.
n.a.
n.a.
-2,417
n.a.
-2,417
0
n.a.
n.a.
n.a.
n.a.
57,974
11,964
1,841
68,097
69,938
4,218
n.a.
72,126
n.a.
1,037
9,920
2,769
25,075
53
n.a.
38,854
n.a.
n.a.
n.a.
n.a.
52
179,129
546
n.a.
183
12
n.a.
23
82
4,341
n.a.
180
184,496
575
n.a.
13,410
13,985
56,464
n.a.
49,211
119,660
46,250
1,826
n.a.
48,076
11,769
n.a.
179,505
n.a.
n.a.
168
31
3,545
n.a.
n.a.
n.a.
382
183,631
411
0
1,693
n.a.
-275
n.a.
-964
454
184,496
263
376
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
-455.47
107.03
n.a.
n.a.
n.a.
n.s.
n.a.
n.a.
3.20
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.14
n.a.
n.a.
n.a.
0.25
0.00
0.00
n.a.
-532.38
n.a.
n.a.
6.03
2.63
43.65
523.57
n.a.
n.a.
6.28
500.09
127.74
8.34
n.a.
n.a.
1,855
n.a.
5,232
57
191,640
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
7,517
7,488
29,694
25,238
833
2,288
9,405
16,408
66,160
1,075
3,474
1,417
n.a.
n.a.
n.a.
n.a.
2,486
1,356
2,986
7,157
43,328
8,723
3,496
917
n.a.
49,211
46,250
n.a.
95,461
n.a.
n.a.
n.a.
244
1,993
n.a.
1,826
n.a.
-2,417
n.a.
-2,417
454
0
n.a.
454
454
0
0
0
23
168
0
0
263
113
0
376
113
n.a.
n.a.
n.a.
n.a.
3,174
n.a.
n.a.
n.a.
n.a.
n.a.
1,254
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,769
n.a.
n.a.
n.a.
n.a.
n.a.
25,075
n.a.
n.a.
n.a.
n.a.
n.a.
180
2
178
439
1,402
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
380
2,988
688
-2,363
n.a.
n.a.
n.a.
454
454
-275
n.a.
n.a.
n.a.
-275
-964
n.a.
n.a.
n.a.
-1,239
n.a.
-1,239
0
454
n.a.
n.a.
n.a.
n.a.
0
0
n.a.
168
n.a.
n.a.
n.a.
n.a.
n.a.
271
0
203
203
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
38,854
n.a.
38,854
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
851
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2008
2.63
155.27
43.65
6.03
0.26
-13.56
929.08
523.57
n.a.
n.a.
0.25
0.67
0.38
0.25
1.46
3.95
2.25
1.48
67.86
0.40
0.39
-0.32
0.67
-0.60
-0.71
-1.31
-532.38
0.00
-532.38
57.26
107.03
-0.01
127.74
36.91
56.91
38.33
61.60
41.48
Portigon AG
40217 DUESSELDORF
GERMANY
Contact details
HERZOGSTRASSE 15
40217 DUESSELDORF
GERMANY
Formerly known as
Bank History :
Established on January 1, 1969 through the merger of Landesbank für Westfalen Girozentrale, Münster (founded in 1832) and Rhe
1, 2012, WestLB AG changed its name to Portigon AG.
Status
Name of the Auditor
Latest total assets

Latest net income
Specialisation
Peer Group
Peer Group Name

Size
EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income
Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities


Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
Date
1 02/10/2012
2 09/07/2012
3 02/07/2012
4 29/06/2012
5 19/06/2012
6 23/05/2012
7 18/05/2012
8 20/12/2011
9 20/12/2011
10 15/12/2011
11 14/12/2011
12 06/10/2011
13 04/08/2011
14 04/08/2011
15 04/03/2011
16 25/01/2011
17 10/01/2011
18 08/12/2010
19 01/12/2010
20 01/10/2010
21 28/09/2010
22 24/09/2010
23 20/09/2010
24 31/08/2010
25 04/08/2010
26 30/03/2010
27 30/03/2010
28 17/03/2010
29 10/03/2010
30 02/03/2010
31 03/12/2009
32 03/12/2009
33 13/11/2009
34 13/11/2009
35 21/10/2009
36 20/10/2009
37 30/09/2009
38 11/09/2009
39 08/09/2009
40 24/08/2009
41 14/08/2009
42 26/06/2009
43 25/06/2009
44 24/06/2009
45 28/05/2009
46 14/05/2009
47 14/05/2009
48 11/05/2009
49 09/05/2009
50 09/05/2009
Source : Zephyr
Boards & committees
1.
2.
3.
4.
5.
6.
7.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
Management & staff
1.
2.
ounded in 1832) and Rheinische Girozentrale und Provinzialbank, Düsseldorf (founded in 1854). On August 30, 2002, the former Westdeutsche
Active
mil EUR
Ernst & Young GmbH
167,910 mil EUR

-48 mil EUR
7
108


Rating
A
A
News
Bank of New York acquires remaining stake in West LB Mellon Asset Ma
Silicon Laboratories completes acquisition of Ember Corporation (deal n
Mr IV Kim acquires Bank VestLB Vostok (deal no. 1601383108)
Deutsche Leasing acquires Universal Factoring (deal no. 1601386212)
Mizuho agrees to acquire Banco WestLB do Brasil from WestLB (deal no
Silicon Labs buys Ember (deal no. 1601371779)
China Construction Bank completes acquisition of WestLB AG's Brazil as
WestLB may divest certain assets (deal no. 1601331031)
Helaba's supervisory board approves acquisition of WestLB's Verbundsb
WestLB to merge and sell all assets of Westdeutsche Immobilienbank by
Buch.de completes rights issue (deal no. 1601320145)
Westbank sells Readybank's motor finances and consumer credit unit (d
Dufry acquires airport retail ops in Latin America and a wholesale platfo
Dufry acquires Interbaires (deal no. 1601172587)
Amgen acquires BioVex (deal no. 1601241247)
Amgen snaps up BioVex (deal no. 1601241247)
DPE Deutsche Private Equity acquires Westfalia-Automotive (deal no. 16
WestLB stops Westimmo sale (deal no. 1601062508)
PL Holdings and DM IDM acquire WestLB Polska (deal no. 1601134751)
Schmolz + Bickenbach planning capital increase (deal no. 1601220132)
Heidelberger Druckmaschinen completes rights issue (deal no. 1601196
WestLB may not be sold as a whole (deal no. 1601218880)
German Government proposes possible WestLB restructuring plan (deal
WestLB sells Banque d'Orsay to Oddo & Cie (deal no. 1601213713)
Wilex completes share issue (deal no. 1601204315)
Bank of New York Mellon may acquire remaining stake in WestLB Mellon
Joyou floats (deal no. 1601167626)
WestLB may reduce stake in DekaBank (deal no. 1601169056)
Jenoptik completes capital increase (deal no. 1601166964)
Aareal ‘interested in Westimmo’ (deal no. 1601062508)
GIP completes acquisition of Gatwick Airport (deal no. 1601008944)
Hochtief may yet proceed with IPO of Hochtief Concessions (deal no. 16
BC Partners acquires Futurelab (deal no. 1601108409)
BC Partners acquires stake in Synlab (deal no. 1601108433)
IVG Immobilien completes capital increase (deal no. 1601121225)
Banks acquire controlling stake in Regent Inns (deal no. 1601125858)
Essent and RWE complete transaction (deal no. 1601027671)
WestLB sells stake in Wilex (deal no. 1601113947)
EU temporarily SoFFin's WestLB rescue plan (deal no. 1601110925)
KEB acquires WestLB shares in RWE (deal no. 1601090090)
Hochtief mulls IPO for unit (deal no. 1601104158)
PSzAF approves acquisition of WestLB Hungaria Bank by Wallis (deal no
WestLB to sell RWE shares: report (deal no. 1601090090)
WestLB may divest remaining RWE shares in EU regulated sale (deal no
Fortistar and EQT Partners to acquire Midland Cogeneration Venture Ltd
WestLB International and Weberbank will no longer merge (deal no. 160
MBS to acquire Weberbank (deal no. 567418)
Constantin Medien to raise capital (deal no. 1601072190)
Tokyo Syoken Shinyoukumiai acquires stake in Tokyo Stock Exchange G
Tokyo Syoken Shinyoukumiai acquires stake in Tokyo Stock Exchange G

Mr. Raimund Bär -
P039557891
Mr. Dietmar Peter Binkowska -
P039316929
Mr. Horst Breuer -
P130029297
Mr. Michael Breuer -
P039557886
Dr. Rolf Gerlach -
P100608063
Mr. Volker Goldmann -
P129485089
Mrs. Cornelia Hintz -
-
P039557884
Mrs. Sigrid Janetzko -
P065566858
Dr. Bruno Kahl -
P093902053
Mr. Thomas Kreyer -
P039811360
Mrs. Christiane Kutil-Bleibaum -
P039557879
Mrs. Annette Lipphaus -
P039557885
Mrs. Doris Marga Ludwig -
P039557890
Mr. Manfred Matthewes -
P039557887
Mr. Heinz Paus -
P039546899
Mr. Heinz-Günter Sander -
P039557882
Mr. Uwe Schröder -
P109315036
Mr. Wolfgang Steller -
P098981872
Dr. Norbert Walter-Borjans -
P039251965
Mr. Alexander Wüerst -
P039413749
Mr. Dietrich Voigtländer -
P039557875
Mr. Hubert Beckmann -
P039465370
Mr. Thomas Groß -
P039557877
Mr. Werner Taiber -
P014299568

Dr. Anneke Leuhaus -
P088614403
Mr. Ulrich Wollschläger -
P129552190
BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
WestLB AG
the former Westdeutsche Landesbank Girozentrale has been split up into three independent institutions: NRW.BANK, LBS Westdeutsche Landes
Consolidation Code
Source
Release Date
Model

World rank, 2011

World rank, rolling
t Institution

114
01/10/2012
01/10/2012
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
72,055.0
72,861.0
806.0
91,498.0
23,524.0
53,159.0
14,787.0
28.0
163,553.0
371.0
3,986.0
167,910.0
74,182.0
47,294.0
22,181.0
4,707.0
85,306.0
52,097.0
1,669.0
31,540.0
3,172.0
n.a.
2,296.0
2,954.0
167,910.0
1,821.0
806.0
38,423.0
137.0
22,882.0
257.0
2,521.0
Unqualified
Original
31/12/2011
12 months
mil EUR
1,102.0
158.0
150.0
n.a.
216.0
-208.0
910.0
95.0
-218.0
37.0
85.0
-48.0
1,260.0
n.a.
13.80
8.80
6,507.0
4,259.0
149.0
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
2,667.0
2,771.0
n.a.
5,438.0
1,003.0
3,333.0
4,336.0
1,102.0
150.0
-283.0
n.a.
n.a.
216.0
75.0
158.0
460.0
450.0
910.0
n.a.
350.0
95.0
n.a.
255.0
n.a.
n.a.
440.0
222.0
n.a.
37.0
85.0
n.a.
-48.0
-27.0
n.a.
-19.0
-83.0
-177.0
n.a.
-48.0
n.a.
n.a.
n.a.
n.a.
15,360.0
52,381.0
5,120.0
806.0
72,055.0
72,861.0
1,821.0
n.a.
11,416.0
12,108.0
11,554.0
53,159.0
3,182.0
23.0
28.0
n.a.
80,054.0
n.a.
n.a.
28.0
n.a.
n.a.
163,553.0
3,345.0
n.a.
n.a.
371.0
n.a.
137.0
148.0
44.0
43.0
269.0
167,910.0
47,293.0
1.0
n.a.
47,294.0
17,311.0
4,870.0
4,707.0
74,182.0
14,603.0
2,521.0
14,159.0
31,283.0
52,097.0
1,669.0
159,231.0
-381.0
n.a.
2,296.0
419.0
44.0
18.0
n.a.
n.a.
3,072.0
164,699.0
257.0
2,069.0
1,156.0
n.a.
-238.0
-33.0
n.a.
885.0
167,910.0
323.0
323.0
3.44
2.21
3.22
2.64
0.65
0.60
0.65
12.54
72.22
0.53
44.91
0.20
27.14
32.72
0.15
229.73
0.72
0.53
-6.16
-0.03
-22.71
-0.10
n.a.
-0.10
-0.37
0.67
0.67
0.42
8.80
13.80
n.a.
0.53
n.a.
n.a.
n.a.
-5.42
-12.33
-11.30
2.50
1.11
44.26
114.69
0.12
0.19
2.50
154.06
65.95
44.14
n.a.
n.a.
5,222.0
n.a.
17,660.0
n.a.
190,792.0
48,300.0
n.a.
48,300.0
77,482.7
169,055.3
173,271.3
n.a.
164,190.7
1,015.3
779.3
45,337.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,521.0
n.a.
-48.0
n.a.
-48.0
885.0
2,069.0
n.a.
2,954.0
885.0
-381.0
0.0
0.0
137.0
44.0
0.0
0.0
323.0
-3,000.0
3,000.0
323.0
138.4
n.a.
n.a.
n.a.
n.a.
2,667.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,003.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,182.0
n.a.
n.a.
n.a.
n.a.
n.a.
23.0
n.a.
n.a.
n.a.
n.a.
n.a.
149.0
n.a.
149.0
118.0
688.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
967.0
n.a.
340.0
n.a.
n.a.
n.a.
n.a.
885.0
885.0
-238.0
-33.0
n.a.
-151.0
-422.0
n.a.
n.a.
n.a.
n.a.
-422.0
n.a.
-422.0
2,069.0
2,954.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
44.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
-3,000.0
4,259.0
6,507.0
8.80
13.80
48,300.0
39,975.0
4,825.0
3,500.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
80,054.0
n.a.
80,054.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,429
n.a.
8.80
n.a.
13.80
n.a.
n.a.
n.a.
n.a.
n.a.
3,307.0
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2011
1.11
8.62
44.26
2.50
0.19
317.02
61.65
34.36
8.80
13.80
1.76
4.10
3.98
1.82
3.41
7.96
7.73
3.53
43.98
0.63
0.61
0.09
0.56
0.14
-0.17
-0.03
-1.36
n.a.
n.a.
454.17
72.22
0.20
106.06
42.91
97.13
45.98
51.80
24.52
West LB Mellon Asset Management (deal no. 1601376289)

mber Corporation (deal no. 1601371779)
no. 1601383108)
(deal no. 1601386212)
asil from WestLB (deal no. 1601379851)
9)
of WestLB AG's Brazil assets (deal no. 1601333327)
01331031)
n of WestLB's Verbundsbank unit (deal no. 1601293121)
utsche Immobilienbank by summer 2012 (deal no. 1601287256)
320145)
d consumer credit unit (deal no. 1601062488)
ca and a wholesale platform (deal no. 1601290931)
87)
)
7)
a-Automotive (deal no. 1601256044)
62508)
a (deal no. 1601134751)
e (deal no. 1601220132)
s issue (deal no. 1601196549)
1601218880)
B restructuring plan (deal no. 1601217980)
eal no. 1601213713)
4315)
ng stake in WestLB Mellon if WestLB sells (deal no. 1601173667)
o. 1601169056)
601166964)
1062508)
deal no. 1601008944)
Concessions (deal no. 1601104158)
108409)
1601108433)
al no. 1601121225)
(deal no. 1601125858)
. 1601027671)
947)
eal no. 1601110925)
1601090090)
58)
a Bank by Wallis (deal no. 1601122088)
601090090)
U regulated sale (deal no. 1601107184)
Cogeneration Venture Ltd Partnership (deal no. 1601062257)
nger merge (deal no. 1601028347)
01072190)
n Tokyo Stock Exchange Group (deal no. 1601077124)
n Tokyo Stock Exchange Group (deal no. 1601077128)
riginal job title


Chairman of the Management Board
riginal job title

Executive Marketing/Advertising
Executive Information Systems

DE14021
14021
Active
+49 (211) 826 01

+49 (211) 826 6119
www.westlb.de
LBS Westdeutsche Landesbausparkasse and WestLB AG. WestLB AG is the legal successor to Westdeutsche Landesbank Girozentrale. On Octobe
C2
WESTLBIF
Annual reports
10/4/2012
ALLBANKS
cl. Eastern Europe)

Stable
IFRS IFR
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
81,239.0 95,230.
82,146.0 96,897.
907.0 1,667.
106,636.0 134,563.
37,593.0 41,407.
46,257.0 45,990.
22,783.0 47,163.
3.0 3.
187,875.0 229,793.
421.0 448.
3,227.0 12,070.
191,523.0 242,311.
98,208.0 135,634.
40,948.0 46,786.
53,172.0 80,809.
4,088.0 8,039.
85,014.0 98,151.
45,475.0 45,852.
2,482.0 3,054.
37,057.0 49,245.
2,290.0 2,795.
n.a. n.a
1,904.0 1,998.
4,107.0 3,733.
191,523.0 242,311.
1,729.0 4,091.
907.0 1,667.
58,247.0 82,080.
147.0 156.
22,882.0 n.a
1,562.0 1,851.
2,507.0 2,708.
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
1,457.0 1,868.
574.0 611.
-374.0 173.
n.a. n.a
261.0 264.
687.0 174.
1,687.0 1,415.
242.0 796.
-235.0 -771.
-133.0 -503.
107.0 28.
-240.0 -531.
2,031.0 2,479.
n.a. n.a
15.90 10.9
11.40 8.2
7,721.0 9,051.
5,528.0 6,834.
163.0 323.
IFRS IFR
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
2,985.0 4,703.
3,335.0 4,768.
n.a. n.a
6,320.0 9,471.
1,507.0 2,663.
3,356.0 4,940.
4,863.0 7,603.
1,457.0 1,868.
-374.0 173.
-88.0 -10.
n.a. n.a
n.a. n.a
261.0 264.
775.0 184.
574.0 611.
486.0 598.
1,201.0 817.
1,687.0 1,415.
n.a. n.a
344.0 1,064.
242.0 796.
n.a. n.a
102.0 268.
n.a. n.a
n.a. n.a
238.0 463.
3.0 -244.
n.a. -64.
-133.0 -503.
107.0 28.
n.a. n.a
-240.0 -531.
109.0 261.
n.a. n.a
-14.0 -32.
-71.0 10.
-216.0 -292.
n.a. n.a
-240.0 -531.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
22,024.0 5,193.
53,689.0 87,885.
6,433.0 3,819.
907.0 1,667.
81,239.0 95,230.
82,146.0 96,897.
1,729.0 4,091.
n.a. n.a
11,632.0 10,376.
25,961.0 31,031.
18,435.0 38,625.
46,257.0 45,990.
4,166.0 8,195.
129.0 288.
53.0 55.
n.a. n.a
95,001.0 124,184.
n.a. 13,120.
n.a. n.a
3.0 3.
n.a. n.a
n.a. n.a
187,875.0 229,793.
2,219.0 2,048.
n.a. n.a
n.a. n.a
421.0 448.
0.0 0.
147.0 156.
437.0 334.
75.0 185.
11.0 n.a
338.0 9,347.
191,523.0 242,311.
40,946.0 46,780.
2.0 6.
n.a. n.a
40,948.0 46,786.
24,209.0 44,430.
28,963.0 36,379.
4,088.0 8,039.
98,208.0 135,634.
17,299.0 23,600.
2,507.0 2,708.
15,689.0 21,086.
35,495.0 47,394.
45,475.0 45,852.
2,482.0 3,054.
181,660.0 231,934.
-159.0 -156.
n.a. n.a
1,904.0 1,998.
459.0 416.
14.0 2.
n.a. 25.
n.a. n.a
n.a. n.a
1,976.0 2,508.
185,854.0 236,727.
1,562.0 1,851.
3,441.0 1,113.
891.0 3,019.
n.a. n.a
-211.0 -320.
-14.0 -79.
n.a. n.a
666.0 2,620.
191,523.0 242,311.
352.0 2,253.
793.0 3,366.
3.64 4.4
3.74 6.0
2.98 3.7
2.29 3.0
0.69 0.7
0.57 0.4
0.69 0.7
28.26 24.6
83.06 57.0
0.74 0.5
23.74 31.5
0.15 0.4
70.35 74.8
7.04 7.9
0.04 0.1
-80.45 -5.5
0.71 1.2
0.21 0.3
-16.57 -15.7
-0.10 -0.2
-14.91 -8.6
-0.09 -0.1
n.a. n.a
-0.49 -0.6
-0.44 -0.3
0.73 2.7
1.63 4.0
0.27 1.0
11.40 8.2
15.90 10.9
n.a. n.a
0.35 1.0
n.a. n.a
n.a. n.a
n.a. n.a
-36.04 -20.2
-20.96 -15.9
-15.22 -13.6
2.10 4.2
1.10 1.7
52.46 40.7
123.42 92.5
0.30 0.7
0.20 0.3
2.10 4.2
200.61 207.1
48.05 23.3
30.07 25.1
n.a. n.a
n.a. n.a
5,222.0 n.a
n.a. n.a
17,660.0 n.a
n.a. n.a
214,405.0 242,311.
48,550.0 83,023.
n.a. n.a
48,550.0 83,023.
81,987.8 106,816.
212,012.0 254,671.
228,820.6 263,367.
n.a. n.a
212,126.2 253,357.
1,758.4 3,909.
1,448.8 3,375.
40,280.4 44,289.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,507.0 2,708.
n.a. n.a
-240.0 -531.
n.a. n.a
-240.0 -531.
666.0 2,620.
3,441.0 1,113.
n.a. n.a
4,107.0 3,733.
666.0 2,620.
-159.0 -156.
0.0 0.
0.0 0.
147.0 156.
8.0 55.
0.0 0.
0.0 0.
352.0 2,253.
-2,559.0 441.
3,000.0 672.
793.0 3,366.
150.9 965.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,985.0 4,703.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,507.0 2,663.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
4,166.0 8,195.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
129.0 288.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
181.0 342.
18.0 19.
163.0 323.
182.0 174.
725.0 1,424.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
967.0 2,270.
n.a. n.a
-105.0 -513.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
666.0 2,620.
666.0 2,620.
-211.0 -320.
-14.0 -79.
n.a. n.a
-68.0 3.
-293.0 -396.
n.a. n.a
n.a. n.a
n.a. n.a
29.0 1,259.
-264.0 863.
n.a. n.a
-264.0 863.
3,441.0 1,113.
4,107.0 3,733.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
8.0 55.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
441.0 1,113.
441.0 1,113.
-2,559.0 441.
5,528.0 6,834.
7,721.0 9,051.
11.40 8.2
15.90 10.9
48,550.0 83,023.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
95,001.0 124,184.
n.a. n.a
95,001.0 124,184.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
4,712 5,21
n.a. n.a
11.40 8.2
n.a. n.a
15.90 10.9
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,009.0 2,039.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
31/12/2010 31/12/200
1.10 1.7
16.61 42.6
52.46 40.7
2.11 4.2
0.18 0.3
n.s. 121.8
42.10 109.5
20.02 64.9
11.40 8.2
15.90 10.9
2.14 1.5
5.06 3.9
4.18 2.7
2.24 1.6
4.27 3.4
10.06 8.7
8.33 6.1
4.46 3.5
30.66 32.6
0.70 0.7
0.67 0.7
0.27 0.2
0.89 0.8
0.05 0.1
-0.16 -0.3
-0.11 -0.2
-6.12 -14.0
n.a. n.a
n.a. n.a
97.92 145.2
83.06 57.0
0.16 0.4
70.70 51.2
42.42 39.3
82.72 70.2
45.35 41.5
59.31 60.5
32.51 35.8
Body
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
ExeB
ExeB
ExeB
ExeB
Dept
MarkAdv
IT&IS
k Girozentrale. On October 1, 2003 absorbed WestLB (France) S.A.. In 2009, WestLB AG absorbed WestLB Securities Pacific Limited and WestL
utlook Watch
able
IFRS IFRS
Original Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
95,230.0 111,014.0
96,897.0 112,233.0
1,667.0 1,219.0
134,563.0 169,054.0
41,407.0 41,727.0
45,990.0 1,549.0
47,163.0 125,770.0
3.0 8.0
229,793.0 280,068.0
448.0 480.0
12,070.0 7,574.0
242,311.0 288,122.0
135,634.0 120,869.0
46,786.0 29,722.0
80,809.0 77,074.0
8,039.0 14,073.0
98,151.0 159,397.0
45,852.0 66,278.0
3,054.0 65,619.0
49,245.0 27,500.0
2,795.0 2,406.0
n.a. n.a.
1,998.0 1,629.0
3,733.0 3,821.0
242,311.0 288,122.0
4,091.0 n.a.
1,667.0 1,219.0
82,080.0 158,300.0
156.0 155.0
n.a. n.a.
1,851.0 2,466.0
2,708.0 3,870.0
Original Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
1,868.0 1,216.0
611.0 854.0
173.0 47.0
n.a. n.a.
264.0 341.0
174.0 466.0
1,415.0 1,424.0
796.0 479.0
-771.0 -141.0
-503.0 26.0
28.0 8.0
-531.0 18.0
2,479.0 2,070.0
n.a. n.a.
10.90 10.10
8.20 6.40
9,051.0 8,930.0
6,834.0 5,667.0
323.0 251.0
IFRS IFRS
Original Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
4,703.0 5,911.0
4,768.0 5,120.0
n.a. 0.0
9,471.0 11,031.0
2,663.0 3,225.0
4,940.0 6,590.0
7,603.0 9,815.0
1,868.0 1,216.0
173.0 47.0
-10.0 -19.0
n.a. n.a.
n.a. n.a.
264.0 341.0
184.0 485.0
611.0 854.0
598.0 645.0
817.0 779.0
1,415.0 1,424.0
n.a. n.a.
1,064.0 646.0
796.0 479.0
n.a. n.a.
268.0 167.0
n.a. n.a.
n.a. n.a.
463.0 141.0
-244.0 n.a.
-64.0 n.a.
-503.0 26.0
28.0 8.0
n.a. n.a.
-531.0 18.0
261.0 -447.0
n.a. n.a.
-32.0 -112.0
10.0 26.0
-292.0 -515.0
n.a. n.a.
-531.0 18.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,193.0 6,195.0
87,885.0 102,496.0
3,819.0 3,542.0
1,667.0 1,219.0
95,230.0 111,014.0
96,897.0 112,233.0
4,091.0 n.a.
n.a. n.a.
10,376.0 11,768.0
31,031.0 29,959.0
38,625.0 114,448.0
45,990.0 1,549.0
8,195.0 10,310.0
288.0 944.0
55.0 68.0
n.a. n.a.
124,184.0 157,278.0
13,120.0 12,866.0
n.a. n.a.
3.0 8.0
n.a. n.a.
n.a. n.a.
229,793.0 280,068.0
2,048.0 2,125.0
n.a. n.a.
n.a. n.a.
448.0 480.0
0.0 9.0
156.0 146.0
334.0 286.0
185.0 185.0
n.a. n.a.
9,347.0 4,823.0
242,311.0 288,122.0
46,780.0 29,696.0
6.0 26.0
n.a. n.a.
46,786.0 29,722.0
44,430.0 35,619.0
36,379.0 41,455.0
8,039.0 14,073.0
135,634.0 120,869.0
23,600.0 21,164.0
2,708.0 3,870.0
21,086.0 n.a.
47,394.0 25,034.0
45,852.0 66,278.0
3,054.0 65,619.0
231,934.0 277,800.0
-156.0 -400.0
n.a. n.a.
1,998.0 1,629.0
416.0 475.0
2.0 3.0
25.0 32.0
n.a. n.a.
n.a. n.a.
2,508.0 2,296.0
236,727.0 281,835.0
1,851.0 2,466.0
1,113.0 469.0
3,019.0 3,980.0
n.a. n.a.
-320.0 -581.0
-79.0 -47.0
n.a. n.a.
2,620.0 3,352.0
242,311.0 288,122.0
2,253.0 2,693.0
3,366.0 3,162.0
4.40 5.98
6.01 6.78
3.72 4.00
3.00 3.63
0.73 0.44
0.42 0.27
0.73 0.44
24.65 41.26
57.08 68.79
0.54 0.51
31.52 15.56
0.40 0.23
74.81 74.15
7.94 4.02
0.10 0.06
-5.57 30.77
1.28 0.73
0.32 0.19
-15.73 0.43
-0.20 0.01
-8.65 -12.40
-0.11 -0.18
n.a. n.a.
-0.64 0.02
-0.35 -0.58
2.71 3.04
4.05 3.57
1.00 1.07
8.20 6.40
10.90 10.10
n.a. n.a.
1.08 1.16
n.a. n.a.
n.a. n.a.
n.a. n.a.
-20.27 0.54
-15.90 0.55
-13.66 38.13
4.22 n.a.
1.72 1.09
40.75 n.a.
92.52 n.a.
0.75 0.48
0.30 0.25
4.22 n.a.
207.11 377.61
23.35 33.04
25.14 14.05
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
242,311.0 288,122.0
83,023.0 88,513.0
n.a. n.a.
83,023.0 88,513.0
106,816.4 98,799.6
254,671.4 275,769.8
263,367.8 280,123.4
n.a. n.a.
253,357.6 270,327.0
3,909.2 4,323.0
3,375.2 4,151.6
44,289.8 47,533.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,708.0 3,870.0
n.a. n.a.
-531.0 18.0
n.a. n.a.
-531.0 18.0
2,620.0 3,352.0
1,113.0 469.0
n.a. n.a.
3,733.0 3,821.0
2,620.0 3,352.0
-156.0 -400.0
0.0 0.0
0.0 9.0
156.0 146.0
55.0 104.0
0.0 0.0
0.0 0.0
2,253.0 2,693.0
441.0 469.0
672.0 0.0
3,366.0 3,162.0
965.6 1,154.1
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
4,703.0 5,911.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,663.0 3,225.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 10,216.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 1,137.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 8,868.0
n.a. 20,221.0
n.a. 7,246.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 167.0
n.a. 2,897.0
8,195.0 10,310.0
n.a. 944.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
288.0 944.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 13,069.0
342.0 299.0
19.0 48.0
323.0 251.0
174.0 158.0
1,424.0 1,004.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,270.0 2,270.0
n.a. n.a.
-513.0 -314.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,620.0 3,352.0
2,620.0 3,352.0
-320.0 -581.0
-79.0 -47.0
n.a. n.a.
3.0 -7.0
-396.0 -635.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,259.0 2,031.0
863.0 1,396.0
n.a. n.a.
863.0 1,396.0
1,113.0 469.0
3,733.0 3,821.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
55.0 104.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,113.0 469.0
1,113.0 469.0
441.0 469.0
6,834.0 5,667.0
9,051.0 8,930.0
8.20 6.40
10.90 10.10
83,023.0 88,513.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
124,184.0 157,278.0
n.a. n.a.
124,184.0 157,278.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,214 5,957
n.a. n.a.
8.20 6.40
n.a. n.a.
10.90 10.10
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,039.0 2,100.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2009 31/12/2008
1.72 1.09
42.61 39.39
40.75 n.a.
4.22 n.a.
0.31 0.26
121.89 50.50
109.59 n.a.
64.93 n.a.
8.20 6.40
10.90 10.10
1.54 1.33
3.92 3.44
2.75 3.16
1.60 1.38
3.42 3.53
8.71 9.15
6.11 8.40
3.54 3.65
32.66 38.10
0.73 0.43
0.70 0.42
0.23 0.30
0.83 0.66
0.10 0.06
-0.30 -0.05
-0.20 0.01
-14.06 0.44
n.a. n.a.
n.a. n.a.
145.20 -783.33
57.08 68.79
0.40 0.23
51.24 54.14
39.30 38.53
70.21 91.85
41.54 40.53
60.52 130.97
35.81 57.79
Source
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC
VC, VI
VC
VC
VC
Source
VC
VC
Pacific Limited and WestLB Asia Pacific Limited. On July
IFRS IFRS
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
80,269.0 64,991.0
81,253.0 65,819.0
984.0 828.0
201,663.0 215,938.0
53,845.0 76,655.0
36,812.0 35,581.0
111,000.0 103,572.0
6.0 130.0
281,932.0 280,929.0
502.0 486.0
4,118.0 3,872.0
286,552.0 285,287.0
178,173.0 158,098.0
48,816.0 46,842.0
109,775.0 89,023.0
19,582.0 22,233.0
99,428.0 73,351.0
35,571.0 34,627.0
14,022.0 12,051.0
49,835.0 26,673.0
2,702.0 44,917.0
n.a. n.a.
1,820.0 2,165.0
4,429.0 6,756.0
286,552.0 285,287.0
n.a. n.a.
984.0 828.0
113,149.0 130,013.0
145.0 121.0
n.a. n.a.
869.0 n.a.
5,972.0 7,302.0
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
1,090.0 1,012.0
-1,189.0 1,163.0
-1,616.0 561.0
n.a. n.a.
406.0 325.0
21.0 277.0
1,663.0 2,038.0
238.0 -202.0
498.0 667.0
-1,502.0 1,006.0
99.0 207.0
-1,601.0 799.0
-99.0 2,175.0
n.a. n.a.
8.60 12.10
5.60 8.10
8,937.0 11,575.0
5,503.0 7,245.0
-7.0 n.a.
IFRS IFRS
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
4,267.0 4,548.0
5,987.0 4,150.0
n.a. n.a.
10,254.0 8,698.0
3,426.0 4,850.0
5,738.0 2,836.0
9,164.0 7,686.0
1,090.0 1,012.0
-1,616.0 561.0
-185.0 0.0
n.a. n.a.
n.a. n.a.
406.0 325.0
206.0 277.0
-1,189.0 1,163.0
823.0 1,031.0
840.0 1,007.0
1,663.0 2,038.0
n.a. n.a.
-1,762.0 137.0
238.0 -202.0
n.a. n.a.
-2,000.0 339.0
n.a. n.a.
-7.0 82.0
-34.0 193.0
n.a. n.a.
471.0 778.0
-1,502.0 1,006.0
99.0 207.0
n.a. n.a.
-1,601.0 799.0
-795.0 27.0
n.a. n.a.
15.0 -15.0
-130.0 251.0
-2,511.0 1,062.0
0.0 -1.0
-1,601.0 800.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
7,564.0 6,827.0
67,636.0 53,550.0
6,053.0 5,442.0
984.0 828.0
80,269.0 64,991.0
81,253.0 65,819.0
n.a. n.a.
n.a. n.a.
11,306.0 76,655.0
42,539.0 n.a.
57,516.0 52,380.0
36,812.0 35,581.0
21,796.0 51,073.0
14.0 19.0
97.0 100.0
31,577.0 n.a.
190,351.0 139,153.0
17,260.0 23,184.0
n.a. n.a.
6.0 4.0
n.a. n.a.
0.0 126.0
281,932.0 280,929.0
1,788.0 978.0
n.a. n.a.
n.a. n.a.
502.0 486.0
9.0 0.0
136.0 121.0
1,091.0 1,271.0
212.0 219.0
n.a. n.a.
882.0 1,283.0
286,552.0 285,287.0
48,816.0 46,842.0
n.a. n.a.
n.a. n.a.
48,816.0 46,842.0
109,775.0 89,023.0
n.a. n.a.
19,582.0 22,233.0
178,173.0 158,098.0
42,994.0 19,371.0
5,972.0 7,302.0
n.a. n.a.
48,966.0 26,673.0
35,571.0 34,627.0
14,022.0 12,051.0
276,732.0 231,449.0
n.a. 41,772.0
n.a. n.a.
1,820.0 2,165.0
489.0 400.0
45.0 59.0
81.0 221.0
n.a. 1.0
n.a. n.a.
2,087.0 2,464.0
281,254.0 278,531.0
869.0 n.a.
666.0 583.0
3,865.0 5,354.0
0.0 11.0
-134.0 661.0
n.a. n.a.
32.0 147.0
3,763.0 6,173.0
286,552.0 285,287.0
n.a. n.a.
n.a. n.a.
6.07 7.62
9.55 12.24
3.63 3.03
4.05 3.24
0.39 0.35
0.30 0.42
0.39 0.35
n.s. 53.47
n.s. 93.70
0.58 0.70
-32.39 2.40
-0.61 0.05
-13.51 -147.45
-36.77 5.94
-0.70 0.12
-6.59 20.58
-1.69 0.14
-1.92 0.35
-29.43 14.01
-0.56 0.27
-46.16 18.62
-0.87 0.36
n.a. n.a.
-1.54 0.83
-2.41 1.11
n.a. n.a.
n.a. n.a.
1.15 2.05
5.60 8.10
8.60 12.10
n.a. n.a.
1.31 2.16
n.a. n.a.
n.a. n.a.
n.a. n.a.
-42.55 12.94
0.44 -3.11
23.45 14.76
n.a. n.a.
1.21 1.26
n.a. n.a.
n.a. n.a.
0.34 -0.34
-0.01 n.a.
n.a. n.a.
166.45 140.51
10.30 86.11
20.24 23.80
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
286,552.0 285,287.0
104,296.0 95,872.0
n.a. n.a.
104,296.0 95,872.0
70,275.8 59,659.3
282,789.2 286,917.7
287,213.6 291,389.0
n.a. n.a.
226,285.4 237,249.7
5,035.8 5,064.7
5,439.4 5,703.0
35,883.0 39,610.0
19,599.0 17,677.0
8,225.0 5,055.0
26,457.0 23,725.0
26,972.0 19,362.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
7,705.0 12,375.0
1,214.0 1,451.0
2,118.0 2,703.0
414.0 639.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
11,931.0 31,340.0
871.0 2,217.0
12,049.0 13,285.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,972.0 7,302.0
n.a. n.a.
-1,601.0 799.0
n.a. n.a.
n.a. n.a.
3,763.0 6,173.0
666.0 583.0
n.a. n.a.
n.a. n.a.
3,763.0 6,173.0
n.a. 41,772.0
0.0 n.a.
9.0 0.0
136.0 121.0
336.0 219.0
0.0 n.a.
0.0 n.a.
n.a. n.a.
666.0 583.0
0.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
4,267.0 4,548.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,426.0 4,850.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
30,248.0 26,095.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,902.0 4,763.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
23,683.0 21,430.0
56,833.0 52,288.0
28,992.0 20,952.0
12,106.0 16,316.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
649.0 2,867.0
11,626.0 10,938.0
21,796.0 51,073.0
14.0 19.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
14.0 19.0
12,106.0 16,316.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
38,860.0 39,998.0
7.0 n.a.
14.0 n.a.
-7.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,243.0 2,210.0
1,861.0 2,605.0
-239.0 539.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.0 11.0
3,763.0 6,162.0
3,763.0 5,354.0
-134.0 661.0
n.a. n.a.
n.a. n.a.
-33.0 97.0
-167.0 758.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
-167.0 758.0
n.a. n.a.
-167.0 758.0
666.0 583.0
4,429.0 6,756.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
336.0 219.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
666.0 583.0
666.0 583.0
666.0 583.0
5,503.0 7,245.0
8,937.0 11,575.0
5.60 8.10
8.60 12.10
104,296.0 95,872.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
190,351.0 139,153.0
n.a. n.a.
190,351.0 139,153.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
6,147 5,862
n.a. n.a.
5.60 8.10
n.a. n.a.
8.60 12.10
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,778.0 970.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2007 31/12/2006
1.21 1.26
21.84 -19.96
n.a. n.a.
n.a. n.a.
-0.01 n.a.
0.51 n.a.
n.a. n.a.
n.a. n.a.
5.60 8.10
8.60 12.10
1.55 2.37
5.52 10.40
2.49 4.27
1.61 2.49
3.93 4.93
14.04 21.63
6.33 8.89
4.09 5.18
52.99 51.94
0.39 0.36
0.38 0.35
-0.42 0.40
0.67 0.63
-0.70 0.12
0.14 0.16
-0.56 0.28
-28.63 12.57
n.a. n.a.
n.a. n.a.
-31.11 83.48
n.a. 93.70
-0.62 0.05
49.05 86.11
28.01 22.78
45.05 41.11
29.65 29.00
63.51 82.24
41.79 58.00
IFRS
Unqualified
Original
31/12/2005
12 months
mil EUR
55,803.0
57,356.0
1,553.0
234,109.0
18,752.0
49,954.0
164,592.0
811.0
289,912.0
574.0
3,954.0
294,440.0
104,514.0
35,994.0
48,200.0
20,320.0
135,636.0
50,615.0
55,914.0
29,107.0
45,477.0
n.a.
2,853.0
5,960.0
294,440.0
n.a.
1,553.0
130,770.0
154.0
n.a.
n.a.
7,790.0
Unqualified
Original
31/12/2005
12 months
mil EUR
1,331.0
1,032.0
318.0
n.a.
318.0
396.0
2,137.0
-75.0
574.0
875.0
169.0
706.0
2,363.0
n.a.
14.20
8.30
12,184.0
6,701.0
n.a.
IFRS
Unqualified
Original
31/12/2005
12 months
mil EUR
3,495.0
3,728.0
n.a.
7,223.0
3,095.0
2,797.0
5,892.0
1,331.0
318.0
0.0
n.a.
n.a.
318.0
396.0
1,032.0
872.0
1,265.0
2,137.0
n.a.
226.0
-75.0
n.a.
301.0
n.a.
n.a.
0.0
n.a.
574.0
875.0
169.0
n.a.
706.0
634.0
n.a.
65.0
-154.0
1,251.0
-9.0
715.0
n.a.
n.a.
n.a.
n.a.
5,571.0
46,039.0
5,746.0
1,553.0
55,803.0
57,356.0
n.a.
n.a.
18,752.0
n.a.
110,344.0
49,954.0
53,846.0
123.0
279.0
n.a.
214,546.0
16,289.0
n.a.
32.0
n.a.
779.0
289,912.0
1,674.0
n.a.
n.a.
574.0
0.0
154.0
893.0
234.0
n.a.
999.0
294,440.0
35,971.0
23.0
n.a.
35,994.0
48,200.0
n.a.
20,320.0
104,514.0
21,317.0
7,790.0
n.a.
29,107.0
50,615.0
55,914.0
240,150.0
43,640.0
n.a.
2,853.0
n.a.
327.0
n.a.
n.a.
n.a.
1,510.0
288,480.0
n.a.
492.0
4,920.0
3.0
634.0
n.a.
-89.0
5,468.0
294,440.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
43.67
90.44
n.a.
n.a.
n.a.
-33.19
n.a.
n.a.
19.31
0.26
0.35
n.a.
n.a.
n.a.
n.a.
n.a.
0.82
1.46
n.a.
n.a.
1.75
8.30
14.20
n.a.
1.86
n.a.
n.a.
n.a.
12.91
n.a.
n.a.
n.a.
2.71
n.a.
n.a.
n.a.
n.a.
n.a.
159.35
38.90
18.99
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
294,440.0
85,613.0
n.a.
85,613.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
12,677.0
5,974.0
20,012.0
18,693.0
n.a.
n.a.
n.a.
n.a.
14,630.0
2,386.0
2,709.0
698.0
n.a.
n.a.
n.a.
n.a.
20,021.0
1,896.0
14,077.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
7,790.0
n.a.
706.0
n.a.
n.a.
5,468.0
492.0
n.a.
n.a.
5,468.0
43,640.0
n.a.
0.0
154.0
172.0
n.a.
n.a.
n.a.
492.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,495.0
n.a.
n.a.
n.a.
n.a.
n.a.
3,095.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
27,814.0
n.a.
n.a.
n.a.
n.a.
5,331.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
77,130.0
110,275.0
23,547.0
16,220.0
n.a.
n.a.
n.a.
2,680.0
11,399.0
53,846.0
123.0
n.a.
n.a.
n.a.
n.a.
123.0
16,220.0
n.a.
n.a.
n.a.
96,540.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,427.0
2,388.0
105.0
n.a.
n.a.
n.a.
3.0
5,465.0
4,920.0
634.0
n.a.
n.a.
-154.0
480.0
n.a.
n.a.
n.a.
n.a.
480.0
n.a.
480.0
492.0
5,960.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
172.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
492.0
492.0
492.0
6,701.0
12,184.0
8.30
14.20
85,613.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
214,546.0
n.a.
214,546.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,700
n.a.
8.30
n.a.
14.20
n.a.
n.a.
n.a.
n.a.
n.a.
1,666.0
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2005
2.71
-5.64
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
8.30
14.20
2.02
10.68
5.70
2.12
4.67
24.64
13.16
4.90
56.66
0.46
0.45
0.35
0.70
0.10
0.14
0.24
11.85
n.a.
n.a.
81.30
90.44
0.08
38.91
18.95
53.39
24.02
125.12
56.28
HSH Nordbank AG
20095 HAMBURG BvD ID number DE19978

Status Active
The GUO of this controlled subsidiary is HSH FINANZFONDS AOER
Contact details
GERHART - HAUPTMANN - PLATZ 50 Phone number +49 (040) 33 33 0

Fax number +49 (040) 33 333 40
20095 HAMBURG Web Site Address www.hsh-nordbank.com
GERMANY
Bank History :
Established on June 2, 2003, following the merger between Hamburgische Landesbank - Girozentrale and Landesbank
Schleswig-Holstein Girozentrale - LB Kiel. In August 2006, HSH Nordbank AG absorbed HSH Nordbank Hypo AG.

Accounting Standards International Financial Nickname HSHIAS
Name of the Auditor KPMG Model ALLBANKS
available

Latest net income -263 mil EUR Ranking (Country), rolling
No of recorded 5
subsidiaries
Specialisation Specialized Governmental
Credit Institution
Peer Group
Specialised Gov. Credit Institutions Europe (Excl. Eastern
Peer Group Name
Europe)
Size 114
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 87,192.0 96,809.0 106,209.0 115,269.0
Gross Loans 90,607.0 101,208.0 110,557.0 117,610.0
Derivatives 2,476.0 2,070.0 1,979.0 3,234.0
Fixed Assets 240.0 140.0 101.0 114.0
Total Assets 135,906.0 150,945.0 174,484.0 208,370.0

Other Deposits and Short-term Borrowings 13,636.0 9,644.0 205.0 3,863.0
Derivatives 2,034.0 1,343.0 1,602.0 3,353.0
Other Reserves 1,593.0 1,347.0 1,619.0 1,412.0
Equity 4,825.0 5,094.0 4,442.0 2,005.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Other Operating Income -241.0 -154.0 435.0 -2,391.0
Net Gains (Losses) on Trading and Derivatives -107.0 -218.0 713.0 -1,473.0
Statement
Net Fees and Commissions -263.0 -301.0 -272.0 270.0
Remaining Operating Income 129.0 365.0 -6.0 -1,188.0
Overheads 905.0 1,019.0 900.0 899.0
Loan Loss Provisions -389.0 317.0 2,794.0 1,888.0
Other -797.0 61.0 -123.0 159.0
Profit before Tax -204.0 73.0 -1,261.0 -2,968.0
Tax 59.0 -31.0 -423.0 227.0
Net Income -263.0 104.0 -838.0 -3,195.0
Operating Income (Memo) 1,170.0 1,344.0 2,556.0 -340.0

Tier 1 Ratio 13.80 15.20 9.50 7.50
Total Capital 9,600.0 9,300.0 13,200.0 12,923.0
Tier 1 Capital 6,300.0 6,400.0 8,600.0 8,352.0
Net-Charge Offs -60.0 109.0 44.0 -23.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement


Net Gains (Losses) on Trading and Derivatives -107.0 -218.0 713.0 -1,473.0
Net Gains (Losses) on Other Securities 90.0 215.0 -106.0 -1,022.0
Statement
Net Fees and Commissions -263.0 -301.0 -272.0 270.0
Other Operating Income 100.0 146.0 100.0 -166.0
Total Non-Interest Operating Income -180.0 -158.0 435.0 -2,391.0
Total Non-Interest Expenses 905.0 1,019.0 900.0 899.0
Equity-accounted Profit/ Loss - Operating -61.0 4.0 n.a. n.a.

Pre-Impairment Operating Profit 204.0 329.0 1,656.0 -1,239.0
Loan Impairment Charge -389.0 317.0 2,794.0 1,888.0
Operating Profit 593.0 12.0 -1,138.0 -3,127.0

Non-recurring Expense 735.0 9.0 124.0 n.a.
Change in Fair Value of Own Debt -62.0 70.0 1.0 331.0
Other Non-operating Income and Expenses n.a. n.a. n.a. -172.0
Pre-tax Profit -204.0 73.0 -1,261.0 -2,968.0
Tax expense 59.0 -31.0 -423.0 227.0
Net Income -263.0 104.0 -838.0 -3,195.0
Change in Value of AFS Investments 17.0 114.0 206.0 -382.0

Remaining OCI Gains/(losses) n.a. 17.0 -31.0 54.0
Fitch Comprehensive Income -243.0 265.0 -668.0 -3,494.0
Memo: Profit Allocation to Non-controlling Interests n.a. 51.0 -9.0 -35.0
Memo: Net Income after Allocation to Non- -263.0 53.0 -829.0 -3,160.0
Balance Sheet
Assets
Loans
Other Loans 6,612.0 7,492.0 9,809.0 10,585.0
Net Loans 87,192.0 96,809.0 106,209.0 115,269.0
Gross Loans 90,607.0 101,208.0 110,557.0 117,610.0
Memo: Loans at Fair Value included above 1,206.0 1,156.0 1,165.0 1,264.0
Derivatives 2,476.0 2,070.0 1,979.0 3,234.0
Held to Maturity Securities n.a. 0.0 0.0 0.0
At-equity Investments in Associates 311.0 1,105.0 1,110.0 1,100.0
Non-earning Assets
Fixed Assets 240.0 140.0 101.0 114.0
Goodwill n.a. 0.0 76.0 135.0
Deferred Tax Assets 1,156.0 1,269.0 1,204.0 726.0
Other Assets 184.0 185.0 338.0 409.0
Total Assets 135,906.0 150,945.0 174,484.0 208,370.0
Other Deposits and Short-term Borrowings 13,636.0 9,644.0 205.0 3,863.0
Funding
Derivatives 2,034.0 1,343.0 1,602.0 3,353.0
Total Funding 124,699.0 139,709.0 163,483.0 199,159.0
Fair Value Portion of Debt -285.0 -360.0 -342.0 -342.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 5,098.0 5,384.0 4,842.0 2,607.0
Non-controlling Interest -6.0 -3.0 31.0 45.0
OCI
Total Equity 4,825.0 5,094.0 4,442.0 2,005.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Non-Interest Income/ Gross Revenues% -15.38 -11.76 17.02 703.24
Non-Interest Expense/ Gross Revenues% 77.35 75.82 35.21 -264.41
Loans and securities impairment charges/ Pre- -190.69 96.35 168.72 -152.38
Taxes/ Pre-tax Profit% -28.92 -42.47 33.54 -7.65
Assets%
Net Income/ Average Total Equity% -5.18 2.35 -24.43 -83.07
Net Income/ Average Total Assets% -0.19 0.06 -0.43 -1.56
%
%
Securitized Assets%
Net Income/ Risk Weighted Assets% -0.57 0.25 -0.93 -2.88
Fitch Comprehensive Income/ Risk Weighted Assets -0.53 0.64 -0.74 -3.15
%
Capitalization
Cash Dividend Paid & Declared/ Fitch Comprehensive n.a. n.a. 0.00 0.00
Income%
Net Income - Cash Dividends/ Total Equity% -5.45 2.04 -18.87 -159.35
Loan Quality
%
Loan Impairment Charges/ Average Gross Loans% -0.41 0.29 2.42 1.71
Net Charge-offs/ Average Gross Loans% -0.06 0.10 0.04 -0.02
Foreclosed Assets%
Funding
Reference Data
Sheet

balance sheet
Average Loans 93,767.6 108,883.8 115,520.4 110,228.8
Average Assets 139,109.6 167,156.4 194,650.8 205,371.8
Average Equity 5,080.2 4,421.4 3,430.0 3,846.3
Maturities





Senior Debt Maturing < 3 months 5,355.0 n.a. n.a. n.a.

Senior Debt Maturing > 5 Years 6,487.0 n.a. n.a. n.a.
Net Income -263.0 104.0 -838.0 -3,195.0
Published Net Income -263.0 104.0 -838.0 -3,195.0
Equity 4,825.0 5,094.0 4,442.0 2,005.0
as Equity
Published Equity n.a. 5,094.0 4,442.0 2,005.0

interests)
Fair value effect incl in own debt/borrowings at fv on -285.0 -360.0 -342.0 -342.0
the B/S- CC only
Goodwill 0.0 0.0 76.0 135.0
securitizations
Eligible weighted Hybrid capital 0.0 862.0 1,616.1 573.0
Eligible Hybrid Capital Limit 1,725.0 1,832.6 1,616.1 573.0

Borrowing
Securities
Trading Assets - Debt Securities (where no issuer 1,380.0 1,303.0 3,033.0 7,275.0
breakdown)
Trading Assets - Equities 10.0 15.0 36.0 125.0
Income Statement
Trading Assets - Other 10,591.0 9,964.0 13,810.0 19,402.0
Total Trading Assets at FV through the Income 11,981.0 11,282.0 16,879.0 26,802.0
Statement
breakdown)
AFS Assets - Government 839.0 913.0 1,077.0 2,416.0
Total AFS Assets 7,556.0 7,804.0 9,648.0 19,933.0

Total HTM Debt Securities n.a. 0.0 0.0 0.0
Total Debt Securities - Government 839.0 913.0 1,077.0 2,416.0
Total Debt Securities - Equities & Other 10,601.0 9,979.0 13,846.0 19,527.0
Asset Quality Data

Net Charge-offs
Recoveries 95.0 82.0 40.0 37.0
Net Charge-offs -60.0 109.0 44.0 -23.0
Reserves
Collective/General Loan Impairment Reserves 564.0 827.0 1,183.0 671.0

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 2,635.0 2,635.0 2,460.0 881.0
Legal Reserves 809.0 1,028.0 1,509.0 88.0

Profit/Loss Reserve/Income for the period net of -257.0 53.0 -734.0 284.0
dividends
Non-controlling Interest -6.0 -3.0 31.0 45.0
Interests
absorbing

Total Dividends Related to Period n.a. n.a. 0.0 175.0
Capital
Hybrid Capital Fitch Class A n.a. n.a. 189.0 n.a.
Hybrid Capital Fitch Class B n.a. n.a. 28.0 n.a.
Weighted Total of Fitch Hybrid Capital Classes 0.0 862.0 1,822.0 2,200.6
Regulatory Capital

Risk-Weighted Assets excluding Floor/Cap per Basel 45,900.0 41,400.0 90,500.0 111,000.0
II
Capital
deposits
banks

loans

Leverage Ratio% n.a. n.a. 2.55 0.96
Total Trust Assets n.a. n.a. 388.0 392.0
Total Exposure to Central Bank 1,505.0 994.0 967.0 1,125.0
Related Party Loans n.a. n.a. 96.0 16.0
Trust Account Loans n.a. n.a. 387.0 384.0
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Loan Loss Prov / Net Int Rev -28.82 21.11 131.73 92.05
NCO / Average Gross Loans -0.06 0.10 0.04 -0.02
Capital
Tier 1 Ratio 13.80 15.20 9.50 7.50
Equity / Net Loans 5.53 5.26 4.18 1.74
Operations
Oth Op Inc / Avg Assets -0.17 -0.10 0.23 -1.16
Non Op Items & Taxes / Avg Ast -0.60 0.06 0.16 -0.03
Return On Avg Assets (ROAA) -0.18 0.06 -0.44 -1.55
Return On Avg Equity (ROAE) -5.30 2.18 -26.00 -96.58
Inc Net Of Dist / Avg Equity n.a. n.a. -26.00 -96.58
Cost To Income Ratio 81.61 75.59 35.21 n.a.
Liquidity
Interbank Ratio 31.79 34.56 39.31 37.29
Date News
1 08/10/2012 Zertus makes offer for Zetar (deal no. 1601409355)
2 05/10/2012 Zertus posts Scheme document to Zetar shareholders (deal no.
1601409355)
1601373426)
1601373426)
5 23/05/2012 E. Winkemann acquired by management and Equistone Private
6 18/01/2012 HSH Nordbank to launch private placing (deal no. 1601334740)
7 03/01/2012 KGAL and Cryo acquire CE Solaire (deal no. 1601382020)

8 22/10/2011 Korea Line issues new shares to pay off debt (deal no.
1633091687)
9 29/09/2011 HSH Nordbank sells stake in DAL to Deutsche Leasing (deal no.
1601052547)
10 16/06/2011 HSH-Nordbank considering sale of aircraft investment business
(deal no. 1601279161)
11 04/05/2011 HSH-Nordbank to sell Luxembourg unit to Banque du
Luxembourg (deal no. 1601175031)
12 08/12/2010 Advisors appointed for Hapag-Lloyd flotation (deal no.
1601231572)
13 26/11/2010 Hapag Lloyd IPO on hold until 2014 (deal no. 1601231572)
14 10/08/2010 HCI Capital to issue shares as a result of debt conversion (deal
no. 1601209538)
15 26/03/2010 HSH-Nordbank seeks approval to acquire stake in Brinkhof
Holding Deutschland (deal no. 1601172189)
16 16/03/2010 HSH Nordbank may be opened to new investors (deal no.
1601082652)
17 19/01/2010 HSH Nordbank sells Spielbanken Schleswig-Holstein (deal no.
1601160627)
18 22/12/2009 HSH-Nordbank may be sold (deal no. 1601146133)
19 30/10/2009 Desertec and 12 other companies form joint venture (deal no.
1601094827)
20 07/07/2009 HSH may acquire a stake in Albertina (deal no. 1601093789)
21 02/07/2009 HSH Nordbank completes capital increase (deal no. 1601049589)
22 29/06/2009 HSH Nordbank may merge with banks outside public sector (deal
no. 1601091145)
23 02/06/2009 Deutsche Postbank to acquire HSH-Nordbank's payment
transaction business (deal no. 1601127405)
24 28/05/2009 States of Schleswig-Holstein and Hamburg seek privatisation of
HSH Nordbank (deal no. 1601082652)
25 17/02/2009 HSH Nordbank plans to sell Commodity Trade Finance segment
(deal no. 1601052543)
26 09/02/2009 HSH ‘to tap state investors for EUR 1.00 billion’ (deal no.
1601049589)
27 10/01/2009 German government may consider stake in HSH-Nordbank (deal
no. 1601043181)
28 30/12/2008 Straumur has acquired Biva (deal no. 1601038455)
29 16/12/2008 HSH Nordbank plans to sell real estate business in Western
Europe (deal no. 1601040072)
30 01/12/2008 HSH-Nordbank AG and Al Salam Investment in joint venture
(deal no. 1601056129)
31 31/10/2008 Citti completes acquisition of Hørkram Schulz Food Service (deal
no. 1601019573)
32 06/08/2008 RBS sells Angel Trains to Babcock & Brown-led consortium (deal
no. 577072)
33 01/08/2008 Nordic Capital and Avista Capital complete acquisition of
Convatec (deal no. 638756)
34 11/07/2008 Salzgitter may be planning to raise stake in Norddeutsche
Affinerie (deal no. 1601001852)
35 07/07/2008 Masdar Clean Tech Fund and Virgin Green Fund buy out
DuraTherm (deal no. 1601004460)
36 20/05/2008 HSH Nordbank announces capital increase plans (deal no.
616214)
37 20/05/2008 HSH Nordbank announces capital increase plans (deal no.
643428)
38 08/05/2008 Sparkassen- und Giroverband für Schleswig-Holstein may sell
stake in HSH Nordbank (deal no. 640652)
39 30/04/2008 Triton withdraws offer for Cision (deal no. 637741)
40 15/04/2008 Excel Maritime Carriers acquires Quintana Maritime (deal no.
584645)
41 01/04/2008 3i Group acquires Active Pharmaceutical Ingredients (deal no.
616022)
42 07/02/2008 HSH Nordbank planning EUR 1 billion capital injection (deal no.
433156)
43 31/12/2007 PCA Corporate Finance bought out by corporate finance team
(deal no. 1601034817)
44 09/11/2007 Norddeutsche Affinerie raises capital (deal no. 567042)
45 02/11/2007 Hamburger Hafen und Logistik floats (deal no. 398408)
46 17/10/2007 Quintana Maritime on course for a sale? (deal no. 584645)
47 26/09/2007 One Equity Partners and MSP-Stiftung to acquire De-Vau-Ge
Gesundkostwerk (deal no. 579996)
48 24/09/2007 Numerous suitors set to fall for Angel Trains (deal no. 577072)
49 23/08/2007 HSH Nordbank may consider acquisitions (deal no. 569058)

50 16/08/2007 HSH Real Estate AG and HSH Nordbank AG transfer Public
Private Partnerships (PPP) activities to Deutsche PPP Holding
(deal no. 568343)
Source : Zephyr
Boards & committees

1. Mr. Hilmar Kopper - Chairman, Supervisory Board SupB VI
- Chairman, General Committee; OthBC VI
Chairman, Mediation Committee;
Member, Risk Committee
2. Mr. Olaf Behm - Deputy Chairman, Supervisory SupB VI

P039487048 Board
2.
- Member, General Committee; OthBC VI

Member, Risk Committee;
Member, Mediation Committee
3. Mrs. Stefanie Arp - Member, Supervisory Board SupB VI
P129794772 (since 01/03/2012)
4. Mrs. Sabine-Almut Auerbach - Member, Supervisory Board SupB VI
P112698596
5. Mrs. Astrid Balduin - Member, Supervisory Board SupB VI
6. Mr. Hans-Werner Blöcker - Member, Supervisory Board SupB VI
P001080736
7. Mr. Berthold Bose - Member, Supervisory Board SupB VI
P112698590
8. Mr. Detlev Bremkamp - Member, Supervisory Board SupB VI
P002179625
9. DR. Alexander Erdland - Member, Supervisory Board SupB VI
P039635318 (since 01/08/2011)
- Chairman, Risk Committee OthBC VI
(since 25/08/2011)
10. Mr. Jürgen Friedland - Member, Supervisory Board SupB VI
11. Mr. Jens-Peter Gotthardt - Member, Supervisory Board SupB VI
P063328613 (to 29/02/2012)
(to 29/02/2012)
12. Mr. Thorsten Heick - Member, Supervisory Board SupB VI
13. Mr. Oke Heuer - Member, Supervisory Board SupB VI
- Member, General Committee OthBC VI
14. Dr. Rainer Klemmt-Nissen - Member, Supervisory Board SupB VI
P039479646 - Member, General Committee; OthBC VI
Member, Risk Committee;
15. Mr. Lutz Hermann Koopmann - Member, Supervisory Board SupB VI
P039477312 - Deputy Chairman, Audit AudC VI
Committee
16. Dr.jur. Joachim Lemppenau - Member, Supervisory Board SupB VI
P129347866 - Chairman, Audit Committee AudC VI
17. Mr. Manfred Lener - Member, Supervisory Board SupB VI
P112698595 - Member, Risk Committee; OthBC VI
18. Mrs. Rieka Meetz-Schawaller - Member, Supervisory Board SupB VI
19. Mr. David John Morgan - Member, Supervisory Board SupB VI
P056507151 - Member, General Committee; OthBC VI
Deputy Chairman, Risk
Committee
20. Mrs. Edda Redeker - Member, Supervisory Board SupB VI
P112698593
21. Mr. Bernd Wrede - Member, Supervisory Board SupB VI
22. Dr. Paul Friedrich Lerbinger - Member of the Management ExeB VI
P039590522 Board; Chairman of the
Management Board
(since 01/03/2011)
23. Prof. Dr. Dirk Jens - Member, Management Board ExeB VI
Nonnenmacher (since 31/03/2011)
P129867135
24. Mr. Torsten Temp - Member of the Management ExeB VI
P039479498 Board (Corporate and Private
Clients)
25. Dr. Martin van Gemmeren - Member, Management Board ExeB VI
P014298270 (to 10/02/2012)
26. Mr. Constantin von Oesterreich - Member of the Management ExeB VI
P033256868 Board (CFO and CRO)
) 33 33 0
) 33 333 40
-nordbank.com
e and Landesbank
k Hypo AG.
eport
S
pe (Excl. Eastern
manager for more
manager for more
Watch
IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006
115,269.0 103,928.0 99,512.0

117,610.0 105,475.0 101,315.0
2,341.0 1,547.0 1,803.0
89,615.0 98,220.0 93,013.0
22,930.0 28,534.0 28,825.0
3,234.0 10,156.0 6,805.0
63,166.0 57,290.0 56,478.0
285.0 2,240.0 905.0
204,884.0 202,148.0 192,525.0
114.0 117.0 105.0
3,372.0 2,598.0 1,711.0
208,370.0 204,863.0 194,341.0
117,830.0 115,002.0 105,997.0

52,469.0 50,247.0 46,076.0
61,498.0 57,764.0 50,030.0
3,863.0 6,991.0 9,891.0
85,545.0 81,988.0 80,367.0
3,353.0 8,512.0 6,086.0
18,121.0 941.0 1,411.0
64,071.0 72,535.0 72,870.0
1,578.0 2,481.0 2,633.0
n.a. n.a. n.a.
1,412.0 781.0 868.0
2,005.0 4,611.0 4,476.0
208,370.0 204,863.0 194,341.0
4,871.0 2,244.0 2,253.0

2,341.0 1,547.0 1,803.0
51,004.0 29,701.0 29,734.0
246.0 340.0 300.0
29,426.0 35,070.0 n.a.
4,216.0 3,749.0 3,796.0

5,518.0 5,547.0 4,328.0

31/12/2008 31/12/2007 31/12/2006
2,051.0 1,602.0 1,465.0
-2,391.0 -471.0 802.0
-1,473.0 n.a. n.a.
n.a. -604.0 202.0
270.0 326.0 351.0

-1,188.0 -193.0 249.0
899.0 984.0 865.0
1,888.0 -7.0 -7.0
159.0 -6.0 -214.0
-2,968.0 148.0 1,195.0
227.0 -132.0 363.0
-3,195.0 280.0 832.0
-340.0 1,131.0 2,267.0
0.0 175.0 214.0
11.60 10.40 n.a.

7.50 6.20 n.a.
12,923.0 12,906.0 n.a.
8,352.0 7,679.0 n.a.
-23.0 -16.0 -3.0
IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006
7,373.0 8,207.0 6,499.0

25,790.0 24,681.0 17,308.0
n.a. n.a. n.a.
33,163.0 32,888.0 23,807.0
2,710.0 5,421.0 4,465.0

28,402.0 25,865.0 17,877.0
31,112.0 31,286.0 22,342.0
2,051.0 1,602.0 1,465.0
-1,473.0 n.a. n.a.

-1,022.0 -342.0 169.0
n.a. -604.0 202.0
n.a. n.a. n.a.

270.0 326.0 351.0
-166.0 149.0 80.0
-2,391.0 -471.0 802.0
412.0 498.0 428.0
487.0 486.0 437.0
899.0 984.0 865.0
n.a. n.a. n.a.

-1,239.0 147.0 1,402.0
1,888.0 -7.0 -7.0
n.a. 6.0 214.0
-3,127.0 148.0 1,195.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
331.0 n.a. n.a.
-172.0 n.a. n.a.
-2,968.0 148.0 1,195.0
227.0 -132.0 363.0
n.a. n.a. n.a.
-3,195.0 280.0 832.0
-382.0 -207.0 -29.0

n.a. n.a. n.a.
29.0 -69.0 -52.0
54.0 -14.0 82.0
-3,494.0 -10.0 833.0
-35.0 n.a. n.a.
-3,160.0 280.0 832.0
0.0 175.0 214.0

n.a. n.a. 44.0
n.a. n.a. n.a.

n.a. n.a. n.a.
3,086.0 3,964.0 4,145.0
103,939.0 91,597.0 87,674.0
10,585.0 9,914.0 9,496.0
2,341.0 1,547.0 1,803.0
115,269.0 103,928.0 99,512.0
117,610.0 105,475.0 101,315.0
4,871.0 2,244.0 2,253.0
1,264.0 510.0 n.a.
22,930.0 28,534.0 28,825.0

n.a. n.a. n.a.
26,655.0 490.0 446.0
3,234.0 10,156.0 6,805.0
19,933.0 56,650.0 55,759.0
0.0 n.a. n.a.
1,100.0 150.0 273.0
15,478.0 n.a. n.a.
66,400.0 67,446.0 63,283.0
n.a. 3,490.0 4,055.0
n.a. n.a. n.a.
285.0 289.0 33.0
n.a. n.a. n.a.
n.a. 1,951.0 872.0
204,884.0 202,148.0 192,525.0
1,419.0 677.0 463.0

n.a. n.a. n.a.
n.a. n.a. n.a.
114.0 117.0 105.0
135.0 272.0 239.0
111.0 68.0 61.0
572.0 337.0 201.0
726.0 815.0 410.0
0.0 n.a. n.a.
409.0 429.0 337.0
208,370.0 204,863.0 194,341.0
9,102.0 9,370.0 46,076.0

90.0 94.0 n.a.
43,277.0 40,783.0 n.a.
52,469.0 50,247.0 46,076.0
61,498.0 57,764.0 50,030.0
n.a. n.a. n.a.
3,863.0 6,991.0 9,891.0
117,830.0 115,002.0 105,997.0
54,337.0 63,239.0 64,746.0

5,518.0 5,547.0 4,328.0
n.a. n.a. n.a.
59,855.0 68,786.0 69,074.0
3,353.0 8,512.0 6,086.0
18,121.0 941.0 1,411.0
199,159.0 193,241.0 182,568.0
-342.0 n.a. n.a.

n.a. n.a. n.a.
1,412.0 781.0 868.0
101.0 258.0 314.0
24.0 99.0 113.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,795.0 2,124.0 2,206.0
202,149.0 196,503.0 186,069.0
4,216.0 3,749.0 3,796.0
n.a. n.a. n.a.
2,607.0 4,676.0 4,471.0

45.0 224.0 4.0
-562.0 -236.0 -29.0
-85.0 -53.0 n.a.
n.a. n.a. 30.0
2,005.0 4,611.0 4,476.0

208,370.0 204,863.0 194,341.0
1,337.0 n.a. n.a.
1,910.0 n.a. n.a.
6.69 7.94 n.a.

5.17 11.26 n.a.
16.43 16.67 n.a.

15.99 16.65 n.a.
1.02 0.81 n.a.

0.08 0.82 n.a.
1.02 0.81 n.a.
703.24 -41.64 35.38

-264.41 87.00 38.16
0.44 0.49 n.a.
-32.21 3.24 n.a.
-0.60 0.07 n.a.
-152.38 -0.68 14.76
-81.30 3.26 n.a.

-1.52 0.07 n.a.
-7.65 -89.19 30.38
-1.12 0.11 n.a.
-2.82 0.11 n.a.
-83.07 6.16 n.a.

-1.56 0.14 n.a.
-90.84 -0.22 n.a.
-1.70 -0.01 n.a.
n.a. n.a. n.a.
-2.88 0.22 n.a.

-3.15 -0.01 n.a.
1.20 n.a. n.a.

1.72 n.a. n.a.
0.81 1.96 2.12
7.50 6.20 n.a.
11.60 10.40 n.a.
n.a. n.a. n.a.
0.96 2.25 2.30
0.00 62.50 31.01
0.00 n.s. 30.97
n.a. n.a. n.a.

-159.35 2.28 12.82
1.71 5.41 n.a.

11.51 4.11 n.a.
4.14 2.13 2.22
1.99 1.47 1.78
48.06 68.94 80.03
126.18 15.12 10.05
1.71 -0.01 n.a.

-0.02 -0.02 n.a.
4.14 2.13 2.22
224.15 209.91 219.89
37.29 49.40 57.62
26.80 27.20 26.11
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
23,118.0 25,985.0 n.a.

6,308.0 9,085.0 n.a.
237,796.0 239,933.0 194,341.0
111,000.0 129,300.0 n.a.
n.a. n.a. n.a.
111,000.0 129,300.0 n.a.
110,228.8 103,395.0 n.a.

201,896.0 197,336.5 n.a.
205,371.8 199,602.0 n.a.
n.a. n.a. n.a.
194,529.3 187,904.5 n.a.
4,177.8 4,573.5 n.a.
3,846.3 4,543.5 n.a.
52,402.0 48,161.5 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

18,057.0 n.a. n.a.
46,839.0 n.a. n.a.
n.a. n.a. n.a.
64,896.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
5,518.0 5,547.0 4,328.0
n.a. n.a. n.a.
-3,195.0 280.0 832.0

n.a. n.a. n.a.
-3,195.0 280.0 832.0
2,005.0 4,611.0 4,476.0

n.a. n.a. n.a.
n.a. n.a. n.a.

2,005.0 n.a. n.a.
2,005.0 4,611.0 4,476.0
-342.0 n.a. n.a.
0.0 n.a. n.a.

135.0 272.0 239.0
111.0 68.0 61.0
80.0 263.0 54.0
0.0 0.0 0.0
0.0 0.0 0.0
1,337.0 n.a. n.a.

573.0 2,194.0 2,645.8
0.0 0.0 n.a.
1,910.0 n.a. n.a.
573.0 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
7,373.0 8,207.0 6,499.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
2,710.0 5,421.0 4,465.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
7,275.0 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
125.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

19,402.0 n.a. n.a.
26,802.0 n.a. n.a.
n.a. 50,611.0 47,666.0
2,416.0 3,000.0 3,609.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 1,944.0 2,322.0
n.a. 1,095.0 2,162.0
19,933.0 56,650.0 55,759.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
0.0 n.a. n.a.
2,416.0 3,000.0 3,609.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
19,527.0 3,039.0 4,484.0
14.0 n.a. n.a.

37.0 n.a. n.a.
-23.0 -16.0 -3.0
671.0 426.0 n.a.

1,670.0 1,121.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
881.0 702.0 1,373.0
88.0 2,317.0 1,646.0

1,354.0 1,657.0 1,452.0
284.0 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
45.0 224.0 4.0
1,960.0 4,387.0 4,472.0
2,005.0 4,676.0 4,471.0
-562.0 -236.0 -29.0
-85.0 n.a. n.a.
n.a. n.a. n.a.
n.a. 68.0 82.0
-647.0 -168.0 53.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
-647.0 -168.0 53.0
n.a. n.a. n.a.
-647.0 -168.0 53.0
n.a. n.a. n.a.
2,005.0 4,611.0 4,476.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

175.0 214.0 165.0
0.0 175.0 214.0
n.a. n.a. n.a.
80.0 263.0 54.0
111.0 68.0 61.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,200.6 2,194.0 2,645.8
2,200.6 2,194.0 2,645.8
2,200.6 2,194.0 2,645.8
8,352.0 7,679.0 n.a.

12,923.0 12,906.0 n.a.
7.50 6.20 n.a.
11.60 10.40 n.a.
111,000.0 129,000.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
111,000.0 129,000.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
66,400.0 67,446.0 63,283.0

n.a. n.a. n.a.
66,400.0 67,446.0 63,283.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
4,569 4,259 n.a.

n.a. n.a. n.a.
7.50 6.20 n.a.
n.a. n.a. n.a.
11.60 10.40 n.a.
0.96 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
392.0 n.a. n.a.
n.a. n.a. n.a.
1,125.0 664.0 452.0
n.a. n.a. n.a.
16.0 n.a. n.a.
384.0 n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006
1.99 1.47 1.78

92.05 -0.44 -0.48
48.06 68.94 80.03
4.14 2.13 2.22
-0.02 -0.02 0.00
1.76 -5.86 -0.36
242.94 48.67 50.34
126.19 15.12 10.05
7.50 6.20 n.a.

11.60 10.40 n.a.
0.96 2.25 2.30
1.74 4.44 4.50
1.70 4.01 4.22
1.02 2.42 2.46
5.63 6.79 6.48
10.18 13.38 12.66
9.96 12.09 11.89
5.97 7.28 6.93
47.01 39.89 34.35
1.01 0.81 0.76

0.99 0.80 0.75
-1.16 -0.24 0.41
1.35 0.49 0.44
-1.51 0.08 0.73
-0.03 0.06 -0.30
-1.55 0.14 0.43
-96.58 6.16 18.59
0.00 62.50 25.72
-96.58 2.31 13.81
-4.98 -2.14 -25.72
n.a. 87.00 38.16
-0.60 0.07 0.72
37.29 49.40 57.62

55.32 50.73 51.21
97.83 90.37 93.88
59.53 55.37 55.83
43.29 25.83 28.05
26.34 15.82 16.68
Landesbank Berlin Holding AG-LBB Holding AG
10178 BERLIN
GERMANY
The GUO of this controlled subsidiary is DEUTSCHER SPARKASSEN & GIROVERBAND EV
Contact details
Alexanderplatz, 2
10178 BERLIN
GERMANY
Formerly known as
Bank History :
Established on January 1,1994. In April 1999, Bankgesellschaft Berlin AG absorbed Berliner Bank AG & Co KG. In August 2006, cha
Status
Name of the Auditor
Latest total assets

Latest net income
Specialisation
Peer Group
Peer Group Name

Size

EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income

Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities

Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
This company has been delisted since 02/08/2012 (takeover by ERWER
General information
No of outstanding shares (01/08/2012):

Current market capitalisation (th EUR):
Type of share:
ISIN number:
SEDOL number:
Ticker symbol:
Nominal value (EUR):
Stock exchange(s) listed:
IPO date:
Market price - Year (EUR)

Market price - January
Market price - February
Market price - March
Market price - April
Market price - May
Market price - June
Market price - July
Market price - August
Market price - September
Market price - October
Market price - November
Market price - December
Date of current market price

Market price - Current
Market price - Year to date - High
Market price - Year to date - Low
Price trends (%)

Price trends - Last week
Price trends - 4 weeks
Price trends - Quarter to date
Price trends - Previous quarter to date
Price trends - Year to date
BETA
Reference index 1: DAX (DEUTSCHER AKTIENINDEX)

Ref. index 1 - Beta - 3 months
Ref. index 1 - Beta - 1 month
Ref. index 1 - Beta - 1 year
Ref. index 1 - Correlation coefficient - 3 months
Ref. index 1 - Correlation coefficient - 1 month
Ref. index 1 - Correlation coefficient - 1 year

Reference index 3: GERMAN ENTREPRENEURIAL TOTAL RETURN INDEX


Reference index 5:
Equity price volatility - 360 days

Date
1 01/08/2012
2 01/10/2010
3 01/10/2010
4 14/01/2008
5 31/12/2007
6 08/08/2007
7 31/05/2007
8 25/04/2007
9 31/10/2006
10 09/12/2005
11 15/11/2005
12 15/11/2005
13 02/09/2005
14 26/04/2005
15 22/04/2005
16 02/03/2005
17 01/12/2004
18 23/11/2004
19 23/11/2004
20 19/08/2004
21 15/12/2003
22 01/09/2003
23 03/07/2003
Source : Zephyr
Boards & committees
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
16.
17.
18.
19.
20.
21.
22.
o KG. In August 2006, changed its name to Landesbank Berlin Holding AG.
Active
International Financial Repo
mil EUR
PricewaterhouseCoopers
Cons., Uncons. & Add. Cons
131,175 mil EUR

-79 mil EUR
2
47
Bank Holding & Holding Com


ock split/Dividend ratio.
012 (takeover by ERWERBSGESELLSCHAFT DER S-FINANZGRUPPE MBH & CO. KG)
RETURN INDEX
News
Deutscher Sparkassen- und Giroverband c
Landesbank Berlin Holding acquiring rema
Berlin-Hannoversche Hypothekenbank plan
Landesbank Berlin acquires consumer fina
DSGV increases stake in Landesbank Berli
Landesbank Berlin Holding stake sold to D
DSGV acquires stake in Landesbank Berlin
Gothaer Holding may have sold shares in L
NordLB sells stake in Landesbank Berlin H
WestLB acquires Weberbank (deal no. 153
Bankgesellschaft Berlin increases stake in
Bankgesellschaft Berlin may acquire more
Bankgesellschaft Berlin sells controlling sta
Possible privatisation of Berliner Sparkasse
Aberdeen Australia Equity Fund announces
Bankgesellschaft Berlin increases stake in
Bankgesellschaft Berlin acquires stake in M
Bankgesellschaft Berlin acquires remaining
Bankgesellschaft Berlin acquires remaining
Rumours of WestLB merger with four othe
Bankgesellschaft Berlin to sell LHI Leasing
GE Capital Corp completes acquisition of A
Bankgesellschaft Berlin raises stake in Fra
Name
Mr. Heinrich Haasis
P039254805
Mrs. Bärbel Wulff

P039455957
Mr. Hans Jörg Duppré

P039833981
Mr. Michael Dutschke
P072153140
Christina Förster
P039455960
Mr. Gerhard Grandke

P066209862
Mr. Artur Grzesiek
P059780521
Mrs. Sascha Händler
P039455956
Mr. Gerald Herrmann
P009168897
Mr. Claus Friedrich Holtmann

P094988702
Mr. Michael Jänichen
P039455961
Mr. Daniel Kasteel

P039455959
Mr. Thomas Mang
P129347865
Mr. Frank Meysel

P072153139
Mr. Wolfgang Pansegrau

P009168892
Mr. Helmut Schleweis

P039825657
Mr. Peter Schneider
P039456263
Mr. Friedrich Schubring-Giese
P039438623
Dr. Harald Vogelsang
P039456264
Mr. Frank Wolf
P039456262
Dr. Johannes Evers

P014298254
Mr. Martin K. Müller
P063830921
tive
ternational Financial Reporting Standards (IFRS)
l EUR
icewaterhouseCoopers
ons., Uncons. & Add. Cons.
1,175 mil EUR

9 mil EUR
nk Holding & Holding Companies

Rating Date
A 01/10/2012
A 01/10/2012
1,053,389,350
4,308,363
Ordinary Shares
Delisted
Delisted
Delisted
n.a.
Boerse Duesseldorf
Boerse Berlin
Boerse Frankfurt
Boerse Hamburg
Boerse Munchen
Boerse Stuttgart
11/28/1997
2012 2011
3.97 4.39
4.00 4.47
4.07 4.25
4.06 4.18
4.05 4.24
4.04 4.16
4.06 3.90
n.a. 3.66
n.a. 3.16
n.a. 3.20
n.a. 3.66
n.a. 3.92
assen- und Giroverband comnpletes squeeze-out of Landesbank Berlin (deal no. 1601364592)
n Holding acquiring remainder of Berlin-Hannoversche Hypothekenbank (deal no. 1601220425)
che Hypothekenbank planning capital increase (deal no. 1601220430)
n acquires consumer finance segment of BHW Bank (deal no. 608836)
stake in Landesbank Berlin Holding (deal no. 547149)
n Holding stake sold to DSGV (deal no. 95272)
ake in Landesbank Berlin Holding (deal no. 542331)
may have sold shares in Landesbank Berlin Holding (deal no. 533918)
e in Landesbank Berlin Holding to DekaBank (deal no. 328383)
Weberbank (deal no. 153953)
Berlin increases stake in MLP (deal no. 395139)
Berlin may acquire more shares in MLP (deal no. 395142)
Berlin sells controlling stake in Thesaurus GmbH & Co Fünfundzwanzigste Vermögensverwaltung KG (deal no. 375950)
tion of Berliner Sparkasse planned (deal no. 338860)
ia Equity Fund announces offering (deal no. 339304)
Berlin increases stake in Weberbank Privatbankiers to 100 per cent (deal no. 323151)
Berlin acquires stake in MLP (deal no. 299553)
Berlin acquires remaining shares in Bankgesellschaft Berlin Investment (deal no. 296965)
Berlin acquires remaining shares in BB Asset Management Vermögensverwaltung (deal no. 296992)
LB merger with four other Landesbanken (deal no. 272282)
Berlin to sell LHI Leasing stake (deal no. 213873)
completes acquisition of Allbank (deal no. 170779)
Berlin raises stake in France Growth Fund (deal no. 177226)
Original job title

- Chairman, Supervisory Board
- Member, Mediation Committee; Chairman, Audit, Personnel and Strateg
- Deputy Chairwoman, Supervisory Board (Employee representative)
- Member, Mediation Committee; Deputy Chairwoman, Audit, Personnel a

- Member, Supervisory Board
- Member, Supervisory Board (Employee representative) (since 09/06/20
- Member, Supervisory Board (Employee representative)
- Member, Mediation Committee

- Member, Supervisory Board (since 09/06/2009)
- Member, Audit, Personnel and Strategy Committee


- Member, Supervisory Board (since 15/06/2010)

- Member, Audit, Personnel and Strategy Committee (since 15/07/2010)
- Member, Mediation Committee

- Chairman of the Board of Management
- Member of the Board of Management (since 01/01/2011)

BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
Bankgesellschaft Berlin AG
Consolidation Code
Nickname
Source
Release Date
Model

World rank, 2011

World rank, rolling
Bank Holding Companies Europe (Excl. Eastern Europe)

178
ate Action/Direction
/10/2012
/10/2012
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
46,837.0
47,810.0
973.0
77,819.0
16,705.0
1,658.0
59,408.0
48.0
124,656.0
528.0
5,991.0
131,175.0
76,676.0
37,227.0
32,586.0
6,863.0
48,864.0
14,451.0
534.0
33,879.0
2,082.0
n.a.
1,235.0
2,318.0
131,175.0
2,778.0
973.0
35,336.0
685.0
4,926.0
700.0
1,588.0
Unqualified
Original
31/12/2011
12 months
mil EUR
951.0
456.0
89.0
-107.0
269.0
205.0
1,012.0
83.0
-271.0
41.0
120.0
-79.0
1,431.0
n.a.
12.40
9.81
4,211.0
3,330.0
68.0
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
1,878.0
2,408.0
n.a.
4,286.0
1,289.0
2,046.0
3,335.0
951.0
89.0
108.0
-107.0
n.a.
269.0
121.0
480.0
516.0
496.0
1,012.0
-24.0
395.0
83.0
230.0
82.0
n.a.
n.a.
n.a.
-41.0
n.a.
41.0
120.0
n.a.
-79.0
-191.0
n.a.
-1.0
-127.0
-398.0
4.0
-83.0
n.a.
n.a.
n.a.
18,207.0
n.a.
n.a.
29,603.0
973.0
46,837.0
47,810.0
2,778.0
455.0
16,705.0
n.a.
18,237.0
1,658.0
20,244.0
1,667.0
247.0
19,013.0
61,066.0
n.a.
n.a.
48.0
n.a.
n.a.
124,656.0
983.0
589.0
n.a.
528.0
591.0
94.0
35.0
668.0
n.a.
3,620.0
131,175.0
13,123.0
5,836.0
18,268.0
37,227.0
32,586.0
n.a.
6,863.0
76,676.0
31,591.0
1,588.0
n.a.
33,179.0
14,451.0
534.0
124,840.0
-14.0
n.a.
1,235.0
122.0
10.0
n.a.
n.a.
n.a.
1,964.0
128,157.0
700.0
n.a.
2,631.0
11.0
-324.0
0.0
n.a.
2,318.0
131,175.0
1,404.0
2,005.7
3.92
3.53
3.41
2.67
0.76
0.69
0.76
33.54
70.72
0.77
15.16
0.30
79.24
3.15
0.06
292.68
1.16
0.24
-3.03
-0.06
-15.27
-0.30
n.a.
-0.23
-1.17
4.13
5.91
1.09
9.81
12.40
n.a.
1.77
n.a.
n.a.
n.a.
-3.41
-0.23
2.89
5.81
2.04
35.03
77.87
0.17
0.14
5.81
128.43
51.26
33.72
n.a.
n.a.
760.0
83.0
4,083.0
n.a.
136,101.0
33,959.7
n.a.
33,959.7
47,959.8
125,807.0
131,626.4
n.a.
125,063.6
2,814.4
2,606.0
36,540.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,588.0
n.a.
-79.0
n.a.
-79.0
2,318.0
n.a.
n.a.
2,318.0
2,318.0
-14.0
0.0
591.0
94.0
215.0
0.0
0.0
1,404.0
601.7
0.0
2,005.7
601.7
n.a.
n.a.
n.a.
n.a.
1,878.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,289.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
20,244.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,667.0
n.a.
n.a.
n.a.
n.a.
n.a.
120.0
52.0
68.0
88.0
885.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,555.0
n.a.
-1.0
n.a.
n.a.
n.a.
11.0
2,307.0
2,318.0
-324.0
0.0
n.a.
n.a.
-324.0
n.a.
n.a.
n.a.
77.0
-247.0
n.a.
-247.0
n.a.
2,318.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
215.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
700.0
700.0
700.0
3,330.0
4,211.0
9.81
12.40
33,959.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
61,066.0
n.a.
61,066.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,650
n.a.
9.81
n.a.
12.40
n.a.
n.a.
n.a.
n.a.
n.a.
595.0
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2011
2.04
8.73
35.03
5.81
0.14
n.s.
119.85
77.87
9.81
12.40
1.77
4.95
3.02
1.83
3.51
9.83
6.01
3.64
34.48
0.76
0.72
0.35
0.83
0.24
-0.30
-0.06
-3.14
n.a.
n.a.
343.04
71.93
0.30
51.26
35.71
61.08
38.00
46.09
28.67
2010 2009
3.31 2.53
3.60 2.27
3.85 2.22
3.90 2.85
3.55 3.34
3.69 3.15
4.10 3.25
3.93 3.22
3.95 3.25
4.08 3.40
4.30 3.40
4.40 3.32
)
dit, Personnel and Strategy Committee
oyee representative)
woman, Audit, Personnel and Strategy Committee
entative) (since 09/06/2009)
entative)
9)
entative)
entative)
ittee
entative)
ittee
0)
ittee (since 15/07/2010)
entative)
ittee
1/01/2011)
DE15517
15517
Active
+49 (30) 245 500

+49 (30) 245 509
www.lbb-holding.de
C2
BGESELCI
Annual Report
8/7/2012
ALLBANKS
n
IFRS
Unqualified
Original
31/12/2010
12 months
mil EUR
45,452.0
46,468.0
1,016.0
80,250.0
16,708.0
1,182.0
62,301.0
59.0
125,702.0
550.0
5,225.0
131,477.0
79,250.0
36,092.0
32,840.0
10,318.0
46,341.0
12,516.0
420.0
33,405.0
1,972.0
n.a.
1,192.0
2,722.0
131,477.0
2,748.0
1,016.0
34,175.0
681.0
5,404.0
700.0
1,548.0
Unqualified
Original
31/12/2010
12 months
mil EUR
725.0
738.0
299.0
57.0
274.0
108.0
1,003.0
105.0
-38.0
317.0
52.0
265.0
1,455.0
n.a.
12.82
10.12
4,081.0
3,221.0
108.0
IFRS
Unqualified
Original
31/12/2010
12 months
mil EUR
1,848.0
2,326.0
n.a.
4,174.0
1,257.0
2,192.0
3,449.0
725.0
299.0
16.0
57.0
n.a.
274.0
84.0
730.0
551.0
452.0
1,003.0
8.0
460.0
105.0
27.0
328.0
n.a.
n.a.
n.a.
-11.0
n.a.
317.0
52.0
n.a.
265.0
49.0
n.a.
0.0
27.0
341.0
-2.0
267.0
n.a.
n.a.
n.a.
16,651.0
n.a.
n.a.
29,817.0
1,016.0
45,452.0
46,468.0
2,748.0
508.0
16,708.0
n.a.
17,198.0
1,182.0
18,939.0
1,664.0
90.0
24,410.0
63,483.0
n.a.
n.a.
59.0
n.a.
n.a.
125,702.0
830.0
561.0
n.a.
550.0
591.0
90.0
55.0
720.0
12.0
2,927.0
131,477.0
13,421.0
6,059.0
16,612.0
36,092.0
32,840.0
n.a.
10,318.0
79,250.0
31,157.0
1,548.0
n.a.
32,705.0
12,516.0
420.0
124,891.0
-47.0
n.a.
1,192.0
120.0
15.0
n.a.
n.a.
n.a.
1,884.0
128,055.0
700.0
n.a.
2,890.0
12.0
-181.0
1.0
n.a.
2,722.0
131,477.0
1,662.0
2,362.0
3.86
3.60
3.09
2.56
0.54
0.46
0.54
50.17
68.93
0.71
17.07
0.32
28.70
12.17
0.23
16.40
1.45
1.03
9.83
0.19
12.65
0.24
n.a.
0.83
1.07
5.22
7.42
1.31
10.12
12.82
n.a.
2.07
n.a.
n.a.
n.a.
9.74
-8.59
-4.37
5.91
2.19
36.97
63.63
0.22
0.23
5.91
128.75
50.88
32.12
n.a.
n.a.
827.0
16.0
4,561.0
n.a.
136,881.0
31,833.0
n.a.
31,833.0
47,873.6
135,287.2
141,573.2
n.a.
134,598.4
2,774.4
2,695.2
34,884.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,548.0
n.a.
265.0
n.a.
265.0
2,722.0
n.a.
n.a.
2,722.0
2,722.0
-47.0
0.0
591.0
90.0
332.0
0.0
0.0
1,662.0
700.0
0.0
2,362.0
712.3
n.a.
n.a.
n.a.
n.a.
1,848.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,257.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
18,939.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,664.0
n.a.
n.a.
n.a.
n.a.
n.a.
171.0
63.0
108.0
110.0
906.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,555.0
n.a.
258.0
n.a.
n.a.
n.a.
12.0
2,710.0
2,722.0
181.0
1.0
n.a.
n.a.
182.0
n.a.
n.a.
n.a.
77.0
259.0
n.a.
259.0
n.a.
2,722.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
332.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
700.0
700.0
700.0
3,221.0
4,081.0
10.12
12.82
31,833.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
63,483.0
n.a.
63,483.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,717
n.a.
10.12
n.a.
12.82
n.a.
n.a.
n.a.
n.a.
n.a.
463.0
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2010
2.19
14.48
36.97
5.91
0.23
29.19
100.96
63.63
10.12
12.82
2.07
5.99
3.44
2.15
3.78
10.94
6.27
3.93
31.15
0.55
0.53
0.54
0.81
0.26
-0.07
0.19
9.75
n.a.
n.a.
-14.34
68.56
0.33
50.88
34.57
57.35
36.85
43.12
27.71
2008
5.93
5.96
5.92
5.95
5.43
5.22
4.62
4.06
3.51
2.96
2.49
2.90
Body
SupB
AudC, OthBC
SupB
AudC, OthBC
SupB
SupB
SupB
OthBC
SupB
SupB
SupB
SupB
SupB
SupB
AudC, OthBC
SupB
SupB
AudC, OthBC
SupB
SupB
SupB
AudC, OthBC
SupB
OthBC
SupB
SupB
SupB
AudC, OthBC
ExeB
ExeB
Outlook Watch
Stable
IFRS
Unqualified
Original
31/12/2009
12 months
mil EUR
47,512.0
48,592.0
1,080.0
89,873.0
22,425.0
983.0
66,379.0
86.0
137,385.0
569.0
5,881.0
143,835.0
86,821.0
35,129.0
41,370.0
10,322.0
50,856.0
13,128.0
507.0
37,221.0
2,232.0
n.a.
1,214.0
2,712.0
143,835.0
3,040.7
1,080.0
40,732.0
654.0
5,671.0
700.0
1,844.0
Unqualified
Original
31/12/2009
12 months
mil EUR
862.0
725.0
532.0
-69.0
262.0
0.0
985.0
185.0
-88.0
329.0
64.0
265.0
1,601.0
n.a.
11.79
8.50
4,259.0
3,073.0
-21.0
IFRS
Unqualified
Original
31/12/2009
12 months
mil EUR
2,281.0
2,405.0
n.a.
4,686.0
1,926.0
1,898.0
3,824.0
862.0
532.0
-27.0
-69.0
n.a.
262.0
41.0
739.0
537.0
448.0
985.0
-14.0
602.0
185.0
n.a.
417.0
n.a.
n.a.
8.0
-80.0
n.a.
329.0
64.0
n.a.
265.0
616.0
n.a.
10.0
-33.0
858.0
15.0
250.0
n.a.
n.a.
n.a.
15,942.0
n.a.
n.a.
32,650.0
1,080.0
47,512.0
48,592.0
3,040.7
949.0
22,425.0
n.a.
17,586.0
983.0
15,229.0
1,661.0
106.0
31,797.0
67,362.0
n.a.
n.a.
86.0
n.a.
n.a.
137,385.0
1,342.0
621.0
n.a.
569.0
591.0
63.0
34.0
795.0
13.0
3,043.0
143,835.0
12,565.0
6,164.0
16,400.0
35,129.0
41,370.0
n.a.
10,322.0
86,821.0
34,677.0
1,844.0
n.a.
36,521.0
13,128.0
507.0
136,977.0
-32.0
n.a.
1,214.0
136.0
15.0
n.a.
n.a.
n.a.
2,113.0
140,423.0
700.0
n.a.
2,762.0
138.0
-189.0
1.0
n.a.
2,712.0
143,835.0
1,659.0
2,359.0
4.75
5.69
3.35
2.72
0.62
0.48
0.62
46.16
61.52
0.67
25.49
0.41
30.73
17.66
0.28
19.45
1.67
1.15
11.22
0.18
36.33
0.58
n.a.
0.73
2.37
4.59
6.53
1.21
8.50
11.79
n.a.
1.89
n.a.
n.a.
n.a.
9.77
-1.07
2.38
6.26
2.22
35.52
72.30
0.39
-0.04
6.26
138.32
54.21
28.36
n.a.
n.a.
961.0
3.0
4,707.0
n.a.
149,506.0
36,137.0
n.a.
36,137.0
48,000.6
140,011.4
147,391.6
n.a.
140,668.2
2,574.0
2,361.4
33,875.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,844.0
n.a.
265.0
n.a.
265.0
2,712.0
n.a.
n.a.
2,712.0
2,712.0
-70.0
0.0
591.0
63.0
329.0
0.0
0.0
1,659.0
700.0
0.0
2,359.0
711.0
n.a.
n.a.
n.a.
n.a.
2,281.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,926.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
15,229.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,661.0
n.a.
n.a.
n.a.
n.a.
n.a.
31.0
52.0
-21.0
135.0
945.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,555.0
n.a.
137.0
n.a.
n.a.
n.a.
138.0
2,574.0
2,712.0
-196.0
1.0
n.a.
n.a.
-195.0
n.a.
n.a.
n.a.
77.0
-118.0
n.a.
-118.0
n.a.
2,712.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
329.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
700.0
700.0
700.0
3,073.0
4,259.0
8.50
11.79
36,137.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
67,362.0
n.a.
67,362.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,751
n.a.
8.50
n.a.
11.79
n.a.
n.a.
n.a.
n.a.
n.a.
916.0
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2009
2.22
21.46
35.52
6.26
-0.04
-4.67
112.12
72.30
8.50
11.79
1.89
5.71
3.12
1.96
3.65
11.06
6.05
3.79
35.08
0.63
0.60
0.50
0.81
0.29
-0.11
0.18
11.34
n.a.
n.a.
-33.21
62.07
0.42
54.21
33.03
54.72
35.16
46.92
30.14
2007
7.10
7.55
7.05
6.83
6.65
6.13
6.39
6.67
6.76
6.78
5.97
6.37
8/1/2012
4.09
4.12
3.86
8/1/2012
0.49
0.99
0.99
1.24
-0.74
5.96
6.51
0.02
-0.01
0.04
0.12
-0.05
0.04
0.01
-0.01
0.02
0.06
-0.08
0.02
0.01
-0.01
0.05
0.05
-0.03
0.05
0.02
-0.01
0.02
0.11
-0.05
0.02
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.26
0.04
0.04
0.03
0.03
Source
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
IFRS
Unqualified
Original
31/12/2008
12 months
mil EUR
46,235.0
47,462.0
1,227.0
92,095.0
22,351.0
749.0
68,859.0
136.0
138,330.0
578.0
6,480.0
145,388.0
81,022.0
29,742.0
45,950.0
5,330.0
59,089.0
14,489.0
335.0
44,265.0
2,147.0
n.a.
1,168.0
1,962.0
145,388.0
2,760.6
1,227.0
42,373.0
650.0
5,963.0
687.0
2,450.0
Unqualified
Original
31/12/2008
12 months
mil EUR
1,247.0
-340.0
84.0
-446.0
302.0
-280.0
940.0
63.0
105.0
9.0
-35.0
44.0
925.0
n.a.
10.96
7.76
4,511.0
3,196.0
n.a.
IFRS
Unqualified
Original
31/12/2008
12 months
mil EUR
3,578.0
3,341.0
n.a.
6,919.0
4,015.0
1,657.0
5,672.0
1,247.0
84.0
-401.0
-446.0
n.a.
302.0
139.0
-322.0
492.0
448.0
940.0
-18.0
-33.0
63.0
n.a.
-96.0
n.a.
n.a.
-12.0
93.0
n.a.
9.0
-35.0
n.a.
44.0
-482.0
n.a.
-7.0
n.a.
-445.0
12.0
32.0
n.a.
n.a.
15,248.0
n.a.
n.a.
n.a.
32,214.0
1,227.0
46,235.0
47,462.0
2,760.6
n.a.
22,351.0
n.a.
18,295.0
749.0
6,199.0
1,325.0
100.0
42,940.0
69,608.0
n.a.
n.a.
65.0
n.a.
71.0
138,330.0
1,727.0
n.a.
n.a.
578.0
592.0
58.0
99.0
930.0
n.a.
3,074.0
145,388.0
20,919.0
7,510.0
1,313.0
29,742.0
45,950.0
n.a.
5,330.0
81,022.0
41,128.0
2,450.0
n.a.
43,578.0
14,489.0
335.0
139,424.0
-41.0
n.a.
1,168.0
157.0
33.0
n.a.
83.0
n.a.
1,915.0
142,739.0
687.0
n.a.
2,555.0
80.0
-664.0
-9.0
n.a.
1,962.0
145,388.0
913.0
1,304.3
7.52
13.23
5.09
4.09
0.92
0.87
0.92
-34.81
101.62
0.65
-1.47
-0.02
-190.91
-4.29
-0.07
-388.89
-0.08
-0.23
1.96
0.03
-19.87
-0.31
n.a.
0.11
-1.08
2.22
3.17
0.66
7.76
10.96
n.a.
1.35
n.a.
n.a.
n.a.
2.24
2.28
0.98
5.82
2.59
44.45
78.17
0.13
n.a.
5.82
159.58
48.64
23.81
n.a.
n.a.
2,220.0
n.a.
3,743.0
0.0
151,351.0
41,150.0
n.a.
41,150.0
47,570.6
135,956.4
144,760.4
n.a.
138,831.2
2,589.0
2,239.6
30,343.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,450.0
n.a.
44.0
n.a.
44.0
1,962.0
n.a.
n.a.
n.a.
1,962.0
-41.0
0.0
592.0
58.0
358.0
0.0
0.0
913.0
391.3
0.0
1,304.3
391.3
n.a.
n.a.
n.a.
n.a.
3,578.0
n.a.
n.a.
n.a.
n.a.
n.a.
4,015.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,056.0
n.a.
n.a.
n.a.
n.a.
515.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,571.0
5,935.0
n.a.
n.a.
n.a.
n.a.
162.0
n.a.
6,199.0
42,940.0
n.a.
n.a.
n.a.
n.a.
1,325.0
n.a.
n.a.
n.a.
n.a.
677.0
n.a.
n.a.
n.a.
1,227.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,555.0
n.a.
-120.0
44.0
n.a.
n.a.
80.0
1,882.0
1,962.0
-664.0
n.a.
n.a.
n.a.
-664.0
n.a.
n.a.
n.a.
67.0
-597.0
n.a.
-597.0
n.a.
1,962.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
358.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
700.0
700.0
700.0
3,196.0
4,511.0
7.76
10.96
41,150.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
69,608.0
n.a.
69,608.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
5,999
n.a.
7.76
n.a.
10.96
n.a.
n.a.
n.a.
n.a.
n.a.
1,272.0
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2008
2.59
5.05
44.45
5.82
n.a.
n.a.
140.70
78.17
7.76
10.96
1.35
4.24
2.42
1.40
3.51
11.03
6.29
3.64
48.05
0.92
0.87
-0.24
0.70
-0.07
0.10
0.03
1.84
n.a.
n.a.
238.64
103.64
-0.02
48.64
31.80
57.07
33.76
52.30
30.94
2006
3.92
4.86
4.91
4.76
4.35
4.45
4.56
4.74
5.93
5.99
7.10
7.96
IFRS IFRS IFRS
Audited Unqualified Unqualified
Original Restated Original
31/12/2007 31/12/2006 31/12/2005
45,601.0 49,092.0 51,915.0

47,003.0 50,904.0 56,227.0
1,402.0 1,812.0 4,312.0
88,106.0 84,093.0 85,030.0
26,505.0 28,344.0 27,601.0
6,347.0 7,470.0 11,378.0
55,106.0 47,811.0 45,717.0
148.0 468.0 334.0
133,707.0 133,185.0 136,945.0
583.0 613.0 854.0
7,857.0 7,827.0 6,721.0
142,147.0 141,625.0 144,520.0
80,238.0 77,302.0 74,417.0

29,552.0 28,367.0 32,407.0
50,686.0 48,935.0 42,010.0
n.a. n.a. n.a.
56,558.0 58,210.0 62,770.0
7,948.0 8,836.0 12,819.0
811.0 471.0 n.a.
47,799.0 48,903.0 49,951.0
1,250.0 2,026.0 2,561.0
n.a. n.a. n.a.
1,270.0 1,463.0 1,821.0
2,831.0 2,624.0 2,951.0
142,147.0 141,625.0 144,520.0
4,639.6 6,000.0 9,100.0

1,402.0 1,812.0 4,312.0
31,772.0 33,773.0 33,927.0
665.0 650.0 657.0
9,860.0 6,037.0 4,455.0
704.0 700.0 n.a.

2,459.0 2,628.0 2,768.0

31/12/2007 31/12/2006 31/12/2005
815.0 743.0 889.0
348.0 673.0 639.0
-370.0 -326.0 266.0
328.0 515.0 -138.0
297.0 368.0 322.0
93.0 116.0 189.0
965.0 1,115.0 1,112.0
-53.0 118.0 192.0
40.0 601.0 20.0
291.0 784.0 244.0
71.0 97.0 -11.0
220.0 687.0 255.0
1,118.0 1,397.0 1,528.0
n.a. n.a. n.a.
10.20 10.60 11.60

6.70 7.20 8.10
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
3,205.0 3,559.0 3,955.0

3,005.0 1,976.0 1,208.0
n.a. n.a. n.a.
6,210.0 5,535.0 5,163.0
3,807.0 3,531.0 n.a.

1,588.0 1,261.0 4,274.0
5,395.0 4,792.0 4,274.0
815.0 743.0 889.0
-370.0 -326.0 266.0

-4.0 50.0 59.0
328.0 515.0 -138.0
n.a. n.a. n.a.
297.0 368.0 322.0
52.0 47.0 130.0
303.0 654.0 639.0
511.0 589.0 572.0
454.0 526.0 540.0
965.0 1,115.0 1,112.0
45.0 19.0 n.a.

198.0 301.0 416.0
-53.0 118.0 192.0
n.a. n.a. n.a.
251.0 183.0 224.0
n.a. n.a. n.a.

0.0 452.0 89.0
-6.0 -35.0 69.0
n.a. n.a. n.a.
34.0 114.0 n.a.
291.0 784.0 244.0
71.0 97.0 -11.0
n.a. n.a. n.a.
220.0 687.0 255.0
-319.0 -154.0 291.0

n.a. n.a. n.a.
-3.0 1.0 n.a.
n.a. n.a. n.a.
-102.0 534.0 546.0
19.0 25.0 7.0
201.0 662.0 248.0
n.a. n.a. n.a.
n.a. n.a. n.a.
16,353.0 17,150.0 19,739.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
30,650.0 33,754.0 36,488.0
1,402.0 1,812.0 4,312.0
45,601.0 49,092.0 51,915.0
47,003.0 50,904.0 56,227.0
4,639.6 6,000.0 9,100.0
n.a. n.a. n.a.
26,505.0 28,344.0 27,601.0

n.a. n.a. n.a.
4,281.0 4,474.0 5,047.0
6,347.0 7,470.0 11,378.0
45,186.0 38,976.0 40,265.0
5,341.0 4,275.0 n.a.
298.0 86.0 405.0
n.a. n.a. n.a.
61,453.0 55,281.0 57,095.0
n.a. n.a. 8,369.0
n.a. n.a. n.a.
82.0 83.0 197.0
n.a. n.a. n.a.
66.0 385.0 137.0
133,707.0 133,185.0 136,945.0
986.0 955.0 1,279.0

n.a. n.a. n.a.
n.a. n.a. n.a.
583.0 613.0 854.0
595.0 571.0 570.0
70.0 79.0 87.0
85.0 128.0 119.0
800.0 798.0 766.0
n.a. n.a. n.a.
5,321.0 5,296.0 3,900.0
142,147.0 141,625.0 144,520.0
21,261.0 20,110.0 32,407.0

7,033.0 6,942.0 n.a.
1,258.0 1,315.0 n.a.
29,552.0 28,367.0 32,407.0
50,686.0 48,935.0 42,010.0
n.a. n.a. n.a.
n.a. n.a. n.a.
80,238.0 77,302.0 74,417.0
44,636.0 45,575.0 47,183.0
2,459.0 2,628.0 2,768.0
n.a. n.a. n.a.
47,095.0 48,203.0 49,951.0
7,948.0 8,836.0 12,819.0
811.0 471.0 n.a.
136,092.0 134,812.0 137,187.0
n.a. n.a. n.a.

n.a. n.a. n.a.
1,270.0 1,463.0 1,821.0
199.0 167.0 144.0
32.0 73.0 94.0
n.a. n.a. n.a.
1.0 8.0 100.0
n.a. n.a. n.a.
1,018.0 1,778.0 2,223.0
138,612.0 138,301.0 141,569.0
704.0 700.0 n.a.

n.a. n.a. 1,100.0
2,601.0 2,389.0 1,524.0

414.0 97.0 36.0
-182.0 137.0 291.0
n.a. n.a. n.a.
-2.0 1.0 0.0
2,831.0 2,624.0 1,851.0
142,147.0 141,625.0 144,520.0
n.a. n.a. n.a.
n.a. n.a. n.a.
6.63 6.79 6.94

12.96 12.09 n.a.
4.68 4.15 3.97
4.03 3.64 3.30
0.61 0.56 0.68
0.65 0.47 0.54
0.61 0.56 0.68
27.10 46.81 41.82

86.31 79.81 72.77
0.69 0.79 0.81
6.96 14.56 21.85
0.14 0.21 0.30
-26.77 39.20 46.15
8.82 8.85 11.76
0.18 0.13 0.16
24.40 12.37 -4.51
0.39 0.67 1.02
0.50 0.41 0.55
7.74 33.22 13.39

0.16 0.48 0.19
-3.59 25.82 28.68
-0.07 0.38 0.40
n.a. n.a. n.a.
0.44 1.53 0.62
-0.20 1.19 1.33
n.a. n.a. n.a.
n.a. n.a. n.a.
1.33 1.25 0.68
6.70 7.20 8.10
10.20 10.60 11.60
n.a. n.a. n.a.
1.99 1.85 1.28
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
7.77 26.18 13.78
0.37 -2.00 10.91

-7.66 -9.47 -2.60
9.87 11.79 16.18
2.98 3.56 7.67
30.22 30.20 47.38
114.36 159.60 258.67
-0.11 0.23 0.34
n.a. n.a. n.a.
9.87 11.79 16.18
159.05 179.45 173.50

52.29 57.92 65.70
23.06 22.52 26.06
n.a. n.a. n.a.

n.a. n.a. n.a.
4,399.0 1,402.0 2,194.0
n.a. n.a. n.a.
5,402.0 4,606.0 2,261.0
59.0 29.0 n.a.
152,007.0 147,662.0 148,975.0
50,491.0 44,901.0 40,924.0
n.a. n.a. n.a.
50,491.0 44,901.0 40,924.0
48,364.8 52,384.8 56,977.0

132,718.2 133,307.2 130,036.0
140,861.4 141,867.6 137,411.0
n.a. n.a. n.a.
134,036.2 131,496.0 129,634.0
2,542.4 1,822.0 1,727.0
2,844.2 2,067.8 1,904.0
29,376.2 29,208.6 33,758.0
9,535.0 10,117.0 10,782.0

6,194.0 6,340.0 3,956.0
14,578.0 17,908.0 15,094.0
16,696.0 16,539.0 26,395.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
14,545.0 12,130.0 14,025.0

6,340.0 9,429.0 5,327.0
4,197.0 5,477.0 6,773.0
1,432.0 1,321.0 1,489.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
18,714.0 17,683.0 21,575.0

864.0 1,509.0 1,521.0
9,974.0 9,175.0 9,311.0
n.a. n.a. n.a.
42,287.0 33,936.0 30,834.0

4,371.0 9,495.0 4,857.0
4,028.0 5,504.0 6,319.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,459.0 2,628.0 2,768.0
n.a. n.a. n.a.
220.0 687.0 255.0

n.a. n.a. n.a.
n.a. n.a. n.a.
2,831.0 2,624.0 1,851.0

n.a. n.a. 1,100.0
n.a. n.a. n.a.
n.a. n.a. n.a.
2,831.0 2,624.0 1,851.0

n.a. n.a. n.a.
n.a. n.a. n.a.
595.0 571.0 570.0
70.0 79.0 87.0
294.0 209.0 211.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
700.0 700.0 1,100.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,205.0 3,559.0 3,955.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,807.0 3,531.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,713.0 2,620.0 2,321.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,568.0 1,854.0 2,724.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 0.0 2.0
4,281.0 4,474.0 5,047.0
44,763.0 38,464.0 31,373.0
n.a. n.a. 8,369.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
423.0 512.0 523.0
n.a. n.a. n.a.
45,186.0 38,976.0 40,265.0
5,341.0 4,275.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
5,341.0 4,275.0 n.a.
n.a. n.a. 8,369.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,991.0 2,366.0 3,249.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
125.0 136.0 n.a.

1,286.0 1,689.0 4,325.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
2,554.0 2,554.0 2,199.0

77.0 77.0 n.a.
-30.0 -242.0 -605.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 0.0 70.0
414.0 97.0 36.0
2,417.0 2,527.0 1,815.0
2,831.0 2,389.0 1,524.0
-182.0 137.0 291.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
-182.0 137.0 291.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
-182.0 137.0 291.0
n.a. n.a. n.a.
-182.0 137.0 291.0
n.a. n.a. 1,100.0
2,831.0 2,624.0 2,951.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
294.0 209.0 211.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
700.0 700.0 1,100.0
700.0 700.0 1,100.0
700.0 700.0 1,100.0

n.a. n.a. n.a.
n.a. n.a. n.a.
6.70 7.20 8.10
10.20 10.60 11.60
50,491.0 44,901.0 40,924.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
61,453.0 55,281.0 57,095.0
n.a. n.a. n.a.
61,453.0 55,281.0 57,095.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
5,965 5,960 8,459

n.a. n.a. n.a.
6.70 7.20 8.10
n.a. n.a. n.a.
10.20 10.60 11.60
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
483.0 535.0 725.0
n.a. n.a. n.a.
n.a. n.a. 545.0
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
2.98 3.56 7.67

-6.50 15.88 21.60
30.22 30.20 47.39
9.87 11.79 16.18
n.a. n.a. n.a.
n.a. n.a. n.a.
163.89 228.66 308.37
114.36 159.60 162.25
6.70 7.20 8.10

10.20 10.60 11.60
1.99 1.85 2.04
6.21 5.35 5.68
3.53 3.39 3.97
2.08 1.93 2.13
4.22 4.20 3.96
13.14 12.12 11.02
7.47 7.70 7.69
4.40 4.39 4.12
41.02 44.15 48.40
0.61 0.55 0.68
0.57 0.52 0.65
0.25 0.47 0.47
0.64 0.86 0.95
0.18 0.13 0.16
-0.02 0.35 0.02
0.16 0.48 0.19
8.07 24.65 8.49
n.a. n.a. n.a.
n.a. n.a. n.a.
18.18 87.48 7.84
82.98 78.74 72.78
0.14 0.21 0.30
52.29 57.92 65.70

32.08 34.66 35.92
56.83 63.51 69.76
34.12 37.14 38.62
39.60 43.69 45.59
23.78 25.55 25.24
2005
2.02
2.34
2.70
2.89
2.99
2.87
2.88
3.31
2.99
2.93
3.14
2.99
IFRS
Audited
Original
31/12/2004
12 months
mil EUR
52,843.0
57,727.0
4,884.0
70,284.0
25,923.0
3,309.0
40,788.0
264.0
123,127.0
956.0
6,219.0
130,302.0
71,947.0
35,109.0
36,838.0
n.a.
50,134.0
3,295.0
n.a.
46,839.0
3,369.0
n.a.
1,795.0
3,057.0
130,302.0
n.a.
4,884.0
33,551.0
670.0
5,558.0
n.a.
2,749.0
Audited
Original
31/12/2004
12 months
mil EUR
915.0
582.0
102.0
0.0
308.0
172.0
1,140.0
255.0
-27.0
75.0
-33.0
108.0
1,497.0
n.a.
11.10
7.50
n.a.
n.a.
n.a.
IFRS
Audited
Original
31/12/2004
12 months
mil EUR
3,929.0
1,134.0
n.a.
5,063.0
n.a.
4,148.0
4,148.0
915.0
102.0
50.0
0.0
n.a.
308.0
122.0
582.0
573.0
567.0
1,140.0
n.a.
357.0
255.0
n.a.
102.0
n.a.
0.0
27.0
n.a.
n.a.
75.0
-33.0
n.a.
108.0
0.0
n.a.
n.a.
n.a.
108.0
16.0
92.0
n.a.
n.a.
19,939.0
n.a.
n.a.
n.a.
37,788.0
4,884.0
52,843.0
57,727.0
n.a.
n.a.
25,923.0
n.a.
6,325.0
3,309.0
34,073.0
n.a.
390.0
n.a.
44,097.0
4,182.0
n.a.
264.0
n.a.
0.0
123,127.0
1,303.0
n.a.
n.a.
956.0
570.0
100.0
62.0
353.0
n.a.
3,831.0
130,302.0
35,109.0
n.a.
n.a.
35,109.0
36,838.0
n.a.
n.a.
71,947.0
44,090.0
2,749.0
n.a.
46,839.0
3,295.0
n.a.
122,081.0
0.0
n.a.
1,795.0
94.0
52.0
n.a.
59.0
n.a.
3,164.0
127,245.0
n.a.
1,100.0
1,930.0
27.0
0.0
n.a.
0.0
1,957.0
130,302.0
n.a.
n.a.
6.81
n.a.
4.11
3.40
0.74
0.54
0.74
38.88
76.15
0.87
18.24
0.27
71.43
5.21
0.08
-44.00
0.86
0.24
5.52
0.08
5.52
0.08
n.a.
0.26
0.26
n.a.
n.a.
0.92
7.50
11.10
n.a.
1.50
n.a.
n.a.
n.a.
5.52
n.a.
n.a.
n.a.
8.46
n.a.
n.a.
0.44
n.a.
n.a.
164.42
70.37
29.56
n.a.
n.a.
2,827.0
n.a.
2,731.0
n.a.
135,860.0
41,691.0
n.a.
41,691.0
57,727.0
123,127.0
130,302.0
n.a.
122,081.0
1,930.0
1,957.0
35,109.0
11,473.0
3,384.0
17,976.0
24,894.0
n.a.
n.a.
n.a.
n.a.
12,250.0
5,226.0
6,013.0
2,434.0
n.a.
n.a.
n.a.
n.a.
22,039.0
3,461.0
9,609.0
n.a.
23,318.0
5,359.0
8,161.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,749.0
n.a.
108.0
n.a.
n.a.
1,957.0
1,100.0
n.a.
n.a.
1,957.0
0.0
n.a.
570.0
100.0
96.0
n.a.
n.a.
n.a.
1,100.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,929.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,455.0
n.a.
n.a.
n.a.
n.a.
3,774.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
96.0
6,325.0
29,633.0
4,182.0
n.a.
n.a.
n.a.
258.0
0.0
34,073.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,182.0
n.a.
n.a.
n.a.
4,128.0
n.a.
n.a.
n.a.
130.0
4,349.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,135.0
n.a.
-135.0
n.a.
n.a.
70.0
27.0
1,930.0
1,930.0
0.0
n.a.
n.a.
n.a.
0.0
n.a.
n.a.
n.a.
n.a.
0.0
n.a.
0.0
1,100.0
3,057.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
96.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,100.0
1,100.0
1,100.0
n.a.
n.a.
7.50
11.10
41,691.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
44,097.0
n.a.
44,097.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
9,120
n.a.
7.50
n.a.
11.10
n.a.
n.a.
n.a.
n.a.
n.a.
784.0
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2004
8.46
27.87
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
7.50
11.10
2.35
5.79
4.25
2.46
4.46
10.99
8.07
4.66
47.35
0.74
0.70
0.45
1.07
0.08
0.01
0.08
3.53
n.a.
n.a.
-25.00
76.15
0.27
70.37
40.55
73.45
44.28
46.63
28.12
DekaBank Deutsche Girozentrale
60325 FRANKFURT AM MAIN 1
GERMANY
Contact details
MAINZER LANDSTRASSE 16
60325 FRANKFURT AM MAIN 1
GERMANY
Formerly known as
Bank History :
Established in 1918. In December 1998, Deutsche Girozentrale - Deutsche Kommunalbank absorbed Dekabank GmbH and its nam
Status
Name of the Auditor
Latest total assets

Latest net income
Specialisation
Peer Group
Peer Group Name

Size
EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income

Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities

Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
Date
1 14/03/2011
2 17/03/2010
3 17/03/2010
4 05/10/2009
5 03/10/2009
6 18/12/2008
7 02/03/2008
8 31/05/2007
9 31/10/2006
10 24/01/2005
11 03/12/2003
12 07/11/2003
13 09/07/2003
14 16/06/2003
Source : Zephyr

Boards & committees
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
Management & staff
1.
2.
3.
4.
abank GmbH and its name changed to DGZ-DekaBank Deutsche Kommunalbank. In July 2002, changed its name to DekaBank Deutsche Giroze
Active
mil EUR
PricewaterhouseCoopers AG
133,738 mil EUR

261 mil EUR
21
556


Rating
A
A
News
Rheinischer Sparkassen to up stake in DekaBank (deal no. 1601255015
WestLB may reduce stake in DekaBank (deal no. 1601169056)
NordLB may reduce stake in DekaBank (deal no. 1601169061)
LBBW may sell stake in DekaBank (deal no. 1601120266)
State banks may sell stakes in DekaBank (deal no. 1601119696)
Allianz Global Investors and DekaBank form joint venture (deal no. 656
DeKaBank and Landesbank Berlin merger rumours denied (deal no. 622
DSGV acquires stake in Landesbank Berlin Holding (deal no. 542331)
NordLB sells stake in Landesbank Berlin Holding to DekaBank (deal no.
DekaBank may sell stake in HVB (deal no. 311903)
DekaBank to increase Westinvest stake (deal no. 210502)
Dekabank to increase local investment in Chile (deal no. 204245)
13 German banks to form loan securitisation joint venture (deal no. 163
Landesbank Rheinland-Pfalz and Deka-Bank merger may fail (deal no. 1
Michael Dörr -
P123453273
-
Mr. Franz Sales Waas -
P094998420
Dr. Stephan Articus -
P001446579
Mr. Oliver K. Barndt -

P123453272
Mr. Oliver Markus Behrens -
P007413182
Dr. Matthias Danne -
P039588552
Mr. Walter Groll -
P130013751
Mr. Hans-Jürgen Gustenberger -
P014290886
Prof. Dr. Hans Günter Henneke -
P123440918
Mr. Manfred Karg -

P039457568
Mr. Osvin Noller -
P123453271
Dr.h.c. Friedrich Oelrich -
P039374385
Roland Schäfer -
P123440919
Heike Schillo -
P123440920
Mr. Thomas Christian Schulz -

P057330216
Dr. Rolf Gerlach -
P100608063
-
Mr. Hans-Jörg Vetter -
P009982195
-
Mr. Thomas Mang -
P039456259 -
Mr. Helmut Schleweis -

P039825657 -
Mr. Dietrich Voigtländer -

P039557875 -
Mr. Heinrich Haasis -
P129348122
Dr. Stephan-Andreas Kaulvers -

P014295488
Mr. Hans-Dieter Brenner -

P001770697
Mr. Klemens Breuer -

P039557876
Mr. Michael Breuer -

P039557886
Mr. Thomas Christian Buchbinder -

P001926856
Dr. Gunter Dunkel -
P014295490
Dr. Johannes Evers -

P014298254
Mr. Gerhard Grandke -

P068766971
Mr. Gerd Häusler -

P073450009
Mr. Reinhard Henseler -

P129349353
Mr. Michael Horn -

P001065379
Mrs. Beate Läsch-Weber -

P039833855
Mr. Herald Menzel -

P039826928
Mr. Hans-Werner Sander -

P103307405
Mr. Peter Schneider -

P039456263
Dr. Harald Vogelsang -

P129662635
Mr. Constantin von Oesterreich -

P033256868
Mr. Theo Zellner -
P123440917

Mr. Oliver K. Barndt -
P123453272
Mr. Manfred Karg -
P039457568
Mr. Osvin Noller -
P123453271
Mr. Thomas Christian Schulz -
P057330216
BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
DGZ - DekaBank Deutsche Kommunalbank
ekaBank Deutsche Girozentrale.

Consolidation Code
Source
Release Date
Model

World rank, 2011

World rank, rolling
t Institution

114
01/10/2012
01/10/2012
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
31,603.0
31,906.1
303.1
101,081.9
39,596.7
22,530.4
37,735.3
1,219.5
132,684.9
35.6
1,017.1
133,737.6
58,345.5
24,417.1
32,870.1
1,058.3
70,832.0
30,746.8
14,331.2
25,754.0
1,006.5
n.a.
213.4
3,340.2
133,737.6
655.5
303.1
74,402.7
112.1
2,132.2
130.4
1,404.3
Unqualified
Original
31/12/2011
12 months
mil EUR
274.0
1,264.4
437.8
-212.0
976.5
62.1
966.1
198.6
-54.9
318.8
58.1
260.7
1,537.8
28.6
15.60
11.60
3,922.9
2,908.4
34.1
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
1,518.8
1,541.5
n.a.
3,060.3
n.a.
2,786.3
2,786.3
274.0
437.8
-0.1
-212.0
n.a.
976.5
61.6
1,263.8
367.7
598.4
966.1
0.6
572.3
198.6
-2.9
376.6
n.a.
n.a.
n.a.
n.a.
-57.8
318.8
58.1
n.a.
260.7
-7.7
n.a.
1.3
n.a.
254.3
n.a.
260.7
28.6
n.a.
n.a.
n.a.
n.a.
n.a.
31,906.1
303.1
31,603.0
31,906.1
655.5
n.a.
39,596.7
n.a.
34,437.8
22,530.4
0.3
3,267.6
29.6
n.a.
60,265.7
n.a.
n.a.
n.a.
n.a.
1,219.5
132,684.9
368.2
n.a.
n.a.
35.6
53.1
59.0
211.3
46.7
n.a.
278.8
133,737.6
24,417.1
n.a.
n.a.
24,417.1
32,870.1
n.a.
1,058.3
58,345.5
24,219.3
1,404.3
n.a.
25,623.6
30,746.8
14,331.2
129,047.1
n.a.
n.a.
213.4
263.4
18.5
n.a.
n.a.
n.a.
724.6
130,267.0
130.4
n.a.
3,348.9
n.a.
-21.6
12.9
n.a.
3,340.2
133,737.6
3,181.4
3,181.4
5.18
n.a.
2.39
2.24
0.21
0.06
0.21
82.18
62.82
0.75
15.96
0.44
34.20
10.50
0.29
18.22
2.28
1.50
7.27
0.20
7.09
0.20
n.a.
1.04
1.01
12.66
12.66
2.38
11.60
15.60
n.a.
2.50
10.97
11.25
n.a.
6.95
2.64
15.53
2.05
0.95
46.24
10.55
0.68
0.12
2.05
130.67
120.46
24.84
n.a.
n.a.
440.6
n.a.
1,691.6
n.a.
135,869.8
25,139.0
n.a.
25,139.0
29,332.4
128,058.4
129,245.4
n.a.
124,306.1
3,582.3
3,585.1
22,624.9
7,041.1
7,379.5
11,198.1
5,984.3
n.a.
n.a.
n.a.
n.a.
17,640.2
4,574.4
15,520.4
1,861.7
13,338.0
2,849.4
5,569.4
2,660.3
n.a.
n.a.
n.a.
n.a.
24,273.3
3,700.6
3,725.5
1,170.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
206.0
1,194.0
82.3
1,404.3
n.a.
260.7
n.a.
260.7
3,340.2
n.a.
n.a.
3,340.2
3,340.2
0.0
0.0
53.1
59.0
46.7
0.0
0.0
3,181.4
0.0
0.0
3,181.4
1,363.5
n.a.
n.a.
n.a.
n.a.
1,518.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.3
n.a.
n.a.
n.a.
n.a.
n.a.
3,267.6
n.a.
n.a.
n.a.
n.a.
n.a.
60.7
26.6
34.1
66.4
236.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
191.7
n.a.
2,899.4
67.5
n.a.
n.a.
n.a.
3,340.2
3,340.2
-21.6
12.9
n.a.
n.a.
-8.7
n.a.
n.a.
n.a.
190.3
181.6
n.a.
181.6
n.a.
3,340.2
n.a.
n.a.
n.a.
n.a.
28.6
28.6
n.a.
46.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.0
2,908.4
3,922.9
11.60
15.60
25,139.0
16,988.0
6,363.0
1,788.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
60,265.7
n.a.
60,265.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,957
n.a.
11.60
n.a.
15.60
n.a.
n.a.
n.a.
n.a.
n.a.
362.9
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2011
0.95
72.48
46.24
2.05
0.12
7.42
19.63
10.55
11.60
15.60
2.50
10.57
5.73
2.59
3.65
15.43
8.36
3.78
28.81
0.21
0.21
0.96
0.88
0.28
-0.09
0.20
7.00
10.97
6.23
-21.06
62.80
0.43
120.46
23.63
54.17
24.76
127.52
58.29
nk (deal no. 1601255015)

o. 1601169056)
o. 1601169061)
601120266)
l no. 1601119696)
int venture (deal no. 656167)
ours denied (deal no. 622614)
ding (deal no. 542331)
g to DekaBank (deal no. 328383)
903)
no. 210502)
(deal no. 204245)
oint venture (deal no. 163629)
erger may fail (deal no. 172897)
riginal job title
Chairman of the Staff Committee
Member, Board of Management (Employee Repesentative appointed by the Staff Committee)

Chairman, Board of Management
Member, Board of Management (Repesentative appointed by the Federal Organisation of Central Municipal Organisations)
Member, Board of Management
Member, Board of Management (Employee Repesentative appointed by the Staff Committee)
Chairman of the Audit Committee
Second Deputy Chairman of the Administrative Board; Second Deputy Chairman of the General Committee
Deputy Chairman of the Audit Committee
First Deputy Chairman of the Administrative Board; First Deputy Chairman of the General Committee
Member of the Audit Committee
Member of the General Committee; Chairman of the Credit Committee; Member of Administrative Board (Representatives elected
by the Shareholder's meeting)
Member of the General Committee; Member of Administrative Board (Representatives elected by the Shareholder's meeting)

Member of Administrative Board (Representative elected by the Shareholder's meeting)
Chairman of the General Committee; Chairman of the Administrative Board
Member of Administrative Board (Representatives elected by the Shareholder's meeting); Deputy Chairman of the Credit
Committee
Member of Administrative Board (Representatives elected by the Shareholder's meeting)
Member of Administrative Board (Representatives elected by the Shareholder's meeting); Member of the Credit Committee
Member of Administrative Board (Representaives elected by the Shareholder's meeting)
Member of the Credit Committee; Member of Administrative Board (Representatives elected by the Shareholder's meeting)

riginal job title

Executive Manager
Executive Manager
Executive Manager
Executive Manager
DE13229
13229
Active
+49 (69) 7147 0

+49 (69) 7147 1376
www.dekabank.de
C2
DEKACI
Annual Report
9/14/2012
ALLBANKS
cl. Eastern Europe)

Stable
IFRS IFR
Original Restate
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
27,411.1 23,863.
27,616.2 24,119.
205.1 256.
101,751.6 108,290.
39,310.3 38,834.
22,095.8 21,415.
38,121.9 45,410.
2,223.6 2,629.
129,162.7 132,153.
36.4 39.
1,104.7 1,089.
130,303.8 133,283.
52,506.0 46,999.
21,369.8 23,773.
29,508.6 23,225.
1,627.6 n.a
72,408.3 81,359.
30,247.6 31,351.
18,160.2 22,928.
24,000.5 27,080.
1,036.3 1,068.
n.a. n.a
244.9 355.
4,108.3 3,500.
130,303.8 133,283.
742.0 949.
205.1 256.
74,642.8 81,125.
100.5 118.
2,849.5 3,363.
130.4 130.
1,402.0 1,902.
Original Restate
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
347.0 452.
1,395.9 1,255.
292.8 344.
1.4 -43.
1,061.7 980.
40.0 -26.
918.2 835.
-52.0 352.
-27.5 -22.
849.2 498.
201.5 149.
647.7 348.
1,757.2 1,730.
28.6 28.
16.90 13.8
12.90 9.7
4,357.6 4,051.
3,317.1 2,838.
-42.5 46.
IFRS IFR
Original Restate
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
1,612.7 2,112.
1,855.8 1,656.
n.a. n.a
3,468.5 3,769.
n.a. n.a
3,121.5 3,316.
3,121.5 3,316.
347.0 452.
292.8 344.
n.a. n.a
1.4 -43.
n.a. n.a
1,061.7 980.
54.3 -3.
1,410.2 1,278.
379.3 367.
538.9 467.
918.2 835.
-14.3 -23.
824.7 872.
-52.0 352.
n.a. n.a
876.7 520.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
-27.5 -22.
849.2 498.
201.5 149.
n.a. n.a
647.7 348.
-16.4 0.
n.a. n.a
7.5 0.
n.a. n.a
638.8 349.
n.a. n.a
647.7 348.
28.6 28.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
27,616.2 24,119.
205.1 256.
27,411.1 23,863.
27,616.2 24,119.
742.0 949.
n.a. n.a
39,310.3 38,834.
n.a. n.a
34,711.4 42,005.
22,095.8 21,415.
117.7 146.
3,262.4 3,256.
30.4 2.
n.a. n.a
60,217.7 66,826.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,223.6 2,629.
129,162.7 132,153.
621.1 285.
n.a. n.a
n.a. n.a
36.4 39.
78.0 93.
22.5 25.
82.2 5.
14.8 273.
n.a. n.a
286.1 406.
130,303.8 133,283.
21,369.8 23,773.
n.a. n.a
n.a. n.a
21,369.8 23,773.
29,508.6 23,225.
n.a. n.a
1,627.6 n.a
52,506.0 46,999.
22,468.1 25,047.
1,402.0 1,902.
n.a. n.a
23,870.1 26,949.
30,247.6 31,351.
18,160.2 22,928.
124,783.9 128,228.
n.a. n.a
n.a. n.a
244.9 355.
274.1 122.
32.9 275.
n.a. n.a
n.a. n.a
n.a. n.a
729.3 670.
126,065.1 129,652.
130.4 130.
n.a. n.a
4,109.9 3,492.
0.7 0.
-13.9 2.
11.6 4.
n.a. n.a
4,108.3 3,500.
130,303.8 133,283.
n.a. n.a
n.a. n.a
6.03 7.7
n.a. n.a
2.63 2.8
2.44 2.5
0.26 0.3
0.30 0.0
0.26 0.3
80.25 73.8
52.25 48.2
0.69 0.6
21.94 26.0
0.62 0.6
-6.31 40.3
23.32 15.5
0.66 0.3
23.73 30.0
3.21 2.9
3.41 1.7
17.23 10.4
0.49 0.2
16.99 10.4
0.48 0.2
n.a. n.a
2.52 1.1
2.48 1.1
n.a. n.a
n.a. n.a
3.07 2.3
12.90 9.7
16.90 13.8
n.a. n.a
3.15 2.6
4.42 8.2
4.48 8.1
n.a. n.a
15.07 9.1
-2.24 -3.8
14.50 -19.2
2.69 3.9
0.74 1.0
27.64 26.9
13.07 19.8
-0.19 1.3
-0.16 0.1
2.69 3.9
129.23 101.4
133.22 167.2
22.60 24.5
n.a. n.a
n.a. n.a
570.8 648.
n.a. n.a
2,278.7 2,715.
n.a. n.a
133,153.3 136,646.
25,725.0 29,413.
n.a. n.a
25,725.0 29,413.
26,753.8 27,202.
131,638.8 132,710.
132,828.6 134,405.
n.a. n.a
127,671.1 129,186.
3,753.1 3,262.
3,759.1 3,347.
23,493.9 29,039.
4,837.9 2,149.
2,872.6 2,471.
13,832.2 12,064.
5,868.4 7,178.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
14,739.4 13,025.
4,476.6 4,411.
17,829.0 13,257.
2,265.3 7,840.
10,898.1 11,981.
1,222.5 1,140.
6,808.5 5,868.
2,440.7 4,783.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
23,297.9 16,931.
1,608.1 1,236.
4,095.4 4,052.
507.2 1,005.
861.5 n.a
766.1 4,107.
22,126.4 20,939.
341.7 n.a
24,095.7 25,047.
n.a. n.a
n.a. n.a
n.a. n.a
71.3 577.
1,291.5 1,403.
117.2 n.a
1,402.0 1,902.
n.a. n.a
647.7 348.
n.a. n.a
647.7 348.
4,108.3 3,500.
n.a. n.a
n.a. n.a
4,108.3 3,500.
4,108.3 3,500.
n.a. n.a
n.a. n.a
78.0 93.
22.5 25.
14.8 273.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,612.7 2,112.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
117.7 146.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,262.4 3,256.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
25.9 51.
68.4 5.
-42.5 46.
73.8 82.
131.3 173.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
286.3 286.
n.a. n.a
3,604.7 2,987.
28.6 0.
n.a. n.a
n.a. n.a
0.7 0.
4,107.6 3,499.
4,108.3 3,500.
-13.9 2.
11.6 4.
n.a. n.a
n.a. n.a
-2.3 6.
n.a. n.a
n.a. n.a
n.a. n.a
190.3 190.
188.0 196.
n.a. n.a
188.0 196.
n.a. n.a
4,108.3 3,500.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
28.6 28.
28.6 28.
n.a. n.a
14.8 273.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,317.1 2,838.
4,357.6 4,051.
12.90 9.7
16.90 13.8
25,725.0 29,413.
18,500.0 20,713.
5,575.0 6,975.
1,650.0 1,725.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
60,217.7 66,826.
n.a. n.a
60,217.7 66,826.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,683 3,66
n.a. n.a
12.90 9.7
n.a. n.a
16.90 13.8
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
616.9 281.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
31/12/2010 31/12/200
0.74 1.0
-14.99 77.8
27.64 26.9
2.69 3.9
-0.16 0.1
-7.13 6.5
18.06 27.1
13.07 19.8
12.90 9.7
16.90 13.8
3.15 2.6
14.99 14.6
7.82 7.4
3.30 2.7
4.33 4.1
20.58 23.1
10.74 11.7
4.53 4.3
24.86 34.3
0.27 0.3
0.26 0.3
1.06 0.9
0.66 0.8
0.67 0.3
-0.17 -0.1
0.49 0.2
17.03 10.3
4.42 8.2
16.27 9.4
-4.25 -6.3
52.68 48.9
0.63 0.6
133.22 167.2
21.04 17.9
52.21 50.7
22.22 18.8
142.16 172.6
60.50 64.2
Body
BoD
ExeB
ExeB
al Organisations) ExeB
ExeB
ExeB
ExeB
ExeB
ExeB
ExeB
ExeB
ExeB
ExeB
ExeB
AudC
e OthBC
AudC
OthBC
AudC
(Representatives elected OthBC
AudC
reholder's meeting) OthBC
AudC
OthBC
OthBC
an of the Credit OthBC
OthBC
OthBC
OthBC
OthBC
OthBC
OthBC
Credit Committee OthBC
OthBC
OthBC
holder's meeting) OthBC
OthBC
OthBC
OthBC
OthBC
Dept
OthDep
OthDep
OthDep
OthDep
utlook Watch
able
IFRS IFRS
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
23,863.4 29,759.2
24,119.6 29,883.6
256.2 124.4
108,290.1 106,553.5
38,834.7 43,983.7
21,415.7 16,022.8
45,410.7 43,033.2
2,629.0 3,513.8
132,153.5 136,312.7
39.9 43.4
1,089.9 2,253.2
133,283.3 138,609.3
46,999.2 64,065.1
23,773.4 33,745.0
23,225.8 30,320.1
n.a. n.a.
81,359.9 69,786.5
31,351.3 24,335.8
22,928.4 16,317.6
27,080.2 29,133.1
1,068.9 1,306.6
n.a. n.a.
355.3 211.2
3,500.0 3,239.9
133,283.3 138,609.3
949.6 600.0
256.2 124.4
81,125.5 85,381.5
118.7 146.9
3,363.5 5,984.4
130.4 205.3
1,902.6 1,825.8
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
452.7 390.3
1,255.1 664.3
344.7 503.8
-43.3 -752.7
980.0 958.5
-26.3 -45.3
835.2 811.9
352.4 291.9
-22.2 -16.1
498.0 -65.3
149.6 50.5
348.4 -115.8
1,730.8 1,068.9
28.6 28.6
13.80 12.50
9.70 8.40
4,051.8 3,861.8
2,838.5 2,594.8
46.0 n.a.
IFRS IFRS
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
2,112.4 3,370.2
1,656.7 1,493.4
n.a. n.a.
3,769.1 4,863.6
n.a. n.a.
3,316.4 4,473.3
3,316.4 4,473.3
452.7 390.3
344.7 503.8
n.a. n.a.
-43.3 -752.7
n.a. n.a.
980.0 958.5
-3.3 -31.0
1,278.1 678.6
367.5 352.1
467.7 459.8
835.2 811.9
-23.0 -14.3
872.6 242.7
352.4 291.9
n.a. n.a.
520.2 -49.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
-22.2 -16.1
498.0 -65.3
149.6 50.5
n.a. n.a.
348.4 -115.8
0.6 3.6
n.a. n.a.
0.7 n.a.
n.a. n.a.
349.7 -112.2
n.a. -34.8
348.4 -81.0
28.6 28.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
24,119.6 29,883.6
256.2 124.4
23,863.4 29,759.2
24,119.6 29,883.6
949.6 600.0
n.a. n.a.
38,834.7 43,983.7
n.a. n.a.
42,005.1 39,940.6
21,415.7 16,022.8
146.5 331.0
3,256.5 2,756.0
2.6 5.6
n.a. n.a.
66,826.4 59,056.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,629.0 3,513.8
132,153.5 136,312.7
285.7 1,457.2
n.a. n.a.
n.a. n.a.
39.9 43.4
93.7 120.4
25.0 26.5
5.6 137.4
273.2 182.4
n.a. n.a.
406.7 329.3
133,283.3 138,609.3
23,773.4 33,745.0
n.a. n.a.
n.a. n.a.
23,773.4 33,745.0
23,225.8 30,320.1
n.a. n.a.
n.a. n.a.
46,999.2 64,065.1
25,047.2 27,102.0
1,902.6 1,825.8
n.a. n.a.
26,949.8 28,927.8
31,351.3 24,335.8
22,928.4 16,317.6
128,228.7 133,646.3
n.a. n.a.
n.a. n.a.
355.3 211.2
122.6 115.2
275.5 227.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
670.8 964.2
129,652.9 135,164.1
130.4 205.3
n.a. n.a.
3,492.7 3,135.8
0.7 98.8
2.5 1.9
4.1 3.4
n.a. n.a.
3,500.0 3,239.9
133,283.3 138,609.3
n.a. n.a.
n.a. n.a.
7.77 11.75
n.a. n.a.
2.84 3.87
2.57 3.66
0.34 0.31
0.08 0.08
0.34 0.31
73.84 63.49
48.26 75.96
0.62 0.64
26.07 7.37
0.65 0.19
40.39 120.27
15.54 -1.49
0.39 -0.04
30.04 -77.34
2.97 n.a.
1.77 n.a.
10.41 -3.51
0.26 -0.09
10.45 -3.40
0.26 -0.09
n.a. n.a.
1.18 n.a.
1.19 n.a.
n.a. n.a.
n.a. n.a.
2.34 2.10
9.70 8.40
13.80 12.50
n.a. n.a.
2.63 2.34
8.21 -24.70
8.18 -25.49
n.a. n.a.
9.14 -4.46
-3.84 30.17
-19.29 20.39
3.94 2.01
1.06 0.42
26.98 20.73
19.81 14.68
1.30 1.02
0.17 n.a.
3.94 2.01
101.46 88.56
167.21 145.06
24.54 30.87
n.a. n.a.
n.a. n.a.
648.3 855.8
n.a. n.a.
2,715.2 5,128.6
n.a. n.a.
136,646.8 144,593.7
29,413.0 23,213.0
n.a. n.a.
29,413.0 23,213.0
27,202.3 28,685.3
132,710.4 125,719.9
134,405.2 127,376.3
n.a. n.a.
129,186.4 122,071.7
3,262.3 3,262.0
3,347.1 3,295.3
29,039.7 31,098.4
2,149.3 7,140.0
2,471.3 2,163.7
12,064.1 11,364.3
7,178.7 9,215.6
n.a. 13,715.5
n.a. 28,542.1
n.a. 13,562.9
n.a. n.a.
13,025.5 14,394.1
4,411.5 5,637.7
13,257.5 13,111.0
7,840.1 10,840.9
11,981.3 n.a.
1,140.5 n.a.
5,868.1 n.a.
4,783.5 n.a.
n.a. 19,726.0
n.a. 1,888.4
n.a. 12,130.6
n.a. n.a.
16,931.4 21,526.4
1,236.7 4,032.9
4,052.6 4,760.8
1,005.1 n.a.
n.a. n.a.
4,107.5 n.a.
20,939.7 n.a.
n.a. n.a.
25,047.2 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
577.0 349.9
1,403.6 1,628.8
n.a. n.a.
1,902.6 1,825.8
n.a. n.a.
348.4 -115.8
n.a. n.a.
348.4 -115.8
3,500.0 3,239.9
n.a. n.a.
n.a. n.a.
3,500.0 3,239.9
3,500.0 3,239.9
n.a. n.a.
n.a. n.a.
93.7 120.4
25.0 26.5
273.2 182.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,112.4 3,370.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 20,911.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 3,745.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 590.2
n.a. 25,247.0
n.a. 17,518.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 49.7
n.a. 927.4
146.5 331.0
n.a. 2,755.5
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,256.5 2,756.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 5,312.5
51.7 n.a.
5.7 n.a.
46.0 n.a.
82.9 57.5
173.3 66.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
286.3 286.3
n.a. n.a.
2,987.5 2,646.0
0.0 0.0
n.a. n.a.
n.a. n.a.
0.7 98.8
3,499.3 3,141.1
3,500.0 3,239.9
2.5 1.9
4.1 3.4
n.a. n.a.
n.a. n.a.
6.6 5.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
190.3 190.3
196.9 195.6
n.a. n.a.
196.9 195.6
n.a. n.a.
3,500.0 3,239.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
28.6 28.6
28.6 28.6
n.a. n.a.
273.2 182.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,838.5 2,594.8
4,051.8 3,861.8
9.70 8.40
13.80 12.50
29,413.0 n.a.
20,713.0 n.a.
6,975.0 n.a.
1,725.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
66,826.4 59,056.0
n.a. n.a.
66,826.4 59,056.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,667 3,920
n.a. n.a.
9.70 8.40
n.a. n.a.
13.80 12.50
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
281.4 1,453.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2009 31/12/2008
1.06 0.42
77.84 74.79
26.98 20.73
3.94 2.01
0.17 n.a.
6.56 n.a.
27.13 18.52
19.81 14.68
9.70 8.40
13.80 12.50
2.63 2.34
14.67 10.89
7.45 5.06
2.74 2.43
4.15 3.80
23.19 17.71
11.77 8.23
4.33 3.95
34.39 34.64
0.34 0.32
0.33 0.32
0.92 0.54
0.87 0.90
0.38 -0.04
-0.13 -0.05
0.26 -0.09
10.34 -3.54
8.21 -24.70
9.49 -4.42
-6.37 13.90
48.91 76.99
0.64 0.20
167.21 145.06
17.90 21.47
50.77 46.45
18.89 22.58
172.61 133.27
64.22 64.77
Source
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
Source
VI
VI
VI
VI
IFRS IFRS
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
24,703.1 22,263.1
24,821.4 22,442.1
118.3 179.0
80,242.6 81,383.2
45,980.6 46,424.3
3,924.3 1,945.2
30,279.8 32,793.6
57.9 220.1
104,945.7 103,646.3
35.3 315.0
1,501.2 966.8
106,482.2 104,928.1
51,970.8 57,121.5
26,610.8 25,983.9
25,360.0 31,137.6
n.a. n.a.
49,774.8 43,505.6
4,958.4 1,894.9
12,998.6 7,190.1
31,817.8 34,420.6
1,064.5 1,024.9
n.a. n.a.
375.3 351.8
3,296.8 2,924.3
106,482.2 104,928.1
57.9 70.9
118.3 179.0
57,576.3 54,489.6
140.7 136.4
4,499.0 4,676.0
808.0 807.9
1,263.3 1,273.5
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
203.0 255.8
1,420.3 977.1
495.1 472.1
-254.9 -451.6
984.5 883.2
195.6 73.4
729.2 863.6
-32.1 -2.2
-418.5 59.5
507.7 431.0
97.1 102.4
410.6 328.6
1,630.4 1,233.4
28.6 28.6
16.51 11.20
9.28 6.80
3,732.8 3,699.0
2,098.7 2,110.0
-49.0 n.a.
IFRS IFRS
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
2,569.5 2,411.3
1,139.2 1,517.0
n.a. n.a.
3,708.7 3,928.3
n.a. n.a.
3,505.7 3,672.5
3,505.7 3,672.5
203.0 255.8
495.1 472.1
1.7 -1.0
-254.9 -451.6
n.a. n.a.
984.5 883.2
201.0 74.9
1,427.4 977.6
329.9 301.5
399.3 562.1
729.2 863.6
-7.1 -0.5
894.1 369.3
-32.1 -2.2
n.a. n.a.
926.2 371.5
n.a. n.a.
n.a. -1.6
402.4 20.0
n.a. n.a.
-16.1 81.1
507.7 431.0
97.1 102.4
n.a. n.a.
410.6 328.6
-4.3 -9.8
n.a. n.a.
-0.9 -1.2
n.a. n.a.
405.4 317.6
4.4 n.a.
406.2 328.6
28.6 28.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
24,821.4 22,442.1
118.3 179.0
24,703.1 22,263.1
24,821.4 22,442.1
57.9 70.9
n.a. n.a.
45,980.6 46,424.3
n.a. n.a.
10,811.8 7,809.0
3,924.3 1,945.2
19,456.3 24,963.6
n.a. n.a.
11.7 21.0
n.a. n.a.
34,204.1 34,738.8
n.a. 121.2
n.a. n.a.
n.a. 172.0
n.a. n.a.
57.9 48.1
104,945.7 103,646.3
783.9 256.3
n.a. n.a.
n.a. n.a.
35.3 315.0
118.6 118.6
22.1 17.8
171.9 97.4
78.4 163.9
n.a. n.a.
326.3 312.8
106,482.2 104,928.1
26,610.8 25,983.9
n.a. n.a.
n.a. n.a.
26,610.8 25,983.9
25,360.0 31,137.6
n.a. n.a.
n.a. n.a.
51,970.8 57,121.5
29,746.5 32,339.2
1,263.3 1,273.5
n.a. n.a.
31,009.8 33,612.7
4,958.4 1,894.9
12,998.6 7,190.1
100,937.6 99,819.2
n.a. n.a.
n.a. n.a.
375.3 351.8
86.4 71.6
190.0 220.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
788.1 732.9
102,377.4 101,195.9
808.0 807.9
n.a. n.a.
3,298.2 2,920.6
0.8 0.7
-1.7 2.6
n.a. n.a.
-0.5 0.4
3,296.8 2,924.3
106,482.2 104,928.1
n.a. n.a.
n.a. n.a.
11.81 11.17
n.a. n.a.
3.62 3.63
3.63 3.51
0.20 0.24
0.23 0.24
0.20 0.24
87.55 79.26
44.73 70.02
0.70 0.79
27.94 13.28
0.86 0.34
-3.59 -0.60
28.94 13.36
0.89 0.34
19.13 23.76
3.95 1.38
4.10 1.39
12.83 11.82
0.40 0.30
12.67 11.42
0.39 0.29
n.a. n.a.
1.82 1.23
1.79 1.19
n.a. n.a.
n.a. n.a.
2.90 2.51
9.28 6.80
16.51 11.20
n.a. n.a.
3.10 2.79
6.97 8.70
7.05 9.01
n.a. n.a.
11.59 10.26
1.48 -8.74
10.60 8.23
0.23 0.32
0.48 0.80
204.32 252.47
-1.83 -3.70
-0.15 -0.01
-0.23 n.a.
0.23 0.32
93.28 86.37
181.31 149.09
27.73 26.53
n.a. n.a.
n.a. n.a.
1,787.4 2,246.9
n.a. n.a.
2,458.5 2,324.2
253.1 104.9
110,981.2 109,604.1
22,612.5 26,689.0
n.a. n.a.
22,612.5 26,689.0
21,748.1 21,588.6
102,574.4 108,169.3
103,775.4 109,955.0
n.a. n.a.
96,560.3 104,537.2
3,199.6 2,770.7
3,200.3 2,779.9
26,475.9 26,774.3
8,100.8 6,093.9
1,542.3 2,353.7
8,781.6 7,595.0
6,396.7 6,399.5
8,011.5 6,222.4
13,312.2 9,903.1
12,305.0 16,543.8
n.a. n.a.
16,659.7 13,348.6
6,589.9 6,521.9
12,703.8 13,840.4
10,027.2 12,713.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
11,709.8 10,025.6
1,367.5 975.7
13,533.5 14,982.6
n.a. n.a.
16,880.1 18,693.4
2,467.8 5,658.6
6,012.1 6,785.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
155.7 155.5
1,863.2 1,873.6
n.a. n.a.
1,263.3 1,273.5
n.a. n.a.
410.6 328.6
n.a. n.a.
n.a. n.a.
3,296.8 2,924.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,296.8 2,924.3
n.a. n.a.
n.a. n.a.
118.6 118.6
22.1 17.8
78.4 163.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 518.1
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,569.5 2,411.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
9,093.9 6,974.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,498.8 527.5
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
219.1 307.3
10,811.8 7,809.0
15,811.7 20,040.1
n.a. 121.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
378.0 375.7
3,266.6 4,426.6
19,456.3 24,963.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 121.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,362.5 5,637.1
1.3 n.a.
50.3 n.a.
-49.0 n.a.
83.0 73.4
35.3 106.7
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
476.6 476.6
12.3 n.a.
2,809.3 2,444.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.8 0.7
3,296.0 2,923.6
3,298.2 2,920.6
-1.7 2.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
-1.7 2.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
-1.7 2.6
n.a. n.a.
-1.7 2.6
n.a. n.a.
3,296.8 2,924.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
28.6 28.6
28.6 28.6
n.a. n.a.
78.4 163.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 518.1
n.a. 518.1
n.a. 518.1
2,098.7 2,110.0
3,732.8 3,699.0
9.28 6.80
16.51 11.20
22,612.5 26,689.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
27.9 n.a.
34,204.1 34,738.8
n.a. n.a.
34,204.1 34,738.8
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,553 3,453
n.a. n.a.
9.28 6.80
n.a. n.a.
16.51 11.20
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
780.3 252.5
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2007 31/12/2006
0.48 0.80
-15.81 -0.86
204.32 252.47
0.23 0.32
-0.21 n.a.
-12.95 n.a.
1.76 2.43
n.a. n.a.
9.28 6.80
16.51 11.20
3.10 2.79
13.35 13.14
6.34 5.12
3.26 2.93
5.04 4.77
21.73 22.48
10.33 8.76
5.31 5.01
23.53 25.44
0.20 0.24
0.19 0.23
1.34 0.89
0.66 0.78
0.88 0.34
-0.49 -0.04
0.39 0.30
13.20 11.82
6.97 8.70
12.28 10.79
-101.92 18.11
44.92 70.05
0.85 0.34
181.31 149.09
23.20 21.22
47.53 38.98
24.78 22.59
110.79 95.39
57.76 55.29
IFRS IFRS
Unqualified Audited
Original Original
31/12/2005 31/12/2004
12 months 12 months
mil EUR mil EUR
20,509.7 22,430.3
20,735.0 22,701.0
225.3 270.7
92,182.6 91,103.8
49,014.5 48,345.5
2,636.8 2,308.2
39,946.0 40,243.1
585.3 207.0
112,692.3 113,534.1
379.2 474.3
1,910.4 2,466.1
114,981.9 116,474.5
58,631.8 60,646.7
27,564.6 27,785.6
31,067.2 32,861.1
n.a. n.a.
51,431.3 50,581.9
2,556.8 2,252.6
6,150.8 2,921.2
42,723.7 45,408.1
1,558.2 1,633.5
n.a. n.a.
725.2 956.0
2,635.4 2,656.4
114,981.9 116,474.5
193.0 n.a.
225.3 270.7
54,929.1 52,683.3
136.5 166.3
3,914.5 4,238.6
807.9 807.8
1,374.4 1,150.6
Unqualified Audited
Original Original
31/12/2005 31/12/2004
12 months 12 months
mil EUR mil EUR
408.7 299.9
795.9 1,048.6
-31.0 220.6
11.7 -80.0
772.8 748.6
42.4 159.4
803.2 1,298.0
-36.1 58.8
-33.5 -51.1
404.0 -59.4
83.4 -0.8
320.6 -58.6
1,216.0 1,358.1
28.6 28.6
13.30 14.20
7.80 7.70
3,668.0 3,583.0
2,121.0 2,029.0
n.a. n.a.
IFRS IFRS
Unqualified Audited
Original Original
31/12/2005 31/12/2004
12 months 12 months
mil EUR mil EUR
2,475.2 2,221.4
1,755.9 1,413.2
n.a. n.a.
4,231.1 3,634.6
n.a. n.a.
3,822.4 3,334.7
3,822.4 3,334.7
408.7 299.9
-31.0 220.6
5.2 107.7
11.7 -80.0
n.a. n.a.
772.8 748.6
48.6 61.3
807.3 1,058.2
285.2 281.9
518.0 1,016.1
803.2 1,298.0
-11.4 -9.6
401.4 50.5
-36.1 58.8
n.a. n.a.
437.5 -8.3
n.a. n.a.
0.0 n.a.
14.3 n.a.
n.a. n.a.
-19.2 -51.1
404.0 -59.4
83.4 -0.8
n.a. n.a.
320.6 -58.6
-463.5 475.9
n.a. n.a.
-0.2 1.8
n.a. n.a.
-143.1 419.1
n.a. n.a.
320.6 -58.6
28.6 28.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
20,735.0 22,701.0
225.3 270.7
20,509.7 22,430.3
20,735.0 22,701.0
193.0 n.a.
n.a. n.a.
49,014.5 48,345.5
n.a. n.a.
5,473.4 3,193.9
2,636.8 2,308.2
34,416.3 37,049.2
n.a. n.a.
56.3 0.0
n.a. n.a.
42,582.8 42,551.3
360.9 17,945.2
n.a. n.a.
536.7 167.0
n.a. n.a.
48.6 40.0
112,692.3 113,534.1
441.2 1,143.9
n.a. n.a.
n.a. n.a.
379.2 474.3
118.6 143.6
17.9 22.7
116.6 8.2
974.5 936.1
n.a. n.a.
241.6 211.6
114,981.9 116,474.5
27,564.6 27,785.6
n.a. n.a.
n.a. n.a.
27,564.6 27,785.6
31,067.2 32,861.1
n.a. n.a.
n.a. n.a.
58,631.8 60,646.7
40,541.4 43,449.7
1,374.4 1,150.6
n.a. n.a.
41,915.8 44,600.3
2,556.8 2,252.6
6,150.8 2,921.2
109,255.2 110,420.8
n.a. n.a.
n.a. n.a.
725.2 956.0
49.6 103.9
890.5 883.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
618.1 646.4
111,538.6 113,010.3
807.9 807.8
n.a. 209.3
2,620.7 1,968.7
0.7 0.7
12.4 475.9
n.a. n.a.
1.6 1.8
2,635.4 2,447.1
114,981.9 116,474.5
n.a. n.a.
n.a. n.a.
11.40 n.a.
n.a. n.a.
3.74 n.a.
3.48 n.a.
0.36 n.a.
0.39 n.a.
0.36 n.a.
66.39 77.92
66.05 95.57
0.69 n.a.
15.80 n.a.
0.35 n.a.
-8.99 116.44
17.22 n.a.
0.38 n.a.
20.64 1.35
1.57 0.20
1.71 -0.03
12.62 n.a.
0.28 n.a.
-5.63 n.a.
-0.12 n.a.
n.a. n.a.
1.25 -0.23
-0.56 1.67
n.a. n.a.
n.a. n.a.
2.10 1.92
7.80 7.70
13.30 14.20
n.a. n.a.
2.29 2.10
8.92 -48.81
-19.99 6.82
n.a. n.a.
11.08 -3.56
-1.28 n.a.
-8.66 n.a.
0.93 n.a.
1.09 1.19
116.74 n.a.
-1.23 n.a.
-0.17 n.a.
n.a. n.a.
0.93 n.a.
75.22 81.70
157.77 147.12
25.83 25.69
n.a. n.a.
n.a. n.a.
1,284.5 1,612.6
n.a. n.a.
2,241.9 2,579.1
388.1 46.9
118,896.4 120,713.1
25,600.0 25,118.3
n.a. n.a.
25,600.0 25,118.3
21,718.0 n.a.
113,113.2 n.a.
115,728.2 n.a.
n.a. n.a.
109,838.0 n.a.
2,294.7 n.a.
2,541.3 n.a.
27,675.1 n.a.
5,284.9 6,654.4
1,727.4 2,673.3
7,327.4 6,859.2
6,395.3 6,514.1
5,923.3 3,049.8
9,271.1 3,862.4
24,502.5 0.0
n.a. n.a.
14,877.0 19,011.1
5,903.7 3,434.1
14,413.1 13,753.4
13,820.7 12,147.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
10,952.4 11,579.1
807.4 1,107.9
15,804.8 15,098.6
n.a. n.a.
19,332.2 20,830.0
4,093.7 3,169.7
7,641.3 8,861.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
208.4 103.6
1,921.6 2,012.0
n.a. n.a.
1,374.4 1,150.6
n.a. n.a.
320.6 -58.6
n.a. n.a.
n.a. n.a.
2,635.4 2,447.1
n.a. 209.3
n.a. n.a.
n.a. n.a.
2,635.4 2,447.1
n.a. n.a.
n.a. n.a.
118.6 143.6
17.9 22.7
84.0 53.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
569.4 566.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,475.2 2,221.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,426.6 3,163.1
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
46.3 30.8
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.5 n.a.
5,473.4 3,193.9
28,689.8 n.a.
360.9 17,945.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
267.5 244.3
5,098.1 18,859.7
34,416.3 37,049.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
360.9 17,945.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,412.4 19,134.8
n.a. n.a.
n.a. n.a.
n.a. n.a.
48.4 52.3
184.2 234.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
476.6 476.6
51.3 51.3
2,092.8 1,440.8
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.7 0.7
2,634.7 2,446.4
2,620.7 1,968.7
12.4 475.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
12.4 475.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
12.4 475.9
n.a. n.a.
12.4 475.9
n.a. 209.3
2,635.4 2,656.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
28.6 28.6
28.6 28.6
n.a. n.a.
84.0 53.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
569.4 566.4
569.4 566.4
569.4 566.4
2,121.0 2,029.0
3,668.0 3,583.0
7.80 7.70
13.30 14.20
25,600.0 25,118.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
42,582.8 42,551.3
n.a. n.a.
42,582.8 42,551.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,453 3,365
n.a. n.a.
7.80 7.70
n.a. n.a.
13.30 14.20
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
437.2 1,140.1
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
Unqualified Audited
31/12/2005 31/12/2004
1.09 1.19
-8.83 19.61
116.74 n.a.
0.93 n.a.
n.a. n.a.
n.a. n.a.
7.32 n.a.
n.a. n.a.
7.80 7.70
13.30 14.20
2.29 2.28
12.85 11.84
4.50 4.38
2.39 2.38
4.19 3.96
23.49 20.57
8.22 7.61
4.37 4.13
28.53 24.93
0.36 0.26
0.35 0.26
0.69 0.90
0.66 1.17
0.38 -0.01
-0.10 -0.04
0.28 -0.05
12.12 -2.21
8.92 -48.81
11.04 -3.28
-10.45 87.20
66.68 96.26
0.35 0.04
157.77 147.12
17.84 19.26
34.98 36.99
19.01 20.53
93.69 86.87
50.92 48.21
WGZ-Bank AG Westdeutsche Genossenschafts-Zentralbank
40227 DÜSSELDORF 1
GERMANY
The GUO of this controlled subsidiary is WGZ BETEILIGUNGS GMBH & CO. KG
Contact details
Ludwig-Erhard-Allee, 20
40227 DÜSSELDORF 1
GERMANY
Bank History :
Established in 1970, as the result of the merger between Jahrhundert Gegründeten Ländlichen Centralkasse, Genossenschaftlichen
Status
Name of the Auditor
Latest total assets

Latest net income
Specialisation
Peer Group
Peer Group Name

Size

EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income

Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities


Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
Date
1 27/06/2012
2 25/05/2012
3 23/05/2012
4 20/03/2012
5 15/02/2012
6 30/01/2012
7 26/03/2010
8 01/12/2009
9 02/09/2009
10 02/09/2009
11 30/06/2008
12 25/06/2008
13 28/11/2007
14 16/12/2004
15 29/04/2004
16 05/08/2003
Source : Zephyr

Boards & committees
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
Management & staff
1.
se, Genossenschaftlichen Zentralbank Rheinland, and Zentralkasse Westdeutscher Volksbanken. In August 2005 WGZ-Bank Westdetsche Geno
Active
mil EUR
Deloitte & Touche GmbH
93,945 mil EUR

-240 mil EUR
2
43
Cooperative Bank

Rating
A
A
News
KTG Energie announces details of IPO (deal no. 1601376630)
WGZ to increase stake in Global ASIC (deal no. 1601375891)
E. Winkemann acquired by management and Equistone Private Partners
Your Family Entertainment completes private placing (deal no. 1601351
Sberbank completes acquisition of Volksbank International (deal no. 160
Capital Stage completes rights issue (deal no. 1601338629)
WGZ Bank may raise capital (deal no. 1601172633)
WGZ completes capital increase (deal no. 1601107108)
WGZ-Bank plans to acquire stake in R+V Versicherung (deal no. 160110
WGZ Bank not ruling out further stakes in cooperative insurance sector
Garant Schuh + Mode completes rights issue (deal no. 645371)
DZ Bank and WGZ Bank end merger talks (deal no. 1601001051)
AGOR to raise capital (deal no. 598324)
DZ Bank, WGZ Bank and Banque Federale des Banques Populaires to ac
WGZ Bank's proposed merger with DZ Bank expected to merge has faile
DWP Bank begins operations (deal no. 168112)
Mr. Dieter Philipp -
P001363103
Mr. Franz Lipsmeier -
P039549899
Mr. Johannes Berens -
P039567938
Mr. Peter Bersch -
P039548690
Mr. Ludger Hünteler -
P039557856
Mr. Manfred Jorris -
P039557854
Mrs. Hannelore Kurre -
P039557853
Mr. Franz-Josef Möllers -
P039545946
Mr. Manfred Wortmann -
P039549947
Mr. Uwe Berghaus -
P070852198
Mr. Werner Böhnke -
P039546888
Dr. Christian Brauckmann -
P039594186
Mr. Karl-Heinz Moll -
P001820408
Mr. Michael Speth -
P070852199
Mr. Hans-Bernd Wolberg -
P039557852

Mr. Werner Böhnke -
P039546888
BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
-Bank Westdetsche Genossenschafts-Zentralbank eG became a public limited company and changed its name to WGZ-Bank AG Westdeutsche G
Consolidation Code
Source
Release Date
Model

World rank, 2011

World rank, rolling
Cooperative Banks Europe (Excl. Eastern Europe)

1,761
01/10/2012
01/10/2012
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
36,228.0
36,482.5
254.5
56,859.0
24,439.7
768.4
31,513.7
137.2
93,087.0
70.0
788.3
93,945.3
57,079.5
19,935.7
37,143.8
n.a.
33,815.2
998.5
5,764.1
27,052.6
174.9
n.a.
200.6
2,675.1
93,945.3
n.a.
254.5
33,010.0
13.0
n.a.
0.0
830.0
Unqualified
Original
31/12/2011
12 months
mil EUR
438.4
-596.0
-678.1
n.a.
63.5
18.6
266.4
9.2
n.a.
-433.2
-193.5
-239.7
-157.6
n.a.
12.30
9.40
2,295.0
1,759.0
n.a.
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
2,204.2
656.6
84.7
2,945.5
n.a.
2,507.1
2,507.1
438.4
-678.1
-2.3
n.a.
n.a.
63.5
20.9
-596.0
132.9
133.5
266.4
n.a.
-424.0
9.2
n.a.
-433.2
n.a.
n.a.
n.a.
n.a.
n.a.
-433.2
-193.5
n.a.
-239.7
-38.8
n.a.
n.a.
n.a.
-278.5
n.a.
-239.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
36,482.5
254.5
36,228.0
36,482.5
n.a.
n.a.
24,439.7
n.a.
8,518.8
768.4
n.a.
n.a.
22,994.9
n.a.
32,282.1
n.a.
n.a.
5.2
n.a.
132.0
93,087.0
51.5
n.a.
n.a.
70.0
n.a.
13.0
138.0
449.8
n.a.
136.0
93,945.3
19,935.7
n.a.
n.a.
19,935.7
37,143.8
n.a.
n.a.
57,079.5
26,222.6
830.0
n.a.
27,052.6
998.5
5,764.1
90,894.7
n.a.
n.a.
200.6
7.6
n.a.
n.a.
n.a.
n.a.
167.3
91,270.2
0.0
n.a.
2,871.1
-37.1
-158.9
n.a.
n.a.
2,675.1
93,945.3
2,518.2
2,518.2
6.22
n.a.
3.19
2.82
0.47
0.46
0.47
378.17
-169.04
0.29
-14.22
-0.46
-2.17
-14.53
-0.47
44.67
-2.27
-2.31
-8.04
-0.26
-9.34
-0.30
n.a.
-1.28
-1.49
13.46
13.46
2.37
9.40
12.30
n.a.
2.85
n.a.
n.a.
n.a.
-8.96
-0.14
4.88
n.a.
0.70
n.a.
n.a.
0.03
n.a.
n.a.
183.00
65.80
22.18
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
93,945.3
18,712.8
n.a.
18,712.8
35,451.4
92,367.9
93,101.4
n.a.
88,975.5
3,112.2
2,981.1
19,132.4
2,548.6
3,116.9
10,785.4
20,031.6
n.a.
n.a.
n.a.
n.a.
5,465.9
1,684.1
7,880.6
9,409.1
4,769.8
398.1
14,767.8
n.a.
n.a.
n.a.
n.a.
n.a.
11,380.9
6,566.2
19,826.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
830.0
n.a.
-239.7
n.a.
-239.7
2,675.1
n.a.
n.a.
2,675.1
2,675.1
-96.9
0.0
0.0
13.0
47.0
0.0
0.0
2,518.2
0.0
0.0
2,518.2
1,079.2
n.a.
n.a.
n.a.
n.a.
2,204.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
254.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
649.4
n.a.
1,809.6
50.1
n.a.
n.a.
-37.1
2,712.2
2,675.1
-158.9
n.a.
n.a.
n.a.
-158.9
n.a.
n.a.
n.a.
362.0
203.1
n.a.
203.1
n.a.
2,675.1
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
449.8
n.a.
n.a.
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1,759.0
2,295.0
9.40
12.30
18,712.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
32,282.1
n.a.
32,282.1
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,587
n.a.
9.40
n.a.
12.30
n.a.
n.a.
n.a.
n.a.
n.a.
51.5
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2011
0.70
2.10
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
9.40
12.30
2.85
7.38
4.69
2.96
3.73
9.68
6.14
3.88
23.68
0.47
0.47
-0.63
0.29
n.a.
0.21
-0.26
-8.36
n.a.
n.a.
n.a.
n.a.
-0.45
65.80
38.56
63.47
40.22
57.83
36.65
. 1601376630)
. 1601375891)
Equistone Private Partners (deal no. 1601379973)
placing (deal no. 1601351392)
nternational (deal no. 1601262614)
1601338629)
2633)
1107108)
cherung (deal no. 1601109017)
perative insurance sector (deal no. 1601109019)
deal no. 645371)
al no. 1601001051)
Banques Populaires to acquire stakes in Volksbank International (deal no. 306620)

xpected to merge has failed (deal no. 244277)
)
riginal job title
Chairman, Supervisory Board
Deputy Chairman, Supervisory Board (since 21/06/2011)
Member, Supervisory Board (since 21/06/2011)
Member, Board of Managing Directors
riginal job title

Chief Executive Officer
DE14019
14019
Active
+49 (211) 778-0

+49 (211) 778-12 77
www.wgz-bank.de
-Bank AG Westdeutsche Genossenschafts-Zentralbank

C2
WEGEZCI
Annual Report
9/24/2012
ALLBANKS
13
13
188
192
pe)
Stable
IFRS IFR
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
34,482.3 32,467.
34,784.6 32,920.
302.3 452.
58,907.2 62,448.
23,104.5 23,901.
546.0 322.
32,235.6 38,093.
3,021.1 131.
93,389.5 94,916.
72.0 76.
619.8 650.
94,081.3 95,643.
54,794.7 57,924.
18,358.8 20,024.
36,435.9 37,900.
n.a. n.a
33,378.2 34,385.
498.2 377.
4,062.9 3,653.
28,817.1 30,354.
2,657.7 105.
n.a. n.a
191.5 181.
3,059.2 3,046.
94,081.3 95,643.
n.a. n.a
302.3 452.
31,331.7 31,906.
13.3 14.
n.a. n.a
0.0 0.
999.5 1,104.
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
414.9 433.
42.8 332.
-49.7 272.
n.a. n.a
79.0 69.
13.5 -9.
266.0 280.
28.1 127.
n.a. n.a
163.6 358.
21.6 70.
142.0 287.
457.7 765.
n.a. n.a
13.90 13.5
10.30 9.7
2,453.0 2,540.
1,818.0 2,483.
n.a. n.a
IFRS IFR
Original Origina
31/12/2010 31/12/200
12 months 12 month
mil EUR mil EU
2,116.2 2,203.
766.5 1,082.
66.4 n.a
2,949.1 3,286.
n.a. n.a
2,534.2 2,853.
2,534.2 2,853.
414.9 433.
-49.7 272.
7.4 -10.
n.a. n.a
n.a. n.a
79.0 69.
6.1 1.
42.8 332.
137.1 132.
128.9 148.
266.0 280.
n.a. n.a
191.7 485.
28.1 127.
n.a. n.a
163.6 358.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
163.6 358.
21.6 70.
n.a. n.a
142.0 287.
-77.6 17.
n.a. n.a
n.a. n.a
n.a. n.a
64.4 305.
-6.7 2.
148.7 285.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
34,784.6 32,920.
302.3 452.
34,482.3 32,467.
34,784.6 32,920.
n.a. n.a
n.a. n.a
23,104.5 23,901.
n.a. n.a
8,073.7 7,765.
546.0 322.
n.a. n.a
n.a. n.a
24,161.9 30,327.
n.a. n.a
32,781.6 38,415.
n.a. n.a
n.a. n.a
9.3 9.
n.a. n.a
3,011.8 122.
93,389.5 94,916.
153.5 239.
n.a. n.a
n.a. n.a
72.0 76.
n.a. n.a
13.3 14.
119.2 159.
228.1 114.
n.a. n.a
105.7 122.
94,081.3 95,643.
18,358.8 20,024.
n.a. n.a
n.a. n.a
18,358.8 20,024.
36,435.9 37,900.
n.a. n.a
n.a. n.a
54,794.7 57,924.
27,817.6 29,188.
999.5 1,104.
n.a. 61.
28,817.1 30,354.
498.2 377.
4,062.9 3,653.
88,172.9 92,309.
n.a. n.a
n.a. n.a
191.5 181.
57.2 23.
n.a. 23.
n.a. n.a
n.a. n.a
n.a. n.a
2,600.5 58.
91,022.1 92,596.
0.0 0.
n.a. n.a
3,143.9 3,037.
35.4 52.
-120.1 -42.
n.a. n.a
n.a. n.a
3,059.2 3,046.
94,081.3 95,643.
2,909.8 2,918.
2,909.8 2,918.
6.18 7.1
n.a. n.a
3.07 3.5
2.73 3.1
0.43 0.4
0.40 0.3
0.43 0.4
9.35 43.4
58.12 36.6
0.27 0.3
6.34 17.5
0.20 0.5
14.66 26.1
5.41 12.9
0.17 0.3
13.20 19.6
1.09 2.5
0.93 1.8
4.70 10.3
0.15 0.3
2.13 11.0
0.07 0.3
n.a. n.a
0.80 1.5
0.36 1.6
16.49 15.3
16.49 15.3
3.00 3.0
10.30 9.7
13.90 13.5
n.a. n.a
3.25 3.1
n.a. n.a
n.a. n.a
n.a. n.a
4.64 9.4
-1.63 3.2
5.66 12.7
n.a. n.a
0.87 1.3
n.a. n.a
n.a. n.a
0.08 0.4
n.a. n.a
n.a. n.a
189.47 164.4
63.41 63.0
20.94 21.7
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
94,081.3 95,643.
17,650.5 18,981.
n.a. n.a
17,650.5 18,981.
34,258.8 30,960.
96,143.0 93,940.
96,870.6 94,642.
n.a. n.a
92,706.1 91,600.
3,035.6 2,756.
3,022.7 2,773.
19,669.1 19,794.
2,796.3 2,420.
2,543.1 2,466.
10,684.3 9,519.
18,760.9 18,514.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,591.4 2,831.
1,690.8 2,314.
8,158.6 7,734.
10,663.7 11,021.
2,308.5 3,127.
745.0 851.
1,988.3 1,964.
13,317.0 10,255.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
9,499.6 9,833.
5,277.1 8,156.
7,259.1 6,743.
14,400.1 13,166.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
999.5 1,104.
n.a. n.a
142.0 287.
n.a. n.a
142.0 287.
3,059.2 3,046.
n.a. n.a
n.a. n.a
3,059.2 3,046.
3,059.2 3,046.
-122.7 0.
0.0 0.
0.0 0.
13.3 14.
13.4 114.
0.0 0.
0.0 0.
2,909.8 2,918.
0.0 0.
0.0 0.
2,909.8 2,918.
1,247.1 1,250.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
2,116.2 2,203.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
302.3 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
649.4 649.
n.a. n.a
2,049.3 1,950.
67.6 68.
n.a. n.a
n.a. n.a
35.4 52.
3,023.8 2,994.
3,059.2 3,046.
-120.1 -42.
n.a. n.a
n.a. n.a
n.a. n.a
-120.1 -42.
n.a. n.a
n.a. n.a
n.a. n.a
377.6 369.
257.5 327.
n.a. n.a
257.5 327.
n.a. n.a
3,059.2 3,046.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
228.1 114.
n.a. n.a
n.a. n.a
0.0 0.
0.0 0.
0.0 0.
0.0 0.
0.0 0.
0.0 0.
0.0 0.
1,818.0 2,483.
2,453.0 2,540.
10.30 9.7
13.90 13.5
17,650.5 18,981.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
32,781.6 38,415.
n.a. n.a
32,781.6 38,415.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,573 1,54
n.a. n.a
10.30 9.7
n.a. n.a
13.90 13.5
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
153.5 236.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
31/12/2010 31/12/200
0.87 1.3
6.77 29.3
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
10.30 9.7
13.90 13.5
3.25 3.1
8.87 9.3
5.58 5.2
3.40 3.3
4.31 4.3
11.77 12.7
7.41 7.1
4.51 4.5
24.63 26.6
0.44 0.4
0.44 0.4
0.05 0.3
0.31 0.4
n.a. n.a
-0.02 -0.0
0.15 0.3
4.65 10.2
n.a. n.a
n.a. n.a
n.a. n.a
58.12 36.6
0.20 0.5
63.41 63.0
36.65 33.9
62.93 56.0
39.56 35.6
57.18 55.0
35.94 34.9
Body
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
SupB
ExeB
ExeB
ExeB
ExeB
ExeB
ExeB
Dept
SenMan
utlook Watch
able
IFRS IFRS
Original Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
32,467.8 28,816.1
32,920.3 29,187.1
452.5 371.0
62,448.7 63,049.0
23,901.5 25,650.8
322.0 248.1
38,093.3 37,054.0
131.9 96.1
94,916.5 91,865.1
76.3 81.4
650.5 705.7
95,643.3 92,652.2
57,924.2 58,704.0
20,024.0 19,389.5
37,900.2 39,314.5
n.a. n.a.
34,385.1 31,117.3
377.2 251.2
3,653.1 4,229.7
30,354.8 26,636.4
105.6 108.4
n.a. n.a.
181.7 164.7
3,046.7 2,557.8
95,643.3 92,652.2
n.a. n.a.
452.5 371.0
31,906.9 33,830.7
14.4 14.9
n.a. n.a.
0.0 n.a.
1,104.1 1,054.3
Original Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
433.0 500.6
332.6 -487.2
272.2 -548.1
n.a. n.a.
69.5 80.8
-9.1 -19.9
280.4 250.2
127.0 93.2
n.a. n.a.
358.2 -330.0
70.3 -135.0
287.9 -195.0
765.6 13.4
n.a. n.a.
13.50 9.60
9.70 7.00
2,540.0 n.a.
2,483.0 n.a.
n.a. n.a.
IFRS IFRS
Original Original
31/12/2009 31/12/2008
12 months 12 months
mil EUR mil EUR
2,203.8 4,032.6
1,082.4 95.2
n.a. n.a.
3,286.2 4,127.8
n.a. n.a.
2,853.2 3,627.2
2,853.2 3,627.2
433.0 500.6
272.2 -548.1
-10.9 -46.4
n.a. n.a.
n.a. n.a.
69.5 80.8
1.8 26.5
332.6 -487.2
132.3 120.1
148.1 130.1
280.4 250.2
n.a. n.a.
485.2 -236.8
127.0 93.2
n.a. n.a.
358.2 -330.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
358.2 -330.0
70.3 -135.0
n.a. n.a.
287.9 -195.0
17.7 -52.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
305.6 -247.4
2.6 n.a.
285.3 -195.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
32,920.3 29,187.1
452.5 371.0
32,467.8 28,816.1
32,920.3 29,187.1
n.a. n.a.
n.a. n.a.
23,901.5 25,650.8
n.a. n.a.
7,765.9 7,926.8
322.0 248.1
n.a. n.a.
n.a. n.a.
30,327.4 29,127.2
n.a. n.a.
38,415.3 37,302.1
n.a. n.a.
n.a. n.a.
9.4 9.6
n.a. n.a.
122.5 86.5
94,916.5 91,865.1
239.5 253.1
n.a. n.a.
n.a. n.a.
76.3 81.4
n.a. 0.0
14.4 14.9
159.9 171.7
114.2 129.4
n.a. n.a.
122.5 136.6
95,643.3 92,652.2
20,024.0 19,389.5
n.a. n.a.
n.a. n.a.
20,024.0 19,389.5
37,900.2 39,314.5
n.a. n.a.
n.a. n.a.
57,924.2 58,704.0
29,188.9 25,509.8
1,104.1 1,054.3
61.8 72.3
30,354.8 26,636.4
377.2 251.2
3,653.1 4,229.7
92,309.3 89,821.3
n.a. n.a.
n.a. n.a.
181.7 164.7
23.9 22.0
23.1 0.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
58.6 86.4
92,596.6 90,094.4
0.0 n.a.
n.a. n.a.
3,037.2 2,568.3
52.0 49.7
-42.5 -60.2
n.a. n.a.
n.a. 0.0
3,046.7 2,557.8
95,643.3 92,652.2
2,918.1 2,413.5
2,918.1 2,413.5
7.12 14.38
n.a. n.a.
3.50 4.57
3.11 4.13
0.46 0.55
0.33 0.45
0.46 0.55
43.44 n.s.
36.62 n.s.
0.30 0.28
17.50 -8.64
0.51 -0.26
26.17 -39.36
12.92 -12.04
0.38 -0.36
19.63 40.91
2.56 n.a.
1.89 n.a.
10.38 -7.12
0.30 -0.21
11.02 -9.03
0.32 -0.27
n.a. n.a.
1.52 n.a.
1.61 n.a.
15.37 n.a.
15.37 n.a.
3.06 2.75
9.70 7.00
13.50 9.60
n.a. n.a.
3.19 2.76
n.a. n.a.
n.a. n.a.
n.a. n.a.
9.45 -7.62
3.23 4.52
12.79 9.47
n.a. n.a.
1.37 1.27
n.a. n.a.
n.a. n.a.
0.41 0.33
n.a. n.a.
n.a. n.a.
164.40 150.53
63.06 65.25
21.78 21.65
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
95,643.3 92,652.2
18,981.0 n.a.
n.a. n.a.
18,981.0 n.a.
30,960.6 28,043.7
93,940.9 90,296.7
94,642.5 90,899.5
n.a. n.a.
91,600.3 87,864.0
2,756.2 2,738.5
2,773.2 2,740.3
19,794.5 18,022.4
2,420.8 2,241.0
2,466.2 2,000.1
9,519.1 8,148.4
18,514.2 15,394.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,831.3 3,985.9
2,314.1 3,232.8
7,734.7 7,808.6
11,021.4 9,459.4
3,127.6 n.a.
851.2 n.a.
1,964.0 n.a.
10,255.2 n.a.
n.a. 3,314.7
n.a. 1,072.3
n.a. 1,926.4
n.a. 10,269.7
9,833.3 12,240.8
8,156.9 8,701.0
6,743.1 5,529.4
13,166.9 9,243.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,104.1 1,054.3
n.a. n.a.
287.9 -195.0
n.a. n.a.
287.9 n.a.
3,046.7 2,557.8
n.a. n.a.
n.a. n.a.
3,046.7 n.a.
3,046.7 2,557.8
0.0 0.0
0.0 0.0
0.0 0.0
14.4 14.9
114.2 129.4
0.0 0.0
0.0 0.0
2,918.1 2,413.5
0.0 0.0
0.0 0.0
2,918.1 2,413.5
1,250.6 1,034.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,203.8 4,032.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
649.4 604.6
n.a. n.a.
1,950.1 1,963.7
68.0 n.a.
n.a. n.a.
n.a. n.a.
52.0 49.7
2,994.7 2,508.1
3,046.7 2,557.8
-42.5 -60.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
-42.5 -60.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
369.7 n.a.
327.2 -60.2
n.a. n.a.
327.2 -60.2
n.a. n.a.
3,046.7 2,557.8
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
114.2 n.a.
n.a. n.a.
n.a. n.a.
0.0 0.0
0.0 0.0
0.0 0.0
0.0 0.0
0.0 0.0
0.0 0.0
0.0 0.0
2,483.0 n.a.
2,540.0 n.a.
9.70 7.00
13.50 9.60
18,981.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
38,415.3 37,302.1
n.a. n.a.
38,415.3 37,302.1
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,544 1,530
n.a. n.a.
9.70 7.00
n.a. n.a.
13.50 9.60
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
236.9 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2009 31/12/2008
1.38 1.27
29.33 18.62
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
9.70 7.00
13.50 9.60
3.19 2.76
9.38 8.88
5.26 4.36
3.33 2.87
4.34 3.90
12.78 12.54
7.17 6.15
4.54 4.06
26.60 29.19
0.46 0.56
0.46 0.55
0.35 -0.54
0.43 0.38
n.a. n.a.
-0.08 0.15
0.31 -0.22
10.27 -7.19
n.a. n.a.
n.a. n.a.
n.a. n.a.
36.63 n.s.
0.52 -0.26
63.06 65.25
33.95 31.10
56.05 49.09
35.60 32.46
55.08 57.63
34.98 38.11
Source
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
Source
VI
IFRS IFR
Unqualified Audite
Original Origina
31/12/2007 31/12/200
12 months 12 month
mil EUR mil EU
26,355.1 25,527.
26,662.3 25,869.
307.2 341.
61,747.3 55,132.
26,533.8 25,860.
156.9 101.
7,597.1 4,389.
27,459.5 24,780.
88,102.4 80,660.
96.9 98.
446.1 438.
88,645.4 81,197.
53,372.6 45,923.
16,411.4 14,448.
36,961.2 31,475.
n.a. n.a
32,051.9 32,076.
194.1 192.
1,842.8 1,683.
30,015.0 30,200.
180.8 184.
n.a. n.a
171.6 199.
2,868.5 2,813.
88,645.4 81,197.
n.a. n.a
307.2 341.
34,263.4 30,370.
14.6 12.
n.a. n.a
n.a. n.a
1,047.1 928.
Unqualified Audite
Original Origina
31/12/2007 31/12/200
12 months 12 month
mil EUR mil EU
426.9 387.
86.7 140.
-63.9 17.
n.a. n.a
89.0 80.
61.6 42.
233.0 217.
31.8 15.
n.a. n.a
248.8 294.
79.1 -52.
169.7 346.
513.6 527.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
Unqualified Audite
Original Origina
31/12/2007 31/12/200
12 months 12 month
mil EUR mil EU
3,709.0 3,026.
87.5 78.
n.a. n.a
3,796.5 3,105.
n.a. n.a
3,369.6 2,717.
3,369.6 2,717.
426.9 387.
-63.9 17.
28.9 31.
n.a. n.a
n.a. n.a
89.0 80.
32.7 11.
86.7 140.
124.1 119.
108.9 97.
233.0 217.
n.a. n.a
280.6 310.
31.8 15.
n.a. n.a
248.8 294.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
248.8 294.
79.1 -52.
n.a. n.a
169.7 346.
-66.8 59.
n.a. n.a
n.a. n.a
n.a. n.a
102.9 405.
n.a. n.a
169.7 346.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
26,662.3 25,869.
307.2 341.
26,355.1 25,527.
26,662.3 25,869.
n.a. n.a
n.a. n.a
26,533.8 25,860.
n.a. n.a
7,597.1 4,389.
156.9 101.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
7,754.0 4,491.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
27,459.5 24,780.
88,102.4 80,660.
132.5 120.
n.a. n.a
n.a. n.a
96.9 98.
0.0 0.
14.6 12.
148.4 133.
10.6 28.
n.a. n.a
140.0 143.
88,645.4 81,197.
16,411.4 14,448.
n.a. n.a
n.a. n.a
16,411.4 14,448.
36,961.2 31,475.
n.a. n.a
n.a. n.a
53,372.6 45,923.
28,967.9 29,272.
1,047.1 928.
n.a. n.a
30,015.0 30,200.
194.1 192.
1,842.8 1,683.
85,424.5 77,999.
n.a. n.a
n.a. n.a
171.6 199.
50.0 67.
0.0 0.
n.a. n.a
n.a. n.a
n.a. n.a
130.8 116.
85,776.9 78,384.
n.a. n.a
n.a. n.a
2,814.7 2,699.
61.6 54.
-7.8 59.
n.a. n.a
0.0 0.
2,868.5 2,813.
88,645.4 81,197.
n.a. n.a
n.a. n.a
14.12 n.a
n.a. n.a
4.50 n.a
4.12 n.a
0.51 n.a
0.47 n.a
0.51 n.a
16.88 26.5
45.37 41.2
0.27 n.a
9.88 n.a
0.33 n.a
11.33 5.1
8.76 n.a
0.29 n.a
31.79 -17.7
n.a. n.a
n.a. n.a
5.97 n.a
0.20 n.a
3.62 n.a
0.12 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3.22 3.4
n.a. n.a
n.a. n.a
n.a. n.a
3.24 3.4
n.a. n.a
n.a. n.a
n.a. n.a
5.92 12.3
9.17 n.a
3.07 n.a
n.a. n.a
1.15 1.3
n.a. n.a
n.a. n.a
0.12 n.a
n.a. n.a
n.a. n.a
162.46 179.0
71.79 82.1
19.26 18.5
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
88,645.4 81,197.
n.a. n.a
n.a. n.a
n.a. n.a
26,265.7 n.a
84,381.5 n.a
84,921.6 n.a
n.a. n.a
81,712.2 n.a
2,757.3 n.a
2,841.1 n.a
15,429.8 n.a
1,834.5 2,106.
2,233.0 1,826.
7,541.5 7,246.
15,053.3 14,689.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
7,132.9 5,209.
2,772.5 2,364.
8,261.3 8,274.
7,285.6 8,927.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
4,313.3 4,044.
686.8 551.
11,411.3 9,852.
n.a. n.a
19,529.3 13,578.
4,573.5 2,574.
12,858.4 15,322.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,047.1 928.
n.a. n.a
169.7 346.
n.a. n.a
n.a. n.a
2,868.5 2,813.
n.a. n.a
n.a. n.a
n.a. n.a
2,868.5 2,813.
n.a. n.a
n.a. n.a
0.0 0.
14.6 12.
10.6 28.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3,709.0 3,026.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
604.6 604.
n.a. n.a
2,210.1 2,095.
n.a. n.a
n.a. n.a
n.a. n.a
61.6 54.
2,806.9 2,758.
2,814.7 2,699.
-7.8 59.
n.a. n.a
n.a. n.a
n.a. n.a
-7.8 59.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
-7.8 59.
n.a. n.a
-7.8 59.
n.a. n.a
2,868.5 2,813.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
7,754.0 4,491.
n.a. n.a
7,754.0 4,491.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
1,483 n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
130.5 118.
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
IFRS IFR
Unqualified Audite
31/12/2007 31/12/200
1.15 1.3
7.45 4.0
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
n.a. n.a
3.24 3.4
10.88 11.0
5.37 6.1
3.39 3.6
4.42 4.6
14.86 14.6
7.34 8.1
4.62 4.8
26.74 24.8
0.51 0.4
0.50 0.4
0.10 0.1
0.31 0.2
n.a. n.a
-0.09 0.0
0.20 0.4
5.97 12.3
n.a. n.a
n.a. n.a
n.a. n.a
45.37 41.2
0.33 0.3
71.79 82.1
29.73 31.4
49.38 55.5
31.24 33.1
64.20 66.1
40.61 39.4
IFRS
Audited
Original
31/12/2006
12 months
mil EUR
25,527.6
25,869.0
341.4
55,132.9
25,860.8
101.8
4,389.5
24,780.8
80,660.5
98.6
438.6
81,197.7
45,923.1
14,448.1
31,475.0
n.a.
32,076.8
192.7
1,683.3
30,200.8
184.4
n.a.
199.8
2,813.6
81,197.7
n.a.
341.4
30,370.3
12.7
n.a.
n.a.
928.3
Audited
Original
31/12/2006
12 months
mil EUR
387.7
140.1
17.2
n.a.
80.5
42.4
217.7
15.8
n.a.
294.3
-52.2
346.5
527.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
Original
31/12/2006
12 months
mil EUR
3,026.8
78.5
n.a.
3,105.3
n.a.
2,717.6
2,717.6
387.7
17.2
31.4
n.a.
n.a.
80.5
11.0
140.1
119.9
97.8
217.7
n.a.
310.1
15.8
n.a.
294.3
n.a.
n.a.
n.a.
n.a.
n.a.
294.3
-52.2
n.a.
346.5
59.0
n.a.
n.a.
n.a.
405.5
n.a.
346.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
25,869.0
341.4
25,527.6
25,869.0
n.a.
n.a.
25,860.8
n.a.
4,389.5
101.8
n.a.
n.a.
n.a.
n.a.
4,491.3
n.a.
n.a.
n.a.
n.a.
24,780.8
80,660.5
120.0
n.a.
n.a.
98.6
0.0
12.7
133.9
28.2
n.a.
143.8
81,197.7
14,448.1
n.a.
n.a.
14,448.1
31,475.0
n.a.
n.a.
45,923.1
29,272.5
928.3
n.a.
30,200.8
192.7
1,683.3
77,999.9
n.a.
n.a.
199.8
67.7
0.0
n.a.
n.a.
n.a.
116.7
78,384.1
n.a.
n.a.
2,699.9
54.7
59.0
n.a.
0.0
2,813.6
81,197.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
26.54
41.25
n.a.
n.a.
n.a.
5.10
n.a.
n.a.
-17.74
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3.45
n.a.
n.a.
n.a.
3.47
n.a.
n.a.
n.a.
12.32
n.a.
n.a.
n.a.
1.32
n.a.
n.a.
n.a.
n.a.
n.a.
179.05
82.16
18.57
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
81,197.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,106.5
1,826.6
7,246.3
14,689.6
n.a.
n.a.
n.a.
n.a.
5,209.8
2,364.5
8,274.9
8,927.8
n.a.
n.a.
n.a.
n.a.
4,044.7
551.0
9,852.4
n.a.
13,578.3
2,574.3
15,322.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
928.3
n.a.
346.5
n.a.
n.a.
2,813.6
n.a.
n.a.
n.a.
2,813.6
n.a.
n.a.
0.0
12.7
28.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,026.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
604.6
n.a.
2,095.3
n.a.
n.a.
n.a.
54.7
2,758.9
2,699.9
59.0
n.a.
n.a.
n.a.
59.0
n.a.
n.a.
n.a.
n.a.
59.0
n.a.
59.0
n.a.
2,813.6
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,491.3
n.a.
4,491.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
118.0
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2006
1.32
4.08
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3.47
11.02
6.13
3.63
4.61
14.66
8.15
4.83
24.81
0.48
0.48
0.17
0.29
n.a.
0.06
0.43
12.32
n.a.
n.a.
n.a.
41.25
0.38
82.16
31.44
55.59
33.12
66.13
39.41
Danske Bank A/S
1092 COPENHAGEN K
DENMARK
Publicly quoted
Contact details
HOLMENS KANAL 2-12
1092 COPENHAGEN K
DENMARK
Formerly known as
Bank History :
Established on October 5, 1871 as Danske Landmandsbank, Hypothek-og Vekselbank. In 1990, its name changed to Den Danske B
Status
Name of the Auditor
Latest total assets

Latest net income
Market cap. (30/10/2012)
Specialisation
Peer Group
Peer Group Name

Size
Country ratings (DENMARK, as at 03/11/2012)
EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income

Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities

Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
General information

Current market capitalisation (th DKK):
Type of share:
ISIN number:
SEDOL number:
Ticker symbol:
Nominal value (DKK):
Stock index information:

Market price - Year (DKK)

Market price - May
Market price - June
Market price - July
Current market price (DKK)

Price trends (%)

BETA
Reference index 1: OMX COPENHAGEN 20

Reference index 2:
Reference index 3:
Reference index 4:
Reference index 5:

Date
1 31/10/2012
2 31/10/2012
3 01/10/2012
4 28/09/2012
5 15/08/2012
6 14/08/2012
7 08/08/2012
8 06/07/2012
9 26/06/2012
10 13/06/2012
11 10/05/2012
12 03/05/2012
13 27/04/2012
14 10/04/2012
15 27/03/2012
16 10/02/2012
17 08/02/2012
18 31/01/2012
19 27/01/2012
20 26/01/2012
21 11/01/2012
22 01/01/2012
23 21/12/2011
24 02/12/2011
25 22/11/2011
26 16/11/2011
27 04/11/2011
28 25/10/2011
29 11/10/2011
30 30/09/2011
31 31/08/2011
32 08/08/2011
33 19/07/2011
34 19/07/2011
35 13/07/2011
36 13/07/2011
37 05/07/2011
38 01/07/2011
39 10/06/2011
40 10/06/2011
41 16/05/2011
42 29/04/2011
43 19/04/2011
44 14/04/2011
45 06/04/2011
46 31/03/2011
47 18/03/2011
48 17/03/2011
49 03/03/2011
50 03/03/2011
Source : Zephyr
Boards & committees
1.
2.
3.
4.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
Management & staff
1.
2.
3.
4.
5.
6.
7.
8.
changed to Den Danske Bank, following the merger with Copenhagen Handelsbank and Provinsbanken. On April 1, 2000, absorbed Danica Bank
Active
mil DKK
KPMG C Jespersen
3,424,403 mil DKK

1,723 mil DKK
87,583.5 mil DKK
30
540
Commercial Banks

News
Danske Bank completes private placement
Danske Bank to sell its non-core assets (d
Danske Bank reduces its stake in Roblon (
Danske Bank sells Tivoli shares (deal no. 1
Stibo acquires the Danish operations of Co
Nets Holding has agreed to acquire Luotto
Shares of Thrane & Thrane delsited (deal n
Danske Bank sells SkandiaMäklarna to thr
Board of Eniro completes capital increase (
Danske Bank ready to divest Danica Pensi
CVC completes acquisition of Ahlsell (deal
Cobham withdraws first offer for Thrane &
Finnish banks and retailers consider auctio
Cobham makes offer for Thrane & Thrane
Spar Nord Bank completes rights issue (de
Priveq acquires Smoke Free Systems (dea
Clyde Blowers Capital has acquired Moven
Murata has completed the acquisition of V
TGH Investments acquires STT Condigi Ho
Four bidders are interested in Luottokunta
LNI Acquisition has acquired Vattenfall's el
Toms Gruppen acquires Hanseatische Cho
Erria issues new shares Danske Bank and
Etac acquires R82 from Fondsmæglerselsk
Cevian acquires stake in Danske Bank (de
Clyde Blowers to take on Moventas (deal n
Cellectis completes acquisition of Cellactis
Morgan Stanley, SEB and Danske Bank ac
Vattenfall ‘could fetch EUR 1bn for Finnish
Orkla's offer for Jotun expires (deal no. 16
Archer completes private placement to Sea
Cinven mulls Ahlsell sale: FT (deal no. 160
EQT acquires Atos Medical (deal no. 16012
Erätukku has been subject to managemen
NC Advisory sells remaining stake in Falck
Citycon has held a capital increase (deal n
Höegh LNG Holdings lists on Oslo (deal no
Ramirent acquires Rogaland Planbygg (dea
Höegh LNG prepares to float (deal no. 160
Brio delisted (deal no. 1601253874)
Simtronics delists (deal no. 1601202670)
Sanoma completes divestment of movie o
Finnish government and Ilmarinen have ac
Dalhoff Larsen & Horneman completes righ
Danske Bank completes rights issue (deal
Kemira has sold its shares in Tikkurila (dea
Sanistål completes conversion of debt (dea
ISS is still planning to list (deal no. 16011
ISS to return to the public market (deal no
3i Group's and managements's acquisition
Name
Mr. Ole Gjessø Andersen
P124300339
Mr. Alf Duch Pedersen

P005139564
Mr. Niels Bjørn Christiansen

P014158297
Mr. Eivind Drachmann Kolding
P009795602
Mrs. Birgit Aagaard-Svendsen
P002081096
Mrs. Susanne Arboe

P115567985
Mr. Åke Per-Urban Bäckström
P122927713
Mrs. Helle Lissy Mølgaard Brøndum
P057334593
Mr. Carsten Garde Eilertsen
P115567984
Mr. Michael Edward Fairey
P005956772
Mrs. Charlotte Hoffmann Fallesen

P057334592
Mr. Peter Højland
P038936238
Mr. Mats Gustav Jansson

P043915823
Mr. Jørn Peter Jensen

P002055728
Mr. Sten Scheibye
P014381042
Mr. Majken Schultz
P063016032
Mr. Per Erik Alling Toubro

P057334589
Mr. Claus Vastrup
P057334587
Mr. Trond Ødegård Westlie

P062790545
Mr. Peter Straarup
P039822987
Mr. Tonny Thierry Andersen
P014293834
Mr. Thomas Fredrick Borgen
P039821734
Mr. Henrik Ramlau-Hansen
P039790245
Mr. Georg Franz Friedrich Schubiger
P039833279
Name
Mr. Tonny Thierry Andersen
P014293834
Mr. Thomas Fredrick Borgen
P039821734
Mr. Eivind Drachmann Kolding

P009795602
Mr. Lars Stensgaard Mørch
P132733474
Mr. Henrik Ramlau-Hansen
P039790245
Mr. Peter Straarup

P039822987
Mr. Georg Franz Friedrich Schubiger
P039833279
Mr. Damborg Per Skovhus

P039481542
00, absorbed Danica Bank. On September 1, 2000, changed its name to Danske Bank A/S. On March 27, 2001, Danske Bank A/S absorbed Rea
tive
l DKK
PMG C Jespersen
424,403 mil DKK

723 mil DKK
,583.5 mil DKK
0
ommercial Banks
Rating Date
A 01/10/2012
BBB 01/10/2012
931,739,034
87,583,469
Ordinary Shares
DK0010274414
4588825
DANSKE
10.00
Nasdaq OMX - Copenhagen

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Munchen
Boerse Stuttgart
OMX COPENHAGEN 20 - DENMARK
2012 2011
83.00 146.00
100.50 126.90
94.50 116.50
91.25 121.00
79.55 109.00
81.40 95.25
90.00 100.50
103.00 76.80
104.70 78.55
n.a. 74.50
n.a. 77.00
n.a. 72.95
mpletes private placement (deal no. 1601415847)
sell its non-core assets (deal no. 1601416329)
uces its stake in Roblon (deal no. 1601407355)
s Tivoli shares (deal no. 1601406979)
e Danish operations of Color Print (deal no. 1601394614)
agreed to acquire Luottokunta (deal no. 1601394913)
& Thrane delsited (deal no. 1601366851)
s SkandiaMäklarna to three franchisees (deal no. 1601385603)
mpletes capital increase (deal no. 1601367994)
dy to divest Danica Pension (deal no. 1601377680)
cquisition of Ahlsell (deal no. 1601291231)
ws first offer for Thrane & Thrane (deal no. 1601359572)
d retailers consider auctioning off Luottokunta: Kauppalehti (deal no. 1601364880)
ffer for Thrane & Thrane (deal no. 1601359572)
completes rights issue (deal no. 1601341233)
moke Free Systems (deal no. 1601343635)
pital has acquired Moventas Wind and Moventas Santasalo (deal no. 1601302287)
leted the acquisition of VTI Technologies (deal no. 1601307324)
s acquires STT Condigi Holding (deal no. 1601337878)
interested in Luottokunta (deal no. 1601364880)
as acquired Vattenfall's electricity and heat assets in Finland (deal no. 1601307537)
cquires Hanseatische Chocolade (deal no. 1601363067)
shares Danske Bank and Finansiel Stabilitet (deal no. 1601319298)
2 from Fondsmæglerselskabet Maj Invest and Mr Flemming Møller (deal no. 1601321672)
stake in Danske Bank (deal no. 1601318414)
take on Moventas (deal no. 1601302287)
es acquisition of Cellactis (deal no. 1601300392)
SEB and Danske Bank acquire shares in Vestas (deal no. 1601311728)
fetch EUR 1bn for Finnish assets’ (deal no. 1601307537)
otun expires (deal no. 1601296657)
s private placement to Seadrill and Lime Rock Partners (deal no. 1601289569)
sell sale: FT (deal no. 1601291231)
s Medical (deal no. 1601290045)
en subject to management buy-out (deal no. 1601286921)
remaining stake in Falck (deal no. 1601266686)
a capital increase (deal no. 1601285492)
ngs lists on Oslo (deal no. 1601268810)
s Rogaland Planbygg (deal no. 1601281167)
ares to float (deal no. 1601268810)
al no. 1601253874)
s (deal no. 1601202670)
es divestment of movie operations to Ratos (deal no. 1601236427)
ent and Ilmarinen have acquired Fortum Power and Heat's stake in Fingrid (deal no. 1601077448)
Horneman completes rights issue (deal no. 1601244604)
mpletes rights issue (deal no. 1601245471)
ts shares in Tikkurila (deal no. 1601259138)
es conversion of debt (deal no. 1601249979)
ng to list (deal no. 1601138250)
he public market (deal no. 1601138250)
anagements's acquisition of OneMed Group has completed (deal no. 1601221648)
Original job title

- Chairman (since 23/03/2010)
- Member of the Audit Committee
- Member of the Credit and Risk Committee
- Chairman of the Board of Directors
- Member of the Remuneration Committee

- Member of the Nomination Committee
- Deputy chairman of the board (since 14/04/2011)
- Vice Chairman
- Member of the Remuneration Committee
- Member of the Nomination Committee

- Director (since 28/03/1995)
- Chairman of the Audit Committee (since 04/03/2009)
- Elected by employees; Director (since 23/03/2010)
- Member of the board (since 16/04/2012)
- Director; Elected by employees (since 19/03/2002)
- Elected by employees; Director (since 23/03/2010)



- Chairman of the Executive Board
- Member of the Executive Board (since 01/09/2006)
Original job title

- General manager (since 27/06/2006)
- Head of Banking Activities Denmark

- Head of the Group's International Banking Activities, Corporate and Inst

- Managing director (since 15/02/2012)
- Head of Group Finance

- Chief Executive Officer
- Head of Group Business Development

- Head of the Group's Shared Services Centre (since 01/10/2010)
- Head of Group Credits

BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
Den Danske Bank
e Bank A/S absorbed RealDanemark A/S, Boligkredit Danmark A/S, DDB I A/S and BG Bank with effect as of January, 1 2001.
Consolidation Code
Nickname
Source
Release Date
Model

World rank, 2011

World rank, rolling
Commercial Banks Europe (Excl. Eastern Europe)

1,148
/10/2012
/10/2012
IFRS
Audited
Original
31/12/2011
12 months
mil DKK
1,847,223.0
1,894,834.0
47,611.0
1,498,058.0
180,870.0
550,970.0
469,038.0
297,180.0
3,345,281.0
7,267.0
71,855.0
3,424,403.0
1,242,382.0
848,994.0
393,388.0
n.a.
1,689,860.0
534,061.0
163,852.0
991,947.0
365,834.0
n.a.
472.0
125,855.0
3,424,403.0
113,300.0
47,611.0
568,272.0
22,233.0
253,545.0
44,850.0
22,478.0
Audited
Original
31/12/2011
12 months
mil DKK
27,414.0
17,691.0
2,851.0
n.a.
8,669.0
6,171.0
26,977.0
13,075.0
-848.0
4,205.0
2,482.0
1,723.0
45,025.0
0.0
17.90
16.00
162,065.0
145,017.0
6,277.0
IFRS
Audited
Original
31/12/2011
12 months
mil DKK
60,178.0
14,714.0
n.a.
74,892.0
27,323.0
20,155.0
47,478.0
27,414.0
2,851.0
n.a.
n.a.
1,717.0
8,669.0
4,374.0
17,611.0
13,941.0
13,036.0
26,977.0
80.0
18,128.0
13,075.0
110.0
4,943.0
n.a.
16.0
754.0
n.a.
n.a.
4,205.0
2,482.0
n.a.
1,723.0
-923.0
n.a.
235.0
n.a.
1,035.0
11.0
1,712.0
0.0
n.a.
720,741.0
n.a.
n.a.
n.a.
1,174,093.0
47,611.0
1,847,223.0
1,894,834.0
113,300.0
720,741.0
180,870.0
n.a.
358,785.0
550,970.0
97,866.0
11,398.0
989.0
n.a.
1,020,008.0
n.a.
n.a.
4,624.0
292,556.0
n.a.
3,345,281.0
28,617.0
n.a.
n.a.
7,267.0
18,631.0
3,602.0
580.0
1,791.0
n.a.
18,634.0
3,424,403.0
600,252.0
22,223.0
226,519.0
848,994.0
393,388.0
n.a.
n.a.
1,242,382.0
924,619.0
22,478.0
n.a.
947,097.0
534,061.0
163,852.0
2,887,392.0
n.a.
n.a.
472.0
423.0
6,278.0
n.a.
n.a.
318,177.0
40,956.0
3,253,698.0
44,850.0
n.a.
128,234.0
60.0
-2,253.0
-186.0
n.a.
125,855.0
3,424,403.0
n.a.
n.a.
3.18
3.14
2.36
1.74
0.86
0.45
0.86
39.11
59.92
0.83
15.42
0.56
72.73
4.21
0.15
59.02
2.00
0.55
1.47
0.05
0.88
0.03
n.a.
0.19
0.11
n.a.
n.a.
3.05
16.00
17.90
11.80
3.68
0.00
0.00
n.a.
1.37
6.55
0.36
5.98
2.51
42.02
52.19
0.69
0.33
5.98
223.19
45.98
36.08
n.a.
n.a.
83,131.0
n.a.
170,414.0
n.a.
3,677,948.0
905,979.0
n.a.
905,979.0
1,892,711.6
3,173,379.8
3,254,451.0
n.a.
2,735,101.0
119,354.0
117,545.6
871,318.6
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
774,421.0
39,775.0
29,001.0
11,845.0
381,012.0
2,022.0
12,736.0
117.0
n.a.
378,060.0
546,559.0
n.a.
924,619.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
22,478.0
n.a.
1,723.0
n.a.
1,723.0
125,855.0
n.a.
n.a.
125,855.0
125,855.0
0.0
60.0
18,631.0
3,602.0
0.0
n.a.
n.a.
n.a.
-26,026.0
26,026.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
60,178.0
n.a.
n.a.
n.a.
n.a.
n.a.
27,323.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
97,866.0
n.a.
n.a.
n.a.
n.a.
n.a.
11,398.0
n.a.
n.a.
n.a.
n.a.
n.a.
6,277.0
n.a.
6,277.0
4,132.0
44,472.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
9,317.0
n.a.
118,917.0
n.a.
n.a.
n.a.
60.0
125,795.0
125,855.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
125,855.0
n.a.
n.a.
n.a.
n.a.
0.0
0.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
-26,026.0
145,017.0
162,065.0
16.00
17.90
905,979.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,020,008.0
n.a.
1,020,008.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
16.00
11.80
17.90
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2011
2.51
47.70
42.02
5.98
0.33
42.42
90.02
52.19
16.00
17.90
3.68
6.81
10.13
3.90
5.64
10.46
15.55
5.98
11.64
0.85
0.83
0.53
1.21
0.15
-0.10
0.05
1.49
0.00
1.49
-49.22
59.81
0.55
45.98
53.94
148.68
64.48
45.74
19.84
ARK
2010 2009
129.50 59.00
124.50 37.30
135.60 47.20
147.30 62.75
122.90 89.25
118.10 91.50
134.70 108.75
130.70 139.50
131.90 133.25
142.50 117.25
142.40 106.75
143.00 118.00
11)
3/2009)
010)
002)
010)
006)
006)
006)
009)
011)
010)
vities, Corporate and Institutional Banking, Danske Markets and Group Treasury
ince 01/10/2010)
DK61126228
10607
Active
+45 33 44 00 00
+45 33 44 17 08
www.danskebank.com
1 2001.
C2
DANIFRS
Annual Report
10/31/2012
ALLBANKS
1
1
56
57
n
IFRS
Unqualified
Original
31/12/2010
12 months
mil DKK
1,848,446.0
1,888,095.0
39,649.0
1,271,701.0
228,100.0
333,743.0
427,846.0
282,012.0
3,120,147.0
7,861.0
85,878.0
3,213,886.0
1,179,041.0
861,053.0
317,988.0
n.a.
1,561,427.0
318,936.0
159,450.0
1,083,041.0
368,082.0
n.a.
594.0
104,742.0
3,213,886.0
103,100.0
39,649.0
571,753.0
22,936.0
262,100.0
44,604.0
32,732.0
Unqualified
Original
31/12/2010
12 months
mil DKK
29,651.0
15,975.0
872.0
n.a.
8,851.0
6,252.0
26,999.0
12,646.0
469.0
6,450.0
2,786.0
3,664.0
45,562.0
0.0
13.77
11.48
149,745.0
124,837.0
7,685.0
IFRS
Unqualified
Original
31/12/2010
12 months
mil DKK
59,416.0
13,877.0
n.a.
73,293.0
26,919.0
16,723.0
43,642.0
29,651.0
872.0
n.a.
n.a.
3,274.0
8,851.0
2,914.0
15,911.0
13,213.0
13,786.0
26,999.0
64.0
18,627.0
12,646.0
-222.0
6,203.0
n.a.
659.0
412.0
n.a.
n.a.
6,450.0
2,786.0
n.a.
3,664.0
-101.0
n.a.
290.0
n.a.
3,853.0
3.0
3,661.0
0.0
n.a.
701,715.0
n.a.
n.a.
n.a.
1,186,380.0
39,649.0
1,848,446.0
1,888,095.0
103,100.0
701,715.0
228,100.0
n.a.
308,250.0
333,743.0
107,699.0
10,857.0
1,040.0
n.a.
761,589.0
n.a.
n.a.
4,799.0
277,213.0
n.a.
3,120,147.0
35,403.0
n.a.
n.a.
7,861.0
18,773.0
4,163.0
1,404.0
1,693.0
n.a.
24,442.0
3,213,886.0
861,053.0
n.a.
n.a.
861,053.0
317,988.0
n.a.
n.a.
1,179,041.0
1,005,705.0
32,732.0
n.a.
1,038,437.0
318,936.0
159,450.0
2,695,864.0
n.a.
n.a.
594.0
858.0
6,003.0
n.a.
n.a.
305,409.0
55,812.0
3,064,540.0
44,604.0
n.a.
106,193.0
15.0
-1,330.0
-136.0
n.a.
104,742.0
3,213,886.0
62,233.5
102,842.3
3.15
3.22
2.32
1.59
0.94
0.54
0.94
34.92
59.26
0.83
18.15
0.57
66.70
6.04
0.19
43.19
2.21
0.73
3.57
0.11
3.75
0.12
n.a.
0.43
0.46
7.37
12.18
2.56
11.48
13.77
n.a.
3.26
0.00
0.00
n.a.
3.50
3.72
2.16
5.46
2.10
38.46
60.58
0.67
0.41
5.46
219.28
71.73
36.23
n.a.
n.a.
90,290.0
n.a.
171,810.0
n.a.
3,475,986.0
844,209.0
n.a.
844,209.0
1,884,870.8
3,158,893.2
3,249,194.6
n.a.
2,751,698.0
104,034.6
102,640.8
835,450.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
797,784.0
26,709.0
28,675.0
12,071.0
318,538.0
639.0
308.0
578.0
n.a.
367,012.0
638,693.0
n.a.
1,005,705.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
32,732.0
n.a.
3,664.0
n.a.
3,664.0
104,742.0
n.a.
n.a.
n.a.
104,742.0
0.0
15.0
18,773.0
4,163.0
0.0
19,221.0
336.5
62,233.5
14,582.8
26,026.0
102,842.3
26,671.4
n.a.
n.a.
n.a.
n.a.
59,416.0
n.a.
n.a.
n.a.
n.a.
n.a.
26,919.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
107,699.0
n.a.
n.a.
n.a.
n.a.
n.a.
10,857.0
n.a.
n.a.
n.a.
n.a.
n.a.
7,685.0
n.a.
7,685.0
4,568.0
39,201.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,988.0
n.a.
99,205.0
n.a.
n.a.
n.a.
15.0
104,727.0
104,742.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
104,742.0
n.a.
n.a.
n.a.
n.a.
0.0
0.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
15,965.0
28,635.0
40,608.8
14,582.8
124,837.0
149,745.0
11.48
13.77
844,209.0
n.a.
n.a.
n.a.
n.a.
844,209.0
57,032.0
3,462.7
7,042.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
761,589.0
n.a.
761,589.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
11.48
n.a.
13.77
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2010
2.10
42.65
38.46
5.46
0.41
47.12
98.43
60.58
11.48
13.77
3.26
5.67
8.88
3.46
5.67
9.85
15.44
6.01
17.98
0.97
0.94
0.51
1.26
0.19
-0.07
0.12
3.57
0.00
3.57
12.80
59.18
0.59
71.73
57.51
156.78
69.41
48.49
21.47
2008
177.25
189.00
174.25
165.75
164.50
137.00
136.75
143.25
124.75
86.00
68.25
52.00
Body
BoD
AudC
OthBC
BoD
RemC
NomC
OthBC
BoD
BoD
RemC
NomC
OthBC
BoD
AudC
BoD
BoD
BoD
BoD
BoD
AudC
BoD
BoD
OthBC
BoD
AudC
BoD
BoD
AudC
BoD
OthBC
BoD
BoD
AudC
OthBC
BoD
ExeB
ExeB
ExeB
ExeB
ExeB
Dept
SenMan
Oper
SenMan
Oper
SenMan
SenMan
SenMan
FinAcc
SenMan
Oper
OthDep
Oper
Outlook Watch
Stable
IFRS
Unqualified
Original
31/12/2009
12 months
mil DKK
1,815,615.0
1,848,260.0
32,645.0
1,190,274.0
202,356.0
313,387.0
426,730.0
247,801.0
3,005,889.0
8,800.0
83,788.0
3,098,477.0
1,170,749.0
859,580.0
311,169.0
n.a.
1,492,225.0
307,420.0
73,147.0
1,111,658.0
333,756.0
n.a.
1,088.0
100,659.0
3,098,477.0
88,100.0
32,645.0
542,735.0
23,037.0
260,693.0
43,783.0
36,219.0
Unqualified
Original
31/12/2009
12 months
mil DKK
40,418.0
18,229.0
4,638.0
n.a.
7,798.0
5,793.0
27,480.0
23,435.0
-2,977.0
4,755.0
3,042.0
1,713.0
58,316.0
0.0
14.13
11.23
148,343.0
117,929.0
4,228.0
IFRS
Unqualified
Original
31/12/2009
12 months
mil DKK
82,587.0
22,615.0
n.a.
105,202.0
43,545.0
21,239.0
64,784.0
40,418.0
4,638.0
n.a.
n.a.
4,045.0
7,798.0
1,417.0
17,898.0
13,823.0
13,657.0
27,480.0
331.0
31,167.0
23,435.0
630.0
7,102.0
n.a.
68.0
2,415.0
n.a.
n.a.
4,755.0
3,042.0
n.a.
1,713.0
708.0
n.a.
-13.0
n.a.
2,408.0
-14.0
1,727.0
0.0
n.a.
688,473.0
n.a.
n.a.
n.a.
1,159,787.0
32,645.0
1,815,615.0
1,848,260.0
88,100.0
688,473.0
202,356.0
n.a.
306,665.0
313,387.0
110,510.0
8,469.0
1,086.0
n.a.
740,117.0
n.a.
n.a.
4,948.0
242,853.0
n.a.
3,005,889.0
33,714.0
n.a.
n.a.
8,800.0
18,250.0
4,787.0
2,274.0
2,120.0
n.a.
22,643.0
3,098,477.0
859,580.0
n.a.
n.a.
859,580.0
311,169.0
n.a.
n.a.
1,170,749.0
1,031,656.0
36,219.0
n.a.
1,067,875.0
307,420.0
73,147.0
2,619,191.0
n.a.
n.a.
1,088.0
1,197.0
5,391.0
n.a.
n.a.
277,009.0
50,159.0
2,954,035.0
43,783.0
n.a.
102,072.0
0.0
-1,229.0
-184.0
n.a.
100,659.0
3,098,477.0
57,897.0
98,016.5
4.26
5.11
3.33
2.27
1.28
0.54
1.28
30.69
47.12
0.83
31.28
0.94
77.21
7.13
0.21
63.97
3.74
0.85
1.72
0.05
2.42
0.07
n.a.
0.21
0.29
6.94
11.75
2.52
11.23
14.13
n.a.
3.25
0.00
0.00
n.a.
1.70
-12.57
-9.13
4.77
1.77
37.05
55.09
1.21
0.22
4.77
215.02
65.03
37.18
n.a.
n.a.
86,825.0
n.a.
173,868.0
n.a.
3,359,170.0
834,242.0
n.a.
834,242.0
1,940,316.8
3,161,548.0
3,304,787.4
n.a.
2,859,588.8
101,449.2
99,635.6
852,396.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
769,066.0
38,252.0
15,290.0
44,855.0
227,850.0
83,211.0
256.0
1,972.0
n.a.
447,820.0
583,836.0
n.a.
1,031,656.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
36,219.0
n.a.
1,713.0
n.a.
1,713.0
100,659.0
n.a.
n.a.
n.a.
100,659.0
0.0
0.0
18,250.0
4,787.0
0.0
19,215.0
510.0
57,897.0
14,093.5
26,026.0
98,016.5
24,812.9
n.a.
n.a.
n.a.
n.a.
82,587.0
n.a.
n.a.
n.a.
n.a.
n.a.
43,545.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
110,510.0
n.a.
n.a.
n.a.
n.a.
n.a.
8,469.0
n.a.
n.a.
n.a.
n.a.
n.a.
4,228.0
n.a.
4,228.0
4,414.0
32,681.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,988.0
n.a.
95,084.0
n.a.
n.a.
n.a.
0.0
100,659.0
100,659.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
100,659.0
n.a.
n.a.
n.a.
n.a.
0.0
0.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
15,302.0
28,643.0
40,119.5
14,093.5
117,929.0
148,343.0
11.23
14.13
834,242.0
n.a.
n.a.
n.a.
n.a.
834,242.0
56,303.0
3,563.0
68,742.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
740,117.0
n.a.
740,117.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
11.23
n.a.
14.13
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2009
1.77
57.98
37.05
4.77
0.22
16.81
87.52
55.09
11.23
14.13
3.25
5.54
8.60
3.45
5.83
9.95
15.43
6.19
20.05
1.25
1.22
0.55
1.53
0.23
-0.18
0.05
1.72
0.00
1.72
-173.79
46.86
0.94
65.03
58.60
155.08
70.29
46.36
21.01
2007
263.50
260.50
259.50
257.00
241.25
226.00
231.25
224.50
212.25
226.75
204.75
199.75
10/30/2012
94.00
113.40
73.00
10/30/2012
-7.57
-12.96
5.62
-10.22
28.62
23.20
34.77
0.96
1.18
1.27
0.44
0.57
0.63
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.42
0.27
0.24
0.23
0.29
Source
KO, VI
VI
VI
VI
VI
VI
VI
KO, VI
VI
VI
VI
VI
VI
VI
KO, VI
KO
KO, VI
KO, VI
KO, VI
VI
KO, VI
VI
VI
KO, VI
VI
KO
VI
VI
KO, VI
VI
KO, VI
VI
VI
VI
KO
VI
VI
VI
VI
VI
Source
KO
VI
KO
VI
KO
KO
KO
VI
VI
VI
VI
VI
IFRS
Unqualified
Original
31/12/2008
12 months
mil DKK
2,019,294.0
2,033,962.0
14,668.0
1,438,707.0
215,823.0
574,456.0
428,064.0
220,364.0
3,458,001.0
9,061.0
76,912.0
3,543,974.0
1,437,416.0
874,690.0
562,726.0
n.a.
1,687,290.0
581,521.0
41,769.0
1,064,000.0
319,843.0
n.a.
1,178.0
98,247.0
3,543,974.0
43,740.0
14,668.0
518,534.0
25,094.0
281,048.0
17,373.0
40,487.0
Unqualified
Original
31/12/2008
12 months
mil DKK
32,762.0
10,288.0
-590.0
n.a.
8,260.0
2,618.0
25,889.0
11,190.0
-3,742.0
2,229.0
1,193.0
1,036.0
42,852.0
5,940.0
9.74
6.89
124,864.0
88,347.0
946.0
IFRS
Unqualified
Original
31/12/2008
12 months
mil DKK
101,339.0
42,282.0
n.a.
143,621.0
50,321.0
60,538.0
110,859.0
32,762.0
-590.0
n.a.
n.a.
-103.0
8,260.0
2,523.0
10,090.0
13,235.0
12,654.0
25,889.0
198.0
17,161.0
11,190.0
390.0
5,581.0
n.a.
506.0
3,858.0
n.a.
n.a.
2,229.0
1,193.0
n.a.
1,036.0
-1,937.0
n.a.
-217.0
n.a.
-1,118.0
25.0
1,011.0
5,940.0
n.a.
667,181.0
n.a.
n.a.
n.a.
1,366,781.0
14,668.0
2,019,294.0
2,033,962.0
43,740.0
667,181.0
215,823.0
n.a.
286,332.0
574,456.0
134,317.0
6,476.0
939.0
n.a.
1,002,520.0
n.a.
n.a.
4,470.0
215,894.0
n.a.
3,458,001.0
16,379.0
n.a.
n.a.
9,061.0
19,573.0
5,521.0
2,103.0
1,248.0
n.a.
32,088.0
3,543,974.0
874,690.0
n.a.
n.a.
874,690.0
562,726.0
n.a.
n.a.
1,437,416.0
1,006,140.0
40,487.0
n.a.
1,046,627.0
581,521.0
41,769.0
3,107,333.0
n.a.
n.a.
1,178.0
930.0
3,082.0
n.a.
0.0
252,815.0
63,016.0
3,428,354.0
17,373.0
n.a.
100,452.0
22.0
-1,937.0
-290.0
n.a.
98,247.0
3,543,974.0
55,653.0
69,280.5
5.04
5.36
4.25
3.66
0.97
0.64
0.97
23.55
60.41
0.75
16.67
0.49
67.48
5.42
0.16
53.52
1.79
0.58
1.01
0.03
-1.09
-0.03
n.a.
0.11
-0.12
5.80
7.22
2.08
6.89
9.74
n.a.
2.77
573.36
-531.31
n.a.
-4.99
5.81
2.07
2.15
0.72
33.53
29.59
0.56
0.05
2.15
232.54
38.35
34.63
n.a.
n.a.
107,648.0
n.a.
168,179.0
5,221.0
3,825,022.0
960,079.0
n.a.
960,079.0
2,011,154.6
3,376,484.6
3,468,907.0
n.a.
3,029,232.8
103,345.4
102,935.6
938,509.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
783,026.0
31,120.0
24,225.0
57,780.0
549,565.0
30,508.0
1,422.0
2,035.0
n.a.
427,087.0
579,053.0
n.a.
1,006,140.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
40,487.0
n.a.
1,036.0
n.a.
1,036.0
98,247.0
n.a.
n.a.
n.a.
98,247.0
0.0
22.0
19,573.0
5,521.0
0.0
16,886.0
592.0
55,653.0
13,627.5
0.0
69,280.5
23,851.2
n.a.
n.a.
n.a.
n.a.
101,339.0
n.a.
n.a.
n.a.
n.a.
n.a.
50,321.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
284,811.0
n.a.
n.a.
n.a.
n.a.
1,521.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
667,181.0
n.a.
953,513.0
131,298.0
n.a.
n.a.
n.a.
n.a.
3,019.0
n.a.
134,317.0
6,476.0
n.a.
n.a.
n.a.
n.a.
6,476.0
n.a.
n.a.
n.a.
n.a.
4,540.0
946.0
n.a.
946.0
4,668.0
11,190.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,988.0
n.a.
93,464.0
n.a.
n.a.
n.a.
22.0
98,225.0
100,452.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
98,247.0
n.a.
n.a.
n.a.
n.a.
5,940.0
5,940.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
14,738.0
2,574.0
13,627.5
13,627.5
88,347.0
124,864.0
6.89
9.74
960,079.0
n.a.
n.a.
n.a.
n.a.
960,079.0
65,134.0
5,408.0
6,264.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,002,520.0
n.a.
1,002,520.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6.89
n.a.
9.74
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2008
0.72
34.16
33.54
2.15
0.05
7.74
44.52
29.59
6.89
9.74
2.77
4.87
6.84
2.90
4.41
7.73
10.86
4.61
25.94
0.98
0.95
0.30
1.08
0.17
-0.14
0.03
1.02
573.36
-4.84
-361.20
60.14
0.50
38.35
56.98
140.48
65.84
36.07
16.91
2006
215.75
223.25
228.50
235.25
222.00
222.00
224.00
224.00
231.25
245.00
246.00
251.00
IFRS IFRS IFRS
31/12/2007 31/12/2006 31/12/2005
mil DKK mil DKK mil DKK
1,988,222.0 1,656,906.0 1,398,695.0

1,992,769.0 1,661,110.0 1,398,695.0
4,547.0 4,204.0 n.a.
1,272,819.0 1,033,145.0 977,044.0
345,959.0 275,268.0 274,918.0
224,616.0 149,529.0 148,888.0
466,300.0 368,734.0 325,389.0
235,944.0 239,614.0 227,849.0
3,261,041.0 2,690,051.0 2,375,739.0
9,312.0 7,854.0 7,248.0
79,177.0 41,456.0 49,001.0
3,349,530.0 2,739,361.0 2,431,988.0
1,601,350.0 1,267,492.0 1,107,547.0

923,995.0 702,943.0 631,184.0
677,355.0 564,549.0 476,363.0
n.a. n.a. n.a.
1,311,656.0 1,057,138.0 939,609.0
220,787.0 144,412.0 151,029.0
110,760.0 92,112.0 61,013.0
980,109.0 820,614.0 727,567.0
330,494.0 317,634.0 308,529.0
n.a. n.a. n.a.
1,675.0 1,925.0 2,214.0
104,355.0 95,172.0 74,089.0
3,349,530.0 2,739,361.0 2,431,988.0
13,045.0 6,464.0 3,600.0

4,547.0 4,204.0 n.a.
787,341.0 629,012.0 584,432.0
29,296.0 7,384.0 7,626.0
347,285.0 341,025.0 283,830.0
19,064.0 11,464.0 6,376.0

39,961.0 37,487.0 37,461.0

31/12/2007 31/12/2006 31/12/2005
26,515.0 26,098.0 28,793.0
19,429.0 11,981.0 5,836.0
4,079.0 6,758.0 3,895.0
n.a. n.a. n.a.
9,546.0 7,085.0 7,038.0
5,804.0 -1,862.0 -5,097.0
25,018.0 19,602.0 18,543.0
616.0 -524.0 -1,092.0
-1,004.0 -504.0 428.0
19,306.0 18,497.0 17,606.0
4,436.0 4,952.0 4,921.0
14,870.0 13,545.0 12,685.0
45,673.0 37,690.0 34,282.0
5,416.0 6,254.0 6,383.0
9.28 11.44 10.32

6.42 8.63 7.32
121,811.0 127,979.0 97,440.0
84,266.0 96,618.0 69,114.0
847.0 n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
84,158.0 58,922.0 69,818.0

43,566.0 47,802.0 19,086.0
n.a. n.a. n.a.
127,724.0 106,724.0 88,904.0
41,984.0 48,885.0 33,856.0

59,225.0 31,741.0 26,255.0
101,209.0 80,626.0 60,111.0
26,515.0 26,098.0 28,793.0
4,079.0 6,758.0 3,895.0

0.0 0.0 0.0
n.a. n.a. n.a.
2,672.0 -7,459.0 -8,752.0
9,546.0 7,085.0 7,038.0
2,861.0 5,208.0 3,308.0
19,158.0 11,592.0 5,489.0
13,566.0 10,809.0 10,384.0
11,452.0 8,793.0 8,159.0
25,018.0 19,602.0 18,543.0
271.0 389.0 347.0

20,926.0 18,477.0 16,086.0
616.0 -524.0 -1,092.0
71.0 28.0 -4.0
20,239.0 18,973.0 17,182.0
n.a. n.a. n.a.

78.0 157.0 668.0
1,011.0 633.0 554.0
n.a. n.a. n.a.
n.a. n.a. 310.0
19,306.0 18,497.0 17,606.0
4,436.0 4,952.0 4,921.0
n.a. n.a. n.a.
14,870.0 13,545.0 12,685.0
n.a. n.a. n.a.

n.a. n.a. n.a.
-39.0 21.0 20.0
n.a. n.a. n.a.
14,831.0 13,566.0 12,705.0
57.0 -12.0 4.0
14,813.0 13,557.0 12,681.0
5,416.0 6,254.0 6,383.0
n.a. n.a. n.a.
627,809.0 602,584.0 569,092.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,364,960.0 1,058,526.0 829,603.0
4,547.0 4,204.0 n.a.
1,988,222.0 1,656,906.0 1,398,695.0
1,992,769.0 1,661,110.0 1,398,695.0
13,045.0 6,464.0 3,600.0
627,809.0 602,584.0 569,092.0
345,959.0 275,268.0 274,918.0

n.a. n.a. n.a.
427,521.0 341,425.0 295,633.0
224,616.0 149,529.0 148,888.0
35,328.0 22,491.0 24,322.0
2,323.0 3,847.0 4,390.0
1,128.0 971.0 1,044.0
n.a. n.a. n.a.
690,916.0 518,263.0 474,277.0
n.a. n.a. n.a.
n.a. n.a. n.a.
4,904.0 3,914.0 3,626.0
230,981.0 233,904.0 224,018.0
59.0 1,796.0 205.0
3,261,041.0 2,690,051.0 2,375,739.0
13,861.0 12,319.0 13,881.0

n.a. n.a. n.a.
n.a. n.a. n.a.
9,312.0 7,854.0 7,248.0
23,301.0 5,809.0 5,754.0
5,995.0 1,575.0 1,872.0
690.0 63.0 116.0
635.0 440.0 506.0
n.a. n.a. n.a.
34,695.0 21,250.0 26,872.0
3,349,530.0 2,739,361.0 2,431,988.0
923,995.0 702,943.0 631,184.0

n.a. n.a. n.a.
n.a. n.a. n.a.
923,995.0 702,943.0 631,184.0
677,355.0 564,549.0 476,363.0
n.a. n.a. n.a.
n.a. n.a. n.a.
1,601,350.0 1,267,492.0 1,107,547.0
921,084.0 771,663.0 683,730.0
39,961.0 37,487.0 37,461.0
n.a. n.a. n.a.
961,045.0 809,150.0 721,191.0
220,787.0 144,412.0 151,029.0
110,760.0 92,112.0 61,013.0
2,893,942.0 2,313,166.0 2,040,780.0
n.a. 6,290.0 6,044.0

n.a. n.a. n.a.
1,675.0 1,925.0 2,214.0
1,142.0 517.0 621.0
3,397.0 1,889.0 1,581.0
n.a. n.a. n.a.
n.a. 888.0 0.0
263,679.0 262,776.0 254,615.0
62,276.0 45,274.0 45,668.0
3,226,111.0 2,632,725.0 2,351,523.0
19,064.0 11,464.0 6,376.0

n.a. n.a. n.a.
104,253.0 95,117.0 74,054.0

132.0 46.0 47.0
n.a. n.a. n.a.
n.a. n.a. n.a.
-30.0 9.0 -12.0
104,355.0 95,172.0 74,089.0
3,349,530.0 2,739,361.0 2,431,988.0
56,584.0 n.a. n.a.
71,559.0 n.a. n.a.
4.52 3.86 5.37

4.99 7.37 5.89
4.28 4.28 4.23
3.85 3.74 3.29
0.89 1.05 1.37
0.87 1.07 1.42
0.89 1.05 1.37
41.95 30.76 16.01

54.78 52.01 54.09
0.82 0.77 0.80
21.26 23.69 23.32
0.68 0.73 0.69
3.28 -2.68 -6.81
20.57 24.33 24.90
0.66 0.75 0.74
22.98 26.77 27.95
1.59 1.65 1.70
1.54 1.70 1.82
15.11 17.37 18.39

0.49 0.53 0.55
15.07 17.39 18.41
0.48 0.53 0.55
n.a. n.a. n.a.
1.13 1.21 1.34
1.13 1.21 1.35
4.31 n.a. n.a.
5.45 n.a. n.a.
2.26 3.20 2.72
6.42 8.63 7.32
9.28 11.44 10.32
n.a. n.a. n.a.
3.12 3.47 3.05
36.42 46.17 50.32
36.52 46.10 50.24
n.a. n.a. n.a.
9.06 7.66 8.51
22.27 12.64 18.49

19.97 18.76 22.73
0.65 0.39 0.26
0.23 0.25 n.a.
34.86 65.04 n.a.
8.14 2.37 n.a.
0.03 -0.03 -0.08
0.05 n.a. n.a.
0.65 0.39 0.26
215.67 236.31 221.60

51.07 48.76 57.71
34.57 32.41 33.40
n.a. n.a. n.a.

n.a. n.a. n.a.
109,242.0 80,568.0 81,099.0
n.a. n.a. n.a.
233,080.0 260,457.0 202,731.0
4,963.0 n.a. n.a.
3,696,815.0 3,080,386.0 2,715,818.0
1,312,906.0 1,118,990.0 944,163.0
n.a. n.a. n.a.
1,312,906.0 1,118,990.0 944,163.0
1,863,845.0 1,526,779.6 1,300,727.4

2,984,502.4 2,490,950.4 2,103,335.2
3,061,330.8 2,545,731.0 2,317,583.2
n.a. n.a. n.a.
2,627,889.0 2,155,494.6 1,825,057.8
98,324.2 77,941.8 68,940.0
98,408.8 77,990.6 68,994.0
841,653.6 663,712.4 575,105.2
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 608,030.0

n.a. n.a. 11,975.0
n.a. n.a. 11,179.0
n.a. n.a. n.a.
n.a. n.a. 424,358.0

n.a. n.a. 31,710.0
n.a. n.a. 20,295.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. 192,528.0
n.a. n.a. 246,147.0
n.a. n.a. n.a.
n.a. n.a. 438,675.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 0.0
n.a. n.a. 43,837.0
n.a. n.a. n.a.
39,961.0 37,487.0 37,461.0
n.a. n.a. n.a.
14,870.0 13,545.0 12,685.0

n.a. n.a. n.a.
14,870.0 n.a. n.a.
104,355.0 95,172.0 74,089.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
104,355.0 95,172.0 74,089.0

0.0 6,290.0 6,044.0
132.0 n.a. n.a.
23,301.0 5,809.0 5,754.0
5,995.0 1,575.0 1,872.0
5.0 440.0 506.0
17,716.0 n.a. n.a.
622.0 n.a. n.a.
56,584.0 n.a. n.a.
14,975.0 8,487.0 n.a.
0.0 n.a. n.a.
71,559.0 n.a. n.a.
24,250.2 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
84,158.0 58,922.0 69,818.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
41,984.0 48,885.0 33,856.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
425,100.0 339,842.0 292,912.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,421.0 1,583.0 2,721.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
627,809.0 602,584.0 569,092.0
n.a. n.a. n.a.
1,055,330.0 944,009.0 864,725.0
30,265.0 20,026.0 21,681.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
5,063.0 2,465.0 2,641.0
n.a. n.a. n.a.
35,328.0 22,491.0 24,322.0
2,323.0 3,847.0 4,390.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,323.0 3,847.0 4,390.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
7,484.0 4,048.0 5,362.0
847.0 n.a. n.a.

n.a. n.a. n.a.
847.0 n.a. n.a.
1,325.0 n.a. 865.0

3,575.0 n.a. 4,185.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 72.0

n.a. n.a. n.a.
n.a. n.a. n.a.
6,988.0 6,988.0 6,383.0

n.a. n.a. n.a.
97,265.0 88,129.0 67,671.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
132.0 46.0 47.0
104,223.0 95,126.0 74,042.0
104,253.0 95,117.0 74,054.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
104,355.0 95,172.0 74,089.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
5,416.0 6,254.0 6,383.0
5,416.0 6,254.0 6,383.0
n.a. n.a. n.a.
n.a. 440.0 506.0
n.a. 1,575.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
16,480.0 n.a. n.a.
2,615.0 8,487.0 n.a.
14,975.0 8,487.0 n.a.
14,975.0 8,487.0 n.a.

84,266.0 96,618.0 69,114.0
121,811.0 127,979.0 97,440.0
6.42 8.63 7.32
9.28 11.44 10.32
1,312,906.0 1,118,990.0 944,163.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 4,334.0 8,291.0
690,916.0 518,263.0 474,277.0
n.a. n.a. n.a.
690,916.0 518,263.0 474,277.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 19,162

n.a. n.a. n.a.
6.42 8.63 7.32
n.a. n.a. n.a.
9.28 11.44 10.32
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 2,609.0 5,589.0
n.a. n.a. n.a.
n.a. n.a. 12,075.0
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
0.23 0.25 n.a.

2.32 -2.01 -3.79
34.86 65.04 n.a.
0.66 0.39 n.a.
0.05 n.a. n.a.
5.47 n.a. n.a.
12.50 6.79 4.86
8.14 2.38 n.a.
6.42 8.63 7.32

9.28 11.44 10.32
3.12 3.47 3.05
5.25 5.74 5.30
6.52 7.51 6.69
3.28 3.67 3.20
4.88 5.26 4.85
8.22 8.70 8.43
10.20 11.37 10.65
5.13 5.55 5.10
24.46 26.01 31.77
0.89 1.03 1.31
0.87 1.01 1.28
0.64 0.46 0.26
0.84 0.74 0.78
0.67 0.74 0.77
-0.18 -0.21 -0.20
0.49 0.52 0.57
14.91 16.01 17.99
36.42 46.17 50.32
9.48 8.62 8.94
-6.75 -3.72 3.37
54.45 51.48 53.55
0.69 0.72 0.72
51.08 48.76 57.71

59.36 60.49 57.51
124.16 130.72 126.29
69.67 72.81 69.82
49.17 49.63 52.77
27.59 27.64 29.17
2005
166.75
172.75
166.75
169.00
173.50
185.25
192.00
183.25
190.00
195.25
203.50
222.00
IFRS
Not Audited
Partial
31/12/2004
12 months
mil DKK
1,139,666.0
1,139,666.0
n.a.
882,925.0
230,690.0
163,416.0
291,944.0
196,875.0
2,022,591.0
6,468.0
23,448.0
2,052,507.0
841,232.0
487,863.0
353,369.0
n.a.
864,452.0
171,173.0
44,634.0
648,645.0
279,254.0
n.a.
596.0
66,973.0
2,052,507.0
4,230.0
n.a.
497,562.0
447.0
308,804.0
n.a.
33,698.0
Not Audited
Partial
31/12/2004
12 months
mil DKK
25,838.0
3,146.0
8,885.0
n.a.
5,785.0
-11,524.0
16,355.0
774.0
1,180.0
13,035.0
3,718.0
9,317.0
28,573.0
n.a.
10.24
7.73
82,740.0
62,519.0
n.a.
IFRS
Not Audited
Partial
31/12/2004
12 months
mil DKK
56,018.0
12,648.0
n.a.
68,666.0
19,038.0
23,790.0
42,828.0
25,838.0
8,885.0
0.0
n.a.
-14,797.0
5,785.0
2,862.0
2,735.0
9,105.0
7,250.0
16,355.0
411.0
12,629.0
774.0
-15.0
11,870.0
n.a.
937.0
n.a.
n.a.
228.0
13,035.0
3,718.0
n.a.
9,317.0
n.a.
n.a.
-32.0
n.a.
9,285.0
28.0
9,289.0
n.a.
n.a.
524,428.0
n.a.
n.a.
n.a.
615,238.0
n.a.
1,139,666.0
1,139,666.0
4,230.0
524,428.0
230,690.0
n.a.
259,131.0
163,416.0
31,505.0
0.0
1,308.0
n.a.
455,360.0
n.a.
n.a.
4,463.0
192,412.0
0.0
2,022,591.0
7,741.0
n.a.
n.a.
6,468.0
0.0
447.0
132.0
488.0
n.a.
14,640.0
2,052,507.0
487,863.0
n.a.
n.a.
487,863.0
353,369.0
n.a.
n.a.
841,232.0
614,947.0
33,698.0
n.a.
648,645.0
171,173.0
44,634.0
1,705,684.0
7,707.0
n.a.
596.0
2,047.0
563.0
n.a.
n.a.
227,093.0
41,844.0
1,985,534.0
n.a.
n.a.
66,738.0
267.0
n.a.
n.a.
-32.0
66,973.0
2,052,507.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
9.57
57.24
n.a.
n.a.
n.a.
6.01
n.a.
n.a.
28.52
1.56
1.47
n.a.
n.a.
n.a.
n.a.
n.a.
1.15
1.15
n.a.
n.a.
3.22
7.73
10.24
n.a.
3.26
n.a.
n.a.
n.a.
13.91
n.a.
n.a.
0.37
n.a.
n.a.
n.a.
n.a.
n.a.
0.37
233.60
65.28
31.79
n.a.
n.a.
86,915.0
n.a.
n.a.
221,889.0
2,361,311.0
808,329.0
n.a.
808,329.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
466,810.0
6,057.0
14,996.0
n.a.
324,380.0
27,847.0
1,502.0
n.a.
n.a.
136,565.0
295,834.0
n.a.
432,399.0
n.a.
n.a.
n.a.
n.a.
33,698.0
n.a.
33,698.0
n.a.
9,317.0
n.a.
n.a.
66,973.0
n.a.
n.a.
n.a.
66,973.0
7,707.0
n.a.
0.0
447.0
488.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
56,018.0
n.a.
n.a.
n.a.
n.a.
n.a.
19,038.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
258,470.0
n.a.
n.a.
n.a.
n.a.
661.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
524,428.0
n.a.
783,559.0
28,740.0
n.a.
n.a.
n.a.
n.a.
2,619.0
146.0
31,505.0
0.0
n.a.
n.a.
n.a.
n.a.
0.0
n.a.
n.a.
n.a.
n.a.
3,426.0
n.a.
n.a.
n.a.
n.a.
5,810.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6,723.0
n.a.
60,015.0
n.a.
n.a.
n.a.
267.0
66,706.0
66,738.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
66,973.0
n.a.
n.a.
n.a.
5,010.0
n.a.
n.a.
n.a.
488.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
62,519.0
82,740.0
7.73
10.24
808,329.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
7,757.0
455,360.0
n.a.
455,360.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
7.73
n.a.
10.24
n.a.
n.a.
n.a.
n.a.
n.a.
4,194.0
n.a.
n.a.
n.a.
n.a.
IFRS
Not Audited
31/12/2004
n.a.
3.00
n.a.
n.a.
n.a.
n.a.
6.32
n.a.
7.73
10.24
3.26
5.88
7.96
3.43
4.91
8.83
11.97
5.16
33.47
1.28
1.26
0.15
0.84
0.58
-0.12
0.45
13.91
n.a.
n.a.
12.67
56.43
0.62
65.28
55.53
135.48
68.16
59.15
29.76
Jyske Bank A/S (Group)
8600 SILKEBORG
DENMARK
Publicly quoted
Contact details
VESTERBROGADE 9
8600 SILKEBORG
DENMARK
Bank History :
Established on July 7, 1967.
Status
Name of the Auditor
Latest total assets

Latest net income
Market cap. (30/10/2012)
Specialisation
Peer Group
Peer Group Name

Size
EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income

Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities

Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
General information

Type of share:
ISIN number:
SEDOL number:
Ticker symbol:
IPO date:

Market price - May
Market price - June
Market price - July

Price trends (%)

BETA

Reference index 2:
Reference index 3:
Reference index 4:
Reference index 5:

Date
1 19/10/2012
2 01/03/2012
3 14/11/2011
4 30/09/2011
5 18/03/2011
6 23/02/2010
7 04/12/2009
8 02/11/2009
9 06/10/2009
10 15/04/2009
11 13/11/2007
12 31/03/2006
13 18/01/2006
14 13/05/2005
15 09/05/2005
16 12/11/2004
17 17/09/2004
18 11/08/2004
19 14/06/2004
20 18/05/2004
21 06/02/2004
22 30/04/2003
23 02/04/2003
24 21/02/2003
25 05/02/2003
26 17/01/2003
Source : Zephyr
Boards & committees
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
14.
Management & staff
1.
2.
3.
4.
5.
Active
mil DKK
Deloitte & Touche/Ernst & Y
270,220 mil DKK

493 mil DKK
12,531.0 mil DKK
33
30
Commercial Banks

News
Massachusetts Financial Services Company
Jyske Bank completes private placement (
Jyske Bank looking for acquisitions (deal n
Jyske Bank's acquisition of parts of Fjordb
Sanistål completes conversion of debt (dea
Jyske Bank proposes share issue (deal no.
Jyske Bank completes rights issue (deal no
Jyske Bank plans rights issue (deal no. 16
Baillie Gifford has decreased its stake in Jy
Baillie Gifford & Co has acquired a stake in
DV 8 has acquired a stake in Jyske Bank (
Silkeborg Fodbold Holding acquires stake S
Jyske Bank and other financial institutions
NE Carstens Holding acquires shares in Jys
Jyske Bank has decreased its stake of own
Consortium has acquired a stake in Magas
Nykredit to increase its stake in Totalkredi
Jyske Bank decreases its stake in Silkebor
PFA decreases its stake in Jyske Bank (dea
Jyske Bank will acquire majority stake in B
Fidelity Investments has decreased its sta
Riverside Company has acquired Discovery
Jyske Bank may increase its share capital
Jyske Bank has increased its stake in Silke
Jyske Bank may decrease its stake in Tota
Nykredit and Jyske Bank may be planning
Name
Mr. Sven Buhrkall
P043520217
Mr. Jens Aksel Borup

P039486725
Mr. Philip Baruch

P043420965
Mr. John Egebjerg-Johansen

P043540543
Mr. Keld Norup

P002020970
Mr. Gerner Wolff-Sneedorff

P039789960
Mr. Kurt Brusgaard
P002093747
Mr. Haggai Manfred Uwe Kunisch
P065269313
Marianne Lillevang
P065269314
Mr. Steen Snedker

P115593442
Mr. Anders Christian Dam

P039484010
Mr. Jörgen Michael Christensen
P039815445
Mr. Niels Jacobsen
P028028803
Mr. Leif Flemming Larsen
P039484011
Name
Mr. Jörgen Michael Christensen
P039815445
Mr. Anders Christian Dam
P039484010
Mr. Niels Jacobsen

P028028803
Mr. Leif Flemming Larsen
P039484011
Mr. Jens Aksel Borup
P039486725
tive
l DKK
eloitte & Touche/Ernst & Young
0,220 mil DKK

3 mil DKK
,531.0 mil DKK
ommercial Banks
Rating Date
A 01/10/2012
BBB 01/10/2012
71,279,999
12,531,024
Ordinary Shares
DK0010307958
B0386J1
JYSK
10.00

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Stuttgart
1/2/1987
2012 2011
167.60 244.50
200.20 233.00
176.50 234.30
176.00 250.30
156.00 242.00
158.00 203.10
162.30 206.90
169.50 159.00
172.40 165.70
n.a. 157.40
n.a. 164.00
n.a. 141.00
nancial Services Company ups its stake in Jyske Bank (deal no. 1601413555)
letes private placement (deal no. 1601347663)
ng for acquisitions (deal no. 1601316033)
uisition of parts of Fjordbank Mors approved (deal no. 1601312852)
es conversion of debt (deal no. 1601249979)
oses share issue (deal no. 1601162895)
letes rights issue (deal no. 1601129959)
rights issue (deal no. 1601129959)
s decreased its stake in Jyske Bank (deal no. 1601121341)
Co has acquired a stake in Jyske Bank (deal no. 1601070457)
d a stake in Jyske Bank (deal no. 593999)
d Holding acquires stake Silkeborg Idrætsforening Fodbold Support (deal no. 426439)
other financial institutions to form new company (deal no. 411019)
ing acquires shares in Jyske Bank (deal no. 351379)
ecreased its stake of own shares (deal no. 342330)
acquired a stake in Magasin du Nord (deal no. 195847)
ase its stake in Totalkredit (deal no. 204890)
ases its stake in Silkeborg Idrætsforening Fodbold Support (deal no. 270663)
s stake in Jyske Bank (deal no. 255347)
cquire majority stake in Berben's Effectenkantoor BV (deal no. 248621)
nts has decreased its stake in Jyske Bank (deal no. 225632)
ny has acquired Discovery Holding. (deal no. 166302)
increase its share capital (deal no. 159850)
ncreased its stake in Silkeborg Idrætsforening Fodbold Support (deal no. 151728)
decrease its stake in Totalkredit (deal no. 152558)
ke Bank may be planning to increase their stakes in Amagerbanken (deal no. 145512)
Original job title

- Chairman of the Supervisory Board (since 2004)
- Chairman of the Audit Committee (since 2004)

- Deputy chairman (since 29/03/2005)
- Deputy Chairman of the Supervisory Board

- Member of the Supervisory Board

- Member of the Supervisory Board (since 01/04/2011)


- Member, Audit Committee
- Member of the Supervisory Board (Employee Representative)

- Chairman of the Executive Board
- Member of the Executive Board

Original job title
- General manager; Managing Director and CEO (since 02/08/1995)
- Manager, Accounting and Tax

BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
Consolidation Code
Nickname
Source
Release Date
Model

World rank, 2011

World rank, rolling

1,148
/10/2012
/10/2012
IFRS
Audited
Original
31/12/2011
12 months
mil DKK
124,494.0
127,978.0
3,484.0
137,727.0
22,000.0
31,744.0
75,253.0
8,730.0
262,221.0
3,066.0
4,933.0
270,220.0
173,051.0
118,259.0
45,713.0
9,079.0
72,788.0
32,586.0
n.a.
40,202.0
9,471.0
n.a.
1,064.0
13,846.0
270,220.0
7,274.0
3,484.0
78,433.0
261.0
11,960.0
2,720.0
n.a.
Audited
Original
31/12/2011
12 months
mil DKK
4,770.0
1,744.0
-31.0
n.a.
1,307.0
468.0
4,592.0
1,480.0
159.0
601.0
108.0
493.0
6,521.0
n.a.
14.70
13.30
15,983.0
14,409.0
342.0
IFRS
Audited
Original
31/12/2011
12 months
mil DKK
4,611.0
2,330.0
28.0
6,969.0
1,128.0
1,071.0
2,199.0
4,770.0
-31.0
n.a.
n.a.
n.a.
1,307.0
475.0
1,751.0
2,602.0
1,990.0
4,592.0
-7.0
1,922.0
1,480.0
n.a.
442.0
n.a.
159.0
n.a.
n.a.
n.a.
601.0
108.0
n.a.
493.0
n.a.
11.0
n.a.
18.0
522.0
3.0
490.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
127,978.0
3,484.0
124,494.0
127,978.0
7,274.0
n.a.
22,000.0
n.a.
54,113.0
31,744.0
n.a.
18,901.0
710.0
1,529.0
106,997.0
1,503.0
n.a.
44.0
n.a.
8,686.0
262,221.0
2,320.0
n.a.
n.a.
3,066.0
215.0
46.0
52.0
n.a.
n.a.
2,300.0
270,220.0
68,132.0
n.a.
50,127.0
118,259.0
45,713.0
n.a.
9,079.0
173,051.0
37,482.0
n.a.
n.a.
37,482.0
32,586.0
n.a.
243,119.0
n.a.
n.a.
1,064.0
n.a.
450.0
253.0
n.a.
n.a.
8,768.0
253,654.0
2,720.0
n.a.
13,503.0
33.0
n.a.
n.a.
310.0
13,846.0
270,220.0
13,585.0
15,588.5
3.85
1.06
3.03
1.01
2.07
1.43
2.07
26.85
70.42
1.87
14.16
0.78
77.00
3.26
0.18
17.97
1.77
0.41
3.63
0.20
3.85
0.21
n.a.
0.45
0.48
12.50
14.35
5.03
13.30
14.70
12.10
5.12
n.a.
n.a.
n.a.
3.56
10.69
8.77
5.68
2.72
47.90
27.37
1.23
0.29
5.68
108.22
48.13
56.17
n.a.
n.a.
10,405.0
n.a.
1,515.0
40.0
282,180.0
108,637.0
n.a.
108,637.0
119,853.5
230,016.9
245,886.4
n.a.
216,665.8
13,355.0
13,568.9
106,425.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
493.0
n.a.
493.0
13,846.0
n.a.
n.a.
13,846.0
13,846.0
0.0
0.0
215.0
46.0
0.0
0.0
0.0
13,585.0
2,003.5
0.0
15,588.5
5,822.1
n.a.
n.a.
n.a.
n.a.
4,611.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,128.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
18,901.0
n.a.
n.a.
n.a.
n.a.
n.a.
472.0
130.0
342.0
571.0
2,913.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
648.0
n.a.
12,855.0
n.a.
n.a.
n.a.
33.0
13,813.0
13,846.0
n.a.
n.a.
n.a.
310.0
310.0
n.a.
n.a.
n.a.
n.a.
310.0
n.a.
310.0
n.a.
13,846.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,423.0
n.a.
1,292.0
2,003.5
2,003.5
14,409.0
15,983.0
13.30
14.70
108,637.0
82,935.0
14,091.0
11,611.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
106,997.0
n.a.
106,997.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,802
n.a.
13.30
12.10
14.70
n.a.
n.a.
n.a.
n.a.
n.a.
6,108.0
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2011
2.72
31.03
47.90
5.68
0.28
17.33
52.54
27.37
13.30
14.70
5.12
11.12
8.00
5.46
6.13
13.31
9.57
6.53
n.s.
1.91
1.86
0.68
2.36
0.17
0.02
0.19
3.63
n.a.
n.a.
32.25
70.49
0.75
48.13
46.07
71.94
51.21
45.32
32.26
2010 2009
200.60 133.00
190.30 103.50
195.80 128.00
226.20 146.00
193.80 145.50
177.80 152.00
199.40 192.50
193.50 220.00
213.20 212.00
240.00 190.00
234.10 160.00
259.00 202.50
4)
4/2011)
Representative)
Representative)
Representative)
(since 02/08/1995)
DK17616617
10609
Active
+45 89 89 89 89
+45 89 89 19 99
www.jyskebank.dk
C2
JYSKEI
Annual reports
10/19/2012
ALLBANKS
7
7
425
438
n
IFRS
Unqualified
Original
31/12/2010
12 months
mil DKK
114,023.0
117,658.4
3,635.4
123,354.6
16,245.2
21,666.0
68,847.6
16,595.8
237,377.6
2,589.1
4,147.5
244,114.2
148,251.1
98,019.8
32,475.3
17,756.0
70,457.7
21,818.0
n.a.
48,639.7
10,824.0
n.a.
1,229.7
13,351.7
244,114.2
8,688.0
3,635.4
72,584.5
239.9
16,131.4
3,256.8
n.a.
Unqualified
Original
31/12/2010
12 months
mil DKK
4,746.7
2,153.0
431.3
n.a.
1,320.0
401.7
4,098.5
1,797.8
n.a.
1,003.4
246.3
757.1
6,877.8
n.a.
15.80
14.10
16,070.7
14,306.5
250.0
IFRS
Unqualified
Original
31/12/2010
12 months
mil DKK
4,299.2
1,982.4
23.4
6,305.0
792.3
766.0
1,558.3
4,746.7
431.3
n.a.
n.a.
n.a.
1,320.0
379.8
2,131.1
2,417.1
1,681.4
4,098.5
21.9
2,801.2
1,797.8
n.a.
1,003.4
n.a.
n.a.
n.a.
n.a.
n.a.
1,003.4
246.3
n.a.
757.1
n.a.
24.0
n.a.
63.0
844.1
-0.1
757.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
117,658.4
3,635.4
114,023.0
117,658.4
8,688.0
n.a.
16,245.2
n.a.
54,801.8
21,666.0
n.a.
12,405.0
521.4
1,119.4
90,513.6
2,024.0
n.a.
35.7
n.a.
16,560.1
237,377.6
1,537.5
n.a.
n.a.
2,589.1
215.6
24.3
93.6
1.5
n.a.
2,275.0
244,114.2
65,778.0
n.a.
32,241.8
98,019.8
32,475.3
n.a.
17,756.0
148,251.1
45,382.9
n.a.
n.a.
45,382.9
21,818.0
n.a.
215,452.0
n.a.
n.a.
1,229.7
33.8
519.4
176.7
n.a.
n.a.
10,094.1
227,505.7
3,256.8
n.a.
13,020.9
31.5
n.a.
0.1
299.2
13,351.7
244,114.2
13,111.8
15,562.3
3.73
0.82
2.89
0.76
2.18
1.35
2.18
30.99
59.59
1.73
21.74
1.18
64.18
7.79
0.42
24.55
2.76
0.99
5.88
0.32
6.55
0.36
n.a.
0.75
0.83
12.91
15.32
5.38
14.10
15.80
n.a.
5.47
n.a.
n.a.
n.a.
5.67
8.69
3.61
7.38
3.09
41.84
37.84
1.56
0.22
7.38
120.04
50.02
50.62
n.a.
n.a.
14,434.9
n.a.
1,657.7
38.8
260,245.6
101,572.2
n.a.
101,572.2
115,109.2
218,194.0
237,473.8
n.a.
205,099.7
12,732.3
12,883.7
96,298.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
757.1
n.a.
757.1
13,351.7
n.a.
n.a.
13,351.7
13,351.7
0.0
0.0
215.6
24.3
0.0
0.0
0.0
13,111.8
2,450.5
0.0
15,562.3
5,619.3
n.a.
n.a.
n.a.
n.a.
4,299.2
n.a.
n.a.
n.a.
n.a.
n.a.
792.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
12,405.0
n.a.
n.a.
n.a.
n.a.
n.a.
372.2
122.2
250.0
521.7
3,113.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
648.0
n.a.
11,615.7
757.1
n.a.
n.a.
31.5
13,320.2
13,351.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
13,351.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,613.0
n.a.
1,644.0
2,450.5
2,450.5
14,306.5
16,070.7
14.10
15.80
101,572.2
79,894.9
14,008.6
10,668.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
90,513.6
n.a.
90,513.6
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,886
n.a.
14.10
n.a.
15.80
n.a.
n.a.
n.a.
n.a.
n.a.
4,999.2
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2010
3.09
37.88
41.84
7.38
0.22
9.79
65.07
37.84
14.10
15.80
5.47
11.71
9.01
5.87
6.80
14.57
11.20
7.30
n.s.
2.09
2.03
0.92
2.52
n.a.
-0.11
0.32
5.85
n.a.
n.a.
n.a.
59.40
1.20
50.02
46.71
76.91
52.92
48.96
33.69
2008
318.00
341.00
317.00
330.00
320.50
282.50
303.50
284.50
261.50
173.00
135.50
122.50
Body
BoD
SupB
AudC
BoD
SupB
AudC
BoD
SupB
AudC
BoD
SupB
BoD
SupB
AudC
BoD
SupB
SupB
AudC
SupB
SupB
ExeB
ExeB
ExeB
ExeB
Dept
SenMan
SenMan
SenMan
SenMan
FinAcc
Outlook Watch
Stable
IFRS
Unqualified
Original
31/12/2009
12 months
mil DKK
110,591.7
113,555.7
2,964.0
107,312.7
18,658.4
16,277.5
58,873.3
13,503.5
217,904.4
2,564.7
4,124.7
224,593.8
129,686.0
95,323.7
20,396.2
13,966.1
68,801.3
15,248.3
n.a.
53,553.0
12,683.1
n.a.
900.8
12,522.6
224,593.8
2,050.0
2,964.0
78,540.2
262.0
15,280.6
n.a.
3,251.6
Unqualified
Original
31/12/2009
12 months
mil DKK
4,544.0
2,465.9
878.4
n.a.
1,266.0
321.5
3,726.4
2,657.8
3.4
629.1
158.1
471.0
7,011.6
n.a.
15.30
13.50
15,386.4
13,524.8
-93.1
IFRS
Unqualified
Original
31/12/2009
12 months
mil DKK
5,510.9
2,209.5
35.8
7,756.2
1,870.2
1,342.0
3,212.2
4,544.0
878.4
n.a.
n.a.
n.a.
1,266.0
323.2
2,467.6
2,144.6
1,581.8
3,726.4
-1.7
3,283.5
2,657.8
n.a.
625.7
n.a.
n.a.
n.a.
n.a.
3.4
629.1
158.1
n.a.
471.0
n.a.
n.a.
n.a.
n.a.
471.0
7.1
463.9
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
113,555.7
2,964.0
110,591.7
113,555.7
2,050.0
n.a.
18,658.4
n.a.
58,865.2
16,277.5
n.a.
n.a.
8.1
n.a.
75,150.8
1,366.6
n.a.
33.5
n.a.
13,470.0
217,904.4
1,016.6
n.a.
n.a.
2,564.7
215.2
46.8
145.1
8.0
n.a.
2,693.0
224,593.8
72,116.2
n.a.
23,207.5
95,323.7
20,396.2
n.a.
13,966.1
129,686.0
50,301.4
3,251.6
n.a.
53,553.0
15,248.3
n.a.
198,487.3
n.a.
n.a.
900.8
42.3
518.5
178.4
n.a.
n.a.
11,943.9
212,071.2
n.a.
n.a.
12,203.7
36.9
n.a.
0.4
281.6
12,522.6
224,593.8
n.a.
n.a.
4.60
1.85
3.68
1.65
2.16
0.89
2.16
35.19
53.15
1.65
29.12
1.46
80.94
5.55
0.28
25.13
3.27
0.62
4.18
0.21
4.18
0.21
n.a.
0.47
0.47
n.a.
n.a.
5.46
13.50
15.30
n.a.
5.58
n.a.
n.a.
n.a.
3.76
-5.17
-12.97
1.81
2.61
144.59
-7.30
2.22
-0.08
1.81
119.13
91.48
52.02
n.a.
n.a.
13,276.9
n.a.
1,965.3
38.4
239,874.4
100,420.3
n.a.
100,420.3
119,772.7
210,782.2
225,435.3
n.a.
194,419.1
9,100.5
11,276.4
101,334.9
43,989.9
30,017.7
17,350.5
19,233.6
n.a.
n.a.
n.a.
n.a.
17,507.2
1,151.2
n.a.
n.a.
82,032.8
4,075.9
2,692.2
6,522.7
n.a.
n.a.
n.a.
n.a.
2,814.2
17,582.0
n.a.
n.a.
n.a.
31,741.3
18,560.1
n.a.
50,301.4
n.a.
n.a.
n.a.
1,089.8
2,161.8
n.a.
3,251.6
n.a.
471.0
n.a.
471.0
12,522.6
n.a.
n.a.
12,522.6
12,522.6
n.a.
n.a.
215.2
46.8
8.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
5,510.9
n.a.
n.a.
n.a.
n.a.
n.a.
1,870.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
93.1
-93.1
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
648.0
n.a.
11,084.6
471.0
n.a.
n.a.
36.9
12,485.7
12,522.6
n.a.
0.4
n.a.
281.7
282.1
n.a.
n.a.
n.a.
n.a.
282.1
n.a.
282.1
n.a.
12,522.6
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
8.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
13,524.8
15,386.4
13.50
15.30
100,420.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
75,150.8
n.a.
75,150.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,042
n.a.
13.50
n.a.
15.30
n.a.
n.a.
n.a.
n.a.
n.a.
8,098.3
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2009
2.61
58.49
144.59
1.81
-0.08
-2.98
16.37
n.a.
13.50
15.30
5.58
11.32
9.66
6.00
7.02
14.26
12.16
7.55
20.61
2.02
1.97
1.07
2.77
0.27
-0.07
0.20
4.05
n.a.
n.a.
0.72
53.16
1.42
91.48
49.24
85.28
56.65
60.56
40.23
2007
492.22
482.22
498.89
491.11
471.11
441.67
481.11
452.22
406.50
424.00
407.00
402.00
10/30/2012
175.80
205.00
141.00
10/30/2012
-0.40
2.21
5.52
1.97
9.11
20.41
19.35
0.44
0.39
1.00
0.25
0.19
0.55
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.39
0.25
0.22
0.22
0.19
Source
KO
VI
VI
KO
VI
VI
KO
VI
VI
KO
VI
KO
VI
VI
KO
VI
VI
VI
VI
VI
VI
VI
VI
VI
Source
KO
KO, VI
KO
KO
VI
IFRS
Unqualified
Original
31/12/2008
12 months
mil DKK
129,116.6
130,474.9
1,358.3
103,418.2
30,467.0
23,938.3
36,178.8
12,834.1
232,534.8
537.7
3,775.2
236,847.7
149,517.8
105,609.8
32,500.4
11,407.6
63,312.3
23,105.5
n.a.
40,206.8
12,652.1
n.a.
643.1
10,722.4
236,847.7
700.0
1,358.3
67,567.8
284.0
13,716.0
n.a.
3,282.0
Unqualified
Original
31/12/2008
12 months
mil DKK
3,664.8
2,478.9
685.3
n.a.
1,513.1
280.5
3,795.7
1,082.2
25.2
1,291.0
303.1
987.9
6,139.2
n.a.
12.70
11.00
13,388.8
11,619.2
-186.8
IFRS
Unqualified
Original
31/12/2008
12 months
mil DKK
9,587.7
1,373.2
26.7
10,987.6
5,524.5
1,798.3
7,322.8
3,664.8
685.3
n.a.
n.a.
n.a.
1,513.1
276.0
2,474.4
2,314.3
1,481.4
3,795.7
4.5
2,348.0
1,082.2
n.a.
1,265.8
n.a.
n.a.
n.a.
n.a.
25.2
1,291.0
303.1
n.a.
987.9
n.a.
n.a.
-1.6
6.7
993.0
15.1
972.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
130,474.9
1,358.3
129,116.6
130,474.9
700.0
n.a.
30,467.0
n.a.
36,170.5
23,938.3
n.a.
n.a.
8.3
n.a.
60,117.1
597.8
n.a.
2,059.6
n.a.
10,774.5
232,534.8
930.3
n.a.
n.a.
537.7
215.5
68.5
148.9
40.5
n.a.
2,371.5
236,847.7
67,317.2
n.a.
38,292.6
105,609.8
32,500.4
n.a.
11,407.6
149,517.8
36,924.8
3,282.0
n.a.
40,206.8
23,105.5
n.a.
212,830.1
n.a.
n.a.
643.1
60.2
662.5
197.7
n.a.
n.a.
11,731.7
226,125.3
n.a.
n.a.
10,403.9
44.9
n.a.
n.a.
273.6
10,722.4
236,847.7
n.a.
n.a.
6.94
5.50
5.07
3.81
1.69
1.19
1.69
40.30
61.83
1.69
22.75
1.04
46.09
12.27
0.56
23.48
2.22
1.20
9.57
0.44
9.62
0.44
n.a.
0.94
0.94
n.a.
n.a.
4.40
11.00
12.70
n.a.
4.53
n.a.
n.a.
n.a.
9.21
10.53
-3.19
0.54
1.04
194.04
-6.14
0.78
-0.14
0.54
123.54
93.74
55.66
n.a.
n.a.
12,173.0
n.a.
1,447.1
95.9
250,563.7
105,553.3
n.a.
105,553.3
138,123.0
216,681.2
225,148.1
n.a.
192,232.6
10,003.9
10,319.8
100,524.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,282.0
n.a.
987.9
n.a.
n.a.
10,722.4
n.a.
n.a.
n.a.
10,722.4
n.a.
n.a.
215.5
68.5
40.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
9,587.7
n.a.
n.a.
n.a.
n.a.
n.a.
5,524.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
35,086.5
n.a.
n.a.
n.a.
n.a.
1,084.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
36,170.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,084.0
n.a.
186.8
-186.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
540.0
n.a.
9,863.9
n.a.
n.a.
n.a.
44.9
10,677.5
10,403.9
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
10,722.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
40.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
11,619.2
13,388.8
11.00
12.70
105,553.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
60,117.1
n.a.
60,117.1
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,143
n.a.
11.00
n.a.
12.70
n.a.
n.a.
n.a.
n.a.
n.a.
11,997.5
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2008
1.04
29.53
194.04
0.54
-0.14
-9.02
6.53
n.a.
11.00
12.70
4.53
8.30
7.17
4.81
5.91
10.85
9.37
6.28
23.44
1.65
1.63
1.10
2.16
0.56
-0.12
0.44
9.67
n.a.
n.a.
2.55
61.78
1.04
93.74
54.52
86.36
61.62
45.19
32.25
2006
342.22
365.56
376.67
399.44
426.67
375.56
361.67
373.33
376.67
387.22
410.00
445.56
IFRS IFRS IFRS
31/12/2007 31/12/2006 31/12/2005
133,965.5 107,185.5 90,880.0

134,771.1 107,824.9 92,158.6
805.6 639.4 1,278.6
76,577.6 50,738.4 41,188.6
30,321.2 15,720.4 12,913.5
9,602.2 6,627.7 n.a.
20,347.0 14,793.5 17,130.2
16,307.2 13,596.8 11,144.9
210,543.1 157,923.9 132,068.6
429.4 332.4 n.a.
3,306.2 2,400.1 9,502.1
214,278.7 160,656.4 141,570.7
144,277.9 106,376.9 96,855.9

97,558.7 76,277.0 69,701.9
31,561.8 17,535.9 17,008.0
15,157.4 12,564.0 10,146.0
47,651.4 35,198.0 18,525.5
9,459.3 6,487.0 n.a.
n.a. n.a. n.a.
38,192.1 28,711.0 18,525.5
12,111.9 8,790.2 16,057.2
n.a. n.a. n.a.
533.9 654.3 655.0
9,703.6 9,637.0 9,477.1
214,278.7 160,656.4 141,570.7
1,540.0 1,147.0 1,135.1

805.6 639.4 1,278.6
52,112.8 31,480.1 30,949.7
291.3 255.8 368.2
17,588.1 26,878.7 26,589.2
n.a. n.a. n.a.

3,318.2 3,317.9 2,558.9

31/12/2007 31/12/2006 31/12/2005
3,239.3 3,059.4 2,774.3
2,389.5 3,176.0 2,793.7
351.7 1,142.0 n.a.
n.a. n.a. n.a.
1,796.8 1,634.8 1,472.4
241.0 399.2 1,321.3
3,290.1 3,777.1 3,334.0
73.9 -348.0 68.6
8.0 3.8 9.4
2,272.8 2,810.1 2,174.8
537.8 676.6 473.4
1,735.0 2,133.5 1,701.4
5,628.0 6,227.7 5,570.6
n.a. n.a. n.a.
9.52 11.31 11.66

8.06 9.68 10.88
12,615.8 12,640.3 11,484.3
10,681.4 10,818.0 10,724.4
-162.7 -80.2 n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
7,478.2 5,186.5 3,825.5

1,068.0 944.3 805.2
21.8 23.6 20.3
8,568.0 6,154.4 4,651.0
3,770.8 2,209.6 1,325.5

1,557.9 885.4 551.2
5,328.7 3,095.0 1,876.7
3,239.3 3,059.4 2,774.3
351.7 1,142.0 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,796.8 1,634.8 1,472.4
240.2 391.5 1,323.9
2,388.7 3,168.3 2,796.3
2,119.4 2,183.2 1,955.2
1,170.7 1,593.9 1,378.8
3,290.1 3,777.1 3,334.0
0.8 7.7 -2.6

2,338.7 2,458.3 2,234.0
73.9 -348.0 68.6
n.a. n.a. n.a.
2,264.8 2,806.3 2,165.4
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
8.0 3.8 9.4
2,272.8 2,810.1 2,174.8
537.8 676.6 473.4
n.a. n.a. n.a.
1,735.0 2,133.5 1,701.4
n.a. n.a. n.a.

n.a. n.a. n.a.
-3.2 0.0 n.a.
99.7 26.8 23.8
1,831.5 2,160.3 1,725.2
19.6 27.0 29.4
1,715.4 2,106.5 1,672.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
134,771.1 107,824.9 92,158.6
805.6 639.4 1,278.6
133,965.5 107,185.5 90,880.0
134,771.1 107,824.9 92,158.6
1,540.0 1,147.0 1,135.1
n.a. n.a. n.a.
30,321.2 15,720.4 12,913.5

n.a. n.a. n.a.
20,337.9 14,785.2 17,121.9
9,602.2 6,627.7 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
9.1 8.3 8.3
n.a. n.a. n.a.
29,949.2 21,421.2 17,130.2
1,026.7 1,723.6 1,363.5
n.a. n.a. n.a.
1,972.8 1,702.6 1,547.3
n.a. n.a. n.a.
14,334.4 11,894.2 9,597.6
210,543.1 157,923.9 132,068.6
1,453.7 974.5 914.3

n.a. n.a. n.a.
n.a. n.a. n.a.
429.4 332.4 n.a.
203.1 203.1 200.6
88.2 52.7 167.6
215.3 4.4 0.0
25.1 13.9 2.2
n.a. n.a. n.a.
1,320.8 1,151.5 8,217.4
214,278.7 160,656.4 141,570.7
67,734.3 57,456.8 52,407.5

n.a. n.a. n.a.
29,824.4 18,820.2 17,294.4
97,558.7 76,277.0 69,701.9
31,561.8 17,535.9 17,008.0
n.a. n.a. n.a.
15,157.4 12,564.0 10,146.0
144,277.9 106,376.9 96,855.9
34,873.9 25,393.1 15,966.6
3,318.2 3,317.9 2,558.9
n.a. n.a. n.a.
38,192.1 28,711.0 18,525.5
9,459.3 6,487.0 n.a.
n.a. n.a. n.a.
191,929.3 141,574.9 115,381.4
n.a. n.a. n.a.

n.a. n.a. n.a.
533.9 654.3 655.0
102.6 149.4 110.5
406.4 322.5 248.9
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
11,602.9 8,318.3 15,697.8
204,575.1 151,019.4 132,093.6
n.a. n.a. n.a.

n.a. n.a. n.a.
9,385.7 9,409.9 9,251.4

49.4 55.1 80.5
n.a. n.a. n.a.
n.a. n.a. n.a.
268.5 172.0 145.2
9,703.6 9,637.0 9,477.1
214,278.7 160,656.4 141,570.7
n.a. n.a. n.a.
n.a. n.a. n.a.
6.30 5.22 4.57

4.37 3.00 1.98
4.80 4.31 3.82
3.40 2.51 1.80
1.81 2.14 2.28
1.77 2.38 2.22
1.81 2.14 2.28
42.44 50.87 50.20

58.46 60.65 59.85
1.78 2.50 2.47
23.88 25.82 25.80
1.27 1.63 1.65
3.16 -14.16 3.07
23.12 29.47 25.01
1.23 1.86 1.60
23.66 24.08 21.77
1.76 2.20 2.27
1.71 2.51 2.20
17.71 22.41 19.65

0.94 1.41 1.26
18.70 22.69 19.93
0.99 1.43 1.28
n.a. n.a. n.a.
1.31 1.91 1.73
1.38 1.93 1.75
n.a. n.a. n.a.
n.a. n.a. n.a.
4.39 5.84 6.45
8.06 9.68 10.88
9.52 11.31 11.66
n.a. n.a. n.a.
4.53 6.00 6.69
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
17.88 22.14 17.95
33.38 13.48 13.10

24.99 17.00 20.55
1.14 1.06 1.23
0.60 0.59 1.39
52.31 55.75 112.64
7.57 5.27 -1.51
0.06 -0.35 0.08
-0.14 -0.08 n.a.
1.14 1.06 1.23
138.14 141.36 132.22

96.07 89.65 75.93
53.47 56.46 60.41
n.a. n.a. n.a.

n.a. n.a. n.a.
15,647.3 25,012.7 24,439.6
n.a. n.a. n.a.
1,725.8 1,609.3 1,886.9
215.0 256.7 262.7
231,866.8 187,535.1 168,159.9
132,539.3 111,719.7 98,532.3
n.a. n.a. n.a.
132,539.3 111,719.7 98,532.3
118,662.3 99,328.2 83,701.6

178,491.7 142,892.5 121,717.2
184,853.4 151,123.0 135,205.0
n.a. n.a. n.a.
156,684.4 123,510.4 104,093.1
9,542.5 9,291.1 8,451.1
9,794.9 9,521.4 8,658.1
86,358.6 73,577.3 66,857.3
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,318.2 3,317.9 2,558.9
n.a. n.a. n.a.
1,735.0 2,133.5 1,701.4

n.a. n.a. n.a.
n.a. n.a. n.a.
9,703.6 9,637.0 9,477.1

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
9,703.6 9,637.0 9,477.1

n.a. n.a. n.a.
n.a. n.a. n.a.
203.1 203.1 200.6
88.2 52.7 167.6
25.1 13.9 2.2
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
7,478.2 5,186.5 3,825.5
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,770.8 2,209.6 1,325.5
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
18,969.2 13,681.8 15,823.1

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,368.7 1,103.4 1,298.8
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
20,337.9 14,785.2 17,121.9
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,368.7 1,103.4 1,298.8
n.a. n.a. n.a.

162.7 80.2 n.a.
-162.7 -80.2 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
560.0 620.0 631.0

n.a. n.a. n.a.
8,825.7 8,789.9 8,620.4
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
49.4 55.1 80.5
9,654.2 9,581.9 9,396.6
9,385.7 9,409.9 9,251.4
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
9,703.6 9,637.0 9,477.1
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
25.1 13.9 2.2
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

10,681.4 10,818.0 10,724.4
12,615.8 12,640.3 11,484.3
8.06 9.68 10.88
9.52 11.31 11.66
132,539.3 111,719.7 98,532.3
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
29,949.2 21,421.2 17,130.2
n.a. n.a. n.a.
29,949.2 21,421.2 17,130.2
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
4,159 4,111 3,799

n.a. n.a. n.a.
8.06 9.68 10.88
n.a. n.a. n.a.
9.52 11.31 11.66
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
20,790.2 8,492.5 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
0.60 0.59 1.39

2.28 -11.38 2.47
52.31 55.75 112.64
1.14 1.06 1.23
-0.13 -0.08 n.a.
-8.99 -4.49 n.a.
15.87 11.90 11.98
7.57 5.27 n.a.
8.06 9.68 10.88

9.52 11.31 11.66
4.53 6.00 6.69
7.24 8.99 10.43
6.73 9.06 9.79
4.82 6.53 7.32
6.08 8.06 8.50
9.72 12.09 13.24
9.03 12.18 12.43
6.47 8.77 9.29
25.48 25.61 21.26
1.76 2.11 2.29
1.73 2.03 2.08
1.28 2.10 2.10
1.79 2.27 2.55
1.21 1.86 1.62
-0.28 -0.45 -0.35
0.93 1.41 1.28
17.94 22.32 19.63
n.a. n.a. n.a.
n.a. n.a. n.a.
0.46 0.18 0.55
58.45 60.58 59.88
1.25 1.63 1.68
96.07 89.65 75.93

62.52 66.72 64.19
92.85 100.76 93.83
71.03 77.53 80.55
36.12 29.59 31.95
27.63 22.77 27.43
2005
226.67
228.61
238.61
248.33
256.67
300.56
321.11
338.89
348.33
347.22
327.78
343.89
IFRS
Audited
Original
31/12/2004
12 months
mil DKK
74,598.1
76,451.3
1,853.2
35,362.0
10,038.9
n.a.
16,339.5
8,983.6
109,960.1
n.a.
15,213.1
125,173.2
81,108.2
60,868.0
12,452.8
7,787.4
14,651.8
n.a.
n.a.
14,651.8
20,889.7
n.a.
665.2
7,858.3
125,173.2
3,216.0
1,853.2
27,118.8
315.9
20,943.2
n.a.
2,737.2
Audited
Original
31/12/2004
12 months
mil DKK
2,736.7
2,580.5
n.a.
n.a.
1,082.4
1,498.1
3,029.7
327.0
n.a.
1,960.5
553.5
1,407.0
5,120.0
n.a.
11.90
8.90
n.a.
n.a.
n.a.
IFRS
Audited
Original
31/12/2004
12 months
mil DKK
3,406.0
663.4
42.0
4,111.4
1,069.7
305.0
1,374.7
2,736.7
n.a.
n.a.
n.a.
n.a.
1,082.4
1,300.9
2,383.3
1,802.7
1,227.0
3,029.7
197.2
2,287.5
327.0
n.a.
1,960.5
n.a.
n.a.
n.a.
n.a.
n.a.
1,960.5
553.5
n.a.
1,407.0
n.a.
n.a.
n.a.
121.4
1,528.4
5.4
1,401.6
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
76,451.3
1,853.2
74,598.1
76,451.3
3,216.0
n.a.
10,038.9
n.a.
16,262.1
n.a.
n.a.
n.a.
77.4
n.a.
16,339.5
1,843.7
n.a.
1,541.2
n.a.
7,442.4
109,960.1
817.8
n.a.
n.a.
n.a.
183.8
132.1
393.5
19.3
n.a.
13,666.6
125,173.2
45,347.5
n.a.
15,520.5
60,868.0
12,452.8
n.a.
7,787.4
81,108.2
11,914.6
2,737.2
n.a.
14,651.8
n.a.
n.a.
95,760.0
n.a.
n.a.
665.2
47.3
329.2
n.a.
n.a.
n.a.
20,513.2
117,314.9
n.a.
n.a.
7,650.8
86.1
n.a.
n.a.
121.4
7,858.3
125,173.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
46.55
59.17
n.a.
n.a.
n.a.
14.30
n.a.
n.a.
28.23
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
6.03
8.90
11.90
n.a.
6.28
n.a.
n.a.
n.a.
17.90
n.a.
n.a.
4.21
2.42
57.62
17.34
n.a.
n.a.
4.21
125.60
80.62
63.56
n.a.
n.a.
18,633.7
n.a.
2,309.5
n.a.
146,116.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,737.2
n.a.
1,407.0
n.a.
n.a.
7,858.3
n.a.
n.a.
n.a.
7,858.3
n.a.
n.a.
183.8
132.1
19.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,406.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,069.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
15,122.9
n.a.
n.a.
n.a.
n.a.
1,139.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
16,262.1
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,139.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
680.0
n.a.
6,970.8
n.a.
n.a.
n.a.
86.1
7,772.2
7,650.8
n.a.
n.a.
n.a.
0.0
0.0
n.a.
n.a.
n.a.
n.a.
0.0
n.a.
0.0
n.a.
7,858.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
19.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
8.90
11.90
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
16,339.5
n.a.
16,339.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,559
n.a.
8.90
n.a.
11.90
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2004
2.42
11.95
57.62
4.21
n.a.
n.a.
40.93
17.34
8.90
11.90
6.28
10.53
9.69
6.86
8.47
14.20
13.06
9.25
25.83
2.49
2.19
2.06
2.68
n.a.
-0.44
1.12
17.91
n.a.
n.a.
n.a.
56.98
1.83
80.62
59.60
91.97
80.19
33.44
29.15
Sydbank A/S
6200 AABENRAA
DENMARK
Publicly quoted
Contact details
4, PEBERLYK
6200 AABENRAA
DENMARK
Bank History :
Established in 1970. In 1990, absorbed Sparekassen Sonderjylland A/S and its name changed to Sydbank Sonderjylland A/S. In 19
Status
Name of the Auditor
Latest total assets

Latest net income
Market cap. (30/10/2012)
Specialisation
Peer Group
Peer Group Name

Size

EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income

Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities

Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
General information

Type of share:
ISIN number:
SEDOL number:
Ticker symbol:

Market price - May
Market price - June
Market price - July

Price trends (%)

BETA

Reference index 2:
Reference index 3:
Reference index 4:
Reference index 5:

Date
1 01/10/2012
2 21/03/2012
3 01/11/2011
4 28/01/2011
5 30/11/2009
6 15/09/2009
7 18/08/2009
8 14/08/2008
9 25/04/2008
10 01/02/2008
11 25/04/2007
12 22/02/2007
13 14/08/2006
14 28/04/2006
15 13/03/2006
16 13/03/2006
17 10/08/2005
18 21/03/2005
19 07/03/2005
20 21/12/2004
21 17/09/2004
22 05/04/2004
23 23/01/2004
24 16/09/2003
25 30/06/2003
26 23/06/2003
27 02/04/2003
Source : Zephyr
Boards & committees
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
Management & staff
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
k Sonderjylland A/S. In 1995, was renamed Sydbank A/S. On May 13, 2002, absorbed Egnsbank Fyn.
Active
mil DKK
KPMG
153,441 mil DKK

188 mil DKK
7,877.9 mil DKK
26
123
Commercial Banks

News
Nykredit Realkredit reduces its shareholdin
Silchester increases its stake in Sydbank (
Sydbank reduces stake in Value-Call (deal
Arbejdsmarkedets Tillægspension and Arb
Mr Berger and Sydbank have sold Derma P
Sydbank completes offering (deal no. 160
Sydbank considering acquisitions (deal no.
ATP and ATP Invest have increased their s
FormueEvolution l has been listed on OMX
Sydbank has acquired bankTrelleborg (dea
Mr Carsten Andersen sells shares in Sydba
Ebh Bank acquires DMK-Holding (deal no.
Good Food Group acquires shares in Sydba
Good Food Group sells shares in Sydbank
Good Food Group acquires shares in Sydba
Cico sells shares in Sydbank (deal no. 427
Silchester International Investors has decr
Fidelity Investments has increased its stak
Fidelity Investments has decreased its sta
Sydbank sells stake in PBS International H
Nykredit to increase its stake in Totalkredi
Insiders acquire shares in Sydbank (deal n
Mykredit has decreased its stake in Sydba
Sydbank sells shares in FLS Industries (de
Sydbank acquires stake in PBS Internation
Topdanmark has decreased its stake in Sy
Sydbank has issued shares to employees (
Name
Mr. Kresten Philipsen
P002017997
Mr. Anders Thoustrup

P002062687
Mr. Hanni M. T. Kasprzak

P086193807
Mr. Svend Erik Busk
P002074500
Mr. Claus H. Christensen

P002009306
Mr. Peder Damgaard
P039817581
Mr. Harry Max Friedrichsen
P039817582
Mr. Hanni Toosbuy Kasprzak
P086202686
Mr. Erik Bank Lauridsen
P002093447
Mr. Sven Rosenmeyer Paulsen
P043453466
Mr. Steen Tophøj

P117612705
Mr. Jan Uldahl-Jensen
P039817588
Mrs. Margrethe Weber
P039817589
Mrs. Karen Frøsig
P043463182
Mr. Preben Lund Hansen
P039477246
Mr. Allan Nørholm
P043449931
Name
Mrs. Karen Frøsig
P043463182
Mr. Preben Lund Hansen
P039477246
Mr. Allan Nørholm
P043449931
Ole Kirkbak
P065275726
Mr. Steen Tophøj
P117612705
Laurits Brandt Andersen
P065275735
Niels K. Andersen
P069027816
Henning Barsøe
P065275730
Claus Brændstrup
P121298340
Finn Christensen
P104005808
Grethe Harmuth
P065275740
Hans Iversen
P065275731
Henning Juhl Jessen
P065275733
Arne Jørgensen
P065275739
Brian Knudsen
P065275727
Ole Laugesen
P065275734
Allan Lorentsen
P065275732
Tina Kroman Lyngsø
P065275729
Mogens Nygaard
P121298339
Mr. Finn Boel Pedersen
P043474387
Torben Rosenberg Rasmussen
P065275737
Bente Holm Skylvad
P121298341
Allan W. Larsen
P065275741
Mr. Kim Møller Nielsen
P043505487
Mr. Harry Max Friedrichsen
P039817582
Mr. Jan Uldahl-Jensen
P039817588
tive
l DKK
PMG
3,441 mil DKK

8 mil DKK
877.9 mil DKK
3
ommercial Banks
Rating Date
A 01/10/2012
BBB 01/10/2012
74,249,999
7,877,925
Ordinary Shares
DK0010311471
B06JSP1
SYDB
10.00

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Stuttgart
2012 2011
96.85 157.20
107.20 140.00
101.50 132.80
97.70 146.00
98.40 131.00
94.95 114.80
98.10 121.70
100.90 105.00
109.40 98.95
n.a. 100.20
n.a. 98.50
n.a. 90.10
dit reduces its shareholding in Sydbank (deal no. 1601407360)
ses its stake in Sydbank (deal no. 1601359223)
stake in Value-Call (deal no. 1601313698)
s Tillægspension and Arbejdsmarkedets Erhvervssygdomssikrin sells reduce stake in Sydbank (deal no. 1601242420)
ydbank have sold Derma Pharm (deal no. 1601139802)
es offering (deal no. 1601105617)
ring acquisitions (deal no. 1601105987)
est have increased their stake in Sydbank (deal no. 1601009372)
l has been listed on OMX Nordic Exchange Copenhagen (deal no. 640591)
uired bankTrelleborg (deal no. 611310)
rsen sells shares in Sydbank (deal no. 1000002956)
es DMK-Holding (deal no. 517684)
p acquires shares in Sydbank (deal no. 468458)
p sells shares in Sydbank (deal no. 439228)
p acquires shares in Sydbank (deal no. 427123)
in Sydbank (deal no. 427141)
ational Investors has decreased its stake in Sydbank (deal no. 368029)
nts has increased its stake in Sydbank (deal no. 330450)
nts has decreased its stake in Sydbank (deal no. 330451)
ke in PBS International Holding (deal no. 304359)
ase its stake in Totalkredit (deal no. 204890)
shares in Sydbank (deal no. 238235)
reased its stake in Sydbank (deal no. 224821)
ares in FLS Industries (deal no. 190291)
s stake in PBS International (deal no. 175858)
decreased its stake in Sydbank (deal no. 174744)
ed shares to employees (deal no. 160174)
Original job title

- Chairman, Board of Directors (since 1999)
- Member of Audit Committee

- Chairman of Remuneration Committee
- Vice-Chairman, Board of Directors (since 2000)
- Member of Audit Committee

- Member, Remuneration Committee
- Deputy chairman (since 21/03/2006)
- No specific function (since 17/03/2009)
- Chairman of Audit Committee

- No specific function (since 21/03/2006)
- Elected by employees (since 1990)
- Member, Board of Directors (since 2006)
- No specific function (since 2006)

- Member of Remuneration Committee
- Member, Board of Directors (since 04/03/2010)
- Member, Board of Directors (since 2002)
- Elected by employees (since 1993)
- Group Executive Management Member (since 2008)

Original job title
- CEO; Managing Director (since 2010)
- General manager
- Deputy Group Chief Executive
- Deputy Group Chief Executive
- Head of Internal Audit
- Head of Retail Banking
- Head, Aalborg Region
- Head, Odense Region
- Head, Horsens Region
- Head, Herning Region
- Head, Varde Region
- Head, Padborg Region
- Head, Slagelse Region
- Head, Copenhagen Region
- Head, Tonder Region
- Head, Esbjerg Region
- Head, Svendborg Region
- Head, Aabenraa Region
- Head, Vejle Region
- Head, Roskilde Region
- Head, Kolding Region
- Head, Aarhus Region
- Head, Sonderborg Region
- Group Executive Vice President, PBI
- Group Executive Vice President, Germany
- Assistant Manager
- Assistant Manager
BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
Consolidation Code
Nickname
Source
Release Date
Model

World rank, 2011

World rank, rolling

1,148
/10/2012
/10/2012
IFRS
Unqualified
Original
31/12/2011
12 months
mil DKK
76,505.0
78,341.0
1,836.0
57,174.0
8,526.0
n.a.
40,095.0
8,553.0
133,679.0
1,100.0
18,662.0
153,441.0
121,479.0
66,724.0
38,767.0
15,988.0
2,194.0
n.a.
n.a.
2,194.0
20,119.0
n.a.
54.0
9,595.0
153,441.0
3,141.0
1,836.0
49,368.0
12.0
8,829.0
1,382.0
743.0
Unqualified
Original
31/12/2011
12 months
mil DKK
3,156.0
1,030.0
-42.0
16.0
1,085.0
-29.0
2,687.0
1,198.0
n.a.
301.0
113.0
188.0
4,263.0
4.0
16.10
15.20
11,392.0
10,706.0
517.0
IFRS
Unqualified
Original
31/12/2011
12 months
mil DKK
3,363.0
1,000.0
28.0
4,391.0
635.0
600.0
1,235.0
3,156.0
-42.0
n.a.
16.0
n.a.
1,085.0
48.0
1,107.0
1,527.0
1,160.0
2,687.0
-77.0
1,499.0
1,198.0
n.a.
301.0
n.a.
n.a.
n.a.
n.a.
n.a.
301.0
113.0
n.a.
188.0
n.a.
n.a.
n.a.
-15.0
173.0
n.a.
188.0
4.0
n.a.
n.a.
n.a.
n.a.
n.a.
78,341.0
1,836.0
76,505.0
78,341.0
3,141.0
7,658.0
8,526.0
n.a.
39,903.0
n.a.
n.a.
n.a.
192.0
n.a.
40,095.0
715.0
n.a.
n.a.
n.a.
8,553.0
133,679.0
939.0
n.a.
n.a.
1,100.0
n.a.
12.0
13.0
5.0
n.a.
17,693.0
153,441.0
40,941.0
n.a.
25,783.0
66,724.0
38,767.0
n.a.
15,988.0
121,479.0
69.0
743.0
n.a.
812.0
n.a.
n.a.
122,291.0
n.a.
n.a.
54.0
n.a.
202.0
6.0
n.a.
n.a.
19,911.0
142,464.0
1,382.0
n.a.
9,595.0
n.a.
n.a.
n.a.
n.a.
9,595.0
153,441.0
n.a.
n.a.
4.10
0.97
3.34
1.03
2.40
1.49
2.40
25.97
63.03
1.83
15.67
1.02
79.92
3.15
0.20
37.54
2.12
0.43
1.97
0.13
1.81
0.12
n.a.
0.27
0.24
n.a.
n.a.
6.24
15.20
16.10
n.a.
6.25
2.13
2.31
n.a.
1.92
1.72
-8.39
4.01
2.34
58.45
13.60
1.46
0.63
4.01
117.41
21.99
54.56
n.a.
n.a.
7,090.0
n.a.
490.0
1,249.0
162,270.0
70,659.0
n.a.
70,659.0
82,006.0
131,569.2
146,904.4
n.a.
119,873.2
9,509.6
9,564.0
65,581.4
27,912.0
26,490.0
13,077.0
9,026.0
n.a.
n.a.
n.a.
n.a.
8,285.0
206.0
34.0
1.0
59,834.0
2,316.0
679.0
3,895.0
n.a.
n.a.
n.a.
n.a.
37,222.0
1,124.0
112.0
309.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
743.0
n.a.
188.0
n.a.
188.0
9,595.0
n.a.
n.a.
9,595.0
9,595.0
n.a.
n.a.
n.a.
12.0
5.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,363.0
n.a.
n.a.
n.a.
n.a.
n.a.
635.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
559.0
42.0
517.0
167.0
1,669.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
742.0
425.0
8,300.0
n.a.
n.a.
n.a.
n.a.
9,595.0
9,595.0
n.a.
n.a.
n.a.
121.0
121.0
n.a.
n.a.
n.a.
n.a.
121.0
n.a.
121.0
n.a.
9,595.0
n.a.
n.a.
n.a.
7.0
4.0
4.0
n.a.
5.0
n.a.
n.a.
1,382.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
10,706.0
11,392.0
15.20
16.10
70,659.0
52,303.0
10,288.0
8,068.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
40,095.0
n.a.
40,095.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,152
n.a.
15.20
n.a.
16.10
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2011
2.34
37.96
58.45
4.01
0.63
37.30
32.74
13.60
15.20
16.10
6.25
12.54
7.90
6.77
7.64
15.32
9.65
8.27
6.34
2.34
2.07
0.68
2.55
n.a.
-0.07
0.12
1.96
2.13
1.92
n.a.
64.19
0.99
21.99
49.86
62.98
62.94
40.64
40.62
2010 2009
139.90 78.00
134.50 69.00
147.80 71.50
164.60 95.75
142.10 113.00
124.80 122.25
142.50 132.00
124.00 145.50
127.40 133.25
141.00 124.50
141.00 118.50
151.30 133.75
)
2008)
1992)
2008)
DK12626509
10629
Active
+45 74 37 37 37
+45 74 37 35 49
www.sydbank.com
C2
SYDCIFRS
Annual Report
8/31/2012
ALLBANKS
11
11
641
669
n
IFRS
Unqualified
Original
31/12/2010
12 months
mil DKK
83,752.0
85,515.0
1,763.0
52,672.0
7,527.0
n.a.
37,222.0
7,923.0
136,424.0
1,150.0
13,269.0
150,843.0
116,060.0
64,161.0
40,250.0
11,649.0
9,845.0
n.a.
n.a.
9,845.0
15,328.0
n.a.
56.0
9,554.0
150,843.0
3,020.0
1,763.0
45,297.0
13.0
9,901.0
1,384.0
945.0
Unqualified
Original
31/12/2010
12 months
mil DKK
3,240.0
1,434.0
394.0
26.0
1,146.0
-132.0
2,717.0
1,399.0
n.a.
558.0
147.0
411.0
4,672.0
n.a.
15.40
14.30
11,329.0
10,559.0
847.0
IFRS
Unqualified
Original
31/12/2010
12 months
mil DKK
3,236.0
953.0
22.0
4,211.0
483.0
488.0
971.0
3,240.0
394.0
n.a.
26.0
n.a.
1,146.0
-134.0
1,432.0
1,453.0
1,264.0
2,717.0
2.0
1,957.0
1,399.0
n.a.
558.0
n.a.
n.a.
n.a.
n.a.
n.a.
558.0
147.0
n.a.
411.0
n.a.
-1.0
0.0
0.0
410.0
n.a.
411.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
85,515.0
1,763.0
83,752.0
85,515.0
3,020.0
10,724.0
7,527.0
n.a.
36,915.0
n.a.
n.a.
n.a.
307.0
n.a.
37,222.0
452.0
n.a.
n.a.
n.a.
7,923.0
136,424.0
855.0
n.a.
n.a.
1,150.0
0.0
13.0
82.0
11.0
n.a.
12,308.0
150,843.0
43,635.0
n.a.
20,526.0
64,161.0
40,250.0
n.a.
11,649.0
116,060.0
7,516.0
945.0
n.a.
8,461.0
n.a.
n.a.
124,521.0
n.a.
n.a.
56.0
8.0
225.0
11.0
n.a.
n.a.
15,084.0
139,905.0
1,384.0
n.a.
9,418.0
n.a.
n.a.
n.a.
136.0
9,554.0
150,843.0
9,537.0
9,537.0
3.83
0.75
3.04
0.77
2.34
1.33
2.34
30.65
58.15
1.77
20.86
1.28
71.49
5.95
0.36
26.34
2.65
0.76
4.38
0.27
4.37
0.27
n.a.
0.56
0.56
12.94
12.94
6.33
14.30
15.40
n.a.
6.33
n.a.
n.a.
n.a.
4.30
-4.42
-4.19
3.53
2.06
58.38
13.16
1.65
1.00
3.53
133.28
18.70
51.53
n.a.
n.a.
8,308.0
n.a.
99.0
1,494.0
160,744.0
73,716.0
n.a.
73,716.0
84,547.6
138,417.4
153,150.8
n.a.
126,563.0
9,181.6
9,379.4
64,315.0
33,789.0
25,406.0
14,923.0
9,634.0
n.a.
n.a.
n.a.
n.a.
4,649.0
465.0
2,394.0
19.0
n.a.
n.a.
n.a.
n.a.
57,599.0
2,149.0
631.0
3,782.0
38,610.0
871.0
485.0
284.0
n.a.
3,726.0
7,516.0
n.a.
11,242.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
945.0
n.a.
411.0
n.a.
411.0
9,554.0
n.a.
n.a.
9,554.0
9,554.0
0.0
0.0
0.0
13.0
4.0
0.0
0.0
9,537.0
0.0
0.0
9,537.0
4,087.3
n.a.
n.a.
n.a.
n.a.
3,236.0
n.a.
n.a.
n.a.
n.a.
n.a.
483.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
880.0
33.0
847.0
166.0
1,597.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
742.0
423.0
8,169.0
n.a.
n.a.
n.a.
n.a.
9,554.0
9,554.0
n.a.
n.a.
n.a.
136.0
136.0
n.a.
n.a.
n.a.
0.0
136.0
n.a.
136.0
n.a.
9,554.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,384.0
n.a.
n.a.
n.a.
n.a.
n.a.
0.0
10,559.0
11,329.0
14.30
15.40
73,716.0
58,040.0
8,298.0
7,378.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
37,222.0
n.a.
37,222.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,284
n.a.
14.30
n.a.
15.40
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2010
2.06
43.18
58.38
3.53
0.97
46.80
31.61
13.16
14.30
15.40
6.33
11.41
8.23
6.88
7.88
14.19
10.24
8.55
7.95
2.30
2.10
0.93
2.67
n.a.
-0.10
0.27
4.40
n.a.
n.a.
n.a.
58.13
1.27
18.70
55.52
72.16
67.77
39.03
36.66
2008
179.00
179.25
171.75
179.50
206.50
180.50
182.50
165.75
156.25
90.00
65.00
64.25
Body
BoD
AudC
RemC
BoD
BoD
AudC
RemC
BoD
BoD
AudC
BoD
BoD
BoD
BoD
BoD
BoD
RemC
BoD
BoD
BoD
ExeB
ExeB
ExeB
Dept
SenMan
SenMan
SenMan
SenMan
SenMan
Sales
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
Oper
OthDep
OthDep
Outlook Watch
Stable
IFRS
Unqualified
Original
31/12/2009
12 months
mil DKK
87,474.0
89,252.0
1,778.0
57,730.0
12,489.0
n.a.
38,504.0
6,737.0
145,204.0
1,183.0
11,434.0
157,821.0
125,664.0
68,780.0
45,314.0
11,570.0
6,911.0
n.a.
n.a.
6,911.0
15,859.0
n.a.
269.0
9,118.0
157,821.0
3,126.0
1,778.0
51,545.0
14.0
12,128.0
1,381.0
1,743.0
Unqualified
Original
31/12/2009
12 months
mil DKK
3,436.0
1,417.0
530.0
51.0
963.0
-127.0
2,746.0
1,195.0
86.0
998.0
217.0
781.0
4,830.0
n.a.
15.20
13.10
11,809.0
10,224.0
396.0
IFRS
Unqualified
Original
31/12/2009
12 months
mil DKK
4,090.0
1,605.0
31.0
5,726.0
1,334.0
956.0
2,290.0
3,436.0
530.0
n.a.
51.0
n.a.
963.0
-150.0
1,394.0
1,454.0
1,292.0
2,746.0
23.0
2,107.0
1,195.0
n.a.
912.0
n.a.
86.0
n.a.
n.a.
n.a.
998.0
217.0
n.a.
781.0
n.a.
23.0
0.0
0.0
804.0
n.a.
781.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
89,252.0
1,778.0
87,474.0
89,252.0
3,126.0
12,930.0
12,489.0
n.a.
38,194.0
n.a.
n.a.
n.a.
310.0
n.a.
38,504.0
413.0
n.a.
2.0
n.a.
6,735.0
145,204.0
862.0
n.a.
n.a.
1,183.0
0.0
14.0
32.0
11.0
n.a.
10,515.0
157,821.0
46,557.0
n.a.
22,223.0
68,780.0
45,314.0
n.a.
11,570.0
125,664.0
3,787.0
1,743.0
n.a.
5,530.0
n.a.
n.a.
131,194.0
n.a.
n.a.
269.0
8.0
208.0
27.0
n.a.
n.a.
15,616.0
147,322.0
1,381.0
n.a.
8,973.0
n.a.
n.a.
n.a.
145.0
9,118.0
157,821.0
9,100.0
9,100.0
4.45
1.86
3.96
1.71
2.38
1.55
2.38
28.86
56.85
1.74
26.68
1.33
56.72
11.55
0.58
21.74
2.70
1.17
9.89
0.49
10.18
0.51
n.a.
1.00
1.03
11.68
11.68
5.77
13.10
15.20
n.a.
5.78
n.a.
n.a.
n.a.
8.57
1.18
-7.86
3.50
1.99
56.88
14.78
1.30
0.43
3.50
129.76
27.56
52.43
n.a.
n.a.
10,633.0
n.a.
14.0
1,481.0
169,949.0
77,909.0
n.a.
77,909.0
91,986.0
144,569.3
157,970.3
n.a.
134,135.0
7,782.0
7,897.7
71,799.7
34,893.0
27,382.0
17,281.0
7,918.0
n.a.
n.a.
n.a.
n.a.
11,426.0
565.0
490.0
8.0
n.a.
n.a.
n.a.
n.a.
63,080.0
690.0
697.0
4,313.0
43,455.0
869.0
803.0
187.0
n.a.
4,835.0
3,787.0
n.a.
8,622.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,743.0
n.a.
781.0
n.a.
781.0
9,118.0
n.a.
n.a.
9,118.0
9,118.0
0.0
0.0
0.0
14.0
4.0
0.0
0.0
9,100.0
0.0
0.0
9,100.0
3,900.0
n.a.
n.a.
n.a.
n.a.
4,090.0
n.a.
n.a.
n.a.
n.a.
n.a.
1,334.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
465.0
69.0
396.0
141.0
1,637.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
742.0
418.0
7,813.0
n.a.
n.a.
n.a.
n.a.
9,118.0
9,118.0
n.a.
n.a.
n.a.
145.0
145.0
n.a.
n.a.
n.a.
0.0
145.0
n.a.
145.0
n.a.
9,118.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,381.0
n.a.
n.a.
n.a.
n.a.
n.a.
0.0
10,224.0
11,809.0
13.10
15.20
77,909.0
62,608.0
8,764.0
6,537.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
38,504.0
n.a.
38,504.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,369
n.a.
13.10
n.a.
15.20
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2009
1.99
34.78
56.88
3.50
0.43
20.04
34.28
14.78
13.10
15.20
5.78
10.42
7.26
6.26
7.76
14.00
9.74
8.41
14.24
2.39
2.19
0.90
2.51
0.58
-0.08
0.50
9.64
n.a.
n.a.
11.01
56.58
1.34
27.56
55.43
69.61
67.57
41.02
39.82
2007
292.50
295.00
300.00
308.00
300.50
264.00
278.50
250.00
227.50
236.75
216.00
219.25
10/30/2012
106.10
115.60
87.25
10/30/2012
-0.28
-2.12
7.72
-3.02
15.22
15.58
12.22
0.55
0.21
0.99
0.37
0.19
0.60
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.33
0.21
0.17
0.15
0.13
Source
VI
VI
VI
KO
VI
VI
VI
KO
KO, VI
VI
KO, VI
KO, VI
KO, VI
VI
KO
VI
VI
VI
VI
KO, VI
VI
VI
VI
Source
VI
KO, VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
VI
IFRS
Unqualified
Original
31/12/2008
12 months
mil DKK
95,758.0
96,864.0
1,106.0
46,246.0
12,165.0
n.a.
28,296.0
5,785.0
142,004.0
1,159.0
12,812.0
155,975.0
121,163.0
75,007.0
38,889.0
7,267.0
12,825.0
n.a.
n.a.
12,825.0
14,820.0
n.a.
79.0
7,088.0
155,975.0
1,959.0
1,106.0
40,981.0
15.0
9,654.0
1,382.0
2,837.0
Unqualified
Original
31/12/2008
12 months
mil DKK
2,796.0
1,007.0
65.0
50.0
898.0
-6.0
2,579.0
575.0
162.0
811.0
205.0
606.0
3,786.0
n.a.
13.20
9.70
10,989.0
8,069.0
455.0
IFRS
Unqualified
Original
31/12/2008
12 months
mil DKK
5,525.0
1,932.0
31.0
7,488.0
2,737.0
1,955.0
4,692.0
2,796.0
65.0
n.a.
50.0
n.a.
898.0
-23.0
990.0
1,452.0
1,127.0
2,579.0
17.0
1,224.0
575.0
n.a.
649.0
n.a.
305.0
143.0
n.a.
n.a.
811.0
205.0
n.a.
606.0
n.a.
0.0
0.0
0.0
606.0
n.a.
606.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
96,864.0
1,106.0
95,758.0
96,864.0
1,959.0
13,282.0
12,165.0
n.a.
28,064.0
n.a.
n.a.
n.a.
232.0
n.a.
28,296.0
926.0
n.a.
8.0
n.a.
5,777.0
142,004.0
752.0
n.a.
n.a.
1,159.0
0.0
15.0
186.0
10.0
n.a.
11,849.0
155,975.0
43,496.0
n.a.
31,511.0
75,007.0
38,889.0
n.a.
7,267.0
121,163.0
8,606.0
2,837.0
n.a.
11,443.0
n.a.
n.a.
132,606.0
n.a.
n.a.
79.0
13.0
24.0
19.0
n.a.
n.a.
14,764.0
147,505.0
1,382.0
n.a.
6,977.0
n.a.
n.a.
n.a.
111.0
7,088.0
155,975.0
7,070.0
7,070.0
6.03
3.93
5.51
3.76
2.06
1.63
2.06
26.15
68.12
1.77
17.55
0.84
46.98
9.30
0.44
25.28
1.64
0.87
8.69
0.41
8.69
0.41
n.a.
0.81
0.81
9.48
9.48
4.54
9.70
13.20
n.a.
4.54
n.a.
n.a.
n.a.
8.55
17.87
15.42
2.02
1.14
56.46
12.03
0.63
0.50
2.02
129.14
31.28
56.56
n.a.
n.a.
8,139.0
n.a.
5.0
1,510.0
165,629.0
74,608.0
n.a.
74,608.0
91,604.3
135,981.7
146,048.7
n.a.
124,737.0
6,874.3
6,975.7
69,559.3
34,852.0
33,272.0
18,723.0
8,911.0
n.a.
n.a.
n.a.
n.a.
9,613.0
1,163.0
1,373.0
16.0
n.a.
n.a.
n.a.
n.a.
67,616.0
2,650.0
708.0
4,033.0
36,434.0
1,427.0
859.0
169.0
n.a.
1,490.0
8,606.0
n.a.
10,096.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,837.0
n.a.
606.0
n.a.
606.0
7,088.0
n.a.
n.a.
7,088.0
7,088.0
0.0
0.0
0.0
15.0
3.0
0.0
0.0
7,070.0
0.0
0.0
7,070.0
3,030.0
n.a.
n.a.
n.a.
n.a.
5,525.0
n.a.
n.a.
n.a.
n.a.
n.a.
2,737.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
26,749.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
610.0
27,359.0
n.a.
n.a.
n.a.
n.a.
n.a.
705.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,315.0
499.0
44.0
455.0
152.0
954.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
675.0
411.0
5,891.0
n.a.
n.a.
n.a.
n.a.
7,088.0
7,088.0
n.a.
n.a.
n.a.
111.0
111.0
n.a.
n.a.
n.a.
0.0
111.0
n.a.
111.0
n.a.
7,088.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,382.0
n.a.
n.a.
n.a.
n.a.
n.a.
0.0
8,069.0
10,989.0
9.70
13.20
74,608.0
60,616.0
7,261.0
6,731.0
n.a.
74,608.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
28,296.0
n.a.
28,296.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,479
n.a.
9.70
n.a.
13.20
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2008
1.14
20.57
56.46
2.02
0.50
38.53
27.64
12.03
9.70
13.20
4.54
7.40
5.85
4.90
7.25
11.81
9.33
7.82
25.09
2.09
1.94
0.70
2.19
0.45
-0.03
0.42
8.79
n.a.
n.a.
26.73
67.82
0.85
31.28
61.39
79.03
73.79
33.82
31.58
2006
160.00
184.00
193.00
215.00
210.00
193.50
200.00
218.00
216.50
231.00
239.50
270.00
IFRS IFRS IFRS
31/12/2007 31/12/2006 31/12/2005
83,027.0 73,183.0 60,712.0

83,922.0 74,641.0 62,281.0
895.0 1,458.0 1,569.0
42,899.0 36,694.0 30,044.0
18,450.0 15,708.0 10,967.0
n.a. n.a. n.a.
17,657.0 14,420.0 13,417.0
6,792.0 6,566.0 5,660.0
125,926.0 109,877.0 90,756.0
965.0 833.0 797.0
5,432.0 4,048.0 7,360.0
132,323.0 114,758.0 98,913.0
99,349.0 83,011.0 74,897.0

66,037.0 49,991.0 43,590.0
26,523.0 26,498.0 25,692.0
6,789.0 6,522.0 5,615.0
13,905.0 13,524.0 9,532.0
n.a. n.a. n.a.
n.a. n.a. n.a.
13,905.0 13,524.0 9,532.0
12,301.0 11,638.0 9,289.0
n.a. n.a. n.a.
71.0 236.0 209.0
6,697.0 6,349.0 4,986.0
132,323.0 114,758.0 98,913.0
698.0 2,279.0 3,035.0

895.0 1,458.0 1,569.0
35,939.0 29,958.0 27,701.0
n.a. n.a. n.a.
10,968.0 15,191.0 13,765.0
n.a. n.a. n.a.

3,829.0 3,475.0 2,831.0

31/12/2007 31/12/2006 31/12/2005
2,151.0 1,912.0 1,728.0
1,715.0 2,004.0 1,511.0
n.a. n.a. n.a.
n.a. n.a. n.a.
1,282.0 1,178.0 983.0
433.0 826.0 528.0
2,214.0 2,039.0 1,862.0
-568.0 -171.0 65.0
37.0 3.0 1.0
2,257.0 2,051.0 1,313.0
547.0 537.0 377.0
1,710.0 1,514.0 936.0
3,866.0 3,916.0 3,239.0
223.0 230.0 210.0
11.90 11.80 11.10

8.90 9.00 8.10
9,786.0 9,244.0 7,296.0
7,259.0 7,052.0 4,986.0
-39.0 -22.0 n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
4,744.0 3,289.0 2,294.0

857.0 723.0 610.0
24.0 26.0 16.0
5,625.0 4,038.0 2,920.0
2,851.0 1,732.0 1,042.0

623.0 394.0 150.0
3,474.0 2,126.0 1,192.0
2,151.0 1,912.0 1,728.0
n.a. n.a. n.a.

400.0 802.0 503.0
n.a. n.a. n.a.
n.a. n.a. n.a.
1,282.0 1,178.0 983.0
33.0 24.0 25.0
1,715.0 2,004.0 1,511.0
1,263.0 1,186.0 1,074.0
951.0 853.0 788.0
2,214.0 2,039.0 1,862.0
n.a. n.a. n.a.

1,652.0 1,877.0 1,377.0
-568.0 -171.0 65.0
n.a. n.a. n.a.
2,220.0 2,048.0 1,312.0
37.0 3.0 -1.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 0.0 2.0
2,257.0 2,051.0 1,313.0
547.0 537.0 377.0
n.a. n.a. n.a.
1,710.0 1,514.0 936.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
102.0 n.a. n.a.
1,812.0 1,514.0 936.0
n.a. n.a. n.a.
1,710.0 1,514.0 936.0
223.0 230.0 210.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
83,922.0 74,641.0 62,281.0
895.0 1,458.0 1,569.0
83,027.0 73,183.0 60,712.0
83,922.0 74,641.0 62,281.0
698.0 2,279.0 3,035.0
n.a. n.a. n.a.
18,450.0 15,708.0 10,967.0

n.a. n.a. n.a.
16,812.0 13,679.0 12,697.0
n.a. n.a. n.a.
644.0 592.0 577.0
n.a. n.a. n.a.
201.0 149.0 143.0
n.a. n.a. n.a.
17,657.0 14,420.0 13,417.0
816.0 829.0 n.a.
n.a. n.a. n.a.
3.0 44.0 45.0
n.a. n.a. n.a.
6,789.0 6,522.0 5,615.0
125,926.0 109,877.0 90,756.0
677.0 571.0 4,037.0

n.a. n.a. n.a.
n.a. n.a. n.a.
965.0 833.0 797.0
n.a. n.a. n.a.
n.a. n.a. n.a.
35.0 55.0 84.0
23.0 6.0 0.0
n.a. n.a. n.a.
4,697.0 3,416.0 3,239.0
132,323.0 114,758.0 98,913.0
41,599.0 36,510.0 33,785.0

n.a. n.a. n.a.
24,438.0 13,481.0 9,805.0
66,037.0 49,991.0 43,590.0
26,523.0 26,498.0 25,692.0
n.a. n.a. n.a.
6,789.0 6,522.0 5,615.0
99,349.0 83,011.0 74,897.0
10,076.0 10,049.0 6,701.0
3,829.0 3,475.0 2,831.0
n.a. n.a. n.a.
13,905.0 13,524.0 9,532.0
n.a. n.a. n.a.
n.a. n.a. n.a.
113,254.0 96,535.0 84,429.0
n.a. n.a. n.a.

n.a. n.a. n.a.
71.0 236.0 209.0
19.0 28.0 20.0
114.0 110.0 58.0
85.0 67.0 56.0
n.a. n.a. n.a.
n.a. n.a. n.a.
12,083.0 11,433.0 9,155.0
125,626.0 108,409.0 93,927.0
n.a. n.a. n.a.

n.a. n.a. n.a.
6,595.0 6,349.0 4,986.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
102.0 0.0 0.0
6,697.0 6,349.0 4,986.0
132,323.0 114,758.0 98,913.0
n.a. n.a. n.a.
n.a. n.a. n.a.
6.04 4.81 4.16

4.94 3.72 2.42
4.82 4.00 3.66
3.33 2.34 1.58
1.84 1.90 2.16
2.33 2.07 2.08
1.84 1.90 2.16
44.36 51.17 46.65

57.27 52.07 57.49
1.80 1.90 2.10
25.73 34.10 29.61
1.35 1.75 1.55
-34.38 -9.11 4.72
34.57 37.20 28.21
1.81 1.91 1.48
24.24 26.18 28.71
2.02 2.39 2.10
2.71 2.60 2.00
26.63 27.50 20.13

1.39 1.41 1.06
28.22 27.50 20.13
1.48 1.41 1.06
n.a. n.a. n.a.
2.09 1.93 1.42
2.21 1.93 1.42
n.a. n.a. n.a.
n.a. n.a. n.a.
5.04 5.53 5.04
8.90 9.00 8.10
11.90 11.80 11.10
n.a. n.a. n.a.
5.06 5.53 5.04
13.04 15.19 22.44
12.31 15.19 22.44
n.a. n.a. n.a.
22.20 20.22 14.56
15.31 16.02 25.88

12.43 19.85 31.00
0.83 3.05 4.87
1.07 1.95 2.52
128.22 63.98 51.70
-2.94 12.93 29.40
-0.72 -0.25 0.12
-0.05 -0.03 n.a.
0.83 3.05 4.87
127.08 149.31 142.88

69.56 59.28 42.69
58.31 51.79 51.63
n.a. n.a. n.a.

n.a. n.a. n.a.
10,646.0 14,880.0 13,704.0
n.a. n.a. n.a.
235.0 237.0 38.0
87.0 74.0 23.0
143,291.0 129,949.0 112,678.0
81,917.0 78,620.0 65,718.0
n.a. n.a. n.a.
81,917.0 78,620.0 65,718.0
78,490.0 68,400.3 55,084.3

116,632.7 100,851.0 79,824.3
122,741.0 107,046.7 88,680.3
n.a. n.a. n.a.
104,272.3 90,669.3 75,656.7
6,387.3 5,504.7 4,650.3
6,421.3 5,504.7 4,650.3
57,699.3 46,512.3 43,103.3
26,533.0 n.a. n.a.

29,438.0 n.a. n.a.
20,641.0 n.a. n.a.
6,415.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
16,667.0 n.a. n.a.

798.0 n.a. n.a.
1,402.0 n.a. n.a.
260.0 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
61,129.0 n.a. n.a.

1,284.0 n.a. n.a.
3,624.0 n.a. n.a.
n.a. n.a. n.a.
23,159.0 n.a. n.a.

3,183.0 n.a. n.a.
181.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
10,076.0 n.a. n.a.
n.a. n.a. n.a.
10,076.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,829.0 3,475.0 2,831.0
n.a. n.a. n.a.
1,710.0 1,514.0 936.0

n.a. n.a. n.a.
n.a. n.a. n.a.
6,697.0 6,349.0 4,986.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
6,697.0 6,349.0 4,986.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
23.0 6.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
4,744.0 3,289.0 2,294.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,851.0 1,732.0 1,042.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
16,145.0 13,112.0 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
667.0 567.0 12,697.0
16,812.0 13,679.0 12,697.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
644.0 n.a. n.a.
n.a. 592.0 577.0
644.0 592.0 577.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,311.0 1,159.0 13,274.0
28.0 n.a. n.a.

67.0 n.a. n.a.
-39.0 -22.0 n.a.
157.0 196.0 162.0

738.0 1,262.0 1,407.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
675.0 700.0 700.0

n.a. n.a. n.a.
5,920.0 5,649.0 4,286.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
6,697.0 6,349.0 4,986.0
6,595.0 6,349.0 4,986.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
11.0 n.a. n.a.
11.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
11.0 n.a. n.a.
n.a. n.a. n.a.
11.0 n.a. n.a.
n.a. n.a. n.a.
6,697.0 6,349.0 4,986.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
223.0 230.0 210.0
223.0 230.0 210.0
n.a. n.a. n.a.
23.0 6.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

7,259.0 7,052.0 4,986.0
9,786.0 9,244.0 7,296.0
8.90 9.00 8.10
11.90 11.80 11.10
81,917.0 78,620.0 65,718.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
17,657.0 14,420.0 13,417.0
n.a. n.a. n.a.
17,657.0 14,420.0 13,417.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,276 2,267 2,151

n.a. n.a. n.a.
8.90 9.00 8.10
n.a. n.a. n.a.
11.90 11.80 11.10
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
1.07 1.95 2.52

-26.41 -8.94 3.76
128.22 63.98 51.70
0.83 3.05 4.87
-0.05 -0.03 n.a.
-3.42 -1.64 n.a.
10.42 35.90 60.87
n.a. 12.93 29.40
8.90 9.00 8.10

11.90 11.80 11.10
5.06 5.53 5.04
8.07 8.68 8.21
6.74 7.65 6.66
5.50 6.05 5.47
7.96 8.56 7.90
12.68 13.42 12.88
10.60 11.84 10.44
8.64 9.36 8.58
36.38 35.37 36.22
1.82 1.91 2.11
1.74 1.79 1.95
1.39 1.88 1.70
1.33 1.75 2.17
1.80 1.92 1.48
-0.41 -0.50 -0.42
1.38 1.42 1.06
26.22 26.71 19.88
13.04 15.19 22.44
22.80 22.66 15.42
2.16 0.20 0.11
57.27 52.07 57.49
1.34 1.76 1.55
69.56 59.28 42.69

62.75 63.77 61.38
83.57 88.16 81.06
75.88 78.64 74.40
36.17 36.09 36.99
32.84 32.19 33.95
2005
1,166.00
1,160.00
116.00
124.00
125.50
138.50
148.50
146.00
149.50
144.00
146.50
151.00
IFRS
Audited
Original
31/12/2004
12 months
mil DKK
47,544.0
47,544.0
n.a.
25,599.0
9,294.0
n.a.
11,401.0
4,904.0
73,143.0
779.0
4,654.0
78,576.0
62,553.0
43,477.0
19,076.0
n.a.
3,676.0
n.a.
n.a.
3,676.0
7,777.0
n.a.
139.0
4,431.0
78,576.0
n.a.
n.a.
20,298.0
n.a.
10,459.0
n.a.
1,816.0
Audited
Original
31/12/2004
12 months
mil DKK
1,702.0
1,231.0
n.a.
n.a.
832.0
399.0
1,723.0
225.0
n.a.
985.0
235.0
750.0
2,933.0
210.0
11.40
9.30
5,828.0
4,431.0
n.a.
IFRS
Audited
Original
31/12/2004
12 months
mil DKK
2,014.0
501.0
40.0
2,555.0
759.0
94.0
853.0
1,702.0
n.a.
372.0
n.a.
n.a.
832.0
27.0
1,231.0
977.0
746.0
1,723.0
n.a.
1,210.0
225.0
n.a.
985.0
n.a.
n.a.
n.a.
n.a.
n.a.
985.0
235.0
n.a.
750.0
n.a.
n.a.
n.a.
n.a.
750.0
n.a.
750.0
210.0
n.a.
n.a.
n.a.
n.a.
n.a.
47,544.0
n.a.
47,544.0
47,544.0
n.a.
n.a.
9,294.0
n.a.
10,410.0
n.a.
844.0
n.a.
147.0
n.a.
11,401.0
n.a.
n.a.
47.0
n.a.
4,857.0
73,143.0
594.0
n.a.
n.a.
779.0
n.a.
n.a.
161.0
0.0
n.a.
3,899.0
78,576.0
32,535.0
n.a.
10,942.0
43,477.0
19,076.0
n.a.
n.a.
62,553.0
1,860.0
1,816.0
n.a.
3,676.0
n.a.
n.a.
66,229.0
n.a.
n.a.
139.0
3.0
16.0
58.0
n.a.
n.a.
7,700.0
74,145.0
n.a.
n.a.
4,431.0
n.a.
n.a.
n.a.
0.0
4,431.0
78,576.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
41.97
58.75
n.a.
n.a.
n.a.
18.60
n.a.
n.a.
23.86
2.37
1.93
n.a.
n.a.
n.a.
n.a.
n.a.
1.47
1.47
n.a.
n.a.
5.64
9.30
11.40
n.a.
5.64
28.00
28.00
n.a.
12.19
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
109.35
48.72
65.65
n.a.
n.a.
10,339.0
n.a.
98.0
22.0
89,035.0
51,128.0
n.a.
51,128.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
1,816.0
n.a.
750.0
n.a.
n.a.
4,431.0
n.a.
n.a.
n.a.
4,431.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,014.0
n.a.
n.a.
n.a.
n.a.
n.a.
759.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
10,410.0
10,410.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
844.0
844.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
11,254.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
700.0
n.a.
3,731.0
n.a.
n.a.
n.a.
n.a.
4,431.0
4,431.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,431.0
n.a.
n.a.
n.a.
n.a.
210.0
210.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,431.0
5,828.0
9.30
11.40
51,128.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
11,401.0
n.a.
11,401.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2,087
n.a.
9.30
n.a.
11.40
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2004
n.a.
13.22
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
9.30
11.40
5.64
9.32
7.08
6.13
7.95
13.14
9.99
8.64
29.07
2.33
2.17
1.57
2.48
n.a.
-0.30
0.95
16.93
28.00
12.19
n.a.
58.75
1.54
48.72
60.51
76.01
73.81
32.45
31.51
Nykredit Realkredit A/S
1780 COPENHAGEN V BvD ID number

DENMARK Index number
Status
The GUO of this controlled subsidiary is FORENINGEN NYKREDIT
Contact details
Kalvebod Brygge, 1-3 Phone number

Web Site Address
1780 COPENHAGEN V
DENMARK
Formerly known as Nykredit A/S

Bank History :
Established in April 1985.
Status Consolidation Code
Accounting Standards Nickname
Source
Accounts published in Release Date
Name of the Auditor Model
Latest total assets Ranking (Country), 2011

Latest net income Ranking (Country), rolling
World rank, 2011
No of recorded subsidiaries World rank, rolling
Specialisation
Peer Group

Size 1,148

EIU Date Action/Direction
Overall country rating 01/10/2012
Banking sector rating 01/10/2012
Global summary
Consolidated statements IFRS IFRS

Original Original
31/12/2011 31/12/2010
12 months 12 months
mil DKK mil DKK
BALANCE SHEET
Assets
Loans 1,163,232.0 1,103,540.0
Gross Loans 1,170,010.0 1,111,909.0
Less: Reserves for Impaired Loans/ NPLs 6,778.0 8,369.0
Other Earning Assets 200,625.0 185,445.0
Loans and Advances to Banks 59,175.0 58,149.0
Derivatives 39,752.0 27,156.0
Other Securities 100,945.0 99,295.0
Remaining earning assets 753.0 845.0
Total Earning Assets 1,363,857.0 1,288,985.0
Fixed Assets 1,954.0 2,057.0
Non-Earning Assets 27,094.0 20,098.0
Total Assets 1,392,905.0 1,311,140.0

Deposits & Short term funding 348,189.0 323,169.0
Total Customer Deposits 57,404.0 55,467.0
Deposits from Banks 133,498.0 116,846.0
Other Deposits and Short-term Borrowings 157,287.0 150,856.0
Other interest bearing liabilities 957,726.0 900,798.0
Derivatives 40,967.0 25,955.0
Trading Liabilities 15,036.0 7,193.0
Long term funding 901,723.0 867,650.0
Other (Non-Interest bearing) 30,967.0 30,553.0
Loan Loss Reserves n.a. n.a.
Other Reserves 713.0 1,300.0
Equity 55,310.0 55,320.0
Total Liabilities & Equity 1,392,905.0 1,311,140.0
Notes
Impaired Loans (Memo) 14,695.0 14,155.0
Loan Loss Reserves (Memo) 6,778.0 8,369.0
Liquid Assets (Memo) 164,989.0 154,491.0
Intangibles (Memo) 4,199.0 4,545.0
Off Balance Sheet Items 18,531.0 14,299.0
Hybrid Capital (Memo) 11,204.0 11,204.0

Subordinated Debts (Memo) 0.0 414.0
INCOME STATEMENT
Original Original
31/12/2011 31/12/2010
12 months 12 months
mil DKK mil DKK
Net Interest Revenue 10,168.0 11,262.0
Other Operating Income -1,442.0 1,751.0
Net Gains (Losses) on Trading and Derivatives n.a. n.a.
Net Gains (Losses) on Assets at FV through Income Statement -1,935.0 -559.0
Net Fees and Commissions 257.0 554.0
Remaining Operating Income 236.0 1,756.0
Overheads 5,974.0 6,030.0
Loan Loss Provisions 1,414.0 2,382.0
Other n.a. n.a.
Profit before Tax 1,338.0 4,601.0
Tax 223.0 785.0
Net Income 1,115.0 3,816.0
Operating Income (Memo) 8,716.0 12,977.0
Dividend Paid n.a. n.a.
Total Capital Ratio 17.10 18.50

Tier 1 Ratio 17.10 18.50
Total Capital 59,487.0 60,500.0
Tier 1 Capital 55,159.0 60,497.0
Net-Charge Offs n.a. n.a.

Original Original
31/12/2011 31/12/2010
12 months 12 months
mil DKK mil DKK
Income Statement
Interest Income on Loans 36,010.0 36,439.0

Other Interest Income 8,227.0 8,057.0
Dividend Income 65.0 52.0
Gross Interest and Dividend Income 44,302.0 44,548.0
Interest Expense on Customer Deposits 947.0 795.0

Other Interest Expense 33,187.0 32,491.0
Total Interest Expense 34,134.0 33,286.0
Net Interest Income 10,168.0 11,262.0

Net Gains (Losses) on Other Securities n.a. n.a.
Net Gains (Losses) on Assets at FV through Income Statement -1,935.0 -559.0
Net Insurance Income n.a. 1,511.0
Other Operating Income 226.0 209.0
Total Non-Interest Operating Income -1,452.0 1,715.0
Personnel Expenses 2,983.0 2,974.0
Other Operating Expenses 2,991.0 3,056.0
Total Non-Interest Expenses 5,974.0 6,030.0
Equity-accounted Profit/ Loss - Operating 10.0 36.0

Pre-Impairment Operating Profit 2,752.0 6,983.0
Loan Impairment Charge 1,414.0 2,382.0
Securities and Other Credit Impairment Charges n.a. n.a.
Operating Profit 1,338.0 4,601.0
Equity-accounted Profit/ Loss - Non-operating n.a. n.a.

Non-recurring Income n.a. n.a.
Non-recurring Expense n.a. n.a.
Change in Fair Value of Own Debt n.a. n.a.
Other Non-operating Income and Expenses n.a. n.a.
Pre-tax Profit 1,338.0 4,601.0
Tax expense 223.0 785.0
Profit/Loss from Discontinued Operations n.a. n.a.
Net Income 1,115.0 3,816.0
Change in Value of AFS Investments -854.0 261.0

Revaluation of Fixed Assets n.a. n.a.
Currency Translation Differences n.a. n.a.
Remaining OCI Gains/(losses) 147.0 -1.0
Fitch Comprehensive Income 408.0 4,076.0
Memo: Profit Allocation to Non-controlling Interests n.a. n.a.
Memo: Net Income after Allocation to Non-controlling Interests 1,115.0 3,816.0
Memo: Common Dividends Relating to the Period n.a. n.a.
Memo: Preferred Dividends Related to the Period n.a. n.a.
Balance Sheet
Assets
Loans
Residential Mortgage Loans 1,109,001.0 1,045,533.0
Other Mortgage Loans n.a. n.a.
Other Consumer/ Retail Loans 61,009.0 66,376.0
Corporate & Commercial Loans n.a. n.a.
Other Loans n.a. n.a.
Net Loans 1,163,232.0 1,103,540.0
Gross Loans 1,170,010.0 1,111,909.0
Memo: Impaired Loans included above 14,695.0 14,155.0
Memo: Loans at Fair Value included above n.a. n.a.
Reverse Repos and Cash Collateral n.a. n.a.
Trading Securities and at FV through Income 98,730.0 95,835.0
Derivatives 39,752.0 27,156.0
Available for Sale Securities 2,064.0 3,309.0
Held to Maturity Securities n.a. n.a.
At-equity Investments in Associates 151.0 151.0
Other Securities n.a. n.a.
Total Securities 140,697.0 126,451.0
Memo: Government Securities included Above 9,768.0 8,285.0
Memo: Total Securities Pledged n.a. n.a.
Investments in Property 753.0 845.0
Insurance Assets n.a. n.a.
Other Earning Assets n.a. n.a.
Total Earning Assets 1,363,857.0 1,288,985.0
Non-earning Assets
Cash and Due From Banks 7,084.0 507.0
Memo: Mandatory Reserves included above n.a. n.a.
Foreclosed Real Estate 621.0 404.0
Fixed Assets 1,954.0 2,057.0
Goodwill 2,787.0 2,769.0
Other Intangibles 1,412.0 1,776.0
Current Tax Assets 344.0 188.0
Deferred Tax Assets 741.0 747.0
Discontinued Operations n.a. n.a.
Other Assets 14,105.0 13,707.0
Total Assets 1,392,905.0 1,311,140.0
Customer Deposits - Current 38,695.0 39,476.0
Customer Deposits - Savings n.a. n.a.
Customer Deposits - Term 18,709.0 15,991.0
Repos and Cash Collateral 15,872.0 20,967.0
Total Deposits, Money Market and Short-term Funding 348,189.0 323,169.0
Senior Debt Maturing after 1 Year 890,519.0 856,032.0
Subordinated Borrowing 0.0 414.0
Other Funding n.a. n.a.
Total Long Term Funding 890,519.0 856,446.0
Derivatives 40,967.0 25,955.0
Total Funding 1,294,711.0 1,212,763.0
Fair Value Portion of Debt n.a. n.a.
Credit impairment reserves n.a. n.a.
Reserves for Pensions and Other 713.0 1,300.0
Current Tax Liabilities 201.0 160.0
Deferred Tax Liabilities 526.0 621.0
Other Deferred Liabilities 4.0 6.0
Insurance Liabilities n.a. n.a.
Other Liabilities 30,236.0 29,766.0
Total Liabilities 1,326,391.0 1,244,616.0
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as Debt 11,204.0 11,204.0
Pref. Shares and Hybrid Capital accounted for as Equity n.a. n.a.
Equity
Common Equity 54,328.0 53,484.0
Non-controlling Interest n.a. n.a.
Securities Revaluation Reserves 982.0 1,836.0
Foreign Exchange Revaluation Reserves n.a. n.a.
Fixed Asset Revaluations and Other Accumulated OCI n.a. n.a.
Total Equity 55,310.0 55,320.0
Total Liabilities and Equity 1,392,905.0 1,311,140.0
Memo: Fitch Core Capital 50,370.0 50,028.0
Memo: Fitch Eligible Capital 50,370.0 50,028.0
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans% 3.17 3.34
Interest Expense on Customer Deposits/ Average Customer 1.72 1.34
Deposits%
Interest Income/ Average Earning Assets% 3.43 3.59
Interest Expense/ Average Interest-bearing Liabilities% 2.78 2.84
Net Interest Income/ Average Earning Assets% 0.79 0.91
Net Int. Inc Less Loan Impairment Charges/ Av. Earning Assets% 0.68 0.72
Net Interest Inc Less Preferred Stock Dividend/ Average Earning 0.79 0.91
Assets%
Non-Interest Income/ Gross Revenues% -16.66 13.22
Non-Interest Expense/ Gross Revenues% 68.54 46.47
Non-Interest Expense/ Average Assets% 0.45 0.47
Pre-impairment Op. Profit/ Average Equity% 4.96 13.14
Pre-impairment Op. Profit/ Average Total Assets% 0.21 0.54
Loans and securities impairment charges/ Pre-impairment Op. 51.38 34.11
Profit%
Operating Profit/ Average Equity% 2.41 8.66
Operating Profit/ Average Total Assets% 0.10 0.36
Taxes/ Pre-tax Profit% 16.67 17.06
Pre-Impairment Operating Profit / Risk Weighted Assets% 0.79 2.13
Operating Profit / Risk Weighted Assets% 0.38 1.40
Net Income/ Average Total Equity% 2.01 7.18
Net Income/ Average Total Assets% 0.08 0.30
Fitch Comprehensive Income/ Average Total Equity% 0.74 7.67
Fitch Comprehensive Income/ Average Total Assets% 0.03 0.32
Net Income/ Av. Total Assets plus Av. Managed Securitized Assets n.a. n.a.
% Income/ Risk Weighted Assets%
Net 0.32 1.16
Fitch Comprehensive Income/ Risk Weighted Assets% 0.12 1.24
Capitalization
Fitch Core Capital/Weighted Risks% 14.47 15.27
Fitch Eligible Capital/ Weighted Risks% 14.47 15.27
Tangible Common Equity/ Tangible Assets% 3.63 3.83
Tier 1 Regulatory Capital Ratio% 17.10 18.50
Total Regulatory Capital Ratio% 17.10 18.50
Core Tier 1 Regulatory Capital Ratio% 13.90 15.10
Equity/ Total Assets% 3.97 4.22
Cash Dividends Paid & Declared/ Net Income% n.a. n.a.
Cash Dividend Paid & Declared/ Fitch Comprehensive Income% n.a. n.a.
Cash Dividends & Share Repurchase/Net Income% n.a. n.a.
Net Income - Cash Dividends/ Total Equity% 2.02 6.90
Loan Quality
Growth of Total Assets% 6.24 5.13
Growth of Gross Loans% 5.23 4.43
Impaired Loans(NPLs)/ Gross Loans% 1.26 1.27
Reserves for Impaired Loans/ Gross loans% 0.58 0.75
Reserves for Impaired Loans/ Impaired Loans% 46.12 59.12
Impaired Loans less Reserves for Imp Loans/ Equity% 14.31 10.46
Loan Impairment Charges/ Average Gross Loans% 0.12 0.22
Net Charge-offs/ Average Gross Loans% n.a. n.a.
Impaired Loans + Foreclosed Assets/ Gross Loans + Foreclosed 1.31 1.31
Assets%
Funding
Loans/ Customer Deposits% n.s. n.s.
Interbank Assets/ Interbank Liabilities% 50.31 60.65
Customer Deposits/ Total Funding excl Derivatives% 4.58 4.67
Reference Data
Managed Securitized Assets Reported Off-Balance Sheet n.a. n.a.
Other off-balance sheet exposure to securitizations n.a. n.a.
Guarantees 7,361.0 3,369.0
Acceptances and documentary credits reported off-balance sheet n.a. n.a.
Committed Credit Lines 6,517.0 6,814.0
Other Contingent Liabilities 4,653.0 4,116.0
Total Business Volume 1,411,436.0 1,325,439.0
Memo: Total Weighted Risks 348,155.0 327,665.0
Fitch Adjustments to Weighted Risks. n.a. n.a.
Fitch Adjusted Weighted Risks 348,155.0 327,665.0
Average Loans 1,134,885.3 1,091,759.3
Average Earning Assets 1,291,997.3 1,240,524.5
Average Assets 1,326,636.3 1,287,292.8
Average Managed Assets Securitized Assets (OBS) n.a. n.a.
Average Interest-Bearing Liabilities 1,225,870.3 1,173,061.8
Average Common equity 54,063.7 51,494.0
Average Equity 55,448.7 53,126.8
Average Customer Deposits 54,915.3 59,156.5
Maturities
Loans & Advances < 3 months 56,116.0 51,918.0
Loans & Advances 3 - 12 Months 15,606.0 16,364.0
Loans and Advances 1 - 5 Years 22,202.0 19,132.0
Loans & Advances > 5 years 1,069,349.0 1,016,125.0
Debt Securities < 3 Months n.a. n.a.
Debt Securities 3 - 12 Months n.a. n.a.
Debt Securities 1 - 5 Years n.a. n.a.
Debt Securities > 5 Years n.a. n.a.
Interbank < 3 Months 58,586.0 n.a.

Interbank 3 - 12 Months 560.0 n.a.
Interbank 1 - 5 Years n.a. n.a.
Interbank > 5 Years 29.0 n.a.
Retail Deposits < 3 months 45,833.0 44,252.0

Retail Deposits 3 - 12 Months 5,640.0 6,932.0
Retail Deposits 1 - 5 Years 4,220.0 2,614.0
Retail Deposits > 5 Years 1,712.0 1,669.0
Other Deposits < 3 Months n.a. n.a.

Other Deposits 3 - 12 Months n.a. n.a.
Other Deposits 1 - 5 Years n.a. n.a.
Other Deposits > 5 Years n.a. n.a.
Interbank < 3 Months 115,897.0 93,500.0

Interbank 3 - 12 Months 499.0 1,380.0
Interbank 1 - 5 Years 1,227.0 490.0
Interbank > 5 Years 4.0 509.0
Senior Debt Maturing < 3 months n.a. n.a.

Senior Debt Maturing 3-12 Months n.a. n.a.
Senior Debt Maturing 1- 5 Years n.a. n.a.
Senior Debt Maturing > 5 Years n.a. n.a.
Total Senior Debt on Balance Sheet n.a. n.a.
Fair Value Portion of Senior Debt n.a. n.a.
Covered Bonds n.a. n.a.
Subordinated Debt Maturing < 3 months n.a. n.a.
Subordinated Debt Maturing 3-12 Months n.a. n.a.
Subordinated Debt Maturing 1- 5 Year n.a. n.a.
Subordinated Debt Maturing > 5 Years n.a. n.a.
Total Subordinated Debt on Balance Sheet 0.0 414.0
Fair Value Portion of Subordinated Debt n.a. n.a.
Net Income 1,115.0 3,816.0
Add: Other Adjustments n.a. n.a.
Published Net Income 1,115.0 3,816.0
Equity 55,310.0 55,320.0
Add: Pref. Shares and Hybrid Capital accounted for as Equity n.a. n.a.
Published Equity 55,310.0 55,320.0

Total Equity as reported (including non-controlling interests) 55,310.0 55,320.0
Fair value effect incl in own debt/borrowings at fv on the B/S- CC 0.0 0.0
only
Non-loss-absorbing non-controlling interests 0.0 0.0
Goodwill 2,787.0 2,769.0
Other intangibles 1,412.0 1,776.0
Deferred tax assets deduction 741.0 747.0
Net asset value of insurance subsidiaries 0.0 0.0
First loss tranches of off-balance sheet securitizations 0.0 0.0
Fitch Core Capital 50,370.0 50,028.0
Eligible weighted Hybrid capital 0.0 0.0
Government held Hybrid Capital 0.0 0.0
Fitch Eligible Capital 50,370.0 50,028.0
Eligible Hybrid Capital Limit 21,587.1 21,440.5
Interest Income on Mortgage Loans n.a. n.a.
Interest Income on Other Consumer/ Retail Loans n.a. n.a.
Interest Income on Corporate & Commercial Loans n.a. n.a.
Interest Income on Other Loans n.a. n.a.
Total Interest Income on Loans 36,010.0 36,439.0
Memo: Interest on Leases included in Loan Interest n.a. n.a.
Memo: Interest Income on Impaired Financial Assets n.a. n.a.
Interest Expense on Customer Deposits - Current n.a. n.a.
Interest Expense on Customer Deposits - Savings n.a. n.a.
Interest Expense on Customer Deposits - Term n.a. n.a.
Total Interest Expense on Customer Deposits 947.0 795.0
Total Interest Expense on Other Deposits and ST Borrowing n.a. n.a.
Interest Expense on Long-term Borrowing n.a. n.a.
Interest Expense on Subordinated Borrowing n.a. n.a.
Interest Expense on Other Funding n.a. n.a.
Total Interest Expense on Long-term Funding n.a. n.a.
Memo: Interest on Hybrids included above n.a. n.a.
Memo: Interest Expense on Leases included above n.a. n.a.
Income from Foreign Exchange (ex trading) n.a. n.a.
Negative Goodwill in Non-operating Income n.a. n.a.
Goodwill write-off n.a. n.a.
Securities
Trading Assets - Debt Securities (where no issuer breakdown) n.a. n.a.
Trading Assets - Debt Securities - Governments n.a. n.a.
Trading Assets - Debt Securities - Banks n.a. n.a.
Trading Assets - Debt Securities - Corporates n.a. n.a.
Trading Assets - Debt Securities - Structured n.a. n.a.
Trading Assets - Equities n.a. n.a.
Trading Assets - Commodities n.a. n.a.
Debt Sec. designated at FV through the Income Statement (where n.a. n.a.
no split)
Debt Securities designated at FV through the Income Statement - n.a. n.a.
Governments
Banks
Corporates
Structured
Equity Securities designated at FV through the Income Statement n.a. n.a.
Loans at FV through the Income Statement n.a. n.a.
Trading Assets - Other n.a. n.a.
Total Trading Assets at FV through the Income Statement n.a. n.a.
AFS Assets - Debt Securities (where no issuer breakdown) n.a. n.a.
AFS Assets - Government n.a. n.a.
AFS Assets - Banks n.a. n.a.
AFS Assets - Corporates n.a. n.a.
AFS Assets - Structured n.a. n.a.
AFS Assets - Equities n.a. n.a.
AFS Assets - Other n.a. n.a.
Total AFS Assets 2,064.0 3,309.0
HTM - Debt Securities (where no issuer breakdown) n.a. n.a.
HTM - Government n.a. n.a.
HTM Assets - Banks n.a. n.a.
HTM Assets - Corporates n.a. n.a.
HTM Assets - Structured n.a. n.a.
Total HTM Debt Securities n.a. n.a.
Total Debt Securities - Government n.a. n.a.
Total Debt Securities - Banks n.a. n.a.
Total Debt Securities - Corporates n.a. n.a.
Total Debt Securities - Structured n.a. n.a.
Total Debt Securities - Equities & Other n.a. n.a.
Asset Quality Data

Net Charge-offs
Gross Charge-offs n.a. n.a.
Recoveries n.a. n.a.
Net Charge-offs n.a. n.a.
Reserves
Collective/General Loan Impairment Reserves 1,434.0 1,389.0
Individual/Specific Loan Impairment Reserves 5,345.0 6,980.0
Normal Loans n.a. n.a.
Special Mention Loans n.a. n.a.
Substandard Loans n.a. n.a.
Doubtful Loans n.a. n.a.
Loss Loans n.a. n.a.
Other Classified Loans n.a. n.a.
+90 Days past due n.a. n.a.

Nonaccrual Loans 2,464.0 4,501.0
Restructured Loans n.a. n.a.
Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 1,182.0 1,182.0
Legal Reserves n.a. 1,357.0
Retained Earnings 5,075.0 16,987.0
Profit/Loss Reserve/Income for the period net of dividends n.a. n.a.
Stock Options to be Settled in Equity n.a. n.a.
Treasury Shares n.a. n.a.
Non-controlling Interest n.a. n.a.
Other Common Equity 55,310.0 55,320.0
Total Common Equity 55,310.0 55,320.0
Valuation Reserves for AFS Securities in OCI Total 982.0 1,836.0
Valuation Reserves for FX in OCI n.a. n.a.
Valuation Reserves for PP&E/Fixed Assets in OCI n.a. n.a.
Valuation Reserves in OCI - Other 151.0 4.0
Total Valuation Reserves in OCI 1,133.0 1,840.0
Cash Flow Hedge Reserve n.a. n.a.
Stock Options to be Settles with Equity Securities n.a. n.a.
Pension Reserve Direct to Equity n.a. n.a.
Other OCI Reserves 47,720.0 35,490.0
Total OCI Reserves 48,853.0 37,330.0
Other Equity Reserves n.a. n.a.
Total Other Equity Reserves 48,853.0 37,330.0
Hybrid Securities Reported in Equity n.a. n.a.
Total Reported Equity including Non-controlling Interests 55,310.0 55,320.0
Non-controlling Minority Interest - not loss-absorbing n.a. n.a.
Component of Convertible Bond Reported in Equity n.a. n.a.
Other Non-loss Absorbing Items Reported in Equity n.a. n.a.
Dividend Declared after Year-End 200.0 300.0
Total Dividends Related to Period n.a. n.a.
Total Dividends Paid and Declared in Period n.a. n.a.
Share Repurchase n.a. n.a.
Deferred Tax Assets to be Deducted from Core Capital 741.0 747.0
Intangibles to be deducted from Core Capital n.a. n.a.
Embedded Value n.a. n.a.
Hybrid Capital Fitch Class A n.a. n.a.
Hybrid Capital Fitch Class B n.a. n.a.
Hybrid Capital Fitch Class C n.a. n.a.
Hybrid Capital Fitch Class D n.a. n.a.
Hybrid Capital Fitch Class E n.a. n.a.
Weighted Total of Fitch Hybrid Capital Classes n.a. 0.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) Govt held Hybrid 0.0 0.0
Capital
Regulatory Tier 1 Capital 55,159.0 60,497.0
Total Regulatory Capital 59,487.0 60,500.0
Risk Weighted Assets including floor/cap per Basel II 348,155.0 327,665.0
Risk Weighted Assets - Credit Risk n.a. n.a.
Risk Weighted Assets - Market Risk n.a. n.a.
Risk Weighted Assets - Operational Market Risk n.a. n.a.
Risk Weighted Assets - Other n.a. n.a.
Risk-Weighted Assets excluding Floor/Cap per Basel II n.a. n.a.
Capital Charge Credit Risk n.a. n.a.
Capital Charge Market Risk n.a. n.a.
Capital Charge Operational Market Risk n.a. n.a.
Net Open FX Positions n.a. n.a.
Value at Risk in Line with Basel II/CRD/Nat. Leg. n.a. n.a.
Standardised Interest Rate Shock n.a. n.a.
IRB Banks: Expected Loss n.a. n.a.
IRB Banks: Loan Loss Reserves n.a. n.a.
First Loss Pieces Retained from Securitisations n.a. n.a.
Equity Investments deducted from Regulatory Capital n.a. n.a.
Pledged Securities n.a. n.a.
Unencumbered Securities 140,697.0 126,451.0
Reverse repurchase agreements included in loans n.a. n.a.
Reverse repurchase agreements included in loans and advances to n.a. n.a.
banks
Reverse repurchase agreements in assets - other n.a. n.a.
Cash collateral on securities borrowed n.a. n.a.
Repurchase agreements included in customer deposits n.a. n.a.
Repurchase agreements included in deposits from banks n.a. n.a.
Repurchase agreements included in liabilities - other n.a. n.a.
Cash collateral on securities lent n.a. n.a.
Average Reverse repurchase agreements included in loans n.a. n.a.
Number of Employees 4,139 4,026

Number of Branches n.a. n.a.
Regulatory Tier I Capital Ratio% 17.10 18.50
Regulatory Total Capital Ratio% 17.10 18.50
Leverage Ratio% n.a. n.a.
Assets under Management n.a. n.a.
Assets under Administration n.a. n.a.
Total Trust Assets n.a. n.a.
Deposits of Governments and Municipalities n.a. n.a.
Total Exposure to Central Bank 19,788.0 13,578.0
Government n.a. n.a.
Related Party Loans n.a. n.a.
Trust Account Loans n.a. n.a.
Lease financing n.a. n.a.
Ratios

31/12/2011 31/12/2010
Assets Quality
Loan Loss Res / Gross Loans 0.58 0.75
Loan Loss Prov / Net Int Rev 13.91 21.15
Loan Loss Res / Impaired Loans 46.13 59.12
Impaired Loans / Gross Loans 1.26 1.27
NCO / Average Gross Loans n.a. n.a.
NCO / Net Inc Bef Ln Lss Prov n.a. n.a.
Impaired Loans / Equity 26.57 25.59
Unreserved Impaired Loans / Equity 14.31 10.46
Capital
Tier 1 Ratio 17.10 18.50
Equity / Tot Assets 3.97 4.22
Equity / Net Loans 4.76 5.01
Equity / Cust & Short Term Funding 15.89 17.12
Equity / Liabilities 4.17 4.45
Cap Funds / Tot Assets 4.78 5.11
Cap Funds / Net Loans 5.72 6.07
Cap Funds / Dep & ST Funding 19.10 20.71
Cap Funds / Liabilities 5.02 5.38
Subord Debt / Cap Funds 0.00 0.62
Operations
Net Interest Margin 0.77 0.90
Net Int Rev / Avg Assets 0.75 0.88
Oth Op Inc / Avg Assets -0.11 0.14
Non Int Exp / Avg Assets 0.55 0.66
Pre-Tax Op Inc / Avg Assets n.a. n.a.
Non Op Items & Taxes / Avg Ast -0.02 -0.06
Return On Avg Assets (ROAA) 0.08 0.30
Return On Avg Equity (ROAE) 2.02 7.16
Dividend Pay-Out n.a. n.a.
Inc Net Of Dist / Avg Equity n.a. n.a.
Non Op Items / Net Income n.a. n.a.
Cost To Income Ratio 68.46 46.34
Recurring Earning Power 0.20 0.55
Liquidity
Interbank Ratio 44.33 49.77
Net Loans / Tot Assets 83.51 84.17
Net Loans / Dep & ST Funding 334.08 341.48
Net Loans / Tot Dep & Bor 89.85 91.03
Liquid Assets / Dep & ST Funding 47.39 47.81
Liquid Assets / Tot Dep & Bor 12.74 12.74
Date News
1 01/10 Nykredit Realkredit reduces its shareholding in Sydbank
2 /2012
26/06 (deal no. 1601407360)
Totalkredit issues shares to Nykredit Realkredit (deal
3 /2012
14/07 no. 1601381583)
Aleris acquires Privathospitalet Hamelt (deal no.
4 /2011
12/04 1601270248)
Scandza acquires Bisca (deal no. 1601262636)
5 /2011
18/03 Sanistål completes conversion of debt (deal no.
6 /2011
08/03 1601249979)
Nykredit Forsikring to be sold to Gjensidige Forsikring
7 /2010
20/08 (deal no. Bank
Nykredit 1601166158)
authorised to increase share capital (deal
8 /2009
14/05 no. 1601106397)
Forstædernes Bank to be merged into Nykredit Bank
9 /2009
09/03 (deal no. ATP
EQT and 1601078936)
acquire KMD (deal no. 1601034176)
10 /2009
03/11 Forstædernes Bank has been delisted (deal no.
11 /2008
30/05 1601022783)
Watts Water Technologies acquires Blücher Metal (deal
12 /2008
12/04 no. 633370)
Nykredit Bank and Nykredit Portefølje Bank to merge
13 /2007
18/09 (deal no. to
Nykredit 530136)
acquire remaining stake in Totalkredit (deal
14 /2006
10/02 no. 204892)
Nykredit on the acquisiton trail (deal no. 422940)
15 /2006
17/09 Nykredit to increase its stake in Totalkredit (deal no.
16 /2004
06/05 204890)
Nykredit decreases stake in Amagerbanken (deal no.
17 /2004
05/05 245540)
SEB decreases stake in Amagerbanken (deal no.
18 /2004
01/04 244615) increases share capital (deal no. 238148)
Totalkredit
19 /2004
23/01 Mykredit has decreased its stake in Sydbank (deal no.
20 /2004
10/11 224821)
Nykredit completes acquisition of Totalkredit (deal no.
/2003 174170)
21 31/10 Nykredit has increased its stake in Spar Nord Bank (deal
22 /2003
24/04 no. 163101)
Nykredit A/S and Spar Nord Bank A/S have announced
23 /2003
17/01 a joint venture agreement.
Nykredit and Jyske Bank may(deal
be no. 163130)
planning to increase
24 /2003
25/11 their
Nykredit has acquired a minority stake in145512)
stakes in Amagerbanken (deal no. Spar Nord
/2002 Bank (deal no. 138819)
Source : Zephyr
Boards & committees

Original job title Body
1. Chairman, Board of Directors BoD
(since 01/05/2000)
Chairman, Remuneration RemC
Board
Chairman, Nomination Board NomC
2. Deputy Chairman, Board of BoD
Directors Remuneration
Member, (since 01/05/2001) RemC
Board
Member, Nomination Board NomC
3. Member of the board; BoD
Deputy Chairman, Board of
Directors (since 01/04/2006)
Chairman, Audit Board AudC

Member, Remuneration RemC
Board
4. Elected by employees BoD
(since 01/03/1999)
5. No specific function BoD
(since 01/04/2004)
(since 24/03/2010)
7. Member, Board of Directors BoD
(since 27/03/2008)
(since 01/05/2000)
9. Member, Board of Directors BoD
(since 01/08/2009)
(since 25/03/2009)
Member, Audit Board AudC
(since 25/03/2009)
(since 01/10/2004)
Member, Audit Board AudC
(since 01/05/1998)
(since 01/05/2000)
15. Member, Executive Board ExeB
(since 15/05/2009)
(since 01/03/2006)
16. ExeB

(since 01/03/1997)
(since 01/06/2005)
(since 01/05/1998)
(since 01/03/2008)
Management & staff

Original job title Dept
1. Group Managing Director; SenMan
General manager
(since 29/06/2009)
2. General manager; Group SenMan

Managing Director
(since 14/03/2006)
3. General manager; Group SenMan

Chief Executive
(since 05/02/1997)
General manager
(since 08/06/2005)

General manager
(since 04/05/1998)
6. Group Managing Director SenMan

DK12719280
10489
Active
+45 33 42 10 00
www.nykredit.com
C2
NKCIFRS
Annual Report
9/18/2012
ALLBANKS
2
2
121
124
Eastern Europe)
manager for more information.

tion/Direction Outlook Watch
Stable
IFRS IFRS
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil DKK mil DKK
1,055,003.0 994,185.0
1,064,757.0 997,310.0
9,754.0 3,125.0
147,946.0 176,662.0
61,081.0 73,077.0
n.a. n.a.
86,796.0 103,515.0
69.0 70.0
1,202,949.0 1,170,847.0
2,101.0 2,048.0
42,135.0 45,232.0
1,247,185.0 1,218,127.0
183,797.0 223,726.0
64,484.0 61,177.0
119,313.0 162,549.0
n.a. n.a.
958,426.0 865,725.0
n.a. n.a.
8,902.0 n.a.
949,524.0 865,725.0
51,094.0 76,237.0
n.a. n.a.
2,627.0 2,062.0
51,241.0 50,377.0
1,247,185.0 1,218,127.0
5,208.0 1,263.0
9,754.0 3,125.0
146,589.0 174,716.0
4,933.0 5,332.0
19,189.0 19,506.0
11,055.0 n.a.
4,317.0 8,979.0
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil DKK mil DKK
11,186.0 7,974.0
2,985.0 -1,999.0
n.a. n.a.
2,186.0 -2,921.0
529.0 108.0
270.0 814.0
6,152.0 5,412.0
7,919.0 1,443.0
n.a. n.a.
100.0 -880.0
-29.0 -185.0
129.0 -695.0
14,312.0 5,852.0
n.a. n.a.
17.80 14.70
16.70 13.50
58,958.0 51,963.0
55,476.0 47,819.0
n.a. n.a.
IFRS IFRS
Restated Original
31/12/2009 31/12/2008
12 months 12 months
mil DKK mil DKK
43,569.0 45,904.0
8,668.0 9,058.0
64.0 108.0
52,301.0 55,070.0
1,920.0 1,854.0
39,195.0 45,242.0
41,115.0 47,096.0
11,186.0 7,974.0
n.a. n.a.
n.a. n.a.
2,186.0 -2,921.0
245.0 342.0
529.0 108.0
166.0 349.0
3,126.0 -2,122.0
2,993.0 2,664.0
3,159.0 2,748.0
6,152.0 5,412.0
-141.0 123.0
8,019.0 563.0
7,919.0 1,443.0
n.a. n.a.
100.0 -880.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
100.0 -880.0
-29.0 -185.0
n.a. n.a.
129.0 -695.0
751.0 -2,847.0
-9.0 n.a.
-15.0 n.a.
-1.0 n.a.
855.0 -3,542.0
n.a. n.a.
129.0 -695.0
n.a. n.a.
n.a. n.a.
981,227.0 895,463.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
83,530.0 101,847.0
9,754.0 3,125.0
1,055,003.0 994,185.0
1,064,757.0 997,310.0
5,208.0 1,263.0
n.a. n.a.
61,081.0 73,077.0
n.a. n.a.
83,680.0 101,316.0
n.a. n.a.
2,941.0 2,118.0
n.a. n.a.
175.0 81.0
n.a. n.a.
86,796.0 103,515.0
17,050.0 8,176.0
n.a. n.a.
69.0 70.0
n.a. n.a.
n.a. n.a.
1,202,949.0 1,170,847.0
1,828.0 323.0
n.a. n.a.
n.a. n.a.
2,101.0 2,048.0
2,769.0 2,769.0
2,164.0 2,563.0
1,327.0 415.0
1,065.0 1,213.0
n.a. n.a.
32,982.0 37,949.0
1,247,185.0 1,218,127.0
43,449.0 28,941.0
n.a. n.a.
21,035.0 32,236.0
64,484.0 61,177.0
119,313.0 162,549.0
n.a. n.a.
n.a. n.a.
183,797.0 223,726.0
934,152.0 856,746.0
4,317.0 8,979.0
n.a. n.a.
938,469.0 865,725.0
n.a. n.a.
8,902.0 n.a.
1,131,168.0 1,089,451.0
n.a. n.a.
n.a. n.a.
2,627.0 2,062.0
1,008.0 72.0
849.0 922.0
14.0 20.0
n.a. n.a.
n.a. n.a.
49,223.0 75,223.0
1,184,889.0 1,167,750.0
11,055.0 n.a.
n.a. n.a.
49,666.0 51,054.0
n.a. n.a.
1,575.0 -674.0
n.a. -3.0
n.a. n.a.
51,241.0 50,377.0
1,247,185.0 1,218,127.0
45,243.0 n.a.
45,243.0 n.a.
4.19 4.97
3.11 4.44
4.42 5.05
3.69 4.71
0.94 0.73
0.28 0.60
0.94 0.73
21.84 -36.26
42.98 92.48
0.50 0.48
15.63 1.07
0.65 0.05
98.75 256.31
0.19 -1.67
0.01 -0.08
-29.00 21.02
2.42 0.16
0.03 -0.25
0.25 -1.32
0.01 -0.06
1.67 -6.72
0.07 -0.31
n.a. n.a.
0.04 -0.20
0.26 -1.00
13.63 n.a.
13.63 n.a.
3.65 3.62
16.70 13.50
17.80 14.70
n.a. n.a.
4.11 4.14
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.25 -1.38
2.39 13.31
6.76 14.67
0.49 0.13
0.92 0.31
187.29 247.43
-8.87 -3.70
0.76 0.16
n.a. n.a.
0.49 0.13
n.s. n.s.
51.19 44.96
5.70 5.62
n.a. n.a.
n.a. n.a.
4,401.0 8,905.0
n.a. n.a.
9,283.0 8,091.0
5,505.0 2,510.0
1,266,374.0 1,237,633.0
331,891.0 354,385.0
n.a. n.a.
331,891.0 354,385.0
1,038,787.4 924,322.3
1,184,106.8 1,090,812.3
1,233,618.6 1,125,589.3
n.a. n.a.
1,114,370.2 1,000,748.0
50,703.8 51,653.7
51,304.0 52,735.3
61,785.4 41,743.0
47,489.0 68,372.0
18,763.0 28,510.0
23,631.0 46,421.0
965,120.0 850,882.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 66,947.0
n.a. 3,332.0
n.a. 2,799.0
n.a. n.a.
56,638.0 n.a.
4,022.0 n.a.
1,742.0 n.a.
2,080.0 n.a.
n.a. 46,172.0
n.a. 12,311.0
n.a. 2,694.0
n.a. n.a.
114,878.0 155,406.0
2,422.0 3,785.0
1,901.0 3,358.0
112.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
4,317.0 8,979.0
n.a. n.a.
129.0 -695.0
n.a. n.a.
129.0 -695.0
51,241.0 50,377.0
n.a. n.a.
n.a. n.a.
51,241.0 50,377.0
51,241.0 50,377.0
0.0 n.a.
0.0 n.a.
2,769.0 2,769.0
2,164.0 2,563.0
1,065.0 1,213.0
0.0 n.a.
0.0 n.a.
45,243.0 n.a.
0.0 n.a.
0.0 n.a.
45,243.0 n.a.
19,389.8 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
43,569.0 45,904.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,920.0 1,854.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 3,703.0
n.a. n.a.
2,941.0 2,118.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 3,703.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
812.0 449.0
8,942.0 2,676.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,208.0 1,263.0
n.a. n.a.
1,182.0 1,182.0
n.a. n.a.
23,294.0 24,649.0
n.a. -695.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
51,241.0 50,377.0
51,241.0 50,377.0
1,575.0 -674.0
n.a. -3.0
n.a. n.a.
5.0 141.0
1,580.0 -536.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
26,760.0 25,778.0
28,340.0 25,242.0
n.a. n.a.
28,340.0 25,242.0
n.a. n.a.
51,241.0 50,377.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,065.0 1,213.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.0 n.a.
0.0 n.a.
55,476.0 47,819.0
58,958.0 51,963.0
16.70 13.50
17.80 14.70
331,891.0 354,385.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 22,475.0
n.a. 4,592.0
n.a. 1,284.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. 916.0
86,796.0 103,515.0
n.a. n.a.
86,796.0 103,515.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
4,135 4,507
n.a. n.a.
16.70 13.50
n.a. n.a.
17.80 14.70
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
12,529.0 17,212.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2009 31/12/2008
0.92 0.31
70.79 18.10
187.29 247.43
0.49 0.13
n.a. n.a.
n.a. n.a.
10.16 2.51
n.a. n.a.
16.70 13.50
17.80 14.70
4.11 4.14
4.86 5.07
27.88 22.52
4.34 4.35
5.34 4.87
6.31 5.97
36.24 26.53
5.64 5.12
6.48 15.13
0.94 0.72
0.91 0.70
0.24 -0.17
1.14 0.60
n.a. n.a.
0.00 0.02
0.01 -0.06
0.25 -1.33
n.a. n.a.
n.a. n.a.
n.a. n.a.
43.41 90.58
0.65 0.05
51.19 44.96
84.59 81.62
574.00 444.38
93.62 92.01
79.76 78.09
13.01 16.17
hareholding in Sydbank
edit Realkredit (deal
amelt (deal no.
1601262636)
debt (deal no.
Gjensidige Forsikring
ease share capital (deal
d into Nykredit Bank
no. 1601034176)
isted (deal no.
es Blücher Metal (deal
efølje Bank to merge
ake in Totalkredit (deal
deal no. 422940)
Totalkredit (deal no.
gerbanken (deal no.
anken (deal no.
al (deal no. 238148)
in Sydbank (deal no.
f Totalkredit (deal no.
in Spar Nord Bank (deal
k A/S have announced
no. 163130)
planning to increase
eal
stake in145512)
no. Spar Nord
ody Source
oD KO, VI
emC VI
omC VI
oD KO, VI
emC VI
omC VI
oD KO, VI
udC VI
emC VI
omC VI
oD KO, VI
oD KO, VI
oD KO, VI
oD VI
oD KO, VI
oD VI
oD KO, VI
udC VI
oD KO, VI
oD KO, VI
udC VI
omC VI
oD KO, VI
oD KO, VI
eB VI
eB VI
eB VI
eB VI
eB VI
eB VI
eB VI
ept Source
nMan KO, VI
nMan KO, VI
nMan KO, VI
nMan KO, VI
nMan KO, VI
nMan VI
IFRS IFRS
Original Original
31/12/2008 31/12/2007
12 months 12 months
mil DKK mil DKK
994,185.0 869,562.0 792,423.

997,310.0 869,747.0 792,647.
3,125.0 185.0 224.
176,662.0 181,307.0 146,482.
73,077.0 82,510.0 57,315.
n.a. n.a. n.a
103,515.0 98,726.0 89,095.
70.0 71.0 72.
1,170,847.0 1,050,869.0 938,905.
2,048.0 1,894.0 1,789.
45,232.0 22,295.0 16,470.
1,218,127.0 1,075,058.0 957,164.
223,726.0 147,456.0 106,677.

61,177.0 31,581.0 22,165.
162,549.0 115,875.0 84,512.
n.a. n.a. n.a
865,725.0 805,335.0 762,029.
n.a. n.a. n.a
n.a. n.a. n.a
865,725.0 805,335.0 762,029.
76,237.0 65,042.0 33,767.
n.a. n.a. n.a
2,062.0 2,778.0 2,704.
50,377.0 54,447.0 51,987.
1,218,127.0 1,075,058.0 957,164.
1,263.0 n.a. n.a

3,125.0 185.0 224.
174,716.0 173,580.0 136,886.
5,332.0 3,999.0 4,001.
19,506.0 13,669.0 10,988.
n.a. n.a. n.a

8,979.0 7,343.0 8,715.
Original Original
31/12/2008 31/12/2007
12 months 12 months
mil DKK mil DKK
7,974.0 6,832.0 5,800.
-1,999.0 1,840.0 2,322.
n.a. n.a. n.a
-2,921.0 921.0 1,516.
108.0 179.0 254.
814.0 740.0 552.
5,412.0 4,352.0 4,038.
1,443.0 -67.0 -369.
n.a. n.a. n.a
-880.0 4,387.0 4,453.
-185.0 1,024.0 1,126.
-695.0 3,363.0 3,327.
5,852.0 8,638.0 8,092.
n.a. 500.0 n.a
14.70 10.30 11.8

13.50 9.70 11.0
51,963.0 54,001.0 n.a
47,819.0 51,643.0 n.a
n.a. n.a. n.a
IFRS IFRS
Original Original
31/12/2008 31/12/2007
12 months 12 months
mil DKK mil DKK
45,904.0 38,568.0 29,166.

9,058.0 5,611.0 4,821.
108.0 191.0 147.
55,070.0 44,370.0 34,134.
1,854.0 5,013.0 2,973.

45,242.0 32,525.0 25,361.
47,096.0 37,538.0 28,334.
7,974.0 6,832.0 5,800.
n.a. n.a. n.a

n.a. n.a. n.a
-2,921.0 921.0 1,516.
342.0 319.0 287.
108.0 179.0 254.
349.0 387.0 235.
-2,122.0 1,806.0 2,292.
2,664.0 2,220.0 2,103.
2,748.0 2,132.0 1,935.
5,412.0 4,352.0 4,038.
123.0 34.0 30.

563.0 4,320.0 4,084.
1,443.0 -67.0 -369.
n.a. n.a. n.a
-880.0 4,387.0 4,453.
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
-880.0 4,387.0 4,453.
-185.0 1,024.0 1,126.
n.a. n.a. n.a
-695.0 3,363.0 3,327.
-2,847.0 -463.0 2,636.

n.a. n.a. n.a
n.a. 8.0 7.
n.a. 45.0 -45,755.
-3,542.0 2,953.0 -39,785.
n.a. n.a. 0.
-695.0 3,363.0 3,327.
n.a. 500.0 n.a
n.a. n.a. n.a
895,463.0 823,228.0 758,132.

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
101,847.0 46,519.0 34,515.
3,125.0 185.0 224.
994,185.0 869,562.0 792,423.
997,310.0 869,747.0 792,647.
1,263.0 n.a. n.a
n.a. n.a. n.a
73,077.0 82,510.0 57,315.

n.a. n.a. n.a
101,316.0 90,935.0 79,371.
n.a. n.a. n.a
2,118.0 7,654.0 9,634.
n.a. n.a. n.a
81.0 137.0 90.
n.a. n.a. n.a
103,515.0 98,726.0 89,095.
8,176.0 11,859.0 17,408.
n.a. n.a. n.a
70.0 71.0 72.
n.a. n.a. n.a
n.a. n.a. n.a
1,170,847.0 1,050,869.0 938,905.
323.0 135.0 200.

n.a. n.a. n.a
n.a. n.a. n.a
2,048.0 1,894.0 1,789.
2,769.0 2,094.0 2,536.
2,563.0 1,905.0 1,465.
415.0 95.0 41.
1,213.0 313.0 232.
n.a. n.a. n.a
37,949.0 17,753.0 11,996.
1,218,127.0 1,075,058.0 957,164.
28,941.0 14,157.0 14,294.

n.a. n.a. n.a
32,236.0 17,424.0 7,871.
61,177.0 31,581.0 22,165.
162,549.0 115,875.0 84,512.
n.a. n.a. n.a
n.a. n.a. n.a
223,726.0 147,456.0 106,677.
856,746.0 797,992.0 753,314.
8,979.0 7,343.0 8,715.
n.a. n.a. n.a
865,725.0 805,335.0 762,029.
n.a. n.a. n.a
n.a. n.a. n.a
1,089,451.0 952,791.0 868,706.
n.a. n.a. n.a

n.a. n.a. n.a
2,062.0 2,778.0 2,704.
72.0 15.0 101.
922.0 797.0 837.
20.0 11.0 15.
n.a. n.a. n.a
n.a. n.a. n.a
75,223.0 64,219.0 32,814.
1,167,750.0 1,020,611.0 905,177.
n.a. n.a. n.a

n.a. n.a. n.a
51,054.0 52,012.0 49,142.

n.a. n.a. n.a
-674.0 2,173.0 2,636.
-3.0 n.a. n.a
n.a. 262.0 209.
50,377.0 54,447.0 51,987.
1,218,127.0 1,075,058.0 957,164.
n.a. n.a. n.a
n.a. n.a. n.a
4.97 4.74 3.8

4.44 19.56 13.7
5.05 4.58 3.8
4.71 4.21 3.4
0.73 0.71 0.6
0.60 0.71 0.7
0.73 0.71 0.6
-36.26 20.91 28.3

92.48 50.38 49.9
0.48 0.44 0.4
1.07 8.09 8.1
0.05 0.44 0.4
256.31 -1.55 -9.0
-1.67 8.22 8.8
-0.08 0.44 0.4
21.02 23.34 25.2
0.16 0.81 n.a
-0.25 0.82 n.a
-1.32 6.30 6.6

-0.06 0.34 0.3
-6.72 5.53 -79.2
-0.31 0.30 -4.4
n.a. n.a. n.a
-0.20 0.63 n.a
-1.00 0.55 n.a
n.a. n.a. n.a
n.a. n.a. n.a
3.62 4.68 5.0
13.50 9.70 11.0
14.70 10.30 11.8
n.a. n.a. n.a
4.14 5.06 5.4
n.a. 14.87 n.a
n.a. 16.93 n.a
n.a. n.a. n.a
-1.38 5.26 6.4
13.31 12.32 7.5

14.67 9.73 8.9
0.13 n.a. n.a
0.31 0.02 0.0
247.43 n.a. n.a
-3.70 n.a. n.a
0.16 -0.01 -0.0
n.a. n.a. n.a
0.13 n.a. n.a
n.s. n.s. n.s

44.96 71.21 67.8
5.62 3.31 2.5
n.a. n.a. n.a

n.a. n.a. n.a
8,905.0 4,242.0 2,987.
n.a. n.a. n.a
8,091.0 8,014.0 6,286.
2,510.0 1,413.0 1,715.
1,237,633.0 1,088,727.0 968,152.
354,385.0 532,402.1 n.a
n.a. n.a. n.a
354,385.0 532,402.1 n.a
924,322.3 814,204.7 760,109.

1,090,812.3 967,911.0 882,980.
1,125,589.3 989,976.3 900,750.
n.a. n.a. n.a
1,000,748.0 891,715.0 821,953.
51,653.7 50,699.3 13,172.
52,735.3 53,381.7 50,225.
41,743.0 25,627.3 21,574.
68,372.0 23,424.0 n.a

28,510.0 22,276.0 n.a
46,421.0 34,384.0 n.a
850,882.0 789,478.0 n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
66,947.0 82,047.0 n.a

3,332.0 279.0 n.a
2,799.0 185.0 n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
46,172.0 29,262.0 n.a

12,311.0 1,445.0 n.a
2,694.0 874.0 n.a
n.a. n.a. n.a
155,406.0 111,337.0 n.a

3,785.0 3,009.0 n.a
3,358.0 1,529.0 n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
8,979.0 7,343.0 8,715.
n.a. n.a. n.a
-695.0 3,363.0 3,327.

n.a. n.a. n.a
-695.0 n.a. n.a
50,377.0 54,447.0 51,987.

n.a. n.a. n.a
n.a. n.a. n.a
50,377.0 n.a. n.a
50,377.0 54,447.0 51,987.

n.a. n.a. n.a
n.a. n.a. n.a
2,769.0 2,094.0 2,536.
2,563.0 1,905.0 1,465.
1,213.0 313.0 232.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
45,904.0 38,568.0 29,166.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
1,854.0 5,013.0 2,973.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
3,703.0 7,654.0 9,634.
n.a. n.a. n.a
2,118.0 7,654.0 9,634.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
3,703.0 7,654.0 9,634.
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
449.0 50.0 n.a

2,676.0 135.0 n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

1,263.0 n.a. n.a
n.a. n.a. n.a
1,182.0 1,182.0 1,182.

n.a. n.a. n.a
24,649.0 50,830.0 47,960.
-695.0 n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
50,377.0 54,447.0 51,987.
50,377.0 52,012.0 49,142.
-674.0 2,173.0 2,636.
-3.0 n.a. n.a
n.a. n.a. n.a
141.0 n.a. n.a
-536.0 2,173.0 2,636.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
25,778.0 n.a. n.a
25,242.0 2,173.0 2,636.
n.a. n.a. n.a
25,242.0 2,173.0 2,636.
n.a. n.a. n.a
50,377.0 54,447.0 51,987.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. 500.0 n.a
n.a. 500.0 n.a
n.a. n.a. n.a
1,213.0 313.0 232.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

47,819.0 51,643.0 n.a
51,963.0 54,001.0 n.a
13.50 9.70 11.0
14.70 10.30 11.8
354,385.0 532,402.1 n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
22,475.0 n.a. n.a
4,592.0 n.a. n.a
1,284.0 n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
916.0 1,679.0 n.a
103,515.0 98,726.0 89,095.
n.a. n.a. n.a
103,515.0 98,726.0 89,095.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
4,507 3,672 3,55

n.a. n.a. n.a
13.50 9.70 11.0
n.a. n.a. n.a
14.70 10.30 11.8
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
17,212.0 12,160.0 22,326.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
IFRS IFRS
31/12/2008 31/12/2007
0.31 0.02 0.0

18.10 -0.98 -6.3
247.43 n.a. n.a
0.13 n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
2.51 n.a. n.a
n.a. n.a. n.a
13.50 9.70 11.0

14.70 10.30 11.8
4.14 5.07 5.4
5.07 6.26 6.5
22.52 36.92 48.7
4.35 5.37 5.8
4.87 5.75 6.3
5.97 7.11 7.6
26.53 41.90 56.9
5.12 6.10 6.7
15.13 11.88 14.3
0.72 0.69 0.6
0.70 0.67 0.6
-0.17 0.18 0.2
0.60 0.42 0.4
n.a. n.a. n.a
0.02 -0.10 -0.1
-0.06 0.33 0.3
-1.33 6.32 6.6
n.a. 14.87 n.a
n.a. 5.38 n.a
n.a. n.a. n.a
90.58 50.19 49.7
0.05 0.43 0.4
44.96 71.21 67.8

81.62 80.89 82.7
444.38 589.71 742.8
92.01 91.97 92.1
78.09 117.72 128.3
16.17 18.36 15.9
IFRS IFRS IFRS
Unqualified Audited Audited
31/12/2006 31/12/2005 01/01/2005
792,423.0 727,582.0 657,158.0

792,647.0 727,582.0 657,158.0
224.0 n.a. n.a.
146,482.0 147,748.0 127,143.0
57,315.0 67,559.0 52,778.0
n.a. n.a. n.a.
89,095.0 79,943.0 74,081.0
72.0 246.0 284.0
938,905.0 875,330.0 784,301.0
1,789.0 1,513.0 1,496.0
16,470.0 13,171.0 12,286.0
957,164.0 890,014.0 798,083.0
106,677.0 77,130.0 62,771.0

22,165.0 21,808.0 18,702.0
84,512.0 55,322.0 44,069.0
n.a. n.a. n.a.
762,029.0 737,974.0 665,621.0
n.a. n.a. n.a.
n.a. n.a. n.a.
762,029.0 737,974.0 665,621.0
33,767.0 25,481.0 25,258.0
n.a. n.a. n.a.
2,704.0 737.0 198.0
51,987.0 48,692.0 44,235.0
957,164.0 890,014.0 798,083.0
n.a. n.a. n.a.

224.0 n.a. n.a.
136,886.0 139,245.0 120,431.0
4,001.0 3,680.0 3,541.0
10,988.0 8,340.0 6,872.0
n.a. n.a. n.a.

8,715.0 10,044.0 6,444.0

31/12/2006 31/12/2005 01/01/2005
5,800.0 6,323.0 5,530.0
2,322.0 2,025.0 1,665.0
n.a. n.a. n.a.
1,516.0 n.a. n.a.
254.0 699.0 241.0
552.0 1,326.0 1,424.0
4,038.0 4,696.0 4,520.0
-369.0 -245.0 -400.0
n.a. 444.0 1,175.0
4,453.0 4,341.0 4,250.0
1,126.0 1,161.0 1,057.0
3,327.0 3,180.0 3,193.0
8,092.0 8,348.0 7,195.0
n.a. n.a. n.a.
11.80 12.40 11.50

11.00 11.30 11.00
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2006 31/12/2005 01/01/2005
29,166.0 29,748.0 29,256.0

4,821.0 5,159.0 4,525.0
147.0 335.0 158.0
34,134.0 35,242.0 33,939.0
2,973.0 1,078.0 994.0

25,361.0 27,841.0 27,415.0
28,334.0 28,919.0 28,409.0
5,800.0 6,323.0 5,530.0
n.a. n.a. n.a.

n.a. n.a. n.a.
1,516.0 n.a. n.a.
287.0 n.a. n.a.
254.0 699.0 241.0
235.0 1,326.0 1,424.0
2,292.0 2,025.0 1,665.0
2,103.0 1,817.0 1,724.0
1,935.0 2,879.0 2,796.0
4,038.0 4,696.0 4,520.0
30.0 n.a. n.a.

4,084.0 3,652.0 2,675.0
-369.0 -245.0 -400.0
n.a. n.a. n.a.
4,453.0 3,897.0 3,075.0
n.a. n.a. n.a.

n.a. 444.0 1,175.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
4,453.0 4,341.0 4,250.0
1,126.0 1,161.0 1,057.0
n.a. n.a. n.a.
3,327.0 3,180.0 3,193.0
2,636.0 n.a. n.a.

n.a. n.a. n.a.
7.0 n.a. n.a.
-45,755.0 4,442.0 41,515.0
-39,785.0 7,622.0 44,708.0
0.0 n.a. n.a.
3,327.0 3,180.0 3,193.0
n.a. n.a. n.a.
n.a. n.a. n.a.
758,132.0 n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
34,515.0 727,582.0 657,158.0
224.0 n.a. n.a.
792,423.0 727,582.0 657,158.0
792,647.0 727,582.0 657,158.0
n.a. n.a. n.a.
n.a. n.a. n.a.
57,315.0 67,559.0 52,778.0

n.a. n.a. n.a.
79,371.0 71,639.0 67,622.0
n.a. n.a. n.a.
9,634.0 8,149.0 6,335.0
n.a. n.a. n.a.
90.0 155.0 124.0
n.a. n.a. n.a.
89,095.0 79,943.0 74,081.0
17,408.0 n.a. n.a.
n.a. n.a. n.a.
72.0 246.0 284.0
n.a. n.a. n.a.
n.a. 0.0 0.0
938,905.0 875,330.0 784,301.0
200.0 47.0 31.0

n.a. n.a. n.a.
n.a. n.a. n.a.
1,789.0 1,513.0 1,496.0
2,536.0 0.0 0.0
1,465.0 3,680.0 3,541.0
41.0 213.0 223.0
232.0 171.0 120.0
n.a. n.a. n.a.
11,996.0 9,060.0 8,371.0
957,164.0 890,014.0 798,083.0
14,294.0 21,808.0 18,702.0

n.a. n.a. n.a.
7,871.0 n.a. n.a.
22,165.0 21,808.0 18,702.0
84,512.0 55,322.0 44,069.0
n.a. n.a. n.a.
n.a. n.a. n.a.
106,677.0 77,130.0 62,771.0
753,314.0 727,930.0 659,177.0
8,715.0 10,044.0 6,444.0
n.a. n.a. n.a.
762,029.0 737,974.0 665,621.0
n.a. n.a. n.a.
n.a. n.a. n.a.
868,706.0 815,104.0 728,392.0
n.a. n.a. n.a.

n.a. n.a. n.a.
2,704.0 737.0 198.0
101.0 8.0 2.0
837.0 1,008.0 960.0
15.0 9.0 16.0
n.a. n.a. n.a.
n.a. n.a. n.a.
32,814.0 24,456.0 24,280.0
905,177.0 841,322.0 753,848.0
n.a. n.a. n.a.

n.a. n.a. n.a.
49,142.0 1,182.0 1,182.0

n.a. 1,553.0 1,538.0
2,636.0 n.a. n.a.
n.a. n.a. n.a.
209.0 45,957.0 41,515.0
51,987.0 48,692.0 44,235.0
957,164.0 890,014.0 798,083.0
n.a. n.a. n.a.
n.a. n.a. n.a.
3.84 4.24 n.a.

13.78 5.19 n.a.
3.87 4.24 n.a.
3.45 3.73 n.a.
0.66 0.76 n.a.
0.70 0.79 n.a.
0.66 0.76 n.a.
28.32 24.26 23.14

49.90 56.25 62.82
0.45 0.55 n.a.
8.13 7.78 n.a.
0.45 0.43 n.a.
-9.04 -6.71 -14.95
8.87 8.30 n.a.
0.49 0.46 n.a.
25.29 26.74 24.87
n.a. n.a. n.a.
n.a. n.a. n.a.
6.62 6.78 n.a.

0.37 0.37 n.a.
-79.21 16.24 n.a.
-4.42 0.90 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
5.01 5.06 5.11
11.00 11.30 11.00
11.80 12.40 11.50
n.a. n.a. n.a.
5.43 5.47 5.54
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
6.40 6.53 7.20
7.54 11.52 n.a.

8.94 10.72 n.a.
n.a. n.a. n.a.
0.03 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
-0.05 -0.03 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.s. n.s. n.s.

67.82 122.12 119.76
2.55 2.68 2.57
n.a. n.a. n.a.

n.a. n.a. n.a.
2,987.0 4,263.0 3,429.0
n.a. n.a. n.a.
6,286.0 n.a. n.a.
1,715.0 4,077.0 3,443.0
968,152.0 898,354.0 804,955.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
760,109.3 701,779.0 n.a.

882,980.8 832,122.5 n.a.
900,750.3 848,971.3 n.a.
n.a. n.a. n.a.
821,953.0 775,801.3 n.a.
13,172.0 1,806.0 n.a.
50,225.8 46,927.8 n.a.
21,574.0 20,774.3 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
8,715.0 10,044.0 6,444.0
n.a. n.a. n.a.
3,327.0 3,180.0 3,193.0

n.a. n.a. n.a.
n.a. n.a. n.a.
51,987.0 48,692.0 44,235.0

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
51,987.0 48,692.0 44,235.0

n.a. n.a. n.a.
n.a. n.a. n.a.
2,536.0 0.0 0.0
1,465.0 3,680.0 3,541.0
232.0 171.0 120.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
29,166.0 29,748.0 29,256.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,973.0 1,078.0 994.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 71,639.0 67,622.0
n.a. 71,639.0 67,622.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
9,634.0 n.a. n.a.
n.a. 8,149.0 6,335.0
9,634.0 8,149.0 6,335.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
9,634.0 79,788.0 73,957.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
1,182.0 1,182.0 1,182.0

n.a. n.a. n.a.
47,960.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 1,553.0 1,538.0
51,987.0 47,139.0 42,697.0
49,142.0 1,182.0 1,182.0
2,636.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 45,957.0 41,515.0
2,636.0 45,957.0 41,515.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,636.0 45,957.0 41,515.0
n.a. n.a. n.a.
2,636.0 45,957.0 41,515.0
n.a. n.a. n.a.
51,987.0 48,692.0 44,235.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
232.0 171.0 120.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
11.00 11.30 11.00
11.80 12.40 11.50
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
89,095.0 79,943.0 74,081.0
n.a. n.a. n.a.
89,095.0 79,943.0 74,081.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,559 3,287 3,234

n.a. n.a. n.a.
11.00 11.30 11.00
n.a. n.a. n.a.
11.80 12.40 11.50
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
22,326.0 19,867.0 12,350.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2006 31/12/2005 01/01/2005
0.03 n.a. n.a.

-6.36 -3.88 -7.23
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
11.00 11.30 11.00

11.80 12.40 11.50
5.43 5.47 5.54
6.56 6.69 6.73
48.73 63.13 70.47
5.80 5.86 5.92
6.34 6.60 6.35
7.66 8.07 7.71
56.90 76.15 80.74
6.77 7.07 6.78
14.36 17.10 12.72
0.64 0.76 0.71
0.63 0.75 0.69
0.25 0.24 0.21
0.40 0.53 0.52
n.a. 0.46 0.39
-0.12 -0.09 0.02
0.36 0.38 0.40
6.61 6.84 7.22
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 13.96 36.80
49.72 56.25 62.82
0.44 0.43 0.34
67.82 122.12 119.76

82.79 81.75 82.34
742.83 943.32 n.s.
92.14 90.38 91.03
128.32 180.53 191.86
15.92 17.30 16.68
Banco Santander SA
28660 MADRID
SPAIN
Publicly quoted
Contact details
Av. de Cantabria s/n-Boadilla del Monte

Ciudad Santander
28660 MADRID
SPAIN
Formerly known as
Bank History :
Established on April 17, 1999 as the result of the merger between Banco Santander SA (Old) and Banco Central Hispanoamericano
Status
Name of the Auditor
Latest total assets

Latest net income
Market cap. (30/10/2012)
Specialisation
Peer Group
Peer Group Name

Size
Country ratings (SPAIN, as at 03/11/2012)
EIU
Global summary
BALANCE SHEET
Assets
Loans
Gross Loans
Derivatives
Other Securities
Fixed Assets
Non-Earning Assets
Total Assets

Deposits from Banks
Derivatives
Trading Liabilities
Long term funding
Loan Loss Reserves
Other Reserves
Equity
Notes
Intangibles (Memo)

INCOME STATEMENT

Overheads
Other
Profit before Tax
Tax
Net Income
Dividend Paid
Total Capital Ratio

Tier 1 Ratio
Total Capital
Tier 1 Capital
Net-Charge Offs
Income Statement

Dividend Income

Net Interest Income

Personnel Expenses

Operating Profit

Pre-tax Profit
Tax expense
Net Income

Balance Sheet
Assets
Loans
Other Loans
Net Loans
Gross Loans
Derivatives
Other Securities
Total Securities
Insurance Assets
Non-earning Assets
Fixed Assets
Goodwill
Other Intangibles
Current Tax Assets
Deferred Tax Assets
Other Assets
Total Assets
Deposits from Banks
Other Funding
Derivatives
Trading Liabilities
Total Funding
Other Liabilities
Total Liabilities
Hybrid Capital
Equity
Common Equity
Total Equity
Summary Analytics
Interest Ratios
Capitalization
Loan Quality
Funding
Reference Data
Guarantees
Average Loans
Average Assets
Average Equity
Maturities

Interbank > 5 Years



Interbank > 5 Years

Covered Bonds
Net Income
Equity
Published Equity

Goodwill
Other intangibles
Fitch Core Capital
Goodwill write-off
Securities
AFS Assets - Banks
AFS Assets - Other
Total AFS Assets
HTM - Government
HTM Assets - Banks
Asset Quality Data

Net Charge-offs
Gross Charge-offs
Recoveries
Net Charge-offs
Reserves
Normal Loans
Substandard Loans
Doubtful Loans
Loss Loans
+90 Days past due

Nonaccrual Loans
Restructured Loans
Capital
Eligible Capital
Legal Reserves
Retained Earnings
Treasury Shares
Other Common Equity
Total Common Equity
Other OCI Reserves
Total OCI Reserves
Share Repurchase
Embedded Value
Regulatory Capital
Total Securities
Pledged Securities
Number of Employees
Number of Branches
Leverage Ratio%
Total Trust Assets
Government
Related Party Loans
Trust Account Loans
Lease financing
Ratios
Assets Quality
Capital
Tier 1 Ratio
Total Capital Ratio
Equity / Tot Assets
Equity / Net Loans
Operations
Net Interest Margin
Dividend Pay-Out
Liquidity
Interbank Ratio
General information

Current market capitalisation (th EUR):
Type of share:
ISIN number:
SEDOL number:
Ticker symbol:
Nominal value (EUR):

Stock index information:
Market price - Year (EUR)

Market price - May
Market price - June
Market price - July

Price trends (%)

BETA
Reference index 1: IBEX 35

Reference index 2: IGBM (INDICE GENERAL DE LA BOLSA DE MADRID)

Reference index 3:
Reference index 4:
Reference index 5:

Date
1 30/10/2012
2 19/10/2012
3 19/10/2012
4 03/10/2012
5 30/09/2012
6 26/09/2012
7 17/09/2012
8 11/09/2012
9 10/09/2012
10 04/09/2012
11 16/08/2012
12 15/08/2012
13 10/08/2012
14 08/08/2012
15 08/08/2012
16 03/08/2012
17 20/07/2012
18 19/07/2012
19 10/07/2012
20 22/06/2012
21 22/06/2012
22 04/06/2012
23 31/05/2012
24 24/05/2012
25 27/04/2012
26 16/04/2012
27 13/04/2012
28 30/03/2012
29 27/03/2012
30 20/03/2012
31 20/03/2012
32 15/03/2012
33 06/03/2012
34 06/03/2012
35 01/03/2012
36 28/02/2012
37 17/02/2012
38 09/02/2012
39 01/02/2012
40 27/01/2012
41 26/01/2012
42 10/01/2012
43 09/01/2012
44 09/01/2012
45 30/12/2011
46 27/12/2011
47 22/12/2011
48 19/12/2011
49 19/12/2011
50 16/12/2011
Source : Zephyr
Boards & committees

= also shareholder
1.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
14.
15.
16.
17.
18.
Management & staff

= also shareholder
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
BvD ID number
Index number
Status
Phone number
Fax number
Web Site Address
Banco Santander Central H
nco Central Hispanoamericano - BCH. On August 23, 2007 Banco Santander Central Hispano SA changed its name to Banco Santander SA.
Active Consolidation Code
International Financial Reporting Nickname
Standards (IFRS) Source
mil EUR Release Date
Deloitte Model
Cons., Uncons., Add. Cons. &
Add. Uncons.
1,251,526 mil EUR Ranking (Country), 2011

6,139 mil EUR Ranking (Country), rollin
58,261.5 mil EUR
World rank, 2011
267 World rank, rolling
962
Commercial Banks
Commercial Banks Europe

1,148

Ra Date
tin
BB 01/10/2012
g
BB 01/10/2012

IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
731,662.0
750,598.0
18,936.0
345,154.0
70,164.0
114,420.0
158,170.0
2,400.0
1,076,816.0
13,846.0
160,864.0
1,251,526.0
807,513.0
563,692.0
211,979.0
31,842.0
309,112.0
110,403.0
10,187.0
188,522.0
36,470.0
n.a.
15,572.0
82,859.0
1,251,526.0
31,287.0
18,936.0
227,250.0
28,083.0
48,042.0
5,896.0
17,096.0
Unqualified
Original
31/12/2011
12 months
mil EUR
31,215.0
14,290.0
2,113.0
21.0
10,472.0
1,684.0
21,317.0
11,040.0
-5,209.0
7,939.0
1,776.0
6,139.0
45,297.0
3,630.0
13.56
10.91
76,772.0
61,749.0
10,630.0
IFRS
Unqualified
Original
31/12/2011
12 months
mil EUR
46,909.0
13,947.0
394.0
61,250.0
16,819.0
13,216.0
30,035.0
31,215.0
2,113.0
182.0
21.0
392.0
10,472.0
902.0
14,082.0
10,326.0
10,991.0
21,317.0
208.0
24,188.0
11,040.0
3,429.0
9,719.0
n.a.
1,846.0
1,517.0
n.a.
-2,109.0
7,939.0
1,776.0
-24.0
6,139.0
272.0
n.a.
-2,419.0
75.0
4,067.0
788.0
5,351.0
3,630.0
n.a.
n.a.
n.a.
429,477.0
n.a.
321,121.0
18,936.0
731,662.0
750,598.0
31,287.0
n.a.
41,079.0
29,085.0
60,562.0
114,420.0
86,613.0
n.a.
4,155.0
6,840.0
301,675.0
99,756.0
n.a.
n.a.
2,400.0
n.a.
1,076,816.0
96,524.0
n.a.
5,338.0
13,846.0
25,089.0
2,994.0
5,140.0
17,761.0
n.a.
8,018.0
1,251,526.0
155,455.0
143,762.0
264,475.0
563,692.0
91,822.0
120,157.0
31,842.0
807,513.0
165,530.0
17,096.0
0.0
182,626.0
110,403.0
10,187.0
1,110,729.0
n.a.
n.a.
15,572.0
5,101.0
3,073.0
n.a.
42.0
517.0
27,737.0
1,162,771.0
5,896.0
8,708.0
72,188.0
6,445.0
-977.0
-1,358.0
-2,147.0
74,151.0
1,251,526.0
38,532.0
50,188.0
6.34
2.95
5.74
2.77
2.93
1.89
2.93
31.09
47.06
1.73
33.77
1.96
59.82
13.57
0.79
22.37
4.27
1.72
8.57
0.50
5.68
0.33
n.a.
1.08
0.72
6.81
8.87
3.31
10.91
13.56
9.92
5.92
59.13
89.25
n.a.
3.38
2.79
1.75
4.17
2.52
60.52
16.66
1.49
1.44
4.84
133.16
44.74
56.35
n.a.
n.a.
44,510.0
2,978.0
n.a.
554.0
1,299,568.0
565,958.0
n.a.
565,958.0
739,967.3
1,066,782.1
1,231,994.8
n.a.
1,083,981.1
69,856.1
71,619.7
570,055.9
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
17,096.0
n.a.
6,139.0
n.a.
6,139.0
74,151.0
8,708.0
n.a.
82,859.0
74,151.0
0.0
0.0
25,089.0
2,994.0
5,754.0
1,782.0
0.0
38,532.0
11,656.0
0.0
50,188.0
16,513.7
n.a.
n.a.
n.a.
n.a.
46,909.0
n.a.
n.a.
n.a.
n.a.
n.a.
16,819.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
86,613.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
12,430.0
1,800.0
10,630.0
3,593.0
15,343.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,455.0
n.a.
n.a.
3,781.0
n.a.
n.a.
6,445.0
67,706.0
74,151.0
-977.0
-1,358.0
n.a.
-1,945.0
-4,280.0
-202.0
n.a.
n.a.
72,660.0
68,178.0
n.a.
68,178.0
8,708.0
82,859.0
n.a.
n.a.
n.a.
n.a.
1,570.0
3,630.0
n.a.
5,754.0
n.a.
n.a.
n.a.
n.a.
5,896.0
n.a.
8,708.0
11,656.0
11,656.0
61,749.0
76,772.0
10.91
13.56
565,958.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
301,675.0
n.a.
301,675.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
193,349
n.a.
10.91
9.92
13.56
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Unqualified
31/12/2011
2.52
35.37
60.52
4.17
1.43
61.88
37.76
14.91
10.91
13.56
6.62
11.33
10.26
7.23
8.46
14.47
13.11
9.24
16.15
2.92
2.53
1.16
2.62
1.07
-0.57
0.50
7.50
59.13
3.06
-84.85
46.85
1.96
33.10
58.46
90.61
66.90
28.14
20.78
he Stock split/Dividend ratio.
12): 10,099,072,253
): 58,261,548
2)
Ordinary Shares
ES0113900J37
5705946
SAN
0.50
Bolsa de Madrid
Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Hannover
Boerse Munchen
Boerse Stuttgart
Bolsa de Comercio de Buen
Bolsa Mexicana de Valores
Borsa Italiana - MTA (Merc
Euronext Amsterdam
Euronext Lisbon
US Exchange
XETRA
FTSE EUROTOP 100 - NETH
IBEX 35 - SPAIN
PSI - GENERAL - PORTUGA
2012 200
5.95 6.1
6.23 4.8
5.77 5.0
4.72 7.1
4.30 7.3
5.22 8.3
4.95 9.9
5.67 10.5
5.80 10.7
n.a. 10.7
n.a. 11.1
n.a. 11.3
BOLSA DE MADRID)
Date News
30/10/2012 Telefónica successfully completes flotation of Telefónica Germany (deal no.
19/10/2012 Santander and Elavon to form joint venture (deal no. 1601413001)
19/10/2012 CEMEX Latam releases IPO details (deal no. 1601396742)
03/10/2012 ‘Telefónica’s Germany division eyes listing’ (deal no. 1601390898)
30/09/2012 Banco Popular plans to launch rights issue within next few weeks (deal no.
26/09/2012 Banco Santander in Mexico completes IPO: underwriters exercise purchase
17/09/2012 Banco Santander merges Altamira Santander Real Estate with Mesena Serv
no. 1601404003)
11/09/2012 Sagane Inversiones sells Enagás stake through accelerated bookbuilt offer (
10/09/2012 Swissport International completes acquisition of Flightcare (deal no. 160132
04/09/2012 Banco Santander to acquire majirity stake in Taralga Wind Farm from CBD E
16/08/2012 Banco Santander ‘eyes up to USD 4bn from Mexican unit IPO’ (deal no. 160
15/08/2012 InfraRed acquires 3 ground-mounted solar parks (deal no. 1601395339)
10/08/2012 Manchester United lists on NYSE (deal no. 1601277887)
08/08/2012 Banco Santander issues new shares in capital increase (deal no. 160139364
08/08/2012 SMU to hold capital increase (deal no. 1601395051)
03/08/2012 Botín family increase stake in Banco Santander (deal no. 1601392717)
20/07/2012 Vesta lists on Mexico Stock Exchange (deal no. 1601384232)
19/07/2012 Taesa closes public offering (deal no. 1601383811)
10/07/2012 Banco Santander completes capital increase (deal no. 1601386109)
22/06/2012 Banco Santander sells minority stake in Santander Colombia to Corp Group
22/06/2012 CorpBanca acquires majority of Santander Colombia from Banco Santander
04/06/2012 UBP to acquire Santander's Swiss asset management arm (deal no. 160137
31/05/2012 Telefónica plans to sell German division (deal no. 1601374463)
24/05/2012 Banco Santander may sell stake in Banco Santander Brasil: Santander denie
27/04/2012 Enagás to acquire stake in GNL Quintero from BG Group: Half of stake acqu
16/04/2012 Vision Capital acquires Vitopel (deal no. 1601361453)
13/04/2012 Santander Rio withdraws plans of listing on US market (deal no. 160126015
30/03/2012 Banco Santander to carry out capital increase: Number of shares to be issue
27/03/2012 1601412492)
PSA Peugeot announces full subscription of its rights issue (deal no. 160134
20/03/2012 CVC ‘plans Formula One IPO’ (deal no. 1601353794)
20/03/2012 Formula One no immediate plans to list (deal no. 1601353794)
15/03/2012 Isolux Infrastructure withdraws IPO (deal no. 1601294781)
06/03/2012 Peugeot reveals EUR 1bn rights issue details (deal no. 1601347339)
06/03/2012 Lindorff acquires Reintegra Comercial Espãna (deal no. 1601374922)
01/03/2012 Société Air France sells minority stake in Amadeus IT Holding to qualified in
28/02/2012 Banco Santander signed an investment agreement to acquire Zagiel (deal n
17/02/2012 Charles Saunders acquires Good Morning Foods and Good Morning Disposab
09/02/2012 Brasil Travel Turismo e Participações plans IPO: Initial Public Offering withd
01/02/2012 Unicredit completes rights issue (deal no. 1601292194)
27/01/2012 Banco Santander reduces its stake in Ferrovial (deal no. 1601337701)
26/01/2012 Ortiz Construcciones y Proyectos receives funding for its two wind parks in A
10/01/2012 Banco Santander may sell its stake in Banesto (deal no. 1601333347)
09/01/2012 Banco Santander may sell more of its non-core assets (deal no. 160133145
09/01/2012 Banco Santander sells minority stake in Banco Santander (Brasil) (deal no.
30/12/2011 Banco Santander increases capital for preference share buyback (deal no. 1
27/12/2011 Spanish Government authorises CESCE privatisation process: Mapfre favour
22/12/2011 1601328164)
JM McGill acquires Knollbeck Pharmacy (deal no. 1601327394)
19/12/2011 CPFL Comercialização Brasil acquires Jantus (deal no. 1601261467)
19/12/2011 BPM completes rights issue (deal no. 1601270267)
16/12/2011 Fomento de Construcciones y Contratas (deal no. 1601325972)

Mr. Emilio Botín-Sanz de Sautuola y García de los Ríos Chairman of the Board,
Executive Director
P081319212
Chairman of the Executive
Committee
Chairman of the
Mrs. Ana Patricia Botín-Sanz de Sautuola y O'Shea International
Executive ViceCommittee;
President of
P081319213 Santander Uk, Executive
Director (since 2011)
Committee
Member of the Technology
Mr. Fernando de Asúa Álvarez Productivity and Quality
First Vice Chairman of the
P002180168 Board, Non-Executive
Independent Director
(since 07/2004)
Committee
Productivity
Chairman of and
the Quality
Committee;
Appointments Member of the
Vice-Chairmanandof the Risk
Audit and Compliance
Remuneration Committee
Mr. Juan Rodríguez Inciarte Committee
Executive
CommitteeVice President of
P046040903 Strategy and Asia,
Executive Director
(since 2011)
Member of the Risk
Mr. Matías Rodríguez Inciarte Committee
Executive Vice President of
P002179562 Risk,Third Vice Chairman o
the Board, Executive
Committee
Chairman of the Risk
Mr. Alfredo Sáenz Abad Committee
Chief Executive Officer,
P002179564 Second Vice Chairman,
Executive Director

Committee
Mr. Manuel Soto Serrano Productivity
Fourth and Quality
Vice Chairman of th
Committee; Member of the
Board, Non-Executive
P002180204
International Committee
Independent Director
(since 2002)
Chairman of the Audit and
Compliance
Member Committee
of the
Appointments
Member of theand
Technology
Remuneration
Productivity andCommittee
Quality
Mr. Francisco Javier Botin Non-Executive Director
(since 25/07/2004)
P113578586
Risk Committee
Mr. Javier Botín-Sanz de Sautuola y O'Shea Proprietary Independent
P043566651 Non-Executive Member of
the Board of Directors
Lord Terence Burns Non-Executive Director
P002180162 (since 20/12/2004)
Mr. Vittorio Corbo Lioi Non-Executive Director
P014140390 (since 11/07/2011)
Mr. Guillermo de la Dehesa Romero Independent Non-Executiv
P128485767 Member of the Board of
Directors
(since 24/06/2002)
Committee
Member of the
Appointments
Member of theandInternationa
Committee
Mr. Rodrigo Echenique Gordillo Non-Executive Independen
P002180171 Director (since 07/10/1994
Committee
Member of the Internationa
Committee;
Member of theMember of the
Audit and Compliance
Appointments and
Mrs. Esther Giménez-Salinas i Colomer Independent Non-Executiv
Committee
Remuneration
Member of the Committee
Board of
Directors
(since 30/03/2012)
P043285376
Mr. Ángel Jado Becerro de Bengoa Independent Non-Executive
Directors
Dr h.c. Abel Matutes Juan Independent Non-Executiv
Directors
(since 24/06/2002)
Member of the Internationa
Mrs. Isabel Tocino Biscarolasaga Committee;
IndependentMember of the
Non-Executiv
Directors
(since 26/03/2007)
Member of the
Appointments
Member of theand
Risk
Remuneration
Committee Committee
Mr. Ignacio Benjumea Cabeza de Vaca Executive Vice President,
P002180149 General Secretary, Non-
Member Secretary of the
Secretary of the Executive
Committee
Secretary to the Audit and
Compliance
Secretary ofCommittee;
the
Appointments
Secretary of theand
Risk
Remuneration
Committee Committee

Mr. Emilio Botín-Sanz de Sautuola y García de los Ríos Chairman of the Board,
P081319212 Executive Director
(since 16/08/2001)
Mr. Nuno Manuel da Silva Amado Co-Chief Executive Officer
P002180166 of Santander Totta
Mr. Alfredo Sáenz Abad Chief Executive Officer,
P002179564 Second Vice Chairman,
Executive Director
Mr. Antonio Vieira Monteiro Co-Chief Executive Officer

P103310702 of Santander Totta
Mr. José Antonio Álvarez Álvarez Executive Vice President of
P055603433 Financial Management and
Investor Relations
(since 2004)
Mrs. Ana Patricia Botín-Sanz de Sautuola y O'Shea Executive Vice President of
P081319213 Santander Uk, Executive
Mr. Juan Manuel Cendoya Méndez de Vigo Executive Vice President of
P002180164 Communication, Corporate
Marketing and Research
(since 07/2001)
Mr. José María Espí Martínez Executive Vice President of
P014143636 Risk (since 1999)
Mr. José María Fuster van Bendegem Executive Vice President of
P002179546 Technology and Operations
(since 2007)
Mr. Enrique García Candelas Executive Vice President of
P002180176 Retail Banking Network In
Spain (since 01/1999)
Mr. José Antonio García Cantera Senior Executive Vice

P002179547 President of Global
Wholesale Banking Division
(since 21/05/2012)
Mr. José Luis Gómez Alciturri Executive Vice President of
P002667066 Human Resources
(since 2007)
Mr. Juan Guitard Marín Executive Vice President of
P014143632 Internal Auditing
(since 15/03/2009)
Mr. Jorge Maortua Ruiz-López Executive Vice President of
P014143638 Global Wholesale Banking
(since 2004)
Mr. Javier Marín Romano Executive Vice President of

P014143639 Global Private Banking and
Asset and Insurance
Management
Mr. Jorge Morán Sánchez Executive Vice President of
P002180190 the United States
(since 2011)
Mr. José María Nus Badía Executive Vice President of
P002179555 Santander Uk
Mr. Javier Peralta de las Heras Executive Vice President of
P002180195 Risk (since 2002)
Mr. Marcial Portela Álvarez Executive Vice President of
P002179487 Brazil (since 1999)
Mr. Juan Rodríguez Inciarte Executive Vice President of
P046040903 Strategy and Asia,
Executive Director
(since 2011)
Mr. Matías Rodríguez Inciarte Executive Vice President of
P002179562 Risk,Third Vice Chairman o
the Board, Executive
Mrs. Magda Salarich Fernández de Valderrama Executive Vice President of
P082648518 Santander Consumer
Finance (since 2008)
Mr. José Manuel Tejón Borrajo Executive Vice President of
P002180205 Financial Accounting and
Control (since 2002)
Mr. Ramón Tellaeche Bosch Deputy Executive Vice

P042190082 President, Head of Paymen
Means Division
Mr. José Antonio Villasante Cerro Deputy Executive Vice

P042215175 President, Head of
Santander Universidades
Mr. Juan Andrés Yanes Luciani Executive Vice President of
P002660421 the United States
Mr. Jesús María Zabalza Lotina Executive Vice President of
P014140160 America (since 2002)
Mr. Ignacio Benjumea Cabeza de Vaca Executive Vice President,
P002180149 General Secretary, Non-
Member Secretary of the
Mr. César Ortega Gómez Executive Vice President,
P002219853 General Secretary
(since 2006)
vD ID number ESA39000013
dex number 47560
atus Active
hone number +34 (91) 558 18 60

ax number +34 (91) 558 17 13
eb Site Address www.gruposantander.es
nco Santander Central Hispano
anco Santander SA.

onsolidation Code C2
ckname BSCHI
ource Annual Report
elease Date 10/26/2012
odel ALLBANKS
anking (Country), 2011 1

anking (Country), rolling 1
orld rank, 2011 15

orld rank, rolling 16
ommercial Banks Europe (Excl. Eastern Europe)

148
ate Action/Direction Outlook
/10/2012
/10/2012 Stable
IFRS IFRS
Original Original
31/12/2010 31/12/2009
12 months 12 months
mil EUR mil EUR
717,987.9 668,593.0
737,684.9 686,466.0
19,697.0 17,873.0
346,077.7 339,832.5
86,021.4 93,794.6
82,760.0 69,110.1
174,530.0 174,154.8
2,766.3 2,773.0
1,064,065.6 1,008,425.5
11,141.6 8,995.7
142,293.5 93,108.3
1,217,500.7 1,110,529.5
774,965.1 671,337.6
570,723.5 468,282.7
177,235.0 174,342.0
27,006.6 28,712.9
299,895.8 296,650.6
82,723.1 64,710.1
12,302.9 5,442.3
204,869.8 226,498.2
46,065.4 51,138.0
n.a. n.a.
15,659.9 17,532.7
80,914.5 73,870.6
1,217,500.7 1,110,529.5
27,908.0 24,049.0
19,697.0 17,873.0
243,400.0 201,095.0
28,064.3 25,643.5
n.a. n.a.
7,352.0 7,745.0
23,122.6 29,060.0
Original Original
31/12/2010 31/12/2009
12 months 12 months
mil EUR mil EUR
29,586.5 26,735.0
13,563.1 13,421.0
1,311.8 2,098.3
70.0 198.0
9,734.1 9,080.2
2,447.2 2,044.5
19,296.2 17,194.0
10,266.9 11,088.0
-1,534.6 -1,286.2
12,051.9 10,587.8
2,923.2 1,206.6
9,101.8 9,412.1
42,997.1 40,016.1
1,270.0 2,297.0
13.10 14.20
9.86 9.97
79,276.0 79,704.0
58,606.0 55,394.0
9,711.7 8,879.9
IFRS IFRS
Original Original
31/12/2010 31/12/2009
12 months 12 months
mil EUR mil EUR
41,854.1 42,081.9
11,052.7 11,091.1
362.1 436.5
53,268.9 53,609.5
13,445.6 11,810.7
10,236.8 15,063.8
23,682.4 26,874.5
29,586.5 26,735.0
1,311.8 2,098.3
1,223.7 1,127.9
70.0 198.0
377.9 338.9
9,734.1 9,080.2
693.1 437.8
13,410.6 13,281.1
9,329.6 8,450.0
9,966.6 8,744.0
19,296.2 17,194.0
152.5 139.9
23,853.4 22,962.0
10,266.9 11,088.0
1,308.8 2,282.5
12,277.7 9,591.5
0.0 0.0
350.3 1,565.0
576.1 1,390.1
0.0 n.a.
0.0 821.4
12,051.9 10,587.8
2,923.2 1,206.6
-26.9 30.9
9,101.8 9,412.1
-1,894.2 -1,314.0
n.a. n.a.
4,913.2 -8,148.2
-2,168.9 440.3
9,951.9 390.2
921.0 516.0
8,180.8 8,896.1
1,270.0 2,297.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
395,622.0 379,297.0
n.a. n.a.
342,062.9 307,169.0
19,697.0 17,873.0
717,987.9 668,593.0
737,684.9 686,466.0
27,908.0 24,049.0
n.a. n.a.
43,134.8 50,346.7
42,886.6 43,447.9
79,593.3 72,411.0
82,760.0 69,110.1
86,234.8 86,620.5
0.0 0.0
272.9 164.0
8,429.0 14,959.3
300,176.6 286,712.8
99,265.4 82,319.4
n.a. n.a.
n.a. n.a.
2,766.3 2,773.0
n.a. n.a.
1,064,065.6 1,008,425.5
77,785.3 34,889.4
n.a. n.a.
6,285.0 5,789.2
11,141.6 8,995.7
24,622.3 22,865.1
3,442.0 2,778.4
5,483.7 4,827.6
17,088.7 15,827.3
0.0 n.a.
7,586.5 6,131.3
1,217,500.7 1,110,529.5
148,066.3 135,895.0
140,124.7 131,510.9
282,532.5 200,876.8
570,723.5 468,282.7
53,386.1 78,830.5
123,848.9 95,511.5
27,006.6 28,712.9
774,965.1 671,337.6
165,868.7 183,250.2
23,122.6 29,060.0
8,526.5 6,443.0
197,517.8 218,753.2
82,723.1 64,710.1
12,302.9 5,442.3
1,067,508.9 960,243.2
0.0 0.0
n.a. n.a.
15,659.9 17,532.7
4,306.2 3,337.4
4,312.1 3,666.5
0.0 n.a.
n.a. 293.5
10,449.3 16,916.4
26,997.8 26,924.2
1,129,234.2 1,028,913.9
7,352.0 7,745.0
8,668.0 7,000.0
68,665.5 64,831.7
5,896.1 5,204.1
-1,248.9 645.3
1,061.4 -3,851.8
-2,127.6 41.3
72,246.5 66,870.6
1,217,500.7 1,110,529.5
36,853.0 35,302.1
49,153.5 42,674.6
5.80 6.16
2.50 2.68
5.08 5.35
2.29 2.81
2.82 2.67
1.84 1.56
2.82 2.67
31.19 33.19
44.88 42.97
1.63 1.56
34.34 37.75
2.01 2.09
48.53 58.23
17.67 15.77
1.04 0.87
24.26 11.40
3.94 4.09
2.03 1.71
13.10 15.47
0.77 0.85
14.33 0.64
0.84 0.04
n.a. n.a.
1.50 1.68
1.65 0.07
6.09 6.29
8.13 7.60
3.26 3.43
9.86 9.97
13.10 14.20
8.63 8.50
5.93 6.02
13.95 24.40
12.76 588.67
n.a. n.a.
10.84 10.64
9.63 5.80
7.46 8.25
3.78 3.50
2.67 2.60
70.58 74.32
11.37 9.24
1.42 1.62
1.35 1.30
4.60 4.31
129.25 146.59
80.80 63.87
57.95 52.29
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,217,500.7 1,110,529.5
604,885.0 561,684.0
n.a. n.a.
604,885.0 561,684.0
721,536.4 683,507.7
1,049,499.1 1,001,925.1
1,185,225.5 1,101,271.1
n.a. n.a.
1,032,894.4 955,960.4
65,637.8 62,400.6
69,469.0 60,833.5
538,667.7 441,489.8
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
23,122.6 29,060.0
n.a. n.a.
9,101.8 9,412.1
n.a. n.a.
9,101.8 9,412.1
72,246.5 66,870.6
8,668.0 7,000.0
0.0 0.0
80,914.5 73,870.6
72,246.5 66,870.6
0.0 0.0
0.0 0.0
24,622.3 22,865.1
3,442.0 2,778.4
5,547.0 4,203.0
1,782.2 1,722.0
0.0 0.0
36,853.0 35,302.1
12,300.5 7,372.5
0.0 0.0
49,153.5 42,674.6
15,794.1 15,129.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
41,854.1 42,081.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
13,445.6 11,810.7
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
86,234.8 86,620.5
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.0 0.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
10,913.0 9,794.6
1,201.3 914.7
9,711.7 8,879.9
5,112.9 6,245.2
14,584.1 11,627.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
4,165.0 n.a.
n.a. n.a.
n.a. n.a.
6,911.0 n.a.
n.a. n.a.
n.a. n.a.
5,896.1 5,204.1
66,350.4 61,666.5
72,246.5 66,870.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
-2,315.0 n.a.
-2,315.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
66,257.0 n.a.
63,942.0 n.a.
n.a. n.a.
63,942.0 n.a.
8,668.0 7,000.0
80,914.5 73,870.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,270.0 2,297.0
1,270.0 2,297.0
n.a. n.a.
5,547.0 4,203.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
7,265.0 14,745.0
n.a. n.a.
8,668.0 n.a.
12,300.5 7,372.5
12,300.5 7,372.5
58,606.0 55,394.0
79,276.0 79,704.0
9.86 9.97
13.10 14.20
604,885.0 561,684.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
300,176.6 286,712.8
n.a. n.a.
300,176.6 286,712.8
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
178,869 169,460
14,082 13,660
9.86 9.97
8.63 8.50
13.10 14.20
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2010 31/12/2009
2.67 2.60
34.70 41.47
70.58 74.32
3.78 3.50
1.36 1.35
50.14 43.32
34.49 32.56
10.15 8.36
9.86 9.97
13.10 14.20
6.65 6.65
11.27 11.05
10.44 11.00
7.32 7.39
9.15 9.97
15.51 16.55
14.37 16.49
10.07 11.07
20.76 26.26
2.86 2.74
2.54 2.48
1.17 1.24
2.54 2.62
1.17 1.10
-0.38 -0.23
0.78 0.87
11.76 14.06
13.95 24.41
10.12 10.63
-16.86 -13.67
44.72 42.82
2.05 2.13
48.54 53.80
58.97 60.21
92.65 99.59
68.75 71.80
31.41 29.95
23.31 21.60
,099,072,253
,261,548
dinary Shares
S0113900J37
05946
AN
50
olsa de Madrid
oerse Berlin
oerse Duesseldorf
oerse Frankfurt
oerse Hamburg
oerse Hannover
oerse Munchen
oerse Stuttgart
olsa de Comercio de Buenos Aires
olsa Mexicana de Valores
orsa Italiana - MTA (Mercato Telematico Azionario)
udapest Stock Exchange
ronext Amsterdam
ronext Lisbon
ndon Stock Exchange
S Exchange
ETRA
SE EUROTOP 100 - NETHERLANDS
EX 35 - SPAIN
I - GENERAL - PORTUGAL
2009 2008 2007
6.19 11.59 14.30

4.80 11.69 13.74
5.09 12.37 13.09
7.12 13.57 12.93
7.34 13.12 13.99
8.39 11.44 13.42
9.96 12.23 13.64
10.53 11.41 13.13
10.78 10.29 13.36
10.78 8.20 14.70
11.18 6.30 14.35
11.32 6.62 14.49
10/30/2012
5.77
6.65
3.98
10/30/2012
0.86
-4.80
15.61
-0.45
10.99
-3.37
-0.88
1.19
1.18
1.27
0.94
0.89
0.94
1.22
1.20
1.28
0.95
0.90
0.94
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.42
0.45
0.33
0.32
0.31
ónica Germany (deal no. 1601374463)

o. 1601413001)
96742)
o. 1601390898)
ext few weeks (deal no. 1601407254)
riters exercise purchase option (deal no. 1601363766)
Estate with Mesena Servicios de Gestión Inmobiliaria (deal
elerated bookbuilt offer (deal no. 1601401597)
ghtcare (deal no. 1601325972)
ga Wind Farm from CBD Energy (deal no. 1633101435)
n unit IPO’ (deal no. 1601363766)
deal no. 1601395339)
7887)
ase (deal no. 1601393642)
)
al no. 1601392717)
01384232)
no. 1601386109)
Colombia to Corp Group Interhold (deal no. 1601322877)
a from Banco Santander (deal no. 1601322834)
nt arm (deal no. 1601376953)
601374463)
er Brasil: Santander denies sale (deal no. 1601373226)
Group: Half of stake acquired (deal no. 1601346221)
53)
rket (deal no. 1601260154)
mber of shares to be issued in transaction set (deal no.
ts issue (deal no. 1601347339)
4)
601353794)
294781)
no. 1601347339)
no. 1601374922)
IT Holding to qualified investors (deal no. 1601311055)
to acquire Zagiel (deal no. 1601346904)
d Good Morning Disposables (deal no. 1601346592)
tial Public Offering withdrawn (deal no. 1601314931)
194)
al no. 1601337701)
or its two wind parks in Almeria (deal no. 1601337225)
al no. 1601333347)
ets (deal no. 1601331454)
tander (Brasil) (deal no. 1601332359)
hare buyback (deal no. 1601328387)
n process: Mapfre favourite to acquire CESCE (deal no.
601327394)
no. 1601261467)
1601325972)
riginal job title Body Source

hairman of the Board, BoD RE, WW
ecutive Director
BoD RE, WW
hairman of the Executive ExeB WW

ommittee
hairman of the OthBC WW
ternational
ecutive ViceCommittee;
President of BoD RE
ntander Uk, Executive
rector (since 2011)
ember of the Executive ExeB WW
ommittee
ember of the Technology, OthBC VI, WW
oductivity and Quality
st Vice Chairman of the BoD RE, WW
oard, Non-Executive
dependent Director
nce 07/2004)
ommittee
ember of the Technology, AudC, OthBC WW
oductivity
hairman of and
the Quality RemC, NomC WW
ommittee; Member
ppointments of the
ce-Chairmanand of the Risk WW
udit and Compliance
emuneration Committee
ommittee
ecutive Vice President of BoD RE
ommittee
rategy and Asia,
ecutive Director
nce 2011)
ember of the Risk WW
ommittee
ecutive Vice President of BoD RE, VI, WW
sk,Third Vice Chairman of
e Board, Executive
rector (since 2011)
ommittee
hairman of the Risk WW
ommittee
hief Executive Officer, BoD RE, WW
cond Vice Chairman,
ecutive Director

ommittee
ember of the Technology, OthBC WW
urth Vice Chairman of the BoD RE, WW
ommittee;
oard, Member of the
Non-Executive
ternational Committee
dependent Director
nce 2002)
hairman of the Audit and AudC, OthBC WW
ompliance
ember of theCommittee RemC, NomC WW
ppointments
ember of theand
Technology, OthBC WW
on-Executive Director BoD RE
ommittee; Member of the
nce 25/07/2004)
sk Committee
oprietary Independent BoD WW
on-Executive Member of
e Board of Directors
on-Executive Director BoD RE, WW
nce 20/12/2004)
on-Executive Director BoD RE, WW
nce 11/07/2011)
dependent Non-Executive BoD RE, WW
ember of the Board of
rectors
nce 24/06/2002)
ommittee
ember of the RemC, NomC WW
ppointments
ember of theandInternational OthBC WW
ommittee
on-Executive Independent BoD RE
rector (since 07/10/1994)
ommittee
ember of the International AudC, OthBC WW
ommittee; Member of the
udit and Compliance
ppointments and
ommittee
emuneration
ember of the Committee
Board of
rectors
nce 30/03/2012)
BoD RE, WW

rectors
rectors
nce 24/06/2002)
ember of the International AudC, OthBC WW
ommittee;
dependentMember of the
Non-Executive BoD RE, WW
rectors
nce 26/03/2007)
ppointments
ember of theand Risk OthBC WW
emuneration
ommittee Committee
ecutive Vice President, BoD RE, WW
eneral Secretary, Non-
ember Secretary of the
cretary of the Executive ExeB WW
ommittee
cretary to the Audit and AudC, OthBC WW
ompliance
cretary ofCommittee;
the RemC, NomC WW
ppointments and
cretary of the Risk WW
emuneration
ommittee Committee
riginal job title Dept Source

hairman of the Board, SenMan RE, WW
ecutive Director
nce 16/08/2001)
o-Chief Executive Officer SenMan RE
Santander Totta
hief Executive Officer, SenMan RE, WW
cond Vice Chairman,
ecutive Director
o-Chief Executive Officer SenMan RE

Santander Totta
ecutive Vice President of SenMan, FinAcc RE
nancial Management and
vestor Relations
nce 2004)
ecutive Vice President of SenMan RE
ntander Uk, Executive
rector (since 2011)
ecutive Vice President of SenMan, MarkAdv, R&D RE
ommunication, Corporate
arketing and Research
nce 07/2001)
sk (since 1999)
ecutive Vice President of SenMan, R&D, Oper RE
chnology and Operations
nce 2007)
ecutive Vice President of SenMan, Sales RE
etail Banking Network In
pain (since 01/1999)
nior Executive Vice SenMan, Sales RE

esident of Global
holesale Banking Division
nce 21/05/2012)
ecutive Vice President of SenMan, HR RE
uman Resources
nce 2007)
ternal Auditing
nce 15/03/2009)
SenMan RE
ecutive Vice President of SenMan, Sales RE

obal Wholesale Banking
nce 2004)

obal Private Banking and
set and Insurance
anagement
e United States
nce 2011)
ntander Uk
sk (since 2002)
azil (since 1999)
rategy and Asia,
ecutive Director
nce 2011)
ecutive Vice President of SenMan RE, VI, WW
sk,Third Vice Chairman of
e Board, Executive
rector (since 2011)
ntander Consumer
nance (since 2008)
nancial Accounting and
ontrol (since 2002)
eputy Executive Vice SenMan RE

esident, Head of Payment
eans Division
eputy Executive Vice SenMan RE

esident, Head of
ntander Universidades
e United States
merica (since 2002)
ecutive Vice President, SenMan RE, WW
eneral Secretary, Non-
ember Secretary of the
ecutive Vice President, SenMan RE
eneral Secretary
nce 2006)
Watch
IFRS
Audited
Original
31/12/2008
12 months
mil EUR
621,660.4
634,126.4
12,466.0
324,840.2
84,020.3
107,916.1
125,996.8
6,907.0
946,500.6
8,501.6
94,629.4
1,049,631.6
592,219.2
378,749.5
88,226.0
125,243.7
331,764.6
95,565.1
3,035.2
233,164.3
47,910.0
n.a.
17,736.3
60,001.5
1,049,631.6
13,994.0
12,466.0
187,902.0
20,623.3
197,048.2
8,673.0
30,200.3
Audited
Original
31/12/2008
12 months
mil EUR
18,724.6
13,530.4
1,199.5
607.3
8,450.5
3,273.1
13,878.0
5,964.4
-1,182.9
11,229.7
1,884.2
9,332.4
31,340.0
2,693.0
13.30
8.75
62,844.0
45,108.0
3,837.9
IFRS
Audited
Original
31/12/2008
12 months
mil EUR
47,057.2
9,150.5
552.8
56,760.5
19,207.4
18,828.5
38,035.9
18,724.6
1,199.5
1,058.9
607.3
251.6
8,450.5
1,047.6
12,615.4
6,963.9
6,914.1
13,878.0
915.0
18,377.0
5,964.4
381.0
12,031.6
n.a.
4,777.9
5,579.8
n.a.
n.a.
11,229.7
1,884.2
-13.1
9,332.4
-1,313.9
n.a.
-8,148.2
440.3
310.6
456.0
8,876.4
2,693.0
n.a.
n.a.
n.a.
347,201.0
n.a.
286,925.4
12,466.0
621,660.4
634,126.4
13,994.0
n.a.
60,223.6
23,796.7
58,100.4
107,916.1
48,920.3
n.a.
1,323.5
17,652.6
257,709.6
43,631.6
n.a.
n.a.
2,905.4
4,001.6
946,500.6
45,781.3
n.a.
5,265.9
8,501.6
18,836.2
1,787.1
2,309.4
14,644.2
n.a.
6,005.3
1,049,631.6
94,773.2
118,709.6
165,266.7
378,749.5
88,226.0
n.a.
125,243.7
592,219.2
194,291.0
30,200.3
n.a.
224,491.3
95,565.1
3,035.2
915,310.8
n.a.
n.a.
17,736.3
2,304.6
3,464.1
n.a.
49.7
16,849.5
25,242.1
980,957.1
8,673.0
7,000.0
58,886.6
2,414.6
79.3
-9,424.9
1,045.9
53,001.5
1,049,631.6
28,497.2
36,333.7
7.98
5.73
6.68
4.64
2.20
1.50
2.20
40.25
44.28
1.46
36.94
1.93
34.53
24.18
1.27
16.78
3.58
2.34
18.76
0.98
0.62
0.03
n.a.
1.82
0.06
5.54
7.07
2.94
8.75
13.30
7.21
5.05
28.86
867.03
n.a.
12.53
14.98
10.45
2.21
1.97
89.08
2.88
1.01
0.65
3.01
167.43
68.26
46.20
n.a.
n.a.
65,323.2
n.a.
123,329.0
8,396.0
1,246,679.8
514,013.0
n.a.
514,013.0
589,790.5
849,944.1
950,887.5
n.a.
819,819.3
50,421.5
49,750.1
335,115.2
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
30,200.3
n.a.
9,332.4
n.a.
9,332.4
53,001.5
7,000.0
0.0
60,001.5
53,001.5
0.0
0.0
18,836.2
1,787.1
2,181.0
1,700.0
0.0
28,497.2
7,836.5
0.0
36,333.7
12,213.0
n.a.
n.a.
n.a.
n.a.
47,057.2
n.a.
n.a.
n.a.
n.a.
n.a.
19,207.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
145,444.0
n.a.
n.a.
n.a.
n.a.
6,272.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
151,716.0
42,548.0
n.a.
n.a.
n.a.
n.a.
6,373.0
n.a.
48,920.3
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
12,645.0
n.a.
n.a.
3,837.9
5,784.0
6,682.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
32,100.8
n.a.
27,207.0
n.a.
n.a.
421.2
2,414.6
50,586.9
53,001.5
79.3
-9,424.9
n.a.
1,355.8
-7,989.8
-309.9
n.a.
n.a.
n.a.
-8,299.7
n.a.
-8,299.7
7,000.0
60,001.5
n.a.
n.a.
n.a.
n.a.
2,693.0
2,693.0
n.a.
2,181.0
n.a.
n.a.
n.a.
n.a.
15,673.0
n.a.
n.a.
7,836.5
7,836.5
45,108.0
62,844.0
8.75
13.30
514,013.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,567.0
257,709.6
n.a.
257,709.6
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
170,961
13,390
8.75
7.21
13.30
n.a.
n.a.
n.a.
n.a.
n.a.
45,781.0
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2008
1.97
31.85
89.08
2.21
0.64
25.09
23.32
2.55
8.75
13.30
5.72
9.65
10.13
6.31
9.42
15.91
16.70
10.40
30.54
2.12
1.91
1.38
2.02
1.27
-0.31
0.95
15.88
28.86
11.30
-12.68
43.03
1.87
95.23
59.23
104.97
70.24
31.73
21.23
2006
11.60
12.01
11.81
12.04
11.04
11.19
11.62
11.87
12.22
13.29
13.44
13.86
IFRS IFRS
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
565,458.0 523,345.9 435,828.

574,153.2 531,509.3 443,438.
8,695.2 8,163.4 7,609.
251,330.1 243,048.0 303,898.
45,280.8 60,374.5 57,344.
50,077.1 37,713.0 31,755.
129,462.6 133,932.2 166,796.
26,509.6 11,028.3 48,002.
816,788.1 766,393.9 739,727.
9,459.0 10,111.0 9,993.
86,667.9 57,367.8 59,386.
912,915.0 833,872.7 809,106.
501,329.7 479,666.4 479,661.

293,252.7 284,206.5 270,962.
76,280.1 67,618.2 57,223.
131,796.9 127,841.7 151,475.
295,132.2 253,457.6 202,593.
52,421.1 42,232.0 31,538.
21,065.9 19,058.5 26,322.
221,645.2 192,167.1 144,732.
42,324.2 34,449.9 64,402.
n.a. n.a. n.a
16,570.8 19,226.5 19,823.
57,558.1 47,072.3 42,626.
912,915.0 833,872.7 809,106.
6,070.0 4,613.0 4,356.

8,695.2 8,163.4 7,609.
155,245.8 164,437.4 163,250.
24,026.9 16,956.8 16,229.
190,993.0 161,454.8 144,716.
7,784.0 7,369.0 8,081.

28,408.8 23,722.1 21,990.
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
15,295.1 12,479.8 10,659.
12,277.9 10,119.2 8,748.
2,321.6 1,875.5 1,374.
n.a. n.a. n.a
8,040.2 7,024.2 6,061.
1,916.1 1,219.5 1,312.
12,755.9 11,558.2 10,723.
3,496.1 2,483.9 1,747.
-145.7 438.6 727.
11,175.3 8,995.5 7,663.
2,335.7 2,254.6 1,241.
9,636.2 8,245.8 6,752.
26,978.0 22,053.2 18,632.
1,538.0 1,337.0 1,744.
12.66 12.49 12.9

7.71 7.42 7.8
65,225.0 59,776.0 53,426.
39,725.0 35,539.0 32,532.
2,695.9 1,818.3 1,269.
IFRS IFRS
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
38,717.7 29,478.3 24,200.

7,085.7 7,354.5 8,888.
413.2 404.0 335.
46,216.6 37,236.8 33,424.
16,268.9 14,681.1 12,975.

14,652.6 10,075.9 9,789.
30,921.5 24,757.0 22,764.
15,295.1 12,479.8 10,659.
2,321.6 1,875.5 1,374.

n.a. 0.0 0.
n.a. n.a. n.a
319.4 253.1 201.
8,040.2 7,024.2 6,061.
1,001.7 420.6 335.
11,682.9 9,573.4 7,973.
6,551.2 5,967.9 5,611.
6,204.7 5,590.3 5,111.
12,755.9 11,558.2 10,723.
595.0 545.8 775.

14,817.1 11,040.8 8,684.
3,496.1 2,483.9 1,747.
n.a. n.a. 0.
11,321.0 8,556.9 6,936.
n.a. n.a. n.a

566.1 1,444.0 2,311.
1,526.5 12.8 0.
n.a. n.a. n.a
814.7 -992.6 -1,584.
11,175.3 8,995.5 7,663.
2,335.7 2,254.6 1,241.
796.6 1,504.9 330.
9,636.2 8,245.8 6,752.
-832.7 341.6 6.
n.a. n.a. n.a
-1,165.4 -526.8 1,222.
-150.7 -24.4 57.
7,487.4 8,036.2 8,039.
520.0 n.a. n.a
9,116.2 8,245.8 6,752.
1,538.0 1,337.0 1,744.
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
316,129.0 302,451.0 248,615.
159,344.2 144,545.0 108,511.
98,680.0 84,513.3 86,312.
8,695.2 8,163.4 7,609.
565,458.0 523,345.9 435,828.
574,153.2 531,509.3 443,438.
6,070.0 4,613.0 4,356.
n.a. 38,555.5 32,911.
45,280.8 60,374.5 57,344.

n.a. n.a. n.a
78,902.2 90,227.7 89,819.
50,077.1 37,713.0 31,755.
41,196.9 38,698.4 73,944.
n.a. n.a. n.a
7,695.2 5,006.1 3,031.
1,668.3 n.a. n.a
179,539.7 171,645.2 198,551.
27,175.9 25,411.3 52,068.
n.a. n.a. n.a
n.a. n.a. n.a
16,717.5 10,079.0 47,495.
9,792.1 949.3 507.
816,788.1 766,393.9 739,727.
31,062.8 13,835.2 16,086.

n.a. n.a. n.a
364.3 n.a. n.a
9,459.0 10,111.0 9,993.
21,824.6 14,512.7 14,018.
2,202.3 2,444.1 2,211.
1,845.3 699.7 1,217.
10,852.8 9,156.3 8,909.
n.a. n.a. n.a
18,515.8 16,719.8 16,943.
912,915.0 833,872.7 809,106.
87,136.7 89,150.9 80,631.

94,321.2 95,742.8 92,219.
111,794.8 99,312.8 98,111.
293,252.7 284,206.5 270,962.
76,280.1 67,618.2 57,223.
n.a. n.a. n.a
131,796.9 127,841.7 151,475.
501,329.7 479,666.4 479,661.
185,452.4 161,076.0 114,659.
28,408.8 23,722.1 21,990.
n.a. n.a. n.a
213,861.2 184,798.1 136,650.
52,421.1 42,232.0 31,538.
21,065.9 19,058.5 26,322.
788,677.9 725,755.0 674,173.
n.a. n.a. n.a

n.a. n.a. n.a
16,570.8 19,226.5 19,823.
2,412.1 761.5 1,100.
3,744.2 3,777.5 2,767.
n.a. n.a. n.a
63.4 n.a. 8.
13,033.6 10,704.3 44,672.
23,070.9 19,206.6 15,854.
847,572.9 779,431.4 758,398.
7,784.0 7,369.0 8,081.

7,000.0 n.a. n.a
47,477.7 41,980.8 36,676.

2,358.3 2,220.7 2,848.
1,393.2 2,283.3 1,941.
-1,276.7 n.a. n.a
605.6 587.5 1,159.
50,558.1 47,072.3 42,626.
912,915.0 833,872.7 809,106.
n.a. n.a. n.a
n.a. n.a. n.a
7.02 5.92 6.0

5.25 5.13 4.7
5.87 4.92 5.0
4.15 3.53 3.8
1.94 1.65 1.6
1.50 1.32 1.3
1.94 1.65 1.6
43.31 43.41 42.7

47.28 52.41 57.5
1.47 1.40 1.4
30.82 24.47 22.0
1.70 1.34 1.2
23.60 22.50 20.1
23.55 18.96 17.5
1.30 1.04 0.9
20.90 25.06 16.2
2.88 2.31 2.1
2.20 1.79 1.6
20.05 18.27 17.1

1.11 1.00 0.9
15.58 17.81 20.3
0.86 0.98 1.1
n.a. n.a. n.a
1.87 1.72 1.6
1.45 1.68 1.9
n.a. n.a. n.a
n.a. n.a. n.a
2.75 3.40 3.0
7.71 7.42 7.8
12.66 12.49 12.9
n.a. n.a. n.a
5.54 5.65 5.2
15.96 16.21 25.8
20.54 16.64 21.7
n.a. n.a. n.a
16.02 14.68 11.7
9.48 3.06 21.7

8.02 19.86 17.8
1.06 0.87 0.9
1.51 1.54 1.7
143.25 176.97 174.7
-5.19 -7.54 -7.6
0.63 0.50 0.4
0.49 0.37 0.3
1.12 0.87 0.9
195.79 187.02 163.6

59.36 89.29 100.2
39.83 41.58 42.1
n.a. n.a. n.a

n.a. n.a. n.a
76,316.5 58,205.4 48,199.
n.a. n.a. n.a
102,215.9 91,690.4 77,678.
12,460.6 11,559.0 18,838.
1,103,908.0 995,327.5 953,823.
515,050.0 478,733.0 412,734.
n.a. n.a. n.a
515,050.0 478,733.0 412,734.
551,516.4 497,725.3 402,303.

787,934.0 756,302.1 657,930.
869,157.7 823,737.1 725,620.
n.a. n.a. n.a
745,337.5 700,870.4 595,494.
43,870.1 39,762.4 26,936.
48,070.4 45,121.6 39,468.
309,637.1 286,289.2 274,315.
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. 32,200.0 33,904.

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
28,408.8 23,722.1 21,990.
n.a. n.a. n.a
9,636.2 8,245.8 6,752.

n.a. n.a. n.a
n.a. n.a. n.a
50,558.1 47,072.3 42,626.

7,000.0 n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
50,558.1 47,072.3 42,626.

n.a. n.a. n.a
n.a. n.a. n.a
21,824.6 14,512.7 14,018.
2,202.3 2,444.1 2,211.
2,107.7 2,427.0 2,361.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
14,784.0 7,191.7 7,287.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
38,717.7 29,478.3 24,200.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
16,268.9 14,681.1 12,975.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
65,989.8 76,737.0 81,741.

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
9,646.9 13,490.7 8,077.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. 30,583.0 26,480.
n.a. n.a. n.a
75,636.7 120,810.7 116,299.
13,263.3 14,899.2 9,016.
18,013.8 17,828.3 59,037.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
9,919.8 5,970.9 5,890.
n.a. n.a. n.a
41,196.9 38,698.4 73,944.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
18,013.8 17,828.3 59,037.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
19,566.7 19,461.6 13,968.
n.a. n.a. n.a

n.a. n.a. n.a
2,695.9 1,818.3 1,269.
6,027.0 5,097.9 4,235.

2,668.0 3,065.5 3,374.
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a

n.a. n.a. n.a
n.a. n.a. n.a
23,497.1 23,497.1 23,497.

n.a. n.a. n.a
23,980.8 18,610.7 13,179.
n.a. n.a. n.a
n.a. n.a. n.a
0.2 127.0 n.a
2,358.3 2,220.7 2,848.
48,199.8 44,851.6 39,778.
50,558.1 47,072.3 42,626.
1,393.2 2,225.9 1,941.
-638.2 538.2 1,065.
n.a. n.a. n.a
-1.8 57.4 n.a
753.2 2,821.5 3,006.
-31.1 49.3 70.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
722.1 2,870.8 3,077.
n.a. n.a. n.a
722.1 2,870.8 3,077.
7,000.0 n.a. n.a
57,558.1 47,072.3 42,626.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
1,538.0 1,337.0 1,744.
1,538.0 1,337.0 1,744.
n.a. n.a. n.a
2,107.7 2,427.0 2,361.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
14,784.0 7,191.7 7,287.
14,784.0 7,191.7 7,287.
14,784.0 7,191.7 7,287.

39,725.0 35,539.0 32,532.
65,225.0 59,776.0 53,426.
7.71 7.42 7.8
12.66 12.49 12.9
515,050.0 478,733.0 412,734.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
179,539.7 171,645.2 198,551.
n.a. n.a. n.a
179,539.7 171,645.2 198,551.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
131,819 129,749 125,36

11,178 10,852 10,20
7.71 7.42 7.8
n.a. n.a. n.a
12.66 12.49 12.9
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
31,062.8 13,835.1 16,086.
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
n.a. n.a. n.a
IFRS IFRS
31/12/2007 31/12/2006
1.51 1.54 1.7

22.86 19.90 16.4
143.25 176.97 174.7
1.06 0.87 0.9
0.49 0.37 0.3
20.53 16.95 14.9
10.55 9.80 10.2
n.a. n.a. n.a
7.71 7.42 7.8

12.66 12.49 12.9
6.31 5.65 5.2
10.18 8.99 9.7
11.48 9.81 8.8
7.03 6.23 5.7
10.27 9.37 8.9
16.58 14.94 16.6
18.70 16.30 15.1
11.45 10.34 9.8
30.30 30.35 30.2
1.93 1.66 1.5
1.75 1.52 1.4
1.41 1.23 1.1
1.86 1.71 1.6
1.30 1.04 0.9
-0.28 -0.22 -0.0
1.10 1.00 0.9
18.42 18.39 15.6
15.96 16.21 25.8
15.48 15.40 11.5
-1.51 5.32 10.7
46.26 51.15 55.2
1.70 1.34 1.1
59.36 89.29 100.2

61.94 62.76 53.8
112.79 109.11 90.8
74.38 74.55 66.8
30.97 34.28 34.0
20.42 23.42 25.0
2005
8.93
9.17
9.20
8.84
9.08
9.40
10.02
9.70
10.71
10.43
10.58
10.93
IFRS IFRS
Unqualified Not Audited
Original Original
31/12/2005 31/12/2004
12 months 12 months
mil EUR mil EUR
435,828.8 369,350.0
443,438.7 376,195.2
7,609.9 6,845.2
303,898.6 246,393.5
57,344.4 64,565.3
31,755.3 24,906.1
166,796.2 108,557.8
48,002.7 48,364.3
739,727.4 615,743.5
9,993.2 10,585.2
59,386.3 38,157.6
809,106.9 664,486.3
479,661.2 400,277.4
270,962.6 243,187.8
57,223.2 49,830.0
151,475.4 107,259.6
202,593.8 142,064.4
31,538.8 28,139.1
26,322.9 8,725.1
144,732.1 105,200.2
64,402.3 60,204.1
n.a. n.a.
19,823.0 18,023.8
42,626.6 43,916.6
809,106.9 664,486.3
4,356.0 4,208.0
7,609.9 6,845.2
163,250.7 124,854.2
16,229.2 15,503.3
144,716.9 106,674.4
8,081.6 n.a.
21,990.7 22,178.2

Original Original
31/12/2005 31/12/2004
12 months 12 months
mil EUR mil EUR
10,659.4 7,561.5
8,748.4 6,756.8
1,374.8 738.6
n.a. n.a.
6,061.1 4,727.2
1,312.5 1,291.0
10,723.1 7,887.7
1,747.9 1,595.1
727.1 -448.3
7,663.9 4,387.2
1,241.8 525.8
6,752.8 3,996.2
18,632.4 13,751.0
1,744.2 1,310.7
12.94 13.01
7.88 7.16
53,426.0 44,360.0
32,532.0 24,419.0
1,269.0 620.0
IFRS IFRS
Original Original
31/12/2005 31/12/2004
12 months 12 months
mil EUR mil EUR
24,200.2 11,749.9
8,888.4 5,694.5
335.6 389.0
33,424.2 17,833.4
12,975.5 5,865.2
9,789.3 4,406.7
22,764.8 10,271.9
10,659.4 7,561.5
1,374.8 738.6
0.0 0.0
n.a. n.a.
201.5 161.4
6,061.1 4,727.2
335.6 562.3
7,973.0 6,189.5
5,611.3 4,296.2
5,111.8 3,591.5
10,723.1 7,887.7
775.4 567.3
8,684.7 6,430.6
1,747.9 1,595.1
0.0 0.0
6,936.8 4,835.5
n.a. n.a.
2,311.8 831.6
0.0 138.2
n.a. n.a.
-1,584.7 -1,141.7
7,663.9 4,387.2
1,241.8 525.8
330.7 134.8
6,752.8 3,996.2
6.7 1,935.0
n.a. n.a.
1,222.4 -157.4
57.3 -32.9
8,039.2 5,740.9
n.a. n.a.
6,752.8 3,996.2
1,744.2 1,310.7
n.a. n.a.
n.a. n.a.
n.a. n.a.
248,615.0 228,690.0
108,511.0 98,893.1
86,312.7 48,612.1
7,609.9 6,845.2
435,828.8 369,350.0
443,438.7 376,195.2
4,356.0 4,208.0
32,911.0 22,800.0
57,344.4 64,565.3
n.a. n.a.
89,819.8 60,288.9
31,755.3 24,906.1
73,944.9 44,521.3
n.a. n.a.
3,031.5 3,747.6
n.a. n.a.
198,551.5 133,463.9
52,068.7 33,553.9
n.a. n.a.
n.a. n.a.
47,495.2 46,267.1
507.5 2,097.2
739,727.4 615,743.5
16,086.5 0.0
n.a. n.a.
n.a. n.a.
9,993.2 10,585.2
14,018.2 15,090.6
2,211.0 412.7
1,217.6 1,381.7
8,909.4 8,342.2
n.a. n.a.
16,943.6 12,930.4
809,106.9 664,486.3
80,631.2 67,714.7
92,219.5 82,570.0
98,111.9 92,903.1
270,962.6 243,187.8
57,223.2 49,830.0
n.a. n.a.
151,475.4 107,259.6
479,661.2 400,277.4
114,659.8 83,022.0
21,990.7 22,178.2
n.a. n.a.
136,650.5 105,200.2
31,538.8 28,139.1
26,322.9 8,725.1
674,173.4 542,341.8
n.a. n.a.
n.a. n.a.
19,823.0 18,023.8
1,100.6 625.4
2,767.2 2,870.9
n.a. n.a.
8.0 n.a.
44,672.3 42,344.8
15,854.2 14,363.0
758,398.7 620,569.7
8,081.6 n.a.
n.a. 7,416.2
36,676.9 32,670.4
2,848.2 2,085.3
1,941.7 1,935.0
n.a. n.a.
1,159.8 -190.3
42,626.6 36,500.4
809,106.9 664,486.3
n.a. n.a.
n.a. n.a.
6.02 n.a.
4.73 n.a.
5.08 n.a.
3.82 n.a.
1.62 n.a.
1.35 n.a.
1.62 n.a.
42.79 45.01
57.55 57.36
1.48 n.a.
22.00 n.a.
1.20 n.a.
20.13 24.80
17.58 n.a.
0.96 n.a.
16.20 11.98
2.10 1.89
1.68 1.42
17.11 n.a.
0.93 n.a.
20.37 n.a.
1.11 n.a.
n.a. n.a.
1.64 1.17
1.95 1.68
n.a. n.a.
n.a. n.a.
3.04 2.90
7.88 7.16
12.94 13.01
n.a. n.a.
5.27 5.49
25.83 32.80
21.70 22.83
n.a. n.a.
11.75 7.36
21.76 n.a.
17.87 n.a.
0.98 1.12
1.72 1.82
174.70 162.67
-7.63 -7.23
0.43 n.a.
0.32 n.a.
0.98 1.12
163.65 154.69
100.21 129.57
42.16 47.29
n.a. n.a.
n.a. n.a.
48,199.7 31,511.6
n.a. n.a.
77,678.3 63,110.7
18,838.9 12,052.1
953,823.8 771,160.7
412,734.0 340,946.0
n.a. n.a.
412,734.0 340,946.0
402,303.0 n.a.
657,930.0 n.a.
725,620.1 n.a.
n.a. n.a.
595,494.6 n.a.
26,936.3 n.a.
39,468.0 n.a.
274,315.1 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
33,904.0 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
21,990.7 22,178.2
n.a. n.a.
6,752.8 3,996.2
n.a. n.a.
n.a. n.a.
42,626.6 36,500.4
n.a. 7,416.2
n.a. n.a.
n.a. n.a.
42,626.6 36,500.4
n.a. n.a.
n.a. n.a.
14,018.2 15,090.6
2,211.0 412.7
2,361.0 2,211.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
7,287.4 5,806.7
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
24,200.2 11,749.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
12,975.5 5,865.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
81,741.9 55,869.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
8,077.9 4,419.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
26,480.0 17,508.0
n.a. n.a.
116,299.8 77,796.9
9,016.7 10,380.6
59,037.3 26,321.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
5,890.9 7,818.8
n.a. n.a.
73,944.9 44,521.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
59,037.3 26,321.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
13,968.8 12,238.1
n.a. n.a.
n.a. n.a.
1,269.0 620.0
4,235.7 3,684.6
3,374.2 3,160.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
23,497.2 23,497.2
n.a. n.a.
13,179.7 9,173.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,848.2 2,085.3
39,778.4 34,415.1
42,626.6 32,670.4
1,941.7 1,935.0
1,065.0 n.a.
n.a. n.a.
n.a. -32.9
3,006.7 1,902.1
70.4 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
3,077.1 1,902.1
n.a. n.a.
3,077.1 1,902.1
n.a. 7,416.2
42,626.6 43,916.6
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1,744.2 1,310.7
1,744.2 1,310.7
n.a. n.a.
2,361.0 2,211.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
7,287.4 5,806.7
7,287.4 5,806.7
7,287.4 5,806.7
32,532.0 24,419.0
53,426.0 44,360.0
7.88 7.16
12.94 13.01
412,734.0 340,946.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
198,551.5 133,463.9
n.a. n.a.
198,551.5 133,463.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
125,367 132,001
10,201 9,973
7.88 7.16
n.a. n.a.
12.94 13.01
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
16,086.5 8,801.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2005 31/12/2004
1.72 1.82
16.40 21.10
174.70 162.67
0.98 1.12
0.31 0.17
14.93 11.09
10.22 9.58
n.a. n.a.
7.88 7.16
12.94 13.01
5.27 6.61
9.78 11.89
8.89 10.97
5.79 7.34
8.99 9.95
16.68 17.90
15.16 16.51
9.87 11.05
30.25 33.56
1.57 1.23
1.45 1.14
1.19 1.02
1.69 1.43
0.94 0.73
-0.07 -0.15
0.92 0.60
15.61 9.10
25.83 32.80
11.58 6.12
10.77 -11.22
55.25 55.09
1.18 0.97
100.21 129.57
53.87 55.58
90.86 92.27
66.83 71.01
34.04 31.19
25.03 24.00
Banco Bilbao Vizcaya Argentaria SA
48005 BILBAO BvD ID number ESA48265169

SPAIN Index number 22628
Contact details
CALLE CLARA DEL REY 26 Phone number +34 (94) 487 55 55

Fax number +34 (94) 487 60 60
48005 BILBAO Web Site Address www.bbva.es
SPAIN
Formerly known as Banco Bilbao Vizcaya, BBV

Bank History :
Established in October 1988 following the merger of Banco de Bilbao and Banco de Vizcaya SA. In 1994, absorbed Banco
Meridional SA. On January 1, 2000 Banco Bilbao Vizcaya, BBV absorbed Argentaria, Caja Postal y Banco Hipotecario SA
and changed its name to Banco Bilbao Vizcaya Argentaria SA. On March 22, 2000 absorbed Banco del Comercio SA and
Banco de Negocios Argentaria. On April 17, 2000 absorbed Banca Catalana SA and Banco de Alicante. On June 17, 2009,
absorbed Banco de Crédito Local de España.

Accounting Standards International Financial Nickname BBVACI
Name of the Auditor Deloitte, S.L. Model ALLBANKS
Types of accounts Cons., Uncons., Add. Cons.
available & Add. Uncons.
BvD indep. indicator A+

(02/11/2012) World rank, 2011 41
shareholders
No of recorded 523
subsidiaries
Peer Group

Size 1,148
information.
information.
Overall country rating BB 01/10/2012
Banking sector rating BB 01/10/2012 Stable
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 351,900.0 338,857.0 323,442.0 335,260.0
Gross Loans 361,310.0 348,253.0 332,162.0 342,691.0
Derivatives 52,127.0 37,268.0 32,873.0 44,779.0
Fixed Assets 5,740.0 5,132.0 5,229.0 5,291.0
Total Assets 597,688.0 552,738.0 535,065.0 539,872.0

Derivatives 49,402.0 34,828.0 30,308.0 41,535.0
Loan Loss Reserves 291.0 264.0 243.0 421.0
Other Reserves 7,270.0 8,058.0 8,316.0 8,257.0
Equity 40,058.0 37,475.0 30,763.0 26,705.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives 1,054.0 643.0 321.0 265.0
Statement
Remaining Operating Income 2,534.0 2,677.0 2,400.0 2,864.0
Overheads 11,259.0 9,847.0 9,247.0 9,249.0
Other -2,644.0 -957.0 -1,373.0 -800.0
Profit before Tax 3,770.0 6,422.0 5,736.0 6,926.0
Tax 285.0 1,427.0 1,141.0 1,541.0
Net Income 3,485.0 4,995.0 4,595.0 5,385.0
Dividend Paid 937.0 1,622.0 1,574.0 1,820.0

Tier 1 Ratio 10.30 10.54 9.36 7.90
Total Capital 42,770.0 42,924.0 39,440.0 35,033.0
Tier 1 Capital 34,161.0 33,023.0 27,254.0 22,710.0
Net-Charge Offs 3,708.0 4,170.0 3,641.0 2,000.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 562.0 529.0 443.0 447.0

Net Gains (Losses) on Trading and Derivatives 1,054.0 643.0 321.0 265.0
Net Gains (Losses) on Other Securities 56.0 715.0 492.0 1,080.0
Statement

Operating Profit 6,395.0 7,202.0 6,835.0 7,582.0

Non-recurring Income n.a. n.a. 977.0 820.0
Non-recurring Expense n.a. n.a. 1,618.0 45.0
Other Non-operating Income and Expenses -2,625.0 -780.0 -458.0 -1,431.0
Pre-tax Profit 3,770.0 6,422.0 5,736.0 6,926.0
Tax expense 285.0 1,427.0 1,141.0 1,541.0
Profit/Loss from Discontinued Operations n.a. n.a. 0.0 0.0
Net Income 3,485.0 4,995.0 4,595.0 5,385.0

Currency Translation Differences -959.0 1,258.0 -5.0 -643.0
Remaining OCI Gains/(losses) -43.0 -348.0 -147.0 76.0
Fitch Comprehensive Income 1,468.0 4,287.0 5,463.0 2,203.0
Memo: Net Income after Allocation to Non- 3,004.0 4,606.0 4,210.0 5,020.0
Memo: Common Dividends Relating to the Period 937.0 1,622.0 1,574.0 1,820.0
Balance Sheet
Assets
Loans
Other Mortgage Loans 130,703.0 n.a. n.a. n.a.
Other Consumer/ Retail Loans 14,980.0 135,868.0 126,488.0 n.a.
Corporate & Commercial Loans 13,152.0 150,239.0 177,644.0 n.a.
Other Loans 202,475.0 62,146.0 28,030.0 342,691.0
Net Loans 351,900.0 338,857.0 323,442.0 335,260.0
Gross Loans 361,310.0 348,253.0 332,162.0 342,691.0
Memo: Loans at Fair Value included above n.a. n.a. 0.0 0.0
Reverse Repos and Cash Collateral 5,788.0 7,822.0 n.a. n.a.
Derivatives 52,127.0 37,268.0 32,873.0 44,779.0
Other Securities 3,069.0 2,213.0 436.0 378.0
Investments in Property 1,590.0 1,569.0 1,634.0 1,734.0
Insurance Assets 1,816.0 1,598.0 29.0 29.0
Non-earning Assets
Foreclosed Real Estate 4,705.0 3,023.0 1,470.0 327.0
Fixed Assets 5,740.0 5,132.0 5,229.0 5,291.0
Goodwill 8,507.0 8,532.0 6,396.0 7,659.0
Other Intangibles 1,879.0 1,058.0 852.0 780.0
Discontinued Operations 229.0 200.0 n.a. n.a.
Other Assets 3,646.0 2,833.0 3,176.0 0.0
Total Assets 597,688.0 552,738.0 535,065.0 539,872.0
Funding
Other Funding 47,823.0 46,788.0 44,451.0 54,434.0
Derivatives 49,402.0 34,828.0 30,308.0 41,535.0
Total Funding 520,848.0 478,240.0 470,629.0 482,989.0
Fair Value Portion of Debt n.a. 0.0 0.0 0.0
Credit impairment reserves 291.0 264.0 243.0 421.0
Other Deferred Liabilities n.a. 0.0 0.0 0.0
Discontinued Operations n.a. 0.0 0.0 0.0
Insurance Liabilities 9,562.0 9,641.0 7,186.0 660.8
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. 0.0 n.a. 0.0
Equity
Equity
Common Equity 40,952.0 36,689.0 29,362.0 26,586.0
Securities Revaluation Reserves -682.0 333.0 1,951.0 931.0
Foreign Exchange Revaluation Reserves -1,937.0 -978.0 -2,236.0 -2,231.0
Fixed Asset Revaluations and Other Accumulated -168.0 -125.0 223.0 370.0
OCI
Total Equity 40,058.0 37,475.0 30,763.0 26,705.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Net Income/ Av. Total Assets plus Av. Managed n.a. n.a. 0.85 n.a.
Securitized Assets%
Assets%
Capitalization
Core Tier 1 Regulatory Capital Ratio% n.a. 8.89 7.97 n.a.
Loan Quality
%
Foreclosed Assets%
Funding
%
Reference Data
Managed Securitized Assets Reported Off-Balance n.a. n.a. 392.0 n.a.
Sheet
Guarantees 39,904.0 36,441.0 33,185.0 35,952.0

balance sheet
Average Loans 354,430.5 342,425.2 339,266.0 331,196.0
Average Assets 575,892.0 553,680.7 539,645.2 511,850.4
Average Managed Assets Securitized Assets (OBS) n.a. n.a. 392.0 n.a.
Average Equity 38,761.0 32,364.4 29,288.6 26,909.8
Maturities





Net Income 3,485.0 4,995.0 4,595.0 5,385.0
Published Net Income 3,485.0 4,995.0 4,595.0 5,385.0
Equity 40,058.0 37,475.0 30,763.0 26,705.0
Add: Pref. Shares and Hybrid Capital accounted for n.a. 0.0 n.a. 0.0
as Equity

interests)
on the B/S- CC only
Goodwill 8,507.0 8,532.0 6,396.0 7,659.0
Other intangibles 1,879.0 1,058.0 852.0 780.0
Net asset value of insurance subsidiaries 600.0 603.0 1,027.5 0.0
securitizations

Assets
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a. 34,672.0 26,556.0
breakdown)
Trading Assets - Equities n.a. n.a. 5,783.0 5,797.0
Income Statement
Total Trading Assets at FV through the Income n.a. n.a. 40,455.0 32,353.0
Statement
AFS Assets - Debt Securities (where no issuer n.a. n.a. 20,520.0 22,967.0
breakdown)
AFS Assets - Government n.a. n.a. 36,551.0 16,864.0
AFS Assets - Equities n.a. n.a. 6,450.0 7,949.0
Total AFS Assets 58,144.0 56,456.0 63,521.0 47,780.0
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. 1,364.0 1,438.0
HTM - Government n.a. n.a. 4,073.0 3,844.0

Total Debt Securities - Government n.a. n.a. 40,624.0 20,708.0
Total Debt Securities - Equities & Other n.a. n.a. 12,233.0 13,746.0
Asset Quality Data

Net Charge-offs
Gross Charge-offs 4,039.0 4,423.0 3,828.0 n.a.
Recoveries 331.0 253.0 187.0 n.a.
Net Charge-offs 3,708.0 4,170.0 3,641.0 2,000.0
Reserves
Collective/General Loan Impairment Reserves n.a. 2,713.0 2,975.0 2,865.0
Individual/Specific Loan Impairment Reserves n.a. 6,683.0 5,745.0 3,282.0

Capital
Eligible Capital

dividends
Treasury Shares 300.0 n.a. n.a. 720.0
Valuation Reserves for AFS Securities in OCI Total -682.0 333.0 1,951.0 931.0
Valuation Reserves for FX in OCI -1,937.0 -978.0 -2,236.0 -2,231.0
Valuation Reserves in OCI - Other -198.0 -125.0 223.0 247.0
Total Valuation Reserves in OCI -2,817.0 -770.0 -62.0 -1,053.0
Cash Flow Hedge Reserve 30.0 49.0 n.a. 207.0
Other OCI Reserves -1,065.0 n.a. n.a. n.a.
Total OCI Reserves -3,852.0 -721.0 -62.0 -846.0
Total Other Equity Reserves -3,852.0 -721.0 -62.0 -846.0
Hybrid Securities Reported in Equity n.a. 0.0 n.a. 0.0
Interests
absorbing

Total Dividends Related to Period 937.0 1,622.0 1,574.0 1,820.0
Total Dividends Paid and Declared in Period 937.0 1,622.0 1,574.0 1,820.0
Capital
Intangibles to be deducted from Core Capital n.a. n.a. n.a. 8,439.0
Hybrid Capital Fitch Class A 0.0 0.0 0.0 n.a.
Hybrid Capital Fitch Class B n.a. 0.0 0.0 n.a.
Hybrid Capital Fitch Class C 1,760.0 5,202.0 5,188.0 5,391.0
Hybrid Capital Fitch Class D n.a. 0.0 0.0 n.a.
Hybrid Capital Fitch Class E 3,430.0 2,000.0 2,000.0 n.a.
Regulatory Capital
II
II
Capital
Reverse repurchase agreements included in loans n.a. 4,764.0 n.a. n.a.
deposits
banks

Average Reverse repurchase agreements included n.a. 4,764.0 n.a. n.a.
in loans

Number of Branches 7,457 7,361 7,466 7,787
Core Tier 1 Regulatory Capital Ratio% n.a. 8.89 7.97 n.a.
Deposits of Governments and Municipalities n.a. 17,412.0 n.a. n.a.
Total Exposure to Central Bank 25,821.0 15,683.0 n.a. n.a.
Government n.a. 23,656.0 n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 10.30 10.54 9.36 7.90
Equity / Net Loans 11.38 11.06 9.51 7.97
Operations
Dividend Pay-Out 26.89 32.47 34.26 33.80
Liquidity
Interbank Ratio 29.33 27.54 34.27 48.24
General information


ISIN number: ES0113211835
Ticker symbol: BBVA
Stock exchange(s) listed: Bolsa de Madrid

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Hannover
Boerse Munchen
Boerse Stuttgart
Bolsa Mexicana de Valores
Euronext Amsterdam
US Exchange
XETRA
Stock index information: FTSE EUROTOP 100 - NETHERLANDS
IBEX 35 - SPAIN
Market price - May 4.60 7.98 8.23 8.29 13.62 17.86 15.37 12.11
Market price - October 6.44 6.56 9.13 11.81 8.55 16.51 17.99 13.99

Price trends (%)

Price trends - Last week 3.45
BETA

Reference index 2: IGBM (INDICE GENERAL DE LA

BOLSA DE MADRID)
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 30/10/2012 Telefónica successfully completes flotation of Telefónica
Germany (deal no. 1601374463)
2 19/10/2012 CEMEX Latam releases IPO details (deal no. 1601396742)
3 11/10/2012 Eroski acquires remaining stake in Caprabo from Botet family
(deal no. 1601410968)
1601390898)
5 01/10/2012 BBVA may be looking for acquisitions (deal no. 1601407689)
6 28/09/2012 BBVA to swap Unnim debt for BBVA shares: acceptance period
closes (deal no. 1601407751)
7 28/09/2012 Seguros Catalana and Inoc complete acquisition of Groupama
Seguros (deal no. 1601356188)
8 26/09/2012 Antena 3 looking to acquire La Sexta: Spanish Advertisers
Association appeals against transaction (deal no. 1601295801)
9 25/09/2012 Brookfield to acquire stake in Abertis (deal no. 1601405777)

10 27/07/2012 BBVA completes acquisition of Unnim (deal no. 1601314487)
11 24/07/2012 Inveravante Inversiones Universales sells BBVA stake to UBS
(deal no. 1601389864)
12 20/07/2012 Eni completes sale of Galp Energia stake to Amorim Energia
(deal no. 1601246842)
13 11/07/2012 Social Point secures second round funding (deal no.
1601386295)
14 29/06/2012 Elecnor acquires stake in Malpica wind farm (deal no.
1601393803)
15 28/06/2012 Oriental Financial Group to acquire Puerto Rico operations from
Banco Bilbao Vizcaya Argentaria: Oriental will use funds of a
public offer to complete acquisition (deal no. 1601382584)
16 25/06/2012 Enagás signs agreement to acquire Naturgas Energía Transporte

from EDP (deal no. 1601381017)
17 22/06/2012 Cencosud completes sale of ADR and shares issue on NYSE: JP
Morgan and UBS authorise Cencosud to sell remaining shares
(deal no. 1601262423)
18 14/06/2012 Comunidad de Madrid sells stake in Canal de Isabel to 111

municipalities (deal no. 1601383914)
20 31/05/2012 GS Engineering & Construction completes acquisition of Inima

from OHL (deal no. 1601273234)
21 30/05/2012 Ayuntamiento de Madrid cancels Canal de Isabel II stake sale
(deal no. 1601082809)
22 30/05/2012 Empresas ICA to acquire majority stake in San Martín
Contratistas Generales (deal no. 1601374698)
23 26/05/2012 Colfax acquires majority stake in Soldex from Inversiones Breca
(deal no. 1601346965)
24 25/05/2012 State Grid and Oman Oil complete REN stake acquisition (deal
no. 1601173920)
25 24/05/2012 BBVA may sell Latin American assets (deal no. 1601372775)
26 24/05/2012 BBVA considering strategic alternatives for Latin American
pension fund business: Grupo Financiero Banorte may be
interested (deal no. 1601372775)
27 24/05/2012 Banco Bilbao Vizcaya Argentaria may sell AFP Horizonte:

Administradora de Fondos de Pensiones Habitat may acquire AFP
Horizonte (deal no. 1601373275)
28 24/05/2012 Banco Bilbao Vizcaya Argentaria may sell AFP BBVA Provida:
Grupo Sura not to bid for BBVA LatAm pension assets (deal no.
1601373237)
29 08/05/2012 Iberdrola Renovables acquires stake in Sistemas Energéticos

Mas Garullo (deal no. 1601393555)
30 08/05/2012 Iberdrola Renovables acquires stake in Sistemas Energéticos La
Muela (deal no. 1601393558)
31 02/04/2012 Sogrape Vinhos acquires majority stakes in Bodegas Lan and
Bodega Santiago Ruiz from Mercapital (deal no. 1601358224)
32 27/03/2012 PSA Peugeot announces full subscription of its rights issue (deal
no. 1601347339)
33 09/03/2012 BBVA looking for further acquisitions (deal no. 1601350415)
34 06/03/2012 Peugeot reveals EUR 1bn rights issue details (deal no.
1601347339)
35 21/02/2012 ALD Automotive may acquire BBVA's renting subsidiary (deal no.
1601345310)
36 14/02/2012 Atlas Capital Private Equity acquires Adea from Indra (deal no.
1601343854)
37 10/02/2012 BBVA's board of directors plans new convertible bond offer (deal
no. 1601342232)
38 10/02/2012 BBVA's board of directors plans new capital increase (deal no.
1601342261)
39 03/02/2012 Banco Bilbao Vizcaya Argentaria mulling over Dexia's
40 01/02/2012 Unicredit completes rights issue (deal no. 1601292194)
41 31/01/2012 CSN acquires Stahlwerk Thüringen and Gallardo back office in
Germany (deal no. 1601339008)
42 27/12/2011 Spanish Government authorises CESCE privatisation process:
Mapfre favourite to acquire CESCE (deal no. 1601328164)
43 14/12/2011 RWE Innogy Aersa increases its stake in Explotaciones Eólicas de
Aldehuelas (deal no. 1601325630)
44 22/11/2011 BBVA completes conversion of convertible bonds (deal no.
1601318690)
45 10/11/2011 Chesapeake Granite Wash Trust prices IPO (deal no.
1601313557)
46 26/10/2011 Abertis sells majority stake in Saba to Torreal, ProA Capital and
Caixabank (deal no. 1601274861)
47 25/10/2011 Four suitors including UK for Portuguese national grid: report
(deal no. 1601173920)
48 11/10/2011 Catalunya Caixa auction suspended (deal no. 1601307384)
49 28/09/2011 LAE delays its IPO (deal no. 1601241797)
50 16/09/2011 CSN terminates acquisition contract for Gallardo's assets (deal
no. 1601225562)
Source : Zephyr
Boards & committees

= also shareholder
1. Mr. Francisco González Rodríguez - Chairman of the Board, BoD RE
Executive Director
P002179465 (since 29/09/2009)
- Chairman of the Executive ExeB WW
Committee
2. Mr. Tomás Alfaro Drake - Independent Director BoD RE, WW
P014157264 (since 18/03/2006)
- Member of the Audit & AudC, OthBC WW
- Chairman of the Appointments NomC WW
Committee
3. Mr. Juan Carlos Álvarez Mezquíriz - Independent Director BoD RE, WW
(since 28/01/2000)
P002179441 - Member of the Executive ExeB WW
Committee
- Member of the Appointments NomC WW
Committee
4. Mr. Ramón Bustamante y de la - Independent Director BoD RE, WW
Mora (since 28/01/2000)
P002274841 - Member of the Audit & AudC, OthBC WW
- Member of the Risks Committee WW
5. Mr. Ángel Cano Fernández - President; Chief Executive BoD RE, VI, WW
P014157254 Officer, Executive Director;
Executive Member of the Board
of Directors (since 09/2009)
- Member of the Executive ExeB WW
Committee
6. Mr. José Antonio Fernández - Independent Director BoD RE, WW
Rivero (since 28/02/2004)
P002179459 - Member of the Appointments NomC WW
Committee
- Chairman of the Risks OthBC WW
Committee
7. Mr. Ignacio Ferrero Jordi - Independent Director BoD RE, WW
P014157266 (since 28/01/2000)
Committee
- Member of the Remuneration RemC WW
Committee
8. Mrs. Belén Garijo López - Independent Director BoD RE, WW
P014145780 (since 01/02/2012)
9. Mr. Carlos Loring Martínez de - Independent Director BoD RE, WW
Irujo (since 28/02/2004)
P002179475 - Member of the Audit & AudC, OthBC WW
9.

- Chairman of the Remuneration RemC WW
Committee
10. Mr. José Maldonado Ramos - Director (since 2011) BoD RE
Committee
Committee
Committee
11. Mr. Enrique Medina Fernández - Independent Director BoD RE, WW
P002179482 (since 28/01/2000)
Committee
- Member of the Risks Committee WW
12. Mr. José Luis Palao García-Suelto - Independent Director BoD RE, WW
(since 01/02/2011)
P039830227 - Member of the Risks Committee; AudC, OthBC WW
Chairman of the Audit and
13. Mr. Juan Pi Llorens - Independent Director BoD RE, WW

P104874258 (since 27/07/2011)
Committee
- Member of the Risks Committee OthBC WW
14. Mrs. Susana Rodríguez Vidarte - Independent Director BoD RE, WW
P014157267 (since 28/05/2002)
Committee
Committee
15. Mr. Domingo Armengol Calvo - Secretary of the Executive ExeB WW
Management & staff

= also shareholder
1. Mr. Ángel Cano Fernández - President; Chief Executive SenMan RE, VI, WW
P014157254 Officer, Executive Director;
of Directors (since 09/2009)
- Chief Operating Officer Oper VI, WW
(since 09/2009)
2. Mr. Francisco González Rodríguez - Chairman of the Board, SenMan RE
Executive Director
P002179465 (since 29/09/2009)
3. Mr. Fernando Gutierrez - HEAD OF CHAIRMAN'S Officer SenMan RE
P014157261
4. Mr. Domingo Armengol Calvo - General Secretary SenMan RE, WW
P031278437
5. Mr. Ricardo Gomez Barredo - Director of Global Accounting & FinAcc RE
P011146324 Informational Management
6. Mr. Manuel González Cid - Chief Financial Officer FinAcc RE
P014157252
7. Mr. Juan Ignacio Aporta Gordo - Director of Human Resources HR RE
and Services
7. - Director of Human Resources HR RE
P062962581 and Services
8. Mr. Ignacio Deschamps González - Director of Retail Banking Sales RE
(since 2012)
P014157258
9. Mr. José María García Meyer- - Director of Global Retail & Sales RE
Dohner Business Banking
P014157260
10. Mr. Ramon Maria Monell Valls - Director of Innovation and R&D RE
P082728386 Technology
11. Mr. Manuel Castro Aladro - Chief Risk Officer OthDep RE
P042066506
12. Mr. Eduardo Arbizu Lostao - Director of Compliance, Legal OthDep RE
P014157253 and Audit Services
13. Mr. Juan Asúa Madariaga - Director of Corporate and OthDep RE
P014157255 Investment Banking
(since 16/05/2012)
14. Mr. Roman Escolano - Director of Institutional Relations OthDep RE
P133124277
15. Mr. Gregorio Panadero Illera - Director of Corporate Image and OthDep RE
P042210890 Communication
16. Mr. Vicente R. Rodero Rodero - Director of South America OthDep RE
P014157263 Business Unit
17. Mr. Jaime Saenz De Tejada - Director of Spain and Portugal OthDep RE
Pulido Business Unit
P098762824 (since 16/05/2012)
18. Mr. Manuel Sánchez Rodríguez - Director of United States OthDep RE
P113820897 Business Unit
19. Mr. Carlos Torres Vila - Director of Corporate Strategy OthDep RE
P102218545 and Development
Controlling shareholders
BvD Independence Indicator: A+
Current definition of the UO: path of min 50.01% of control, known or unknown shareholders
This bank is the Global UO of the Corporate Group.

See the Current shareholders report section for other shareholders.
Current subsidiaries
Current filter:No filter
The banks underlined and displayed in bold blue are available onBANKSCOPE.
The banks underlined and displayed in bold grey are available on otherBvD Databases.
Ownership Source
Coun Direct Total Level Source Date of

Subsidiary name Status
- try (%) (%) of own. ident. info.
First 100 out of 523 subsidiaries.

1. AUTOMERCANTIL-COMERCIO E ALUGER DE PT 100.00 100.00 1 UO+ RM 12/2011
VEICULOS AUTOM LDA
2. B B V A SECURITIES OF PUERTO RICO INC, US 100.00 100.00 1 UO+ IP 08/2012
THE
3. BANCO BILBAO VIZCAYA ARGENTARIA PY 100.00 100.00 1 UO+ IP 08/2012
PARAGUAY SA
4. BANCO BILBAO VIZCAYA ARGENTARIA UY 100.00 100.00 1 UO+ IP 08/2012
URUGUAY SA
5. BBV BANCO DE INVESTIMENTO S.A. BR 100.00 100.00 1 UO+ IP 09/2011
6. BBV INTERNATIONAL FINANCE, LTD KY 100.00 100.00 1 UO+ IP 09/2011
7. BBVA BRASIL BANCO DE INVESTIMENTO BR 100.00 100.00 1 UO+ RM 12/2011
SA
8. BBVA CAPITAL FINANCE SOCIEDAD ES 100.00 100.00 1 UO+ RM 12/2011
ANONIMA
9. BBVA CAPITAL FUNDING LTD KY 100.00 100.00 1 UO+ IP 09/2011
10. BBVA DINERO EXPRESS SA ES 100.00 100.00 1 UO+ RM 12/2011
11. BBVA FINANCE SPA IT 100.00 100.00 1 UO+ RM 12/2011
12. BBVA FINANZIA S.P.A. IT 100.00 100.00 1 UO+ RM 12/2011
13. BBVA GLOBAL FINANCE LTD KY 100.00 100.00 1 UO+ IP 08/2012
14. BBVA GLOBAL MARKETS B.V. NL 100.00 100.00 1 UO+ RM 12/2011
15. BBVA INTERNATIONAL LIMITED KY 100.00 100.00 1 UO+ RM 12/2011
16. BBVA INTERNATIONAL PREFERRED ES 100.00 100.00 1 UO+ RM 12/2011
SOCIEDAD ANONIMA
17. BBVA PARAGUAY S.A. PY 100.00 100.00 1 UO+ RM 12/2011
18. BBVA PENSIONES SOCIEDAD ANONIMA ES 100.00 100.00 1 UO+ RM 12/2011
ENTIDAD GESTORA DE FONDOS DE
PENSIONES
19. BBVA PUERTO RICO HOLDING US 100.00 100.00 1 UO+ IP 09/2011

CORPORATION
20. BBVA SENIOR FINANCE SAU ES 100.00 100.00 1 UO+ RM 12/2011
21. BBVA SUBORDINATED CAPITAL SOCIEDAD ES 100.00 100.00 1 UO+ RM 12/2011
ANONIMA
22. BBVA US SENIOR SOCIEDAD ANONIMA ES 100.00 100.00 1 UO+ RM 12/2011
23. BBVA USA BANCSHARES,INC US 100.00 100.00 1 UO+ RM 12/2011
24. BBVAPR HOLDING CORP US 100.00 100.00 1 UO+ RM 12/2011
25. BCL GLOBAL FUNDING BV NL 100.00 100.00 1 UO+ IP 08/2012
26. BCL INTERNATIONAL FINANCE LTD KY 100.00 100.00 1 UO+ IP 09/2011
27. BLUE INDICO INVESTMENTS SL ES 100.00 100.00 1 UO+ IP 08/2012
28. CARTERA E INVERSIONES SA CIA DE ES 100.00 100.00 1 UO+ RM 12/2011
29. COMPAÑIA CHILENA DE INVERSIONES ES 100.00 100.00 1 UO+ RM 12/2011
SOCIEDAD LIMITADA
30. COMPAÑIA DE CARTERA E INVERSIONES ES 100.00 100.00 1 UO+ IP 09/2011
SA
31. CORPORACION GENERAL FINANCIERA SA ES 100.00 100.00 1 UO+ RM 12/2011
32. EL MILANILLO SA ES 100.00 100.00 1 UO+ RM 12/2011
33. ESPANHOLA COMERCIAL E SERVICOS BR 100.00 100.00 1 UO+ IP 08/2012
LTDA.
34. FINANCEIRA DO COMERCIO EXTERIOR, PT 100.00 100.00 1 UO+ IP 09/2011
S.A.
35. FINANZIA AUTORENTING SA ES 100.00 100.00 1 UO+ RM 12/2011
36. IBERDROLA SERVICIOS FINANCIEROS ES 100.00 100.00 1 UO+ OS 03/2011
37. INVERSIONES BAPROBA CA VE 100.00 100.00 1 UO+ RM 12/2011
38. PECRI INVERSION SA ES 100.00 100.00 1 UO+ RM 12/2011
39. PROMOTORA DE RECURSOS AGRARIOS SA ES 100.00 100.00 1 UO+ RM 12/2011
40. PROXIMA ALFA INVESTMENT LTD IE 100.00 100.00 1 UO+ IP 03/2012

41. PROXIMA ALFA INVESTMENTS HOLDINGS US 100.00 100.00 1 UO+ RM 12/2011
(USA) INC
42. SOCIEDAD DE ESTUDIOS Y ANALYSIS ES 100.00 100.00 1 UO+ RM 12/2011
FINANCIERA
43. UNNIM BANC SA. ES 100.00 100.00 1 UO+ OS 07/2012
44. UNO-E BANK ES 100.00 100.00 1 UO+ RM 12/2011
45. VALANZA CAPITAL RIESGO S G E C R SA ES 100.00 100.00 1 UO+ RM 12/2011
46. GESTION Y ADMINISTRACION DE RECIBOS ES 99.96 100.00 1 UO+ RM 12/2011
SA
47. BBVA PARTICIPACIONES MEJICANAS SL ES 99.00 100.00 1 UO+ RM 12/2011
48. BBVA SEGUROS COLOMBIA SA CO 94.00 100.00 1 UO+ RM 12/2011
49. BBVA SEGUROS DE VIDA COLOMBIA SA CO 94.00 100.00 1 UO+ RM 12/2011
50. BILBAO VIZCAYA HOLDING SOCIEDAD ES 89.00 100.00 1 UO RM 12/2011
ANONIMA
51. BBVA PLANIFICACION PATRIMONIAL S.L. ES 80.00 100.00 1 UO RM 12/2011
52. BBVA INSTITUICAO FINANCEIRA DE PT 49.90 100.00 1 UO+ RM 12/2011

CREDITO SA
53. BANCO OCCIDENTAL SA ES 49.43 100.00 1 UO RM 12/2011
54. BBVA LUXINVEST S A LU 36.00 100.00 1 UO+ RM 12/2011
55. SEGUROS BANCOMER MX 24.99 100.00 1 UO+ RM 12/2011
56. AFP HORIZONTE SA PE 24.85 100.00 1 UO+ RM 12/2011
57. ADMINISTRADORA DE FONDOS PARA EL MX 17.50 100.00 1 UO RM 12/2011
RETIRO BANCOMER, S.A. DE C.V.
58. BBVA ASSET MANAGEMENT SA SGIIC ES 17.00 100.00 1 UO RM 12/2011
59. PREVENTIS SA MX 9.73 100.00 1 UO+ RM 12/2011
60. BBVA RENTING SA ES 5.94 100.00 1 UO RM 12/2011
61. AFP GENESIS ADMINISTRADORA DE EC - 100.00 1 UO+ RM 12/2011
FONDOS SA
62. AMERICAN FINANCE GROUP INC US - 100.00 1 UO+ RM 12/2011
63. ANIDA DESARROLLOS INMOBILIARIOS SL ES - 100.00 1 UO+ RM 12/2011
64. ANIDA GERMANIA IMMOBILIEN ONE DE - 100.00 1 UO+ RM 12/2011

GMBH
65. ANIDA INMOBILIARIA, S.A. DE C.V. MX - 100.00 1 UO+ RM 12/2011
66. ANIDA OPERACIONES SINGULARES SL ES - 100.00 1 UO+ RM 12/2011
67. ANIDA PROYECTOS INMOBILIARIOS, S.A. MX - 100.00 1 UO+ RM 12/2011
DE C.V.
68. ANIDA SERVICIOS INMOBILIARIOS, S.A. MX - 100.00 1 UO+ RM 12/2011
DE C.V.
69. ANIDAPORT - INVESTIMENTOS PT - 100.00 1 UO+ RM 12/2011
IMOBILIARIOS, UNIPESSOAL LDA
70. APLICA SOLUCIONES ARGENTINA S.A. AR - 100.00 1 UO+ RM 12/2011
71. APLICA SOLUCIONES TECNOLOGICAS CL - 100.00 1 UO+ RM 12/2011
CHILE LTDA
72. APLICA TECNOLOGIA AVANZADA MX - 100.00 1 UO+ RM 12/2011
OPERADORA SA DE CV
73. APLICA TECNOLOGIA AVANZADA MX - 100.00 1 UO+ RM 12/2011
SERVICIOS SA DE CV
74. ARIZONA FINANCIAL PRODUCTS INC US - 100.00 1 UO+ RM 12/2011
75. BANCO BILBAO VIZCAYA ARGENTARIA US - 100.00 1 UO+ RM 12/2011
PUERTO RICO
76. BANCO DEPOSITARIO BBVA ES - 100.00 1 UO RM 12/2011
77. BANCO PROVINCIAL OVERSEAS NV CW - 100.00 1 UO+ RM 12/2011
78. BANCOMER FINANCIAL SERVICES INC. US - 100.00 1 UO+ RM 12/2011
79. BANCOMER FOREIGN EXCHANGE INC US - 100.00 1 UO+ RM 12/2011
80. BANCOMER PAYMENT SERVICES, INC. US - 100.00 1 UO+ RM 12/2011
81. BANCOMER TRANSFER SERVICES, INC. US - 100.00 1 UO+ RM 12/2011
82. BBVA - FUNDOS - SOCIEDADE GESTORA DE PT - 100.00 1 UO+ RM 12/2011
FUNDOS DE PENSOES S.A.
83. BBVA ASESORIAS FINANCIERAS SA CL - 100.00 1 UO+ RM 12/2011
84. BBVA ASSET MANAGEMENT (IRELAND) IE - 100.00 1 UO+ RM 12/2011
LIMITED
85. BBVA ASSET MANAGEMENT CL - 100.00 1 UO RM 12/2011
ADMINISTRADORA GENERAL DE FONDOS
SA
86. BBVA ASSET MANAGEMENT CONTINENTAL PE - 100.00 1 UO RM 12/2011

SA SOCIEDAD ADMINISTRADORA DE
FONDOS
87. BBVA ASSET MANAGEMENT S A SOCIEDAD CO - 100.00 1 UO RM 12/2011

FIDUCIARIA
88. BBVA AUTORENTING SPA IT - 100.00 1 UO+ RM 12/2011
89. BBVA BANCOMER GESTION, S.A. DE C.V., MX - 100.00 1 UO RM 12/2011
SOCIEDAD OPERADORA DE SOCIEDADES
DE INVERSI
90. BBVA BANCOMER OPERADORA, S.A. DE MX - 100.00 1 UO RM 12/2011

C.V.
91. BBVA BANCOMER SERVICIOS MX - 100.00 1 UO RM 12/2011
ADMINISTRATIVOS, S.A. DE C.V.
92. BBVA BANCOMER SERVICIOS, S.A., MX - 100.00 1 UO+ RM 12/2011
INSTITUCION DE BANCA MULTIPLE,
GRUPO FINANCIERO BBVA BANCOM
93. BBVA COMERCIALIZADORA LTDA CL - 100.00 1 UO+ RM 12/2011

94. BBVA COMPASS BANCSHARES INC US - 100.00 1 UO+ RM 12/2011
95. BBVA COMPASS CONSULTING & BENEFITS US - 100.00 1 UO+ RM 12/2011
INC
96. BBVA COMPASS INSURANCE AGENCY US - 100.00 1 UO RM 12/2011
97. BBVA COMPASS INVESTMENT SOLUTIONS US - 100.00 1 UO+ RM 12/2011
INC
98. BBVA CONSULTING (BEIJING) LTD CN - 100.00 1 UO+ RM 12/2011
99. BBVA CONSULTORIA SA ES - 100.00 1 UO+ RM 12/2011
100. BBVA CORREDORA TECNICA DE SEGUROS CL - 100.00 1 UO RM 12/2011
BHIF
* : For an insurance company the corresponding value is the Gross Premium Written and for a bank it is the
Operating Income (memo)
55 55
60 60
absorbed Banco
Hipotecario SA
mercio SA and
June 17, 2009,
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IFRS IFRS IFRS IFRS

Audited Unqualified Unqualified Not Audited
31/12/2007 31/12/2006 31/12/2005 31/12/2004
310,882.0 256,565.3 216,850.5 172,083.1

317,999.0 262,373.9 221,994.6 175,593.5
7,117.0 5,808.6 5,144.1 3,510.4
141,451.0 121,282.1 145,040.5 134,041.7
20,997.0 17,049.7 27,470.2 16,944.9
15,814.0 13,379.2 17,175.4 15,222.0
104,297.0 90,557.8 97,636.5 93,771.1
343.0 295.4 2,758.4 8,103.7
452,333.0 377,847.4 361,891.0 306,124.8
5,238.0 4,527.0 4,383.4 3,939.6
44,633.0 29,541.9 26,115.1 19,376.8
502,204.0 411,916.3 392,389.5 329,441.2
310,814.0 257,958.2 256,391.0 221,271.3

199,604.0 173,738.2 161,390.2 133,407.5
38,807.0 29,773.0 52,591.9 48,001.8
72,403.0 54,447.0 42,408.9 39,862.0
133,680.0 101,500.0 84,900.8 65,911.8
19,347.0 15,498.3 16,732.7 16,117.7
1,733.0 1,704.9 2,408.2 1,331.5
112,600.0 84,296.8 65,759.9 48,462.6
21,650.0 21,723.1 21,113.5 16,425.3
n.a. n.a. n.a. n.a.
8,117.0 8,416.6 8,554.1 8,218.7
27,943.0 22,318.4 21,430.1 17,614.1
502,204.0 411,916.3 392,389.5 329,441.2
3,358.0 2,488.7 2,343.8 2,201.6

7,117.0 5,808.6 5,144.1 3,510.4
92,317.0 71,061.2 71,981.8 64,215.0
8,244.0 3,269.3 2,070.0 821.1
172,785.0 145,501.9 119,359.9 88,320.0
4,562.0 4,025.0 n.a. n.a.

11,100.0 9,571.8 9,595.5 8,518.5

31/12/2007 31/12/2006 31/12/2005 31/12/2004
9,769.0 8,374.1 7,207.9 6,159.5
7,909.0 7,023.8 6,076.8 5,113.3
680.0 473.2 518.6 -213.8
44.0 62.1 33.0 1.3
4,723.0 4,334.9 3,940.0 3,413.0

2,462.0 2,153.6 1,585.2 1,912.8
8,016.0 7,065.9 6,460.9 5,678.1
1,902.0 1,476.7 813.1 783.9
735.0 175.0 -418.9 -673.6
8,495.0 7,030.3 5,591.8 4,137.2
2,080.0 2,059.3 1,521.2 1,029.0
6,415.0 4,971.0 4,070.6 3,108.2
17,248.0 14,987.7 13,092.0 11,078.0
1,661.0 1,362.7 1,166.6 1,015.2
10.70 12.00 12.00 12.50

6.80 7.80 7.50 7.90
32,452.0 30,164.0 26,045.0 n.a.
20,659.0 19,574.0 16,279.0 n.a.
1,497.0 707.4 666.5 n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
19,207.0 13,598.7 10,190.5 8,832.3

6,145.0 5,611.5 5,657.1 3,520.1
348.0 379.5 292.5 255.1
25,700.0 19,589.7 16,140.1 12,607.5
11,323.0 7,681.3 6,344.0 4,750.7

4,608.0 3,534.3 2,588.2 1,697.3
15,931.0 11,215.6 8,932.2 6,448.0
9,769.0 8,374.1 7,207.9 6,159.5
680.0 473.2 518.6 -213.8

654.0 598.3 428.6 974.4
44.0 62.1 33.0 1.3
729.0 650.4 486.9 390.6

4,723.0 4,334.9 3,940.0 3,413.0
649.0 494.7 477.0 353.0
7,479.0 6,613.6 5,884.1 4,918.5
4,335.0 3,988.6 3,602.2 3,247.0
3,681.0 3,077.3 2,858.7 2,431.1
8,016.0 7,065.9 6,460.9 5,678.1
430.0 410.2 192.7 194.8

9,662.0 8,332.0 6,823.8 5,594.7
1,902.0 1,476.7 813.1 783.9
0.0 0.0 0.0 0.0
7,760.0 6,855.3 6,010.7 4,810.8
n.a. 28.8 n.a. n.a.

894.0 1,456.5 28.5 308.5
n.a. n.a. n.a. 197.0
n.a. n.a. n.a. n.a.
-159.0 -1,310.3 -447.4 -785.1
8,495.0 7,030.3 5,591.8 4,137.2
2,080.0 2,059.3 1,521.2 1,029.0
n.a. n.a. n.a. n.a.
6,415.0 4,971.0 4,070.6 3,108.2
240.3 352.9 682.7 2,320.1

n.a. n.a. n.a. n.a.
-1,263.2 -426.5 583.1 -188.4
n.a. n.a. 0.0 0.0
5,392.1 4,897.4 5,336.4 5,239.9
289.0 235.0 264.2 185.6
6,126.0 4,736.0 3,806.4 2,922.6
1,661.0 1,362.7 1,166.6 1,015.2

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
121,462.0 103,918.1 82,583.3 70,613.2
165,399.0 115,967.4 99,915.7 67,598.8
31,138.0 42,488.4 39,495.6 37,381.5
7,117.0 5,808.6 5,144.1 3,510.4
310,882.0 256,565.3 216,850.5 172,083.1
317,999.0 262,373.9 221,994.6 175,593.5
3,358.0 2,488.7 2,343.8 2,201.6
n.a. n.a. n.a. n.a.
20,997.0 17,049.7 27,470.2 16,944.9

n.a. n.a. n.a. n.a.
48,739.0 41,496.4 32,170.3 37,147.0
15,814.0 13,379.2 17,175.4 15,222.0
48,432.0 42,266.8 60,033.9 53,003.5
5,584.0 5,905.6 3,959.3 2,221.5
1,542.0 889.0 1,473.0 1,399.1
n.a. n.a. n.a. n.a.
120,111.0 103,937.0 114,811.9 108,993.1
49,007.0 42,529.3 54,466.3 54,016.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
43.0 32.0 235.2 80.3
300.0 263.4 2,523.2 8,023.4
452,333.0 377,847.4 361,891.0 306,124.8
22,581.0 12,515.1 12,341.3 10,123.1

n.a. n.a. n.a. n.a.
457.0 n.a. n.a. n.a.
5,238.0 4,527.0 4,383.4 3,939.6
7,436.0 2,973.4 1,857.8 710.5
808.0 295.9 212.2 110.6
433.0 386.8 254.1 166.0
4,525.0 4,891.4 6,166.6 5,824.7
n.a. n.a. n.a. n.a.
8,393.0 8,479.3 5,283.1 2,441.9
502,204.0 411,916.3 392,389.5 329,441.2
60,660.0 69,054.1 63,689.9 50,365.1

41,944.0 36,096.1 31,999.1 25,609.6
97,000.0 68,588.0 65,701.2 57,432.8
199,604.0 173,738.2 161,390.2 133,407.5
38,807.0 29,773.0 52,591.9 48,001.8
n.a. n.a. n.a. n.a.
72,403.0 54,447.0 42,408.9 39,862.0
310,814.0 257,958.2 256,391.0 221,271.3
96,938.0 70,700.0 56,164.4 39,944.1

11,100.0 9,571.8 9,595.5 8,518.5
n.a. n.a. n.a. n.a.
108,038.0 80,271.8 65,759.9 48,462.6
19,347.0 15,498.3 16,732.7 16,117.7
1,733.0 1,704.9 2,408.2 1,331.5
439,932.0 355,433.2 341,291.8 287,183.1
0.0 0.0 0.0 0.0

n.a. n.a. n.a. n.a.
8,117.0 8,416.6 8,554.1 8,218.7
582.0 622.3 598.3 223.7
2,460.0 1,979.2 1,648.7 1,570.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
9,997.0 10,120.7 10,500.6 8,114.4
8,611.0 9,000.9 8,365.9 6,516.9
469,699.0 385,572.9 370,959.4 311,827.1
4,562.0 4,025.0 n.a. n.a.
0.0 n.a. 4,127.8 3,808.9
24,811.0 18,209.6 13,035.8 10,960.8

880.0 768.1 971.5 737.5
3,546.0 3,355.7 3,002.8 2,320.1
-1,588.0 n.a. n.a. n.a.
294.0 -15.0 292.2 -213.2
27,943.0 22,318.4 17,302.3 13,805.2

502,204.0 411,916.3 392,389.5 329,441.2
16,574.0 n.a. n.a. n.a.
21,136.0 n.a. n.a. n.a.
6.76 5.69 5.04 n.a.

5.54 4.41 4.03 n.a.
6.19 5.38 4.83 n.a.

4.02 3.23 2.79 n.a.
2.35 2.30 2.16 n.a.

1.89 1.89 1.91 n.a.
2.35 2.30 2.16 n.a.
43.36 44.13 44.94 44.40

46.47 47.14 49.35 51.26
1.75 1.78 1.76 n.a.
40.13 46.41 42.99 n.a.
2.11 2.09 1.85 n.a.
19.69 17.72 11.92 14.01
32.23 38.18 37.86 n.a.

1.70 1.72 1.63 n.a.
24.48 29.29 27.20 24.87
3.17 3.30 3.15 3.06
2.55 2.72 2.77 2.63
26.64 27.69 25.64 n.a.

1.40 1.25 1.11 n.a.
22.39 27.28 33.62 n.a.
1.18 1.23 1.45 n.a.
n.a. n.a. n.a. n.a.
2.11 1.97 1.88 1.70

1.77 1.94 2.46 2.87
5.45 n.a. n.a. n.a.

6.95 n.a. n.a. n.a.
3.38 4.28 3.50 3.57
6.80 7.80 7.50 7.90
10.70 12.00 12.00 12.50
n.a. n.a. n.a. n.a.
5.56 5.42 4.41 4.19
25.89 27.41 28.66 32.66
30.80 27.82 21.86 19.37
n.a. n.a. n.a. n.a.

17.01 16.17 16.78 15.16
21.92 4.98 19.11 n.a.

21.20 18.19 26.43 n.a.
1.06 0.95 1.06 1.25
2.24 2.21 2.32 2.00
211.94 233.40 219.48 159.45
-13.45 -14.88 -16.18 -9.48
0.67 0.62 0.40 n.a.

0.53 0.30 0.33 n.a.
1.20 0.95 1.06 1.25
159.31 151.02 137.55 131.62

54.11 57.27 52.23 35.30
47.46 51.11 49.73 49.22
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
61,891.0 41,448.4 29,176.8 21,102.3

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

110,894.0 104,053.5 90,183.1 67,217.7
674,989.0 557,418.2 511,749.4 417,761.2
304,327.0 252,373.0 216,890.0 182,683.0
n.a. n.a. n.a. n.a.
304,327.0 252,373.0 216,890.0 182,683.0
284,329.2 239,184.5 202,016.0 n.a.

415,257.9 363,986.1 334,129.2 n.a.
456,852.8 398,076.2 367,888.4 n.a.
n.a. n.a. n.a. n.a.
396,403.6 346,697.0 319,764.7 n.a.
20,493.2 14,386.7 12,023.2 n.a.
24,077.9 17,954.7 15,874.6 n.a.
204,354.8 174,324.7 157,308.4 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 12,062.6 22,401.8 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
11,100.0 9,571.8 9,595.5 8,518.5
n.a. n.a. n.a. n.a.
6,415.0 4,971.0 4,070.6 3,108.2

n.a. n.a. n.a. n.a.
6,415.0 n.a. n.a. n.a.
27,943.0 22,318.4 17,302.3 13,805.2

0.0 n.a. 4,127.8 3,808.9
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
27,943.0 22,318.4 17,302.3 13,805.2
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0

7,436.0 2,973.4 1,857.8 710.5
808.0 295.9 212.2 110.6
3,125.0 1,639.8 1,645.1 1,289.8
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
16,574.0 n.a. n.a. n.a.

4,562.0 4,025.0 4,127.8 3,808.9
0.0 n.a. n.a. n.a.
21,136.0 n.a. n.a. n.a.
7,103.1 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
19,207.0 13,598.7 10,190.5 8,832.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
11,323.0 7,681.3 6,344.0 4,750.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
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n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
38,392.0 30,470.5 24,503.5 30,396.6
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
9,180.0 9,948.7 6,245.5 5,690.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
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n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
47,572.0 40,419.2 30,749.0 36,087.5
20,205.0 14,456.1 14,775.1 12,581.7
17,131.0 17,773.4 36,196.8 32,455.5

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
11,096.0 10,037.3 9,062.0 7,966.3
n.a. n.a. n.a. n.a.
48,432.0 42,266.8 60,033.9 53,003.5
1,460.0 1,465.7 1,324.1 2,221.5
4,124.0 4,439.9 2,635.2 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,584.0 5,905.6 3,959.3 2,221.5
21,255.0 22,213.3 38,832.0 32,455.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
20,276.0 19,986.0 15,307.5 13,657.2
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
1,497.0 707.4 666.5 n.a.
5,150.0 3,878.3 3,102.5 n.a.

1,967.0 1,930.3 2,041.6 3,510.4
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
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n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
14,607.0 11,319.9 8,319.9 8,344.1
n.a. n.a. n.a. n.a.

10,204.0 6,889.7 4,715.9 2,616.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
880.0 768.1 971.5 737.5
27,063.0 21,550.3 16,330.8 13,067.7
27,943.0 22,318.4 13,035.8 10,960.8
3,546.0 3,355.7 3,002.8 2,320.1
-1,588.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
344.0 n.a. n.a. 0.0
2,302.0 3,355.7 3,002.8 2,320.1
-50.0 16.8 -102.5 -24.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,252.0 3,372.5 2,900.3 2,295.3
n.a. n.a. n.a. n.a.
2,252.0 3,372.5 2,900.3 2,295.3
0.0 n.a. 4,127.8 3,808.9
27,943.0 22,318.4 21,430.1 17,614.1
n.a. 0.0 0.0 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

1,661.0 1,362.7 1,166.6 1,015.2
1,661.0 1,362.7 1,166.6 1,015.2
n.a. n.a. n.a. n.a.
3,125.0 1,639.8 1,645.1 1,289.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,562.0 4,025.0 4,127.8 3,808.9
4,562.0 4,025.0 4,127.8 3,808.9
4,562.0 4,025.0 4,127.8 3,808.9
20,659.0 19,574.0 16,279.0 n.a.

32,452.0 30,164.0 26,045.0 n.a.
6.80 7.80 7.50 7.90
10.70 12.00 12.00 12.50
304,327.0 252,373.0 216,890.0 182,683.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
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n.a. n.a. n.a. n.a.
120,111.0 103,937.0 114,811.9 108,993.1

n.a. n.a. n.a. n.a.
120,111.0 103,937.0 114,811.9 108,993.1
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n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
111,913 98,553 94,681 87,112

8,028 7,585 7,410 6,868
6.80 7.80 7.50 7.90
n.a. n.a. n.a. n.a.
10.70 12.00 12.00 12.50
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.24 2.21 2.32 2.00

19.47 17.63 11.28 12.73
211.94 233.40 219.48 159.45
1.06 0.95 1.06 1.25
0.52 0.29 0.34 n.a.
18.00 10.97 13.65 n.a.
12.02 11.15 10.94 12.50
n.a. n.a. n.a. n.a.
6.80 7.80 7.50 7.90

10.70 12.00 12.00 12.50
5.56 5.42 5.46 5.35
8.99 8.70 9.88 10.24
8.99 8.65 8.36 7.96
6.09 5.94 5.93 5.81
8.68 8.72 7.91 7.93
14.03 14.00 14.31 15.19
14.03 13.92 12.10 11.81
9.51 9.55 8.59 8.62
25.46 26.65 30.93 32.60
2.35 2.26 2.16 2.01

2.14 2.08 2.00 1.87
1.73 1.75 1.68 1.55
2.17 2.12 2.02 1.96
1.70 1.71 1.67 1.46
-0.29 -0.47 -0.54 -0.52
1.40 1.24 1.13 0.94
25.53 22.73 20.85 17.65
25.89 27.41 28.66 32.66
18.92 16.50 14.88 11.88
11.46 3.52 -10.29 -21.67
45.34 45.89 48.63 50.37
2.11 2.07 1.89 1.70
54.11 57.27 52.23 35.30

61.90 62.29 55.26 52.24
100.02 99.46 84.58 77.77
72.50 74.18 65.38 61.75
29.70 27.55 28.08 29.02
21.53 20.55 21.70 23.04
2005
12.28
12.43
11.94
11.36
12.11
12.13
13.22
12.79
13.87
13.99
14.28
14.34
Source Bank information
Op.
Date of Vari- No of
Revenue
info. ation employees
(mil USD)*
12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ö 100.0 452.0
08/2012 ð 120.0 n.a.
09/2011 ð 1.0 n.a.

09/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.

12/2011 ð 11.0 3.0
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð <0,5 n.a.
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.
12/2011 ð 1.0 n.a.

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ö 3,132.0 11,796.0
12/2011 ð 206.0 956.0
08/2012 ð n.a. n.a.
09/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.
12/2011 ð 100.0 n.a.

12/2011 - <0,5 1.0
08/2012 ð n.a. n.a.
09/2011 ð n.a. n.a.
12/2011 ñ 240.0 119.0

03/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ö <0,5 n.a.
03/2012 - n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
07/2012 - n.a. n.a.

12/2011 ð 127.0 n.a.
12/2011 ð n.a. n.a.
12/2011 ð 4.0 86.0
12/2011 - n.a. n.a.

12/2011 ð 31.0 n.a.
12/2011 ö 105.0 n.a.
12/2011 ö 13.0 n.a.
12/2011 ð <0,5 n.a.
12/2011 ñ n.a. n.a.
12/2011 ñ <0,5 n.a.

12/2011 ö n.a. n.a.
12/2011 ñ n.a. n.a.
12/2011 ð 47.0 8,860.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ö n.a. n.a.
12/2011 ð 1.0 1.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð 62.0 n.a.
12/2011 ð n.a. n.a.
12/2011 ð 4.0 n.a.

12/2011 ö 156.0 n.a.
12/2011 ð 4.0 n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ö 203.0 948.0
12/2011 ð 69.0 n.a.

12/2011 ð 8.0 70.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð 7.0 60.0
12/2011 ð 4.0 3.0
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð 169.0 76.0

12/2011 ð 5.0 n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð 5.0 50.0

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð 3.0 16.0
12/2011 ð n.a. n.a.
Bankia, SA
VALENCIA BvD ID number ESA14010342

Contact details
PINTOR SOROLLA 8 Phone number +34 91 - 391 53 80

Fax number +34 91 - 391 53 87
VALENCIA Web Site Address www.bankia.com
SPAIN
Formerly known as Altae Banco Privado

Bank History :
Established in 1897. In 1995, Altae Banco changed its name to Altae Banco Privado. In Avril 2011, Altae Banco Privado changed
its name to Bankia, SAU.
Accounting Standards International Financial Nickname BANKIAC
Types of accounts Cons., Uncons. & Add. Model ALLBANKS
available Uncons.
BvD indep. indicator B+

(02/11/2012) World rank, 2011 79
shareholders
No of recorded 28
subsidiaries
Peer Group
Size 1,148
information.
information.
EIU Rating Date Action/Direction Outlook
Global summary

Original Original
31/12/2011 31/12/2010
12 months 12 months
mil EUR mil EUR
BALANCE SHEET
Assets
Loans 184,093.8 193,753.4
Gross Loans 192,838.7 201,059.9
Derivatives 32,964.6 19,310.3
Total Earning Assets 280,940.4 262,886.5
Fixed Assets 3,143.0 4,334.1
Total Assets 302,846.2 283,152.7

Derivatives 28,904.0 14,555.6
Trading Liabilities n.a. n.a.
Loan Loss Reserves 468.8 295.3
Other Reserves 815.7 2,012.0
Equity 12,493.2 13,704.3
Total Liabilities & Equity 302,846.2 283,152.7
Notes
Intangibles (Memo) 222.1 237.3
Hybrid Capital (Memo) 0.0 0.0

Subordinated Debts (Memo) 325.8 301.0
INCOME STATEMENT
Original Original
31/12/2011 31/12/2010
12 months 12 months
mil EUR mil EUR
Other Operating Income 1,360.4 1,535.0
Net Gains (Losses) on Assets at FV through Income 15.6 57.0
Statement
Net Fees and Commissions 1,061.3 1,216.0
Remaining Operating Income 283.5 262.0
Overheads 2,715.1 2,915.0
Other -2,506.5 556.0
Profit before Tax -4,306.8 359.0
Tax -1,330.1 3.0
Net Income -2,976.7 356.0

Tier 1 Ratio 8.10 7.38
Total Capital 13,237.3 12,875.0
Tier 1 Capital 12,557.8 12,465.0
Net-Charge Offs 342.2 n.a.

Original Original
31/12/2011 31/12/2010
12 months 12 months
mil EUR mil EUR
Income Statement
Interest Income on Loans 5,849.0 n.a.

Dividend Income 31.6 n.a.
Interest Expense on Customer Deposits 2,991.0 n.a.


Net Gains (Losses) on Other Securities 0.0 72.0
Statement
Net Insurance Income -7.5 n.a.
Total Non-Interest Operating Income 1,221.2 1,529.0

Securities and Other Credit Impairment Charges 259.3 335.0
Operating Profit -2,059.6 -532.0

Non-recurring Income 345.1 789.0
Other Non-operating Income and Expenses -2,592.3 102.0
Pre-tax Profit -4,306.8 359.0
Tax expense -1,330.1 3.0
Net Income -2,976.7 356.0
Change in Value of AFS Investments n.a. n.a.

Remaining OCI Gains/(losses) n.a. n.a.
Fitch Comprehensive Income -2,976.7 356.0
Memo: Profit Allocation to Non-controlling Interests n.a. -1.0
Memo: Net Income after Allocation to Non-controlling -2,976.7 357.0
Interests
Balance Sheet
Assets
Loans
Residential Mortgage Loans n.a. n.a.
Other Consumer/ Retail Loans n.a. n.a.
Other Loans 192,838.7 201,059.9
Net Loans 184,093.8 193,753.4
Gross Loans 192,838.7 201,059.9
Reverse Repos and Cash Collateral 9,794.5 490.8
Trading Securities and at FV through Income 1,445.0 869.6
Derivatives 32,964.6 19,310.3
Held to Maturity Securities 10,893.6 9,086.9
At-equity Investments in Associates 2,349.4 4,119.5
Investments in Property n.a. n.a.
Insurance Assets 228.0 232.0
Non-earning Assets
Cash and Due From Banks 6,279.8 6,505.2
Foreclosed Real Estate 5,466.4 3,951.2
Fixed Assets 3,143.0 4,334.1
Goodwill 40.8 42.3
Other Intangibles 181.3 195.0
Deferred Tax Assets 6,249.9 4,261.0
Other Assets 414.3 721.3
Total Assets 302,846.2 283,152.7
Customer Deposits - Savings 27,907.0 28,449.2
Subordinated Borrowing 325.8 301.0
Other Funding n.a. n.a.
Derivatives 28,904.0 14,555.6
Total Funding 285,235.9 263,326.5
Credit impairment reserves 468.8 295.3
Reserves for Pensions and Other 815.7 2,012.0
Deferred Tax Liabilities 1,064.3 852.4
Other Deferred Liabilities n.a. n.a.
Insurance Liabilities 355.9 357.9
Total Liabilities 290,353.0 269,448.4
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as Debt 0.0 0.0
Pref. Shares and Hybrid Capital accounted for as Equity 0.0 0.0
Equity
Common Equity 13,068.4 12,976.2
Non-controlling Interest 128.2 728.1
Securities Revaluation Reserves -527.8 0.0
Foreign Exchange Revaluation Reserves 13.1 n.a.
Fixed Asset Revaluations and Other Accumulated OCI -188.7 n.a.
Total Equity 12,493.2 13,704.3
Total Liabilities and Equity 302,846.2 283,152.7
Memo: Fitch Eligible Capital 11,034.4 12,231.0
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans% 2.96 n.a.
Interest Expense on Customer Deposits/ Average 2.37 n.a.
Customer Deposits%
Interest Income/ Average Earning Assets% 2.83 n.a.
Interest Expense/ Average Interest-bearing Liabilities% 1.84 n.a.
Net Interest Income/ Average Earning Assets% 0.99 n.a.
Net Int. Inc Less Loan Impairment Charges/ Av. Earning -0.17 n.a.
Assets%
Net Interest Inc Less Preferred Stock Dividend/ Average 0.99 n.a.
Earning Assets%
Non-Interest Income/ Gross Revenues% 31.40 32.22
Non-Interest Expense/ Average Assets% 0.94 n.a.
Pre-impairment Op. Profit/ Average Equity% 9.43 n.a.
Pre-impairment Op. Profit/ Average Total Assets% 0.45 n.a.
Loans and securities impairment charges/ Pre- 256.78 128.96
Operating Profit/ Average Equity% -14.78 n.a.
Operating Profit/ Average Total Assets% -0.71 n.a.
Pre-Impairment Operating Profit / Risk Weighted Assets 0.84 1.09
%
Operating Profit / Risk Weighted Assets% -1.32 -0.31
Net Income/ Average Total Equity% -21.36 n.a.
Net Income/ Average Total Assets% -1.03 n.a.
Fitch Comprehensive Income/ Average Total Equity% -21.36 n.a.
Fitch Comprehensive Income/ Average Total Assets% -1.03 n.a.
Net Income/ Av. Total Assets plus Av. Managed n.a. n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% -1.91 0.21
Fitch Comprehensive Income/ Risk Weighted Assets% -1.91 0.21
Capitalization
Fitch Eligible Capital/ Weighted Risks% 7.08 7.24
Cash Dividend Paid & Declared/ Fitch Comprehensive n.a. n.a.
Income%
Net Income - Cash Dividends/ Total Equity% -23.83 2.60
Loan Quality
Growth of Total Assets% 6.96 n.a.
Growth of Gross Loans% -4.09 n.a.
Loan Impairment Charges/ Average Gross Loans% 1.58 n.a.
Net Charge-offs/ Average Gross Loans% 0.17 n.a.
Impaired Loans + Foreclosed Assets/ Gross Loans + 10.28 7.36
Foreclosed Assets%
Funding
Loans/ Customer Deposits% 169.19 174.42
Reference Data
Guarantees 10,373.4 12,054.9
Acceptances and documentary credits reported off- n.a. n.a.
balance sheet
Committed Credit Lines n.a. n.a.
Total Business Volume 344,999.4 332,871.1
Average Loans 197,317.1 n.a.
Average Earning Assets 269,666.4 n.a.
Average Assets 289,812.2 n.a.
Average Interest-Bearing Liabilities 270,244.5 n.a.
Average Common equity 13,741.6 n.a.
Average Equity 13,936.7 n.a.
Average Customer Deposits 126,075.1 n.a.
Maturities
Loans & Advances < 3 months n.a. n.a.
Loans & Advances 3 - 12 Months n.a. n.a.
Loans and Advances 1 - 5 Years n.a. n.a.
Loans & Advances > 5 years n.a. n.a.

Interbank < 3 Months n.a. n.a.

Interbank 3 - 12 Months n.a. n.a.
Interbank > 5 Years n.a. n.a.
Retail Deposits < 3 months n.a. n.a.

Retail Deposits 3 - 12 Months n.a. n.a.
Retail Deposits 1 - 5 Years n.a. n.a.
Retail Deposits > 5 Years n.a. n.a.



Total Subordinated Debt on Balance Sheet 325.8 301.0
Net Income -2,976.7 356.0
Published Net Income -2,976.7 n.a.
Equity 12,493.2 13,704.3
Add: Pref. Shares and Hybrid Capital accounted for as 0.0 0.0
Equity
Published Equity n.a. n.a.

Total Equity as reported (including non-controlling 12,493.2 13,704.3
interests)
Fair value effect incl in own debt/borrowings at fv on the 0.0 0.0
B/S- CC only
Goodwill 40.8 42.3
Other intangibles 181.3 195.0
Deferred tax assets deduction 1,236.7 1,236.0
Fitch Eligible Capital 11,034.4 12,231.0
Total Interest Income on Loans 5,849.0 n.a.
Total Interest Expense on Customer Deposits 2,991.0 n.a.
Total Interest Expense on Other Deposits and ST n.a. n.a.
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a.
breakdown)
Debt Sec. designated at FV through the Income n.a. n.a.
Debt Securities designated at FV through the Income n.a. n.a.
Statement - Governments
Statement - Banks
Statement - Corporates
Statement - Structured
Equity Securities designated at FV through the Income n.a. n.a.
Statement
AFS Assets - Debt Securities (where no issuer n.a. n.a.

breakdown)
AFS Assets - Government 13,767.0 5,026.8
AFS Assets - Banks 5,936.4 3,231.7
AFS Assets - Corporates 4,218.8 3,482.2
AFS Assets - Equities 1,347.0 2,261.4
Total HTM Debt Securities 10,893.6 9,086.9
Total Debt Securities - Government 13,767.0 5,026.8
Total Debt Securities - Banks 5,936.4 3,231.7
Total Debt Securities - Corporates 4,218.8 3,482.2
Total Debt Securities - Equities & Other 1,347.0 2,261.4
Asset Quality Data
Net Charge-offs
Net Charge-offs 342.2 n.a.
Reserves

Nonaccrual Loans n.a. n.a.
Capital
Eligible Capital
Legal Reserves 11,643.0 10,200.0
Retained Earnings 966.5 958.1
Profit/Loss Reserve/Income for the period net of -2,978.7 n.a.
dividends
Valuation Reserves for AFS Securities in OCI Total -527.8 n.a.
Valuation Reserves for FX in OCI 13.1 n.a.
Valuation Reserves in OCI - Other -188.8 n.a.
Total Valuation Reserves in OCI -703.5 n.a.
Other OCI Reserves n.a. n.a.
Total OCI Reserves -703.5 n.a.
Total Other Equity Reserves -703.5 n.a.
Hybrid Securities Reported in Equity 0.0 0.0

Dividend Declared after Year-End n.a. n.a.
Deferred Tax Assets to be Deducted from Core Capital n.a. n.a.
Weighted Total of Fitch Hybrid Capital Classes 0.0 0.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) Govt 0.0 0.0
held Hybrid Capital
Reverse repurchase agreements included in loans and n.a. n.a.
advances to banks

Average Reverse repurchase agreements included in n.a. n.a.
loans
Number of Employees n.a. n.a.

Total Exposure to Central Bank n.a. n.a.
Ratios

31/12/2011 31/12/2010
Assets Quality
NCO / Average Gross Loans 0.17 n.a.
NCO / Net Inc Bef Ln Lss Prov 249.24 n.a.
Capital
Operations
Oth Op Inc / Avg Assets 0.46 0.54
Pre-Tax Op Inc / Avg Assets -0.61 -0.07
Non Op Items & Taxes / Avg Ast -0.40 0.20
Return On Avg Assets (ROAA) -1.02 0.13
Return On Avg Equity (ROAE) -22.73 2.60
Non Op Items / Net Income 84.20 156.18
Liquidity
General information


SEDOL number: B66N1X4
Ticker symbol: BKIA

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Munchen
Boerse Stuttgart
US Exchange
Stock index information: IBEX 35 - SPAIN
IPO date: 7/20/2011
Market price - Year (EUR) 2012 2011
Market price - January 3.47 n.a.

Market price - February 3.04 n.a.
Market price - March 2.72 n.a.
Market price - April 2.59 n.a.
Market price - May 1.04 n.a.
Market price - June 0.92 n.a.
Market price - July 0.80 3.73
Market price - August 1.43 3.75
Market price - September 1.30 3.66
Market price - October 1.16 3.66
Market price - November n.a. 3.72
Market price - December n.a. 3.60

Price trends (%)

BETA


BOLSA DE MADRID)
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 28/06/2012 CIBanco to acquire Finanmadrid Mexico from Bankia (deal no.
1601382496)
2 27/06/2012 Aqualandia completes acquisition of majority stake in Terra
Mítica (deal no. 1601145336)
3 22/06/2012 Bankia completes rights issue (deal no. 1601373801)
4 01/06/2012 Bankia Banca Privada to absorb Arcalia Patrimonios (deal no.
1601375503)
5 31/05/2012 FCC may acquire Bankia's stake in Realia Business (deal no.
1601375014)
6 26/05/2012 Iberdrola may take Bankia's stake in the company (deal no.
1601373459)
7 26/05/2012 Bankia and Banco Financiero y de Ahorros looking to sell stake in
International Consolidated Airlines Group (deal no. 1601373444)
8 19/04/2012 Mutua Madrileña sells its stake in Bankia (deal no. 1601362745)
9 02/04/2012 Bankia preferred shares subscription completed (deal no.

1601342375)
10 25/02/2012 Bankia looking to make acquisitions (deal no. 1601346490)
11 05/02/2012 Mr Juan Abelló sells his stake in Bankia (deal no. 1601345950)
12 15/01/2012 Bankia to merge with Caixabank (deal no. 1601333310)

13 10/11/2011 Bankia finds new buyer for Tasamadrid (deal no. 1601321433)
14 02/11/2011 Mr Juan Abelló and Mr Manuel Jové Capellán invest in Bankia

(deal no. 1601313579)
16 23/09/2011 Competition authorities reject acquisition of TasaMadrid by Tinsa
(deal no. 1601229141)
17 21/09/2011 Bankia may sell stake in Banco de Valencia (deal no.
1601303088)
18 09/09/2011 Banco de Valencia completes sale of Arcalia stake (deal no.
1601283953)
19 08/08/2011 Bankia and La Caixa to create new company for their real estate
assets (deal no. 1601291184)
20 08/08/2011 Bankia and La Caixa to create new company for their real estate
21 02/08/2011 Bankia transfers private banking business to Bankia Banca
Privada (deal no. 1601289885)
22 20/07/2011 Mapfre participated in Bankia IPO (deal no. 1601243155)
23 06/07/2011 Avanza acquires Grupo Biduedo (deal no. 1601406405)
24 28/06/2011 Metrovacesa new shares expected to be submitted to trading
(deal no. 1601272090)
25 20/06/2011 Grupo El Arbol Distribución y Supermercados may acquire
DinoSol Supermercados (deal no. 1601296921)
26 17/05/2011 BFA transfers banking business to Bankia (deal no. 1601260666)
27 12/04/2011 Banco de Sabadell to keep CAM stake in Ribera Salud (deal no.
1601262318)
28 15/03/2011 Bankia appoints IPO advisors (deal no. 1601243155)
29 27/01/2011 Spain ‘planning lottery IPO’ (deal no. 1601241797)
Source : Zephyr
Boards & committees

1. Mr. José Ignacio Goirigolzarri - President of the Board BoD IN
Tellaeche (since 12/06/2012)
P002179463
Management & staff

= also shareholder
1. Mr. Joaquin Ayuso Garcia - Administrator SenMan IN
P129141428 (since 28/06/2012)
2. Mr. Francisco Javier Campo - Administrator SenMan IN
Garcia (since 28/06/2012)
P129680407
3. Mrs. Eva Castillo Sanz - Administrator SenMan IN
P113639614 (since 28/06/2012)
4. Mr. Jorge Cosmen Menendez- - Administrator SenMan IN
Castañedo (since 28/06/2012)
P002552699
5. Mr. Jose Luis Feito Higueruela - Administrator SenMan IN
P042302772 (since 28/06/2012)
6. Mr. Fernando Fernandez Mendez - Administrator SenMan IN
De Andes (since 28/06/2012)
P002668187
7. Mr. Alfredo Lafita Pardo - Administrator SenMan IN
(since 11/07/2012)
7. - Administrator SenMan IN
P002179722 (since 11/07/2012)
8. Mr. Alvaro Rengifo Abbad - Administrator SenMan IN
P043338719 (since 11/07/2012)
9. Mr. Jose Sevilla Alvarez - Administrator SenMan IN
P129680408 (since 28/06/2012)
10. Mr. Miguel Crespo Rodriguez - Secretary of the Board SenMan IN
P068597122 (since 30/08/2010)
11. Mr. Leopoldo Alvear Trenor - Finance Director FinAcc IN
P117536794 (since 18/11/2011)
12. Mr. Juan Chozas - Human Resources Director HR IN
P100865731 (since 15/06/2011)
BvD Independence Indicator: B+

Ownership Source

1. BANCAJA PARTICIPACIONES SL ES 100.00 100.00 1 - WW 06/2011

2. BANKIA HABITAT SL. ES 100.00 100.00 1 - WW 06/2011
3. CAJA SEGOVIA OPERADOR DE BANCA- ES 100.00 100.00 1 - IP 08/2012
SEGUROS VINCULADO SA
4. FINANMADRID SA, E.F.C. ES 100.00 100.00 1 - IP 08/2012
5. FINCAS Y GESTION INMOBILIARIA 26001 ES 100.00 100.00 1 - IP 03/2012
SOCIEDAD LIMITADA.
6. INVERSION EN ALQUILER DE VIVIENDAS ES 100.00 100.00 1 - IP 08/2012
SOCIEDAD LIMITADA.
7. INVERSIONES Y DESARROLLOS 2069 ES 100.00 100.00 1 - IP 08/2012
MADRID SL
8. LAIETANA MEDIACION OPERADOR DE ES 100.00 100.00 1 - IP 08/2012
BANCA SEGUROS VINCULADO SA
9. MADRID LEASING CORPORACION ES 100.00 100.00 1 - IP 08/2012
SOCIEDAD ANONIMA ESTABLECIMIENTO
FINANCIERO DE CREDITO
10. PARKIA CANARIAS SOCIEDAD LIMITADA. ES 100.00 100.00 1 - IP 08/2012

11. PROMOCIONES EL PEDRAZO S.A. ES 100.00 100.00 1 - IP 08/2012
12. PROMOCIONES LLANOS DE MASPALOMAS ES 100.00 100.00 1 - IP 08/2012
S.A.
13. CAJA MADRID CIBELES SA ES 99.99 100.00 1 UO+ WW 06/2011
14. ACCIONARIADO Y GESTION SL ES 99.99 n.a. 1 - IP 03/2012
15. CORPORACION FINANCIERA CAJA DE ES 99.99 n.a. 1 UO+ IP 03/2012
MADRID SA
16. ASEGURADORA VALENCIANA SA SEGUROS ES 50.00 n.a. 1 - IP 08/2012
Y REASEGUROS
17. RIBERA SALUD SA ES 50.00 n.a. 1 - IP 08/2012
18. METROVACESA SA ES 19.07 n.a. 1 - IP 03/2012
19. MARTINSA-FADESA, S.A. ES 8.04 n.a. 1 - IP 03/2012
20. SOCIEDAD CONJUNTA PARA LA EMISION Y ES 7.00 n.a. 1 - IP 08/2012
GESTION DE MEDIOS DE PAGO EFC S.A.
21. CAJA DE SEGUROS REUNIDOS, COMPAÑIA ES 5.47 n.a. 1 - RS 12/2011
DE SEGUROS Y REASEGUROS SA
22. ADE INTERNACIONAL EXCAL, SA ES 2.00 n.a. 1 - IP 03/2012

23. MAN GROUP PLC via its funds GB - 0.41 1 - FS 08/2012
24. SOCIEDAD DE PROMOCION Y ES 0.01 n.a. 1 - IP 08/2012
PARTICIPACION EMPRESARIAL CAJA DE
MADRID SA
25. AGUAS DE PANTICOSA, SA ES - n.a. 1 - IP 03/2012

26. AVIONES CARRAIXET CRJ-200 II AIE ES - n.a. 1 - IP 03/2012
27. AVIONES PORTACOLI CRJ-200 III AIE ES - n.a. 1 - IP 03/2012
28. AVIONES TURIA CRJ-200 I AIE ES - n.a. 1 - IP 03/2012
* : For an insurance company the corresponding value is the Gross Premium Written and for a bank it is the Operating
Income (memo)
3 80
3 87
m
anco Privado changed

pe)
ager for more
ager for more
Watch
Source
N
Source
IN
IN
IN
IN
IN
IN
IN
IN
IN
IN
IN
IN
IN
Op.
Date of Vari- No of
Revenue
(mil USD)*
06/2011 - - -
06/2011 - 104.0 113.0
08/2012 - 6.0 14.0
08/2012 ñ 85.0 209.0

03/2012 - n.a. n.a.
08/2012 - n.a. n.a.
08/2012 - n.a. 1.0
08/2012 - 4.0 4.0
08/2012 - n.a. n.a.
08/2012 - n.a. n.a.

08/2012 - n.a. 1.0
08/2012 - n.a. 1.0
06/2011 - 149.0 50.0

03/2012 - 15.0 1.0
03/2012 ø 89.0 29.0
08/2012 - 509.0 31.0
08/2012 - 253.0 3,500.0

03/2012 ö 321.0 214.0
03/2012 - 239.0 256.0
08/2012 - n.a. n.a.
12/2011 - 3,619.0 3,307.0
03/2012 - 18.0 77.0

08/2012 ð 1,316.0 1,538.0
08/2012 ð - -
03/2012 - 5.0 106.0

03/2012 - 2.0 n.a.
03/2012 - 2.0 n.a.
03/2012 - 2.0 n.a.
the Operating
Caixabank
08028 BARCELONA BvD ID number ESA08663619

The GUO of this controlled subsidiary is CAJA DE AHORROS Y PENSIONES DE BARCELONA-LA CAIXA
Contact details
Av. Diagonal, 621 Phone number +34 934 046000

Fax number +34 934 046723
08028 BARCELONA Web Site Address www.caixabank.com
SPAIN
Formerly known as Criteria

Bank History :
In December 2010, Criteria acquired the banking bussiness of Caja de Ahorros y Pensiones de Barcelona and changed its
name to Caixabank. On August 6, 2012, Caixabank absorbed Banca Cívica SA.
Accounting Standards International Financial Nickname KXABNK
Name of the Auditor Deloitte S.L. Model ALLBANKS
BvD indep. indicator D

(02/11/2012) World rank, 2011 89
shareholders
No of recorded 90
subsidiaries
Specialisation Investment Banks
Peer Group
Peer Group Name Investment Banks Europe (Excl. Eastern Europe)

Size 219
information.
information.
Global summary

Original Proforma
31/12/2011 31/12/201
12 months 12 months0
mil EUR mil EUR
BALANCE SHEET
Assets
Loans 181,939.8 185,221.2
Gross Loans 187,578.0 190,170.3
Derivatives 15,475.9 11,530.2
Fixed Assets 3,027.3 3,468.7
Total Assets 270,424.6 273,017.3

Derivatives 14,631.6 10,650.0
Trading Liabilities 1,817.6 744.4
Loan Loss Reserves 119.8 122.9
Other Reserves 2,687.2 2,775.1
Equity 20,714.5 19,881.9
Notes
Intangibles (Memo) 2,801.6 3,667.2
Off Balance Sheet Items 59,198.8 n.a.

Subordinated Debts (Memo) 444.4 1,941.1
INCOME STATEMENT
Original Proforma
31/12/2011 31/12/201
mil EUR mil EUR
Other Operating Income 3,219.0 2,853.5
Net Gains (Losses) on Trading and Derivatives 94.9 120.5
Net Gains (Losses) on Assets at FV through Income n.a. n.a.
Statement
Remaining Operating Income 1,562.3 1,326.9
Overheads 3,596.2 3,504.4
Other 219.5 190.6
Profit before Tax 1,159.1 1,305.0
Tax 106.4 93.4
Net Income 1,052.7 1,211.6
Dividend Paid 457.2 n.a.

Tier 1 Ratio 12.80 8.92
Total Capital 17,581.0 13,417.1
Tier 1 Capital 17,581.0 13,417.1
Net-Charge Offs 1,322.8 n.a.

Original Proforma
31/12/2011 31/12/201
mil EUR mil EUR
Income Statement
Interest Income on Loans 6,004.1 5,368.5

Interest Expense on Customer Deposits 2,239.9 1,814.0


Net Gains (Losses) on Assets at FV through Income n.a. n.a.
Statement
Net Insurance Income 859.5 710.3
Total Non-Interest Operating Income 2,930.1 2,650.9

Operating Profit 700.7 1,109.6

Other Non-operating Income and Expenses 458.4 195.4
Pre-tax Profit 1,159.1 1,305.0
Tax expense 106.4 93.4
Net Income 1,052.7 1,211.6
Change in Value of AFS Investments -644.1 n.a.

Currency Translation Differences -90.3 n.a.
Remaining OCI Gains/(losses) -241.0 n.a.
Fitch Comprehensive Income 77.3 1,211.6
Memo: Profit Allocation to Non-controlling Interests -0.8 -0.5
Memo: Net Income after Allocation to Non-controlling 1,053.5 1,212.1
Interests
Memo: Common Dividends Relating to the Period 457.2 n.a.
Balance Sheet
Assets
Loans
Other Loans 187,578.0 190,170.3
Net Loans 181,939.8 185,221.2
Gross Loans 187,578.0 190,170.3
Reverse Repos and Cash Collateral 1,173.4 5,377.3
Trading Securities and at FV through Income 1,899.5 1,233.4
Derivatives 15,475.9 11,530.2
At-equity Investments in Associates 7,256.2 6,868.6
Non-earning Assets
Cash and Due From Banks 2,711.9 2,443.4
Foreclosed Real Estate 1,139.7 n.a.
Fixed Assets 3,027.3 3,468.7
Goodwill 2,398.5 2,617.0
Other Intangibles 403.1 1,050.2
Deferred Tax Assets 2,262.4 2,137.4
Discontinued Operations 297.4 686.0
Other Assets 1,103.2 758.1
Total Assets 270,424.6 273,017.3
Customer Deposits - Current n.a. n.a.
Customer Deposits - Savings n.a. n.a.
Subordinated Borrowing 444.4 1,941.1
Other Funding 52,530.4 40,883.2
Derivatives 14,631.6 10,650.0
Trading Liabilities 1,817.6 744.4
Total Funding 213,354.0 217,612.6
Credit impairment reserves 119.8 122.9
Reserves for Pensions and Other 2,687.2 2,775.1
Deferred Tax Liabilities 1,587.0 1,856.1
Insurance Liabilities 21,969.8 19,989.6
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as Equity 1,500.0 n.a.
Equity
Common Equity 19,250.8 18,925.1
Securities Revaluation Reserves 452.4 1,096.5
Foreign Exchange Revaluation Reserves -49.1 41.2
Fixed Asset Revaluations and Other Accumulated OCI -458.5 -217.5
Total Equity 19,214.5 19,881.9
Memo: Fitch Eligible Capital 16,615.9 n.a.
Summary Analytics
Interest Ratios
Customer Deposits%
Net Int. Inc Less Loan Impairment Charges/ Av. Earning 0.52 n.a.
Assets%
Earning Assets%
Loans and securities impairment charges/ Pre-impairment 77.89 65.62
Op. Profit%
Operating Profit/ Average Equity% 3.55 n.a.
Operating Profit/ Average Total Assets% 0.26 n.a.
Pre-Impairment Operating Profit / Risk Weighted Assets% 2.31 2.15
Operating Profit / Risk Weighted Assets% 0.51 0.74

Net Income/ Average Total Equity% 5.33 n.a.
Net Income/ Average Total Assets% 0.39 n.a.
Fitch Comprehensive Income/ Average Total Equity% 0.39 n.a.
Fitch Comprehensive Income/ Average Total Assets% 0.03 n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% 0.77 0.81
Fitch Comprehensive Income/ Risk Weighted Assets% 0.06 0.81
Capitalization
Fitch Eligible Capital/ Weighted Risks% 12.10 n.a.
Cash Dividends Paid & Declared/ Net Income% 43.43 n.a.
Cash Dividend Paid & Declared/ Fitch Comprehensive 591.46 n.a.
Income%
Loan Quality
Growth of Total Assets% -0.95 n.a.
Net Charge-offs/ Average Gross Loans% 0.69 n.a.
Foreclosed Assets%
Funding
Reference Data
Guarantees 9,391.8 n.a.
balance sheet
Other Contingent Liabilities 49,807.0 n.a.
Maturities






Total Subordinated Debt on Balance Sheet 444.4 1,941.1
Net Income 1,052.7 1,211.6
Published Net Income 1,052.7 1,211.6
Equity 19,214.5 19,881.9
Add: Pref. Shares and Hybrid Capital accounted for as 1,500.0 n.a.
Equity
Published Equity n.a. n.a.

interests)
Fair value effect incl in own debt/borrowings at fv on the 0.0 0.0
B/S- CC only
Goodwill 2,398.5 2,617.0
Other intangibles 403.1 1,050.2
Net asset value of insurance subsidiaries 1,297.0 1,022.0
Eligible weighted Hybrid capital 1,500.0 n.a.
Government held Hybrid Capital 0.0 n.a.
Fitch Eligible Capital 16,615.9 n.a.
Total Interest Income on Loans 6,004.1 5,368.5
Total Interest Expense on Customer Deposits 2,239.9 1,814.0
Borrowing
Securities
breakdown)
Statement - Banks
Statement

breakdown)
Asset Quality Data
Net Charge-offs
Gross Charge-offs 1,413.3 n.a.
Recoveries 90.5 n.a.
Net Charge-offs 1,322.8 n.a.
Reserves

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital n.a. n.a.
Legal Reserves n.a. n.a.
Retained Earnings n.a. n.a.
Profit/Loss Reserve/Income for the period net of n.a. n.a.
dividends
Valuation Reserves for AFS Securities in OCI Total n.a. n.a.
Valuation Reserves for FX in OCI n.a. n.a.
Valuation Reserves in OCI - Other n.a. n.a.
Total Valuation Reserves in OCI n.a. n.a.
Other OCI Reserves n.a. n.a.
Total OCI Reserves n.a. n.a.
Total Other Equity Reserves n.a. n.a.
Hybrid Securities Reported in Equity 1,500.0 n.a.

Total Dividends Paid and Declared in Period 457.2 n.a.
Hybrid Capital Fitch Class A 4,937.6 n.a.
Hybrid Capital Fitch Class E 1,500.0 n.a.
Weighted Total of Fitch Hybrid Capital Classes 1,500.0 n.a.
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) Govt 1,500.0 n.a.
held Hybrid Capital
advances to banks

loans
Number of Employees 26,915 n.a.

Number of Branches 5,196 n.a.
Total Exposure to Central Bank n.a. n.a.
Ratios

31/12/2011 31/12/201
Assets Quality 0
NCO / Average Gross Loans 0.70 n.a.
Capital
Tier 1 Ratio 12.80 8.92
Operations
Pre-Tax Op Inc / Avg Assets 0.35 0.41
Non Op Items & Taxes / Avg Ast 0.04 0.04
Dividend Pay-Out 43.43 n.a.
Inc Net Of Dist / Avg Equity 2.93 n.a.
Non Op Items / Net Income 20.85 15.73
Liquidity
General information


SEDOL number: B283W97
Ticker symbol: CABK

Boerse Duesseldorf
Boerse Munchen
Boerse Stuttgart
IPO date: 10/9/2007
Market price - January 3.84 4.90 3.19 2.65 4.28 n.a.

Market price - February 3.54 5.10 3.26 2.16 4.43 n.a.
Market price - May 2.02 4.92 3.40 2.96 4.29 n.a.
Market price - June 2.56 4.72 3.26 3.20 3.70 n.a.
Market price - July 2.66 3.96 3.64 3.28 3.38 n.a.
Market price - August 3.03 3.50 3.60 3.40 3.37 n.a.
Market price - September 2.93 3.32 3.74 3.41 3.27 n.a.
Market price - October 2.92 3.54 3.94 3.22 2.45 5.09

Price trends (%)

BETA


BOLSA DE MADRID)
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 26/10/2012 CaixaBank planning future acquisitions (deal no. 1601415354)
3 27/09/2012 CaixaBank merges Buildingcentre and Gestora Estratégica de
Activos Inmobiliarios (deal no. 1601406750)
4 10/09/2012 CaixaBank considering acquisition of Banco Popular Español
(deal no. 1601403253)
5 06/09/2012 Aegon sells stake in Banca Civica Vida to CaixaBank (deal no.
1601400812)
6 13/08/2012 Banco BPI completes capital increase rights issue transaction
(deal no. 1601385941)
7 03/08/2012 CaixaBank completes Banca Cívica acquisition (deal no.
1601325852)
8 02/07/2012 CaixaBank completes sale of Banco BPI stake to Santoro (deal
no. 1601367773)
9 20/04/2012 Caixabank acquires a minority stake in Banco BPI from Itaú
Unibanco Holding (deal no. 1601363476)
10 31/01/2012 CaixaBank to sell Confederación Española de Cajas de Ahorros to
capital investors (deal no. 1601338980)
11 18/01/2012 Aon Gil y Carvajal Coreeduria de Seguros may acquire the
remaining stake in GDS (deal no. 1601335756)
12 18/01/2012 Aon acquires GDS (deal no. 1601317760)
13 15/01/2012 Bankia to merge with Caixabank (deal no. 1601333310)
14 16/12/2011 CaxiaBank sells remaining stake in Adeslas to CaxiaHolding (deal
no. 1601326013)
15 16/12/2011 Goodgrower acquires majority stake in Adeslas (deal no.
1601272483)
16 15/12/2011 Caixabank to issue convertible bonds (deal no. 1601325878)
17 21/11/2011 CaixaBank completes the acquisition of Bankpime's banking
activities (deal no. 1601305069)
18 26/10/2011 Abertis sells majority stake in Saba to Torreal, ProA Capital and
Caixabank (deal no. 1601274861)
19 13/10/2011 Caixabank increases capital (deal no. 1601310468)
20 13/10/2011 Caixabank increases capital (deal no. 1601310476)
22 14/07/2011 Mutua Madrileña completes acquisition of stake in VidaCaixa
Adeslas from Criteria CaixaCorp (deal no. 1601239014)
24 30/06/2011 Criteria completes restructuring deal (deal no. 1601242144)
25 26/05/2011 La Caixa participates in Servihabitat capital increase (deal no.
1601270114)
26 24/05/2011 Inmobiliaria Carso acquires shares in Criteria (deal no.
1601273182)
27 24/05/2011 Mr Carlos Slim intends to acquire 1 per cent of Criteria (deal no.
1601273194)
28 23/05/2011 Criteria to sell stake in clinic company (deal no. 1601272483)
29 23/05/2011 VidaCaixa to sell Grupo Adeslas to Mutua Madrilena (deal no.
1601254435)
30 12/05/2011 Criteria CaixaCorp to absorb subsidiary (deal no. 1601275333)
31 12/05/2011 Criteria closes subscription period (deal no. 1601242531)

32 10/05/2011 Mr Carlos Slim buys stake in La Caixa (deal no. 1601269401)
33 25/02/2011 Criteria CaixaCorp is to hold rights issue (deal no. 1601251055)
34 04/02/2011 La Caixa to sell minority stake in Criteria CaixaCorp (deal no.

1601244191)
35 28/01/2011 La Caixa to form listed CaixaBank (deal no. 1601242144)
36 27/01/2011 Spain ‘planning lottery IPO’ (deal no. 1601241797)
37 19/01/2011 Repinves to sell Repsol stake to Criteria CaixaCorp and other
38 17/01/2011 Criteria to shed insurance unit (deal no. 1601239014)
39 23/11/2010 Indra Sistemas acquires Inforsistem (deal no. 1601256847)
40 05/07/2010 CVC denies that it is interested in a takeover of Abertis (deal no.
1601234759)
41 07/06/2010 Criteria CaixaCorp acquires Adeslas (deal no. 1601126629)
42 20/05/2010 CaixaCorp may be taking a minority stake in Banco BPI (deal no.
1601190487)
43 23/01/2010 Criteria CaixaCorp may merge with Telco (deal no. 1601154448)
44 23/08/2009 Criteria CaixaCorp increases stake in Erste Group (deal no.

1601084579)
45 23/08/2009 Criteria CaixaCorp may increase Criteria stake (deal no.
1601107093)
46 30/06/2009 Criteria CaixaCorp sells a stake in Telefonica (deal no.
1601097937)
47 22/06/2009 Suez in talks for more of Agbar: report (deal no. 1601088869)
48 20/06/2009 Criteria CaixaCorp withdraws agreement to sell its stake in
Agbar to Suez Environnement (deal no. 1601088869)
49 20/06/2009 Suez Environnement to sells its stake in Adeslas (deal no.
1601088877)
50 04/06/2009 Criteria increases Erste Group stake (deal no. 1601076157)
Source : Zephyr
Boards & committees

= also shareholder
1. Dr. Isidro Fainé Casas - Chairman, Board of Directors BoD VI
P002270876 - Chairman, Executive Committee ExeB VI
2. Mr. Juan María Nin Génova - Deputy Chairman, Board of BoD VI
- Member of the Executive ExeB VI
Committee
- Member of the Audit and Control AudC, OthBC VI
Committee
3. Mr. Javier Godó Muntañola - Director, Board of Directors BoD VI
P002190089
4. Mrs. Isabel Estapé Tous - Director, Board of Directors BoD VI
P002195294 - Member of the Executive ExeB VI
Committee
5. Mr. Salvador Gabarró Serra - Director, Board of Directors BoD VI
P002219655
6. Mrs. Susana Gallardo Torrededia - Director, Board of Directors BoD VI
P002195295 - Chairman, Audit and Control AudC, OthBC VI
Committee
7. Mr. Gonzalo Gortázar Rotaeche - Director, Board of Directors BoD VI
P020014280 - Member, Management OthBC VI
Committee; Shareholder
Advisory Committee Member
8. Mrs. Immaculada Juan Franch - Director, Board of Directors BoD VI
P042160966
9. Mr. Kwok Po, David Li - Director, Board of Directors BoD VI
P006596482
10. Mrs. Dolors Llobet María - Director, Board of Directors BoD VI
P015725581 - Member of the Executive ExeB VI
Committee
11. Mr. Mercader I Miró Jordi - Director, Board of Directors BoD VI
P042170207 - Member, Appointments and RemC, NomC VI
12. Mr. D. Alain Minc - Director, Board of Directors BoD VI
P087271151 - Member of the Audit and Control AudC, OthBC VI
Committee
13. Mr. Miguel Noguer Planas - Director, Board of Directors BoD VI
P039811453
14. Mr. Leopoldo Rodés Castañe - Director, Board of Directors BoD VI
P053332864
15. Mr. Juan Rosell Lastortras - Director, Board of Directors BoD VI
P002195297 - Chairman, Appointments and RemC, NomC VI
16. Mr. Carlos Slim Helú - Director, Board of Directors BoD VI
P071467951
17. Mr. Francesc Xavier Vives - Director, Board of Directors BoD VI
Torrents - Member of the Appointments RemC, NomC VI
P102057621 and Remuneration Committee
18. Mrs. Eva Belenguer - Shareholder Advisory Committee OthBC VI
P115559503 Member
19. Mr. Francisco Bellavista Auladell - Member, Management OthBC VI
20. Mr. Silvestre Bernaus Garcia - Shareholder Advisory Committee OthBC VI
P042204177 Member
21. Mr. Pedro Berruezo - Shareholder Advisory Committee OthBC VI
P115559502 Member
22. Mr. Artur Callau Codorniu - Shareholder Advisory Committee OthBC VI
P002720767 Member
23. Mr. Juan Carlos Carballeda - Shareholder Advisory Committee OthBC VI
P115559501 Member
24. Mr. Miguel Ángel Crespo - Shareholder Advisory Committee OthBC VI
P115559493 Member
25. Mr. Joseph de Marfà - Shareholder Advisory Committee OthBC VI
P115559497 Member
26. Mr. Adolfo Feijóo Rey - Member, Management OthBC VI
27. Mr. Ramón Fuentes - Shareholder Advisory Committee OthBC VI
P115559495 Member
28. Mrs. Almudena Gallo Martínez - Member, Management OthBC VI
29. Mrs. María Jesús García - Shareholder Advisory Committee OthBC VI
P115559504 Member
30. Mr. Jesús García - Shareholder Advisory Committee OthBC VI
P098657184 Member
31. Mr. Antoni Garriga Torres - Member, Management OthBC VI
P114921598 Committee; Shareholder
Advisory Committee Member
32. Mrs. Carmen Gimeno Olmos - Member, Management OthBC VI
33. Mr. Faustino Hermoso - Shareholder Advisory Committee OthBC VI
P115559496 Member
34. Mr. Juan María Hernández - Member, Management OthBC VI
Puértolas Committee
P042911552
35. Mr. Luis Llena - Shareholder Advisory Committee OthBC VI
P132363029 Member
36. Mr. Javier Manrique - Shareholder Advisory Committee OthBC VI
P129627321 Member
37. Mr. Xavier Moragas Freixa - Member, Management OthBC VI
38. Mr. Jordi Morera Conde - Member, Management OthBC VI
39. Mr. Rafael Pérez - Shareholder Advisory Committee OthBC VI
P115559492 Member
40. Mr. Daniel Punseti - Shareholder Advisory Committee OthBC VI
P115559491 Member
41. Mr. Josep Rollant - Shareholder Advisory Committee OthBC VI
P115559500 Member
42. Mrs. Laura Rosell - Shareholder Advisory Committee OthBC VI
P115559490 Member
43. Mr. Juan Ignacio Ureta - Shareholder Advisory Committee OthBC VI
P115559494 Member
44. Mr. Lluís Vendrell Pi - Member, Management OthBC VI
Management & staff

= also shareholder
1. Mr. Gonzalo Gortázar Rotaeche - General Manager SenMan VI
P020014280
2. Mr. Adolfo Feijóo Rey - Deputy Secretary SenMan VI
2.
P042856895
3. Mr. Alejandro García-Bragado - Secretary SenMan VI
Dalmau
P115559506
4. Mr. Francisco Bellavista Auladell - Director of Internal Audit and SenMan, VI
P042161690 Risk Management OthDep
5. Mr. Antoni Garriga Torres - Director of Corporate Officer and SenMan, VI
P114921598 Investor Relations OthDep
6. Mr. Xavier Moragas Freixa - Finance Director FinAcc VI
P041304676
7. Mrs. Carmen Gimeno Olmos - Director of Insurance and FinAcc VI
P042166561 Financial Services Portfolio
8. Mrs. Almudena Gallo Martínez - Director of Human Resources HR, OthDep VI
P115559505 and CSR
9. Mr. Lluís Vendrell Pi - Director of Legal Affairs LegDep VI
P042177218
10. Mr. Jordi Morera Conde - Director of the Banking Oper VI
P043116883 Investment Portfolio
11. Mr. Juan María Hernández - External Communications OthDep VI
Puértolas Director
P042911552
BvD Independence Indicator: D
Ownership Source Bank information

Op.
Coun Direct Total Source Date of No of
Shareholder name Type Revenue
- try (%) (%) ident. info. employees
(mil USD)*
CAJA DE AHORROS Y PENSIONES DE ES B 76.39 n.a. SE 08/2012 7,821.0 28,651
BARCELONA-LA CAIXA (Domestic and Global
UO)
CAIXABANK ES B 8,380.0 26,915
Ownership Source

1. ARIS ROSEN SA ES 100.00 100.00 1 - RM 12/2011

2. BUILDINGCENTER SA ES 100.00 100.00 1 - RM 12/2011
3. CAIXA CAPITAL MICRO SCR DE REGIMEN ES 100.00 100.00 1 - RM 12/2011
SIMPLIFICADO SA
4. CAIXA CAPITAL SEMILLA SCR DE REGIMEN ES 100.00 100.00 1 - RM 12/2011
SIMPLIFICADO SA
5. CAIXA EMPRENDEDOR XXI SA ES 100.00 100.00 1 - RM 12/2011
6. CAIXA GIRONA GESTIO SA. ES 100.00 100.00 1 - RM 12/2011
7. CAIXA GIRONA PENSIONS SA. ES 100.00 100.00 1 - RM 12/2011
8. CAIXA PREFERENCE SA ES 100.00 100.00 1 - RM 12/2011
9. CAIXARENTING SA ES 100.00 100.00 1 - RM 12/2011
10. CENTRO MEDICO DE ZAMORA SA ES 100.00 100.00 1 - RM 12/2011
11. CORPORACIÓN HIPOTECARIA MUTUAL SA, ES 100.00 100.00 1 - RM 12/2011
E.F.C.
12. E-LA CAIXA 1 S.A. ES 100.00 100.00 1 - RM 12/2011
13. ESTUGEST S.A. ES 100.00 100.00 1 - IP 08/2012
14. FINCONSUM ESTABLECIMIENTO ES 100.00 100.00 1 - IP 08/2012
FINANCIERO DE CREDITO SA
15. GDS CUSA SA ES 100.00 100.00 1 - RM 12/2011
16. GENERAL DE INVERSIONES TORMES SA ES 100.00 100.00 1 - IP 03/2012
17. HIPOTECAIXA 2 SL ES 100.00 100.00 1 - RM 12/2011
18. HIPOTECAIXA 2 SL. ES 100.00 100.00 1 - IP 03/2012
19. HOLRET SA ES 100.00 100.00 1 - RM 12/2011
20. INVERCAIXA GESTION SOCIEDAD ES 100.00 100.00 1 - RM 12/2011
GESTORA DE INSTITUCIONES DE
INVERSION COLECTIVA SA
21. LIMPIEZA Y MANTENIMIENTO ES 100.00 100.00 1 - RM 12/2011

HOSPITALARIOS SL
22. MORGAN STANLEY WEALTH MANAGEMENT ES 100.00 100.00 1 - OS 03/2008
SV
23. NUEVO MICRO BANK SA. ES 100.00 100.00 1 - RM 12/2011
24. SILK APLICACIONES SL ES 100.00 100.00 1 - RM 12/2011
25. SILK APLICACIONES SL. ES 100.00 100.00 1 - IP 03/2012
26. SUMINISTROS URBANOS Y ES 100.00 100.00 1 - RM 12/2011
MANTENIMIENTOS SA
27. TRADE CAIXA I SA ES 100.00 100.00 1 - RM 12/2011
28. VALORACIONES Y TASACIONES ES 100.00 100.00 1 - IP 08/2012
HIPOTECARIAS SA
29. VIDACAIXA GRUPO SAU ES 100.00 100.00 1 - RM 12/2011
30. WEB GESTION 2 SA ES 100.00 100.00 1 - IP 08/2012
31. CAIXA CAPITAL RISC S G E C R SA ES 99.99 100.00 1 - RM 12/2011
32. AGENCAIXA SOCIEDAD ANONIMA ES - 100.00 1 - RM 12/2011
AGENCIA DE SEGUROS
33. BANKPIME SA ES - 100.00 1 - RM 12/2011
34. CAIXA CORP SA ES - 100.00 1 - RM 12/2011
35. HODEFI FR - 100.00 1 - RM 12/2011
36. RECOUVREMENTS DULUD FR - 100.00 1 - RM 12/2011
37. SILC IMMOBLES SA ES - 100.00 1 - RM 12/2011
38. SODEMI SAS FR - 100.00 1 - RM 12/2011
39. VIDA-CAIXA SA DE SEGUROS Y ES - 100.00 1 - RM 12/2011
REASEGUROS
40. VIDACAIXA MEDIACION SOCIEDAD DE ES - 100.00 1 - RM 12/2011
AGENCIA DE SEGUROS VINCULADA SA
41. SERVICIO DE PREVENCION ES 83.33 91.67 1 - RM 12/2011
MANCOMUNADO DEL GRUPO LA CA
42. GESTICAIXA SOCIEDAD GESTORA DE ES 91.00 n.a. 1 - IP 08/2012
FONDOS DE TITULIZACION SA
43. CAIXA CAPITAL BIOMED SCR DE REGIMEN ES 90.91 n.a. 1 - RM 12/2011
SIMPLIFICADO SA
44. CAIXA CAPITAL TIC, SCR DE REGIMEN ES 80.64 n.a. 1 - RM 12/2011
SIMPLIFICADO SA.
45. TENEDORA DE VEHICULOS SA ES - 65.00 1 - RM 12/2011
46. INVERSIONES INMOBILIARIAS OASIS ES 60.00 n.a. 1 - RM 12/2011
RESORT SOCIEDAD LIMITADA
47. INVERSIONES INMOBILIARIAS TEGUISE ES 60.00 n.a. 1 - RM 12/2011
RESORT SOCIEDAD LIMITADA
48. PORT AVENTURA ENTERTAINMENT ES 50.00 n.a. 1 - IP 08/2012
SOCIEDAD ANONIMA
49. SOTELTUR INTERNACIONAL BV NL 50.00 n.a. 1 - IP 08/2012
50. VIDACAIXA ADESLAS SA DE SEGUROS Y ES - 49.92 1 - RM 12/2011
REASEGUROS
51. COMERCIA GLOBAL PAYMENTS, ENTIDAD ES 49.00 n.a. 1 - RM 12/2011
DE PAGO SL.
52. IT NOW SA. ES 49.00 n.a. 1 - IP 08/2012
53. BANCO BPI SA PT 48.97 n.a. 1 - OS 04/2012
54. POLIGON INDUSTRIAL GIRONA SA ES 38.98 n.a. 1 - RM 12/2011
55. GIRONA, SA ES 34.22 n.a. 1 - RM 12/2011
56. EDICIONS 62, SA ES 30.13 n.a. 1 - RM 12/2011
57. BANCO PORTUGUES DO INVESTIMENTO PT 30.10 n.a. 1 - IP 09/2011
SGPS SA
58. CEMENTIRI DE GIRONA SA ES 30.00 n.a. 1 - RM 12/2011
59. HISUSA HOLDING DE INFRAESTRUCTURAS ES 24.26 n.a. 1 - IP 09/2011
Y SERVICIOS URBANOS SA
60. BOURSORAMA FR 1.33 20.73 1 - RM 12/2011

61. GDS RISK SOLUTIONS CORREDURIA DE ES 20.00 n.a. 1 - IP 08/2012
SEGUROS SL.
62. GRUPO FINANCIERO INBURSA MX 20.00 n.a. 1 - IP 08/2012
63. TELEFONICA FACTORING DO BRASIL LTDA BR 20.00 n.a. 1 - RM 12/2011
64. TELEFONICA FACTORING EFC SA ES 20.00 n.a. 1 - RM 12/2011

65. BANK OF EAST ASIA LTD HK 17.10 n.a. 1 - SE 03/2012
66. REPSOL S.A. ES 12.82 n.a. 1 - RM 12/2011
67. ACA, SA, SOCIEDAD DE VALORES ES 12.50 n.a. 1 - IP 08/2012
68. INVERCAT EXTERIOR FCR. ES 12.50 n.a. 1 - IP 08/2012
69. ERSTE GROUP BANK AG AT 10.10 n.a. 1 - IP 08/2012
70. DAS PHOTONICS SL ES 10.01 n.a. 1 - IP 08/2012
71. TELEFONICA SA ES 5.67 n.a. 1 - IP 08/2012
72. ADVEO GROUP INTERNATIONAL, S.A. ES 5.07 n.a. 1 - SE 08/2012
73. BOLSAS Y MERCADOS ESPANOLES ES 5.01 n.a. 1 - IP 08/2012
SOCIEDAD HOLDING DE MERCADOS Y
SISTEMAS FINANCIEROS SA
74. 4-D NEUROIMAGING US 4.53 n.a. 1 - IP 08/2012

75. PROEIXAMPLE, SA ES 3.84 n.a. 1 - IP 08/2012
76. BANCO ITAU UNIBANCO SA BR 3.12 n.a. 1 - IP 08/2012
77. DIRECTO INC US 1.30 n.a. 1 - IP 08/2012
78. AGEAS SA/NV BE 0.85 n.a. 1 - IP 09/2011
79. ABERTIS INFRAESTRUCTURAS, S.A. ES NG n.a. 1 - RS 12/2011
80. AVIONES ALFAMBRA CRJ-900 AIE ES - n.a. 1 - IP 03/2012
81. AVIONES GORGOS CRJ-900 AIE ES - n.a. 1 - IP 03/2012
82. AVIONES SELLA CRJ-900 AIE ES - n.a. 1 - IP 03/2012
83. BANCO COMERCIAL PORTUGUÊS, SA- PT - n.a. 1 - IP 08/2012
MILLENNIUM BCP
84. CAIXA CAPITAL BIOMED SCR DE REGIMEN ES - n.a. 1 - IP 08/2012
SIMPLIFICADO SA.
85. FOMENT DE CIUTAT VELLA SA ES - n.a. 1 - IP 08/2012
86. FONCAIXA 11 RENTA FIJA CORTO EURO FI ES - n.a. 1 - IP 03/2012
87. FONCAIXA PATRIMONIO 16 FI ES - n.a. 1 - IP 09/2011

88. RA PARQUE SOLAR AIE ES - n.a. 1 - IP 03/2012
89. SERVIHABITAT XXI SA ES - n.a. 1 - IP 08/2012
90. TELEFONICA FACTORING ESPAÑA SA ES - n.a. 1 - IP 09/2011
AIXA
00
23
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and changed its
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nager for more
nager for more
Watch
Bank information
No of
employees
28,651
26,915
Bank information
Op.
Vari- No of
Revenue
ation employees
Vari-
ation employees
(mil USD)*
ð 3.0 n.a.
ð 65.0 1.0
ð n.a. n.a.
ð n.a. n.a.
ð <0,5 2.0
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð 71.0 120.0
- 3.0 3.0
ð n.a. n.a.
ð n.a. n.a.
ð 4.0 15.0
ð n.a. n.a.
ð 24.0 140.0
- n.a. n.a.
- n.a. n.a.
- n.a. n.a.
ð 2.0 n.a.
ð n.a. n.a.
- 1.0 30.0
- n.a. n.a.
ð n.a. n.a.
- n.a. n.a.
- n.a. n.a.
ö 23.0 143.0
ð 2.0 15.0
ð 9.0 25.0
ð 7,966.0 864.0
ð n.a. n.a.
ð n.a. n.a.
ö 34.0 315.0
- n.a. n.a.
ð n.a. n.a.
ð 10.0 427.0
ð 1.0 n.a.
ð n.a. 2.0
- n.a. n.a.
ð 5,038.0 107.0
ð <0,5 3.0
- n.a. n.a.
ø n.a. n.a.
- n.a. n.a.
ð n.a. n.a.
ð 3.0 n.a.
ð 3.0 n.a.
ð 3.0 n.a.
ð 232.0 2,243.0
ð n.a. 1.0
ö 1,475.0 913.0
ð n.a. n.a.
ò 168.0 91.0
ö 1,333.0 9,494.0
ð n.a. n.a.
ð 2.0 7.0
ð 51.0 64.0
ð n.a. n.a.
ð <0,5 n.a.
ð 88.0 n.a.
ø 283.0 803.0
ø 6.0 39.0
ð 1,136.0 n.a.
ð n.a. 7.0
ð n.a. n.a.
ø 1,640.0 12,238.0
ð 80,873.0 46,575.0
- n.a. n.a.
ð n.a. n.a.
ö 8,866.0 50,452.0
ð 2.0 40.0
ö 84,031.0 291,027.0
- 1,110.0 1,994.0
ð 413.0 706.0
ð 5.0 31.0
ö 7.0 16.0
ð 27,863.0 n.a.
- n.a. n.a.
ð 2,227.0 40.0
ø 5,390.0 11,556.0
- 2.0 n.a.
- 2.0 n.a.
- 2.0 n.a.
ð 3,328.0 21,508.0
ò n.a. n.a.
ð 6.0 30.0
- <0,5 n.a.
- n.a. n.a.
- 23.0 n.a.
ò 771.0 112.0
- 29.0 14.0
Liberbank SA
28014 MADRID BvD ID number ESA86201993

Status Active
The GUO of this controlled subsidiary is CAJA DE AHORROS DE ASTURIAS - CAJASTUR
Contact details
Carrera de San Jerónimo 19
28014 MADRID
SPAIN
Formerly known as Effibank SA

Bank History :
In June 2011, Effibank SA was created by Caja de Ahorros de Asturias - Cajastur, Caja de Ahorros de Santander y
Cantabria - Caja Cantabria and Caja de Ahorros y Monte de Piedad de Extremadura. In September 2011, Effibank SA
changed its name to Liberbank SA.
Accounting Standards International Financial Nickname EFFIBANK

No of recorded 3
subsidiaries
Specialisation Savings Bank
Peer Group
Peer Group Name Savings Banks Europe (Excl. Eastern Europe)

Size 1,133
information.
information.
Global summary

Unqualified Not Audited Not Audited Not Audited
Original Proforma Proforma Original
31/12/2011 31/12/2010 31/12/200 31/12/2008
12 months 12 months 12 months9 12 months
BALANCE SHEET
Assets
Loans 36,746.1 39,819.6 24,550.8 24,862.5
Gross Loans 39,777.0 42,673.0 25,278.0 25,428.8
Loans and Advances to Banks 768.2 659.3 438.5 776.6
Derivatives 119.5 518.0 168.9 175.9
Fixed Assets 773.0 923.3 713.7 720.2
Total Assets 50,846.8 53,240.6 33,761.8 33,651.3

Other Deposits and Short-term Borrowings 304.9 899.6 1,574.4 2,178.8
Derivatives 93.3 123.8 55.3 67.5
Trading Liabilities 439.1 425.8 0.0 0.0
Other (Non-Interest bearing) 1,129.7 1,084.0 862.4 706.1
Other Reserves 317.3 316.8 68.5 87.0
Equity 2,923.7 2,839.6 2,880.0 2,617.1
Notes
Impaired Loans (Memo) 6,262.7 4,648.2 984.4 690.5
Liquid Assets (Memo) 1,331.9 797.4 1,089.8 1,443.4

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/200 31/12/2008
12 months 12 months 9
12 months 12 months
Net Gains (Losses) on Trading and Derivatives 12.6 37.0 12.3 -20.6
Net Gains (Losses) on Assets at FV through Income -0.4 -6.2 -0.1 0.5
Statement
Overheads 785.9 717.0 421.2 425.7
Other 119.5 123.2 63.0 69.2
Profit before Tax 294.3 278.4 286.5 354.0
Tax -16.8 9.5 31.8 64.3
Net Income 311.1 268.9 254.7 289.7
Operating Income (Memo) 953.2 1,187.1 917.8 847.9
Dividend Paid n.a. n.a. n.a. n.a.

Tier 1 Ratio 10.47 8.85 10.60 8.81
Total Capital 3,504.3 3,580.9 3,267.3 2,905.9
Tier 1 Capital 2,890.6 2,831.2 2,453.5 2,170.2
Net-Charge Offs 590.6 147.6 65.3 25.2

31/12/2011 31/12/2010 31/12/200 31/12/2008
Income Statement

Total Interest Expense 953.7 795.9 556.9 935.6
Net Gains (Losses) on Other Securities 29.3 43.7 2.7 9.2
Net Gains (Losses) on Assets at FV through Income -0.4 -6.2 -0.1 0.5
Statement

Securities and Other Credit Impairment Charges 57.0 16.8 -4.2 15.0
Operating Profit 117.8 138.4 227.7 269.8
Equity-accounted Profit/ Loss - Non-operating 0.0 0.0 0.0 0.0

Non-recurring Income 179.0 167.0 126.4 91.4
Change in Fair Value of Own Debt 0.0 0.0 0.0 0.0
Other Non-operating Income and Expenses 164.7 23.7 -57.1 -6.7
Pre-tax Profit 294.3 278.4 286.5 354.0
Tax expense -16.8 9.5 31.8 64.3
Profit/Loss from Discontinued Operations 0.0 0.0 0.0 0.0
Net Income 311.1 268.9 254.7 289.7
Change in Value of AFS Investments -163.1 n.a. n.a. n.a.

Currency Translation Differences -0.1 n.a. n.a. n.a.
Remaining OCI Gains/(losses) 56.4 n.a. n.a. n.a.
Fitch Comprehensive Income 204.3 268.9 254.7 289.7
Memo: Profit Allocation to Non-controlling Interests 2.6 n.a. n.a. n.a.
Memo: Net Income after Allocation to Non- 308.5 268.9 254.7 289.7
Memo: Common Dividends Relating to the Period n.a. n.a. n.a. n.a.
Balance Sheet
Assets
Loans
Other Loans 39,777.0 42,673.0 25,278.0 25,428.8
Net Loans 36,746.1 39,819.6 24,550.8 24,862.5
Gross Loans 39,777.0 42,673.0 25,278.0 25,428.8
Memo: Impaired Loans included above 6,262.7 4,648.2 984.4 690.5
Memo: Loans at Fair Value included above 0.0 0.0 0.0 0.0
Reverse Repos and Cash Collateral 90.5 67.9 0.0 0.0
Derivatives 119.5 518.0 168.9 175.9
Memo: Government Securities included Above 2,352.1 1,602.2 1,020.4 874.7
Non-earning Assets
Cash and Due From Banks 530.0 635.0 604.3 576.5
Memo: Mandatory Reserves included above n.a. 552.8 n.a. n.a.
Foreclosed Real Estate 1,473.0 577.9 372.3 230.0
Fixed Assets 773.0 923.3 713.7 720.2
Goodwill 67.2 68.6 41.4 40.4
Deferred Tax Assets 1,044.7 971.3 222.4 174.4
Other Assets 239.8 276.9 74.1 35.7
Total Assets 50,846.8 53,240.6 33,761.8 33,651.3
Deposits from Banks 405.6 836.8 353.1 368.4
Funding
Other Funding 12,785.7 11,827.6 6,441.9 6,261.0
Derivatives 93.3 123.8 55.3 67.5
Total Funding 46,129.4 48,645.6 29,749.7 30,100.2
Fair Value Portion of Debt 0.0 0.0 0.0 0.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 2,832.1 2,631.1 2,523.3 2,321.3
Securities Revaluation Reserves -101.0 0.0 371.5 318.3
Foreign Exchange Revaluation Reserves 0.0 0.0 -23.0 -28.7
Fixed Asset Revaluations and Other Accumulated 0.0 0.0 0.5 -0.2
OCI
Total Equity 2,923.7 2,839.6 2,880.0 2,617.1
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Net Income/ Av. Total Assets plus Av. Managed 0.59 0.57 0.75 0.90
Securitized Assets%
Fitch Comprehensive Income/ Risk Weighted Assets 0.74 0.84 1.10 1.18
%
Capitalization
Core Tier 1 Regulatory Capital Ratio% 10.14 8.30 9.87 8.34
Cash Dividends Paid & Declared/ Net Income% n.a. n.a. n.a. n.a.
Cash Dividend Paid & Declared/ Fitch n.a. n.a. n.a. n.a.
Loan Quality
Growth of Gross Loans% -6.17 67.70 -0.59 5.54
%
Foreclosed Assets%
Funding
Reference Data
Managed Securitized Assets Reported Off-Balance 199.2 307.7 79.3 89.9
Sheet
Other off-balance sheet exposure to securitizations 0.0 0.0 0.0 0.0
Guarantees 1,228.6 231.8 942.3 1,198.8

balance sheet
Other Contingent Liabilities 1,764.6 2,083.2 241.9 290.7
Average Loans 41,473.7 36,965.2 25,353.4 24,761.4
Average Assets 52,067.8 47,059.2 33,706.6 32,318.8
Average Managed Assets Securitized Assets (OBS) 262.7 235.6 84.6 45.0
Average Equity 2,941.4 2,982.4 2,748.6 2,848.0
Maturities
Loans & Advances < 3 months 8,418.5 n.a. n.a. n.a.
Loans & Advances 3 - 12 Months 130.1 n.a. n.a. n.a.
Loans and Advances 1 - 5 Years 553.1 n.a. n.a. n.a.
Loans & Advances > 5 years 619.5 n.a. n.a. n.a.

Interbank < 3 Months 530.0 n.a. n.a. n.a.




Net Income 311.1 268.9 254.7 289.7
Published Net Income 311.1 268.9 254.7 289.7
Equity 2,923.7 2,839.6 2,880.0 2,617.1
Add: Pref. Shares and Hybrid Capital accounted for 0.0 0.0 0.0 0.0
as Equity

interests)
on the B/S- CC only
Goodwill 67.2 68.6 41.4 40.4
securitizations

Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 3,098.6 4,163.0 3,872.8 3,608.8

Asset Quality Data

Net Charge-offs
Recoveries 110.4 14.5 1.3 1.5
Net Charge-offs 590.6 147.6 65.3 25.2
Reserves
Individual/Specific Loan Impairment Reserves 2,903.6 2,816.7 484.7 250.0
+90 Days past due 6,262.7 n.a. n.a. n.a.

Restructured Loans 296.8 n.a. n.a. n.a.
Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 2,521.4 n.a. n.a. n.a.

Retained Earnings n.a. n.a. n.a. n.a.
Profit/Loss Reserve/Income for the period net of 308.5 n.a. n.a. n.a.
dividends
Valuation Reserves for AFS Securities in OCI Total -101.0 n.a. n.a. n.a.
Valuation Reserves for FX in OCI 0.0 n.a. n.a. n.a.
Total Valuation Reserves in OCI -101.0 n.a. n.a. n.a.
Cash Flow Hedge Reserve -0.7 n.a. n.a. n.a.
Total OCI Reserves -98.7 n.a. n.a. n.a.
Total Other Equity Reserves -98.7 n.a. n.a. n.a.
Hybrid Securities Reported in Equity 0.0 0.0 0.0 0.0
Interests
Non-controlling Minority Interest - not loss- 0.0 0.0 n.a. n.a.
absorbing
Component of Convertible Bond Reported in Equity 0.0 0.0 n.a. n.a.

Total Dividends Paid and Declared in Period n.a. n.a. n.a. n.a.
Share Repurchase 0.0 0.0 0.0 n.a.
Capital
Embedded Value 0.0 0.0 0.0 0.0
Regulatory Capital
II
II
Capital
Reverse repurchase agreements included in loans n.a. 281.4 n.a. n.a.
Reverse repurchase agreements included in loans 0.0 0.0 n.a. n.a.
Reverse repurchase agreements in assets - other 90.5 67.9 n.a. n.a.
Cash collateral on securities borrowed 0.0 0.0 n.a. n.a.
Repurchase agreements included in customer 0.0 0.0 n.a. n.a.
deposits
Repurchase agreements included in deposits from 0.0 0.0 n.a. n.a.
banks
Repurchase agreements included in liabilities - other 1,134.3 1,542.6 n.a. n.a.
Cash collateral on securities lent 0.0 0.0 n.a. n.a.

Average Reverse repurchase agreements included in n.a. 281.4 n.a. n.a.
loans

Number of Branches n.a. 1,342 781 770
Deposits of Governments and Municipalities 896.0 n.a. n.a. n.a.
Total Exposure to Central Bank 329.1 n.a. n.a. n.a.
Related Party Loans 120.0 n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/200 31/12/2008
Assets Quality 9
Capital
Tier 1 Ratio 10.47 8.85 10.60 8.81
Equity / Net Loans 7.96 7.13 11.73 10.53
Operations
Non Op Items & Taxes / Avg Ast 0.26 0.26 0.09 0.02
Dividend Pay-Out n.a. n.a. n.a. n.a.
Inc Net Of Dist / Avg Equity n.a. n.a. n.a. n.a.
Non Op Items / Net Income 38.41 45.82 24.74 23.89
Liquidity
Interbank Ratio 49.89 27.71 30.43 36.08
Date News
1 11/10/2012 Liberbank receives shareholder approval for planned IPO (deal
no. 1601411602)
2 11/10/2012 Liberbank looking to carry out convertible bond transaction:
shareholder approval granted (deal no. 1601411795)
3 21/05/2012 Liberbank sells its stake in Amper (deal no. 1601371714)
4 02/05/2012 Ibercaja pulls out of Liberbank/Cajatres merger (deal no.
1601366478)
5 21/03/2012 Liberbank sells half of Liberbank Vida y Pensiones Seguros y
Reaseguros to Aegon (deal no. 1601354680)
6 29/02/2012 Ibercaja may now merge with Cajatres and Liberbank as oppose
to acquisition deal: Liberbank's board approves transaction (deal
no. 1601315289)
7 06/10/2011 Liberbank may acquire Banco Caixa Geral (deal no.

1601306773)
8 11/08/2011 Caja Cantabaria, Cajastur amd Caja Extremadura integrate
assets into Effibank (deal no. 1601274681)
9 10/08/2011 IPO for Effibank? (deal no. 1601291675)
10 10/08/2011 Liberbank considering listing (deal no. 1601291675)
11 10/08/2011 Effibank looking to sell to privatre investors (deal no.
1601291676)
12 31/05/2011 Banco Effibank formed from 3 caja merger (deal no.
1601263071)
Source : Zephyr
Boards & committees

1. Mr. Manuel Menéndez Menéndez - President of the Board BoD IN, VI
P039818272 (since 26/05/2011)
2. Mr. Enrique Manuel Ambrosio - Vice - president of the Board BoD IN
Oraizola (since 26/05/2011)
P042165540
3. Mr. Victor Manuel Bravo Cañadas - Vice - president of the Board BoD IN
(since 26/05/2011)
P015726528
Management & staff

1. Mr. Miguel Angel Barra Quesada - Administrator SenMan IN
P042165986 (since 25/05/2011)
2. Mr. Jorge Delclaux Bravo - Administrator SenMan IN
P041322947 (since 10/02/2012)
3. Mr. Felipe Fernandez Fernandez - Administrator SenMan IN
P039819169 (since 25/05/2011)
4. Mr. Luis Garicano Gabilondo - Administrator SenMan IN
P121277728 (since 14/02/2012)
5. Mr. Agustín Iglesias Caunedo - Administrator SenMan IN
P042164010 (since 10/02/2012)
6. Mrs. Sara Marston Davida - Administrator SenMan IN
P121277729 (since 14/02/2012)
7. Mr. Santiago Ramon Martinez - Administrator SenMan IN
Arguelles (since 10/02/2012)
P043039666
8. Mr. Pedro Manuel Rivero Torre - Administrator SenMan IN
P042228448 (since 10/02/2012)
9. Mr. Victor Roza Fresno - Administrator SenMan IN
P039870219 (since 25/05/2011)
10. Mr. Jesús Ruano - Administrator SenMan IN
(since 25/05/2011)
P042170927 (since 25/05/2011)
- Finance Director FinAcc IN
(since 10/09/2011)

Op.
- try (%) (%) ident. info. (mil employees
USD)*
CAJA DE AHORROS DE ASTURIAS - ES B 66.00 n.a. OS 05/2011 577.0 1,984
CAJASTUR (Domestic and Global UO)
LIBERBANK SA ES B 1,233.0 6,230
Ownership Source
Coun Direct Total Level Source Date of Vari-

- try (%) (%) of own. ident. info. ation
1. BANCANTABRIA INVERSIONES SOCIEDAD ES 100.00 100.00 1 - IP 08/2012 -

ANONIMA ESTABLECIMIENTO
FINANCIERO DE CREDITO
2. BRIAREO GESTION SA ES 100.00 100.00 1 - IP 08/2012 -

3. CAJASTUR VIDA Y PENSIONES, SEGUROS ES 100.00 100.00 1 - IP 03/2012 -
Y REASEGUROS SA
4. CANTABRIA FONDOS SOCIEDAD ANONIMA ES 100.00 100.00 1 - IP 08/2012 -
SOCIEDAD GESTORA DE INSTITUCIONES
DE INVERSION COLECTIVA
5. LIBERBANK VIDA Y PENSIONES SEGUROS ES 50.00 n.a. 1 - OS 03/2012 -

Y REASEGUROS SA
6. FABRICA DE INFORMACION Y ES 25.00 n.a. 1 - IP 08/2012 -
TELECOMUNICACIONES DE EXTREMADURA
SA
7. CAJA DE SEGUROS REUNIDOS, COMPAÑIA ES 9.88 n.a. 1 - RS 12/2011 -
8. GRUPO EMPRESARIAL SAN JOSE S.A. ES - 5.55 1 - SE 02/2012 -

9. INDRA SISTEMAS SA ES - 5.01 1 - SE 05/2012 ð
10. ENCE ENERGIA Y CELULOSA S.A. via its ES - 0.26 1 - FS 06/2012 ð
funds
11. VUELING AIRLINES, S.A. via its funds ES - 0.17 1 - FS 03/2012 -
12. SOCIEDAD DE GARANTIA RECIPROCA DE ES - n.a. 1 - IP 08/2012 -
SANTANDER, SG R
13. TELECABLE DE ASTURIAS SA. ES - n.a. 1 - IP 08/2012 ò
ntander y
Effibank SA
nager for more
nager for more
Watch
IFRS
Not Audited
Original
31/12/2007
12 months
mil EUR
23,640.3
24,093.9
453.6
5,789.9
845.1
42.1
4,880.0
22.7
29,430.2
671.0
885.1
30,986.3
20,338.7
16,869.8
613.6
2,855.3
6,503.5
175.3
0.0
6,328.2
974.5
18.3
72.5
3,078.8
30,986.3
150.8
471.9
1,460.1
64.9
7,189.6
115.0
380.5
Not Audited
Original
31/12/2007
12 months
mil EUR
631.8
211.6
1.0
-1.2
112.4
99.4
419.4
106.2
72.4
390.2
90.5
299.7
814.5
n.a.
12.26
7.39
3,335.0
2,010.6
1.6
IFRS
Not Audited
Original
31/12/2007
12 months
mil EUR
1,115.1
77.8
66.9
1,259.8
n.a.
628.0
628.0
631.8
1.0
13.9
-1.2
3.5
112.4
53.1
182.7
256.4
163.0
419.4
28.9
424.0
106.2
3.6
314.2
0.0
77.6
0.0
0.0
-1.6
390.2
90.5
0.0
299.7
n.a.
n.a.
n.a.
n.a.
299.7
n.a.
299.7
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
24,093.9
453.6
23,640.3
24,093.9
150.8
0.0
845.1
0.0
106.3
42.1
3,770.0
946.4
57.3
0.0
4,922.1
1,018.8
695.5
21.9
0.8
0.0
29,430.2
508.7
n.a.
4.7
671.0
37.4
27.5
26.0
142.6
0.0
138.2
30,986.3
3,265.6
5,637.8
7,966.4
16,869.8
325.3
288.3
2,855.3
20,338.7
3,347.7
380.5
2,485.0
6,213.2
175.3
0.0
26,727.2
0.0
18.3
72.5
47.1
474.6
0.0
0.0
2.7
450.1
27,792.5
115.0
0.0
2,112.2
4.6
966.6
-4.6
0.0
3,078.8
30,986.3
3,013.9
3,071.4
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
22.43
51.49
n.a.
n.a.
n.a.
25.90
n.a.
n.a.
23.19
1.56
1.16
n.a.
n.a.
n.a.
n.a.
n.a.
1.10
1.10
11.08
11.29
9.75
7.39
12.26
6.97
9.94
n.a.
n.a.
n.a.
9.73
n.a.
n.a.
0.63
1.88
300.80
-9.84
n.a.
n.a.
0.65
142.82
259.79
63.54
0.0
0.0
1,632.3
12.5
5,544.8
0.0
38,175.9
27,194.5
n.a.
27,194.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
380.5
n.a.
299.7
n.a.
299.7
3,078.8
0.0
n.a.
n.a.
3,078.8
0.0
0.0
37.4
27.5
0.0
0.0
0.0
3,013.9
57.5
0.0
3,071.4
1,291.7
n.a.
n.a.
n.a.
n.a.
1,115.1
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
3,770.0
n.a.
n.a.
n.a.
n.a.
n.a.
946.4
n.a.
n.a.
n.a.
n.a.
n.a.
4.4
2.8
1.6
374.8
78.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4.6
3,074.2
3,078.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.0
3,078.8
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
0.0
n.a.
0.0
0.0
0.0
115.0
0.0
0.0
57.5
57.5
2,010.6
3,335.0
7.39
12.26
27,194.5
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,922.1
695.5
4,226.6
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
4,209
591
7.39
6.97
12.26
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Not Audited
31/12/2007
1.96
16.81
312.93
0.63
0.01
0.39
4.90
n.a.
7.39
12.26
9.94
13.02
15.14
11.23
11.54
15.12
17.57
13.04
10.65
2.15
2.04
0.68
1.70
1.03
-0.06
0.97
9.73
n.a.
n.a.
24.16
49.73
1.37
137.73
76.29
116.23
89.73
7.18
5.54
Bank information
No of
employees
1,984
6,230
Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
- n.a. n.a.
- n.a. n.a.
- 23.0 4.0
- n.a. n.a.
- n.a. n.a.
- 4.0 100.0
- 3,619.0 3,307.0
- 981.0 2,879.0
ð 3,529.0 31,092.0
ð 1,086.0 1,323.0
- 1,117.0 1,389.0
- <0,5 6.0
ò 52.0 n.a.
Banco Popular Espanol SA

Contact details
C/ VELAZQUEZ 34 Phone number +34 (91) 520 70 70

Fax number +34 (91) 575 22 93
28001 MADRID Web Site Address www.bancopopular.es
SPAIN
Bank History :
Established on July 1, 1926. In December 2008, Banco Popular Espanol SA absorbed Banco de Galicia SA, Banco de
Castilla SA, Banco de Crédito Balear SA and Banco de Vasconia SA. In August 2009, Banco Popular Espanol SA absorbed
Banco de Andalucia SA. On July 24, 2012, absorbed Banco Pastor SA.
Accounting Standards International Financial Nickname POPULCOI
Auditores S.L.

(02/11/2012) World rank, 2011 150
shareholders
No of recorded 154
subsidiaries
Peer Group
Size 1,761
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 96,771.1 96,032.3 94,956.5 91,701.5
Gross Loans 99,225.1 98,388.7 97,507.8 93,716.6
Derivatives 2,262.0 2,219.6 2,303.6 1,899.4
Fixed Assets 689.7 569.4 562.9 1,355.4
Total Assets 130,925.7 130,139.8 129,290.1 110,376.1

Derivatives 2,518.3 1,910.6 1,793.0 2,109.4
Other Reserves 214.5 259.6 300.6 293.0
Equity 8,388.2 8,252.3 8,448.0 7,057.7
Notes

Subordinated Debts (Memo) 1,247.2 696.5 602.1 328.8
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Other Operating Income 931.5 1,059.1 1,075.6 1,139.4
Statement
Overheads 1,432.4 1,372.6 1,336.6 1,358.3
Loan Loss Provisions 940.2 1,106.3 1,520.0 905.2
Other -210.1 -209.6 23.5 26.0
Profit before Tax 444.2 832.5 1,072.9 1,461.0
Tax -39.8 228.1 292.6 390.3
Net Income 484.0 604.4 780.3 1,110.7
Dividend Paid 68.4 179.0 409.5 592.9

Tier 1 Ratio 10.00 9.63 9.13 8.26
Total Capital 8,972.4 9,062.2 8,890.1 8,381.4
Tier 1 Capital 8,843.7 9,034.4 8,456.6 7,609.9
Net-Charge Offs 758.1 1,308.4 846.0 513.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement


Other Interest Expense 895.5 668.1 1,114.6 2,405.8
Statement
Total Non-Interest Operating Income 891.5 1,044.7 1,060.2 1,085.7

Loan Impairment Charge 940.2 1,106.3 1,520.0 905.2
Operating Profit 631.0 872.9 817.0 1,342.0

Other Non-operating Income and Expenses -29.6 10.8 -49.4 -29.5
Pre-tax Profit 444.2 832.5 1,072.9 1,461.0
Tax expense -39.8 228.1 292.6 390.3
Net Income 484.0 604.4 780.3 1,110.7
Change in Value of AFS Investments -282.2 -583.1 -56.5 -4.6

Revaluation of Fixed Assets n.a. 0.0 0.0 0.0
Remaining OCI Gains/(losses) n.a. 13.3 n.a. 1.7
Fitch Comprehensive Income 208.0 47.7 716.8 1,132.0
Memo: Net Income after Allocation to Non- 479.7 590.1 766.1 1,052.1
Balance Sheet
Assets
Loans
Other Loans 99,225.1 98,388.7 97,507.8 93,716.6
Net Loans 96,771.1 96,032.3 94,956.5 91,701.5
Gross Loans 99,225.1 98,388.7 97,507.8 93,716.6
Reverse Repos and Cash Collateral 530.4 3,298.9 4,994.5 1,984.7
Derivatives 2,262.0 2,219.6 2,303.6 1,899.4
Held to Maturity Securities 7,568.4 5,394.6 2,266.5 34.9
Other Securities 0.0 0.0 0.0 0.0
Non-earning Assets
Cash and Due From Banks 522.2 682.8 3,748.7 1,859.6
Foreclosed Real Estate 4,027.5 3,688.9 3,979.6 1,660.6
Fixed Assets 689.7 569.4 562.9 1,355.4
Goodwill 884.4 574.4 417.7 486.8
Other Assets 1,562.8 1,790.6 735.1 840.8
Total Assets 130,925.7 130,139.8 129,290.1 110,376.1
Funding
Subordinated Borrowing 1,247.2 696.5 602.1 328.8
Other Funding 22,162.3 16,031.9 13,376.5 12,358.4
Derivatives 2,518.3 1,910.6 1,793.0 2,109.4
Total Funding 118,381.1 116,633.8 116,290.7 98,744.8
Insurance Liabilities 571.1 1,090.6 1,073.5 931.9
Hybrid Capital
Debt
Equity
Equity
Common Equity 8,438.3 8,084.3 7,715.9 6,734.4
Securities Revaluation Reserves -912.4 -630.2 -47.1 9.5
Foreign Exchange Revaluation Reserves 36.6 30.4 17.3 24.3
OCI
Total Equity 7,702.4 7,561.0 7,748.0 7,057.7
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
Assets%
Capitalization
Loan Quality
Growth of Total Assets% 0.60 0.00 17.14 2.99
%
Foreclosed Assets%
Funding
%
Reference Data
Sheet
Guarantees 13,433.9 12,928.4 13,520.0 14,460.3

balance sheet
Fitch Adjustments to Weighted Risks. 0.0 0.0 0.0 0.0
Average Loans 97,953.2 98,373.5 95,774.8 90,944.9
Average Assets 130,378.3 128,953.2 119,316.6 108,239.5
Average Equity 7,752.9 7,751.1 7,428.2 6,891.0
Maturities
Loans & Advances < 3 months n.a. 11,079.0 21,229.0 15,968.4
Loans & Advances 3 - 12 Months n.a. 17,508.0 14,209.0 15,558.2
Loans and Advances 1 - 5 Years n.a. 29,078.0 26,366.0 22,424.3
Loans & Advances > 5 years n.a. 44,422.0 40,495.0 37,753.6
Debt Securities < 3 Months n.a. 1,612.0 339.0 455.3

Debt Securities 3 - 12 Months n.a. 1,755.0 2,555.0 521.7
Debt Securities 1 - 5 Years n.a. 6,611.0 3,303.0 2,975.2
Debt Securities > 5 Years n.a. 7,106.0 8,980.0 2,506.6
Interbank < 3 Months n.a. 616.0 3,625.0 4,230.3

Interbank 3 - 12 Months n.a. 6.0 0.0 349.4
Interbank 1 - 5 Years n.a. 87.0 0.0 314.2
Interbank > 5 Years n.a. 346.0 382.0 11.4




Total Subordinated Debt on Balance Sheet 1,247.2 696.5 602.1 328.8
Net Income 484.0 604.4 780.3 1,110.7
Published Net Income 484.0 604.4 780.3 1,110.7
Equity 7,702.4 7,561.0 7,748.0 7,057.7
as Equity

interests)
on the B/S- CC only
Goodwill 884.4 574.4 417.7 486.8
securitizations
Eligible weighted Hybrid capital 1,705.6 1,783.7 1,309.1 644.0

Assets
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer 293.9 332.3 318.3 49.2
breakdown)
Trading Assets - Debt Securities - Governments 33.9 14.3 n.a. n.a.
Trading Assets - Debt Securities - Banks 98.8 0.7 n.a. n.a.
Trading Assets - Debt Securities - Corporates 7.6 0.0 n.a. n.a.
Trading Assets - Equities 137.8 35.0 618.7 378.2
Income Statement
Total Trading Assets at FV through the Income 431.7 367.3 937.0 427.4
Statement
AFS Assets - Debt Securities (where no issuer n.a. 4,922.4 4,788.6 1,922.5
breakdown)
AFS Assets - Government 6,358.2 5,881.3 5,821.3 1,389.0
AFS Assets - Banks 2,603.0 2,703.5 n.a. n.a.
AFS Assets - Corporates 899.6 2,218.8 n.a. n.a.
AFS Assets - Equities 544.9 371.9 420.1 128.9
Total AFS Assets 10,405.7 11,175.6 11,030.1 3,440.4
HTM - Government n.a. 0.0 0.0 34.9

Total HTM Debt Securities 7,568.4 5,394.6 2,266.5 34.9
Total Debt Securities - Government 6,392.1 5,895.6 5,821.3 1,423.9
Total Debt Securities - Banks 2,701.8 2,704.2 n.a. n.a.
Total Debt Securities - Corporates 907.2 2,218.8 n.a. n.a.
Total Debt Securities - Equities & Other 682.7 406.9 1,038.8 507.1
Asset Quality Data

Net Charge-offs
Gross Charge-offs 893.6 1,421.5 859.8 549.1
Recoveries 135.5 113.1 13.8 36.1
Net Charge-offs 758.1 1,308.4 846.0 513.0
Reserves

Capital
Eligible Capital

Profit/Loss Reserve/Income for the period net of 411.2 422.9 766.1 n.a.
dividends
Valuation Reserves for AFS Securities in OCI Total -912.4 -630.2 -47.1 9.4
Valuation Reserves for FX in OCI 36.6 30.4 17.3 24.3
Valuation Reserves in OCI - Other n.a. n.a. n.a. -5.9
Total Valuation Reserves in OCI -875.8 -599.8 -29.8 27.8
Cash Flow Hedge Reserve 33.9 27.4 14.2 3.0
Interests
Non-controlling Minority Interest - not loss- 1.1 1.1 1.1 1.1
absorbing

Capital
Hybrid Capital Fitch Class E 1,140.5 1,191.3 700.0 0.0
Weighted Total of Fitch Hybrid Capital Classes 1,705.6 1,783.7 1,309.1 644.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 1,705.6 1,783.7 1,309.1 644.0
II
II
Equity Investments deducted from Regulatory n.a. 96.1 n.a. 268.6
Capital
Reverse repurchase agreements included in loans 6,210.2 6,987.6 6,179.0 1,921.4
Reverse repurchase agreements included in loans 0.0 0.0 0.0 0.0
Reverse repurchase agreements in assets - other 530.4 3,298.9 4,994.5 1,984.7
Cash collateral on securities borrowed 0.0 0.0 0.0 0.0
Repurchase agreements included in customer 0.0 0.0 0.0 0.0
deposits
Repurchase agreements included in deposits from 0.0 0.0 0.0 0.0
banks
Repurchase agreements included in liabilities - other 11,009.9 21,980.9 18,458.3 10,427.2
Cash collateral on securities lent 0.0 0.0 0.0 0.0

Average Reverse repurchase agreements included 6,671.4 6,718.1 4,050.2 1,921.4
in loans

Leverage Ratio% 14.84 14.55 16.17 17.17
Assets under Management 12,463.1 13,634.6 13,062.5 n.a.
Deposits of Governments and Municipalities 1,265.2 2,183.8 2,014.5 n.a.
Total Exposure to Central Bank 64.1 338.8 3,369.0 1,431.9
Government 1,243.8 568.9 288.6 n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 10.00 9.63 9.13 8.26
Equity / Net Loans 8.67 8.59 8.90 7.70
Operations
Dividend Pay-Out 14.13 29.62 52.48 53.38
Non Op Items / Net Income -43.41 -34.68 3.01 2.34
Liquidity
Interbank Ratio 23.02 22.95 28.98 28.34
General information

SEDOL number: B0BV6K3
Ticker symbol: POP

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Munchen
Boerse Stuttgart
Euronext Lisbon
US Exchange
PSI - GENERAL - PORTUGAL
Market price - May 1.63 3.99 4.02 5.91 9.79 14.04 10.78 9.13

Price trends (%)

BETA

BOLSA DE MADRID)
Reference index 3:
Reference index 4:
Reference index 5:


Date News
1 12/10/2012 Shareholders Union sells Banco Popular shares (deal no.
1601414211)
2 11/10/2012 Banco Popular completes first voluntary conversion of bonds
(deal no. 1601351880)
3 30/09/2012 Banco Popular plans to launch rights issue within next few weeks
(deal no. 1601407254)
4 13/09/2012 Konecta acquires Universal Support from Banco Popular (deal
no. 1601402791)
5 10/09/2012 CaixaBank considering acquisition of Banco Popular Español
(deal no. 1601403253)
6 07/09/2012 Mr Américo Amorím sells Banco Popular shares (deal no.
1601401956)
7 04/09/2012 Banco Popular may acquire Banco Mare Nostrum (deal no.
1601399658)
8 03/07/2012 Aliseda absorbs 10 companies in restructuring (deal no.
1601413775)
9 03/07/2012 Inversiones Inmobiliarias Canvives absorbs Tabeiros Gestión
Global de Inmuebles (deal no. 1601413934)
10 27/06/2012 Banco Popular Español to begin first voluntary conversion period
(deal no. 1601360560)
11 06/06/2012 Banco Popular may sell Portuguese life insurance businesses
(deal no. 1601382023)
12 29/05/2012 Banco Popular Español may sell its internet banking company
bancopopular-e (deal no. 1601373944)
13 12/03/2012 Banco Pastor has been delisted (deal no. 1601306996)
14 07/02/2012 Crédit Mutuel-CIC to increase its stake in TargoBank (deal no.
1601340897)
15 06/02/2012 Crédit Mutuel may increase its stake in Banco Popular Español
(deal no. 1601354624)
16 01/02/2012 Banco Popular could make acquisitions after completion of
restructuring phase (deal no. 1601339501)
17 26/01/2012 Ortiz Construcciones y Proyectos receives funding for its two
wind parks in Almeria (deal no. 1601337225)
18 24/01/2012 Fenie Energía planning capital increase (deal no. 1601336668)
19 18/01/2012 Banco Popular Español converts bonds (deal no. 1601335138)
21 12/12/2011 Banco Popular Portugal to increase capital (deal no.
1601328431)
22 22/11/2011 Banco Popular wants Dexia to exit Popular Banca Privada (deal
no. 1601318727)
23 13/10/2011 Crédit Mutuel and Banco Popular to create insurance joint
venture (deal no. 1601308136)
25 10/10/2011 Banco Popular to buy Pastor: report (deal no. 1601306996)
26 10/10/2011 Banco Popular's capital increase approved by the CNMV (deal no.
1601317801)
27 13/09/2011 Allianz Popular is formed (deal no. 1601247676)
28 20/07/2011 Banco Popular Español to absorb subsidiaries Mundocredit and
Mundo Envíos (deal no. 1601289759)
(deal no. 1601272090)
30 08/06/2011 Hiperion Capital acquires Grupo Playa Sol (deal no.
1601264554)
31 06/05/2011 Banco Popular carrie out capital increase (deal no. 1601268476)
32 24/03/2011 Six interested in CatalunyaCaixa (deal no. 1601259475)

33 11/03/2011 Sindicatura de Accionistas sells shares in Banco Popular Español
(deal no. 1601255305)
34 17/02/2011 Mr Américo Amorím sells shares in Banco Popular via Topbreach
Holding (deal no. 1601251015)
35 21/01/2011 Sindicatura de Accionistas sells shares in Banco Popular Español
(deal no. 1601241459)
36 05/01/2011 Banco Popular convertible bonds admitted to trading (deal no.
1601228768)
37 18/11/2010 Crédit Mutuel's shares in Banco Popular admitted to trading
(deal no. 1601199603)
38 11/11/2010 Silchester acquires shares in Banco Popular Español (deal no.
1601236842)
39 30/07/2010 Américo Amorím sells shares in Banco Popular (deal no.
1601207895)
40 28/06/2010 Crédit Mutuel, Banco Popular reveal alliance (deal no.
1601199603)
41 28/06/2010 Banco Popular and Crédit Mutuel to establish joint venture (deal
no. 1601199575)
42 10/06/2010 Elecnor acquires Audeca (deal no. 1601195695)
43 29/03/2010 Ram Bhavnani sells stake in Banco Popular (deal no.
1601172479)
44 09/02/2010 Odey Asset Management acquires shares in Banco Popular
Espanol (deal no. 1601158697)
45 09/02/2010 Odey European acquires shares in Banco Popular Espanol (deal
no. 1601158700)
46 04/02/2010 Meditor Capital Management acquires shares in Banco Popular
(deal no. 1601157423)
47 04/02/2010 Morton Holdings continues to offload Banco Popular shares (deal
no. 1601157420)
48 03/02/2010 Highside Capital acquires shares in Banco Popular (deal no.
1601157421)
49 03/02/2010 Meditor acquires shares in Banco Popular (deal no. 1601156993)
50 03/02/2010 Morton Holdings sells more shares in Banco Popular (deal no.
1601156995)
Source : Zephyr
Boards & committees

= also shareholder
1. Mr. Ángel Ron Güimil - Chairman (since 19/10/2004) BoD VI
P002179656 - Member, Executive Management ExeB VI
1.

2. Mr. Luis Herrando - Vice Chairman BoD VI
P010887094 (since 21/06/2001)
- Chairman of the Compensation RemC VI
Committee
- Chairman, Appointments NomC VI
Committee
- Chairman, Corporate CoGoC VI
Governance Committee
- Chairman, Conflict of Interest OthBC VI
Committee (Comision Delegada
de Riesgos); Member, Executive
Committee
3. Mr. Roberto Higuera Montejo - Vice Chairman of the Board BoD VI
P002179640 (since 30/05/2008)
4. Allianz SE, (Represented by Jan - Director (since 15/12/2008) BoD VI
R. CARENDI)
CVA1661824
5. Mr. Francisco Maria Aparicio Valls - Director (since 18/12/2003) BoD VI
- Secretary of the Board BoD VI
P016083489 - Member, Executive Committee; OthBC VI
Member, Risk Committee
6. Asociación de Directivos BPE - Director (since 27/11/1980) BoD VI
(Represented by Francisco
APARICIO)
CVA1661881
7. Mr. Américo Ferreira Amorim - Director (since 27/05/2003) BoD VI
P002190607
8. Mr. Alain Fradin - Non-Independent Director BoD VI
P039811522 (since 20/12/2011)
9. Mr. Eric Gancedo Holmer - Director (since 20/06/2002) BoD VI
P002179637 - Member, Audit and Control AudC, OthBC VI
Committee
- Member, Compensation RemC VI
Committee
- Member, Appointments NomC VI
Committee
- Member, Corporate Governance CoGoC VI
Committee
- Chairman, Risk Committee OthBC VI
(Comision Delegada de Riesgos);
Member, Conflict of Interest
Committee; Member, Executive
Committee
10. Mrs. Ana María Molins López- - Director (since 28/04/2011) BoD VI

Rodó - Member of the Audit Committee AudC VI
P042166258 - Member, Compensation RemC VI
Committee
- Member, Appointment NomC VI
Committee
- Member, Corporate Governance CoGoC VI
Committee
- Member, Conflict of Interest OthBC VI
Committee
11. Mr. Miguel Nigorra Oliver - Director (since 19/12/1974) BoD VI
P002179647
12. Mr. Nicolás Osuna - Director (since 30/05/2007) BoD VI
P002179484
13. Mrs. Helena Irene Revoredo - Director (since 30/05/2007) BoD VI
Delvecchio
P002179653
14. Mr. José Ramón Rodríguez - Director (since 12/01/1987) BoD VI
P002179655 - Chairman, Audit and Control AudC, OthBC VI
Committee; Member, Executive
Committee
15. Sindicatura de Accionistas de BPE - Director (since 28/06/1988) BoD VI
(Represented by Carlos Figuero
García)
CVA1665669
16. Mr. Miguel Ángel Solís - Director (since 18/12/1996) BoD VI
P081319317 - Member of the Audit and Control AudC, OthBC VI
Committee
17. Mr. Vicente Tardío - Director (since 19/12/2007) BoD VI
P002179662
18. Unión Europea de Inversiones. - Director (since 19/05/2009) BoD VI
S.A. (Represented by Jorge - Member, Risk Committee OthBC VI
OROVIOGOICOECHEA)
CVA1666034
19. Mr. Jesús Arellano Escobar - Member, Executive Management ExeB VI
P042215493 (Control and Default General
Management)
- Member, Management OthBC VI
Committee
20. Mr. Francisco Sancha Bermejo - Member, Executive Management ExeB VI
P123042072 (Technical Secretariat)
Committee
21. Mr. Ángel Rivera Congosto - Member, Executive Management ExeB VI
P042161107 (General Business Management)

Committee
22. Francisco Gómez Martín - Member, Executive Management ExeB VI
P134240778 (General Risk Management)
Committee
- Spokesman, Risk Committee OthBC VI
(Comision Delegada de Riesgos)
23. Mr. Jaime Jacobo González- - Member, Executive Management ExeB VI
Robatto Fernandez - Member, Management OthBC VI
24. Mr. Eutimio Morales López - Member, Executive Management ExeB VI
P042192710 - Member, Management OthBC VI
committee
25. Alberto Muñoz Fernández - Member, Executive Management ExeB VI
P134240779 (Office of the Chairman)
Committee
26. Mr. Fernando Rodríguez Baquero - Member, Executive Management ExeB VI
Management & staff

= also shareholder
1. Mr. Ángel Ron Güimil - CEO SenMan VI
P002179656
2. Mr. Luis Herrando - Vice President SenMan VI
P010887094
3. Mr. Roberto Higuera Montejo - Vice President (since 05/2008) SenMan VI
P002179640
4. Mr. Francisco Maria Aparicio Valls - Secretary SenMan VI
P016083489
5. Mr. Jaime Jacobo González- - Director of Corporate Finance FinAcc VI
Robatto Fernandez
P010983199
6. Mr. Eutimio Morales López - Comptroller FinAcc VI
P042192710
7. Mr. Fernando Rodríguez Baquero - Director of Technical Resources Oper VI
P103955458

Ownership Source


1. ALISEDA SA ES 100.00 100.00 1 UO+ IP 08/2012
2. BANCO POPULAR PORTUGAL SA PT 100.00 100.00 1 UO+ IP 08/2012
3. BANCOPOPULAR-E SA ES 100.00 100.00 1 UO+ IP 08/2012
4. BPE FINANCE INTERNATIONAL LIMITED KY 100.00 100.00 1 UO+ IP 08/2012
5. BPE PREFERENCE INTERNATIONAL KY 100.00 100.00 1 UO+ RM 12/2011
6. CAIXASABADELL INTERNATIONAL KY 100.00 100.00 1 UO+ IP 08/2012
FINANCE LTD
7. IM BANCO POPULAR FTPYME 1 FONDO DE ES 100.00 100.00 1 UO+ IP 08/2012
TITULIZACION DE ACTIVOS
8. IM BANCO POPULAR FTPYME 2 FONDO DE ES 100.00 100.00 1 UO+ RM 12/2011
TITULIZACION DE ACTIVOS
9. IM BANCO POPULAR FTPYME 3 FTA ES 100.00 100.00 1 UO+ RM 12/2011
10. IM BANCO POPULAR MBS 1, F.T.A. ES 100.00 100.00 1 UO+ RM 12/2011
11. IM BANCO POPULAR MBS 2 FTA ES 100.00 100.00 1 UO+ RM 12/2011
12. IM CEDULA GRUPO BANCO POPULAR 5FTA ES 100.00 100.00 1 UO+ RM 12/2011
13. IM CEDULAS 1 GRUPO BANCO POPULAR ES 100.00 100.00 1 UO+ RM 12/2011

FONDO DE TITULIZACION DE ACTIVOS
14. IM CEDULAS GRUPO BANCO POPULAR 3 ES 100.00 100.00 1 UO+ RM 12/2011
FTA
15. IM GRUPO BANCO POPULAR EMPRESAS 1 ES 100.00 100.00 1 UO+ RM 12/2011
FTA
FTA
FTA
18. IM GRUPO BANCO POPULAR FT PYME II ES 100.00 100.00 1 UO+ RM 12/2011
FTA
19. IM GRUPO BANCO POPULAR FTPYME 1 FTA ES 100.00 100.00 1 UO+ IP 09/2011
20. IM GRUPO BANCO POPULAR FTPYME I ES 100.00 100.00 1 UO+ IP 08/2012

FONDO DE TITULIZACION DE ACTIVOS
21. IM GRUPO BANCO POPULAT LEASING 2 ES 100.00 100.00 1 UO+ RM 12/2011
FTA
22. INMOBILIARIA VIAGRACIA SA ES 100.00 100.00 1 UO+ IP 08/2012
23. INMOBILIARIA VIVESA SA ES 100.00 100.00 1 UO+ IP 08/2012
24. PANORAMA IBICENCA SA ES 100.00 100.00 1 UO+ IP 08/2012
25. PASTOR PARTICIPADAS 1 SL ES 100.00 100.00 1 UO+ IP 08/2012
26. POPULAR BOLSA SOCIEDAD DE VALORES ES 100.00 100.00 1 UO+ RM 12/2011
SA
27. POPULAR CAPITAL EUROPE NL 100.00 100.00 1 UO+ IP 09/2011
28. POPULAR DE COMUNICACIONES SA ES 100.00 100.00 1 UO+ IP 08/2012
29. POPULAR DE FACTORING S.A. ES 100.00 100.00 1 UO+ IP 08/2012
30. POPULAR DE MEDIACION SA ES 100.00 100.00 1 UO+ IP 08/2012
31. POPULAR DE PARTICIPACIONES ES 100.00 100.00 1 UO+ RM 12/2011
FINANCIERAS SA
32. POPULAR DE RENTING SA ES 100.00 100.00 1 UO+ RM 12/2011
33. POPULAR ESPANOL ASIA TRADE LTD HK 100.00 100.00 1 UO+ RM 12/2011
34. POPULAR FINANCE EUROPE NL 100.00 100.00 1 UO+ IP 09/2011
35. POPULAR GESTAO DE ACTIVOS - PT 100.00 100.00 1 UO+ RM 12/2011
SOCIEDADE GESTORA DE F
36. PROMOTORA INMOBILIARIA OSPIBEL SL ES 100.00 100.00 1 UO+ IP 08/2012
37. RED LEAF HOLDING US 100.00 100.00 1 UO+ RM 12/2011
38. SOBRINOS DE JOSE PASTOR INVERSIONES ES 100.00 100.00 1 UO+ IP 08/2012
SA
39. SOBRINOS DE JOSE PASTOR SA ES 100.00 100.00 1 UO+ IP 08/2012
40. TERRA CHA GESTION GLOBAL DE ES 100.00 100.00 1 UO+ IP 08/2012
INMUEBLES SL
41. TOTALBANK US 100.00 100.00 1 UO+ IP 08/2012
42. GESTORA EUROPEA DE INVERSIONES SA ES 99.99 100.00 1 UO+ RM 12/2011
43. ISLA DE LOS BUQUES SA ES 99.98 100.00 1 UO+ RM 12/2011
44. POPULAR DE INFORMATICA SA ES 99.84 100.00 1 UO+ RM 12/2011
45. INTERMEDIACION Y SERVICIOS ES 99.50 100.00 1 UO+ RM 12/2011
TECNOLOGICOS SA
46. INVERSIONES INMOBILIARIAS TAMADABA ES 99.00 100.00 1 UO+ RM 12/2011
SL
47. VELAZQUEZ 34 SL ES 97.80 100.00 1 UO+ RM 12/2011
48. BPE FINANCIACIONES, S.A. ES 90.00 100.00 1 UO+ RM 12/2011
49. FONDO IMOPOPULAR PT 90.00 100.00 1 UO+ RM 12/2011
50. CONSULTEAM - CONSULTORES DE GESTAO, PT 80.44 100.00 1 UO+ RM 12/2011
LDA
51. GESTORA POPULAR SA ES 35.00 100.00 1 UO+ RM 12/2011
52. FINESPA SA ES 4.19 100.00 1 UO RM 12/2011
53. BERGANTIÑOS GESTION GLOBAL DE ES - 100.00 1 UO+ IP 08/2012
INMUEBLES SL
54. FIB REALTY CORPORATION US - 100.00 1 UO+ RM 12/2011
55. GOLD LEAF TITLE COMPANY US - 100.00 1 UO+ RM 12/2011
56. INVERSIONES INMOBILIARIAS ALPROSA ES - 100.00 1 UO+ RM 12/2011
SL
57. INVERSIONES INMOBILIARIAS CANVIVES ES - 100.00 1 UO RM 12/2011
SL
58. INVERSIONES INMOBILIARIAS ES - 100.00 1 UO+ RM 12/2011
CEDACEROS SL
59. INVERSIONES INMOBILIARIAS GERCEBIO ES - 100.00 1 UO RM 12/2011
SL
60. INVERSIONES INMOBILIARIAS ES - 100.00 1 UO RM 12/2011
JERAGUILAS SL
61. MANBEROR SL ES - 100.00 1 UO RM 12/2011
62. POPULAR SEGUROS SA ES - 100.00 1 UO+ RM 12/2011
63. TOTAL SUNSET INC US - 100.00 1 UO+ RM 12/2011
64. EUROVALOR EUROPA DEL ESTE FIMF. ES 99.99 n.a. 1 UO+ IP 09/2011
65. EUROVALOR JAPON FI ES 99.99 n.a. 1 UO+ IP 09/2011
66. EUROVALOR RENTA FIJA INTERNACIONAL ES 99.99 n.a. 1 UO+ IP 08/2012
FIM.
67. GESTORA EUROPEA DE SERVICIOS ES 99.90 n.a. 1 UO+ IP 09/2011
FINANCIEROS E INVERSI
68. POPULAR FACTORING SA PT 99.00 n.a. 1 UO+ IP 08/2012
69. URBANIZADORA ESPAÑOLA, SA ES 7.19 97.74 1 UO RM 12/2011
70. PROMOCION SOCIAL DE VIVIENDAS, SA ES - 91.84 1 UO RM 12/2011
71. GRUPO LA TOJA HOTELES S.L. ES 90.00 n.a. 1 UO IP 08/2012
72. POPULAR CAPITAL S.A. ES 90.00 n.a. 1 UO RM 12/2011
73. GESTORA INMOBILIARIA LA TOJA SA ES 89.71 n.a. 1 UO IP 08/2012
74. EUROVIDA COMPANHIA DE SEGUROS DE PT 84.00 n.a. 1 UO IP 08/2012
VIDA SA
75. POPULAR GESTION PRIVADA SGIIC SA ES - 60.00 1 UO RM 12/2011
76. POPULAR BANCA PRIVADA ES 52.50 n.a. 1 UO IP 08/2012
77. COMPAÑIA INTERNACIONAL DE TERRENOS ES >50.00 n.a. 1 UO IP 08/2012
SA
78. FONPASTOR 10 FONDO DE INVERSION ES >50.00 n.a. 1 UO IP 08/2012
79. PASTOR FIJO FONDO DE PENSIONES. ES >50.00 n.a. 1 UO IP 08/2012
80. DESARROLLO APLICACIONES ESPECIALES ES 50.67 n.a. 1 UO RM 12/2011
SA
81. PASTOR VIDA SA DE SEGUROS Y ES 50.00 n.a. 1 - IP 08/2012
REASEGUROS
82. PENINSULAR INVESTIMENTOS SA PT 50.00 n.a. 1 - IP 08/2012
83. SOCIEDAD ANONIMA INTERNACIONAL DE ES 50.00 n.a. 1 - IP 08/2012
TERRENOS Y EDIFICIOS
84. TARGOBANK SA ES 50.00 n.a. 1 - IP 09/2011
85. PBP CARTERA PREMIUM SICAV, SA ES 45.95 48.75 1 - RM 12/2011
86. SOCIEDAD CONJUNTA PARA LA EMISION Y ES 42.50 n.a. 1 - IP 08/2012
GESTION DE MEDIOS DE PAGO EFC S.A.
87. FUNDACION PEDRO BARRIE DE LA MAZA ES 41.80 n.a. 1 - IP 08/2012
CONDE DE FENOSA
88. ALLIANZ POPULAR ES 40.00 n.a. 1 - OS 09/2011
89. ALLIANZ POPULAR SL. ES 40.00 n.a. 1 - IP 03/2012
90. BOLSHISPANIA SA SICAV ES 38.09 n.a. 1 - IP 08/2012
91. PEREZ TORRES HANDLING SA ES 35.02 n.a. 1 - IP 08/2012
92. AVIACION INTERCONTINENTAL AIE ES 35.00 n.a. 1 - IP 03/2012
93. GOLF LA TOJA, SA ES 26.84 n.a. 1 - IP 08/2012
94. SISTEMA 4 B SA ES 26.76 n.a. 1 - IP 08/2012
95. MERCAVALOR SOCIEDAD DE VALORES SA ES 20.01 n.a. 1 - IP 08/2012
96. NAVIERA TELEMACO AIE ES 19.93 n.a. 1 - IP 09/2011
97. ANORETA GOLF SA ES 17.91 n.a. 1 - IP 08/2012
98. INVERSIONES IBERSUIZAS SA ES 17.42 n.a. 1 - IP 08/2012
99. NAVIERA PAREDES AIE ES 14.04 n.a. 1 - IP 08/2012
100. MONDRAGON NAVARRA SPE SA ES 12.50 n.a. 1 - IP 09/2011
70 70
22 93
ular.es
Banco de
ol SA absorbed
ope)
ager for more
ager for more
Watch
IFRS IFRS IFRS IFRS

Audited Audited Unqualified Audited
31/12/2007 31/12/2006 31/12/2005 31/12/2004
86,642.4 75,897.9 65,000.9 53,408.8

88,306.8 77,413.7 66,342.0 54,506.6
1,664.4 1,515.8 1,341.1 1,097.8
15,687.9 11,981.7 9,389.6 6,810.5
9,456.1 7,715.1 5,994.2 4,534.6
571.7 618.9 679.9 406.9
4,542.6 2,491.0 1,741.8 1,558.4
1,117.5 1,156.7 973.7 310.6
102,330.3 87,879.6 74,390.5 60,219.3
729.6 707.4 724.6 665.1
4,109.5 3,063.4 2,582.6 2,691.7
107,169.4 91,650.4 77,697.7 63,576.1
67,683.3 55,322.4 52,270.5 45,023.0

39,414.5 34,331.5 34,882.5 31,281.3
8,174.5 7,792.8 11,258.1 8,834.9
20,094.3 13,198.1 6,129.9 4,906.8
29,602.4 27,465.3 16,589.6 10,904.4
1,396.3 758.6 406.6 426.2
97.8 202.0 100.9 106.8
28,108.3 26,504.7 16,082.1 10,371.4
2,804.8 2,486.8 2,037.2 2,076.0
152.0 n.a. n.a. n.a.
278.7 448.8 456.7 515.2
6,648.2 5,927.1 6,343.7 5,057.5
107,169.4 91,650.4 77,697.7 63,576.1
820.6 610.9 580.6 600.4

1,816.4 1,515.8 1,341.1 1,097.8
12,128.9 11,392.7 8,101.5 6,343.8
524.8 369.3 362.5 355.6
33,157.8 30,341.7 28,270.9 n.a.
1,288.5 988.0 n.a. n.a.

506.0 475.1 579.7 555.8

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2,339.0 2,067.4 1,888.5 1,776.3
1,158.9 1,095.7 960.3 829.3
59.9 18.8 7.6 0.4
0.0 0.0 -0.9 2.4
883.6 880.5 790.0 659.7

215.4 196.4 163.6 166.8
1,251.6 1,179.7 1,123.0 1,041.2
291.6 326.7 345.1 452.5
-10.8 66.7 33.8 -66.1
1,943.9 1,723.4 1,414.5 1,045.8
607.3 632.2 476.9 346.6
1,336.6 1,091.2 937.6 699.2
3,453.5 3,125.5 2,817.4 2,571.0
632.1 505.6 442.0 366.6
9.67 9.87 10.15 10.15

7.92 8.02 8.09 7.94
8,592.3 7,613.3 7,148.3 5,881.2
7,040.2 6,189.7 5,692.6 4,603.1
132.6 128.5 83.6 139.8
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
5,096.7 3,698.5 2,940.7 2,597.8

116.4 21.0 18.9 20.2
55.4 37.0 18.6 14.0
5,268.5 3,756.5 2,978.2 2,632.0
1,161.1 830.0 654.1 536.9

1,768.4 859.1 435.6 318.8
2,929.5 1,689.1 1,089.7 855.7
2,339.0 2,067.4 1,888.5 1,776.3
59.9 18.8 7.6 0.4

12.5 8.2 9.6 32.3
0.0 0.0 -0.9 2.4
53.4 45.2 26.0 18.4

883.6 880.5 790.0 659.7
105.1 105.4 96.6 81.5
1,114.5 1,058.1 928.9 794.7
755.9 706.0 664.5 638.6
495.7 473.7 458.5 402.6
1,251.6 1,179.7 1,123.0 1,041.2
44.4 37.6 31.4 34.6

2,246.3 1,983.4 1,725.8 1,564.4
291.6 326.7 345.1 452.5
12.4 n.a. n.a. n.a.
1,942.3 1,656.7 1,380.7 1,111.9
0.0 n.a. n.a. n.a.

54.2 34.1 0.5 0.4
33.7 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
-18.9 32.6 33.3 -66.5
1,943.9 1,723.4 1,414.5 1,045.8
607.3 632.2 476.9 346.6
0.0 n.a. n.a. n.a.
1,336.6 1,091.2 937.6 699.2
-15.2 -2.0 22.4 8.8

0.0 n.a. n.a. n.a.
n.a. n.a. -0.1 0.1
n.a. n.a. n.a. n.a.
1,321.4 1,089.2 959.9 708.1
76.4 65.2 59.9 47.9
1,260.2 1,026.0 877.7 651.3
632.1 505.6 442.0 366.6

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. 24,600.8 n.a. n.a.
n.a. 52,698.6 n.a. n.a.
88,306.8 114.3 66,342.0 54,506.6
1,664.4 1,515.8 1,341.1 1,097.8
86,642.4 75,897.9 65,000.9 53,408.8
88,306.8 77,413.7 66,342.0 54,506.6
820.6 610.9 580.6 600.4
n.a. n.a. n.a. n.a.
8,417.3 7,715.1 5,994.2 4,534.6

1,038.8 n.a. n.a. n.a.
717.6 2,175.4 1,147.8 915.0
571.7 618.9 679.9 406.9
3,804.0 297.7 571.5 616.2
0.6 0.4 0.5 0.0
20.4 17.5 22.0 27.2
0.0 n.a. n.a. n.a.
6,153.1 3,109.9 2,421.7 1,965.3
292.2 146.3 195.1 225.4
87.6 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
1,117.5 1,027.7 875.1 249.3
0.0 129.0 98.6 61.3
102,330.3 87,879.6 74,390.5 60,219.3
1,955.2 1,502.2 959.5 894.2

n.a. n.a. n.a. n.a.
228.1 n.a. n.a. n.a.
729.6 707.4 724.6 665.1
476.6 341.6 341.6 341.6
48.2 27.7 20.9 14.0
22.8 36.4 47.0 87.9
503.4 519.6 613.6 779.7
0.0 n.a. n.a. n.a.
875.2 635.9 600.0 574.3
107,169.4 91,650.4 77,697.7 63,576.1
15,535.6 14,817.5 15,058.1 12,639.2

5,578.8 5,966.7 5,888.5 5,493.3
18,300.1 13,547.3 13,935.9 13,148.8
39,414.5 34,331.5 34,882.5 31,281.3
8,174.5 7,792.8 11,258.1 8,834.9
n.a. n.a. n.a. n.a.
20,094.3 13,198.1 6,129.9 4,906.8
67,683.3 55,322.4 52,270.5 45,023.0
26,313.8 25,041.6 15,502.4 9,815.6

506.0 475.1 579.7 555.8
n.a. n.a. n.a. n.a.
26,819.8 25,516.7 16,082.1 10,371.4
1,396.3 758.6 406.6 426.2
97.8 202.0 100.9 106.8
95,997.2 81,799.7 68,860.1 55,927.4
0.0 n.a. n.a. n.a.

152.0 n.a. n.a. n.a.
278.7 448.8 456.7 515.2
210.0 192.9 134.1 135.9
70.7 74.4 70.5 205.6
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
970.2 844.4 618.4 300.5
1,553.9 1,375.1 1,214.2 1,434.0
99,232.7 84,735.3 71,354.0 58,518.6
1,288.5 988.0 n.a. n.a.
0.0 n.a. 981.2 980.9
6,224.4 5,529.2 4,989.7 3,757.7

402.3 361.2 342.5 310.0
14.0 29.2 31.2 8.8
n.a. n.a. n.a. n.a.
7.5 7.5 -0.9 0.1
6,648.2 5,927.1 5,362.5 4,076.6

107,169.4 91,650.4 77,697.7 63,576.1
6,120.9 n.a. n.a. n.a.
6,764.9 n.a. n.a. n.a.
6.11 6.86 4.86 n.a.

3.31 2.41 1.97 n.a.
5.64 6.14 4.40 n.a.

3.31 2.27 1.74 n.a.
2.50 3.38 2.79 n.a.

2.19 2.85 2.28 n.a.
2.50 3.38 2.79 n.a.
32.27 33.85 32.97 30.91

36.24 37.74 39.86 40.50
1.26 1.83 1.58 n.a.
35.96 35.53 35.62 n.a.
2.26 3.08 2.43 n.a.
13.53 16.47 20.00 28.92
31.09 29.68 28.49 n.a.

1.96 2.57 1.95 n.a.
31.24 36.68 33.72 33.14
2.53 2.57 2.45 2.70
2.19 2.15 1.96 1.92
21.40 19.55 19.35 n.a.

1.35 1.69 1.32 n.a.
21.15 19.51 19.81 n.a.
1.33 1.69 1.35 n.a.
1.35 n.a. n.a. n.a.
1.50 1.41 1.33 1.21

1.49 1.41 1.36 1.22
6.89 n.a. n.a. n.a.

7.61 n.a. n.a. n.a.
5.74 5.85 6.07 5.07
7.92 8.02 8.09 7.94
9.67 9.87 10.15 10.15
6.47 n.a. n.a. n.a.
6.20 6.47 6.90 6.41
47.29 46.33 47.14 52.43
47.84 46.42 46.05 51.77
n.a. n.a. n.a. n.a.

10.60 9.88 9.24 8.16
16.93 17.96 22.21 n.a.

14.07 16.69 21.71 n.a.
0.93 0.79 0.88 1.10
1.88 1.96 2.02 2.01
202.83 248.13 230.99 182.84
-12.69 -15.27 -14.18 -12.20
0.35 0.61 0.57 n.a.

0.16 0.24 0.14 n.a.
1.18 0.79 0.88 1.10
224.05 225.49 190.19 174.25
102.97 99.00 53.24 51.33
41.66 42.36 50.96 56.36
164.5 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
11,567.7 11,281.1 9,539.5 n.a.

747.0 n.a. n.a. n.a.
19,707.3 n.a. n.a. n.a.

971.3 19,060.6 18,731.4 n.a.
140,327.2 121,992.1 105,968.6 63,576.1
88,877.4 77,140.2 70,392.4 57,950.7
0.0 n.a. n.a. n.a.
88,877.4 77,140.2 70,392.4 57,950.7
83,363.6 53,898.6 60,480.6 n.a.

93,450.4 61,173.1 67,757.8 n.a.
99,203.6 64,430.8 70,912.0 n.a.
164.5 n.a. n.a. n.a.
88,476.9 74,315.3 62,508.9 n.a.
5,846.2 5,201.7 4,503.0 n.a.
6,246.5 5,582.0 4,845.6 n.a.
35,053.0 34,420.2 33,263.4 n.a.
15,751.6 n.a. n.a. n.a.

16,343.6 n.a. n.a. n.a.
22,487.0 n.a. n.a. n.a.
32,465.9 n.a. n.a. n.a.
1,146.7 n.a. n.a. n.a.

360.7 n.a. n.a. n.a.
2,957.3 n.a. n.a. n.a.
1,536.5 n.a. n.a. n.a.
7,059.4 1,502.3 2,445.5 2,224.1

1,226.4 n.a. n.a. n.a.
1,361.2 n.a. n.a. n.a.
45.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
506.0 475.1 579.7 555.8
n.a. n.a. n.a. n.a.
1,336.6 1,091.2 937.6 699.2

n.a. n.a. n.a. n.a.
1,336.6 n.a. n.a. n.a.
6,648.2 5,927.1 5,362.5 4,076.6

0.0 n.a. 981.2 980.9
n.a. n.a. n.a. n.a.

6,648.2 n.a. n.a. n.a.
6,648.2 5,927.1 5,362.5 4,076.6
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.

476.6 341.6 341.6 341.6
48.2 27.7 20.9 14.0
2.5 228.9 329.0 544.0
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
6,120.9 n.a. n.a. n.a.

644.0 988.0 981.2 980.9
0.0 n.a. n.a. n.a.
6,764.9 n.a. n.a. n.a.
2,623.2 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,096.7 3,698.5 2,940.7 2,597.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,161.1 830.0 654.1 536.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
91.2 92.8 110.8 115.1
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
626.4 2,082.6 1,037.0 799.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
717.6 2,175.4 1,147.8 915.0
3,470.8 93.5 399.7 396.0
216.4 66.7 91.1 123.5

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
116.8 137.5 80.7 96.7
n.a. n.a. n.a. n.a.
3,804.0 297.7 571.5 616.2
n.a. n.a. n.a. n.a.
0.6 0.4 0.5 0.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.6 0.4 0.5 0.0
217.0 67.1 91.6 123.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
743.2 2,220.1 1,117.7 896.6
216.8 n.a. n.a. n.a.

84.2 n.a. n.a. n.a.
132.6 128.5 83.6 139.8
1,646.7 1,290.5 1,124.5 920.3

17.7 221.8 212.5 173.2
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,337.8 1,337.8 1,337.8 542.4
n.a. n.a. n.a. n.a.

4,886.6 4,191.4 3,651.9 3,219.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. 4.6
402.3 361.2 342.5 310.0
6,245.9 5,565.9 5,020.0 3,766.6
6,648.2 5,927.1 4,989.7 3,757.7
14.0 29.2 31.2 8.8
0.1 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-7.6 n.a. n.a. n.a.
6.5 29.2 31.2 8.8
7.5 7.5 -0.9 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
14.0 36.7 30.3 8.8
n.a. n.a. n.a. n.a.
14.0 36.7 30.3 8.8
0.0 n.a. 981.2 980.9
6,648.2 5,927.1 6,343.7 5,057.5
n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. 505.6 442.0 366.6
632.1 505.6 442.0 366.6
n.a. n.a. n.a. n.a.
2.5 228.9 329.0 544.0
524.8 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
1,288.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 988.0 981.2 980.9
644.0 988.0 981.2 980.9
644.0 988.0 981.2 980.9
7,040.2 6,189.7 5,692.6 4,603.1

8,592.3 7,613.3 7,148.3 5,881.2
7.92 8.02 8.09 7.94
9.67 9.87 10.15 10.15
88,877.4 77,140.2 70,392.4 57,950.7
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
6,153.1 3,109.9 2,421.7 1,965.3

87.6 n.a. n.a. n.a.
6,065.5 3,109.9 2,421.7 1,965.3
n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
15,038 14,056 13,804 13,465

2,531 2,443 2,385 2,330
7.92 8.02 8.09 7.94
6.47 n.a. n.a. n.a.
9.67 9.87 10.15 10.15
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,548.2 1,086.0 584.3 512.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.05 1.96 2.02 2.01

12.47 15.80 18.27 25.47
221.35 248.13 230.99 182.85
0.93 0.79 0.88 1.10
0.16 0.18 0.14 0.26
8.14 9.06 6.52 12.14
12.34 10.31 9.15 11.87
n.a. n.a. n.a. n.a.
7.92 8.02 8.09 7.94

9.67 9.87 10.15 10.15
6.20 6.47 8.17 7.96
7.67 7.81 9.76 9.47
9.82 10.71 12.14 11.23
6.73 7.03 8.96 8.73
7.88 8.06 8.91 8.83
9.74 9.74 10.65 10.51
12.47 13.36 13.25 12.47
8.55 8.77 9.78 9.68
5.99 6.43 8.37 9.90
2.46 2.55 2.81 2.95

2.35 2.44 2.67 2.79
1.17 1.29 1.36 1.30
1.55 1.78 2.08 2.35
1.97 1.96 1.96 1.75
-0.62 -0.67 -0.63 -0.65
1.35 1.29 1.33 1.10
21.26 17.79 16.45 13.83
47.29 46.33 47.14 52.43
11.21 9.55 8.69 6.58
-0.81 6.11 3.61 -9.45
35.78 37.30 39.42 39.96
2.26 2.34 2.44 2.46
115.68 99.00 53.24 51.33

80.85 82.81 83.66 84.01
128.01 137.19 124.36 118.63
90.73 93.33 95.20 96.46
17.92 20.59 15.50 14.09
12.70 14.01 11.87 11.46
2005
9.60
9.87
9.41
9.11
9.13
9.42
9.29
9.36
9.56
9.56
9.67
9.72
Op.
Date of Vari- No of
Revenue
(mil USD)*
08/2012 ð 12.0 58.0

08/2012 ð 230.0 1.0
08/2012 ð 42.0 n.a.
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
09/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
08/2012 ð <0,5 n.a.

08/2012 ö n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 - n.a. n.a.
12/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.

08/2012 ð n.a. n.a.
08/2012 ð 21.0 35.0
08/2012 ö 57.0 7.0
12/2011 ð - -
12/2011 ð 18.0 11.0

12/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 - 21.0 n.a.

12/2011 ð n.a. n.a.
08/2012 - n.a. n.a.
08/2012 - - -
08/2012 - n.a. n.a.
08/2012 ð 73.0 402.0

12/2011 ö n.a. n.a.
12/2011 ð 1.0 n.a.
12/2011 ö n.a. n.a.
12/2011 ð 10.0 22.0
12/2011 ð n.a. n.a.
12/2011 ð 5.0 1.0

12/2011 ð 1.0 n.a.
12/2011 ð n.a. n.a.
12/2011 ö 2.0 24.0
12/2011 ñ n.a. n.a.

12/2011 ð <0,5 n.a.
08/2012 - n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ð 2.0 1.0
12/2011 ð 3.0 1.0
12/2011 ð <0,5 n.a.
12/2011 ð 1.0 n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
09/2011 ð n.a. n.a.
08/2012 ø n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 - n.a. n.a.
12/2011 ø n.a. n.a.
08/2012 - <0,5 7.0
08/2012 ø 39.0 69.0
12/2011 ð n.a. n.a.

08/2012 ø 35.0 n.a.
08/2012 - n.a. n.a.
08/2012 - n.a. n.a.

08/2012 - n.a. n.a.
12/2011 ð 19.0 300.0
08/2012 - 31.0 26.0
08/2012 - n.a. n.a.

08/2012 - 2.0 n.a.
09/2011 ö 24.0 n.a.

12/2011 - n.a. n.a.
08/2012 ö n.a. n.a.
08/2012 - - -
09/2011 - n.a. n.a.

03/2012 - n.a. n.a.
08/2012 - n.a. n.a.
08/2012 - 5.0 10.0
03/2012 ö 23.0 n.a.
08/2012 - 1.0 12.0
08/2012 ö 5.0 25.0
08/2012 - n.a. n.a.
09/2011 ð 1.0 n.a.
08/2012 ð 1.0 22.0
08/2012 - 4.0 2.0
08/2012 - 8.0 n.a.
09/2011 ð <0,5 n.a.
Banco de Sabadell SA
08201 SABADELL BvD ID number ESA08000143

Contact details
PLAZA CATALUNYA 1 Phone number +34 (93) 728 92 89

Fax number +34 (93) 727 06 06
08201 SABADELL Web Site Address www.bancsabadell.com
SPAIN
Bank History :
Established on December 31, 1881. On June 8, 2001, Banco de Sabadell SA absorbed Solbank SBD SA. In September
2002, absorbed Banco Herrero SA. In April 2003, absorbed Banco de Asturias SA. In December 2004, absorbed Banco
Atlantico SA. In December 2006, Banco de Sabadell SA absorbed Banco Urquijo SA. On June 7, 2012, Banco de Sabadell
SA absorbed Banco Guipuzcoano SA and Banco Urquijo Sabadell Banca Privada SA.

Accounting Standards International Financial Nickname SABADCI
Auditores S.L.
available

(02/11/2012) World rank, 2011 176
shareholders
No of recorded 325
subsidiaries
Peer Group

Size 1,148
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 72,654.0 73,980.8 63,232.9 63,006.2
Gross Loans 74,922.0 76,190.7 65,012.8 64,704.2
Derivatives 1,855.4 1,633.8 1,788.5 1,787.3
Fixed Assets 877.9 900.5 962.7 999.9
Total Assets 100,437.4 97,099.2 82,822.9 80,378.1

Derivatives 2,011.4 1,716.5 1,679.9 1,690.0
Other Reserves 260.6 276.0 232.1 247.7
Equity 5,934.1 5,688.5 5,297.4 4,448.1
Notes
Intangibles (Memo) 1,119.4 840.5 796.6 775.6
Hybrid Capital (Memo) 899.2 1,004.2 1,098.2 750.0

Subordinated Debts (Memo) 960.2 1,382.4 941.5 1,343.7
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Assets at FV through Income 0.0 -0.2 0.0 0.0
Statement
Overheads 1,333.1 1,240.0 1,232.3 1,172.3
Other -443.6 -187.3 -319.1 -284.0
Tax -48.4 81.4 45.0 12.3
Net Income 235.9 382.9 526.3 675.9
Dividend Paid 69.5 113.7 168.0 337.9

Tier 1 Ratio 10.17 9.49 9.04 7.04
Total Capital 5,998.7 6,276.8 6,150.1 5,403.8
Tier 1 Capital 5,538.1 5,330.1 5,210.5 3,976.9
Net-Charge Offs 773.7 596.1 129.4 63.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Interest Expense on Customer Deposits 1,086.6 740.4 830.7 1,212.6

Other Interest Expense 770.2 445.3 734.9 1,739.1
Net Gains (Losses) on Other Securities 39.0 34.2 -10.2 32.0
Statement


Other Non-operating Income and Expenses -8.7 301.2 76.2 -63.0
Pre-tax Profit 187.5 464.3 571.3 259.8
Tax expense -48.4 81.4 45.0 12.3
Net Income 235.9 382.9 526.3 675.9

Remaining OCI Gains/(losses) -90.1 4.9 28.0 n.a.
Balance Sheet
Assets
Loans
Other Loans 74,922.0 76,190.7 65,012.8 64,704.2
Net Loans 72,654.0 73,980.8 63,232.9 63,006.2
Gross Loans 74,922.0 76,190.7 65,012.8 64,704.2
Reverse Repos and Cash Collateral 733.1 1,072.3 1,021.9 681.2
Derivatives 1,855.4 1,633.8 1,788.5 1,787.3
Non-earning Assets
Fixed Assets 877.9 900.5 962.7 999.9
Goodwill 921.1 757.8 617.5 585.0
Other Assets 261.6 368.8 125.2 144.5
Total Assets 100,437.4 97,099.2 82,822.9 80,378.1
Customer Deposits - Savings 3,374.6 2,844.8 n.a. 1,806.0
Funding
Subordinated Borrowing 960.2 1,382.4 941.5 1,343.7
Other Funding 17,887.6 14,697.5 13,260.9 13,144.5
Derivatives 2,011.4 1,716.5 1,679.9 1,690.0
Total Funding 91,228.3 88,033.0 74,141.8 72,981.9
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 899.2 1,004.2 1,098.2 750.0
Debt
Equity
Equity
Common Equity 5,461.5 5,159.7 4,726.3 4,627.2
Securities Revaluation Reserves -277.6 -327.5 56.7 -160.4
Foreign Exchange Revaluation Reserves 2.8 1.7 -2.1 0.2
Fixed Asset Revaluations and Other Accumulated -114.4 2.0 -10.9 -33.0
OCI
Total Equity 5,119.5 4,869.8 4,797.4 4,448.1
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
Assets%
Capitalization
Cash Dividend Paid & Declared/ Fitch 35.32 n.s. 22.64 74.17
Cash Dividends & Share Repurchase/Net Income% 29.46 29.69 31.92 49.99
Loan Quality
Growth of Gross Loans% 0.79 12.37 0.48 2.44
Impaired Loans less Reserves for Imp Loans/ Equity 48.66 35.62 19.44 -1.60
%
Foreclosed Assets%
Funding
%
Reference Data
Sheet
Guarantees 8,346.4 8,310.0 7,658.5 7,680.2

Acceptances and documentary credits reported off- 0.6 n.a. n.a. n.a.
balance sheet
Average Loans 73,618.6 67,219.8 64,601.0 64,833.4
Average Assets 96,709.9 87,329.8 81,485.4 79,515.0
Average Equity 5,089.1 4,967.9 4,649.8 4,545.8
Maturities
Loans & Advances 3 - 12 Months 13,982.4 n.a. n.a. n.a.
Loans and Advances 1 - 5 Years 20,376.6 n.a. n.a. n.a.
Loans & Advances > 5 years 26,402.0 n.a. n.a. n.a.
Debt Securities < 3 Months 2,225.3 n.a. n.a. n.a.

Debt Securities 3 - 12 Months 1,328.9 n.a. n.a. n.a.
Debt Securities 1 - 5 Years 5,404.8 n.a. n.a. n.a.
Debt Securities > 5 Years 4,557.0 n.a. n.a. n.a.
Interbank < 3 Months 1,349.8 n.a. n.a. n.a.

Interbank 3 - 12 Months 812.0 n.a. n.a. n.a.
Interbank 1 - 5 Years 0.3 n.a. n.a. n.a.
Interbank > 5 Years 0.0 n.a. n.a. n.a.
Retail Deposits < 3 months 20,278.6 n.a. n.a. n.a.

Retail Deposits 3 - 12 Months 18,086.7 n.a. n.a. n.a.
Retail Deposits 1 - 5 Years 12,243.5 n.a. n.a. n.a.
Retail Deposits > 5 Years 632.9 n.a. n.a. n.a.

Interbank 1 - 5 Years 4,476.3 n.a. n.a. n.a.
Interbank > 5 Years 1.6 n.a. n.a. n.a.

Senior Debt Maturing 3-12 Months 4,196.8 n.a. n.a. n.a.
Senior Debt Maturing 1- 5 Years 11,776.3 n.a. n.a. n.a.
Total Senior Debt on Balance Sheet 25,362.4 n.a. n.a. n.a.
Total Subordinated Debt on Balance Sheet 960.2 1,382.4 941.5 1,343.7
Net Income 235.9 382.9 526.3 675.9
Equity 5,119.5 4,869.8 4,797.4 4,448.1
as Equity
Add: Other Adjustments 0.0 0.0 0.0 0.0

interests)
on the B/S- CC only
Goodwill 921.1 757.8 617.5 585.0
securitizations
Eligible weighted Hybrid capital 1,264.2 1,320.8 1,049.1 375.0

Assets
Total Interest Expense on Customer Deposits 1,086.6 740.4 830.7 1,212.6
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 13,268.2 10,830.6 8,031.8 5,759.2

Asset Quality Data

Net Charge-offs
Recoveries 44.3 15.3 11.0 13.4
Net Charge-offs 773.7 596.1 129.4 63.0
Reserves

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 2,035.6 1,623.9 150.0 150.0

Profit/Loss Reserve/Income for the period net of 162.4 380.0 n.a. n.a.
dividends
Treasury Shares 174.4 n.a. 138.2 22.7
Valuation Reserves for AFS Securities in OCI Total -277.6 -327.5 56.7 -133.5
Valuation Reserves for FX in OCI 2.8 1.7 -2.2 0.1
Valuation Reserves in OCI - Other -84.1 6.0 1.1 -26.9
Total Valuation Reserves in OCI -358.9 -319.8 55.6 -160.3
Cash Flow Hedge Reserve -30.4 -3.9 -12.1 -33.0
Other OCI Reserves 224.5 167.3 n.a. n.a.
Total OCI Reserves -164.8 -156.4 43.5 -193.3
Total Other Equity Reserves -164.8 -156.4 43.5 -193.3
Interests
absorbing

Share Repurchase 0.0 0.0 0.0 0.0
Capital
Hybrid Capital Fitch Class C 899.2 1,004.2 1,098.2 750.0
Weighted Total of Fitch Hybrid Capital Classes 1,264.2 1,320.8 1,049.1 375.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 1,264.2 1,320.8 1,049.1 375.0
II
Risk Weighted Assets - Credit Risk 49,551.8 51,686.2 53,695.9 52,995.0
Risk Weighted Assets - Market Risk 555.8 230.4 188.2 14.7
Risk Weighted Assets - Operational Market Risk 4,348.4 4,087.4 3,744.8 3,347.6
Risk Weighted Assets - Other n.a. n.a. n.a. 129.4
II
Capital
Reverse repurchase agreements included in loans 1,286.7 3,132.8 0.0 0.0
Reverse repurchase agreements in assets - other 733.1 1,072.3 1,021.9 681.2
deposits
banks
Repurchase agreements included in liabilities - other 7,347.2 9,601.9 n.a. n.a.

Average Reverse repurchase agreements included 2,209.8 1,566.4 0.0 27.3
in loans

Deposits of Governments and Municipalities 2,983.7 1,282.6 n.a. n.a.
Government 2,232.8 1,032.7 890.2 426.2
Related Party Loans 1,460.6 726.3 n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 10.17 9.49 9.04 7.04
Equity / Net Loans 8.17 7.69 8.38 7.06
Operations
Dividend Pay-Out 29.46 29.69 31.92 49.99
Liquidity
Interbank Ratio 40.03 23.54 30.96 44.99
General information


ISIN number: ES0113860A34
SEDOL number: B1X8QN2
Ticker symbol: SAB

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Munchen
Boerse Stuttgart
IPO date: 4/18/2001
Market price - May 1.32 2.98 3.47 4.52 6.50 8.59 6.80 5.33

Price trends (%)

BETA


BOLSA DE MADRID)
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 02/08/2012 Banco de Sabadell absorbs Banco CAM (deal no. 1601394114)
2 20/07/2012 Banco Sabadell completes bond conversion (deal no.
1601090829)
3 06/07/2012 Banco Sabadell to sell Dexia Sabadell stake to Dexia Credit (deal
no. 1601385140)
4 25/06/2012 Solvia Development absorbs Solvia Properties (deal no.
1601389653)
5 07/06/2012 Banco de Sabadell completes sale of stake in Banco del Bajío to
Temasek Holdings and Banco del Bajío shareholders (deal no.
1601357286)
6 01/06/2012 Banco de Sabadell completes its acquisition of CAM from FROB

(deal no. 1601263092)
7 23/02/2012 CNM|V approves Banco Sabadell's capital increase (deal no.
1601332778)
8 23/02/2012 Banco de Sabadell to absorb Banco Guipuzcoano, Banco Urquijo
Sabadell, Bansabadell Professional and Axel Group (deal no.
1601346159)
9 26/01/2012 Ortiz Construcciones y Proyectos receives funding for its two

wind parks in Almeria (deal no. 1601337225)
10 03/01/2012 Banco Sabadell issues new shares in capital increase (deal no.
1601332759)
12 08/12/2011 Sabadell plans EUR 1bn cash call (deal no. 1601323526)
13 08/12/2011 Sabadell to carry out rights issue (deal no. 1601323526)
15 29/07/2011 Griñó Ecològic floats on MAB (deal no. 1601280170)
(deal no. 1601272090)
18 23/05/2011 Mayor-Vent buys shares in Banco Sabadell (deal no.
1601272808)
1601262318)
21 19/03/2011 Metrovacesa in debt-for-equity swap with six banks (deal no.
1601169886)
22 02/02/2011 Clifford Chance advises UBS on Banco de Sabadell capital
increase (deal no. 1601243074)
23 02/02/2011 Banco de Sabadell looking to sell BanSabadell Information
Systems (deal no. 1601243460)
24 30/12/2010 CommCenter floats on the MAB (deal no. 1601252661)
25 26/11/2010 Sabadell completes acquisition of Guipuzcoano: Second
conversion period for bonds announced (deal no. 1601195836)
26 09/08/2010 Sabadell United Bank acquires TransAtlantic Bank (deal no.

1601230327)
27 31/05/2010 Ahorro Desarrollo exits Freigel (deal no. 1601195883)
28 07/05/2010 Banco Sabadell takes stake in Air Miles España (deal no.
1601186631)
29 27/04/2010 T-Solar postpones IPO (deal no. 643864)
30 19/03/2010 BlackRock acquires stake in Banco de Sabadell (deal no.
1601175718)
31 11/02/2010 Reyal Urbis will exchange debt for assets (deal no. 1601159667)
32 04/02/2010 Highside Capital acquires shares in Banco Sabadell (deal no.

1601157424)
33 25/01/2010 Samlyn Capital acquires shares in Banco de Sabadell (deal no.
1601153958)
34 15/01/2010 Banco de Sabadell acquires Mellon United National Bank (deal
no. 1601074171)
35 15/01/2010 Eurofragance acquires factory from Cimasa (deal no.
1601150865)
36 05/01/2010 Eminence Capital and Eminence Fund Master acquire shares in
Banco Sabadell (deal no. 1601147838)
37 10/11/2009 Unicredit sells its stake in Banco Sabadell (deal no. 1601121463)
38 29/10/2009 Strategic Hotels & Resorts sells Four Seasons Mexico City (deal
no. 1601120264)
39 16/09/2009 Banco Sabadell sells a stake in Antena 3 (deal no. 1601114261)
40 11/09/2009 Banco Sabadell sells a stake in Antena 3 (deal no. 1601112670)
41 25/08/2009 Conatus Capital Management acquires a stake in Banco de

Sabadell (deal no. 1601107567)
42 06/08/2009 Calypso Capital Management acquires a stake in Banco de
44 27/07/2009 Banco de Sabadell may make new acquisitions (deal no.
1601098844)
45 27/07/2009 Banco de Sabadell may acquire BCP (deal no. 1601098851)
46 23/07/2009 Ullastres acquires Kelsa (deal no. 1601212539)
47 22/07/2009 Banco de Sabadell 'has its sights on Mellon United'
49 15/06/2009 Creditors take stake in SOS Cuetara (deal no. 1601089247)
50 15/05/2009 Conatus acquires stake in Sabadell (deal no. 1601078417)
Source : Zephyr
Boards & committees

= also shareholder
1. Mr. José Oliu Creus - Chairman BoD VI
P002179780 - Chairman, Management ExeB VI
Committee
2. Mr. Isak Andic Ermay - First Deputy Chairman BoD VI
P093485925 (since 25/11/2010)
3. Mr. José Javier Echenique - Executive Vice Chairman BoD VI
Landiribar (since 25/11/2010)
P002179718
4. Mr. José Manuel Lara Bosch - Second Deputy Chairman BoD VI
P002179775 (since 25/11/2010)
5. Mr. Miguel Bósser Rovira - Director BoD VI
P002179757
6. Mr. Francesc Casas Selvas - Director BoD VI
Committee
7. Mr. Héctor María Colonques - Director BoD VI
Moreno
P029603344
8. Mr. Sol Daurella Comadrán - Independent Director BoD VI
P002191708 (since 19/03/2009)
- Member, Audit and Control AudC, OthBC VI
Committee
9. Domingo Fatjó Sanmiquel - Honorary Director BoD VI
P088869032
10. Antonio Ferrer Sabater - Honorary Director BoD VI
P002196556
11. Mr. Joaquín Folch-Rusiñol - Director BoD VI
Corachán
P002179765
12. Dña. Maria Teresa García-Milá - Director BoD VI
Lloveras - Chair, Audit and Control AudC, OthBC VI
13. Mr. Jaime Guardiola Romojaro - Director BoD VI
P002179770 - Member, Management ExeB VI
Committee
14. Mr. Joan Llonch Andreu - Director BoD VI
Committee
15. Mr. José Ramón Martínez - Independent Director BoD VI
Sufrategui (since 18/09/2010)
P002179725
16. Mr. José Permanyer Cunillera - Non-executive Director BoD VI
P002179783 - Member, Executive Committee OthBC VI
17. Mr. Carlos Jorge Ramalho dos - Director BoD VI
Santos Ferreira
P002179784
18. Mr. José Luis Negro Rodríguez - Deputy Secretary to the Board BoD VI
P039812789 - Member, Management ExeB VI
Committee
- Secretary to the Executive OthBC VI
Committee
19. Mr. Miquel Roca i Junyent - Secretary of the Board of BoD VI
- Secretary, Audit and Control AudC, OthBC VI
Committee
20. Mr. Miguel Alabern i Comas - Member, Management ExeB VI
P039846520 Committee (BancSabadell
d'Andorra)
21. Cirus Andreu Cabot - Member, Management ExeB VI
P039812791 Committee (BanSabadell
Inversion)
22. Mr. Gonzalo Barettino Coloma - Member, Management ExeB VI
P042528473 Committee (Compliance, CSR
aand Corporate Governance)
22. - Member, Management ExeB VI
Committee (Compliance, CSR
aand Corporate Governance)
23. Mr. Lluis Buil Vall - Member, Management ExeB VI
24. Mr. José Canalias Puig - Member, Management ExeB VI
25. Mr. Miguel Costa Sampere - Member, Management ExeB VI
P043113386 Committee (BanSabadell
Fincom)
26. Mr. Iñaki Azaola Onaindía - Member, Management ExeB VI
27. Mr. Ramón de la Riva Reina - Member, Management ExeB VI
28. Pedro E. Sánchez Sologaistua - Member, Management ExeB VI
29. Mrs. María José García Beato - Member, Management ExeB VI
30. Mr. Rafael José García Nauffal - Member, Management ExeB VI
31. Mr. Salvador Grané Terradas - Member, Management ExeB VI
32. Mr. Joan-Mateu Grumé Sierra - Member, Management ExeB VI
33. Mr. Pablo Gerardo Junceda - Member, Management ExeB VI
Moreno Committee
P042365253
34. Mr. Juan Krauel Alonso - Member, Management ExeB VI
35. Mrs. Nuria Lázaro Rubio - Member, Management ExeB VI
P105905602 Committee (Internal Audit)
36. Mr. Jaime Matas Vallverdú - Member, Management ExeB VI
37. Mrs. Blanca Montero Corominas - Member, Management ExeB VI
38. Mr. Miquel Montes Güell - Member, Management ExeB VI
39. Mr. Fernando Pérez-Hickman - Member, Management ExeB VI
Muñoz Committee
P011650521
40. Mr. Ismael Picón García de - Member, Management ExeB VI
Leaniz Committee (Banco Urquijo)
P042189872
41. Mr. Jaume Puig Balsells - Member, Management ExeB VI
42. Mr. Raúl Rodríguez Sabater - Member, Management ExeB VI
P002525643 Committee (BS Capital)
43. Mr. Enric Rovira Masachs - Member, Management ExeB VI
44. Ramón Rovira Pol - Member, Management ExeB VI
45. Mr. Mario Trueba - Member, Management ExeB VI
P011368027 Committee (Sabadell United
Bank)
46. Mr. Tomas Varela Muiña - Member, Management ExeB VI
47. Mr. Javier Vela Hernández - Member, Management ExeB VI
48. Mr. Carlos Ventura Santamans - Member, Management ExeB VI
Management & staff
= also shareholder
1. Mr. Jaime Guardiola Romojaro - Managing Director SenMan VI
P002179770
2. Mr. Lluis Buil Vall - Assistant General Manager SenMan VI
P055322757 - Director, Barcelona Area Oper VI
3. Mr. Ignacio Camí Casellas - Assistant General Manager SenMan VI
P039812792
4. Mr. José Canalias Puig - Assistant General Manager SenMan VI
P088869033 - Director, Catalonia Oper VI
5. Mr. Ramón de la Riva Reina - Deputy General Manager SenMan VI
P042161306 - Director, Markets and Private MarkAdv, VI
Banking Oper
6. Pedro E. Sánchez Sologaistua - Assistant General Manager SenMan VI
P129552691 - Director, Northern Region Oper VI
7. Mr. Rafael José García Nauffal - Assistant General Manager SenMan VI
P042161649 - Director, Risk Oper VI
8. Mr. Salvador Grané Terradas - Assistant General Manager SenMan VI
P042789552 - Director, Real Estate Oper VI
Management
9. Mr. Joan-Mateu Grumé Sierra - Assistant General Manager SenMan VI
P043511605 - Director, Corporate Development Oper VI
10. Mr. Juan Krauel Alonso - Assistant General Manager SenMan VI

P042365252 - Director, Southern Region & Oper VI
Canary Islands
11. Mr. Jaime Matas Vallverdú - Assistant General Manager SenMan VI
P042365247 - Director, Valencia, Murcia & Oper VI
Balearic Islands
12. Mrs. Blanca Montero Corominas - Assistant General Manager SenMan VI
P042365250 - Director, Madrid, Castile & Oper VI
Galicia
13. Mr. Miquel Montes Güell - Deputy General Manager SenMan VI
P042161648 - Director, Operations and Oper VI
Corporate Development
14. Mr. Fernando Pérez-Hickman - Deputy General Manager SenMan VI
Muñoz - Director, Business Development Oper VI
P011650521 - Americas
15. Mr. Jaume Puig Balsells - Deputy General Manager SenMan VI
P011105356 - Director, Commercial Banking Oper VI
16. Mr. Enric Rovira Masachs - Assistant General Manager SenMan VI
P042075017 - Director, Corporate Banking and Oper VI
Global Operations
17. Ramón Rovira Pol - Assistant General Manager SenMan VI
P088869035 - Director, Communication and SenMan VI
Institutional Relations
18. Mr. Tomas Varela Muiña - Deputy General Manager SenMan VI
P039808160 - Chief Financial Officer/Finance FinAcc VI
Director
19. Mr. Javier Vela Hernández - Assistant General Manager SenMan VI
P042161305 - Director, Human Resources HR VI
20. Mr. Carlos Ventura Santamans - Assistant General Manager SenMan VI
P043141274 - Director, Corporate Banking Oper VI
21. Mrs. María José García Beato - Secretary General SenMan VI
P039808161 - Head of Legal Department LegDep VI
22. Mr. José Luis Negro Rodríguez - Comptroller General FinAcc VI
P039812789
23. Cirus Andreu Cabot - Director, Investment, Products R&D, Oper VI
and Research
23. - Director, Investment, Products R&D, Oper VI
P039812791 and Research
24. Mr. Pablo Gerardo Junceda - Director, Banco Herrero Oper VI
Moreno
P042365253

Ownership Source


1. AURICA XXI SOCIEDAD DE CAPITAL ES 100.00 100.00 1 UO+ RM 12/2011
RIESGO DE REGIMEN SIMPLIFICADO SA
2. BANCO ATLANTICO MONACO SAM MC 100.00 100.00 1 UO+ RM 12/2011
3. BANQUE POPULAIRE DE COTE D'AZUR MC 100.00 100.00 1 UO+ IP 08/2012
4. BANSABADELL CONSULTING SL ES 100.00 100.00 1 UO+ IP 08/2012
5. BANSABADELL CORREDURIA DE SEGUROS ES 100.00 100.00 1 UO+ RM 12/2011
SA VINCULADA A BANSABADELL VIDA
SOCIEDAD ANONIMA DE SEGUROS Y
REASEGUROS DEL GRUPO BAN
6. BANSABADELL FACTURA SL. ES 100.00 100.00 1 UO+ RM 12/2011

7. BANSABADELL FINANCIACION E F C SA ES 100.00 100.00 1 UO+ RM 12/2011
8. BANSABADELL FINCOM EFC SA ES 100.00 100.00 1 UO+ IP 08/2012
9. BANSABADELL HOLDING SL ES 100.00 100.00 1 UO+ RM 12/2011
10. BANSABADELL INVERSIO ES 100.00 100.00 1 UO+ RM 12/2011
DESENVOLUPAMENT SA
11. BANSABADELL INVERSION SA SOCIEDAD ES 100.00 100.00 1 UO+ RM 12/2011
GESTORA DE INSTITUCIONES DE
INVERSION COLECTIVA
12. BANSABADELL RENTING SL. ES 100.00 100.00 1 UO+ RM 12/2011

13. BANSABADELL SECURITIES SERVICES SL ES 100.00 100.00 1 UO+ RM 12/2011
14. CAJA DE AHORROS DEL MEDITERRANEO ES 100.00 100.00 1 UO+ WW 12/2011
CAM
15. GUIPUZCOANO CAPITAL SA ES 100.00 100.00 1 UO+ IP 08/2012
16. PROMOCIONES Y FINANCIACIONES ES 100.00 100.00 1 UO+ RM 12/2011
HERRERO SA
17. PROTEO BANKING SOFTWARE SL ES 100.00 100.00 1 UO+ IP 08/2012
18. SABADELL ASIA TRADE SERVICES LTD HK 100.00 100.00 1 UO+ IP 08/2012
19. SABADELL CORPORATE FINANCE S.L. ES 100.00 100.00 1 UO+ IP 08/2012
20. SABADELL INTERNATIONAL EQUITY LTD GB 100.00 100.00 1 UO+ RM 12/2011
21. SABADELL SECURITIES USA INC US 100.00 100.00 1 UO+ RM 12/2011
22. SERVICIO DE ADMINISTRACION DE ES 100.00 100.00 1 UO+ RM 12/2011
INVERSIONES SA
23. SERVICIOS REUNIDOS S.A. ES 100.00 100.00 1 UO+ RM 12/2011
24. SINIA RENOVABLES SOCIEDAD DE ES 100.00 100.00 1 UO+ IP 08/2012
CAPITAL RIESGO DE REGIMEN
SIMPLIFICADO SA
25. SOLVIA ATLANTIC LLC US 100.00 100.00 1 UO+ RM 12/2011

26. SOLVIA DEVELOPMENT SL ES 100.00 100.00 1 UO+ IP 08/2012
27. SOLVIA HOTELS SL ES 100.00 100.00 1 UO+ RM 12/2011
28. SOLVIA HOUSING SL ES 100.00 100.00 1 UO+ IP 08/2012
29. URQUIJO PATRIMONIO PRIVADO 2 FI. ES 100.00 100.00 1 UO+ IP 08/2012
30. SABADELL BRASIL TRADE SERVICES BR 99.99 100.00 1 UO+ RM 12/2011
ASSESSORIA COMERCIAL LTDA
31. EUROPA INVEST SA LU 22.00 100.00 1 UO+ RM 12/2011
32. ALFONSO XII 16 INVERSIONES SL ES - 100.00 1 UO RM 12/2011
33. BALLERTON SERVICIOS SL ES - 100.00 1 UO+ RM 12/2011
34. BLUESKY PROPERTY DEVELOPMENT SL ES - 100.00 1 UO RM 12/2011
35. COMPANIA DE COGENERACION DEL DO - 100.00 1 UO+ RM 12/2011
CARIBE DOMINICANA SA
36. COMPAÑIA DE COGENERACION DEL ES - 100.00 1 UO+ RM 12/2011
CARIBE SL
37. CRÉDITO INMOBILIARIO, S.A. DE C.V., MX - 100.00 1 UO+ WW 06/2012
SOCIEDAD FINANCIERA DE OBJETO
MÚLTIPLE, E.N.R.
38. EXPLOTACIONES ENERGETICAS SINIA XXI ES - 100.00 1 UO+ RM 12/2011

SL
39. GAZTELUBERRI GESTION SL ES - 100.00 1 UO RM 12/2011
40. GAZTELUBERRI SL ES - 100.00 1 UO+ RM 12/2011
41. GRAO CASTALIA SOCIEDAD LIMITADA ES - 100.00 1 UO RM 12/2011
42. GUIPUZCOANO PROMOCION EMPRESARIAL ES - 100.00 1 UO+ RM 12/2011
SL
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44. HOBALEAR SA ES - 100.00 1 UO+ RM 12/2011
45. INTERSTATE PROPERTY HOLDINGS LLC US - 100.00 1 UO+ RM 12/2011
46. JEREZ SOLAR S.L. ES - 100.00 1 UO RM 12/2011
47. MARIÑAMENDI SL ES - 100.00 1 UO+ RM 12/2011
48. PARQUE EOLICO LOMA DEL CAPON SL ES - 100.00 1 UO+ RM 12/2011
49. PROMOCIONES Y DESARROLLOS ES - 100.00 1 UO RM 12/2011
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50. RESIDENCIAL KATAORIA SOCIEDAD ES - 100.00 1 UO RM 12/2011
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51. SON BLANC CALETA SOCIEDAD LIMITADA ES - 100.00 1 UO RM 12/2011
52. TENEDORA DE INVERSIONES Y ES - 100.00 1 UO+ WW 06/2012

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53. TIERRAS VEGA ALTA DEL SEGURA SL ES - 100.00 1 UO RM 12/2011
54. URQUIJO GESTION SA SGIIC ES - 100.00 1 UO+ RM 12/2011
55. BANCO ATLANTICO (BAHAMAS) BANK & BS 99.99 n.a. 1 UO+ IP 08/2012
TRUST LIMITED
56. BITARTE SA ES 99.99 n.a. 1 UO+ IP 08/2012
57. EASO BOLSA SA ES 99.99 n.a. 1 UO+ IP 08/2012
58. GUIPUZCOANO VALORES SA ES 99.99 n.a. 1 UO+ IP 08/2012
59. HONDARRIBERRI SL ES 99.99 n.a. 1 UO+ IP 08/2012
60. URDIN ORIA SA ES 99.98 n.a. 1 UO+ IP 08/2012
61. URUMEA GESTION SL ES 99.98 n.a. 1 UO+ IP 08/2012
62. ZURRIOLA INVERSIONES SA ES 99.98 n.a. 1 UO+ IP 08/2012
63. EUROPEA PALL MALL LIMITED GB WO WO 1 UO+ IP 09/2012
64. EDERRA, SA ES 97.85 n.a. 1 UO IP 08/2012
65. SABADELL UNITED BANK NATIONAL US 94.78 n.a. 1 UO RM 12/2011
ASSOCIATION
66. BANSABADELL INFORMATION SYSTEMS SA ES 81.00 n.a. 1 UO RM 12/2011
67. HAYGON LA ALMAZARA SL ES - 75.00 1 UO RM 12/2011

68. EMTE RENOVABLES SL ES - 62.11 1 UO RM 12/2011
69. ENERGIAS RENOVABLES SIERRA ES - 62.10 1 UO RM 12/2011
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70. EOLICA SIERRA SESNANDEZ SL ES - 62.10 1 UO RM 12/2011
71. GUIPUZCOANO CORREDURIA DE SEGUROS ES 60.00 n.a. 1 UO IP 08/2012
DEL GRUPO BANCO GUIPUZCOANO SA
72. ASSEGURANCES SEGUR VIDA SA ES - 50.97 1 UO RM 12/2011

73. BANCSABADELL D'ANDORRA AD 50.97 n.a. 1 UO IP 08/2012
74. SABADELL D'ANDORRA INVERSIONS AD - 50.67 1 UO RM 12/2011
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76. COMPANIA DE ELECTRICIDAD Y DO MO n.a. 1 UO IP 04/2011
COGENERACION DE UVERO, S.A.
77. TITULOS BILBAO, SICAV, SA ES MO n.a. 1 UO IP 08/2012
78. BANSABADELL PENSIONES E G F P SA ES 50.00 n.a. 1 - IP 08/2012
79. BANSABADELL SEGUROS GENERALES SA ES 50.00 n.a. 1 - IP 08/2012
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84. GATE SOLAR SL ES 50.00 n.a. 1 - IP 08/2012
85. GAVIEL SA ES 50.00 n.a. 1 - RM 12/2011
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88. INERBAN PROYECTOS SL ES 50.00 n.a. 1 UO+ IP 08/2012
89. LOGISTIC FINANCIAL NETWORK S.L. ES 50.00 n.a. 1 - IP 09/2011
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97. SABADELL BS SELECT FUND OF HEDGE LU 49.11 n.a. 1 - RM 12/2011
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Watch
IFRS IFRS IFRS IFRS

Unqualified Audited Not Audited Audited
Original Original Restated Original
31/12/2007 31/12/2006 31/12/2005 31/12/2004
61,999.3 54,557.3 40,828.5 33,606.7

63,219.3 55,633.0 41,642.7 34,323.1
1,220.0 1,075.7 814.2 716.4
10,282.7 11,400.0 6,906.2 8,975.3
3,574.1 6,928.1 2,841.2 4,717.3
869.0 425.0 396.6 347.7
5,834.7 4,029.5 3,597.6 3,122.7
4.9 17.4 70.8 787.6
72,282.0 65,957.3 47,734.7 42,582.0
980.5 982.1 1,069.8 1,101.7
3,513.5 5,840.4 3,515.9 2,025.5
76,776.0 72,779.8 52,320.4 45,709.2
41,388.1 38,759.8 30,896.6 28,938.5

30,986.4 26,812.9 20,819.8 19,626.4
1,605.6 3,133.5 4,253.9 3,996.9
8,796.1 8,813.4 5,822.9 5,315.2
26,032.0 22,565.9 12,652.6 9,379.3
858.6 369.2 102.8 87.1
4.6 4.2 4.2 0.0
25,168.8 22,192.5 12,545.6 9,292.2
4,330.0 6,761.7 4,550.8 3,398.3
89.0 n.a. n.a. n.a.
332.3 497.1 463.7 566.6
4,604.6 4,195.3 3,756.7 3,426.5
76,776.0 72,779.8 52,320.4 45,709.2
324.2 238.0 195.9 219.4

1,309.0 1,075.7 814.2 716.4
4,961.9 8,133.2 3,659.8 5,470.3
741.1 627.3 51.2 36.8
31,217.0 29,922.4 n.a. n.a.
750.0 757.6 0.0 n.a.

1,461.9 1,767.6 1,040.9 1,048.2

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1,317.3 1,097.9 976.6 922.0
889.1 748.6 619.9 612.6
36.0 36.4 41.6 8.7
0.0 n.a. n.a. n.a.
630.2 550.3 447.1 420.9

222.9 161.9 131.2 183.0
1,168.5 1,032.5 892.0 906.7
189.7 241.8 144.1 166.3
141.6 57.6 32.7 85.6
989.8 629.8 593.1 547.2
202.2 273.3 176.9 173.0
787.6 911.3 455.0 374.2
2,183.6 1,828.0 1,583.8 1,468.7
342.7 253.9 205.0 153.0
10.87 11.42 11.49 n.a.

7.22 7.33 7.96 n.a.
6,748.0 6,496.6 5,074.7 n.a.
4,484.5 4,170.7 3,515.3 n.a.
60.3 50.7 65.7 50.8
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
3,158.8 2,279.6 1,582.1 1,442.3

530.0 197.1 156.1 129.2
25.7 22.2 16.8 17.6
3,714.5 2,498.9 1,755.0 1,589.1
1,055.1 665.5 404.9 406.4

1,342.1 735.5 373.5 260.7
2,397.2 1,401.0 778.4 667.1
1,317.3 1,097.9 976.6 922.0
36.0 36.4 41.6 8.7

36.4 0.0 0.0 19.5
0.0 n.a. n.a. n.a.
78.4 59.8 43.7 41.1

630.2 550.3 447.1 420.9
85.3 83.6 74.8 56.5
866.3 730.1 607.2 546.7
698.9 605.6 535.4 534.0
469.6 426.9 356.6 372.7
1,168.5 1,032.5 892.0 906.7
22.8 18.5 12.7 65.9

1,037.9 814.0 704.5 627.9
189.7 241.8 144.1 166.3
1.5 2.5 0.0 n.a.
846.7 569.7 560.4 461.6
0.0 n.a. n.a. n.a.

113.9 28.5 23.4 21.8
0.0 8.3 0.0 0.0
0.0 n.a. n.a. n.a.
29.2 39.9 9.3 63.8
989.8 629.8 593.1 547.2
202.2 273.3 176.9 173.0
0.0 554.8 38.8 0.0
787.6 911.3 455.0 374.2
-40.7 20.0 38.0 79.5

n.a. n.a. n.a. n.a.
-9.5 n.a. 0.2 0.0
-5.0 n.a. 0.0 0.0
732.4 931.3 493.2 453.7
5.3 2.9 1.8 1.0
782.3 908.4 453.2 373.2
342.7 253.9 205.0 153.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. 11,247.0 10,410.6 9,610.5
n.a. 44,235.0 31,037.5 24,461.9
63,219.3 151.0 194.6 250.7
1,220.0 1,075.7 814.2 716.4
61,999.3 54,557.3 40,828.5 33,606.7
63,219.3 55,633.0 41,642.7 34,323.1
324.2 238.0 195.9 219.4
0.0 n.a. n.a. n.a.
2,311.5 6,928.1 2,841.2 4,717.3

1,262.6 n.a. n.a. n.a.
167.0 300.4 265.2 220.5
869.0 425.0 396.6 347.7
5,420.5 3,499.4 3,084.0 2,779.2
0.0 0.0 0.0 0.0
247.2 229.7 248.4 123.0
0.0 n.a. n.a. n.a.
7,966.3 4,454.5 3,994.2 3,470.4
1,454.5 1,211.7 1,220.5 1,214.3
1,545.9 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
4.9 5.0 n.a. n.a.
0.0 12.4 70.8 787.6
72,282.0 65,957.3 47,734.7 42,582.0
1,220.8 904.7 553.4 532.5

n.a. n.a. n.a. n.a.
13.1 n.a. n.a. n.a.
980.5 982.1 1,069.8 1,101.7
595.8 481.3 0.0 0.0
145.3 146.0 51.2 36.8
119.3 52.5 72.1 11.5
707.5 710.7 762.3 665.4
0.0 n.a. n.a. n.a.
711.7 3,545.2 2,076.9 779.3
76,776.0 72,779.8 52,320.4 45,709.2
13,491.1 15,582.9 11,658.5 10,669.8

1,860.6 2,106.0 2,041.6 1,942.1
15,634.7 9,124.0 7,119.7 7,014.5
30,986.4 26,812.9 20,819.8 19,626.4
1,605.6 3,133.5 4,253.9 3,996.9
n.a. n.a. n.a. n.a.
8,796.1 8,813.4 5,822.9 5,315.2
41,388.1 38,759.8 30,896.6 28,938.5
22,956.9 19,667.3 11,504.7 8,244.0

1,461.9 1,767.6 1,040.9 1,048.2
n.a. n.a. n.a. n.a.
24,418.8 21,434.9 12,545.6 9,292.2
858.6 369.2 102.8 87.1
4.6 4.2 4.2 0.0
66,670.1 60,568.1 43,549.2 38,317.8
0.0 0.0 0.0 0.0

89.0 n.a. n.a. n.a.
332.3 497.1 463.7 566.6
60.6 268.0 31.9 31.3
124.5 167.1 135.4 22.9
0.0 n.a. n.a. n.a.
0.0 1.2 122.6 0.0
3,018.5 2,765.7 2,309.8 2,077.7
1,126.4 3,559.7 1,951.1 1,266.4
71,421.4 67,826.9 48,563.7 42,282.7
750.0 757.6 0.0 n.a.
0.0 n.a. 250.0 250.0
4,501.4 4,041.2 3,373.6 3,083.2

21.3 17.5 16.0 13.8
91.0 137.5 117.5 79.5
-2.6 -0.4 n.a. n.a.
-6.5 -0.5 -0.4 0.0
4,604.6 4,195.3 3,506.7 3,176.5

76,776.0 72,779.8 52,320.4 45,709.2
3,863.5 n.a. n.a. n.a.
4,238.5 n.a. n.a. n.a.
5.49 4.44 4.17 n.a.

3.68 2.60 2.00 n.a.
5.52 4.15 3.89 n.a.

3.87 2.54 1.90 n.a.
1.96 1.82 2.16 n.a.

1.68 1.42 1.84 n.a.
1.96 1.82 2.16 n.a.
39.67 39.94 38.34 37.22

53.51 56.48 56.32 61.73
1.61 1.59 1.82 n.a.
24.17 20.78 21.08 n.a.
1.43 1.25 1.44 n.a.
18.42 30.01 20.45 26.49
19.72 14.55 16.77 n.a.

1.17 0.87 1.14 n.a.
20.43 43.39 29.83 31.62
1.69 1.45 1.61 n.a.
1.38 1.01 1.28 n.a.
18.34 23.27 13.62 n.a.

1.08 1.40 0.93 n.a.
17.06 23.78 14.76 n.a.
1.01 1.43 1.01 n.a.
1.08 n.a. n.a. n.a.
1.28 1.62 1.04 n.a.

1.19 1.66 1.13 n.a.
6.30 n.a. n.a. n.a.

6.91 n.a. n.a. n.a.
5.08 4.95 5.61 5.50
7.22 7.33 7.96 n.a.
10.87 11.42 11.49 n.a.
6.09 n.a. n.a. n.a.
6.00 5.76 6.70 6.95
43.51 27.86 45.05 40.89
46.79 27.26 41.57 33.72
43.51 n.a. n.a. n.a.

9.66 15.67 7.13 6.96
5.49 39.10 14.46 n.a.

13.54 33.60 21.33 n.a.
0.51 0.43 0.47 0.64
1.93 1.93 1.96 2.09
376.31 451.97 415.62 326.53
-19.45 -19.97 -17.63 -15.65
0.33 0.47 0.38 n.a.

0.10 0.10 0.17 n.a.
0.53 0.43 0.47 0.64
203.85 207.49 200.01 174.88

143.96 221.10 66.79 118.02
47.08 44.54 47.92 51.34
349.8 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
7,574.6 8,218.8 n.a. n.a.

n.a. n.a. n.a. n.a.
21,570.2 n.a. n.a. n.a.

1,722.4 21,703.6 n.a. n.a.
107,993.0 102,702.2 52,320.4 45,709.2
61,351.9 56,159.9 43,681.4 n.a.
0.0 n.a. n.a. n.a.
61,351.9 56,159.9 43,681.4 n.a.
57,584.1 51,304.9 37,982.9 n.a.

67,238.4 60,165.1 45,158.4 n.a.
72,663.5 65,117.4 49,014.8 n.a.
349.8 n.a. n.a. n.a.
61,932.0 55,165.2 40,933.5 n.a.
4,136.9 3,800.2 3,228.4 n.a.
4,293.9 3,916.6 3,341.6 n.a.
28,689.8 25,613.3 20,223.1 n.a.
n.a. n.a. 7,079.3 6,217.1

n.a. n.a. 6,246.4 5,304.1
n.a. n.a. 12,076.4 10,219.7
n.a. n.a. 16,240.6 12,582.2
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,347.2 1,513.3 758.1 1,540.8

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,461.9 1,767.6 1,040.9 1,048.2
n.a. n.a. n.a. n.a.
787.6 911.3 455.0 374.2

n.a. n.a. n.a. n.a.
787.6 n.a. n.a. n.a.
4,604.6 4,195.3 3,506.7 3,176.5

0.0 n.a. 250.0 250.0
0.0 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
4,604.6 4,195.3 3,506.7 3,176.5
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0

595.8 481.3 0.0 0.0
145.3 146.0 51.2 36.8
0.0 543.6 553.7 665.4
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
3,863.5 n.a. n.a. n.a.

375.0 757.6 250.0 n.a.
0.0 n.a. n.a. n.a.
4,238.5 n.a. n.a. n.a.
1,655.8 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,158.8 2,279.6 1,582.1 1,442.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,055.1 665.5 404.9 406.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1.0 4.8 4.1 1.5
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
8.1 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
9.1 4.8 4.1 1.5
3,224.9 1,856.6 1,492.9 1,183.8
1,453.5 1,206.9 1,216.4 1,212.8

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
742.1 435.9 374.7 382.6
n.a. n.a. n.a. n.a.
5,420.5 3,499.4 3,084.0 2,779.2
0.0 0.0 0.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 0.0
1,453.5 1,206.9 1,216.4 1,212.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
750.2 435.9 374.7 382.6
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
60.3 50.7 65.7 50.8
1,087.8 984.5 726.9 595.2

131.9 91.4 91.2 129.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,526.3 1,526.3 1,526.3 1,526.3
n.a. n.a. n.a. n.a.

2,975.1 2,514.9 1,847.3 1,556.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
21.3 17.5 16.0 13.8
4,583.3 4,177.8 3,490.7 3,162.7
4,604.6 4,195.3 3,373.6 3,083.2
96.8 137.5 117.5 79.5
-9.9 -0.4 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 0.0
86.9 137.1 117.5 79.5
-5.0 -0.4 -0.6 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
81.9 136.7 116.9 79.5
n.a. n.a. n.a. n.a.
81.9 136.7 116.9 79.5
0.0 n.a. 250.0 250.0
4,604.6 4,195.3 3,756.7 3,426.5
0.0 0.0 0.0 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

158.2 253.9 205.0 153.0
342.7 253.9 205.0 153.0
0.0 n.a. n.a. n.a.
0.0 n.a. 553.7 665.4
n.a. 146.0 n.a. n.a.

0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
750.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 757.6 250.0 n.a.
375.0 757.6 250.0 n.a.
375.0 757.6 250.0 n.a.
4,484.5 4,170.7 3,515.3 n.a.

6,748.0 6,496.6 5,074.7 n.a.
7.22 7.33 7.96 n.a.
10.87 11.42 11.49 n.a.
61,351.9 56,159.9 43,681.4 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7,966.3 4,454.5 3,994.2 3,470.4

1,545.9 n.a. n.a. n.a.
6,420.4 4,454.5 3,994.2 3,470.4
54.5 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
1,262.6 n.a. n.a. n.a.

0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.

54.5 n.a. n.a. n.a.
10,234 10,066 9,628 9,443

1,225 1,204 1,091 1,104
7.22 7.33 7.96 n.a.
6.09 n.a. n.a. n.a.
10.87 11.42 11.49 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
266.3 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.07 1.93 1.96 2.09

14.40 22.02 14.76 18.04
403.76 451.98 415.62 326.53
0.51 0.43 0.47 0.64
0.10 0.10 0.17 0.15
6.17 4.40 10.97 9.40
7.04 5.67 5.22 6.40
n.a. n.a. n.a. n.a.
7.22 7.33 7.96 n.a.

10.87 11.42 11.49 n.a.
6.00 5.76 7.18 7.50
7.43 7.69 9.20 10.20
11.13 10.82 12.16 11.84
6.58 6.35 7.91 8.31
8.88 9.23 9.17 9.79
10.99 12.32 11.75 13.32
16.47 17.34 15.53 15.46
9.74 10.17 10.10 10.85
21.45 26.30 21.70 23.43
1.91 1.93 2.16 2.17

1.76 1.76 1.99 2.02
1.19 1.20 1.27 1.34
1.82 2.04 2.11 2.35
1.13 0.92 1.14 1.01
-0.08 -0.35 -0.29 -0.19
1.05 1.46 0.93 0.82
17.90 22.92 12.67 10.92
43.51 27.86 45.06 40.89
10.11 16.53 6.96 6.46
17.98 6.32 7.19 22.88
52.96 55.92 55.87 59.08
1.39 1.30 1.44 1.37
222.60 221.10 66.79 118.02

80.75 74.96 78.04 73.52
149.80 140.76 132.15 116.13
95.08 92.78 96.05 90.17
11.99 20.98 11.85 18.90
7.61 13.83 8.61 14.68
2005
4.90
4.81
4.83
4.84
5.33
5.34
5.27
5.28
5.32
5.51
5.44
5.54
Op.
Date of Vari- No of
Revenue
(mil USD)*
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.

08/2012 - n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ð 1.0 1.0
12/2011 ð 2.0 n.a.

12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ð 5.0 1.0
12/2011 ð - -
12/2011 ð n.a. n.a.
12/2011 ð 47.0 19.0

12/2011 ð n.a. n.a.
12/2011 - 1,647.0 n.a.
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.

08/2012 ð n.a. n.a.
08/2012 ð 3.0 15.0
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.

08/2012 ð 190.0 4.0
12/2011 ð n.a. n.a.
08/2012 ð 1.0 1.0
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð 2.0 2.0
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ö n.a. 1.0
06/2012 - 202.0 348.0
12/2011 ð <0,5 n.a.
12/2011 ð n.a. n.a.

12/2011 ð 18.0 5.0
12/2011 ð n.a. n.a.
12/2011 ð <0,5 3.0
12/2011 ð n.a. n.a.

12/2011 ð <0,5 n.a.
12/2011 ð n.a. n.a.
12/2011 ö n.a. n.a.
12/2011 ð 3.0 2.0
12/2011 - <0,5 n.a.
12/2011 ð 1.0 n.a.
12/2011 ð 6.0 n.a.
12/2011 ð n.a. n.a.
06/2012 - 71.0 30.0

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 ø n.a. n.a.
08/2012 ø n.a. n.a.

08/2012 ø n.a. n.a.
08/2012 ø n.a. n.a.
08/2012 ø 2.0 n.a.
08/2012 ø n.a. n.a.
08/2012 ø <0,5 n.a.
08/2012 ø n.a. n.a.
09/2012 ø 1.0 3.0
08/2012 ð 1.0 1.0
12/2011 ö 114.0 533.0
12/2011 ð 153.0 209.0
12/2011 ð 2.0 n.a.

12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.

08/2012 ð 3.0 26.0
12/2011 ð n.a. n.a.

08/2012 ð 32.0 n.a.
12/2011 ø n.a. n.a.
12/2011 ø n.a. n.a.

04/2011 ð n.a. 6.0
08/2012 - <0,5 n.a.

08/2012 ð n.a. n.a.
08/2012 ð 42.0 37.0
12/2011 ð 3,280.0 29.0
09/2011 ð n.a. n.a.

12/2011 - <0,5 n.a.
12/2011 ð n.a. n.a.
08/2012 ð <0,5 n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.

08/2012 ð n.a. n.a.
09/2011 ð n.a. n.a.
06/2012 - n.a. n.a.

12/2011 ð n.a. n.a.
06/2012 - 253.0 3,500.0

09/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

06/2012 - <0,5 n.a.
12/2011 ð n.a. n.a.
12/2011 ø n.a. n.a.
06/2012 - n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ð 8.0 n.a.
Caixa d'Estalvis de Catalunya, Tarragona i Manresa-Catalunya Caixa
08003 BARCELONA BvD ID number ESG65345472

Status Active
Contact details
Plaça Antoni Maura, 6 Phone number +93 484 50 00

Fax number +93 484 51 41
08003 BARCELONA Web Site Address www.catalunyacaixa.com
SPAIN
Bank History :
In July 2010, Catalunya Caixa was created by the merger of Caja de Ahorros de Cataluña, Caixa d'Estalvis de Tarragona
and Caixa d'Estalvis de Manresa. On October 7, 2011 Catalunya Banc SA acquired banking business of Caixa d'Estalvis
de Catalunya, Tarragona i Manresa.
Accounting Standards International Financial Nickname CACTM
Types of accounts Cons. & Uncons. Model ALLBANKS
available
BvD indep. indicator U

No of recorded 1
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Original Original
31/12/2011 31/12/201
mil EUR mil EUR
BALANCE SHEET
Assets
Loans 48,411.7 51,704.3
Gross Loans 51,587.1 51,704.3
Less: Reserves for Impaired Loans/ NPLs 3,175.4 n.a.
Derivatives 1,925.5 1,617.3
Remaining earning assets 1,571.8 1,416.1
Fixed Assets 894.0 1,233.7
Total Assets 77,049.0 76,584.8

Other Deposits and Short-term Borrowings n.a. n.a.
Other (Non-Interest bearing) 733.5 638.5
Other Reserves 271.0 706.9
Equity 2,258.6 2,106.4
Notes
Loan Loss Reserves (Memo) 3,175.4 n.a.
Hybrid Capital (Memo) n.a. n.a.

Subordinated Debts (Memo) 3,240.0 3,277.7
INCOME STATEMENT
Original Original
31/12/2011 31/12/201
12 months 6 months0
mil EUR mil EUR
Net Interest Revenue 594.7 325.5
Net Gains (Losses) on Trading and Derivatives 9.7 -0.4
Net Gains (Losses) on Assets at FV through Income -0.1 13.6
Statement
Overheads 857.6 481.1
Loan Loss Provisions 1,253.0 3.3
Other -1,049.6 -46.8
Profit before Tax -2,001.7 11.9
Tax -665.4 -5.9
Net Income -1,336.3 17.8
Operating Income (Memo) 1,155.2 544.2

Total Capital 5,102.3 5,198.2
Tier 1 Capital 3,929.4 3,613.2
Net-Charge Offs -475.2 n.a.

Original Original
31/12/2011 31/12/201
mil EUR mil EUR
Income Statement
Interest Income on Loans 1,681.2 836.8
Other Interest Income 600.0 278.9
Interest Expense on Customer Deposits 1,033.6 591.5

Other Interest Expense 785.1 217.6
Total Interest Expense 1,818.7 809.1
Net Interest Income 594.7 325.5
Net Gains (Losses) on Trading and Derivatives 9.7 -0.4

Net Gains (Losses) on Other Securities 138.4 n.a.
Net Gains (Losses) on Assets at FV through Income -0.1 13.6
Statement
Net Insurance Income n.a. n.a.
Total Non-Interest Operating Income 560.5 218.7
Personnel Expenses 541.0 279.8
Other Operating Expenses 316.6 201.3
Total Non-Interest Expenses 857.6 481.1
Equity-accounted Profit/ Loss - Operating 3.3 -1.1

Pre-Impairment Operating Profit 300.9 62.0
Loan Impairment Charge 1,253.0 3.3
Operating Profit -962.9 55.0
Equity-accounted Profit/ Loss - Non-operating n.a. 2.7

Other Non-operating Income and Expenses -1,038.8 -45.8
Pre-tax Profit -2,001.7 11.9
Tax expense -665.4 -5.9
Net Income -1,336.3 17.8

Currency Translation Differences -36.1 n.a.
Fitch Comprehensive Income -1,532.6 17.8
Memo: Profit Allocation to Non-controlling Interests -1.1 -0.3
Memo: Net Income after Allocation to Non-controlling -1,335.2 18.1
Interests
Balance Sheet
Assets
Loans
Other Loans 51,587.1 51,704.3
Less: Reserves for Impaired Loans/ NPLs 3,175.4 n.a.
Net Loans 48,411.7 51,704.3
Gross Loans 51,587.1 51,704.3
Reverse Repos and Cash Collateral n.a. n.a.
Trading Securities and at FV through Income 47.7 223.4
Investments in Property 1,571.8 1,416.1
Insurance Assets n.a. n.a.
Non-earning Assets
Cash and Due From Banks 582.5 424.9
Foreclosed Real Estate n.a. n.a.
Fixed Assets 894.0 1,233.7
Goodwill n.a. n.a.
Deferred Tax Assets 1,968.2 922.7
Other Assets 4,500.5 4,443.8
Total Assets 77,049.0 76,584.8
Customer Deposits - Savings 853.1 773.4
Repos and Cash Collateral n.a. n.a.
Other Deposits and Short-term Borrowings n.a. n.a.
Senior Debt Maturing after 1 Year n.a. n.a.
Subordinated Borrowing 3,240.0 3,277.7
Other Funding 515.3 503.9
Total Funding 73,785.9 73,133.0
Reserves for Pensions and Other 271.0 706.9
Insurance Liabilities n.a. n.a.
Other Liabilities 166.0 154.9
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as Debt n.a. n.a.
Equity
Common Equity 2,317.6 2,106.0
Securities Revaluation Reserves -38.6 -8.5
Foreign Exchange Revaluation Reserves -27.7 n.a.
Fixed Asset Revaluations and Other Accumulated OCI n.a. n.a.
Total Equity 2,258.6 2,106.4
Memo: Fitch Core Capital 275.5 n.a.
Memo: Fitch Eligible Capital 275.5 n.a.
Summary Analytics
Interest Ratios
Customer Deposits%
Net Int. Inc Less Loan Impairment Charges/ Av. Earning -0.96 n.a.
Assets%
Earning Assets%
Op. Profit%
Operating Profit/ Average Equity% -44.12 n.a.
Operating Profit/ Average Total Assets% -1.25 n.a.
Taxes/ Pre-tax Profit% 33.24 -49.58
Pre-Impairment Operating Profit / Risk Weighted Assets% n.a. 0.25
Operating Profit / Risk Weighted Assets% n.a. 0.22

Net Income/ Average Total Equity% -61.23 n.a.
Net Income/ Average Total Assets% -1.74 n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% n.a. 0.07
Fitch Comprehensive Income/ Risk Weighted Assets% n.a. 0.07
Capitalization
Fitch Core Capital/Weighted Risks% n.a. n.a.
Fitch Eligible Capital/ Weighted Risks% n.a. n.a.
Income%
Net Income - Cash Dividends/ Total Equity% -59.16 1.68
Loan Quality
Growth of Total Assets% 0.61 n.a.
Reserves for Impaired Loans/ Gross loans% 6.16 n.a.
Reserves for Impaired Loans/ Impaired Loans% 83.70 n.a.
Impaired Loans less Reserves for Imp Loans/ Equity% 27.37 n.a.
Net Charge-offs/ Average Gross Loans% -0.92 n.a.
Foreclosed Assets%
Funding
Reference Data
Guarantees 2,212.4 2,359.9
Acceptances and documentary credits reported off- 79.6 61.4
balance sheet
Memo: Total Weighted Risks n.a. 48,595.2
Fitch Adjusted Weighted Risks n.a. 48,595.2
Maturities
Loans & Advances < 3 months n.a. 3,329.1
Loans & Advances 3 - 12 Months n.a. 2,988.1
Loans and Advances 1 - 5 Years n.a. 6,471.7
Loans & Advances > 5 years n.a. 38,915.4

Interbank < 3 Months n.a. 1,630.7

Interbank 3 - 12 Months n.a. 27.3
Interbank 1 - 5 Years n.a. 0.7
Interbank > 5 Years n.a. 31.2




Total Subordinated Debt on Balance Sheet 3,240.0 3,277.7
Net Income -1,336.3 17.8
Published Net Income -1,336.3 17.8
Equity 2,258.6 2,106.4
Add: Pref. Shares and Hybrid Capital accounted for as n.a. n.a.
Equity
Published Equity 2,258.6 2,106.4

interests)
Fair value effect incl in own debt/borrowings at fv on the 0.0 n.a.
B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 n.a.
Goodwill 0.0 n.a.
Deferred tax assets deduction 1,968.2 922.7
Net asset value of insurance subsidiaries 0.0 n.a.
First loss tranches of off-balance sheet securitizations 0.0 n.a.
Fitch Core Capital 275.5 n.a.
Eligible weighted Hybrid capital 0.0 n.a.
Government held Hybrid Capital 0.0 n.a.
Fitch Eligible Capital 275.5 n.a.
Eligible Hybrid Capital Limit 118.1 n.a.
Total Interest Income on Loans 1,681.2 836.8
Total Interest Expense on Customer Deposits 1,033.6 591.5
Borrowing
Securities
breakdown)
Statement - Banks
Statement

breakdown)
Asset Quality Data

Net Charge-offs
Gross Charge-offs 388.1 n.a.
Recoveries 863.3 n.a.
Net Charge-offs -475.2 n.a.
Reserves
Collective/General Loan Impairment Reserves 52.4 n.a.
Individual/Specific Loan Impairment Reserves 3,123.0 n.a.

Capital
Eligible Capital
Retained Earnings n.a. n.a.
Profit/Loss Reserve/Income for the period net of -1,335.2 18.1
dividends
Valuation Reserves for AFS Securities in OCI Total -38.6 -8.5
Valuation Reserves for FX in OCI -27.7 n.a.
Valuation Reserves in OCI - Other -13.3 -9.0
Total Valuation Reserves in OCI -79.6 -17.5
Cash Flow Hedge Reserve -134.8 -0.7
Other OCI Reserves 25.5 -351.8
Total OCI Reserves -188.9 -370.0
Total Other Equity Reserves -188.9 -370.0

Deferred Tax Assets to be Deducted from Core Capital 1,968.2 922.7
Weighted Total of Fitch Hybrid Capital Classes 0.0 n.a.
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) Govt 0.0 n.a.
held Hybrid Capital
Risk Weighted Assets including floor/cap per Basel II n.a. 48,595.2
advances to banks

loans
Number of Employees 7,293 8,259

Number of Branches 1,164 1,378
Total Exposure to Central Bank 419.1 155.1
Ratios

31/12/2011 31/12/201
Assets Quality 0
Loan Loss Res / Gross Loans 6.16 n.a.
Loan Loss Res / Impaired Loans 83.70 n.a.
Impaired Loans / Gross Loans 7.35 n.a.
NCO / Average Gross Loans -0.89 n.a.
Unreserved Impaired Loans / Equity 27.37 n.a.
Capital
Operations
Pre-Tax Op Inc / Avg Assets -1.24 0.15
Return On Avg Assets (ROAA) -1.74 0.05
Return On Avg Equity (ROAE) -61.23 1.69
Non Op Items / Net Income 78.55 -262.92
Liquidity
Date News
1 17/01/2012 HG Capital acquires a minority stake in Hidrodata (deal no.
1601334189)
2 16/01/2012 Catalunya Caixa may sell its stake in Inmobiliaria Colonial (deal
no. 1601333770)
3 16/01/2012 Catalunya Caixa may sell its stake in Abertis Infraestructuras
(deal no. 1601333777)
4 16/01/2012 Catalunya Caixa may sell its stake in Applus+ Servicios
Tecnológicos (deal no. 1601333786)
5 16/01/2012 Catalunya Caixa sells its stake in Cedinsa Concesionaria (deal no.
1601333719)
6 16/01/2012 Catalunya Caixa may sell its stake in Túnel del Cadí to the
Generalitat de Catalunya (deal no. 1601333734)
7 16/01/2012 Catalunya Caixa may sell its stake in Gas Natural Fenosa (deal
no. 1601333758)
9 28/07/2011 CatalunyaCaixa shareholders approve transfer of assets to
Catalunya Banc (deal no. 1601278477)
10 24/03/2011 Catalunya Caixa withdraws IPO (deal no. 1601251614)
12 01/03/2011 CatalunyaCaixa to consider alternatives after requesting funds
from FROB (deal no. 1601257890)
13 01/03/2011 Bank of Spain approves CatalunyaCaixa's plan to recapitalise
(deal no. 1601251620)
14 19/01/2011 CatalunyaCaixa sells stake in Repsol (deal no. 1601253181)
Source : Zephyr
Boards & committees

1. Mr. Manuel Rosell Marti - President of the Board BoD IN
P042299698 (since 15/02/2011)
1.
- Vice - president of the Board BoD IN

(since 12/05/2011)
2. Mr. Joan Alberto Abello Hierro - Vice - president of the Board BoD IN
P042427011 (since 12/05/2011)
3. Mr. Josep Maria Farres Penela - Vice - president of the Board BoD IN
P002208526 (since 12/05/2011)
Management & staff

1. Mr. Saturnino Anfosso Borrell - General Manager SenMan IN
P095887443 (since 12/07/2010)
2. Mr. Feliu Formosa Prat - General Manager SenMan IN
P039824801 (since 18/08/2010)
3. Mr. Lluis Gasull Moros - General Manager SenMan IN
P039803330 (since 12/07/2010)
4. Mr. Rafael Jene Villagrasa - General Manager SenMan IN
P042955800 (since 12/07/2010)
5. Mrs. Marta Lacambra Puig - General Manager SenMan IN
P039824802 (since 27/09/2011)
6. Mr. Jaume Masana Ribalta - General Manager SenMan IN
P039824803 (since 12/07/2010)
7. Mr. Adolf Todo Rovira - General Manager SenMan IN
P039824795 (since 12/07/2010)
8. Mrs. Rosa Agullo Gasull - Administrator SenMan IN
P100877933 (since 28/09/2011)
9. Mr. Josep Alabern Valenti - Administrator SenMan IN
P042575399 (since 12/05/2011)
10. Mr. Jordi Campins Punter - Administrator SenMan IN
P095887422 (since 12/05/2011)
11. Mr. Oriol Carbo Seriñana - Administrator SenMan IN
P002189683 (since 04/05/2012)
12. Mr. Esteban Diaz Sanchez - Administrator SenMan IN
P104636735 (since 12/05/2011)
13. Mr. Josep Maria Farres Penela - Administrator SenMan IN
P002208526 (since 17/11/2010)
14. Mr. Jorge Antonio Garcia - Administrator SenMan IN
Rodriguez (since 12/05/2011)
P095887419
15. Mr. Josep Guasch Lujan - Administrator SenMan IN
P098767549 (since 12/05/2011)
16. Mr. Joan Angel Lliberia Esteve - Administrator SenMan IN
P042549853 (since 12/05/2011)
17. Mr. Juan Antonio Matas Arnalot - Administrator SenMan IN
P042276111 (since 12/05/2011)
18. Mr. Josep Molins Codina - Administrator SenMan IN
P039813245 (since 12/05/2011)
19. Mr. Antoni Montseny Domenech - Administrator SenMan IN
P100877932 (since 16/06/2011)
20. Mr. Carme Pastor Solernou - Administrator SenMan IN
P095887439 (since 12/05/2011)
21. Mr. Jaume Roquet Sanchez - Administrator SenMan IN
P095887430 (since 12/05/2011)
22. Mr. Javier Sanchez Lopez - Administrator SenMan IN
P104706098 (since 12/05/2011)
23. Mr. Francisco Ubeda Lopez - Administrator SenMan IN
P095887427 (since 12/05/2011)
24. Mr. David Griera Perramon - Sales Director Sales IN
P119120784 (since 30/12/2011)
BvD Independence Indicator: U

Ownership Source

1. CAIXA CATALUNYA INTERNATIONAL KY 100.00 100.00 1 UO+ IP 09/2011

FINANCE LIMITED
2. CAIXA MANRESA PREFERENTS SA ES 100.00 100.00 1 UO+ IP 09/2011
3. CAIXAMANRESA FONS DE PENSIONS. ES 100.00 100.00 1 UO+ IP 09/2011
4. CATALUNYACAIXA IMMOBILIARIA SA ES 100.00 100.00 1 UO+ IP 08/2012
5. CX MONESTIR SL. ES 100.00 100.00 1 UO+ IP 09/2011
6. INFORMACIO I TECNOLOGIA DE ES 50.00 n.a. 1 - IP 09/2011
CATALUNYA SL
7. NAVIERA ARCADIA AIE. ES 50.00 n.a. 1 - IP 09/2011
8. NAVIERA FRAGUAS AIE. ES 50.00 n.a. 1 - IP 03/2012
9. NAVIERA PHOENIX AIE ES 50.00 n.a. 1 - IP 03/2012
10. NAVIERA TEBAS AIE. ES 50.00 n.a. 1 - IP 08/2012
11. NAVIERA KURILES AIE ES 25.10 n.a. 1 - IP 09/2011
12. PROJECTES TERRITORIALS DEL BAGES SA ES 18.23 n.a. 1 - IP 09/2011
13. NAVIERA LANGOSTEIRA AIE. ES 11.00 n.a. 1 - IP 09/2011

14. CATALUNYA BANC SA ES 10.26 n.a. 1 - IP 03/2012
15. SOCIETAT CATALANA D'INVERSIO EN ES 9.80 n.a. 1 - IP 09/2011
COOPERATIVES SCR DE REGIMEN
SIMPLIFICADO SA
16. VOLJA PLUS SL ES 9.29 n.a. 1 - IP 09/2011

17. FINAVES I, SA ES 6.27 n.a. 1 - IP 09/2011
18. SERVIRED SOCIEDAD ESPAÑOLA DE ES 6.13 n.a. 1 - IP 03/2012
MEDIOS DE PAGO SA
19. CERTUM CONTROL TECNICO DE LA ES 2.89 n.a. 1 - IP 03/2012
EDIFICACION SA
20. TUNEL DEL CADI, SOCIETAT AN-NIMA ES 1.97 n.a. 1 - IP 09/2011
CONCESSION+RIA
21. REPSOL S.A. ES 1.63 n.a. 1 - IP 09/2011
22. GAS NATURAL SDG, S.A. ES 1.62 n.a. 1 - IP 03/2012
23. MEDCOM TECH, SA via its funds ES - 0.55 1 - FS 06/2012
24. VUELING AIRLINES, S.A. via its funds ES - 0.42 1 - FS 06/2012
25. CATALANA D'INICIATIVES S C R DE ES 0.21 n.a. 1 - IP 09/2011
REGIMEN COMUN SA
26. LICO CORPORACION SA ES 0.16 n.a. 1 - IP 09/2011
27. HI-MEDIA via its funds FR - 0.11 1 - FS 06/2012
28. ALTHAIA XARXA ASSISTENCIAL DE ES - n.a. 1 - IP 09/2011
MANRESA FUNDACIO PRIVADA
29. AVALIS DE CATALUNYA, SOCIEDAD DE ES - n.a. 1 - IP 03/2012
GARANTIA RECIPROCA
30. CAJA DE SEGUROS REUNIDOS, COMPAÑIA ES - n.a. 1 - IP 08/2012
31. CATALUNYA CAIXA VIDA SA DE ES - n.a. 1 - IP 08/2012

ASSEGURANCES I REASSEGURANCES
32. CELERIS SERVICIOS FINANCIEROS, SA ES - n.a. 1 - IP 09/2011
33. CREAPOLIS PARC DE LA CREATIVITAT SA ES - n.a. 1 - IP 09/2011
34. FINAVES IV SA ES - n.a. 1 - IP 08/2012
35. GERENS HILL INTERNATIONAL SA ES - n.a. 1 - IP 09/2011
36. JANUS DEVELOPMENT SL ES - n.a. 1 - IP 09/2011
37. NAUTIC TARRAGONA SOCIEDAD ANONIMA ES - n.a. 1 - IP 09/2011
38. PROVIURE CZF S.L. ES - n.a. 1 - IP 09/2011

39. SERVIMANRESA ACTIUS EN LLOGUER SL ES - n.a. 1 - IP 09/2011
40. SOCIEDAD ESPAÑOLA DE SISTEMAS DE ES - n.a. 1 - IP 03/2012
PAGO, SA
0
1
acaixa.com
s de Tarragona
ixa d'Estalvis
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Watch
Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
ð n.a. n.a.
- n.a. n.a.
ð n.a. n.a.
ð 37.0 127.0
- 6.0 70.0
ð 27.0 303.0
ð 3.0 1.0
- 1.0 1.0
ð n.a. n.a.
ð 3.0 1.0
- 19.0 n.a.
ð <0,5 2.0
ð 4.0 n.a.
ò 1,567.0 7,293.0
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ö n.a. n.a.
ð 18.0 398.0
ð 30.0 53.0
ð 80,873.0 46,575.0
ø 27,611.0 16,724.0
ø 19.0 64.0
ö 1,117.0 1,389.0
ð <0,5 11.0
ø 117.0 1,262.0
ð 298.0 476.0
ð n.a. n.a.
ø 3.0 23.0
ð 3,619.0 3,307.0
ð 1,018.0 50.0
ð 32.0 270.0
ð 4.0 11.0
ð n.a. n.a.
ð n.a. n.a.
- 1.0 5.0
ð 1.0 14.0
ð <0,5 n.a.
ð n.a. n.a.
ø 10.0 21.0
Caixa de Aforros de Vigo, Ourense e Pontevedra-Caixanova
36201 VIGO BvD ID number ESG36600369

Status Dissolved (merger)
(since 11/2010)
The GUO of this entity could not be identified.
Contact details
Avenida Garcia Barbon, 1-3 Phone number +34 (986) 82 82 00

Fax number +34 (986) 82 82 38
36201 VIGO
SPAIN
Formerly known as Caja de Ahorros de Vigo e Ourense - Caixa Vigo e Ourense

Bank History :
On August 1, 1999, Caja de Ahorros Municipal de Vigo - Caixavigo absorbed Caixa Orense and changed its name to Caja
de Ahorros de Vigo e Ourense - Caixa Vigo e Ourense. In 2000, absorbed Caja de Ahorros Provincial de Pontevedra and
changed its name to Caixa de Aforros de Vigo, Ourense e Pontevedra - Caixanova. In November 2010, Caixa de Aforros
de Vigo, Ourense e Pontevedra merged with Caja de Ahorros de Galicia - Caixa Galicia to form Caixa de Aforros de Galicia
Vigo Ourense e Pontevedra. But Caixa de Aforros de Vigo, Ourense e Pontevedra will be used until 2011 as a commercial
name.
Status Dissolved (merger) Consolidation Code C2

(since 11/2010) Nickname CNOVAI
Accounting Standards International Financial Source Annual Report
Reporting Standards (IFRS) Release Date 1/13/2012
Accounts published in mil EUR Model ALLBANKS
BvD indep. indicator -

Latest net income n.a. Ranking (Country), rolling
No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Unqualified Audited Unqualified Unqualified
Partial Original Original Original
31/12/2010 31/12/2009 31/12/2008 31/12/2007
BALANCE SHEET
Assets
Loans 20,494.8 20,545.5 20,712.3 19,269.1
Gross Loans 20,494.8 21,206.0 21,210.1 19,689.5
Less: Reserves for Impaired Loans/ NPLs n.a. 660.5 497.8 420.4
Loans and Advances to Banks 840.9 1,652.8 1,460.7 873.0
Derivatives 315.5 249.4 149.8 82.9
Fixed Assets 949.1 1,432.6 1,365.3 791.3
Non-Earning Assets 1,240.5 1,747.6 1,240.9 876.6
Total Assets 31,581.6 31,737.5 30,492.7 27,508.4

Deposits from Banks 4,564.1 748.9 1,422.1 1,409.4
Other Deposits and Short-term Borrowings n.a. 3,271.1 3,648.0 2,724.8
Derivatives 270.0 260.5 109.8 131.9
Trading Liabilities n.a. 0.0 0.0 0.0
Other (Non-Interest bearing) 557.0 716.4 1,034.6 610.2
Loan Loss Reserves n.a. 18.1 13.2 n.a.
Other Reserves 42.0 57.5 28.9 44.3
Equity 1,338.5 2,068.6 1,839.5 2,048.4
Notes
Impaired Loans (Memo) n.a. 1,050.6 658.2 140.9
Loan Loss Reserves (Memo) n.a. 678.6 511.0 420.4
Off Balance Sheet Items n.a. 4,851.4 5,559.3 6,024.8
Hybrid Capital (Memo) n.a. 173.6 448.8 448.8

Subordinated Debts (Memo) 1,359.0 673.6 545.7 545.0
INCOME STATEMENT
31/12/2010 31/12/2009 31/12/2008 31/12/2007
Net Interest Revenue n.a. 524.1 438.2 420.9
Other Operating Income n.a. 225.4 216.1 193.3
Net Gains (Losses) on Trading and Derivatives n.a. 29.5 23.2 12.1
Net Gains (Losses) on Assets at FV through Income n.a. 0.0 -0.6 -1.2
Statement
Net Fees and Commissions n.a. 124.5 121.3 101.4
Remaining Operating Income n.a. 71.4 72.2 81.0
Overheads n.a. 465.1 437.0 392.7
Loan Loss Provisions n.a. 379.9 211.7 110.5
Other n.a. 257.0 185.0 119.0
Profit before Tax n.a. 161.5 190.6 230.0
Tax n.a. 17.4 4.1 37.1
Net Income n.a. 144.1 186.5 192.9
Operating Income (Memo) n.a. 721.9 650.9 591.8
Dividend Paid n.a. 26.6 48.3 50.0

Tier 1 Ratio n.a. 8.31 6.37 6.20
Total Capital n.a. 2,878.1 2,796.7 2,624.7
Tier 1 Capital n.a. 1,913.4 1,615.1 1,427.4
Net-Charge Offs n.a. 185.3 94.6 14.8

31/12/2010 31/12/2009 31/12/2008 31/12/2007
Income Statement
Interest Income on Loans n.a. 962.7 1,236.4 1,006.8

Other Interest Income n.a. 157.8 138.3 93.6
Dividend Income n.a. 50.9 83.3 78.8
Gross Interest and Dividend Income n.a. 1,171.4 1,458.0 1,179.2
Interest Expense on Customer Deposits n.a. 461.8 584.6 560.4

Other Interest Expense n.a. 185.5 435.2 197.9
Total Interest Expense n.a. 647.3 1,019.8 758.3
Net Interest Income n.a. 524.1 438.2 420.9
Net Gains (Losses) on Trading and Derivatives n.a. 29.5 23.2 12.1
Net Gains (Losses) on Other Securities n.a. 7.1 35.8 40.7
Net Gains (Losses) on Assets at FV through Income n.a. 0.0 -0.6 -1.2
Statement
Net Insurance Income n.a. 0.0 0.0 0.0
Net Fees and Commissions n.a. 124.5 121.3 101.4
Other Operating Income n.a. 36.7 33.0 17.9
Total Non-Interest Operating Income n.a. 197.8 212.7 170.9
Personnel Expenses n.a. 270.9 251.2 237.9
Other Operating Expenses n.a. 194.2 185.8 154.8
Total Non-Interest Expenses n.a. 465.1 437.0 392.7
Equity-accounted Profit/ Loss - Operating n.a. 27.6 3.4 22.4

Pre-Impairment Operating Profit n.a. 284.4 217.3 221.5
Loan Impairment Charge n.a. 379.9 211.7 110.5
Securities and Other Credit Impairment Charges n.a. 4.0 -8.4 n.a.
Operating Profit n.a. -99.5 14.0 111.0
Equity-accounted Profit/ Loss - Non-operating n.a. 0.0 0.0 0.0

Non-recurring Expense n.a. 61.6 356.9 0.0
Change in Fair Value of Own Debt n.a. 0.0 0.0 0.0
Other Non-operating Income and Expenses n.a. -21.3 1.1 -10.0
Pre-tax Profit n.a. 161.5 190.6 230.0
Tax expense n.a. 17.4 4.1 37.1
Profit/Loss from Discontinued Operations n.a. 0.0 0.0 0.0
Net Income n.a. 144.1 186.5 192.9
Change in Value of AFS Investments n.a. 26.0 -546.8 -172.0

Currency Translation Differences n.a. n.a. 0.7 -0.9
Remaining OCI Gains/(losses) -219.9 -8.2 13.1 n.a.
Fitch Comprehensive Income -219.9 161.9 -346.5 20.0
Memo: Profit Allocation to Non-controlling Interests n.a. 12.4 15.5 10.8
Memo: Net Income after Allocation to Non- n.a. 131.7 171.0 182.1
Memo: Common Dividends Relating to the Period n.a. 26.6 48.3 50.0
Balance Sheet
Assets
Loans
Other Loans 20,494.8 21,206.0 21,210.1 19,689.5
Less: Reserves for Impaired Loans/ NPLs n.a. 660.5 497.8 420.4
Net Loans 20,494.8 20,545.5 20,712.3 19,269.1
Gross Loans 20,494.8 21,206.0 21,210.1 19,689.5
Memo: Impaired Loans included above n.a. 1,050.6 658.2 140.9
Memo: Loans at Fair Value included above n.a. 0.0 0.0 0.0
Loans and Advances to Banks 840.9 1,652.8 1,460.7 873.0
Derivatives 315.5 249.4 149.8 82.9
Held to Maturity Securities 1,905.8 584.0 0.0 0.0
Other Securities n.a. 0.0 0.0 0.0
Memo: Government Securities included Above n.a. 2,340.7 1,669.6 1,362.1
Memo: Total Securities Pledged n.a. 3,114.5 3,033.7 n.a.
Insurance Assets n.a. 0.0 0.0 0.0
Non-earning Assets
Memo: Mandatory Reserves included above n.a. 252.1 n.a. n.a.
Foreclosed Real Estate n.a. 495.0 154.1 4.4
Fixed Assets 949.1 1,432.6 1,365.3 791.3
Goodwill 10.4 65.5 69.1 52.9
Other Assets 401.8 394.7 278.4 240.6
Total Assets 31,581.6 31,737.5 30,492.7 27,508.4
Customer Deposits - Current n.a. 3,393.9 3,037.0 3,022.0
Customer Deposits - Savings n.a. 3,949.2 3,256.1 3,179.9
Other Deposits and Short-term Borrowings n.a. 3,271.1 3,648.0 2,724.8
Funding
Subordinated Borrowing 1,359.0 673.6 545.7 545.0
Other Funding n.a. 4,467.6 3,800.5 3,426.5
Derivatives 270.0 260.5 109.8 131.9
Total Funding 29,644.1 28,703.3 27,127.7 24,356.7
Credit impairment reserves n.a. 18.1 13.2 n.a.
Insurance Liabilities n.a. 0.0 0.0 0.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 1,199.0 1,374.8 1,277.3 1,160.5
Securities Revaluation Reserves n.a. -64.0 -90.0 456.8
Foreign Exchange Revaluation Reserves n.a. -1.1 0.0 0.0
Fixed Asset Revaluations and Other Accumulated n.a. -1.4 11.1 3.0
OCI
Total Equity 1,338.5 1,513.6 1,414.5 1,719.0
Memo: Fitch Core Capital n.a. 1,394.7 1,290.4 1,640.3
Memo: Fitch Eligible Capital n.a. 1,992.4 1,843.4 2,194.1
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans% n.a. 4.57 6.14 5.53
Interest Expense on Customer Deposits/ Average n.a. 2.94 3.95 4.59
Customer Deposits%
Interest Income/ Average Earning Assets% n.a. 4.24 5.49 4.92
Interest Expense/ Average Interest-bearing n.a. 2.35 4.01 3.34
Liabilities%
Net Interest Income/ Average Earning Assets% n.a. 1.90 1.65 1.76
Net Int. Inc Less Loan Impairment Charges/ Av. n.a. 0.52 0.85 1.30
Earning Assets%
Net Interest Inc Less Preferred Stock Dividend/ n.a. 1.90 1.65 1.76
Non-Interest Income/ Gross Revenues% n.a. 27.40 32.68 28.88
Non-Interest Expense/ Gross Revenues% n.a. 64.43 67.14 66.36
Non-Interest Expense/ Average Assets% n.a. 1.52 1.53 1.54
Pre-impairment Op. Profit/ Average Equity% n.a. 19.84 13.98 12.94
Pre-impairment Op. Profit/ Average Total Assets% n.a. 0.93 0.76 0.87
Loans and securities impairment charges/ Pre- n.a. 134.99 93.56 49.89
Operating Profit/ Average Equity% n.a. -6.94 0.90 6.49
Operating Profit/ Average Total Assets% n.a. -0.33 0.05 0.43
Taxes/ Pre-tax Profit% n.a. 10.77 2.15 16.13
Pre-Impairment Operating Profit / Risk Weighted n.a. 1.23 0.86 0.96
Assets%
Operating Profit / Risk Weighted Assets% n.a. -0.43 0.06 0.48
Net Income/ Average Total Equity% n.a. 10.05 12.00 11.27
Net Income/ Average Total Assets% n.a. 0.47 0.65 0.76
Fitch Comprehensive Income/ Average Total Equity -15.44 11.29 -22.29 1.17
%
Fitch Comprehensive Income/ Average Total Assets -0.69 0.53 -1.21 0.08
%
Net Income/ Av. Total Assets plus Av. Managed n.a. 0.47 n.a. n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% n.a. 0.63 0.74 0.84
Fitch Comprehensive Income/ Risk Weighted Assets n.a. 0.70 -1.37 0.09
%
Capitalization
Fitch Core Capital/Weighted Risks% n.a. 6.05 5.11 7.12
Fitch Eligible Capital/ Weighted Risks% n.a. 8.65 7.30 9.53
Cash Dividends Paid & Declared/ Net Income% n.a. 18.46 25.90 25.92
Cash Dividend Paid & Declared/ Fitch n.a. 16.43 -13.94 250.00
Net Income - Cash Dividends/ Total Equity% n.a. 7.76 9.77 8.31
Loan Quality
Impaired Loans(NPLs)/ Gross Loans% n.a. 4.95 3.10 0.72
Reserves for Impaired Loans/ Gross loans% n.a. 3.11 2.35 2.14
Reserves for Impaired Loans/ Impaired Loans% n.a. 62.87 75.63 298.37
Impaired Loans less Reserves for Imp Loans/ Equity n.a. 25.77 11.34 -16.26
%
Loan Impairment Charges/ Average Gross Loans% n.a. 1.80 1.05 0.61
Net Charge-offs/ Average Gross Loans% n.a. 0.88 0.47 0.08
Impaired Loans + Foreclosed Assets/ Gross Loans + n.a. 7.12 3.80 0.74
Foreclosed Assets%
Funding
Reference Data
Managed Securitized Assets Reported Off-Balance n.a. 40.4 n.a. n.a.
Sheet
Other off-balance sheet exposure to securitizations n.a. 0.0 0.0 0.0
Guarantees n.a. 1,310.5 1,529.7 1,637.1

balance sheet
Committed Credit Lines n.a. 3,500.5 4,029.6 4,387.7
Memo: Total Weighted Risks n.a. 23,034.8 25,243.0 23,033.8
Fitch Adjusted Weighted Risks n.a. 23,034.8 25,243.0 23,033.8
Average Loans 21,044.6 21,060.9 20,131.7 18,206.1
Average Assets 31,713.3 30,537.1 28,564.5 25,539.0
Average Managed Assets Securitized Assets (OBS) n.a. 41.5 n.a. n.a.
Average Equity 1,424.0 1,433.4 1,554.7 1,711.2
Maturities
Loans & Advances < 3 months n.a. 2,202.3 2,775.9 n.a.
Loans & Advances 3 - 12 Months n.a. 2,452.8 2,386.8 n.a.
Loans and Advances 1 - 5 Years n.a. 6,075.9 5,505.5 n.a.
Loans & Advances > 5 years n.a. 9,814.5 10,044.1 n.a.
Debt Securities < 3 Months n.a. 519.7 448.6 n.a.

Debt Securities 3 - 12 Months n.a. 282.2 279.0 n.a.
Debt Securities 1 - 5 Years n.a. 2,165.7 1,264.9 n.a.
Debt Securities > 5 Years n.a. 1,258.6 1,661.2 n.a.
Interbank < 3 Months n.a. 1,890.6 1,798.3 398.5

Interbank 3 - 12 Months n.a. 104.2 9.4 n.a.
Interbank 1 - 5 Years n.a. 68.3 28.1 n.a.
Interbank > 5 Years n.a. 12.9 17.8 n.a.



Total Subordinated Debt on Balance Sheet 1,359.0 673.6 545.7 545.0
Net Income n.a. 144.1 186.5 192.9
Published Net Income n.a. 144.1 186.5 192.9
Equity 1,338.5 1,513.6 1,414.5 1,719.0
as Equity
Published Equity 1,338.5 n.a. n.a. n.a.

interests)
Fair value effect incl in own debt/borrowings at fv n.a. 0.0 0.0 0.0
on the B/S- CC only
Non-loss-absorbing non-controlling interests n.a. 0.0 0.0 0.0
Goodwill 10.4 65.5 69.1 52.9
Net asset value of insurance subsidiaries n.a. 0.0 0.0 0.0
First loss tranches of off-balance sheet n.a. 0.0 0.0 0.0
securitizations
Fitch Core Capital n.a. 1,394.7 1,290.4 1,640.3
Eligible weighted Hybrid capital n.a. 597.7 553.0 553.8
Government held Hybrid Capital n.a. 0.0 0.0 0.0
Fitch Eligible Capital n.a. 1,992.4 1,843.4 2,194.1
Eligible Hybrid Capital Limit n.a. 597.7 553.0 703.0
Total Interest Income on Loans n.a. 962.7 1,236.4 1,006.8

Assets
Total Interest Expense on Customer Deposits n.a. 461.8 584.6 560.4
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. 9.9 n.a. n.a.
breakdown)
Trading Assets - Equities n.a. 0.1 25.3 1.2
Income Statement
Total Trading Assets at FV through the Income n.a. 10.0 25.3 1.2
Statement
breakdown)
AFS Assets - Equities n.a. 1,663.2 1,715.4 2,770.2
Total AFS Assets 4,239.8 5,293.9 5,353.5 5,207.9

Total HTM Debt Securities 1,905.8 584.0 0.0 0.0
Total Debt Securities - Equities & Other n.a. 1,663.3 1,740.7 2,771.4
Asset Quality Data

Net Charge-offs
Gross Charge-offs n.a. 202.8 98.6 n.a.
Recoveries n.a. 17.5 4.0 n.a.
Net Charge-offs n.a. 185.3 94.6 14.8
Reserves
Collective/General Loan Impairment Reserves n.a. 141.2 271.0 353.9
Individual/Specific Loan Impairment Reserves n.a. 519.3 266.4 66.5

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital n.a. n.a. n.a. n.a.

dividends
Valuation Reserves for AFS Securities in OCI Total n.a. -64.0 -90.0 456.8
Valuation Reserves in OCI - Other -215.0 4.9 13.1 n.a.
Total Valuation Reserves in OCI -215.0 -59.1 -76.9 456.8
Cash Flow Hedge Reserve n.a. -7.4 -1.3 4.4
Interests
absorbing

Total Dividends Related to Period n.a. 26.6 48.3 50.0
Total Dividends Paid and Declared in Period n.a. 26.6 48.3 50.0
Capital
Embedded Value n.a. 0.0 0.0 0.0
Hybrid Capital Fitch Class A n.a. 673.6 545.7 545.0
Hybrid Capital Fitch Class B n.a. 0.0 0.0 0.0
Hybrid Capital Fitch Class C n.a. 173.6 448.8 448.8
Hybrid Capital Fitch Class D n.a. 0.0 0.0 0.0
Hybrid Capital Fitch Class E n.a. 555.0 425.0 329.4
Weighted Total of Fitch Hybrid Capital Classes n.a. 641.8 649.4 553.8
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) n.a. 641.8 649.4 553.8
Risk Weighted Assets including floor/cap per Basel II n.a. 23,034.8 25,243.0 23,033.8

II
Equity Investments deducted from Regulatory n.a. 15.7 15.6 13.3
Capital
Pledged Securities n.a. 3,114.5 3,033.7 n.a.
Reverse repurchase agreements included in loans n.a. 0.0 0.0 n.a.
Reverse repurchase agreements included in loans n.a. 229.3 70.8 n.a.
Reverse repurchase agreements in assets - other n.a. 0.0 0.0 n.a.
Cash collateral on securities borrowed n.a. 0.0 0.0 n.a.
Repurchase agreements included in customer n.a. 0.0 0.0 n.a.
deposits
Repurchase agreements included in deposits from n.a. 0.0 0.0 n.a.
banks
Repurchase agreements included in liabilities - other n.a. 602.1 1,246.4 n.a.
Cash collateral on securities lent n.a. 0.0 0.0 n.a.

Average Reverse repurchase agreements included in n.a. 0.0 0.0 n.a.
loans
Number of Employees n.a. 4,236 4,269 4,040

Number of Branches n.a. 766 789 736
Total Exposure to Central Bank n.a. 309.9 284.1 279.5
Ratios

31/12/2010 31/12/2009 31/12/2008 31/12/2007
Assets Quality
Loan Loss Res / Gross Loans n.a. 3.20 2.41 2.14
Loan Loss Prov / Net Int Rev n.a. 72.49 48.31 26.25
Loan Loss Res / Impaired Loans n.a. 64.59 77.64 298.37
Impaired Loans / Gross Loans n.a. 4.95 3.10 0.72
NCO / Average Gross Loans n.a. 0.87 0.46 0.08
NCO / Net Inc Bef Ln Lss Prov n.a. 35.36 23.76 4.88
Impaired Loans / Equity n.a. 50.79 35.78 6.88
Unreserved Impaired Loans / Equity n.a. 17.98 8.00 n.a.
Capital
Tier 1 Ratio n.a. 8.31 6.37 6.20
Equity / Net Loans 6.53 10.07 8.88 10.63
Operations
Net Interest Margin n.a. 1.86 1.63 1.79
Net Int Rev / Avg Assets n.a. 1.68 1.51 1.68
Oth Op Inc / Avg Assets n.a. 0.72 0.75 0.77
Non Int Exp / Avg Assets n.a. 2.72 2.24 2.01
Pre-Tax Op Inc / Avg Assets n.a. -0.31 0.02 0.44
Non Op Items & Taxes / Avg Ast n.a. 0.77 0.62 0.33
Return On Avg Assets (ROAA) n.a. 0.46 0.64 0.77
Return On Avg Equity (ROAE) n.a. 7.37 9.59 9.53
Dividend Pay-Out n.a. 18.46 25.90 25.92
Inc Net Of Dist / Avg Equity n.a. 6.01 7.11 7.06
Non Op Items / Net Income n.a. 178.35 99.20 61.69
Cost To Income Ratio n.a. 62.06 66.79 63.94
Recurring Earning Power n.a. 0.91 0.75 0.89
Liquidity
Interbank Ratio 18.42 220.70 102.71 61.94

Date News
1 30/12/2010 Sacyr Vallehermoso completes rights issue (deal no.
1601186425)
2 29/11/2010 Caixa Galicia and Caixanova shareholders approve merger (deal
no. 1601140593)
3 28/11/2010 Commonwealth Bank of Australia acquires stake in Reganosa
(deal no. 1601224746)
4 26/11/2010 Caixanova takes controlling stake in Inversiones Ahorro (deal no.
1601255561)
5 17/11/2010 Advent International completes acquisition of Tinsa (deal no.
1601227514)
6 03/07/2010 Banco Sabadell denies interest in Banco Gallego acquisition (deal
no. 1601223678)
7 03/07/2010 Caixanova to sell stake in Banco Pastor (deal no. 1601223691)
8 01/06/2010 EC approves CVC's acquisition of joint control of R Cable (deal

no. 1601176739)
9 06/05/2010 GED Iberian acquires EP4 (deal no. 1601186129)
10 13/01/2010 Bernardo Alfageme angling for saviour (deal no. 1601149925)
11 13/01/2010 Alfageme may hand majority stake to Caixanova to avoid

bankruptcy (deal no. 1601149925)
12 18/12/2009 Caixanova, Banco Gallego ‘exit Elecnor’ (deal no. 1601144957)
13 17/12/2009 Caixanova and Banco Gallego may sell Elecnor stake (deal no.
1601144957)
14 11/11/2009 Three banks in merger talks to create Spain's third biggest bank
(deal no. 1601133937)
15 06/11/2009 Caser y Caixanova form alliance (deal no. 1601132418)
16 15/07/2009 Sacyr sells a stake in Itinere (deal no. 1601093975)
17 15/05/2009 Netaccede Group is created (deal no. 1601078134)
18 27/02/2009 Caixanova acquires stake in Union Fenosa (deal no. 1601057873)
19 12/02/2009 Tecnópole increases its stake (deal no. 1601050851)

20 12/12/2008 Gas Natural acquires a stake in Union Fenosa (deal no.
1601036708)
21 31/10/2008 Caixanova acquires minority stake in Geriatros (deal no.
1601042832)
22 10/09/2008 CaixaNova acquires Union Fenosa's minority stake in R Cable
(deal no. 1601006588)
23 05/08/2008 Fenosa may exit R (deal no. 1601006588)
24 17/06/2008 Enbridge sells its stake in CLH (deal no. 617775)
25 27/05/2008 CaixaNova increases its stake in Tavex (deal no. 645164)
26 25/04/2008 Mr Luis Portillo sells minority stake in Colonial to settle debt (deal
no. 636815)
27 14/02/2008 Enbridge mulls CLH exit (deal no. 617775)
28 11/02/2008 Caixa Galicia, Caixanova, Banco Pastor and Corporación
Interavante form joint venture (deal no. 617248)
29 11/12/2007 Deutsche Bank acquires minority stake in CLH (deal no. 574329)
30 14/09/2007 Repsol's CLH stake sale in the pipeline (deal no. 574329)
31 18/04/2007 Caixanova acquires stake in Compañía Logística de Hidrocarburos
(deal no. 531647)
32 17/04/2007 Caixanova increases stake in Sacyr Vallehermoso (deal no.
531812)
33 17/04/2007 Sacyr Vallehermoso acquires remaining stake in Itinere
Infraestructuras (deal no. 428361)
34 10/04/2007 Caixanova announces 5 per cent stake in Banco Pastor (deal no.
530934)
35 24/03/2007 Caixanova acquires stake in Banco Pastor (deal no. 526208)
36 19/03/2007 Caixanova acquires a stake in Brisa (deal no. 523959)
37 13/03/2007 Martinsa carries out capital increase (deal no. 522928)
38 02/02/2007 Caixanova increases stake in GAM (deal no. 513423)
39 24/01/2007 Investors acquires shares in General de Alquiler de Maquinaria
(deal no. 478289)
40 24/01/2007 Caixanova acquires China Aviation Oil's stake in CLH (deal no.
308959)
41 22/01/2007 SEPI rejects Hijos de J Barreras offer for Astilleros Fene (deal no.
509433)
42 09/01/2007 Inversiones Losan announces financing round (deal no. 504819)
44 09/12/2006 Sodiga to raise capital (deal no. 498852)

45 05/12/2006 Caixanova acquires a stake in Artai (deal no. 498418)
46 27/06/2006 Caixanova increases stake in Elecnor (deal no. 454479)
47 16/06/2006 Caixanova further increases stake in Union Fenosa (deal no.
451771)
48 14/06/2006 Caixanova increases stake in Union Fenosa (deal no. 451356)
49 14/06/2006 Caixanova increases stake in Tavex Algodonera (deal no.
451364)
50 12/06/2006 Caixanova increases stake in Union Fenosa (deal no. 409987)
Source : Zephyr
This company is inactive.
BvD Independence Indicator: -
This bank is inactive and has therefore no controlling shareholders.

Ownership Source

1. RAMINOVA - IMOBILIARIA, SGPS, LDA. PT 39.53 n.a. 1 - IP 03/2012 ð

2. GRUPO MEDIA CAPITAL SGPS SA PT 5.05 n.a. 1 - IP 03/2012 ð
3. SOGEVINUS - SGPS, S.A. PT - n.a. 1 - IP 03/2012 ð
ger)
)
82 00
82 38
go e Ourense
name to Caja
ntevedra and
xa de Aforros
orros de Galicia
s a commercial
ager for more
ager for more
Watch
IFRS IFRS IFRS

Audited Audited Not Audited
31/12/2006 31/12/2005 31/12/2004
15,658.0 12,676.2 10,105.9

15,982.8 12,931.2 10,319.2
324.8 255.0 213.3
5,465.0 4,104.3 3,849.7
1,518.5 1,034.5 1,103.6
92.6 90.6 68.8
3,853.9 2,979.2 2,672.9
n.a. n.a. 4.4
21,123.0 16,780.5 13,955.6
632.8 477.1 344.1
753.2 609.3 574.2
22,509.0 17,866.9 14,873.9
13,813.7 12,186.8 12,657.6

11,088.9 9,484.2 11,211.1
1,151.4 750.3 477.2
1,573.4 1,952.3 969.3
5,987.3 3,708.1 709.3
67.4 23.6 32.0
0.0 n.a. n.a.
5,919.9 3,684.5 677.3
666.2 475.0 400.6
0.0 n.a. n.a.
43.5 41.2 44.9
1,998.3 1,455.8 1,061.5
22,509.0 17,866.9 14,873.9
70.1 52.8 72.7

324.8 255.0 213.3
1,861.0 1,285.0 1,405.5
26.3 7.1 19.6
5,633.9 5,084.5 3,777.3
448.8 0.0 0.0

541.8 500.5 401.3

31/12/2006 31/12/2005 31/12/2004
359.6 345.4 323.1
181.2 148.3 126.1
9.2 18.5 6.5
n.a. n.a. n.a.
90.1 77.3 75.0

81.9 52.5 44.6
339.3 306.0 274.1
77.3 52.1 56.0
76.6 12.5 3.4
200.8 148.1 122.5
55.4 15.5 20.1
145.4 132.6 102.4
520.6 480.2 446.8
55.0 34.0 n.a.
12.78 12.28 n.a.

6.44 8.16 n.a.
2,427.0 1,649.6 n.a.
1,223.8 1,096.5 n.a.
7.1 7.8 9.5
IFRS IFRS IFRS

31/12/2006 31/12/2005 31/12/2004
696.5 512.1 442.8

68.7 69.6 84.3
38.3 25.4 12.0
803.5 607.1 539.1
359.6 242.2 198.0

84.3 19.5 18.0
443.9 261.7 216.0
359.6 345.4 323.1
9.2 18.5 6.5

42.4 24.9 29.0
n.a. n.a. n.a.
0.0 0.0 n.a.

90.1 77.3 75.0
19.3 14.1 13.2
161.0 134.8 123.7
209.1 198.9 179.6
130.2 107.1 94.5
339.3 306.0 274.1
20.2 13.5 2.4

201.5 187.7 175.1
77.3 52.1 56.0
n.a. n.a. n.a.
124.2 135.6 119.1
n.a. n.a. n.a.

84.0 18.8 n.a.
1.6 1.3 0.0
n.a. n.a. n.a.
-5.8 -5.0 3.4
200.8 148.1 122.5
55.4 15.5 20.1
n.a. n.a. n.a.
145.4 132.6 102.4
389.7 95.4 143.7

n.a. n.a. n.a.
-0.5 n.a. n.a.
n.a. n.a. n.a.
534.6 228.0 246.1
13.0 9.9 2.9
132.4 122.7 99.5
55.0 34.0 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. 4,912.1
n.a. n.a. 5,101.0
15,982.8 12,931.2 306.1
324.8 255.0 213.3
15,658.0 12,676.2 10,105.9
15,982.8 12,931.2 10,319.2
70.1 52.8 72.7
0.0 n.a. n.a.
1,518.5 1,034.5 1,103.6

n.a. n.a. n.a.
4.6 0.9 0.5
92.6 90.6 68.8
3,467.4 2,792.8 2,557.8
0.0 0.0 n.a.
381.9 185.5 114.6
0.0 n.a. n.a.
3,946.5 3,069.8 2,741.7
1,008.2 1,159.2 1,301.6
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 4.4
21,123.0 16,780.5 13,955.6
337.9 249.6 301.4

n.a. n.a. n.a.
5.6 3.4 n.a.
632.8 477.1 344.1
6.3 0.0 0.0
20.0 7.1 19.6
22.8 23.1 6.1
115.6 130.3 128.6
0.0 n.a. n.a.
245.0 195.8 118.5
22,509.0 17,866.9 14,873.9
2,918.9 2,302.2 2,992.4

3,272.2 3,016.9 2,700.7
4,897.8 4,165.1 5,518.0
11,088.9 9,484.2 11,211.1
1,151.4 750.3 477.2
n.a. n.a. n.a.
1,573.4 1,952.3 969.3
13,813.7 12,186.8 12,657.6
2,152.8 3,184.0 276.0

541.8 500.5 401.3
2,776.5 n.a. n.a.
5,471.1 3,684.5 677.3
67.4 23.6 32.0
0.0 n.a. n.a.
19,352.2 15,894.9 13,366.9
0.0 n.a. n.a.

0.0 n.a. n.a.
43.5 41.2 44.9
4.4 0.3 0.5
262.7 179.8 127.4
0.0 n.a. n.a.
0.0 n.a. n.a.
0.0 n.a. n.a.
399.1 294.9 272.7
20,061.9 16,411.1 13,812.4
448.8 0.0 0.0
250.0 198.0 n.a.
1,027.2 931.0 841.7

92.5 86.3 76.0
628.8 239.1 143.7
0.0 n.a. n.a.
-0.2 1.4 0.1
1,748.3 1,257.8 1,061.5

22,509.0 17,866.9 14,873.9
1,722.0 n.a. n.a.
2,196.4 n.a. n.a.
4.74 4.33 n.a.

3.25 2.19 n.a.
4.13 3.94 n.a.

2.44 1.79 n.a.
1.85 2.24 n.a.

1.45 1.90 n.a.
1.85 2.24 n.a.
30.93 28.07 27.69

65.17 63.72 61.35
1.64 1.87 n.a.
13.34 15.76 n.a.
0.97 1.15 n.a.
38.36 27.76 31.98
8.22 11.38 n.a.

0.60 0.83 n.a.
27.59 10.47 16.41
1.06 1.40 n.a.
0.65 1.01 n.a.
9.63 11.13 n.a.

0.70 0.81 n.a.
35.40 19.14 n.a.
2.58 1.39 n.a.
n.a. n.a. n.a.
0.77 0.99 n.a.

2.82 1.70 n.a.
9.07 n.a. n.a.

11.57 n.a. n.a.
7.66 7.00 6.20
6.44 8.16 n.a.
12.78 12.28 n.a.
n.a. n.a. n.a.
7.77 7.04 7.14
37.83 25.64 n.a.
10.29 14.91 n.a.
n.a. n.a. n.a.

5.17 7.84 9.65
25.98 20.12 n.a.

23.60 25.31 n.a.
0.44 0.41 0.70
2.03 1.97 2.07
463.34 482.95 293.40
-14.57 -16.08 -13.25
0.53 0.44 n.a.

0.05 0.07 n.a.
0.47 0.43 0.70
144.13 136.34 92.04

131.88 137.88 231.27
57.50 59.76 84.07
n.a. n.a. n.a.
0.0 n.a. n.a.
1,665.1 1,241.6 975.6

n.a. n.a. n.a.
3,968.8 n.a. n.a.

n.a. 3,842.9 2,801.7
28,142.9 22,951.4 18,651.2
18,988.3 13,429.5 n.a.
n.a. n.a. n.a.
18,988.3 13,429.5 n.a.
14,703.9 11,813.3 n.a.

19,445.2 15,399.0 n.a.
20,730.0 16,386.0 n.a.
n.a. n.a. n.a.
18,204.1 14,650.1 n.a.
981.1 886.6 n.a.
1,510.1 1,191.3 n.a.
11,075.9 11,069.2 n.a.
n.a. 1,874.9 n.a.

n.a. 1,637.0 n.a.
n.a. 3,699.0 n.a.
n.a. 5,720.3 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,437.9 933.3 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
541.8 500.5 401.3
n.a. n.a. n.a.
145.4 132.6 102.4

n.a. n.a. n.a.
145.4 n.a. n.a.
1,748.3 1,257.8 1,061.5

250.0 198.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
1,748.3 1,257.8 1,061.5
0.0 n.a. n.a.
0.0 n.a. n.a.

6.3 0.0 0.0
20.0 7.1 19.6
0.0 n.a. 128.6
0.0 n.a. n.a.
0.0 n.a. n.a.
1,722.0 n.a. n.a.

474.4 198.0 0.0
0.0 n.a. n.a.
2,196.4 n.a. n.a.
738.0 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
696.5 512.1 442.8
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
359.6 242.2 198.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
4.6 0.9 0.5
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
4.6 0.9 0.5
697.6 674.4 603.5
1,008.2 1,159.2 1,301.6

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,768.8 963.9 656.9
-7.2 -4.7 -4.2
3,467.4 2,792.8 2,557.8
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
0.0 0.0 n.a.
1,008.2 1,159.2 1,301.6
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,766.2 960.1 653.2
n.a. n.a. n.a.

n.a. n.a. n.a.
7.1 7.8 9.5
n.a. 220.6 n.a.

324.8 32.9 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

1,027.2 931.0 841.7
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
92.5 86.3 76.0
1,655.8 1,171.5 985.5
1,748.3 1,257.8 841.7
628.8 239.1 143.7
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
628.8 239.1 143.7
0.3 1.4 0.1
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
629.1 240.5 143.8
n.a. n.a. n.a.
629.1 240.5 143.8
250.0 198.0 n.a.
1,998.3 1,455.8 1,061.5
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

55.0 34.0 n.a.
55.0 34.0 n.a.
n.a. n.a. n.a.
0.0 n.a. 128.6
26.3 n.a. n.a.

0.0 n.a. n.a.
541.8 n.a. n.a.
0.0 0.0 n.a.
448.8 n.a. n.a.
0.0 0.0 n.a.
250.0 198.0 0.0
474.4 198.0 0.0
474.4 198.0 0.0
1,223.8 1,096.5 n.a.

2,427.0 1,649.6 n.a.
6.44 8.16 n.a.
12.78 12.28 n.a.
18,988.3 13,429.5 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
8.7 11.7 n.a.
3,946.5 3,069.8 2,741.7

n.a. n.a. n.a.
3,946.5 3,069.8 2,741.7
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
2,821 2,607 n.a.

676 632 n.a.
6.44 8.16 n.a.
n.a. n.a. n.a.
12.78 12.28 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
251.2 168.9 190.6
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2006 31/12/2005 31/12/2004
2.03 1.97 2.07

21.50 15.08 17.33
463.34 482.96 293.40
0.44 0.41 0.71
0.05 0.07 0.09
3.19 4.22 6.00
3.51 3.63 6.85
n.a. n.a. n.a.
6.44 8.16 n.a.

12.78 12.28 n.a.
8.88 8.15 7.14
12.76 11.49 10.50
14.47 11.95 8.39
10.24 9.15 7.92
13.28 10.95 9.84
19.09 15.43 14.48
21.64 16.05 11.56
15.31 12.30 10.91
18.13 25.58 27.43
1.90 2.25 2.32

1.78 2.11 2.17
0.90 0.91 0.85
2.06 2.19 2.22
0.62 0.83 0.80
0.11 -0.02 -0.11
0.72 0.81 0.69
8.42 10.54 9.65
37.83 25.64 n.a.
5.23 7.83 n.a.
52.68 9.43 3.32
62.74 61.98 61.02
1.00 1.15 1.18
131.88 137.88 231.27

69.56 70.95 67.94
113.35 104.02 79.84
83.24 82.34 77.94
13.47 10.54 11.10
9.89 8.35 10.84
Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
ð <0,5 2.0
ð n.a. n.a.
ð 6.0 3.0
Banco Mare Nostrum SA-BMN

Status Active
The GUO of this controlled subsidiary could not be identified
Contact details
28 CALLE ALCALA Phone number +34 91 7015903

Fax number +34 91 5227668
28004 MADRID Web Site Address www.grupobmn.es
SPAIN
Bank History :
On December 22, 2010, Banco Mare Nostrum SA was created by Caja de Ahorros de Murcia - Cajamurcia;Caja General
de Ahorros de Granada - La General; Caja de Ahorros y Monte de Piedad de las Baleares - Sa Nostra and Caja de
Ahorros del Penedés.
Accounting Standards International Financial Nickname NOSTICI
Name of the Auditor Deloitte, S.L. Model ALLBANKS
BvD indep. indicator C+

No of recorded 4
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Original Original Proforma Proforma
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 47,109.4 48,433.4 51,336.7 53,874.6
Gross Loans 49,217.0 51,227.7 52,793.8 55,173.8
Derivatives 926.1 829.6 749.2 581.2
Fixed Assets 1,240.8 1,398.1 1,497.6 1,401.2
Total Assets 67,200.6 69,859.4 73,055.4 73,225.2

Other Deposits and Short-term Borrowings 349.4 1,411.7 3,829.6 7,056.7
Derivatives 380.3 370.9 397.4 354.7
Other Reserves 273.0 402.2 260.4 225.0
Equity 2,620.4 2,675.5 3,863.4 3,753.8
Notes
Hybrid Capital (Memo) 2,240.4 2,273.0 1,255.4 817.9

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Interest Revenue 717.8 929.4 1,208.7 1,241.1
Statement
Overheads 845.1 901.8 935.4 934.2
Other -127.6 -208.6 -123.4 74.7
Tax 13.3 -6.6 28.6 86.1
Net Income 81.6 106.5 227.6 391.4

Tier 1 Ratio 11.86 11.10 9.60 8.30
Total Capital 5,642.0 5,865.7 6,500.3 5,739.1
Tier 1 Capital 4,487.3 4,410.2 4,404.5 3,909.4
Net-Charge Offs 324.4 553.8 50.9 73.5

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Net Interest Income 717.8 929.4 1,208.7 1,241.1
Statement
Net Insurance Income 4.9 35.9 27.4 -8.1

Securities and Other Credit Impairment Charges 16.8 46.3 25.6 -2.0

Non-recurring Expense 145.2 215.3 n.a. n.a.
Pre-tax Profit 94.9 99.9 256.2 477.5
Tax expense 13.3 -6.6 28.6 86.1
Net Income 81.6 106.5 227.6 391.4
Change in Value of AFS Investments -115.6 n.a. 18.6 -560.5

Revaluation of Fixed Assets n.a. n.a. 0.0 0.5
Currency Translation Differences 0.9 n.a. n.a. n.a.
Fitch Comprehensive Income 28.4 106.5 246.2 -168.6
Balance Sheet
Assets
Loans
Other Loans 49,217.0 51,227.7 52,793.8 55,173.8
Net Loans 47,109.4 48,433.4 51,336.7 53,874.6
Gross Loans 49,217.0 51,227.7 52,793.8 55,173.8
Derivatives 926.1 829.6 749.2 581.2
Held to Maturity Securities 1,973.4 364.5 79.6 1,006.3
Investments in Property n.a. 97.0 121.3 121.5
Other Earning Assets n.a. 0.0 0.0 0.0
Non-earning Assets
Cash and Due From Banks 954.4 776.9 892.8 1,145.9
Memo: Mandatory Reserves included above 652.5 474.8 n.a. n.a.
Fixed Assets 1,240.8 1,398.1 1,497.6 1,401.2
Goodwill n.a. 142.7 4.2 3.4
Deferred Tax Assets 1,396.7 1,294.1 490.2 461.8
Other Assets 406.5 521.0 614.6 575.2
Total Assets 67,200.6 69,859.4 73,055.4 73,225.2
Customer Deposits - Savings n.a. 5,262.1 4,127.4 3,927.2
Deposits from Banks 784.0 901.5 1,642.0 2,262.7
Funding
Other Funding n.a. 17,321.1 655.4 411.5
Derivatives 380.3 370.9 397.4 354.7
Total Funding 60,968.2 63,219.4 65,704.1 65,678.1
Insurance Liabilities n.a. 31.5 724.4 1,449.4
Other Liabilities 663.2 729.9 1,022.8 1,011.9
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 2,240.4 2,273.0 1,255.4 817.9
Debt
Equity
Equity
Common Equity 2,432.8 2,667.9 3,854.9 3,766.3
Securities Revaluation Reserves -80.9 0.0 -0.6 -29.5
Fixed Asset Revaluations and Other Accumulated 29.2 0.0 -8.2 0.1
OCI
Total Equity 2,385.2 2,675.5 3,863.4 3,753.8
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Net Income/ Av. Total Assets plus Av. Managed n.a. 0.15 0.31 0.55
Securitized Assets%
%
Capitalization
Loan Quality
%
Foreclosed Assets%
Funding
Reference Data
Managed Securitized Assets Reported Off-Balance n.a. 207.9 134.4 164.2
Sheet
Other off-balance sheet exposure to securitizations n.a. 0.0 0.0 0.0
Guarantees 1,236.1 1,528.4 1,691.1 2,124.5

Acceptances and documentary credits reported off- n.a. 0.0 0.0 0.0
balance sheet
Average Loans 50,159.6 51,870.5 53,983.8 53,807.1
Average Assets 68,267.1 71,690.3 73,140.3 71,007.1
Average Managed Assets Securitized Assets (OBS) n.a. 196.8 149.3 180.8
Average Equity 2,641.2 3,471.1 3,808.6 3,902.6
Maturities
Loans & Advances < 3 months n.a. 3,346.5 n.a. n.a.
Loans & Advances 3 - 12 Months n.a. 3,423.5 n.a. n.a.
Loans and Advances 1 - 5 Years n.a. 10,672.8 n.a. n.a.
Loans & Advances > 5 years n.a. 30,800.4 n.a. n.a.
Debt Securities < 3 Months n.a. 520.7 n.a. n.a.

Debt Securities 3 - 12 Months n.a. 1,528.3 n.a. n.a.
Debt Securities 1 - 5 Years n.a. 6,319.2 n.a. n.a.
Debt Securities > 5 Years n.a. 5,459.0 n.a. n.a.
Interbank < 3 Months n.a. 804.2 n.a. n.a.

Interbank 3 - 12 Months n.a. 0.8 n.a. n.a.
Interbank 1 - 5 Years n.a. 2.5 n.a. n.a.
Interbank > 5 Years n.a. 0.5 n.a. n.a.

Retail Deposits > 5 Years 5,276.7 n.a. n.a. n.a.


Interbank 1 - 5 Years 3,892.0 n.a. n.a. n.a.
Interbank > 5 Years 1,088.7 n.a. n.a. n.a.
Senior Debt Maturing < 3 months 519.3 1,766.3 n.a. n.a.

Senior Debt Maturing 3-12 Months 976.4 2,317.8 n.a. n.a.
Senior Debt Maturing 1- 5 Years 1,724.9 12,264.9 n.a. n.a.
Senior Debt Maturing > 5 Years 648.3 7,180.2 n.a. n.a.
Total Senior Debt on Balance Sheet 3,868.9 23,529.2 n.a. n.a.
Net Income 81.6 106.5 227.6 391.4
Equity 2,385.2 2,675.5 3,863.4 3,753.8
as Equity

interests)
on the B/S- CC only
Goodwill 0.0 142.7 4.2 3.4
securitizations
Eligible Hybrid Capital Limit 898.9 1,034.4 1,608.1 1,564.5
Assets
Borrowing
Securities
breakdown)
Trading Assets - Debt Securities - Governments n.a. 4.9 n.a. n.a.
Trading Assets - Debt Securities - Banks n.a. 5.8 n.a. n.a.
Trading Assets - Debt Securities - Corporates n.a. 0.0 n.a. n.a.
Trading Assets - Debt Securities - Structured n.a. 0.0 n.a. n.a.
Trading Assets - Equities n.a. 25.8 n.a. n.a.
Income Statement
Total Trading Assets at FV through the Income n.a. 25.8 n.a. n.a.
Statement
breakdown)
AFS Assets - Government n.a. 2,665.5 n.a. n.a.
AFS Assets - Banks n.a. 578.6 n.a. n.a.
AFS Assets - Corporates n.a. 657.0 n.a. n.a.
AFS Assets - Structured n.a. 0.0 n.a. n.a.
AFS Assets - Equities n.a. 1,160.4 n.a. n.a.
Total AFS Assets 3,275.8 5,061.6 7,404.3 6,453.5
HTM - Government n.a. 301.2 n.a. n.a.

HTM Assets - Banks n.a. 0.0 n.a. n.a.
HTM Assets - Corporates n.a. 63.3 n.a. n.a.
Total HTM Debt Securities 1,973.4 364.5 79.6 1,006.3
Total Debt Securities - Government n.a. 2,971.6 n.a. n.a.
Total Debt Securities - Banks n.a. 584.4 n.a. n.a.
Total Debt Securities - Corporates n.a. 720.3 n.a. n.a.
Total Debt Securities - Structured n.a. 0.0 n.a. n.a.
Total Debt Securities - Equities & Other n.a. 1,186.2 n.a. n.a.
Asset Quality Data

Net Charge-offs
Recoveries n.a. 47.1 18.0 5.9
Net Charge-offs 324.4 553.8 50.9 73.5
Reserves

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 2,432.8 n.a. n.a. n.a.

dividends
Valuation Reserves in OCI - Other -14.0 n.a. n.a. n.a.
Cash Flow Hedge Reserve 43.2 n.a. n.a. n.a.
Total OCI Reserves -51.1 n.a. n.a. n.a.
Total Other Equity Reserves -51.1 n.a. n.a. n.a.
Interests
absorbing

Capital
Hybrid Capital Fitch Class A n.a. 0.0 0.0 0.0
Hybrid Capital Fitch Class B n.a. 0.0 0.0 0.0
Hybrid Capital Fitch Class D n.a. 0.0 0.0 0.0
Hybrid Capital Fitch Class E n.a. 2,020.9 1,105.4 667.9
Weighted Total of Fitch Hybrid Capital Classes 1,686.5 1,468.0 552.7 334.0
Regulatory Capital
II
II
Capital
deposits
banks

loans

Assets under Management n.a. 6,391.5 n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 11.86 11.10 9.60 8.30
Equity / Net Loans 5.56 5.52 7.53 6.97
Operations
Non Op Items / Net Income -156.37 -195.87 -54.22 19.09
Liquidity
Interbank Ratio 46.65 35.96 63.80 36.76
Date News
1 04/09/2012 Banco Popular may acquire Banco Mare Nostrum (deal no.
1601399658)
2 24/07/2012 Viajes Cajamurcia absorbs Viajes Caja Granada (deal no.
1601393281)
3 24/07/2012 Gestió Integral d’Assessorament i Tramitació de Serveis absorbs
La General Servicios LGS (deal no. 1601393981)
4 24/07/2012 Corporación Empresarial CajaMurcia absorbs Corporación Caja
de Granada (deal no. 1601394005)
5 24/07/2012 BMN Mediación Operador de Banca-Seguros Vinculado absorbs
Sa Nostra Mediación Operador de Banca-Seguros Vinculado and
Caja Granada Mediación Operador de Banca-Seguros Vinculado
(deal no. 1601394068)

1601366478)
7 14/03/2012 Loomis acquires Efectivox (deal no. 1601328179)
8 30/12/2011 Banco Cívica and Banco Mare Nostrum acquire a stake in Deoleo
(deal no. 1601331153)
9 21/11/2011 FORB suspends Banco de Valencia auction (deal no.
1601320813)
10 22/07/2011 BMN sells insurance business to Caser (deal no. 1601272640)
11 23/03/2011 Cajas approve integration into BMN (deal no. 1601264740)
12 15/03/2011 Banco Mare Nostrum and Caja España-Caja Duero merger
negotiations end (deal no. 1601251599)
13 31/01/2011 BMN receives at least 3 offers from private equity funds (deal
no. 1601244646)
14 22/12/2010 Cajas create Banco Mare Nostrum SIP (deal no. 1601191714)
15 22/12/2010 FROB to subscribe to convertible preferred shares in new SIP
Banco Mare Nostrum (deal no. 1601264739)
Source : Zephyr
Boards & committees

1. Mr. Carlos Egea Krauel - President of the Board BoD IN
P039803355 (since 03/01/2011)
2. Mr. Ricardo Banquells Bernad - Vice - president of the Board BoD IN
P039817066 (since 02/02/2012)
3. Mr. Antonio Jara Andreu - Vice - president of the Board BoD IN
P063947726 (since 15/04/2011)
Management & staff

1. Mr. Fernando Alzamora Carbonell - Administrator SenMan IN
(since 03/01/2011)
P002315705
2. Mr. Josep Manuel Basañez - Administrator SenMan IN
Villaluenga (since 03/01/2011)
P014403302
3. Mr. Miguel Angel Cabello Jurado - Administrator SenMan IN
P039826245 (since 25/04/2011)
4. CAIXA D ESTALVIS DEL PENEDES - Administrator SenMan IN
(since 03/01/2011)
CVA1375427
5. Mr. Joaquin Canovas Paez - Administrator SenMan IN
P039830742 (since 03/01/2011)
6. Mr. Ignacio Ramon Ezquiaga - Administrator SenMan IN
Dominguez (since 03/01/2011)
P042216278 - Finance Director FinAcc IN
(since 18/05/2011)
6.
- Finance Director FinAcc IN

(since 18/05/2011)
7. Mr. Luis Gonzalez Ruiz - Administrator SenMan IN
P064901024 (since 03/01/2011)
8. Mr. Jose Manuel Jodar Martinez - Administrator SenMan IN
P104029851 (since 03/01/2011)
9. Mr. Gonzalo Suarez Martin - Manager (since 09/03/2012) OthDep IN
P042169023
BvD Independence Indicator: C+
The Global Ultimate Owner for this bank could not be defined (due to mutual ownerships or equal percentages of
ownership in the upward path leading to the GUO).
Ownership Source
Level
Coun Direct Total Source Date of
Subsidiary name of Status
- try (%) (%) ident. info.
own.

1. BMN MEDIACION OPERADOR DE BANCA- ES 100.00 100.00 1 - IP 08/2012
SEGUROS VINCULADO SL
2. C-EME INMUEBLES GESTION DE ES 100.00 100.00 1 - IP 08/2012
PROYECTOS Y MANTENIMIENTO SL
3. CAIXA PENEDES CAPITAL II SA ES 100.00 100.00 1 - IP 08/2012
4. CAIXA PENEDES CAPITAL SA ES 100.00 100.00 1 - IP 08/2012
5. CAJA DE AHORROS DE MURCIA - ES 100.00 100.00 1 - RM 12/2010
CAJAMURCIA
6. CAJA DE AHORROS DEL PENEDÉS-CAIXA ES 100.00 100.00 1 - RM 12/2010
D'ESTALVIS DEL PENEDES
7. CAJA GENERAL DE AHORROS DE GRANADA ES 100.00 100.00 1 - RM 12/2010
- LA GENERAL
8. CAJA GRANADA PREFERENTES SA ES 100.00 100.00 1 - IP 08/2012
9. CAJAMURCIA FINANCE SA ES 100.00 100.00 1 - IP 08/2012
10. CAJAMURCIA PREFERENTES SA ES 100.00 100.00 1 - IP 08/2012
11. CG FINANCE BV ES 100.00 100.00 1 - RM 12/2010
12. IMPLUVIUM 1 SOCIEDAD LIMITADA ES 100.00 100.00 1 - IP 08/2012
13. INVERNOSTRA SL ES 100.00 100.00 1 - IP 03/2012
14. S.E. ESECA ES 100.00 100.00 1 - RM 12/2010
15. S.E.R.A. S.A. ES 100.00 100.00 1 - RM 12/2010
16. S.N. FINANCE ES 100.00 100.00 1 - RM 12/2010
17. S.N. INVERSIONES ES 100.00 100.00 1 - RM 12/2010
18. S.N. PREFERENTES ES 100.00 100.00 1 - RM 12/2010
19. S.N. RENTING ES 100.00 100.00 1 - RM 12/2010
20. SA NOSTRA DE RENTING SA ES 100.00 100.00 1 - IP 03/2012
21. SA NOSTRA FINANCE SA ES 100.00 100.00 1 - IP 03/2012
22. SA NOSTRA SOCIEDAD DE ES 100.00 100.00 1 - IP 03/2012
PARTICIPACIONES PREFERENTES SA
23. SERBROK, CORREDURIA DE SEGUROS, ES 100.00 100.00 1 - IP 03/2012
GRUPO SA NOSTRA SL
24. SOCIEDAD DE ESTUDIOS ECONOMICOS DE ES 100.00 100.00 1 - IP 08/2012
ANDALUCIA SA
25. SOCIEDAD PARA LA EXPLOTACION Y ES 100.00 100.00 1 - IP 08/2012
RECUPERACION DE ACTIVOS SL
26. VECTOR CAPITAL S C R SA DE REGIMEN ES 100.00 100.00 1 - IP 08/2012
SIMPLIFICADO
27. CAIXA PENEDES CORREDORIA ES 99.00 100.00 1 - RM 12/2010
D'ASSEGURANCES SA VINCULADA A CAIXA
PENEDES VIDA D'ASSEGURANCES I
REASSEGURANCES SA I CAIXA PEN
28. ALHAMBRA HOTEL INVESTMENTS SLU ES - 100.00 1 - RM 12/2010

29. BEM MURCIA SL ES - 100.00 1 - RM 12/2010
30. BITTRAVEL SA (EN LIQUIDACION) ES - 100.00 1 - RM 12/2010
31. CAIXA PENEDES ASSEGURANCES ES - 100.00 1 - RM 12/2010
GENERALS, SA
32. CAPITAL PENED+S MIXT, SA, SICA V ES - 100.00 1 - RM 12/2010
33. CONSTRUCCIONES Y SUELOS BERGEN SL ES - 100.00 1 - RM 12/2010
34. GESTIO INTEGRAL D'ASSESSORAMENT I ES - 100.00 1 - RM 12/2010
TRAMITACIO DE SERVEIS SL
35. GESTION Y RECAUDACION LOCAL SL ES - 100.00 1 - RM 12/2010
36. PROVISOC MALAGA SL ES - 100.00 1 - RM 12/2010
37. RENTESPAIS PENEDES SL ES - 100.00 1 - RM 12/2010
38. RENTHABITAT PENEDES SL ES - 100.00 1 - RM 12/2010
39. REVALUA INVERSIONS SL ES - 100.00 1 - RM 12/2010
40. SUMMA INVERSIONES INMOBILIARIAS SA ES - 100.00 1 - RM 12/2010
41. SUMMA SEGURIDAD SL ES - 100.00 1 - RM 12/2010

42. TERRES I PROJECTES SL ES - 100.00 1 - RM 12/2010
43. BMN GESTION DE ACTIVOS SGIIC SA ES - 99.00 1 - RM 12/2010
44. PROMODISCEP SA ES - 99.00 1 - RM 12/2010
45. SERINCEP SA ES - 99.00 1 - RM 12/2010
46. S.N. MEDIACION ES 81.00 n.a. 1 - RM 12/2010
47. INVERSIO ACTIVA PENED+S, SA, SICA V ES - 78.00 1 - RM 12/2010
48. ACTIMAAF ACCIONES IBERICA, SA, SICA V ES 73.00 n.a. 1 - RM 12/2010
49. GAS GAS EXPLOTACIONES S.A. ES - 73.00 1 - RM 12/2010

50. GAS GAS MOTOS, SA ES - 73.00 1 - RM 12/2010
51. ENERGIA ORIENTAL SOCIEDAD LIMITADA ES - 61.00 1 - RM 12/2010
52. STAR RENTING SA ES - 60.00 1 - RM 12/2010

53. SAGANE INVERSIONES SL ES - 55.00 1 - RM 12/2010
54. ANTA INMOBILIARIA Y PROYECTOS ES - 50.00 1 - RM 12/2010
URBANISTICOS SL
55. ARQUITECTURA I IMMOBLES SA. ES - 50.00 1 - RM 12/2010
56. ARTE BENICARLO S.L. ES - 50.00 1 - RM 12/2010
57. BERGA CENTRE SL ES 50.00 n.a. 1 - RM 12/2010
58. BIG BANG SERVICIOS AVANZADOS ES - 50.00 1 - RM 12/2010
SOCIEDAD LIMITADA.
59. CAIXA PENEDES PENSIONS EGFP SA ES 50.00 n.a. 1 - RM 12/2010
60. CAIXA PENEDES VIDA D'ASSEGURANCES I ES 50.00 n.a. 1 - RM 12/2010
REASEGURANCES
61. CAJA GRANADA VIDA, COMPANIA DE ES - 50.00 1 - RM 12/2010
SEGUROS Y REASEGUROS
62. COMPLEMENTOS INMOBILIARIOS DE ES - 50.00 1 - RM 12/2010
PARETS SL
63. CYUM TECNOLOGIAS Y COMUNICACIONES ES 50.00 n.a. 1 - RM 12/2010
SL
64. DOFASUM SL ES - 50.00 1 - RM 12/2010
65. DOMUS CASTELAE SL ES - 50.00 1 - RM 12/2010
66. ESQUEMES ELS JARDINS DEL CENTRE SL ES - 50.00 1 - RM 12/2010
67. ESQUEMES I DETAILS, S.L. ES - 50.00 1 - RM 12/2010
68. ESQUEMES VIA VERDA S.L. ES - 50.00 1 - RM 12/2010
69. GRAMA DESARROLLOS COMERCIALES SL ES - 50.00 1 - RM 12/2010
70. GUARDAMAR CLUB RESORT S.L. ES - 50.00 1 - RM 12/2010
71. HOTELES PARTICIPADOS SL ES - 50.00 1 - RM 12/2010
72. INMOBILIARIA MAPINVER SA ES - 50.00 1 - RM 12/2010
73. INMOPERAFORT SL ES - 50.00 1 - RM 12/2010
74. JALISCO HOTELS SL ES - 50.00 1 - RM 12/2010
75. KEYMUR SL ES - 50.00 1 - RM 12/2010
76. LLINARS RESIDENCIAL SA ES - 50.00 1 - RM 12/2010
77. MAC INSULAR SEGUNDA SL ES - 50.00 1 - RM 12/2010
78. MAHECO RONDA SL ES - 50.00 1 - RM 12/2010
79. MAHECO Y ASOCIADOS GRUPO ES - 50.00 1 - RM 12/2010
INMOBILIARIO SL
80. OUA GESTIO DEL TERRITORI I URBANISME ES - 50.00 1 - RM 12/2010
SL
81. PROMOCIO GRACIA CARDENER SL ES - 50.00 1 - RM 12/2010
82. PROMOCIONES Y PROYECTOS MURCILOR ES - 50.00 1 - RM 12/2010
SL
83. PROYECTO GRAN VITA 454 S.L. n.a. - 50.00 1 - RM 12/2010
84. PUNT URBA SA ES - 50.00 1 - RM 12/2010
85. QUIMANNA BORGES SL ES - 50.00 1 - RM 12/2010
86. QUIMANNA HORTAL SL ES - 50.00 1 - RM 12/2010
87. RIU HABIT SL ES 50.00 n.a. 1 - RM 12/2010
88. SEGONA CORONA IMMOBILIARIA SL ES - 50.00 1 - RM 12/2010
89. SOL EDIFICAT PONENT SL ES 50.00 n.a. 1 - RM 12/2010
90. TRES CATORCE DESARROLLOS S.L. ES - 50.00 1 - RM 12/2010
91. TRIBUSA GESTIO SL ES - 50.00 1 - RM 12/2010
92. VIMODESARROLLOS SL ES - 50.00 1 - RM 12/2010
93. VIVEX SL ES - 50.00 1 - RM 12/2010
94. WELLNESS SPORT SL ES - 50.00 1 - RM 12/2010
95. AFI VALORACIONES SL. ES - 49.00 1 - RM 12/2010
96. MURAL-ESTADIO SOCIEDAD LIMITADA. ES - 48.00 1 - RM 12/2010
97. CIUTAT SAVALL SL ES - 45.00 1 - RM 12/2010
98. MARESUM PROMOCIONES S.L. ES - 45.00 1 - RM 12/2010
99. ORBI MEDITERRANEA SL ES - 45.00 1 - RM 12/2010
100. PUERTAS DE LORCA DESARROLLOS ES 45.00 n.a. 1 - RM 12/2010
EMPRESARIALES SOCIEDAD LIMITADA.
03
68
n.es
;Caja General
Caja de
ager for more
ager for more
Watch
ntages of
Op.
Date of Vari- No of
Revenue
(mil USD)*
08/2012 ð 48.0 49.0
08/2012 ð 12.0 9.0
08/2012 ð n.a. n.a.

08/2012 ð n.a. n.a.
12/2010 - 695.0 2,126.0
12/2010 - 752.0 3,280.0
12/2010 - 526.0 2,343.0
08/2012 ð n.a. n.a.

08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2010 - n.a. n.a.
08/2012 ð 2.0 9.0
03/2012 ð 14.0 9.0
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
03/2012 - 8.0 11.0
03/2012 - n.a. n.a.
03/2012 - n.a. n.a.
03/2012 ö 2.0 10.0
08/2012 ð <0,5 11.0
08/2012 ð 7.0 2.0
08/2012 ð n.a. n.a.
12/2010 - 2.0 5.0
12/2010 - n.a. n.a.

12/2010 - 1.0 19.0
12/2010 - n.a. n.a.
12/2010 - 63.0 24.0
12/2010 - n.a. n.a.

12/2010 - n.a. n.a.
12/2010 - 10.0 60.0
12/2010 - <0,5 2.0

12/2010 - n.a. n.a.
12/2010 - <0,5 n.a.
12/2010 - 1.0 1.0
12/2010 - n.a. 4.0
12/2010 - 22.0 7.0
12/2010 - 3.0 29.0

12/2010 - 33.0 n.a.
12/2010 - n.a. n.a.
12/2010 - 19.0 12.0
12/2010 - 6.0 30.0
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.

12/2010 - 56.0 98.0
12/2010 - 1.0 1.0
12/2010 - 23.0 18.0

12/2010 - <0,5 n.a.
12/2010 - n.a. 1.0
12/2010 - 3.0 n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.

12/2010 - 795.0 19.0
12/2010 - 85.0 10.0
12/2010 - n.a. n.a.
12/2010 - 1.0 1.0
12/2010 - 39.0 n.a.

12/2010 - <0,5 n.a.
12/2010 - <0,5 n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - <0,5 n.a.
12/2010 - n.a. n.a.
12/2010 - <0,5 n.a.
12/2010 - n.a. n.a.
12/2010 - 3.0 n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - <0,5 n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - <0,5 n.a.

12/2010 - 9.0 n.a.
12/2010 - n.a. n.a.

12/2010 - 8.0 n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - 2.0 n.a.
12/2010 - n.a. n.a.
12/2010 - <0,5 n.a.
12/2010 - <0,5 n.a.
12/2010 - <0,5 n.a.
12/2010 - n.a. n.a.
12/2010 - <0,5 n.a.
12/2010 - n.a. n.a.
12/2010 - 1.0 2.0
12/2010 - n.a. n.a.
Bankinter SA

Contact details
PICO DE SAN PEDRO 2 TRES CANTOS Phone number +34 (91) 806 94 69
Fax number +34 (91) 339 75 40
28046 MADRID Web Site Address www.bankinter.es
SPAIN
Bank History :
Established on June 4, 1965.
Accounting Standards International Financial Nickname BANKINCI
Types of accounts Cons., Uncons., Add. Cons. Model ALLBANKS

(02/11/2012) World rank, 2011 260
shareholders
No of recorded 101
subsidiaries
Peer Group

Size 1,148
information.
information.
Global summary

Unqualified Unqualified Audited Not Audited
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 45,388.0 42,525.5 39,883.6 40,896.6
Gross Loans 46,153.5 43,386.7 40,667.5 41,593.0
Less: Reserves for Impaired Loans/ NPLs 765.5 861.2 783.9 696.4
Derivatives 675.0 685.8 821.3 877.0
Fixed Assets 466.9 456.6 452.6 391.8
Total Assets 59,491.4 54,152.0 54,467.5 53,469.6

Derivatives 926.0 894.6 676.9 796.7
Trading Liabilities 1,503.3 1,089.3 879.3 161.8
Other (Non-Interest bearing) 1,639.8 1,474.3 1,518.3 934.5
Other Reserves 43.5 48.8 46.2 101.6
Equity 3,087.0 2,579.7 2,582.9 1,965.0
Notes
Loan Loss Reserves (Memo) 786.1 883.5 813.6 730.4

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Statement
Overheads 671.8 679.1 667.9 562.5
Other -17.2 3.9 -48.2 0.4
Tax 58.9 54.5 91.5 84.5
Net Income 181.2 150.7 254.4 252.3
Dividend Paid 58.5 74.5 136.0 120.3

Tier 1 Ratio 9.36 7.31 7.52 7.35
Total Capital 3,320.5 2,970.5 3,158.5 2,827.2
Tier 1 Capital 2,663.8 2,263.3 2,285.2 2,050.3
Net-Charge Offs 49.4 94.7 50.5 23.3

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 1,205.0 984.7 1,479.3 2,081.1

Total Interest Expense 1,093.6 652.6 879.9 1,921.9
Net Gains (Losses) on Other Securities 1.2 14.5 -2.9 4.2
Statement


Other Non-operating Income and Expenses -77.1 -22.3 -29.6 7.1
Pre-tax Profit 240.1 205.2 345.9 336.8
Tax expense 58.9 54.5 91.5 84.5
Net Income 181.2 150.7 254.4 252.3
Change in Value of AFS Investments -6.2 -52.8 28.3 34.4

Revaluation of Fixed Assets 0.0 0.1 n.a. n.a.
Currency Translation Differences n.a. 0.1 n.a. -0.3
Remaining OCI Gains/(losses) n.a. n.a. n.a. n.a.
Memo: Profit Allocation to Non-controlling Interests n.a. n.a. n.a. 0.0
Balance Sheet
Assets
Loans
Residential Mortgage Loans n.a. 25,712.0 n.a. n.a.
Corporate & Commercial Loans n.a. 16,141.0 n.a. n.a.
Other Loans 46,153.5 1,533.7 40,667.5 41,593.0
Net Loans 45,388.0 42,525.5 39,883.6 40,896.6
Gross Loans 46,153.5 43,386.7 40,667.5 41,593.0
Loans and Advances to Banks 1,042.3 772.3 3,786.1 3,197.3
Derivatives 675.0 685.8 821.3 877.0
Held to Maturity Securities 3,150.9 3,241.6 1,621.7 0.0
Other Securities n.a. n.a. 0.0 0.0
Investments in Property n.a. n.a. 0.0 0.0
Non-earning Assets
Foreclosed Real Estate 308.5 271.5 261.0 54.0
Fixed Assets 466.9 456.6 452.6 391.8
Goodwill 161.8 161.8 161.8 0.0
Discontinued Operations n.a. n.a. 0.0 0.0
Other Assets 97.2 111.4 139.9 71.4
Total Assets 59,491.4 54,152.0 54,467.5 53,469.6
Customer Deposits - Savings 2,869.5 463.7 343.8 437.7
Funding
Other Funding n.a. n.a. n.a. 8,044.3
Derivatives 926.0 894.6 676.9 796.7
Trading Liabilities 1,503.3 1,089.3 879.3 161.8
Total Funding 54,529.9 49,678.6 49,941.9 50,085.8
Fair Value Portion of Debt n.a. n.a. 0.0 0.0
Other Deferred Liabilities n.a. n.a. 0.0 0.0
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as 404.8 n.a. 0.0 0.0
Equity
Equity
Common Equity 2,713.8 2,602.5 2,553.0 1,963.4
Non-controlling Interest n.a. n.a. 0.0 0.0
Securities Revaluation Reserves -29.2 -23.0 29.8 1.5
Fixed Asset Revaluations and Other Accumulated -2.6 n.a. 0.0 0.1
OCI
Total Equity 2,682.2 2,579.7 2,582.9 1,965.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
Assets%
Capitalization
Loan Quality
Growth of Total Assets% 9.86 -0.58 1.87 7.70
%
Foreclosed Assets%
Funding
%
Reference Data
Managed Securitized Assets Reported Off-Balance 1,256.3 1,485.4 1,718.6 2,002.4
Sheet
Other off-balance sheet exposure to securitizations n.a. n.a. 0.0 0.0
Guarantees 2,439.7 2,361.2 2,263.4 2,489.8

balance sheet
Average Loans 43,883.5 42,355.1 40,746.3 39,951.5
Average Assets 57,443.1 55,153.0 54,334.0 50,882.0
Average Managed Assets Securitized Assets (OBS) 1,370.9 1,589.1 1,863.8 2,172.9
Average Equity 2,642.1 2,604.4 2,322.0 1,850.5
Maturities
Loans & Advances < 3 months n.a. n.a. 4,914.0 4,866.0
Loans & Advances 3 - 12 Months n.a. n.a. 8,051.0 7,860.0
Loans and Advances 1 - 5 Years n.a. n.a. 10,950.0 10,622.0
Loans & Advances > 5 years n.a. n.a. 23,150.0 26,528.0
Debt Securities < 3 Months n.a. n.a. 666.0 1,111.0

Debt Securities 3 - 12 Months n.a. n.a. 3,164.0 843.0
Debt Securities > 5 Years n.a. n.a. 543.0 3,910.0
Interbank < 3 Months n.a. n.a. 3,574.6 3,050.5

Interbank 3 - 12 Months n.a. n.a. 0.0 0.0
Interbank 1 - 5 Years n.a. n.a. 0.0 0.0
Interbank > 5 Years n.a. n.a. 51.4 269.5



Net Income 181.2 150.7 254.4 252.3
Equity 2,682.2 2,579.7 2,582.9 1,965.0
Add: Pref. Shares and Hybrid Capital accounted for 404.8 n.a. 0.0 0.0
as Equity

interests)
on the B/S- CC only
Goodwill 161.8 161.8 161.8 0.0
securitizations
Total Interest Income on Loans 1,205.0 984.7 1,479.3 2,081.1

Assets
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a. 2,852.9 1,516.9
breakdown)
Trading Assets - Debt Securities - Corporates 0.0 n.a. n.a. n.a.
Trading Assets - Equities n.a. n.a. 126.7 52.7
Income Statement
Total Trading Assets at FV through the Income n.a. n.a. 2,979.6 1,560.5
Statement
breakdown)
AFS Assets - Government n.a. 1,030.2 1,268.5 3,409.8
AFS Assets - Equities n.a. 138.3 90.9 60.1
AFS Assets - Other n.a. 0.0 0.0 0.0
Total AFS Assets 4,776.1 3,100.2 3,345.1 5,601.3
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. 932.6 0.0
HTM - Government n.a. n.a. 689.1 0.0

Total HTM Debt Securities 3,150.9 3,241.6 1,621.7 0.0
Total Debt Securities - Government n.a. 1,030.2 1,957.6 3,409.8
Total Debt Securities - Corporates 0.0 n.a. n.a. n.a.
Total Debt Securities - Equities & Other n.a. 138.3 217.6 112.8
Asset Quality Data

Net Charge-offs
Recoveries 178.9 4.6 3.4 2.8
Net Charge-offs 49.4 94.7 50.5 23.3
Reserves
Individual/Specific Loan Impairment Reserves 668.0 727.0 416.0 165.7

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 880.1 879.2 879.1 517.7

dividends
Treasury Shares 0.7 1.8 n.a. 44.0
Non-controlling Interest n.a. n.a. 0.0 0.0
Valuation Reserves for AFS Securities in OCI Total -29.2 -23.0 29.8 1.5
Valuation Reserves for PP&E/Fixed Assets in OCI 0.2 0.2 0.1 n.a.
Valuation Reserves in OCI - Other -2.6 n.a. n.a. n.a.
Total Valuation Reserves in OCI -31.6 -22.8 29.9 1.5
Total OCI Reserves -31.6 -22.8 29.9 1.5
Total Other Equity Reserves -31.6 -22.8 29.9 1.5
Hybrid Securities Reported in Equity 404.8 n.a. 0.0 0.0
Interests
absorbing

Capital
Hybrid Capital Fitch Class B n.a. n.a. 0.0 0.0
Hybrid Capital Fitch Class C n.a. n.a. 0.0 0.0
Hybrid Capital Fitch Class D n.a. n.a. 0.0 0.0
Regulatory Capital
II
II
Capital
Reverse repurchase agreements included in loans n.a. n.a. 6.5 0.0
Reverse repurchase agreements included in loans n.a. n.a. 3,190.6 2,913.5
Reverse repurchase agreements in assets - other n.a. n.a. 0.0 0.0
Cash collateral on securities borrowed n.a. 3,982.9 n.a. n.a.
Repurchase agreements included in customer n.a. n.a. 0.0 0.0
deposits
Repurchase agreements included in deposits from n.a. n.a. 0.0 0.0
banks
Repurchase agreements included in liabilities - other n.a. n.a. 8,808.2 9,454.2

Average Reverse repurchase agreements included n.a. n.a. 3.3 81.9
in loans

Number of Branches 366 367 369 372
Assets under Management 0.0 n.a. n.a. n.a.
Total Exposure to Central Bank 297.8 90.7 406.8 245.9
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 9.36 7.31 7.52 7.35
Equity / Net Loans 6.80 6.07 6.48 4.81
Operations
Dividend Pay-Out 32.29 49.44 53.46 47.68
Liquidity
Interbank Ratio 20.30 21.57 35.87 171.65
General information


ISIN number: ES0113679I37
Ticker symbol: BKT

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Munchen
Boerse Stuttgart
Market price - May 2.47 4.69 4.63 8.59 9.22 13.62 10.40 8.13

Price trends (%)

BETA


BOLSA DE MADRID)
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 29/08/2012 Crédit Agricole may divest Bankinter stake (deal no.
1601398068)
2 18/07/2012 New Bankinter shares to being trading on August 13th (deal no.
1601388145)
3 07/02/2012 Bankinter and Mapfre create a new joint venture (deal no.
1601340951)
4 15/04/2011 Bankinter completes placing of convertible bonds (deal no.
1601253239)
5 23/03/2011 Bankinter to offer shareholders scrip dividend (deal no.
1601257375)
6 14/03/2011 Gala Fund Management funds and Grupo Talden acquire Neo
Sky from Iberdrola (deal no. 1601238576)
7 21/12/2010 Cartival increases stake in Bankinter (deal no. 1601225054)
8 01/12/2010 Altia completes IPO (deal no. 1601088220)
9 12/11/2010 New Bankinter CEO increases stake (deal no. 1601230493)
10 30/07/2010 Cartival to acquire Bankinter shares (deal no. 1601208358)
11 30/07/2010 Cartival to acquire Bankinter shares (deal no. 1601208360)
12 21/07/2010 Línea Directa denies possibility of a sale by Bankinter (deal no.
1601204677)
13 23/04/2010 Bankinter may make acquisitions (deal no. 1601181060)
14 15/02/2010 TT International acquires further Bankinter shares (deal no.
1601160451)
15 12/02/2010 TT International acquires further Bankinter shares (deal no.
1601160076)
16 11/02/2010 TT International acquires Bankinter shares (deal no.
1601159659)
17 08/02/2010 TT International acquires more Bankinter shares (deal no.
1601158234)
18 05/02/2010 TT International acquires Bankinter shares (deal no.
1601158130)
19 02/02/2010 Marshall Wace continues to sell Bankinter shares (deal no.
1601156642)
20 29/01/2010 Marshall Wace continues to offload Bankinter shares (deal no.
1601155770)
21 28/01/2010 Marshall Wace offloads more Bankinter shares (deal no.
1601155359)
22 27/01/2010 Marshall Wace sells Bankinter shares (deal no. 1601154954)
23 22/01/2010 Marshall Wace sells Bankinter shares (deal no. 1601153406)
24 23/10/2009 Caja Madrid sells a stake in Bankinter (deal no. 1601127627)
25 24/09/2009 Caja Madrid reduces stake in Bankinter (deal no. 1601118569)
26 31/08/2009 Mr Griffin increases its stake in Bankinter (deal no. 1601108679)
27 03/06/2009 Bankinter completes rights issue (deal no. 1601071584)

28 23/04/2009 Crédit Agricole plans Bankinter stakebuild: report (deal no.
1601071636)
29 22/04/2009 Crédit Agricole to increase its stake in Bankinter (deal no.
1601071636)
30 22/04/2009 Crédit Agricole increases its stake in Bankinter (deal no.
1601071581)
31 16/04/2009 Bankinter to acquire remaining stake in LDA (deal no.
1601069921)
32 03/10/2008 Credit Agricole increases its stake in Bankinter (deal no.
1601020838)
33 25/04/2008 Mr Luis Portillo sells stake in Colonial to settle debt (deal no.
636817)
34 06/03/2008 Crédit Agricole increases its stake in Bankinter (deal no. 594847)
35 06/03/2008 Credit Agricole increases its stake in Bankinter (deal no. 595559)
36 25/02/2008 Banco de Espana authorizes Cartival to increase its stake in

Bankinter (deal no. 598013)
37 28/11/2007 Mr Fernando Masaveu increases his stake in Bankinter (deal no.
599635)
38 22/11/2007 Crédit Agricole set on 30 per cent of Bankinter (deal no.
595559)
39 01/10/2007 Mr Ramchand Bhavnani increases his stake in Bankinter (deal
no. 580117)
40 27/09/2007 Bankinter SA buys remaining stake in JV with Capital One Bank
PLC (deal no. 578686)
41 26/09/2007 Mr Ramchand Bhavnani increases his stake in Bankinter (deal
no. 580114)
42 11/09/2007 Mr Ramchand Bhavnani increases stake in Bankinter (deal no.
576407)
43 17/08/2007 Mr Ramchand Bhavnani reduces stake in Bankinter SA (deal no.
567584)
44 28/06/2007 Mapfre acquires half of Bankinter Seguros de Vida (deal no.
525961)
45 27/06/2007 Mr Ram Bhavnani increases stake in Bankinter (deal no.
550812)
46 12/06/2007 Mr Pedro Guerrero increases stake in Bankinter (deal no.
545649)
47 22/05/2007 Mr Ram Bhavnani increases stake in Bankinter (deal no.
542222)
48 15/05/2007 Mr Ram Bhavnani increases Bankinter stake (deal no. 538204)
49 15/05/2007 Mr Ram Bhavnani may increase Bankinter stake (deal no.
538210)
50 02/05/2007 Mr Ram Bhavnani increases Bankinter stake (deal no. 538407)
Source : Zephyr
Boards & committees

= also shareholder
1. Mr. Pedro Guerrero Guerrero - Executive Chairman BoD VI
P002179592 - Chairman, Management ExeB, OthBC VI
Committee and Coordination
Committee
2. Mr. Alfonso Botín-Sanz de - Non-executive Deputy Chairman BoD VI
Sautuola y Nevada (Cartival S.A.)
P087640803
3. Mr. José Ramón Arce Gómez - Independent non-executive BoD VI
P002179576 Director
4. Marcelino Botín-Sanz de Sautuola - Non-executive Director BoD VI
y Naveda
P039813608
5. Mr. Gonzalo Antonio De La Hoz - Independent non-executive BoD VI
Lizcano Director
P002179586
6. Mr. John De Zulueta - Independent non-executive BoD VI
Greenebaum Director
P002179587
7. Mr. Jaime Echegoyen Enríquez de - Executive Director BoD VI
la Orden - Member, Management ExeB VI
8. Mr. José Antonio Garay Ibargaray - Independent non-executive BoD VI
Director
P002179589
9. Mr. Fernando Maria Masaveu - Non-executive Director BoD VI
Herrero
P002179593
10. Mr. Rafael Mateu De Ros Cerezo - Non-executive Director BoD VI
P002617795 - Secretary to the Board of BoD VI
Directors
11. Mr. Jaime Terceiro Lomba - Independent non-executive BoD VI
P066170374 Director
12. Mr. Pablo De Diego Portoles - Member, Management ExeB VI
P050161583 Committee (Resources)
13. Mr. Lázaro de Lázaro - Member, Management ExeB VI
P042162952 Committee (Markets and
Products)
14. Mr. Iñigo Guerra - Member, Management ExeB VI
P087642999 Committee (General Secretariat)
15. Mr. Fernando Moreno Marcos - Member, Management ExeB VI

P039791750 Committee (Customers)
16. Mr. David Pérez Renovales - Member, Management ExeB VI
P094013839 Committee (Risk & Finance)
17. Mr. Idoia Maguregui - Member, Coordination OthBC VI
P066333377 Committee (Technology)
18. Rita Rodríguez Arrojo - Member, Coordination OthBC VI
P042161985 Committee (Intangible Assets)
19. Mr. Alfonso Maria Saez Alonso - Member, Coordination OthBC VI
Muñumer Committee (Innovation and
P042181032 Development Corporate)
Management & staff

= also shareholder
1. Mr. Jaime Echegoyen Enríquez de - Managing Director SenMan VI
la Orden
P002179588
2. Mr. Guillermo Gutiérrez-Senderos - Personnel Manager HR VI
P066333393
3. Mrs. Marta Prieto - Personnel Manager HR VI
P066333394
4. Mr. Juan Álvarez - Senior Marketing Executive MarkAdv VI
P042179664
5. Alfonso Alfaro Llovera - Organisation Manager Oper VI
P002222755 (Corporate Madrid)
6. Luis Fernando Azcona López - Organisation Manager (Northern Oper VI
P066333370 Spain)
7. Antonio Berdiel Bitrian - Organisation Manager (Navarra- Oper VI
P066333339 Aragon-Rioja-Soria)
8. Mrs. Carmen Casado - Private Banking Project Manager Oper VI
P066333405
9. Juan Manuel Castaño Escudero - Organisation Manager (Castile Oper VI
P066333315 and Leon la Mancha-
Extremadura)
10. Joaquín Da Silva Castaño - Organisation Manager (North- Oper VI
P066333348 Western Spain)
11. Sebastián Alvarado Díaz-Agero - Organisation Manager (Las Oper VI
P069045929 Palmas)
12. José Luis Dionisio Cervantes - Organisation Manager (Eastern Oper VI
P066333318 Spain)
13. Antonio Fayos Crespo - Organisation Manager Oper VI
P087648983 (Catalonia)
14. Mr. Ángel González Migaraya - Manager of Madrid Main Officer Oper VI
P097925935
15. Eduardo Ozaita Vega - Organisation Manager Oper VI
P005905806 (Andalusia)
16. Lucas Peinado Mataix - Organisation Manager (Balearic Oper VI
P066333314 Islands)
17. José Pérez Jiménez - Organisation Manager (Tenerife) Oper VI
P104212485
18. Mr. José Luis Vega Riestra - Organisation Manager (Madrid Oper VI
P066333319 East)
19. Mr. Juan Jesus Villasante Cerro - Organisation Manager (Madrid Oper VI
P043061386 West)
20. Mrs. Gema Cordero - Risk Model Unit Manager OthDep VI
P066333398
21. Mrs. Ángeles Ramos - Regulatory Capital Unit Manager OthDep VI
P066333406
22. Mrs. Yolanda Sanz - Senior Image and Brand OthDep VI
P066333409 Manager Executive
23. Jaime Hernández Marcos - Investor Relations OthDep VI
P066333390
24. Mrs. Alejandra Marrupe - Quality Consultant OthDep VI
P066333391
25. Mrs. Gloria Ortiz Portero - Investor Relations OthDep VI
P042215568

Ownership Source


1. ARROYO BUSINESS CONSULTING ES 100.00 100.00 1 UO+ RM 12/2011
DEVELOPMENT SL
2. BANKINTER CAPITAL RIESGO I FCR. ES 100.00 100.00 1 UO+ IP 08/2012
3. BANKINTER EMISIONES SA. ES 100.00 100.00 1 UO+ RM 12/2011
4. BANKINTER SOCIEDAD DE FINANCIACION ES 100.00 100.00 1 UO+ IP 08/2012
S.A.
5. LINEA DIRECTA ASEGURADORA SA ES 100.00 100.00 1 UO+ RM 12/2011
6. BANKINTER CONSULTORIA ES 99.99 100.00 1 UO+ RM 12/2011
ASESORAMIENTO Y ATENCION
TELEFONICA SA
7. BANKINTER CONSUMER FINANCE EFC SA ES 99.99 100.00 1 UO+ RM 12/2011

8. BANKINTER GESTION DE ACTIVOS SA ES 99.99 100.00 1 UO+ RM 12/2011
SOCIEDAD GESTORA DE INSTITUCIONES
DE INVERSION COLECTIVA
9. INTERMOBILIARIA SA ES 99.99 100.00 1 UO+ RM 12/2011

10. AMBAR MEDLINE SL ES - 100.00 1 UO+ RM 12/2011
11. CENTRO AVANZADO DE REPARACIONES ES - 100.00 1 UO+ RM 12/2011
CAR SL
12. LINEA DIRECTA ACTIVOS SL ES - 100.00 1 UO+ RM 12/2011
13. LINEA DIRECTA ASISTENCIA SL ES - 100.00 1 UO+ RM 12/2011
14. MOTO CLUB LDA SL ES - 100.00 1 UO+ RM 12/2011
15. RELANZA GESTION SA ES - 100.00 1 UO+ RM 12/2011
16. BANKINTER CAPITAL RIESGO SOCIEDAD ES 99.99 n.a. 1 UO+ IP 08/2012
GESTORA DE ENTIDADES DE CAPITAL
RIESGO SA
17. GNEIS GLOBAL SERVICES SA ES 99.99 n.a. 1 UO+ IP 08/2012

18. HISPAMARKET SA ES 99.99 n.a. 1 UO+ IP 08/2012
19. BANKINTER SEGUROS GENERALES SA DE ES 50.10 n.a. 1 UO OS 02/2012
20. BANKINTER SEGUROS DE VIDA SA DE ES 50.00 n.a. 1 - RM 12/2011
21. NAVIERA CAPRICCIO AIE ES 50.00 n.a. 1 - IP 09/2011
22. NAVIERA TITONA AIE ES 50.00 n.a. 1 - IP 08/2012
23. NAVIERA SAN FRANCISCO AIE ES 49.00 n.a. 1 - IP 09/2011
24. EUROBITS TECHNOLOGIES SL ES 40.01 n.a. 1 - IP 08/2012
25. HELENA ACTIVOS LIQUIDOS SL ES 29.63 n.a. 1 - IP 08/2012
26. MERCAVALOR SOCIEDAD DE VALORES SA ES 20.01 n.a. 1 - RM 12/2011
27. AZKOYEN SA via its funds ES - 4.49 1 - FS 03/2012
28. EURONA WIRELESS TELECOM, S.A. via its ES - 3.16 1 - FS 06/2012
funds
29. ARRENDADORA AERONAUTICA AIE ES 2.58 n.a. 1 - IP 08/2012
MEDIOS DE PAGO SA
31. ALTIA CONSULTORES S.A. via its funds ES - 2.14 1 - FS 06/2012
32. SACRE-COEUR MINERALS, LTD. via its CA - 1.60 1 - FS 06/2012
funds
33. EUROPEA DE TITULIZACION, SA, SGF T ES 1.56 n.a. 1 - IP 09/2011
34. ANDOVER MINING CORP. via its funds CA - 0.88 1 - FS 06/2012
35. BELLHAVEN COPPER & GOLD INC via its CA - 0.61 1 - FS 06/2012
funds
36. GRUPO CATALANA OCCIDENTE SA via its ES - 0.60 1 - FS 06/2012
funds
37. KAWASUMI LABORATORIES, INC. via its JP - 0.60 1 - FS 06/2012
funds
38. CANARC RESOURCE CORPORATION via its CA - 0.56 1 - FS 06/2012
funds
39. HOKKAIDO COCA-COLA BOTTLING CO LTD JP - 0.50 1 - FS 06/2012
via its funds
40. BOLSAS Y MERCADOS ESPANOLES ES - 0.49 1 - FS 06/2012
SISTEMAS FINANCIEROS SA via its funds
41. BODACLICK, S.A. via its funds ES - 0.48 1 - FS 12/2011

42. CHINA MINERALS MINING CORPORATION CA - 0.47 1 - FS 06/2012
via its funds
43. BODEGAS RIOJANAS S.A. via its funds ES - 0.46 1 - FS 03/2012
44. CADAN RESOURCES CORPORATION via its CA - 0.45 1 - FS 06/2012
funds
45. NITTO FC CO LTD via its funds JP - 0.41 1 - FS 06/2012
46. FERSA ENERGIAS RENOVABLES, S.A. via its ES - 0.37 1 - FS 06/2012
funds
47. UNITED SILVER CORP via its funds CA - 0.36 1 - FS 06/2012
48. HYDROGENICS CORPORATION via its CA - 0.34 1 - FS 03/2012
funds
49. DAIWA INDUSTRIES LTD via its funds JP - 0.33 1 - FS 06/2012
50. OBRASCON HUARTE LAIN S.A. via its funds ES - 0.32 1 - FS 06/2012
51. WEALTH MINERALS LTD. via its funds CA - 0.32 1 - FS 06/2012

52. CONSTRUCCIONES Y AUXILIAR DE ES - 0.31 1 - FS 06/2012
FERROCARRILES, S.A. - CAF via its funds
53. MONUMENT MINING LIMITED via its funds CA - 0.31 1 - FS 06/2012
54. SANSEI YUSOKI CO., LTD. via its funds JP - 0.31 1 - FS 06/2012
55. JAZZTEL P.L.C. via its funds GB - 0.29 1 - FS 06/2012
56. VUELING AIRLINES, S.A. via its funds ES - 0.27 1 - FS 06/2012
57. DONNER METALS LTD via its funds CA - 0.26 1 - FS 06/2012
58. FOMENTO DE CONSTRUCCIONES Y ES - 0.26 1 - FS 06/2012
CONTRATAS SA via its funds
59. ABENGOA S.A. via its funds ES - 0.24 1 - FS 06/2012
60. ADVEO GROUP INTERNATIONAL, S.A. via ES - 0.24 1 - FS 03/2012
its funds
61. CEMENTOS PORTLAND VALDERRIVAS S.A. ES - 0.24 1 - FS 03/2012
via its funds
62. PROMOTORA DE INFORMACIONES SA ES - 0.24 1 - FS 06/2012
(PRISA) via its funds
63. TECNICAS REUNIDAS, S.A. via its funds ES - 0.24 1 - FS 06/2012
64. GENERAL DE ALQUILER DE MAQUINARIA ES - 0.23 1 - FS 06/2012
SA via its funds
65. LET'S GOWEX, S.A. via its funds ES - 0.23 1 - FS 03/2012
66. PAPELES Y CARTONES DE EUROPA S.A. via ES - 0.23 1 - FS 06/2012
its funds
67. ACERINOX SA via its funds ES - 0.22 1 - FS 06/2012
68. FUKUDA DENSHI CO LTD via its funds JP - 0.22 1 - FS 06/2012
69. WATABE WEDDING CORPORATION via its JP - 0.22 1 - FS 06/2012
funds
70. AFRICAN QUEEN MINES LTD via its funds CA - 0.21 1 - FS 06/2012
71. KYOTO KIMONO YUZEN CO LTD via its JP - 0.21 1 - FS 06/2012
funds
72. FAES FARMA SA via its funds ES - 0.20 1 - FS 06/2012
73. URANIUM PARTICIPATION CORPORATION CA - 0.20 1 - FS 06/2012
via its funds
74. ADOLFO DOMINGUEZ S.A. via its funds ES - 0.19 1 - FS 03/2012
75. ENAGAS, S.A. via its funds ES - 0.19 1 - FS 06/2012
76. MEDIASET ESPAÑA COMUNICACION, S.A. ES - 0.19 1 - FS 06/2012
via its funds
77. STERLING ENERGY PLC via its funds GB - 0.19 1 - FS 04/2012
78. GAMESA CORPORACION TECNOLOGICA SA ES - 0.18 1 - FS 06/2012
via its funds
79. MEDIKIT CO., LTD. via its funds JP - 0.18 1 - FS 06/2012
80. MIQUEL Y COSTAS & MIQUEL SA - MCM via ES - 0.18 1 - FS 03/2012
its funds
81. ENCE ENERGIA Y CELULOSA S.A. via its ES - 0.17 1 - FS 06/2012
funds
82. GRUPO TAVEX, S.A. via its funds ES - 0.17 1 - FS 03/2012
83. TSURUMI MANUFACTURING CO LTD via its JP - 0.17 1 - FS 06/2012
funds
84. THOMAS COOK GROUP PLC via its funds GB - 0.16 1 - FS 08/2012
85. SALAMANDER ENERGY PLC via its funds GB - 0.15 1 - FS 03/2012
86. AMADEUS IT HOLDING, S.A. via its funds ES - 0.14 1 - FS 06/2012
87. EXCELSIOR MINING CORP. via its funds CA - 0.14 1 - FS 06/2012
88. VIDRALA SA via its funds ES - 0.14 1 - FS 06/2012
89. IBERPAPEL GESTION S.A. via its funds ES - 0.13 1 - FS 06/2012
90. SOTOGRANDE S.A. via its funds ES - 0.13 1 - FS 06/2012
91. TUBACEX S.A. via its funds ES - 0.13 1 - FS 06/2012
92. LABORATORIOS FARMACEUTICOS ROVI SA ES - 0.12 1 - FS 06/2012
via its funds
93. SACYR VALLEHERMOSO, S.A. via its funds ES - 0.11 1 - FS 06/2012
94. GRUPO AMPER SA via its funds ES - 0.10 1 - FS 03/2012
95. STRATHMORE MINERALS CORP. via its CA - 0.10 1 - FS 06/2012
funds
96. FRIA LUZ DEL DIA AIE ES - n.a. 1 - IP 03/2012
97. GRUPO INDUSTRIAL CATENSA, SA ES - n.a. 1 - IP 08/2012
98. INMOBILIARIA COLONIAL, S.A. ES - n.a. 1 - IP 09/2011
99. MOBIPAY ESPAÑA SA ES - n.a. 1 - IP 03/2012
100. SOCIEDAD ESPAÑOLA DE SISTEMAS DE ES - n.a. 1 - IP 03/2012
PAGO, SA
94 69
75 40
.es
pe)
ager for more
ager for more
Watch
IFRS IFRS IFRS IFRS

Audited Audited Audited Audited
31/12/2007 31/12/2006 31/12/2005 31/12/2004
37,773.5 31,653.8 26,139.4 20,181.6

38,314.9 32,153.2 26,551.5 20,521.8
541.4 499.4 412.1 340.2
10,135.5 12,849.9 13,255.1 10,116.2
4,469.2 5,387.1 4,205.2 1,897.2
232.2 227.9 345.8 139.3
5,434.1 7,234.9 8,700.3 7,844.6
0.0 0.0 3.8 235.1
47,909.0 44,503.7 39,394.5 30,297.8
361.9 343.6 326.2 314.9
1,377.8 1,228.5 1,065.3 657.5
49,648.7 46,075.8 40,786.0 31,270.2
34,744.8 28,822.7 25,409.0 22,305.7

15,641.4 12,867.7 10,270.5 13,583.7
2,046.1 2,944.6 3,315.9 2,869.3
17,057.3 13,010.4 11,822.6 5,852.7
12,172.5 14,349.9 12,505.7 5,679.8
144.8 102.4 298.0 106.1
804.5 2,462.6 3,107.2 1,170.9
11,223.2 11,784.9 9,100.5 4,402.8
836.0 1,154.0 1,260.9 1,462.6
33.5 n.a. n.a. n.a.
116.5 164.6 162.6 157.1
1,745.4 1,584.6 1,447.8 1,665.0
49,648.7 46,075.8 40,786.0 31,270.2
153.7 91.6 70.6 78.6

574.9 499.4 412.1 340.2
6,948.2 8,563.1 9,032.1 4,009.0
9.7 3.3 0.4 0.3
13,917.9 13,015.0 8,203.4 6,196.0
348.8 347.5 347.6 n.a.

571.6 594.2 382.0 377.3

31/12/2007 31/12/2006 31/12/2005 31/12/2004
587.8 473.6 430.3 389.2
387.1 370.0 300.3 243.1
12.0 74.3 -17.2 -7.5
3.7 2.8 5.2 n.a.
244.2 217.1 189.7 178.1

127.2 75.8 122.6 72.5
544.5 431.9 379.0 331.6
75.5 97.3 80.4 32.3
129.6 1.9 -5.8 -7.6
484.5 316.3 265.4 260.8
122.6 107.8 77.7 87.4
361.9 208.5 187.7 173.4
933.7 814.0 706.0 612.4
118.8 102.1 92.7 60.2
9.55 10.03 10.25 12.45

6.32 6.86 7.32 8.63
2,874.1 2,521.3 2,143.2 2,023.8
1,901.2 1,724.0 1,530.7 1,402.6
36.4 13.7 n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1,658.0 1,218.7 805.6 633.6
494.1 237.2 271.0 210.6
19.3 16.3 9.3 11.0
2,171.4 1,472.2 1,085.9 855.2
596.0 572.0 413.0 303.2

987.6 426.6 242.6 162.8
1,583.6 998.6 655.6 466.0
587.8 473.6 430.3 389.2
12.0 74.3 -17.2 -7.5

14.9 -27.3 42.7 11.3
3.7 2.8 5.2 n.a.
2.6 1.7 -0.1 0.5

244.2 217.1 189.7 178.1
68.5 71.8 55.4 40.8
345.9 340.4 275.7 223.2
298.3 227.3 192.4 168.6
246.2 204.6 186.6 163.0
544.5 431.9 379.0 331.6
41.2 29.6 24.6 19.9

430.4 411.7 351.6 300.7
75.5 97.3 80.4 32.3
0.3 0.0 0.0 0.0
354.6 314.4 271.2 268.4
0.0 n.a. n.a. n.a.

143.0 -0.6 -0.1 -0.2
0.0 0.0 n.a. n.a.
0.0 n.a. n.a. n.a.
-13.1 2.5 -5.7 -7.4
484.5 316.3 265.4 260.8
122.6 107.8 77.7 87.4
0.0 n.a. n.a. n.a.
361.9 208.5 187.7 173.4
-55.6 -39.4 1.0 61.1

n.a. n.a. n.a. n.a.
-0.8 1.1 0.1 0.0
n.a. n.a. n.a. n.a.
305.5 170.2 188.8 234.5
0.0 n.a. n.a. n.a.
361.9 208.5 187.7 173.4
118.8 102.1 92.7 60.2

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
38,314.9 32,153.2 26,551.5 20,521.8
541.4 499.4 412.1 340.2
37,773.5 31,653.8 26,139.4 20,181.6
38,314.9 32,153.2 26,551.5 20,521.8
153.7 91.6 70.6 78.6
n.a. n.a. n.a. n.a.
4,469.2 5,387.1 4,205.2 1,897.2

n.a. n.a. n.a. n.a.
1,532.5 2,636.8 4,391.0 1,941.0
232.2 227.9 345.8 139.3
3,747.0 4,491.6 3,781.6 5,405.3
0.0 0.0 448.3 444.3
154.6 106.5 79.4 54.0
0.0 0.0 n.a. n.a.
5,666.3 7,462.8 9,046.1 7,983.9
4,418.8 6,694.9 8,242.5 7,357.6
3,882.9 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 0.0 n.a. 2.2
0.0 n.a. 3.8 232.9
47,909.0 44,503.7 39,394.5 30,297.8
946.5 539.2 435.9 170.8

n.a. n.a. n.a. n.a.
4.5 4.0 n.a. n.a.
361.9 343.6 326.2 314.9
0.0 0.0 0.0 0.0
9.7 3.3 0.4 0.3
50.1 45.2 101.6 72.3
197.1 181.1 181.1 228.1
0.0 0.0 n.a. n.a.
169.9 455.7 346.3 186.0
49,648.7 46,075.8 40,786.0 31,270.2
9,459.8 8,991.6 7,769.0 11,103.5

349.7 152.5 112.2 200.0
5,831.9 3,723.6 2,389.3 2,280.2
15,641.4 12,867.7 10,270.5 13,583.7
2,046.1 2,944.6 3,315.9 2,869.3
n.a. n.a. n.a. n.a.
17,057.3 13,010.4 11,822.6 5,852.7
34,744.8 28,822.7 25,409.0 22,305.7
4,611.1 10,843.2 8,370.9 4,025.5

571.6 594.2 382.0 377.3
5,691.7 0.0 n.a. n.a.
10,874.4 11,437.4 8,752.9 4,402.8
144.8 102.4 298.0 106.1
804.5 2,462.6 3,107.2 1,170.9
46,568.5 42,825.1 37,567.1 27,985.5
0.0 n.a. n.a. n.a.

33.5 n.a. n.a. n.a.
116.5 164.6 162.6 157.1
56.6 66.7 26.6 0.0
46.9 71.8 101.7 154.6
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 488.3 622.8 730.6
732.5 527.2 509.8 577.4
47,554.5 44,143.7 38,990.6 29,605.2
348.8 347.5 347.6 n.a.
0.0 0.0 n.a. 348.8
1,777.9 1,560.7 1,385.6 1,255.1

0.0 n.a. n.a. n.a.
-32.9 22.7 62.1 61.1
0.0 n.a. n.a. n.a.
0.4 1.2 0.1 0.0
1,745.4 1,584.6 1,447.8 1,316.2

49,648.7 46,075.8 40,786.0 31,270.2
1,735.7 1,581.3 n.a. n.a.
2,084.5 1,928.8 n.a. n.a.
4.68 4.10 3.42 n.a.

3.68 3.99 3.46 n.a.
4.71 3.50 3.12 n.a.

3.58 2.49 2.00 n.a.
1.27 1.12 1.23 n.a.

1.11 0.89 1.00 n.a.
1.27 1.12 1.23 n.a.

37.05 41.82 39.05 36.45
58.32 53.06 53.68 54.15
1.15 0.99 1.05 n.a.
25.14 26.83 25.44 n.a.
0.91 0.95 0.98 n.a.
17.61 23.63 22.87 10.74
20.72 20.49 19.62 n.a.

0.75 0.72 0.75 n.a.
25.30 34.08 29.28 33.51
1.43 1.64 1.68 1.85
1.18 1.25 1.30 1.65
21.14 13.59 13.58 n.a.

0.76 0.48 0.52 n.a.
17.85 11.09 13.66 n.a.
0.64 0.39 0.52 n.a.
0.72 0.45 n.a. n.a.
1.20 0.83 0.90 1.07

1.02 0.68 0.90 1.44
5.77 6.30 n.a. n.a.

6.93 7.68 n.a. n.a.
3.50 3.43 3.39 3.50
6.32 6.86 7.32 8.63
9.55 10.03 10.25 12.45
n.a. n.a. n.a. n.a.
3.52 3.44 3.55 4.21
32.83 48.97 49.39 34.72
38.89 59.99 49.10 25.67
n.a. n.a. n.a. n.a.

13.93 6.71 6.56 8.60
7.75 12.97 30.43 n.a.

18.65 21.10 29.38 n.a.
0.40 0.28 0.27 0.38
1.42 1.55 1.55 1.66
352.24 545.20 583.71 432.82
-22.21 -25.74 -23.59 -19.88
0.21 0.33 0.34 n.a.

0.10 0.05 n.a. n.a.
0.41 0.30 0.27 0.38
243.91 249.88 258.52 151.08

21.29 182.95 126.82 66.12
33.69 30.12 27.56 48.72
2,343.4 2,762.2 n.a. n.a.
0.0 n.a. n.a. n.a.
2,450.9 2,482.6 2,078.1 1,777.6

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

9,123.6 7,770.2 6,125.3 4,418.4
63,566.6 59,090.8 48,989.4 37,466.2
30,090.0 25,116.2 20,924.9 16,261.9
n.a. n.a. n.a. n.a.
30,090.0 25,116.2 20,924.9 16,261.9
35,606.8 29,703.7 23,536.7 n.a.

46,108.9 42,099.6 34,846.2 n.a.
47,485.3 43,493.4 36,028.1 n.a.
2,552.8 2,762.2 n.a. n.a.
44,275.0 40,117.4 32,776.3 n.a.
1,730.1 1,495.0 1,320.4 n.a.
1,711.7 1,534.6 1,382.0 n.a.
16,213.5 14,343.5 11,927.1 n.a.
5,941.0 n.a. n.a. n.a.

7,371.0 n.a. n.a. n.a.
9,812.0 n.a. n.a. n.a.
24,537.0 n.a. n.a. n.a.
1,117.0 n.a. n.a. n.a.

1,915.0 n.a. n.a. n.a.
2,193.0 n.a. n.a. n.a.
3,254.0 n.a. n.a. n.a.
3,648.0 4,407.0 3,515.0 n.a.

0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
821.2 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
571.6 594.2 382.0 377.3
n.a. n.a. n.a. n.a.
361.9 208.5 187.7 173.4

n.a. n.a. n.a. n.a.
361.9 208.5 n.a. 173.4
1,745.4 1,584.6 1,447.8 1,316.2

0.0 0.0 n.a. 348.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
1,745.4 1,584.6 1,447.8 1,316.2
0.0 0.0 n.a. n.a.
0.0 0.0 n.a. n.a.

0.0 0.0 0.0 0.0
9.7 3.3 0.4 0.3
0.0 0.0 69.0 228.1
0.0 0.0 n.a. n.a.
0.0 0.0 n.a. n.a.
1,735.7 1,581.3 n.a. n.a.

348.8 347.5 347.6 348.8
0.0 0.0 n.a. n.a.
2,084.5 1,928.8 n.a. n.a.
743.9 677.7 n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,658.0 1,218.7 805.6 633.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
596.0 572.0 413.0 303.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,430.9 2,503.5 4,327.3 1,932.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
75.2 108.7 39.8 8.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
1,506.1 2,612.2 4,367.1 1,941.0
681.9 50.7 6.7 7.4
2,996.9 4,200.5 3,467.0 5,091.3

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
68.2 240.4 307.9 306.6
0.0 n.a. n.a. n.a.
3,747.0 4,491.6 3,781.6 5,405.3
0.0 n.a. n.a. n.a.
0.0 0.0 448.3 444.3

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 448.3 444.3
2,996.9 4,200.5 3,915.3 5,535.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
143.4 349.1 347.7 314.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
36.4 13.7 n.a. n.a.
489.9 468.3 387.1 315.1

51.5 31.0 25.0 25.1
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
461.6 437.6 417.5 386.5
11.2 11.7 12.4 13.1

1,360.9 1,112.5 989.5 887.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

55.8 1.1 33.8 31.6
0.0 n.a. n.a. n.a.
1,745.4 1,584.6 1,447.8 1,316.2
1,745.4 1,584.6 1,385.6 1,255.1
-32.9 22.7 62.1 61.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-32.9 22.7 62.1 61.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-32.9 22.7 62.1 61.1
n.a. n.a. n.a. n.a.
-32.9 22.7 62.1 61.1
0.0 0.0 n.a. 348.8
1,745.4 1,584.6 1,447.8 1,665.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

118.8 102.1 92.7 60.2
118.8 102.1 92.7 60.2
n.a. n.a. n.a. n.a.
0.0 0.0 69.0 228.1
9.7 3.3 n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 n.a. n.a.
0.0 0.0 n.a. n.a.
0.0 0.0 n.a. n.a.
348.8 347.5 347.6 348.8
348.8 347.5 347.6 348.8
348.8 347.5 347.6 348.8
1,901.2 1,724.0 1,530.7 1,402.6

2,874.1 2,521.3 2,143.2 2,023.8
6.32 6.86 7.32 8.63
9.55 10.03 10.25 12.45
30,090.0 25,116.2 20,924.9 16,261.9
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,666.3 7,462.8 9,046.1 7,983.9

3,882.9 n.a. n.a. n.a.
1,783.4 7,462.8 9,046.1 7,983.9
163.8 n.a. n.a. n.a.
4,033.6 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
9,281.1 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

163.8 n.a. n.a. n.a.
4,530 3,981 3,712 3,267

360 332 318 308
6.32 6.86 7.32 8.63
n.a. n.a. n.a. n.a.
9.55 10.03 10.25 12.45
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
839.5 424.0 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1.50 1.55 1.55 1.66

12.85 20.55 18.69 8.30
374.04 545.20 583.71 432.82
0.40 0.29 0.27 0.38
0.10 0.05 n.a. n.a.
8.32 4.48 n.a. n.a.
8.81 5.78 4.88 4.72
n.a. n.a. n.a. n.a.
6.32 6.86 7.32 8.63
9.55 10.03 10.25 12.45
3.52 3.44 3.55 5.33
4.62 5.01 5.54 8.25
5.02 5.50 5.70 7.46
3.72 3.64 3.75 5.70
5.37 5.48 5.34 6.53
7.06 7.98 8.33 10.12
7.67 8.77 8.57 9.16
5.67 5.80 5.64 6.99
21.44 23.52 17.54 18.47
1.27 1.13 1.24 1.29

1.23 1.09 1.19 1.25
0.81 0.85 0.83 0.78
1.30 1.22 1.28 1.16
0.74 0.72 0.75 0.86
0.02 -0.24 -0.23 -0.30
0.76 0.48 0.52 0.56
21.74 13.75 12.06 10.41
32.83 48.97 49.39 34.72
14.60 7.02 6.10 6.80
35.81 0.91 -3.09 -4.38
55.85 51.20 51.88 52.44
0.90 0.95 0.98 0.96
218.43 182.95 126.82 66.12

76.08 68.70 64.09 64.54
108.72 109.82 102.88 90.48
82.12 74.95 70.30 73.10
20.00 29.71 35.55 17.97
15.11 20.28 24.29 14.52
2005
7.80
7.95
7.88
7.40
8.13
8.35
8.50
8.06
8.53
9.45
9.22
9.25
Op.
Date of Vari- No of
Revenue
(mil USD)*
12/2011 ö n.a. n.a.
08/2012 ð n.a. n.a.

12/2011 ð 22.0 n.a.
08/2012 ð n.a. n.a.
12/2011 ð 916.0 1,516.0

12/2011 ð 17.0 222.0
12/2011 ð 83.0 55.0

12/2011 ð n.a. n.a.
12/2011 ö 84.0 n.a.

12/2011 ð 4.0 17.0
12/2011 ð 6.0 50.0
12/2011 - n.a. n.a.

12/2011 ð 83.0 310.0
12/2011 ð 1.0 n.a.
12/2011 ð n.a. n.a.
08/2012 ø n.a. n.a.
08/2012 ø 145.0 562.0

08/2012 ö n.a. n.a.
02/2012 ø n.a. n.a.
12/2011 ð 133.0 14.0
09/2011 - 5.0 2.0

08/2012 ð n.a. n.a.
09/2011 ð n.a. n.a.
08/2012 ð 2.0 15.0
08/2012 ö 1.0 9.0
12/2011 ð n.a. n.a.
03/2012 ø 163.0 758.0
06/2012 ø 5.0 42.0
08/2012 ð 29.0 2.0

09/2011 ö n.a. n.a.
06/2012 ö 26.0 417.0

06/2012 ö n.a. n.a.
09/2011 ð n.a. n.a.

06/2012 ö <0,5 n.a.
06/2012 ø 2.0 n.a.
06/2012 ð 3,969.0 5,811.0
06/2012 ö 369.0 3,154.0
06/2012 ø <0,5 n.a.
06/2012 ö 734.0 1,067.0
06/2012 ø 413.0 706.0
12/2011 ö 25.0 342.0

06/2012 ø <0,5 n.a.
03/2012 ø 21.0 80.0

06/2012 ø n.a. n.a.
06/2012 ø 222.0 333.0

06/2012 ø 56.0 40.0
06/2012 ö 12.0 n.a.

03/2012 ö 24.0 60.0
06/2012 ø 350.0 1,812.0

06/2012 ð 6,884.0 23,374.0
06/2012 ö n.a. n.a.

06/2012 ð 2,240.0 6,926.0
06/2012 ø 54.0 n.a.
06/2012 ð 167.0 464.0

06/2012 ð 975.0 2,369.0
06/2012 ö 1,117.0 1,389.0
06/2012 ø <0,5 n.a.
06/2012 ð 15,627.0 91,291.0
06/2012 ð 9,452.0 22,243.0

03/2012 ø 1,110.0 1,994.0
03/2012 ð 888.0 3,244.0
06/2012 ö 3,525.0 13,159.0
06/2012 ö 3,385.0 6,033.0

06/2012 ð 266.0 1,911.0
03/2012 ø 87.0 50.0
06/2012 ø 946.0 2,126.0
06/2012 ð 6,094.0 7,431.0

06/2012 ø 1,126.0 2,711.0
06/2012 ð 596.0 2,446.0
06/2012 ö n.a. n.a.

06/2012 ø 213.0 653.0
06/2012 ö 253.0 840.0

06/2012 ö 342.0 1.0
03/2012 ð 210.0 1,930.0

06/2012 ð 1,471.0 1,126.0
06/2012 ð 1,306.0 1,378.0
04/2012 ð 30.0 31.0

06/2012 ð 4,072.0 8,367.0
06/2012 ø 172.0 845.0

03/2012 ö 251.0 795.0
06/2012 ð 1,086.0 1,323.0
03/2012 ð 618.0 6,149.0

06/2012 ö 392.0 880.0
08/2012 - 15,297.0 31,097.0

03/2012 ø 408.0 195.0
06/2012 ø n.a. n.a.
06/2012 ð n.a. n.a.
06/2012 ð 578.0 1,919.0
06/2012 ö 286.0 353.0
06/2012 ð 56.0 357.0
06/2012 ð 638.0 1,876.0
06/2012 ð 239.0 834.0
06/2012 ð 5,448.0 20,662.0

03/2012 ø 514.0 2,052.0
06/2012 ð <0,5 n.a.
03/2012 - n.a. n.a.

08/2012 ð 16.0 121.0
09/2011 ð 312.0 211.0
03/2012 ð 3.0 8.0
03/2012 ø 10.0 21.0
Caja Espana de Inversiones Salamanca y Soria Caja de Ahorros y Monte de Piedad-Caja
Duero y España
24002 LEON BvD ID number ESG24611485

Status Active
Contact details
Pza San Marcelo 5, (Ed Botines de Gaudi) Phone number +34 98 7292500
Fax number +34 98 7231026
24002 LEON
SPAIN
Bank History :
In October 2010, Caja Espana de Inversiones Salamanca y Soria Caja de Ahorros y Monte de Piedad was created by the
merger of Caja Espana de Inversiones - Caja Espana and Caja de Ahorros de Salamanca y Soria - Caja Duero.
Accounting Standards International Financial Nickname ESPSORC
BvD indep. indicator U Model ALLBANKS

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Original Original
31/12/2011 31/12/201
mil EUR mil EUR
BALANCE SHEET
Assets
Loans 25,374.0 26,787.5
Gross Loans 26,631.1 28,433.2
Loans and Advances to Banks 866.0 286.4
Derivatives 243.3 258.1
Fixed Assets 668.2 788.7
Total Assets 42,336.8 45,710.6

Other (Non-Interest bearing) 392.6 500.4
Other Reserves 226.1 343.7
Equity 1,432.2 1,724.8
Notes
Liquid Assets (Memo) 1,720.6 736.3

Subordinated Debts (Memo) 1,966.0 996.0
INCOME STATEMENT
Original Original
31/12/2011 31/12/201
mil EUR mil EUR
Net Interest Revenue 481.1 452.1
Statement
Overheads 401.8 430.1
Loan Loss Provisions 61.5 38.9
Other -189.1 -254.7
Profit before Tax 24.7 54.5
Tax -4.4 5.7
Net Income 28.7 47.1
Operating Income (Memo) 685.1 777.0
Total Capital Ratio n.a. 14.63

Tier 1 Ratio n.a. 10.12
Total Capital 3,376.5 3,694.0
Tier 1 Capital 2,362.1 2,554.4
Net-Charge Offs n.a. n.a.

Original Original
31/12/2011 31/12/201
mil EUR mil EUR
Income Statement
Interest Income on Loans 846.9 640.9

Other Interest Income 466.5 277.1
Gross Interest and Dividend Income 1,331.0 935.2
Interest Expense on Customer Deposits 661.5 354.6

Other Interest Expense 188.4 128.5
Total Interest Expense 849.9 483.1
Net Interest Income 481.1 452.1

Statement
Net Insurance Income 11.6 11.5
Total Non-Interest Operating Income 204.0 324.9
Personnel Expenses 304.4 256.5
Other Operating Expenses 97.4 173.6
Total Non-Interest Expenses 401.8 430.1
Equity-accounted Profit/ Loss - Operating -8.0 1.2

Pre-Impairment Operating Profit 275.3 348.1
Loan Impairment Charge 61.5 38.9
Operating Profit 176.2 306.0

Other Non-operating Income and Expenses -151.5 -251.5
Pre-tax Profit 24.7 54.5
Tax expense -4.4 5.7
Profit/Loss from Discontinued Operations -0.4 -1.7

Fitch Comprehensive Income -5.1 47.1
Memo: Profit Allocation to Non-controlling Interests -1.3 n.a.
Memo: Net Income after Allocation to Non-controlling 30.0 47.1
Interests
Balance Sheet
Assets
Loans
Other Loans 26,631.1 28,433.2
Net Loans 25,374.0 26,787.5
Gross Loans 26,631.1 28,433.2
Loans and Advances to Banks 866.0 286.4
Reverse Repos and Cash Collateral n.a. 0.0
Trading Securities and at FV through Income 67.5 33.1
Non-earning Assets
Cash and Due From Banks 787.1 416.8
Foreclosed Real Estate 1,278.8 727.0
Fixed Assets 668.2 788.7
Goodwill 0.4 89.7
Deferred Tax Assets 863.5 716.5
Other Assets 357.1 313.5
Total Assets 42,336.8 45,710.6
Customer Deposits - Savings 5,631.1 5,891.3
Deposits from Banks 1,457.6 747.4
Repos and Cash Collateral n.a. 5,355.0
Senior Debt Maturing after 1 Year n.a. 1,710.6
Subordinated Borrowing 1,966.0 996.0
Other Funding n.a. 8,824.4
Total Funding 37,405.9 42,138.5
Reserves for Pensions and Other 226.1 343.7
Insurance Liabilities 31.8 28.4
Other Liabilities 209.0 287.5
Hybrid Capital
Equity
Common Equity 1,516.3 1,802.3
Non-controlling Interest -0.5 0.9
Securities Revaluation Reserves -83.6 -62.5
Foreign Exchange Revaluation Reserves n.a. -1.1
Fixed Asset Revaluations and Other Accumulated OCI n.a. -14.8
Total Equity 1,432.2 1,724.8
Memo: Fitch Core Capital 1,086.7 n.a.
Memo: Fitch Eligible Capital 1,552.4 n.a.
Summary Analytics
Interest Ratios
Customer Deposits%
Net Int. Inc Less Loan Impairment Charges/ Av. Earning 1.04 n.a.
Assets%
Earning Assets%
Op. Profit%
Operating Profit/ Average Equity% 10.75 n.a.
Operating Profit/ Average Total Assets% 0.40 n.a.
Taxes/ Pre-tax Profit% -17.81 10.46
Pre-Impairment Operating Profit / Risk Weighted Assets% n.a. 1.38
Operating Profit / Risk Weighted Assets% n.a. 1.21

Net Income/ Average Total Equity% 1.75 n.a.
Net Income/ Average Total Assets% 0.07 n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% n.a. 0.19
Fitch Comprehensive Income/ Risk Weighted Assets% n.a. 0.19
Capitalization
Fitch Core Capital/Weighted Risks% n.a. n.a.
Fitch Eligible Capital/ Weighted Risks% n.a. n.a.
Tier 1 Regulatory Capital Ratio% n.a. 10.12
Total Regulatory Capital Ratio% n.a. 14.63
Core Tier 1 Regulatory Capital Ratio% n.a. 8.22
Income%
Loan Quality
Growth of Total Assets% -7.38 n.a.
Net Charge-offs/ Average Gross Loans% n.a. n.a.
Foreclosed Assets%
Funding
Reference Data
Guarantees 982.1 1,138.1
balance sheet
Memo: Total Weighted Risks n.a. 25,250.8
Fitch Adjusted Weighted Risks n.a. 25,250.8
Maturities






Total Subordinated Debt on Balance Sheet 1,966.0 996.0
Published Net Income 28.7 47.1
Equity 1,432.2 1,724.8
Add: Pref. Shares and Hybrid Capital accounted for as n.a. n.a.
Equity
Published Equity 1,432.2 n.a.

interests)
Fair value effect incl in own debt/borrowings at fv on the 0.0 n.a.
B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 n.a.
Goodwill 0.4 89.7
Fitch Core Capital 1,086.7 n.a.
Fitch Eligible Capital 1,552.4 n.a.
Eligible Hybrid Capital Limit 465.7 n.a.
Total Interest Income on Loans 846.9 640.9
Total Interest Expense on Customer Deposits 661.5 354.6
Borrowing
Securities
breakdown)
Statement - Banks
Statement

breakdown)
Asset Quality Data

Net Charge-offs
Net Charge-offs n.a. n.a.
Reserves
Collective/General Loan Impairment Reserves n.a. 93.5
Individual/Specific Loan Impairment Reserves n.a. 1,552.2

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 1,188.4 n.a.
Retained Earnings 364.8 1,755.2
Profit/Loss Reserve/Income for the period net of 30.0 47.1
dividends
Non-controlling Interest -0.5 0.9
Valuation Reserves for AFS Securities in OCI Total -83.6 -62.5
Valuation Reserves for FX in OCI n.a. -1.1
Valuation Reserves in OCI - Other -28.6 -14.8
Total Valuation Reserves in OCI -112.2 -78.4
Other OCI Reserves -32.3 n.a.
Total OCI Reserves -144.5 -78.4
Total Other Equity Reserves -144.5 -78.4

Hybrid Capital Fitch Class C 475.0 478.2
Hybrid Capital Fitch Class E 525.0 525.0
Weighted Total of Fitch Hybrid Capital Classes 762.5 764.1
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) Govt 762.5 239.1
held Hybrid Capital
Tier 1 Regulatory Capital Ratio% n.a. 10.12
Total Regulatory Capital Ratio% n.a. 14.63
Risk Weighted Assets including floor/cap per Basel II n.a. 25,250.8
Risk Weighted Assets - Credit Risk n.a. 22,713.0
Risk Weighted Assets - Market Risk n.a. 49.8
Risk Weighted Assets - Operational Market Risk n.a. 2,358.3
Risk Weighted Assets - Other n.a. 129.7
Risk-Weighted Assets excluding Floor/Cap per Basel II n.a. 25,250.8
advances to banks

loans
Number of Employees 5,097 n.a.

Regulatory Tier I Capital Ratio% n.a. 10.12
Core Tier 1 Regulatory Capital Ratio% n.a. 8.22
Regulatory Total Capital Ratio% n.a. 14.63
Total Exposure to Central Bank 648.5 n.a.
Ratios

31/12/2011 31/12/201
Assets Quality 0
NCO / Average Gross Loans n.a. n.a.
NCO / Net Inc Bef Ln Lss Prov n.a. n.a.
Capital
Tier 1 Ratio n.a. 10.12
Total Capital Ratio n.a. 14.63
Operations
Pre-Tax Op Inc / Avg Assets 0.49 0.68
Non Op Items / Net Income -658.89 -540.76
Liquidity
Date News
2 08/09/2011 Unicaja plans to go ahead with Caja España-Duero merger (deal
no. 1601315279)
3 05/09/2011 Caja España de Inversiones approves the creation of Banco de
Caja España de Inversiones (deal no. 1601254214)
4 29/07/2011 Caja España-Duero to transfer all or part of business into new
bank (deal no. 1601259778)
5 29/04/2011 Caja España-Duero to transfer stake in Madrigal to new bank to
be created with Unicaja (deal no. 1601267235)
6 15/03/2011 Banco Mare Nostrum and Caja España-Caja Duero merger
negotiations end (deal no. 1601251599)
7 11/02/2011 Caja Duero-Espana considering floating (deal no. 1601253968)
8 23/11/2010 Corporación Financiera ARCO in capital increase (deal no.

1601230433)
Source : Zephyr
Boards & committees

1. Mr. Evaristo Del Canto Canto - President of the Board BoD IN
P041357615 (since 17/11/2010)
2. Mr. Miguel Angel Alvarez Sanchez - Vice - president of the Board BoD IN
(since 08/11/2010)
P117547857
3. Mr. Luis Enrique Clemente - Vice - president of the Board BoD IN
Cubillas (since 08/11/2010)
P039817642
4. Mr. Isaias Garcia Monge - Vice - president of the Board BoD IN
P042163540 (since 08/11/2010)
Management & staff

1. Mr. Felipe Tomas Canillas Martin - Administrator SenMan IN
(since 14/10/2010)
P042163547 (since 14/10/2010)
2. Mrs. Isabel Carrasco Lorenzo - Administrator SenMan IN
P042045690 (since 14/10/2010)
3. Mr. Eugenio Santiago Cossio - Administrator SenMan IN
P086826822
4. Mr. Vicente De La Pena Robledo - Administrator SenMan IN
P042163544 (since 14/10/2010)
5. Mr. Artemio Dominguez Gonzalez - Administrator SenMan IN
(since 14/10/2010)
P042163089
6. Mr. Julio Fermoso García - Administrator SenMan IN
P039817646 (since 14/10/2010)
7. Mr. Bernardo Fernandez Alvarez - Administrator SenMan IN
P002398704 (since 14/10/2010)
8. Mr. Francisco Javier Fernandez - Administrator SenMan IN
Alvarez (since 14/10/2010)
P002260933
9. Mr. Juan Elicio Fierro Vidal - Administrator SenMan IN
P042163093 (since 14/10/2010)
10. Mr. Francisco Javier Garcia Prieto - Administrator SenMan IN
Gomez (since 14/10/2010)
P042163091
11. Mr. Zenon Jimenez Ridruejo - Administrator SenMan IN
Ayuso (since 14/10/2010)
P039803353
12. Mr. Santos Llamas Llamas - Administrator SenMan IN
P002215547 (since 14/10/2010)
13. Mr. Jose Francisco Martin - Administrator SenMan IN
Martinez (since 14/10/2010)
P039830744
14. Mr. Juan Antonio Martin - Administrator SenMan IN
Mesonero (since 14/10/2010)
P063833936
15. Mr. Fernando Martinez Maillo - Administrator SenMan IN
P042163086 (since 14/10/2010)
16. Mr. Carlos Martinez Minguez - Administrator SenMan IN
P104634744 (since 14/10/2010)
17. Mr. Alejandro Menendez Moreno - Administrator SenMan IN
P042163085 (since 14/10/2010)
18. Mr. Antonio Munoz Sanchez - Administrator SenMan IN
P104634742 (since 14/10/2010)
19. Mrs. Maria Begona Nunez Diez - Administrator SenMan IN
P042163088 (since 14/10/2010)
20. Mrs. Maria Orgaz Recas - Administrator SenMan IN
P095673209 (since 11/02/2011)
21. Mr. Gerardo Pastor Ramos - Administrator SenMan IN
P039817651 (since 14/10/2010)
22. Mr. Victoriano Pedraz Fuentes - Administrator SenMan IN
P039817652 (since 14/10/2010)
23. Mr. Agustin Prieto Gonzalez - Administrator SenMan IN
P104634741 (since 14/10/2010)
24. Mrs. Maria Encarnacion Redondo - Administrator SenMan IN
Jimenez (since 14/10/2010)
P039817654
25. Mr. Fernando Javier Rodriguez - Administrator SenMan IN
Alonso (since 14/10/2010)
P098786432
26. Mr. Francisco Rubio Garces - Administrator SenMan IN
P104707369 (since 14/10/2010)
27. Mr. Jose Antonio Turrado - Administrator SenMan IN
Fernandez (since 14/10/2010)
P098654214
28. Mrs. Cristina Vidal Fernandez - Administrator SenMan IN
P104634743 (since 14/10/2010)
29. Mrs. Maria Guadalupe Garcia De - Secretary of the Board SenMan IN
Dios (since 18/11/2010)
P095673207

There is no information regarding the shareholders available for this bank.
Ownership Source

1. BANCO DE CAJA ESPAÑA DE INVERSIONES ES 100.00 100.00 1 UO+ IP 03/2012

SALAMANCA Y SORIA SA.
2. CAJA DUERO CAPITAL SA ES 100.00 100.00 1 UO+ IP 08/2012
3. CAJA ESPANA DE INVERSIONES FINANCE KY 100.00 100.00 1 UO+ IP 08/2012
LIMITED
4. CAJA ESPAÑA DE INVERSIONES SOCIEDAD ES 100.00 100.00 1 UO+ IP 09/2011
DE PARTICIPACIONES PREFERENTES SA
5. CHIMPARRA AIE. ES 100.00 100.00 1 UO+ IP 08/2012

6. DIODE ESPAÑA SA ES 100.00 100.00 1 UO+ IP 08/2012
7. FINANDUERO SOCIEDAD DE VALORES SA ES 100.00 100.00 1 UO+ IP 03/2012
8. INVERGESTION SOCIEDAD DE ES 100.00 100.00 1 UO+ IP 08/2012
INVERSIONES Y GESTION SA
9. TEATRO CALDERON BARCA SA ES 100.00 100.00 1 UO+ IP 08/2012
10. GESTION DE INVERSIONES EN ES 56.00 n.a. 1 UO IP 08/2012
ALQUILERES SOCIEDAD ANONIMA
11. DUERO PENSIONES ENTIDAD GESTORA DE ES 50.00 n.a. 1 - IP 03/2012
FONDOS DE PENSIONES SA
12. UNION DEL DUERO, CIA. DE SEGUROS DE ES 50.00 n.a. 1 - IP 08/2012
VIDA, SA
13. TUBOS DE CASTILLA Y LEON SOCIEDAD ES 49.00 n.a. 1 UO+ IP 08/2012
ANONIMA
14. SOLIDARIDAD Y TRABAJO VIRGEN DEL ES 40.00 n.a. 1 - IP 08/2012
CAMINO SL
15. IBERAVAL, SOCIEDAD DE GARANTIA ES 22.38 n.a. 1 - IP 03/2012
RECIPROCA
16. AIR NOSTRUM LINEAS AEREAS DEL ES 21.90 n.a. 1 - IP 03/2012
MEDITERRANEO SA
17. COMPAÑIA DE SERVICIOS DE CASTILLA Y ES 17.34 n.a. 1 - IP 08/2012
LEON SA
18. ACITURRI AERONAUTICA SL ES 15.85 n.a. 1 - IP 08/2012
19. ADE CAPITAL SODICAL SOCIEDAD DE ES 12.13 n.a. 1 - IP 03/2012
CAPITAL RIESGO DE REGIMEN COMUN,
SOCIEDAD ANONIMA
20. CORPORACION FINANCIERA ARCO SL ES 11.40 n.a. 1 - IP 08/2012

21. LINGOTES ESPECIALES S.A. ES - 10.72 1 - SE 12/2011
22. CETRAMESA SA ES 10.00 n.a. 1 - IP 03/2012
23. CONSORCIO DE LA FERIA NACIONAL DE ES 10.00 n.a. 1 - IP 08/2012
MUESTRAS DE CASTILLA Y LEON
25. SOCIEDAD DE GARANTIA RECIPROCA ES 7.27 n.a. 1 - IP 03/2012
EXTREMEÑA DE AVALES
26. CELERIS SERVICIOS FINANCIEROS, SA ES 6.75 n.a. 1 - IP 03/2012
27. ARRENDADORA AERONAUTICA AIE ES 5.16 n.a. 1 - IP 03/2012
28. URALITA SA ES - 4.99 1 - SE 10/2012
29. VIACAJAS, SA ES 4.22 n.a. 1 - IP 03/2012
30. EBRO FOOD, S.A. ES 3.19 n.a. 1 - IP 08/2012
31. EURO 6000, SA ES 3.13 n.a. 1 - IP 03/2012
MEDIOS DE PAGO SA
33. ADE PARQUES TECNOLOGICOS Y ES 1.61 n.a. 1 - IP 08/2012
EMPRESARIALES DE CASTILLA Y LEON SA
34. PARQUE ISLA MAGICA, SOCIEDAD ES 1.32 n.a. 1 - IP 08/2012
ANONIMA
35. CENTROS EUROPEOS DE EMPRESAS E ES 1.08 n.a. 1 - IP 08/2012
INNOVACION DE CASTILLA Y LEON, SA
36. CAJA ESPANA VIDA DE SEGUROS Y ES 1.00 n.a. 1 - IP 08/2012
REASEGUROS SA
37. LET'S GOWEX, S.A. via its funds ES - 0.19 1 - FS 06/2012
38. GRUPO NOSTRUM RNL, S.A. via its funds ES - 0.12 1 - FS 03/2011
39. MOBIPAY ESPAÑA SA ES 0.09 n.a. 1 - IP 03/2012
40. BELEGAR INVERSIONES SL ES - n.a. 1 - IP 08/2012
41. CAJA DE SEGUROS REUNIDOS, COMPAÑIA ES - n.a. 1 - IP 08/2012
42. CENTRO PARA EL DESARROLLO DE LAS ES - n.a. 1 - IP 08/2012

TELECOMUNICACIONES DE CASTILLA Y
LEON
43. CERTUM CONTROL TECNICO DE LA ES - n.a. 1 - IP 03/2012

EDIFICACION SA
44. COTO MINERO CANTABRICO, SA ES - n.a. 1 - IP 08/2012
45. DIANA CAPITAL I F C R ES - n.a. 1 - IP 08/2012
46. EDIGRUP PRODUCCIONES TV, SA ES - n.a. 1 - IP 08/2012
47. EUROATLANTIC AIR LINEAS AEREAS S.A. ES - n.a. 1 - IP 08/2012
48. FUNDACION DEL PATRIMONIO HISTORICO ES - n.a. 1 - IP 08/2012
DE CASTILLA Y LEON
49. IBERDROLA SA ES - n.a. 1 - IP 08/2012
50. INVERSIONES SOCIAL DOCENTE DEL ES - n.a. 1 - IP 08/2012
AHORRO BENEFICO ESPAÑOL SA
51. LAZORA, SA ES - n.a. 1 - IP 08/2012
52. MARTINSA-FADESA, S.A. ES - n.a. 1 - IP 03/2012
53. MASTERCAJAS SA ES - n.a. 1 - IP 03/2012
54. NAVIERA VIVEIRO AIE. ES - n.a. 1 - IP 08/2012
55. NUEVO HOSPITAL DE BURGOS, SA ES - n.a. 1 - IP 08/2012
56. PALAU PHARMA SA ES - n.a. 1 - IP 08/2012
57. SOCIEDAD DE INVESTIGACION Y ES - n.a. 1 - IP 03/2012
EXPLOTACION MINERA DE CASTILLA Y
LEON SA
58. SODINTELECO, SL ES - n.a. 1 UO IP 08/2012

59. T12 GESTION INMOBILIARIA SA ES - n.a. 1 - IP 03/2012
iedad-Caja
00
26
created by the
uero.
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Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
- n.a. n.a.
- n.a. n.a.
ð n.a. n.a.
- <0,5 n.a.
ð 1.0 n.a.
- 139.0 97.0
- n.a. n.a.
ð - -
ð n.a. n.a.
ð 4.0 1.0
- n.a. n.a.
- 164.0 16.0
ð 27.0 70.0
ð 3.0 180.0
ö 8.0 n.a.
- 747.0 1,801.0
ð 3.0 23.0
ø 144.0 25.0
- n.a. n.a.
ð n.a. n.a.
ð 94.0 438.0
- 1.0 2.0
ð n.a. n.a.
ð 117.0 1,262.0
- <0,5 8.0
ö 32.0 270.0
- 29.0 2.0
ø 895.0 2,494.0
- 7.0 8.0
ð 2,380.0 4,822.0
- 8.0 25.0
ð n.a. n.a.
ð 9.0 29.0
ð 20.0 380.0
ð 2.0 28.0
ð 371.0 9.0
ø 87.0 50.0
- 66.0 200.0
ø 3.0 8.0
ð <0,5 1.0
ð 3,619.0 3,307.0
ð n.a. n.a.
ð 18.0 398.0
ð 173.0 538.0
ð n.a. n.a.
ð 28.0 161.0
ð n.a. n.a.
ð - -
ð 41,791.0 31,885.0
ð n.a. n.a.
ð 38.0 n.a.
- 239.0 256.0
- 13.0 n.a.
ð 1.0 n.a.
ð n.a. 9.0
ð 2.0 3.0
ø 1.0 15.0
ð n.a. n.a.
- 1.0 7.0
Banca Cívica SA
41004 SEVILLA BvD ID number ESA85973857

(since 06/08/2012)
This entity is a Single location
Contact details
PASEO RECOLETOS 37 Phone number +34 91 3199409

Fax number +34 91 3082798
41004 SEVILLA
SPAIN
Bank History :
On June 18, 2010, Banca Cívica SA was established by Monte de Piedad y Caja de Ahorros San Fernando de Guadalajara,
Huelva, Jerez y Sevilla; Caja de Ahorros y Monte de Piedad de Navarra - Caja Navarra; Caja General de Ahorros de
Canarias - Caja Canarias and Caja de Ahorros Municipal de Burgos. On August 06, 2011, Banca Cívica SA was absorbed
by Caixabank.

(since 06/08/2012) Nickname CIVICACI

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Original Proforma Proforma Proforma
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 49,366.2 50,312.9 53,576.9 55,554.0
Gross Loans 52,069.2 53,708.6 55,285.7 56,998.6
Derivatives 788.7 784.6 683.4 498.8
Fixed Assets 1,317.7 1,413.4 1,662.7 1,705.9
Total Assets 71,827.1 71,373.8 75,937.9 73,953.5

Derivatives 404.5 295.7 238.2 206.7
Trading Liabilities n.a. 8.7 n.a. n.a.
Loan Loss Reserves 48.1 109.8 n.a. n.a.
Other Reserves 414.7 604.4 417.4 372.8
Equity 2,875.8 2,795.2 5,652.0 5,134.2
Notes
Hybrid Capital (Memo) 1,901.0 922.1 354.8 220.0

Subordinated Debts (Memo) 1,139.9 1,053.2 1,287.6 950.7
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Statement
Overheads 1,094.3 1,104.1 1,096.2 1,078.2
Other -13.9 -303.8 123.9 330.9
Tax 49.9 -22.0 -10.8 59.1
Net Income 183.6 193.0 315.3 451.8
Dividend Paid 18.0 n.a. n.a. n.a.

Tier 1 Ratio 11.00 7.45 9.83 8.57
Total Capital 5,546.0 4,514.2 6,982.7 6,224.1
Tier 1 Capital n.a. 3,434.6 5,041.9 4,491.9
Net-Charge Offs n.a. 493.7 221.9 225.7

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 1,819.5 n.a. n.a. n.a.

Other Interest Income 437.4 2,215.2 2,989.9 3,709.3
Interest Expense on Customer Deposits 1,204.1 n.a. n.a. n.a.

Other Interest Expense 310.3 1,163.8 1,631.6 2,412.3
Statement
Net Insurance Income n.a. n.a. 0.4 -0.1
Equity-accounted Profit/ Loss - Operating -29.1 1.8 -36.1 17.8


Non-recurring Income 15.0 n.a. 330.2 413.7
Pre-tax Profit 233.5 171.0 304.5 510.9
Tax expense 49.9 -22.0 -10.8 59.1
Net Income 183.6 193.0 315.3 451.8
Change in Value of AFS Investments -137.6 -170.4 n.a. 0.0

Currency Translation Differences -0.1 n.a. n.a. n.a.
Remaining OCI Gains/(losses) -4.1 14.9 n.a. 0.0
Memo: Profit Allocation to Non-controlling Interests 0.1 -3.2 1.6 0.1
Memo: Common Dividends Relating to the Period 18.0 n.a. n.a. n.a.
Balance Sheet
Assets
Loans
Other Loans 52,069.2 53,708.6 55,285.7 56,998.6
Net Loans 49,366.2 50,312.9 53,576.9 55,554.0
Gross Loans 52,069.2 53,708.6 55,285.7 56,998.6
Derivatives 788.7 784.6 683.4 498.8
Held to Maturity Securities 1,294.2 806.1 2,369.9 2,406.4
Other Securities 3,699.1 3,480.3 1,106.9 362.1
Other Earning Assets n.a. n.a. 1.1 n.a.
Non-earning Assets
Foreclosed Real Estate 1,968.2 1,428.1 864.6 197.2
Fixed Assets 1,317.7 1,413.4 1,662.7 1,705.9
Goodwill 29.8 0.0 29.4 24.9
Deferred Tax Assets 2,046.6 1,653.2 532.0 537.0
Discontinued Operations 91.2 n.a. n.a. n.a.
Other Assets 433.6 790.3 634.2 519.4
Total Assets 71,827.1 71,373.8 75,937.9 73,953.5
Customer Deposits - Savings 6,205.8 6,371.3 n.a. n.a.
Customer Deposits - Term 21,545.0 20,906.2 n.a. n.a.
Funding
Subordinated Borrowing 1,139.9 1,053.2 1,287.6 950.7
Other Funding 16,081.3 14,932.0 15,027.5 14,724.3
Derivatives 404.5 295.7 238.2 206.7
Trading Liabilities n.a. 8.7 n.a. n.a.
Total Funding 65,351.4 65,580.1 68,336.5 67,044.4
Credit impairment reserves 48.1 109.8 n.a. n.a.
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 1,901.0 922.1 354.8 220.0
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. n.a. 536.9 287.0
Equity
Equity
Common Equity 3,012.2 2,765.3 4,922.8 4,743.6
Securities Revaluation Reserves -126.2 11.4 181.8 81.5
Foreign Exchange Revaluation Reserves -0.1 0.0 n.a. n.a.
OCI
Total Equity 2,875.8 2,795.2 5,115.1 4,847.2
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans% 3.45 n.a. n.a. n.a.
Interest Expense on Customer Deposits/ Average 3.34 n.a. n.a. n.a.
Customer Deposits%
Liabilities%
Earning Assets%
Taxes/ Pre-tax Profit% 21.37 -12.87 -3.55 11.57
Assets%
%
%
Net Income/ Av. Total Assets plus Av. Managed n.a. 0.27 n.a. 1.16
Securitized Assets%
%
Capitalization
Cash Dividends Paid & Declared/ Net Income% 9.80 n.a. n.a. n.a.
Cash Dividend Paid & Declared/ Fitch 43.06 n.a. n.a. n.a.
Loan Quality
Growth of Total Assets% 0.64 -6.01 2.68 n.a.
Growth of Gross Loans% -3.05 -2.85 -3.01 n.a.
Impaired Loans less Reserves for Imp Loans/ Equity 48.73 -11.20 21.68 13.81
%
Net Charge-offs/ Average Gross Loans% n.a. 0.89 0.40 0.74
Foreclosed Assets%
Funding
Interbank Assets/ Interbank Liabilities% 75.97 n.s. 136.95 178.07
Reference Data
Sheet
Guarantees 1,734.4 1,892.7 2,787.4 2,952.5

balance sheet
Fitch Adjustments to Weighted Risks. n.a. n.a. 0.0 0.0
Average Loans 52,778.9 55,353.6 56,142.2 30,408.0
Average Assets 71,789.5 72,663.7 74,945.7 38,869.1
Average Managed Assets Securitized Assets (OBS) n.a. 0.0 n.a. 0.0
Average Equity 2,913.6 3,821.2 4,981.2 3,189.2
Maturities





Total Subordinated Debt on Balance Sheet 1,139.9 1,053.2 1,287.6 950.7
Net Income 183.6 193.0 315.3 451.8
Equity 2,875.8 2,795.2 5,115.1 4,847.2
Add: Pref. Shares and Hybrid Capital accounted for n.a. n.a. 536.9 287.0
as Equity

interests)
on the B/S- CC only
Goodwill 0.0 0.0 29.4 24.9
securitizations
Total Interest Income on Loans 1,819.5 n.a. n.a. n.a.

Assets
Total Interest Expense on Customer Deposits 1,204.1 n.a. n.a. n.a.
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 6,964.3 7,066.5 8,892.8 7,938.5

Total HTM Debt Securities 1,294.2 806.1 2,369.9 2,406.4
Asset Quality Data

Net Charge-offs
Net Charge-offs n.a. 493.7 221.9 225.7
Reserves
Collective/General Loan Impairment Reserves n.a. 310.6 n.a. n.a.
Individual/Specific Loan Impairment Reserves n.a. 3,085.1 n.a. n.a.

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 3,126.1 3.0 3.0 n.a.
Legal Reserves n.a. 2,715.6 4,601.9 n.a.

Profit/Loss Reserve/Income for the period net of 165.4 46.7 317.9 n.a.
dividends
Treasury Shares 2,565.9 n.a. n.a. n.a.
Valuation Reserves for AFS Securities in OCI Total -126.2 11.4 181.8 n.a.
Valuation Reserves for FX in OCI -0.1 n.a. n.a. n.a.
Valuation Reserves in OCI - Other -12.4 -2.6 -17.5 n.a.
Total Valuation Reserves in OCI -138.7 8.8 164.3 n.a.
Cash Flow Hedge Reserve 0.0 -5.7 n.a. n.a.
Other OCI Reserves 2,286.6 n.a. n.a. n.a.
Total OCI Reserves 2,147.9 3.1 164.3 n.a.
Total Other Equity Reserves 2,147.9 3.1 164.3 n.a.
Hybrid Securities Reported in Equity n.a. n.a. 536.9 287.0
Interests
absorbing

Total Dividends Paid and Declared in Period 18.0 n.a. n.a. n.a.
Capital
Hybrid Capital Fitch Class A 1,901.0 n.a. n.a. n.a.
Hybrid Capital Fitch Class E 977.0 n.a. 723.9 307.0
Regulatory Capital

II
Capital
deposits
banks

Average Reverse repurchase agreements included in n.a. 0.0 n.a. 0.0
loans

Number of Branches n.a. 1,551 n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans n.a. 0.91 0.40 0.40
NCO / Net Inc Bef Ln Lss Prov n.a. 255.80 24.98 23.67
Unreserved Impaired Loans / Equity 47.06 n.a. 19.62 13.04
Capital
Tier 1 Ratio 11.00 7.45 9.83 8.57
Equity / Net Loans 5.83 5.56 10.55 9.24
Operations
Non Op Items & Taxes / Avg Ast -0.09 -0.38 0.18 0.37
Dividend Pay-Out 9.80 n.a. n.a. n.a.
Inc Net Of Dist / Avg Equity 5.84 n.a. n.a. n.a.
Liquidity
Interbank Ratio 28.97 35.65 31.36 31.12
This company has been delisted since 06/08/2012 (takeover by Caixabank)
General information


ISIN number: Delisted
SEDOL number: Delisted
Ticker symbol: Delisted
Stock exchange(s) listed: Mercado Continuo Español

Boerse Berlin
Boerse Frankfurt
Boerse Stuttgart
IPO date: 7/21/2011
Market price - Year (EUR) 2012 2011
Market price - January 2.49 n.a.

Market price - February 2.27 n.a.
Market price - March 1.77 n.a.
Market price - April 1.57 n.a.
Market price - May 1.24 n.a.
Market price - June 1.57 n.a.
Market price - July 1.62 2.50
Market price - August n.a. 2.46
Market price - September n.a. 2.20
Market price - October n.a. 2.32
Market price - November n.a. 2.30
Market price - December n.a. 2.28

Price trends (%)

BETA


BOLSA DE MADRID)
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 03/08/2012 CaixaBank completes Banca Cívica acquisition (deal no.
1601325852)
2 31/05/2012 Banca Cívica issues convertible bonds (deal no. 1601375060)
3 20/04/2012 Bolton Group International acquires a stake in Luis Calvo Sanz
(deal no. 1601363500)
5 30/12/2011 Banco Cívica and Banco Mare Nostrum acquire a stake in Deoleo
(deal no. 1601331153)
6 17/11/2011 Banca Cívica may sell its stake in Calvo Conservas (deal no.
1601334200)
7 21/07/2011 Banca Civica completes IPO (deal no. 1601190536)
8 21/06/2011 Banca Cívica completes incorporation of the 4 Caja's assets (deal
no. 1601228195)
9 03/06/2011 Banca Civica to sell some branches to raise funds (deal no.
1601276867)
10 28/02/2011 Banca Cívica sells stake in AC Hotels (deal no. 1601253777)
11 11/02/2011 FROB subscribes to preferred shares in Banca Cívica (deal no.
1601246495)
12 08/02/2011 Banca Cívica completes preferred share issue (deal no.
1601240826)
13 07/12/2010 Mr Ramchand Bhavnani in talks with Banca Civica (deal no.
1601253432)
14 23/07/2010 JC Flowers backs Banca Cívica (deal no. 1601205363)
15 23/07/2010 JC Flowers reconsidering Banca Civica investment (deal no.
1601210612)
16 18/06/2010 Caja Navarra, Caja Canarias and Caja de Burgos form Banca
Cívica (deal no. 1601151606)
17 21/05/2010 Banca Cívica for IPO (deal no. 1601190536)
Source : Zephyr
This bank is inactive and therefore has no current shareholders.

Data on the previous shareholders is available. Go to the report sections Shareholders history (current, previous and
archived data) or Shareholders history (data at a closing date) to see this information.
This company is inactive and therefore has no subsidiaries.

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Caja de Ahorros y Monte de Piedad de Zaragoza, Aragon y Rioja-Ibercaja
50008 ZARAGOZA BvD ID number ESG50000652

Status Active
Contact details
Plaza Pariso, 2 Phone number +34 (976) 76 76 76

Fax number +34 (976) 21 18 47
50008 ZARAGOZA Web Site Address www.ibercaja.es
SPAIN
Bank History :
Established in 1876. On October 1, 2011 Ibercaja Banco SAU acquired banking business of Caja de Ahorros y Monte de
Piedad de Zaragoza, Aragon y Rioja.
Accounting Standards International Financial Nickname CAJZARCI

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 33,035.7 33,016.5 33,356.3 32,371.7
Gross Loans 33,844.2 33,776.2 34,212.5 33,083.9
Loans and Advances to Banks n.a. 1,058.9 796.6 442.1
Derivatives 763.7 501.5 464.5 356.1
Fixed Assets 686.9 713.2 729.0 688.5
Total Assets 45,237.1 44,988.8 44,691.0 44,066.4

Derivatives 235.5 196.0 133.7 141.8
Trading Liabilities n.a. n.a. 0.0 0.0
Other Reserves 154.4 241.1 339.7 301.3
Equity 2,858.0 2,880.3 2,854.2 2,669.9
Notes
Liquid Assets (Memo) 653.9 1,616.2 2,344.7 3,858.4
Off Balance Sheet Items 558.4 3,645.1 4,907.0 6,091.2

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Assets at FV through Income 46.1 36.0 40.6 0.7
Statement
Overheads 489.8 519.7 600.8 556.1
Other -56.6 -89.3 -37.6 23.0
Tax 12.8 32.3 38.5 54.2
Net Income 56.8 101.2 143.0 219.8
Operating Income (Memo) 838.7 865.7 1,014.4 963.4

Tier 1 Ratio 11.01 10.30 9.32 8.87
Total Capital 3,211.5 3,387.4 3,437.2 3,332.4
Tier 1 Capital 2,473.0 2,448.9 2,369.1 2,224.1
Net-Charge Offs -217.0 n.a. n.a. n.a.

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 922.9 830.0 1,303.7 1,782.9

Statement
Net Insurance Income 1.0 -1.1 -0.5 1.3
Equity-accounted Profit/ Loss - Operating -8.5 -19.6 -20.7 -2.5


Pre-tax Profit 69.6 133.5 181.5 274.0
Tax expense 12.8 32.3 38.5 54.2
Net Income 56.8 101.2 143.0 219.8

Currency Translation Differences n.a. n.a. n.a. n.a.
Remaining OCI Gains/(losses) 6.8 61.2 -28.1 n.a.
Memo: Profit Allocation to Non-controlling Interests n.a. -2.4 -0.7 0.1
Balance Sheet
Assets
Loans
Other Loans 33,844.2 33,776.2 34,212.5 33,083.9
Net Loans 33,035.7 33,016.5 33,356.3 32,371.7
Gross Loans 33,844.2 33,776.2 34,212.5 33,083.9
Loans and Advances to Banks n.a. 511.5 796.6 442.1
Reverse Repos and Cash Collateral n.a. 547.4 n.a. n.a.
Derivatives 763.7 501.5 464.5 356.1
Non-earning Assets
Fixed Assets 686.9 713.2 729.0 688.5
Goodwill n.a. n.a. 0.0 0.0
Other Assets 360.0 72.4 302.8 179.6
Total Assets 45,237.1 44,988.8 44,691.0 44,066.4
Repos and Cash Collateral 1,636.8 1,913.4 n.a. n.a.
Funding
Derivatives 235.5 196.0 133.7 141.8
Total Funding 37,257.9 37,596.6 37,252.3 37,495.6
Hybrid Capital
Debt
Equity
Equity
Common Equity 2,751.4 2,718.5 2,591.2 2,523.3
Securities Revaluation Reserves -49.9 6.0 102.5 -10.1
OCI
Total Equity 2,708.0 2,730.3 2,704.2 2,519.9
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
%
Capitalization
Loan Quality
Growth of Gross Loans% 0.20 -1.28 3.41 4.65
%
Net Charge-offs/ Average Gross Loans% -0.65 n.a. n.a. n.a.
Foreclosed Assets%
Funding
Interbank Assets/ Interbank Liabilities% n.a. 4.66 61.76 43.45
Reference Data
Sheet
Guarantees 543.1 620.5 1,310.2 1,704.6

balance sheet
Committed Credit Lines 15.1 23.7 26.5 13.5
Other Contingent Liabilities 0.2 3,000.9 3,570.3 4,373.1
Average Loans 33,303.4 34,104.9 33,545.3 32,344.0
Average Assets 45,058.4 44,925.9 44,125.6 43,540.2
Average Equity 2,735.8 2,706.5 2,600.4 2,581.6
Maturities






Net Income 56.8 101.2 143.0 219.8
Equity 2,708.0 2,730.3 2,704.2 2,519.9
as Equity
Add: Other Adjustments 2,708.0 n.a. n.a. n.a.
Published Equity n.a. 2,880.3 n.a. n.a.

interests)
on the B/S- CC only
Goodwill 0.0 0.0 0.0 0.0
securitizations
Total Interest Income on Loans 922.9 830.0 1,303.7 1,782.9
Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 6,163.9 5,832.8 4,609.3 3,904.1

Asset Quality Data

Net Charge-offs
Recoveries 217.0 n.a. n.a. n.a.
Net Charge-offs -217.0 n.a. n.a. n.a.
Reserves
Collective/General Loan Impairment Reserves n.a. 87.5 347.6 423.6
Individual/Specific Loan Impairment Reserves n.a. 672.2 508.6 288.6

Capital
Eligible Capital

dividends
Valuation Reserves for AFS Securities in OCI Total -49.9 6.0 102.5 -10.1
Valuation Reserves in OCI - Other 39.8 33.0 -28.2 -0.1
Total Valuation Reserves in OCI -10.1 39.0 74.3 -10.2
Other OCI Reserves -24.2 -4.6 15.7 16.6
Total OCI Reserves -34.3 34.4 90.0 6.4
Total Other Equity Reserves -34.3 34.4 90.0 6.4
Interests
absorbing

Deferred Tax Assets to be Deducted from Core n.a. 0.0 0.0 0.0
Capital
Regulatory Capital
II
II
Capital
Reverse repurchase agreements included in loans n.a. 547.4 n.a. n.a.
deposits
Repurchase agreements included in deposits from n.a. 1,913.4 n.a. n.a.
banks

loans

Total Exposure to Central Bank 375.1 280.6 1,253.3 3,115.6
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans -0.64 n.a. n.a. n.a.
NCO / Net Inc Bef Ln Lss Prov -80.07 n.a. n.a. n.a.
Capital
Tier 1 Ratio 11.01 10.30 9.32 8.87
Equity / Net Loans 8.65 8.72 8.56 8.25
Operations
Liquidity
Interbank Ratio n.a. 34.64 61.76 43.45
Date News
no. 1601315289)
2 31/01/2012 Ibercaja to issue preference shares to its shareholders in rights

issue (deal no. 1601338773)
3 14/01/2012 Ibercaja may inject funding into Aramón Montañas de Aragón
(deal no. 1601334253)
4 26/07/2011 Ibercaja approves transfer of financial assets to Ibercaja Banco
(deal no. 1601268718)
5 23/07/2010 Unicaja and Ibercaja postpone talks regarding merger (deal no.
1601252707)
6 21/02/2010 Ibercaja interested in Caja de Ahorros del Mediterráneo
acquisition (deal no. 1601162115)
7 06/08/2008 Inveryal acquires minority stake in Reyal Urbis (deal no.
1601007468)
8 06/08/2008 Inveryal could sell minority stake in Reyal Urbis (deal no.
1601007477)
1601007483)
10 06/08/2008 Inveryal to sell minority stake in Reyal Urbis (deal no.
1601007484)
11 12/07/2008 González Byass acquires Viñas del Vero (deal no. 655052)
12 02/07/2008 González Byass in advanced talks for Zaragoza winery (deal no.
655052)
13 25/02/2008 13 savings banks and Gerens form joint venture (deal no.
621758)
14 22/12/2007 CAI and Ibercaja will not be merging (deal no. 641782)
15 03/07/2007 Bodegas de Barbadillo acquires a stake in Bodegas Pirineos (deal
no. 551143)
16 27/06/2007 Iberdrola completes capital increase (deal no. 550911)
19 05/12/2006 Construcciones Reyal completes offering (deal no. 493328)

20 08/04/2006 Ibercaja increases stake in Telepizza (deal no. 434976)
21 20/03/2006 Ibercaja sells stake in Inbesòs (deal no. 429966)
22 11/04/2005 Grupo Arcoiris may take a minority stake in Jamcal (deal no.
335607)
23 03/02/2005 Ibercaja may increase stake in Endesa (deal no. 314994)
24 13/01/2005 Aramon Montañas de Aragón raises capital (deal no. 315587)
25 31/12/2004 Ibercaja sells FCC stake (deal no. 326875)
26 31/12/2004 Ibercaja increases NH Hoteles stake (deal no. 326881)
27 31/12/2004 Ibercaja increases stake in Endesa (deal no. 326887)
28 15/11/2004 Caja de Ahorros y Monte de Piedad de Zaragoza has taken a
minority stake in Jamcal Alimentación (deal no. 293335)
29 28/06/2004 Caja de Ahorros y Monte de Piedad de Zaragoza will not merge
with Caja de Ahorros de la Rioja (deal no. 259291)
30 13/11/2002 Aragon local government and Ibercaja form Aramon (deal no.
148315)
Source : Zephyr
Boards & committees

1. Mr. Amado Franco Lahoz - President of the Board BoD IN
P039803351 (since 27/07/2010)
2. Mr. Eugenio Nadal Reimat - Vice - president of the Board BoD IN
P039791297 (since 27/06/2008)
3. Mr. Alberto Palacio Aylagas - Vice - president of the Board BoD IN
P039791295 (since 27/07/2010)
Management & staff

1. Mr. José Luis Aguirre Loaso - General Manager SenMan IN
P042161403 (since 06/07/2004)
2. Mr. Jose Maria Abos Ferrer - Administrator SenMan IN
P103364576 (since 27/07/2010)
3. Mr. Jose Gabriel Albas Oncins - Administrator SenMan IN
P082779545 (since 27/07/2010)
4. Mr. Jose Luis Alguacil Sienes - Administrator SenMan IN
P002380945 (since 28/09/1998)
5. Mrs. Maria Pilar Arana Pardo - Administrator SenMan IN
P106090225 (since 27/07/2010)
6. Mrs. Maria Cristina Azpeitia - Administrator SenMan IN
Larrea (since 27/07/2010)
P082779544
7. Mr. Martin Beneded Campo - Administrator SenMan IN
P042489174 (since 27/07/2010)
8. Mr. Mariano Bergua Lacasta - Administrator SenMan IN
P042162185 (since 27/07/2010)
9. Mr. Lorenzo Bergua Lorente - Administrator SenMan IN
P039814258 (since 27/06/2008)
10. Mr. Jesus Maximo Bueno Arrese - Administrator SenMan IN
P039791290 (since 27/06/2008)
11. Mr. Leocadio Bueso Zaera - Administrator SenMan IN
P043071431 (since 27/07/2010)
12. Mr. Santiago Maria Cardelus - Administrator SenMan IN
Munoz Seca (since 28/09/1998)
P082779539
13. Mr. Fernando Cavero Lopez - Administrator SenMan IN
P103349029 (since 27/07/2010)
14. Mr. Vicente Colador Lopez - Administrator SenMan IN
P042162184 (since 06/07/2004)
15. Mr. Juan Carlos De Val Herrando - Administrator SenMan IN
P082779549 (since 27/07/2006)
16. Mrs. Maria Pilar Descalzo - Administrator SenMan IN
P082779538
17. Mrs. Remedios Elias Cordon - Administrator SenMan IN
P082779536 (since 28/09/1998)
18. Mr. Mateo Estaun Diaz De - Administrator SenMan IN
Villegas (since 27/07/2010)
P082779537
19. Mr. Francesc Farre Coll - Administrator SenMan IN
P082779542 (since 27/06/2008)
20. Mr. Dimas Fernandez Galiano - Administrator SenMan IN
Ruiz (since 02/08/2002)
P060725306
21. Mr. Manuel Vicente Gimenez - Administrator SenMan IN
Gascon (since 27/06/2008)
P042162194
22. Mrs. Silvia Ines Gimeno Gascon - Administrator SenMan IN
P042162190 (since 27/06/2008)
23. Mrs. Maria Lucia Gomez Garcia - Administrator SenMan IN
P093845885 (since 10/03/2011)
24. Mr. Jose Gracia Nerin - Administrator SenMan IN
P082779540 (since 27/06/2008)
25. Mr. Jose Maria Lanau Castan - Administrator SenMan IN
P043016620 (since 06/07/2004)
26. Mr. Sergio Larraga Martinez - Administrator SenMan IN
P082779554 (since 27/07/2010)
27. Mr. Julian Lopez Babier - Administrator SenMan IN
P039814263 (since 27/06/2008)
28. Mrs. Isabel Marco Sanjuan - Administrator SenMan IN
P082779552 (since 27/07/2010)
29. Mr. Manuel Jesus Martin Molina - Administrator SenMan IN
P002179815 (since 27/07/2010)
30. Mr. Jose Luis Merino Herrera - Administrator SenMan IN
P098773263 (since 01/08/1996)
31. Mr. Jesus Miguel Eito - Administrator SenMan IN
P082779555 (since 02/08/2002)
32. Mr. Joaquin Molinos Follos - Administrator SenMan IN
P042162169 (since 27/06/2008)
33. Mr. Enrique Monzon Simon - Administrator SenMan IN
P042275065 (since 27/07/2010)
34. Mr. Patricio Novales Pac - Administrator SenMan IN
P082779559 (since 27/07/2010)
35. Mrs. Ana Isabel Ordas Esco - Administrator SenMan IN
P082779558 (since 27/06/2008)
36. Mr. Luis Maria Oria Liria - Administrator SenMan IN
P082779556 (since 28/09/1998)
37. Mr. Manuel Pardos - Administrator SenMan IN
P082779551 (since 30/05/1994)
38. Mr. Bartolome Perez Filoromo - Administrator SenMan IN
P082779548 (since 27/07/2010)
39. Mr. Luis Domingo Puente Periz - Administrator SenMan IN
Josa (since 27/07/2006)
P082779557
40. Mr. Luis Pueyo Jose - Administrator SenMan IN
P100481449 (since 31/05/1998)
41. Mr. Francisco Juan Ratia Sopena - Administrator SenMan IN
P020489577 (since 22/11/2011)
42. Mr. Jose Maria Ruiz Tapiador - Administrator SenMan IN
Trallero (since 27/07/2010)
P042788907
43. Mr. Jose Salinas Lecina - Administrator SenMan IN
P082779546 (since 27/07/2010)
44. Mr. Jesus Serrano Saenz - Administrator SenMan IN
P082779550 (since 27/07/2010)
45. Mr. Angel Valiente Moreno - Administrator SenMan IN
P104264297 (since 27/06/2008)
46. Mr. Enrique Viejo Ximenez - Administrator SenMan IN
P042142549 (since 27/07/2010)
47. Mr. Fernando Vicente Thomas - Secretary of the Board SenMan IN
P042226586 (since 27/07/2010)
48. Mr. Jose Luis Rodrigo Molla - Human Resources Director HR IN
P081341748 (since 28/11/2007)
49. Mr. Enrique Arrufat Guerra - Sales Director Sales IN
P042096653 (since 28/12/2007)
- Marketing Director MarkAdv IN
(since 28/11/2007)
50. Mrs. Maria Pilar Segura Bas - IT Director (since 28/11/2007) IT&IS IN
50.
P042162198

Ownership Source
Level
own.

1. IBERCAJA BANCO SAU ES 100.00 100.00 1 UO+ IP 03/2012
2. IBERCAJA BOLSA FONDO DE INVERSION ES 100.00 100.00 1 UO+ IP 09/2011
MOBILIARIA.
3. IBERCAJA CAPITAL FONDO DE INVERSION ES 100.00 100.00 1 UO+ IP 09/2011
MOBILIARIA
4. IBERCAJA MEDIACION DE SEGUROS SA ES 100.00 100.00 1 UO+ IP 09/2011
5. IBERCAJA PENSIONES IV FONDO DE ES 100.00 100.00 1 UO+ IP 09/2011
PENSIONES
6. IBERCAJA PENSIONES V FONDO DE ES 100.00 100.00 1 UO+ IP 08/2012
PENSIONES
7. IBERCAJA RENTA FONDO DE INVERSION ES 100.00 100.00 1 UO+ IP 09/2011
MOBILIARIA
8. IBERCAJA RENTA PLUS FONDO INVERSION ES 100.00 100.00 1 UO+ IP 09/2011
MOBILIARIA
9. IBERCAJA SA ES 100.00 100.00 1 UO+ IP 09/2011
10. IBERCAJA VIAJES SA ES 100.00 100.00 1 UO+ IP 09/2011
11. IBERCAJA VIDA COMPAÑIA DE SEGUROS Y ES 100.00 100.00 1 UO+ IP 09/2011
REASEGUROS SA
12. MANTENIMIENTO DE PROMOCIONES ES 100.00 100.00 1 UO+ IP 09/2011
URBANAS Y SERVICIOS SA
13. TIPO LINEA SA ES 100.00 100.00 1 UO+ IP 09/2011
14. INMOBINSA INVERSIONES ES - 100.00 1 UO+ RM 12/2010
INMOBILIARIAS SA
15. PROMUR VIVIENDAS SL ES - 100.00 1 UO RM 12/2010
16. RESIDENCIAL MURILLO SL ES - 100.00 1 UO RM 12/2010
17. IBERCAJA GESTION SGIIC SA ES 99.80 n.a. 1 UO+ IP 09/2011
18. IBERCAJA LEASING Y FINANCIACION SA ES 99.80 n.a. 1 UO+ IP 09/2011
ESTABLECIMIENTO FINANCIERO DE
CREDITO
19. NYALA 2004, SICAV, SA ES 99.78 n.a. 1 UO+ IP 08/2012

20. IBERCAJA SERVICIOS INMOBILIARIOS SA ES 99.00 n.a. 1 UO+ IP 09/2011
21. CERRO GOYA SL ES 95.00 n.a. 1 UO IP 09/2011

22. IBERPROFIN SL ES 95.00 n.a. 1 UO IP 08/2012
23. SERVICIOS A DISTANCIA IBD SL ES 95.00 n.a. 1 UO IP 08/2012
24. GESTORA VALLE DE TENA S A ES - 90.10 1 UO RM 12/2010
25. COMERCIAL LOGISTICA DE CALAMOCHA ES - 77.38 1 UO RM 12/2010
SA
26. CAJARAGON SL ES 75.00 n.a. 1 UO IP 08/2012
27. GRUPO ALIMENTARIO NATURIBER S.A. ES 74.31 n.a. 1 UO IP 08/2012
28. CERRO MURILLO SL ES 73.70 n.a. 1 UO IP 09/2011
29. JAMCAL ALIMENTACION, SA ES 72.60 n.a. 1 UO IP 08/2012
30. IBERCAJA INTERNACIONAL FIM. ES >50.00 n.a. 1 UO IP 09/2011
31. ARAMON MONTAÑAS DE ARAGON ES 50.00 n.a. 1 - IP 09/2011
SOCIEDAD ANONIMA
32. CIUDAD DEL CORREDOR SL. ES - 50.00 1 - RM 12/2010
33. CORREDOR DEL IREGUA SOCIEDAD ES - 50.00 1 - RM 12/2010
LIMITADA
34. DESARROLLOS VIVIRZARAGOZA ES - 50.00 1 - RM 12/2010
SOCIEDAD ANONIMA
35. IBEROCA SL ES - 50.00 1 - RM 12/2010
36. IBERVALOR ENERGIA ARAGONESA ES 50.00 n.a. 1 - IP 03/2012
SOCIEDAD ANONIMA.
37. PUBLICACIONES Y EDICIONES DEL ALTO ES 46.80 n.a. 1 - IP 09/2011
ARAGON, SOCIEDAD ANONIMA
38. RIOJA NUEVA ECONOMIA SOCIEDAD ES 42.54 n.a. 1 - IP 08/2012
ANONIMA.
39. IBERCAJA HIGH YIELD FONDO DE ES 35.81 n.a. 1 - IP 09/2011
INVERSION MOBILIARIA DE FONDOS.
40. PROMOCIONES PALACETE DEL CERRILLO ES - 33.33 1 - RM 12/2010
SL
41. INVERZONA SEIS PARTICIPACIONES ES 31.91 n.a. 1 - IP 03/2012
ARAGONESAS SA
42. SAVIA CAPITAL CRECIMIENTO SA SCR DE ES 29.91 n.a. 1 - IP 09/2011
REGIMEN SIMPLIFICADO
43. HERALDO DE ARAGON SA ES 29.67 n.a. 1 - IP 09/2011
44. CHIP AUDIOVISUAL SA ES 25.00 n.a. 1 - IP 08/2012
45. DESARROLLO AGRICOLA Y SOCIAL DE n.a. 25.00 n.a. 1 - RM 12/2010
ARAGON S.A.
46. FUNDACION SAN MILLAN DE LA COGOLLA ES 25.00 n.a. 1 - IP 09/2011
47. SA PARA EL DESARROLLO AGRICOLA Y ES 25.00 n.a. 1 - IP 09/2011

SOCIAL DE ARAGON
48. NUEVOS MATERIALES DE CONSTRUCCION ES 21.93 n.a. 1 - IP 08/2012
SA
49. DISTRICLIMA ZARAGOZA SL ES 20.00 n.a. 1 - IP 09/2011
50. EBN BANCO DE NEGOCIOS SA-EBN BANCO ES 20.00 n.a. 1 - IP 08/2012
51. EUROPEA DE DESARROLLOS URBANOS SA ES - 20.00 1 - RM 12/2010
52. GESTION DE ACTIVOS DE ARAGON SA ES 20.00 n.a. 1 - IP 09/2011

53. PRAMES AUDIOVISUAL SA ES 20.00 n.a. 1 - IP 08/2012
55. PLATAFORMA LOGISTICA DE ZARAGOZA ES 18.18 n.a. 1 - IP 09/2011
PLAZA SA
56. SAVIA CAPITAL INNOVACION SA SCR DE ES 16.67 n.a. 1 - IP 08/2012
57. RADIO RIOJA, SA ES 16.31 n.a. 1 - IP 09/2011
58. PROYECTOS Y REALIZACIONES ES 15.64 n.a. 1 - IP 09/2011
ARAGONESAS DE MONTAÑA, ESCALADA Y
SENDERISMO, SA 'PRAMES, SA'
59. ZARAGOZA TELEVISION CABLE SA (EN ES 15.00 n.a. 1 - IP 08/2012

DISOLUCION)
60. ESTUDIO TECNICO DE INVERSIONES SA ES 14.64 n.a. 1 - IP 08/2012
61. PARQUE TEMATICO DE LOS PIRINEOS, ES 14.56 n.a. 1 - IP 08/2012
SOCIEDAD ANONIMA
62. RICARI DESARROLLO DE INVERSIONES ES 13.40 n.a. 1 - IP 09/2011
RIOJANAS SOCIEDAD ANONIMA
63. TITULIZACION DE ACTIVOS SOCIEDAD ES 12.86 n.a. 1 - IP 08/2012
GESTORA DE FONDOS DE TITULIZACION
SA
64. PARQUE TECNOLOGICO DEL MOTOR DE ES 12.46 n.a. 1 - IP 08/2012

ARAGON S.A.
65. CAJA DE SEGUROS REUNIDOS, COMPAÑIA ES 11.95 n.a. 1 - IP 08/2012
66. SOCIEDAD PARA LA PROMOCION Y ES 11.10 n.a. 1 - IP 08/2012

DESARROLLO EMPRESARIAL DE TERUEL SA
67. INMOBILIARIA URBANA DE LA MONCLOA, ES 10.21 n.a. 1 - IP 09/2011

SA
68. EDITORIAL NUEVA ALCARRIA SA ES 8.30 n.a. 1 - IP 03/2012
69. BODEGAS Y VIÑEDOS DEL JALON SA ES 7.53 n.a. 1 - IP 09/2011
70. CELERIS SERVICIOS FINANCIEROS, SA ES 6.75 n.a. 1 - IP 09/2011
71. EURO 6000, SA ES 6.67 n.a. 1 - IP 03/2012
72. PLATEA GESTION S.A. ES 6.00 n.a. 1 - IP 08/2012
73. NH HOTELES S.A. ES - 5.04 1 - SE 08/2012
74. REYAL URBIS, S.A. ES 4.30 n.a. 1 - IP 09/2011
75. OPORTUNIDAD BURSATIL, SA, SICAV ES 4.21 n.a. 1 - IP 09/2011
76. FERIA OFICIAL Y NACIONAL DE MUESTRAS ES 3.00 n.a. 1 - IP 08/2012
DE ZARAGOZA
77. LOSAN HOTELS WORLD S.L. ES 3.00 n.a. 1 - IP 08/2012
78. CLINICA BAVIERA SA via its funds ES - 2.49 1 - FS 03/2012
79. VOCENTO SA via its funds ES - 2.17 1 - FS 03/2012
80. NYESA VALORES CORPORACION, S.A. ES 2.10 n.a. 1 - IP 03/2012
81. CIR S.P.A. - COMPAGNIE INDUSTRIALI IT - 2.03 1 - FS 03/2012
RIUNITE via its funds
82. ANSALDO STS S.P.A. via its funds IT - 1.44 1 - FS 03/2012
83. ELLAKTOR S.A. via its funds GR - 1.02 1 - FS 03/2012
84. IBERCAJA PENSION ENTIDAD GESTORA DE ES 1.00 n.a. 1 - IP 09/2011
FONDOS DE PENSIONES SA
85. MOTA-ENGIL SGPS S.A. via its funds PT - 0.93 1 - FS 03/2012
86. BODACLICK, S.A. via its funds ES - 0.63 1 - FS 03/2012
87. MIQUEL Y COSTAS & MIQUEL SA - MCM via ES - 0.62 1 - FS 03/2012
its funds
88. PESCANOVA SA via its funds ES - 0.58 1 - FS 03/2012
89. MOTOR OIL (HELLAS) CORINTH GR - 0.54 1 - FS 03/2012
REFINERIES S.A. via its funds
90. SOCIEDADE DE INVESTIMENTO E GESTAO, PT - 0.51 1 - FS 03/2012
SGPS, SA SEMAPA via its funds
91. DEBENHAMS PLC via its funds GB - 0.47 1 - FS 03/2012
92. BOLSAS Y MERCADOS ESPANOLES ES - 0.32 1 - FS 06/2012
SISTEMAS FINANCIEROS SA via its funds
93. REALIA BUSINESS SA via its funds ES - 0.29 1 - FS 06/2012

94. BRISA - AUTO-ESTRADAS DE PORTUGAL PT - 0.27 1 - FS 03/2012
SA via its funds
95. SACYR VALLEHERMOSO, S.A. via its funds ES - 0.26 1 - FS 06/2012
96. LAGARDERE SCA via its funds FR - 0.21 1 - FS 03/2012
97. AZKOYEN SA via its funds ES - 0.18 1 - FS 03/2012
98. POWERLAND AG via its funds DE - 0.18 1 - FS 03/2012
99. ACERINOX SA via its funds ES - 0.17 1 - FS 03/2012
100. MOBISTAR S.A./N.V. via its funds BE - 0.17 1 - FS 03/2012
76 76
18 47
s
os y Monte de
ager for more
ager for more
Watch
IFRS IFRS IFRS IFRS

Unqualified Audited Audited Audited
31/12/2007 31/12/2006 31/12/2005 31/12/2004
31,025.9 26,349.3 21,457.1 16,554.7

31,612.8 26,810.3 21,833.6 16,856.5
586.9 461.0 376.5 301.8
9,326.0 9,670.6 7,593.0 6,242.7
1,572.1 2,613.2 1,532.8 1,203.1
305.2 289.9 358.7 315.4
7,357.4 6,765.4 5,665.4 4,469.0
91.3 2.1 36.1 255.2
40,351.9 36,019.9 29,050.1 22,797.4
659.3 725.6 704.3 587.2
1,998.5 798.7 858.9 577.2
43,009.7 37,544.2 30,613.3 23,961.8
23,368.1 19,361.1 17,458.4 14,791.9

19,807.4 16,684.3 14,362.4 12,651.4
998.5 782.3 856.2 833.9
2,562.2 1,894.5 2,239.8 1,306.6
12,691.3 11,448.2 7,387.5 4,201.2
493.7 259.3 125.1 91.3
0.0 n.a. n.a. n.a.
12,197.6 11,188.9 7,262.4 4,109.9
3,844.4 3,877.9 3,358.0 2,792.1
n.a. n.a. n.a. n.a.
309.5 286.6 279.6 276.6
2,796.4 2,570.4 2,129.8 1,900.0
43,009.7 37,544.2 30,613.3 23,961.8
240.4 135.3 117.7 121.8
586.9 461.0 376.5 301.8
3,513.3 3,411.7 2,368.0 1,850.3
23.8 15.1 8.2 6.1
8,003.7 7,565.8 6,761.6 5,129.4
0.0 n.a. n.a. n.a.

691.3 627.6 608.7 617.7

31/12/2007 31/12/2006 31/12/2005 31/12/2004
621.6 532.5 467.4 424.6
275.4 347.9 298.0 195.6
-7.9 5.7 11.1 -6.9
3.5 1.7 -2.5 -0.8
224.4 201.3 176.2 152.6

55.4 139.2 113.2 50.7
515.4 464.6 416.1 425.7
138.3 86.4 72.1 n.a.
122.0 2.2 -1.0 24.4
365.3 331.6 276.2 218.9
94.3 93.6 76.0 61.2
271.0 238.0 200.2 157.7
898.6 862.7 752.4 616.8
n.a. n.a. n.a. n.a.
12.38 12.92 12.96 13.16

6.97 7.13 7.22 7.83
3,388.0 3,141.8 2,676.8 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1,511.1 1,109.1 694.7 584.7
273.3 n.a. 93.3 51.6
22.8 34.7 19.0 18.0
1,807.2 1,143.8 807.0 654.3
725.4 n.a. 339.4 245.4

460.2 611.3 0.2 -15.7
1,185.6 611.3 339.6 229.7
621.6 532.5 467.4 424.6
-7.9 5.7 11.1 -6.9

13.3 93.2 69.4 9.9
3.5 1.7 -2.5 -0.8
0.0 5.3 10.1 8.5

224.4 201.3 176.2 152.6
43.7 23.0 20.7 28.9
277.0 330.2 285.0 192.2
297.5 271.4 250.5 235.8
217.9 193.2 165.6 189.9
515.4 464.6 416.1 425.7
-1.6 17.7 13.0 3.4

381.6 415.8 349.3 194.5
138.3 86.4 72.1 n.a.
-2.7 n.a. n.a. n.a.
246.0 329.4 277.2 194.5
n.a. n.a. n.a. n.a.

n.a. n.a. 0.1 0.0
0.7 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
120.0 2.2 -1.1 24.4
365.3 331.6 276.2 218.9
94.3 93.6 76.0 61.2
n.a. n.a. n.a. n.a.
271.0 238.0 200.2 157.7
1.8 106.8 61.7 108.3

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. -284.6 284.6
272.8 344.8 -22.7 550.6
0.0 0.3 0.1 0.3
271.0 237.7 200.1 157.4
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
31,612.8 26,810.3 21,833.6 16,856.5
586.9 461.0 376.5 301.8
31,025.9 26,349.3 21,457.1 16,554.7
31,612.8 26,810.3 21,833.6 16,856.5
240.4 135.3 117.7 121.8
n.a. n.a. n.a. n.a.
1,572.1 2,613.2 1,532.8 1,203.1

n.a. n.a. n.a. n.a.
293.6 307.6 360.7 326.6
305.2 289.9 358.7 315.4
3,550.5 2,800.5 2,044.0 1,683.8
3,185.3 3,292.9 3,128.6 2,346.4
171.2 157.3 132.1 112.2
156.8 207.1 n.a. n.a.
7,662.6 7,055.3 6,024.1 4,784.4
2,843.9 2,832.0 2,661.6 1,633.8
n.a. n.a. n.a. n.a.
90.6 n.a. n.a. 81.5
0.7 2.1 1.2 0.6
0.0 n.a. 34.9 173.1
40,351.9 36,019.9 29,050.1 22,797.4
1,647.6 490.9 474.5 320.6

n.a. n.a. n.a. n.a.
102.8 101.3 n.a. n.a.
659.3 725.6 704.3 587.2
0.0 0.0 0.0 0.0
23.8 15.1 8.2 6.1
16.5 14.4 35.7 30.3
201.4 167.6 150.9 121.5
n.a. n.a. n.a. n.a.
6.4 9.4 189.6 98.7
43,009.7 37,544.2 30,613.3 23,961.8
5,996.5 5,947.7 5,150.1 4,317.2

2,792.8 2,992.3 2,907.6 2,859.2
11,018.1 7,744.3 6,304.7 5,475.0
19,807.4 16,684.3 14,362.4 12,651.4
998.5 782.3 856.2 833.9
n.a. n.a. n.a. n.a.
2,562.2 1,894.5 2,239.8 1,306.6
23,368.1 19,361.1 17,458.4 14,791.9
11,506.3 10,561.3 6,653.7 3,492.2
691.3 627.6 608.7 617.7
n.a. n.a. n.a. n.a.
12,197.6 11,188.9 7,262.4 4,109.9
493.7 259.3 125.1 91.3
0.0 n.a. n.a. n.a.
36,059.4 30,809.3 24,845.9 18,993.1
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
309.5 286.6 279.6 276.6
53.7 29.3 22.9 27.9
220.4 219.6 225.6 187.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,930.5 3,022.3 2,722.8 2,268.7
639.8 606.7 386.7 308.4
40,213.3 34,973.8 28,483.5 22,061.8
0.0 n.a. n.a. n.a.
150.0 150.0 0.0 n.a.
2,356.3 2,142.0 1,956.0 1,503.5

4.9 3.7 3.8 3.6
285.2 274.7 170.0 108.3
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 284.6
2,646.4 2,420.4 2,129.8 1,900.0

43,009.7 37,544.2 30,613.3 23,961.8
2,622.6 n.a. n.a. n.a.
2,772.6 n.a. n.a. n.a.
5.11 4.56 3.59 n.a.

3.57 n.a. 2.51 n.a.
4.70 3.52 3.11 n.a.

3.53 2.20 1.55 n.a.
1.62 1.64 1.80 n.a.

1.26 1.37 1.52 n.a.
1.62 1.64 1.80 n.a.
30.83 38.28 37.88 31.16

57.36 53.85 55.30 69.02
1.27 1.36 1.52 n.a.
14.81 18.28 17.34 n.a.
0.94 1.22 1.28 n.a.
35.53 20.78 20.64 n.a.
9.55 14.48 13.76 n.a.

0.61 0.97 1.02 n.a.
25.81 28.23 27.52 27.96
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
10.52 10.46 9.94 n.a.

0.67 0.70 0.73 n.a.
10.59 15.16 -1.13 n.a.
0.67 1.01 -0.08 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
6.10 5.99 6.47 7.44
6.97 7.13 7.22 7.83
12.38 12.92 12.96 13.16
n.a. n.a. n.a. n.a.
6.15 6.45 6.96 7.93
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

10.24 9.83 9.40 8.30
14.56 22.64 27.76 n.a.

17.91 22.79 29.53 n.a.
0.76 0.50 0.54 0.72
1.86 1.72 1.72 1.79
244.13 340.72 319.88 247.78
-13.09 -13.46 -12.15 -9.47
0.47 0.36 0.37 n.a.

n.a. n.a. n.a. n.a.
1.08 0.88 0.54 0.72
159.60 160.69 152.02 133.24

157.45 334.04 179.02 144.27
55.69 54.61 58.10 66.93
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,114.0 2,007.6 1,833.7 1,334.5

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

5,889.7 5,558.2 4,927.9 3,794.9
51,013.4 45,110.0 37,374.9 29,091.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
29,566.3 24,322.0 19,345.1 n.a.

38,475.6 32,535.0 25,923.8 n.a.
40,452.7 34,078.8 27,287.6 n.a.
n.a. n.a. n.a. n.a.
33,580.3 27,827.6 21,919.5 n.a.
2,265.2 2,049.0 1,729.8 n.a.
2,575.8 2,275.1 2,014.9 n.a.
20,308.9 15,523.4 13,506.9 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
691.3 627.6 608.7 617.7
n.a. n.a. n.a. n.a.
271.0 238.0 200.2 157.7

n.a. n.a. n.a. n.a.
271.0 n.a. n.a. n.a.
2,646.4 2,420.4 2,129.8 1,900.0

150.0 150.0 0.0 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
2,646.4 2,420.4 2,129.8 1,900.0
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.

0.0 0.0 0.0 0.0
23.8 15.1 8.2 6.1
0.0 167.6 150.9 121.5
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
2,622.6 n.a. n.a. n.a.

150.0 150.0 0.0 n.a.
0.0 n.a. n.a. n.a.
2,772.6 n.a. n.a. n.a.
1,124.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,511.1 1,109.1 694.7 584.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
725.4 n.a. 339.4 245.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
6.3 2.6 1.8 7.1
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
6.3 2.6 1.8 7.1
1,814.2 1,286.9 866.2 1,022.3
755.9 582.5 433.2 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
980.4 931.1 744.6 661.5
n.a. n.a. n.a. n.a.
3,550.5 2,800.5 2,044.0 1,683.8
1,099.6 1,044.4 900.7 712.6
2,085.7 2,248.5 2,227.9 1,633.8

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,185.3 3,292.9 3,128.6 2,346.4
2,841.6 2,831.0 2,661.1 1,633.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
980.4 931.1 744.6 661.5
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
437.0 382.5 316.9 n.a.

150.2 79.1 60.1 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

2,356.3 2,142.0 1,956.0 1,503.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
4.9 3.7 3.8 3.6
2,641.5 2,416.7 2,126.0 1,896.4
2,356.3 2,142.0 1,956.0 1,503.5
278.6 276.8 170.0 108.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
278.6 276.8 170.0 108.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
278.6 276.8 170.0 108.3
n.a. n.a. n.a. n.a.
278.6 276.8 170.0 108.3
150.0 150.0 0.0 n.a.
2,796.4 2,570.4 2,129.8 1,900.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 167.6 150.9 121.5
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
150.0 150.0 0.0 n.a.
150.0 150.0 0.0 n.a.
150.0 150.0 0.0 n.a.
n.a. n.a. n.a. n.a.

3,388.0 3,141.8 2,676.8 n.a.
6.97 7.13 7.22 7.83
12.38 12.92 12.96 13.16
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7,662.6 7,055.3 6,024.1 4,784.4

n.a. n.a. n.a. n.a.
7,662.6 7,055.3 6,024.1 4,784.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
5,216 4,587 4,279 n.a.

1,082 1,045 1,008 965
6.97 7.13 7.22 7.83
n.a. n.a. n.a. n.a.
12.38 12.92 12.96 13.16
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,440.2 273.6 272.9 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1.86 1.72 1.72 1.79

22.25 16.23 15.43 n.a.
244.14 340.72 319.88 247.78
0.76 0.51 0.54 0.72
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
8.60 5.26 5.53 6.41
n.a. n.a. n.a. n.a.
6.97 7.13 7.22 7.83
12.38 12.92 12.96 13.16
6.50 6.85 6.96 7.93
9.01 9.76 9.93 11.48
11.97 13.28 12.20 12.85
7.08 7.48 7.64 8.86
8.11 8.52 8.95 10.51
11.24 12.14 12.76 15.21
14.93 16.52 15.69 17.02
8.83 9.31 9.82 11.74
19.82 19.63 22.23 24.53
1.63 1.64 1.80 1.86

1.54 1.56 1.71 1.77
0.68 1.02 1.09 0.82
1.62 1.62 1.79 1.78
0.60 0.97 1.02 0.81
0.07 -0.27 -0.28 -0.15
0.67 0.70 0.73 0.66
10.10 10.13 9.94 8.30
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
45.02 0.92 -0.50 15.47
57.46 52.77 54.36 68.64
0.95 1.22 1.28 0.81
157.45 334.04 179.02 144.27

72.14 70.18 70.09 69.09
132.77 136.09 122.90 111.92
87.72 87.30 88.53 90.09
15.04 17.62 13.56 12.51
9.93 11.30 9.77 10.07
Op.
Date of Vari- No of
Revenue
(mil USD)*
03/2012 - n.a. n.a.

09/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.

09/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
09/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.

09/2011 ð 6.0 10.0
09/2011 ð 1,523.0 17.0
09/2011 ð 2.0 22.0
09/2011 ð 3.0 30.0

12/2010 ð n.a. n.a.
12/2010 ð <0,5 n.a.

12/2010 ð 22.0 n.a.
09/2011 ø 71.0 33.0
09/2011 ø 20.0 21.0
08/2012 ð <0,5 n.a.

09/2011 ø 1.0 6.0
09/2011 ø n.a. n.a.

08/2012 ð <0,5 4.0
08/2012 ð 3.0 48.0
12/2010 ð <0,5 n.a.
12/2010 ð 14.0 97.0
08/2012 ð n.a. n.a.

08/2012 ñ 1.0 25.0
09/2011 ø 1.0 6.0
08/2012 ð 5.0 49.0
09/2011 ð n.a. 1.0
09/2011 ð 60.0 41.0
12/2010 ð n.a. n.a.

12/2010 ö 3.0 n.a.
12/2010 ð 2.0 n.a.
12/2010 ð n.a. n.a.

03/2012 ð n.a. n.a.
09/2011 ö 5.0 49.0
08/2012 ð n.a. n.a.
09/2011 ð n.a. n.a.
12/2010 ð n.a. n.a.
03/2012 ð n.a. n.a.
09/2011 ð n.a. n.a.
09/2011 ö 100.0 281.0

08/2012 ð 13.0 105.0
12/2010 - n.a. n.a.
09/2011 ð - -
09/2011 ð <0,5 1.0
08/2012 ð 12.0 30.0
09/2011 ð 2.0 n.a.

08/2012 ð 20.0 64.0
12/2010 ð <0,5 n.a.
09/2011 ð 3.0 36.0

08/2012 ð 1.0 2.0
09/2011 ø 7.0 8.0
09/2011 ð 6.0 7.0
08/2012 ð n.a. n.a.
09/2011 ð 2.0 29.0

09/2011 ð 10.0 70.0
08/2012 ð n.a. n.a.
08/2012 ð 15.0 173.0

08/2012 ð 1.0 5.0
09/2011 ö - -
08/2012 ð n.a. n.a.
08/2012 ð 1.0 2.0
08/2012 ö 3,619.0 3,307.0
08/2012 ð <0,5 2.0
09/2011 ð n.a. n.a.
03/2012 - 3.0 50.0

09/2011 ð 3.0 5.0
09/2011 ð 32.0 270.0
03/2012 ö 8.0 25.0
08/2012 ð 3.0 1.0
08/2012 ð 1,772.0 13,584.0
09/2011 ð 360.0 478.0
09/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð 2.0 7.0

03/2012 ö 121.0 784.0
03/2012 ø 891.0 3,506.0
03/2012 ö 25.0 92.0
03/2012 ö 6,147.0 27.0
03/2012 ø 1,600.0 4,100.0

03/2012 ø 1,923.0 4,054.0
09/2011 ò n.a. n.a.
03/2012 ð 2,937.0 20,653.0
03/2012 ö 25.0 342.0
03/2012 ð 251.0 795.0
03/2012 ö 2,183.0 10,278.0

03/2012 ð 11,368.0 1,841.0
03/2012 ö 2,368.0 5,133.0
03/2012 ø 3,683.0 30,624.0

06/2012 ð 413.0 706.0
06/2012 ð 304.0 158.0

03/2012 ð 1,019.0 2,407.0
06/2012 ð 5,448.0 20,662.0

03/2012 ø 10,440.0 28,510.0
03/2012 ö 163.0 758.0
03/2012 ð <0,5 4.0
03/2012 ø 6,094.0 7,431.0
03/2012 ø 2,211.0 n.a.
Unicaja - Montes de Piedad y Caja de Ahorros de Ronda, Cadiz, Almeria, Malaga Y
Antequera
29007 MALAGA BvD ID number ESG29498086

(since 06/2010)
Contact details
Avda de Andalucia 10 y 12 Phone number +34 (95) 213 80 00

Fax number +34 (95) 213 81 31
29007 MALAGA
SPAIN
Bank History :
Established on March 18, 1991 as the result of the merger between Monte de Piedad y Caja de Ahorros de Ronda, Monte
de Piedad y Caja de Ahorros de Almeria, Caja de Ahorros y Monte Piedad de Cadiz, Caja de Ahorros Provincial de Malaga,
Caja de Ahorros y Prestamos de Antequena. In June 2010, Unicaja - Montes de Piedad y Caja de Ahorros de Ronda,
Cadiz, Almeria, Malaga Y Antequera merged with Caja Provincial de Ahorros de Jaén to form Montes de Piedad y Caja de
Ahorros de Ronda, Cadiz, Almeria, Malaga, Antequera y Jaen..

(since 06/2010) Nickname UNICI
Name of the Auditor Price Waterhouse Coopers

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
EIU Rating Date Action/Direction Outlook
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 21,859.6 22,250.5 23,052.0 24,025.0
Gross Loans 22,723.5 23,297.0 24,028.7 24,865.3
Less: Reserves for Impaired Loans/ NPLs 863.9 1,046.5 976.7 840.3
Derivatives 671.2 420.8 321.0 244.8
Fixed Assets 622.9 714.3 729.9 750.3
Total Assets 38,155.4 34,343.8 34,184.9 32,155.7

Derivatives 56.3 53.2 39.2 22.9
Other Reserves 343.1 312.7 323.9 314.6
Equity 2,546.0 2,653.2 2,907.8 2,723.9
Notes
Impaired Loans (Memo) 1,297.2 661.3 755.2 553.1
Loan Loss Reserves (Memo) 863.9 1,046.5 976.7 840.3
Off Balance Sheet Items n.a. 3,886.8 4,635.6 6,025.8

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Statement
Overheads 465.5 506.5 480.6 480.8
Other -82.6 -31.0 44.9 153.3
Tax 15.8 4.8 26.3 51.7
Net Income 105.5 151.2 204.8 286.1
Operating Income (Memo) 703.1 853.3 954.8 871.1

Tier 1 Ratio 13.60 13.00 11.93 10.23
Total Capital 2,749.2 3,026.2 3,155.4 2,911.4
Tier 1 Capital 2,641.7 2,608.5 2,532.3 2,268.8
Net-Charge Offs 80.3 175.1 100.1 125.5

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 841.9 868.1 1,217.2 1,482.3


Other Interest Expense 64.2 -41.0 47.2 245.7
Statement


Non-recurring Expense 129.2 n.a. 17.2 n.a.
Other Non-operating Income and Expenses 4.3 -126.4 -39.2 -31.8
Pre-tax Profit 121.3 156.0 231.1 337.8
Tax expense 15.8 4.8 26.3 51.7
Net Income 105.5 151.2 204.8 286.1
Change in Value of AFS Investments n.a. -192.4 26.4 -725.7

Currency Translation Differences n.a. 8.1 n.a. n.a.
Remaining OCI Gains/(losses) n.a. -28.9 22.3 -17.0
Fitch Comprehensive Income 105.5 -62.0 253.5 -456.6
Memo: Profit Allocation to Non-controlling Interests -0.3 n.a. n.a. n.a.
Balance Sheet
Assets
Loans
Other Loans 22,723.5 23,297.0 24,028.7 24,865.3
Less: Reserves for Impaired Loans/ NPLs 863.9 1,046.5 976.7 840.3
Net Loans 21,859.6 22,250.5 23,052.0 24,025.0
Gross Loans 22,723.5 23,297.0 24,028.7 24,865.3
Memo: Impaired Loans included above 1,297.2 661.3 755.2 553.1
Loans and Advances to Banks 2,429.7 890.8 657.6 1,176.0
Reverse Repos and Cash Collateral 2,968.3 907.1 902.7 371.1
Derivatives 671.2 420.8 321.0 244.8
Held to Maturity Securities 1,132.2 0.0 0.0 n.a.
Other Securities 968.1 1,037.9 1,028.7 n.a.
Memo: Government Securities included Above n.a. n.a. 1,537.4 1,029.0
Investments in Property n.a. 65.1 42.7 n.a.
Non-earning Assets
Fixed Assets 622.9 714.3 729.9 750.3
Goodwill 42.0 43.9 45.8 47.7
Other Assets 265.0 163.9 137.3 67.2
Total Assets 38,155.4 34,343.8 34,184.9 32,155.7
Customer Deposits - Current n.a. n.a. 3,501.5 3,775.3
Customer Deposits - Savings n.a. n.a. 4,703.8 4,448.8
Funding
Senior Debt Maturing after 1 Year 932.0 1,219.2 1,926.8 1,498.7
Other Funding 12,384.2 9,153.1 8,593.9 7,213.9
Derivatives 56.3 53.2 39.2 22.9
Total Funding 34,334.1 30,462.6 30,031.2 28,362.7
Hybrid Capital
Debt
Equity
Equity
Common Equity 2,628.2 2,788.3 2,824.1 2,657.8
Foreign Exchange Revaluation Reserves n.a. -3.2 -11.2 -12.5
Fixed Asset Revaluations and Other Accumulated -42.2 -29.1 5.3 15.7
OCI
Total Equity 2,546.0 2,653.2 2,907.8 2,723.9
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
Fitch Comprehensive Income/ Average Total Equity 3.99 -2.18 9.01 -15.25
%
Fitch Comprehensive Income/ Average Total Assets 0.29 -0.18 0.76 -1.40
%
Securitized Assets%
Fitch Comprehensive Income/ Risk Weighted Assets 0.54 -0.31 1.19 -2.07
%
Capitalization
Cash Dividend Paid & Declared/ Fitch Comprehensive n.a. n.a. 13.81 -10.95
Income%
Loan Quality
Growth of Total Assets% 11.10 0.46 6.31 -2.10
Impaired Loans less Reserves for Imp Loans/ Equity 17.02 -14.52 -7.62 -10.54
%
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees n.a. 1,266.7 1,213.0 1,325.4

balance sheet
Other Contingent Liabilities n.a. 2,620.1 3,422.6 4,700.4
Average Loans 23,894.4 23,727.7 24,749.9 24,634.0
Average Assets 36,026.1 34,265.7 33,308.5 32,561.6
Average Equity 2,646.5 2,840.9 2,814.1 2,994.0
Maturities





Net Income 105.5 151.2 204.8 286.1
Equity 2,546.0 2,653.2 2,907.8 2,723.9
as Equity
Published Equity n.a. n.a. 2,907.8 2,723.9

interests)
the B/S- CC only
Goodwill 42.0 43.9 45.8 47.7
securitizations
Total Interest Income on Loans 841.9 868.1 1,217.2 1,482.3

Borrowing
Securities
breakdown)
Debt Securities designated at FV through the Income n.a. n.a. n.a. n.a.
Statement - Banks
Income Statement
Statement
breakdown)
Total AFS Assets 4,595.7 5,798.6 5,080.8 4,045.7

Total HTM Debt Securities 1,132.2 0.0 0.0 n.a.
Asset Quality Data

Net Charge-offs
Gross Charge-offs n.a. n.a. 102.4 n.a.
Recoveries n.a. n.a. 2.3 n.a.
Net Charge-offs 80.3 175.1 100.1 125.5
Reserves

Capital
Eligible Capital

Retained Earnings n.a. 2,788.3 2,824.1 2,657.8
dividends
Valuation Reserves for AFS Securities in OCI Total n.a. -103.1 89.3 62.9
Valuation Reserves for FX in OCI n.a. -3.2 -11.3 n.a.
Valuation Reserves in OCI - Other n.a. -23.6 5.3 -17.0
Total Valuation Reserves in OCI n.a. -129.9 83.3 45.9
Cash Flow Hedge Reserve n.a. -5.5 n.a. 32.6
Total OCI Reserves n.a. -135.4 83.3 78.5
Total Other Equity Reserves n.a. -135.4 83.3 78.5
Interests
absorbing

Deferred Tax Assets to be Deducted from Core n.a. 0.0 0.0 244.7
Capital
Intangibles to be deducted from Core Capital n.a. n.a. 4.0 2.3
Hybrid Capital Fitch Class E n.a. n.a. 0.0 0.0
Weighted Total of Fitch Hybrid Capital Classes n.a. 0.0 0.0 0.0
Regulatory Capital

II
Capital
deposits
banks

loans
Number of Employees n.a. n.a. n.a. n.a.

Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Unreserved Impaired Loans / Equity 17.02 n.a. n.a. n.a.
Capital
Tier 1 Ratio 13.60 13.00 11.93 10.23
Equity / Net Loans 11.65 11.92 12.61 11.34
Operations
Inc Net Of Dist / Avg Equity n.a. n.a. 6.03 7.95
Liquidity
Interbank Ratio 108.90 45.73 52.19 59.95

Date News
1 14/10/2012 Unicaja and Cajasol subscribe for new shares in Grupo Hoteles
Playa capital increase (deal no. 1601411542)
2 08/09/2011 Unicaja plans to go ahead with Caja España-Duero merger (deal
no. 1601315279)
3 18/07/2011 Isofotón to acquire stake in Silicio Energía from 6 companies
(deal no. 1601286511)
(deal no. 1601272090)
5 10/05/2011 Andalucian government approve part of IDEA'a investment in
PTA (deal no. 1601269380)
6 25/01/2011 Unicaja sells shares in Abertis Infraestructuras to investors (deal
no. 1601241421)
7 13/01/2011 Cajasol and Unicaja will not merge (deal no. 1601176857)
8 07/01/2011 SOS completes debt-for-equity transaction (deal no.
1601219192)
9 04/10/2010 Cajasur may sell BEF stake to Unicaja, Cajasol and CajaGranada
(deal no. 1601221815)
10 28/07/2010 SOS Corp completes debt for equity share issue (deal no.
1601177177)
11 23/07/2010 Unicaja and Ibercaja postpone talks regarding merger (deal no.
1601252707)
12 24/05/2010 CajaSur rejects merger with UniCaja (deal no. 1601096850)
13 23/02/2010 Nueva Rumasa increases tender offer for stake in SOS
Corporación (deal no. 1601082402)
14 21/07/2009 Unicaja and Cajasur are in merger talks (deal no. 1601096850)
15 13/07/2009 Unicaja and Caja de Jaen merger receives approval (deal no.
1601095076)
16 18/06/2009 Unicaja acquires shares in Iberdrola (deal no. 1601090382)
17 29/04/2009 France Telecom increases its stake in France Telecom España
(deal no. 1601075443)
18 02/03/2009 Caja Castilla La Mancha and Unicaja to merge (deal no.
1601051699)
19 24/02/2009 Unicaja acquires stake in Abertis (deal no. 1601055011)
20 08/01/2009 Unicaja acquires a minority stake in Iberdrola (deal no.
1601042867)
1601007483)
22 06/08/2008 Inveryal to sell minority stake in Reyal Urbis (deal no.
1601007484)
23 06/08/2008 Inveryal acquires minority stake in Reyal Urbis (deal no.
1601007468)
1601007477)
25 20/06/2008 Ficosa completes its capital increase operation (deal no. 640436)
26 14/03/2008 Unicaja sells minority stake in Iberdrola (deal no. 626905)

27 24/01/2008 Unicaja sells minority stake in Iberdrola (deal no. 612802)
28 03/09/2007 Unicaja acquires minority stake in Parque Tecnológico de
Andalucía SA (deal no. 571508)
29 13/08/2007 Unicaja, Caja de Canarias, CAI, Caja de Ávila and Caixa Sabadell
form joint venture (deal no. 578371)
30 26/07/2007 Unicaja and GE form joint venture (deal no. 559836)
31 26/07/2007 Unicaja open to merger (deal no. 562789)
32 27/06/2007 Iberdrola completes capital increase (deal no. 550911)
33 02/03/2007 Unicaja increases stake in Iberdrola (deal no. 521321)
34 09/02/2007 Corporación Financiera Alba acquires Islalink (deal no. 515971)
35 08/02/2007 Unicaja increases stake in Iberdrola (deal no. 514781)

36 08/02/2007 Reyal prices share offering (deal no. 504435)
37 30/01/2007 Unicaja increases Iberdrola stake (deal no. 511869)
38 16/11/2006 Unicaja to acquire a stake in Novasoft (deal no. 494776)
39 19/09/2006 Unicaja has taken a minority stake in Sacyr Vallehermoso (deal
no. 477215)
40 29/08/2006 Banks may increase stake in SOS Cuétara (deal no. 471633)
41 30/06/2006 Unicaja acquires Parque Tecnológico de Andalucía (deal no.
510593)
42 10/04/2006 Cintra increase stake in Autopista Madrid Sur (deal no. 435071)
43 07/03/2006 Unicaja increases Iberdrola stake (deal no. 425911)

44 30/01/2006 Caja Jaen to purchase BEF stake (deal no. 416493)
45 26/01/2006 Caja Sur purchase of BEF stake approved (deal no. 416462)
46 26/01/2006 El Monte to purchase BEF stake (deal no. 416477)
47 26/01/2006 Caja San Fernando receives approval for purchase of BEF stake
(deal no. 416485)
48 26/01/2006 Caja Granada receives approval for purchase of BEF stake (deal
no. 416456)
49 07/12/2005 Unicaja's purchase of Globalia's minority stake is now finalised
(deal no. 380852)
50 01/11/2005 Caja Murcia, Caixanova, Caja Avila and Unicaja increase stake in
Sacyr Vallehermoso (deal no. 411881)
Source : Zephyr
This bank is inactive and has therefore no controlling shareholders.

Malaga Y
498086
ed (merger)
06/2010)
5) 213 80 00
5) 213 81 31
rros de Ronda, Monte

s Provincial de Malaga,
horros de Ronda,
s de Piedad y Caja de
Report
2012
KS
urope)
nt manager for more
nt manager for more
Watch
IFRS IFRS IFRS IFRS IFRS

Unqualified Unqualified Unqualified Unqualified Not Audited
31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
24,025.0 23,954.2 20,461.8 16,834.2 13,942.8

24,865.3 24,460.1 20,883.5 17,199.2 14,206.0
840.3 505.9 421.7 365.0 263.2
6,194.3 6,781.2 6,232.8 4,551.5 4,288.9
1,547.1 1,225.3 2,029.9 924.8 1,495.9
244.8 21.5 22.7 107.9 68.5
4,272.7 5,404.5 4,069.9 3,406.4 2,600.5
129.7 129.9 110.3 112.4 124.0
30,219.3 30,735.4 26,694.6 21,385.7 18,231.7
750.3 732.4 714.4 701.6 686.7
1,186.1 1,377.3 858.7 926.6 838.0
32,155.7 32,845.1 28,267.7 23,013.9 19,756.4
19,390.0 18,933.0 17,148.1 15,174.1 13,821.7

15,611.3 14,700.3 13,625.9 12,477.7 12,641.6
2,580.6 2,795.1 220.2 267.0 270.8
1,198.1 1,437.6 3,302.0 2,429.4 909.3
8,972.7 9,161.9 6,628.8 4,115.8 2,748.6
22.9 374.4 113.5 15.1 8.4
n.a. 0.0 0.0 0.0 0.0
8,949.8 8,787.5 6,515.3 4,100.7 2,740.2
754.5 1,079.3 1,127.8 904.4 763.4
n.a. n.a. n.a. n.a. n.a.
314.6 454.9 440.5 470.1 498.7
2,723.9 3,216.0 2,922.5 2,349.5 1,924.0
32,155.7 32,845.1 28,267.7 23,013.9 19,756.4
553.1 152.3 103.9 89.2 92.0

840.3 505.9 421.7 365.0 263.2
2,120.5 1,985.5 2,584.7 1,422.2 1,970.1
50.0 53.1 56.1 58.5 5.4
6,025.8 6,013.4 5,564.0 4,508.1 n.a.
0.0 0.0 n.a. n.a. n.a.

237.2 321.8 420.6 505.7 445.2

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
714.4 686.1 627.0 547.0 502.8
210.8 214.4 194.0 191.5 139.6
0.5 -4.7 -1.4 -2.6 1.1
134.2 135.7 123.0 109.3 91.4

76.1 83.4 72.4 84.8 47.1
480.8 428.3 396.1 375.3 356.6
259.9 87.3 93.0 108.6 46.1
153.3 73.3 66.8 71.6 10.6
337.8 458.2 398.7 326.2 250.3
51.7 100.5 94.1 74.6 57.0
286.1 357.7 304.6 251.6 193.3
871.1 863.4 791.8 715.1 622.0
50.0 55.0 46.4 n.a. n.a.
13.21 12.44 13.00 13.59 n.a.

10.23 8.44 8.20 8.46 n.a.
2,911.4 3,132.1 2,837.2 2,490.0 n.a.
2,268.8 2,125.8 1,786.6 1,551.5 n.a.
125.5 5.8 20.9 8.5 n.a.

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
1,482.3 1,364.8 n.a. 690.7 614.2

197.9 n.a. 941.0 56.8 63.8
54.5 74.4 100.8 49.6 32.1
1,734.7 1,439.2 1,041.8 797.1 710.1
774.6 n.a. n.a. 251.4 201.4

245.7 753.1 414.8 -1.3 5.9
1,020.3 753.1 414.8 250.1 207.3
714.4 686.1 627.0 547.0 502.8
0.5 -4.7 -1.4 -2.6 1.1

4.6 32.9 25.9 44.4 11.5

134.2 135.7 123.0 109.3 91.4
17.4 13.4 17.3 17.0 15.2
156.7 177.3 164.8 168.1 119.2
286.3 277.1 254.2 236.7 220.8
194.5 151.2 141.9 138.6 135.8
480.8 428.3 396.1 375.3 356.6
54.1 37.1 29.2 23.4 20.4

444.4 472.2 424.9 363.2 285.8
259.9 87.3 93.0 108.6 46.1
27.1 17.2 1.2 n.a. n.a.
157.4 367.7 330.7 254.6 239.7

212.2 101.1 78.8 48.3 51.6
n.a. 2.4 1.9 2.5 n.a.
-31.8 -8.2 -8.9 25.8 -41.0
337.8 458.2 398.7 326.2 250.3
51.7 100.5 94.1 74.6 57.0
286.1 357.7 304.6 251.6 193.3
-725.7 -16.1 299.8 210.0 294.9

n.a. -4.6 1.1 0.0 -0.6
-17.0 n.a. n.a. n.a. n.a.
-456.6 337.0 605.5 461.6 487.6
n.a. 0.0 n.a. 0.2 0.3
286.1 357.7 304.6 251.4 193.0
50.0 55.0 46.4 n.a. n.a.


n.a. n.a. n.a. n.a. 21.0
24,865.3 24,460.1 20,883.5 17,199.2 14,185.0
840.3 505.9 421.7 365.0 263.2
24,025.0 23,954.2 20,461.8 16,834.2 13,942.8
24,865.3 24,460.1 20,883.5 17,199.2 14,206.0
553.1 152.3 103.9 89.2 92.0
1,176.0 1,225.3 2,029.9 924.8 1,495.9

371.1 n.a. n.a. n.a. n.a.
63.9 74.2 167.0 51.4 39.1
244.8 21.5 22.7 107.9 68.5
4,045.7 5,155.0 3,718.5 3,188.8 2,436.6
n.a. n.a. n.a. n.a. 7.9
163.1 175.3 184.4 166.2 116.9
4,888.6 5,426.0 4,092.6 3,514.3 2,669.0
1,029.0 1,012.6 937.9 1,063.6 905.6
129.7 129.9 109.6 111.9 116.3
n.a. n.a. 0.7 0.5 7.7
30,219.3 30,735.4 26,694.6 21,385.7 18,231.7
509.5 686.0 387.8 446.0 435.1

272.0 60.4 n.a. n.a. n.a.
750.3 732.4 714.4 701.6 686.7
47.7 49.6 52.7 54.0 0.8
2.3 3.5 3.4 4.5 4.6
42.7 7.2 4.9 0.4 0.5
244.7 274.2 250.5 292.9 319.7
67.2 296.4 159.4 128.8 77.3
32,155.7 32,845.1 28,267.7 23,013.9 19,756.4
3,775.3 3,940.2 3,763.2 3,639.4 12,641.6

4,448.8 4,810.6 4,963.6 4,754.4 n.a.
7,387.2 5,949.5 4,899.1 4,083.9 n.a.
15,611.3 14,700.3 13,625.9 12,477.7 12,641.6
145.4 249.6 220.2 267.0 270.8
2,435.2 2,545.5 n.a. n.a. n.a.
1,198.1 1,437.6 3,302.0 2,429.4 909.3
19,390.0 18,933.0 17,148.1 15,174.1 13,821.7
1,498.7 1,325.7 6,094.7 3,595.0 2,295.0

237.2 321.8 420.6 505.7 445.2
7,213.9 7,140.0 n.a. n.a. n.a.
8,949.8 8,787.5 6,515.3 4,100.7 2,740.2
22.9 374.4 113.5 15.1 8.4
n.a. 0.0 0.0 0.0 0.0
28,362.7 28,094.9 23,776.9 19,289.9 16,570.3
n.a. 0.0 0.0 0.0 0.0

314.6 454.9 440.5 470.1 498.7
20.9 51.3 47.8 62.9 40.3
159.1 454.4 458.3 423.8 329.9
8.7 0.0 0.0 0.0 0.0
565.8 573.6 621.7 417.7 393.2
29,431.8 29,629.1 25,345.2 20,664.4 17,832.4
0.0 0.0 n.a. n.a. n.a.
0.0 0.0 0.0 0.0 0.0
2,657.8 2,431.4 2,115.4 1,842.8 1,627.5

0.0 0.1 1.9 2.5 2.1
62.9 788.6 804.7 504.9 294.9
-12.5 n.a. n.a. n.a. n.a.
15.7 -4.1 0.5 -0.7 -0.5
2,723.9 3,216.0 2,922.5 2,349.5 1,924.0

32,155.7 32,845.1 28,267.7 23,013.9 19,756.4
2,429.2 n.a. n.a. n.a. n.a.
2,429.2 n.a. n.a. n.a. n.a.
6.02 5.99 n.a. 4.43 n.a.

4.16 n.a. n.a. 1.98 n.a.
5.66 4.98 4.36 4.04 n.a.

3.61 2.91 1.94 1.41 n.a.
2.33 2.37 2.62 2.77 n.a.

1.48 2.07 2.23 2.22 n.a.
2.33 2.37 2.62 2.77 n.a.
17.99 20.54 20.81 23.51 19.16

55.19 49.61 50.03 52.48 57.33
1.48 1.40 1.55 1.76 n.a.
14.84 15.26 16.46 17.06 n.a.
1.36 1.54 1.67 1.71 n.a.
64.58 22.13 22.17 29.90 16.13
5.26 11.89 12.81 11.96 n.a.

0.48 1.20 1.30 1.20 n.a.
15.30 21.93 23.60 22.87 22.77
2.02 1.87 1.95 1.98 n.a.
0.72 1.46 1.52 1.39 n.a.
9.56 11.56 11.80 11.82 n.a.

0.88 1.17 1.19 1.18 n.a.
-15.25 10.89 23.46 21.69 n.a.
-1.40 1.10 2.37 2.17 n.a.
1.30 1.42 1.40 1.37 n.a.

-2.07 1.34 2.78 2.52 n.a.
11.04 n.a. n.a. n.a. n.a.

11.04 n.a. n.a. n.a. n.a.
7.62 8.88 9.36 8.82 8.23
10.23 8.44 8.20 8.46 n.a.
13.21 12.44 13.00 13.59 n.a.
8.47 9.79 10.34 10.21 9.74
17.48 15.38 15.23 n.a. n.a.
-10.95 16.32 7.66 n.a. n.a.

8.67 9.41 8.83 10.71 10.05
-2.10 16.19 22.83 16.49 n.a.

1.66 17.13 21.42 21.07 n.a.
2.22 0.62 0.50 0.52 0.65
3.38 2.07 2.02 2.12 1.85
151.93 332.17 405.87 409.19 286.09
-10.54 -11.00 -10.87 -11.74 -8.90
1.06 0.38 0.49 0.70 n.a.

0.51 0.03 0.11 0.05 n.a.
3.28 0.87 0.50 0.52 0.65
159.28 166.39 153.26 137.84 112.38

808.80 490.91 921.84 346.37 552.40
55.09 53.03 57.58 64.74 76.33
1,325.4 1,311.1 1,321.2 971.5 n.a.


4,700.4 4,702.3 4,242.8 3,536.6 n.a.
38,181.5 38,858.5 33,831.7 27,522.0 19,756.4
22,010.0 25,184.1 21,777.4 18,328.7 n.a.
22,010.0 25,184.1 21,777.4 18,328.7 n.a.
24,634.0 22,791.5 19,102.0 15,598.1 n.a.

30,630.5 28,912.9 23,911.3 19,724.4 n.a.
32,561.6 30,666.9 25,516.1 21,275.0 n.a.
28,244.7 25,890.0 21,428.5 17,777.8 n.a.
2,574.3 2,272.3 1,971.3 1,732.9 n.a.
2,994.0 3,093.7 2,581.5 2,128.6 n.a.
18,624.1 14,277.2 13,469.1 12,669.2 n.a.


n.a. 715.3 1,087.0 657.0 n.a.




237.2 321.8 420.6 505.7 445.2
286.1 357.7 304.6 251.6 193.3

286.1 n.a. n.a. n.a. n.a.
2,723.9 3,216.0 2,922.5 2,349.5 1,924.0

0.0 0.0 0.0 0.0 0.0

2,723.9 n.a. n.a. n.a. n.a.
2,723.9 3,216.0 2,922.5 2,349.5 1,924.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0

47.7 49.6 52.7 54.0 0.8
2.3 3.5 3.4 4.5 4.6
244.7 274.2 250.5 292.9 319.7
0.0 n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a. n.a.
2,429.2 n.a. n.a. n.a. n.a.

0.0 0.0 0.0 0.0 0.0
0.0 n.a. n.a. n.a. n.a.
2,429.2 n.a. n.a. n.a. n.a.
1,041.1 n.a. n.a. n.a. n.a.
1,482.3 1,364.8 n.a. 690.7 614.2

774.6 n.a. n.a. 251.4 201.4

61.9 71.0 161.2 44.6 34.6

2.0 3.2 5.8 6.8 4.5

63.9 74.2 167.0 51.4 39.1
1,400.3 1,329.2 305.0 270.6 262.2
1,029.0 999.9 934.8 1,063.6 905.6

1,616.4 2,825.9 2,478.7 1,787.8 1,236.3
n.a. n.a. n.a. 66.8 32.5
4,045.7 5,155.0 3,718.5 3,188.8 2,436.6

n.a. n.a. n.a. n.a. 7.9
1,029.0 999.9 934.8 1,063.6 905.6
1,618.4 2,829.1 2,484.5 1,861.4 1,273.3

125.5 5.8 20.9 8.5 n.a.
321.7 430.4 285.5 297.0 242.7

518.6 75.5 136.2 68.0 20.5



2,657.8 2,431.4 2,115.4 1,842.8 1,627.5

0.0 0.1 1.9 2.5 2.1
2,723.9 3,215.9 2,920.6 2,347.0 1,921.9
2,723.9 3,216.0 2,115.4 1,842.8 1,627.5
62.9 788.6 804.7 504.9 294.9
-17.0 n.a. n.a. n.a. n.a.
45.9 788.6 804.7 504.9 294.9
32.6 n.a. n.a. -0.1 0.1
78.5 788.6 804.7 504.8 295.0
78.5 788.6 804.7 504.8 295.0
0.0 0.0 0.0 0.0 0.0
2,723.9 3,216.0 2,922.5 2,349.5 1,924.0
n.a. 0.0 0.0 0.0 0.0

n.a. 55.0 46.4 n.a. n.a.
50.0 55.0 46.4 n.a. n.a.
244.7 274.2 250.5 292.9 319.7
2.3 n.a. n.a. n.a. n.a.

0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
2,268.8 2,125.8 1,786.6 1,551.5 n.a.

2,911.4 3,132.1 2,837.2 2,490.0 n.a.
10.23 8.44 8.20 8.46 n.a.
13.21 12.44 13.00 13.59 n.a.
22,010.0 25,184.1 21,777.4 18,328.7 n.a.


67.2 64.4 59.2 53.5 n.a.
4,888.6 5,426.0 4,092.6 3,514.3 2,669.0

4,888.6 5,426.0 4,092.6 3,514.3 2,669.0


n.a. 5,414 5,413 n.a. n.a.

n.a. 907 910 n.a. n.a.
10.23 8.44 8.20 8.46 n.a.
13.21 12.44 13.00 13.59 n.a.

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
3.38 2.07 2.02 2.12 1.85

36.38 12.72 14.83 19.85 9.17
151.93 332.17 405.87 409.19 286.09
2.22 0.62 0.50 0.52 0.65
0.51 0.03 0.11 0.05 n.a.
22.99 1.30 5.26 2.36 n.a.
20.31 4.74 3.56 3.80 4.78
10.23 8.44 8.20 8.46 n.a.

13.21 12.44 13.00 13.59 n.a.
8.47 9.79 10.34 10.21 9.74
11.34 13.43 14.28 13.96 13.80
14.05 16.99 17.04 15.48 13.92
9.33 10.97 11.73 11.66 11.07
9.21 10.77 11.83 12.41 11.99
12.33 14.77 16.34 16.96 16.99
15.27 18.69 19.50 18.82 17.14
10.14 12.07 13.41 14.16 13.63
8.01 9.10 12.58 17.71 18.79
2.34 2.39 2.61 2.76 2.76

2.20 2.25 2.45 2.56 2.55
0.65 0.70 0.76 0.90 0.71
2.28 1.69 1.91 2.26 2.04
0.57 1.26 1.29 1.19 1.21
0.31 -0.09 -0.11 -0.01 -0.24
0.88 1.17 1.19 1.18 0.98
9.63 11.65 11.56 11.78 10.05
17.48 15.38 15.23 n.a. n.a.
7.95 9.86 9.80 n.a. n.a.
53.58 20.49 21.93 28.46 5.48
51.97 47.56 48.25 50.82 55.51
1.37 1.55 1.66 1.70 1.45
59.95 43.84 921.84 346.37 552.40

74.72 72.93 72.39 73.15 70.57
123.90 126.52 119.32 110.94 100.88
85.42 86.25 87.61 89.62 86.47
10.94 10.49 15.07 9.37 14.25
7.54 7.15 11.07 7.57 12.22
Banco Pastor SA
15003 LA CORUNA BvD ID number ESA15000128

(since 24/07/2012)
Contact details
Cantón Pequeno, 1 Phone number +34 (91) 522 61 11

Fax number +34 (91) 523 44 43
15003 LA CORUNA
SPAIN
Bank History :
Established in 1776. On July 24, 2012, Banco Pastor SA was absorbed by Banco Popular Espanol SA.
(since 24/07/2012) Nickname PASTORCI
Name of the Auditor PricewaterhouseCoopers
Auditores S.L.

No of recorded 0
subsidiaries
Peer Group
Size 1,148
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 20,932.5 21,652.1 20,385.1 20,788.0
Gross Loans 21,650.1 22,401.5 21,179.8 21,262.0
Loans and Advances to Banks 320.0 847.6 1,633.0 752.7
Derivatives 294.9 257.4 211.7 167.9
Fixed Assets 138.8 153.8 169.6 377.0
Total Assets 30,375.9 31,134.7 32,325.2 27,121.3

Derivatives 228.3 145.8 164.0 165.5
Other Reserves 67.3 88.8 102.4 126.5
Equity 1,722.6 1,606.1 1,610.2 1,507.5
Notes
Liquid Assets (Memo) 951.4 1,823.2 5,421.8 2,664.9

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Statement
Overheads 391.8 391.6 380.1 371.9
Other -32.6 20.2 335.2 32.7
Tax 9.0 -12.4 25.5 57.2
Net Income 52.1 62.8 102.6 163.7
Dividend Paid 6.0 7.1 15.7 41.7

Tier 1 Ratio 10.82 10.63 10.55 7.46
Total Capital 2,033.2 2,133.3 2,332.8 2,086.1
Tier 1 Capital 1,975.4 1,957.1 1,974.2 1,473.7
Net-Charge Offs 148.3 264.9 n.a. n.a.

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 840.1 790.0 980.4 1,543.3

Gross Interest and Dividend Income 1,041.5 948.6 1,148.7 1,564.8

Statement

Operating Profit 86.5 29.8 -223.2 172.4

Other Non-operating Income and Expenses 4.3 49.3 0.7 n.a.
Pre-tax Profit 61.1 50.4 128.1 220.9
Tax expense 9.0 -12.4 25.5 57.2
Net Income 52.1 62.8 102.6 163.7
Change in Value of AFS Investments -6.1 -53.8 -100.8 -105.0

Memo: Profit Allocation to Non-controlling Interests 0.2 0.7 1.5 -0.4
Balance Sheet
Assets
Loans
Other Loans 21,650.1 22,401.5 21,179.8 21,262.0
Net Loans 20,932.5 21,652.1 20,385.1 20,788.0
Gross Loans 21,650.1 22,401.5 21,179.8 21,262.0
Reverse Repos and Cash Collateral 0.0 486.3 1,324.6 394.7
Trading Securities and at FV through Income 199.2 691.8 3,330.9 1,432.9
Derivatives 294.9 257.4 211.7 167.9
Other Securities 856.8 1,034.1 614.6 0.0
Non-earning Assets
Fixed Assets 138.8 153.8 169.6 377.0
Goodwill 37.5 33.9 2.6 2.6
Other Assets 410.7 440.4 503.5 544.4
Total Assets 30,375.9 31,134.7 32,325.2 27,121.3
Deposits from Banks 583.5 774.6 1,144.1 1,214.0
Repos and Cash Collateral 2,865.6 1,442.2 3,152.8 193.1
Funding
Senior Debt Maturing after 1 Year 2,146.3 2,280.6 1,339.0 946.7
Other Funding 7,464.9 5,632.6 6,465.3 5,076.3
Derivatives 228.3 145.8 164.0 165.5
Total Funding 27,911.2 28,599.3 29,443.9 24,216.4
Hybrid Capital
Debt
Equity
Equity
Common Equity 1,509.3 1,479.6 1,429.6 1,369.6
OCI
Total Equity 1,478.3 1,606.1 1,610.2 1,507.5
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Operating Profit/ Average Equity% 5.37 1.84 -14.47 11.13
Operating Profit/ Average Total Assets% 0.28 0.09 -0.76 0.63
Assets%
Operating Profit / Risk Weighted Assets% 0.47 0.16 -1.19 0.87
%
%
Net Income/ Av. Total Assets plus Av. Managed 0.16 0.18 0.32 n.a.
Securitized Assets%
%
Capitalization
Loan Quality
%
Net Charge-offs/ Average Gross Loans% 0.67 1.22 n.a. n.a.
Foreclosed Assets%
Funding
Reference Data
Managed Securitized Assets Reported Off-Balance 1,776.0 1,998.9 2,338.0 n.a.
Sheet
Guarantees 831.2 893.6 994.0 1,303.3

Acceptances and documentary credits reported off- 31.3 52.8 48.9 n.a.
balance sheet
Committed Credit Lines 1,738.7 2,456.9 2,777.7 n.a.
Other Contingent Liabilities 70.4 109.0 158.2 3,324.6
Average Loans 22,026.5 21,816.9 20,995.8 21,428.3
Average Assets 30,718.7 32,031.0 29,455.4 27,237.8
Average Managed Assets Securitized Assets (OBS) 1,887.5 2,168.5 2,338.0 n.a.
Average Equity 1,611.9 1,616.0 1,542.4 1,548.7
Maturities





Net Income 52.1 62.8 102.6 163.7
Add: Other Adjustments n.a. n.a. 0.0 n.a.
Equity 1,478.3 1,606.1 1,610.2 1,507.5
as Equity

interests)
on the B/S- CC only
Goodwill 37.5 33.9 2.6 2.6
securitizations
Total Interest Income on Loans 840.1 790.0 980.4 1,543.3

Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
AFS Assets - Debt Securities (where no issuer n.a. 1,630.7 2,012.9 n.a.
breakdown)
AFS Assets - Government n.a. 66.2 48.6 1,208.5
Total AFS Assets 2,542.1 1,749.8 2,704.5 1,600.9

Total HTM Debt Securities 2,079.1 2,031.7 755.0 196.5
Total Debt Securities - Government n.a. 66.2 48.6 1,405.0
Asset Quality Data

Net Charge-offs
Gross Charge-offs 148.3 n.a. n.a. n.a.
Net Charge-offs 148.3 264.9 n.a. n.a.
Reserves

Capital
Eligible Capital

dividends
Treasury Shares 18.8 n.a. n.a. n.a.
Valuation Reserves for AFS Securities in OCI Total -50.2 -44.1 9.7 110.5
Total Valuation Reserves in OCI -50.2 -44.1 9.7 110.5
Total OCI Reserves 211.5 -41.1 9.7 110.5
Total Other Equity Reserves 211.5 -41.1 9.7 110.5
Interests
absorbing
Other Non-loss Absorbing Items Reported in Equity 0.0 0.0 0.0 0.0
Dividend Declared after Year-End 0.0 0.0 0.0 0.0

Capital
Regulatory Capital

II
Capital
Cash collateral on securities borrowed 0.0 0.0 n.a. n.a.
Repurchase agreements included in customer 0.0 0.0 n.a. n.a.
deposits
Repurchase agreements included in deposits from 0.0 0.0 n.a. n.a.
banks
Cash collateral on securities lent 0.0 0.0 n.a. n.a.

Average Reverse repurchase agreements included in 13.8 41.3 n.a. n.a.
loans

Number of Branches 575 605 n.a. 665
Assets under Management 1,790.2 1,564.6 2,005.1 n.a.
Total Exposure to Central Bank 312.2 150.6 n.a. 310.2
Government 621.6 532.1 n.a. n.a.
Related Party Loans 45.2 52.2 n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans 0.67 1.21 n.a. n.a.
NCO / Net Inc Bef Ln Lss Prov 87.29 76.52 n.a. n.a.
Capital
Tier 1 Ratio 10.82 10.63 10.55 7.46
Equity / Net Loans 8.23 7.42 7.90 7.25
Operations
Pre-Tax Op Inc / Avg Assets 0.31 0.10 -0.70 0.72
Dividend Pay-Out 11.52 11.31 15.30 25.47
Liquidity
Interbank Ratio 9.28 38.24 38.00 53.49
This company has been delisted since 12/03/2012 (takeover by Banco Popular Espanol SA)
General information

Current market capitalisation (th USD): 1,388,810

ISIN number: Delisted
SEDOL number: Delisted
Ticker symbol: Delisted
Nominal value (USD): 0.47
Stock exchange(s) listed: Pink Sheets Grey Market

Boerse Berlin
Boerse Frankfurt
Mercado Continuo Español
XETRA
Market price - Year (USD) 2011
Market price - January 5.28

Market price - February n.a.
Market price - March n.a.
Market price - April n.a.
Market price - May n.a.
Market price - June n.a.
Market price - July n.a.
Market price - August n.a.
Market price - September n.a.
Market price - October n.a.
Market price - November n.a.
Market price - December n.a.
Current market price (USD)

Price trends (%)

Price trends - Quarter to date n.a.
Price trends - Previous quarter to date n.a.
Date News
1 12/03/2012 Banco Pastor has been delisted (deal no. 1601306996)
4 13/09/2011 Financiere Tesalia acquires Banco Pastor shares from Casa
Grande (deal no. 1601284521)
5 13/09/2011 Financiere Tesalia acquires Banco Pastor shares from Casa
Grande (deal no. 1601284517)
6 24/05/2011 Banco Pastor completes capital increase (deal no. 1601261225)
7 19/03/2011 Metrovacesa in debt-for-equity swap with six banks (deal no.

1601169886)
8 02/03/2011 Banco Pastor convertible bonds subscribed to in full (deal no.
1601251728)
9 18/01/2011 Banco Espirito Santo and Banco Pastor deny takeover rumours
(deal no. 1601239571)
10 23/12/2010 Espírito Santo completes acquisition of majority stake in Pastor
Vida (deal no. 1601208536)
11 25/10/2010 Grupo Tojeiro and the Xunta de Galicia acquire Reganosa stake
(deal no. 1601195543)
12 06/08/2010 Espírito Santo to acquire fund management business of Banco
Pastor (deal no. 1601208557)
13 06/08/2010 Tranquilidade acquires half of Pastor Vida (deal no. 1601255440)
14 03/07/2010 Caixanova to sell stake in Banco Pastor (deal no. 1601223691)
15 11/06/2010 Australia to take share of Spain’s Reganosa: report (deal no.

1601195543)
16 01/06/2010 EC approves CVC's acquisition of joint control of R Cable (deal
no. 1601176739)
17 06/04/2010 Banco Pastor looking to sell Las Dunas (deal no. 1601174366)
18 26/03/2010 Banco Pastor to hold rights issue (deal no. 1601172335)
19 15/02/2010 Banco Pator may acquire assets of Novacaixa Galicia and other
acquisitions (deal no. 1601160361)
20 31/12/2009 Nmas1 Eolia acquires solar energy plant (deal no. 1601148157)
21 08/09/2009 Banco Pastor sells Acción de Cobro (deal no. 1601111278)

23 20/04/2009 Sobrinos de Jose acquire a stake in Banco Pastor (deal no.
1601077299)
24 08/04/2009 Banco Pastor to acquire remaining stake in Gezar (deal no.
1601068190)
25 25/03/2009 Banco Pastor issues preferred shares (deal no. 1601063652)
26 13/03/2009 Banco Pastor planning to sell stake in its insurance operations
(deal no. 1601059994)
27 12/11/2008 Banco Pastor and Vilamar Gestión in talks: report (deal no.
1601029434)
28 12/11/2008 Banco Pastor to acquire remaining stake in Vilamar (deal no.
1601029434)
29 17/09/2008 Banco Popular 'may buy Pastor' (deal no. 1601016994)
30 16/09/2008 Banco Popular could acquire Banco Pastor (deal no.
1601016994)
31 28/08/2008 Mr Manuel Añón Rey could increase his stake in Banco Pastor
(deal no. 1601012929)
32 13/08/2008 Mr Manuel Añón Rey acquires minority stake in Banco Pastor
(deal no. 1601008999)
33 19/06/2008 Banco Pastor could increase its stake in Sidecu (deal no.
651379)
34 27/05/2008 Numaco acquires Arplamosa (deal no. 644943)
35 22/05/2008 Banco Pastor seeking insurance partner (deal no. 643803)
36 22/05/2008 Banco Pastor looking to sell a stake in Pastor Vida and Pastor
Seguros Generales (deal no. 643803)
37 19/05/2008 Mr José Alberto Barreras to increase its stake in Banco Pastor
(deal no. 642812)
38 25/04/2008 Mr Luis Portillo sells stake in Colonial to settle debt (deal no.
636776)
39 01/04/2008 Stock Uno acquires Diana Marketing Operacional (deal no.
625525)
40 14/03/2008 Banco Pastor's shares were sold (deal no. 626106)
41 11/02/2008 Caixa Galicia, Caixanova, Banco Pastor and Corporación
Interavante form joint venture (deal no. 617248)
42 19/01/2008 Mr José Alberto Barreras to increase his stake in Banco Pastor
(deal no. 611084)
43 16/01/2008 Banco Pastor sells stake in Union Fenosa (deal no. 609774)
44 27/08/2007 Fundación Pedro Barrié de la Maza increases stake in Banco
Pastor (deal no. 569989)
45 08/08/2007 Hullas del Coto Cortés takeover closes (deal no. 410365)
46 09/06/2007 Nozar and Banco Pastor form Gezar (deal no. 545300)
47 06/06/2007 Banco Pastor sells stake in Inveralia (deal no. 543776)
48 07/05/2007 Tremon's IPO cancelled (deal no. 536702)
49 28/04/2007 Banco Pastor acquires stake in Ronáutica Marinas Internacional
(deal no. 534661)
50 10/04/2007 Caixanova announces 5 per cent stake in Banco Pastor (deal no.
530934)
Source : Zephyr
This bank is inactive and therefore has no current shareholders.

Data on the previous shareholders is available. Go to the report sections Shareholders history (current, previous and
archived data) or Shareholders history (data at a closing date) to see this information.
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Watch
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
20,427.9 19,681.6 15,985.5 13,275.1

20,909.4 20,092.4 16,321.2 13,548.5
481.5 410.8 335.7 273.4
2,978.8 2,385.5 2,557.7 1,643.8
1,047.4 806.7 1,475.0 746.5
61.5 58.2 45.6 20.8
1,864.7 1,513.3 966.3 649.5
5.2 7.3 70.8 227.0
23,406.7 22,067.1 18,543.2 14,918.9
357.0 340.4 339.3 381.0
1,562.8 1,374.7 640.5 544.6
25,326.5 23,782.2 19,523.0 15,844.5
14,588.0 13,406.1 11,956.0 10,905.6

12,956.5 10,966.4 9,188.0 7,805.5
1,631.5 676.3 880.2 1,978.1
n.a. 1,763.4 1,887.8 1,122.0
8,098.8 7,884.0 5,473.1 3,308.8
210.8 153.3 33.2 22.6
n.a. 514.2 n.a. n.a.
7,888.0 7,216.5 5,439.9 3,286.2
918.2 681.1 505.6 402.0
n.a. n.a. n.a. n.a.
151.3 174.4 191.8 171.4
1,570.2 1,636.6 1,396.5 1,056.7
25,326.5 23,782.2 19,523.0 15,844.5
207.9 150.0 125.9 88.1

481.5 410.8 335.7 273.4
2,412.6 1,728.3 1,747.4 1,003.9
17.3 12.5 9.6 8.4
5,563.0 5,316.7 4,241.1 n.a.
n.a. n.a. n.a. n.a.

703.7 457.6 467.2 587.4

31/12/2007 31/12/2006 31/12/2005 31/12/2004
532.5 458.8 393.0 313.5
239.7 210.5 194.1 155.3
19.4 1.3 -0.1 3.6
-0.1 0.1 0.4 0.0
161.1 143.0 124.6 96.8

59.3 66.1 69.2 54.9
339.1 315.7 295.5 279.6
127.0 93.9 106.7 117.6
-11.0 -9.0 -0.7 14.3
295.1 250.7 184.2 85.9
86.3 88.8 55.8 23.5
208.8 161.9 128.4 62.4
763.7 644.6 560.1 447.8
39.3 32.0 23.7 13.5
11.67 12.31 13.28 13.46

7.18 7.26 7.74 6.92
2,415.0 2,215.2 1,992.1 1,753.4
1,484.9 1,306.6 1,162.0 901.5
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1,301.7 937.8 714.1 497.1

0.0 0.0 0.0 0.0
15.2 17.2 2.5 1.6
1,316.9 955.0 716.6 498.7
n.a. n.a. n.a. n.a.

784.4 496.2 323.6 185.2
784.4 496.2 323.6 185.2
532.5 458.8 393.0 313.5
19.4 1.3 -0.1 3.6

10.4 7.5 2.8 1.8
-0.1 0.1 0.4 0.0
8.5 6.2 4.3 3.8

161.1 143.0 124.6 96.8
31.9 27.7 35.1 28.3
231.2 185.8 167.1 134.3
221.8 203.8 186.3 170.5
117.3 111.9 109.2 109.1
339.1 315.7 295.5 279.6
8.5 24.7 27.0 21.0

433.1 353.6 291.6 189.2
127.0 93.9 106.7 117.6
n.a. n.a. n.a. n.a.
306.1 259.7 184.9 71.6
n.a. n.a. n.a. n.a.

1.6 2.6 14.8 28.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-12.6 -11.6 -15.5 -14.2
295.1 250.7 184.2 85.9
86.3 88.8 55.8 23.5
n.a. n.a. n.a. n.a.
208.8 161.9 128.4 62.4
49.0 156.3 8.8 1.4

n.a. n.a. n.a. n.a.
n.a. -7.6 10.1 -2.5
n.a. n.a. n.a. n.a.
257.8 310.6 147.3 61.3
6.7 5.8 3.8 3.4
202.1 156.1 124.6 59.0
39.3 32.0 23.7 13.5

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 6,395.4 5,505.7 n.a.
n.a. 13,436.9 10,624.0 n.a.
20,909.4 260.1 191.5 13,548.5
481.5 410.8 335.7 273.4
20,427.9 19,681.6 15,985.5 13,275.1
20,909.4 20,092.4 16,321.2 13,548.5
207.9 150.0 125.9 88.1
0.0 n.a. n.a. n.a.
1,047.4 806.7 1,475.0 746.5

n.a. n.a. n.a. n.a.
333.6 75.0 87.3 0.0
61.5 58.2 45.6 20.8
1,482.5 1,376.8 689.4 441.4
18.7 19.3 27.7 41.8
29.9 42.2 161.9 166.3
n.a. n.a. n.a. n.a.
1,926.2 1,571.5 1,011.9 670.3
1,018.6 957.5 643.9 350.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5.2 4.5 3.5 2.5
n.a. 2.8 67.3 224.5
23,406.7 22,067.1 18,543.2 14,918.9
1,031.6 846.6 185.1 257.4

n.a. n.a. n.a. n.a.
23.1 n.a. n.a. n.a.
357.0 340.4 339.3 381.0
2.6 0.0 0.4 0.8
14.7 12.5 9.2 7.6
15.6 12.5 23.9 43.9
156.2 157.4 175.3 160.4
n.a. n.a. n.a. n.a.
319.0 345.7 246.6 74.5
25,326.5 23,782.2 19,523.0 15,844.5
5,941.2 5,291.5 4,383.6 7,805.5

1,116.8 1,114.0 983.0 n.a.
5,898.5 4,560.9 3,821.4 n.a.
12,956.5 10,966.4 9,188.0 7,805.5
1,631.5 676.3 880.2 1,978.1
n.a. n.a. n.a. n.a.
n.a. 1,763.4 1,887.8 1,122.0
14,588.0 13,406.1 11,956.0 10,905.6
7,184.3 6,758.9 4,972.7 2,698.8

703.7 457.6 467.2 587.4
n.a. n.a. n.a. n.a.
7,888.0 7,216.5 5,439.9 3,286.2
210.8 153.3 33.2 22.6
n.a. 514.2 n.a. n.a.
22,686.8 21,290.1 17,429.1 14,214.4
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
151.3 174.4 191.8 171.4
1.4 7.8 0.9 6.2
158.4 136.3 66.3 67.8
n.a. n.a. n.a. n.a.
n.a. n.a. 27.4 0.0
130.0 124.9 126.6 119.6
628.4 412.1 284.4 208.4
23,756.3 22,145.6 18,126.5 14,787.8
n.a. n.a. n.a. n.a.
n.a. 253.9 253.8 0.0
1,278.2 1,121.2 1,014.7 948.3

76.5 94.8 110.2 109.5
215.5 166.5 10.2 1.4
n.a. n.a. n.a. n.a.
0.0 0.2 7.6 -2.5
1,570.2 1,382.7 1,142.7 1,056.7

25,326.5 23,782.2 19,523.0 15,844.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
6.34 5.18 4.73 n.a.

n.a. n.a. n.a. n.a.
5.73 4.65 4.19 n.a.

3.58 2.55 2.00 n.a.
2.32 2.24 2.30 n.a.

1.77 1.78 1.67 n.a.
2.32 2.24 2.30 n.a.

30.27 28.82 29.83 29.99
44.40 48.98 52.76 62.44
1.38 1.45 1.64 n.a.
29.37 27.97 26.41 n.a.
1.76 1.63 1.62 n.a.
29.32 26.56 36.59 62.16
20.76 20.54 16.75 n.a.

1.25 1.20 1.03 n.a.
29.24 35.42 30.29 27.36
2.09 n.a. n.a. n.a.
1.48 n.a. n.a. n.a.
14.16 12.81 11.63 n.a.

0.85 0.75 0.71 n.a.
17.48 24.57 13.34 n.a.
1.05 1.43 0.82 n.a.
n.a. n.a. n.a. n.a.
1.01 n.a. n.a. n.a.

1.25 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
5.55 5.21 4.95 5.66
7.18 7.26 7.74 6.92
11.67 12.31 13.28 13.46
n.a. n.a. n.a. n.a.
6.20 5.81 5.85 6.67
18.82 19.77 18.46 21.63
15.24 10.30 16.09 22.02
n.a. n.a. n.a. n.a.

10.79 9.39 9.16 4.63
6.49 21.82 23.22 n.a.

4.07 23.11 20.46 n.a.
0.99 0.75 0.77 0.65
2.30 2.04 2.06 2.02
231.60 273.87 266.64 310.33
-17.42 -18.86 -18.36 -17.54
0.62 0.52 0.71 n.a.

n.a. n.a. n.a. n.a.
1.10 0.75 0.77 0.65
161.38 183.22 177.64 173.58

64.20 119.28 167.58 37.74
57.65 51.88 52.82 55.00
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,616.7 1,504.4 1,198.3 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

3,946.3 3,812.3 3,042.8 n.a.
30,889.5 29,098.9 23,764.1 15,844.5
20,689.3 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
20,689.3 n.a. n.a. n.a.
20,544.7 18,096.1 15,090.6 n.a.

22,973.8 20,526.1 17,108.8 n.a.
24,564.6 21,717.0 18,034.4 n.a.
n.a. n.a. n.a. n.a.
21,907.0 19,477.0 16,177.7 n.a.
1,240.1 1,068.4 988.0 n.a.
1,474.6 1,264.2 1,104.0 n.a.
12,164.3 10,005.3 8,575.8 n.a.
4,159.5 3,613.1 n.a. n.a.

3,641.5 3,403.6 n.a. n.a.
3,234.0 2,677.2 n.a. n.a.
9,874.4 10,398.5 n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
710.2 619.8 1,311.1 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
9,076.6 8,011.9 n.a. n.a.

3,246.4 2,674.5 n.a. n.a.
633.5 280.0 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
703.7 457.6 467.2 587.4
n.a. n.a. n.a. n.a.
208.8 161.9 128.4 62.4

n.a. n.a. n.a. n.a.
208.8 n.a. n.a. n.a.
1,570.2 1,382.7 1,142.7 1,056.7

n.a. 253.9 253.8 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
1,570.2 1,382.7 1,142.7 1,056.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

2.6 0.0 0.4 0.8
14.7 12.5 9.2 7.6
156.2 140.2 175.3 160.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. 253.9 253.8 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,301.7 937.8 714.1 497.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
77.3 30.1 33.6 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5.6 8.5 1.1 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
82.9 38.6 34.7 0.0
n.a. n.a. n.a. n.a.
922.6 908.1 582.6 308.5

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
559.9 468.7 106.8 132.9
n.a. n.a. n.a. n.a.
1,482.5 1,376.8 689.4 441.4
n.a. n.a. n.a. n.a.
18.7 19.3 27.7 41.8

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
18.7 19.3 27.7 41.8
941.3 927.4 610.3 350.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
565.5 477.2 107.9 132.9
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
372.2 336.8 270.6 223.4

109.3 74.0 66.3 50.3
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
267.3 279.6 268.9 279.2
n.a. n.a. n.a. n.a.

1,010.9 841.6 745.8 669.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
76.5 94.8 110.2 109.5
1,493.7 1,287.9 1,032.5 947.2
1,570.2 1,121.2 1,014.7 948.3
215.5 166.5 10.2 1.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
215.5 166.5 10.2 1.4
n.a. 0.2 0.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
215.5 166.7 10.2 1.4
n.a. n.a. n.a. n.a.
215.5 166.7 10.2 1.4
n.a. 253.9 253.8 0.0
1,570.2 1,636.6 1,396.5 1,056.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

39.3 32.0 23.7 13.5
39.3 32.0 23.7 13.5
n.a. n.a. n.a. n.a.
156.2 140.2 175.3 160.4
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 253.9 253.8 0.0
n.a. 253.9 253.8 0.0
n.a. 253.9 253.8 0.0
1,484.9 1,306.6 1,162.0 901.5

2,415.0 2,215.2 1,992.1 1,753.4
7.18 7.26 7.74 6.92
11.67 12.31 13.28 13.46
20,689.3 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,926.2 1,571.5 1,011.9 670.3

n.a. n.a. n.a. n.a.
1,926.2 1,571.5 1,011.9 670.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
4,615 4,255 4,035 3,790

656 607 570 558
7.18 7.26 7.74 6.92
n.a. n.a. n.a. n.a.
11.67 12.31 13.28 13.46
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
898.1 727.9 86.6 158.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.30 2.05 2.06 2.02

23.85 20.47 27.15 37.51
231.60 273.87 266.64 310.33
0.99 0.75 0.77 0.65
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
13.24 9.17 9.02 8.34
n.a. n.a. n.a. n.a.
7.18 7.26 7.74 6.92

11.67 12.31 13.28 13.46
6.20 6.88 7.15 6.67
7.69 8.32 8.74 7.96
10.76 12.21 11.68 9.69
6.81 7.55 7.91 7.44
8.98 8.81 9.55 10.38
11.13 10.64 11.66 12.39
15.59 15.62 15.59 15.08
9.86 9.66 10.55 11.58
30.95 21.85 25.07 35.73
2.34 2.26 2.35 2.10

2.17 2.12 2.22 1.98
0.98 0.97 1.10 0.98
1.90 1.89 2.27 2.51
1.25 1.20 1.05 0.45
-0.40 -0.45 -0.32 -0.06
0.85 0.75 0.73 0.39
13.02 10.68 10.47 5.91
18.82 19.77 18.46 21.64
10.57 8.57 8.54 4.63
-5.27 -5.56 -0.55 22.92
43.91 47.17 50.33 59.64
1.76 1.63 1.65 1.19
64.20 119.28 167.58 37.74

80.66 82.76 81.88 83.78
140.03 146.81 133.70 121.73
92.93 94.48 94.24 97.42
16.54 12.89 14.62 9.21
10.98 8.30 10.30 7.37
revious and
Bilbao Bizkaia Kutxa, BBK
48001 BILBAO BvD ID number ESG48412720

Status Active
Contact details
GRAN VIA 30 Phone number +34 (94) 487 70 00

Fax number +34 (94) 487 72 08
48001 BILBAO Web Site Address www.bbk.es
SPAIN
Bank History :
Established in 1907.
Accounting Standards International Financial Nickname BBKCI

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 31,899.8 21,601.1 21,178.2 20,978.2
Gross Loans 33,853.6 22,230.5 21,728.7 21,453.9
Less: Reserves for Impaired Loans/ NPLs 1,953.8 629.4 550.5 475.7
Loans and Advances to Banks 533.0 289.0 669.6 1,106.5
Derivatives 598.9 300.0 223.3 136.8
Fixed Assets 758.7 451.9 458.9 482.3
Total Assets 42,569.9 29,111.5 29,806.4 29,666.8

Derivatives 128.2 121.3 184.3 69.8
Other Reserves 404.2 139.1 162.9 150.8
Equity 3,833.6 3,978.4 4,123.4 3,913.9
Notes
Loan Loss Reserves (Memo) 2,030.4 651.6 579.3 507.7
Liquid Assets (Memo) 1,150.2 602.1 1,629.5 1,620.5

Subordinated Debts (Memo) 434.7 533.2 1,001.4 1,002.3
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives -12.9 -35.6 12.6 -10.2
Statement
Overheads 558.6 338.4 344.8 342.6
Other -66.9 -124.5 -80.4 -32.2
Tax -13.9 -28.7 -18.0 -14.8
Net Income 226.2 262.4 292.7 341.7

Tier 1 Ratio 11.44 16.66 14.60 14.00
Total Capital 4,046.6 4,139.1 4,261.6 4,166.5
Tier 1 Capital 3,248.6 3,202.7 2,811.8 2,704.9
Net-Charge Offs 289.8 14.2 8.8 -1.1

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 985.5 507.8 818.3 1,130.2
Dividend Income 138.6 193.9 144.6 172.4
Gross Interest and Dividend Income 1,268.1 757.8 1,029.6 1,387.7
Interest Expense on Customer Deposits 516.7 n.a. n.a. n.a.

Net Gains (Losses) on Trading and Derivatives -12.9 -35.6 12.6 -10.2
Statement


Pre-tax Profit 212.3 233.7 274.7 326.9
Tax expense -13.9 -28.7 -18.0 -14.8
Net Income 226.2 262.4 292.7 341.7
Change in Value of AFS Investments -274.0 -376.6 63.4 -1,235.8

Currency Translation Differences 0.0 n.a. n.a. n.a.
Remaining OCI Gains/(losses) -32.7 64.7 -35.8 n.a.
Fitch Comprehensive Income -80.5 -49.5 320.3 -894.1
Balance Sheet
Assets
Loans
Other Loans 33,853.6 22,230.5 21,728.7 21,453.9
Less: Reserves for Impaired Loans/ NPLs 1,953.8 629.4 550.5 475.7
Net Loans 31,899.8 21,601.1 21,178.2 20,978.2
Gross Loans 33,853.6 22,230.5 21,728.7 21,453.9
Loans and Advances to Banks 533.0 289.0 669.6 1,106.5
Reverse Repos and Cash Collateral 0.0 0.0 0.0 0.0
Derivatives 598.9 300.0 223.3 136.8
Memo: Total Securities Pledged 944.5 1,453.2 1,247.4 1,726.1
Non-earning Assets
Fixed Assets 758.7 451.9 458.9 482.3
Goodwill 301.5 0.0 63.1 0.6
Other Assets 605.1 16.8 21.6 28.7
Total Assets 42,569.9 29,111.5 29,806.4 29,666.8
Deposits from Banks 1,709.0 708.8 326.9 440.5
Funding
Senior Debt Maturing after 1 Year 1,579.3 503.5 14.0 29.4
Subordinated Borrowing 434.7 533.2 1,001.4 1,002.3
Other Funding 8,762.1 4,438.0 3,813.2 2,721.0
Derivatives 128.2 121.3 184.3 69.8
Total Funding 37,149.9 24,188.8 24,603.2 24,626.8
Hybrid Capital
Debt
Equity
Equity
Common Equity 3,523.7 3,381.1 3,199.4 3,002.7
Securities Revaluation Reserves 273.9 581.7 962.3 861.1
Fixed Asset Revaluations and Other Accumulated 0.1 -15.8 -68.6 5.0
OCI
Total Equity 3,833.6 3,978.4 4,123.4 3,913.9
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Taxes/ Pre-tax Profit% -6.55 -12.28 -6.55 -4.53
Assets%
%
%
Securitized Assets%
Fitch Comprehensive Income/ Risk Weighted Assets -0.28 -0.26 1.67 -4.62
%
Capitalization
Cash Dividends Paid & Declared/ Net Income% 26.39 26.49 27.33 n.a.
Cash Dividend Paid & Declared/ Fitch -74.16 -140.40 24.98 n.a.
Cash Dividends & Share Repurchase/Net Income% n.a. 26.49 27.33 n.a.
Loan Quality
Growth of Total Assets% 46.23 -2.33 0.47 1.95
Impaired Loans less Reserves for Imp Loans/ Equity 28.17 -1.45 -0.12 -0.15
%
Net Charge-offs/ Average Gross Loans% 0.92 0.06 0.04 -0.01
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 1,533.6 1,339.0 1,229.8 1,370.3

balance sheet
Average Loans 31,467.4 22,055.5 21,779.4 20,629.1
Average Assets 40,456.0 29,326.6 29,824.5 29,222.8
Average Equity 3,961.0 4,030.9 3,982.7 4,297.7
Maturities






Total Subordinated Debt on Balance Sheet 434.7 533.2 1,001.4 1,002.3
Net Income 226.2 262.4 292.7 341.7
Equity 3,833.6 3,978.4 4,123.4 3,913.9
as Equity

interests)
the B/S- CC only
Goodwill 301.5 0.0 63.1 0.6
securitizations
Total Interest Income on Loans 985.5 507.8 818.3 1,130.2
Assets
Total Interest Expense on Customer Deposits 516.7 n.a. n.a. n.a.
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. 104.2 72.3 48.3
breakdown)
Income Statement
Statement
AFS Assets - Debt Securities (where no issuer n.a. n.a. n.a. 602.1
breakdown)
AFS Assets - Banks n.a. 84.3 36.6 n.a.
AFS Assets - Corporates n.a. -5.1 18.4 n.a.
AFS Assets - Structured n.a. 0.0 0.0 0.0
AFS Assets - Other n.a. 23.2 20.0 n.a.
Total AFS Assets 4,599.6 4,799.4 4,984.2 5,385.9

Total Debt Securities - Banks n.a. 84.3 36.6 n.a.
Total Debt Securities - Corporates n.a. -5.1 18.4 n.a.
Total Debt Securities - Structured n.a. 0.0 0.0 0.0
Asset Quality Data

Net Charge-offs
Gross Charge-offs 299.2 15.3 9.8 n.a.
Recoveries 9.4 1.1 1.0 1.1
Net Charge-offs 289.8 14.2 8.8 -1.1
Reserves
Individual/Specific Loan Impairment Reserves 1,569.5 355.7 282.4 189.0

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital n.a. n.a. n.a. 0.0

dividends
Valuation Reserves for AFS Securities in OCI Total 273.9 547.9 924.5 861.1
Valuation Reserves in OCI - Other 1.2 33.9 -30.8 5.0
Total Valuation Reserves in OCI 275.1 581.8 893.7 866.1
Total OCI Reserves 360.2 670.2 893.7 866.1
Total Other Equity Reserves 360.2 670.2 893.7 866.1
Interests
absorbing

Share Repurchase n.a. 0.0 0.0 0.0
Capital
Intangibles to be deducted from Core Capital n.a. 0.0 67.6 9.0
Regulatory Capital

II
Capital
Pledged Securities 944.5 1,453.2 1,247.4 1,726.1
Reverse repurchase agreements in assets - other 0.0 0.0 0.0 0.0
deposits
banks
Repurchase agreements included in liabilities - other n.a. 1,794.7 2,601.5 n.a.

Average Reverse repurchase agreements included in 0.0 0.0 0.0 0.0
loans

Deposits of Governments and Municipalities 1,223.6 1,655.5 1,539.0 1,857.2
Government 1,025.2 832.5 794.8 608.4
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans 1.03 0.07 0.04 -0.01
Unreserved Impaired Loans / Equity 26.17 n.a. n.a. n.a.
Capital
Tier 1 Ratio 11.44 16.66 14.60 14.00
Equity / Net Loans 12.02 18.42 19.47 18.66
Operations
Dividend Pay-Out 26.39 26.49 27.33 n.a.
Inc Net Of Dist / Avg Equity 4.26 4.76 5.29 n.a.
Liquidity
Interbank Ratio 17.65 11.54 22.87 26.98
Date News
1 06/10/2012 Trilantic and Investindustrial agree to acquire Euskaltel stake
(deal no. 1601334773)
2 12/03/2012 Minority shareholders still looking to sell Itinere stake (deal no.
1601350839)
3 19/12/2011 BBK, Caja Vital and Kutxa sells Servatas to Tecnitasa (deal no.
1601255907)
4 13/12/2011 Caja de Crédito de Los Ingenieros acquires a stake in Norbolsa
(deal no. 1601325064)
5 19/09/2011 BBK approves integration of assets in new entity with Kutxa and
Caja Vital (deal no. 1601286390)
6 11/08/2011 BBK and Caja Vital create new banking entity (deal no.
1601286391)
7 03/05/2011 ArcelorMittal buys stake in ACB (deal no. 1601268122)
8 29/03/2011 Basque government acquires Alokabide (deal no. 1601258711)
9 16/03/2011 Advent acquisition of Servatas from Basque savings banks fails

(deal no. 1601224180)
10 07/03/2011 BBVA acquires remaining stake in Iberdrola Servicios Financieros
(deal no. 1601254914)
11 04/03/2011 BBK and Ente Vasco de la Energía form natural gas logistics joint
12 04/03/2011 CNE approves sale of Bilbao Gas Hub stake (deal no.
1601253372)
13 03/01/2011 BBK to subscribe fully to capital increase in subsidiary (deal no.
1601236523)
14 01/01/2011 BBK completes acquisition of Cajasur (deal no. 1601190805)
16 25/03/2010 Repsol sells stake in CLH to BBK (deal no. 1601161169)

17 30/09/2009 Neinor issues new shares (deal no. 1601123214)
18 18/09/2009 Itinere takeover closed (deal no. 1601019921)
19 01/09/2009 BBK acquires a stake in Igualatorio Médico Quirúrgico SA de
Seguros - Igualmequisa's real estate developer (deal no.
1601108735)
20 28/07/2009 BBK may make new acquisitions (deal no. 1601099286)

21 01/06/2009 BBK could sell stake in Banco Guipuzcoano (deal no.
1601082408)
22 23/04/2009 BBK acquires stake in Fineco (deal no. 1601072650)
23 07/04/2009 BBK to sell its stake in Arcelor Mittal Sestao (deal no.
1601067797)
24 03/04/2009 Local government could acquire a stake in Zabalgarbi (deal no.
1601067002)
25 27/11/2008 BBK sells minority stake in Ibedrola (deal no. 1601033682)
26 14/11/2008 Itinere ‘is up for sale’ (deal no. 1601019921)
27 30/10/2008 BBK and Kutxa's to merge (deal no. 1601011683)
28 27/10/2008 Iberdrola sells minority stake in Torre Iberdrola (deal no.
1601026041)
29 02/07/2008 Ekarpen is created (deal no. 655470)
30 27/03/2008 BBK looking to invest in Mexico (deal no. 628985)
31 11/03/2008 Kutxa increases it stake in CAF (deal no. 624583)
32 04/01/2008 Cartera Social acquires minority stake in CAF (deal no. 607646)
33 22/12/2007 BBK acquires Neinor (deal no. 604519)

34 22/11/2007 BBK increases its stake in Ingeteam (deal no. 596411)
35 25/10/2007 Meadiapro acquires K-2000 (deal no. 587706)
36 10/10/2007 BBK, Caja Vital and Kutxa to complete merger within two
months (deal no. 583422)
37 05/07/2007 BBK discloses stake in Enagás (deal no. 553618)
38 27/06/2007 Bilbao Bizkaia Kutxa and GE Consumer Finance form a joint
venture company (deal no. 551307)
39 24/01/2007 Investors acquires shares in General de Alquiler de Maquinaria
(deal no. 478289)
40 13/12/2006 BBK and Gala Capital acquire stake in La Sexta (deal no.
499608)
41 12/12/2006 Bilbao Bizkaia Kutxa increases stake in Iberdrola (deal no.
483712)
42 20/09/2006 Cementos Lemona files intention to delist (deal no. 400605)
43 18/09/2006 BBK has taken a minority stake in Natracéutical (deal no.
477264)
44 13/06/2006 Bilbao Bizkaia Kutxa to acquire a stake in Mediaproducción (deal
no. 450617)
45 13/03/2006 Bilbao Bizkaia Kutxa announces Iberdrola stake (deal no.
426666)
46 06/02/2006 BBK sells CAF stake (deal no. 416690)
47 15/09/2005 BBK sells stake in CAF (deal no. 378021)
48 14/07/2005 BBK, Kutxa and Vital merger "unstoppable" (deal no. 360846)
49 07/06/2005 Banco Guipuzcoano raises capital (deal no. 313857)
50 01/06/2005 BBK has no plans to sell Banco Guipuzcoano stake (deal no.
348843)
Source : Zephyr
Boards & committees

1. Mr. Márcio Henrique Fernandes - President of the Board BoD IN
P061648523 (since 10/05/2010)
2. Mr. Jose Maria Iruarrizaga - Vice - president of the Board BoD IN
Artaraz (since 10/05/2010)
P042162580
Management & staff

1. Mr. Juan Maria Saenz De - General Manager SenMan IN
Buruaga Renobales (since 04/05/2012)
P039806908 - Advertising Director MarkAdv IN
(since 08/10/2009)
2. Mr. Ignacio Sanchez Asiain Sanz - General Manager SenMan IN
P042162535 (since 11/10/2011)
3. Mrs. Alicia Maria Vivanco - General Manager SenMan IN
Gonzalez (since 11/12/2009)
P042164387
4. Mrs. Nora Abasolo Aranguren - Administrator SenMan IN
P082779899 (since 12/03/1990)
5. Mr. Juan Jose Aburto Abadia - Administrator SenMan IN
P082779898 (since 05/03/1993)
6. Mr. Joseba Koldo Alzaga Muruaga - Administrator SenMan IN
(since 28/03/2010)
P042162563
7. Mr. Rafael Aranano Uria - Administrator SenMan IN
P082779895 (since 05/03/1993)
8. Mr. Iker Arrinda - Administrator SenMan IN
(since 06/02/2004)
P082779896 (since 06/02/2004)
9. Mr. Jose Miguel Artaraz Bernaola - Administrator SenMan IN
(since 05/03/1993)
P082779897
10. Mr. Iñaki Azkuna Urreta - Administrator SenMan IN
P042018058 (since 10/05/2010)
11. Mrs. Maite Barreno - Administrator SenMan IN
P082779904 (since 06/02/2004)
12. Mrs. Maria Paz Bengoa Conde - Administrator SenMan IN
P082779902 (since 08/07/1994)
13. Mr. Domingo Briongod Blanco - Administrator SenMan IN
P082779903 (since 05/03/1993)
14. Mr. Miguel Chamorro Telleria - Administrator SenMan IN
P082779900 (since 05/03/1993)
15. Mrs. Amaia Del Campo - Administrator SenMan IN
Berasategui (since 28/03/2010)
P042162561
16. Mr. Javier Desarria Landarte - Administrator SenMan IN
P042290571 (since 05/03/1993)
17. Mrs. Maria Teresa Echaniz - Administrator SenMan IN
Gabilondo (since 08/07/1994)
P082779901
18. Mr. Julen Eguiluz Olano - Administrator SenMan IN
P082779894 (since 28/03/2010)
19. Mr. Jose Ignacio Erdoiza - Administrator SenMan IN
Uribarrena (since 08/07/1994)
P082779892
20. Mr. Alaitz Etxeandia Arteaga - Administrator SenMan IN
P042162579 (since 28/03/2010)
21. Mr. Carlos Maria Gomez Bilbao - Administrator SenMan IN
P042162577 (since 14/04/2000)
22. Mrs. Sonia Gonzalez - Administrator SenMan IN
P098773817 (since 06/02/2004)
23. Mr. Angel Guerrero Cabazo - Administrator SenMan IN
P082779889 (since 05/03/1993)
24. Mr. Jose Alberto Gurtuba Y - Administrator SenMan IN
Arregui (since 12/03/1990)
P082779890
25. Miren Josune Iglesias - Administrator SenMan IN
Marinelarena (since 28/03/2010)
P065578988
26. Mr. Aitziber Irigoras Alberdi - Administrator SenMan IN
P042523193 (since 28/03/2010)
27. Mr. Javier Iturrate Ibarra - Administrator SenMan IN
P082779893 (since 05/03/1993)
28. Mr. Landa Zarraga Aitor - Administrator SenMan IN
P042162571 (since 28/03/2010)
29. Mr. Nekane Linaza Atutxa - Administrator SenMan IN
P082779906 (since 05/03/1993)
30. Mr. Angel Lobera Revilla - Administrator SenMan IN
P042162572 (since 28/03/2010)
31. Mr. Alberto Lozano Ibarra - Administrator SenMan IN
P082779919 (since 28/03/2010)
32. Mr. Antonio Lozano Jose - Administrator SenMan IN
P104264392 (since 06/02/2004)
33. Mr. Jose Luis Martinez Uriarte - Administrator SenMan IN
P098260003 (since 12/03/1990)
34. Mr. Josu Olazaran Sagarduy - Administrator SenMan IN
P042450193 (since 05/03/1993)
35. Mr. Fidel Orcajo Garcia - Administrator SenMan IN
P082779917 (since 05/03/1993)
36. Mr. Mikel Ortiz Arratia - Administrator SenMan IN
P082779918 (since 12/03/1990)
37. Mr. Zigor Pascual Zelaia - Administrator SenMan IN
P126088819 (since 15/03/2012)
38. Mr. Ainhoa Pielo Muguruza - Administrator SenMan IN
P082779920 (since 28/03/2010)
39. Mr. Jaime Pores Alonso - Administrator SenMan IN
P082779924 (since 12/03/1990)
40. Mr. Andres Ramirez Pecina - Administrator SenMan IN
P082779925 (since 05/03/1993)
41. Mr. Angel Ruedairiondo - Administrator SenMan IN
P098773822 (since 08/07/1994)
42. Mr. Carlos Ruiz - Administrator SenMan IN
P042399741 (since 06/02/2004)
43. Mr. Joseba Andres Salaberria - Administrator SenMan IN
Amesti (since 12/03/1990)
P082779923
44. Mr. Pedro Salcedo Picaza - Administrator SenMan IN
P082779909 (since 08/07/1994)
45. Mr. Ainara San Roman - Administrator SenMan IN
Bordegarai (since 10/11/2010)
P086841695
46. Txetxu San Roman Fernandez - Administrator SenMan IN
P082779922 (since 12/03/1990)
47. Mr. Alejandro Sota Aira - Administrator SenMan IN
P082779911 (since 05/03/1993)
48. Mr. Manuel Tejada Lambarri - Administrator SenMan IN
P042162551 (since 28/03/2010)
49. Mr. Carlos Totorica Izaguirre - Administrator SenMan IN
P042162553 (since 14/04/2000)
50. Mrs. Arantxa Urkariegui - Administrator SenMan IN
P082779907 (since 06/02/2004)
51. Mr. Jose Alberto Urtubai Arregui - Administrator SenMan IN
P082779914 (since 05/03/1993)
52. Mr. Miguel Angel Villanueva - Administrator SenMan IN
Eguia (since 30/07/1990)
P082779915
53. Mr. Roberto Zarate Amigorena - Administrator SenMan IN
P042911972 (since 28/03/2010)
54. Mr. Juan Luis Zuzaeta - Administrator SenMan IN
Arronategui (since 12/03/1990)
P082779913
55. Mr. Francisco Javier Garcia - Finance Director FinAcc IN
Lurueña (since 08/10/2009)
P042956420
56. Mr. Fernando Lopez De Eguilaz - Human Resources Director HR IN
P039815866 (since 08/10/2009)
57. Mrs. Ines Monguilot Lasso De La - Marketing Director MarkAdv IN
Vega (since 08/10/2009)
P042964935
58. Mr. Guillermo Ibanez Calle - Operations Director Oper IN
P039806907 (since 08/10/2009)
59. Mr. Carlos Martinez Rocandio - IT Director (since 08/10/2009) IT&IS IN
P042203630

Ownership Source

1. KUTXABANK SA ES 100.00 100.00 1 UO+ IP 09/2011 -

2. ARCA DU PAYS BASQUE SA FR 99.99 n.a. 1 UO+ IP 08/2012 ð
3. GESFINOR ADMINISTRACION SOCIEDAD ES 99.99 n.a. 1 UO+ IP 09/2011 ð
ANONIMA
4. KARTERA 2 SL ES 99.99 n.a. 1 UO+ IP 08/2012 ð
5. NEINOR SOCIEDAD ANONIMA ES 99.99 n.a. 1 UO+ IP 08/2012 ð
6. HARRI 1 SL ES 70.00 n.a. 1 UO IP 08/2012 ð
7. SOCIEDAD PROMOTORA BILBAO GAS HUB ES 66.66 n.a. 1 UO IP 09/2011 -
SOCIEDAD ANONIMA
8. FINECO SOCIEDAD DE VALORES SOCIEDAD ES 60.00 n.a. 1 UO IP 09/2011 ð
ANONIMA
9. GABINETE EGIA SA CORREDURIA DE ES 60.00 n.a. 1 UO IP 09/2011 ð
SEGUROS VINCULADA A BIHARKO VIDA Y
PENSIONES COMPAÑIA DE SEGUROS Y
REASEGUROS Y BIHARKO A
10. KARTERA I SOCIEDAD LIMITADA. ES MO n.a. 1 UO AR 12/2011 ø

11. BESAIDE SOCIEDAD CIVIL ES 50.00 n.a. 1 - IP 03/2012 ð
12. NORBOLSA SOCIEDAD DE VALORES ES - 50.00 1 - IP 09/2011 ð
SOCIEDAD ANONIMA
13. SERINOR SOCIEDAD CIVIL ES 44.30 n.a. 1 - IP 08/2012 ð
14. AHORRO CORPORACION ES 43.48 n.a. 1 UO IP 08/2012 ð
INFRAESTRUCTURAS 2 SCR SA DE
15. TALDE PROMOCION Y DESARROLLO, SC R, ES 37.67 n.a. 1 - IP 09/2011 ö

SA
16. EUSKALTEL SA ES 35.24 n.a. 1 UO IP 08/2012 ö
17. BASERRI SA ES 33.38 n.a. 1 - IP 08/2012 ð
18. TORRE IBERDROLA AGRUPACION DE ES - 33.00 1 - OS 10/2008 -
INTERES ECONOMICO
19. TALDE CAPITAL FONDO DE CAPITAL ES 28.96 n.a. 1 - IP 09/2011 ð
RIESGO DE REGIMEN SIMPLIFICADO.
20. ARECIBO SERVICIOS Y GESTIONES ES 28.72 n.a. 1 - IP 08/2012 ð
SOCIEDAD LIMITADA
21. TALDE GESTION SGECR SOCIEDAD ES 28.00 n.a. 1 - IP 08/2012 ø
ANONIMA
22. IKEI RESEARCH & CONSULTANCY, SA ES 25.24 n.a. 1 - IP 09/2011 ð
23. INGETEAM SA ES 24.41 n.a. 1 UO IP 08/2012 ð
24. ORUBIDE SA ES 21.75 n.a. 1 - IP 09/2011 ð
25. AUTOPISTAS DE BIZKAIA-BIZKAIKO ES 20.00 n.a. 1 - IP 09/2011 ð
AUTOPISTAK SA
26. SERVICIOS VIZCAINOS DE COBROS ES 20.00 n.a. 1 - IP 09/2011 ð
SOCIEDAD ANONIMA.
27. TUNELES DE ARTXANDA SOCIEDAD ES 20.00 n.a. 1 - IP 09/2011 ð
ANONIMA
28. CLINICA VICENTE SAN SEBASTIAN SA ES 18.39 n.a. 1 - IP 09/2011 ð
29. ONA ELECTROEROSION, SA ES 16.17 n.a. 1 - IP 09/2011 ð
30. ARCELORMITTAL SESTAO SOCIEDAD ES 10.00 n.a. 1 - IP 09/2011 ð
LIMITADA
31. SEED CAPITAL DE BIZKAIA, SOCIEDAD ES 10.00 n.a. 1 - IP 09/2011 ð
GESTORA DE ENTIDADES DE CAPITAL
RIESGO, SA
32. SEED CAPITAL BIZKAIA BI FCR DE ES 8.24 n.a. 1 - IP 03/2012 ø

33. IBERDROLA SA ES - 6.55 1 - RS 12/2010 ø
34. BODEGAS BILBAINAS SA ES 5.92 n.a. 1 - IP 09/2011 ð
35. DEOLEO, S.A. ES 5.76 n.a. 1 - IP 09/2011 -
36. NMAS1 EOLIA SGECR SA ES 5.30 n.a. 1 - IP 09/2011 ð
37. GENERAL DE ALQUILER DE MAQUINARIA ES 5.19 n.a. 1 - IP 08/2012 ð
SA
38. EURO 6000, SA ES 5.18 n.a. 1 - IP 08/2012 ð
39. IGUALATORIO MEDICO QUIRURGICO SA ES 5.00 n.a. 1 - OS 09/2009 -
DE SEGUROS - IGUALMEQUISA'S REAL
ESTATE DEVELOPER
40. ZABALGARBI, SA ES 5.00 n.a. 1 - IP 09/2011 ð

41. NATRACEUTICAL S.A. ES 4.59 n.a. 1 - IP 09/2011 ð
42. SOCIEDAD PROMOTORA BILBAO PLAZA ES 3.87 n.a. 1 - IP 09/2011 ð
FINANCIERA, SA
43. RED ELÉCTRICA CORPORACION, S.A. ES 2.96 n.a. 1 - IP 09/2011 ð
44. SOCIEDAD PARA LA TRANSFORMACION ES 0.74 n.a. 1 - IP 08/2012 ð
COMPETITIVA-ERALDAKETA
LEHIAKORRERAKO SOZIETATEA, SA
45. TUBACEX S.A. via its funds ES - 0.35 1 - FS 06/2012 ð

46. REALIA BUSINESS SA via its funds ES - 0.20 1 - FS 06/2012 ð
47. OBRASCON HUARTE LAIN S.A. via its funds ES - 0.18 1 - FS 06/2012 ö
48. TECNICAS REUNIDAS, S.A. via its funds ES - 0.11 1 - FS 06/2012 ð

49. BANCO BILBAO BIZKAIA KUTXA SA ES - n.a. 1 - OS 08/2011 -
50. BASKEPENSIONES ENTIDAD DE ES - n.a. 1 - IP 08/2012 ð
PREVISION SOCIAL VOLUNTARIA
51. EKARPEN SA ES - n.a. 1 - OS 07/2008 -
52. ELKARGI SOCIEDAD DE GARANTIA ES - n.a. 1 - IP 03/2012 ø
RECIPROCA
53. FUNDACION DEL MUSEO GUGGENHEIM ES - n.a. 1 - IP 08/2012 ð
BILBAO
54. GESFIR SERVICIOS DE BACK OFFICE SL ES - n.a. 1 - IP 08/2012 ð
55. IDEALISTA LIBERTAD Y CONTROL, SA ES - n.a. 1 - IP 08/2012 ð
56. INVERSIONES SOCIAL DOCENTE DEL ES - n.a. 1 - IP 08/2012 ð
57. LAZORA, SA ES - n.a. 1 - IP 03/2012 -
58. MASTERCAJAS SA ES - n.a. 1 - IP 03/2012 ø
59. OINARRI, SOCIEDAD DE GARANTIA PARA ES - n.a. 1 - IP 03/2012 ø
LA ECONOMIA SOCIAL, SG R
60. SOCIEDAD ESPAÑOLA DE SISTEMAS DE ES - n.a. 1 - IP 03/2012 ø
PAGO, SA
61. SOCIEDAD PROMOTORA BILBAO GAS HUB ES - n.a. 1 - OS 03/2011 -
SL
62. VIACAJAS, SA ES - n.a. 1 - IP 09/2011 ð
70 00
72 08
nager for more
nager for more
Watch
IFRS IFRS IFRS IFRS

Unqualified Unqualified Unqualified Not Audited
31/12/2007 31/12/2006 31/12/2005 31/12/2004
19,717.5 17,081.0 13,575.2 11,176.8

20,055.0 17,361.4 13,798.3 11,354.2
337.5 280.4 223.1 177.4
8,012.1 6,927.0 5,271.3 5,143.0
834.2 1,084.2 648.1 259.3
41.6 59.4 79.6 53.6
7,130.1 5,777.8 4,539.5 4,826.3
6.2 5.6 4.1 3.8
27,729.6 24,008.0 18,846.5 16,319.8
538.1 496.8 469.5 453.8
831.6 469.5 725.8 455.2
29,099.3 24,974.3 20,041.8 17,228.8
19,100.9 17,140.3 14,317.7 12,831.4

13,409.6 11,688.7 10,106.3 9,340.4
522.5 193.0 528.5 75.1
5,168.8 5,258.6 3,682.9 3,415.9
3,760.9 3,037.2 1,804.2 1,014.9
108.7 37.8 5.5 14.9
0.0 0.0 0.0 0.0
3,652.2 2,999.4 1,798.7 1,000.0
1,225.8 942.1 716.5 579.4
n.a. n.a. n.a. n.a.
164.2 164.3 179.3 191.3
4,847.5 3,690.4 3,024.1 2,611.8
29,099.3 24,974.3 20,041.8 17,228.8
139.0 74.5 64.1 74.8
337.5 280.4 223.1 177.4
1,419.3 1,259.2 1,157.4 480.0
6.2 3.9 1.7 0.2
5,197.3 5,045.4 4,196.0 3,786.0
n.a. n.a. n.a. n.a.

1,002.2 999.4 498.7 0.0

31/12/2007 31/12/2006 31/12/2005 31/12/2004
488.3 392.1 350.6 313.2
244.0 223.6 173.2 160.8
-3.7 -1.6 -47.5 -49.5
n.a. n.a. n.a. n.a.
134.9 128.1 113.7 95.6

112.8 97.1 107.0 114.7
323.8 300.9 285.2 279.5
66.8 61.1 51.7 24.1
-31.7 3.6 16.2 -16.7
310.0 257.3 203.1 153.7
1.6 5.5 4.5 -0.5
308.4 251.8 198.6 154.2
680.6 569.1 470.1 444.5
82.2 66.0 55.1 52.5
19.18 20.33 18.21 15.45

11.89 12.79 15.75 15.20
4,055.7 3,646.8 2,435.5 1,707.2
2,515.1 2,293.8 2,106.4 1,679.6
0.9 1.7 n.a. 1.8
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
894.6 568.5 422.0 362.3
77.6 81.6 86.9 103.1
164.9 115.5 97.4 71.7
1,137.1 765.6 606.3 537.1
548.5 315.8 235.2 209.7

100.3 57.7 20.5 14.2
648.8 373.5 255.7 223.9
488.3 392.1 350.6 313.2
-3.7 -1.6 -47.5 -49.5

42.7 28.7 33.2 63.5
n.a. n.a. n.a. n.a.
n.a. 0.0 0.0 0.0

134.9 128.1 113.7 95.6
18.4 21.8 20.1 21.7
192.3 177.0 119.5 131.3
203.1 185.7 176.0 172.5
120.7 115.2 109.2 107.0
323.8 300.9 285.2 279.5
51.7 46.6 53.7 29.5

408.5 314.8 238.6 194.5
66.8 61.1 51.7 24.1
n.a. n.a. n.a. n.a.
341.7 253.7 186.9 170.4
n.a. n.a. n.a. n.a.

-2.6 1.3 11.2 1.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-29.1 2.3 5.0 -17.9
310.0 257.3 203.1 153.7
1.6 5.5 4.5 -0.5
n.a. n.a. n.a. n.a.
308.4 251.8 198.6 154.2
899.0 466.3 260.5 471.1

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,207.4 718.1 459.1 625.3
-1.1 -0.2 n.a. n.a.
309.5 252.0 198.6 154.2
82.2 66.0 55.1 52.5

n.a. n.a. n.a. n.a.
n.a. 10,127.8 8,444.0 6,755.2
n.a. n.a. n.a. n.a.
12,649.0 1,782.9 1,495.0 1,345.9
7,060.4 5,105.1 3,546.5 2,956.5
345.6 345.6 312.8 296.6
337.5 280.4 223.1 177.4
19,717.5 17,081.0 13,575.2 11,176.8
20,055.0 17,361.4 13,798.3 11,354.2
139.0 74.5 64.1 74.8
n.a. n.a. n.a. n.a.
834.2 1,084.2 648.1 259.3

0.0 n.a. n.a. n.a.
48.7 0.0 33.1 0.0
41.6 59.4 79.6 53.6
6,753.3 5,383.4 4,231.6 4,237.1
0.0 22.9 38.1 332.9
328.1 371.5 236.7 256.3
0.0 n.a. n.a. n.a.
7,171.7 5,837.2 4,619.1 4,879.9
1,456.0 1,470.9 1,906.0 2,664.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4.9 4.7 3.2 2.1
1.3 0.9 0.9 1.7
27,729.6 24,008.0 18,846.5 16,319.8
536.4 175.0 476.2 220.7

n.a. n.a. n.a. n.a.
15.7 n.a. n.a. n.a.
538.1 496.8 469.5 453.8
0.0 0.0 0.0 0.0
6.2 3.9 1.7 0.2
3.7 3.0 1.7 1.2
130.7 134.1 130.3 133.3
0.0 n.a. n.a. n.a.
138.9 153.5 115.9 99.8
29,099.3 24,974.3 20,041.8 17,228.8
4,077.8 3,914.9 3,119.7 2,597.4

3,608.6 3,813.5 3,454.4 3,239.9
5,723.2 3,960.3 3,532.2 3,503.1
13,409.6 11,688.7 10,106.3 9,340.4
522.5 193.0 528.5 75.1
n.a. n.a. n.a. n.a.
5,168.8 5,258.6 3,682.9 3,415.9
19,100.9 17,140.3 14,317.7 12,831.4
2,650.0 2,000.0 1,300.0 1,000.0
1,002.2 999.4 498.7 0.0
n.a. n.a. n.a. n.a.
3,652.2 2,999.4 1,798.7 1,000.0
108.7 37.8 5.5 14.9
0.0 0.0 0.0 0.0
22,861.8 20,177.5 16,121.9 13,846.3
0.0 0.0 0.0 0.0

n.a. n.a. n.a. n.a.
164.2 164.3 179.3 191.3
8.1 11.0 n.a. n.a.
843.7 613.5 392.7 264.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 0.0
374.0 317.6 323.8 315.2
24,251.8 21,283.9 17,017.7 14,617.0
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 0.0
2,728.3 2,491.5 2,291.6 2,150.9

22.3 1.0 0.9 0.9
2,096.9 1,197.9 731.6 471.1
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 -11.1
4,847.5 3,690.4 3,024.1 2,611.8

29,099.3 24,974.3 20,041.8 17,228.8
4,841.3 3,652.9 n.a. n.a.
4,841.3 3,652.9 n.a. n.a.
4.78 3.76 3.36 n.a.

4.37 2.66 2.42 n.a.
4.40 3.67 3.45 n.a.

3.01 2.13 1.71 n.a.
1.89 1.88 1.99 n.a.

1.63 1.59 1.70 n.a.
1.89 1.88 1.99 n.a.
28.25 31.10 25.42 29.54

47.58 52.87 60.67 62.88
1.20 1.37 1.53 n.a.
9.57 9.51 8.47 n.a.
1.51 1.44 1.28 n.a.
16.35 19.41 21.67 12.39
8.00 7.66 6.63 n.a.

1.26 1.16 1.00 n.a.
0.52 2.14 2.22 -0.33
1.93 1.76 1.78 1.75
1.62 1.41 1.39 1.53
7.22 7.60 7.05 n.a.

1.14 1.15 1.07 n.a.
28.28 21.68 16.29 n.a.
4.47 3.28 2.46 n.a.
n.a. n.a. n.a. n.a.
1.46 1.40 1.48 1.38

5.71 4.00 3.43 5.61
22.89 20.37 n.a. n.a.

22.89 20.37 n.a. n.a.
16.64 14.65 15.08 14.50
11.89 12.79 15.75 15.20
19.18 20.33 18.21 15.45
n.a. n.a. n.a. n.a.
16.66 14.78 15.09 15.16
26.65 26.21 27.74 34.05
6.81 9.19 12.00 8.40
n.a. n.a. n.a. n.a.

4.67 5.03 4.75 3.89
16.52 24.61 16.33 n.a.

15.51 25.82 21.53 n.a.
0.69 0.43 0.46 0.66
1.68 1.62 1.62 1.56
242.81 376.38 348.05 237.17
-4.09 -5.58 -5.26 -3.93
0.36 0.40 0.41 n.a.

0.00 0.01 n.a. n.a.
0.77 0.43 0.46 0.66
149.56 148.53 136.53 121.56

159.66 561.76 122.63 345.27
58.94 58.04 62.71 67.53
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,457.8 1,329.7 1,022.8 831.8

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

3,739.5 3,715.7 3,173.2 2,954.2
34,296.6 30,019.7 24,237.8 21,014.8
21,148.8 17,935.7 13,402.5 11,141.2
n.a. n.a. n.a. n.a.
21,148.8 17,935.7 13,402.5 11,141.2
18,708.2 15,104.5 12,576.3 n.a.

25,868.8 20,855.6 17,583.2 n.a.
27,036.8 21,894.8 18,635.3 n.a.
n.a. n.a. n.a. n.a.
21,519.7 17,543.4 14,984.1 n.a.
2,609.9 2,355.4 2,221.3 n.a.
4,269.0 3,311.6 2,818.0 n.a.
12,549.2 11,867.0 9,723.4 n.a.
n.a. n.a. 673.0 796.2

n.a. n.a. 1,381.9 887.8
n.a. n.a. 2,961.0 2,621.1
n.a. n.a. 8,782.4 7,049.1
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
630.0 904.0 648.1 259.3

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,002.2 999.4 498.7 0.0
n.a. n.a. n.a. n.a.
308.4 251.8 198.6 154.2

n.a. n.a. n.a. n.a.
308.4 n.a. n.a. n.a.
4,847.5 3,690.4 3,024.1 2,611.8

0.0 0.0 0.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
4,847.5 3,690.4 3,024.1 2,611.8
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0
6.2 3.9 1.7 0.2
0.0 33.6 0.0 133.3
0.0 0.0 n.a. n.a.
0.0 0.0 n.a. n.a.
4,841.3 3,652.9 n.a. n.a.

0.0 0.0 0.0 0.0
0.0 0.0 n.a. n.a.
4,841.3 3,652.9 n.a. n.a.
2,074.8 1,565.5 n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
894.6 568.5 422.0 362.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
548.5 315.8 235.2 209.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
48.7 0.0 33.1 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
48.7 0.0 33.1 0.0
27.2 39.0 47.0 118.9
1,456.0 1,448.0 1,867.9 2,331.4

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,270.1 3,896.4 2,316.7 1,786.8
n.a. n.a. n.a. n.a.
6,753.3 5,383.4 4,231.6 4,237.1
n.a. n.a. n.a. n.a.
n.a. 22.9 38.1 332.9

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 22.9 38.1 332.9
1,456.0 1,470.9 1,906.0 2,664.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,318.8 3,896.4 2,349.8 1,786.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
0.9 1.7 n.a. 1.8
282.5 251.0 192.3 157.6

53.4 28.5 30.7 19.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

2,728.3 2,491.5 2,291.6 2,150.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
22.3 1.0 0.9 0.9
4,825.2 3,689.4 3,023.2 2,610.9
4,847.5 2,491.5 2,291.6 2,150.9
2,096.9 1,197.9 731.6 471.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,096.9 1,197.9 731.6 471.1
n.a. n.a. n.a. -11.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,096.9 1,197.9 731.6 460.0
n.a. n.a. n.a. n.a.
2,096.9 1,197.9 731.6 460.0
0.0 0.0 0.0 0.0
4,847.5 3,690.4 3,024.1 2,611.8
0.0 0.0 0.0 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

82.2 66.0 55.1 52.5
82.2 66.0 55.1 52.5
n.a. n.a. n.a. n.a.
n.a. 33.6 0.0 133.3
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0
2,515.1 2,293.8 2,106.4 1,679.6

4,055.7 3,646.8 2,435.5 1,707.2
11.89 12.79 15.75 15.20
19.18 20.33 18.21 15.45
21,148.8 17,935.7 13,402.5 11,141.2
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7,171.7 5,837.2 4,619.1 4,879.9

n.a. n.a. n.a. n.a.
7,171.7 5,837.2 4,619.1 4,879.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
2,805 2,664 2,255 2,242

428 385 354 333
11.89 12.79 15.75 15.20
n.a. n.a. n.a. n.a.
19.18 20.33 18.21 15.45
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
428.6 75.7 376.2 97.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1.68 1.62 1.62 1.56

13.68 15.58 14.75 7.70
242.81 376.38 348.05 237.17
0.69 0.43 0.47 0.66
0.01 0.01 n.a. 0.02
0.24 0.54 n.a. 1.01
2.87 2.02 2.12 2.86
n.a. n.a. n.a. n.a.
11.89 12.79 15.75 15.20
19.18 20.33 18.21 15.45
16.66 14.78 15.09 15.16
24.59 21.61 22.28 23.37
25.38 21.53 21.12 20.36
20.85 18.19 18.31 17.87
20.10 18.78 17.58 15.16
29.67 27.46 25.95 23.37
30.63 27.36 24.61 20.36
25.16 23.12 21.33 17.87
17.13 21.31 14.16 0.00
1.89 1.83 1.99 1.92

1.81 1.74 1.88 1.82
0.90 0.99 0.93 0.93
1.45 1.61 1.81 1.76
1.26 1.13 1.00 0.99
-0.12 -0.01 0.06 -0.09
1.14 1.12 1.07 0.90
7.22 7.50 7.05 5.90
26.65 26.21 27.74 34.05
5.30 5.53 5.09 3.89
-10.28 1.43 8.16 -10.83
44.22 48.87 54.45 58.97
1.51 1.40 1.28 1.13
159.66 561.76 122.63 345.27

67.76 68.39 67.73 64.87
103.23 99.65 94.81 87.11
90.20 89.07 86.89 80.72
7.43 7.35 8.08 3.74
6.49 6.57 7.41 3.47
Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
- 1,885.0 6,259.0
ð n.a. 3.0
ð 3.0 16.0
ð 22.0 n.a.
ð 29.0 32.0
ð n.a. n.a.
- n.a. n.a.
ð n.a. n.a.
ð 3.0 10.0
ø n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ö - -
ö 455.0 400.0
ð n.a. n.a.
- 2.0 2.0
ð n.a. n.a.
ð 441.0 812.0
ø 4.0 15.0
ð 6.0 42.0
ð 514.0 22.0
ð 2.0 17.0
ð 17.0 132.0
ð 1.0 13.0
ð 6.0 42.0
ð 44.0 328.0
ð 19.0 100.0
ð 710.0 475.0
ð n.a. n.a.
ø n.a. n.a.
ø 41,791.0 31,885.0
ð 19.0 54.0
- 1,273.0 1,006.0
ð n.a. n.a.
ð 266.0 1,911.0
ð 8.0 25.0
- n.a. n.a.
ð 73.0 66.0
ð 39.0 126.0
ð <0,5 n.a.
ð 2,132.0 1,776.0
ð 48.0 71.0
ð 638.0 1,876.0
ð 304.0 158.0
ö 6,884.0 23,374.0
ð 3,385.0 6,033.0
- n.a. n.a.
ð n.a. n.a.
- n.a. n.a.
ø 12.0 82.0
ð - -
ð 6.0 25.0
ð 26.0 190.0
ð n.a. n.a.
- 38.0 n.a.
ø 13.0 n.a.
ø 2.0 16.0
ø 10.0 21.0
- n.a. n.a.
ð 7.0 8.0
Caja de Ahorros y Monte de Piedad de Gipuzkoa y San Sebastian-Kutxa
20004 SAN SEBASTIAN BvD ID number ESG20336251

Status Active
Contact details
Garibay Street, 15 Phone number +34 (943) 00 10 00

Fax number +34 (943) 22 40 03
20004 SAN SEBASTIAN Web Site Address www.kutxa.es
SPAIN
Bank History :
Established in 1896 as Caja de Ahorros Provincial de Guipuzcoa. In 1990, its name changed to Caja de Ahorros y Monte
de Piedad de Gipuzkoa y San Sebastian - Kutxa.
Accounting Standards International Financial Nickname GIPUZCI

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Unqualified Audit n.a. Unqualified Unqualified
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 15,449.9 15,682.6 15,719.5 16,061.6
Gross Loans 15,990.7 16,070.2 16,113.3 16,340.7
Derivatives 69.1 161.2 184.1 120.2
Fixed Assets 589.0 637.2 782.5 762.2
Total Assets 20,016.1 20,851.3 21,073.3 21,265.8

Other Deposits and Short-term Borrowings 29.0 723.6 843.1 0.0
Derivatives 78.7 74.7 59.9 60.9
Other Reserves 107.1 61.5 58.8 41.4
Equity 1,821.0 2,083.9 2,290.6 2,174.6
Notes
Impaired Loans (Memo) 999.1 862.3 755.3 338.5
Liquid Assets (Memo) 569.6 590.8 620.0 942.4

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Assets at FV through Income -27.5 -16.6 6.6 1.7
Statement
Overheads 307.9 325.7 296.3 301.2
Loan Loss Provisions 125.2 96.9 138.6 -32.1
Other 27.1 -80.3 -75.8 -107.2
Tax 0.9 -21.2 -38.3 -44.9
Net Income 10.4 25.5 50.3 111.3

Tier 1 Ratio 13.24 13.13 13.01 13.42
Total Capital 1,742.8 2,001.7 2,330.6 2,273.0
Tier 1 Capital 1,718.7 1,934.5 2,099.2 2,093.0
Net-Charge Offs 5.2 76.6 23.9 23.9

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 503.8 434.7 656.1 837.1
Other Interest Income n.a. 50.7 65.6 106.5
Gross Interest and Dividend Income 514.9 504.6 745.8 984.9

Net Gains (Losses) on Assets at FV through Income -27.5 -16.6 6.6 1.7
Statement
Equity-accounted Profit/ Loss - Operating 67.4 65.4 -1.7 3.6

Loan Impairment Charge 125.2 96.9 138.6 -32.1
Operating Profit -18.0 88.7 -2.4 74.8

Pre-tax Profit 11.3 4.3 12.0 66.4
Tax expense 0.9 -21.2 -38.3 -44.9
Net Income 10.4 25.5 50.3 111.3
Change in Value of AFS Investments n.a. -184.5 122.2 -410.8

Currency Translation Differences n.a. 0.2 5.3 -2.5
Remaining OCI Gains/(losses) n.a. -3.6 -0.2 3.4
Fitch Comprehensive Income 10.4 -162.4 177.6 -298.6
Balance Sheet
Assets
Loans
Other Loans 15,990.7 16,070.2 16,113.3 16,340.7
Net Loans 15,449.9 15,682.6 15,719.5 16,061.6
Gross Loans 15,990.7 16,070.2 16,113.3 16,340.7
Memo: Impaired Loans included above 999.1 862.3 755.3 338.5
Reverse Repos and Cash Collateral 0.0 70.1 0.0 n.a.
Derivatives 69.1 161.2 184.1 120.2
Available for Sale Securities 750.6 866.1 1,066.4 936.9
Memo: Government Securities included Above n.a. 854.6 1,028.2 913.7
Memo: Total Securities Pledged 687.9 484.2 794.0 830.7
Non-earning Assets
Fixed Assets 589.0 637.2 782.5 762.2
Goodwill 50.0 64.5 49.7 15.0
Other Assets 526.5 677.4 707.4 865.9
Total Assets 20,016.1 20,851.3 21,073.3 21,265.8
Customer Deposits - Savings 81.8 710.7 759.2 n.a.
Repos and Cash Collateral 708.6 865.3 1,147.0 776.0
Funding
Senior Debt Maturing after 1 Year 0.0 0.0 58.0 68.0
Other Funding 3,903.1 3,317.5 2,883.0 3,090.5
Derivatives 78.7 74.7 59.9 60.9
Total Funding 17,754.2 17,939.4 18,095.1 18,429.3
Hybrid Capital
Debt
Equity
Equity
Common Equity 1,990.0 2,187.2 2,206.5 2,221.6
Securities Revaluation Reserves -165.7 -105.3 82.3 -43.0
Foreign Exchange Revaluation Reserves 1.1 1.1 0.9 -4.4
Fixed Asset Revaluations and Other Accumulated -5.3 0.0 0.0 0.0
OCI
Total Equity 1,821.0 2,083.9 2,290.6 2,174.6
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Taxes/ Pre-tax Profit% 7.96 -493.02 -319.17 -67.62
Assets%
Fitch Comprehensive Income/ Average Total Equity 0.52 -7.47 7.90 -12.68
%
Fitch Comprehensive Income/ Average Total Assets 0.05 -0.77 0.83 -1.41
%
Securitized Assets%
Fitch Comprehensive Income/ Risk Weighted Assets 0.08 -1.10 1.10 -1.92
%
Capitalization
Cash Dividend Paid & Declared/ Fitch n.a. -15.39 16.84 -13.19
Cash Dividends & Share Repurchase/Net Income% n.a. 98.04 59.44 35.40
Loan Quality
%
Loan Impairment Charges/ Average Gross Loans% 0.78 0.60 0.86 -0.20
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 716.5 884.2 981.5 1,139.1

Acceptances and documentary credits reported off- n.a. 28.7 21.4 n.a.
balance sheet
Other Contingent Liabilities n.a. 104.3 101.3 2,410.0
Average Loans 15,952.1 16,194.4 16,080.8 15,922.6
Average Assets 20,540.9 21,079.6 21,269.8 21,240.4
Average Equity 1,998.8 2,173.4 2,247.9 2,355.4
Maturities
Loans & Advances < 3 months n.a. 1,529.7 1,222.2 1,341.5
Loans & Advances 3 - 12 Months n.a. 1,264.3 1,175.2 1,510.8
Loans and Advances 1 - 5 Years n.a. 3,916.3 4,737.0 4,027.3
Loans & Advances > 5 years n.a. 8,972.3 8,585.2 9,403.8

Interbank < 3 Months n.a. 118.8 43.8 328.1

Retail Deposits < 3 months n.a. 7,688.3 8,541.6 7,640.3

Retail Deposits 3 - 12 Months n.a. 3,082.0 3,515.0 5,088.0
Retail Deposits 1 - 5 Years n.a. 1,801.0 1,787.9 1,290.0
Retail Deposits > 5 Years n.a. 2,898.4 2,803.9 3,575.0

Interbank < 3 Months n.a. 796.2 912.8 296.5

Net Income 10.4 25.5 50.3 111.3
Equity 1,821.0 2,083.9 2,290.6 2,174.6
as Equity
Published Equity n.a. 2,083.9 2,290.6 2,174.6

interests)
the B/S- CC only
Goodwill 50.0 64.5 49.7 15.0
securitizations
Total Interest Income on Loans 503.8 434.7 656.1 837.1

Assets
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. 141.8 158.5 148.9
breakdown)
Income Statement
Statement
breakdown)
AFS Assets - Government n.a. 345.5 234.2 113.9
AFS Assets - Banks n.a. 152.3 116.9 n.a.
AFS Assets - Corporates n.a. 14.1 23.4 n.a.
Total AFS Assets 750.6 866.1 1,066.4 936.9

Total Debt Securities - Government n.a. 854.7 1,028.2 851.3
Total Debt Securities - Banks n.a. 152.3 116.9 n.a.
Total Debt Securities - Corporates n.a. 14.1 23.4 n.a.
Asset Quality Data

Net Charge-offs
Recoveries 8.6 4.4 3.2 n.a.
Net Charge-offs 5.2 76.6 23.9 23.9
Reserves

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital n.a. 180.3 180.3 180.3

Profit/Loss Reserve/Income for the period net of n.a. 25.1 50.1 110.7
dividends
Valuation Reserves for AFS Securities in OCI Total n.a. -105.3 79.2 -43.0
Valuation Reserves for FX in OCI n.a. 1.1 0.9 -4.4
Valuation Reserves in OCI - Other n.a. -0.4 3.2 3.4
Total Valuation Reserves in OCI n.a. -104.6 83.3 -44.0
Cash Flow Hedge Reserve n.a. n.a. n.a. -5.6
Other OCI Reserves n.a. 26.4 21.3 7.7
Total OCI Reserves n.a. -78.2 104.6 -41.9
Total Other Equity Reserves n.a. -78.2 104.6 -41.9
Interests
absorbing

Total Dividends Related to Period n.a. 25.0 n.a. n.a.
Share Repurchase 0.0 0.0 0.0 0.0
Capital
Intangibles to be deducted from Core Capital n.a. n.a. n.a. 27.1
Regulatory Capital

II
Capital
Pledged Securities 687.9 484.2 794.0 830.7
Reverse repurchase agreements included in loans 0.0 0.0 9.0 n.a.
Reverse repurchase agreements included in loans 0.0 0.0 0.0 n.a.
Reverse repurchase agreements in assets - other 0.0 70.1 0.0 n.a.
Cash collateral on securities borrowed 0.0 0.0 0.0 n.a.
Repurchase agreements included in customer 0.0 0.0 0.0 n.a.
deposits
Repurchase agreements included in deposits from 0.0 0.0 0.0 n.a.
banks
Cash collateral on securities lent 0.0 0.0 0.0 n.a.

Average Reverse repurchase agreements included in 1.8 4.5 9.0 n.a.
loans

Number of Branches n.a. 347 347 n.a.
Deposits of Governments and Municipalities n.a. 720.2 769.7 n.a.
Total Exposure to Central Bank n.a. 207.5 211.2 261.0
Government n.a. 469.8 427.0 n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Loan Loss Prov / Net Int Rev 55.03 32.46 42.39 -10.32
Capital
Tier 1 Ratio 13.24 13.13 13.01 13.42
Equity / Net Loans 11.79 13.29 14.57 13.54
Operations
Non Op Items & Taxes / Avg Ast 0.13 -0.28 -0.18 -0.30
Liquidity
Interbank Ratio 14.61 10.88 9.19 32.24
Date News
1 27/06/2012 Kutxabank Gestión acquires Kutxagest and Vitalgestión (deal no.
1601382006)
1601255907)
1601286391)
5 20/07/2011 Kutxa completes sale of Banco de Madrid to Banca Privada
D'Andorra (deal no. 1601168568)

(deal no. 1601224180)
8 27/01/2011 American Industrial Acquisition Corporation withdraws offer to
acquire Ramón Vizcaíno (deal no. 1601256840)
10 26/03/2010 Kutxa ups stake in CAF (deal no. 1601172326)

11 17/03/2010 Kutxa acquires CAF shares (deal no. 1601171877)
12 11/01/2010 Caja Kutxa acquires majority stake in Inversiones Zubiatzu (deal
no. 1601148995)
13 06/05/2009 Kutxa increases its stake in Zeltia (deal no. 1601075153)
14 10/01/2009 Kutxa could sell Banco Madrid (deal no. 1601041978)
15 30/10/2008 BBK and Kutxa's to merge (deal no. 1601011683)
17 01/04/2008 Kutxa acquires Compañía Promotora del Comercio y del Estrecho
(deal no. 629761)
18 13/03/2008 Kutxa acquires remaining stake in Valle Romano (deal no.
625360)
19 11/03/2008 Kutxa increases it stake in CAF (deal no. 624583)
20 18/02/2008 Kutxa increases its stake in Natra (deal no. 619487)
21 04/01/2008 Kutxa reduces its stake in Zeltia (deal no. 608034)
23 13/03/2007 SAR IMP is created (deal no. 653244)
24 09/06/2006 Kutxa increases stake in NH Hoteles (deal no. 449854)
25 14/07/2005 BBK, Kutxa and Vital merger "unstoppable" (deal no. 360846)
26 15/06/2005 Kutxa sells part of CAF stake (deal no. 353484)
27 28/02/2005 Talde Promoción y Desarrollo, BBK, Kutxa and Vital divest
Inmogroup stake (deal no. 322258)
28 23/11/2004 Caja de Ahorros de San Sebastian y Guipuzkoa - Kutxa has
taken a minority stake in Zeltia (deal no. 296416)
29 08/11/2004 Caja de Ahorros de San Sebastian y Guipuzkoa - Kutxa has
taken a minority stake in Zeltia (deal no. 291659)
30 29/10/2004 Euskaltel stake to be privatised (deal no. 281089)
31 27/10/2004 Kutxa to sell stake in Repsol (deal no. 292116)
32 27/10/2004 Kutxa sells stake in Repsol (deal no. 238029)
33 26/08/2003 Kutxa increases stake in CAF (deal no. 186355)
34 22/03/2003 Kutxa plans to sell Vodafone stake (deal no. 157533)
35 22/02/2003 Guipuzcoano proposes joint venture to BBK and Kutxa (deal no.
151913)
Source : Zephyr
Boards & committees

1. Mr. Xabier Gotzon Iturbe Otaegui - President, Board of Directors BoD VI
- President, CHARITY WORK OthBC VI
P042164687 COMMISSION BODY; President,
Executive Commission;
President, Investment
Commission
2. Mr. José Antonio Mutiloa Izagirre - 1st VICE PRESIDENT, Board of BoD VI
Directors
P042199246 - President, Salaries Commission OthBC VI
- 1st VICE PRESIDENT, OthBC VI
EXECUTIVE COMMISSION; 1st
VICE PRESIDENT, CHARITY
WORK COMMISSION
- Secretary (INVESTMENT OthBC VI
COMMISSION)
3. Mr. Iosu Mirena Ruiz Martin - 2nd VICE PRESIDENT, Board of BoD VI
- 2nd VICE PRESIDENT, OthBC VI
EXECUTIVE COMMISSION; 2nd
VICE PRESIDENT, CHARITY
WORK COMMISSION
4. Arrate Albizu Urteaga - Member, Board of Directors BoD VI
P128236983
5. Mr. Javier Arcelus Larreategui - Member, Board of Directors BoD VI
P042207908
6. Jesus Maria Arrizabalaga Joaristi - Member, Board of Directors BoD VI
P082785315
7. Ainhoa Beola Olaziregi - Member, Board of Directors BoD VI
P042214246
8. Aranzazu Gonzalez Garcia - Member, Board of Directors BoD VI
P082785314
9. Mrs. Lourdes Idoiaga Urkia - Member, Board of Directors BoD VI
P042315613
10. Mr. Gonzalo Iñarra Rodriguez - Member, Board of Directors BoD VI
P042416337
11. Mr. Jon Jauregui Bereziartua - Member, Board of Directors BoD VI
P039817559 - Secretary, Salaries Commission OthBC VI
12. Mike Llete Chinchurreta - Member, Board of Directors BoD VI
P128072324
13. Mr. Enrique Jose Ramos Vispo - Member, Board of Directors BoD VI
P042247201
14. Mr. Jon Redondo Lertxundi - Member, Board of Directors BoD VI
P057334523
15. Mr. Jose Luis Telleria - Member, Board of Directors BoD VI
Arizmendiarrieta
P039817565
16. Mr. Mikel Zabala Aregui - Member, Board of Directors BoD VI
P042444808
17. Mr. Iñigo Barandiaran Benito - Secretary, Board of Directors BoD VI
P042416338 - Secretary, CHARITY WORK OthBC VI
COMMISSION BODY
18. Isabel San Vicente Ribera - President, CONTROL OthBC VI
P128072325 COMMISSION
Management & staff
1. Mr. Fernando Martinez Jorcano - Managing Director SenMan VI
Eguiluz
P042168327
2. Mr. Carlos Tamayo Salaberria - Managing Director SenMan VI
P042133860

Ownership Source

1. AEDIS ES 100.00 100.00 1 UO+ RM 12/2010 -

2. BENALMAR SL ES 100.00 100.00 1 UO+ RM 12/2010 ñ
3. COMERCIALIZADORA INVERLUR SA ES 100.00 100.00 1 UO+ RM 12/2010 ð
4. COMPANIA DEL ESTRECHO S.L. ES 100.00 100.00 1 UO+ RM 12/2010 -
5. FUENGIMAR I S.L. ES 100.00 100.00 1 UO+ RM 12/2010 -
6. GOLFVALLE ROMANO ES 100.00 100.00 1 UO+ RM 12/2010 -
7. GSH. GRUPO SERV.HIPOT.ON-LINE E.F.C. ES 100.00 100.00 1 UO+ RM 12/2010 -
S.A.
8. INVERLUR GUADAIRA ES 100.00 100.00 1 UO+ RM 12/2010 ð
9. SENDOGI ES 100.00 100.00 1 UO+ RM 12/2010 ð
10. ASESORAMIENTO INMOBILIARIO KUTXA ES - 100.00 1 UO+ RM 12/2010 ð
SA
11. BANCO MADRID GESTION DE ACTIVOS ES - 100.00 1 UO+ RM 12/2010 ð
SGIIC SA.
12. CASA CLUB VALLE ROMANO GOLF & ES - 100.00 1 UO+ RM 12/2010 -
RESORT SL
13. COMPAÑIA PROMOTORA Y DE COMERCIO ES - 100.00 1 UO+ OS 04/2008 -
DEL ESTRECHO SL
14. GOILUR GUADAIRA I SL ES - 100.00 1 UO+ RM 12/2010 ð
15. GOILUR SERVICIOS INMOBILIARIOS I SL ES - 100.00 1 UO+ RM 12/2010 ð
16. INVERLUR 2002 SAU. ES - 100.00 1 UO+ RM 12/2010 ð
17. INVERLUR 3003 SL ES - 100.00 1 UO+ RM 12/2010 ð
18. INVERLUR 6006 SA ES - 100.00 1 UO+ RM 12/2010 ð
19. INVERLUR AGUILAS I SL ES - 100.00 1 UO+ RM 12/2010 ð
20. INVERLUR AGUILAS II SL ES - 100.00 1 UO+ RM 12/2010 ð
21. INVERLUR CAN BALASCH SL ES - 100.00 1 UO+ RM 12/2010 ð
22. INVERLUR CANTAMILANOS SL ES - 100.00 1 UO+ RM 12/2010 ð
23. INVERLUR DELTEBRE SL ES - 100.00 1 UO+ RM 12/2010 ð
24. INVERLUR ENCOMIENDA I SL ES - 100.00 1 UO+ RM 12/2010 ð
25. INVERLUR ENCOMIENDA II SL ES - 100.00 1 UO+ RM 12/2010 ð
26. INVERLUR ESTEMAR SL ES - 100.00 1 UO+ RM 12/2010 ð
27. INVERLUR GESTION INMOBILIARIA I SL ES - 100.00 1 UO+ RM 12/2010 ð
28. INVERLUR GESTION INMOBILIARIA II SL ES - 100.00 1 UO+ RM 12/2010 ð
29. INVERLUR GESTION INMOBILIARIA IV SL ES - 100.00 1 UO+ RM 12/2010 ð
30. INVERLUR LAS LOMAS SL ES - 100.00 1 UO+ RM 12/2010 ð

31. LURRALIA I SL ES - 100.00 1 UO+ RM 12/2010 ð
32. MIJASMAR I SERVICIOS INMOBILIARIOS ES - 100.00 1 UO+ RM 12/2010 ñ
SL
33. MIJASMAR II SERVICIOS INMOBILIARIOS ES - 100.00 1 UO+ RM 12/2010 ñ
SL
34. NYESA INVERSIONES SL ES - 100.00 1 UO+ RM 12/2010 ñ
35. PROMOCIONES COSTA ARGIA SL ES - 100.00 1 UO+ RM 12/2010 ö
36. SEALAND REAL ESTATE SA ES - 100.00 1 UO+ RM 12/2010 ñ
37. SEKILUR SA. ES - 100.00 1 UO+ RM 12/2010 ñ
38. YERECIAL SL ES - 100.00 1 UO+ RM 12/2010 ö
39. GRUPO DE SERVICIOS HIPOTECARIOS ON- ES 99.98 n.a. 1 UO+ IP 08/2012 ð
LINE EFC SA
40. ALQUILER DE TRENES AIE ES - 95.00 1 UO RM 12/2010 ð
41. ALQUILER DE METROS AIE ES - 75.00 1 UO RM 12/2010 ð
42. LOIZAGA II ES 73.00 n.a. 1 UO RM 12/2010 -
43. SERVICIOS INMOBILIARIOS LOIZAGA II ES 72.71 n.a. 1 UO IP 08/2012 ð
SL
44. INVERSIONES ZUBIATZU, SA ES 72.00 n.a. 1 UO OS 01/2010 -
45. VIAJES GANTOUR SA ES 70.00 n.a. 1 UO IP 09/2011 ð
46. ZIHURKO SOCIEDAD DE CORREDURIA DE ES 70.00 n.a. 1 UO IP 09/2011 ð
REASEGUROS SA Y A B
47. KUFINEX SL ES 60.00 n.a. 1 UO RM 12/2010 -

48. ALTUN BERRI SL ES 50.00 n.a. 1 - IP 08/2012 ð
49. SERVIMATICA SOCIEDAD DE SERVICIOS ES 49.00 n.a. 1 - IP 03/2012 ö
INFORMATICOS S.A.
50. OBAREMA DOS S.L. ES 42.10 n.a. 1 - IP 09/2011 ð
51. OBAREMA UNO S.L. ES 42.00 n.a. 1 - IP 03/2012 ø
52. NORBOLSA SOCIEDAD DE VALORES ES 37.00 n.a. 1 - IP 09/2011 ð
SOCIEDAD ANONIMA
55. RESIDENCIAL IPAR MADRID, SOCIEDAD ES 30.00 n.a. 1 - IP 09/2011 ð
ANONIMA
56. CONSTRUCCIONES Y AUXILIAR DE ES - 19.06 1 - SE 01/2012 ø
FERROCARRILES, S.A. - CAF
58. TALDE PROMOCION Y DESARROLLO, SC R, ES 8.81 n.a. 1 - IP 09/2011 ø
SA
59. MISTRAL BIOCOMBUSTIBLES DE ES 8.49 n.a. 1 - IP 08/2012 ö
INVERSIONES SCR, SA
60. NH HOTELES S.A. ES - 6.25 1 - SE 06/2011 ö
61. NATRA S.A. ES - 6.09 1 - RS 12/2010 ø
62. LICO CORPORACION SA ES 3.79 n.a. 1 - RS 12/2010 ö
63. EURO 6000, SA ES 3.52 n.a. 1 - IP 03/2012 ö
64. ZELTIA S.A. ES - 3.00 1 - RS 12/2010 ð
FINANCIERA, SA
67. ELKARGI SOCIEDAD DE GARANTIA ES 0.45 n.a. 1 - IP 09/2011 ø

RECIPROCA
70. GESFIR SERVICIOS DE BACK OFFICE SL ES - n.a. 1 - IP 08/2012 ð
71. GRV GRUPO VIZCAINO DE EMPRESAS ES - n.a. 1 - IP 09/2011 -
INDUSTRIALES Y DE SERVICIOS SL
72. IBERMATICA, SA ES - n.a. 1 - IP 08/2012 ø
76. VIACAJAS, SA ES - n.a. 1 - IP 09/2011 ð
10 00
40 03
horros y Monte
nager for more
nager for more
Watch
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
15,379.7 13,405.0 10,818.9 8,879.4

15,727.4 13,621.4 11,006.4 8,879.4
347.7 216.4 187.5 n.a.
3,959.2 4,049.0 3,701.3 2,736.5
924.6 1,437.4 1,557.7 1,378.7
111.9 105.2 101.0 75.5
2,848.4 2,502.3 2,038.8 1,268.3
74.3 4.1 3.8 14.0
19,338.9 17,454.0 14,520.2 11,615.9
714.2 725.3 591.9 427.3
792.0 783.6 444.2 366.3
20,845.1 18,962.9 15,556.3 12,409.5
13,776.8 13,534.2 11,702.7 9,890.2

12,262.0 11,769.6 9,878.2 9,717.3
593.2 524.6 273.9 172.9
921.6 1,240.0 1,550.6 n.a.
3,738.6 2,077.2 1,014.4 26.8
172.6 77.2 14.4 26.8
n.a. n.a. n.a. n.a.
3,566.0 2,000.0 1,000.0 n.a.
699.8 875.8 608.6 436.8
n.a. n.a. n.a. n.a.
43.3 58.1 35.0 24.0
2,586.6 2,417.6 2,195.6 2,031.7
20,845.1 18,962.9 15,556.3 12,409.5
102.9 68.6 49.2 n.a.

347.7 216.4 187.5 n.a.
1,226.4 1,849.7 1,952.2 1,565.6
24.8 21.7 14.1 13.8
3,886.2 3,973.4 3,534.3 n.a.
0.0 n.a. n.a. n.a.

0.0 n.a. n.a. n.a.

31/12/2007 31/12/2006 31/12/2005 31/12/2004
332.3 361.0 225.8 206.7
161.5 239.6 149.3 209.8
3.8 4.4 2.5 2.8
-10.2 1.6 -1.6 n.a.
109.5 98.4 93.3 83.6

58.4 135.2 55.1 123.4
283.2 315.4 228.7 226.6
103.7 55.0 37.3 27.6
95.8 -39.7 106.7 21.8
202.7 190.5 215.8 184.1
-14.5 -3.6 39.8 24.6
217.2 194.1 176.0 159.5
488.0 503.1 354.6 399.8
n.a. n.a. n.a. n.a.
17.45 16.96 17.17 n.a.

14.72 n.a. n.a. n.a.
2,427.6 n.a. n.a. n.a.
2,047.9 n.a. n.a. n.a.
2.6 n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
692.9 n.a. n.a. n.a.
114.3 588.8 391.6 331.7
42.0 62.8 15.7 22.8
849.2 651.6 407.3 354.5
484.6 n.a. n.a. n.a.

32.3 290.6 181.5 147.8
516.9 290.6 181.5 147.8
332.3 361.0 225.8 206.7
3.8 4.4 2.5 2.8

36.9 13.8 18.6 61.3
-10.2 1.6 -1.6 n.a.
n.a. n.a. n.a. n.a.

109.5 98.4 93.3 83.6
15.7 23.9 16.0 45.4
155.7 142.1 128.8 193.1
168.8 155.8 135.5 127.4
114.4 159.6 93.2 99.2
283.2 315.4 228.7 226.6
5.8 97.5 20.5 16.7

210.6 285.2 146.4 189.9
103.7 55.0 37.3 27.6
n.a. n.a. n.a. n.a.
106.9 230.2 109.1 162.3
0.0 n.a. n.a. n.a.

171.0 42.0 122.0 22.9
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
-75.2 -81.7 -15.3 -1.1
202.7 190.5 215.8 184.1
-14.5 -3.6 39.8 24.6
0.0 n.a. n.a. n.a.
217.2 194.1 176.0 159.5
-9.0 78.7 18.3 279.8

n.a. n.a. n.a. n.a.
-0.1 -1.8 n.a. n.a.
n.a. n.a. n.a. n.a.
208.1 271.0 194.3 439.3
-0.4 n.a. -0.1 1.9
217.6 194.1 176.1 157.6
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 8,879.4
n.a. n.a. n.a. n.a.
15,727.4 13,621.4 11,006.4 0.0
347.7 216.4 187.5 n.a.
15,379.7 13,405.0 10,818.9 8,879.4
15,727.4 13,621.4 11,006.4 8,879.4
102.9 68.6 49.2 n.a.
n.a. n.a. n.a. n.a.
924.6 1,437.4 1,557.7 1,378.7

n.a. n.a. n.a. n.a.
30.8 201.4 247.2 n.a.
111.9 105.2 101.0 75.5
1,562.6 1,245.7 1,147.4 1,068.4
805.4 810.9 497.3 46.7
258.9 244.3 146.9 153.2
190.7 n.a. n.a. n.a.
2,960.3 2,607.5 2,139.8 1,343.8
929.4 919.0 660.3 n.a.
n.a. n.a. n.a. n.a.
74.3 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 4.1 3.8 14.0
19,338.9 17,454.0 14,520.2 11,615.9
271.0 210.9 147.3 186.9

n.a. n.a. n.a. n.a.
261.0 n.a. n.a. n.a.
714.2 725.3 591.9 427.3
0.2 0.2 0.2 0.2
24.6 21.5 13.9 13.6
92.9 76.9 25.9 19.1
86.2 78.9 39.7 43.5
n.a. n.a. n.a. n.a.
56.1 395.2 217.2 103.0
20,845.1 18,962.9 15,556.3 12,409.5
12,262.0 5,729.8 4,664.6 9,717.3

n.a. 81.0 76.6 n.a.
n.a. 5,958.8 5,137.0 n.a.
12,262.0 11,769.6 9,878.2 9,717.3
593.2 524.6 273.9 172.9
n.a. n.a. n.a. n.a.
921.6 1,240.0 1,550.6 n.a.
13,776.8 13,534.2 11,702.7 9,890.2
87.0 2,000.0 1,000.0 n.a.

0.0 n.a. n.a. n.a.
3,479.0 n.a. n.a. n.a.
3,566.0 2,000.0 1,000.0 n.a.
172.6 77.2 14.4 26.8
n.a. n.a. n.a. n.a.
17,515.4 15,611.4 12,717.1 9,917.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
43.3 58.1 35.0 24.0
29.8 28.9 46.7 34.5
159.7 204.9 171.3 168.2
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
510.3 642.0 390.6 234.1
18,258.5 16,545.3 13,360.7 10,377.8
0.0 n.a. n.a. n.a.
0.0 0.0 0.0 0.0
2,222.4 2,049.2 1,896.5 1,748.9

0.4 0.3 1.0 3.0
358.5 376.8 298.1 279.8
n.a. n.a. n.a. n.a.
5.3 -8.7 0.0 0.0
2,586.6 2,417.6 2,195.6 2,031.7

20,845.1 18,962.9 15,556.3 12,409.5
2,475.6 n.a. n.a. n.a.
2,475.6 n.a. n.a. n.a.
4.72 n.a. n.a. n.a.

4.03 n.a. n.a. n.a.
4.62 4.08 3.12 n.a.

3.12 2.05 1.60 n.a.
1.81 2.26 1.73 n.a.

1.24 1.91 1.44 n.a.
1.81 2.26 1.73 n.a.

31.91 28.24 36.32 48.30
58.03 62.69 64.50 56.68
1.42 1.83 1.64 n.a.
8.42 12.36 6.93 n.a.
1.06 1.65 1.05 n.a.
49.24 19.28 25.48 14.53
4.27 9.98 5.16 n.a.

0.54 1.33 0.78 n.a.
-7.15 -1.89 18.44 13.36
1.51 n.a. n.a. n.a.
0.77 n.a. n.a. n.a.
8.68 8.41 8.33 n.a.

1.09 1.12 1.26 n.a.
8.32 11.75 9.19 n.a.
1.05 1.57 1.39 n.a.
n.a. n.a. n.a. n.a.
1.56 n.a. n.a. n.a.

1.50 n.a. n.a. n.a.
17.79 n.a. n.a. n.a.

17.79 n.a. n.a. n.a.
12.30 12.39 14.04 15.98
14.72 n.a. n.a. n.a.
17.45 16.96 17.17 n.a.
14.72 n.a. n.a. n.a.
12.41 12.75 14.11 16.37
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

8.40 8.03 8.02 7.85
9.93 21.90 25.36 n.a.

15.46 23.76 23.95 n.a.
0.65 0.50 0.45 n.a.
2.21 1.59 1.70 n.a.
337.90 315.45 381.10 n.a.
-9.46 -6.11 -6.30 n.a.
0.71 0.45 0.38 n.a.

0.02 n.a. n.a. n.a.
2.28 0.50 0.45 n.a.
128.26 115.73 111.42 91.38

155.87 274.00 568.71 797.40
70.70 75.77 77.76 98.25
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,277.3 1,252.2 887.7 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

2,608.9 2,721.2 2,646.6 n.a.
24,731.3 22,936.3 19,090.6 12,409.5
13,914.6 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
13,914.6 n.a. n.a. n.a.
14,674.4 12,313.9 9,942.9 n.a.

18,396.5 15,987.1 13,068.1 n.a.
19,904.0 17,259.6 13,982.9 n.a.
n.a. n.a. n.a. n.a.
16,563.4 14,164.3 11,317.1 n.a.
2,135.8 1,972.9 1,822.7 n.a.
2,502.1 2,306.6 2,113.7 n.a.
12,015.8 10,823.9 9,797.8 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
263.8 204.7 142.4 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
217.2 194.1 176.0 159.5

n.a. n.a. n.a. n.a.
217.2 n.a. n.a. n.a.
2,586.6 2,417.6 2,195.6 2,031.7

0.0 0.0 0.0 0.0
n.a. n.a. n.a. n.a.

2,586.6 n.a. n.a. n.a.
2,586.6 2,417.6 2,195.6 2,031.7
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.

0.2 0.2 0.2 0.2
24.6 21.5 13.9 13.6
86.2 56.6 n.a. 43.5
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
2,475.6 n.a. n.a. n.a.

0.0 0.0 0.0 0.0
0.0 n.a. n.a. n.a.
2,475.6 n.a. n.a. n.a.
1,061.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
692.9 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
484.6 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
30.8 0.0 47.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
30.8 0.0 47.0 n.a.
4.6 6.0 66.0 189.2
124.0 108.1 163.0 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,434.0 1,131.6 918.4 879.2
n.a. n.a. n.a. n.a.
1,562.6 1,245.7 1,147.4 1,068.4
n.a. n.a. n.a. 46.7
805.4 810.9 497.3 n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
805.4 810.9 497.3 46.7
929.4 919.0 660.3 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,464.8 1,131.6 965.4 879.2
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
2.6 n.a. n.a. n.a.
221.6 184.5 152.3 n.a.

126.2 59.7 39.0 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
180.3 180.3 180.3 180.3
n.a. n.a. n.a. n.a.

2,042.1 1,868.9 1,716.2 1,568.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
0.4 0.3 1.0 3.0
2,586.2 2,417.3 2,194.6 2,028.7
2,222.4 2,049.2 1,896.5 1,748.9
367.8 376.8 298.1 279.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
367.8 376.8 298.1 279.8
-2.1 -6.9 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
365.7 369.9 298.1 279.8
n.a. n.a. n.a. n.a.
365.7 369.9 298.1 279.8
0.0 0.0 0.0 0.0
2,586.6 2,417.6 2,195.6 2,031.7
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 56.6 n.a. 43.5
n.a. n.a. n.a. n.a.

0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0
2,047.9 n.a. n.a. n.a.

2,427.6 n.a. n.a. n.a.
14.72 n.a. n.a. n.a.
17.45 16.96 17.17 n.a.
13,914.6 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,960.3 2,607.5 2,139.8 1,343.8

n.a. n.a. n.a. n.a.
2,960.3 2,607.5 2,139.8 1,343.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
14.72 n.a. n.a. n.a.
14.72 n.a. n.a. n.a.
17.45 16.96 17.17 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
191.3 131.1 69.7 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.21 1.59 1.70 n.a.

31.21 15.24 16.52 13.35
337.90 315.45 381.10 n.a.
0.65 0.50 0.45 n.a.
0.02 n.a. n.a. n.a.
0.81 n.a. n.a. n.a.
3.98 2.84 2.24 n.a.
n.a. n.a. n.a. n.a.
14.72 n.a. n.a. n.a.
17.45 16.96 17.17 n.a.
12.41 12.75 14.11 16.37
16.82 18.04 20.29 22.88
18.78 17.86 18.76 20.54
14.17 14.61 16.43 19.58
12.41 n.a. n.a. n.a.
16.82 n.a. n.a. n.a.
18.78 n.a. n.a. n.a.
14.17 n.a. n.a. n.a.
0.00 n.a. n.a. n.a.
1.81 2.26 1.73 1.78

1.67 2.09 1.62 1.67
0.81 1.39 1.07 1.69
1.94 2.15 1.90 2.05
0.54 1.33 0.78 1.31
0.55 -0.21 0.48 -0.02
1.09 1.13 1.26 1.29
8.68 8.42 8.33 7.85
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
44.11 -20.45 60.63 13.67
57.35 52.51 60.97 54.41
1.06 1.65 1.05 1.53
155.87 274.00 568.71 797.40

73.78 70.69 69.55 71.55
111.64 99.05 92.45 89.78
87.81 85.87 85.07 89.54
8.90 13.67 16.68 15.83
7.00 11.85 15.35 15.79
Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
- n.a. n.a.
ñ n.a. n.a.
ð n.a. n.a.
- n.a. n.a.
- n.a. n.a.
- n.a. n.a.
- n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð 6.0 5.0
ð n.a. n.a.
- n.a. n.a.
- 23.0 33.0
ð n.a. n.a.
ð <0,5 n.a.
ð 1.0 1.0
ð 1.0 n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð <0,5 n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð 2.0 n.a.
ð n.a. n.a.
ñ n.a. n.a.
ñ n.a. n.a.
ñ <0,5 n.a.
ö 1.0 n.a.
ñ <0,5 n.a.
ñ n.a. n.a.
ö 2.0 n.a.
ð n.a. n.a.
ð 18.0 n.a.
ð 1.0 n.a.
- n.a. n.a.
ð 24.0 n.a.
- n.a. n.a.
ð 11.0 7.0
ð 3.0 23.0
- n.a. n.a.
ð <0,5 1.0
ö 11.0 40.0
ð n.a. n.a.
ø n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð 7.0 2.0
ø 2,240.0 6,926.0
ð 2.0 17.0
ø - -
ö n.a. n.a.
ö 1,772.0 13,584.0
ø 465.0 1,263.0
ö 117.0 1,262.0
ö 8.0 25.0
ð 231.0 668.0
ð <0,5 n.a.
ð 48.0 71.0
ø 12.0 82.0
- n.a. n.a.
- n.a. n.a.
ð 6.0 25.0
- n.a. 400.0
ø 351.0 2,000.0
ð n.a. n.a.
ø 13.0 n.a.
ø 2.0 16.0
ð 7.0 8.0
Banco Grupo Cajatres SA-Caja 3
50009 ZARAGOZA BvD ID number ESA99298689

Status Active
Contact details
1 AVENIDA REYES CATOLICOS Phone number +34 97 6718500

Fax number +34 97 6718306
50009 ZARAGOZA Web Site Address www.caja3.es
SPAIN
Bank History :
On December 22,2010, Banco Grupo Cajatres SA was created by Caja de Ahorros de la Inmaculada de Aragon, Caja de
Ahorros y Monte de Piedad del Circulo Católico de Obreros de Burgos and Monte de Piedad y Caja General de Ahorros de
Badajoz.
Accounting Standards International Financial Nickname CTRESI
available

No of recorded 3
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Not Audited Qualified Audit n.a. Audit n.a.
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 13,217.9 13,506.8 14,380.9 14,825.2
Gross Loans 14,130.7 14,393.9 14,892.3 15,225.1
Derivatives 222.8 182.0 176.3 170.2
Fixed Assets 595.0 586.6 665.1 730.5
Total Assets 20,724.7 20,763.0 21,394.0 19,976.5

Deposits from Banks 1,031.8 486.0 560.2 182.2
Derivatives 79.3 81.1 115.7 43.0
Loan Loss Reserves n.a. n.a. 0.0 0.0
Other Reserves 72.8 108.2 110.0 93.6
Equity 1,204.9 1,236.3 1,663.9 1,657.7
Notes
Liquid Assets (Memo) 978.3 841.4 1,075.5 1,109.3
Hybrid Capital (Memo) n.a. n.a. 0.0 0.0

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Assets at FV through Income n.a. n.a. 0.8 -1.6
Statement
Remaining Operating Income 43.3 63.6 -33.0 -11.2
Overheads 292.5 283.3 274.5 291.0
Other -87.9 -70.1 -10.7 5.4
Tax 8.1 5.5 -5.0 20.6
Net Income 15.3 28.4 26.2 80.5

Tier 1 Ratio 9.18 8.64 9.14 8.85
Total Capital n.a. 1,553.7 2,022.3 2,072.1
Tier 1 Capital 1,149.0 1,163.9 1,369.8 1,346.6
Net-Charge Offs 45.0 141.3 9.1 6.6

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Gross Interest and Dividend Income 671.2 666.4 829.3 1,004.6

Net Gains (Losses) on Assets at FV through Income n.a. n.a. 0.8 -1.6
Statement
Net Insurance Income -16.9 -16.4 -18.4 -17.6
Equity-accounted Profit/ Loss - Operating 6.3 -1.3 -65.9 -26.5


Change in Fair Value of Own Debt n.a. n.a. 0.0 0.0
Other Non-operating Income and Expenses -24.3 -29.0 4.1 -26.1
Pre-tax Profit 23.4 33.9 33.1 121.2
Tax expense 8.1 5.5 -5.0 20.6
Profit/Loss from Discontinued Operations n.a. n.a. -11.9 -20.1
Net Income 15.3 28.4 26.2 80.5
Change in Value of AFS Investments n.a. n.a. 37.4 -97.1

Currency Translation Differences n.a. n.a. 0.0 0.0
Remaining OCI Gains/(losses) n.a. n.a. 0.0 0.0
Memo: Profit Allocation to Non-controlling Interests n.a. 0.0 n.a. n.a.
Balance Sheet
Assets
Loans
Residential Mortgage Loans n.a. n.a. 970.9 1,011.0
Other Mortgage Loans n.a. n.a. 0.0 0.0
Other Consumer/ Retail Loans n.a. n.a. 131.7 3,791.2
Corporate & Commercial Loans n.a. n.a. 2,514.2 7,442.3
Other Loans 14,130.7 14,393.9 11,275.5 2,980.6
Net Loans 13,217.9 13,506.8 14,380.9 14,825.2
Gross Loans 14,130.7 14,393.9 14,892.3 15,225.1
Derivatives 222.8 182.0 176.3 170.2
Held to Maturity Securities 32.8 n.a. 965.2 156.2
Other Securities 1,053.4 1,155.4 1,025.3 0.0
Memo: Government Securities included Above 478.1 n.a. 782.0 320.6
Non-earning Assets
Fixed Assets 595.0 586.6 665.1 730.5
Goodwill 9.1 9.1 12.0 17.9
Other Assets 101.8 101.5 136.7 72.1
Total Assets 20,724.7 20,763.0 21,394.0 19,976.5
Customer Deposits - Savings n.a. n.a. 1,804.3 1,683.2
Repos and Cash Collateral 470.9 318.0 n.a. n.a.
Funding
Other Funding n.a. n.a. 0.0 10.0
Derivatives 79.3 81.1 115.7 43.0
Total Funding 18,165.8 18,268.8 18,429.7 17,082.0
Credit impairment reserves n.a. n.a. 0.0 0.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 1,225.0 1,234.9 1,652.1 1,660.1
Securities Revaluation Reserves -10.9 n.a. 27.0 -10.4
Foreign Exchange Revaluation Reserves n.a. n.a. 0.5 0.0
Fixed Asset Revaluations and Other Accumulated -10.6 n.a. -18.6 6.0
OCI
Total Equity 1,204.9 1,236.3 1,663.9 1,657.7
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Taxes/ Pre-tax Profit% 34.62 16.22 -15.11 17.00
Assets%
%
%
Securitized Assets%
%
Capitalization
Loan Quality
%
Foreclosed Assets%
Funding
Reference Data
Sheet

balance sheet
Average Loans 14,288.2 14,636.3 15,058.7 14,754.8
Average Assets 20,636.5 21,041.9 20,685.3 19,546.1
Average Equity 1,230.5 1,543.9 1,660.8 1,691.9
Maturities





Net Income 15.3 28.4 26.2 80.5
Equity 1,204.9 1,236.3 1,663.9 1,657.7
as Equity

interests)
the B/S- CC only
Goodwill 9.1 9.1 12.0 17.9
securitizations

Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 3,272.1 3,261.6 2,308.6 2,384.4

Total HTM Debt Securities 32.8 n.a. 965.2 156.2
Asset Quality Data

Net Charge-offs
Gross Charge-offs n.a. 144.7 n.a. n.a.
Recoveries n.a. 3.4 n.a. n.a.
Net Charge-offs 45.0 141.3 9.1 6.6
Reserves
Collective/General Loan Impairment Reserves 33.0 83.9 n.a. n.a.
Individual/Specific Loan Impairment Reserves 879.8 803.2 n.a. n.a.

Capital
Eligible Capital

dividends
Valuation Reserves for AFS Securities in OCI Total n.a. n.a. n.a. n.a.
Total Valuation Reserves in OCI n.a. n.a. n.a. n.a.
Total OCI Reserves n.a. n.a. n.a. n.a.
Total Other Equity Reserves n.a. n.a. n.a. n.a.
Interests
Non-controlling Minority Interest - not loss- 0.0 0.0 n.a. n.a.
absorbing

Capital
Hybrid Capital Fitch Class E n.a. n.a. n.a. n.a.
Weighted Total of Fitch Hybrid Capital Classes n.a. n.a. n.a. n.a.
Regulatory Capital

II
Capital
deposits
banks

loans
Number of Employees n.a. 2,982 n.a. n.a.

Number of Branches n.a. 598 n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 9.18 8.64 9.14 8.85
Equity / Net Loans 9.12 9.15 11.57 11.18
Operations
Liquidity
Interbank Ratio 69.86 112.96 97.91 332.71
Date News
1601366478)
no. 1601315289)
Source : Zephyr
Boards & committees

1. Mr. Vicente Eduardo Ruiz De - President of the Board BoD IN
Mencia (since 12/04/2012)
P042169711
2. Mr. Francisco Manuel Garcia Peña - Vice - president of the Board BoD IN
(since 12/04/2012)
P042314160
3. Mr. Juan Maria Peman Gavin - Vice - president of the Board BoD IN
P020299936 (since 12/04/2012)
Management & staff

1. Mr. Luis Miguel Carrasco Miguel - General Manager SenMan IN
P065416568 (since 15/06/2012)
2. Mr. Rafael Alcazar Crevillen - Administrator SenMan IN
P039821391 (since 25/01/2011)
3. Mr. Alberto Astorga Gonzalez - Administrator SenMan IN
P042169498 (since 12/04/2012)
4. Mr. Luis Bausela Collantes - Administrator SenMan IN
P039826834 (since 25/01/2011)
5. Mr. Juan Antonio Garcia Toledo - Administrator SenMan IN
P042168018 (since 25/01/2011)
6. Mr. Manuel Muela Martin Buitrago - Administrator SenMan IN
(since 25/01/2011)
P042017508
7. Mr. Luis Antonio Oro Giral - Administrator SenMan IN
P082779534 (since 12/04/2012)
8. Mr. Santiago Ruiz Diez - Administrator SenMan IN
P119161855 (since 25/01/2011)
9. Mr. Miguel Ruiz Martinez - Administrator SenMan IN
P015169790 (since 12/04/2012)
10. Mr. Joaquin Vazquez Terry - Administrator SenMan IN
P042961670 (since 25/01/2011)


Ownership Source

1. BADAJOZ SIGLO XXI S.L. ES 100.00 100.00 1 UO+ IP 08/2012 -

2. CAI DIVISION DE SERVICIOS GENERALES ES 100.00 100.00 1 UO+ IP 08/2012 -
SOCIEDAD LIMITADA
3. CAI INMUEBLES SA ES 100.00 100.00 1 UO+ IP 08/2012 -
4. CAI MEDIACION DE SEGUROS SOCIEDAD ES 100.00 100.00 1 UO+ IP 08/2012 -
ANONIMA
5. CAI VIAJES SA ES 100.00 100.00 1 UO+ IP 08/2012 -
6. CAJA 3 BOLSA SOCIEDAD DE VALORES SA ES 100.00 100.00 1 UO+ IP 09/2011 -
7. CAJA INMACULADA GESTION ES 100.00 100.00 1 UO+ IP 08/2012 -

INMOBILIARIA SOCIEDAD ANONIMA
8. CARTERA DE INVERSIONES LUSITANIA SL ES 100.00 100.00 1 UO+ IP 08/2012 -
9. GENETICA EL BARDAL S.A. ES 100.00 100.00 1 UO+ IP 08/2012 -

10. INMOBILIARIA IMPULSO XXI SA ES 100.00 100.00 1 UO+ IP 08/2012 -
11. TECNOLOGIA INFORMATICA FINANCIERA ES 100.00 100.00 1 UO+ IP 08/2012 -
SA
12. VIVIENDAS CAJACIRCULO SA ES 100.00 100.00 1 UO+ IP 08/2012 -
13. IBERMATICA, SA ES 11.09 n.a. 1 - WW 06/2012 -
14. ASOCIACION TECNICA CAJAS DE ES - n.a. 1 - IP 08/2012 ð
AHORROS AIE
15. ECOCIUDAD ZARAGOZA SOCIEDAD ES - n.a. 1 - IP 08/2012 -
ANONIMA.
00
06
ragon, Caja de
l de Ahorros de
nager for more
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Watch
IFRS IFRS
Audit n.a. Audit n.a.
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
13,971.7 12,425.7
14,284.5 12,666.9
312.8 241.2
3,712.0 3,771.3
1,140.8 1,846.9
41.4 46.7
2,512.1 1,874.3
17.7 3.4
17,683.7 16,197.0
624.0 584.2
808.0 684.6
19,115.7 17,465.8
13,376.5 12,591.7
11,920.8 11,086.6
201.3 675.1
1,254.4 830.0
2,971.4 2,324.3
94.8 53.2
0.0 0.0
2,876.6 2,271.1
976.9 872.7
0.0 0.0
64.9 79.9
1,726.0 1,597.2
19,115.7 17,465.8
169.4 70.9
312.8 241.2
1,672.7 2,152.1
26.5 61.4
n.a. n.a.
0.0 0.0
439.1 316.5

Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
411.5 343.5
142.1 134.4
2.2 4.7
-0.5 0.4
80.6 76.3
59.8 53.0
286.0 269.7
65.7 43.6
7.8 22.9
209.7 187.5
43.3 44.1
166.4 143.4
526.7 458.7
n.a. n.a.
13.64 13.47
8.46 8.27
2,159.2 1,929.0
1,339.7 1,184.5
1.5 1.3
IFRS IFRS
Original Original
31/12/2007 31/12/2006
12 months 12 months
mil EUR mil EUR
739.7 518.9
61.2 56.1
16.6 18.4
817.5 593.4
372.6 246.3
33.4 3.6
406.0 249.9
411.5 343.5
2.2 4.7
10.9 13.4
-0.5 0.4
4.9 2.4
80.6 76.3
17.1 18.0
115.2 115.2
174.3 163.4
111.7 106.3
286.0 269.7
26.9 19.2
267.6 208.2
65.7 43.6
3.7 1.0
198.2 163.6
0.0 0.0
24.9 15.9
17.3 0.0
0.0 0.0
3.9 8.0
209.7 187.5
43.3 44.1
0.0 0.0
166.4 143.4
7.1 15.5
0.0 0.0
0.0 0.0
0.0 0.0
173.5 158.9
n.a. n.a.
166.4 143.4
n.a. n.a.
n.a. n.a.
1,012.8 927.1
0.0 0.0
3,711.2 3,859.2
6,615.1 5,228.5
2,945.4 2,652.1
312.8 241.2
13,971.7 12,425.7
14,284.5 12,666.9
169.4 70.9
n.a. n.a.
1,140.8 1,846.9
n.a. n.a.
45.2 51.3
41.4 46.7
2,132.2 1,643.5
141.7 70.3
193.0 109.2
0.0 0.0
2,553.5 1,921.0
497.1 455.8
n.a. n.a.
1.4 1.4
14.1 0.9
2.2 1.1
17,683.7 16,197.0
486.7 253.9
n.a. n.a.
3.3 1.0
624.0 584.2
12.3 47.7
14.2 13.7
7.4 10.7
97.8 86.1
0.0 0.0
186.3 271.5
19,115.7 17,465.8
3,982.7 4,120.3
1,682.7 1,724.4
6,255.4 5,241.9
11,920.8 11,086.6
201.3 675.1
n.a. n.a.
1,254.4 830.0
13,376.5 12,591.7
2,437.5 1,954.6
439.1 316.5
0.0 0.0
2,876.6 2,271.1
94.8 53.2
0.0 0.0
16,347.9 14,916.0
0.0 0.0
0.0 0.0
64.9 79.9
12.2 14.9
119.2 108.5
0.0 0.0
0.0 0.0
542.9 461.9
302.6 287.4
17,389.7 15,868.6
0.0 0.0
0.0 0.0
1,635.7 1,512.8
2.3 4.6
86.7 79.6
0.0 0.0
1.3 0.2
1,726.0 1,597.2
19,115.7 17,465.8
1,699.5 1,535.8
1,699.5 1,535.8
5.49 n.a.
3.24 n.a.
4.83 n.a.
2.60 n.a.
2.43 n.a.
2.04 n.a.
2.43 n.a.
21.87 25.11
54.30 58.80
1.56 n.a.
16.10 n.a.
1.46 n.a.
25.93 21.42
11.93 n.a.
1.08 n.a.
20.65 23.52
1.68 1.45
1.25 1.14
10.01 n.a.
0.91 n.a.
10.44 n.a.
0.95 n.a.
n.a. n.a.
1.05 1.00
1.09 1.11
10.70 10.73
10.70 10.73
8.90 8.82
8.46 8.27
13.64 13.47
n.a. n.a.
9.03 9.14
n.a. n.a.
n.a. n.a.
n.a. n.a.
9.64 8.98
9.45 n.a.
12.77 n.a.
1.19 0.56
2.19 1.90
184.65 340.20
-8.31 -10.66
0.49 n.a.
0.01 n.a.
1.21 0.57
119.83 114.25
566.72 273.57
73.34 74.59
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
19,115.7 17,465.8
15,882.3 14,315.4
n.a. n.a.
15,882.3 14,315.4
13,475.7 n.a.
16,940.4 n.a.
18,290.8 n.a.
n.a. n.a.
15,632.0 n.a.
1,574.3 n.a.
1,661.6 n.a.
11,503.7 n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
439.1 316.5
n.a. n.a.
166.4 143.4
n.a. n.a.
166.4 143.4
1,726.0 1,597.2
0.0 0.0
n.a. n.a.
n.a. n.a.
1,726.0 1,597.2
0.0 0.0
0.0 0.0
12.3 47.7
14.2 13.7
0.0 0.0
0.0 0.0
0.0 0.0
1,699.5 1,535.8
0.0 0.0
0.0 0.0
1,699.5 1,535.8
728.4 658.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
739.7 518.9
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
372.6 246.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,132.2 1,643.5
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
141.7 70.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
1.5 n.a.
0.0 n.a.
1.5 1.3
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2.3 4.6
1,723.7 1,592.6
1,726.0 1,597.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.0 0.0
1,726.0 1,597.2
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
0.0 0.0
1,339.7 1,184.5
2,159.2 1,929.0
8.46 8.27
13.64 13.47
15,882.3 14,315.4
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
2,553.5 1,921.0
n.a. n.a.
2,553.5 1,921.0
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
8.46 8.27
n.a. n.a.
13.64 13.47
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
n.a. n.a.
IFRS IFRS
31/12/2007 31/12/2006
2.19 1.90
15.97 12.69
184.65 340.20
1.19 0.56
0.01 0.01
0.65 0.70
9.82 4.44
n.a. n.a.
8.46 8.27
13.64 13.47
9.03 9.15
12.35 12.85
12.90 12.69
10.18 10.27
11.33 10.96
15.50 15.40
16.19 15.20
12.77 12.31
20.28 16.54
2.43 2.12
2.25 1.97
0.78 0.77
1.92 1.79
1.10 0.94
-0.19 -0.12
0.91 0.82
10.01 8.98
n.a. n.a.
n.a. n.a.
4.69 15.97
51.66 56.43
1.46 1.19
566.72 273.57
73.09 71.14
104.45 98.68
87.82 85.11
12.51 17.09
10.51 14.74
Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
- n.a. n.a.
- 1.0 2.0
- 2.0 4.0
- 9.0 11.0
- 3.0 13.0
- n.a. n.a.
- 1.0 7.0
- n.a. n.a.
- n.a. n.a.
- n.a. n.a.
- 1.0 8.0
- 2.0 3.0
- 351.0 2,000.0
ð 24.0 187.0
- 30.0 28.0
Banca March SA
7002 PALMA DE MALLORCA BvD ID number ESA07004021

Status Active
Contact details
AVENIDA ALEJANDRO ROSSELLO 8 Phone number +34 (971) 77 91 00

Fax number +34 (971) 77 92 44
7002 PALMA DE MALLORCA Web Site Address www.bancamarch.es
SPAIN
Bank History :
Established in April 1926.
Accounting Standards International Financial Nickname MARCHCI

No of recorded 4
subsidiaries
Peer Group

Size 1,148
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/200 31/12/2008
BALANCE SHEET
Assets
Loans 7,933.8 7,939.1 8,084.8 8,157.9
Gross Loans 8,210.4 8,195.8 8,319.8 8,351.1
Derivatives 264.1 125.4 115.5 60.5
Fixed Assets 308.8 322.0 332.6 344.3
Non-Earning Assets 567.0 460.7 473.9 447.8
Total Assets 13,204.2 12,775.7 12,531.7 12,281.3

Deposits from Banks 1,242.9 1,246.9 1,300.9 742.4
Other Deposits and Short-term Borrowings 492.3 456.2 734.2 1,160.2
Other interest bearing liabilities 431.4 375.3 474.7 1,519.4
Derivatives 110.1 23.2 29.9 54.1
Long term funding 321.3 352.1 444.8 1,465.3
Other Reserves 46.6 28.8 32.6 50.1
Equity 3,374.7 3,425.1 3,244.5 3,010.3
Notes

Subordinated Debts (Memo) n.a. n.a. 0.0 0.0
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/200 31/12/2008
Net Gains (Losses) on Trading and Derivatives -2.9 -0.8 26.5 3.1
Net Gains (Losses) on Assets at FV through Income n.a. n.a. 0.0 0.0
Statement
Overheads 219.1 188.9 184.8 182.1
Other 170.4 -9.8 305.8 -25.6
Tax 28.7 -40.2 6.9 14.8
Net Income 342.3 407.6 415.4 421.9

Tier 1 Ratio n.a. 22.40 19.75 17.10
Total Capital 2,568.8 2,117.1 1,875.6 1,596.4
Tier 1 Capital 3,234.7 2,117.1 1,875.6 1,596.4
Net-Charge Offs 79.1 38.4 107.6 4.7

31/12/2011 31/12/2010 31/12/200 31/12/2008
12 months 12 months 12 months 9 12 months
Income Statement

Net Gains (Losses) on Trading and Derivatives -2.9 -0.8 26.5 3.1
Statement
Net Insurance Income -0.2 0.7 0.8 2.7


Other Non-operating Income and Expenses n.a. n.a. -2.0 2.2
Pre-tax Profit 371.0 367.4 422.3 436.7
Tax expense 28.7 -40.2 6.9 14.8
Net Income 342.3 407.6 415.4 421.9
Change in Value of AFS Investments -0.3 3.4 -4.8 -11.2

Currency Translation Differences 0.1 0.0 0.1 n.a.
Remaining OCI Gains/(losses) -119.9 -15.7 -15.0 -84.8
Balance Sheet
Assets
Loans
Other Loans 8,210.4 8,195.8 8,319.8 8,351.1
Net Loans 7,933.8 7,939.1 8,084.8 8,157.9
Gross Loans 8,210.4 8,195.8 8,319.8 8,351.1
Memo: Loans at Fair Value included above n.a. n.a. 0.0 0.0
Reverse Repos and Cash Collateral n.a. 56.4 228.7 106.8
Derivatives 264.1 125.4 115.5 60.5
Available for Sale Securities 846.8 353.4 208.8 234.7
Memo: Government Securities included Above 24.7 39.0 29.6 61.0
Investments in Property n.a. n.a. 0.0 0.0
Non-earning Assets
Fixed Assets 308.8 322.0 332.6 344.3
Goodwill 9.1 9.1 148.2 148.2
Other Assets 32.0 18.7 15.8 23.7
Total Assets 13,204.2 12,775.7 12,531.7 12,281.3
Customer Deposits - Savings n.a. n.a. 0.0 0.0
Repos and Cash Collateral 96.8 72.5 74.2 100.5
Other Deposits and Short-term Borrowings 492.3 456.2 734.2 1,160.2
Funding
Subordinated Borrowing n.a. n.a. 0.0 0.0
Other Funding 88.7 69.9 66.5 1,304.1
Total Long Term Funding 321.3 352.1 444.8 1,465.3
Derivatives 110.1 23.2 29.9 54.1
Total Funding 9,396.3 8,976.7 8,925.4 8,962.2
Fair Value Portion of Debt n.a. n.a. 0.0 0.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 1,614.6 1,638.9 1,605.3 1,469.5
OCI
Total Equity 3,374.7 3,425.1 3,244.5 3,010.3
Memo: Fitch Core Capital 3,285.2 n.a. 2,212.7 2,007.3
Memo: Fitch Eligible Capital 3,285.2 n.a. 2,212.7 2,007.3
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Pre-Impairment Operating Profit / Risk Weighted n.a. 5.05 2.95 5.38
Assets%
Operating Profit / Risk Weighted Assets% n.a. 4.24 1.21 4.65
%
%
Securitized Assets%
Net Income/ Risk Weighted Assets% n.a. 4.59 4.37 4.52
Fitch Comprehensive Income/ Risk Weighted Assets n.a. 4.45 4.17 3.49
%
Capitalization
Fitch Core Capital/Weighted Risks% n.a. n.a. 23.30 21.50
Fitch Eligible Capital/ Weighted Risks% n.a. n.a. 23.30 21.50
Cash Dividends & Share Repurchase/Net Income% n.a. n.a. 1.44 3.67
Loan Quality
Growth of Gross Loans% 0.18 -1.49 -0.37 8.15
%
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 209.5 176.2 218.8 223.5

Acceptances and documentary credits reported off- n.a. n.a. 0.0 0.0
balance sheet
Other Contingent Liabilities n.a. n.a. 0.0 0.0
Memo: Total Weighted Risks n.a. 8,883.8 9,496.8 9,335.7
Fitch Adjusted Weighted Risks n.a. 8,883.8 9,496.8 9,335.7
Average Loans 8,203.1 8,222.5 8,335.5 8,036.6
Average Assets 12,990.0 12,569.2 12,406.5 12,134.0
Average Equity 3,399.9 3,286.9 3,127.4 3,103.0
Maturities
Loans & Advances < 3 months n.a. n.a. 657.0 831.9
Loans & Advances 3 - 12 Months n.a. n.a. 858.4 944.8
Loans & Advances > 5 years n.a. n.a. 4,335.4 4,693.1
Debt Securities < 3 Months n.a. n.a. 9.3 9.9

Debt Securities 3 - 12 Months n.a. n.a. 5.0 16.5
Debt Securities 1 - 5 Years n.a. n.a. 21.4 0.0
Debt Securities > 5 Years n.a. n.a. 91.0 99.6
Interbank < 3 Months n.a. n.a. 612.3 709.3

Interbank 3 - 12 Months n.a. n.a. 1.3 0.0
Interbank 1 - 5 Years n.a. n.a. 0.0 0.0
Interbank > 5 Years n.a. n.a. 2.8 7.8




Total Subordinated Debt on Balance Sheet n.a. n.a. 0.0 0.0
Net Income 342.3 407.6 415.4 421.9
Equity 3,374.7 3,425.1 3,244.5 3,010.3
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on 0.0 n.a. 0.0 0.0
the B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 n.a. 866.9 838.6
Goodwill 9.1 9.1 148.2 148.2
Net asset value of insurance subsidiaries 0.0 n.a. 13.0 13.1
First loss tranches of off-balance sheet 0.0 n.a. 0.0 0.0
securitizations
Fitch Core Capital 3,285.2 n.a. 2,212.7 2,007.3
Eligible weighted Hybrid capital 0.0 n.a. 0.0 0.0
Government held Hybrid Capital 0.0 n.a. 0.0 0.0
Fitch Eligible Capital 3,285.2 n.a. 2,212.7 2,007.3
Eligible Hybrid Capital Limit 1,407.9 n.a. 948.3 860.3
Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 846.8 353.4 208.8 234.7

Asset Quality Data

Net Charge-offs
Recoveries n.a. n.a. 0.5 0.4
Net Charge-offs 79.1 38.4 107.6 4.7
Reserves

Capital
Eligible Capital
Legal Reserves 6.4 6.4 6.4 6.4

dividends
Stock Options to be Settled in Equity n.a. n.a. 0.0 0.0
Treasury Shares n.a. n.a. 0.0 0.0
Valuation Reserves for PP&E/Fixed Assets in OCI n.a. n.a. 0.0 0.0
Valuation Reserves in OCI - Other -157.9 -118.2 -102.5 -87.5
Cash Flow Hedge Reserve n.a. n.a. 0.0 0.0
Stock Options to be Settles with Equity Securities n.a. n.a. 0.0 0.0
Pension Reserve Direct to Equity n.a. n.a. 0.0 0.0
Other OCI Reserves n.a. n.a. 0.0 0.0
Interests
Non-controlling Minority Interest - not loss- n.a. n.a. 866.9 838.6
absorbing
Component of Convertible Bond Reported in Equity n.a. n.a. 0.0 0.0
Other Non-loss Absorbing Items Reported in Equity n.a. n.a. 0.0 0.0
Dividend Declared after Year-End n.a. n.a. 0.0 0.0

Share Repurchase n.a. n.a. 0.0 0.0
Deferred Tax Assets to be Deducted from Core 76.3 n.a. 0.0 0.0
Capital
Hybrid Capital Fitch Class A n.a. n.a. 0.0 0.0
Hybrid Capital Fitch Class B n.a. n.a. 0.0 0.0
Hybrid Capital Fitch Class C n.a. n.a. 0.0 0.0
Hybrid Capital Fitch Class D n.a. n.a. 0.0 0.0
Hybrid Capital Fitch Class E n.a. n.a. 0.0 0.0
Weighted Total of Fitch Hybrid Capital Classes 0.0 n.a. 0.0 0.0
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 0.0 n.a. 0.0 0.0
Risk Weighted Assets including floor/cap per Basel II n.a. 8,883.8 9,496.8 9,335.7

II
Capital Charge Credit Risk 726.4 n.a. n.a. n.a.
Capital Charge Operational Market Risk 36.1 n.a. n.a. n.a.
Capital
Reverse repurchase agreements in assets - other n.a. 56.4 0.0 n.a.
Cash collateral on securities borrowed n.a. n.a. 0.0 n.a.
Repurchase agreements included in customer n.a. n.a. 0.0 0.0
deposits
Repurchase agreements included in deposits from n.a. n.a. 0.0 0.0
banks
Repurchase agreements included in liabilities - other n.a. 72.5 74.2 100.5
Cash collateral on securities lent n.a. n.a. 0.0 n.a.

Average Reverse repurchase agreements included in n.a. n.a. 0.0 0.0
loans

Ratios

31/12/2011 31/12/2010 31/12/200 31/12/2008
Assets Quality 9
Capital
Tier 1 Ratio n.a. 22.40 19.75 17.10
Equity / Net Loans 42.54 43.14 40.13 36.90
Cap Funds / Tot Assets n.a. n.a. 25.89 24.51
Cap Funds / Net Loans n.a. n.a. 40.13 36.90
Cap Funds / Dep & ST Funding n.a. n.a. 38.39 40.45
Cap Funds / Liabilities n.a. n.a. 34.94 32.47
Subord Debt / Cap Funds n.a. n.a. 0.00 0.00
Operations
Non Op Items & Taxes / Avg Ast 1.09 0.24 2.41 -0.33
Dividend Pay-Out 1.75 1.47 1.44 3.67
Non Op Items / Net Income 49.78 -2.40 73.62 -6.07
Liquidity
Interbank Ratio 59.71 47.65 47.40 96.65
Date News
1 06/07/2012 Cartera Bellver acquires Sigma Diversificación (deal no.
1601384891)
2 13/06/2012 Banca March to acquire a stake in Consulnor (deal no.
1601378229)
3 31/05/2011 Banca March to acquire controlling stake in 360 Corporate (deal
no. 1601274651)
4 12/02/2010 Arta Capital to take minority stake in Mecalux (deal no.
1601165327)
5 14/01/2009 Banca March increases its stake in ACS (deal no. 1601043078)
6 09/07/2008 Cartera Industrial REA holds rights issue (deal no. 1601001147)
7 28/12/2007 Corporación Financiera Alba sells 3 companies (deal no.

605199)
8 02/08/2007 Banca March raises stake in Corporación Financiera Alba (deal
no. 563285)
9 01/06/2007 Europac to issue shares as part of shares plan for executives
and directors (deal no. 1601259724)
10 31/05/2006 Banca March acquires majority stake in UNIPSA Correduría de
11 05/04/2006 Banca Marcha to acquire a stake in Inversis (deal no. 433454)
Source : Zephyr
Boards & committees

= also shareholder
1. Mr. Jose Carlos March Delgado - President of the Board BoD IN
P002219129 (since 28/07/2008)
2. Don Juan March de la Lastra - Vice - president of the Board BoD IN, VI
P069565673 (since 27/08/2010)
3. Mr. Francisco Servando Verdú - Vice - president of the Board BoD IN
Pons (since 15/07/2011)
P002219137
4. Mr. Pablo Vallbona Vadell - Vice - president of the Board BoD IN, VI
P038928008 (since 27/08/2010)
Management & staff

= also shareholder
1. Mr. José Nieto de la Cierva - General Manager SenMan IN
P039803908 (since 20/04/2012)
2. Mr. Fernando Abril-Martorel - Administrator SenMan IN
Hernández (since 28/06/2011)
P002221659
3. Mr. Jose Ignacio Benjumea - Administrator SenMan IN
Alarcon (since 27/08/2010)
P039820315
4. Mr. Alberto Esteve Cruella - Administrator SenMan IN
P002589986 (since 27/08/2010)
5. Mr. Juan Bta March Delgado - Administrator SenMan IN
P093486455 (since 27/08/2010)
6. Mr. Juan March Juan - Administrator SenMan IN
P042282985 (since 29/03/2012)
7. Mr. Santos Martínez-Conde y - Administrator SenMan IN
Gutiérrez-Barquín (since 27/08/2010)
P002219130
8. Mr. Antonio Matas Segura - Administrator SenMan IN
P042066915 (since 28/07/2008)
9. Mr. Fernando Mayans Altaba - Administrator SenMan IN
P002222022 (since 28/07/2008)
10. Mr. Ignacio Muñoz Pidal - Administrator SenMan IN
P042095308 (since 27/08/2010)
11. Mr. Luis Javier Rodriguez Garcia - Administrator SenMan IN
P098847458 (since 06/04/2009)
12. Mr. Javier Vilardell March - Administrator SenMan IN
P052224509 (since 27/08/2010)
13. Mr. Juan Carlos Villalonga March - Administrator SenMan IN
P002259170 (since 27/08/2010)
14. Mr. Alberto Del Cid Picado - Finance Director FinAcc IN
P042160993 (since 06/04/2011)
15. Mr. Jose Luis Acea Rodriguez - Sales Director Sales IN
P099037078 (since 20/04/2012)
16. Mr. Juan Ferrer Bonmati - No specific function IN
P128043895 (since 20/04/2012)

Ownership Source

1. ALGAIDA CARTERA E INVERSIONES SA ES 100.00 100.00 1 UO+ IP 09/2011 -

2. MARCH GESTION DE FONDOS SGIIC SA ES 100.00 100.00 1 UO+ IP 09/2011 ð
3. MARCH GESTION DE PENSIONES ES 100.00 100.00 1 UO+ IP 09/2011 ð
SOCIEDAD GESTORA DE FONDOS DE
PENSIONES SA
4. MARCH PATRIMONIOS SA ES 100.00 100.00 1 UO+ IP 09/2011 ð

5. MARCH SERVICIOS INMOBILIARIOS DE ES 100.00 100.00 1 UO+ IP 09/2011 ð
CANARIAS SA
6. MARCH VIDA SA DE SEGUROS Y ES 100.00 100.00 1 UO+ IP 08/2012 ð
REASEGUROS
7. 360 CORPORATE FINANCE SA ES 50.00 n.a. 1 - IP 09/2011 -
8. ALBA PARTICIPACIONES S.A. ES - 35.98 1 - RM 12/2010 ö
9. BALBOA PARTICIPACIONES SA ES - 35.98 1 - RM 12/2010 -
10. DEYA CAPITAL SCR DE REGIMEN ES - 35.98 1 - RM 12/2010 ö
SIMPLIFICADO SA
11. CORPORACION FINANCIERA ALBA SA ES 33.29 n.a. 1 - IP 08/2012 ð
12. CARREFOUR CORREDURIA DE SEGUROS SA ES - 25.00 1 - RM 12/2010 ö
13. ARTA CAPITAL SA ES - 22.62 1 - RM 12/2010 -

14. ACERINOX SA ES - 8.71 1 - RM 12/2010 ö
15. ACS, ACTIVIDADES DE CONSTRUCCION Y ES - 8.38 1 - RM 12/2010 ø
SERVICIOS, S.A.
16. ANTEVENIO S.A. ES - 7.39 1 - RM 12/2010 ö
17. BANCO INVERSIS SA ES 5.00 n.a. 1 - IP 08/2012 ð
18. INDRA SISTEMAS SA ES - 3.61 1 - RM 12/2010 -
19. PROSEGUR COMPANIA DE SEGURIDAD S.A. ES - 3.60 1 - RM 12/2010 ö
20. SISTEMA 4 B SA ES 3.55 n.a. 1 - IP 03/2012 ø

21. EBRO FOOD, S.A. ES - 2.05 1 - RM 12/2010 -
22. ALCUDIA CARTERA E INVERSIONES, SA ES - n.a. 1 - IP 08/2012 ð
23. ISBA, SOCIEDAD DE GARANTIA ES - n.a. 1 - IP 09/2011 -
RECIPROCA
24. MARCH-JLT CORREDURIA DE SEGUROS SA. ES - n.a. 1 - IP 08/2012 ò
25. REDSYS SERVICIOS DE PROCESAMIENTO ES - n.a. 1 - IP 09/2011 -

SL
26. SOCIEDAD ESPAÑOLA DE SISTEMAS DE ES - n.a. 1 - IP 03/2012 ø
PAGO, SA
91 00
92 44
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nager for more
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Watch
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
7,563.1 6,610.2 5,202.6

7,722.1 6,737.7 5,307.4
159.0 127.5 104.8
3,670.2 3,401.1 3,272.2
516.6 777.8 771.8
20.8 34.8 36.4
3,132.2 2,588.0 2,463.5
0.6 0.5 0.5
11,233.3 10,011.3 8,474.8
346.8 346.5 358.7
406.5 217.0 265.1
11,986.6 10,574.8 9,098.6
7,046.5 7,223.0 6,368.7

5,025.4 5,611.9 5,833.7
681.9 199.0 535.0
1,339.2 1,412.1 n.a.
1,425.5 203.5 10.8
99.6 44.5 10.8
0.0 n.a. 0.0
1,325.9 159.0 0.0
238.0 267.4 101.5
11.3 24.0 n.a.
69.7 72.4 86.4
3,195.6 2,784.5 2,531.2
11,986.6 10,574.8 9,098.6
37.1 22.8 20.1
170.3 151.5 104.8
775.3 1,231.9 1,024.4
151.7 10.8 2.0
2,623.2 2,358.3 1,771.5
0.0 0.0 0.0

0.0 0.0 0.0

31/12/2007 31/12/2006 31/12/2005
151.3 133.8 114.2
527.4 517.5 558.8
2.4 53.4 n.a.
0.0 0.0 n.a.
74.7 68.0 59.1

450.3 396.1 499.7
177.8 182.6 159.5
32.8 23.9 17.3
55.8 490.6 3.1
523.9 935.4 499.3
21.4 26.6 46.4
502.5 908.8 452.9
256.0 287.8 553.9
2.7 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1.0 n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
386.4 253.4 201.8
40.6 31.5 12.7
7.7 8.5 n.a.
434.7 293.4 214.5
194.4 121.0 90.6

89.0 38.6 9.7
283.4 159.6 100.3
151.3 133.8 114.2
2.4 53.4 n.a.

0.0 0.0 346.3
0.0 0.0 n.a.
4.1 3.1 2.2

74.7 68.0 59.1
23.5 29.5 32.1
104.7 154.0 439.7
103.0 118.3 97.3
74.8 64.3 62.2
177.8 182.6 159.5
422.7 363.5 119.1

500.9 468.7 513.5
32.8 23.9 17.3
n.a. n.a. n.a.
468.1 444.8 496.2
0.0 0.0 n.a.

61.2 513.8 n.a.
2.0 23.2 n.a.
0.0 0.0 n.a.
-3.4 n.a. 3.1
523.9 935.4 499.3
21.4 26.6 46.4
n.a. n.a. n.a.
502.5 908.8 452.9
n.a. -351.9 351.9

0.0 n.a. n.a.
n.a. n.a. n.a.
0.0 -2.7 n.a.
502.5 554.2 804.8
308.6 598.3 154.5
193.9 310.5 298.4
2.7 n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
7,722.1 6,737.7 5,307.4
159.0 127.5 104.8
7,563.1 6,610.2 5,202.6
7,722.1 6,737.7 5,307.4
37.1 22.8 20.1
0.0 n.a. n.a.
373.7 777.8 771.8

142.9 n.a. n.a.
94.0 313.6 65.5
20.8 34.8 36.4
337.0 275.4 1,297.0
20.4 23.7 n.a.
2,680.8 1,975.3 1,101.0
0.0 n.a. n.a.
3,295.9 2,622.8 2,499.9
32.0 22.0 48.3
n.a. n.a. n.a.
0.0 n.a. n.a.
0.6 0.5 0.5
0.0 n.a. n.a.
11,233.3 10,011.3 8,474.8
164.7 140.5 187.1

n.a. n.a. n.a.
1.2 0.8 0.7
346.8 346.5 358.7
148.2 9.1 0.0
3.5 1.7 2.0
3.8 1.8 1.9
59.2 54.7 61.8
0.0 n.a. n.a.
25.9 8.4 11.6
11,986.6 10,574.8 9,098.6
1,633.9 1,767.0 3,406.4

0.0 0.0 n.a.
3,391.5 3,844.9 2,427.3
5,025.4 5,611.9 5,833.7
533.7 199.0 535.0
148.2 n.a. n.a.
1,339.2 1,412.1 n.a.
7,046.5 7,223.0 6,368.7
166.7 159.0 n.a.
0.0 0.0 0.0
1,159.2 0.0 0.0
1,325.9 159.0 0.0
99.6 44.5 10.8
0.0 n.a. 0.0
8,472.0 7,426.5 6,379.5
0.0 n.a. n.a.

11.3 24.0 n.a.
69.7 72.4 86.4
10.5 6.2 7.3
20.5 21.2 24.1
n.a. n.a. n.a.
n.a. n.a. n.a.
34.4 36.4 36.9
172.6 203.6 33.2
8,791.0 7,790.3 6,567.4
0.0 0.0 0.0
0.0 0.0 0.0
1,370.4 1,115.0 1,416.1

1,797.6 1,576.5 763.2
51.6 15.5 351.9
-24.0 -7.9 n.a.
n.a. 85.4 0.0
3,195.6 2,784.5 2,531.2

11,986.6 10,574.8 9,098.6
n.a. n.a. n.a.
n.a. n.a. n.a.
5.34 4.21 n.a.

3.66 2.11 n.a.
4.09 3.17 n.a.

3.57 2.31 n.a.
1.42 1.45 n.a.

1.12 1.19 n.a.
1.42 1.45 n.a.
40.90 53.51 79.38

69.45 63.45 28.80
1.58 1.86 n.a.
16.75 17.63 n.a.
4.44 4.76 n.a.
6.55 5.10 3.37
15.65 16.74 n.a.

4.15 4.52 n.a.
4.08 2.84 9.29
n.a. n.a. n.a.
n.a. n.a. n.a.
16.81 34.19 n.a.

4.45 9.24 n.a.
16.81 20.85 n.a.
4.45 5.63 n.a.
4.42 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
25.72 26.26 27.31
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
26.66 26.33 27.82
0.54 n.a. n.a.
0.54 n.a. n.a.
0.54 n.a. n.a.

15.64 32.64 17.89
13.35 16.22 n.a.

14.61 26.95 n.a.
0.48 0.34 0.38
2.06 1.89 1.97
428.57 559.21 521.39
-3.81 -3.76 -3.35
0.45 0.40 n.a.

0.01 n.a. n.a.
0.50 0.35 0.39
153.66 120.06 90.98

70.02 390.85 144.26
60.02 76.02 91.60
84.2 n.a. n.a.
n.a. n.a. n.a.
670.8 616.8 563.8

0.0 n.a. n.a.
1,868.2 1,741.5 1,207.7

0.0 n.a. n.a.
14,609.8 12,933.1 10,870.1
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
7,229.9 6,022.6 n.a.

10,622.3 9,243.1 n.a.
11,280.7 9,836.7 n.a.
84.2 n.a. n.a.
7,949.3 6,903.0 n.a.
1,242.7 1,265.6 n.a.
2,990.1 2,657.9 n.a.
5,318.7 5,722.8 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
0.0 0.0 0.0
n.a. n.a. n.a.
502.5 908.8 452.9

n.a. n.a. n.a.
502.5 908.8 n.a.
3,195.6 2,784.5 2,531.2

0.0 0.0 0.0
n.a. n.a. n.a.

3,195.6 n.a. n.a.
3,195.6 2,784.5 2,531.2
0.0 0.0 n.a.
n.a. n.a. n.a.

148.2 9.1 0.0
3.5 1.7 2.0
0.0 0.0 61.8
12.0 0.0 n.a.
0.0 0.0 n.a.
n.a. n.a. n.a.

0.0 0.0 n.a.
0.0 0.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
386.4 253.4 201.8
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
194.4 121.0 90.6
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
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n.a. n.a. n.a.
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n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
55.7 270.1 64.2
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

8.4 2.3 1.3
64.1 272.4 65.5
159.0 268.9 432.1
101.5 3.2 48.3

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 869.2
96.9 27.0 -52.6
337.0 275.4 1,297.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
20.4 23.7 n.a.
101.5 3.2 48.3
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
161.0 299.4 882.1
1.6 n.a. n.a.

0.6 n.a. n.a.
1.0 n.a. n.a.
126.3 n.a. n.a.

32.6 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
32.0 32.0 41.9
202.8 85.4 n.a.

944.4 775.2 1,374.2
n.a. n.a. n.a.
0.0 0.0 n.a.

0.0 0.0 n.a.
1,797.6 1,576.5 763.2
1,398.0 1,208.0 1,768.0
3,195.6 2,784.5 1,416.1
n.a. n.a. 351.9
n.a. n.a. n.a.
0.0 0.0 n.a.
-2.7 -2.7 n.a.
-2.7 -2.7 351.9
0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
-2.7 -2.7 351.9
n.a. n.a. n.a.
-2.7 -2.7 351.9
0.0 0.0 0.0
3,195.6 2,784.5 2,531.2
n.a. n.a. n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.

0.0 0.0 n.a.
2.7 n.a. n.a.
0.0 n.a. n.a.
0.0 0.0 61.8
12.5 10.8 n.a.

0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
0.0 0.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
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n.a. n.a. n.a.
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n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
3,295.9 2,622.8 2,499.9

n.a. n.a. n.a.
3,295.9 2,622.8 2,499.9
0.0 n.a. n.a.
0.0 n.a. n.a.
0.0 n.a. n.a.

0.0 n.a. n.a.
0.0 n.a. n.a.
0.0 n.a. n.a.
148.2 n.a. n.a.
0.0 n.a. n.a.

0.0 n.a. n.a.
1,737 1,647 1,377

298 278 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
89.1 74.2 129.9
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
2.20 2.24 1.98

21.68 17.86 15.15
459.03 664.47 521.39
0.48 0.34 0.38
0.01 n.a. n.a.
0.19 n.a. n.a.
1.16 0.82 0.79
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
26.66 26.33 27.82
42.25 42.12 48.65
45.35 38.55 39.74
36.35 35.74 38.54
26.66 26.33 27.82
42.25 42.12 48.65
45.35 38.55 39.74
36.35 35.74 38.54
0.00 0.00 0.00
1.42 1.45 1.35

1.34 1.36 1.26
4.68 5.26 6.14
1.87 2.10 1.94
4.15 4.52 5.45
0.31 4.72 -0.48
4.46 9.24 4.98
16.81 34.19 17.89
0.54 n.a. n.a.
16.72 n.a. n.a.
11.10 53.98 0.68
26.20 28.04 23.70
4.44 4.77 5.64
75.76 390.85 144.26

63.10 62.51 57.18
107.33 91.52 81.69
89.27 89.01 81.55
11.00 17.06 16.09
9.15 16.59 16.06
Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
- n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð <0,5 n.a.
ð n.a. n.a.
ð 88.0 9.0
- 1.0 10.0
ö n.a. n.a.
- n.a. n.a.
ö n.a. n.a.
ð 20.0 54.0
ö n.a. n.a.
- n.a. n.a.
ö 6,094.0 7,431.0
ø 37,511.0 164,923.0
ö 31.0 155.0
ð 86.0 343.0
- 3,529.0 31,092.0
ö 3,649.0 2,680.0
ø 5.0 25.0
- 2,380.0 4,822.0
ð 8.0 n.a.
- 2.0 20.0
ò 22.0 110.0
- n.a. n.a.
ø 10.0 21.0
Caja de Ahorros de Vitoria y Alava-Caja Vital
01013 VITORIA BvD ID number ESG01104256

Status Active
Contact details
Paseo Biosfera, 6 Phone number +34 (945) 16 20 00

Fax number +34 (945) 16 20 28
01013 VITORIA Web Site Address www.cajavital.es
SPAIN
Bank History :
Established on June 18,1990.
Accounting Standards International Financial Nickname VITALIC
Auditores S.L.

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Unqualified Not Audited Unqualified Audited
Original Original Original Partial
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 6,440.9 6,529.3 6,555.6 6,504.5
Gross Loans 6,587.1 6,678.9 6,692.0 6,635.5
Derivatives 102.7 84.6 72.0 55.2
Fixed Assets 131.4 141.4 142.6 147.4
Total Assets 8,364.9 8,643.6 9,251.9 8,726.2

Derivatives 28.5 26.9 22.6 26.3
Other Reserves 16.0 16.1 23.1 22.3
Equity 828.5 843.6 853.9 801.6
Notes
Off Balance Sheet Items 877.7 1,133.0 1,507.4 1,663.4

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives 0.6 -0.4 1.9 1.5
Statement
Overheads 114.3 110.3 109.3 106.9
Other -18.5 36.7 10.5 23.7
Tax -2.9 -2.3 7.3 11.9
Net Income 14.7 38.6 68.4 76.0
Dividend Paid 7.5 11.1 18.4 20.6

Tier 1 Ratio 13.52 12.51 11.35 10.69
Total Capital 814.3 852.9 862.5 850.1
Tier 1 Capital 771.5 772.0 754.7 705.5
Net-Charge Offs 33.2 29.1 1.1 10.3

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Expense on Customer Deposits 117.1 n.a. n.a. n.a.

Statement
Equity-accounted Profit/ Loss - Operating 2.8 -3.0 -6.7 2.3

Securities and Other Credit Impairment Charges 3.0 -0.8 -1.5 2.1

Other Non-operating Income and Expenses 0.4 4.4 7.8 -1.5
Pre-tax Profit 11.8 36.3 75.7 87.9
Tax expense -2.9 -2.3 7.3 11.9
Net Income 14.7 38.6 68.4 76.0

Revaluation of Fixed Assets -0.3 -1.7 n.a. n.a.
Currency Translation Differences 0.0 0.2 n.a. n.a.
Memo: Preferred Dividends Related to the Period 0.0 0.0 0.0 n.a.
Balance Sheet
Assets
Loans
Residential Mortgage Loans n.a. 3,051.8 2,975.1 3,316.6
Other Consumer/ Retail Loans n.a. 670.6 707.7 194.8
Corporate & Commercial Loans n.a. 2,784.6 2,826.6 2,492.1
Other Loans 6,587.1 171.9 182.6 632.0
Net Loans 6,440.9 6,529.3 6,555.6 6,504.5
Gross Loans 6,587.1 6,678.9 6,692.0 6,635.5
Derivatives 102.7 84.6 72.0 55.2
Available for Sale Securities 983.2 1,182.8 1,158.8 1,282.0
Memo: Government Securities included Above 362.8 434.7 432.8 669.7
Non-earning Assets
Fixed Assets 131.4 141.4 142.6 147.4
Goodwill 0.0 0.0 0.0 0.0
Other Assets 1.3 7.7 10.2 17.7
Total Assets 8,364.9 8,643.6 9,251.9 8,726.2
Customer Deposits - Current 722.0 1,296.0 1,321.9 1,244.1
Repos and Cash Collateral 217.9 287.0 657.4 765.0
Funding
Other Funding 1,641.7 1,577.4 1,361.3 1,205.3
Derivatives 28.5 26.9 22.6 26.3
Total Funding 7,345.7 7,591.7 8,173.2 7,758.9
Hybrid Capital
Debt
Equity
Equity
Common Equity 815.5 811.9 792.1 745.1
Securities Revaluation Reserves 11.3 30.0 56.3 53.0
OCI
Total Equity 828.5 843.6 853.9 801.6
Memo: Fitch Core Capital 813.2 831.6 844.4 794.3
Memo: Fitch Eligible Capital 813.2 831.6 844.4 794.3
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
%
Capitalization
Cash Dividends & Share Repurchase/Net Income% n.a. 28.76 26.90 n.a.
Loan Quality
%
Foreclosed Assets%
Funding
Interbank Assets/ Interbank Liabilities% 93.61 463.18 n.s. n.s.
Reference Data
Sheet
Guarantees 218.6 245.1 289.5 351.5

balance sheet
Committed Credit Lines 609.1 814.0 1,131.6 1,200.5
Average Loans 6,655.4 6,716.7 6,643.4 6,406.8
Average Assets 8,610.4 8,938.3 8,855.5 8,338.5
Average Common equity 814.5 796.4 759.1 705.4
Average Equity 842.7 844.6 815.4 784.9
Maturities

Interbank < 3 Months n.a. n.a. n.a. 287.0


Other Deposits < 3 Months n.a. n.a. n.a. 2,970.7

Other Deposits 3 - 12 Months n.a. n.a. n.a. 1,188.6
Other Deposits 1 - 5 Years n.a. n.a. n.a. 619.6

Fair Value Portion of Subordinated Debt n.a. n.a. 0.0 0.0
Net Income 14.7 38.6 68.4 76.0
Equity 828.5 843.6 853.9 801.6
as Equity
Add: Other Adjustments n.a. n.a. n.a. 0.0
Published Equity 828.5 843.6 853.9 801.6

Total Equity as reported (including non-controlling 828.5 843.6 853.9 801.6
interests)
the B/S- CC only
Goodwill 0.0 0.0 0.0 0.0
securitizations
Fitch Core Capital 813.2 831.6 844.4 794.3
Fitch Eligible Capital 813.2 831.6 844.4 794.3

Assets
Total Interest Expense on Customer Deposits 117.1 n.a. n.a. n.a.
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
AFS Assets - Government n.a. 434.7 432.8 669.7
AFS Assets - Banks n.a. 12.0 60.2 56.6
AFS Assets - Corporates n.a. 496.8 423.2 282.2
AFS Assets - Structured n.a. 0.0 0.0 0.0
AFS Assets - Other n.a. 23.1 29.8 38.1
Total AFS Assets 983.2 1,182.8 1,158.8 1,282.0

Total Debt Securities - Government n.a. 434.7 432.8 669.7
Total Debt Securities - Banks n.a. 12.0 60.2 56.6
Total Debt Securities - Corporates n.a. 496.8 423.2 282.2
Total Debt Securities - Structured n.a. 0.0 0.0 0.0
Asset Quality Data

Net Charge-offs
Recoveries 6.7 6.0 0.8 0.5
Net Charge-offs 33.2 29.1 1.1 10.3
Reserves

Capital
Eligible Capital

Retained Earnings 799.7 n.a. 792.1 745.1
dividends
Other Common Equity 827.8 842.8 849.1 797.2
Total Common Equity 828.5 843.6 853.9 801.6
Valuation Reserves for AFS Securities in OCI Total 12.1 30.6 55.1 53.0
Valuation Reserves for FX in OCI n.a. 0.9 0.7 n.a.
Valuation Reserves for PP&E/Fixed Assets in OCI -0.8 -0.5 1.2 n.a.
Total Valuation Reserves in OCI 11.3 31.0 57.0 53.0
Cash Flow Hedge Reserve 1.0 n.a. n.a. -0.9
Total Reported Equity including Non-controlling 828.5 843.6 853.9 801.6
Interests
Non-controlling Minority Interest - not loss- n.a. 0.0 0.0 0.0
absorbing
Component of Convertible Bond Reported in Equity n.a. 0.0 0.0 0.0

Total Dividends Related to Period n.a. 11.1 18.4 20.6
Share Repurchase n.a. 0.0 0.0 n.a.
Capital
Intangibles to be deducted from Core Capital n.a. 2.9 3.0 2.2
Regulatory Capital
Regulatory Tier 1 Capital 771.5 772.0 754.7 705.5
Total Regulatory Capital 814.3 852.9 862.5 850.1

II
Capital
Unencumbered Securities 895.3 1,021.9 786.5 781.3
Reverse repurchase agreements in assets - other 0.0 0.0 0.0 0.0
deposits
banks

Average Reverse repurchase agreements included in 0.0 0.0 0.0 0.0
loans
Number of Employees 794 810 829 831

Deposits of Governments and Municipalities 265.6 513.4 461.8 565.3
Government 175.2 159.2 180.5 138.2
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 13.52 12.51 11.35 10.69
Equity / Net Loans 12.86 12.92 13.03 12.32
Operations
Non Op Items & Taxes / Avg Ast -0.18 0.44 0.04 0.14
Dividend Pay-Out 51.02 28.76 26.90 27.11
Liquidity
Interbank Ratio 44.09 68.37 115.18 41.84
Date News
1 27/06/2012 Kutxabank Gestión acquires Kutxagest and Vitalgestión (deal no.
1601382006)
1601255907)
3 13/12/2011 Caja de Crédito de Los Ingenieros acquires a stake in Norbolsa
(deal no. 1601325064)
1601286391)

(deal no. 1601224180)
8 18/09/2009 Itinere takeover closed (deal no. 1601019921)
9 14/11/2008 Itinere ‘is up for sale’ (deal no. 1601019921)
11 31/03/2008 Caja Vital sells minority stake in CAF (deal no. 632753)
621758)
14 15/04/2005 Caja Vital reduces stake in CAF (deal no. 336588)
15 28/02/2005 Talde Promoción y Desarrollo, BBK, Kutxa and Vital divest
Inmogroup stake (deal no. 322258)
16 25/02/2005 Caja Vital takes Iberdrola stake (deal no. 321570)
17 19/03/2004 Caja de Ahorros de Vitoria y Alava - Caja Vital has taken a
minority stake in Tubos Reunidos (deal no. 236402)
18 14/03/2004 Caja de Ahorros de Vitoria y Alava - Caja Vital has taken a
minority stake in Euskaltel (deal no. 217455)
19 13/02/2003 Alava Agencia de Desarrollo, Caja Vital and Acesa form joint
Source : Zephyr
Boards & committees

1. Mr. Carlos Vicente Zapatero - President of the Board BoD IN
Berdonces (since 19/10/2010)
P013655183
2. Mrs. Maria Buesa Rodriguez - Vice - president of the Board BoD IN
P042166474 (since 08/07/2004)
3. Mr. Hernando Lacalle Edeso - Vice - president of the Board BoD IN
P042206772 (since 19/10/2010)
4. Mrs. Maria Angeles Moreno San - Vice - president of the Board BoD IN
Jose (since 12/05/2000)
P104270673
5. Mr. Silvestre Portilla Ogueta - Vice - president of the Board BoD IN
P082787943 (since 05/11/1993)
6. Mr. Juan Antonio Sanchez - Vice - president of the Board BoD IN
Corchero (since 19/10/2010)
P042082988
7. Mr. Jose Vidal Sucunza Vicente - Vice - president of the Board BoD IN
P028079125 (since 05/11/1993)
Management & staff

1. Mr. Jose Alberto Barrena Llorente - General Manager SenMan IN
(since 13/07/1998)
P039806911
2. Mrs. Ana Aguirre Zurutuza - Administrator SenMan IN
P042183457 (since 03/09/2010)
3. Mr. Luis Anua Jose - Administrator SenMan IN
P100481453 (since 03/04/2000)
4. Mr. Javier Balza Aguilera - Administrator SenMan IN
P059623946 (since 03/09/2010)
5. Mr. Virgilio Bermejo Vega - Administrator SenMan IN
P082787933 (since 03/09/2010)
6. Mr. Adolfo Bruno Ochoa Rey - Administrator SenMan IN
P082787935 (since 02/06/2008)
7. Mrs. Maria Buesa Rodriguez - Administrator SenMan IN
P042166474 (since 30/06/2000)
8. Mrs. Teresa Crespo Maria - Administrator SenMan IN
P042166470 (since 03/04/2000)
9. Mrs. Maria Dominguez Eva - Administrator SenMan IN
P082787934 (since 03/04/2000)
10. Mr. Pedro Ignacio Elosegui - Administrator SenMan IN
Gonzalez De Gamarra (since 25/07/1996)
P082787930
11. Mr. Izaskun Garaigordobil - Administrator SenMan IN
Garmendia (since 03/09/2010)
P082787929
12. Mr. Iñaki Xabier Gerenabarrena - Administrator SenMan IN
Martinez De Lahidalga (since 02/06/2008)
P042166459
13. Mrs. Maria Elena Girbau Garcia - Administrator SenMan IN
P082787931 (since 03/09/2010)
14. Mr. Miguel Gutierrez Fraile - Administrator SenMan IN
P104270672 (since 03/09/2010)
15. Mr. Antonio Larisgoitia Juan - Administrator SenMan IN
P111152882 (since 03/04/2000)
16. Mr. Javier Lasarte Jose - Administrator SenMan IN
P039822967 (since 03/04/2000)
17. Mr. Francisco Javier Lazcoz - Administrator SenMan IN
Baigorri (since 03/09/2010)
P042152788
18. Mrs. Carmen Nieves Lopez De - Administrator SenMan IN
Luzuriaga (since 03/04/2000)
P082787932
19. Mr. Jose Luis Lopez Iturritxa - Administrator SenMan IN
P042166477 (since 02/06/2008)
20. Mr. Jesus Loza Aguirre - Administrator SenMan IN
P082787940 (since 07/03/2001)
21. Mr. Alfredo Marco Tabar - Administrator SenMan IN
P082787941 (since 24/07/2002)
22. Mr. Javier Ignacio Maroto - Administrator SenMan IN
Aranzabal (since 23/06/2004)
P039822968
23. Mr. Francisco Javier Martinez De - Administrator SenMan IN
San Vicente Corres (since 03/09/2010)
P042967012
24. Mr. Francisco Javier Nogales - Administrator SenMan IN
P103999133
25. Mr. Jose Maria Ochoa De Eribe - Administrator SenMan IN
Elorza Juan (since 25/07/1996)
P042966828
26. Mr. Alonso Enrique Ortiz De - Administrator SenMan IN
Urbina (since 03/09/2010)
P039822970
27. Mr. Juan Carlos Prieto San - Administrator SenMan IN
Vicente (since 07/03/2001)
P068578957
28. Mr. Vicente Saenz De Samaniego - Administrator SenMan IN
Corominas (since 07/03/2001)
P002290116
29. Mr. Alfonso Saiz Gallego - Administrator SenMan IN
P002181219 (since 23/06/2004)
30. Mr. Ramon Salazar Jose - Administrator SenMan IN
P082787936 (since 03/04/2000)
31. Mrs. Miren Saratxaga De Isla - Administrator SenMan IN
P082787938 (since 02/06/2008)
32. Mr. Luis Fernando Velasco - Administrator SenMan IN
Galindez (since 20/11/2009)
P002290036
33. Mr. Jose Ignacio Iglesias Lezama - Finance Director FinAcc IN
(since 09/01/2005)
P042104162
34. Mrs. Esther Aldaya Carrasco - Human Resources Director HR IN
P082787928 (since 09/01/2005)
35. Mr. Mariano Caudepon Gurria - Sales Director Sales IN
P042166481 (since 09/01/2005)
36. Mr. Francisco Javier Alejo Fariñas - Marketing Director MarkAdv IN
(since 09/01/2005)
P082787927
37. Mrs. Esther Aranzabal San - Operations Director Oper IN
Vicente (since 09/01/2005)
P042166483

Ownership Source

1. AYT COLATERALES GLOBAL HIPOTECARIO ES 100.00 100.00 1 UO+ IP 08/2012 ð

F.T.A.
2. AYT ICO FTVPO CAJA VITAL KUTXA FONFO ES 100.00 100.00 1 UO+ IP 08/2012 ð
DE TITULIZACION DE ACTIVOS
3. CAIXA PENEDES PARTICIPACIONS KY 100.00 100.00 1 UO+ IP 08/2012 ð
PREFERENTS LIMITED
4. CAJA VITAL FINANCE BV NL 100.00 100.00 1 UO+ IP 08/2012 ð
5. EPSV ARABA ETA GASTEIZ AURREZKI ES 100.00 100.00 1 UO+ IP 09/2011 ð
KUTXA III PARA EL COLECTIVO DE
EMPLEADOS DE LA CAJA DE AHORROS DE
VITORIA Y ALAVA INGRES
6. GUEREÑU PROMOCIONES SL ES 100.00 100.00 1 UO+ IP 03/2012 ð

7. PROMOCIONES JUNGUITU SL ES 100.00 100.00 1 UO+ IP 09/2011 ð
8. VIUC PROMOCIONES SA ES 100.00 100.00 1 UO+ IP 09/2011 ð
9. DINERO ACTIVO SA ES 99.00 n.a. 1 UO+ IP 09/2011 ð
10. MARTIODA PROMOCIONES SL ES 60.00 n.a. 1 UO IP 09/2011 ø
11. VITALQUILER SL ES 60.00 n.a. 1 UO IP 09/2011 ð
12. HAZIBIDE S.L. ES 37.50 n.a. 1 - IP 08/2012 ð
13. ZIHURKO SOCIEDAD DE CORREDURIA DE ES 30.00 n.a. 1 - IP 09/2011 ð
REASEGUROS SA Y A B
14. FUNDACION LEIA ES 25.00 n.a. 1 - IP 09/2011 ð

15. PILOTES E.B. SA ES 25.00 n.a. 1 - IP 08/2012 ð
16. GESFIR SERVICIOS DE BACK OFFICE SL ES 23.30 n.a. 1 - IP 09/2011 ð
18. NUMZAAN SL ES 21.46 n.a. 1 - IP 09/2011 ö
19. EUSKAL AIR SA ES 20.00 n.a. 1 - IP 09/2011 ð
20. GABINETE EGIA SA CORREDURIA DE ES 19.99 n.a. 1 - IP 09/2011 ð
REASEGUROS Y BIHARKO A
21. PAISAJES DEL VINO SOCIEDAD LIMITADA ES 16.66 n.a. 1 - IP 09/2011 ð

23. AHORRO CORPORACION ES 13.04 n.a. 1 - IP 08/2012 ð
INFRAESTRUCTURAS 2 SCR SA DE
24. NORBOLSA SOCIEDAD DE VALORES ES 13.00 n.a. 1 - IP 09/2011 ð

SOCIEDAD ANONIMA
25. TALDE PROMOCION Y DESARROLLO, SC R, ES 8.32 n.a. 1 - IP 09/2011 ð
SA
26. DOCUMENT ON DEMAND SA ES 7.33 n.a. 1 - IP 03/2012 ð
28. LICO CORPORACION SA ES 5.14 n.a. 1 - IP 09/2011 ð
29. MONDRAGON PROMOCION EMPRESARIAL ES 4.00 n.a. 1 - IP 08/2012 ð
SPE SA
30. IKEI RESEARCH & CONSULTANCY, SA ES 3.30 n.a. 1 - IP 09/2011 ö
31. GRUPO AHORRO CORPORACION-AHORRO ES 2.68 n.a. 1 - IP 09/2011 ð
CORPORACION S.A.
32. VIACAJAS, SA ES 1.71 n.a. 1 - IP 09/2011 ö
33. EURO 6000, SA ES 1.37 n.a. 1 - IP 08/2012 ð
34. AHORRO CORPORACION GESTION SGIIC ES 1.12 n.a. 1 - IP 09/2011 ð
SA
35. IBERAVAL, SOCIEDAD DE GARANTIA ES 1.04 n.a. 1 - IP 03/2012 ö
RECIPROCA
FINANCIERA, SA
37. PESCAFINA, SA ES 0.55 n.a. 1 - IP 09/2011 ð
39. REPSOL S.A. ES 0.10 n.a. 1 - IP 09/2011 ð

40. ACCIONA S.A. ES - n.a. 1 - IP 08/2012 ð
42. BIHARKO ENTIDAD DE PREVISION SOCIAL ES - n.a. 1 - IP 03/2012 ò
VOLUNTARIA.
43. BODEGAS IZADI S.A. ES - n.a. 1 - IP 08/2012 ð
44. CONCESSIA CARTERA Y GESTION DE ES - n.a. 1 - IP 08/2012 ð
INFRAESTRUCTURAS SA
46. ELKARGI SOCIEDAD DE GARANTIA ES - n.a. 1 - IP 03/2012 ø
RECIPROCA
47. FUNDACION EUROPEAN VIRTUAL ES - n.a. 1 - IP 08/2012 ð
ENGINEERING
48. GERENS HILL INTERNATIONAL SA ES - n.a. 1 - IP 08/2012 ð
49. GESTION TRIBUTARIA TERRITORIAL SA ES - n.a. 1 - IP 09/2011 ø
50. IBERDROLA SA ES - n.a. 1 - IP 09/2011 ø
51. IBERMATICA, SA ES - n.a. 1 - IP 08/2012 ð
53. MANILVA BEACH SA ES - n.a. 1 - IP 08/2012 ð
56. SERVIMATICA SOCIEDAD DE SERVICIOS ES - n.a. 1 - IP 03/2012 ø
INFORMATICOS S.A.
20 00
20 28
es
nager for more
nager for more
Watch
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
6,064.1 5,336.6 4,463.9 3,810.0

6,177.8 5,430.2 4,542.4 3,876.6
113.7 93.6 78.5 66.6
1,721.6 1,804.6 1,776.7 1,668.2
339.6 376.3 352.8 370.0
24.5 28.8 47.9 34.1
1,264.0 1,319.1 1,309.4 1,264.1
93.5 80.4 66.6 n.a.
7,785.7 7,141.2 6,240.6 5,478.2
136.0 111.0 97.6 149.4
155.1 132.5 98.6 114.4
8,076.8 7,384.7 6,436.8 5,742.0
4,996.9 4,648.0 4,235.8 4,010.6

3,946.2 3,644.7 3,223.8 2,850.5
12.1 9.2 17.0 171.5
1,038.6 994.1 995.0 988.6
2,107.0 1,847.1 1,363.2 961.1
34.5 20.7 16.9 11.5
n.a. n.a. n.a. n.a.
2,072.5 1,826.4 1,346.3 949.6
155.4 144.1 158.3 146.9
n.a. n.a. n.a. n.a.
26.0 28.6 28.1 27.5
791.5 716.9 651.4 595.9
8,076.8 7,384.7 6,436.8 5,742.0
37.7 31.6 36.4 33.1

113.7 93.6 78.5 66.6
464.3 542.4 563.3 545.0
1.6 1.1 0.6 0.4
1,764.6 1,709.2 1,396.4 1,252.5
0.0 0.0 0.0 n.a.

8.3 8.3 32.5 32.5

31/12/2007 31/12/2006 31/12/2005 31/12/2004
132.2 111.8 96.1 96.7
60.8 56.5 55.3 52.7
-0.8 2.7 2.3 1.9
0.0 0.0 0.0 n.a.
38.5 36.0 34.5 31.8

23.1 17.8 18.5 19.0
96.6 91.7 86.5 82.7
21.5 16.2 13.2 8.5
9.6 18.6 18.8 4.9
84.5 79.0 70.5 63.1
12.2 14.6 13.1 10.4
72.3 64.4 57.4 52.7
189.9 164.0 150.7 147.5
20.3 17.8 16.8 13.2
12.55 12.93 12.61 n.a.

10.06 10.48 11.91 n.a.
810.8 738.3 585.8 n.a.
649.9 598.4 553.2 n.a.
1.4 1.0 1.1 1.3
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
283.0 188.5 138.1 120.4
50.8 46.7 45.9 53.1
5.5 5.4 4.4 5.8
339.3 240.6 188.4 179.3
n.a. 109.0 82.8 78.2

207.1 19.8 9.5 4.4
207.1 128.8 92.3 82.6
132.2 111.8 96.1 96.7
-0.8 2.7 2.3 1.9

11.4 6.3 11.3 10.7
0.0 0.0 0.0 n.a.
0.0 0.0 0.0 n.a.

38.5 36.0 34.5 31.8
8.6 7.2 6.5 6.4
57.7 52.2 54.6 50.8
56.2 52.6 50.0 47.7
40.4 39.1 36.5 35.0
96.6 91.7 86.5 82.7
3.1 4.3 0.7 1.9

96.4 76.6 64.9 66.7
21.5 16.2 13.2 8.5
0.1 0.6 n.a. n.a.
74.8 59.8 51.7 58.2
0.0 n.a. n.a. n.a.

6.0 9.3 4.0 n.a.
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
3.7 9.9 14.8 4.9
84.5 79.0 70.5 63.1
12.2 14.6 13.1 10.4
n.a. n.a. n.a. n.a.
72.3 64.4 57.4 52.7
20.0 78.8 16.9 61.1

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
92.3 143.2 74.3 113.8
0.3 0.3 0.3 0.0
72.0 64.1 57.1 52.7
20.3 17.8 16.8 13.2

n.a. n.a. n.a. n.a.
3,089.7 2,844.4 n.a. n.a.
n.a. n.a. n.a. n.a.
228.5 226.3 2,668.8 1,966.9
2,352.6 1,797.9 1,374.2 1,048.5
507.0 561.6 499.4 861.2
113.7 93.6 78.5 66.6
6,064.1 5,336.6 4,463.9 3,810.0
6,177.8 5,430.2 4,542.4 3,876.6
37.7 31.6 36.4 33.1
n.a. n.a. n.a. n.a.
339.6 376.3 352.8 370.0

n.a. n.a. n.a. n.a.
28.4 90.4 146.9 93.1
24.5 28.8 47.9 34.1
1,196.0 1,193.3 1,137.2 1,152.5
n.a. n.a. n.a. n.a.
39.6 35.4 25.3 18.5
n.a. n.a. n.a. n.a.
1,288.5 1,347.9 1,357.3 1,298.2
762.9 863.6 895.8 866.9
n.a. n.a. n.a. n.a.
93.5 80.4 66.6 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
7,785.7 7,141.2 6,240.6 5,478.2
96.3 75.7 63.6 81.9

n.a. n.a. n.a. n.a.
10.1 11.8 12.4 11.7
136.0 111.0 97.6 149.4
0.0 0.0 0.0 0.0
1.6 1.1 0.6 0.4
0.9 0.6 2.5 2.4
12.1 14.5 12.5 12.7
n.a. n.a. n.a. n.a.
34.1 28.8 7.0 5.3
8,076.8 7,384.7 6,436.8 5,742.0
1,052.8 1,005.4 886.4 726.1

1,025.3 1,067.0 1,006.1 921.8
1,868.1 1,572.3 1,331.3 1,202.6
3,946.2 3,644.7 3,223.8 2,850.5
12.1 9.2 17.0 171.5
n.a. n.a. n.a. n.a.
1,038.6 994.1 995.0 988.6
4,996.9 4,648.0 4,235.8 4,010.6
1,722.5 1,564.0 1,153.7 917.1

8.3 8.3 32.5 32.5
341.7 254.1 160.1 n.a.
2,072.5 1,826.4 1,346.3 949.6
34.5 20.7 16.9 11.5
n.a. n.a. n.a. n.a.
7,103.9 6,495.1 5,599.0 4,971.7
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
26.0 28.6 28.1 27.5
11.9 15.5 21.4 19.7
46.5 47.8 49.9 42.6
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
97.0 80.8 87.0 84.6
7,285.3 6,667.8 5,785.4 5,146.1
0.0 0.0 0.0 n.a.
0.0 0.0 0.0 0.0
689.9 635.7 570.9 531.3

4.5 4.2 3.9 3.5
98.8 78.8 78.0 61.1
n.a. n.a. n.a. n.a.
-1.7 -1.8 -1.4 0.0
791.5 716.9 651.4 595.9

8,076.8 7,384.7 6,436.8 5,742.0
780.5 n.a. n.a. n.a.
780.5 n.a. n.a. n.a.
4.88 3.78 3.28 n.a.

n.a. 3.17 2.73 n.a.
4.55 3.60 3.22 n.a.

3.05 2.13 1.75 n.a.
1.77 1.67 1.64 n.a.

1.48 1.43 1.41 n.a.
1.77 1.67 1.64 n.a.

30.38 31.83 36.23 34.44
50.87 55.91 57.40 56.07
1.25 1.33 1.42 n.a.
12.78 11.20 10.41 n.a.
1.25 1.11 1.07 n.a.
22.41 21.93 20.34 12.74
9.92 8.74 8.29 n.a.

0.97 0.87 0.85 n.a.
14.44 18.48 18.58 16.48
1.49 1.34 1.40 n.a.
1.16 1.05 1.11 n.a.
9.59 9.41 9.20 n.a.

0.94 0.93 0.94 n.a.
12.24 20.93 11.91 n.a.
1.19 2.07 1.22 n.a.
0.93 0.92 n.a. n.a.
1.12 1.13 1.24 n.a.

1.43 2.51 1.60 n.a.
12.09 n.a. n.a. n.a.

12.09 n.a. n.a. n.a.
9.68 9.55 9.97 10.17
10.06 10.48 11.91 n.a.
12.55 12.93 12.61 n.a.
n.a. n.a. n.a. n.a.
9.80 9.71 10.12 10.38
28.08 27.64 29.27 25.05
21.99 12.43 22.61 11.60
n.a. n.a. n.a. n.a.

6.57 6.50 6.23 6.63
9.37 14.73 12.10 n.a.

13.77 19.54 17.17 n.a.
0.61 0.58 0.80 0.85
1.84 1.72 1.73 1.72
301.59 296.20 215.66 201.21
-9.60 -8.65 -6.46 -5.62
0.37 0.32 0.31 n.a.

0.02 0.02 0.03 n.a.
0.77 0.80 1.07 1.15
156.55 148.99 140.90 136.00

n.s. n.s. n.s. 215.74
55.82 56.29 57.75 57.47
33.0 61.3 n.a. n.a.
n.a. n.a. n.a. n.a.
363.4 321.9 304.4 265.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

1,368.2 1,326.0 1,092.0 987.5
9,841.4 9,093.9 7,833.2 6,994.5
6,458.1 5,710.0 4,645.5 n.a.
n.a. n.a. n.a. n.a.
6,458.1 5,710.0 4,645.5 n.a.
5,804.0 4,986.3 4,209.5 n.a.

7,463.5 6,690.9 5,859.4 n.a.
7,730.8 6,910.8 6,089.4 n.a.
47.2 61.3 n.a. n.a.
6,799.5 6,047.1 5,285.4 n.a.
662.8 603.3 551.1 n.a.
754.2 684.2 623.7 n.a.
3,795.5 3,434.3 3,037.2 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
303.0 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,369.1 2,334.2 2,046.2 1,805.0

1,185.8 337.8 627.8 539.7
391.3 972.7 549.8 505.8
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
8.3 8.3 32.5 32.5
n.a. n.a. n.a. n.a.
72.3 64.4 57.4 52.7

n.a. n.a. n.a. n.a.
72.3 n.a. n.a. n.a.
791.5 716.9 651.4 595.9

0.0 0.0 0.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
791.5 716.9 651.4 595.9
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.

0.0 0.0 0.0 0.0
1.6 1.1 0.6 0.4
9.4 11.4 10.4 12.7
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
780.5 n.a. n.a. n.a.

0.0 0.0 0.0 0.0
0.0 n.a. n.a. n.a.
780.5 n.a. n.a. n.a.
334.5 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
283.0 188.5 138.1 120.4
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. 109.0 82.8 78.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 61.2 108.6 62.4
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
28.4 29.2 27.4 21.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
28.4 90.4 136.0 83.4
94.1 107.2 116.7 161.0
762.9 802.4 787.2 804.5

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
283.0 219.6 232.0 182.8
56.0 64.1 1.3 4.2
1,196.0 1,193.3 1,137.2 1,152.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
762.9 802.4 787.2 804.5
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
367.4 312.9 260.7 208.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
1.4 1.0 1.1 1.3
92.5 82.4 67.7 56.8

21.2 11.2 10.8 9.8
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

689.9 635.7 570.9 531.3
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
4.5 4.2 3.9 3.5
787.0 712.7 647.5 592.4
791.5 716.9 651.4 531.3
98.8 78.8 78.0 61.1
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
98.8 78.8 78.0 61.1
-1.7 -1.8 -1.4 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
97.1 77.0 76.6 61.1
n.a. n.a. n.a. n.a.
97.1 77.0 76.6 61.1
0.0 0.0 0.0 0.0
791.5 716.9 651.4 595.9
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

20.3 17.8 16.8 13.2
20.3 17.8 16.8 13.2
n.a. n.a. n.a. n.a.
9.4 11.4 10.4 12.7
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0
649.9 598.4 553.2 n.a.

810.8 738.3 585.8 n.a.
10.06 10.48 11.91 n.a.
12.55 12.93 12.61 n.a.
6,458.1 5,710.0 4,645.5 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4.9 4.4 3.0 n.a.
1,288.5 1,347.9 1,357.3 1,298.2

n.a. n.a. n.a. n.a.
1,288.5 1,347.9 1,357.3 1,298.2
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
797 785 n.a. n.a.

124 122 118 n.a.
10.06 10.48 11.91 n.a.
n.a. n.a. n.a. n.a.
12.55 12.93 12.61 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
73.2 55.0 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
1.84 1.72 1.73 1.72

16.26 14.49 13.74 8.79
301.59 296.20 215.66 201.21
0.61 0.58 0.80 0.85
0.02 0.02 0.03 0.03
1.49 1.24 1.56 2.12
4.76 4.41 5.59 5.56
n.a. n.a. n.a. n.a.
10.06 10.48 11.91 n.a.
12.55 12.93 12.61 n.a.
9.80 9.71 10.12 10.38
13.05 13.43 14.59 15.64
15.84 15.42 15.38 14.86
10.88 10.77 11.32 11.65
9.90 9.82 10.63 10.94
13.19 13.59 15.32 16.49
16.01 15.60 16.15 15.67
10.99 10.89 11.89 12.29
1.04 1.15 4.75 5.17
1.77 1.67 1.64 1.77

1.71 1.62 1.58 1.68
0.79 0.82 0.91 0.92
1.53 1.56 1.64 1.59
0.97 0.87 0.85 1.01
-0.03 0.06 0.09 -0.10
0.94 0.93 0.94 0.92
9.59 9.41 9.20 8.84
28.08 27.64 29.27 25.05
6.90 6.81 6.51 6.63
13.28 28.88 32.75 9.30
50.05 54.49 57.13 55.36
1.25 1.11 1.07 1.16
n.s. n.s. n.s. 215.74

75.08 72.27 69.35 66.35
121.36 114.82 105.39 95.00
85.46 82.27 80.19 77.14
9.29 11.67 13.30 13.59
6.54 8.36 10.12 11.03
Bank information
Vari-
ation
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð 1.0 n.a.
ð n.a. n.a.
ø n.a. n.a.
ð 8.0 n.a.
ð n.a. 1.0
ð 3.0 23.0
ð - -
ð n.a. n.a.
ð 6.0 25.0
ð n.a. n.a.
ö <0,5 n.a.
ð n.a. n.a.
ð 3.0 10.0
ð <0,5 1.0
ð n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð - -
ð 7.0 103.0
ð 2.0 17.0
ð 117.0 1,262.0
ð n.a. n.a.
ö 6.0 42.0
ð 123.0 583.0
ö 7.0 8.0
ð 8.0 25.0
ð n.a. n.a.
ö 8.0 n.a.
ð <0,5 n.a.
ð 652.0 40.0
ð 48.0 71.0
ð 80,873.0 46,575.0
ð 9,577.0 31,857.0
- n.a. n.a.
ò n.a. n.a.
ð 8.0 28.0
ð <0,5 n.a.
- n.a. n.a.
ø 12.0 82.0
ð - -
ð n.a. n.a.
ø 39.0 391.0
ø 41,791.0 31,885.0
ð 351.0 2,000.0
ð n.a. n.a.
ð <0,5 1.0
ø 13.0 n.a.
ø 2.0 16.0
ø 11.0 40.0
Caja de Ahorros y Monte de Piedad de Ontinyent - Caixa Ontinyent
46870 ONTINYENT BvD ID number ESG46002796

Status Active
Contact details
Plaza de Sant Domingo, 24 Phone number +34 (96) 291 91 00

Fax number +34 (96) 291 91 60
46870 ONTINYENT Web Site Address www.caixaontinyent.es
SPAIN
Bank History :
Established in 1884.
Status Active Consolidation Code U1
Accounting Standards International Financial Nickname ONTI
Types of accounts Uncons. & Add. Uncons. Model ALLBANKS
available
Latest total assets 915 mil EUR Ranking (Country), 2011 61

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary
Unconsolidated statements IFRS IFRS IFRS IFRS

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 731.8 773.9 820.2 859.2
Gross Loans 763.0 801.3 845.0 878.4
Derivatives 15.6 11.7 10.0 6.2
Total Earning Assets 854.4 885.1 928.8 928.7
Fixed Assets 24.3 25.3 26.4 24.8
Total Assets 914.6 931.8 980.4 980.1

Deposits & Short term funding 645.3 624.2 685.1 713.8
Total Customer Deposits 609.6 586.3 650.5 651.6
Other interest bearing liabilities 175.0 215.2 215.5 192.0
Derivatives 1.0 1.1 1.5 2.8
Long term funding 174.0 214.1 214.0 189.2
Other Reserves 3.2 3.0 3.1 3.3
Equity 60.9 60.9 58.8 53.5
Total Liabilities & Equity 914.6 931.8 980.4 980.1
Notes
Off Balance Sheet Items 69.2 83.7 102.0 141.4

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives -0.4 0.3 0.5 -1.0
Statement
Overheads 17.5 19.1 20.1 20.6
Other -0.3 -1.2 -0.1 -0.3
Tax 0.1 0.9 0.9 1.4
Net Income 1.0 3.6 4.5 5.4
Total Capital Ratio n.a. n.a. n.a. n.a.

Tier 1 Ratio n.a. n.a. n.a. n.a.
Total Capital 84.4 85.1 n.a. n.a.
Tier 1 Capital 67.1 64.3 n.a. n.a.
Net-Charge Offs -2.5 1.0 0.1 0.3

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement


Other Interest Expense -2.2 -4.6 -1.2 4.6
Net Gains (Losses) on Trading and Derivatives -0.4 0.3 0.5 -1.0
Statement
Net Insurance Income n.a. n.a. 0.0 0.0
Equity-accounted Profit/ Loss - Operating n.a. n.a. 0.0 0.0

Securities and Other Credit Impairment Charges -0.3 0.6 -0.2 0.3

Non-recurring Expense n.a. n.a. 0.0 0.0
Pre-tax Profit 1.3 4.8 5.5 6.8
Tax expense 0.1 0.9 0.9 1.4
Profit/Loss from Discontinued Operations -0.2 -0.3 -0.1 0.0
Net Income 1.0 3.6 4.5 5.4

Memo: Profit Allocation to Non-controlling Interests n.a. n.a. n.a. n.a.
Balance Sheet
Assets
Loans
Other Loans 763.0 801.3 845.0 878.4
Net Loans 731.8 773.9 820.2 859.2
Gross Loans 763.0 801.3 845.0 878.4
Trading Securities and at FV through Income n.a. n.a. 0.0 0.0
Derivatives 15.6 11.7 10.0 6.2
Available for Sale Securities 47.5 25.8 20.6 15.7
Total Securities 91.4 104.7 97.5 62.8
Memo: Government Securities included Above 25.6 6.1 n.a. n.a.
Total Earning Assets 854.4 885.1 928.8 928.7
Non-earning Assets
Fixed Assets 24.3 25.3 26.4 24.8
Goodwill n.a. n.a. 0.0 0.0
Other Assets 0.6 0.7 2.8 2.7
Total Assets 914.6 931.8 980.4 980.1
Customer Deposits - Current 141.7 132.2 137.9 123.2
Customer Deposits - Term 321.4 309.3 368.2 395.8
Total Customer Deposits 609.6 586.3 650.5 651.6
Total Deposits, Money Market and Short-term 645.3 624.2 685.1 713.8
Funding
Total Long Term Funding 167.0 207.1 207.0 182.1
Derivatives 1.0 1.1 1.5 2.8
Total Funding 813.3 832.4 893.6 898.7
Total Liabilities 846.7 863.9 914.6 919.5
Hybrid Capital
Debt
Equity
Equity
Common Equity 63.6 63.1 60.7 57.8
Non-controlling Interest n.a. n.a. n.a. n.a.
OCI
Total Equity 60.9 60.9 58.8 53.5
Total Liabilities and Equity 914.6 931.8 980.4 980.1
Memo: Fitch Core Capital 54.3 55.3 58.6 53.2
Memo: Fitch Eligible Capital 61.3 62.3 65.6 60.3
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Pre-Impairment Operating Profit / Risk Weighted n.a. n.a. n.a. n.a.
Assets%
Operating Profit / Risk Weighted Assets% n.a. n.a. n.a. n.a.
%
%
Net Income/ Av. Total Assets plus Av. Managed n.a. n.a. 0.46 0.58
Securitized Assets%
Net Income/ Risk Weighted Assets% n.a. n.a. n.a. n.a.
Fitch Comprehensive Income/ Risk Weighted Assets n.a. n.a. n.a. n.a.
%
Capitalization
Fitch Core Capital/Weighted Risks% n.a. n.a. n.a. n.a.
Fitch Eligible Capital/ Weighted Risks% n.a. n.a. n.a. n.a.
Tier 1 Regulatory Capital Ratio% n.a. n.a. n.a. n.a.
Total Regulatory Capital Ratio% n.a. n.a. n.a. n.a.
Loan Quality
%
Net Charge-offs/ Average Gross Loans% -0.32 0.12 0.01 0.04
Foreclosed Assets%
Funding
Reference Data
Managed Securitized Assets Reported Off-Balance n.a. n.a. 0.0 0.0
Sheet
Other off-balance sheet exposure to securitizations n.a. n.a. 0.0 0.0
Guarantees 16.6 21.5 23.6 27.5

balance sheet
Total Business Volume 983.8 1,015.5 1,082.4 1,121.5
Memo: Total Weighted Risks n.a. n.a. n.a. n.a.
Fitch Adjusted Weighted Risks n.a. n.a. n.a. n.a.
Average Loans 783.3 824.5 860.4 854.6
Average Earning Assets 869.3 908.7 931.2 888.9
Average Assets 920.2 958.9 988.9 935.8
Average Managed Assets Securitized Assets (OBS) n.a. n.a. 0.0 0.0
Average Interest-Bearing Liabilities 819.3 866.5 903.5 851.3
Average Common equity 63.7 61.9 59.3 56.0
Average Equity 61.4 59.9 55.8 54.5
Average Customer Deposits 593.5 620.3 660.3 652.6
Maturities






Net Income 1.0 3.6 4.5 5.4
Equity 60.9 60.9 58.8 53.5
as Equity
Published Equity 60.9 60.9 58.8 n.a.

Total Equity as reported (including non-controlling 60.9 60.9 58.8 53.5
interests)
the B/S- CC only
Goodwill 0.0 0.0 0.0 0.0
securitizations
Fitch Core Capital 54.3 55.3 58.6 53.2
Fitch Eligible Capital 61.3 62.3 65.6 60.3
Assets
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 47.5 25.8 20.6 15.7

Asset Quality Data

Net Charge-offs
Recoveries 4.6 4.1 0.0 0.0
Net Charge-offs -2.5 1.0 0.1 0.3
Reserves

Capital
Eligible Capital

Retained Earnings n.a. n.a. 4.5 5.4
dividends
Non-controlling Interest n.a. n.a. n.a. n.a.
Other Common Equity 60.9 60.9 58.8 53.5
Total Common Equity 60.9 60.9 58.8 53.5
Valuation Reserves in OCI - Other 3.0 3.1 n.a. n.a.
Total Valuation Reserves in OCI 0.3 0.9 -1.9 -4.3
Other OCI Reserves 59.6 56.4 56.2 52.4
Total Reported Equity including Non-controlling 60.9 60.9 58.8 53.5
Interests
absorbing

Capital
Regulatory Capital
Regulatory Tier 1 Capital 67.1 64.3 n.a. n.a.
Total Regulatory Capital 84.4 85.1 n.a. n.a.
Risk Weighted Assets including floor/cap per Basel II n.a. n.a. n.a. n.a.

II
Capital Charge Credit Risk 40.8 46.4 n.a. n.a.
Capital Charge Operational Market Risk 4.5 4.8 n.a. n.a.
Capital
Total Securities 91.4 104.7 97.5 62.8
Unencumbered Securities 91.4 104.7 97.5 62.8
deposits
banks

loans
Number of Employees 224 232 239 256

Regulatory Tier I Capital Ratio% n.a. n.a. n.a. n.a.
Regulatory Total Capital Ratio% n.a. n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans -0.32 0.12 0.01 0.04
Capital
Equity / Net Loans 8.32 7.87 7.17 6.23
Operations
Liquidity
Interbank Ratio 146.70 15.77 34.15 20.31
Date News
1 07/01/2010 Caixa Ontinyent may merge with Bancaja or CAM (deal no.
1601148494)
Source : Zephyr
Boards & committees

1. Mr. Rafael Soriano Cairols - President of the Board BoD IN
P002289556 (since 28/04/2010)
2. Mr. Antonio Carbonell Tatay - Vice - president of the Board BoD IN
P115018871 (since 28/04/2010)
3. Mr. Rafael Serrano Gutierrez - Vice - president of the Board BoD IN
P103379463 (since 15/04/2004)
Management & staff

1. Mr. Vicente Penades Torro - General Manager SenMan IN
P042018218 (since 14/12/2006)
2. Mr. Rafael Alonso Albuixech - Administrator SenMan IN
P082780573 (since 03/05/2007)
3. Mr. Alfredo Bataller Palmer - Administrator SenMan IN
P065478891 (since 28/04/2010)
4. Mr. Roberto Bellver Villanueva - Administrator SenMan IN
P082780572 (since 03/05/2007)
5. Mr. Honorio Cabezuelo Castro - Administrator SenMan IN
P039842954 (since 03/05/2007)
6. Mr. Joan Baptista Cambra Mataix - Administrator SenMan IN
(since 07/05/1996)
P042018227
7. Mrs. Encarnacion Cambra - Administrator SenMan IN
Sanchez (since 03/05/2007)
P082780574
8. Mrs. Francisca Cambra Torro - Administrator SenMan IN
P082780569 (since 03/05/2007)
9. Mr. Jose Luis Climent Malpartida - Administrator SenMan IN
P042673025 (since 28/04/2010)
10. Mr. Jose Vicente Conejero Torro - Administrator SenMan IN
P082780568 (since 03/05/2007)
11. Mr. Juan Luis Gil Marti - Administrator SenMan IN
P002249835 (since 03/05/2007)
12. Mr. Vicente Gil Montes - Administrator SenMan IN
P039842958 (since 03/05/2007)
13. Mrs. Maria Clotilde Iborra Alcaraz - Administrator SenMan IN
(since 03/05/2007)
P039842960
14. Mr. Jose Iborra Richart - Administrator SenMan IN
P042217146 (since 28/04/2010)
15. Mr. Vicente Mompo Albinana - Administrator SenMan IN
P002249888 (since 15/04/2004)
16. Mr. Francisco Miguel Pacheco - Administrator SenMan IN
Notario (since 07/05/1996)
P082780571
17. Mr. Ignacio Palmer Gonzalez - Administrator SenMan IN
P082780570 (since 11/11/2007)
18. Mr. Sergio Jose Pastor Frances - Administrator SenMan IN
P042227289 (since 28/04/2010)
19. Mrs. Maria Angeles Quilis Pindado - Administrator SenMan IN
(since 03/05/2007)
P082780578
20. Mr. Jose Rafael Revert Fuset - Administrator SenMan IN
P082780580 (since 28/04/2010)
21. Mrs. Mariola Rico Rubio - Administrator SenMan IN
P082780577 (since 28/04/2010)
22. Mrs. Juana Dolores Saez Carrillo - Administrator SenMan IN
P039842965 (since 03/05/2007)
23. Mr. Juan Antonio Sanchez - Administrator SenMan IN
Landete (since 28/04/2010)
P082780579
24. Mr. Rafael Soriano Cabanes - Administrator SenMan IN
P042345342 (since 28/04/2010)
25. Mrs. Esther Soriano Martinez - Administrator SenMan IN
P082780575 (since 07/05/1996)
26. Mr. Gabriel Soriano Tortosa - Administrator SenMan IN
P039842967 (since 28/04/2010)
27. Mr. Joaquin Tormo Lorente - Administrator SenMan IN
P042566973 (since 28/04/2010)
28. Mr. Joaquin Torrejon Velardiez - Administrator SenMan IN
P039842968 (since 03/05/2007)
29. Mr. Eduardo Ubeda Mestre - Administrator SenMan IN
P082780576 (since 28/04/2010)

Ownership Source

1. CAIXA ONTINYENT PREFERENTS SA ES 100.00 100.00 1 UO+ IP 09/2011 ð

2. INICIATIVES I INVERSIONS COMARCALS ES 100.00 100.00 1 UO+ IP 09/2011 ð
SL
3. FUTUR I EXPANSIO 2010 SOCIEDAD ES 50.00 n.a. 1 - RM 12/2010 -
LIMITADA
4. ASISTIA SERVICIOS INTEGRALES SL ES 33.33 n.a. 1 - RM 12/2010 ð
5. PROTECTEL GESTION DE SEGURIDAD, SA ES 33.33 n.a. 1 - RM 12/2010 ð
6. DEPOSITO ADUANERO DE LA VALL ES 7.50 n.a. 1 - IP 03/2012 ö
D'ALBAIDA, SA
7. AUXILIAR DE COBROS E INFORMACION SA ES 1.52 n.a. 1 - IP 09/2011 ð
8. VIACAJAS, SA ES 0.30 n.a. 1 - IP 09/2011 ö

9. EURO 6000, SA ES 0.29 n.a. 1 - IP 08/2012 ð
10. SOCIEDAD DE GARANTIA RECIPROCA DE ES 0.10 n.a. 1 - IP 03/2012 ø
LA COMUNITAT VALENCIANA
11. COINVERSIONES 2008 S.L. ES - n.a. 1 - IP 09/2011 ð
12. LICO CORPORACION SA ES - n.a. 1 - IP 08/2012 ð
91 00
91 60
nyent.es
nager for more
nager for more
Watch
IFRS IFRS IFRS

Audited Audited Audited
Original Partial Partial
31/12/2007 31/12/2006 31/12/2005
803.1 730.9 663.5

819.6 745.4 678.1
16.5 14.5 14.6
59.5 106.6 54.3
19.6 76.8 33.2
1.7 4.4 11.3
33.0 23.1 9.7
5.2 2.3 0.1
862.6 837.5 717.8
21.8 21.5 23.2
20.1 14.9 22.2
904.5 873.9 763.2
675.2 654.6 582.9

657.0 629.8 560.8
18.2 24.8 22.1
0.0 n.a. n.a.
154.2 150.4 116.8
5.1 1.3 0.3
n.a. n.a. n.a.
149.1 149.1 116.5
15.6 19.8 14.5
1.8 n.a. n.a.
3.4 n.a. 4.0
54.3 49.1 45.0
904.5 873.9 763.2
8.0 6.4 7.0
18.3 14.5 14.6
33.8 86.3 44.3
0.2 0.1 0.2
182.8 163.4 148.6
7.1 7.1 0.0

12.0 12.0 11.5

31/12/2007 31/12/2006 31/12/2005
23.0 19.7 18.3
6.5 6.4 6.4
0.3 0.1 0.0
0.0 n.a. n.a.
5.1 5.1 5.0

1.1 1.2 1.4
19.0 17.7 17.1
2.1 1.0 1.1
0.2 0.3 0.6
8.6 7.7 7.1
2.1 2.5 2.0
6.5 5.2 5.1
29.5 26.1 24.7
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
41.7 34.5 28.3

3.1 n.a. 0.7
0.2 0.3 0.2
45.0 34.8 29.2
19.7 15.9 12.3

2.3 -0.8 -1.4
22.0 15.1 10.9
23.0 19.7 18.3
0.3 0.1 0.0

0.1 n.a. 0.1
0.0 n.a. n.a.
0.0 n.a. n.a.

5.1 5.1 5.0
1.0 1.2 1.3
6.5 6.4 6.4
11.8 11.1 10.9
7.2 6.6 6.2
19.0 17.7 17.1
0.0 n.a. 0.0

10.5 8.4 7.6
2.1 1.0 1.1
n.a. n.a. n.a.
8.4 7.4 6.5
0.0 n.a. n.a.

0.0 n.a. n.a.
0.0 n.a. n.a.
0.0 n.a. n.a.
0.2 0.3 0.6
8.6 7.7 7.1
2.1 2.5 2.0
0.0 n.a. n.a.
6.5 5.2 5.1
-0.1 -0.1 0.2

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
6.4 5.1 5.3
n.a. n.a. n.a.
6.5 5.2 5.1
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
819.6 745.4 678.1
16.5 14.5 14.6
803.1 730.9 663.5
819.6 745.4 678.1
8.0 6.4 7.0
n.a. n.a. n.a.
19.6 76.8 33.2

n.a. n.a. n.a.
0.0 n.a. n.a.
1.7 4.4 11.3
28.9 17.2 8.5
0.0 n.a. n.a.
0.2 0.1 1.2
3.9 5.8 n.a.
34.7 27.5 21.0
0.1 1.2 1.5
n.a. n.a. n.a.
5.2 2.3 n.a.
n.a. n.a. n.a.
n.a. n.a. 0.1
862.6 837.5 717.8
14.2 9.5 11.1

n.a. n.a. n.a.
0.1 0.2 n.a.
21.8 21.5 23.2
0.0 0.0 0.0
0.2 0.1 0.2
0.5 0.0 0.0
4.2 3.8 4.4
n.a. n.a. n.a.
0.9 1.3 6.5
904.5 873.9 763.2
n.a. n.a. 126.9

n.a. n.a. 128.9
657.0 629.8 305.0
657.0 629.8 560.8
18.2 24.8 22.1
n.a. n.a. n.a.
0.0 n.a. n.a.
675.2 654.6 582.9
130.0 130.0 105.0

12.0 12.0 11.5
n.a. n.a. n.a.
142.0 142.0 116.5
5.1 1.3 0.3
n.a. n.a. n.a.
822.3 797.9 699.7
n.a. n.a. n.a.

1.8 n.a. n.a.
3.4 n.a. 4.0
0.6 0.7 0.7
1.6 1.6 1.9
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
13.4 17.5 11.9
843.1 817.7 718.2
7.1 7.1 0.0
0.0 n.a. n.a.
54.3 49.0 44.8

n.a. n.a. n.a.
0.0 0.1 0.2
n.a. n.a. n.a.
0.0 0.0 0.0
54.3 49.1 45.0

904.5 873.9 763.2
54.1 49.0 n.a.
61.2 56.1 n.a.
5.33 4.85 n.a.

3.06 2.67 n.a.
5.29 4.47 n.a.

2.72 2.02 n.a.
2.71 2.53 n.a.

2.46 2.40 n.a.
2.71 2.53 n.a.
22.03 24.52 25.91

64.41 67.82 69.23
2.14 2.16 n.a.
20.31 17.83 n.a.
1.18 1.03 n.a.
20.00 11.90 14.47
16.25 15.71 n.a.

0.94 0.90 n.a.
24.42 32.47 28.17
n.a. n.a. n.a.
n.a. n.a. n.a.
12.57 11.04 n.a.

0.73 0.64 n.a.
12.38 10.83 n.a.
0.72 0.62 n.a.
0.73 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
5.98 5.53 5.74
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
6.00 5.62 5.90
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

11.97 10.59 11.33
3.50 14.50 n.a.

9.95 9.92 n.a.
0.98 0.86 1.03
2.01 1.95 2.15
206.25 226.56 208.57
-15.65 -16.50 -16.89
0.27 0.14 n.a.

n.a. n.a. n.a.
0.99 0.89 1.03
124.75 118.36 120.92

107.69 309.68 150.23
80.40 79.06 80.18
0.0 n.a. n.a.
0.0 n.a. n.a.
34.8 40.9 37.4

n.a. n.a. n.a.
n.a. n.a. n.a.

148.0 122.5 111.2
1,087.3 1,037.3 911.8
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
782.5 711.8 n.a.

850.1 777.7 n.a.
889.2 818.6 n.a.
0.0 n.a. n.a.
810.1 748.8 n.a.
51.7 46.9 n.a.
51.7 47.1 n.a.
643.4 595.3 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
19.3 60.4 15.8

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
12.0 12.0 11.5
n.a. n.a. n.a.
6.5 5.2 5.1

n.a. n.a. n.a.
6.5 n.a. n.a.
54.3 49.1 45.0

0.0 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
54.3 49.1 45.0
0.0 0.0 n.a.
0.0 0.0 n.a.

0.0 0.0 0.0
0.2 0.1 0.2
0.0 0.0 1.1
0.0 0.0 n.a.
0.0 0.0 n.a.
54.1 49.0 n.a.

7.1 7.1 0.0
0.0 0.0 n.a.
61.2 56.1 n.a.
23.2 21.0 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
41.7 34.5 28.3
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
19.7 15.9 12.3
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
11.3 13.8 4.8
0.1 1.2 1.5

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
17.5 2.2 2.2
n.a. n.a. n.a.
28.9 17.2 8.5
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
0.0 n.a. n.a.
0.1 1.2 1.5
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
17.5 2.2 2.2
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
12.6 11.7 11.0

4.0 2.9 3.6
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

54.3 49.0 44.8
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
54.3 49.1 45.0
54.3 49.0 44.8
0.0 0.1 0.2
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
0.0 0.1 0.2
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
0.0 0.1 0.2
n.a. n.a. n.a.
0.0 0.1 0.2
0.0 n.a. n.a.
54.3 49.1 45.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. 0.7 1.1
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
7.1 7.1 0.0
7.1 7.1 0.0
7.1 7.1 0.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
34.7 27.5 21.0

n.a. n.a. n.a.
34.7 27.5 21.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
8.2 3.4 5.9
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
2.23 1.95 2.15

9.13 5.08 6.01
228.75 226.56 208.57
0.97 0.86 1.03
n.a. n.a. n.a.
n.a. n.a. n.a.
14.73 13.04 15.56
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
6.00 5.62 5.90
6.76 6.72 6.78
8.04 7.50 7.72
6.53 6.09 6.37
8.12 7.80 7.40
9.14 9.33 8.52
10.87 10.42 9.69
8.83 8.47 8.00
16.35 17.60 20.35
2.71 2.53 2.55

2.59 2.41 2.40
0.73 0.78 0.84
2.37 2.29 2.39
0.95 0.90 0.85
-0.21 -0.27 -0.18
0.73 0.64 0.67
12.57 11.05 11.33
n.a. n.a. n.a.
n.a. n.a. n.a.
3.08 5.77 11.77
64.41 67.82 69.23
1.18 1.03 1.00
107.69 309.68 150.23

88.79 83.64 86.94
118.94 111.66 113.83
99.11 93.00 96.41
5.01 13.18 7.60
4.17 10.98 6.44
Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
ð n.a. n.a.
ð <0,5 n.a.
- n.a. n.a.
ð 1.0 17.0
ð 1.0 7.0
ö n.a. 1.0
ð 8.0 90.0
ö 7.0 8.0
ð 8.0 25.0
ø 24.0 88.0
ð n.a. n.a.
ð 117.0 1,262.0
ø 13.0 n.a.
Colonya, Caixa d'Estalvis de Pollensa
07460 POLLENSA BvD ID number ESG07000045

Status Active
Contact details
Plaça Major, 7 Phone number +34 (971) 53 01 62

Fax number +34 (971) 53 04 09
07460 POLLENSA Web Site Address www.colonya.es
SPAIN
Formerly known as Caja de Ahorros de Pollensa

Bank History :
Established in 1880. In December 1998, Caja de Ahorros de Pollensa changed its name to Colonya, Caixa d'Estalvis de
Pollensa.
Accounting Standards International Financial Nickname POLLIC
Types of accounts Cons., Uncons. & Add. Model ALLBANKS
available Uncons.
Latest total assets 353 mil EUR Ranking (Country), 2011 73

No of recorded 0
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary
Consolidated statements IFRS IFRS IFRS

Original Original Preliminary
31/12/2011 31/12/2010 31/12/2008
BALANCE SHEET
Assets
Loans 288.6 281.2 273.9
Gross Loans 296.5 288.4 273.9
Less: Reserves for Impaired Loans/ NPLs 7.9 7.2 n.a.
Other Earning Assets 47.3 49.9 28.6
Loans and Advances to Banks 1.9 1.5 2.3
Derivatives 0.6 1.1 0.1
Other Securities 39.6 43.5 26.1
Remaining earning assets 5.2 3.8 0.1
Total Earning Assets 335.9 331.1 302.5
Fixed Assets 11.6 12.0 15.4
Non-Earning Assets 5.8 7.5 9.3
Total Assets 353.3 350.6 327.2

Deposits & Short term funding 316.8 313.2 295.4
Total Customer Deposits 295.3 290.9 250.6
Deposits from Banks 21.5 22.3 44.8
Other Deposits and Short-term Borrowings n.a. n.a. n.a.
Other interest bearing liabilities 0.6 1.1 n.a.
Derivatives 0.6 1.1 n.a.
Trading Liabilities n.a. n.a. n.a.
Long term funding n.a. n.a. n.a.
Other (Non-Interest bearing) 7.3 8.4 7.3
Loan Loss Reserves n.a. n.a. n.a.
Other Reserves 0.8 0.8 0.9
Equity 27.8 27.1 23.6
Total Liabilities & Equity 353.3 350.6 327.2
Notes
Impaired Loans (Memo) 10.7 8.1 n.a.
Loan Loss Reserves (Memo) 7.9 7.2 n.a.
Liquid Assets (Memo) 5.2 6.5 9.1
Intangibles (Memo) 1.0 1.0 0.8
Off Balance Sheet Items 25.6 23.1 n.a.
Hybrid Capital (Memo) n.a. n.a. n.a.

Subordinated Debts (Memo) n.a. n.a. n.a.
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2008
Net Interest Revenue 7.6 8.4 9.8
Other Operating Income 2.4 3.3 2.0
Net Gains (Losses) on Trading and Derivatives n.a. 0.0 0.0
Net Gains (Losses) on Assets at FV through Income 0.0 n.a. n.a.
Statement
Net Fees and Commissions 2.0 1.9 1.2
Remaining Operating Income 0.4 1.4 0.8
Overheads 7.3 7.5 7.6
Loan Loss Provisions 1.0 0.9 1.2
Other -0.2 0.0 -0.3
Profit before Tax 1.5 3.3 2.7
Tax 0.4 0.8 0.5
Net Income 1.1 2.5 2.1
Operating Income (Memo) 10.0 11.7 11.8
Dividend Paid n.a. n.a. n.a.
Total Capital Ratio n.a. n.a. n.a.

Tier 1 Ratio n.a. n.a. n.a.
Total Capital n.a. n.a. n.a.
Tier 1 Capital n.a. n.a. n.a.
Net-Charge Offs n.a. n.a. n.a.

31/12/2011 31/12/2010 31/12/2008
Income Statement
Interest Income on Loans 12.8 13.0 n.a.
Other Interest Income 2.3 2.3 19.6
Dividend Income 0.0 0.3 0.3
Gross Interest and Dividend Income 15.1 15.6 19.9
Interest Expense on Customer Deposits 7.0 7.0 n.a.

Other Interest Expense 0.5 0.2 10.1
Total Interest Expense 7.5 7.2 10.1
Net Interest Income 7.6 8.4 9.8
Net Gains (Losses) on Trading and Derivatives n.a. 0.0 0.0

Net Gains (Losses) on Other Securities 0.3 0.4 0.0
Net Gains (Losses) on Assets at FV through Income 0.0 n.a. n.a.
Statement
Net Insurance Income n.a. n.a. n.a.
Net Fees and Commissions 2.0 1.9 1.2
Other Operating Income 0.1 1.0 0.8
Total Non-Interest Operating Income 2.4 3.3 2.0
Personnel Expenses 4.4 4.4 4.5
Other Operating Expenses 2.9 3.1 3.1
Total Non-Interest Expenses 7.3 7.5 7.6
Equity-accounted Profit/ Loss - Operating n.a. n.a. n.a.

Pre-Impairment Operating Profit 2.7 4.2 4.2
Loan Impairment Charge 1.0 0.9 1.2
Securities and Other Credit Impairment Charges n.a. n.a. n.a.
Operating Profit 1.7 3.3 3.0
Equity-accounted Profit/ Loss - Non-operating n.a. n.a. n.a.

Non-recurring Income n.a. n.a. n.a.
Non-recurring Expense n.a. n.a. n.a.
Change in Fair Value of Own Debt n.a. n.a. n.a.
Other Non-operating Income and Expenses -0.2 0.0 -0.3
Pre-tax Profit 1.5 3.3 2.7
Tax expense 0.4 0.8 0.5
Profit/Loss from Discontinued Operations n.a. n.a. -0.1
Change in Value of AFS Investments n.a. n.a. n.a.

Revaluation of Fixed Assets n.a. n.a. n.a.
Currency Translation Differences n.a. n.a. n.a.
Remaining OCI Gains/(losses) n.a. n.a. n.a.
Fitch Comprehensive Income 1.1 2.5 2.1
Memo: Profit Allocation to Non-controlling Interests n.a. n.a. n.a.
Memo: Net Income after Allocation to Non- 1.1 2.5 2.1

Memo: Common Dividends Relating to the Period n.a. n.a. n.a.
Memo: Preferred Dividends Related to the Period n.a. n.a. n.a.
Balance Sheet
Assets
Loans
Residential Mortgage Loans n.a. n.a. n.a.
Other Mortgage Loans n.a. n.a. n.a.
Other Consumer/ Retail Loans n.a. n.a. n.a.
Corporate & Commercial Loans n.a. n.a. n.a.
Other Loans 296.5 288.4 273.9
Less: Reserves for Impaired Loans/ NPLs 7.9 7.2 n.a.
Net Loans 288.6 281.2 273.9
Gross Loans 296.5 288.4 273.9
Memo: Impaired Loans included above 10.7 8.1 n.a.
Memo: Loans at Fair Value included above n.a. n.a. n.a.
Loans and Advances to Banks 1.9 1.5 2.3
Reverse Repos and Cash Collateral n.a. n.a. n.a.
Trading Securities and at FV through Income n.a. n.a. n.a.
Derivatives 0.6 1.1 0.1
Available for Sale Securities 0.8 1.0 0.6
Held to Maturity Securities 19.5 23.2 25.5
At-equity Investments in Associates n.a. n.a. n.a.
Other Securities 19.3 19.3 n.a.
Total Securities 40.2 44.6 26.2
Memo: Government Securities included Above n.a. n.a. n.a.
Memo: Total Securities Pledged n.a. n.a. n.a.
Investments in Property 2.7 2.6 n.a.
Insurance Assets n.a. n.a. n.a.
Other Earning Assets 2.5 1.2 0.1
Total Earning Assets 335.9 331.1 302.5
Non-earning Assets
Cash and Due From Banks 3.3 5.0 6.8
Memo: Mandatory Reserves included above n.a. n.a. n.a.
Foreclosed Real Estate n.a. n.a. n.a.
Fixed Assets 11.6 12.0 15.4
Goodwill n.a. n.a. 0.0
Other Intangibles 1.0 1.0 0.8
Current Tax Assets 0.1 0.0 0.0
Deferred Tax Assets 1.4 1.4 1.6
Discontinued Operations n.a. n.a. n.a.
Other Assets 0.0 0.1 0.1
Total Assets 353.3 350.6 327.2
Customer Deposits - Current 50.7 53.3 250.6
Customer Deposits - Savings 45.1 44.2 n.a.
Customer Deposits - Term 199.5 193.4 n.a.
Total Customer Deposits 295.3 290.9 250.6
Deposits from Banks 21.5 22.3 44.8
Repos and Cash Collateral n.a. n.a. n.a.
Other Deposits and Short-term Borrowings n.a. n.a. n.a.
Total Deposits, Money Market and Short-term 316.8 313.2 295.4
Funding
Senior Debt Maturing after 1 Year n.a. n.a. n.a.
Subordinated Borrowing n.a. n.a. n.a.
Other Funding n.a. n.a. n.a.
Total Long Term Funding n.a. n.a. n.a.
Derivatives 0.6 1.1 n.a.
Trading Liabilities n.a. n.a. n.a.
Total Funding 317.4 314.3 295.4
Fair Value Portion of Debt n.a. n.a. n.a.
Credit impairment reserves n.a. n.a. n.a.
Reserves for Pensions and Other 0.8 0.8 0.9
Current Tax Liabilities 0.3 0.7 0.6
Deferred Tax Liabilities 2.6 2.6 2.7
Other Deferred Liabilities n.a. n.a. n.a.
Discontinued Operations n.a. n.a. n.a.
Insurance Liabilities n.a. n.a. n.a.
Other Liabilities 4.4 5.1 4.0
Total Liabilities 325.5 323.5 303.6
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as n.a. n.a. n.a.
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. n.a. n.a.
Equity
Equity
Common Equity 27.8 27.1 23.6
Non-controlling Interest n.a. n.a. n.a.
Securities Revaluation Reserves n.a. n.a. n.a.
Foreign Exchange Revaluation Reserves n.a. n.a. n.a.
Fixed Asset Revaluations and Other Accumulated OCI n.a. n.a. n.a.
Total Equity 27.8 27.1 23.6

Total Liabilities and Equity 353.3 350.6 327.2
Memo: Fitch Core Capital 26.8 26.1 n.a.
Memo: Fitch Eligible Capital 26.8 26.1 n.a.
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans% 4.38 n.a. n.a.
Interest Expense on Customer Deposits/ Average 2.39 n.a. n.a.
Customer Deposits%
Interest Income/ Average Earning Assets% 4.53 n.a. n.a.
Interest Expense/ Average Interest-bearing 2.37 n.a. n.a.
Liabilities%
Net Interest Income/ Average Earning Assets% 2.28 n.a. n.a.
Net Int. Inc Less Loan Impairment Charges/ Av. 1.98 n.a. n.a.
Earning Assets%
Net Interest Inc Less Preferred Stock Dividend/ 2.28 n.a. n.a.
Non-Interest Income/ Gross Revenues% 24.00 28.21 16.95
Non-Interest Expense/ Gross Revenues% 73.00 64.10 64.41
Non-Interest Expense/ Average Assets% 2.07 n.a. n.a.
Pre-impairment Op. Profit/ Average Equity% 9.82 n.a. n.a.
Pre-impairment Op. Profit/ Average Total Assets% 0.77 n.a. n.a.
Loans and securities impairment charges/ Pre- 37.04 21.43 28.57
Operating Profit/ Average Equity% 6.18 n.a. n.a.
Operating Profit/ Average Total Assets% 0.48 n.a. n.a.
Taxes/ Pre-tax Profit% 26.67 24.24 18.52
Pre-Impairment Operating Profit / Risk Weighted n.a. n.a. n.a.
Assets%
Operating Profit / Risk Weighted Assets% n.a. n.a. n.a.
Net Income/ Average Total Equity% 4.00 n.a. n.a.
Net Income/ Average Total Assets% 0.31 n.a. n.a.
Fitch Comprehensive Income/ Average Total Equity% 4.00 n.a. n.a.
Fitch Comprehensive Income/ Average Total Assets 0.31 n.a. n.a.

%
Net Income/ Av. Total Assets plus Av. Managed n.a. n.a. n.a.
Securitized Assets%
Net Income/ Risk Weighted Assets% n.a. n.a. n.a.
Fitch Comprehensive Income/ Risk Weighted Assets n.a. n.a. n.a.
%
Capitalization
Fitch Core Capital/Weighted Risks% n.a. n.a. n.a.
Fitch Eligible Capital/ Weighted Risks% n.a. n.a. n.a.
Tangible Common Equity/ Tangible Assets% 7.61 7.47 6.53
Tier 1 Regulatory Capital Ratio% n.a. n.a. n.a.
Total Regulatory Capital Ratio% n.a. n.a. n.a.
Core Tier 1 Regulatory Capital Ratio% n.a. n.a. n.a.
Equity/ Total Assets% 7.87 7.73 7.21
Cash Dividends Paid & Declared/ Net Income% n.a. n.a. n.a.
Cash Dividend Paid & Declared/ Fitch Comprehensive n.a. n.a. n.a.
Income%
Cash Dividends & Share Repurchase/Net Income% n.a. n.a. n.a.
Net Income - Cash Dividends/ Total Equity% 3.96 9.23 8.90
Loan Quality
Growth of Total Assets% 0.77 7.15 n.a.
Growth of Gross Loans% 2.81 5.29 n.a.
Impaired Loans(NPLs)/ Gross Loans% 3.61 2.81 n.a.
Reserves for Impaired Loans/ Gross loans% 2.66 2.50 n.a.
Reserves for Impaired Loans/ Impaired Loans% 73.83 88.89 n.a.
Impaired Loans less Reserves for Imp Loans/ Equity 10.07 3.32 n.a.
%
Loan Impairment Charges/ Average Gross Loans% 0.34 n.a. n.a.
Net Charge-offs/ Average Gross Loans% n.a. n.a. n.a.
Impaired Loans + Foreclosed Assets/ Gross Loans + 3.61 2.81 n.a.
Foreclosed Assets%
Funding
Loans/ Customer Deposits% 100.41 99.14 109.30
Interbank Assets/ Interbank Liabilities% 8.84 6.73 5.13
Customer Deposits/ Total Funding excl Derivatives% 93.21 92.88 84.83
Reference Data
Managed Securitized Assets Reported Off-Balance n.a. n.a. n.a.
Sheet
Other off-balance sheet exposure to securitizations n.a. n.a. n.a.
Guarantees 6.4 6.3 n.a.

Acceptances and documentary credits reported off- n.a. n.a. n.a.
balance sheet
Committed Credit Lines n.a. n.a. n.a.
Other Contingent Liabilities 19.2 16.8 n.a.
Total Business Volume 378.9 373.7 327.2
Memo: Total Weighted Risks n.a. n.a. n.a.
Fitch Adjustments to Weighted Risks. n.a. n.a. n.a.
Fitch Adjusted Weighted Risks n.a. n.a. n.a.
Average Loans 292.5 n.a. n.a.
Average Earning Assets 333.5 n.a. n.a.
Average Assets 352.0 n.a. n.a.
Average Managed Assets Securitized Assets (OBS) n.a. n.a. n.a.
Average Interest-Bearing Liabilities 315.9 n.a. n.a.
Average Common equity 27.5 n.a. n.a.
Average Equity 27.5 n.a. n.a.
Average Customer Deposits 293.1 n.a. n.a.
Maturities
Loans & Advances < 3 months n.a. n.a. n.a.
Loans & Advances 3 - 12 Months n.a. n.a. n.a.
Loans and Advances 1 - 5 Years n.a. n.a. n.a.
Loans & Advances > 5 years n.a. n.a. n.a.
Debt Securities < 3 Months n.a. n.a. n.a.

Debt Securities 3 - 12 Months n.a. n.a. n.a.
Debt Securities 1 - 5 Years n.a. n.a. n.a.
Debt Securities > 5 Years n.a. n.a. n.a.
Interbank < 3 Months n.a. n.a. n.a.

Interbank 3 - 12 Months n.a. n.a. n.a.
Interbank 1 - 5 Years n.a. n.a. n.a.
Interbank > 5 Years n.a. n.a. n.a.
Retail Deposits < 3 months n.a. n.a. n.a.

Retail Deposits 3 - 12 Months n.a. n.a. n.a.
Retail Deposits 1 - 5 Years n.a. n.a. n.a.
Retail Deposits > 5 Years n.a. n.a. n.a.
Other Deposits < 3 Months n.a. n.a. n.a.

Other Deposits 3 - 12 Months n.a. n.a. n.a.
Other Deposits 1 - 5 Years n.a. n.a. n.a.
Other Deposits > 5 Years n.a. n.a. n.a.
Interbank < 3 Months n.a. n.a. n.a.
Interbank 3 - 12 Months n.a. n.a. n.a.
Interbank 1 - 5 Years n.a. n.a. n.a.
Interbank > 5 Years n.a. n.a. n.a.
Senior Debt Maturing < 3 months n.a. n.a. n.a.

Senior Debt Maturing 3-12 Months n.a. n.a. n.a.
Senior Debt Maturing 1- 5 Years n.a. n.a. n.a.
Senior Debt Maturing > 5 Years n.a. n.a. n.a.
Total Senior Debt on Balance Sheet n.a. n.a. n.a.
Fair Value Portion of Senior Debt n.a. n.a. n.a.
Covered Bonds n.a. n.a. n.a.
Subordinated Debt Maturing < 3 months n.a. n.a. n.a.
Subordinated Debt Maturing 3-12 Months n.a. n.a. n.a.
Subordinated Debt Maturing 1- 5 Year n.a. n.a. n.a.
Subordinated Debt Maturing > 5 Years n.a. n.a. n.a.
Total Subordinated Debt on Balance Sheet n.a. n.a. n.a.
Fair Value Portion of Subordinated Debt n.a. n.a. n.a.
Add: Other Adjustments n.a. n.a. n.a.
Published Net Income 1.1 2.5 n.a.
Equity 27.8 27.1 23.6
Add: Pref. Shares and Hybrid Capital accounted for n.a. n.a. n.a.
as Equity
Add: Other Adjustments n.a. n.a. n.a.
Published Equity 27.8 27.1 n.a.

Total Equity as reported (including non-controlling 27.8 27.1 23.6
interests)
Fair value effect incl in own debt/borrowings at fv on 0.0 0.0 n.a.
the B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 0.0 n.a.
Goodwill 0.0 0.0 0.0
Other intangibles 1.0 1.0 0.8
Deferred tax assets deduction 0.0 0.0 1.6
Net asset value of insurance subsidiaries 0.0 0.0 n.a.
First loss tranches of off-balance sheet 0.0 0.0 n.a.
securitizations
Fitch Core Capital 26.8 26.1 n.a.
Eligible weighted Hybrid capital 0.0 0.0 n.a.
Government held Hybrid Capital 0.0 0.0 n.a.
Fitch Eligible Capital 26.8 26.1 n.a.
Eligible Hybrid Capital Limit 11.5 11.2 n.a.
Interest Income on Mortgage Loans n.a. n.a. n.a.
Interest Income on Other Consumer/ Retail Loans n.a. n.a. n.a.
Interest Income on Corporate & Commercial Loans n.a. n.a. n.a.
Interest Income on Other Loans n.a. n.a. n.a.
Total Interest Income on Loans 12.8 13.0 n.a.
Memo: Interest on Leases included in Loan Interest n.a. n.a. n.a.
Memo: Interest Income on Impaired Financial Assets n.a. n.a. n.a.
Interest Expense on Customer Deposits - Current n.a. n.a. n.a.

Interest Expense on Customer Deposits - Savings n.a. n.a. n.a.
Interest Expense on Customer Deposits - Term n.a. n.a. n.a.
Total Interest Expense on Customer Deposits 7.0 7.0 n.a.
Total Interest Expense on Other Deposits and ST n.a. n.a. n.a.
Borrowing
Interest Expense on Long-term Borrowing n.a. n.a. n.a.
Interest Expense on Subordinated Borrowing n.a. n.a. n.a.
Interest Expense on Other Funding n.a. n.a. n.a.
Total Interest Expense on Long-term Funding n.a. n.a. n.a.
Memo: Interest on Hybrids included above n.a. n.a. n.a.
Memo: Interest Expense on Leases included above n.a. n.a. n.a.
Income from Foreign Exchange (ex trading) n.a. n.a. n.a.
Negative Goodwill in Non-operating Income n.a. n.a. n.a.
Goodwill write-off n.a. n.a. n.a.
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a. n.a.
breakdown)
Trading Assets - Debt Securities - Governments n.a. n.a. n.a.
Trading Assets - Debt Securities - Banks n.a. n.a. n.a.
Trading Assets - Debt Securities - Corporates n.a. n.a. n.a.
Trading Assets - Debt Securities - Structured n.a. n.a. n.a.
Trading Assets - Equities n.a. n.a. n.a.
Trading Assets - Commodities n.a. n.a. n.a.
Debt Sec. designated at FV through the Income n.a. n.a. n.a.
Debt Securities designated at FV through the Income n.a. n.a. n.a.
Statement - Banks
Equity Securities designated at FV through the n.a. n.a. n.a.
Income Statement
Loans at FV through the Income Statement n.a. n.a. n.a.
Trading Assets - Other n.a. n.a. n.a.
Total Trading Assets at FV through the Income n.a. n.a. n.a.
Statement
AFS Assets - Debt Securities (where no issuer n.a. n.a. n.a.
breakdown)
AFS Assets - Government n.a. n.a. n.a.
AFS Assets - Banks n.a. n.a. n.a.
AFS Assets - Corporates n.a. n.a. n.a.
AFS Assets - Structured n.a. n.a. n.a.
AFS Assets - Equities n.a. n.a. n.a.
AFS Assets - Other n.a. n.a. n.a.
Total AFS Assets 0.8 1.0 0.6
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. n.a.
HTM - Government n.a. n.a. n.a.

HTM Assets - Banks n.a. n.a. n.a.
HTM Assets - Corporates n.a. n.a. n.a.
HTM Assets - Structured n.a. n.a. n.a.
Total HTM Debt Securities 19.5 23.2 25.5
Total Debt Securities - Government n.a. n.a. n.a.
Total Debt Securities - Banks n.a. n.a. n.a.
Total Debt Securities - Corporates n.a. n.a. n.a.
Total Debt Securities - Structured n.a. n.a. n.a.
Total Debt Securities - Equities & Other n.a. n.a. n.a.
Asset Quality Data

Net Charge-offs
Gross Charge-offs n.a. n.a. n.a.
Recoveries n.a. n.a. n.a.
Net Charge-offs n.a. n.a. n.a.
Reserves
Collective/General Loan Impairment Reserves 3.2 3.2 n.a.
Individual/Specific Loan Impairment Reserves 4.7 4.7 n.a.
Normal Loans n.a. n.a. n.a.
Special Mention Loans n.a. n.a. n.a.
Substandard Loans n.a. n.a. n.a.
Doubtful Loans n.a. n.a. n.a.
Loss Loans n.a. n.a. n.a.
Other Classified Loans n.a. n.a. n.a.
+90 Days past due n.a. n.a. n.a.

Nonaccrual Loans n.a. n.a. n.a.
Restructured Loans n.a. n.a. n.a.
Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital n.a. n.a. n.a.
Legal Reserves n.a. n.a. n.a.

Retained Earnings 26.7 24.6 23.6
Profit/Loss Reserve/Income for the period net of 1.1 2.5 n.a.
dividends
Stock Options to be Settled in Equity n.a. n.a. n.a.
Treasury Shares n.a. n.a. n.a.
Non-controlling Interest n.a. n.a. n.a.
Other Common Equity 27.8 27.1 23.6
Total Common Equity 27.8 27.1 23.6
Valuation Reserves for AFS Securities in OCI Total n.a. n.a. n.a.
Valuation Reserves for FX in OCI n.a. n.a. n.a.
Valuation Reserves for PP&E/Fixed Assets in OCI n.a. n.a. n.a.
Valuation Reserves in OCI - Other n.a. n.a. n.a.
Total Valuation Reserves in OCI n.a. n.a. n.a.
Cash Flow Hedge Reserve n.a. n.a. n.a.
Stock Options to be Settles with Equity Securities n.a. n.a. n.a.
Pension Reserve Direct to Equity n.a. n.a. n.a.
Other OCI Reserves n.a. n.a. n.a.
Total OCI Reserves n.a. n.a. n.a.
Other Equity Reserves n.a. n.a. n.a.
Total Other Equity Reserves n.a. n.a. n.a.
Hybrid Securities Reported in Equity n.a. n.a. n.a.
Total Reported Equity including Non-controlling 27.8 27.1 23.6
Interests
Non-controlling Minority Interest - not loss-absorbing n.a. n.a. n.a.
Component of Convertible Bond Reported in Equity n.a. n.a. n.a.
Other Non-loss Absorbing Items Reported in Equity n.a. n.a. n.a.
Dividend Declared after Year-End n.a. n.a. n.a.

Total Dividends Related to Period n.a. n.a. n.a.
Total Dividends Paid and Declared in Period n.a. n.a. n.a.
Share Repurchase n.a. n.a. n.a.
Deferred Tax Assets to be Deducted from Core 0.0 0.0 1.6
Capital
Intangibles to be deducted from Core Capital n.a. n.a. n.a.
Embedded Value n.a. n.a. n.a.
Hybrid Capital Fitch Class A n.a. n.a. n.a.
Hybrid Capital Fitch Class B n.a. n.a. n.a.
Hybrid Capital Fitch Class C n.a. n.a. n.a.
Hybrid Capital Fitch Class D n.a. n.a. n.a.
Hybrid Capital Fitch Class E n.a. n.a. n.a.
Weighted Total of Fitch Hybrid Capital Classes 0.0 0.0 n.a.
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 0.0 0.0 n.a.
Regulatory Tier 1 Capital n.a. n.a. n.a.
Total Regulatory Capital n.a. n.a. n.a.
Tier 1 Regulatory Capital Ratio% n.a. n.a. n.a.
Total Regulatory Capital Ratio% n.a. n.a. n.a.
Risk Weighted Assets including floor/cap per Basel II n.a. n.a. n.a.
Risk Weighted Assets - Credit Risk n.a. n.a. n.a.

Risk Weighted Assets - Market Risk n.a. n.a. n.a.
Risk Weighted Assets - Operational Market Risk n.a. n.a. n.a.
Risk Weighted Assets - Other n.a. n.a. n.a.
Risk-Weighted Assets excluding Floor/Cap per Basel n.a. n.a. n.a.
II
Capital Charge Credit Risk n.a. n.a. n.a.
Capital Charge Market Risk n.a. n.a. n.a.
Capital Charge Operational Market Risk n.a. n.a. n.a.
Net Open FX Positions n.a. n.a. n.a.
Value at Risk in Line with Basel II/CRD/Nat. Leg. n.a. n.a. n.a.
Standardised Interest Rate Shock n.a. n.a. n.a.
IRB Banks: Expected Loss n.a. n.a. n.a.
IRB Banks: Loan Loss Reserves n.a. n.a. n.a.
First Loss Pieces Retained from Securitisations n.a. n.a. n.a.
Equity Investments deducted from Regulatory n.a. n.a. n.a.
Capital
Total Securities 40.2 44.6 26.2
Pledged Securities n.a. n.a. n.a.
Unencumbered Securities 40.2 44.6 26.2
Reverse repurchase agreements included in loans n.a. n.a. n.a.
Reverse repurchase agreements included in loans n.a. n.a. n.a.
Reverse repurchase agreements in assets - other n.a. n.a. n.a.
Cash collateral on securities borrowed n.a. n.a. n.a.
Repurchase agreements included in customer n.a. n.a. n.a.
deposits
Repurchase agreements included in deposits from n.a. n.a. n.a.
banks
Repurchase agreements included in liabilities - other n.a. n.a. n.a.
Cash collateral on securities lent n.a. n.a. n.a.

Average Reverse repurchase agreements included in n.a. n.a. n.a.
loans
Number of Employees 89 86 n.a.

Number of Branches n.a. n.a. n.a.
Regulatory Tier I Capital Ratio% n.a. n.a. n.a.
Core Tier 1 Regulatory Capital Ratio% n.a. n.a. n.a.
Regulatory Total Capital Ratio% n.a. n.a. n.a.
Leverage Ratio% n.a. n.a. n.a.
Assets under Management n.a. n.a. n.a.
Assets under Administration n.a. n.a. n.a.
Total Trust Assets n.a. n.a. n.a.
Deposits of Governments and Municipalities n.a. n.a. n.a.
Total Exposure to Central Bank 1.2 2.8 n.a.
Government n.a. n.a. n.a.
Related Party Loans n.a. n.a. n.a.
Trust Account Loans n.a. n.a. n.a.
Lease financing n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2008
Assets Quality
Loan Loss Res / Gross Loans 2.66 2.50 n.a.
Loan Loss Prov / Net Int Rev 13.16 10.71 12.25
Loan Loss Res / Impaired Loans 73.83 88.89 n.a.
Impaired Loans / Gross Loans 3.61 2.81 n.a.
NCO / Average Gross Loans n.a. n.a. n.a.
NCO / Net Inc Bef Ln Lss Prov n.a. n.a. n.a.
Impaired Loans / Equity 38.49 29.89 n.a.
Unreserved Impaired Loans / Equity 10.07 3.32 n.a.
Capital
Tier 1 Ratio n.a. n.a. n.a.
Total Capital Ratio n.a. n.a. n.a.
Equity / Tot Assets 7.87 7.73 7.21
Equity / Net Loans 9.63 9.64 8.62
Equity / Cust & Short Term Funding 8.78 8.65 7.99
Equity / Liabilities 8.54 8.38 7.77
Cap Funds / Tot Assets n.a. n.a. n.a.
Cap Funds / Net Loans n.a. n.a. n.a.
Cap Funds / Dep & ST Funding n.a. n.a. n.a.
Cap Funds / Liabilities n.a. n.a. n.a.
Subord Debt / Cap Funds n.a. n.a. n.a.
Operations
Net Interest Margin 2.28 2.65 3.24
Net Int Rev / Avg Assets 2.16 2.48 3.00
Oth Op Inc / Avg Assets 0.68 0.97 0.61
Non Int Exp / Avg Assets 2.36 2.48 2.69
Pre-Tax Op Inc / Avg Assets 0.48 0.97 0.92
Non Op Items & Taxes / Avg Ast -0.17 -0.24 -0.24
Return On Avg Assets (ROAA) 0.31 0.74 0.64
Return On Avg Equity (ROAE) 4.01 9.86 8.90
Dividend Pay-Out n.a. n.a. n.a.
Inc Net Of Dist / Avg Equity n.a. n.a. n.a.
Non Op Items / Net Income -18.18 0.00 -14.29
Cost To Income Ratio 73.00 64.10 64.41
Recurring Earning Power 0.77 1.24 1.28
Liquidity
Interbank Ratio 8.84 6.73 5.13
Net Loans / Tot Assets 81.69 80.21 83.71
Net Loans / Dep & ST Funding 91.10 89.78 92.72
Net Loans / Tot Dep & Bor 90.93 89.47 n.a.
Liquid Assets / Dep & ST Funding 1.64 2.08 3.08
Liquid Assets / Tot Dep & Bor 1.64 2.07 n.a.
There are no mergers & acquisitions deals available for this bank.

Boards & committees
1. Mr. Josep Antoni Cifre Rodriguez - President of the Board BoD IN
P042225884 (since 05/08/2008)
2. Mr. Francisco Jesus Fiol Amengual - Vice - president of the Board BoD IN
(since 05/10/2000)
P042225885
3. Mr. Pere Nadal Forteza - Vice - president of the Board BoD IN
P042225890 (since 15/10/2010)
4. Mr. Fernando Joaquin Porto Vila - Vice - president of the Board BoD IN
P002187534 (since 15/10/2010)
5. Mr. Francisco Antonio Romero - Vice - president of the Board BoD IN
Daniel (since 05/10/2000)
P039854555
Management & staff

1. Mr. Gabriel Bauza Manresa - General Manager SenMan IN
P062920160 (since 26/06/2009)
2. Mr. Jaume Adrover Canaves - Administrator SenMan IN
P042225902 (since 13/07/2007)
3. Mr. Jordi Albis Ferragut - Administrator SenMan IN
P098795179 (since 15/10/2010)
4. Mr. Antonio Alfonso Baeza De - Administrator SenMan IN
Oleza (since 15/10/2010)
P117220224
5. Mr. Gabriel Bauza Alberti - Administrator SenMan IN
P042083523 (since 13/07/2007)
6. Mr. Javier Bauza Deroulede - Administrator SenMan IN
P082787258 (since 13/07/2007)
7. Mr. Cristobal Borras Cerda - Administrator SenMan IN
P082787259 (since 13/07/2007)
8. Mr. Guillermo Buades Beltran - Administrator SenMan IN
P082787256 (since 18/08/1998)
9. Mrs. Margarita Pilar Buades Fiol - Administrator SenMan IN
P082787257 (since 15/10/2010)
10. Mr. Joan Cerda Rull - Administrator SenMan IN
P042225911 (since 13/07/2007)
11. Mr. Martin Cifre Cifre - Administrator SenMan IN
P002187385 (since 13/07/2007)
12. Mr. Josep Cifre Salas - Administrator SenMan IN
P082787252 (since 26/06/2008)
13. Mrs. Joana Colom Cifre - Administrator SenMan IN
P082787251 (since 15/10/2010)
14. Mrs. Maria Cortes Cifre - Administrator SenMan IN
P082787254 (since 13/07/2007)
15. Mrs. Sofia Fernandez Roldan - Administrator SenMan IN
P082787255 (since 15/10/2010)
16. Mr. Martin Garcia Marti - Administrator SenMan IN
P082787253 (since 18/08/1998)
17. Mr. Sebastian Gomez Sanchez - Administrator SenMan IN
P102123179 (since 15/10/2010)
18. Mrs. Margarita Mella Torrandell - Administrator SenMan IN
P082787267 (since 05/10/2000)
19. Mr. Antonio Mir Llabres - Administrator SenMan IN
P042742035 (since 15/10/2010)
20. Mrs. Antonia Oliver Amengual - Administrator SenMan IN
P082787266 (since 13/07/2007)
21. Mrs. Magdalena Pallicer Simo - Administrator SenMan IN
(since 15/10/2010)
P082787268 (since 15/10/2010)
22. Mr. Pere Pomar Sureda - Administrator SenMan IN
P082787270 (since 15/10/2010)
23. Mrs. Francisca Maria Ramon Perez - Administrator SenMan IN
De Rada (since 15/10/2010)
P039854554
24. Mr. Pere Rotger Llabres - Administrator SenMan IN
P082787269 (since 15/10/2010)
25. Mrs. Francesca Rotger Tugores - Administrator SenMan IN
P042225888 (since 15/10/2010)
26. Mrs. Carmen Sagrado Mezquida - Administrator SenMan IN
P082787262 (since 05/10/2000)
27. Mr. Rafael Torres Gomez - Administrator SenMan IN
P082787261 (since 15/10/2010)
28. Mr. Jaume Tugores Vives - Administrator SenMan IN
P039854567 (since 13/07/2007)
29. Mr. Josep Vilanova Cerda - Administrator SenMan IN
P042225893 (since 26/06/2008)
30. Mr. Bartomeu Vilanova Suau - Administrator SenMan IN
P082787265 (since 05/10/2000)
31. Mr. Fernando F. Villalobos - Administrator SenMan IN
Cabrera (since 15/10/2010)
P082787263
32. Mr. Mateo Vives Pascual - Administrator SenMan IN
P082787264 (since 18/08/1998)
33. Mrs. Catalina Canaves - Finance Director FinAcc IN
P082787250 (since 26/09/2006)
34. Mrs. Agustina Bosch - Human Resources Director HR IN
P082787249 (since 30/09/2009)
- Sales Director Sales IN
(since 26/09/2006)

Ownership Source

1. COLONYA INTERMEDIACIO OPERADOR DE ES 100.00 100.00 1 UO+ IP 09/2011
BANCA-SEGUROS VINCULADO S.A.
2. COLONYA INVERSIONS SA ES 100.00 100.00 1 UO+ IP 09/2011
3. CENTRO DE EXPLOTACION USUARIOS ES 14.28 n.a. 1 - IP 08/2012
SERVIDOR FINANCIERO SA
4. EURO 6000, SA ES 0.13 n.a. 1 - IP 08/2012
6. EUROSOFTWARE FINANCIERO S.A. ES - n.a. 1 - IP 03/2012
7. LICO CORPORACION SA ES - n.a. 1 - IP 08/2012
8. MASTERCAJAS SA ES - n.a. 1 - IP 03/2012
9. T12 GESTION INMOBILIARIA SA ES - n.a. 1 - IP 03/2012
10. UNION DE PROFESIONALES EN ES - n.a. 1 - IP 03/2012
TELECOMUNICACIONES SL
01 62
04 09
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Bank information
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
ð 2.0 3.0
ð n.a. n.a.
ð 19.0 n.a.
ð 8.0 25.0
ö 7.0 8.0
ð 3.0 59.0
ð 117.0 1,262.0
ø 13.0 n.a.
ð 1.0 7.0
ð 2.0 3.0
Caja de Ahorros del Mediterraneo CAM
03001 ALICANTE BvD ID number ESG03046562

The GUO of this controlled subsidiary is BANCO DE SABADELL SA
Contact details
San Fernando, 40 Phone number +34 (96) 590 50 00

Fax number +34 (96) 590 50 44
03001 ALICANTE Web Site Address www.cam.es
SPAIN
Bank History :
Established in 1877. On December 31, 1998, Caja de Ahorros del Mediterraneo absorbed Abbey National Bank SAE.
Accounting Standards International Financial Nickname CAAMI
Name of the Auditor KPMG Model ALLBANKS

(02/11/2012) World rank, 2011
shareholders
No of recorded 108
subsidiaries
Peer Group

Size 1,133
information.
information.
Global summary

Not Audited Unqualified Unqualified Unqualified
31/12/2010 31/12/2009 31/12/2008 31/12/2007
BALANCE SHEET
Assets
Loans 50,730.0 52,896.3 58,495.1 58,330.6
Gross Loans 53,487.9 54,746.9 59,685.5 59,152.0
Less: Reserves for Impaired Loans/ NPLs 2,757.9 1,850.6 1,190.4 821.4
Derivatives 648.2 942.8 736.2 388.8
Fixed Assets 888.6 899.5 1,090.2 812.3
Total Assets 74,478.4 75,532.1 75,472.6 72,870.6

Derivatives 387.5 365.8 505.8 607.5
Loan Loss Reserves 71.1 48.2 37.9 n.a.
Other Reserves 333.3 214.2 182.4 272.0
Equity 2,571.0 3,805.8 3,576.2 3,945.5
Notes
Loan Loss Reserves (Memo) 2,829.0 1,898.8 1,228.3 821.4
Hybrid Capital (Memo) 1,734.2 1,698.1 848.1 848.1

INCOME STATEMENT
31/12/2010 31/12/2009 31/12/2008 31/12/2007
Net Gains (Losses) on Trading and Derivatives 9.5 183.7 -51.0 18.7
Net Gains (Losses) on Assets at FV through Income -10.6 -10.2 -23.2 -1.9
Statement
Overheads 745.2 880.4 815.6 724.6
Other -86.2 -189.4 577.6 322.2
Tax -43.0 56.8 -45.2 163.2
Net Income 244.2 265.4 432.3 439.7

Tier 1 Ratio n.a. 9.12 7.60 7.34
Total Capital n.a. 6,171.4 5,383.8 5,687.0
Tier 1 Capital n.a. 4,702.8 3,883.8 3,591.4
Net-Charge Offs 479.2 310.2 613.3 625.0

31/12/2010 31/12/2009 31/12/2008 31/12/2007
Income Statement
Interest Income on Loans n.a. 2,922.0 3,686.6 3,019.7

Other Interest Income 1,999.3 740.1 395.4 144.1
Dividend Income 322.4 34.0 86.6 48.9
Interest Expense on Customer Deposits n.a. 1,487.4 1,690.7 1,443.3

Other Interest Expense 1,412.9 568.9 1,185.5 709.4
Net Gains (Losses) on Trading and Derivatives 9.5 183.7 -51.0 18.7
Net Gains (Losses) on Assets at FV through Income -10.6 -10.2 -23.2 -1.9
Statement
Net Insurance Income n.a. -3.3 -6.9 104.8
Equity-accounted Profit/ Loss - Operating n.a. 55.1 79.9 59.7

Pre-Impairment Operating Profit 487.1 1,358.1 791.3 854.1
Securities and Other Credit Impairment Charges 15.4 29.8 41.8 n.a.
Operating Profit 272.0 481.8 -232.3 280.7

Pre-tax Profit 201.2 322.2 387.1 602.9
Tax expense -43.0 56.8 -45.2 163.2
Net Income 244.2 265.4 432.3 439.7
Change in Value of AFS Investments n.a. 220.5 -988.8 -211.3

Currency Translation Differences n.a. n.a. 17.5 -13.6
Remaining OCI Gains/(losses) n.a. 0.1 3.5 n.a.
Fitch Comprehensive Income 244.2 486.0 -535.5 214.8
Memo: Profit Allocation to Non-controlling Interests n.a. 62.0 42.0 53.9
Balance Sheet
Assets
Loans
Other Loans 53,487.9 54,746.9 59,685.5 59,152.0
Less: Reserves for Impaired Loans/ NPLs 2,757.9 1,850.6 1,190.4 821.4
Net Loans 50,730.0 52,896.3 58,495.1 58,330.6
Gross Loans 53,487.9 54,746.9 59,685.5 59,152.0
Memo: Loans at Fair Value included above 0.0 0.0 n.a. n.a.
Loans and Advances to Banks 1,737.7 2,722.0 970.1 1,459.6
Reverse Repos and Cash Collateral 0.0 127.8 40.1 n.a.
Derivatives 648.2 942.8 736.2 388.8
Other Securities 795.7 1,128.2 0.0 0.0
Memo: Total Securities Pledged 5,499.0 3,267.2 3,282.7 n.a.
Non-earning Assets
Foreclosed Real Estate 3,370.1 2,688.5 847.0 35.7
Fixed Assets 888.6 899.5 1,090.2 812.3
Goodwill 0.0 116.8 22.9 22.2
Other Assets 161.3 457.0 65.3 194.3
Total Assets 74,478.4 75,532.1 75,472.6 72,870.6
Customer Deposits - Savings 1,450.8 n.a. n.a. n.a.
Deposits from Banks 4,612.4 1,736.7 704.8 3,460.9
Funding
Other Funding 16,960.2 17,423.5 18,925.4 n.a.
Derivatives 387.5 365.8 505.8 607.5
Total Funding 65,787.1 65,988.8 67,476.5 63,970.1
Credit impairment reserves 71.1 48.2 37.9 n.a.
Other Liabilities 961.2 1,046.0 847.3 873.4
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 1,734.2 1,698.1 848.1 848.1
Debt
Equity
Equity
Common Equity 1,954.3 3,352.9 3,341.1 2,759.6
Securities Revaluation Reserves 0.0 -143.6 -360.9 627.9
OCI
Total Equity 2,571.0 3,805.8 3,576.2 3,945.5
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans% n.a. 5.19 6.17 5.47
Interest Expense on Customer Deposits/ Average n.a. 5.40 6.29 6.62
Customer Deposits%
Liabilities%
Earning Assets%
Operating Profit/ Average Equity% 7.88 13.26 -6.34 7.50
Operating Profit/ Average Total Assets% 0.37 0.64 -0.31 0.41
Taxes/ Pre-tax Profit% -21.37 17.63 -11.68 27.07
Assets%
Operating Profit / Risk Weighted Assets% 0.56 0.93 -0.45 0.58
Fitch Comprehensive Income/ Average Total Equity 7.07 13.38 -14.61 5.74
%
Fitch Comprehensive Income/ Average Total Assets 0.33 0.65 -0.73 0.31
%
Net Income/ Av. Total Assets plus Av. Managed 0.31 0.34 0.58 n.a.
Securitized Assets%
Fitch Comprehensive Income/ Risk Weighted 0.51 0.94 -1.05 0.44
Assets%
Capitalization
Cash Dividend Paid & Declared/ Fitch n.a. 11.28 -12.55 26.91
Loan Quality
%
Impaired Loans + Foreclosed Assets/ Gross Loans 14.47 9.36 5.33 0.75
+ Foreclosed Assets%
Funding
%
Reference Data
Managed Securitized Assets Reported Off-Balance 1,619.8 3,805.9 1,067.4 n.a.
Sheet
Other off-balance sheet exposure to securitizations n.a. 0.0 0.0 n.a.
Guarantees 2,051.5 2,476.8 2,971.3 3,422.9

Acceptances and documentary credits reported off- n.a. 0.0 0.0 0.0
balance sheet
Committed Credit Lines n.a. 4,605.8 6,537.2 8,905.7
Other Contingent Liabilities 3,865.8 0.0 0.0 0.0
Average Loans 53,832.8 56,307.7 59,704.5 55,158.5
Average Assets 74,422.9 74,764.5 73,811.1 69,117.0
Average Managed Assets Securitized Assets (OBS) 3,146.5 2,436.7 1,067.4 n.a.
Average Equity 3,453.8 3,632.4 3,664.1 3,741.3
Maturities

Interbank < 3 Months n.a. n.a. 639.9 1,134.5




Net Income 244.2 265.4 432.3 439.7
Equity 2,571.0 3,805.8 3,576.2 3,945.5
as Equity
Published Equity n.a. n.a. n.a. n.a.

interests)
on the B/S- CC only
Goodwill 0.0 116.8 22.9 22.2
securitizations
Eligible Hybrid Capital Limit 998.8 1,492.9 1,460.7 1,649.1
Total Interest Income on Loans n.a. 2,922.0 3,686.6 3,019.7

Assets
Total Interest Expense on Customer Deposits n.a. 1,487.4 1,690.7 1,443.3
Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. n.a. 51.5 21.7
breakdown)
Trading Assets - Equities n.a. n.a. 1.2 1.1
Income Statement
Total Trading Assets at FV through the Income n.a. n.a. 52.7 22.8
Statement
breakdown)
Total AFS Assets 8,950.1 7,321.0 7,159.6 8,608.4
HTM - Debt Securities (where no issuer breakdown) n.a. n.a. 2,474.9 292.2
HTM - Government n.a. n.a. 1,068.0 849.4

Asset Quality Data

Net Charge-offs
Recoveries n.a. 425.9 309.6 n.a.
Net Charge-offs 479.2 310.2 613.3 625.0
Reserves
Individual/Specific Loan Impairment Reserves 2,251.3 1,103.5 442.3 113.7

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital n.a. 116.8 116.8 3.0

dividends
Valuation Reserves for AFS Securities in OCI Total n.a. -140.4 -360.9 627.9
Valuation Reserves for FX in OCI n.a. -6.7 n.a. n.a.
Valuation Reserves in OCI - Other n.a. 3.6 3.5 n.a.
Total Valuation Reserves in OCI n.a. -143.5 -357.4 627.9
Total OCI Reserves n.a. -143.5 -357.4 627.9
Total Other Equity Reserves n.a. -143.5 -357.4 627.9
Interests
absorbing

Capital
Intangibles to be deducted from Core Capital n.a. 322.5 167.9 n.a.
Hybrid Capital Fitch Class C 1,398.1 1,398.1 300.0 300.0
Regulatory Capital
II
II
Capital
Pledged Securities 5,499.0 3,267.2 3,282.7 n.a.
deposits
banks
Repurchase agreements included in liabilities - n.a. n.a. n.a. n.a.
other
in loans
Number of Employees n.a. 7,155 7,460 n.a.

Number of Branches n.a. 1,007 1,122 1,157
Total Exposure to Central Bank n.a. n.a. 578.1 529.0
Ratios

31/12/2010 31/12/2009 31/12/2008 31/12/2007
Assets Quality
Capital
Tier 1 Ratio n.a. 9.12 7.60 7.34
Equity / Net Loans 5.07 7.20 6.11 6.76
Operations
Pre-Tax Op Inc / Avg Assets 0.38 0.68 -0.26 0.42
Liquidity
Interbank Ratio 17.81 56.14 20.82 42.17
General information


SEDOL number: B3BWWB0
Ticker symbol: CAM
Stock exchange(s) listed: Bolsa de Barcelona

Boerse Berlin
Boerse Frankfurt
Market price - Year (EUR) 2012 2011 2010 2009 2008
Market price - January 1.34 6.43 5.77 5.54 n.a.

Market price - February 1.34 6.36 5.77 5.68 n.a.
Market price - March 1.34 6.20 6.15 5.90 n.a.
Market price - April 1.34 4.84 6.01 5.78 n.a.
Market price - May 1.34 5.13 5.90 5.78 n.a.
Market price - June 1.34 4.65 6.46 5.61 n.a.
Market price - July 1.34 4.37 6.11 5.81 5.40
Market price - August 1.34 2.51 6.33 5.70 4.99
Market price - September 1.34 1.73 7.05 5.74 5.77
Market price - October 1.34 1.41 7.34 5.82 5.66
Market price - November n.a. 0.88 6.84 5.79 5.65
Market price - December n.a. 1.34 6.99 5.85 5.60

Price trends (%)

Price trends - Quarter to date n.a.
Price trends - Previous quarter to date n.a.
Price trends - Year to date n.a.
BETA


BOLSA DE MADRID)
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 27/06/2012 Aqualandia completes acquisition of majority stake in Terra
Mítica (deal no. 1601145336)
2 18/01/2012 CAM looking to sell its stake in Meliá Hotels International (deal
no. 1601334811)
3 31/10/2011 FCC acquires remaining stake in Enerstar (deal no.
1601313244)
4 24/08/2011 FinanceCom to acquire a stake in BMCE Bank (deal no.
1601295422)
5 22/07/2011 CAM approves restructuring process (deal no. 1601257922)
6 22/07/2011 CAM passes restructuring plan (deal no. 1601264251)
7 14/07/2011 JC Flowers withdraws CAM offer (deal no. 1601285586)
8 03/06/2011 CAM to sell some branches to improve its financial situation
(deal no. 1601276882)
9 12/05/2011 CAM completes acquisition of Banco Base (deal no.
1601262517)
1601262318)
11 04/04/2011 Caja Mediterráneo may sell assets to meet solvency
requirements (deal no. 1601266621)
12 30/03/2011 Banco Base takeover of CAM withdrawn as Caja Cantabria, Caja
Extremadura and Cajastur abandon SIP project (deal no.
1601262516)
13 22/03/2011 Hansa Urbano approves capital increase (deal no. 1601270321)
14 31/12/2010 Caja de Ahorros del Mediterráneo increases stake in Subús (deal

no. 1601252127)
15 30/12/2010 Next Capital Partners acquires MSGI (deal no. 1601237499)
16 21/12/2010 CAM, Caja Cantabria, Caja Extremadura and Cajastur create SIP
called Banco Base (deal no. 1601263069)
17 26/08/2010 Valencian government rejects idea of merger between Caja
Madrid, Caixa Galicia and CAM (deal no. 1601100531)
18 14/06/2010 Caja Madrid may merge with Caja de Ahorros del Mediterráneo
(deal no. 1601100533)
19 10/06/2010 Elecnor acquires Audeca (deal no. 1601195695)
20 19/05/2010 Caja de Ahorros del Mediterráneo and Cajamurcia may merge
(deal no. 1601190241)
21 26/03/2010 Caja de Ahorros del Mediterráneo sells Abertis shares (deal no.
1601171870)
22 07/11/2009 CAM-Bancaja merger faces opposition (deal no. 1601133934)
23 03/08/2009 Caja Madrid ‘still set on consolidation’ (deal no. 1601100533)
24 24/07/2009 CAM reviewing options for Terra Mítica stake (deal no.
1601098016)
26 04/06/2009 CAM could issue preferred shares (deal no. 1601084451)
27 27/05/2009 CAM acquires SOFOM (deal no. 1601066533)
28 27/05/2009 SOFOM increases its capital (deal no. 1601066455)
29 29/04/2009 France Telecom increases its stake in France Telecom España
(deal no. 1601075443)
30 24/02/2009 Caja de Ahorros del Mediterráneo acquires stake in Abertis (deal
no. 1601055015)
31 23/07/2008 CAM floats (deal no. 579852)
32 04/07/2008 CAM acquires minority stake in Enerstar (deal no. 655942)
33 14/06/2008 Habitat Hotels sells Hotel Sky (deal no. 632338)
34 04/06/2008 CAM acquires minority stake in Subus (deal no. 648689)
35 04/06/2008 CAM could increase its stake in Subus (deal no. 648692)
36 08/05/2008 CAM eyes Morocco or Latin America (deal no. 639525)
37 02/05/2008 CAM acquires minority stake in Iberdrola (deal no. 638365)
38 21/04/2008 Tirant acquires Kelme (deal no. 559036)
621758)
40 18/02/2008 CAM increases its stake in Natra (deal no. 619483)
41 11/02/2008 CAM acquires a stake in Magnum (deal no. 616988)
42 07/02/2008 CAM could acquire up to 20 per cent in Subus (deal no. 616210)
43 19/11/2007 Godosa and CAM form joint venture (deal no. 595068)
44 29/06/2007 CAM announces investment in Geminis Activos (deal no.
554559)
45 20/06/2007 Caja de Ahorros del Mediterráneo acquires stake in Banco
Guayaquil (deal no. 443557)
46 07/05/2007 Tremon's IPO cancelled (deal no. 536702)
47 19/04/2007 CAM increases stake in Sol Meliá (deal no. 532406)
48 18/04/2007 Caja Mediterraneo acquires a stake in BMCE Bank (deal no.
531137)
49 17/01/2007 CAM sells Metrovacesa stake (deal no. 507908)
50 05/12/2006 Bancaja sells Ribera Salud stake (deal no. 497561)
Source : Zephyr
Boards & committees

1. Mr. Modesto Crespo Martínez - Chairman, Board of Directors BoD VI
P002183320 - Chairman, Executive Committee ExeB VI
- Member of the General OthBC VI
Assembly (since 02/02/2007)
2. Mr. Ángel Martínez Martínez - First Vice Chairman, Board of BoD VI
- First Vice Chairman, Executive ExeB VI
Committee
- Chairman, Murcia Regional OthBC VI
Board
3. Mr. Benito José Nemesio - Second Vice Chairman, Board of BoD VI
Casabán Directors
P042538187 - Second Vice Chairman, ExeB VI
Executive Committee
- Chairman, Valencia Regional OthBC VI
Board
4. Mr. Armando Sala Lloret - Third Vice Chairman, Board of BoD VI
- Third Vice Chairman, Executive ExeB VI
Committee
- Chairman, Alicante Regional OthBC VI
Board
5. Mrs. María Dolores Amorós Marco - Board Member BoD VI
P039806931
6. Mr. Aniceto Benito Núñez - Board Member BoD VI
P002179834 - Member of the General OthBC VI
Assembly; Member, Alicante
Regional Board
(since 02/02/2007)
6.
Regional Board
(since 02/02/2007)
7. Mr. Juan Bernal Roldán - Board Member BoD VI
P114906502 - Chairman, Investment OthBC VI
Committee
- Vice Chairman, Murcia Regional OthBC VI
Board
8. Mrs. Pilar Aurora Cáceres - Board Member BoD VI
González (since 02/02/2010)
P071727389 - Member, Executive Committee ExeB VI
Assembly; Member, Valencia
Regional Board
(since 02/02/2010)
9. Mr. Pere Joan Devesa Martínez - Board Member BoD VI
P042140957 (since 02/02/2010)
10. Mr. José Enrique Garrigós Ibáñez - Board Member BoD VI
(since 02/02/2010)
- Member, Remuneration RemC VI
Committee
11. Mr. Roberto López Abad - Board Member BoD VI
P039806929
12. Mrs. Susana Maestre González - Board Member BoD VI
P104010976 (since 02/02/2010)
- Member, Investment OthBC VI
Committee; Member, Alicante
Regional Board; Member of the
General Assembly
(since 02/02/2010)
13. Mr. Manuel Muelas Yébenes - Board Member BoD VI

P042369612 (since 02/02/2010)
- Member, Executive Committee ExeB VI
14. Mr. Juan Pacheco Carrillo - Board Member BoD VI
P042486606 (since 02/02/2010)
Assembly; Member, Murcia
Regional Board
(since 02/02/2010)
15. Mrs. Rosa Ana Perán Bazán - Board Member BoD VI
P042269808 (since 02/02/2010)
16. Mr. Ginés Pérez Ripoll - Board Member BoD VI
- Member, Alicante Regional Board OthBC VI
- Secretary, Investment OthBC VI

Committee
17. Mr. Salvador Piles Besó - Board Member BoD VI
17.

Regional Board
(since 02/02/2007)
18. Mr. Enrique Puig Mora - Board Member BoD VI
P065669945 (since 02/02/2010)
19. Mr. José Rovira Garcés - Board Member BoD VI
Regional Board
(since 02/02/2007)
20. Mr. Martín Sevilla Jiménez - Board Member BoD VI
- Secretary, Remuneration RemC VI
Committee
- Vice Chairman, Alicante Regional OthBC VI
Board
21. Mr. José Forner Verdú - Secretary to the Board BoD VI
P002179836 - Chairman, Remuneration RemC VI
Committee
- Secretary, Executive Committee OthBC VI
22. Mr. Jesús José María Navarro - Member, Executive Committee ExeB VI
Alberola - Member of the General OthBC VI
P042161502 Assembly (since 02/02/2010)
23. Mr. Juan Ramón Avilés Olmos - Chairman, Control Committee OthBC VI
P002600985 - Member of the General OthBC VI
24. Mr. Antonio Birlanga Casanova - Vice Chairman, Valencia OthBC VI
P071331556 Regional Board
25. Mr. José Manuel Uncio Lacasa - Vice Chairman, Control OthBC VI
General Assembly
(since 02/02/2010)
26. Raquel Abad Lluch - Member, Valencia Regional OthBC VI
P071331557 Board
27. Francisco Albaladejo Martinez - Member of the General OthBC VI
P115537076 Assembly (since 02/02/2010)
28. Miguel Ramon Albiach Chisbert - Member of the General OthBC VI
P115537021 Assembly
29. Francisco Almarza Gonzalez - Member of the General OthBC VI
P115537018 Assembly (since 02/02/2010)
30. Julio Antonio Álvarez Gómez - Member, Murcia Regional Board; OthBC VI
P071331548 Member of the General
31. Rosario Alvarez Grao - Member, Murcia Regional Board; OthBC VI
32. Mr. Cesar Antonio Anca Navas - Member of the General OthBC VI
P043093821 Assembly (since 02/02/2010)
33. Mr. Eladio Aniorte Aparicio - Member of the General OthBC VI
P039791694 Assembly (since 02/02/2007)
34. Antonio Miguel Arce Perez - Member of the General OthBC VI
P115537075 Assembly (since 02/02/2010)
35. Mr. Severiano Arias González - Member, Murcia Regional Board; OthBC VI
36. Mr. Joaquín Arias López - Member, Alicante Regional OthBC VI
P058763045 Board; Member of the General
37. José María Baguenas Rocamora - Member of the General OthBC VI
P115537074 Assembly (since 02/02/2007)
38. Pedro Antonio Bejar Jimenez - Member of the General OthBC VI
P115537073 Assembly (since 02/02/2010)
39. Agustin Beltran Gali - Member of the General OthBC VI
P115537017 Assembly (since 02/02/2007)
40. José Beltrán Oliver - Member of the General OthBC VI
P133389466 Assembly (since 02/02/2007)
- Secretary, Valencia Regional OthBC VI
Board
41. Mr. Joaquin Andres Berenguer - Member of the General OthBC VI
Ramirez Assembly (since 02/02/2010)
P043252279
42. Antonio Beresaluce Diez - Member of the General OthBC VI
P115537016 Assembly (since 02/02/2010)
43. Mr. Ambrosio Bernabeu Esclapez - Member, Alicante Regional OthBC VI
Board; Member of the General
P042370640 Assembly (since 02/02/2010)
44. Mr. Rafael Bernabeu Esclapé - Member of the General OthBC VI
P002183164 Assembly (since 02/02/2010)
45. Francisco Bernabeu Penalva - Member of the General OthBC VI
P115537015 Assembly (since 02/02/2010)
46. Mr. Vicente Bernad Vico - Member of the General OthBC VI
P002522557 Assembly (since 02/02/2010)
47. Jose Bonet Garrido - Member of the General OthBC VI
P115537014 Assembly (since 02/02/2010)
48. Carmen Bonilla Martinez - Member of the General OthBC VI
P115537040 Assembly (since 02/02/2007)
49. Juan Antonio Botella García - Member, Alicante Regional OthBC VI
50. Mr. Luis Manuel Boyer Canto - Member of the General OthBC VI
P043083194 Assembly (since 02/02/2007)
51. Jose Brotons Cascales - Member of the General OthBC VI
P115537039 Assembly (since 02/02/2007)
52. Jose Manuel Butron Sanchez - Member of the General OthBC VI
P115537038 Assembly (since 02/02/2010)
53. Mrs. Natalia Caballé Turá - Member, Valencia Regional OthBC VI
54. Gustavo Caballero Navarrete - Member of the General OthBC VI
P115537037 Assembly (since 02/02/2007)
55. Mr. Juan Manuel Cabot Saval - Member of the General OthBC VI
P043084328 Assembly (since 02/02/2010)
- Secretary, Alicante Regional OthBC VI
Board
56. Mrs. Isabel María Cambronero - Member, Control Committee ; OthBC VI
Casanova Member of the General
P071331536 Assembly (since 02/02/2007)
57. Javier Jesus Campos Jimenez - Member of the General OthBC VI
P115537036 Assembly (since 02/02/2007)
58. José Candela Rodríguez - Member, Alicante Regional OthBC VI
58. - Member, Alicante Regional OthBC VI
Board; Member of the General
59. Mr. Jaime Juan Carbonell - Member of the General OthBC VI
Martinez Assembly (since 02/02/2010)
P002536566
60. Salvador Cardona Taberner - Member of the General OthBC VI
P115537072 Assembly (since 02/02/2010)
61. Pedro Carpena Ortuño - Member of the General OthBC VI
P115536997 Assembly (since 02/02/2007)
62. Jorge Casillas Herranz - Member of the General OthBC VI
P115536996 Assembly (since 02/02/2010)
63. Maria Catala Gomila - Member of the General OthBC VI
P115537071 Assembly (since 02/02/2007)
64. Mr. Jose Emilio Cervera Cardona - Member of the General OthBC VI
P042819568 Assembly (since 02/02/2010)
65. Mr. Jose Luis Corcoles Ferrandiz - Member of the General OthBC VI
P002184278 Assembly (since 02/02/2010)
66. Juan Bautista Cuenca Richart - Member of the General OthBC VI
P115537070 Assembly (since 02/02/2007)
67. Antonio de Dios Garrido - Member of the General OthBC VI
P115536995 Assembly (since 02/02/2010)
68. Juan Jose de la Torre Miguelez - Member of the General OthBC VI
P115536994 Assembly (since 02/02/2007)
69. Mr. Cristobal Rafael De Los Rios - Member of the General OthBC VI
Marfil Assembly (since 02/02/2010)
P042570679
70. Mrs. Gemma Del Corral Parra - Member of the General OthBC VI
P106636900 Assembly (since 02/02/2010)
71. Mr. Luis Bernardo Diaz Alperi - Member of the General OthBC VI
P042176875 Assembly (since 02/02/2010)
72. Juan Espinar Alberca - Member, Alicante Regional OthBC VI
73. Francisco Lorenzo Espinosa - Member of the General OthBC VI
Andreu Assembly (since 02/02/2010)
P115536993
74. Mr. César Fernando Estrada - Member of the General OthBC VI
Martínez Assembly; Member, Control
P098178704 Committee (since 02/02/2010)
75. Salvador Fernández Calabuig - Member, Valencia Regional OthBC VI
P104048896 Board
76. Josep Maria Fernandez - Member of the General OthBC VI
Corominas Assembly (since 02/02/2007)
P115537069
77. Alexis Antonio Fernández - Member of the General OthBC VI
Martínez Assembly; Member, Alicante
(since 02/02/2007)
78. Valentina Frutos Camargo - Member of the General OthBC VI
P115537068 Assembly (since 02/02/2007)
79. Ana Isabel Fulleda Egidio - Member, Murcia Regional Board; OthBC VI
80. Pedro Joaquin Garcia Bautista - Member of the General OthBC VI
P115537035 Assembly (since 02/02/2010)
81. Mr. José García Gómez - Member of the General OthBC VI
P101458403 Assembly (since 02/02/2007)
82. Vicente Garcia Ortuño - Member of the General OthBC VI
P115536992 Assembly (since 02/02/2007)
83. Rosa Garcia Toledo - Member of the General OthBC VI
83. - Member of the General OthBC VI
P115537013 Assembly (since 02/02/2007)
84. Mr. Arcadio Juan Gómez Belles - Member, Control Committee OthBC VI
P042988698 (since 02/02/2010)
85. Paola Gomez Martin - Member of the General OthBC VI
P115537067 Assembly (since 02/02/2007)
86. Joaquín Gómez Quetglas - Member, Murcia Regional Board OthBC VI
P115537079
87. Juan González García - Member of the General OthBC VI
P104048894 Assembly; Member, Murcia
Regional Board
(since 02/02/2007)
88. Monica Gonzalez Manzanera - Member of the General OthBC VI
P115537066 Assembly (since 02/02/2007)
89. Jose Gonzalez Navalon - Member of the General OthBC VI
P115537012 Assembly (since 02/02/2010)
90. Juan Jose Gonzalez Vich - Member of the General OthBC VI
P115537065 Assembly (since 02/02/2010)
91. Amparo Graner Lozano - Member of the General OthBC VI
P071331560 Assembly; Member, Valencia
Regional Board
(since 02/02/2007)
92. Maria Carina Granero Conchillo - Member of the General OthBC VI
Regional Board
(since 02/02/2007)
93. Mr. Francisco Grau Jornet - Member, Control Committee; OthBC VI
94. Pedro Grimalt Ivars - Member of the General OthBC VI
Regional Board
(since 02/02/2010)
95. Mr. Juan Ramón Gual de Torrella - Member, Control Committee; OthBC VI
Guasp Member of the General
P042274754 Assembly (since 02/02/2010)
96. Jose Hernandez Aparicio - Member of the General OthBC VI
Regional Board
(since 02/02/2010)
97. Jose Antonio Hernandez - Member, Murcia Regional Board; OthBC VI
Ferrandez Member of the General
P114906505 Assembly (since 02/02/2010)
98. Gaspar Hernandez Hernandez - Member of the General OthBC VI
P115537034 Assembly (since 02/02/2007)
99. Augusto Hidalgo Macario - Member of the General OthBC VI
P115537033 Assembly (since 02/02/2010)
100. Mr. Vicente Ibor Asensi - Member of the General OthBC VI
P002698086 Assembly (since 02/02/2010)
101. Alberto Jiménez Buendía - Member of the General OthBC VI
P071331544 Assembly; Member, Alicante
Regional Board
(since 02/02/2007)
102. Jorge Luis Justes Fernandez - Member of the General OthBC VI
P115537064 Assembly (since 02/02/2010)
103. Dulce Linares Valenzuela - Member of the General OthBC VI
P115536991 Assembly (since 18/03/2009)
104. Ma Pilar Llorca Rubio - Member of the General OthBC VI
P115537011 Assembly (since 18/01/2010)
105. Rosalia Rosario Llorens Baena - Member of the General OthBC VI
P115537030 Assembly (since 02/02/2007)
106. Maria Dolores Lopez Alcaraz - Member of the General OthBC VI
P115537063 Assembly (since 02/02/2010)
107. Pedro Antonio Lopez Gomez - Member of the General OthBC VI
P115537032 Assembly (since 02/02/2007)
108. Antonio Lopez Porras - Member of the General OthBC VI
P115537062 Assembly (since 02/02/2007)
109. Mr. Marcelo Lucio López Vaquero - Member, Murcia Regional Board OthBC VI

P071331552
110. Antonio Lorenzo Paredes - Member of the General OthBC VI
P115537031 Assembly (since 02/02/2010)
111. Mrs. Bernarda Lucas Gordo - Member of the General OthBC VI
Regional Board
(since 02/02/2010)
112. Antonio Luna Martinez - Member of the General OthBC VI
P115537061 Assembly (since 02/02/2007)
113. Francisco Madrid San Martin - Member of the General OthBC VI
P115537010 Assembly (since 02/02/2010)
114. Mrs. Susana Marin Atienza - Member of the General OthBC VI
P063936286 Assembly (since 02/02/2007)
115. Joaquín Longinos Marín Rives - Member, Murcia Regional Board; OthBC VI
Assembly
116. Julio Marques Pons - Member of the General OthBC VI
P115537060 Assembly (since 02/02/2010)
117. María Fuensanta Martínez - Member, Murcia Regional Board; OthBC VI
Barbero Member of the General
P071331553 Assembly (since 02/02/2010)
118. Miguel Martinez de la Fuente - Member of the General OthBC VI
P115537059 Assembly (since 02/02/2007)
119. Gaspar Francisco Martinez - Member of the General OthBC VI
Gaspar Assembly (since 02/02/2007)
P115537009
120. Mrs. María Asunción Martínez - Member of the General OthBC VI
Múñoz Assembly (since 02/02/2007)
P071331540 - Secretary, Control Committee OthBC VI
121. Estibaliz Ana Martinez Rodriguez - Member of the General OthBC VI
P115537058 Assembly (since 02/02/2007)
122. Francisco Martínez Sellés - Member, Valencia Regional OthBC VI
123. Juan Jose Martinez Tomas - Member of the General OthBC VI
P115536990 Assembly (since 17/09/2009)
124. Mr. Eduardo J. Martínez-Oliva - Member of the General OthBC VI
Aguilera Assembly (since 02/02/2007)
P042013874 - Secretary, Murcia Regional OthBC VI
Board
125. Mr. Miguel Ignacio Masip - Member, Valencia Regional OthBC VI
Piqueras Board; Member of the General
P042985875 Assembly (since 02/02/2010)
126. Mrs. María Dolores Mataix Corbí - Member, Control Committee; OthBC VI
127. Mr. Ma del Carmen Moll Torrent - Member of the General OthBC VI
P030164110 Assembly (since 02/02/2007)
128. Ignacio Monllor Miralles - Member of the General OthBC VI
P115537056 Assembly (since 02/02/2007)
129. Mr. Francisco Montava - Member of the General OthBC VI
Barrachina Assembly (since 02/02/2007)
P002298113
130. Jose Jorge Montava Seguí - Member of the General OthBC VI
Regional Board
(since 02/02/2010)
131. Nuria Montes Soto - Member of the General OthBC VI
P115537055 Assembly (since 02/02/2007)
132. Desamparados Moreno Alejos - Member of the General OthBC VI
P115537054 Assembly (since 02/02/2007)
133. Mr. Juan Antonio Muñoz - Member, Murcia Regional Board; OthBC VI
Fernandez Member of the General
P042198195 Assembly (since 02/02/2010)
134. Desamparados Muñoz Solsona - Member of the General OthBC VI
P115537008 Assembly (since 25/02/2010)
135. Agustin Murcia Jimenez - Member of the General OthBC VI
P115537053 Assembly (since 02/02/2010)
136. Joan Miquel Nadal i Male - Member of the General OthBC VI
P115537029 Assembly (since 02/02/2007)
137. Carlos Navarro Abad - Member of the General OthBC VI
P115536988 Assembly (since 17/09/2009)
138. Juan Ramon Navarro Martinez - Member of the General OthBC VI
P115537028 Assembly (since 02/02/2007)
139. Juan Miguel Oliver Gómez - Member, Alicante Regional OthBC VI
140. Josep Oliver Vaquer - Member of the General OthBC VI
P082778869 Assembly (since 02/02/2010)
141. Mr. Manuel Pelaez Robles - Member of the General OthBC VI
P002237439 Assembly (since 02/02/2007)
142. Miguel Perez Aguirrezabala - Member of the General OthBC VI
P115537052 Assembly (since 02/02/2010)
143. Alberto Perez Ferre - Member of the General OthBC VI
P115537001 Assembly (since 02/02/2007)
144. Mrs. Olaya Pérez González - Member of the General OthBC VI
P115537080 Assembly (since 02/02/2007)
145. Mr. Matias Perez Such - Member of the General OthBC VI
P042212430 Assembly (since 02/02/2010)
146. Rosa Pérez Viana - Member, Valencia Regional OthBC VI
147. Juan Perez-Hickman Muñoz - Member of the General OthBC VI
P115537000 Assembly (since 02/02/2010)
148. Mr. Juan Pineda Mut - Member of the General OthBC VI
P043083275 Assembly (since 02/02/2010)
149. Mr. Andres Planells Ronda - Member, Alicante Regional OthBC VI
150. Jose Porcel Romero - Member of the General OthBC VI
P115537051 Assembly (since 02/02/2010)
151. Maria Teresa Portilla Moll - Member of the General OthBC VI
P115537050 Assembly (since 02/02/2007)
152. Antonio Quesada Girona - Member of the General OthBC VI
P115537027 Assembly (since 02/02/2007)
153. Maria Fernanda Reus Richart - Member of the General OthBC VI
P115537048 Assembly (since 02/02/2010)
154. Mr. Eduardo Nicolas Ribes Seva - Member of the General OthBC VI
P064571962 Assembly (since 02/02/2010)
155. Mr. Victor Riera Pastor - Member of the General OthBC VI
P042609430 Assembly (since 02/02/2007)
156. Mr. Pascual Ripoll Alvado - Member of the General OthBC VI
P042369198 Assembly (since 02/02/2007)
157. Jesús Robles Rubio - Member of the General OthBC VI
Regional Board
(since 02/02/2007)
158. Mr. Maximiliano Rodríguez Ros - Member of the General OthBC VI
P042875165 Assembly (since 02/02/2007)
159. Francisco Javier Ruano Garcia - Member of the General OthBC VI
P115536999 Assembly (since 02/02/2010)
160. Antonio Salinas Cascales - Member, Alicante Regional OthBC VI
Assembly
161. Pedro Sanchez Bosch - Member of the General OthBC VI
P115537047 Assembly (since 02/02/2010)
162. Mariano Sanchez Gil - Member of the General OthBC VI
P115536987 Assembly (since 02/02/2007)
163. Jose Enrique Sanchez Guinart - Member of the General OthBC VI
P115536986 Assembly (since 02/02/2010)
164. Rafael Sanchez Meoro - Member, Murcia Regional Board; OthBC VI
165. Jose Antonio Sanchez Molla - Member of the General OthBC VI
P115537026 Assembly (since 02/02/2007)
166. Jose Manuel Sanes Vargas - Member of the General OthBC VI
P115537025 Assembly (since 02/02/2007)
167. Maria Irene Sanroque Muñoz - Member of the General OthBC VI
P115536985 Assembly (since 25/07/2008)
168. Jaime Sansano Girona - Member of the General OthBC VI
P115537046 Assembly (since 02/02/2007)
169. Amparo Sendra Sillas - Member of the General OthBC VI
P115536998 Assembly (since 02/02/2010)
170. Laura Serrano Gonzalez - Member of the General OthBC VI
P115537024 Assembly (since 02/02/2007)
171. Mr. Raúl Serrano Moll - Member, Control Committee; OthBC VI
172. Gema Sirvent Laguna - Member of the General OthBC VI
P115536984 Assembly (since 02/02/2010)
173. Rafael Antonio Tomas Juan - Member of the General OthBC VI
P115537045 Assembly (since 02/02/2010)
174. Elisabet Torres Martos - Member of the General OthBC VI
P115537044 Assembly (since 02/02/2010)
175. Mr. Humberto Vadillo Lopez - Member of the General OthBC VI
P115537023 Assembly (since 02/02/2010)
176. Mr. Miguel Valor Peidro - Member of the General OthBC VI
P042176874 Assembly (since 02/02/2010)
177. Mr. Patricio Valverde Megias - Member of the General OthBC VI
P002603743 Assembly (since 02/02/2007)
178. Otilla Ramon Vicente - Member of the General OthBC VI
P115537049 Assembly (since 02/02/2007)
179. Javier Vicente Leon - Member of the General OthBC VI
P115536983 Assembly (since 02/02/2010)
180. Mr. Carlos Jose Vidal Jerez - Member of the General OthBC VI
P042220448 Assembly (since 02/02/2007)
181. Pedro Villaescusa Martinez - Member of the General OthBC VI
P115537042 Assembly (since 02/02/2010)
182. Carmen Villegas Mari - Member of the General OthBC VI
P115537041 Assembly (since 02/02/2007)
183. Mrs. Maria Esperanza Zambudio - Member of the General OthBC VI
Mompean Assembly (since 02/02/2007)
P042104044
184. Miguel Zaragoza Fernandez - Member of the General OthBC VI
P115537022 Assembly (since 02/02/2010)
185. Francisco Javier Zaragoza Gómez - Member of the General OthBC VI
(since 02/02/2007)
Management & staff

1. Mrs. María Dolores Amorós Marco - General Manager SenMan VI
(since 10/12/2010)
P039806931
2. Mr. José Pina Galiana - General Manager SenMan VI
P039826238 - General Secretary SenMan VI
3. Mr. Bernardo Chuliá Martí - Valencia Regional Manager Oper VI
P042144464
4. Mr. Agustín Llorca Ramírez - Alicante Regional Manager Oper VI
P042144466
5. Mr. Ildefonso Jesus Riquelme - Murcia Regional Manager Oper VI
Manzanera
P042144462
6. Mr. Gabriel Sagristá Ramis - North Regional Manager Oper VI
P042144459
7. Mr. Vicente Soriano Terol - General Manager, Resources Oper VI
P042161493
8. Pedro Torres Ribas - Central/South Regional Manager Oper VI
P129499497
9. Francisco Martínez García - General Manager, Investments OthDep VI
P133389465 and Risks
10. Mr. Joaquín Meseguer Torres - General Manager, Business OthDep VI
P042161506 Investments
11. Teófilo Sogorb Pomares - General Manager, Planning and OthDep VI
P071331533 Control

Op.
(mil USD)*
BANCO DE SABADELL SA (Domestic and ES B 100.00 100.00 WW 12/2011 3,151.0 10,675
Global UO)
CAJA DE AHORROS DEL MEDITERRANEO ES B 1,647.0 n.a.
CAM
Ownership Source
Level
own.

1. MULTISERVICIOS PRACTICOS SA DE CV MX 100.00 100.00 1 - IP 09/2011
2. SOCIEDAD FINANCIERA DE OBJETO MX 100.00 100.00 1 - OS 05/2009
MULTIPLE SOFOM
3. CAM GLOBAL FINANCE KY - 100.00 1 - RM 12/2010
4. GESTION DE ACTIVOS DEL ES - 100.00 1 - RM 12/2010
MEDITERRANEO SV SA
5. MERCURIO ALICANTE SOCIEDAD DE ES - 100.00 1 - RM 12/2010
ARRENDAMIENTOS 2 SL
6. TINSER GESTORA DE INVERSIONES SL ES - 100.00 1 - RM 12/2010
7. TRATAMIENTOS Y APLICACIONES ES - 100.00 1 - RM 12/2010
SOCIEDAD LIMITADA.
8. INVERSIONES COTIZADAS DEL ES 99.99 n.a. 1 - IP 08/2012
MEDITERRANEO SL
9. FONOMED GESTION TELEFONICA ES 99.97 n.a. 1 - IP 03/2012
MEDITERRANEO SA
10. ADMINISTRACION Y PROYECTOS MDT SA MX 99.80 n.a. 1 - IP 03/2012
DE CV
11. GESTION MEDITERRANEA DEL MEDIO ES 99.00 n.a. 1 - IP 03/2012
AMBIENTE SA
12. BBG MEDITERRANEO 1 FONDO CAPITAL ES 98.00 n.a. 1 - IP 09/2011
RIESGO (EN LIQUID
13. CAM DINERO PLUS F.I.A.M.M. ES >50.00 n.a. 1 - IP 09/2011
14. CARTERA DE PARTICIPACIONES ES 50.00 n.a. 1 - IP 08/2012
EMPRESARIALES CV SL
15. TEATRO PRINCIPAL DE ALICANTE ES 50.00 n.a. 1 - IP 09/2011
16. CAP EVAL SA MA - 49.00 1 - RM 12/2010
17. ALZE MEDITERRANEO SL ES - 45.00 1 - RM 12/2010
18. DREAMVIEW SL ES - 45.00 1 - IP 08/2012
19. SIMAT BANOL SL ES - 45.00 1 - RM 12/2010
20. BALAM OVERSEAS B.V. NL - 40.00 1 - RM 12/2010
21. BEREN MEDITERRANEO SL ES - 40.00 1 - RM 12/2010
22. C Y P ATLANTIC-NOSTRUM SL ES - 40.00 1 - RM 12/2010
23. DIME HABITAT SL ES - 40.00 1 - RM 12/2010
24. INERZIA MEDITERRANEO S.L. ES - 40.00 1 - RM 12/2010
25. TREMON MAROC SERVICES IMMOBILIERS MA - 40.00 1 - RM 12/2010
SARL
26. ROCABELLA SL ES - 36.09 1 - RM 12/2010
27. ESPAIS CATALUNYA MEDITERRANEO SA ES - 35.89 1 - RM 12/2010
28. PRAT SPOLKA Z.O.O. PL - 35.00 1 - RM 12/2010
29. MURCIA EMPRENDE, SOCIEDAD DE ES 32.50 n.a. 1 - IP 09/2011
CAPITAL RIESGO DE REGIMEN
SIMPLIFICADO, SA
30. SERVICIOS IMMOBILIARIOS TRECAM SL ES - 30.01 1 - RM 12/2010

31. DEURMED SL ES - 30.00 1 - RM 12/2010
32. MERCADO INMOBILIARIO DE FUTURO SL. ES - 30.00 1 - RM 12/2010
33. VALFENSAL SL ES - 30.00 1 - RM 12/2010
34. LA ERMITA RESORT SL ES - 29.49 1 - RM 12/2010
35. AQUA MAYACOBA SA DE CV MX - 29.40 1 - RM 12/2010
36. BLUE LOR SL ES - 27.62 1 - RM 12/2010
37. PLANIFICACION TGN 2004 SL ES - 25.00 1 - RM 12/2010
38. PARQUE TECNOLOGICO FUENTE ALAMO SA ES 22.54 n.a. 1 - IP 03/2012
39. INVERMURCIA CAPITAL FONDO DE ES 21.70 n.a. 1 - IP 09/2011

CAPITAL RIESGO
40. PROMOCIONES URBANISTICAS IBI S.L. ES - 20.95 1 - RM 12/2010
41. AUTO SPORT Y AMBULANCIAS ES 20.00 n.a. 1 - IP 09/2011
SANITARIAS SL
42. BIOFERMA MURCIA S.A. ES 20.00 n.a. 1 - IP 03/2012
43. CONTROL DE ITV ALICANTE UTE ES 20.00 n.a. 1 - IP 08/2012
44. EBN BANCO DE NEGOCIOS SA-EBN BANCO ES 20.00 n.a. 1 - IP 08/2012
45. ESPECIALIZADA Y PRIMARIA ES - 20.00 1 - RM 12/2010

LABORATORIO SL
46. FUNDACION MURCIA 21 DISENO Y MODA ES 20.00 n.a. 1 - IP 08/2012
47. GD SUR ALICANTE SL ES - 20.00 1 - RM 12/2010
48. GRUPO AUSIVI S.L. ES - 20.00 1 - IP 08/2012
49. HOTELERA H. M., S.A.DE C.V. MX - 20.00 1 - RM 12/2010
50. INVERSIONES AHORRO 2000 SA ES 20.00 n.a. 1 - IP 03/2012
51. SERVICIOS DE RECUPERACION DE ES 20.00 n.a. 1 - IP 09/2011
CREDITOS SOCIEDAD ANONIMA
52. BANCO INVERSIS SA ES 15.15 n.a. 1 - IP 08/2012
53. ALIANCIA ZERO SL ES 14.63 n.a. 1 - IP 03/2012
54. LIQUIDAMBAR INVERSIONES ES 13.33 n.a. 1 - IP 09/2011
FINANCIERAS SL
55. UNION DE EMPRESARIOS MURCIANOS ES 13.02 n.a. 1 - IP 03/2012
SOCIEDAD DE GARANTIA RECIPROCA
56. TITULIZACION DE ACTIVOS SOCIEDAD ES 12.86 n.a. 1 - IP 09/2011
GESTORA DE FONDOS DE TITULIZACION
SA
57. COMPAÑIA TRASMEDITERRANEA, SA ES - 12.85 1 - IP 08/2012

58. HANSA URBANA SA ES 11.17 n.a. 1 - IP 08/2012
59. EURO 6000, SA ES 10.77 n.a. 1 - IP 03/2012
60. J GARCIA CARRION, SA ES 8.90 n.a. 1 - IP 09/2011
62. SOCIEDAD CONCESIONARIA AEROPUERTO ES 6.66 n.a. 1 - IP 03/2012
DE MURCIA SA
63. MELIA HOTELS INTERNATIONAL, S.A. ES - 6.01 1 - RS 12/2010
64. OPORTUNIDAD BURSATIL, SA, SICAV ES 5.69 n.a. 1 - IP 09/2011
65. NATRA S.A. ES 5.34 n.a. 1 - RS 12/2010
66. AUXILIAR DE COBROS E INFORMACION SA ES 5.30 n.a. 1 - IP 09/2011

68. CENTRO EUROPEO DE EMPRESAS E ES 5.10 n.a. 1 - IP 08/2012
INNOVACION DE CARTAGE
69. SA DE PROMOCION Y EQUIPAMIENTO DE ES 5.01 n.a. 1 - IP 03/2012
SUELO DE LORCA
70. CATALANA D'INICIATIVES S C R DE ES 4.45 n.a. 1 - IP 09/2011
REGIMEN COMUN SA
71. GRUPO AHORRO CORPORACION-AHORRO ES 2.93 n.a. 1 - IP 09/2011
CORPORACION S.A.
72. LA UNION ALCOYANA SA DE SEGUROS Y ES 2.86 n.a. 1 - IP 08/2012
REASEGUROS
73. SOCIEDAD DE GARANTIA RECIPROCA DE ES 2.58 n.a. 1 - IP 03/2012
LA COMUNITAT VALENCIANA
74. GERENS HILL GESTION DE ACTIVOS, SA ES 2.00 n.a. 1 - IP 08/2012
75. CAJA DE SEGUROS REUNIDOS, COMPAÑIA ES 1.85 n.a. 1 - IP 03/2012
76. EUROPEA DE TITULIZACION, SA, SGF T ES 1.54 n.a. 1 - IP 09/2011

77. ACCIONA S.A. ES 0.07 n.a. 1 - IP 09/2011
78. ADOLFO DOMINGUEZ S.A. ES - n.a. 1 - IP 08/2012
79. AEROPUERTOS DE LA REGION DE MURCIA ES - n.a. 1 - IP 08/2012
S.A.
80. AGUAS DE PANTICOSA, SA ES - n.a. 1 - IP 03/2012
81. ALQUEZAR PATRIMONIAL SOCIEDAD ES - n.a. 1 - IP 03/2012
LIMITADA
82. AUTOPISTA DE LA COSTA CALIDA ES - n.a. 1 - IP 09/2011
CONCESIONARIA ESPAÑOLA DE
AUTOPISTAS SA
83. AVALIS DE CATALUNYA, SOCIEDAD DE ES - n.a. 1 - IP 03/2012

GARANTIA RECIPROCA
84. BANCO DE GUAYAQUIL EC - n.a. 1 - IP 08/2012
85. BELEGAR INVERSIONES SL ES - n.a. 1 - IP 08/2012
86. CONCESSIA CARTERA Y GESTION DE ES - n.a. 1 - IP 03/2012
INFRAESTRUCTURAS SA
87. CONSTRUCCIONES ACCESORIOS TURBO- ES - n.a. 1 - IP 03/2012
PACONSA SA
88. DEOLEO, S.A. ES - n.a. 1 - IP 08/2012
89. DIANA CAPITAL I F C R ES - n.a. 1 - IP 08/2012
90. GAS NATURAL SDG, S.A. ES - n.a. 1 - IP 08/2012
91. GEMINIS ACTIVOS SL ES - n.a. 1 - IP 08/2012
92. GESTION TRIBUTARIA TERRITORIAL SA ES - n.a. 1 - IP 09/2011
93. HANSA BAJA INVESTMENTS S. DE R.L. DE MX - n.a. 1 - IP 08/2012
C.V.
94. HOTEL SIETE CORONAS SA ES - n.a. 1 - IP 08/2012
95. IBERDROLA SA ES - n.a. 1 - IP 09/2011
96. INDUSTRIALHAMA SA ES - n.a. 1 - IP 09/2011
97. INVERSIONES SOCIAL DOCENTE DEL ES - n.a. 1 - IP 08/2012
98. ISBA, SOCIEDAD DE GARANTIA ES - n.a. 1 - IP 09/2011
RECIPROCA
99. LAZORA, SA ES - n.a. 1 - IP 08/2012
100. LICASA 1 SA ES - n.a. 1 - IP 08/2012
50 00
50 44
Bank SAE.
nager for more
nager for more
Watch
IFRS IFRS IFRS

31/12/2006 31/12/2005 31/12/2004
49,131.7 37,091.5 26,378.6

50,008.6 37,740.6 26,889.0
876.9 649.1 510.4
10,891.8 9,341.5 7,329.9
910.4 749.5 1,314.8
584.7 257.4 165.9
9,375.9 8,307.9 5,838.9
20.8 26.7 10.3
60,023.5 46,433.0 33,708.5
669.5 568.0 525.1
1,550.8 1,093.7 1,124.2
62,243.8 48,094.7 35,357.8
27,893.6 24,026.9 21,461.0

20,753.7 18,115.3 15,853.1
3,934.2 3,285.1 3,393.4
3,205.7 2,626.5 2,214.5
26,031.9 16,453.7 7,766.7
521.1 14.8 n.a.
104.9 67.4 n.a.
25,405.9 16,371.5 7,766.7
3,801.3 3,478.8 3,089.5
n.a. n.a. n.a.
333.8 353.4 339.9
4,183.2 3,781.9 2,700.7
62,243.8 48,094.7 35,357.8
407.8 360.6 276.4

876.9 649.1 510.4
1,811.7 1,355.4 1,857.6
52.6 12.9 12.7
11,393.1 9,772.8 8,358.2
300.0 300.0 300.0

870.7 483.9 456.1

31/12/2006 31/12/2005 31/12/2004
897.3 776.2 647.4
463.1 327.3 247.6
4.5 7.7 2.8
0.9 0.2 0.0
172.0 148.8 125.8

285.7 170.6 119.0
668.2 578.7 506.9
297.7 190.8 148.3
124.4 57.6 69.2
518.9 391.6 309.0
143.1 92.1 71.9
375.8 299.5 237.1
1,310.3 1,096.9 887.7
52.2 6.4 n.a.
11.90 13.01 13.23

7.13 8.19 8.44
5,165.8 4,574.6 3,147.0
3,087.4 2,877.6 2,292.0
66.5 59.1 65.0
IFRS IFRS IFRS

31/12/2006 31/12/2005 31/12/2004
1,885.1 1,301.6 985.9
122.0 96.1 77.0
58.1 45.7 7.7
2,065.2 1,443.4 1,070.6
812.9 390.9 317.8

355.0 276.3 105.4
1,167.9 667.2 423.2
897.3 776.2 647.4
4.5 7.7 2.8

23.5 36.0 26.0
0.9 0.2 0.0
89.7 69.4 52.9

172.0 148.8 125.8
122.4 58.6 32.8
413.0 320.7 240.3
358.3 324.2 309.2
309.9 254.5 197.7
668.2 578.7 506.9
50.1 6.6 7.3

692.2 524.8 388.1
297.7 190.8 148.3
n.a. n.a. n.a.
394.5 334.0 239.8
n.a. n.a. n.a.

124.4 30.0 n.a.
6.8 n.a. n.a.
n.a. n.a. n.a.
6.8 27.6 69.2
518.9 391.6 309.0
143.1 92.1 71.9
n.a. n.a. n.a.
375.8 299.5 237.1
114.3 481.0 243.9

n.a. n.a. n.a.
-6.5 1.6 n.a.
n.a. n.a. n.a.
483.6 782.1 481.0
41.0 23.1 9.9
334.8 276.4 227.2
52.2 6.4 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
26,437.1 18,465.1 14,192.4
22,712.5 15,093.9 11,831.2
859.0 4,181.6 865.4
876.9 649.1 510.4
49,131.7 37,091.5 26,378.6
50,008.6 37,740.6 26,889.0
407.8 360.6 276.4
n.a. n.a. n.a.
910.4 749.5 1,314.8

n.a. n.a. n.a.
96.9 98.9 132.8
584.7 257.4 165.9
7,866.9 7,867.7 5,443.3
1,146.0 123.3 n.a.
266.1 218.0 262.8
n.a. n.a. n.a.
9,960.6 8,565.3 6,004.8
2,532.4 2,891.1 2,073.7
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
20.8 26.7 10.3
60,023.5 46,433.0 33,708.5
804.4 507.0 410.0

n.a. n.a. n.a.
n.a. n.a. n.a.
669.5 568.0 525.1
22.2 9.4 9.4
30.4 3.5 3.3
0.6 0.8 196.3
370.5 332.9 182.7
n.a. n.a. n.a.
322.7 240.1 322.5
62,243.8 48,094.7 35,357.8
11,218.4 10,423.2 8,960.9

n.a. n.a. n.a.
9,535.3 7,692.1 6,892.2
20,753.7 18,115.3 15,853.1
3,934.2 3,285.1 3,393.4
n.a. n.a. n.a.
3,205.7 2,626.5 2,214.5
27,893.6 24,026.9 21,461.0
24,235.2 15,587.6 7,010.6

870.7 483.9 456.1
n.a. n.a. n.a.
25,105.9 16,071.5 7,466.7
521.1 14.8 n.a.
104.9 67.4 n.a.
53,625.5 40,180.6 28,927.7
n.a. n.a. n.a.

n.a. n.a. n.a.
333.8 353.4 339.9
59.0 21.1 8.0
481.3 470.8 306.9
n.a. n.a. n.a.
n.a. n.a. n.a.
2,479.2 2,350.9 2,070.8
781.8 636.0 703.8
57,760.6 44,012.8 32,357.1
300.0 300.0 300.0
548.1 548.1 459.6
2,276.1 2,016.5 1,760.5

525.4 490.8 236.7
839.2 724.9 243.9
n.a. n.a. n.a.
-5.6 1.6 0.0
3,635.1 3,233.8 2,241.1

62,243.8 48,094.7 35,357.8
3,397.6 n.a. n.a.
4,095.7 n.a. n.a.
4.30 4.03 n.a.

4.18 2.30 n.a.
3.88 3.60 n.a.

2.49 1.93 n.a.
1.69 1.94 n.a.

1.13 1.46 n.a.
1.69 1.94 n.a.

31.52 29.24 27.07
51.00 52.76 57.10
1.21 1.39 n.a.
20.15 19.17 n.a.
1.25 1.26 n.a.
43.01 36.36 38.21
11.49 12.20 n.a.

0.72 0.80 n.a.
27.58 23.52 23.27
1.60 1.49 1.43
0.91 0.95 0.88
10.94 10.94 n.a.

0.68 0.72 n.a.
14.08 28.57 n.a.
0.88 1.87 n.a.
n.a. n.a. n.a.
0.87 0.85 0.87

1.12 2.23 1.77
7.85 n.a. n.a.

9.46 n.a. n.a.
5.48 6.36 5.82
7.13 8.19 8.44
11.90 13.01 13.23
n.a. n.a. n.a.
5.84 6.72 6.34
13.89 2.14 n.a.
10.79 0.82 n.a.
n.a. n.a. n.a.

8.90 9.06 10.58
29.42 36.02 n.a.

32.51 40.36 n.a.
0.82 0.96 1.03
1.75 1.72 1.90
215.03 180.01 184.66
-12.90 -8.92 -10.44
0.68 0.59 n.a.

0.15 0.18 n.a.
0.82 0.96 1.03
240.96 208.34 169.61

23.14 22.82 38.75
39.08 45.10 54.80
n.a. n.a. n.a.
n.a. n.a. n.a.
3,046.1 2,339.3 1,762.3

n.a. n.a. n.a.
n.a. n.a. n.a.

8,347.0 7,433.5 6,595.9
73,636.9 57,867.5 43,716.0
43,300.9 35,120.2 27,151.8
n.a. n.a. n.a.
43,300.9 35,120.2 27,151.8
43,874.6 32,314.8 n.a.

53,228.3 40,070.8 n.a.
55,169.3 41,726.3 n.a.
n.a. n.a. n.a.
46,903.1 34,554.2 n.a.
2,146.3 1,888.5 n.a.
3,434.5 2,737.5 n.a.
19,434.5 16,984.2 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
595.3 266.6 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
870.7 483.9 456.1
n.a. n.a. n.a.
375.8 299.5 237.1

n.a. n.a. n.a.
n.a. n.a. n.a.
3,635.1 3,233.8 2,241.1

548.1 548.1 459.6
n.a. n.a. n.a.

n.a. n.a. n.a.
3,635.1 3,233.8 2,241.1
0.0 n.a. n.a.
0.0 n.a. n.a.

22.2 9.4 9.4
30.4 3.5 3.3
184.9 175.6 182.7
0.0 n.a. n.a.
0.0 n.a. n.a.
3,397.6 n.a. n.a.

698.1 698.1 698.1
0.0 n.a. n.a.
4,095.7 n.a. n.a.
1,456.1 n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,885.1 1,301.6 985.9
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
812.9 390.9 317.8
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1.7 42.6 79.1
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
58.7 13.5 18.4
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
60.4 56.1 97.5
3,249.0 2,647.8 1,981.9
1,676.7 2,780.0 1,994.6

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,941.2 2,439.9 1,466.8
n.a. n.a. n.a.
7,866.9 7,867.7 5,443.3
292.0 54.8 n.a.
854.0 68.5 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,146.0 123.3 n.a.
2,530.7 2,848.5 1,994.6
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,999.9 2,453.4 1,485.2
n.a. n.a. n.a.

n.a. n.a. n.a.
66.5 59.1 65.0
774.2 571.9 410.7

102.7 77.2 99.5
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
3.0 3.0 3.0
n.a. n.a. n.a.

2,273.1 2,013.5 1,757.5
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
525.4 490.8 236.7
3,109.7 2,743.0 2,004.4
2,276.1 2,016.5 1,760.5
839.2 724.9 243.9
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
839.2 724.9 243.9
-0.7 n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
838.5 724.9 243.9
n.a. n.a. n.a.
838.5 724.9 243.9
548.1 548.1 459.6
4,183.2 3,781.9 2,700.7
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

52.2 6.4 n.a.
52.2 6.4 n.a.
n.a. n.a. n.a.
184.9 175.6 182.7
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
698.1 698.1 698.1
698.1 698.1 698.1
698.1 698.1 698.1
3,087.4 2,877.6 2,292.0

5,165.8 4,574.6 3,147.0
7.13 8.19 8.44
11.90 13.01 13.23
43,300.9 35,120.2 27,151.8
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
165.7 101.2 14.8
9,960.6 8,565.3 6,004.8

n.a. n.a. n.a.
9,960.6 8,565.3 6,004.8
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.

1,067 1,006 922
7.13 8.19 8.44
n.a. n.a. n.a.
11.90 13.01 13.23
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
557.0 304.4 197.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2006 31/12/2005 31/12/2004
1.75 1.72 1.90

33.18 24.58 22.91
215.03 180.01 184.66
0.82 0.96 1.03
0.15 0.18 0.24
9.87 12.05 16.87
9.75 9.54 10.23
n.a. n.a. n.a.
7.13 8.19 8.44
11.90 13.01 13.23
6.72 7.86 7.64
8.51 10.20 10.24
15.00 15.74 12.58
7.35 8.69 8.47
8.60 9.49 9.78
10.90 12.31 13.11
19.19 19.00 16.11
9.41 10.49 10.84
16.26 10.60 13.19
1.69 1.94 1.92

1.63 1.86 1.83
0.84 0.78 0.70
1.75 1.84 1.85
0.72 0.80 0.68
-0.03 -0.08 -0.01
0.68 0.72 0.67
9.44 9.24 8.78
13.89 2.14 n.a.
8.13 9.04 n.a.
33.10 19.23 29.19
49.12 52.44 56.64
1.26 1.26 1.10
23.14 22.82 38.75

78.93 77.12 74.61
176.14 154.38 122.91
93.13 93.44 92.65
6.50 5.64 8.66
3.43 3.41 6.52
ank information
No of
employees
10,675
n.a.
Op.
Date of Vari- No of
Revenue
(mil USD)*
09/2011 ð n.a. n.a.

05/2009 - n.a. n.a.
12/2010 ð n.a. n.a.

12/2010 - n.a. n.a.
12/2010 - n.a. n.a.
12/2010 - n.a. n.a.

12/2010 ö 10.0 60.0
08/2012 ð 1.0 2.0
03/2012 ð 6.0 131.0
03/2012 ð n.a. n.a.
03/2012 ð 1.0 20.0
09/2011 ð n.a. n.a.
09/2011 ð n.a. n.a.

08/2012 ð - -
09/2011 ð n.a. n.a.

12/2010 ð n.a. n.a.
12/2010 ð <0,5 n.a.
08/2012 ð n.a. n.a.
12/2010 ð <0,5 n.a.
12/2010 ð n.a. 1.0
12/2010 ð <0,5 n.a.
12/2010 ð n.a. n.a.
12/2010 ð n.a. n.a.
12/2010 ð n.a. n.a.
12/2010 ð n.a. n.a.
12/2010 ð n.a. n.a.

12/2010 ö <0,5 n.a.
12/2010 ð n.a. n.a.
09/2011 ð n.a. n.a.
12/2010 ð n.a. n.a.

12/2010 ð 51.0 n.a.
12/2010 ð n.a. n.a.
12/2010 ð 1.0 9.0
12/2010 ö n.a. 1.0
12/2010 ø n.a. n.a.
12/2010 ö <0,5 4.0
12/2010 ð n.a. n.a.
03/2012 ö n.a. 3.0
09/2011 ð n.a. n.a.
12/2010 ö n.a. n.a.

09/2011 ð 167.0 5.0
03/2012 ð 5.0 105.0

08/2012 ð n.a. n.a.
08/2012 ð 20.0 64.0
12/2010 ð n.a. n.a.
08/2012 ð - -
12/2010 ð n.a. n.a.
08/2012 ð 7.0 n.a.
12/2010 ð n.a. n.a.
03/2012 ð n.a. n.a.
09/2011 ð 14.0 147.0
08/2012 ð 86.0 343.0

03/2012 ö 2.0 n.a.
09/2011 ð <0,5 n.a.
03/2012 ö 4.0 18.0
09/2011 ð n.a. n.a.
08/2012 ø 619.0 1,396.0

08/2012 ø 62.0 79.0
03/2012 ö 8.0 25.0
09/2011 ð 818.0 380.0
09/2011 ø 117.0 1,262.0
03/2012 ö <0,5 13.0
12/2010 ð 1,728.0 17,879.0

09/2011 ð n.a. n.a.
12/2010 ð 465.0 1,263.0
09/2011 ð 8.0 90.0
09/2011 ö 7.0 8.0

08/2012 ð 1.0 9.0
03/2012 ö 7.0 5.0
09/2011 ø <0,5 11.0
09/2011 ð 123.0 583.0
08/2012 ð 65.0 106.0
03/2012 ö 24.0 88.0
08/2012 ð 8.0 18.0

03/2012 ö 3,619.0 3,307.0
09/2011 ð n.a. n.a.

09/2011 ð 9,577.0 31,857.0
08/2012 ð 210.0 1,930.0
08/2012 ð 4.0 n.a.
03/2012 - 5.0 106.0

03/2012 ø <0,5 n.a.
09/2011 ð 12.0 83.0
03/2012 ø 3.0 23.0
08/2012 ð 269.0 n.a.

08/2012 ð <0,5 1.0
03/2012 ø <0,5 n.a.
03/2012 ð 105.0 1,000.0
08/2012 ð 1,273.0 1,006.0

08/2012 ð n.a. n.a.
08/2012 ð 27,611.0 16,724.0
08/2012 ð n.a. n.a.
09/2011 ø 39.0 391.0
08/2012 - n.a. n.a.
08/2012 ð 6.0 59.0

09/2011 ø 41,791.0 31,885.0
09/2011 ø <0,5 2.0
08/2012 ð n.a. n.a.
09/2011 - 2.0 20.0
08/2012 ð 38.0 n.a.

08/2012 ð 1.0 n.a.
OP-Pohjola Group
00101 HELSINKI BvD ID number FI02425221

FINLAND Index number 31978
Status Active
The GUO of this controlled subsidiary is OSUUSPANKKIKESKUS OSK
Contact details
P.O. Box 308 Phone number +358 (10) 252 010

Fax number +358 (10) 252 36 46
00101 HELSINKI Web Site Address www.okobank.com
FINLAND
Formerly known as OP Bank Group

Bank History :
Established in 1928. In June 2003, OKO Bank Group Central Cooperative changed its name to OP Bank Group Central
Cooperative. In September 2007, changed its name to OP-Pohjola Group.
Accounting Standards International Financial Nickname OPGRPIFR
Name of the Auditor KPMG OY AB Model ALLBANKS
Types of accounts Cons. & Add. Cons.
available

Latest net income 436 mil EUR Ranking (Country), 2
No of recorded 50 rolling
subsidiaries
Peer Group

Size 1,761
information.
Country ratings (FINLAND, as at 11/11/2012)
information.
Global summary

Preliminary Original Original Original
31/12/2011 31/12/2010 31/12/200 31/12/2008
BALANCE SHEET
Assets
Loans 60,331.0 56,834.0 52,992.0 51,709.0
Gross Loans 60,700.0 57,177.0 53,123.0 51,846.0
Derivatives 3,307.0 1,933.0 1,423.0 1,470.0
Fixed Assets 702.0 716.0 761.0 762.0
Total Assets 91,905.0 83,969.0 80,430.0 75,745.0

Derivatives 3,232.0 1,951.0 1,360.0 1,567.0
Equity 6,242.0 6,726.0 6,187.0 5,215.0
Notes

Subordinated Debts (Memo) 931.0 956.0 1,028.0 1,082.0
INCOME STATEMENT
31/12/2011 31/12/2010 31/12/200 31/12/2008
Net Interest Revenue 1,057.0 933.0 1,061.0 1,180.0
Other Operating Income 1,110.0 1,240.0 972.0 620.0
Statement
Overheads 1,365.0 1,286.0 1,248.0 1,238.0
Other -176.0 -163.0 -142.0 -132.0
Tax 89.0 135.0 126.0 151.0
Net Income 436.0 440.0 338.0 221.0

Tier 1 Ratio 14.00 12.80 12.60 12.60
Total Capital 4,753.0 5,454.0 5,227.0 4,931.0
Tier 1 Capital 4,753.0 5,454.0 5,227.0 4,884.0

31/12/2011 31/12/2010 31/12/200 31/12/2008
Income Statement

Interest Expense on Customer Deposits 397.0 269.0 472.0 1,010.0

Net Interest Income 1,057.0 933.0 1,061.0 1,180.0
Net Gains (Losses) on Other Securities n.a. 28.0 -25.0 -9.0
Statement
Total Non-Interest Operating Income 1,106.0 1,238.0 971.0 619.0


Pre-tax Profit 525.0 575.0 464.0 372.0
Tax expense 89.0 135.0 126.0 151.0
Net Income 436.0 440.0 338.0 221.0
Change in Value of AFS Investments n.a. 173.0 501.0 -545.0

Remaining OCI Gains/(losses) -407.0 -6.0 n.a. n.a.
Memo: Profit Allocation to Non-controlling Interests n.a. n.a. n.a. 0.0
Balance Sheet
Assets
Loans
Other Loans 60,700.0 57,177.0 53,123.0 51,846.0
Net Loans 60,331.0 56,834.0 52,992.0 51,709.0
Gross Loans 60,700.0 57,177.0 53,123.0 51,846.0
Trading Securities and at FV through Income 281.0 519.0 1,263.0 3,313.0
Derivatives 3,307.0 1,933.0 1,423.0 1,470.0
Available for Sale Securities n.a. 6,032.0 4,849.0 776.0
Held to Maturity Securities n.a. 978.0 1,163.0 1,198.0
Other Securities 8,343.0 n.a. n.a. n.a.
Memo: Government Securities included Above n.a. 348.0 324.0 761.0
Investments in Property n.a. 428.0 456.0 467.0
Non-earning Assets
Fixed Assets 702.0 716.0 761.0 762.0
Goodwill 632.0 630.0 630.0 630.0
Deferred Tax Assets n.a. 90.0 76.0 341.0
Other Assets 1,883.0 1,750.0 1,570.0 1,813.0
Total Assets 91,905.0 83,969.0 80,430.0 75,745.0
Customer Deposits - Savings n.a. n.a. n.a. n.a.
Customer Deposits - Term n.a. 11,015.0 10,464.0 13,609.0
Funding
Subordinated Borrowing 931.0 956.0 1,028.0 1,082.0
Derivatives 3,232.0 1,951.0 1,360.0 1,567.0
Total Funding 71,926.0 63,385.0 62,183.0 58,726.0
Current Tax Liabilities n.a. 34.0 33.0 7.0
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. 0.0 0.0 n.a.
Equity
Equity
Common Equity 6,437.0 6,608.0 6,241.0 5,771.0
Non-controlling Interest 3.0 n.a. n.a. 0.0
Securities Revaluation Reserves -198.0 118.0 -54.0 -556.0
Fixed Asset Revaluations and Other Accumulated n.a. n.a. n.a. 0.0
OCI
Total Equity 6,242.0 6,726.0 6,187.0 5,215.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
%
Capitalization
Core Tier 1 Regulatory Capital Ratio% 14.00 n.a. n.a. n.a.
Loan Quality
%
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 2,696.0 2,844.0 2,939.0 2,957.0

balance sheet
Average Loans 58,539.6 54,936.6 52,416.6 48,468.4
Average Assets 88,037.0 83,021.6 77,657.6 71,770.0
Average Equity 6,540.0 6,458.2 5,666.8 5,471.2
Maturities
Debt Securities < 3 Months 263.0 98.0 147.0 1,344.0

Debt Securities 3 - 12 Months 443.0 329.0 1,189.0 1,195.0
Debt Securities 1 - 5 Years 5,122.0 4,660.0 4,771.0 1,615.0
Debt Securities > 5 Years 1,849.0 1,926.0 696.0 763.0
Interbank < 3 Months 172.0 69.0 262.0 262.0

Interbank 3 - 12 Months 296.0 181.0 436.0 319.0
Interbank 1 - 5 Years 528.0 618.0 1,017.0 1,499.0
Interbank > 5 Years 109.0 252.0 267.0 370.0

Other Deposits < 3 Months 37,779.0 32,088.0 32,125.0 29,961.0

Other Deposits 3 - 12 Months 5,477.0 4,320.0 2,683.0 6,099.0
Other Deposits 1 - 5 Years 2,032.0 2,136.0 2,297.0 425.0
Other Deposits > 5 Years 687.0 660.0 502.0 597.0
Interbank < 3 Months 1,707.0 1,625.0 1,262.0 680.0
Interbank 3 - 12 Months 61.0 56.0 899.0 0.0
Interbank 1 - 5 Years 0.0 0.0 0.0 0.0
Interbank > 5 Years 15.0 15.0 13.0 13.0

Fair Value Portion of Senior Debt 0.0 0.0 n.a. n.a.
Subordinated Debt Maturing < 3 months 4.0 n.a. n.a. n.a.
Subordinated Debt Maturing 3-12 Months 315.0 407.0 103.0 29.0
Subordinated Debt Maturing 1- 5 Year 393.0 550.0 925.0 1,053.0
Subordinated Debt Maturing > 5 Years 219.0 n.a. n.a. n.a.
Total Subordinated Debt on Balance Sheet 931.0 956.0 1,028.0 1,082.0
Net Income 436.0 440.0 338.0 221.0
Equity 6,242.0 6,726.0 6,187.0 5,215.0
Add: Pref. Shares and Hybrid Capital accounted for n.a. 0.0 0.0 n.a.
as Equity

interests)
on the B/S- CC only
Goodwill 632.0 630.0 630.0 630.0
securitizations

Assets
Total Interest Expense on Customer Deposits 397.0 269.0 472.0 1,010.0
Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets n.a. 6,032.0 4,849.0 776.0

Total HTM Debt Securities n.a. 978.0 1,163.0 1,198.0
Asset Quality Data

Net Charge-offs
Reserves

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 333.0 n.a. n.a. n.a.

Retained Earnings 3,474.0 n.a. n.a. n.a.
dividends
Non-controlling Interest 3.0 n.a. n.a. 0.0
Total OCI Reserves 2,433.0 n.a. n.a. n.a.
Total Other Equity Reserves 2,433.0 n.a. n.a. n.a.
Hybrid Securities Reported in Equity 0.0 0.0 0.0 n.a.
Interests
absorbing

Deferred Tax Assets to be Deducted from Core n.a. n.a. n.a. n.a.
Capital
Regulatory Capital
II
Risk Weighted Assets - Credit Risk 30,556.0 n.a. n.a. n.a.
Risk Weighted Assets - Market Risk 571.0 n.a. n.a. n.a.
Risk Weighted Assets - Operational Market Risk 2,903.0 n.a. n.a. n.a.
II
Capital Charge Credit Risk 2,445.0 3,153.0 3,005.0 2,832.0
Capital Charge Market Risk 46.0 37.0 36.0 47.0
Capital Charge Operational Market Risk 232.0 228.0 277.0 221.0
Capital
deposits
banks

loans

Core Tier 1 Regulatory Capital Ratio% 14.00 n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/200 31/12/2008
Assets Quality 9
Capital
Tier 1 Ratio 14.00 12.80 12.60 12.60
Equity / Net Loans 10.35 11.83 11.68 10.09
Operations
Liquidity
Interbank Ratio 61.92 66.10 91.17 353.54
Date News
1 31/08/2012 OP-Pohjola has completed the acquisition of Skandia Life Finland
(deal no. 1601326868)
2 28/06/2012 OP-Pohjola Group Central Cooperative sells shares in Bank of
Georgia (deal no. 1601382999)
3 04/05/2012 OP-Pohjola Group Central Cooperative sells shares Bank of
4 27/04/2012 Finnish banks and retailers consider auctioning off Luottokunta:
Kauppalehti (deal no. 1601364880)
5 29/02/2012 OP-Pohjola osk acquires shares in Bank of Georgia Holdings
(deal no. 1601347958)
6 26/01/2012 Four bidders are interested in Luottokunta (deal no.
1601364880)
7 20/12/2011 Ovenia Group has acquired majority stake in Arenna (deal no.
1601328593)
8 05/05/2011 OP-Pohjola-ryhmä has increased its stake in Pohjola Pankki (deal
no. 1601268325)
9 23/02/2010 OP-Pohjola Group has increased stake in PKC Group (deal no.
1601163297)
10 22/02/2010 OP-Pohjola Group has increased stake in Huhtamäki (deal no.
1601162866)
11 22/01/2010 OP Pohjola Group has decreased stake in Tieto (deal no.
1601154405)
12 15/01/2010 OP-Pohjola-ryhmä has decreased stake in Huhtamäki (deal no.
1601152160)
13 11/12/2009 OP-Pohjola Group has increased stake in Huhtamäki (deal no.
1601145185)
14 30/07/2009 OP-Pohjola Group has decreased its stake in Lassila & Tikanoja
(deal no. 1601102273)
15 12/05/2009 OP-Pohjola-ryhmä has increased its stake in Lassila & Tikanoja
(deal no. 1601076815)
16 10/11/2008 OP-Pohjola-ryhmä has increased its stake in TietoEnator (deal
no. 1601029471)
17 09/09/2008 Finnish banks to merge (deal no. 1601064603)
18 04/04/2008 Osuuspankkikeskus Osk has acquired a minority stake in F-
Secure Oyj (deal no. 631719)
19 11/12/2007 Osuuspankkikeskus Osk decreases stake in Sysopendigia (deal
no. 601117)
20 05/12/2007 Osuuspankkikeskus Osk decreases stake in Ixonos (deal no.
599737)
21 18/05/2007 Osuuspankkikeskus Osk increases stake in Ixonos (deal no.
539070)
22 11/05/2007 Osuuspankkikeskus Osk increases stake in Sysopendigia (deal
no. 537195)
23 08/12/2006 Osuuspankkikeskus Osk decreases stake in Cramo (deal no.
498821)
24 05/12/2006 Osuuspankkikeskus Osk increases stake in Cramo (deal no.
497929)
25 10/10/2006 Osuuspankkikeskus Osk decreases stake in SysOpen Digia (deal
no. 483453)
26 05/10/2006 Osuuspankkikeskus Osk increases stake in SysOpen Digia (deal
no. 483444)
27 14/07/2006 GMT Communications Partners to acquire Suomen Asiakastieto
(deal no. 456833)
28 16/06/2006 Osuuspankkikeskus Osk decreases stake in HK Ruokatalo Group
(deal no. 452168)
29 06/06/2006 Osuuspankkikeskus Osk decreases stake in Finnlines (deal no.
448403)
30 11/05/2006 Osuuspankkikeskus Osk decreases stake in SysOpen Digia (deal
no. 442300)
31 13/04/2006 Osuuspankkikeskus Osk decreases stake in Tecnomen (deal no.
437169)
32 31/03/2006 Osuuspankkikeskus Osk decreases stake in Efore (deal no.
431997)
33 30/03/2006 Osuuspankkikeskus Osk to acquire remaining stake in OP-
Asuntoluottopankki (deal no. 431555)
34 13/03/2006 Osuuspankkikeskus Osk increases stake in SysOpen Digia (deal
no. 426697)
35 23/02/2006 Osuuspankkikeskus Osk increases stake in Finnlines (deal no.
421686)
36 19/01/2006 Osuuspankkikeskus Osk acquires Pohjolan Systeemipalvelu (deal
no. 376988)
37 12/09/2005 Osuuspankkikeskus Osk to acquire Henkivakuutusosakeyhtiö
Pohjola (deal no. 376969)
38 12/09/2005 Osuuspankkikeskus Osk to acquire Pohjola Rahastoyhtiö (deal
no. 376980)
39 12/09/2005 Osuuspankkikeskus Osk to acquire Okopankki (deal no. 377007)
40 28/01/2005 Osuuspankkikeskus Osk decreases stake in KCI Konecranes

(deal no. 313694)
41 15/10/2004 Osuuspankkikeskus Osk increases stake in KCI Konecranes (deal
no. 285482)
42 04/03/2004 Osuuspankkikeskus Osk decreases its stake Talentum (deal no.
230724)
Source : Zephyr
Boards & committees

1. Mr. Reijo Karhinen - Executive Chairman ExeB VI
P039804882
2. Mr. Tony Eerik Vepsäläinen - Vice Chairman of the Executive ExeB VI
P039807073 Board
3. Mr. Tom Björn Dahlström - Member of the Executive Board ExeB VI
P083619231 (since 2010)
4. Mrs. Carina Geber-Teir - Member of the Executive Board ExeB VI
P134263884 (since 2009)
5. Mr. Markku Koponen - Deputy Member of the Executive ExeB VI
P039795673 Board (since 2009)
6. Mr. Harri-Aatos Luhtala - Member of the Executive Board ExeB VI
P039807076 (since 2007)
7. Mr. Erik Palmén - Member of the Executive Board ExeB VI
P134263885 (since 2010)
8. Mr. Heikki Vitie - Member of the Executive Board ExeB VI
P130017197 (since 1994)
Management & staff

1. Mrs. Leena Kallasvuo - Chief Audit Executive SenMan VI
P134265037
2. Mr. Harri-Aatos Luhtala - Chief Financial Officer FinAcc VI
P039807076
3. Rami Tulonen - Controller FinAcc VI
P134265033
4. Mr. Heikki Vitie - Chief Administrative Officer AdmDep VI
P130017197
5. Mr. Markku Koponen - Chief Legal Officer LegDep VI
P039795673
6. Mrs. Carina Geber-Teir - Chief Communications Officer Oper VI
P134263884
7. Juha Kortesalmi - Vice President, CSR Oper VI
P134265035
8. Mrs. Stina Suominen - Senior Vice President, Brands Oper VI
P134265036 and CSR
9. Sanna Auvinen - CSR Manager Oper VI
P134265034
10. Mr. Tom Björn Dahlström - Chief Strategy Officer OthDep VI
P083619231
11. Mr. Erik Palmén - Chief Risk Officer OthDep VI
P134263885
12. Mr. Tony Eerik Vepsäläinen - Chief Business Development OthDep VI
P039807073 Officer

Op.
- try (%) (%) ident. info. (mil employees
USD)*
OSUUSPANKKIKESKUS OSK n.a. C 56.85 n.a. WW 02/2009 n.a. n.a.
OP-POHJOLA GROUP FI B 2,799.0 13,229
Ownership Source
Level
Coun Direct Total Source Date of Vari-
- try (%) (%) ident. info. ation
own.
Level
Coun Direct Total Source Date of Vari-
- try (%) (%) ident. info. ation
own.
1. HELSINKI OP BANK PLC FI 100.00 100.00 1 - RM 01/2011 ð

2. KIINTEISTÖ OY HÄMEENKIVI FI 100.00 100.00 1 - RM 12/2010 -
3. KIINTEISTÖ OY JYVÄSKYLÄN KASSATALO FI 100.00 100.00 1 - RM 12/2010 -
4. KIINTEISTÖ OY TAMPEREEN HÄMEENKATU FI 100.00 100.00 1 - RM 12/2010 -

12
5. KIINTEISTÖ OY VAMMALAN TORIKESKUS FI 100.00 100.00 1 - RM 12/2010 -
6. OP IT PROCUREMENT LTD FI 100.00 100.00 1 - RM 01/2011 -
7. OP MORTGAGE BANK FI 100.00 100.00 1 - RM 01/2011 ð
8. OP-PALVELUT OY FI 100.00 100.00 1 - IP 01/2012 ñ
9. OP-SERVICES LTD n.a. 100.00 100.00 1 - RM 01/2011 -
10. OP BANK GROUP MUTUAL INSURANCE FI 14.90 100.00 1 - RM 01/2011 ð
COMPANY
11. KIINTEISTÖ OY ARKADIANKATU 23 FI - 100.00 1 - RM 12/2010 ð
12. KIINTEISTÖ OY KANTA-SARVIS II FI - 100.00 1 - RM 12/2010 ð
13. KIINTEISTÖ OY PIISPANKALLIONTIE 13- FI - 100.00 1 - RM 12/2010 ð
15
14. KIINTEISTÖ OY SÄTERINKATU 6 FI - 100.00 1 - RM 12/2010 ð
15. KIINTEISTÖ OY SÄÄSTÖRAHA FI - 100.00 1 - RM 12/2010 ð
16. OP-KOTIPANKKI OYJ FI - 100.00 1 - RM 01/2011 ð
17. OP-RAHASTOYHTIÖ OY FI - 100.00 1 - IP 01/2012 ð
18. OP LIFE ASSURANCE COMPANY LIMITED FI - WO 1 - RS 12/2010 ø
19. MIKKELIN FORUM OY FI 87.10 n.a. 1 - RM 12/2010 -
20. POHJOLA BANK PLC-POHJOLA PANKKI OYJ FI 61.00 n.a. 1 - RS 12/2011 ö
21. KIINTEISTÖ OY TURUN ASEMANSEUTU FI 49.50 n.a. 1 - RM 12/2010 -

22. KIINTEISTÖ OY JYVÄSKYLÄN TORIKULMA FI 41.70 n.a. 1 - RM 12/2010 ð
23. FD FINANSSIDATA OY FI 36.00 n.a. 1 - IP 01/2010 ø

24. AUTOMATIA PANKKIAUTOMAATIT OY FI 33.30 n.a. 1 - IP 08/2011 ð
25. OPSET OY FI 24.00 n.a. 1 - IP 06/2011 ö
26. KIINTEISTÖ OY KAISANIEMENKATU 1 FI 22.40 n.a. 1 - RM 12/2010 ð
27. F-SECURE OYJ FI - 5.01 1 - SE 09/2010 ð
28. HUHTAMAKI OYJ FI - 4.91 1 - SE 12/2010 ø
29. TIETO OYJ FI - 3.38 1 - SE 06/2011 ø
30. TALENTUM OYJ FI - 0.14 1 - SE 06/2011 ø
31. JOKAKOTI OY FI - n.a. 1 - IP 04/2011 -
32. OP IT-HANKINTA OY FI - n.a. 1 - IP 02/2010 ð
33. OP-PROSESSIPALVELUT OY FI - n.a. 1 - IP 07/2010 -
34. OP-TIIMIT OY FI - n.a. 1 - IP 07/2010 -
35. OP-VALLILA RAHASTO VYM OY FI - n.a. 1 - IP 07/2010 -
36. OPTOKKI OY FI - n.a. 1 - IP 07/2010 -
37. TULPPU OY FI - n.a. 1 - IP 12/2008 -
2 010
2 36 46
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Watch
IFRS IFRS IFRS

Audited Unqualified Not Audited
31/12/2007 31/12/2006 31/12/2005
44,777.0 39,594.0 34,807.0

44,895.0 39,718.0 34,941.0
118.0 124.0 134.0
16,708.0 16,516.0 14,452.0
285.0 1,111.0 666.0
525.0 319.0 126.0
6,291.0 5,760.0 5,025.0
9,607.0 9,326.0 8,635.0
61,485.0 56,110.0 49,259.0
715.0 702.0 690.0
3,515.0 2,723.0 2,896.0
65,715.0 59,535.0 52,845.0
38,032.0 34,729.0 32,759.0

31,224.0 27,715.0 26,475.0
949.0 1,088.0 2,025.0
5,859.0 5,926.0 4,259.0
10,434.0 8,768.0 5,456.0
554.0 340.0 167.0
52.0 -74.0 -56.0
9,828.0 8,502.0 5,345.0
11,611.0 10,089.0 8,917.0
n.a. n.a. n.a.
n.a. 7.0 16.0
5,638.0 5,942.0 5,697.0
65,715.0 59,535.0 52,845.0
318.0 218.0 226.0

118.0 124.0 134.0
3,184.0 3,877.0 5,120.0
1,230.0 1,255.0 1,199.0
10,845.0 10,390.0 7,957.0
795.0 n.a. n.a.

818.0 855.0 653.0

31/12/2007 31/12/2006 31/12/2005
1,048.0 883.0 776.0
1,182.0 1,026.0 651.0
37.0 51.0 16.0
-68.0 10.0 10.0
430.0 396.0 340.0

783.0 569.0 285.0
1,212.0 1,100.0 856.0
13.0 9.0 6.0
n.a. n.a. 14.0
1,005.0 800.0 579.0
266.0 202.0 125.0
739.0 598.0 454.0
2,227.0 1,907.0 1,427.0
n.a. n.a. n.a.
13.80 14.30 14.60

12.60 12.70 13.10
5,268.0 4,808.0 4,409.0
4,826.0 4,271.0 3,951.0
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
2,087.0 1,494.0 1,168.0
1,543.0 846.0 407.0
25.0 21.0 10.0
3,655.0 2,361.0 1,585.0
657.0 432.0 313.0

1,950.0 1,046.0 496.0
2,607.0 1,478.0 809.0
1,048.0 883.0 776.0
37.0 51.0 16.0

26.0 -18.0 20.0
-68.0 10.0 10.0
599.0 438.0 135.0

430.0 396.0 340.0
155.0 147.0 130.0
1,179.0 1,024.0 651.0
553.0 527.0 387.0
659.0 573.0 469.0
1,212.0 1,100.0 856.0
3.0 2.0 n.a.

1,018.0 809.0 571.0
13.0 9.0 6.0
n.a. n.a. n.a.
1,005.0 800.0 565.0
n.a. n.a. 0.0

n.a. n.a. 14.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
1,005.0 800.0 579.0
266.0 202.0 125.0
n.a. n.a. n.a.
739.0 598.0 454.0
-154.0 -34.0 178.0

n.a. n.a. n.a.
0.0 1.0 -1.0
n.a. 34.0 354.0
585.0 599.0 985.0
0.0 0.0 4.0
739.0 598.0 450.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
44,895.0 39,718.0 34,941.0
118.0 124.0 134.0
44,777.0 39,594.0 34,807.0
44,895.0 39,718.0 34,941.0
318.0 218.0 226.0
n.a. n.a. n.a.
285.0 1,111.0 666.0

n.a. n.a. n.a.
2,310.0 2,491.0 3,841.0
525.0 319.0 126.0
1,358.0 3,101.0 936.0
116.0 133.0 198.0
26.0 35.0 50.0
2,481.0 n.a. n.a.
6,816.0 6,079.0 5,151.0
338.0 404.0 365.0
n.a. n.a. n.a.
496.0 504.0 508.0
9,111.0 8,822.0 8,127.0
0.0 0.0 0.0
61,485.0 56,110.0 49,259.0
589.0 275.0 613.0

n.a. n.a. n.a.
n.a. n.a. n.a.
715.0 702.0 690.0
620.0 608.0 696.0
610.0 647.0 503.0
19.0 12.0 n.a.
98.0 77.0 117.0
n.a. n.a. n.a.
1,579.0 1,104.0 967.0
65,715.0 59,535.0 52,845.0
21,098.0 27,715.0 26,475.0

n.a. n.a. n.a.
10,126.0 n.a. n.a.
31,224.0 27,715.0 26,475.0
949.0 1,088.0 2,025.0
n.a. n.a. n.a.
5,859.0 5,926.0 4,259.0
38,032.0 34,729.0 32,759.0
8,215.0 7,647.0 4,692.0

818.0 855.0 653.0
n.a. n.a. n.a.
9,033.0 8,502.0 5,345.0
554.0 340.0 167.0
52.0 -74.0 -56.0
47,671.0 43,497.0 38,215.0
n.a. -13.0 4.0

n.a. n.a. n.a.
n.a. 7.0 16.0
37.0 36.0 48.0
856.0 798.0 753.0
n.a. n.a. n.a.
n.a. n.a. 49.0
8,239.0 7,766.0 6,842.0
2,479.0 1,502.0 1,221.0
59,282.0 53,593.0 47,148.0
795.0 n.a. n.a.
n.a. 818.0 939.0
5,645.0 4,590.0 4,024.0

3.0 2.0 203.0
-10.0 144.0 178.0
n.a. n.a. n.a.
n.a. 388.0 353.0
5,638.0 5,124.0 4,758.0

65,715.0 59,535.0 52,845.0
n.a. n.a. n.a.
n.a. n.a. n.a.
4.93 4.01 3.56

2.24 1.60 1.24
6.24 4.45 3.69

5.68 3.54 2.28
1.79 1.66 1.81

1.77 1.65 1.79
1.79 1.66 1.81

52.94 53.70 45.62
54.42 57.68 59.99
1.92 1.92 1.88
18.86 16.80 14.98
1.61 1.41 1.25
1.28 1.11 1.05
18.62 16.62 14.82

1.59 1.40 1.24
26.47 25.25 21.59
2.66 2.40 1.89
2.63 2.37 1.87
13.69 12.42 11.91

1.17 1.04 1.00
10.84 12.44 25.84
0.92 1.05 2.16
n.a. n.a. n.a.
1.93 1.77 1.50

1.53 1.78 3.26
n.a. n.a. n.a.

n.a. n.a. n.a.
6.83 6.62 6.89
12.60 12.70 13.10
13.80 14.30 14.60
n.a. n.a. n.a.
8.58 8.61 9.00
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

13.11 11.67 9.54
10.38 12.66 27.45

13.03 13.67 12.89
0.71 0.55 0.65
0.26 0.31 0.38
37.11 56.88 59.29
3.55 1.83 1.93
0.03 0.02 0.02

n.a. n.a. n.a.
0.71 0.55 0.65
143.78 143.31 131.98

30.03 102.11 32.89
66.27 64.22 69.58
n.a. n.a. n.a.
n.a. n.a. n.a.
2,398.0 2,231.0 1,723.0

n.a. n.a. n.a.
7,708.0 7,417.0 6,234.0

739.0 742.0 n.a.
76,560.0 69,925.0 60,802.0
38,245.0 33,718.0 30,194.0
n.a. n.a. n.a.
38,245.0 33,718.0 30,194.0
42,310.4 37,298.6 32,799.8

58,569.8 53,087.6 42,939.2
63,249.0 57,240.8 45,611.4
n.a. n.a. n.a.
45,924.8 41,784.0 35,557.8
4,823.8 4,585.6 2,666.2
5,398.4 4,814.8 3,812.2
29,352.6 27,009.8 25,303.8
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
818.0 855.0 653.0
n.a. n.a. n.a.
739.0 598.0 454.0

n.a. n.a. n.a.
n.a. n.a. n.a.
5,638.0 5,124.0 4,758.0

n.a. 818.0 939.0
n.a. n.a. n.a.

n.a. n.a. n.a.
5,638.0 5,124.0 4,758.0
n.a. -13.0 4.0
n.a. n.a. n.a.

620.0 608.0 696.0
610.0 647.0 503.0
2.0 11.3 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

795.0 818.0 939.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,087.0 1,494.0 1,168.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
657.0 432.0 313.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2,241.0 2,411.0 3,742.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
69.0 80.0 99.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
2,310.0 2,491.0 3,841.0
3,404.0 2,703.0 660.0
56.0 57.0 n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
379.0 341.0 276.0
n.a. n.a. n.a.
1,358.0 3,101.0 936.0
116.0 133.0 198.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
116.0 133.0 198.0
56.0 57.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
448.0 421.0 375.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
28.0 24.0 39.0

86.0 103.0 95.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
359.0 344.0 245.0
n.a. n.a. n.a.

3,051.0 4,246.0 3,779.0
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
3.0 2.0 203.0
5,635.0 5,122.0 4,555.0
5,638.0 4,590.0 4,024.0
n.a. n.a. 178.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 1.0
n.a. n.a. 179.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 179.0
n.a. n.a. n.a.
n.a. n.a. 179.0
n.a. 818.0 939.0
5,638.0 5,942.0 5,697.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
2.0 11.3 n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
795.0 818.0 939.0
795.0 818.0 939.0
795.0 818.0 939.0
4,826.0 4,271.0 3,951.0

5,268.0 4,808.0 4,409.0
12.60 12.70 13.10
13.80 14.30 14.60
38,245.0 33,718.0 30,194.0
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
360.0 349.0 302.0
6,816.0 6,079.0 5,151.0

n.a. n.a. n.a.
6,816.0 6,079.0 5,151.0
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.

n.a. n.a. n.a.
n.a. 12,148 n.a.

n.a. n.a. n.a.
12.60 12.70 13.10
n.a. n.a. n.a.
13.80 14.30 14.60
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
296.0 766.0 n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. n.a.
IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005
0.26 0.31 0.38

1.24 1.02 0.77
37.11 56.88 59.29
0.71 0.55 0.65
n.a. n.a. n.a.
n.a. n.a. n.a.
5.64 3.67 3.97
3.55 1.58 1.62
12.60 12.70 13.10
13.80 14.30 14.60
8.58 9.98 10.78
12.59 15.01 16.37
14.82 17.11 17.39
9.64 11.27 12.25
11.03 11.42 12.02
16.19 17.17 18.24
19.07 19.57 19.38
12.40 12.89 13.66
11.28 12.58 10.28
1.78 1.68 1.58

1.67 1.57 1.47
1.89 1.83 1.23
1.96 1.97 1.63
n.a. n.a. 1.07
-0.43 -0.36 -0.21
1.18 1.06 0.86
12.76 10.28 7.97
n.a. n.a. n.a.
n.a. n.a. n.a.
n.a. n.a. 3.08
54.35 57.62 59.99
1.63 1.44 1.08
30.03 102.11 32.89

68.14 66.51 65.87
117.74 114.01 106.25
95.57 92.85 92.67
8.37 11.16 15.63
6.80 9.09 13.63
Bank information
No of
employees
n.a.
13,229
Bank information
Op.
Vari-
ation
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
ð 131.0 n.a.
- <0,5 n.a.
- n.a. n.a.
- <0,5 n.a.
- <0,5 n.a.
- n.a. n.a.
ð 19.0 5.0
ñ 460.0 1,461.0
- n.a. n.a.
ð n.a. n.a.
ð n.a. n.a.
ð <0,5 n.a.
ð n.a. n.a.
ð 2.0 n.a.
ð <0,5 n.a.
ð n.a. n.a.
ð n.a. n.a.
ø 2,469.0 n.a.
- n.a. n.a.
ö 1,273.0 3,380.0
- n.a. n.a.
ð <0,5 n.a.
ø 69.0 101.0
ð 73.0 31.0
ö 7.0 n.a.
ð n.a. n.a.
ð 191.0 878.0
ø 2,669.0 12,739.0
ø 2,377.0 18,123.0
ø 109.0 754.0
- <0,5 6.0
ð 30.0 7.0
- n.a. n.a.
- n.a. n.a.
- n.a. n.a.
- n.a. n.a.
- n.a. n.a.
BNP Paribas
75009 PARIS BvD ID number FR662042449

FRANCE Index number 10931
Contact details
Boulevard des Italiens, 16 Phone number +33 (1) 40 14 45 46

Fax number +33 (1) 40 14 55 95
75009 PARIS Web Site Address www.bnpparibas.com
FRANCE
Formerly known as Banque Nationale de Paris BNP

Bank History :
Established on May 4, 1966 as a result of the merger between Banque Nationale pour le Commerce et l' Industrie and
Comptoir National d'Escompte de Paris. In 1993, the bank was privatised. In 1997, absorbed Banque Nationale de Paris
Norge A/S. In September 1999, absorbed Banque de la Cité. In May 2000 (effective as of January 1, 2000) BNP
absorbed BNP Finance and Paribas SA and changed its name to BNP Paribas. In 2006, BNP Paribas acquired BNL Group.
On December 28, 2007, absorbed Banco Exelbank SA. In 2012, absorbed Banque de Bretagne.

Accounting Standards International Financial Nickname BNPIF
Name of the Auditor Deloitte & Associes Model ALLBANKS
available

(06/11/2012) World rank, 2011 2
shareholders
subsidiaries
Peer Group

Size 1,148
information.
Country ratings (FRANCE, as at 11/11/2012)
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 664,413.0 668,163.0 652,900.0 494,401.0
Gross Loans 692,371.0 694,834.0 678,269.0 508,699.0
Derivatives 461,667.0 353,223.0 368,657.0 571,475.0
Fixed Assets 18,278.0 17,125.0 17,056.0 14,807.0
Total Assets 1,965,283.0 1,998,158.0 2,057,698.0 2,075,551.0

Deposits & Short term funding 964,146.0 1,132,136.0 1,207,062.0 730,695.0
Other interest bearing liabilities 687,118.0 585,889.0 580,730.0 1,107,299.0
Derivatives 461,798.0 353,972.0 364,260.0 551,206.0
Other Reserves 10,480.0 10,311.0 10,464.0 4,388.0
Equity 85,626.0 85,629.0 80,344.0 58,968.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives 842.0 4,585.0 6,085.0 -10,978.0
Net Gains (Losses) on Assets at FV through Income 1,701.0 429.0 753.0 13,078.0
Statement
Overheads 26,116.0 26,517.0 23,340.0 18,400.0
Other -1,871.0 673.0 -786.0 -525.0
Tax 2,757.0 3,856.0 2,526.0 472.0
Net Income 6,894.0 9,164.0 6,474.0 3,452.0
Dividend Paid 1,449.0 2,517.0 1,778.0 1,043.5

Tier 1 Ratio 11.60 11.40 10.10 7.80
Total Capital 85,962.0 88,324.0 88,414.0 59,499.0
Tier 1 Capital 70,993.0 68,536.0 62,910.0 41,800.0
Net-Charge Offs 3,935.0 3,254.0 3,256.0 -34.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 453.0 430.0 488.0 637.0

Net Gains (Losses) on Trading and Derivatives 842.0 4,585.0 6,085.0 -10,978.0
Net Gains (Losses) on Assets at FV through Income 1,701.0 429.0 753.0 13,078.0
Statement
Net Insurance Income 3,645.0 3,409.0 3,081.0 3,130.0

Securities and Other Credit Impairment Charges 3,241.0 -119.0 551.0 1,969.0

Non-recurring Expense 106.0 78.0 n.a. -2.0
Change in Fair Value of Own Debt 1,190.0 95.0 -753.0 593.0
Other Non-operating Income and Expenses 206.0 269.0 87.0 481.0
Pre-tax Profit 9,651.0 13,020.0 9,000.0 3,924.0
Tax expense 2,757.0 3,856.0 2,526.0 472.0
Net Income 6,894.0 9,164.0 6,474.0 3,452.0

Currency Translation Differences -61.0 1,354.0 121.0 -448.0
Remaining OCI Gains/(losses) 568.0 3.0 -145.0 680.0
Memo: Profit Allocation to Non-controlling Interests 844.0 1,321.0 642.0 431.0
Memo: Common Dividends Relating to the Period 1,449.0 2,517.0 1,778.0 1,043.5
Balance Sheet
Assets
Loans
Other Loans 692,371.0 694,834.0 678,269.0 508,699.0
Net Loans 664,413.0 668,163.0 652,900.0 494,401.0
Gross Loans 692,371.0 694,834.0 678,269.0 508,699.0
Reverse Repos and Cash Collateral 157,530.0 234,560.0 234,723.0 n.a.
Derivatives 461,667.0 353,223.0 368,657.0 571,475.0
Insurance Assets 1,247.0 n.a. 0.0 531.0
Non-earning Assets
Fixed Assets 18,278.0 17,125.0 17,056.0 14,807.0
Goodwill 11,406.0 11,324.0 10,979.0 10,918.0
Other Assets 97,600.0 85,441.0 105,768.0 84,467.0
Total Assets 1,965,283.0 1,998,158.0 2,057,698.0 2,075,551.0
Total Deposits, Money Market and Short-term 964,146.0 1,132,136.0 1,207,062.0 730,695.0
Funding
Other Funding n.a. n.a. n.a. 0.0
Derivatives 461,798.0 353,972.0 364,260.0 551,206.0
Total Funding 1,651,264.0 1,718,025.0 1,787,792.0 1,837,994.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 69,948.0 66,434.0 60,281.0 44,237.0
Securities Revaluation Reserves -2,196.0 -14.0 2,161.0 -568.0
Foreign Exchange Revaluation Reserves -445.0 n.a. n.a. n.a.
Fixed Asset Revaluations and Other Accumulated 802.0 183.0 -986.0 -962.0
OCI
Total Equity 76,970.0 75,708.0 70,060.0 46,199.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
Fitch Comprehensive Income/ Risk Weighted 0.84 1.35 1.48 -0.25
Assets%
Capitalization
Loan Quality
%
Net Charge-offs/ Average Gross Loans% 0.57 0.48 0.54 -0.01
Foreclosed Assets%
Funding
%
Reference Data
Sheet
Guarantees 106,096.0 102,563.0 104,650.0 84,967.0

balance sheet
Average Loans 685,611.0 693,520.3 630,573.0 479,292.7
Average Assets 1,963,173.3 2,097,630.0 2,140,857.0 1,862,399.3
Average Equity 76,473.7 72,998.0 58,617.7 47,885.0
Maturities
Loans & Advances 3 - 12 Months 72,762.0 n.a. n.a. n.a.
Loans and Advances 1 - 5 Years 198,788.0 n.a. n.a. n.a.
Loans & Advances > 5 years 224,402.0 n.a. n.a. n.a.



Retail Deposits > 5 Years 13,614.0 n.a. n.a. n.a.



Net Income 6,894.0 9,164.0 6,474.0 3,452.0
Equity 76,970.0 75,708.0 70,060.0 46,199.0
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv -1,647.0 -457.0 0.0 0.0
on the B/S- CC only
Goodwill 11,406.0 11,324.0 10,979.0 10,918.0
Net asset value of insurance subsidiaries 4,127.0 4,194.0 3,433.0 n.a.
securitizations
Government held Hybrid Capital 0.0 0.0 0.0 5,100.0

Assets
Borrowing

Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 192,468.0 219,958.0 221,425.0 130,725.0

Asset Quality Data

Net Charge-offs
Gross Charge-offs 3,935.0 3,254.0 3,256.0 314.0
Recoveries n.a. n.a. n.a. 348.0
Net Charge-offs 3,935.0 3,254.0 3,256.0 -34.0
Reserves
Individual/Specific Loan Impairment Reserves n.a. n.a. n.a. 14,298.0

Capital
Eligible Capital

dividends
Valuation Reserves for AFS Securities in OCI Total -2,196.0 n.a. 2,161.0 -568.0
Valuation Reserves for FX in OCI -445.0 n.a. -1,559.0 -1,680.0
Total Valuation Reserves in OCI -2,641.0 n.a. 602.0 -2,248.0
Cash Flow Hedge Reserve 1,247.0 n.a. 573.0 718.0
Total OCI Reserves -1,394.0 n.a. 1,175.0 -1,530.0
Total Other Equity Reserves -1,394.0 n.a. 1,175.0 -1,530.0
Interests
Non-controlling Minority Interest - not loss- n.a. n.a. 0.0 0.0
absorbing

Total Dividends Paid and Declared in Period 1,449.0 2,517.0 1,778.0 1,043.5
Capital
Hybrid Capital Fitch Class C n.a. n.a. 2,239.0 2,248.0
Weighted Total of Fitch Hybrid Capital Classes n.a. n.a. 9,164.5 11,645.0
Regulatory Capital
II
II
Capital Charge Credit Risk n.a. n.a. 539,825.0 n.a.
Capital Charge Market Risk n.a. n.a. 23,666.0 n.a.
Capital Charge Operational Market Risk n.a. n.a. 57,223.0 n.a.
Capital
Unencumbered Securities 1,041,949.0 1,100,523.0 1,099,811.0 1,344,270.0
Reverse repurchase agreements included in loans n.a. 16,523.0 25,866.0 n.a.
Reverse repurchase agreements included in loans n.a. 7,086.0 28,524.0 6,074.0
Reverse repurchase agreements in assets - other n.a. n.a. 208,810.0 350,282.0
Repurchase agreements included in customer n.a. n.a. n.a. 11,098.0
deposits
Repurchase agreements included in deposits from 11,522.0 n.a. 49,408.0 23,222.0
banks
Repurchase agreements included in liabilities - 171,376.0 n.a. 209,293.0 369,315.0
other
Average Reverse repurchase agreements included n.a. 21,194.5 25,866.0 n.a.
in loans
Number of Employees n.a. n.a. 41,119 n.a.

Number of Branches n.a. n.a. 6,000 n.a.
Assets under Management n.a. n.a. 820,000.0 503,000.0
Total Trust Assets n.a. n.a. 4,000,000.0 n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans 0.57 0.47 0.55 -0.01
Capital
Tier 1 Ratio 11.60 11.40 10.10 7.80
Equity / Net Loans 12.89 12.82 12.31 11.93
Operations
Dividend Pay-Out 21.02 27.47 27.46 30.23
Non Op Items / Net Income -27.14 7.34 -12.14 -15.21
Liquidity
Interbank Ratio 59.16 68.93 64.91 36.93
General information


ISIN number: FR0000131104
Ticker symbol: BNP
Stock exchange(s) listed: Euronext Paris

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Hannover
Boerse Munchen
Boerse Stuttgart
US Exchange
XETRA
Stock index information: CAC 40 - FRANCE
CAC ALL-TRADABLE - FRANCE
IPO date: 10/18/1993
Market price - Year (EUR) 2012 2011 2010 2009 2008 2007 2006
Market price - January 32.37 54.60 52.15 30.01 65.83 85.55 72.83
Market price - February 36.63 56.58 53.13 25.99 59.57 78.94 77.05
Market price - March 35.58 51.61 56.86 31.12 63.89 78.19 76.65
Market price - April 30.35 53.43 52.13 40.25 69.25 85.65 74.90
Market price - May 25.73 54.22 46.29 48.75 66.34 90.18 72.80
Market price - June 30.33 53.23 44.77 46.25 57.54 88.36 74.85
Market price - July 30.17 45.47 52.71 51.15 63.80 81.73 76.20
Market price - August 34.56 35.87 49.37 56.17 61.48 77.42 82.95
Market price - September 36.98 30.05 52.17 54.60 66.08 76.74 84.85
Market price - October 38.81 32.85 52.55 51.45 56.00 76.09 86.15
Market price - November n.a. 29.47 45.60 55.00 43.33 77.15 81.35
Market price - December n.a. 30.35 47.61 55.90 30.25 74.22 82.65

Price trends (%)

BETA
Reference index 1: CAC 40

Reference index 2: CAC NEXT20

Reference index 3: CAC ALL-TRADABLE

Reference index 4: SBF 120

Reference index 5:


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management unit of BNP Paribas (deal no. 1601409530)
23 05/10/2012 FosAgro increases stake in Apatit (deal no. 1601178703)
1601390898)
25 02/10/2012 Alstom plans capital increase for Russian investment (deal no.
1601407611)
26 02/10/2012 BNP Paribas Factor to absorb Fortis Commercial Finance (deal no.
1601409663)
27 01/10/2012 Glencore to acquire remaining shares in Xstrata: advisory body
urges Xstrata to reject bid (deal no. 1601407236)
28 01/10/2012 Alstom completes private placing (deal no. 1601407611)
29 01/10/2012 Glencore withdraws first offer for Xstrata (deal no. 1601192193)
31 27/09/2012 Subsea 7 announces terms of convertible bond issue (deal no.
1601406401)
32 26/09/2012 Antena 3 looking to acquire La Sexta: Spanish Advertisers
Association appeals against transaction (deal no. 1601295801)
33 26/09/2012 Slota acquired by Naxicap and management (deal no.

1601414912)
34 25/09/2012 Flexico acquired in MBI (deal no. 1601415066)
35 21/09/2012 Air Liquide completes acquisition of Gasmedi (deal no.
1601295643)
36 21/09/2012 Steinhoff International Holdings completes convertible bonds
issue (deal no. 1601404404)
37 20/09/2012 BNP Paribas to inject fresh capital in BNL (deal no. 1601404510)
38 20/09/2012 Foncière des Régions completes acquisition of remaining Foncière

Europe Logistique shares (deal no. 1601376491)
39 19/09/2012 Galeries Lafayette divest take in Laser Cofinoga (deal no.
1601404524)
40 19/09/2012 Capital & Counties Properties announces placing (deal no.
1601403788)
41 17/09/2012 Batelco in talks for CWC assets: Reuters (deal no. 1601059037)
42 14/09/2012 S&B Industrial Minerals North America acquires Rolling Rock

Minerals (deal no. 1601403407)
43 14/09/2012 Bharti Airtel to launch IPO on NSE and BSE (deal no.
1633039211)
44 13/09/2012 BAE Systems in merger talks with EADS (deal no. 1601402261)
45 10/09/2012 Credem closes sale of depository banking activities (deal no.

1601318126)
46 07/09/2012 Defi in MBO (deal no. 1601401404)
47 04/09/2012 Applewood in LMBO (deal no. 1601403136)
48 03/09/2012 Chalco drops offer for SouthGobi (deal no. 1601357844)
49 31/08/2012 Air Liquide completes acquisition of majority stake in LVL Médical
Groupe (deal no. 1601376755)
50 28/08/2012 BNP Paribas acquires stake in TomTom (deal no. 1601398885)
Source : Zephyr
Boards & committees

1. Mr. Baudouin Felix Daniel Claude - Chairman of the Board of BoD SC, VI
Prot Directors (since 12/2011)
P014145743
2. Mr. Jean-Laurent Bonnafé - Member of the Board of Directors BoD WW
P039861589 (since 01/12/2011)
2.
- Member of the Executive ExeB SC, WW

Committee
3. Mr. Dennis Jean-Marie Kessler - Director (from 23/05/2012 BoD VI, WW
P014141750 to 2015)
4. Mrs. Jean-François Lepetit - Member of the Board of Directors BoD WW
P046502202 (since 21/05/2008)
5. Mrs. Nicole Misson - Member, Board of Directors BoD WW
P132282405 (from 16/02/2012 to 2015)
6. Mrs. Laurence Parisot - Director (from 23/05/2012 BoD VI, WW
P038946673 to 2015)
7. Mrs. Hélène M. J. Ploix - Non-executive Director BoD VI, WW
P014140293 (since 21/05/2003)
8. Mr. Louis Pierre Jean Schweitzer - Non-Executive Director BoD VI, WW
P003913620 (since 12/05/2010)
9. Mr. Michel Tilmant - Member of the Board of Directors BoD WW
P121346303 (since 12/05/2010)
10. Mr. Emiel Jozef Jan Van - Member of the Board of Directors BoD WW
Broekhoven (since 12/05/2010)
P044181731
11. Mrs. Daniela Angela Weber-Rey - Member of the Board of Directors BoD WW
P010665727 (since 21/05/2008)
12. Miss Jane Fields Wicker-Miurin - Member of the Board of Directors BoD WW
P003715884 (since 11/05/2011)
13. Mr. Philippe Jean Bordenave - Member of the Executive ExeB WW
14. Mrs. Marie-Claire Capobianco - Member of the Executive ExeB WW
P039794917 Committee (Head of BNP Paribas
French Retail Banking)
15. Mr. Georges Chodron de Courcel - Member of the Executive ExeB VI, WW
16. Mr. Jean Patrick Clamon - Member of the Executive ExeB WW
17. Mr. Jacques d’Estais - Member of the Executive ExeB WW
18. Mr. Stefaan L. G. Decraene - Member of the Executive ExeB WW
P039803061 Committee (Head of
International Retail Banking)
19. Mr. Fabio Gallia - Member of the Executive ExeB WW
P082063002 Committee (CEO and General
Manager BNL)
20. Mr. Yann Gérardin - Member of the Executive ExeB WW
P134472621 Committee (Head of Global
Equities and Commodity
Derivatives)
21. Mr. Maxime A. A.O.M.G. Jadot - Member of the Executive ExeB WW
P019074518 Committee (CEO and Chairman
of the Executive Board of BNP
Paribas Fortis)
22. Mr. Frédéric Janbon - Member of the Executive ExeB WW
P046879233 Committee (BNP Paribas Head of
Fixed Income)
23. Mr. Michel Konczaty - Member of the Executive ExeB WW
24. Mr. Thierry Laborde - Member of the Executive ExeB WW
25. Mr. Frédéric `Lavenir - Member of the Executive ExeB WW
Committee
25. - Member of the Executive ExeB WW
26. Mr. Eric Lombard - Member of the Executive ExeB WW
27. Mr. Alain Papiasse - Member of the Executive ExeB WW
28. Mr. Eric Raynaud - Member of the Executive ExeB WW
P014998885 Committee (Head of Asia-Pacific
Region)
29. Mr. François Villeroy de Galhau - Member of the Executive ExeB VI, WW
Management & staff

1. Mr. Jean-Laurent Bonnafé - President SenMan SC
P039861589
2. Mr. Frédéric `Lavenir - Head of Group Human Resources HR SC, WW
P039818942
3. Mr. Jean Patrick Clamon - Managing Director and Head of LegDep WW
P039810597 Compliance and Internal Control
Coordinator (since 2008)
4. Mr. Philippe Jean Bordenave - Chief Operating Officer Oper WW
P045790458 (since 01/12/2011)
5. Mr. Georges Chodron de Courcel - Chief Operating Officer; COO Oper VI, WW
P014141760 (since 06/2003)
6. Mr. François Villeroy de Galhau - Chief Operating Officer Oper WW
P039794925
7. Mr. Jacques d’Estais - Deputy Chief Operating Officer Oper WW
P048592377 (since 01/12/2011)
- Head of Investment Solutions, OthDep WW
Personal Finance, International
Retail Banking
8. Mr. Alain Papiasse - Deputy Chief Operating Officer Oper WW
P014298233 (since 01/12/2011)
- Head of Corporate and OthDep WW
Investment Banking
(since 01/12/2011)
9. Mrs. Silvia Arto - Vice president communication OthDep SC
P111420142
10. Mr. Stephane Decraene - International vice president OthDep SC
P119172675
11. Mr. Michel Konczaty - Head of Group Risk Management OthDep WW
P082063934
12. Mr. Thierry Laborde - Head of BNP Paribas Personal OthDep WW
P051845887 Finance
13. Mr. Eric Lombard - Head of Insurance activity OthDep WW
P039794921
14. Mr. Jean Louis Guillot - Chief department/division officer BrOff SC
P039794919
Ownership Source
Level
own.

1. 0MNIUM DE GESTION DEVELOPPEMENT FR 100.00 100.00 1 UO+ IP 09/2012
IMMOBILIER
2. 1897 SERVICES CORPORATION US 100.00 100.00 1 UO+ IP 09/2012
3. 2007 PANDA FINANCE 2 FR 100.00 100.00 1 UO+ IP 09/2012
4. 2008 MARIE FINANCE FR 100.00 100.00 1 UO+ IP 09/2012
5. 2008 NEWINE FINANCE 5 FR 100.00 100.00 1 UO+ IP 09/2012
9. ABN AMRO INVESTMENT TRUST COMPAN US 100.00 100.00 1 UO+ IP 09/2012
10. ALFRED BERG KAPITALFORVALTNING AS NO 100.00 100.00 1 UO+ RM 12/2011
11. ALFRED BERG KAPITALFORVALTNING SE 100.00 100.00 1 UO+ RM 12/2011
FINLAND AB
12. ALL IN ONE GMBH DE 100.00 100.00 1 UO+ IP 09/2012
13. AMANDA STORESENTER AS NO 100.00 100.00 1 UO+ RM 12/2011
14. ANTIN PARTICIPATION 14 FR 100.00 100.00 1 UO+ IP 09/2012
19. ANTIN PARTICIPATIONS 2 FR 100.00 100.00 1 UO+ IP 09/2012
20. ANTIN-BAIL 2 FR 100.00 100.00 1 UO+ IP 09/2012
21. ARDI IMMO SICAV LU 100.00 100.00 1 UO+ IP 09/2012
22. ARKEN DRIFT AS NO 100.00 100.00 1 UO+ RM 12/2011
23. ARVAL MAGYARORSZAG HU 100.00 100.00 1 UO+ RM 12/2011
24. ATELIER SERVICES FR 100.00 100.00 1 UO+ IP 09/2012
25. AUGUSTE THOUARD EXPERTISE FR 100.00 100.00 1 UO+ IP 09/2012
26. BANCA NAZIONALE DEL LAVORO S.P.A IT 100.00 100.00 1 UO+ IP 09/2012
27. BANCO BANQUE NATIONALE DE PARIS BR 100.00 100.00 1 UO+ IP 09/2012
28. BANCO BNP PARIBAS BRASIL S.A. BR 100.00 100.00 1 UO+ RM 12/2011
29. BANCWEST CORPORATION US 100.00 100.00 1 UO+ RM 12/2011
30. BANEXI HOLDING CORPORATION US 100.00 100.00 1 UO+ RM 12/2011
31. BANK INSINGER DE BEAUFORT SAFE NL 100.00 100.00 1 UO+ RM 12/2011
CUSTODY N.V.
32. BANQUE DE BRETAGNE FR 100.00 100.00 1 UO+ RM 12/2011
33. BANQUE MAROCAINE DU COMMERCE ET DE MA 100.00 100.00 1 UO+ RM 12/2011
L'INDUSTRIE GESTION
34. BANQUE MAROCAINE DU COMMERCE ET DE MA 100.00 100.00 1 UO+ RM 12/2011
L'INDUSTRIE OFFSHORE
35. BANQUE NATIONALE DE PARIS (CANADA) CA 100.00 100.00 1 UO+ IP 09/2012
BNP
36. BANQUE NATIONALE DE PARIS FR 100.00 100.00 1 UO+ IP 09/2012
INTERCONTINENTALE BNPI
37. BISHOP STREET CAPITAL MANAGEMENT US 100.00 100.00 1 UO+ IP 09/2012
38. BNL FINANCE SPA IT 100.00 100.00 1 UO+ IP 09/2012
39. BNL FONDI IMMOBILIARI IT 100.00 100.00 1 UO+ IP 09/2012
40. BNL INTERNATIONAL INVESTMENT LU 100.00 100.00 1 UO+ IP 09/2012
41. BNL MULTISERVIZI SRL IN LIQUIDAZIONE IT 100.00 100.00 1 UO+ IP 09/2012
42. BNP BETEILIGUNGS- UND VER- DE 100.00 100.00 1 UO+ IP 11/2011

WALTUNGSGESELLSCHAFT MBH
43. BNP EQUITIES ASIA LIMITED MY 100.00 100.00 1 UO+ IP 09/2012
44. BNP INTERCONTINENTALE (BNPI) FR 100.00 100.00 1 UO+ RM 12/2011
45. BNP MEXICO HOLDING MX 100.00 100.00 1 UO+ IP 09/2012
46. BNP PACIFIC (AUSTRALIA) LIMITED AU 100.00 100.00 1 UO+ RM 12/2011
47. BNP PARIBAS IE 100.00 100.00 1 UO+ IP 09/2012
48. BNP PARIBAS (BULGARIA) E.A.D. BG 100.00 100.00 1 UO+ IP 09/2012
49. BNP PARIBAS (CANADA) CA 100.00 100.00 1 UO+ RM 12/2011
50. BNP PARIBAS (CHINA) CN 100.00 100.00 1 UO+ IP 09/2012
51. BNP PARIBAS ARBITRAGE (HONG KONG) HK 100.00 100.00 1 UO+ RM 12/2011
LTD
52. BNP PARIBAS ARBITRAGE ISSUANCE B.V. NL 100.00 100.00 1 UO+ WW 03/2012
53. BNP PARIBAS ASSET MANAGEMENT INC US 100.00 100.00 1 UO+ IP 09/2012
54. BNP PARIBAS ASSET MANAGEMENT INDIA IN 100.00 100.00 1 UO+ RM 12/2011
PRIVATE LTD
55. BNP PARIBAS ASSET MANAGEMENT SAS ES 100.00 100.00 1 UO+ IP 09/2012
SUCURSAL EN ESPANA.
56. BNP PARIBAS BANK NV NL 100.00 100.00 1 UO+ IP 10/2012
57. BNP PARIBAS BDDI PARTICIPATIONS FR 100.00 100.00 1 UO+ IP 09/2012
58. BNP PARIBAS CAPITAL SG 100.00 100.00 1 UO+ IP 09/2012
59. BNP PARIBAS CAPITAL CORPORATION (EX US 100.00 100.00 1 UO+ RM 12/2011
- FORTIS CAPITAL CORPORATION)
60. BNP PARIBAS CAPITAL LIMITED HK 100.00 100.00 1 UO+ IP 09/2012
61. BNP PARIBAS CAPITAL MARKETS GB 100.00 100.00 1 UO+ IP 09/2012
62. BNP PARIBAS CAPITAL SERVICES INC CA 100.00 100.00 1 UO+ RM 12/2011
63. BNP PARIBAS CAPSTAR PARTNERS INC US 100.00 100.00 1 UO+ IP 09/2012
64. BNP PARIBAS COMMODITIES FUTURES US 100.00 100.00 1 UO+ IP 09/2012
65. BNP PARIBAS COMMODITY FUTURES GB 100.00 100.00 1 UO+ IP 09/2012
LIMITED
66. BNP PARIBAS COMMODITY FUTUTES LT US 100.00 100.00 1 UO+ IP 09/2012
67. BNP PARIBAS DE REASSURANCE LU 100.00 100.00 1 UO+ IP 09/2012
68. BNP PARIBAS DEVELOPPEMENT FR 100.00 100.00 1 UO+ IP 09/2012
69. BNP PARIBAS EMISSIONS- UND DE 100.00 100.00 1 UO+ IP 01/2012
HANDELSGESELLSCHAFT MBH
70. BNP PARIBAS ENERGY TRADING US 100.00 100.00 1 UO+ RM 12/2011
HOLDINGS, INC
71. BNP PARIBAS ENERGY TRADING LLC US 100.00 100.00 1 UO+ RM 12/2011
72. BNP PARIBAS FACTOR FR 100.00 100.00 1 UO+ IP 09/2012
73. BNP PARIBAS FINANCE (HONG KONG) HK 100.00 100.00 1 UO+ IP 09/2012
74. BNP PARIBAS FINANCIAL SERVICES LLC US 100.00 100.00 1 UO+ RM 12/2011
75. BNP PARIBAS FORTIS YATIRIMLAR TR 100.00 100.00 1 UO+ IP 09/2012
76. BNP PARIBAS FUTURES (HONG KONG) HK 100.00 100.00 1 UO+ RM 12/2011
77. BNP PARIBAS HOME LOAN SFH FR 100.00 100.00 1 UO+ IP 09/2012
78. BNP PARIBAS IMMOBILIER PROMOTION FR 100.00 100.00 1 UO+ RM 12/2011
IMMOBILIER D'ENTREPRISE
79. BNP PARIBAS IMMOBILIER PROMOTION FR 100.00 100.00 1 UO+ RM 12/2011
SUD OUEST
80. BNP PARIBAS IMMOBILIER RESIDENTIEL FR 100.00 100.00 1 UO+ RM 12/2011
PROMOTION ILE DE FRANCE
PROMOTION MEDITERRANEE
PROMOTION RHONE ALPES
RESIDENCES SERVICES CLIENTS
RESIDENCES SERVICES SOFIANE
TRANSACTION & CONSEIL
V2I
87. BNP PARIBAS IMMOBILIER RÉSIDENTIEL FR 100.00 100.00 1 UO+ RM 12/2011
RÉSIDENCES SERVICES BSA (EX BSA
IMMOBILIER)
88. BNP PARIBAS INDIA SOLUTIONS IN 100.00 100.00 1 UO+ IP 09/2012

89. BNP PARIBAS INVESTMENT HOLDINGS NL 100.00 100.00 1 UO+ WW 03/2012
B.V.
90. BNP PARIBAS INVESTMENT PARTNERS HK 100.00 100.00 1 UO+ RM 12/2011
ASIA
91. BNP PARIBAS INVESTMENT PARTNERS SG 100.00 100.00 1 UO+ RM 12/2011
SINGAPORE LTD
92. BNP PARIBAS ISLAMIC ISSUANCE B.V. NL 100.00 100.00 1 UO+ WW 03/2012
93. BNP PARIBAS JAPAN LIMITED JP 100.00 100.00 1 UO+ RM 12/2011
94. BNP PARIBAS LEASE GROUP GMBH AT 100.00 100.00 1 UO+ IP 09/2012
95. BNP PARIBAS LEASE GROUP NETHERLA NL 100.00 100.00 1 UO+ IP 09/2012
96. BNP PARIBAS LEASE GROUP POLSKA PL 100.00 100.00 1 UO+ RM 12/2011
SP.Z.O.O.
97. BNP PARIBAS LEASING SOLUTIONS CH 100.00 100.00 1 UO+ RM 12/2011
IMMOBILIER SUISSE SA
98. BNP PARIBAS LEASING SOLUTIONS SA FR 100.00 100.00 1 UO+ RM 12/2011
99. BNP PARIBAS MARTINIQUE FR 100.00 100.00 1 UO+ IP 09/2012
100. BNP PARIBAS MEDITERRANEE MA 100.00 100.00 1 UO+ RM 12/2011
42449
40 14 45 46
40 14 55 95
pparibas.com
e et l' Industrie and

ue Nationale de Paris
1, 2000) BNP
acquired BNL Group.
Report
12
KS
rn Europe)
nt manager for more
nt manager for more
Watch
IFRS IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006 31/12/2005
494,401.0 445,103.0 393,133.0 301,196.0

508,699.0 457,602.0 406,658.0 311,655.0
14,298.0 12,499.0 13,525.0 10,459.0
1,423,874.0 1,144,958.0 945,718.0 866,133.0
69,153.0 71,116.0 75,170.0 45,009.0
571,475.0 239,074.0 164,270.0 193,615.0
772,795.0 825,521.0 698,051.0 619,971.0
10,451.0 9,247.0 8,227.0 7,538.0
1,918,275.0 1,590,061.0 1,338,851.0 1,167,329.0
14,807.0 13,165.0 12,470.0 9,213.0
142,469.0 91,228.0 89,022.0 81,537.0
2,075,551.0 1,694,454.0 1,440,343.0 1,258,079.0
730,695.0 624,991.0 528,604.0 435,605.0

413,955.0 346,704.0 298,652.0 247,494.0
187,234.0 171,906.0 144,589.0 119,635.0
129,506.0 106,381.0 85,363.0 68,476.0
1,107,299.0 850,696.0 708,815.0 644,555.0
551,206.0 245,726.0 185,542.0 207,382.0
454,327.0 474,976.0 409,446.0 359,913.0
101,766.0 129,994.0 113,827.0 77,260.0
174,201.0 154,636.0 143,382.0 128,076.0
n.a. n.a. n.a. n.a.
4,388.0 4,738.0 4,718.0 3,850.0
58,968.0 59,393.0 54,824.0 45,993.0
2,075,551.0 1,694,454.0 1,440,343.0 1,258,079.0
18,990.0 18,408.0 n.a. n.a.

14,298.0 12,499.0 13,525.0 10,459.0
733,723.0 784,444.0 668,203.0 562,121.0
12,728.0 11,931.0 11,731.0 9,304.0
306,708.0 322,326.0 n.a. n.a.
0.0 0.0 0.0 n.a.

18,323.0 18,641.0 17,960.0 16,706.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005
14,136.0 10,342.0 9,576.0 9,745.0
12,496.0 19,537.0 18,080.0 11,725.0
-10,978.0 6,555.0 7,113.0 3,483.0
13,078.0 1,147.0 460.0 10.0
5,859.0 6,322.0 6,104.0 4,547.0

4,537.0 5,513.0 4,403.0 3,685.0
18,400.0 18,764.0 17,065.0 13,369.0
3,783.0 1,472.0 810.0 540.0
-525.0 1,415.0 789.0 863.0
3,924.0 11,058.0 10,570.0 8,424.0
472.0 2,747.0 2,762.0 2,138.0
3,452.0 8,311.0 7,808.0 6,286.0
26,632.0 29,879.0 27,656.0 21,470.0
1,043.5 n.a. n.a. n.a.
11.10 10.00 10.50 11.00

7.80 7.30 7.40 7.60
59,499.0 n.a. n.a. n.a.
41,800.0 39,200.0 34,400.0 28,800.0
-34.0 -37.0 8.0 95.0
IFRS IFRS IFRS IFRS
31/12/2008 31/12/2007 31/12/2006 31/12/2005
28,381.0 26,269.0 20,255.0 14,269.0

30,458.0 32,872.0 24,327.0 17,818.0
637.0 634.0 452.0 2,012.0
59,476.0 59,775.0 45,034.0 34,099.0
11,149.0 11,970.0 8,481.0 5,916.0

34,191.0 37,463.0 26,977.0 18,438.0
45,340.0 49,433.0 35,458.0 24,354.0
14,136.0 10,342.0 9,576.0 9,745.0
-10,978.0 6,555.0 7,113.0 3,483.0

-325.0 856.0 628.0 676.0
13,078.0 1,147.0 460.0 10.0
3,130.0 2,876.0 2,299.0 1,758.0

5,859.0 6,322.0 6,104.0 4,547.0
1,732.0 1,781.0 1,476.0 1,251.0
12,496.0 19,537.0 18,080.0 11,725.0
10,227.0 11,105.0 10,260.0 n.a.
8,173.0 7,659.0 6,805.0 13,369.0
18,400.0 18,764.0 17,065.0 13,369.0
n.a. n.a. n.a. n.a.

8,232.0 11,115.0 10,591.0 8,101.0
3,783.0 1,472.0 810.0 540.0
1,969.0 253.0 -27.0 70.0
2,480.0 9,390.0 9,808.0 7,491.0
217.0 358.0 293.0 352.0

151.0 1,017.0 287.0 384.0
-2.0 1.0 13.0 14.0
593.0 141.0 n.a. n.a.
481.0 153.0 195.0 211.0
3,924.0 11,058.0 10,570.0 8,424.0
472.0 2,747.0 2,762.0 2,138.0
n.a. n.a. n.a. n.a.
3,452.0 8,311.0 7,808.0 6,286.0
-5,034.0 -965.0 574.0 4,857.0

n.a. n.a. n.a. n.a.
-448.0 -934.0 -664.0 366.0
680.0 146.0 n.a. n.a.
-1,350.0 6,558.0 7,718.0 11,509.0
431.0 489.0 500.0 434.0
3,021.0 7,822.0 7,308.0 5,852.0
1,043.5 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
508,699.0 457,602.0 406,658.0 311,655.0
14,298.0 12,499.0 13,525.0 10,459.0
494,401.0 445,103.0 393,133.0 301,196.0
508,699.0 457,602.0 406,658.0 311,655.0
18,990.0 18,408.0 n.a. n.a.
n.a. n.a. n.a. n.a.
69,153.0 71,116.0 75,170.0 45,009.0

n.a. n.a. n.a. n.a.
625,351.0 694,786.0 583,391.0 509,997.0
571,475.0 239,074.0 164,270.0 193,615.0
130,725.0 112,594.0 96,739.0 92,706.0
14,076.0 14,808.0 15,149.0 15,445.0
2,643.0 3,333.0 2,772.0 1,823.0
n.a. n.a. n.a. n.a.
1,344,270.0 1,064,595.0 862,321.0 813,586.0
215,320.0 n.a. 113,510.0 131,077.0
n.a. n.a. n.a. n.a.
9,920.0 6,693.0 5,813.0 5,255.0
531.0 2,554.0 2,414.0 2,283.0
0.0 0.0 0.0 0.0
1,918,275.0 1,590,061.0 1,338,851.0 1,167,329.0
39,219.0 18,542.0 9,642.0 7,115.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
14,807.0 13,165.0 12,470.0 9,213.0
10,918.0 10,244.0 10,162.0 8,079.0
1,810.0 1,687.0 1,569.0 1,225.0
2,036.0 1,297.0 1,926.0 1,147.0
4,019.0 1,668.0 1,517.0 988.0
0.0 0.0 0.0 n.a.
84,467.0 57,790.0 64,206.0 62,983.0
2,075,551.0 1,694,454.0 1,440,343.0 1,258,079.0
198,926.0 159,842.0 157,195.0 115,077.0

42,226.0 40,198.0 40,469.0 41,292.0
172,803.0 146,664.0 100,988.0 91,125.0
413,955.0 346,704.0 298,652.0 247,494.0
187,234.0 171,906.0 144,589.0 119,635.0
n.a. n.a. n.a. n.a.
129,506.0 106,381.0 85,363.0 68,476.0
730,695.0 624,991.0 528,604.0 435,605.0
83,443.0 111,353.0 95,867.0 60,554.0

18,323.0 18,641.0 17,960.0 16,706.0
0.0 0.0 0.0 n.a.
101,766.0 129,994.0 113,827.0 77,260.0
551,206.0 245,726.0 185,542.0 207,382.0
454,327.0 474,976.0 409,446.0 359,913.0
1,837,994.0 1,475,687.0 1,237,419.0 1,080,160.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
4,388.0 4,738.0 4,718.0 3,850.0
2,166.0 1,189.0 1,309.0 647.0
1,805.0 1,286.0 997.0 1,559.0
0.0 0.0 0.0 n.a.
0.0 0.0 0.0 n.a.
86,514.0 93,320.0 87,044.0 76,523.0
83,716.0 58,841.0 54,032.0 49,347.0
2,016,583.0 1,635,061.0 1,385,519.0 1,212,086.0
0.0 0.0 0.0 n.a.
12,769.0 9,035.0 7,513.0 6,172.0
44,237.0 43,784.0 40,111.0 32,768.0

3,492.0 3,302.0 2,175.0 1,582.0
-568.0 4,466.0 5,431.0 4,857.0
n.a. n.a. n.a. n.a.
-962.0 -1,194.0 -406.0 614.0
46,199.0 50,358.0 47,311.0 39,821.0

2,075,551.0 1,694,454.0 1,440,343.0 1,258,079.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5.92 6.10 5.55 n.a.

2.99 3.71 3.02 n.a.
3.43 4.03 3.54 n.a.

2.78 3.58 3.01 n.a.
0.82 0.70 0.75 n.a.

0.60 0.60 0.69 n.a.
0.82 0.70 0.75 n.a.
46.92 65.39 65.37 54.61

69.09 62.80 61.70 62.27
0.99 1.17 1.24 n.a.
17.19 22.89 24.28 n.a.
0.44 0.69 0.77 n.a.
69.87 15.52 7.39 7.53
5.18 19.34 22.49 n.a.

0.13 0.59 0.71 n.a.
12.03 24.84 26.13 25.38
1.54 2.06 2.29 2.14
0.46 1.74 2.12 1.98
7.21 17.12 17.90 n.a.

0.19 0.52 0.57 n.a.
-2.82 13.51 17.69 n.a.
-0.07 0.41 0.56 n.a.
n.a. n.a. n.a. n.a.
0.65 1.54 1.69 1.66

-0.25 1.21 1.67 3.05
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
1.57 2.26 2.46 2.44
7.80 7.30 7.40 7.60
11.10 10.00 10.50 11.00
n.a. n.a. n.a. n.a.
2.23 2.97 3.28 3.17
30.23 n.a. n.a. n.a.
-77.30 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

5.21 16.50 16.50 15.79
22.49 17.64 14.49 n.a.

11.17 12.53 30.48 n.a.
3.73 4.02 n.a. n.a.
2.81 2.73 3.33 3.36
75.29 67.90 n.a. n.a.
10.16 11.73 n.a. n.a.
0.79 0.34 0.22 n.a.

-0.01 -0.01 0.00 n.a.
3.73 4.02 n.a. n.a.
126.27 131.99 136.16 125.92

38.46 41.37 51.99 37.62
32.17 28.19 28.39 28.36
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
84,967.0 91,099.0 n.a. n.a.

n.a. n.a. n.a. n.a.
221,741.0 231,227.0 n.a. n.a.

n.a. n.a. n.a. n.a.
2,382,259.0 2,016,780.0 1,440,343.0 1,258,079.0
535,147.0 540,400.0 462,500.0 377,700.0
n.a. n.a. n.a. n.a.
535,147.0 540,400.0 462,500.0 377,700.0
479,292.7 430,351.7 365,142.7 n.a.

1,733,198.7 1,482,454.0 1,271,142.7 n.a.
1,862,399.3 1,599,466.7 1,375,629.3 n.a.
n.a. n.a. n.a. n.a.
1,632,114.7 1,381,511.3 1,179,572.0 n.a.
44,102.3 41,767.0 36,977.0 n.a.
47,885.0 48,556.7 43,618.7 n.a.
372,779.7 322,407.0 280,643.0 n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
18,323.0 18,641.0 17,960.0 16,706.0
n.a. n.a. n.a. n.a.
3,452.0 8,311.0 7,808.0 6,286.0

n.a. n.a. n.a. n.a.
3,452.0 8,311.0 7,808.0 6,286.0
46,199.0 50,358.0 47,311.0 39,821.0

12,769.0 9,035.0 7,513.0 6,172.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
46,199.0 50,358.0 47,311.0 39,821.0
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.

10,918.0 10,244.0 10,162.0 8,079.0
1,810.0 1,687.0 1,569.0 1,225.0
1,166.0 382.0 520.0 0.0
n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

6,545.0 7,889.0 5,944.5 4,325.5
5,100.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
28,381.0 26,269.0 20,255.0 14,269.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
11,149.0 11,970.0 8,481.0 5,916.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
180,110.0 203,790.0 180,571.0 183,822.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
52,840.0 100,709.0 94,989.0 84,264.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

350,747.0 336,824.0 255,198.0 200,126.0
583,697.0 641,323.0 530,758.0 468,212.0
114,011.0 90,725.0 78,033.0 77,608.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
16,714.0 21,869.0 18,706.0 15,098.0
n.a. n.a. n.a. n.a.
130,725.0 112,594.0 96,739.0 92,706.0
3,343.0 3,244.0 3,281.0 3,994.0
10,733.0 11,564.0 11,868.0 11,451.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
14,076.0 14,808.0 15,149.0 15,445.0
10,733.0 11,564.0 11,868.0 11,451.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
420,301.0 459,402.0 368,893.0 299,488.0
314.0 292.0 255.0 224.0
348.0 329.0 247.0 129.0
-34.0 -37.0 8.0 95.0
n.a. n.a. n.a. n.a.

14,298.0 12,499.0 13,525.0 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
13,828.0 13,472.0 15,589.0 9,701.0
n.a. n.a. n.a. n.a.

40,930.0 37,055.0 28,898.0 25,546.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
3,492.0 3,302.0 2,175.0 1,582.0
42,707.0 47,056.0 45,136.0 38,239.0
46,199.0 50,358.0 47,311.0 39,821.0
-568.0 4,466.0 5,431.0 4,857.0
-1,680.0 -1,232.0 -298.0 366.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-2,248.0 3,234.0 5,133.0 5,223.0
718.0 38.0 -108.0 248.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-1,530.0 3,272.0 5,025.0 5,471.0
n.a. n.a. n.a. n.a.
-1,530.0 3,272.0 5,025.0 5,471.0
12,769.0 9,035.0 7,513.0 6,172.0
58,968.0 59,393.0 54,824.0 45,993.0
0.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
1,043.5 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,166.0 382.0 520.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,248.0 2,292.0 3,137.0 3,693.0
n.a. n.a. n.a. n.a.
10,521.0 6,743.0 4,376.0 2,479.0
11,645.0 7,889.0 5,944.5 4,325.5
6,545.0 7,889.0 5,944.5 4,325.5
41,800.0 39,200.0 34,400.0 28,800.0

59,499.0 n.a. n.a. n.a.
7.80 7.30 7.40 7.60
11.10 10.00 10.50 11.00
535,147.0 540,400.0 462,500.0 377,700.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,344,270.0 1,064,595.0 862,321.0 813,586.0

n.a. n.a. n.a. n.a.
1,344,270.0 1,064,595.0 862,321.0 813,586.0
n.a. n.a. n.a. n.a.
6,074.0 n.a. n.a. n.a.
350,282.0 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
11,098.0 n.a. n.a. n.a.
23,222.0 n.a. n.a. n.a.
369,315.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
7.80 7.30 7.40 7.60
n.a. n.a. n.a. n.a.
11.10 10.00 10.50 11.00
n.a. n.a. n.a. n.a.
503,000.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006 31/12/2005
2.81 2.73 3.33 3.36

26.76 14.23 8.46 5.54
75.29 67.90 n.a. n.a.
3.73 4.02 n.a. n.a.
-0.01 -0.01 0.00 0.03
-0.47 -0.38 0.09 1.39
32.20 30.99 n.a. n.a.
7.96 9.95 n.a. n.a.
7.80 7.30 7.40 7.60

11.10 10.00 10.50 11.00
2.84 3.51 3.81 3.66
11.93 13.34 13.95 15.27
8.07 9.50 10.37 10.56
2.95 3.67 4.01 3.85
3.72 4.61 5.05 4.98
15.63 17.53 18.51 20.82
10.58 12.49 13.77 14.39
3.87 4.83 5.32 5.25
23.71 23.89 24.68 26.65
0.81 0.71 0.76 0.84

0.75 0.66 0.71 0.78
0.66 1.25 1.34 0.93
1.18 1.29 1.33 1.11
0.24 0.62 0.73 0.60
-0.05 -0.09 -0.15 -0.10
0.18 0.53 0.58 0.50
5.83 14.55 15.49 13.67
30.23 n.a. n.a. n.a.
4.07 n.a. n.a. n.a.
-15.21 17.03 10.11 13.73
69.09 62.80 61.71 62.27
0.44 0.71 0.79 0.64
36.93 41.37 51.99 37.62

23.82 26.27 27.29 23.94
67.66 71.22 74.37 69.14
27.17 30.55 32.24 28.32
100.41 125.51 126.41 129.04
40.32 53.84 54.80 52.86
ario)
2006 2005
72.83 54.92
77.05 54.37
76.65 54.23
74.90 50.50
72.80 54.23
74.85 56.26
76.20 59.19
82.95 58.49
84.85 62.76
86.15 62.76
81.35 66.68
82.65 67.82
Op.
Date of Vari- No of
Revenue
(mil USD)*
09/2012 ð <0,5 n.a.
09/2012 ð n.a. n.a.

09/2012 ð 5.0 n.a.
09/2012 ð n.a. n.a.
09/2012 ð 6.0 n.a.
09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð 4.0 n.a.
09/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
09/2012 ð 3.0 n.a.

12/2011 - n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð <0,5 1.0
09/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
09/2012 ð 1.0 10.0
09/2012 ð 1.0 n.a.
09/2012 - n.a. n.a.
09/2012 ð n.a. n.a.
12/2011 ð 384.0 n.a.
12/2011 ö 2,902.0 11,638.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð 114.0 603.0

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
09/2012 ð 44.0 n.a.
09/2012 ð 38.0 222.0
09/2012 ð n.a. n.a.

09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð 43.0 630.0
11/2011 ð n.a. n.a.
09/2012 ð n.a. n.a.

12/2011 ð n.a. n.a.
09/2012 ð n.a. n.a.
12/2011 ð 2.0 n.a.
09/2012 - n.a. n.a.
09/2012 ð 9.0 110.0
12/2011 ð 108.0 n.a.
09/2012 ð 198.0 n.a.
12/2011 ð 36.0 n.a.
03/2012 ð 410.0 n.a.
09/2012 ð n.a. n.a.

12/2011 - n.a. n.a.
09/2012 ð n.a. n.a.
10/2012 ð 62.0 2.0

09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
09/2012 ð n.a. n.a.

09/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
09/2012 ð 194.0 n.a.
09/2012 - n.a. n.a.

09/2012 ð n.a. n.a.
09/2012 ð - -
01/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

09/2012 ð 86.0 295.0
09/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
09/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
09/2012 ð 3.0 n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
09/2012 ð n.a. n.a.

03/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
03/2012 ð <0,5 n.a.

12/2011 ð n.a. n.a.
09/2012 ð n.a. 4.0
09/2012 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - 1.0 30.0
12/2011 ö n.a. n.a.

09/2012 ð 26.0 200.0
12/2011 ö n.a. n.a.
ank it is the
Crédit Agricole S.A.

The GUO of this controlled subsidiary is SAS RUE LA BOETIE
Contact details
Phone number +33 (1) 43 23 34 98

BUILDING PASTEUR, BLOC 1 91-93 BOULEVARD PASTEUR
Fax number +33 (1) 43 23 21 12
Web Site Address www.credit-agricole-sa.fr
75015 PARIS
FRANCE
Formerly known as Caisse Nationale de Crédit Agricole CNCA

Bank History :
The Office Nationale du Crédit Agricole, a public-sector central body in charge of monitoring and coordinating the financial
activities of the Local and Regional Banks as a whole, was set up in 1920. In 1926, it was renamed Caisse Nationale de
Crédit Agricole. In 1997, absorbed Union de crédit pour le développement régional UNICREDIT. Changed its name to
Crédit Agricole S.A. in December 2001.

Accounting Standards International Financial Nickname CNCIFRS
Name of the Auditor PricewaterhouseCoopers / Model ALLBANKS
Ernst & Young
available

(12/11/2012) World rank, 2011 7
shareholders
No of recorded 536
subsidiaries
Peer Group

Size 1,761
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 399,379.0 383,246.0 362,348.0 346,973.0
Gross Loans 415,815.0 397,263.0 374,413.0 356,388.0
Derivatives 41,861.0 23,525.0 23,117.0 12,945.0
Fixed Assets 5,170.0 5,202.0 5,043.0 4,675.0
Total Assets 1,723,608.0 1,593,529.0 1,557,342.0 1,653,220.0

Derivatives 34,605.0 25,619.0 24,543.0 16,327.0
Other Reserves 4,798.0 4,492.0 4,898.0 5,211.0
Equity 49,292.0 52,149.0 51,964.0 47,336.0
Notes
Impaired Loans (Memo) n.a. n.a. n.a. n.a.
Liquid Assets (Memo) 898,571.0 806,824.0 800,179.0 1,017,683.0
Hybrid Capital (Memo) 12,170.0 n.a. n.a. n.a.

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Assets at FV through Income -679.0 1,981.0 4,751.0 -8,162.0
Statement
Remaining Operating Income 108.0 -2,633.0 -6,591.0 7,500.0
Overheads 13,612.0 13,187.0 12,182.0 12,735.0
Other -1,700.0 -557.0 428.0 148.0
Profit before Tax -186.0 2,608.0 1,499.0 1,172.0
Tax 1,026.0 877.0 211.0 -66.0
Net Income -1,198.0 1,752.0 1,446.0 1,266.0
Dividend Paid 1,079.0 1,044.0 n.a. n.a.

Tier 1 Ratio 11.20 10.60 9.50 8.60
Total Capital 44,800.0 47,400.0 n.a. 33,400.0
Tier 1 Capital 40,400.0 43,000.0 n.a. 39,000.0
Net-Charge Offs -3,132.0 n.a. n.a. n.a.

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 1,513.0 991.0 716.0 975.0

Net Gains (Losses) on Other Securities -4,456.0 2,475.0 -412.0 -1,443.0
Statement
Other Operating Income 4,564.0 -5,108.0 -6,179.0 8,075.0
Equity-accounted Profit/ Loss - Operating n.a. n.a. n.a. 868.0

Equity-accounted Profit/ Loss - Non-operating 229.0 65.0 847.0 n.a.

Non-recurring Expense 1,934.0 445.0 486.0 280.0
Other Non-operating Income and Expenses 5.0 -177.0 67.0 428.0
Pre-tax Profit -186.0 2,608.0 1,499.0 1,172.0
Tax expense 1,026.0 877.0 211.0 -66.0
Net Income -1,198.0 1,752.0 1,446.0 1,266.0
Change in Value of AFS Investments n.a. n.a. 2,759.0 -3,822.0

Currency Translation Differences n.a. n.a. n.a. -104.0
Fitch Comprehensive Income -1,198.0 1,752.0 4,205.0 -2,660.0
Memo: Net Income after Allocation to Non- -1,470.0 1,263.0 1,125.0 1,024.0
Memo: Common Dividends Relating to the Period 1,079.0 1,044.0 n.a. n.a.
Balance Sheet
Assets
Loans
Other Loans 415,815.0 397,263.0 374,413.0 356,388.0
Net Loans 399,379.0 383,246.0 362,348.0 346,973.0
Gross Loans 415,815.0 397,263.0 374,413.0 356,388.0
Memo: Impaired Loans included above n.a. n.a. n.a. n.a.
Derivatives 41,861.0 23,525.0 23,117.0 12,945.0
Other Earning Assets n.a. n.a. n.a. 1,582.0
Non-earning Assets
Fixed Assets 5,170.0 5,202.0 5,043.0 4,675.0
Goodwill 17,528.0 18,960.0 19,432.0 19,614.0
Discontinued Operations 260.0 1,581.0 598.0 n.a.
Other Assets 87,039.0 76,897.0 81,320.0 82,932.0
Total Assets 1,723,608.0 1,593,529.0 1,557,342.0 1,653,220.0
Funding
Other Funding n.a. n.a. 366,319.0 n.a.
Derivatives 34,605.0 25,619.0 24,543.0 16,327.0
Total Funding 1,342,645.0 1,234,726.0 1,208,466.0 1,330,086.0
Deferred Tax Liabilities 1,757.0 1,220.0 218.0 142.0
Other Deferred Liabilities n.a. n.a. n.a. 2,109.0
Discontinued Operations 39.0 1,472.0 582.0 1,506.0
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 12,170.0 n.a. n.a. n.a.
Debt
Equity
Equity
Common Equity 42,797.0 45,667.0 44,325.0 43,128.0
Securities Revaluation Reserves n.a. n.a. 1,132.0 -1,627.0
Fixed Asset Revaluations and Other Accumulated n.a. n.a. n.a. 230.0
OCI
Total Equity 49,292.0 52,149.0 51,964.0 47,336.0
Memo: Fitch Core Capital 24,801.0 n.a. n.a. n.a.
Memo: Fitch Eligible Capital 24,801.0 n.a. n.a. n.a.
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Taxes/ Pre-tax Profit% -551.61 33.63 14.08 -5.63
Pre-Impairment Operating Profit / Risk Weighted 2.15 1.87 n.a. n.a.
Assets%
Operating Profit / Risk Weighted Assets% 0.45 0.85 n.a. n.a.
Fitch Comprehensive Income/ Average Total Equity -2.30 3.32 8.51 -5.90
%
Fitch Comprehensive Income/ Average Total Assets -0.07 0.11 0.26 -0.18
%
Securitized Assets%
Net Income/ Risk Weighted Assets% -0.36 0.47 n.a. n.a.
Fitch Comprehensive Income/ Risk Weighted Assets -0.36 0.47 n.a. n.a.
%
Capitalization
Fitch Core Capital/Weighted Risks% 7.43 n.a. n.a. n.a.
Fitch Eligible Capital/ Weighted Risks% 7.43 n.a. n.a. n.a.
Cash Dividends Paid & Declared/ Net Income% -90.07 59.59 n.a. n.a.
Cash Dividend Paid & Declared/ Fitch -90.07 59.59 n.a. n.a.
Loan Quality
Impaired Loans(NPLs)/ Gross Loans% n.a. n.a. n.a. n.a.
Reserves for Impaired Loans/ Impaired Loans% n.a. n.a. n.a. n.a.
Impaired Loans less Reserves for Imp Loans/ Equity n.a. n.a. n.a. n.a.
%
Net Charge-offs/ Average Gross Loans% -0.78 n.a. n.a. n.a.
Impaired Loans + Foreclosed Assets/ Gross Loans + n.a. n.a. n.a. n.a.
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 86,721.0 n.a. n.a. 102,640.0

balance sheet
Other Contingent Liabilities n.a. n.a. n.a. 8,898.0
Memo: Total Weighted Risks 333,700.0 371,700.0 n.a. n.a.
Fitch Adjusted Weighted Risks 333,700.0 371,700.0 n.a. n.a.
Average Loans 402,135.4 387,758.5 448,385.5 331,885.0
Average Assets 1,645,870.4 1,663,117.6 1,617,705.2 1,510,755.0
Average Equity 52,076.6 52,824.6 49,384.0 45,064.3
Maturities






Net Income -1,198.0 1,752.0 1,446.0 1,266.0
Published Net Income -1,198.0 1,752.0 n.a. n.a.
Equity 49,292.0 52,149.0 51,964.0 47,336.0
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on 0.0 n.a. n.a. n.a.
the B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 n.a. n.a. n.a.
Goodwill 17,528.0 18,960.0 19,432.0 19,614.0
Net asset value of insurance subsidiaries 0.0 n.a. n.a. n.a.
First loss tranches of off-balance sheet 0.0 n.a. n.a. n.a.
securitizations
Fitch Core Capital 24,801.0 n.a. n.a. n.a.
Eligible weighted Hybrid capital 0.0 n.a. n.a. n.a.
Government held Hybrid Capital 0.0 n.a. n.a. n.a.
Fitch Eligible Capital 24,801.0 n.a. n.a. n.a.
Eligible Hybrid Capital Limit 10,629.0 n.a. n.a. n.a.

Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 227,390.0 225,757.0 213,558.0 117,719.0

Asset Quality Data

Net Charge-offs
Recoveries 3,132.0 n.a. n.a. n.a.
Net Charge-offs -3,132.0 n.a. n.a. n.a.
Reserves
Collective/General Loan Impairment Reserves n.a. 14,017.0 n.a. n.a.

Capital
Eligible Capital

Retained Earnings n.a. n.a. 1,125.0 1,024.0
Profit/Loss Reserve/Income for the period net of -1,470.0 1,263.0 n.a. n.a.
dividends
Treasury Shares 366.0 517.0 564.0 564.0
Valuation Reserves for AFS Securities in OCI Total n.a. n.a. 1,132.0 -1,627.0
Total Valuation Reserves in OCI n.a. n.a. 1,132.0 -1,627.0
Cash Flow Hedge Reserve n.a. n.a. n.a. 424.0
Other OCI Reserves -1,331.0 224.0 n.a. n.a.
Total OCI Reserves -1,331.0 224.0 1,132.0 -1,203.0
Total Other Equity Reserves -1,331.0 224.0 1,132.0 -1,203.0
Interests
absorbing

Total Dividends Related to Period 1,079.0 1,044.0 n.a. n.a.
Total Dividends Paid and Declared in Period 1,079.0 1,044.0 n.a. n.a.
Capital
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 0.0 n.a. n.a. n.a.
Regulatory Tier 1 Capital 40,400.0 43,000.0 n.a. 39,000.0
Total Regulatory Capital 44,800.0 47,400.0 n.a. 33,400.0
Risk Weighted Assets including floor/cap per Basel II 333,700.0 371,700.0 n.a. n.a.

II
Capital
deposits
banks

loans

Total Exposure to Central Bank 27,111.0 27,810.0 n.a. 48,077.0
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Loan Loss Res / Impaired Loans n.a. n.a. n.a. n.a.
Impaired Loans / Gross Loans n.a. n.a. n.a. n.a.
NCO / Average Gross Loans -0.77 n.a. n.a. n.a.
NCO / Net Inc Bef Ln Lss Prov -70.24 n.a. n.a. n.a.
Impaired Loans / Equity n.a. n.a. n.a. n.a.
Unreserved Impaired Loans / Equity n.a. n.a. n.a. n.a.
Capital
Tier 1 Ratio 11.20 10.60 9.50 8.60
Equity / Net Loans 12.34 13.61 14.34 13.64
Operations
Dividend Pay-Out -90.07 59.59 n.a. n.a.
Inc Net Of Dist / Avg Equity -4.49 1.36 n.a. n.a.
Non Op Items / Net Income 141.90 -31.79 29.60 11.69
Liquidity
Interbank Ratio 219.83 234.23 249.44 211.47
General information


Ticker symbol: ACA

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Hannover
Boerse Munchen
Boerse Stuttgart
US Exchange
XETRA
IPO date: 12/14/2001
Market price - May 2.89 10.62 8.88 10.33 17.01 30.68 29.09

Price trends (%)

BETA




Reference index 5:

Date News
1 05/11/2012 Russian Railways signs contract to acquire Gefco majority stake
(deal no. 1601368430)
2 22/10/2012 Enseignes Hode in buy-out (deal no. 1601414043)
3 19/10/2012 EFG Financial Products lists on Swiss Stock Exchange (deal no.
1601309631)
4 17/10/2012 Alpha Bank to acquire Emporiki from Crédit Agricole (deal no.
1601411131)
5 15/10/2012 Secmeplast in MBI (deal no. 1601414460)
6 11/10/2012 Realogy Holdings completes IPO (deal no. 1601376923)
7 09/10/2012 Vivendi mulls sale of Maroc Tel: Reuters (deal no. 1601286145)
8 25/09/2012 EFG Financial Products to float by end of year (deal no.

1601309631)
9 14/09/2012 Russian Railways closes in on Gefco: Bloomberg (deal no.
1601368430)
10 29/08/2012 Crédit Agricole rejects offers for Bankinter stake due to low offer
prices (deal no. 1601398068)
11 24/08/2012 Crédit Agricole reduces its stake in Intesa SanPaolo (deal no.
1601288806)
12 17/08/2012 Güler Yatirim Holding acquires a majority stake in Credit Agricole
Cheuvreux Menkul Degerler (deal no. 1601402867)
13 09/08/2012 Greek banks vie for Credit Agricole’s Emporiki unit (deal no.
1601383264)
14 31/07/2012 Taubman Centers prices underwritten public offering (deal no.
1601391585)
15 30/07/2012 Cafés Merling receives funding (deal no. 1601393445)
16 12/07/2012 Continentale Nutrition confirms investment from AgroInvest and
India Invest (deal no. 1601377496)
17 09/07/2012 Emporiki Bank of Greece completes transfer of Romanian,
Bulgarian and Albanian units to Credit Agricole (deal no.
1601378515)
18 04/07/2012 Kredi Ahrikol Bank to acquire Korporatyvnyy ta Investytsiynyy

Bank Kredi Ahrikol (deal no. 1601384025)
19 02/07/2012 Alpha Bank in exlusive negotiation (deal no. 1601383264)
20 11/06/2012 Private equity-backed Domus files for USD 1bn IPO (deal no.
1601376923)
21 01/06/2012 Hastings Funds Management and Ontario Teachers Pension Plan
acquires Sydney Desalination Plant (deal no. 1633104138)
22 30/05/2012 Loc Maria acquires stake in Traou Mad (deal no. 1601375063)
23 21/05/2012 Credit Agricole has acquired Korporatyvnyy ta Investytsiynyy
24 03/05/2012 Crédit Agricole interested in Véolia Transdev stake (deal no.
1601367993)
25 18/04/2012 AREM in institutional buy-out (deal no. 1601365027)
26 12/04/2012 Crédit Agricole increases its stake in Banco Espírito Santo (deal
no. 1601360701)
27 11/04/2012 Banco Espírito Santo acquires the remaining stake in BES Vida
from Crédit Agricole (deal no. 1601360495)
28 29/03/2012 Coller Capital completes acquisition of Crédit Agricole Private
Equity which becomes Omnes Capital (deal no. 1601326395)
29 15/03/2012 Vermandoise de Sucreries is delisted (deal no. 1601305685)
30 12/03/2012 Sophem receives funding (deal no. 1601351884)
31 09/03/2012 ALCEN divest Maison Du Decolletage Et Du Pivotage in MBO (deal
no. 1601352024)
32 01/03/2012 GT2I acquired in MBO (deal no. 1601351990)
33 24/02/2012 Kredi Ahrikol Bank to acquire Korporatyvnyy ta Investytsiynyy
34 31/01/2012 Groupe Pascal Secula Developpement acquires Artmann and
Lazar-Levieux (deal no. 1601353849)
35 09/01/2012 Cristal Union offer for Vermandoise de Sucreries approved by
competition authority (deal no. 1601305678)
36 04/01/2012 Emporiki Bank receives new capital injection from Crédit Agricole
(deal no. 1601329925)
37 09/11/2011 Spartan Capital Holdings acquired Polkomtel (deal no.
1601070783)
38 04/11/2011 AXA sells majority stake in Skyrock (deal no. 1601314713)
39 31/10/2011 Sud Cereales acquires stake in Péris Montariol (deal no.
1601319685)
40 20/10/2011 Groupe Climater acquired by private equity investors (deal no.
1601310574)
41 06/10/2011 Two investors have acquired Banco Suquia (deal no.
1601308337)
42 22/09/2011 Société Générale reportedly planning sale of 2 units (deal no.
1601303943)
43 14/09/2011 Emporiki is delisted (deal no. 1601273299)
44 30/08/2011 Banco Popolare won't sell its stake in Agos Ducato to Crédit
Agricole (deal no. 1601246769)
45 04/08/2011 Dufry acquires Interbaires (deal no. 1601172587)
46 04/08/2011 Dufry acquires airport retail ops in Latin America and a wholesale
platform (deal no. 1601290931)
47 16/07/2011 Vivendi may sell a majority stake in Maroc Télécom (deal no.
1601286145)
48 14/07/2011 Lactalis completes offer for Parmalat (deal no. 1601266083)
49 22/06/2011 Mr Solorz-Zak and Mr Ruta sell stake in Cyfrowy Polsat via
50 14/06/2011 Shareholders rumoured to sell Tokyo Star Bank (deal no.
1633038415)
Source : Zephyr
Boards & committees

1. Mr. René Carron - Chairman of the Board of BoD VI
P014140613 Directors (from 20/05/1999
to 2011)
- Member, Appointments and NomC, VI
Governance Committee CoGoC
- Chairman, Strategic Committee OthBC VI
2. Mr. Jean-Marie Sander - Chairman of the Board of BoD SC
P038939612 directors
- Vice-Chairman of the Board BoD VI
(Representative of SAS Rue La
Boetie) (from 21/05/2003
to 2009)
- Member, Compensation RemC VI
Committee
- Member, Appointments and NomC, VI
Committee
3. Mr. Jean- Paul Chifflet - Deputy Chairman of the Board BoD VI
P039790666 (from 31/01/2007 to 2010)
- Member of the executive board ExeB SC
- Member of the Appointments and NomC, VI
Committee
4. Mr. Noël Dupuy - Deputy chairman of the Board of BoD VI
P002780767 Directors (from 21/05/2003
to 2009)
- Member of the Audit and Risks AudC, OthBC VI
Strategic Committee
5. Mr. Pierre Marie Bru - Director, Board of Directors BoD VI
P002780764 (from 25/05/2000 to 2010)
- Member of the Compensation RemC VI
Committee
6. Mr. Philippe André Albert Camus - Independent Director, Board of BoD VI
P058753520 Directors (from 18/05/2005
to 2011)
6.

Committee
- Chairman, Compensation RemC VI
Committee
7. Mr. Gérard Cazals - Director, Board of Directors BoD VI
P039814561 (from 21/05/2008 to 2009)
8. Daniel Coussens - Director, Board of Directors BoD VI
P039810643 (representing employees)
(from 06/2006 to 2009)
9. Mr. Alain David - Director, Board of Directors BoD VI
P039810613 (from 18/05/2005 to 2010)
- Member of the Compensation RemC VI
Committee
10. Mr. Bruno De Laage De Meux - Director, Board of Directors BoD VI
P039810644 (from 17/05/2006 to 2010)
- Member, Executive Committee; OthBC VI
Member of the Strategic
Corporate Management
Committee
11. Mr. Alain Diéval - Director, Board of Directors BoD VI

P002785537 (from 19/05/2004 to 2011)
Committee
12. Mr. Xa Vier Fon - Independent Director, Board of BoD VI
P038946679 Directors (from 29/11/2001
to 2011)
Committee
13. Mrs. Carole Giraud - Director, Board of Directors BoD VI
P039810616 (representing Credit Agricole
Regional Bank employees)
(from 29/11/2001 to 2009)
14. Lord Michael Hastings Jay of - Non-executive Director; BoD VI
Ewelme Independent Director, Board of
P081338731 Directors (from 23/05/2007
to 2011)
Committee
- Chairman of the Appointments NomC, VI
and Governance Committee CoGoC
(since 07/2008)
15. Mr. Dominique Lefebvre - Director, Board of Directors BoD VI
P039812480 (from 23/05/2007 to 2009)
16. Mr. Jean-Michel Lemétayer - Director, Board of Directors BoD VI
P039810621 (from 11/2001 to 08/2011)
17. Mr. Michel Mathieu - Director, Board of Directors BoD VI
P052009567 (from 21/05/2008 to 2011)
Committee
18. Mr. Michel Michaut - Director, Board of Directors BoD VI
P039810623 (from 19/05/2004 to 2011)
- Member of the Appointments and NomC, VI
19. Mr. Henri Moulard - Non-voting Director BoD VI
P038955421 (from 21/05/2003 to 2009)
- Chairman of the Audit and Risks AudC, OthBC VI
Committee
20. Guy Savarin - Director, Board of Directors BoD VI
P039810646 (representing employees)
(from 06/2006 to 2009)
21. Mr. François Veverka - Independent Director, Board of BoD VI
P051729363 Directors (from 21/05/2008
to 2011)
Committee
22. Mr. Georges Pauget - Chairman of the Management ExeB, OthBC VI
P039810773 Board and the Executive
Committee
23. Mr. Jean-Frédéric Marie Jacques - Member of the Management ExeB, OthBC VI
de Leusse Board and the Executive
24. Mr. Jean-Yves José Hocher - Member of Management Board ExeB, OthBC VI
P038987263 and the Executive Committee
25. Mr. Jacques Lenormand - Member of the Management ExeB, OthBC VI
Committee
26. Mr. Bernard Octave Mary - Member of the Management ExeB, OthBC VI
Committee
27. Mr. Mohammed Youssef Agoumi - Member, Executive Committee OthBC VI
P005615129
28. Mr. Bertrand Badré - Member, Executive Committee OthBC VI
P008288772
29. Mr. Jean-Paul Betbèze - Member, Executive Committee OthBC VI
P039807385
30. Mr. Jérôme Brunel - Member, Executive Committee OthBC VI
P051562321
31. Mr. Francis Canterini - Member, Executive Committee OthBC VI
P039410124
32. Mr. Marc Carlos - Member, Executive Committee OthBC VI
P039850408
33. Mr. Paul de Leusse - Member, Executive Committee OthBC VI
P036155646
34. Mr. Gilles de Margerie - Member, Executive Committee OthBC VI
P112541381
35. Mr. Pierre Deheunynck - Member, Executive Committee OthBC VI
P043546667
36. Mr. Alain Deschênes - Member, Executive Committee OthBC VI
P044729199
37. Mr. Philippe Dumont - Member, Executive Committee OthBC VI
P051544710
38. Mr. Christian Duvillet - Member, Executive Committee OthBC VI
P039812476
39. Mr. Ariberto Fassati - Member, Executive Committee OthBC VI
P014340720
40. Mr. Jérôme Grivet - Member, Executive Committee OthBC VI
P052820214
41. Mr. Alain Massiera - Member, Executive Committee OthBC VI
P021412821
42. Mr. Bernard Michel - Member, Executive Committee OthBC VI
P066195902
43. Mr. Yves Louis Perrier - Member, Executive Committee OthBC VI
P051729965
44. Alexandra Rocca - Member, Executive Committee OthBC VI
P043546655
45. Mr. Alain Strub - Member, Executive Committee OthBC VI
P039830280
46. Mr. Patrick Valroff - Member, Executive Committee OthBC VI
P039814567
47. Mr. Jean Pierre Joseph Michel - Member, Executive Committee OthBC VI
Vauzanges
P039680980
Management & staff

1. Mr. Jean- Paul Chifflet - Chief Executive Officer SenMan SC, VI
P039790666
2. Mr. Georges Pauget - Chief Executive Officer SenMan VI
P039810773 (since 12/09/2005)
3. Mr. Jean-Frédéric Marie Jacques - Deputy Chief Executive Officer, in SenMan VI
de Leusse charge of the Group Specialised
P014302368 business lines area
(since 15/10/2008)
4. Mr. Jean-Yves José Hocher - Deputy Chief Executive Officer in SenMan VI
P038987263 charge of Caisses Regionales
development, Payment
instruments and Insurance area
(since 15/10/2008)
- Head of the Regional Banks, FinAcc, VI

Payment Instruments and OthDep
Insurance (since 15/10/2008)
5. Mr. Jacques Lenormand - Deputy Chief Executive Officer, in SenMan VI
P039806320 charge of Credit Agricole S.A.
Group functions area
(since 01/09/2007)
- Head of Retail Banking in France MarkAdv, VI
and Group Marketing Strategy Oper
- Head of Credit Agricole S.A. OthDep VI
Group Functions
(since 15/10/2008)
6. Mr. Bernard Octave Mary - Deputy Chief Executive Officer in SenMan VI
P039810622 charge of Retail area (LCL and
International retail banking)
(since 15/10/2008)
7. Mr. Philippe Dumont - Group Chief Internal Auditor SenMan VI
P051544710
8. Mr. Bertrand Badré - Group Chief Financial Officer FinAcc VI
P008288772
9. Mr. Jérôme Brunel - Head of Specialised Financial FinAcc VI
P051562321 Services
10. Mr. Marc Carlos - Head of Payment Systems and FinAcc VI
P039850408 Services
11. Mr. Pierre Deheunynck - Head of Group Human Resources HR SC, VI
P043546667
12. Daniel Coussens - Head of Commercial Marketing MarkAdv VI
P039810643 for Institutional Investors, Local
Authorities and the Professions
13. Mr. Ariberto Fassati - Head of Credit Agricole S.A. Oper VI
P014340720 Group in Italy
14. Mr. Alain Deschênes - Chief IT officer IT&IS SC, VI
P044729199 (since 01/04/2009)
15. Mr. Jean-Paul Betbèze - Chief Economist OthDep VI
P039807385
16. Mr. Francis Canterini - Head of Group Risk Management OthDep VI
P039410124 and Permanent Controls
(since 11/02/2009)
17. Mr. Paul de Leusse - Head of Group strategy OthDep VI
P036155646 (since 01/04/2009)
18. Mr. Gilles de Margerie - Head of Private Banking, Private OthDep VI
P112541381 Equity and Real Estate
19. Mr. Bernard Michel - Head of Insurance activities OthDep VI
P066195902
20. Mr. Yves Louis Perrier - Head of Asset Management, OthDep VI
P051729965 Securities and Investor Services
21. Alexandra Rocca - Head of Group Communications OthDep VI
P043546655
22. Mr. Jean Pierre Joseph Michel - Head of Regional Banks OthDep VI
Vauzanges Development
P039680980
23. Mr. Mohammed Youssef Agoumi - Deputy Head of International OthDep VI
P005615129 Development
24. Mr. René Carron - Permanent Representative OthDep VI
P014140613
25. Mr. Noël Dupuy - Representative OthDep VI
P002780767

Op.
(mil USD)*
SAS RUE LA BOETIE (Domestic and Global FR C 56.20 n.a. WW 12/2011 n.a. n.a.
UO)
CRÉDIT AGRICOLE S.A. FR B 26,890.0 87,451
*: For an insurance company the corresponding value is the Gross Premium Written and for a bank it is the
Ownership Source


1. AETRAN ADMINISTRATIVE NL 100.00 100.00 1 - RM 12/2011
DIENTVERLENING B.V. (EX- AJAX FINANCE
B.V.)
2. ALCOR HK 100.00 100.00 1 - RM 12/2011

3. AYLESBURY GB 100.00 100.00 1 - RM 12/2011
4. BANCO BISEL AR 100.00 100.00 1 - IP 07/2012
5. BFT OPPORTUNITE FR 100.00 100.00 1 - RM 12/2011
6. BGP INDOSUEZ FR 100.00 100.00 1 - RM 12/2011
7. C.L. VERWALTUNGS UND DE 100.00 100.00 1 - RM 12/2011
BETEILIGUNGSGESELLSCHAFT GMBH
8. CA PREFERRED FUNDING LLC US 100.00 100.00 1 - IP 07/2012
9. CACEIS (USA) INC. US 100.00 100.00 1 - RM 12/2011
10. CACEIS BELGIUM BE 100.00 100.00 1 - RM 12/2011
11. CACI NON LIFE LIMITED (EX FINAREF IE 100.00 100.00 1 - RM 12/2011
INSURANCE LTD)
12. CALLIOPE SRL (FORMERLY CORDUSIO SRL) IT 100.00 100.00 1 - RM 12/2011
13. CAPB LEVANTE ES 100.00 100.00 1 - RM 12/2011

14. CAPB NORTE ES 100.00 100.00 1 - RM 12/2011
15. CPR HOLDING FR 100.00 100.00 1 - IP 07/2012
16. CREDICOM CONSUMER FINANCE BANK S.A. GR 100.00 100.00 1 - RM 12/2011
17. CREDIT AGRICOLE ASSURANCES FR 100.00 100.00 1 - IP 07/2012

18. CREDIT AGRICOLE BANK ROMANIA SA RO 100.00 100.00 1 - OS 07/2012
19. CREDIT AGRICOLE BULGARIA EAD BG 100.00 100.00 1 - OS 07/2012
20. CREDIT AGRICOLE CAPITAL FR 100.00 100.00 1 - IP 07/2012
INVESTISSEMENT & FINANCE
21. CREDIT AGRICOLE CHEVREUX ESPANA S.A. ES 100.00 100.00 1 - RM 12/2011
22. CREDIT AGRICOLE CIB CHINA LTD CN 100.00 100.00 1 - RM 12/2011

23. CREDIT AGRICOLE IMMOBILIER FR 100.00 100.00 1 - IP 07/2012
24. CREDIT AGRICOLE PUBLIC SECTOR SCF FR 100.00 100.00 1 - IP 07/2012
25. CREDIT AGRICOLE SRBIJA A.D. NOVI SAD RS 100.00 100.00 1 - RM 12/2011
26. CREDIT LYONNAIS PREFERRED CAPITAL US 100.00 100.00 1 - RM 12/2011

27. CREDIT LYONNAIS SECURITIES ASIA BV NL 100.00 100.00 1 - RM 12/2011
28. CRÉDIT AGRICOLE COVERED BONDS FR 100.00 100.00 1 - IP 07/2012
29. CRÉDIT AGRICOLE LEASING & FACTORING FR 100.00 100.00 1 - IP 07/2012
30. D2 CAM FR 100.00 100.00 1 - IP 07/2012

31. DANAKTIV A/S DK 100.00 100.00 1 - RM 12/2011
32. DELFINANCES FR 100.00 100.00 1 - IP 07/2012
33. DOLCE VIE IT 100.00 100.00 1 - RM 12/2011
34. EDA FR 100.00 100.00 1 - RM 12/2011
35. EDRAM OPPORTUNITES FR 100.00 100.00 1 - RM 12/2011
36. EMPORIKI BANK - ALBANIA SA AL 100.00 100.00 1 - OS 07/2012
37. EMPORIKI CREDICOM INSURANCE GR 100.00 100.00 1 - RM 12/2011
BROKERS S.A.
38. EMPORIKI LIFE INSURANCE COMPANY SA GR 100.00 100.00 1 - RM 12/2011
39. EUROFACTOR SA PT 100.00 100.00 1 - RM 12/2011

40. EUROLEENLIJN B.V. NL 100.00 100.00 1 - RM 12/2011
41. EVERGREEN MONTROUGE SAS FR 100.00 100.00 1 - IP 07/2012
42. FASTNET PAYS-BAS NL 100.00 100.00 1 - RM 12/2011
43. FCPR CAA COMPART. PART1 FR 100.00 100.00 1 - RM 12/2011
46. FCPR ROOSEVELT INVESTISSEMENTS FR 100.00 100.00 1 - RM 12/2011
47. FINANCIERE IMMOBILIERE CREDIT FR 100.00 100.00 1 - RM 12/2011
AGRICOLE CIB
48. FINASIC FR 100.00 100.00 1 - IP 07/2012
49. FINATA ZUID-NEDERLAND B.V. NL 100.00 100.00 1 - RM 12/2011
50. FONCARIS FR 100.00 100.00 1 - IP 07/2012
51. GRD16 FR 100.00 100.00 1 - RM 12/2011
52. GRD17 FR 100.00 100.00 1 - RM 12/2011
53. GRD18 FR 100.00 100.00 1 - RM 12/2011
54. GRD19 FR 100.00 100.00 1 - RM 12/2011
55. GRD2 JP 100.00 100.00 1 - RM 12/2011
56. GRD20 FR 100.00 100.00 1 - RM 12/2011
57. IDIA-SODICA FR 100.00 100.00 1 - RM 12/2011
58. IKS PLUS BALANCOVANY, OTEVRENY CZ 100.00 100.00 1 - RM 12/2011
PODILOVY FOND INVESTICNI KAPITALOVE
KB, A.S.
59. IMMOBILIERE SIRIUS S.A. LU 100.00 100.00 1 - RM 12/2011

60. INTER FACTOR EUROPA (ESPAGNE) ES 100.00 100.00 1 - IP 07/2012
61. INVESTOR SERVICE HOUSE SA LU 100.00 100.00 1 - RM 12/2011
62. IUB HOLDING FR 100.00 100.00 1 - IP 07/2012
63. JSC INDEX BANK UA 100.00 100.00 1 - IP 07/2012
64. LEBE LEASE B.V. NL 100.00 100.00 1 - RM 12/2011
65. MERIDIAN BANK CA GROUP n.a. 100.00 100.00 1 - IP 07/2012
66. MERISMA FR 100.00 100.00 1 - RM 12/2011
67. MONEY CARE B.V. NL 100.00 100.00 1 - RM 12/2011
68. NEW THEO GB 100.00 100.00 1 - RM 12/2011
69. OLYMPIA CAPITAL LTD CAYMAN US 100.00 100.00 1 - RM 12/2011
70. PREDICA 2005 FCPR A FR 100.00 100.00 1 - RM 12/2011
72. PREDICA 2006-2007 FCPR FR 100.00 100.00 1 - RM 12/2011
74. PREDICA 2007 FCPR C FR 100.00 100.00 1 - RM 12/2011
75. PREDICA 2008 FCPR A1 FR 100.00 100.00 1 - RM 12/2011
81. PREDICA SECONDAIRES I A1 FR 100.00 100.00 1 - RM 12/2011
82. PREDICA SECONDAIRES I B1 FR 100.00 100.00 1 - RM 12/2011
83. PREDICA SECONDAIRES II A1 FR 100.00 100.00 1 - RM 12/2011
84. PREDICA SECONDAIRES II B1 FR 100.00 100.00 1 - RM 12/2011
85. PREDIQUANT ACTIONS AMERIQUE FR 100.00 100.00 1 - RM 12/2011
86. PREDIQUANT ACTIONS ASIE FR 100.00 100.00 1 - RM 12/2011
87. PREDIQUANT ACTIONS EUROPE FR 100.00 100.00 1 - RM 12/2011
88. PREDIQUANT STRATEGIES FR 100.00 100.00 1 - RM 12/2011
89. SCI D2 CAM FR 100.00 100.00 1 - RM 12/2011
90. SCI RASPAIL FR 100.00 100.00 1 - RM 12/2011
91. SEDEF FR 100.00 100.00 1 - RM 12/2011
92. SELEXIA S.A.S. FR 100.00 100.00 1 - RM 12/2011
93. SOC D'EPARGNE FONCIERE AGRICOLE FR 100.00 100.00 1 - IP 07/2012
94. UI VAVIN 1 FR 100.00 100.00 1 - RM 12/2011
95. VIA VITA FR 100.00 100.00 1 - RM 12/2011
96. AMUNDI FR - 100.00 1 - RM 12/2011
97. AMUNDI (UK) LIMITED GB - 100.00 1 - RM 12/2011
98. AMUNDI ALTERNATIVE INVESTMENTS INC. US - 100.00 1 - RM 12/2011
(EX CAAM AI INC)
99. AMUNDI ALTERNATIVE INVESTMENTS LTD BM - 100.00 1 - RM 12/2011
(EX CAAM AI LTD)
100. AMUNDI ALTERNATIVE INVESTMENTS SAS FR - 100.00 1 - RM 12/2011
34 98
21 12
ricole-sa.fr
ting the financial

Nationale de
its name to
ope)
ager for more
ager for more
Watch

Unqualified Unqualified Unqualified Unqualified Audited
31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
346,973.0 300,593.0 246,494.0 186,148.0 164,238.0

356,388.0 309,165.0 254,116.0 193,412.0 169,956.0
9,415.0 8,572.0 7,622.0 7,264.0 5,718.0
1,190,567.0 1,020,810.0 936,688.0 796,619.0 574,805.0
382,776.0 345,471.0 304,906.0 269,332.0 284,288.0
12,945.0 10,622.0 3,834.0 4,947.0 0.0
790,635.0 661,742.0 624,300.0 519,062.0 13,938.0
4,211.0 2,975.0 3,648.0 3,278.0 276,579.0
1,537,540.0 1,321,403.0 1,183,182.0 982,767.0 739,043.0
4,675.0 4,573.0 3,931.0 2,460.0 2,552.0
111,005.0 88,247.0 73,420.0 76,216.0 75,807.0
1,653,220.0 1,414,223.0 1,260,533.0 1,061,443.0 817,402.0
595,905.0 566,484.0 490,364.0 436,947.0 448,760.0

414,894.0 385,959.0 349,695.0 316,911.0 303,626.0
181,011.0 180,525.0 140,669.0 120,036.0 145,134.0
734,181.0 542,583.0 486,636.0 366,983.0 117,982.0
16,327.0 11,493.0 4,244.0 5,607.0 0.0
717,854.0 531,090.0 482,392.0 361,376.0 117,982.0
270,587.0 253,725.0 240,290.0 218,314.0 220,580.0
5,211.0 4,957.0 4,154.0 4,291.0 n.a.
47,336.0 46,474.0 39,089.0 34,908.0 30,080.0
1,653,220.0 1,414,223.0 1,260,533.0 1,061,443.0 817,402.0

9,415.0 8,572.0 7,622.0 7,264.0 5,718.0
1,017,683.0 847,640.0 775,771.0 660,045.0 285,046.0
21,026.0 19,799.0 16,754.0 14,621.0 13,846.0
256,671.0 271,795.0 361,816.0 215,477.0 170,954.0

34,871.0 22,477.0 24,054.0 20,809.0 18,164.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
13,088.0 8,807.0 10,154.0 9,327.0 2,953.0
3,736.0 9,230.0 7,704.0 5,856.0 10,626.0
n.a. n.a. n.a. 0.0 4,567.0
-8,162.0 4,827.0 5,799.0 5,033.0 0.0
4,398.0 4,681.0 3,805.0 3,509.0 2,490.0

7,500.0 -278.0 -1,900.0 -2,686.0 3,569.0
12,735.0 12,779.0 10,420.0 9,195.0 8,605.0
3,065.0 1,836.0 547.0 614.0 611.0
148.0 1,395.0 -40.0 -183.0 -519.0
1,172.0 4,817.0 6,851.0 5,191.0 3,844.0
-66.0 257.0 1,590.0 942.0 822.0
1,266.0 4,556.0 5,258.0 4,249.0 3,022.0
15,956.0 16,768.0 16,187.0 13,693.0 12,421.0
n.a. n.a. 1,740.0 1,190.0 986.0
9.40 8.60 8.80 n.a. n.a.

8.60 8.10 8.20 n.a. n.a.
33,400.0 29,700.0 23,100.0 n.a. n.a.
39,000.0 28,000.0 21,600.0 n.a. n.a.
n.a. -112.0 -54.0 -90.0 15.0
31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
37,067.0 34,946.0 24,810.0 19,374.0 21,793.0

10,039.0 9,174.0 21,808.0 21,399.0 2,191.0
975.0 899.0 503.0 392.0 0.0
48,081.0 45,019.0 47,121.0 41,165.0 23,984.0
23,509.0 24,556.0 14,833.0 14,340.0 17,301.0

11,484.0 11,656.0 22,134.0 17,498.0 3,730.0
34,993.0 36,212.0 36,967.0 31,838.0 21,031.0
13,088.0 8,807.0 10,154.0 9,327.0 2,953.0
n.a. n.a. n.a. 0.0 4,567.0

-1,443.0 2,964.0 1,402.0 1,713.0 0.0
-8,162.0 4,827.0 5,799.0 5,033.0 0.0
n.a. n.a. n.a. n.a. 2,410.0

4,398.0 4,681.0 3,805.0 3,509.0 2,490.0
8,075.0 -4,511.0 -4,973.0 -5,889.0 1.0
2,868.0 7,961.0 6,033.0 4,366.0 9,468.0
7,119.0 7,306.0 5,890.0 5,061.0 4,735.0
5,616.0 5,473.0 4,530.0 4,134.0 3,870.0
12,735.0 12,779.0 10,420.0 9,195.0 8,605.0
868.0 1,269.0 1,671.0 1,490.0 1,158.0

4,089.0 5,258.0 7,438.0 5,988.0 4,974.0
3,065.0 1,836.0 547.0 614.0 611.0
1,024.0 3,422.0 6,891.0 5,374.0 4,363.0

280.0 79.0 63.0 305.0 606.0
428.0 1,474.0 23.0 122.0 87.0
1,172.0 4,817.0 6,851.0 5,191.0 3,844.0
-66.0 257.0 1,590.0 942.0 822.0
28.0 -4.0 -3.0 n.a. n.a.
1,266.0 4,556.0 5,258.0 4,249.0 3,022.0
-3,822.0 -319.0 551.0 1,963.0 n.a.

-104.0 -70.0 -233.0 213.0 n.a.
n.a. n.a. n.a. 53.0 -53.0
-2,660.0 4,167.0 5,576.0 6,478.0 2,969.0
242.0 512.0 398.0 358.0 298.0
1,024.0 4,044.0 4,860.0 3,891.0 2,724.0
n.a. n.a. 1,740.0 1,190.0 986.0


356,388.0 309,165.0 254,116.0 193,412.0 169,956.0
9,415.0 8,572.0 7,622.0 7,264.0 5,718.0
346,973.0 300,593.0 246,494.0 186,148.0 164,238.0
356,388.0 309,165.0 254,116.0 193,412.0 169,956.0
382,776.0 345,471.0 304,906.0 269,332.0 284,288.0

633,205.0 500,690.0 469,681.0 390,118.0 0.0
12,945.0 10,622.0 3,834.0 4,947.0 0.0
117,719.0 125,893.0 119,711.0 93,684.0 0.0
18,550.0 20,719.0 17,660.0 19,769.0 0.0
21,161.0 14,440.0 17,248.0 15,491.0 13,938.0
803,580.0 672,364.0 628,134.0 524,009.0 13,938.0
71,797.0 61,344.0 68,490.0 70,034.0 0.0
2,629.0 2,779.0 2,971.0 3,278.0 0.0
n.a. n.a. n.a. 0.0 137,888.0
1,582.0 196.0 677.0 0.0 138,691.0
1,537,540.0 1,321,403.0 1,183,182.0 982,767.0 739,043.0
1,702.0 1,479.0 1,184.0 595.0 758.0

4,675.0 4,573.0 3,931.0 2,460.0 2,552.0
19,614.0 18,629.0 15,943.0 14,110.0 13,323.0
1,412.0 1,170.0 811.0 511.0 523.0
1,167.0 1,327.0 607.0 116.0 0.0
4,178.0 2,385.0 1,042.0 6,503.0 2,207.0
82,932.0 63,257.0 53,833.0 54,381.0 58,996.0
1,653,220.0 1,414,223.0 1,260,533.0 1,061,443.0 817,402.0
220,255.0 187,969.0 150,550.0 119,193.0 115,107.0
194,639.0 197,990.0 199,145.0 197,718.0 188,519.0
414,894.0 385,959.0 349,695.0 316,911.0 303,626.0
181,011.0 180,525.0 140,669.0 120,036.0 145,134.0
595,905.0 566,484.0 490,364.0 436,947.0 448,760.0
682,983.0 508,613.0 458,338.0 340,567.0 99,818.0

34,871.0 22,477.0 24,054.0 20,809.0 18,164.0
717,854.0 531,090.0 482,392.0 361,376.0 117,982.0
16,327.0 11,493.0 4,244.0 5,607.0 0.0
1,330,086.0 1,109,067.0 977,000.0 803,930.0 566,742.0

5,211.0 4,957.0 4,154.0 4,291.0 n.a.
1,298.0 1,837.0 1,195.0 780.0 0.0
142.0 266.0 226.0 5,822.0 1,564.0
2,109.0 2,178.0 2,878.0 5,002.0 3,135.0
1,506.0 97.0 655.0 n.a. n.a.
194,861.0 198,166.0 186,154.0 162,482.0 135,580.0
70,671.0 51,181.0 49,182.0 44,228.0 80,301.0
1,605,884.0 1,367,749.0 1,221,444.0 1,026,535.0 787,322.0
43,128.0 38,604.0 31,736.0 28,537.0 26,275.0

5,605.0 5,783.0 4,770.0 4,226.0 3,858.0
-1,627.0 2,195.0 2,514.0 1,963.0 n.a.
230.0 -108.0 69.0 182.0 -53.0
47,336.0 46,474.0 39,089.0 34,908.0 30,080.0

1,653,220.0 1,414,223.0 1,260,533.0 1,061,443.0 817,402.0
11.17 12.24 11.26 10.66 n.a.

5.90 6.68 4.50 4.62 n.a.
3.44 3.56 4.34 4.78 n.a.

2.94 3.45 4.15 4.65 n.a.
0.94 0.70 0.94 1.08 n.a.

0.72 0.55 0.89 1.01 n.a.
0.94 0.70 0.94 1.08 n.a.
17.97 47.48 37.27 31.88 76.23

79.81 76.21 64.37 67.15 69.28
0.84 0.94 0.89 0.98 n.a.
9.07 11.88 20.19 18.43 n.a.
0.27 0.39 0.64 0.64 n.a.
74.96 34.92 7.35 10.25 12.28
2.27 7.73 18.71 16.54 n.a.

0.07 0.25 0.59 0.57 n.a.
-5.63 5.34 23.21 18.15 21.38
2.81 10.29 14.27 13.08 n.a.

0.08 0.34 0.45 0.45 n.a.
-5.90 9.41 15.14 19.94 n.a.
-0.18 0.31 0.48 0.69 n.a.


1.36 1.74 1.71 1.32 1.75
8.60 8.10 8.20 n.a. n.a.
9.40 8.60 8.80 n.a. n.a.
2.86 3.29 3.10 3.29 3.68
n.a. n.a. 33.09 28.01 32.63
n.a. n.a. 31.21 18.37 33.21

2.67 9.80 9.00 8.76 6.77
16.90 12.19 18.76 29.86 n.a.

15.27 21.66 31.39 13.80 n.a.
2.64 2.77 3.00 3.76 3.36
0.92 0.64 0.25 0.34 n.a.

n.a. -0.04 -0.02 -0.05 n.a.
85.90 80.10 72.67 61.03 55.98

211.47 191.37 216.75 224.38 195.88
31.58 35.16 35.95 39.70 53.57
102,640.0 100,463.0 116,429.0 72,585.0 65,854.0

145,133.0 158,915.0 237,649.0 133,896.0 100,307.0

8,898.0 12,417.0 7,738.0 8,996.0 4,793.0
1,909,891.0 1,686,018.0 1,622,349.0 1,276,920.0 988,356.0
331,885.0 285,574.3 220,273.3 181,684.0 n.a.

1,399,287.7 1,262,954.3 1,085,208.0 860,905.0 n.a.
1,510,755.0 1,355,535.3 1,166,542.0 939,422.5 n.a.
1,191,508.0 1,048,888.7 891,351.7 685,336.0 n.a.
39,667.7 36,230.7 30,115.7 27,406.0 n.a.
45,064.3 44,259.3 36,838.7 32,494.0 n.a.
398,422.3 367,623.7 329,975.7 310,268.5 n.a.







34,871.0 22,477.0 24,054.0 20,809.0 18,164.0
1,266.0 4,556.0 5,258.0 4,249.0 3,022.0

47,336.0 46,474.0 39,089.0 34,908.0 30,080.0


47,336.0 46,474.0 39,089.0 34,908.0 30,080.0

19,614.0 18,629.0 15,943.0 14,110.0 13,323.0
1,412.0 1,170.0 811.0 511.0 523.0
4,178.0 2,385.0 1,042.0 6,503.0 2,207.0


37,067.0 34,946.0 24,810.0 19,374.0 21,793.0

23,509.0 24,556.0 14,833.0 14,340.0 17,301.0




100,605.0 86,664.0 98,570.0 57,683.0 0.0

16,961.0 39,123.0 21,117.0 34,377.0 0.0
153.0 106.0 24.0 1,624.0 0.0
117,719.0 125,893.0 119,711.0 93,684.0 0.0
1,629.0 1,100.0 999.0 318.0 0.0
16,921.0 19,619.0 16,661.0 19,451.0 0.0

18,550.0 20,719.0 17,660.0 19,769.0 0.0
16,921.0 19,619.0 16,661.0 19,451.0 0.0
17,114.0 39,229.0 21,141.0 36,001.0 0.0
n.a. 83.0 134.0 102.0 127.0

n.a. 195.0 188.0 192.0 112.0
n.a. -112.0 -54.0 -90.0 15.0



42,668.0 35,152.0 27,506.0 25,264.0 26,833.0

1,024.0 4,044.0 4,860.0 3,891.0 0.0

564.0 592.0 630.0 618.0 558.0
5,605.0 5,783.0 4,770.0 4,226.0 3,858.0
41,731.0 40,691.0 34,319.0 30,682.0 26,222.0
43,128.0 38,604.0 31,736.0 28,537.0 26,275.0
-1,627.0 2,195.0 2,514.0 1,963.0 n.a.
n.a. n.a. n.a. n.a. -53.0
-1,627.0 2,195.0 2,514.0 1,963.0 -53.0
424.0 -18.0 89.0 -31.0 n.a.
-1,203.0 2,177.0 2,603.0 1,932.0 -53.0
-1,203.0 2,177.0 2,603.0 1,932.0 -53.0
47,336.0 46,474.0 39,089.0 34,908.0 30,080.0

n.a. n.a. 1,740.0 1,190.0 986.0
n.a. n.a. 1,740.0 1,190.0 986.0
4,178.0 2,385.0 1,042.0 6,503.0 2,207.0

39,000.0 28,000.0 21,600.0 n.a. n.a.

33,400.0 29,700.0 23,100.0 n.a. n.a.
8.60 8.10 8.20 n.a. n.a.
9.40 8.60 8.80 n.a. n.a.


n.a. 15.1 18.2 n.a. n.a.
803,580.0 672,364.0 628,134.0 524,009.0 13,938.0

803,580.0 672,364.0 628,134.0 524,009.0 13,938.0


88,933 86,866 77,063 62,112 62,001

8.60 8.10 8.20 n.a. n.a.
9.40 8.60 8.80 n.a. n.a.
48,077.0 17,959.0 5,010.0 6,126.0 22,827.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.64 2.77 3.00 3.76 3.36

23.42 20.85 5.39 6.58 20.69
n.a. -0.04 -0.02 -0.05 0.01
n.a. -1.75 -0.93 -1.85 0.41
8.60 8.10 8.20 n.a. n.a.

9.40 8.60 8.80 n.a. n.a.
2.86 3.29 3.10 3.29 3.68
13.64 15.46 15.86 18.75 18.32
7.94 8.20 7.97 7.99 6.70
3.01 3.46 3.27 3.47 3.91
4.97 4.88 5.01 5.25 5.90
23.69 22.94 25.62 29.93 29.37
13.80 12.17 12.88 12.75 10.75
5.23 5.13 5.27 5.54 6.27
42.42 32.60 38.09 37.35 37.65
0.92 0.70 0.94 1.08 0.40

0.85 0.66 0.88 0.99 0.36
0.24 0.69 0.66 0.62 1.30
1.03 1.09 0.95 1.04 1.13
0.07 0.26 0.59 0.57 0.53
0.01 0.09 -0.14 -0.12 -0.16
0.08 0.34 0.45 0.45 0.37
2.70 10.65 14.21 13.08 10.05
n.a. n.a. 33.09 28.01 32.63
n.a. n.a. 9.51 9.41 6.77
11.69 30.62 -0.76 -4.31 -17.17
75.70 70.85 58.35 60.56 63.37
0.27 0.39 0.64 0.64 0.61
211.47 191.37 216.75 224.38 195.88

20.99 21.26 19.56 17.54 20.09
58.23 53.06 50.27 42.60 36.60
26.79 27.66 25.87 23.77 29.94
170.78 149.63 158.20 151.06 63.52
78.57 78.01 81.41 84.28 51.96
2005
22.85
22.41
20.97
20.01
21.07
20.96
22.61
21.60
24.40
24.45
25.69
26.61
Bank information
No of
employees
n.a.
87,451
Op.
Date of Vari-
info. ation
Op.
Vari- No of
Revenue
ation employees
(mil USD)*
12/2011 ð n.a. n.a.
12/2011 ö n.a. n.a.

12/2011 ð n.a. n.a.
07/2012 ð -53.0 n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
07/2012 ð n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
07/2012 ð n.a. n.a.
12/2011 ð 74.0 273.0
07/2012 ð n.a. n.a.

07/2012 ö 16.0 332.0
07/2012 ð 14.0 288.0
07/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.

07/2012 ð 38.0 108.0
07/2012 - n.a. n.a.
12/2011 ð 72.0 963.0
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
07/2012 ð 13.0 n.a.
07/2012 ð 619.0 n.a.
07/2012 ð n.a. n.a.

12/2011 ð n.a. n.a.
07/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
07/2012 ð 15.0 n.a.
12/2011 ð 1.0 7.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
07/2012 ð 2.0 n.a.
12/2011 ö n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
07/2012 ð 4.0 n.a.

12/2011 ð <0,5 n.a.
07/2012 ð 26.0 72.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

07/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
07/2012 ð n.a. n.a.
07/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
07/2012 ð n.a. n.a.
12/2011 ð 1.0 3.0
12/2011 - n.a. n.a.
12/2011 ö n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð <0,5 n.a.
12/2011 ð <0,5 n.a.
12/2011 ð n.a. n.a.
07/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

BPCE SA

Status Active
Contact details
50 AVENUE PIERRE MENDES FRANCE Web Site Address www.bpce.fr
75013 PARIS
FRANCE
Formerly known as BPCE

Bank History :
Established on July 31, 2009. BPCE was created by the bringing together between Banques Populaires and Caisses
d'Epargne. On January 1, 2010, BPCE absorbed Banque Populaires Participations and Caisses d'Epargne Participations to
became BPCE SA.
Accounting Standards International Financial Nickname BPCE
available

No of recorded 37
No of recorded 1,977 World rank, rolling 30
subsidiaries
Peer Group
Size 1,761
information.
information.
Global summary

Original Original Original Proforma
31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 245,247.0 260,415.0 118,658.0 127,487.0
Gross Loans 249,655.0 265,031.0 122,618.0 127,487.0
Less: Reserves for Impaired Loans/ NPLs 4,408.0 4,616.0 3,960.0 n.a.
Derivatives 132,724.0 93,250.0 100,286.0 778.0
Remaining earning assets 1,439.0 1,346.0 943.0 1,056.0
Fixed Assets 1,301.0 1,177.0 849.0 933.0
Total Assets 795,728.0 741,417.0 603,848.0 690,403.0

Other Deposits and Short-term Borrowings n.a. 33,406.0 31,778.0 n.a.
Derivatives 126,047.0 88,585.0 101,602.0 97,259.0
Trading Liabilities 4,424.0 5,209.0 7,205.0 n.a.
Other Reserves 2,026.0 1,993.0 1,803.0 1,678.0
Equity 27,695.0 31,069.0 28,470.0 19,359.0
Notes
Impaired Loans (Memo) 9,031.0 9,013.0 6,760.0 n.a.
Loan Loss Reserves (Memo) 4,408.0 4,616.0 3,960.0 n.a.
Off Balance Sheet Items 363,877.0 312,099.0 281,627.0 n.a.
Hybrid Capital (Memo) n.a. n.a. n.a. n.a.

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Assets at FV through Income 1,130.0 2,354.0 -271.0 -2,446.0
Statement
Remaining Operating Income 1,482.0 635.0 -308.0 1,450.0
Overheads 6,594.0 6,908.0 5,682.0 5,942.0
Loan Loss Provisions 419.0 515.0 2,174.0 1,884.0
Other -918.0 585.0 -393.0 643.0
Profit before Tax 1,179.0 2,429.0 -1,748.0 -3,171.0
Tax 344.0 413.0 -1,185.0 -606.0
Net Income 835.0 2,016.0 -563.0 -2,565.0

Total Capital 25,122.0 27,349.0 18,989.0 n.a.
Tier 1 Capital 22,185.0 22,538.0 15,456.0 n.a.

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement
Interest Income on Loans 7,891.0 7,022.0 3,100.0 n.a.

Interest Expense on Customer Deposits 874.0 596.0 519.0 n.a.

Net Gains (Losses) on Other Securities 138.0 -213.0 -297.0 -340.0
Net Gains (Losses) on Assets at FV through Income 1,130.0 2,354.0 -271.0 -2,446.0
Statement
Other Operating Income 1,344.0 848.0 -11.0 1,790.0
Personnel Expenses 3,818.0 3,973.0 3,151.0 n.a.

Pre-Impairment Operating Profit 2,516.0 2,359.0 819.0 -1,930.0
Loan Impairment Charge 419.0 515.0 2,174.0 1,884.0
Securities and Other Credit Impairment Charges 1,252.0 11.0 614.0 n.a.
Operating Profit 845.0 1,833.0 -1,969.0 -3,814.0

Pre-tax Profit 1,179.0 2,429.0 -1,748.0 -3,171.0
Tax expense 344.0 413.0 -1,185.0 -606.0
Net Income 835.0 2,016.0 -563.0 -2,565.0
Change in Value of AFS Investments -767.0 -447.0 703.0 n.a.

Currency Translation Differences 167.0 268.0 42.0 n.a.
Fitch Comprehensive Income 413.0 1,837.0 182.0 -2,565.0
Memo: Profit Allocation to Non-controlling Interests 433.0 451.0 494.0 -769.0
Memo: Net Income after Allocation to Non- 402.0 1,565.0 -1,057.0 -1,796.0
Balance Sheet
Assets
Loans
Other Loans 249,655.0 265,031.0 122,618.0 127,487.0
Less: Reserves for Impaired Loans/ NPLs 4,408.0 4,616.0 3,960.0 n.a.
Net Loans 245,247.0 260,415.0 118,658.0 127,487.0
Gross Loans 249,655.0 265,031.0 122,618.0 127,487.0
Memo: Impaired Loans included above 9,031.0 9,013.0 6,760.0 n.a.
Derivatives 132,724.0 93,250.0 100,286.0 778.0
Other Securities n.a. n.a. n.a. 925.0
Investments in Property 1,439.0 1,303.0 943.0 1,056.0
Other Earning Assets n.a. 43.0 n.a. n.a.
Non-earning Assets
Fixed Assets 1,301.0 1,177.0 849.0 933.0
Goodwill 2,948.0 3,624.0 3,279.0 3,787.0
Other Intangibles 914.0 1,491.0 803.0 803.0
Current Tax Assets 1,119.0 879.0 344.0 408.0
Other Assets 41,701.0 34,387.0 35,833.0 30,860.0
Total Assets 795,728.0 741,417.0 603,848.0 690,403.0
Customer Deposits - Current 28,748.0 32,073.0 19,965.0 n.a.
Customer Deposits - Savings 2,645.0 2,603.0 2,627.0 n.a.
Repos and Cash Collateral 88,272.0 n.a. n.a. n.a.
Other Deposits and Short-term Borrowings n.a. 33,406.0 31,778.0 n.a.
Funding
Derivatives 126,047.0 88,585.0 101,602.0 97,259.0
Trading Liabilities 4,424.0 5,209.0 7,205.0 n.a.
Total Funding 689,173.0 637,325.0 512,029.0 602,774.0
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as n.a. 1,200.0 3,000.0 n.a.
Equity
Equity
Common Equity 22,157.0 24,129.0 20,226.0 14,263.0
Securities Revaluation Reserves -704.0 -201.0 111.0 n.a.
Foreign Exchange Revaluation Reserves 118.0 18.0 -170.0 n.a.
OCI
Total Equity 27,695.0 29,869.0 25,470.0 19,359.0
Memo: Fitch Core Capital 20,293.0 n.a. n.a. n.a.
Memo: Fitch Eligible Capital 20,293.0 n.a. n.a. n.a.
Summary Analytics
Interest Ratios
Interest Income on Loans/ Average Gross Loans% 3.07 3.62 2.48 n.a.
Interest Expense on Customer Deposits/ Average 1.26 0.89 0.83 n.a.
Customer Deposits%
Interest Income/ Average Earning Assets% 2.67 2.70 2.34 n.a.
Interest Expense/ Average Interest-bearing 2.26 2.29 1.65 n.a.
Liabilities%
Net Interest Income/ Average Earning Assets% 0.54 0.56 0.79 n.a.
Net Int. Inc Less Loan Impairment Charges/ Av. 0.48 0.47 0.43 n.a.
Earning Assets%
Net Interest Inc Less Preferred Stock Dividend/ 0.54 0.56 0.79 n.a.
Non-Interest Expense/ Average Assets% 0.86 1.03 0.88 n.a.
Pre-impairment Op. Profit/ Average Equity% 8.74 8.53 3.65 n.a.
Pre-impairment Op. Profit/ Average Total Assets% 0.33 0.35 0.13 n.a.
Operating Profit/ Average Equity% 2.94 6.62 -8.78 n.a.
Operating Profit/ Average Total Assets% 0.11 0.27 -0.30 n.a.
Pre-Impairment Operating Profit / Risk Weighted n.a. n.a. n.a. n.a.
Assets%
Operating Profit / Risk Weighted Assets% n.a. n.a. n.a. n.a.
Net Income/ Average Total Equity% 2.90 7.29 -2.51 n.a.
Net Income/ Average Total Assets% 0.11 0.30 -0.09 n.a.
Fitch Comprehensive Income/ Average Total Equity 1.43 6.64 0.81 n.a.
%
Fitch Comprehensive Income/ Average Total Assets 0.05 0.27 0.03 n.a.
%
Securitized Assets%
Net Income/ Risk Weighted Assets% n.a. n.a. n.a. n.a.
Fitch Comprehensive Income/ Risk Weighted Assets n.a. n.a. n.a. n.a.
%
Capitalization
Fitch Core Capital/Weighted Risks% n.a. n.a. n.a. n.a.
Fitch Eligible Capital/ Weighted Risks% n.a. n.a. n.a. n.a.
Cash Dividends Paid & Declared/ Net Income% 12.46 5.21 -0.89 n.a.
Cash Dividend Paid & Declared/ Fitch Comprehensive 25.18 5.72 2.75 n.a.
Income%
Net Income - Cash Dividends/ Total Equity% 2.64 6.40 -2.23 -13.25
Loan Quality
Growth of Total Assets% 7.33 22.78 -12.54 n.a.
Growth of Gross Loans% -5.80 116.14 -3.82 n.a.
Impaired Loans(NPLs)/ Gross Loans% 3.62 3.40 5.51 n.a.
Reserves for Impaired Loans/ Gross loans% 1.77 1.74 3.23 n.a.
Reserves for Impaired Loans/ Impaired Loans% 48.81 51.21 58.58 n.a.
Impaired Loans less Reserves for Imp Loans/ Equity 16.69 14.72 10.99 n.a.
%
Loan Impairment Charges/ Average Gross Loans% 0.16 0.27 1.74 n.a.
Impaired Loans + Foreclosed Assets/ Gross Loans + 3.62 3.40 5.51 n.a.
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 255,045.0 205,923.0 203,043.0 n.a.

balance sheet
Other Contingent Liabilities 47,858.0 48,634.0 37,902.0 n.a.
Total Business Volume 1,159,605.0 1,053,516.0 885,475.0 690,403.0
Memo: Total Weighted Risks n.a. n.a. n.a. n.a.
Fitch Adjusted Weighted Risks n.a. n.a. n.a. n.a.
Average Loans 257,343.0 193,824.5 125,052.5 n.a.
Average Earning Assets 704,394.0 613,277.5 593,640.0 n.a.
Average Assets 768,572.5 672,632.5 647,125.5 n.a.
Average Interest-Bearing Liabilities 663,249.0 574,677.0 557,401.5 n.a.
Average Common equity 23,143.0 22,177.5 17,244.5 n.a.
Average Equity 28,782.0 27,669.5 22,414.5 n.a.
Average Customer Deposits 69,329.0 66,763.0 62,214.5 n.a.
Maturities
Loans & Advances < 3 months n.a. n.a. 34,099.0 n.a.
Loans & Advances 3 - 12 Months n.a. n.a. 10,458.0 n.a.
Loans and Advances 1 - 5 Years n.a. n.a. 42,670.0 n.a.
Loans & Advances > 5 years n.a. n.a. 31,431.0 n.a.

Interbank < 3 Months n.a. n.a. 52,124.0 n.a.

Interbank 3 - 12 Months n.a. n.a. 40,831.0 n.a.
Interbank 1 - 5 Years n.a. n.a. 50,621.0 n.a.
Interbank > 5 Years n.a. n.a. 47,621.0 n.a.
Retail Deposits < 3 months n.a. n.a. 44,508.0 n.a.

Retail Deposits 3 - 12 Months n.a. n.a. 4,052.0 n.a.
Retail Deposits 1 - 5 Years n.a. n.a. 6,120.0 n.a.
Retail Deposits > 5 Years n.a. n.a. 1,400.0 n.a.

Interbank < 3 Months n.a. n.a. 55,891.0 n.a.

Interbank 3 - 12 Months n.a. n.a. 53,339.0 n.a.
Interbank 1 - 5 Years n.a. n.a. 24,027.0 n.a.
Interbank > 5 Years n.a. n.a. 18,152.0 n.a.

Net Income 835.0 2,016.0 -563.0 -2,565.0
Published Net Income 835.0 2,016.0 -563.0 n.a.
Equity 27,695.0 29,869.0 25,470.0 19,359.0
Add: Pref. Shares and Hybrid Capital accounted for n.a. 1,200.0 3,000.0 n.a.
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on 0.0 n.a. n.a. n.a.
the B/S- CC only
Non-loss-absorbing non-controlling interests 0.0 n.a. n.a. n.a.
Goodwill 2,948.0 3,624.0 3,279.0 3,787.0
Other intangibles 914.0 1,491.0 803.0 803.0
Net asset value of insurance subsidiaries 0.0 n.a. n.a. n.a.
First loss tranches of off-balance sheet 0.0 n.a. n.a. n.a.
securitizations
Fitch Core Capital 20,293.0 n.a. n.a. n.a.
Eligible weighted Hybrid capital 0.0 n.a. n.a. n.a.
Government held Hybrid Capital 0.0 n.a. n.a. n.a.
Fitch Eligible Capital 20,293.0 n.a. n.a. n.a.
Eligible Hybrid Capital Limit 8,697.0 n.a. n.a. n.a.
Total Interest Income on Loans 7,891.0 7,022.0 3,100.0 n.a.

Total Interest Expense on Customer Deposits 874.0 596.0 519.0 n.a.
Borrowing
Securities
breakdown)
Statement - Banks
Income Statement
Statement
breakdown)
Total AFS Assets 51,335.0 41,374.0 39,637.0 37,723.0

Asset Quality Data

Net Charge-offs
Reserves
Collective/General Loan Impairment Reserves 859.0 1,087.0 1,191.0 n.a.
Doubtful Loans 9,031.0 9,013.0 6,760.0 n.a.

Restructured Loans n.a. n.a. 170.0 n.a.
Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 21,661.0 23,358.0 21,989.0 n.a.

Retained Earnings 343.0 -537.0 -1,336.0 n.a.
Profit/Loss Reserve/Income for the period net of 402.0 1,460.0 -69.0 n.a.
dividends
Valuation Reserves for AFS Securities in OCI Total -704.0 -201.0 111.0 n.a.
Valuation Reserves for FX in OCI 118.0 18.0 -170.0 n.a.
Total Valuation Reserves in OCI -586.0 -183.0 -59.0 n.a.
Cash Flow Hedge Reserve -249.0 -258.0 -358.0 n.a.
Total OCI Reserves -835.0 -441.0 -417.0 n.a.
Total Other Equity Reserves -835.0 -441.0 -417.0 n.a.
Hybrid Securities Reported in Equity n.a. 1,200.0 3,000.0 n.a.
Interests
absorbing

Total Dividends Related to Period 104.0 -105.0 5.0 n.a.
Deferred Tax Assets to be Deducted from Core 3,540.0 3,855.0 3,691.0 n.a.
Capital
Weighted Total of Fitch Hybrid Capital Classes 0.0 n.a. n.a. n.a.
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) 0.0 n.a. n.a. n.a.
Regulatory Tier 1 Capital 22,185.0 22,538.0 15,456.0 n.a.
Total Regulatory Capital 25,122.0 27,349.0 18,989.0 n.a.
Risk Weighted Assets including floor/cap per Basel II n.a. n.a. n.a. n.a.

II
Capital
deposits
banks

loans

Regulatory Tier I Capital Ratio% n.a. n.a. n.a. n.a.
Regulatory Total Capital Ratio% n.a. n.a. n.a. n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Loan Loss Res / Gross Loans 1.77 1.74 3.23 n.a.
Loan Loss Res / Impaired Loans 48.81 51.22 58.58 n.a.
Impaired Loans / Gross Loans 3.62 3.40 5.51 n.a.
Impaired Loans / Equity 32.61 29.01 23.74 n.a.
Capital
Equity / Net Loans 11.29 11.93 23.99 15.19
Operations
Non Op Items & Taxes / Avg Ast -0.16 0.03 0.12 0.18
Dividend Pay-Out 12.46 5.21 -0.89 n.a.
Inc Net Of Dist / Avg Equity 2.49 6.42 -2.38 n.a.
Non Op Items / Net Income -109.94 29.02 69.81 -25.07
Liquidity
Interbank Ratio 66.55 118.99 126.28 110.55

Date News
1 16/04/2012 Banque Centrale Populaire may hold an additional private
placement (deal no. 1601361822)
2 13/04/2012 BPCE to acquire stake in Natixis Financement (deal no.
1601361180)
no. 1601262614)
4 06/02/2012 Plebac in management buy-out (deal no. 1601346247)
5 26/07/2011 BPCE sells Foncia stake to Bridgepoint and Eurazeo (deal no.
1601162609)
6 10/05/2011 Foncia deal is imminent, would-be buyer says (deal no.
1601162609)
7 22/09/2010 BPCE completes SMC sale (deal no. 1601162055)
8 05/08/2010 BPCE to absorb Caisse d'Epargne Partications and Banques
Populaires Participations (deal no. 1601392451)
9 15/06/2010 Crédit du Nord bids for SMC (deal no. 1601162055)
10 25/03/2010 QIB and BPCE plan joint venture (deal no. 1601172650)
11 25/03/2010 BPCE may be eying ÖVAG's stake in Volksbank International
(deal no. 1601173081)
12 04/03/2010 BPCE plans investment portfolio sale (deal no. 1601167469)
13 25/02/2010 BPCE pursues small takeover opportunities (deal no.
1601163400)
14 30/09/2009 Groupe BPCE to acquire Natixis Algérie (deal no. 1601105733)
Source : Zephyr
Boards & committees

1. Mr. François Pérol - President BoD FT
P052853716 - Chairman of the Executive Board ExeB SC, VI
2. Mr. Guy Cotret - Directeur BoD FT

P039036278
3. Mr. Yvan de La Porte du Theil - Directeur BoD FT
P039796859
4. Mr. Nicolas Duhamel - Directeur BoD FT
P039812318
5. Mr. Alain Jean Pierre Lemaire - Directeur BoD FT
P011105730
6. Mr. Laurent Mignon - Directeur; Non-voting member of BoD FT, VI
P038922704 the board (Permanent
representative for Natixis)
7. Mr. Philippe Queuille - Directeur BoD FT
P051735174
8. Mr. François Riahi - Directeur BoD FT
P011534177
9. Mr. Jean-Luc Vergne - Directeur BoD FT
P060259935
10. Mr. Yves Toublanc - Chairman of the Supervisory SupB FT, SC
P039816581 board
11. Mrs. Catherine Amin-Garde - Membre du Conseil de SupB FT
P119693925 Surveillance
12. Mr. Gérard Bellemon - Membre du Conseil de SupB FT
13. Mr. Thierry Cahn - Membre du Conseil de SupB FT
14. Mr. Bernard Comolet - Membre du Conseil de SupB FT
15. Mr. Alain Condaminas - Member of the supervisory board SupB SC
P051551175
16. Mr. Jean Criton - Member of the Supervisory Board SupB FT, VI
P069611320
17. Mr. Laurence Miriel Danon - Member of the Supervisory Board SupB FT, VI
P003236646
18. Mr. Hervé de Villeroché - Membre du Conseil de SupB FT
19. Mr. Pierre Desvergnes - Membre du Conseil de SupB FT
20. Mr. Philippe Dupont - Member of the supervisory board SupB FT, SC
P039374340
21. Mr. Ramon Fernandez - Membre du Conseil de SupB FT
22. Mr. Stève Gentili - Member of the supervisory board SupB FT, SC
P039796858
23. Mrs. Catherine Halberstadt - Member of the supervisory board SupB SC
P039829014
24. Mr. Francis Henry - Membre du Conseil de SupB FT
25. Mr. Bernard Jeannin - Member of the Supervisory Board SupB FT, VI
P039797591
26. Mr. Marwan Lahoud - Member of the Supervisory Board SupB FT, VI
P019067665
27. Mr. Pierre Mackiewicz - Membre du Conseil de SupB FT
28. Mr. Didier Patault - Member, Supervisory Board SupB FT, VI
P039810944
29. Mr. Pierre-Emmanuel Valentin - Membre du Conseil de SupB FT
30. Mrs. Anne-Marie Mercier-Gallay - Member of the executive board ExeB SC
P080169761
Management & staff

1. Mr. Yves Messarovitch - Vice president communication OthDep SC
P020156324
Ownership Source


1. ACTIFS IMMOBILIERS D'EXPLOITATION FR 100.00 100.00 1 UO+ RM 12/2011
2. BATIMUR FR 100.00 100.00 1 UO+ RM 12/2011
3. BEAULIEU IMMOBILIER FR 100.00 100.00 1 UO+ IP 08/2012
4. BPCE DOMAINES FR 100.00 100.00 1 UO+ IP 08/2012
5. BPCE HOME LOANS FR 100.00 100.00 1 UO+ RM 12/2011
6. BPCE INTERNATIONAL ET OUTRE MER FR 100.00 100.00 1 UO+ IP 08/2012
7. BPCE SFH FR 100.00 100.00 1 UO+ IP 08/2012
8. BRED CHINA LTD CN 100.00 100.00 1 UO+ RM 12/2011
9. CAISSE REGIONALE CREDIT MARITIME FR 100.00 100.00 1 UO+ RM 12/2011
REGION NORD
10. CAISSE REGIONALE CREDIT MUTUEL SUD FR 100.00 100.00 1 UO+ RM 12/2011
OUEST
11. CAPITOLE FINANCE FR 100.00 100.00 1 UO+ RM 12/2011
12. CFG COMPAGNIE FINANCIERE DE FR 100.00 100.00 1 UO+ RM 12/2011
GARANTIE
13. CRÉDIT FONCIER DE FRANCE FR 100.00 100.00 1 UO+ IP 08/2012
14. CSF-GCE FR 100.00 100.00 1 UO+ IP 08/2012
15. ENVIRONNEMENT TITRISATION ENTENIAL FR 100.00 100.00 1 UO+ RM 12/2011
16. FCC AMAREN II FR 100.00 100.00 1 UO+ RM 12/2011

17. FCPR FIDEPPP FR 100.00 100.00 1 UO+ RM 12/2011
18. GCE AVI 007 FR 100.00 100.00 1 UO+ IP 08/2012
19. GCE CAPITAL FR 100.00 100.00 1 UO+ IP 08/2012
20. GCE ECLAIR 07 FR 100.00 100.00 1 UO+ IP 08/2012
21. GCE FX 007 FR 100.00 100.00 1 UO+ IP 08/2012
22. GCE IDA 007 FR 100.00 100.00 1 UO+ IP 08/2012
23. GCE PARTICIPATIONS FR 100.00 100.00 1 UO+ IP 08/2012
24. GIE USC FR 100.00 100.00 1 UO+ RM 12/2011
25. GROUPE CAISSE D'EPARGNE FR 100.00 100.00 1 UO+ RM 12/2011
26. GROUPEMENT DE FAIT FR 100.00 100.00 1 UO+ RM 12/2011
27. HOLASSURE FR 100.00 100.00 1 UO+ IP 08/2012
28. INTERCOOP FR 100.00 100.00 1 UO+ RM 12/2011
29. LFI4 FR 100.00 100.00 1 UO+ RM 12/2011
30. LOTUS 2 FR 100.00 100.00 1 UO+ IP 08/2012
31. LOTUS 3 FR 100.00 100.00 1 UO+ IP 08/2012
32. LUX EQUIP BAIL LU 100.00 100.00 1 UO+ RM 12/2011
33. MUGE 1 SAS FR 100.00 100.00 1 UO+ IP 08/2012
34. MUTUELLE RISQUES ASSUR CEF MURACEF FR 100.00 100.00 1 UO+ IP 08/2012
35. NRJ INVEST FR 100.00 100.00 1 UO+ RM 12/2011

36. OPCI IMMO EXPLOITATION FR 100.00 100.00 1 UO+ RM 12/2011
37. OTEROM HOLDING FR 100.00 100.00 1 UO+ IP 08/2012
38. S MONEY FR 100.00 100.00 1 UO+ IP 08/2012
39. SARL RESIDENCE DU GOLF DE BOUZNICA MA 100.00 100.00 1 UO+ RM 12/2011
BAY
40. SAS GCE P.AV IMMOBILIER FR 100.00 100.00 1 UO+ RM 12/2011
41. SAS PONANT 2 FR 100.00 100.00 1 UO+ IP 08/2012
42. SCI BPSO FR 100.00 100.00 1 UO+ RM 12/2011
43. SCI FONCIÈRE 1 FR 100.00 100.00 1 UO+ RM 12/2011
44. SCI PONANT PLUS FR 100.00 100.00 1 UO+ IP 08/2012
45. SCI TOURNON FR 100.00 100.00 1 UO+ RM 12/2011
46. SEPAMAIL EU FR 100.00 100.00 1 UO+ IP 08/2012
47. SIRP FR 100.00 100.00 1 UO+ RM 12/2011
48. SMI FR 100.00 100.00 1 UO+ RM 12/2011
49. SOCIETARIAT BP LOIRE ET LYONNAIS FR 100.00 100.00 1 UO+ RM 12/2011
50. SOCIETARIAT BP MASSIF CENTRAL FR 100.00 100.00 1 UO+ RM 12/2011
51. SOCOREC FR 100.00 100.00 1 UO+ RM 12/2011
52. SOFIGARD FR 100.00 100.00 1 UO+ RM 12/2011
53. SOFINDI FR 100.00 100.00 1 UO+ RM 12/2011
54. SOMUPACA FR 100.00 100.00 1 UO+ RM 12/2011
55. SOREPAR FR 100.00 100.00 1 UO+ RM 12/2011
56. SURASSUR FR 100.00 100.00 1 UO+ RM 12/2011
57. TWINS PARTICIPATIONS FR 100.00 100.00 1 UO+ IP 08/2012
58. UNIVERS INVEST (SICAR) TN 100.00 100.00 1 UO+ RM 12/2011
59. VECTEUR FR 100.00 100.00 1 UO+ RM 12/2011
60. VMG FR 100.00 100.00 1 UO+ RM 12/2011
61. CAISSE D'ÉPARGNE ET DE PRÉVOYANCE DU FR 80.00 100.00 1 UO RM 12/2011
LANGUEDOC ROUSSILLON
62. ARIES ASSURANCES FR - 100.00 1 UO RM 12/2011
63. ATLANTIQUE PLUS FR - 100.00 1 UO+ RM 12/2011
64. AURORA BE - 100.00 1 UO+ RM 12/2011
65. AUTO LOCATION TOULOUSE FR - 100.00 1 UO+ RM 12/2011
66. BANQUE CHAIX FR - 100.00 1 UO+ RM 12/2011
67. BANQUE DE SAVOIE FR - 100.00 1 UO+ RM 12/2011
68. BANQUE DES MASCAREIGNES MU - 100.00 1 UO+ RM 12/2011
69. BANQUE DU BÂTIMENT ET DES TRAVAUX FR - 100.00 1 UO+ RM 12/2011
PUBLICS - BTP BANQUE
70. BANQUE DUPUY, DE PARSEVAL FR - 100.00 1 UO+ RM 12/2011
71. BANQUE EDEL SNC FR - 100.00 1 UO+ RM 12/2011
72. BANQUE MARZE FR - 100.00 1 UO+ RM 12/2011
73. BANQUE MONÉTAIRE ET FINANCIÈRE BMF FR - 100.00 1 UO+ RM 12/2011
74. BANQUE POPULAIRE AQUITAINE CENTRE FR - 100.00 1 UO+ RM 12/2011

ATLANTIQUE
75. BANQUE POPULAIRE ATLANTIQUE FR - 100.00 1 UO+ RM 12/2011
76. BANQUE POPULAIRE BOURGOGNE FR - 100.00 1 UO+ RM 12/2011
FRANCHE-COMTÉ
77. BANQUE POPULAIRE D'ALSACE FR - 100.00 1 UO+ RM 12/2011
78. BANQUE POPULAIRE DE L'OUEST FR - 100.00 1 UO+ RM 12/2011
79. BANQUE POPULAIRE DE LA CÔTE D'AZUR FR - 100.00 1 UO+ RM 12/2011
80. BANQUE POPULAIRE DES ALPES FR - 100.00 1 UO+ RM 12/2011
81. BANQUE POPULAIRE DU MASSIF CENTRAL FR - 100.00 1 UO+ RM 12/2011
82. BANQUE POPULAIRE DU NORD FR - 100.00 1 UO+ RM 12/2011

83. BANQUE POPULAIRE DU SUD FR - 100.00 1 UO+ RM 12/2011
84. BANQUE POPULAIRE LOIRE ET LYONNAIS FR - 100.00 1 UO+ RM 12/2011
85. BANQUE POPULAIRE LORRAINE FR - 100.00 1 UO+ RM 12/2011

CHAMPAGNE
86. BANQUE POPULAIRE OCCITANE FR - 100.00 1 UO+ RM 12/2011
87. BANQUE POPULAIRE PROVENÇALE ET FR - 100.00 1 UO+ RM 12/2011
CORSE
88. BANQUE POPULAIRE RIVES DE PARIS FR - 100.00 1 UO+ RM 12/2011
89. BANQUE POPULAIRE VAL DE FRANCE FR - 100.00 1 UO+ RM 12/2011
90. BATILEASE INVEST (FORMERLY FR - 100.00 1 UO+ RM 12/2011
BATINOREST-BAIL)
91. BPA ATOUTS PARTICIPATIONS FR - 100.00 1 UO+ RM 12/2011
92. BPCE MAROC IMMOBILIER MA - 100.00 1 UO+ RM 12/2011
93. BRED BANQUE POPULAIRE FR - 100.00 1 UO+ RM 12/2011
94. BRED IT TH - 100.00 1 UO+ RM 12/2011
95. CAISSE D'EPARGNE ET DE PREVOYANCE FR - 100.00 1 UO+ RM 12/2011
CÔTE D'AZUR
NORD FRANCE-EUROPE
NORMANDIE
98. CAISSE D'EPARGNE ET DE PRÉVOYANCE FR - 100.00 1 UO+ RM 12/2011
BRETAGNE-PAYS DE LOIRE
99. CAISSE D'EPARGNE ET DE PRÉVOYANCE DE FR - 100.00 1 UO+ RM 12/2011
LOIRE-DRÔME-ARDÈCHE
100. CAISSE D'EPARGNE ET DE PRÉVOYANCE DE FR - 100.00 1 UO+ RM 12/2011
MIDI-PYRÉNÉES
Caisses
articipations to
ope)
ager for more
ager for more
Watch
IFRS
Audited
Proforma
31/12/2008
12 months
mil EUR
127,487.0
127,487.0
n.a.
509,499.0
154,170.0
778.0
353,495.0
1,056.0
636,986.0
933.0
52,484.0
690,403.0
207,801.0
68,349.0
139,452.0
n.a.
394,973.0
97,259.0
n.a.
297,714.0
66,592.0
n.a.
1,678.0
19,359.0
690,403.0
n.a.
n.a.
466,618.0
4,590.0
n.a.
n.a.
21,802.0
Audited
Proforma
31/12/2008
12 months
mil EUR
1,914.0
2,098.0
n.a.
-2,446.0
3,094.0
1,450.0
5,942.0
1,884.0
643.0
-3,171.0
-606.0
-2,565.0
4,012.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
Proforma
31/12/2008
12 months
mil EUR
n.a.
22,820.0
n.a.
22,820.0
n.a.
20,906.0
20,906.0
1,914.0
n.a.
-340.0
-2,446.0
n.a.
3,094.0
1,790.0
2,098.0
n.a.
5,942.0
5,942.0
n.a.
-1,930.0
1,884.0
n.a.
-3,814.0
388.0
n.a.
n.a.
n.a.
255.0
-3,171.0
-606.0
n.a.
-2,565.0
n.a.
n.a.
n.a.
n.a.
-2,565.0
-769.0
-1,796.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
127,487.0
n.a.
127,487.0
127,487.0
n.a.
n.a.
154,170.0
n.a.
298,594.0
778.0
37,723.0
6,411.0
9,842.0
925.0
354,273.0
n.a.
n.a.
1,056.0
n.a.
n.a.
636,986.0
13,854.0
n.a.
n.a.
933.0
3,787.0
803.0
408.0
2,772.0
n.a.
30,860.0
690,403.0
n.a.
n.a.
68,349.0
68,349.0
139,452.0
n.a.
n.a.
207,801.0
275,912.0
21,802.0
n.a.
297,714.0
97,259.0
n.a.
602,774.0
n.a.
n.a.
1,678.0
152.0
706.0
n.a.
n.a.
34,070.0
31,664.0
671,044.0
n.a.
n.a.
14,263.0
5,096.0
n.a.
n.a.
n.a.
19,359.0
690,403.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
52.29
148.11
n.a.
n.a.
n.a.
-97.62
n.a.
n.a.
19.11
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2.15
n.a.
n.a.
n.a.
2.80
n.a.
n.a.
n.a.
-13.25
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
186.52
110.55
13.52
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
690,403.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
21,802.0
n.a.
-2,565.0
n.a.
n.a.
19,359.0
n.a.
n.a.
n.a.
19,359.0
n.a.
n.a.
3,787.0
803.0
2,066.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
37,723.0
n.a.
n.a.
n.a.
n.a.
n.a.
6,411.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
5,096.0
14,263.0
19,359.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
19,359.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
354,273.0
n.a.
354,273.0
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
IFRS
Audited
31/12/2008
n.a.
98.43
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
2.80
15.19
9.32
2.98
5.96
32.29
19.81
6.34
52.97
0.30
0.28
0.30
1.13
-0.55
0.18
-0.37
-13.25
n.a.
n.a.
-25.07
148.11
-0.28
110.55
18.47
61.35
21.94
224.55
80.32
Op.
Date of Vari- No of
Revenue
(mil USD)*
12/2011 - n.a. n.a.

12/2011 - n.a. n.a.
08/2012 ð 1.0 3.0
08/2012 ð 1.0 1.0
12/2011 - n.a. n.a.
08/2012 ð 589.0 3,596.0
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.

12/2011 - n.a. n.a.
08/2012 ð 1,144.0 3,289.0

08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.

12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - 11,703.0 n.a.
12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.

12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. 2.0
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.

08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
08/2012 ð 7.0 n.a.
12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - <0,5 2.0
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ö 346.0 1,459.0
12/2011 - 2.0 1.0

12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - 8.0 10.0
12/2011 - 89.0 446.0
12/2011 - 58.0 352.0
12/2011 ö 24.0 125.0
12/2011 - 66.0 246.0
12/2011 - 64.0 272.0

12/2011 - 37.0 146.0
12/2011 - 19.0 n.a.
12/2011 - 233.0 16.0
12/2011 - 200.0 2,012.0
12/2011 - 374.0 1,675.0

12/2011 - 447.0 1,811.0
12/2011 - 258.0 1,181.0

12/2011 ö 349.0 1,750.0
12/2011 - 235.0 n.a.
12/2011 - 431.0 1,945.0
12/2011 - 196.0 877.0
12/2011 - 227.0 1,273.0

12/2011 - 468.0 2,246.0
12/2011 - 286.0 1,215.0
12/2011 - 433.0 1,679.0
12/2011 - 482.0 2,305.0

12/2011 - 259.0 1,307.0
12/2011 - 650.0 2,694.0

12/2011 - 497.0 2,230.0
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.

12/2011 - n.a. n.a.
12/2011 - 1,239.0 n.a.
12/2011 - n.a. n.a.
12/2011 - 404.0 1,803.0
12/2011 - 577.0 2,168.0
12/2011 - 452.0 1,914.0
12/2011 - 672.0 3,157.0
12/2011 - 250.0 1,223.0
12/2011 - 436.0 1,864.0

Société Générale
92972 PARIS LA DEFENSE CEDEX BvD ID number FR552120222

Contact details
Tour Société Générale Phone number +33 (1) 42 14 52 16

Fax number +33 (1) 42 14 38 28
92972 PARIS LA DEFENSE CEDEX Web Site Address www.socgen.com
FRANCE
Bank History :
Established on May 4, 1864 as Société Générale pour favoriser le Développement du Commerce et de l'Industrie en
France S.A. In 1983, its name changed to Société Générale. In 1996 absorbed Société de Banque du Nord, Société de
Banque Midi-Pyrénées, Société de Banque de Normandie, Société de Banque de Provence - Banque de Provence and
Société de Banque de Bourgogne -Banque de Bourgogne SBB. In May 2000, the banking activities of SOGENAL (Groupe
Société Génerale) were transferred to Société Général, with a retroactive effect to January 1, 2001. On January 2, 2003
absorbed Crédit immobilier général CIG.

Accounting Standards International Financial Nickname SOGENI
Name of the Auditor Deloitte & Associes Model ALLBANKS
available

(12/11/2012) World rank, 2011 17
shareholders
subsidiaries
Peer Group

Size 1,148
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 382,524.0 388,100.0 366,456.0 379,175.0
Gross Loans 399,287.0 403,393.0 379,078.0 388,383.0
Derivatives 254,345.0 198,919.0 182,780.0 317,996.0
Remaining earning assets 2,235.0 1,068.0 320.0 3,024.0
Total Earning Assets 1,048,827.0 1,043,357.0 941,648.0 1,036,082.0
Fixed Assets 15,158.0 14,288.0 13,631.0 13,595.0
Total Assets 1,181,372.0 1,132,072.0 1,023,701.0 1,130,003.0

Derivatives 252,301.0 204,455.0 183,953.0 310,154.0
Other Reserves 2,450.0 2,026.0 2,311.0 2,291.0
Equity 51,112.0 50,975.0 46,838.0 40,887.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives 3,780.0 4,871.0 1,656.0 4,589.0
Statement
Remaining Operating Income 1,396.0 1,304.0 952.0 1,098.0
Overheads 17,036.0 16,545.0 15,766.0 15,528.0
Other -298.0 -138.0 -1,434.0 833.0
Profit before Tax 4,111.0 5,844.0 800.0 4,008.0
Tax 1,323.0 1,542.0 -308.0 1,235.0
Net Income 2,788.0 4,302.0 1,108.0 2,773.0
Dividend Paid 1,770.0 1,726.0 642.0 1,172.0

Tier 1 Ratio 10.70 10.56 10.70 8.43
Total Capital 41,428.0 40,506.0 41,996.0 40,234.0
Tier 1 Capital 37,464.0 35,363.0 34,693.0 30,323.0
Net-Charge Offs 3,153.0 n.a. n.a. -8.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 420.0 318.0 329.0 466.0

Statement

Securities and Other Credit Impairment Charges 1,315.0 696.0 1,398.0 195.0
Operating Profit 3,094.0 5,286.0 836.0 2,980.0
Equity-accounted Profit/ Loss - Non-operating 94.0 119.0 15.0 -8.0

Change in Fair Value of Own Debt 1,176.0 427.0 -720.0 441.0
Other Non-operating Income and Expenses -265.0 1.0 -42.0 -300.0
Pre-tax Profit 4,111.0 5,844.0 800.0 4,008.0
Tax expense 1,323.0 1,542.0 -308.0 1,235.0
Net Income 2,788.0 4,302.0 1,108.0 2,773.0
Change in Value of AFS Investments -722.0 78.0 1,512.0 -2,799.0

Currency Translation Differences -14.0 925.0 -74.0 0.0
Remaining OCI Gains/(losses) 222.0 -154.0 -553.0 n.a.
Fitch Comprehensive Income 2,274.0 5,151.0 1,993.0 -26.0
Memo: Net Income after Allocation to Non- 2,385.0 3,917.0 678.0 2,010.0
Memo: Common Dividends Relating to the Period 1,770.0 1,726.0 642.0 1,172.0
Balance Sheet
Assets
Loans
Corporate & Commercial Loans n.a. 156,737.0 144,265.0 140,240.0
Other Loans 61,322.0 115,164.0 114,422.0 130,026.0
Net Loans 382,524.0 388,100.0 366,456.0 379,175.0
Gross Loans 399,287.0 403,393.0 379,078.0 388,383.0
Derivatives 254,345.0 198,919.0 182,780.0 317,996.0
At-equity Investments in Associates 2,014.0 1,968.0 2,001.0 185.0
Insurance Assets 2,235.0 1,068.0 320.0 3,024.0
Total Earning Assets 1,048,827.0 1,043,357.0 941,648.0 1,036,082.0
Non-earning Assets
Fixed Assets 15,158.0 14,288.0 13,631.0 13,595.0
Goodwill 6,973.0 7,431.0 6,620.0 6,530.0
Current Tax Assets 648.0 578.0 553.0 1,724.0
Other Assets 59,113.0 45,882.0 40,000.0 53,780.0
Total Assets 1,181,372.0 1,132,072.0 1,023,701.0 1,130,003.0

Funding
Derivatives 252,301.0 204,455.0 183,953.0 310,154.0
Total Funding 979,692.0 939,174.0 848,843.0 960,262.0
Total Liabilities 1,130,260.0 1,081,097.0 976,863.0 1,089,116.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 42,434.0 40,406.0 37,086.0 32,169.0
Securities Revaluation Reserves -709.0 -258.0 -298.0 -1,316.0
Foreign Exchange Revaluation Reserves -317.0 -303.0 n.a. n.a.
Fixed Asset Revaluations and Other Accumulated 11.0 5.0 -981.0 -837.0
OCI
Total Equity 45,464.0 43,436.0 38,996.0 33,363.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Taxes/ Pre-tax Profit% 32.18 26.39 -38.50 30.81
Pre-Impairment Operating Profit / Risk Weighted 2.13 2.75 2.06 n.a.
Assets%
Operating Profit / Risk Weighted Assets% 0.89 1.54 0.26 n.a.
%
%
Securitized Assets%
Net Income/ Risk Weighted Assets% 0.80 1.25 0.34 n.a.
Fitch Comprehensive Income/ Risk Weighted Assets 0.65 1.50 0.61 n.a.
%
Capitalization
Cash Dividend Paid & Declared/ Fitch 77.84 33.51 32.21 n.s.
Loan Quality
%
Net Charge-offs/ Average Gross Loans% 0.78 n.a. n.a. 0.00
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 61,241.0 62,278.0 62,460.0 64,325.0

balance sheet
Average Loans 401,741.8 394,800.3 384,288.3 357,622.0
Average Earning Assets 1,058,496.8 1,019,455.3 982,726.7 1,012,962.0
Average Assets 1,171,650.4 1,109,864.3 1,070,854.3 1,092,563.3
Average Equity 47,479.2 43,428.3 35,180.7 31,391.7
Maturities






Net Income 2,788.0 4,302.0 1,108.0 2,773.0
Equity 45,464.0 43,436.0 38,996.0 33,363.0
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on -1,491.0 -998.0 -698.0 -833.0
the B/S- CC only
Goodwill 6,973.0 7,431.0 6,620.0 6,530.0
First loss tranches of off-balance sheet 3,044.0 4,256.0 1,864.0 1,114.0
securitizations
Government held Hybrid Capital 0.0 0.0 0.0 1,700.0

Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 124,738.0 103,836.0 90,433.0 81,723.0

Asset Quality Data

Net Charge-offs
Gross Charge-offs n.a. n.a. n.a. 148.0
Recoveries n.a. n.a. n.a. 156.0
Net Charge-offs 3,153.0 n.a. n.a. -8.0
Reserves
Collective/General Loan Impairment Reserves 1,291.0 1,234.0 1,152.0 1,032.0

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 19,165.0 n.a. 18,014.0 12,553.0

Retained Earnings 20,616.0 n.a. 19,014.0 19,785.0
Profit/Loss Reserve/Income for the period net of 2,385.0 n.a. n.a. n.a.
dividends
Other Common Equity 41,419.0 39,850.0 -1,279.0 -2,153.0
Valuation Reserves for AFS Securities in OCI Total -709.0 n.a. n.a. -2,153.0
Cash Flow Hedge Reserve 11.0 n.a. n.a. 0.0
Interests
Non-controlling Minority Interest - not loss- n.a. n.a. n.a. 0.0
absorbing

Total Dividends Related to Period 1,770.0 n.a. n.a. 843.0
Total Dividends Paid and Declared in Period 1,770.0 1,726.0 642.0 1,172.0
Deferred Tax Assets to be Deducted from Core n.a. 4,337.0 4,110.0 2,619.0
Capital
Hybrid Capital Fitch Class C n.a. n.a. 1,445.0 1,455.0
Weighted Total of Fitch Hybrid Capital Classes 0.0 0.0 7,119.5 5,096.5
Regulatory Capital
Risk Weighted Assets including floor/cap per Basel II 349,300.0 343,919.0 324,080.0 n.a.

Risk-Weighted Assets excluding Floor/Cap per Basel 349,275.0 334,800.0 324,080.0 345,518.0
II
Capital Charge Credit Risk 273,297.0 21,968.0 21,048.0 22,176.0
Capital Charge Market Risk 32,536.0 1,048.0 1,112.0 1,845.0
Capital Charge Operational Market Risk 43,442.0 3,768.0 3,768.0 3,620.0
Equity Investments deducted from Regulatory n.a. n.a. 5,671.0 4,370.0
Capital
deposits
banks

loans

Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
NCO / Average Gross Loans 0.79 n.a. n.a. 0.00
NCO / Net Inc Bef Ln Lss Prov 54.33 n.a. n.a. -0.15
Capital
Tier 1 Ratio 10.70 10.56 10.70 8.43
Equity / Net Loans 13.36 13.14 12.78 10.78
Operations
Dividend Pay-Out 63.49 40.12 57.94 42.27
Liquidity
Interbank Ratio 56.28 59.11 54.69 47.99
General information


Ticker symbol: GLE

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Hannover
Boerse Munchen
Boerse Stuttgart
US Exchange
XETRA
IPO date: 7/9/1987
Market price - May 16.06 41.24 35.05 41.00 66.80 144.79 119.43

Price trends (%)

BETA




Reference index 5:

Date News
1 13/11/2012 Weather Investments II acquires La Mancha Resources (deal no.
1601352530)
2 12/11/2012 Qatar National Bank may fully acquire National Societe General
Bank in a PTO (deal no. 1601419814)
3 10/11/2012 Banco Popular announces rights issue details (deal no.
1601407254)
4 24/10/2012 Shinhan Bank looking to acquire SGVF (deal no. 1633102115)
5 23/10/2012 Tikehau to acquire majority stake in Salvepar from Société
Générale (deal no. 1601413969)
6 23/10/2012 Tikehau to file takeover for Salvepar (deal no. 1601413983)
7 22/10/2012 Paris Cash Holding in OBO (deal no. 1601414247)
8 22/10/2012 Eurofeu acquired in second MBO (deal no. 1601414281)
9 19/10/2012 Geniki summons to EGM (deal no. 1601384886)
10 17/10/2012 Laredo Petroleum Holdings completes secondary offering of
shares held by Warburg Pincus (deal no. 1601409881)
11 12/10/2012 Rubis conducts private placing with Société Générale (deal no.
1601411476)
12 03/10/2012 In'Tech acquired by management, TCR Capital and Arkéa (deal
no. 1601411253)
13 02/10/2012 Alstom plans capital increase for Russian investment (deal no.
1601407611)
14 01/10/2012 Alstom completes private placing (deal no. 1601407611)
15 27/09/2012 Mr Vladimir Koshelev has acquired majority stake in KB Rosbank-
Volga (deal no. 1601415149)
16 21/09/2012 Karat might be sold to Bel (deal no. 1601405570)
17 17/09/2012 IntercontinentalExchange to acquire APX-Endex' gas trading
division (deal no. 1601403148)
18 11/09/2012 New private equity owner for Unipex (deal no. 1601401585)
19 10/09/2012 AXA Private Equity agrees to sell Groupe Unipex to IK Investment
20 10/09/2012 Initiative & Finance take majority stake in Fil Rouge MBI (deal no.
1601403130)
21 31/08/2012 Société Générale in talks to sell Egypt division (deal no.
1601398922)
22 31/08/2012 Owens & Minor completes acquistion of Movianto (deal no.
1601333401)
23 29/08/2012 Société Générale planning to sell Geniki Bank (deal no.
1601384886)
24 28/08/2012 Toyota Tsusho launches offer for remainder of CFAO (deal no.
1601389972)
25 28/08/2012 Toyota Tsusho announces offer for remaining shares in CFAO
(deal no. 1601389972)
26 21/08/2012 Société Générale looking to sell PEMA (deal no. 1601396437)
27 14/08/2012 Penta Group will acquire Lekarny Lloyds and Gehe Pharma (deal
no. 1601394927)
28 11/08/2012 Innimmo Financial Services acquired CrediBul from SG Finance
(deal no. 1601394763)
29 10/08/2012 Carlyle Group teams with management to buy TCW from SocGen
(deal no. 1601321041)
30 09/08/2012 Société Générale to sell TCW Group to Carlyle Group (deal no.
1601321041)
31 03/08/2012 Rubis completes private placing (deal no. 1601392708)
32 02/08/2012 Toyota Tsusho acquires stake in CFAO and is looking to make an
offer for remaining shares in CFAO (deal no. 1601389968)
33 02/08/2012 21 Centrale Partners completes acquisition of majority stake in
Cléor (deal no. 1601370401)
34 31/07/2012 Lion Capital completes acquisition of Afflelou (deal no.
1601357346)
35 26/07/2012 Toyota Tsusho buying shares in CFAO (deal no. 1601389968)
36 26/07/2012 Microwave Vision secures funding from Oséo, Société Générale
and CIC (deal no. 1601390469)
37 25/07/2012 Owens & Minor acquiring Movianto (deal no. 1601333401)
38 23/07/2012 Omnes Capital, Mr Eric Beaudru and Mr Antoine de Miramon
acquire Unafinance in Management buy-in transaction (deal no.
1601389356)
39 23/07/2012 FACTORY systemes acquired in MBO (deal no. 1601390993)

40 18/07/2012 Highstar Capital to acquire Veolia ES Solid Waste from Veolia
Environmental Services North America: Consideration announced
(deal no. 1601386737)
41 16/07/2012 Siparex and management complete buy-out of Vulcain from CM-

CIC Capital Finance and other shareholders (deal no.
1601391707)
42 13/07/2012 Highstar ‘considers purchase of Veolia’s waste management

business’ (deal no. 1601386737)
43 13/07/2012 Compagnie de la Seine acquires Seine Armement (deal no.
1601386876)
44 28/06/2012 Véolia sells Veolia Water Capital Funds to Rift Acquisitions (deal
no. 1601322422)
45 23/06/2012 Société Générale completes capital increase (deal no.
1601381453)
46 15/06/2012 Rothschild Capital Partners acquires majority stake in Euro
Techno Com (deal no. 1601380482)
47 11/06/2012 Société Générale acquires stake in Whitbread (deal no.
1601377920)
48 08/06/2012 Société Générale sells interest in Econocom (deal no.
1601377068)
49 27/05/2012 MT Telecom acquires a majority stake in MobiNil (deal no.
1601066803)
50 22/05/2012 Accor to sell Motel 6 to Blackstone for USD 1.6bn (deal no.
1601372053)
Source : Zephyr
Boards & committees

1. Mr. Frédéric Oudéa - Chairman of the Board, Chief BoD, ExeB FT, RE, SC,
P014141927 Executive Officer, Member of the WW
Executive Committee and Group
Manageme (since 24/05/2009)
- Member of the General OthBC WW

2. Mr. Anthony Blake Wyand - Vice-Chairman of the Board of BoD FT, RE, VI,
P014141930 Directors (since 06/05/2009) WW
- Chairman of the Audit, Internal AudC, OthBC WW
Control and Risk Committee
- Member of the Compensation RemC WW
Committee
- Member of the Nomination and NomC, WW
Corporate Governance CoGoC
Committee
3. Mr. Thierry Aulagnon - Head of Coverage and BoD RE
P039804684 Investment Banking, Member of
the Group Management
Committee
4. Mr. Philippe Aymerich - Chief Executive Officer of Credit BoD RE
P014141952 du Nord, Member of the Group
(since 01/2012)
Management Committee (Chief
Executive Officer of Credit du
Nord)
5. Mrs. Jean Azéma - Director BoD FT, VI
P014141974
6. Mr. Alain Benoist - Head of Processes and BoD RE
P121555426 Information Systems, Member of
the Management Committee
(since 2011)
7. Mr. Albert Boclé - Head of Sales and Marketing for BoD RE
P014141933 the French Retail Banking,
Member of the Group
(since 01/08/2009)
7. - Head of Sales and Marketing for BoD RE
the French Retail Banking,
Member of the Group
(since 01/08/2009)

8. Mr. Henri Bonnet - Chairman and Chief Executive BoD RE
P039301013 Officer of Komercni Banka,
Member of the Group
(since 09/09/2009)

9. Mr. François Boucher - Head of the French Retail BoD RE
P014141953 Banking Information Networks
and Process Automation, Member
of the Group M
(since 01/01/2010)

10. Mr. Serge Cailly - Deputy Head of French Societe BoD RE
P051732018 Generale Network, Member of
Committee
11. Mr. Robert Paul Marie Louise - Company director; Independent BoD FT, RE, VI,
Castaigne Director (from 2009 to 2014) WW
P014141975 - Member of the audit, internal AudC, OthBC VI, WW
control and risks committee
12. Miss Marie Cheval - Head of Global Transaction and BoD RE
P100718527 Payment Services, Member of the
Group Management Committee
(since 01/01/2012)
13. Mr. Michel Solomon Cicurel - Independent Director (from 2004 BoD FT, RE, WW
P014140289 to 2016)
Committee
Committee
14. Mr. Bernard-Chalres David - Deputy Head of International BoD RE
P046743946 Retail Banking, Member of the
(since 06/11/2007)
15. Mr. Yann Delabrière - Director (from 2012 to 2016) BoD RE, WW
P038939519
16. Mr. Patrick Delicourt - Director - Employee BoD FT, RE
P014141971 Representative
(since 01/06/2008)
17. Mr. François Alain Dossa - General Manager of Societe BoD RE
P015449997 Generale Group In Brazil,
Member of the Group
(since 2011)
18. Mrs. Marie-Christine Ducholet - Chief Executive Officer of Societe BoD RE
P114624735 Generale Equipment Finance,
Member of the Group
Management Commit
(since 10/2011)
Management Committee (Chief
Executive Officer of Societe
Generale Equipment Finance)
(since 10/2011)
19. Mr. Mohamed El Dib - Chairman and Chief Executive BoD RE

P089089570 Officer of Nsgb Bank (Egypt) and
Member of the Group
Management Committ
(since 01/01/2011)
20. Mr. Daniel Fields - Head of Global Markets - BoD RE
P086216876 Corporate & Investment Banking,
Member of the Group
(since 03/01/2012)

21. Mr. Ian James Fisher - Head of Corporate & Investment BoD RE
P014141937 Banking and Group Country Head
for the United Kingdom, Member
of the (since 04/2009)
22. Mr. Jean Martin Folz - Independent Director (from 2007 BoD FT, RE, VI,
P014139033 to 2015) WW
- Chairman of the Compensation RemC WW
Committee
- Chairman of the Nomination and NomC, WW
Committee
23. Mr. Olivier Garnier - Group Chief Economist, Member BoD RE
P059153765 of the Group Management
24. Mr. Jean-Marc Giraud - Group Head of Inspection and BoD, AudC RE
P132282622 Audit, Member of the Group
(since 06/2012)
25. Mr. Владимир Юрьевич - Chief Executive Officer of BoD RE
Голубков
P039820647 Rosbank (Russia), Member of the
(since 01/01/2011)
26. Miss Kyra Hazou - Independent Director (from 2011 BoD RE, WW
P046203679 to 2015)
27. Mr. Philippe Heim - Deputy Group Chief Financial BoD RE
Officer, Head of Group Strategy,
Member of the Group
Management Committ
(since 03/2012)
27. - Deputy Group Chief Financial BoD RE
P010757511 Officer, Head of Group Strategy,
Member of the Group
Management Committ
(since 03/2012)

28. Mr. France Houssaye - Director - Employee BoD FT, RE, WW
P014141972 Representative (from 2009
to 2015)
29. Mr. Arnaud Jacquemin - Deputy Group Chief Risk Officer, BoD RE
P014141947 Member of the Group
(since 03/2012)
30. Mr. Christophe Leblanc - Chief Operating Officer, BoD RE, WW
P105374581 Corporate and Investment
Banking, Member of the Group
(since 03/01/2012)

31. Mrs. Béatrice Lepagnol - Member of the Board of Directors BoD WW
P132322143 (from 2012 to 2015)
32. Mr. Jean-Bernard Lévy - Independent Director (from 2009 BoD FT, RE, VI,
P057005774 to 2013) WW
Committee
Committee
33. Mrs. Ana María Llopis - Independent Director (from 2011 BoD RE, WW
P004186908 to 2015)
34. Mrs. Élisabeth Lulin - Independent Director (from 2003 BoD FT, RE, WW
P014141976 to 2013)
- Member of the Audit, Internal AudC, OthBC WW
Control and Risk committee
35. Mrs. Anne Clementine Marcelle - Group Chief Country Officer for BoD RE
Marion-Bouchacourt China, Member of the Group
P014141951 Management Committee
(since 07/2012)
36. Mr. Thierry Martel - Director (from 2012 to 2016) BoD RE, WW
P051897673
37. Mr. Kenji Matsuo - Member of the Board of Directors BoD WW
P014141973 (from 18/01/2006 to 2014)
38. Mr. Jean-Louis Mattéi - Advisor for the General BoD RE

P014141964 Management, Member of the
(since 03/09/2012)

Committee
39. Mr. Jean-François Mazaud - Head of Private Banking, Member BoD RE
P129708297 of the Group Management
Committee (since 03/2012)
39. - Head of Private Banking, Member BoD RE
of the Group Management

40. Miss Inès Claire Mercereau - Chairman and Chief Executive BoD RE
P014141943 Officer of Boursorama, Member
of the Group Management
41. Mr. Christophe Mianné - Deputy Chief Executive Officer of BoD RE
P014141944 Societe Generale Corporate &
Investment Banking, Member of
the Gro (since 03/01/2012)
42. Mr. Hikaru Ogata - Chief Executive Officer of Societe BoD RE
P070431842 Generale Corporate & Investment
Banking Asia Pacific and Member
O (since 01/01/2011)

43. Mr. Gianemilio Angelo Osculati - Independent Director (from 2006 BoD FT, RE, WW
P014141977 to 2014)
44. Mr. Pierre Palmieri - Head of Global Finance - BoD RE
Member of the Group
(since 03/01/2012)

(since 01/2011)
45. Mr. Philippe Perret - Chairman and CEO of Sogecap BoD RE
P003032775 and Head of the Insurance
Business Line, Member of the
Group Management
(since 01/07/2010)

46. Mr. Guy M Poupet - Chairman and CEO of Banque BoD RE
P039825493 Roumaine de Developpement,
Member of the Group
(since 01/01/2010)
47. Mr. Bruno Yves Jacki Prigent - Head of Societe Generale BoD RE
P014299546 Securities Services, Member of
48. Miss Nathalie Marie Claire Rachou - Independent Director (from 2008 BoD FT, RE, WW
to 2016)
P004407034 - Member of the Audit, Internal AudC, OthBC WW
48.

49. Mrs. Sylvie Rémond - Deputy Chief Risk Officer and BoD RE
P086216875 Member of Group Management
50. Mr. Patrick Claude Maurice - Deputy Head of International BoD RE
Renouvin Retail Banking Responsible for
P014141958 Resources, Member of the Group
Managemen (since 06/2008)

51. Mr. Marc I Stern - CHAIRMAN OF SG GLOBAL BoD RE
P010273372 INVESTMENT MANAGEMENT &
SERVICES US AND CEO OF TCW,
MEMBER OF THE GROUP
Manager

52. Mr. Daniel Truchi - Global Head of Private Banking, BoD RE
(since 2007)
53. Mr. Luc Emile Rene Vandevelde - Independent Director BoD FT, RE
P003221288 (since 2006)
54. Mr. Bertrand Badré - Chief Financial Officer, Member ExeB RE, SC, WW
P008288772 of the Executive Committee and
(since 01/2012)
55. Mr. Gilles Briatta - Deputy Corporate Secretary, ExeB RE
(since 02/11/2011)
56. Mr. Séverin Cabannes - Deputy Chief Executive Officer, ExeB RE, WW
P055223357 Member of the Executive
Committee and Group
(since 05/2008)

57. Mrs. Véronique de La Bachelerie - Chief Financial Officer of Societe ExeB RE
P051749874 Generale Retail Bank In France,
Member of the Group
Management Co
(since 01/01/2011)
58. Mrs. Caroline Guillaumin - Head of Group Communication, ExeB RE, WW
Committee and Group
(since 01/01/2010)
58.

59. Mr. Didier Hauguel - Head of Specialized Financial ExeB RE, WW
P014141962 Services and Insurance, Member
of the Executive Committee and
Group Ma (since 06/2009)

60. Mr. Edouard-Malo Henry - Head of Group Human ExeB RE, WW
P064888511 Resources, Member of the
(since 07/2012)
61. Mrs. Françoise Mercadal - - GROUP HEAD OF CORPORATE ExeB RE, WW
Delasalles RESOURCES AND INNOVATION,
P105022180 MEMBER OF THE EXECUTIVE
COMMITTEE AND GROUP
Manager (since 02/2009)

62. Mr. Benoit Ottenwaelter - Group Chief Risk Officer, Member ExeB RE, WW
(since 02/2009)

63. Mr. Jean-Luc A. J. Parer - Head of International Retail ExeB RE, WW
P014141945 Banking, Member of the
Management Committ
(since 03/09/2012)
64. Mr. Jacques Ripoll - Head of Global Investment ExeB RE, WW
P014141959 Management and Services,
Committee and Group Manag
(since 07/09/2009)

65. Mr. Jean-François Sammarcelli - Deputy Chief Executive Officer - ExeB RE, WW
P014141969 French Retail Banking, Member
Group (since 01/01/2010)
66. Mr. Bernardo Sanchez Incera - Deputy Chief Executive Officer, ExeB RE, WW
Committee and Group
(since 01/01/2010)

67. Mr. Patrick Suet - CORPORATE SECRETARY AND ExeB RE, WW
CHIEF COMPLIANCE OFFICER,
MEMBER OF THE EXECUTIVE
COMMITTEE AND GROUP
Manager (since 01/09/2009)
67. - CORPORATE SECRETARY AND ExeB RE, WW
P014141950 CHIEF COMPLIANCE OFFICER,
COMMITTEE AND GROUP

68. Mrs. Catherine Théry - Director of Internal Control ExeB RE
P093489858 Coordination, Member of the
(since 06/2008)
69. Mr. Didier Valet - Chief Executive Officer of ExeB RE, WW
Committee and Gro
(since 03/01/2012)

70. Mr. Donato Gonzalez-Sanchez - Member of the General OthBC WW
71. Mr. Laurent Goutard - Member of the General OthBC WW
72. Mr. Xavier Jacquemain - Member of the General OthBC WW
73. Mr. Slawomir Krupa - Member of the General OthBC WW
74. Mr. Diony Lebot - Member of the General OthBC WW
(since 2007)
75. Mr. Michael John Masterson - Member of the General OthBC WW
76. Mr. Craig Overlander - Member of the General OthBC WW
(since 2011)
77. Mr. Gianluca Soma - Member of the General OthBC WW
Management & staff

1. Mr. Slawomir Krupa - Deputy Head of Global Finance & SenMan, RE, WW
P081520925 Chief Executive Officer for the FinAcc
Central and Eastern Europe,
Middle East and Africa region,
Corporate & Investment Banking
(since 03/01/2012)
2. Mr. Diony Lebot - Chief Executive Officer for Euro SenMan RE, WW
P014141940 region, Corporate and
Investment Banking; Deputy
Head of Coverage and
Investment Banking and Chief
Executive Officer for Western
Europe - Corp (since 2012)
- Deputy Head of Coverage and OthDep WW

Investment Banking
3. Mr. Michael John Masterson - Chief Executive Officer of Ald SenMan RE
P039885685 International and Head of the Full
Service Leasing and CAR Fleet
Mana (since 05/2011)
3. - Chief Executive Officer of Ald SenMan RE
International and Head of the Full
Service Leasing and CAR Fleet
Mana (since 05/2011)
4. Mr. Frédéric Oudéa - Chairman of the Board, Chief SenMan FT, RE, SC,
P014141927 Executive Officer, Member of the WW
Manageme (since 24/05/2009)
5. Mr. Craig Overlander - Chief Executive Officer for SenMan RE, WW
P086216878 Western Europe, Corporate and
Investment Banking; Chief
Executive Officer of Societe
Generale Americas, Chief
Executive Officer for Western
Europe - C (since 2012)
6. Mr. Gianluca Soma - Chief Executive Officer of Societe SenMan, RE

P071750285 Generale Consumer Finance and FinAcc
Head of the Consumer Credit
Busines (since 2011)
- Head of the Consumer Credit OthDep WW

business line; Chief Executive
Officer of Societe Generale
Consumer Finance
7. Mr. Didier Valet - Chief Executive Officer of SenMan RE, WW
Committee and Gro
(since 03/01/2012)
- Head of Corporate and OthDep WW

Investment Banking (since 2012)
8. Mr. Ian James Fisher - Head of Corporate & Investment SenMan WW
P014141937 Banking and Group Country Head
for the United Kingdom
9. Mr. Donato Gonzalez-Sanchez - Group Country Head for Spain SenMan WW
P041344012 and Portugal
- Chief Country Officer for Spain OthDep RE, WW
and Portugal, Head of Corporate
& Investment Banking Activities
In S (since 01/01/2011)
10. Mr. Laurent Goutard - Head of Societe Generale Retail SenMan WW
P039816494 Banking in France
- Head of Retail Banking Network Sales RE
In France and Head of Societe
Generale French Distribution
Network, M (since 09/2011)
- Head of the Societe Generale OthDep WW
French Network
11. Mrs. Caroline Guillaumin - Head of Group Communication, SenMan RE, WW
Committee and Group
(since 01/01/2010)
- Head of Group Communication OthDep SC, WW

12. Mr. Didier Hauguel - Head of Specialized Financial FinAcc RE, WW
P014141962 Services and Insurance, Member
12. - Head of Specialized Financial FinAcc RE, WW
Services and Insurance, Member
- Group Chief Country Officer for SenMan WW

Russia
- Head of Specialised Financial Oper WW
Services and Insurance
(since 2009)
13. Mrs. Anne Clementine Marcelle - Group Chief Country Officer for SenMan WW
Marion-Bouchacourt China
P014141951 - Chief human resource officer HR SC
14. Mr. Christophe Mianné - Deputy Chief Executive Officer, SenMan WW
15. Mr. Hikaru Ogata - Chief Executive Officer for the SenMan WW
P070431842 Asia Pacific Region, Corporate &
Investment Banking Asia Pacific
16. Mr. Jean-Luc A. J. Parer - Head of International Retail SenMan RE, WW
P014141945 Banking, Member of the
Management Committ
(since 03/09/2012)
- Head of International Retail OthDep WW
Banking
17. Mr. Jacques Ripoll - Head of Global Investment SenMan RE, WW
P014141959 Management and Services,
Committee and Group Manag
(since 07/09/2009)
- Head of Global Investment OthDep WW
Management and Services
(since 2009)
18. Mr. Séverin Cabannes - Deputy Chief Executive Officer, SenMan RE, WW
Committee and Group
(since 05/2008)
19. Mr. Jean-François Sammarcelli - Deputy Chief Executive Officer - SenMan RE, WW
P014141969 French Retail Banking, Member
Group (since 01/01/2010)
20. Mr. Bernardo Sanchez Incera - Deputy Chief Executive Officer, SenMan RE, WW
Committee and Group
(since 01/01/2010)
21. Mr. Gilles Briatta - Deputy Corporate Secretary, SenMan RE

(since 02/11/2011)
- Group Deputy Corporate SenMan WW
Secretary (since 02/11/2011)
22. Mr. Patrick Suet - CORPORATE SECRETARY AND SenMan, RE, WW
P014141950 CHIEF COMPLIANCE OFFICER, LegDep
COMMITTEE AND GROUP
23. Mr. Bertrand Badré - Chief Financial Officer, Member FinAcc RE, SC, WW
(since 01/2012)
23. - Chief Financial Officer, Member FinAcc RE, SC, WW
(since 01/2012)
24. Mrs. Véronique de La Bachelerie - Chief Financial Officer of Societe FinAcc RE
P051749874 Generale Retail Bank In France,
Member of the Group
Management Co
(since 01/01/2011)
25. Mr. Philippe Heim - Deputy Group Chief Financial FinAcc RE

P010757511 Officer, Head of Group Strategy,
Member of the Group
Management Committ
(since 03/2012)
- Deputy Group Chief Financial FinAcc WW
Officer
- Head of Group Strategy OthDep WW
26. Mrs. Marie-Christine Ducholet - Chief Executive Officer of Societe FinAcc RE
P114624735 Generale Equipment Finance,
Member of the Group
Management Commit
(since 10/2011)
27. Mr. Pierre Palmieri - Head of Global Finance - FinAcc RE
Member of the Group
(since 03/01/2012)
- Head of Global Finance, OthDep WW

Corporate & Investment Banking
28. Mr. Edouard-Malo Henry - Head of Group Human HR RE, WW

P064888511 Resources, Member of the
(since 07/2012)
29. Mr. Xavier Jacquemain - Head of Human Resources for HR WW

P059153767 the Corporate Divisions
- Deputy Head of Group Human HR WW
Resources
- Deputy Head of Group Human HR RE
Resources and Head of Human
Resources for the Functional
Divisions, Membe
(since 01/01/2010)
30. Mr. Patrick Claude Maurice - Deputy Head of International HR, Sales RE
Renouvin Retail Banking Responsible for
P014141958 Resources, Member of the Group
Managemen (since 06/2008)
- Group Deputy Head of OthDep WW

International Retail Banking, in
charge of Resources
31. Mr. Albert Boclé - Head of Sales and Marketing for Sales, RE
P014141933 the French Retail Banking, MarkAdv
Member of the Group
(since 01/08/2009)
31.
- Head of Sales and Marketing for Sales WW

the French Retail Banking
Network
32. Mr. François Boucher - Head of the French Retail Sales RE
P014141953 Banking Information Networks
and Process Automation, Member
of the Group M
(since 01/01/2010)
- Head of information systems and Sales, WW

process automation of Retail OthDep
Banking in France
33. Mr. Serge Cailly - Deputy Head of Societe Generale Sales WW
P051732018 Retail Banking in France
34. Mr. Bernard-Chalres David - Deputy Head of International Sales RE

P046743946 Retail Banking, Member of the
(since 06/11/2007)
- Deputy Head of International OthDep WW
Retail Banking (since 2007)
35. Mr. Christophe Leblanc - Chief Operating Officer, Oper RE, WW
P105374581 Corporate and Investment
Banking, Member of the Group
(since 03/01/2012)
36. Mr. Alain Benoist - Head of Processes and IT&IS RE

P121555426 Information Systems, Member of
the Management Committee
(since 2011)
- Head of Group Processes & IT&IS WW
Information Systems
37. Mr. Thierry Aulagnon - Head of Coverage and OthDep WW
38. Miss Marie Cheval - Head of Global Transaction and OthDep WW
P100718527 Payment Services
(since 01/2012)
39. Mr. Daniel Fields - Head of Global Markets, OthDep WW
(since 03/01/2012)
40. Mr. Olivier Garnier - Group Chief Economist OthDep WW
P059153765
41. Mr. Jean-Marc Giraud - Group Head of Inspection and OthDep WW
P132282622 Audit (since 06/2012)
42. Mr. Jean-François Mazaud - Head of Private Banking OthDep WW
P129708297 (since 03/2012)
43. Mrs. Françoise Mercadal - - GROUP HEAD OF CORPORATE OthDep RE, WW
Delasalles RESOURCES AND INNOVATION,
P105022180 MEMBER OF THE EXECUTIVE
COMMITTEE AND GROUP
Manager (since 02/2009)
44. Mr. Benoit Ottenwaelter - Group Chief Risk Officer, Member OthDep RE, WW
(since 02/2009)
45. Mr. Philippe Perret - Head of the Insurance Business OthDep WW

P003032775 Line
46. Mr. Bruno Yves Jacki Prigent - Head of Societe Generale OthDep WW
Securities Services
(since 10/2011)
46. - Head of Societe Generale OthDep WW
P014299546 Securities Services
(since 10/2011)
47. Mr. Marc I Stern - Head of Societe Generale Global OthDep WW
P010273372 Investment Management and
Services America
48. Mrs. Catherine Théry - Director of Internal Control OthDep RE
P093489858 Coordination, Member of the
(since 06/2008)
- Head of Internal Control OthDep WW
Coordination
49. Mrs. Sylvie Rémond - Deputy Group Chief Risk Officer OthDep WW
P086216875 (since 09/2008)

Ownership Source


1. AIRBAIL FR 100.00 100.00 1 UO+ RM 12/2011
2. ALD AUTOMOTIVE AG CH 100.00 100.00 1 UO+ IP 08/2012
3. ALD INTERNATIONAL FR 100.00 100.00 1 UO+ WW 08/2012
4. BANCO SOCIETE GENERAL BRASIL SA BR 100.00 100.00 1 UO+ IP 08/2012
5. CATALYST RE INTERNATIONAL LTD BM 100.00 100.00 1 UO+ RM 12/2011
6. CODEIS SECURITIES SA LU 100.00 100.00 1 UO+ IP 08/2012
7. COMPAGNIE FONCIERE DE LA FR 100.00 100.00 1 UO+ IP 08/2012
MEDITERRANEE
8. COMPAGNIE GENERALE D'AFFACTURAGE FR 100.00 100.00 1 UO+ RM 12/2011
9. CRÉDIT DU NORD FR 100.00 100.00 1 UO+ IP 08/2012
10. DC MORTGAGE FINANCE NETHERLANDS NL 100.00 100.00 1 UO+ IP 08/2012
B.V.
11. ELEAPARTS FR 100.00 100.00 1 UO+ IP 08/2012
12. EURO VL (IRELAND) IE 100.00 100.00 1 UO+ RM 12/2011
13. FCT RED & BLACK - GUARANTEED HOME FR 100.00 100.00 1 UO+ RM 12/2011
LOANS
14. FCT RED & BLACK CONSUMER 2008-1 FR 100.00 100.00 1 UO+ RM 12/2011
15. FCT RED & BLACK FRENCH SMALL FR 100.00 100.00 1 UO+ RM 12/2011
BUSINESS 2010-1
16. FIDITALIA SPA IT 100.00 100.00 1 UO+ IP 08/2012
17. GENEFIMMO FR 100.00 100.00 1 UO+ IP 08/2012
18. GENEFINANCE FR 100.00 100.00 1 UO+ IP 08/2012
19. GENEGIS I FR 100.00 100.00 1 UO+ IP 08/2012
20. GENEGIS II FR 100.00 100.00 1 UO+ IP 08/2012
21. GENINFO FR 100.00 100.00 1 UO+ IP 08/2012
22. HALYSA SA LU 100.00 100.00 1 UO RM 12/2011
23. INTER EUROPE CONSEIL FR 100.00 100.00 1 UO+ IP 08/2012
24. IVEFI LU 100.00 100.00 1 UO+ RM 12/2011
25. KI SARL LU 100.00 100.00 1 UO+ IP 03/2012
26. LISTOPLAC FR 100.00 100.00 1 UO+ IP 08/2012
27. LLC PROSTOFINANCE UA 100.00 100.00 1 UO+ RM 12/2011
28. LLC PROSTOFINANCE KZ 100.00 100.00 1 UO+ IP 08/2012
29. LYXOR ASSET MANAGEMENT FR 100.00 100.00 1 UO+ IP 08/2012
30. LYXOR ASSET MANAGEMENT HOLDING US 100.00 100.00 1 UO+ RM 12/2011
CORP
31. ORPAVIMOB FR 100.00 100.00 1 UO+ IP 08/2012
32. PARIS REGLEMENT LIVRAISON FR 100.00 100.00 1 UO+ RM 12/2011
33. PEMA KFZ-HANDELS GMBH DE 100.00 100.00 1 UO+ RM 12/2011
34. PILLAR CAPITAL LP GB 100.00 100.00 1 UO+ RM 12/2011
35. PROTOS UZAVRENY INVESTIENI FOND CZ 100.00 100.00 1 UO+ AR 12/2009
36. SG AMERICAS INC US 100.00 100.00 1 UO+ IP 08/2012
37. SG AMERICAS INC. US 100.00 100.00 1 UO+ IP 08/2012
38. SG AMERICAS SECURITIES HOLDINGS, US 100.00 100.00 1 UO+ IP 08/2012
INC.
39. SG ASSET MANAGEMENT FR 100.00 100.00 1 UO+ RM 12/2011
40. SG AUSTRALIA LIMITED AU 100.00 100.00 1 UO+ IP 08/2012
41. SG D'ARBITRAGE ET DE PARTICIPATION LU 100.00 100.00 1 UO+ RM 12/2011
SA LUXEMBOURG
42. SG EQUIPEMENT FINANCE ITALY SPA IT 100.00 100.00 1 UO+ RM 12/2011
43. SG FACTORING SPA IT 100.00 100.00 1 UO+ RM 12/2011
44. SG FINANCE INC. US 100.00 100.00 1 UO+ IP 08/2012
45. SG FINANCIAL SERVICES HOLDING FR 100.00 100.00 1 UO+ IP 08/2012
46. SG HAMBROS LIMITED GB 100.00 100.00 1 UO+ IP 08/2012
47. SG HOLDING DE VALORES Y PARTICIP ES 100.00 100.00 1 UO+ IP 08/2012
48. SG LEASING AND RENTING CO LTD CN 100.00 100.00 1 UO+ RM 12/2011
49. SG LEASING XII GB 100.00 100.00 1 UO+ IP 08/2012
50. SG PREFERRED CAPITAL III LLC US 100.00 100.00 1 UO+ RM 12/2011
51. SG SECURITIES ASIA INT. HOLDINGS HK 100.00 100.00 1 UO+ IP 08/2012
52. SG SERVICES FR 100.00 100.00 1 UO+ IP 08/2012
53. SG WARRANTS LTD US 100.00 100.00 1 UO+ RM 12/2011
54. SGA SOCIETE GENERALE ACCEPTANCE AW 100.00 100.00 1 UO+ IP 08/2012
55. SGA SOCIÉTÉ GÉNÉRALE ACCEPTANCE N.V. CW 100.00 100.00 1 UO+ RM 12/2011
56. SGBF BE 100.00 100.00 1 UO+ RM 12/2011

57. SGE HOLDINGS INC CA 100.00 100.00 1 UO+ RM 12/2011
58. SGFP MEXICO S DE RL DE CV MX 100.00 100.00 1 UO+ RM 12/2011
59. SOC GEN RETIREMENT SCE SGRS FRANCE FR 100.00 100.00 1 UO+ IP 08/2012
60. SOCIETE EUROPEENNE DE FINANCEMENT LU 100.00 100.00 1 UO+ RM 12/2011
ET D'INVESTISSEMENT
61. SOCIETE GENERALE (CHINA) LIMITED CN 100.00 100.00 1 UO+ IP 08/2012
62. SOCIETE GENERALE (S A) (PARIS) TR 100.00 100.00 1 UO+ IP 07/2012
MERKEZI FRANSA ISTANBUL TURKIYE
MERKEZ SUBESI
63. SOCIETE GENERALE - SPLITSKA BANKA DD HR 100.00 100.00 1 UO+ IP 08/2012
64. SOCIETE GENERALE ASIA LTD HK 100.00 100.00 1 UO+ IP 08/2012

65. SOCIETE GENERALE BANKA SRBIJA AD RS 100.00 100.00 1 UO+ IP 08/2012
66. SOCIETE GENERALE DE LEASING AU MA 100.00 100.00 1 UO+ RM 12/2011
MAROC SA
67. SOCIETE GENERALE DE PARTICIPATION FR 100.00 100.00 1 UO+ RM 12/2011
68. SOCIETE GENERALE GLOBAL SOLUTION IN 100.00 100.00 1 UO+ RM 12/2011
CENTRE PRIVATE LIMITED
69. SOCIETE GENERALE HOLDING DE FR 100.00 100.00 1 UO+ IP 08/2012
PARTICIPATIONS
70. SOCIETE GENERALE IMMOBEL BE 100.00 100.00 1 UO+ IP 08/2012
71. SOCIETE GENERALE INVESTMENTS (U.K.) GB 100.00 100.00 1 UO+ IP 08/2012
LIMITED
72. SOCIETE GENERALE PARTICIPATIONS FR 100.00 100.00 1 UO+ IP 08/2012
INDUSTRIELLES
73. SOCIETE GENERALE RETIREMENT FR 100.00 100.00 1 UO+ RM 12/2011
SERVICES
74. SOCIETE GENERALE SECURITIES (NORTH JP 100.00 100.00 1 UO+ IP 08/2012
PACIFIC) LTD
75. SOCIETE GENERALE SECURITIES SERV IT 100.00 100.00 1 UO+ IP 08/2012
76. SOCIETE GENERALE SECURITIES SERVICES FR 100.00 100.00 1 UO+ IP 08/2012
HOLDING
77. SOCIETE GENERALE SECURITIES SERVICES FR 100.00 100.00 1 UO+ RM 12/2011
NET ASSET VALUE
78. SOCIETE GENERALE SFH FR 100.00 100.00 1 UO+ IP 08/2012
79. SOCIETE GENERALE SUCURSAL EN ESPAÑA ES 100.00 100.00 1 UO+ IP 08/2012
80. SOCIETE' GENERALE ITALIA HOLDING IT 100.00 100.00 1 UO+ IP 08/2012

81. SOCIÉTÉ GÉNÉRALE (CANADA) CA 100.00 100.00 1 UO+ IP 08/2012
82. SOCIÉTÉ GÉNÉRALE ALGÉRIE DZ 100.00 100.00 1 UO+ IP 08/2012
83. SOCIÉTÉ GÉNÉRALE BANK NEDERLAND NL 100.00 100.00 1 UO+ IP 10/2012
N.V.
84. SOCIÉTÉ GÉNÉRALE EFFEKTEN GMBH DE 100.00 100.00 1 UO+ IP 08/2012
85. SOCIÉTÉ GÉNÉRALE SCF FR 100.00 100.00 1 UO+ IP 08/2012
86. SOCIÉTÉ GÉNÉRALE VIET FINANCE VN 100.00 100.00 1 UO+ IP 08/2012
COMPANY LIMITED
87. SOGE COLLINE SUD FR 100.00 100.00 1 UO+ IP 08/2012
88. SOGECAMPUS FR 100.00 100.00 1 UO+ IP 08/2012
89. SOGELEASE B.V. NL 100.00 100.00 1 UO+ IP 08/2012
90. SOGEMARCHE FR 100.00 100.00 1 UO+ IP 08/2012
91. SOGINFO FR 100.00 100.00 1 UO+ RM 12/2011
92. SOGINFO SOCIETE DE GESTION ET D FR 100.00 100.00 1 UO+ IP 08/2012
INVESTISSEMENTS FONCIERS
93. SOGÉFINERG - SOCIÉTÉ GÉNÉRALE POUR FR 100.00 100.00 1 UO+ RM 12/2011
LE FINANCEMENT DES INVESTISSEMENTS
ÉCONOMISANT L'ÉNERGIE
94. SOLENTIS INVESTMENT SOLUTIONS PCC GB 100.00 100.00 1 UO+ RM 12/2011

95. STE GENEVAL FR 100.00 100.00 1 UO+ IP 08/2012
96. STIP FR 100.00 100.00 1 UO+ RM 12/2011
97. TH INVESTMENTS (HONG KONG) 1 HK 100.00 100.00 1 UO+ RM 12/2011
LIMITED
98. TH INVESTMENTS (HONG KONG) 3 LTD HK 100.00 100.00 1 UO+ RM 12/2011
99. THE TURQUOISE FUND LU 100.00 100.00 1 UO+ RM 12/2011
100. THE TURQUOISE FUND LTD KY 100.00 100.00 1 UO+ IP 08/2012
52 16
38 28
om
dustrie en
, Société de
ovence and
ENAL (Groupe
nuary 2, 2003
ope)
ager for more
ager for more
Watch
IFRS IFRS IFRS IFRS

Unqualified Unqualified Audited Unqualified
31/12/2008 31/12/2007 31/12/2006 31/12/2005
379,175.0 318,754.0 272,664.0 249,558.0

388,383.0 326,087.0 279,960.0 256,888.0
9,208.0 7,333.0 7,296.0 7,330.0
656,907.0 684,598.0 621,835.0 545,137.0
77,588.0 101,333.0 98,453.0 53,451.0
317,996.0 153,324.0 117,697.0 160,898.0
258,299.0 415,712.0 405,651.0 330,750.0
3,024.0 14,229.0 34.0 38.0
1,036,082.0 1,003,352.0 894,499.0 794,695.0
13,595.0 11,865.0 10,943.0 10,459.0
80,326.0 56,545.0 51,399.0 43,263.0
1,130,003.0 1,071,762.0 956,841.0 848,417.0
520,130.0 569,044.0 504,763.0 338,581.0

264,034.0 242,628.0 240,598.0 222,506.0
161,662.0 207,820.0 181,491.0 116,075.0
94,434.0 118,596.0 82,674.0 0.0
440,132.0 330,636.0 310,056.0 386,799.0
310,154.0 160,841.0 122,954.0 150,291.0
46,142.0 68,666.0 158,037.0 138,644.0
83,836.0 101,129.0 29,065.0 97,864.0
126,563.0 132,797.0 106,508.0 92,792.0
n.a. n.a. n.a. n.a.
2,291.0 8,010.0 1,840.0 2,260.0
40,887.0 31,275.0 33,674.0 27,985.0
1,130,003.0 1,071,762.0 956,841.0 848,417.0
14,669.0 11,358.0 10,556.0 10,700.0

9,208.0 7,333.0 7,296.0 7,330.0
265,552.0 438,168.0 432,603.0 314,697.0
8,090.0 6,512.0 6,044.0 4,422.0
231,931.0 271,665.0 294,770.0 239,564.0
n.a. n.a. n.a. 0.0

13,919.0 11,459.0 11,513.0 12,571.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005
8,414.0 2,902.0 3,405.0 4,707.0
12,749.0 17,850.0 18,517.0 14,337.0
4,589.0 9,590.0 10,539.0 6,796.0
-353.0 -525.0 -179.0 103.0
7,415.0 7,528.0 6,853.0 6,076.0

1,098.0 1,257.0 1,304.0 1,362.0
15,528.0 14,305.0 13,703.0 12,156.0
2,460.0 905.0 679.0 448.0
833.0 -3,656.0 538.0 280.0
4,008.0 1,886.0 8,078.0 6,720.0
1,235.0 282.0 2,293.0 1,795.0
2,773.0 1,604.0 5,785.0 4,925.0
21,163.0 20,752.0 21,922.0 19,044.0
1,172.0 473.0 2,381.0 1,800.0
11.19 8.87 11.10 11.31

8.43 6.62 7.80 7.57
40,234.0 28,958.0 31,746.0 n.a.
30,323.0 21,616.0 22,327.0 19,285.0
-8.0 88.0 31.0 55.0
IFRS IFRS IFRS IFRS
31/12/2008 31/12/2007 31/12/2006 31/12/2005
22,158.0 19,075.0 15,100.0 12,133.0

18,030.0 19,018.0 14,956.0 8,974.0
466.0 400.0 293.0 256.0
40,654.0 38,493.0 30,349.0 21,363.0
10,413.0 22,048.0 16,598.0 10,786.0

21,827.0 13,543.0 10,346.0 5,870.0
32,240.0 35,591.0 26,944.0 16,656.0
8,414.0 2,902.0 3,405.0 4,707.0
4,589.0 9,590.0 10,539.0 6,796.0

-169.0 16.0 129.0 472.0
-353.0 -525.0 -179.0 103.0
527.0 755.0 694.0 484.0

7,415.0 7,528.0 6,853.0 6,076.0
740.0 486.0 481.0 406.0
12,749.0 17,850.0 18,517.0 14,337.0
8,616.0 8,172.0 8,350.0 7,469.0
6,912.0 6,133.0 5,353.0 4,687.0
15,528.0 14,305.0 13,703.0 12,156.0
n.a. n.a. 0.0 0.0

5,635.0 6,447.0 8,219.0 6,888.0
2,460.0 905.0 679.0 448.0
195.0 n.a. n.a. n.a.
2,980.0 5,542.0 7,540.0 6,440.0
-8.0 44.0 18.0 19.0

895.0 -3,982.0 495.0 n.a.
n.a. n.a. 18.0 23.0
441.0 242.0 n.a. n.a.
-300.0 40.0 43.0 284.0
4,008.0 1,886.0 8,078.0 6,720.0
1,235.0 282.0 2,293.0 1,795.0
n.a. n.a. 0.0 0.0
2,773.0 1,604.0 5,785.0 4,925.0
-2,799.0 -1,709.0 439.0 1,916.0

n.a. n.a. n.a. n.a.
0.0 -48.0 -545.0 593.0
n.a. n.a. n.a. n.a.
-26.0 -153.0 5,679.0 7,434.0
763.0 657.0 564.0 479.0
2,010.0 947.0 5,221.0 4,446.0
1,172.0 473.0 2,381.0 1,800.0

n.a. n.a. n.a. n.a.
85,810.0 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
32,307.0 101,648.0 87,645.0 72,384.0
140,240.0 118,441.0 100,704.0 88,478.0
130,026.0 105,998.0 91,611.0 96,026.0
9,208.0 7,333.0 7,296.0 7,330.0
379,175.0 318,754.0 272,664.0 249,558.0
388,383.0 326,087.0 279,960.0 256,888.0
14,669.0 11,358.0 10,556.0 10,700.0
n.a. n.a. n.a. n.a.
44,179.0 46,778.0 37,288.0 53,451.0

33,409.0 54,555.0 61,165.0 n.a.
174,219.0 325,533.0 324,792.0 255,060.0
317,996.0 153,324.0 117,697.0 160,898.0
81,723.0 87,808.0 78,754.0 73,559.0
2,172.0 1,624.0 1,459.0 1,940.0
185.0 747.0 646.0 191.0
n.a. n.a. n.a. n.a.
609,704.0 623,591.0 584,513.0 491,648.0
46,137.0 50,209.0 49,939.0 51,430.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,024.0 n.a. n.a. n.a.
n.a. 14,229.0 34.0 38.0
1,036,082.0 1,003,352.0 894,499.0 794,695.0
13,745.0 11,302.0 9,358.0 6,186.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
13,595.0 11,865.0 10,943.0 10,459.0
6,530.0 5,191.0 4,915.0 4,235.0
1,560.0 1,321.0 1,129.0 187.0
1,724.0 801.0 863.0 770.0
2,950.0 3,132.0 640.0 831.0
37.0 n.a. n.a. n.a.
53,780.0 34,798.0 34,494.0 31,054.0
1,130,003.0 1,071,762.0 956,841.0 848,417.0
125,997.0 144,051.0 144,108.0 106,758.0
51,296.0 50,445.0 49,551.0 48,591.0
86,741.0 48,132.0 46,939.0 67,157.0
264,034.0 242,628.0 240,598.0 222,506.0
107,535.0 118,775.0 121,679.0 116,075.0
54,127.0 89,045.0 59,812.0 n.a.
94,434.0 118,596.0 82,674.0 0.0
520,130.0 569,044.0 504,763.0 338,581.0
69,917.0 89,670.0 17,552.0 85,293.0

13,919.0 11,459.0 11,513.0 12,571.0
n.a. n.a. n.a. n.a.
83,836.0 101,129.0 29,065.0 97,864.0
310,154.0 160,841.0 122,954.0 150,291.0
46,142.0 68,666.0 158,037.0 138,644.0
960,262.0 899,680.0 814,819.0 725,380.0
n.a. n.a. n.a. -1,021.0

n.a. n.a. n.a. n.a.
2,291.0 8,010.0 1,840.0 2,260.0
650.0 1,770.0 1,497.0 1,314.0
331.0 1,304.0 959.0 864.0
n.a. n.a. n.a. n.a.
35.0 15,080.0 n.a. n.a.
67,147.0 68,928.0 64,583.0 57,828.0
58,400.0 45,715.0 39,469.0 33,807.0
1,089,116.0 1,040,487.0 923,167.0 820,432.0
n.a. n.a. n.a. 0.0
7,524.0 4,421.5 3,094.0 3,202.0
32,169.0 23,612.5 25,851.0 20,225.0

3,347.0 2,595.0 2,298.0 1,982.0
-1,316.0 646.0 2,355.0 1,916.0
n.a. n.a. n.a. n.a.
-837.0 n.a. 76.0 660.0
33,363.0 26,853.5 30,580.0 24,783.0

1,130,003.0 1,071,762.0 956,841.0 848,417.0
17,736.0 n.a. n.a. n.a.
22,832.5 n.a. n.a. n.a.
6.20 6.17 5.58 n.a.

3.98 8.59 7.12 n.a.
4.01 3.91 3.60 n.a.

3.49 3.98 3.50 n.a.
0.83 0.29 0.40 n.a.

0.59 0.20 0.32 n.a.
0.83 0.29 0.40 n.a.
60.24 86.02 84.47 75.28

73.37 68.93 62.51 63.83
1.42 1.36 1.52 n.a.
17.95 21.93 30.24 n.a.
0.52 0.61 0.91 n.a.
47.12 14.04 8.26 6.50
9.49 18.85 27.75 n.a.

0.27 0.53 0.84 n.a.
30.81 14.95 28.39 26.71
n.a. 1.97 2.87 2.70
n.a. 1.70 2.64 2.53
8.83 5.46 21.29 n.a.

0.25 0.15 0.64 n.a.
-0.08 -0.52 20.90 n.a.
0.00 -0.01 0.63 n.a.
n.a. n.a. n.a. n.a.
n.a. 0.49 2.02 1.93

n.a. -0.05 1.99 2.92
n.a. n.a. n.a. n.a.

6.61 n.a. n.a. n.a.
2.02 1.74 2.58 2.41
8.43 6.62 7.80 7.57
11.19 8.87 11.10 11.31
n.a. n.a. n.a. n.a.
2.95 2.51 3.20 2.92
42.26 29.49 41.16 36.55
n.s. -309.15 41.93 24.21
n.a. n.a. n.a. n.a.

4.80 4.21 11.13 12.61
5.43 12.01 12.78 n.a.

19.10 16.48 8.98 n.a.
3.78 3.48 3.77 4.17
2.37 2.25 2.61 2.85
62.77 64.56 69.12 68.50
16.37 14.99 10.66 13.60
0.69 0.29 0.25 n.a.

0.00 0.03 0.01 n.a.
3.78 3.48 3.77 4.17
147.10 134.40 116.36 115.45

41.08 39.38 30.64 46.05
40.61 32.84 34.78 38.69
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
64,325.0 68,039.0 98,808.0 59,880.0

n.a. n.a. n.a. n.a.
136,797.0 162,595.0 167,299.0 149,350.0

30,809.0 41,031.0 28,663.0 30,334.0
1,361,934.0 1,343,427.0 1,251,611.0 1,087,981.0
345,518.0 326,468.0 286,000.0 254,753.0
n.a. n.a. n.a. n.a.
345,518.0 326,468.0 286,000.0 254,753.0
357,622.0 309,303.3 270,845.0 n.a.

1,012,962.0 984,171.7 844,130.7 n.a.
1,092,563.3 1,051,071.0 902,685.0 n.a.
n.a. n.a. n.a. n.a.
924,656.0 894,369.3 770,289.3 n.a.
29,034.3 25,406.5 21,448.3 n.a.
31,391.7 29,401.5 27,175.5 n.a.
261,310.3 256,636.3 232,990.3 n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
13,919.0 11,459.0 11,513.0 12,571.0
n.a. n.a. n.a. n.a.
2,773.0 1,604.0 5,785.0 4,925.0

0.0 n.a. n.a. n.a.
2,773.0 1,604.0 5,785.0 4,925.0
33,363.0 26,853.5 30,580.0 24,783.0

7,524.0 4,421.5 3,094.0 3,202.0
0.0 n.a. n.a. n.a.

40,887.0 n.a. n.a. n.a.
33,363.0 26,853.5 30,580.0 24,783.0
-833.0 -719.0 -263.0 -1,021.0
0.0 0.0 0.0 0.0

6,530.0 5,191.0 4,915.0 4,235.0
1,560.0 1,321.0 1,129.0 187.0
2,619.0 1,828.0 0.0 0.0
2,971.0 n.a. n.a. n.a.
1,114.0 n.a. n.a. n.a.
17,736.0 n.a. n.a. n.a.

3,396.5 3,702.5 2,054.0 1,601.0
1,700.0 n.a. n.a. n.a.
22,832.5 n.a. n.a. n.a.
7,601.1 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
22,158.0 19,075.0 15,100.0 12,133.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
10,413.0 22,048.0 16,598.0 10,786.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
77,057.0 152,149.0 127,229.0 121,471.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
42,275.0 94,904.0 96,104.0 70,154.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

30,834.0 58,901.0 81,823.0 63,435.0
150,166.0 305,954.0 305,156.0 255,060.0
64,830.0 67,185.0 55,525.0 53,944.0
12,972.0 9,312.0 11,517.0 10,549.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
19,120.0 4,514.0 4,578.0 4,136.0
11,300.0 6,797.0 7,134.0 4,930.0
81,723.0 87,808.0 78,754.0 73,559.0
597.0 181.0 1,459.0 1,940.0
1,575.0 1,443.0 n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,172.0 1,624.0 1,459.0 1,940.0
14,547.0 10,755.0 11,517.0 10,549.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
103,529.0 165,116.0 189,639.0 142,655.0
148.0 231.0 215.0 229.0

156.0 143.0 184.0 174.0
-8.0 88.0 31.0 55.0
1,032.0 785.0 864.0 824.0

7,848.0 6,272.0 6,432.0 6,506.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
12,553.0 583.0 577.0 543.0
n.a. n.a. n.a. n.a.

19,785.0 23,029.5 25,274.0 19,682.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
3,347.0 2,595.0 2,298.0 1,982.0
-2,153.0 24,258.5 28,282.0 22,801.0
33,532.0 23,612.5 25,851.0 20,225.0
-2,153.0 646.0 2,355.0 1,916.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-2,153.0 646.0 2,355.0 1,916.0
0.0 0.0 28.0 67.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-2,153.0 646.0 2,383.0 1,983.0
n.a. n.a. n.a. n.a.
-2,153.0 646.0 2,383.0 1,983.0
7,524.0 4,421.5 3,094.0 3,202.0
40,887.0 31,275.0 33,674.0 27,985.0
0.0 0.0 0.0 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

843.0 473.0 2,381.0 1,800.0
1,172.0 473.0 2,381.0 1,800.0
n.a. n.a. n.a. n.a.
2,619.0 1,828.0 0.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,455.0 1,439.0 2,080.0 3,202.0
n.a. n.a. n.a. n.a.
4,369.0 2,983.0 1,014.0 0.0
5,096.5 3,702.5 2,054.0 1,601.0
3,396.5 3,702.5 2,054.0 1,601.0
30,323.0 21,616.0 22,327.0 19,285.0

40,234.0 28,958.0 31,746.0 n.a.
8.43 6.62 7.80 7.57
11.19 8.87 11.10 11.31
n.a. 326,468.0 286,000.0 254,753.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
345,518.0 n.a. n.a. n.a.
22,176.0 n.a. n.a. n.a.

1,845.0 n.a. n.a. n.a.
3,620.0 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,370.0 n.a. n.a. 1,910.0
609,704.0 623,591.0 584,513.0 491,648.0

n.a. n.a. n.a. n.a.
609,704.0 623,591.0 584,513.0 491,648.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
160,430 130,100 115,134 103,555

n.a. 5,792 5,253 4,500
8.43 6.62 7.80 7.57
n.a. n.a. n.a. n.a.
11.19 8.87 11.10 11.31
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
11,227.0 9,198.0 7,247.0 4,532.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2008 31/12/2007 31/12/2006 31/12/2005
2.37 2.25 2.61 2.85

29.24 31.19 19.94 9.52
62.77 64.56 69.12 68.51
3.78 3.48 3.77 4.17
0.00 0.03 0.01 0.02
-0.15 3.51 0.48 1.02
35.88 36.32 31.35 38.24
13.36 12.87 9.68 12.04
8.43 6.62 7.80 7.57

11.19 8.87 11.10 11.31
3.62 2.92 3.52 3.30
10.78 9.81 12.35 11.21
7.86 5.50 6.67 8.27
3.80 3.04 3.69 3.46
4.85 3.99 4.72 4.78
14.45 13.41 16.57 16.25
10.54 7.51 8.95 11.98
5.10 4.15 4.96 5.02
25.40 26.82 25.48 31.00
0.83 0.31 0.40 0.59

0.76 0.29 0.38 0.56
1.16 1.76 2.05 1.69
1.63 1.50 1.59 1.49
0.29 0.55 0.84 0.76
-0.04 -0.39 -0.19 -0.18
0.25 0.16 0.64 0.58
7.69 4.94 18.76 17.60
42.27 29.49 41.16 36.55
4.44 3.48 11.04 11.17
30.04 -227.93 9.30 5.69
73.37 68.93 62.51 63.83
0.51 0.64 0.91 0.81
47.99 48.76 54.25 46.05

33.56 29.74 28.50 29.42
72.90 56.02 54.02 73.71
40.07 35.89 33.94 35.01
51.06 77.00 85.70 92.95
28.06 49.33 53.85 44.15
2005
75.91
79.29
79.64
76.41
79.34
83.61
89.67
86.99
94.34
94.64
100.45
103.24
Op.
Date of Vari- No of
Revenue
(mil USD)*
12/2011 ð n.a. n.a.

08/2012 ð 1.0 13.0
08/2012 ð 62.0 47.0
08/2012 ð 288.0 n.a.
12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð 1.0 n.a.
12/2011 ð n.a. n.a.

08/2012 ð 2,489.0 9,850.0
08/2012 ð <0,5 395.0
08/2012 ð 3.0 n.a.

12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
08/2012 ð 189.0 683.0

08/2012 ð 41.0 n.a.
08/2012 ð <0,5 n.a.
08/2012 ð 270.0 n.a.
08/2012 ð 2.0 n.a.
08/2012 ð n.a. 9.0
12/2011 ð n.a. n.a.
08/2012 ð 1,095.0 3,021.0
12/2011 ð n.a. n.a.
03/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ð 13.0 179.0
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 ð 49.0 n.a.

12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2009 - n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.

08/2012 ð 140.0 n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.

12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð <0,5 n.a.
08/2012 ð 42.0 n.a.
08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
08/2012 ð 2.0 n.a.
12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð 159.0 n.a.
12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ö 100,728.0 n.a.
12/2011 ð n.a. n.a.

12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 ð 113.0 n.a.

07/2012 ð 68.0 298.0
08/2012 ð 207.0 n.a.
08/2012 ð 32.0 n.a.

08/2012 ð 1,078.0 1,331.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.
08/2012 ð 2.0 1.0

08/2012 ð 215.0 n.a.
08/2012 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 ð 143.0 n.a.
08/2012 ð n.a. n.a.

08/2012 ð n.a. n.a.
12/2011 - n.a. n.a.
08/2012 ð n.a. n.a.

08/2012 ð n.a. n.a.
08/2012 ð n.a. n.a.

08/2012 ð 28.0 n.a.
08/2012 ð 160.0 n.a.
10/2012 ð 3.0 n.a.
08/2012 ð n.a. 6.0

08/2012 ð 32.0 n.a.
08/2012 ð 17.0 802.0
08/2012 ð n.a. n.a.

08/2012 ð <0,5 n.a.
08/2012 ð <0,5 n.a.
08/2012 ð <0,5 n.a.
12/2011 ð <0,5 1.0
08/2012 ð 36.0 n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.

08/2012 ð <0,5 n.a.
12/2011 ð 2.0 7.0
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.

12/2011 ð n.a. n.a.
08/2012 ð n.a. n.a.
Royal Bank of Scotland Group Plc (The)
EH2 2YE EDINBURGH BvD ID number GBSC045551

UNITED KINGDOM Index number 24762
The GUO of this controlled subsidiary is GOVERNMENT OF THE UNITED KINGDOM
Contact details
38 MOSLEY STREET Phone number +44 (131) 556 85 55

Fax number +44 (131) 557 61 40
EH2 2YE EDINBURGH Web Site Address www.rbs.co.uk
UNITED KINGDOM

Accounting Standards International Financial Nickname RBOSGIF
Accounts published in mil GBP Release Date 11/2/2012
Latest total assets 1,506,867 mil GBP Ranking (Country), 2011

Latest net income -1,969 mil GBP Ranking (Country), rolling
Market cap. 16,851.1 mil GBP
(13/11/2012) World rank, 2011
shareholders
No of recorded 418
subsidiaries
Companies
Peer Group
Size 178
information.
Country ratings (UNITED KINGDOM, as at 14/11/2012)
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
mil GBP mil GBP mil GBP mil GBP
BALANCE SHEET
Assets
Loans 515,606.0 555,260.0 728,393.0 874,722.0
Gross Loans 535,366.0 573,315.0 745,519.0 885,611.0
Other Earning Assets 849,430.0 783,048.0 836,905.0 1,446,335.0
Derivatives 529,618.0 427,077.0 441,454.0 992,559.0
Fixed Assets 7,400.0 12,373.0 14,514.0 15,081.0
Total Assets 1,506,867.0 1,453,576.0 1,696,486.0 2,401,652.0

Deposits & Short term funding 680,648.0 703,531.0 893,247.0 1,072,063.0
Derivatives 523,983.0 423,967.0 424,141.0 971,364.0
Other Reserves 2,239.0 2,288.0 2,963.0 2,032.0
Equity 76,053.0 76,851.0 94,631.0 80,498.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Other Operating Income 11,414.0 12,074.0 11,440.0 354.0
Statement
Overheads 17,085.0 18,218.0 19,202.0 18,154.0
Other -533.0 680.0 4,817.0 -15,934.0
Profit before Tax -766.0 -399.0 -2,647.0 -25,691.0
Tax 1,250.0 634.0 -429.0 -2,167.0
Net Income -1,969.0 -1,666.0 -2,323.0 -34,542.0
Dividend Paid n.a. 0.0 0.0 2,312.0

Tier 1 Ratio 13.00 12.90 14.10 10.00
Total Capital 60,708.0 65,289.0 87,245.0 98,175.0
Tier 1 Capital 56,990.0 60,124.0 76,421.0 69,847.0
Net-Charge Offs 4,000.0 5,631.0 6,153.0 2,829.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Net Gains (Losses) on Other Securities n.a. n.a. n.a. n.a.
Statement
Net Insurance Income 1,288.0 345.0 909.0 1,792.0
Other Operating Income 2,501.0 1,230.0 822.0 1,176.0
Total Non-Interest Operating Income 11,414.0 12,074.0 11,440.0 354.0

Pre-Impairment Operating Profit 7,008.0 8,065.0 5,626.0 -2,318.0
Securities and Other Credit Impairment Charges 1,468.0 112.0 809.0 n.a.
Operating Profit -1,701.0 -1,191.0 -8,273.0 -9,757.0

Non-recurring Income 255.0 553.0 3,790.0 0.0
Non-recurring Expense 941.0 10.0 363.0 16,911.0
Change in Fair Value of Own Debt 1,621.0 249.0 51.0 977.0
Other Non-operating Income and Expenses n.a. n.a. 2,148.0 n.a.
Pre-tax Profit -766.0 -399.0 -2,647.0 -25,691.0
Tax expense 1,250.0 634.0 -429.0 -2,167.0
Profit/Loss from Discontinued Operations 47.0 -633.0 -105.0 -11,018.0
Net Income -1,969.0 -1,666.0 -2,323.0 -34,542.0
Change in Value of AFS Investments 2,258.0 -389.0 2,016.0 -7,406.0

Revaluation of Fixed Assets n.a. 0.0 0.0 0.0
Currency Translation Differences -440.0 81.0 -3,300.0 15,425.0
Remaining OCI Gains/(losses) -629.0 1,303.0 -2,551.0 -957.0
Fitch Comprehensive Income -780.0 -671.0 -6,158.0 -27,480.0
Memo: Profit Allocation to Non-controlling Interests 28.0 -665.0 349.0 -10,832.0
Memo: Net Income after Allocation to Non- -1,997.0 -1,125.0 -3,607.0 -24,306.0
Memo: Common Dividends Relating to the Period n.a. 0.0 0.0 2,312.0
Balance Sheet
Assets
Loans
Other Loans 62,285.0 53,621.0 43,262.0 45,682.0
Net Loans 515,606.0 555,260.0 728,393.0 874,722.0
Gross Loans 535,366.0 573,315.0 745,519.0 885,611.0
Derivatives 529,618.0 427,077.0 441,454.0 992,559.0
At-equity Investments in Associates n.a. n.a. n.a. n.a.
Total Securities 793,321.0 709,362.0 763,333.0 1,345,209.0
Non-earning Assets
Fixed Assets 7,400.0 12,373.0 14,514.0 15,081.0
Goodwill n.a. n.a. 14,264.0 15,562.0
Current Tax Assets n.a. n.a. n.a. n.a.
Discontinued Operations 25,450.0 12,484.0 18,542.0 1,581.0
Other Assets 10,976.0 12,576.0 20,985.0 24,402.0
Total Assets 1,506,867.0 1,453,576.0 1,696,486.0 2,401,652.0
Repos and Cash Collateral 39,691.0 n.a. n.a. n.a.
Total Deposits, Money Market and Short-term 680,648.0 703,531.0 893,247.0 1,072,063.0
Funding
Derivatives 523,983.0 423,967.0 424,141.0 971,364.0
Total Funding 1,368,416.0 1,328,204.0 1,531,692.0 2,265,345.0
Current Tax Liabilities n.a. n.a. n.a. 585.0
Other Deferred Liabilities n.a. n.a. n.a. 7,640.0
Discontinued Operations 23,995.0 9,428.0 18,890.0 n.a.
Hybrid Capital
Debt
Equity
Equity
Common Equity 66,388.0 68,437.0 68,407.0 41,839.0
Non-controlling Interest 686.0 1,171.0 16,239.0 19,798.0
Securities Revaluation Reserves -957.0 -2,037.0 -1,755.0 -3,561.0
Foreign Exchange Revaluation Reserves 4,775.0 5,138.0 4,528.0 6,385.0
Fixed Asset Revaluations and Other Accumulated -131.0 -1,150.0 -1,290.0 -706.0
OCI
Total Equity 70,761.0 71,559.0 86,129.0 63,755.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Operating Profit/ Average Equity% -2.38 -1.55 -14.44 -16.67
Operating Profit/ Average Total Assets% -0.11 -0.07 -0.41 -0.48
Assets%
Operating Profit / Risk Weighted Assets% -0.39 -0.26 -1.53 -1.40
Net Income/ Average Total Equity% -2.76 -2.17 -4.05 -59.00
Net Income/ Average Total Assets% -0.13 -0.10 -0.11 -1.69
Fitch Comprehensive Income/ Average Total Equity -1.09 -0.87 -10.75 -46.94
%
Fitch Comprehensive Income/ Average Total Assets -0.05 -0.04 -0.30 -1.35
%
Securitized Assets%
Net Income/ Risk Weighted Assets% -0.45 -0.36 -0.43 -4.96
Fitch Comprehensive Income/ Risk Weighted Assets -0.18 -0.14 -1.14 -3.95
%
Capitalization
Cash Dividends Paid & Declared/ Net Income% n.a. 0.00 0.00 -6.69
Cash Dividend Paid & Declared/ Fitch n.a. 0.00 0.00 -8.41
Net Income - Cash Dividends/ Total Equity% -2.78 -2.33 -2.70 -57.81
Loan Quality
Growth of Total Assets% 3.67 -14.32 -29.36 26.37
%
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 25,032.0 31,070.0 36,579.0 49,262.0

balance sheet
Average Loans 561,826.2 625,441.4 710,726.0 714,790.0
Average Earning Assets 1,361,565.6 967,313.0 1,043,587.0 1,312,648.0
Average Assets 1,485,478.6 1,672,204.0 2,023,480.0 2,040,685.0
Average Interest-Bearing Liabilities 1,361,283.4 894,153.0 1,149,802.0 1,298,960.0
Average Equity 71,469.6 76,906.0 57,303.0 58,544.0
Maturities
Loans & Advances 3 - 12 Months n.a. n.a. 227,745.0 338,751.0


Interbank 3 - 12 Months n.a. n.a. 89,622.0 133,565.0
Interbank 1 - 5 Years n.a. n.a. 2,131.0 4,632.0

Retail Deposits 3 - 12 Months n.a. n.a. 586,628.0 611,047.0
Retail Deposits 1 - 5 Years n.a. n.a. 27,574.0 28,465.0

Interbank 3 - 12 Months n.a. n.a. 135,641.0 248,896.0
Interbank 1 - 5 Years n.a. n.a. 6,503.0 9,148.0

Senior Debt Maturing > 5 Years 43,318.0 52,369.0 38,991.0 n.a.
Net Income -1,969.0 -1,666.0 -2,323.0 -34,542.0
Published Net Income -1,969.0 -1,666.0 -2,323.0 -34,542.0
Equity 70,761.0 71,559.0 86,129.0 63,755.0
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on -4,810.0 -2,950.0 -2,798.0 -2,823.0
the B/S- CC only
Non-loss-absorbing non-controlling interests 686.0 1,171.0 16,239.0 19,798.0
Goodwill 0.0 0.0 14,264.0 15,562.0
securitizations

Borrowing
Securities
Trading Assets - Debt Securities (where no issuer n.a. 98,869.0 111,413.0 116,280.0
breakdown)
Trading Assets - Debt Securities - Governments n.a. 64,277.0 68,705.0 52,750.0
Trading Assets - Debt Securities - Banks n.a. 5,778.0 6,103.0 11,021.0
Trading Assets - Debt Securities - Corporates n.a. 6,590.0 6,892.0 11,057.0
Trading Assets - Debt Securities - Structured n.a. 21,988.0 28,820.0 39,879.0
Trading Assets - Equities n.a. 19,186.0 11,318.0 17,054.0
Debt Sec. designated at FV through the Income n.a. 402.0 2,409.0 4,972.0
Debt Securities designated at FV through the n.a. 263.0 510.0 3,067.0
Debt Securities designated at FV through the n.a. 3.0 418.0 89.0
Debt Securities designated at FV through the n.a. 16.0 1,087.0 1,580.0
Debt Securities designated at FV through the n.a. 119.0 394.0 236.0
Equity Securities designated at FV through the n.a. 1,013.0 2,083.0 2,101.0
Income Statement
Trading Assets - Other n.a. 237.0 913.0 456.0
Total Trading Assets at FV through the Income n.a. 119,707.0 128,136.0 140,863.0
Statement
breakdown)
AFS Assets - Banks n.a. 7,198.0 7,472.0 13,139.0
AFS Assets - Corporates n.a. 2,011.0 2,550.0 5,400.0
AFS Assets - Structured n.a. 42,515.0 50,464.0 62,067.0
AFS Assets - Other n.a. 17.0 30.0 2,288.0
Total AFS Assets 109,274.0 113,129.0 146,191.0 140,031.0
HTM - Debt Securities (where no issuer breakdown) n.a. 7,079.0 9,871.0 12,985.0

HTM Assets - Banks n.a. 15.0 0.0 114.0
HTM Assets - Corporates n.a. 848.0 1,853.0 3,749.0
HTM Assets - Structured n.a. 6,203.0 7,924.0 8,961.0
Total Debt Securities - Banks n.a. 12,994.0 17,796.0 24,363.0
Total Debt Securities - Corporates n.a. 9,465.0 13,288.0 21,786.0
Total Debt Securities - Structured n.a. 70,825.0 88,182.0 111,143.0
Asset Quality Data

Net Charge-offs
Recoveries 527.0 411.0 325.0 319.0
Net Charge-offs 4,000.0 5,631.0 6,153.0 2,829.0
Reserves

Capital
Eligible Capital

dividends
Treasury Shares 769.0 808.0 121.0 104.0
Non-controlling Interest 686.0 1,171.0 16,239.0 19,798.0
Valuation Reserves for AFS Securities in OCI Total -957.0 -2,037.0 -1,755.0 -3,561.0
Valuation Reserves for FX in OCI 4,775.0 5,138.0 4,528.0 6,385.0
Total Valuation Reserves in OCI 3,818.0 3,101.0 2,773.0 2,824.0
Cash Flow Hedge Reserve 879.0 -140.0 -252.0 -876.0
Other OCI Reserves 12,212.0 12,262.0 24,484.0 11,051.0
Total OCI Reserves 16,909.0 15,223.0 27,005.0 12,999.0
Total Other Equity Reserves 16,909.0 15,223.0 27,005.0 12,999.0
Interests
Non-controlling Minority Interest - not loss- n.a. 1,163.0 16,231.0 19,798.0
absorbing

Total Dividends Related to Period n.a. n.a. n.a. 2,312.0
Total Dividends Paid and Declared in Period n.a. 0.0 0.0 2,312.0
Capital
Intangibles to be deducted from Core Capital 14,858.0 14,448.0 17,847.0 20,049.0
Regulatory Capital

II
Equity Investments deducted from Regulatory 4,593.0 4,280.0 4,472.0 4,044.0
Capital
Unencumbered Securities 793,321.0 709,362.0 763,333.0 1,345,209.0
deposits
banks

loans

Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 13.00 12.90 14.10 10.00
Equity / Net Loans 14.75 13.84 12.99 9.20
Operations
Pre-Tax Op Inc / Avg Assets -0.02 -0.07 -0.36 -0.45
Return On Avg Assets (ROAA) -0.13 -0.11 -0.11 -1.61
Return On Avg Equity (ROAE) -2.58 -1.94 -2.65 -40.18
Dividend Pay-Out n.a. 0.00 0.00 -6.69
Inc Net Of Dist / Avg Equity n.a. -1.94 -2.65 -42.87
Liquidity
Interbank Ratio 76.57 101.75 64.55 53.56
General information

Current market capitalisation (th GBP): 16,851,099

ISIN number: GB00B7T77214
SEDOL number: B7T7721
Ticker symbol: RBS
Nominal value (GBP): 0.25
Stock exchange(s) listed: London Stock Exchange

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Munchen
Boerse Stuttgart
Euronext Amsterdam
US Exchange
XETRA
Stock index information: FTSE 100 - UNITED KINGDOM
FTSE 350 - UNITED KINGDOM
FTSE AIM 100 - UNITED KINGDOM
FTSE ALL-SHARE - UNITED KINGDOM
IPO date: 7/10/1968
Market price - Year (GBP) 2012 2011 2010 2009 2008 2007

Market price - March 2.76 4.08 4.40 2.45 33.72 66.13
Market price - April 2.43 4.15 5.44 4.18 34.50 64.33
Market price - May 2.00 4.26 4.67 3.82 22.85 62.75
Current market price (GBP)

Price trends (%)

BETA
Reference index 1: FTSE 100



Reference index 4: FTSE AIM 100

Reference index 5: FTSE ALL-SHARE


Date News
1 05/11/2012 Viewpoint subject to MBO (deal no. 1601417672)
2 26/10/2012 Selden acquires Jeyes Group Professional Cleaning Brand (deal
no. 1601415137)
4 12/10/2012 Santander withdraws offer for Royal Bank of Scotland's UK-based
branch business (deal no. 1601112347)
1601312462)
6 14/09/2012 Royal Bank of Scotland new shares submitted to trading (deal no.
1601401552)
7 11/09/2012 Teekay Offshore Partners prices public offering (deal no.
1601402118)
8 05/09/2012 Teekay LNG Partners prices public offering (deal no. 1601400733)
9 04/09/2012 Silverwing Group subject to management buy-out (deal no.

1601399652)
10 04/09/2012 British Land announces convertible bond offering (deal no.
1601399862)
11 03/09/2012 Hibu in restructuring talks: FT (deal no. 1601399390)
12 03/09/2012 Hibu could be taken over by creditors in debt for equity swap
(deal no. 1601399390)
13 29/08/2012 Industrial Opportunity Partners acquires Aarrowcast (deal no.
1601398500)
14 24/08/2012 Mouchel Group shareholders reject restructuring plan (deal no.
1601391477)
15 15/08/2012 InfraRed acquires 3 ground-mounted solar parks (deal no.
1601395339)
16 02/08/2012 Mouchel in debt restructuring deal (deal no. 1601391477)
17 31/07/2012 Taubman Centers prices underwritten public offering (deal no.
1601391585)
18 27/07/2012 LGV Capital and Hutton Collins acquired Novus Leisure (deal no.
1601276115)
19 12/07/2012 Terra Firma completes acquisition of Four Seasons (deal no.
1601342167)
20 09/07/2012 Qatar and Abu Dhabi investors ‘bidding for Marriott hotels in UK’
(deal no. 1601385301)
21 08/07/2012 Preferred bidder of 42 Marriott hotels confirmed as Abu Dhabi
Investment Authority (deal no. 1601396738)
22 08/07/2012 Abu Dhabi named preferred bid for 42 Marriott hotels; Qatar puts
in highest bid (deal no. 1601385301)
23 27/06/2012 Associated Estates Realty closes public offering (deal no.
1601381750)
24 26/06/2012 Board of Eniro completes capital increase (deal no. 1601367994)
25 18/06/2012 Colborne Garages acquires Hadley Green Garage's trade and

26 04/06/2012 Sumitomo Mitsui Banking Corporation acquires RBS Aviation (deal
no. 1601050398)
27 01/06/2012 Royal Bank of Scotland may sell stake in Airtrain Citylink (deal
no. 1633078970)
28 29/05/2012 Flowrite Services acquired in MBO (deal no. 1601383763)
29 23/05/2012 E.ON’s Energy from Waste unit sale ‘fails to impress’ (deal no.
1601285460)
30 21/05/2012 Jurys Inn to receive funding: Sunday Times (deal no.
1601371608)
31 21/05/2012 Thomas Cook UK to sell stake in Thomas Cook (India) (deal no.
1633059925)
32 20/05/2012 Jurys Inn may receive investment and reduction of debt (deal no.
1601371608)
33 16/05/2012 Mr Rakesh Jhunjhunwala purchases stake in Prime Focus (deal
no. 1633076385)
34 14/05/2012 Primary Capital backs Leisure Pass MBO (deal no. 1601370110)
35 09/05/2012 Ahold announces closing of Bol.com's acquisition (deal no.

1601171099)
36 07/05/2012 Royal Bank of Scotland Group purchases stake in HCL
Technologies (deal no. 1633075002)
37 07/05/2012 Infinity Wireless and management complete buy out of consumer
electronics division of LM Technologies (deal no. 1601378858)
38 01/05/2012 RBS M&A business to be spun off: report (deal no. 1601333177)
39 01/05/2012 APN Outdoor acquires outdoor business in Australia, New Zealand

and Indonesia from APN News & Media in IBO (deal no.
1633065366)
40 26/04/2012 Terra Firma acquires Garden Centre Group (deal no.

1601283049)
41 25/04/2012 TKH withdraws first bid for Augusta Technologie (deal no.
1601358790)
42 25/04/2012 RBS may spin off M&A unit (deal no. 1601364913)
43 25/04/2012 TKH extends offer period in Augusta further (deal no.
1601365008)
44 23/04/2012 Voyage Healthcare acquires Solor Care (deal no. 1601364136)
45 20/04/2012 Bank of Tokyo-Mitsubishi UFJ acquires Australian public private
partnerships business from Royal Bank of Scotland Group (deal
no. 1633073141)
46 18/04/2012 SGL Carbon places convertible loan notes with institutional

47 17/04/2012 SandRidge Energy completes acquisition of Dynamic Offshore
Resources (deal no. 1601339510)
48 16/04/2012 Daisy Group completes acquisition of Worldwide Group (deal no.
1601278674)
49 13/04/2012 Daisy Group to buy Worldwide Group Holdings (deal no.
1601278674)
50 11/04/2012 CVC Capital Partners and The Royal Bank of Scotland sell shares
in Samsonite International (deal no. 1601360200)
Source : Zephyr
Boards & committees

= also shareholder
1. Sir Philip Roy Hampton - Chairman of the Board BoD FT, RE
P003251699 (since 03/02/2009)
- Director (since 19/01/2009) BoD DB, RT
- Chairman of the Nominations NomC WW
Committee
2. Sir Alexander Maxwell Crombie - Director (since 01/06/2009) BoD DB, RT
P006320231
3. Sir Sandy Crombie - Non-Executive Member of the BoD FT, RE, WW
P115946206 Board of Directors; Senior
Independent Non-Executive
Director (since 01/06/2009)
Committee
- Member of the Nominations NomC WW
Committee
- Member of the Board Risk WW
Committee
- Member of the Group OthBC WW
Sustainability Committee
4. Miss Alison Davis - Independent Non-Executive BoD DB, FT, RE,
P065807135 Director (since 01/08/2011) RT, WW
Committee
Committee
5. Mr. Anthony Di Iorio - Director (since 01/09/2011) BoD DB, RT
P046792535
6. Mr. Tony Di Iorio - Non-Execuitve Member of the BoD RE, WW
P100880005 Board of Directors; Independent
Non-Executive Director
(since 01/09/2011)
- Member of the Group Audit AudC WW
Committee
Committee
- Member of the Board Risk OthBC WW
Committee
7. Mr. Stephen Alan Michael Hester - Director (since 01/10/2008) BoD DB, RT, WW
Committee
7.
Committee
- Member of the Management OthBC WW
Committee
8. Mrs. Penelope Lesley Hughes - Independent Non-Executive BoD DB, FT, JO,
P004043928 Director (since 01/01/2010) RE, RT, VI,
WW
- Chairman of the Remuneration RemC VI, WW

Committee
Committee
9. Mr. Joseph Patrick MacHale - Independent Non-Executive BoD DB, FT, JO,
P003263447 Director (since 01/09/2004) RE, RT, WW
Committee
Committee
10. Mr. Brendan Robert Nelson - Independent Non-Executive BoD DB, FT, JO,
WW
- Chairman of the Group Audit AudC VI, WW

Committee
Committee
Committee
11. Baroness Sheila Valerie Noakes - Independent Non-Executive BoD DB, FT, RE,
P003646291 Director (since 01/08/2011) RT, VI, WW
- Member of the Group Audit AudC VI, WW
Committee
- Member, Group Nominations NomC VI, WW
Committee
- Member of the Board Risk OthBC VI, WW
Committee; Member, Board Risk
Committee
12. Mr. Arthur Frederick Ryan - Independent Non-Executive BoD DB, FT, JO,
P006320433 Director (since 01/10/2008) RE, RT, WW
Committee
Committee
13. Mr. Philip Gordon Scott - Independent Non-Executive BoD DB, FT, JO,
WW

Committee
- Chairman of the Board Risk WW
Committee
14. Mr. Bruce Winfield Van Saun - Group Finance Director, Executive BoD FT, RE, WW
P011067347 Director (since 01/10/2009)
- Director (occupation: Bank BoD DB, RT

Official) (since 01/10/2009)
Committee
Committee
15. Miss Aileen Norma Taylor - Group Secretary BoD DB, RE, RT,
P046916332 (since 30/04/2010) WW
16. Mrs. Ellen R Alemany - Member of the Executive ExeB WW
P061533662 Committee (since 08/2012)
Committee
17. Mr. Nathan Mark Bostock - Member of the Executive ExeB WW
Committee; Member of the Group
18. Mr. Paul Robert Geddes - Member of the Executive ExeB WW
19. Mr. John Patrick Hourican - Member of the Executive ExeB WW
20. Mr. Ross McEwan - Member of the Executive ExeB WW
21. Mr. Christopher Paul Sullivan - Member of the Executive ExeB WW
Sustainability Committee;
Member of the Management
Committee
22. Mr. Ronald Teerlink - Member of the Executive ExeB WW
Committee
23. Miss Elaine Arden - Member of the Management OthBC WW
P082162710 Committee; Member of the Group
24. Mr. James Alexander Brown - Member of the Management OthBC WW
P095921831 Committee (Chief Executive,
Ulster Bank)
25. Mr. Christopher Robert James - Member of the Management OthBC WW
Campbell Committee; Member of the Group
P039814542 Sustainability Committee
26. Mr. Mark Catton - Member of the Management OthBC WW
27. Mr. Andrew Cave - Member of the Group OthBC WW
28. Mr. Nicholas Crapp - Member of the Management OthBC WW
29. Mr. Rory Malcolm Cullinan - Member of the Management OthBC WW
30. Mr. John James Cummins - Member of the Management OthBC WW
31. Mr. Steve Davidson - Member of the Management OthBC WW
P130046283 Committee; Chairman of the Risk
Committee
32. Mr. Kevin Hanley - Member of the Management OthBC WW
33. Mr. Suneel Kamlani - Member of the Management OthBC WW
P011453643 Committee (Chairman of Markets
& International Banking,
Americas)
34. Mr. Richard Kibble - Member of the Management OthBC WW
35. Mr. Leslie Durno Matheson - Member of the Group OthBC WW
36. Mr. Robert D. Matthews Jr. - Member of the Group OthBC WW
37. Mr. John McCormick - Member of the Management OthBC WW
P128489651 Committee (CEO Markets &
International Banking APAC)
38. Dr Andrew Martin McLaughlin - Member of the Management OthBC WW
39. Mr. Peter Westring Nielsen - Member of the Management OthBC WW
40. Dr John Martin Owen - Member of the Management OthBC WW
P056364930 Committeee
41. Miss Caroline Mary Anne Rainbird - Member of the Group OthBC WW
P062959758
42. Mr. Nicholas Rory Tapner - Member of the Management OthBC WW
43. Mr. Andrew Wilson - Member of the Group OthBC WW
Management & staff

= also shareholder
1. Mrs. Ellen R Alemany - Chief Executive - Citizens and SenMan RE
P061533662 Head of Americas
2. Mr. Paul Robert Geddes - Chief Executive - Rbs Insurance SenMan RE
P009532496 (since 08/2009)
3. Mr. Brian C Hartzer - Chief Executive - Uk Retail, SenMan RE
P048855917 Wealth and Ulster Bank
(since 08/2009)
4. Mr. Stephen Alan Michael Hester - Director (since 01/10/2008) SenMan DB, RT, WW
P003319866 - Group Chief Executive, Executive SenMan FT, RE
- Group Chief Executive - Executive SenMan JO

Contact
5. Mr. John Patrick Hourican - Chief Executive - Markets & SenMan RE
P047091055 International Banking
(since 01/2012)
6. Mr. Christopher Paul Sullivan - Chief Executive - Uk Corporate SenMan RE
P006320449 Banking & Gts Division
(since 08/2009)
7. Sir Alexander Maxwell Crombie - Director (since 01/06/2009) SenMan DB, RT
P006320231
8. Mr. Anthony Di Iorio - Director (since 01/09/2011) SenMan DB, RT
P046792535
9. Sir Philip Roy Hampton - Director (since 19/01/2009) SenMan DB, RT
P003251699 - Chairman - Executive Contact SenMan JO
10. Mr. Bruce Winfield Van Saun - Group Finance Director, Executive FinAcc FT, RE, WW
10. - Group Finance Director, Executive FinAcc FT, RE, WW
P011067347 Director (since 01/10/2009)
- Director (occupation: Bank SenMan DB, RT

Official) (since 01/10/2009)
- Group Finance Director - SenMan, DB, JO
Executive Contact FinAcc
11. Miss Aileen Norma Taylor - Group Secretary SenMan DB, RE, RT,
P046916332 (since 30/04/2010) WW
- Company Secretary - Non-Exec SenMan, JO
Contact OthDep
12. Mr. Nathan Mark Bostock - Head - Restructuring & Risk OthDep RE
P058161443
13. Mr. Jeremy Abbott - Senior decision maker contact; SenMan DB
P068923206 Senior Manager International &
Multi-Currency Propositions
14. Mr. Jitendra Gupta - Administrative contact; Unix AdmDep DB
P134488635 System Administrator
15. Miss Elaine Arden - Human Resources Manager HR DB
P082162710
16. Mr. Kessy Cremer - Sales Manager Sales DB
P128855685
17. Miss Jennifer Arnott - Marketing Manager MarkAdv DB
P128855680
18. Mr. Stuart Ballantyne - Engineering contact R&D DB
P128855683
19. Mr. Martin Birks - Operations contact Oper DB
P131065244
20. Miss Alison Elworthy - Fleet contact; Strategy and Oper DB
P128855682 Logistics Manager
21. Miss Sarah Gallaway - Purchasing contact Proc DB
P128855679
22. Mr. Satish Doranahalli - Computer Manager IT&IS DB
P131065243
23. Mr. Gunawan Husin - Head of the Business Community OthDep DB
P130290834 and Management Department;
Other functions contact

Op.
(mil USD)*
GOVERNMENT OF THE UNITED KINGDOM GB S 100.00 100.00 AR 12/2010 - -
(Domestic and Global UO)
HER MAJESTY DEPARTMENT OF TREASURY GB S - 65.43 SE 06/2012 - -
ROYAL BANK OF SCOTLAND GROUP PLC GB B 37,250.0 146,800
(THE)
Ownership Source


1. PIKE INVESTMENT UK LIMITED GB 100.00 100.00 1 - IP 05/2010
2. RBSG CAPITAL CORPORATION US 100.00 100.00 1 - WW 01/2010
3. ROYAL BANK OF SCOTLAND PLC (THE) GB 100.00 100.00 1 - RM 12/2011
4. WILLIAMS & GLYN'S (NEDERLAND) B.V. NL 100.00 100.00 1 - IP 06/2012
5. ARKIVBORGEN KB SE - 100.00 1 - WW 01/2010
6. BACKSMEDJAN KB SE - 100.00 1 - WW 01/2010
7. BRAHEBERGET KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
8. BREDBYN I OVIK KB SE - 100.00 1 - WW 01/2010
9. BRÖDMAGASINET KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
10. CITIZENS FINANCIAL GROUP INC. US - 100.00 1 - RM 12/2011
11. COUTTS & CO GB - 100.00 1 - RM 12/2011
12. COUTTS & CO LTD CH - 100.00 1 - RS 12/2011
13. DALKLOCKAN 1 KB SE - 100.00 1 - WW 01/2010
24. DALTREAN KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
25. DIRECT LINE INSURANCE LIMITED GB - 100.00 1 - RM 12/2011
26. DRENGSRUDHAGEN KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
27. EUROHILL 4 KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
28. FASTIGHETSBOLAGET BLANKA SE - 100.00 1 - WW 01/2010
KOMMANDITBOLAG
29. FERMATEN KB SE - 100.00 1 - WW 01/2010
30. FIRST ACTIVE HOLDINGS LIMITED IE - 100.00 1 - WW 01/2010
31. FIRST ACTIVE MORTGAGE CORPORATION IE - 100.00 1 - WW 01/2010
PUBLIC LIMITED COMPANY
32. FIRST ACTIVE NOMINEES LIMITED IE - 100.00 1 - WW 01/2010
33. FORSKNINGSHÖJDEN KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
34. FORVALTNINGSBOLAGET DALKYRKAN KB SE - 100.00 1 - WW 01/2010

35. FORVALTNINGSBOLAGET MOSJO SKOLA KB SE - 100.00 1 - WW 01/2010
36. FOUNTAINHEAD CONSULTANTS LTD VG - 100.00 1 - WW 01/2010

37. FÖRVALTNINGSBOLAGET PREDIO 10 SE - 100.00 1 - WW 01/2010
HANDELSBOLAG
38. FÖRVALTNINGSBOLAGET PREDIO 3 SE - 100.00 1 - WW 01/2010
KOMMANDITBOLAG
39. FÖRVALTNINGSBOLAGET UPPHALL SE - 100.00 1 - WW 01/2010
KOMMANDITBOLAG
40. GRINNHAGEN KB SE - 100.00 1 - WW 01/2010
41. GÅRDLUNDABJÖRNEN KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
42. HANTVERKAREN 12 KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010

43. HORRSTA 4:38 KB SE - 100.00 1 - WW 01/2010
44. IT'S FARSTA KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
45. JUNGFRUHOLMEN HB SE - 100.00 1 - WW 01/2010
46. KARLBERGA KB SE - 100.00 1 - WW 01/2010
47. KB BASTUPLAN SE - 100.00 1 - WW 01/2010
48. KB IR GAMLESTADEN SE - 100.00 1 - WW 01/2010
49. KB LAGERMANNEN SE - 100.00 1 - WW 01/2010
50. KB LIKRIKTAREN SE - 100.00 1 - WW 01/2010
51. KOMMANDITBOLAGET EUROHILL SE - 100.00 1 - WW 01/2010
52. LERUMSKRYSSET KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
53. LIMSTAGARDEN KB SE - 100.00 1 - WW 01/2010
54. LÄKTEN 1 KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
55. MJALGEN KB SE - 100.00 1 - WW 01/2010
56. NATIONAL WESTMINSTER BANK PLC - GB - 100.00 1 - RM 12/2011
NATWEST
57. NATIONAL WESTMINSTER FINANCE AU - 100.00 1 - WW 01/2010
AUSTRALIA PTY LIMITED
58. NATIONAL WESTMINSTER REINSURANCE IE - 100.00 1 - WW 01/2010
LIMITED
59. NATIONAL WESTMINSTER SERVICES IE - 100.00 1 - WW 01/2010
(IRELAND) LIMITED
60. NATURBRUKSGYMNASIET I ÄLVDALEN SE - 100.00 1 - WW 01/2010
KOMMANDITBOLAG
61. NORDISK RENTING HANDELSBOLAG SE - 100.00 1 - WW 01/2010
62. NÄSSJÖTERMINALEN KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
63. RBS DEUTSCHLAND HOLDINGS GMBH DE - 100.00 1 - WW 01/2010
64. RBS NETHERLANDS HOLDINGS B.V. NL - 100.00 1 - WW 01/2010
65. RBS SECURITIES INC US - 100.00 1 - RM 12/2011
66. REDLION INVESTMENTS LIMITED KY - 100.00 1 - WW 01/2010
67. ROUGE 2004 LTD GB - 100.00 1 - WW 01/2010
68. SJOKLOCKAN KB SE - 100.00 1 - WW 01/2010
69. SKINNARANGEN KB SE - 100.00 1 - WW 01/2010
70. SKURUPSVARME KB SE - 100.00 1 - WW 01/2010
71. SOLBANKEN KB SE - 100.00 1 - WW 01/2010
72. THEOBALD FILM PRODUCTIONS LLP GB - 100.00 1 - WW 01/2010
73. TINGSBROGÅRDEN KOMMANDITBOLAG SE - 100.00 1 - WW 01/2010
74. TOPAZ FINANCE PLC GB - 100.00 1 - WW 01/2010
75. TYGVERKSTADEN 1 KB SE - 100.00 1 - WW 01/2010
76. ULSTER BANK LIMITED GB - 100.00 1 - RM 12/2011
77. VANSBRO FJARRVARME KB SE - 100.00 1 - WW 01/2010
78. VANSBROVIKEN KB SE - 100.00 1 - WW 01/2010
79. VERT 2004 LTD GB - 100.00 1 - WW 01/2010
80. WEST REGISTER NUMBER 2 LIMITED GB - 100.00 1 - SE 06/2012
81. RBS HOLDINGS NV NL - 98.00 1 - RM 12/2011
82. GREENOCK HOLDING NO.2 LIMITED GB WO WO 1 - IP 08/2012
83. RBS CI LIMITED GB WO WO 1 - IP 05/2012
84. RBS LIFE HOLDINGS LIMITED GB WO WO 1 - IP 05/2012
85. RBS RESIDENTIAL VENTURE NO.2 LIMITED GB WO WO 1 - IP 05/2012
86. RBS SEMPRA COMMODITIES LLP GB WO WO 1 - IP 09/2012

87. THE ROYAL BANK OF SCOTLAND GROUP GB WO WO 1 - IP 08/2012
INDEPENDENT FINANCIAL SERVICES
LIMITED
88. ROYAL BANK OF SCOTLAND NV (THE)-RBS NL - WO 1 - IP 09/2012

NV
89. RFS HOLDINGS B.V. NL 97.70 n.a. 1 - SE 12/2011
90. DIRECT LINE INSURANCE GROUP PLC GB 65.30 n.a. 1 - OS 10/2012
91. NATIONAL WESTMINSTER INTERNATIONAL NL >50.00 >50.00 1 - IP 10/2011
HOLDINGS BV
92. RBSG COLLECTIVE INVESTMENTS GB >50.00 >50.00 1 - IP 10/2011
HOLDINGS LIMITED
93. THE ROYAL BANK OF SCOTLAND PLC ES >50.00 n.a. 1 - IP 08/2012
SUCURSAL EN ESPAÑA
94. ADAM & COMPANY GROUP PLC GB - MO 1 - RS 12/2011
95. CITIZENS CHARITABLE FOUNDATION US MO n.a. 1 - IP 06/2011
96. COMMUNICATIONS CAPITAL GROUP, LLC US MO n.a. 1 - IP 07/2012
97. CORPORATION WORLDPAY CANADA CA MO n.a. 1 - IP 06/2011
98. GREATBANC FINANCIAL SERVICES INC US MO n.a. 1 - IP 07/2012
99. JSA FINANCIAL CORP US MO n.a. 1 - IP 07/2012
100. MINUTEMAN INVESTMENTS CORPORATION US - MO 1 - IP 07/2012
6 85 55
7 61 40
n Europe)
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Unqualified Unqualified Unqualified Audited Unqualified
Original Original Original Original Restated
31/12/2008 31/12/2007 31/12/2006 31/12/2005 01/01/2005
mil GBP mil GBP mil GBP mil GBP mil GBP
874,722.0 829,250.0 466,893.0 417,226.0 379,791.0

885,611.0 835,691.0 470,828.0 421,113.0 383,931.0
10,889.0 6,441.0 3,935.0 3,887.0 4,140.0
1,446,335.0 907,983.0 350,418.0 302,054.0 260,802.0
138,197.0 219,460.0 82,606.0 70,587.0 65,691.0
992,559.0 337,410.0 116,681.0 95,663.0 89,925.0
293,879.0 347,682.0 146,246.0 135,804.0 105,186.0
21,700.0 3,431.0 4,885.0 n.a. n.a.
2,321,057.0 1,737,233.0 817,311.0 719,280.0 640,593.0
15,081.0 15,319.0 13,535.0 18,053.0 16,425.0
65,514.0 147,967.0 40,586.0 39,494.0 39,512.0
2,401,652.0 1,900,519.0 871,432.0 776,827.0 696,530.0
1,072,063.0 1,150,740.0 558,322.0 453,274.0 418,193.0

639,512.0 682,365.0 384,222.0 342,867.0 312,167.0
258,044.0 312,633.0 132,143.0 110,407.0 106,026.0
174,507.0 155,742.0 41,957.0 n.a. n.a.
1,200,577.0 578,933.0 239,248.0 259,120.0 184,687.0
971,364.0 332,060.0 118,112.0 96,438.0 92,153.0
54,277.0 91,021.0 49,476.0 43,988.0 n.a.
174,936.0 155,852.0 71,660.0 118,694.0 92,534.0
46,482.0 78,924.0 26,380.0 23,154.0 55,350.0
2,032.0 496.0 1,992.0 3,735.0 7,327.0
80,498.0 91,426.0 45,490.0 37,544.0 30,973.0
2,401,652.0 1,900,519.0 871,432.0 776,827.0 696,530.0
21,261.0 10,327.0 6,230.0 5,937.0 5,888.0

10,889.0 6,441.0 3,935.0 3,887.0 4,140.0
291,460.0 479,388.0 201,047.0 80,884.0 76,093.0
20,049.0 48,492.0 18,904.0 19,932.0 19,242.0
433,261.0 400,099.0 264,903.0 225,197.0 n.a.
7,295.0 5,112.0 4,327.0 15,297.0 n.a.

41,859.0 32,867.0 23,327.0 12,977.0 27,410.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 01/01/2005
15,482.0 12,668.0 10,596.0 9,918.0 9,071.0
354.0 13,795.0 12,948.0 11,671.0 10,060.0
-9,025.0 1,327.0 2,675.0 2,343.0 1,988.0
6,411.0 6,154.0 5,194.0 4,909.0 4,547.0

2,968.0 6,314.0 5,079.0 4,419.0 3,525.0
18,154.0 14,457.0 12,481.0 11,946.0 10,362.0
7,439.0 2,106.0 1,877.0 1,707.0 1,485.0
-15,934.0 n.a. n.a. n.a. n.a.
-25,691.0 9,900.0 9,186.0 7,936.0 7,284.0
-2,167.0 2,052.0 2,689.0 2,378.0 1,995.0
-34,542.0 7,712.0 6,497.0 5,558.0 5,289.0
15,836.0 26,463.0 23,544.0 21,589.0 19,131.0
2,312.0 3,044.0 2,470.0 1,927.0 1,588.0
14.10 11.20 11.70 11.70 11.70

10.00 7.30 7.50 7.60 7.00
98,175.0 67,974.0 46,949.0 43,373.0 37,758.0
69,847.0 44,364.0 30,041.0 28,218.0 22,694.0
2,829.0 1,781.0 1,626.0 1,866.0 n.a.

31/12/2008 31/12/2007 31/12/2006 31/12/2005 01/01/2005
37,150.0 n.a. n.a. 21,331.0 16,632.0
5,040.0 33,420.0 24,688.0 0.0 0.0
42,190.0 33,420.0 24,688.0 21,331.0 16,632.0
13,642.0 n.a. n.a. 11,413.0 7,561.0

13,066.0 20,752.0 14,092.0 0.0 0.0
26,708.0 20,752.0 14,092.0 11,413.0 7,561.0
15,482.0 12,668.0 10,596.0 9,918.0 9,071.0
-9,025.0 1,327.0 2,675.0 2,343.0 1,988.0

1,792.0 1,457.0 1,515.0 1,466.0 1,387.0

6,411.0 6,154.0 5,194.0 4,909.0 4,547.0
1,176.0 4,857.0 3,564.0 2,953.0 2,138.0
354.0 13,795.0 12,948.0 11,671.0 10,060.0
8,898.0 7,552.0 6,723.0 5,992.0 5,188.0
9,256.0 6,905.0 5,758.0 5,954.0 5,174.0
18,154.0 14,457.0 12,481.0 11,946.0 10,362.0

-2,318.0 12,006.0 11,063.0 9,643.0 8,769.0
7,439.0 2,106.0 1,877.0 1,707.0 1,485.0
-9,757.0 9,900.0 9,186.0 7,936.0 7,284.0

0.0 n.a. n.a. n.a. n.a.
16,911.0 n.a. n.a. n.a. n.a.
977.0 n.a. n.a. n.a. n.a.
-25,691.0 9,900.0 9,186.0 7,936.0 7,284.0
-2,167.0 2,052.0 2,689.0 2,378.0 1,995.0
-11,018.0 -136.0 0.0 n.a. n.a.
-34,542.0 7,712.0 6,497.0 5,558.0 5,289.0
-7,406.0 -496.0 1,601.0 -73.0 n.a.

0.0 n.a. n.a. n.a. n.a.
15,425.0 446.0 -1,341.0 789.0 -320.0
-957.0 n.a. n.a. n.a. n.a.
-27,480.0 7,662.0 6,757.0 6,274.0 4,969.0
-10,832.0 163.0 104.0 57.0 177.0
-24,306.0 7,549.0 6,393.0 5,501.0 5,112.0
2,312.0 3,044.0 2,470.0 1,927.0 1,588.0

139,391.0 n.a. n.a. 109,133.0 57,633.0
123,526.0 n.a. n.a. n.a. n.a.
51,070.0 n.a. n.a. 45,760.0 26,713.0
525,942.0 n.a. n.a. 261,126.0 299,585.0
45,682.0 835,691.0 470,828.0 5,094.0 0.0
10,889.0 6,441.0 3,935.0 3,887.0 4,140.0
874,722.0 829,250.0 466,893.0 417,226.0 379,791.0
885,611.0 835,691.0 470,828.0 421,113.0 383,931.0
21,261.0 10,327.0 6,230.0 5,937.0 5,888.0
n.a. n.a. n.a. 54,579.0 n.a.
79,426.0 219,460.0 82,606.0 70,587.0 65,691.0

58,771.0 n.a. n.a. n.a. n.a.
140,863.0 242,062.0 112,320.0 5,538.0 6,109.0
992,559.0 337,410.0 116,681.0 95,663.0 89,925.0
140,031.0 102,948.0 33,365.0 129,478.0 99,077.0
12,985.0 2,672.0 561.0 788.0 n.a.
1,345,209.0 685,092.0 262,927.0 231,467.0 195,111.0
105,779.0 149,915.0 63,428.0 46,924.0 6,109.0
n.a. n.a. n.a. 38,020.0 n.a.
3,868.0 3,431.0 4,885.0 n.a. n.a.
17,832.0 0.0 0.0 n.a. n.a.
2,321,057.0 1,737,233.0 817,311.0 719,280.0 640,593.0
12,400.0 17,866.0 6,121.0 4,759.0 4,293.0

15,081.0 15,319.0 13,535.0 18,053.0 16,425.0
15,562.0 42,389.0 17,889.0 18,823.0 19,242.0
4,487.0 6,103.0 1,015.0 1,109.0 n.a.
7,082.0 n.a. n.a. 156.0 n.a.
1,581.0 n.a. n.a. n.a. n.a.
24,402.0 81,609.0 15,561.0 14,647.0 15,977.0
2,401,652.0 1,900,519.0 871,432.0 776,827.0 696,530.0
639,512.0 682,365.0 384,222.0 342,867.0 312,167.0

639,512.0 682,365.0 384,222.0 342,867.0 312,167.0
258,044.0 312,633.0 132,143.0 110,407.0 106,026.0
174,507.0 155,742.0 41,957.0 n.a. n.a.
1,072,063.0 1,150,740.0 558,322.0 453,274.0 418,193.0
125,782.0 117,873.0 44,006.0 90,420.0 65,124.0

41,859.0 32,867.0 23,327.0 12,977.0 27,410.0
167,641.0 150,740.0 67,333.0 103,397.0 92,534.0
971,364.0 332,060.0 118,112.0 96,438.0 92,153.0
54,277.0 91,021.0 49,476.0 43,988.0 n.a.
2,265,345.0 1,724,561.0 793,243.0 697,097.0 602,880.0

2,032.0 496.0 1,992.0 3,735.0 7,327.0
585.0 1,630.0 789.0 952.0 n.a.
4,165.0 5,510.0 3,264.0 1,695.0 1,826.0
7,640.0 6,289.0 3,377.0 3,333.0 20,370.0
9,976.0 10,162.0 7,456.0 7,212.0 n.a.
24,116.0 55,333.0 11,494.0 9,962.0 33,154.0
2,313,859.0 1,803,981.0 821,615.0 723,986.0 665,557.0
7,295.0 5,112.0 4,327.0 15,297.0 n.a.
16,743.0 11,928.0 5,433.0 n.a. n.a.
41,839.0 42,880.0 36,108.0 34,980.0 30,342.0

19,798.0 36,567.0 3,442.0 2,109.0 951.0
-3,561.0 1,032.0 1,528.0 -73.0 n.a.
6,385.0 n.a. n.a. n.a. n.a.
-706.0 -981.0 -1,021.0 528.0 -320.0
63,755.0 79,498.0 40,057.0 37,544.0 30,973.0

2,401,652.0 1,900,519.0 871,432.0 776,827.0 696,530.0
10,985.0 n.a. n.a. n.a. n.a.
15,692.8 n.a. n.a. n.a. n.a.
5.20 n.a. n.a. 5.27 n.a.

2.80 n.a. n.a. 3.49 n.a.
3.21 2.87 3.21 3.12 n.a.

2.06 1.80 1.91 1.76 n.a.
1.18 1.09 1.38 1.45 n.a.

0.61 0.91 1.13 1.20 n.a.
1.18 1.09 1.38 1.45 n.a.
2.24 52.13 54.99 54.06 52.58

114.64 54.63 53.01 55.33 54.16
0.89 1.15 1.51 1.61 n.a.
-3.96 21.70 27.85 28.17 n.a.
-0.11 0.95 1.33 1.30 n.a.
-320.92 17.54 16.97 17.70 16.93
-16.67 17.89 23.13 23.18 n.a.

-0.48 0.79 1.11 1.07 n.a.
8.43 20.73 29.27 29.96 27.39
-0.33 1.97 2.76 2.60 2.70
-1.40 1.63 2.29 2.14 2.24
-59.00 13.94 16.36 16.23 n.a.

-1.69 0.61 0.78 0.75 n.a.
-46.94 13.85 17.01 18.33 n.a.
-1.35 0.61 0.81 0.84 n.a.
-4.96 1.27 1.62 1.50 1.63

-3.95 1.26 1.69 1.69 1.53
1.58 n.a. n.a. n.a. n.a.

2.26 n.a. n.a. n.a. n.a.
1.64 1.63 2.48 2.31 1.73
10.00 7.30 7.50 7.60 7.00
14.10 11.20 11.70 11.70 11.70
6.60 n.a. n.a. n.a. n.a.
2.65 4.18 4.60 4.83 4.45
-6.69 39.47 38.02 34.67 30.02
-8.41 39.73 36.55 30.71 31.96

-57.81 5.87 10.05 9.67 11.92
26.37 118.09 12.18 11.53 n.a.

5.97 77.49 11.81 9.68 n.a.
2.40 1.24 1.32 1.41 1.53
1.23 0.77 0.84 0.92 1.08
51.22 62.37 63.16 65.47 70.31
16.27 4.89 5.73 5.46 5.64
1.04 0.35 0.42 0.42 n.a.

0.40 0.29 0.37 0.46 n.a.
2.40 1.24 1.32 1.41 1.53
138.48 122.47 122.54 122.82 122.99

30.78 70.20 62.51 63.93 61.96
49.42 49.00 56.91 57.08 61.12
49,262.0 46,441.0 10,725.0 12,253.0 n.a.

352,398.0 335,688.0 242,655.0 206,550.0 n.a.

31,601.0 17,970.0 11,523.0 6,394.0 n.a.
2,834,913.0 2,300,618.0 1,136,335.0 1,002,024.0 696,530.0
695,800.0 609,000.0 400,300.0 371,000.0 323,600.0
695,800.0 609,000.0 400,300.0 371,000.0 323,600.0
714,790.0 604,592.7 442,425.0 404,459.7 n.a.

1,312,648.0 1,165,540.7 769,826.0 684,596.7 n.a.
2,040,685.0 1,261,072.3 829,199.3 743,509.0 n.a.
1,298,960.0 1,151,521.3 736,996.7 648,610.7 n.a.
48,876.3 40,206.0 35,871.7 32,695.7 n.a.
58,544.0 55,337.7 39,720.7 34,237.0 n.a.
487,081.0 495,301.3 365,230.0 327,461.3 n.a.
n.a. n.a. n.a. 188,613.0 n.a.

338,751.0 n.a. n.a. 42,485.0 n.a.
535,971.0 n.a. n.a. 66,488.0 n.a.
n.a. n.a. n.a. 119,640.0 n.a.
n.a. n.a. n.a. 12,955.0 n.a.

69,912.0 n.a. n.a. 14,979.0 n.a.
197,637.0 n.a. n.a. 98,569.0 n.a.
n.a. n.a. n.a. 65,994.0 n.a.

133,565.0 n.a. n.a. 8,749.0 n.a.
4,632.0 n.a. n.a. 265.0 n.a.
n.a. n.a. n.a. 338.0 n.a.

611,047.0 n.a. n.a. n.a. n.a.
28,465.0 n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 315,542.0 n.a.
n.a. n.a. n.a. 14,516.0 n.a.
n.a. n.a. n.a. 12,809.0 n.a.
n.a. n.a. n.a. 87,269.0 n.a.

248,896.0 n.a. n.a. 13,293.0 n.a.
9,148.0 n.a. n.a. 9,845.0 n.a.

174,507.0 n.a. n.a. 68,127.0 n.a.
125,782.0 n.a. n.a. 22,293.0 n.a.
300,289.0 n.a. n.a. 90,420.0 n.a.
n.a. n.a. n.a. 4,032.0 n.a.
n.a. n.a. n.a. 24,242.0 n.a.
41,859.0 32,867.0 23,327.0 12,977.0 27,410.0
-34,542.0 7,712.0 6,497.0 5,558.0 5,289.0

-34,542.0 n.a. n.a. n.a. n.a.
63,755.0 79,498.0 40,057.0 37,544.0 30,973.0

16,743.0 11,928.0 5,433.0 n.a. n.a.

80,498.0 n.a. n.a. n.a. n.a.
63,755.0 79,498.0 40,057.0 37,544.0 30,973.0
-2,823.0 n.a. n.a. n.a. n.a.
19,798.0 n.a. n.a. 130.0 n.a.

15,562.0 42,389.0 17,889.0 18,823.0 19,242.0
4,487.0 6,103.0 1,015.0 1,109.0 n.a.
4,730.0 904.0 0.0 156.0 n.a.
4,044.0 n.a. n.a. n.a. n.a.
1,326.0 n.a. n.a. n.a. n.a.
10,985.0 n.a. n.a. n.a. n.a.

4,707.8 17,040.0 9,760.0 0.0 n.a.
0.0 n.a. n.a. n.a. n.a.
15,692.8 n.a. n.a. n.a. n.a.
4,707.8 n.a. n.a. n.a. n.a.
37,150.0 n.a. n.a. 21,331.0 16,632.0

13,642.0 n.a. n.a. 11,413.0 7,561.0

116,280.0 84,119.0 42,991.0 n.a. n.a.
52,750.0 n.a. n.a. n.a. n.a.

11,021.0 n.a. n.a. n.a. n.a.
11,057.0 n.a. n.a. n.a. n.a.
39,879.0 n.a. n.a. n.a. n.a.
17,054.0 37,546.0 3,038.0 n.a. n.a.
4,972.0 n.a. n.a. n.a. n.a.
3,067.0 n.a. n.a. n.a. n.a.
89.0 n.a. n.a. n.a. n.a.
1,580.0 n.a. n.a. n.a. n.a.
236.0 n.a. n.a. n.a. n.a.
2,101.0 n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 54,579.0 n.a.

456.0 88,525.0 52,201.0 n.a. n.a.
140,863.0 210,190.0 98,230.0 54,579.0 n.a.
132,856.0 n.a. n.a. 78,791.0 93,846.0
49,962.0 47,567.0 14,946.0 41,386.0 n.a.

13,139.0 n.a. n.a. n.a. n.a.
5,400.0 n.a. n.a. n.a. n.a.
62,067.0 n.a. n.a. n.a. n.a.
7,175.0 7,614.0 7,856.0 9,301.0 5,231.0
2,288.0 47,767.0 10,563.0 n.a. n.a.
140,031.0 102,948.0 33,365.0 129,478.0 99,077.0
12,985.0 n.a. n.a. 788.0 n.a.
0.0 n.a. n.a. n.a. n.a.

114.0 n.a. n.a. n.a. n.a.
3,749.0 n.a. n.a. n.a. n.a.
8,961.0 n.a. n.a. n.a. n.a.
12,985.0 2,672.0 561.0 788.0 n.a.
105,779.0 47,567.0 14,946.0 41,386.0 n.a.
24,363.0 n.a. n.a. n.a. n.a.
21,786.0 n.a. n.a. n.a. n.a.
111,143.0 n.a. n.a. n.a. n.a.
29,235.0 181,452.0 73,658.0 9,301.0 5,231.0
3,148.0 2,171.0 1,841.0 2,038.0 n.a.

319.0 390.0 215.0 172.0 n.a.
2,829.0 1,781.0 1,626.0 1,866.0 n.a.
6,046.0 n.a. n.a. n.a. n.a.

4,843.0 n.a. n.a. 3,887.0 n.a.

n.a. n.a. n.a. 19.0 n.a.
n.a. n.a. n.a. 5,937.0 n.a.

38,442.0 20,925.0 13,297.0 12,603.0 13,786.0

18,593.0 32,123.0 26,538.0 22,384.0 16,556.0

104.0 61.0 115.0 7.0 n.a.
19,798.0 36,567.0 3,442.0 2,109.0 951.0
43,957.0 42,931.0 36,615.0 35,435.0 30,022.0
63,755.0 79,498.0 40,057.0 34,980.0 30,342.0
-3,561.0 1,032.0 1,528.0 -73.0 n.a.
6,385.0 n.a. n.a. n.a. n.a.
2,824.0 1,032.0 1,528.0 -73.0 n.a.
-876.0 -555.0 -149.0 59.0 n.a.
11,051.0 n.a. n.a. n.a. n.a.
12,999.0 477.0 1,379.0 -14.0 n.a.
12,999.0 477.0 1,379.0 -14.0 n.a.
16,743.0 11,928.0 5,433.0 n.a. n.a.
80,498.0 91,426.0 45,490.0 37,544.0 30,973.0
19,798.0 n.a. n.a. 130.0 n.a.
n.a. n.a. n.a. 1,700.0 1,400.0

2,312.0 3,044.0 2,470.0 1,927.0 1,588.0
2,312.0 3,044.0 2,470.0 1,927.0 1,588.0
4,730.0 904.0 0.0 156.0 n.a.
20,049.0 6,123.0 1,015.0 n.a. n.a.

24,038.0 n.a. n.a. n.a. n.a.
n.a. 17,040.0 9,760.0 0.0 n.a.
12,019.0 17,040.0 9,760.0 0.0 n.a.
12,019.0 17,040.0 9,760.0 0.0 n.a.
69,847.0 44,364.0 30,041.0 28,218.0 22,694.0

98,175.0 67,974.0 46,949.0 43,373.0 37,758.0
10.00 7.30 7.50 7.60 7.00
14.10 11.20 11.70 11.70 11.70
695,800.0 609,000.0 400,300.0 371,000.0 323,600.0


4,044.0 10,283.0 10,583.0 7,282.0 5,165.0
1,345,209.0 685,092.0 262,927.0 231,467.0 195,111.0

n.a. n.a. n.a. 38,020.0 n.a.
1,345,209.0 685,092.0 262,927.0 193,447.0 195,111.0


199,800 233,600 141,800 137,000 136,600

10.00 7.30 7.50 7.60 7.00
6.60 n.a. n.a. n.a. n.a.
14.10 11.20 11.70 11.70 11.70

31/12/2008 31/12/2007 31/12/2006 31/12/2005 01/01/2005
1.23 0.77 0.84 0.92 1.08

48.05 16.63 17.71 17.21 16.37
51.22 62.37 63.16 65.47 70.31
2.40 1.24 1.32 1.41 1.53
0.33 0.27 0.37 0.46 n.a.
-10.44 18.14 19.42 25.69 n.a.
26.41 11.30 13.70 15.81 19.01
12.89 4.25 5.05 5.46 5.64
10.00 7.30 7.50 7.60 7.00

14.10 11.20 11.70 11.70 11.70
3.35 4.81 5.22 4.83 4.45
9.20 11.03 9.74 9.00 8.16
7.51 7.95 8.15 8.28 7.41
3.54 5.16 5.70 5.28 4.85
5.40 6.81 8.39 8.47 8.38
14.82 15.61 15.67 15.78 15.37
12.09 11.25 13.10 14.52 13.96
5.71 7.31 9.16 9.26 9.15
32.29 25.40 31.89 19.72 46.95
0.76 0.99 1.38 1.46 1.42

0.72 0.91 1.29 1.35 1.30
0.02 1.00 1.57 1.58 1.44
1.19 1.20 1.74 1.85 1.70
-0.45 n.a. n.a. n.a. n.a.
-0.64 -0.15 -0.33 -0.32 -0.29
-1.61 0.56 0.79 0.75 0.76
-40.18 11.27 15.65 16.22 17.08
-6.69 39.47 38.02 34.67 30.03
-42.87 6.82 9.70 10.60 11.95
46.13 n.a. n.a. n.a. n.a.
114.64 54.63 53.01 55.33 54.16
-0.11 0.87 1.34 1.31 1.26
53.56 70.20 62.51 63.93 61.96

36.42 43.63 53.58 53.71 54.53
81.59 72.06 83.62 92.05 90.82
39.34 49.02 60.64 60.99 66.00
27.19 41.66 36.01 17.84 18.20
13.11 28.34 26.11 11.82 13.22
Bank information
No of
employees
-
146,800
Op.
Date of Vari- No of
Revenue
(mil USD)*
05/2010 - 32.0 n.a.

01/2010 - n.a. n.a.
12/2011 ð 33,714.0 113,700.0
06/2012 ð <0,5 2.0
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - 2.0 n.a.
12/2011 ð 5,025.0 19,638.0
12/2011 ð 811.0 2,232.0
12/2011 ð 432.0 1,296.0
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - 5.0 n.a.
12/2011 ö 2,444.0 n.a.
01/2010 - n.a. n.a.
01/2010 - 2.0 n.a.
01/2010 - 5.0 n.a.
01/2010 - n.a. n.a.

01/2010 - n.a. n.a.
01/2010 - 42.0 n.a.
01/2010 - n.a. n.a.

01/2010 - 2.0 n.a.
01/2010 - n.a. n.a.

01/2010 - n.a. n.a.
01/2010 - n.a. n.a.

01/2010 - <0,5 n.a.
01/2010 - 1.0 n.a.
01/2010 - 1.0 n.a.
01/2010 - n.a. n.a.

01/2010 - 1.0 n.a.
01/2010 - n.a. n.a.

01/2010 - n.a. n.a.
01/2010 - 44.0 n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - 1.0 n.a.
01/2010 - 1.0 n.a.
01/2010 - n.a. n.a.
01/2010 - <0,5 n.a.
01/2010 - n.a. n.a.
12/2011 ð 9,402.0 26,800.0
01/2010 - n.a. n.a.
01/2010 - 1.0 n.a.
01/2010 - 2.0 n.a.
01/2010 - 1.0 n.a.
01/2010 - <0,5 n.a.

01/2010 - 1.0 n.a.
01/2010 - 2.0 3.0
01/2010 - n.a. n.a.
12/2011 ð n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - 5.0 n.a.
01/2010 - n.a. n.a.
01/2010 - <0,5 n.a.
01/2010 - n.a. n.a.
12/2011 ñ 1,594.0 n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
01/2010 - n.a. n.a.
06/2012 - -41.0 n.a.
12/2011 ö 2,871.0 17,700.0
08/2012 - n.a. n.a.
05/2012 ð <0,5 n.a.
05/2012 ð -847.0 n.a.
05/2012 - n.a. n.a.
09/2012 ñ 596.0 766.0

08/2012 ð 43.0 n.a.
09/2012 ð 4,447.0 n.a.
12/2011 ð 1.0 n.a.

10/2012 ø -3.0 n.a.
10/2011 ø 17.0 3.0
10/2011 ø <0,5 n.a.
08/2012 ð n.a. n.a.
12/2011 ð 85.0 248.0

06/2011 - - -
07/2012 ð n.a. n.a.
06/2011 ð n.a. n.a.
07/2012 ð <0,5 1.0
07/2012 ð <0,5 2.0
07/2012 ð n.a. n.a.
HSBC Holdings Plc
E14 5HQ LONDON BvD ID number GB00617987

Contact details
8 CANADA SQUARE Phone number +44 (20) 7991 8888

Fax number +44 (20) 7260 0501
E14 5HQ LONDON Web Site Address www.hsbc.com
UNITED KINGDOM
Bank History :
Established in 1991. On December 31, 1999 absorbed Republic New York Corporation.
Accounting Standards International Financial Nickname HSBCIFRS
Accounts published in mil USD Release Date 11/9/2012
Name of the Auditor KPMG Audit Plc Model ALLBANKS
Latest total assets 2,555,579 mil USD Ranking (Country), 2011

Latest net income 17,944 mil USD Ranking (Country), rolling
(13/11/2012) World rank, 2011
shareholders
subsidiaries
Companies
Peer Group
Size 178
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
mil USD mil USD mil USD mil USD
BALANCE SHEET
Assets
Loans 940,429.0 958,366.0 896,231.0 932,868.0
Gross Loans 957,940.0 978,449.0 921,773.0 956,777.0
Derivatives 346,379.0 260,757.0 250,886.0 494,876.0
Fixed Assets 10,865.0 11,521.0 13,802.0 14,025.0
Total Assets 2,555,579.0 2,454,689.0 2,364,452.0 2,527,465.0

Deposits & Short term funding 1,471,060.0 1,444,122.0 1,408,144.0 1,375,095.0
Total Customer Deposits 1,254,442.0 1,234,252.0 1,165,620.0 1,115,327.0
Derivatives 345,380.0 258,665.0 247,646.0 487,060.0
Other Reserves 6,990.0 3,856.0 6,967.0 5,618.0
Equity 166,093.0 154,915.0 135,661.0 100,229.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Statement
Overheads 40,225.0 37,688.0 34,395.0 38,535.0
Other 1,991.0 -554.0 -8,079.0 -2,017.0
Tax 3,928.0 4,846.0 385.0 2,809.0
Net Income 17,944.0 14,191.0 6,694.0 6,498.0
Dividend Paid 7,344.0 5,937.0 5,370.0 11,119.0

Tier 1 Ratio 11.54 12.10 10.80 8.30
Total Capital 170,334.0 167,555.0 155,729.0 131,460.0
Tier 1 Capital 139,590.0 133,179.0 122,157.0 95,336.0
Net-Charge Offs 11,054.0 18,280.0 23,950.0 17,121.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 149.0 112.0 126.0 272.0

Other Interest Expense n.a. n.a. n.a. 0.0
Statement
Net Insurance Income 1,691.0 -621.0 -1,979.0 3,961.0
Equity-accounted Profit/ Loss - Operating 3,264.0 2,517.0 1,781.0 1,661.0

Securities and Other Credit Impairment Charges 622.0 491.0 1,546.0 n.a.

Non-recurring Income 587.0 n.a. n.a. 2,445.0
Non-recurring Expense 1,907.0 n.a. n.a. 10,564.0
Change in Fair Value of Own Debt 3,933.0 -63.0 -6,533.0 6,102.0
Pre-tax Profit 21,872.0 19,037.0 7,079.0 9,307.0
Tax expense 3,928.0 4,846.0 385.0 2,809.0
Net Income 17,944.0 14,191.0 6,694.0 6,498.0
Change in Value of AFS Investments n.a. 5,835.0 10,817.0 -21,400.0

Revaluation of Fixed Assets n.a. 0.0 n.a. n.a.
Currency Translation Differences n.a. -567.0 4,975.0 -11,898.0
Remaining OCI Gains/(losses) n.a. -225.0 -1,687.0 n.a.
Memo: Profit Allocation to Non-controlling Interests 1,147.0 1,032.0 860.0 770.0
Memo: Common Dividends Relating to the Period 7,344.0 5,937.0 5,370.0 11,119.0
Balance Sheet
Assets
Loans
Other Loans 91,499.0 107,617.0 104,477.0 109,076.0
Net Loans 940,429.0 958,366.0 896,231.0 932,868.0
Gross Loans 957,940.0 978,449.0 921,773.0 956,777.0
Derivatives 346,379.0 260,757.0 250,886.0 494,876.0
Memo: Government Securities included Above 154,147.0 n.a. 313,980.0 199,223.0
Non-earning Assets
Fixed Assets 10,865.0 11,521.0 13,802.0 14,025.0
Goodwill 21,338.0 22,406.0 23,241.0 21,855.0
Other Assets 56,957.0 70,418.0 51,770.0 49,521.0
Total Assets 2,555,579.0 2,454,689.0 2,364,452.0 2,527,465.0
Customer Deposits - Current 1,254,442.0 1,234,252.0 1,165,620.0 1,115,327.0
Total Customer Deposits 1,254,442.0 1,234,252.0 1,165,620.0 1,115,327.0
Total Deposits, Money Market and Short-term 1,471,060.0 1,444,122.0 1,408,144.0 1,375,095.0
Funding
Derivatives 345,380.0 258,665.0 247,646.0 487,060.0
Total Funding 2,233,759.0 2,156,590.0 2,069,507.0 2,285,129.0
Fair Value Portion of Debt n.a. n.a. -2,506.0 -6,919.0
Hybrid Capital
Debt
Equity
Equity
Common Equity 129,259.0 118,365.0 103,930.0 95,205.0
Foreign Exchange Revaluation Reserves -237.0 2,468.0 2,994.0 -1,843.0
Fixed Asset Revaluations and Other Accumulated 27,213.0 28,778.0 29,207.0 18,646.0
OCI
Total Equity 157,530.0 150,056.0 130,831.0 95,685.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Net Income/ Av. Total Assets plus Av. Managed n.a. n.a. 0.27 0.26
Securitized Assets%
%
Capitalization
Loan Quality
Growth of Gross Loans% -2.10 6.15 -3.66 -4.40
%
Foreclosed Assets%
Funding
Reference Data
Managed Securitized Assets Reported Off-Balance n.a. n.a. 11,100.0 14,100.0
Sheet
Guarantees 75,672.0 71,157.0 73,559.0 72,895.0

balance sheet
Other Contingent Liabilities 259.0 166.0 174.0 14,947.0
Memo: Total Weighted Risks 1,209,514.0 1,103,113.0 1,133,168.0 1,147,974.0
Fitch Adjusted Weighted Risks 1,209,514.0 1,103,113.0 1,133,168.0 1,147,974.0
Average Loans 994,464.0 938,530.7 943,644.7 1,009,118.3
Average Assets 2,602,953.0 2,412,531.7 2,437,920.0 2,476,136.3
Average Managed Assets Securitized Assets (OBS) n.a. n.a. 12,600.0 14,100.0
Average Equity 158,550.2 138,554.0 115,756.7 119,137.0
Average Customer Deposits 1,270,709.0 1,182,397.7 1,148,096.7 1,124,463.3
Maturities


Interbank 1 - 5 Years 9,855.0 8,173.0 6,865.0 7,498.0

Retail Deposits 3 - 12 Months 1,214,190.0 1,181,095.0 1,114,149.0 1,083,426.0
Retail Deposits 1 - 5 Years 39,735.0 46,630.0 44,885.0 31,901.0


Interbank 1 - 5 Years 11,451.0 5,122.0 6,564.0 6,249.0

Senior Debt Maturing 3-12 Months n.a. 86,096.0 n.a. n.a.
Senior Debt Maturing 1- 5 Years n.a. 59,305.0 n.a. n.a.
Total Senior Debt on Balance Sheet n.a. 145,401.0 n.a. n.a.
Subordinated Debt Maturing 3-12 Months n.a. 791.0 n.a. n.a.
Subordinated Debt Maturing 1- 5 Year n.a. 32,596.0 n.a. n.a.
Net Income 17,944.0 14,191.0 6,694.0 6,498.0
Equity 157,530.0 150,056.0 130,831.0 95,685.0
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on -2,096.0 -439.0 -1,050.0 -5,744.0
the B/S- CC only
Goodwill 21,338.0 22,406.0 23,241.0 21,855.0
Deferred tax assets deduction 1,328.0 348.0 407.0 282.0
securitizations

Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 378,845.0 381,256.0 351,531.0 286,222.0

Asset Quality Data

Net Charge-offs
Recoveries 1,426.0 1,020.0 890.0 834.0
Net Charge-offs 11,054.0 18,280.0 23,950.0 17,121.0
Reserves

Capital
Eligible Capital
Legal Reserves 27,308.0 27,308.0 27,308.0 17,457.0

dividends
Stock Options to be Settled in Equity 2,274.0 1,755.0 1,925.0 1,995.0
Valuation Reserves for AFS Securities in OCI Total -3,361.0 n.a. n.a. -20,550.0
Cash Flow Hedge Reserve -95.0 n.a. n.a. -806.0
Stock Options to be Settles with Equity Securities n.a. n.a. n.a. 1,995.0
Interests
absorbing

Total Dividends Related to Period 6,928.0 6,350.0 5,639.0 11,301.0
Total Dividends Paid and Declared in Period 7,344.0 5,937.0 5,370.0 11,119.0
Deferred Tax Assets to be Deducted from Core 7,726.0 n.a. 164.0 282.0
Capital
Intangibles to be deducted from Core Capital 3,604.0 n.a. 3,973.0 3,469.0
Embedded Value n.a. n.a. 2,780.0 2,033.0
Regulatory Capital
Risk Weighted Assets including floor/cap per Basel II 1,209,514.0 1,103,113.0 1,133,168.0 1,147,974.0

II
Equity Investments deducted from Regulatory n.a. n.a. n.a. 13,270.0
Capital
Unencumbered Securities 1,149,051.0 1,100,773.0 1,109,080.0 1,277,868.0
deposits
banks

loans

Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 11.54 12.10 10.80 8.30
Equity / Net Loans 17.66 16.16 15.14 10.74
Operations
Dividend Pay-Out 40.93 41.84 80.22 171.11
Liquidity
Interbank Ratio 155.63 182.81 142.55 116.35
General information


ISIN number: GB0005405286
Ticker symbol: HSBA

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Munchen
Boerse Stuttgart
Euronext Paris
Hong Kong Stock Exchange
US Exchange
XETRA
IPO date: 4/8/1991
Market price - Year (GBP) 2012 2011 2010 2009 2008 2007 2006
Market price - May 5.10 6.35 6.28 5.57 8.53 9.34 9.30

Price trends (%)

BETA






Date News
1 10/11/2012 Banco Popular announces rights issue details (deal no.
1601407254)
2 23/10/2012 Experian to up holding in Serasa (deal no. 1601413890)
3 23/10/2012 Experian to increase stake in Serasa: shareholder meeting to be
held in November (deal no. 1601413890)
4 17/10/2012 HSBC acquires shares in Genel Energy (deal no. 1601412790)
6 12/10/2012 Telefónica continuing sale process of Atento: Definitive
agreement signed with Bain Capital (deal no. 1601354127)
7 11/10/2012 Palletower subject to management buy out (deal no.
1601410807)
8 03/10/2012 TAV Havalimanlari Holding fully acquires Havaalanlari Yer
Hizmetleri (deal no. 1601397683)
9 20/09/2012 Crest Nicholson may float (deal no. 1601405324)
10 12/09/2012 Talanx withdraws planned IPO (deal no. 1601268520)
11 11/09/2012 Saudi Airlines business selects advisor for IPO: Reuters (deal no.
1601401510)
12 10/09/2012 Saudi Ground Services Company may hold a planned IPO (deal
no. 1601401510)
13 04/09/2012 Stadium Group acquires IGT Industries (deal no. 1601245471)
14 03/09/2012 Cinven completes acquisition of Mercury Pharma (deal no.

1601367956)
15 17/08/2012 Mercury Pharma changes hands in secondary buyout (deal no.
1601367956)
16 08/08/2012 Consortium tables GBP 520m bid for Biffa: report (deal no.
1601335269)
17 19/07/2012 HSBC new shares submitted to trading (deal no. 1601387348)
18 18/07/2012 HSBC Holdings to sell stake in Bao Viet Holdings (deal no.
1633086622)
19 13/07/2012 Statoil Fuel & Retail delists from Oslo Stock Exchange (deal no.
1601365462)
20 29/06/2012 Ortigas family acquires minority stake in Ortigas Holdings (deal
no. 1633092999)
21 25/06/2012 Management acquires CTC Aviation (deal no. 1601381262)
22 20/06/2012 Alibaba Group takes over remaining shares in Alibaba.com:
delisted (deal no. 1601345237)
23 15/06/2012 Regulatory approval for LME takeover expected before end of
2012 (deal no. 1601303041)
24 12/06/2012 United Technologies kicks off USD 1bn share offering (deal no.
1601352649)
25 12/06/2012 United Technologies commences convertible financing (deal no.
1601352649)
26 12/06/2012 Management team buys into Truck Trailer and Bus Components
(deal no. 1601377527)
27 11/06/2012 EQT Partners to acquire BSN Medical (deal no. 1601008766)
28 11/06/2012 Credit Suisse acquires HSBC Holdings' private banking business in
Japan (deal no. 1633057556)
29 01/06/2012 Hastings Funds Management and Ontario Teachers Pension Plan
acquires Sydney Desalination Plant (deal no. 1633104138)
30 29/05/2012 Timber Garden Buildings acquires Shedlands (deal no.

1601374008)
31 29/05/2012 Barcalys no longer selling its retail banking activities in France
(deal no. 1601369985)
32 17/05/2012 HSBC may sell UK retail banking unit (deal no. 1601371245)
33 16/05/2012 Barclays puts French retail network up for sale: Les Echos (deal
no. 1601369985)
34 11/05/2012 Malakoff International acquires IP Middle East Holding Company
(deal no. 1601369122)
35 03/05/2012 Renault-Nissan Alliance and Rostekhnologii might form joint
36 03/05/2012 Renault-Nissan Alliance and Rostekhnologii's joint venture might
acquire Troika Dialog's stake in AvtoVAZ (deal no. 1601367266)
37 26/04/2012 Couche-Tard adjusts offer price for Statoil Fuel & Retail's and the
first offer is consequently withdrawn (deal no. 1601362170)
38 18/04/2012 Alimentation Couche-Tard makes offer for Statoil Fuel & Retail
(deal no. 1601362170)
39 17/04/2012 Seed Developments bought by MBI Team (deal no. 1601362941)
40 17/04/2012 Haitong Securities fixes its offer price on HKEX (deal no.
1633031194)
41 11/04/2012 Really Useful Theatres sells Palace theatre London to Nimax
Theatres (deal no. 1601362438)
42 26/03/2012 Cinven completes acquisition of CPA Global (deal no.
1601322893)
43 26/03/2012 Ziggo completes IPO (deal no. 1601200525)
44 21/03/2012 Telefonica could divest call centre division on second attempt: El
Confidencial (deal no. 1601354127)
45 21/03/2012 Talanx ‘may list in first half of 2012’ (deal no. 1601268520)
46 19/03/2012 HSBC Holdings may sell its retail unit in Mauritius (deal no.
1601355088)
47 27/02/2012 Mr S T Gulliver acquires shares in HSBC Holdings (deal no.
1601347393)
48 27/02/2012 HSBC Holdings seeks acquisitions in Turkey (deal no.
1601346794)
49 27/02/2012 Mr S Assaf acquires shares in HSBC Holdings (deal no.
1601347359)
50 24/02/2012 HSBC Holdings shares admitted to trading (deal no. 1601345490)
Source : Zephyr
Boards & committees

= also shareholder
1. Mr. Douglas Jardine Flint - Executive Group Chairman of the BoD RE, WW
P055685464 Board (since 03/12/2010)
2. Sir Simon Manwaring Robertson - Deputy Chairman of the Board, BoD RE, WW
P045121434 Senior Independent Non-
Executive Director
(since 24/09/2010)
Committee
3. Mr. Safra Ada Catz - Independent Non-Executive BoD DB, JO, RE,
P010958588 Director (since 01/05/2008) RT
4. Mrs. Laura M Cha (Mrs.) - Non Executive Director - Non- BoD DB, JO, RT,
P087641614 Exec Contact; Independent Non- WW
of Directors (since 01/03/2011)
- Member of the Corporate OthBC WW

Responsibility Committee
5. Mrs. May Lung Laura Cha - Non-Executive Director BoD RE, VI
P014164603 (since 01/03/2011)
6. Mr. Marvin Kin Tung Cheung - Director (occupation: Retired); BoD DB, JO, RT,
P068915088 Independent Non-Executive WW
Directors; Non Executive Director
- Non-Exec Contact
(since 02/2009)

7. Mrs. Kin Tung, Marvin Cheung - Independent Non-Executive BoD RE, VI
P013772805 Director (since 01/02/2009)
8. Mr. John David Coombe - Independent Non-Executive BoD DB, JO, RE,
P004438623 Member of the Board of Directors RT, VI, WW
(since 01/03/2005)
- Chairman of the Group Audit AudC WW
Committee
- Member of the Group Risk WW
9. Dr. Joachim Faber - Independent Non-Executive BoD DB, RE, RT,
P011955377 Member of the Board of Directors WW
(since 01/03/2012)
10. Miss Rona Alison Fairhead - Independent Non-Executive BoD DB, JO, RE,
P003239082 Director (since 01/03/2004) RT, VI
Committee
Committee
- Chairman of the Group Risk WW
Committee
11. Dr. Renato Fassbind - Non-Executive Independent BoD RE
P014139055 Director (since 01/01/2013)
12. Mr. Stuart Thomson Gulliver - Director (since 01/05/2008) BoD DB, RT, WW
P014140083 - Chairman of the Group ExeB WW
Management Board
13. Mr. James, Wyndham John - Independent Non-Executive BoD DB, JO, RE,
Hughes-Hallett Member of the Board of RT, VI, WW
P006320846 Directors; Non Executive Director
- Non-Exec Contact
(since 01/03/2005)

Committee
14. Mr. William Samuel Hugh Laidlaw - Director (occupation: CEO); BoD DB, JO, RE,
Independent Non-Executive RT, WW
P004747862 Member of the Board of Directors
(since 01/01/2008)
Committee
15. Mr. John Phillip Lipsky - Director (occupation: Economist); BoD DB, RE, RT,
P121391528 Independent Non-Executive WW
Member of the Board of Directors
(since 01/03/2012)
- Member, Nomination Committee NomC WW
(since 24/05/2012)
16. Miss Janis Rachel Lomax - Director (occupation: Economist); BoD DB, JO, RE,
P014140087 Independent Non-Executive RT, WW
Member of the Board of Directors
(since 01/12/2008)
Committee
Committee
17. Mr. Iain James Mackay - Group Finance Director, BoD RE, WW
(since 03/12/2010)
- Independent Non-Executive BoD DB, RT, WW
Directors; Director (occupation:
Group Finance Director)
(since 03/12/2010)
- Member of the Group ExeB WW
Management Board (Executive
Director)
18. Mr. N. R. Narayana Murthy - Independent Non-Executive BoD DB, JO, RE,
P069602997 Member of the Board of Directors RT, WW
(since 01/05/2008)
- Chairman of the Corporate OthBC WW
Responsibility Committee
19. Mr. John Lawson Thornton - Independent Non-Executive BoD DB, JO, RE,
P055689577 Member of the Board of Directors RT, VI, WW
(since 01/12/2008)
- Chairman of the Remuneration RemC WW
Committee
20. Mr. Ralph G. Barber - Company Secretary BoD DB, RT
P011851610 (since 30/06/1992)
21. Mrs. Ann Almeida - Member of the Group ExeB WW
P006320833 Management Board (Group
Managing Director)
22. Mr. Samir Assaf - Member of the Group ExeB WW
Managing Director)
23. Mr. Richard Ernest Tulloch - Member of the Group ExeB WW
Bennett Management Board (Group
P011851384 Managing Director)
24. Mr. Alan Mcalpine Keir - Member of the Group ExeB WW
Managing Director)
25. Mr. Stuart A Levey - Member of the Group ExeB WW
Managing Director)
26. Mr. Marc M Moses - Member of the Group ExeB WW
Managing Director)
27. Mr. Sean O’Sullivan - Member of the Group ExeB WW
Managing Director)
28. Mr. Brian Robertson - Member of the Group ExeB WW
Managing Director)
29. Mr. Paul Anthony Thurston - Member of the Group ExeB WW
Managing Director)
30. Mr. Peter Tung Shun Wong - Member of the Group ExeB WW
Managing Director)
31. G V I Davis - Member of the Corporate OthBC WW
P132322653 Responsibility Committee
32. Dame Mary Elizabeth Marsh - Member of the Corporate OthBC WW
33. Lord May - Member of the Corporate OthBC WW
Management & staff

= also shareholder
1. Mr. Samir Assaf - Chief Executive - Global Banking SenMan RE
P011852180 & Markets Business
(since 01/01/2011)
1.
- Group Managing Director - Non- OthDep JO

Exec Contact
2. Mr. Ralph G. Barber - Company Secretary SenMan DB, RT
P011851610 (since 30/06/1992)
- Group Company Secretary, Group SenMan RE, WW
General Manager (since 2006)
- Secretary - Non-Exec Contact OthDep JO

3. Mr. Douglas Jardine Flint - Executive Group Chairman of the SenMan RE, WW
P055685464 Board (since 03/12/2010)
- Group Chairman - Executive SenMan JO
Contact
4. Mr. Stuart Thomson Gulliver - Director (since 01/05/2008) SenMan DB, RT, WW
P014140083 - Group Chief Executive, Group SenMan RE, WW
Managing Director, Executive
- Group Chief Executive - SenMan JO
Executive Contact
5. Mr. Brian Robertson - Chief Executive of Hsbc Bank Plc SenMan RE
P009576669 (since 03/12/2010)
Exec Contact
6. Mr. Paul Anthony Thurston - Group Managing Director, Chief SenMan, RE, VI
P006320859 Executive - Retail Banking and Sales
Wealth Management
(since 01/03/2011)
Exec Contact
7. Mr. Peter Tung Shun Wong - Group Managing Director; SenMan RE
P068269243 Chairman of Hsbc Bank (China)
Co. Ltd. (since 11/07/2011)
Exec Contact
8. Sir Simon Manwaring Robertson - Director (since 03/01/2006) SenMan DB, RT
P045121434 - Deputy Chairman - Non-Exec OthDep JO
Contact
9. Mr. Iain James Mackay - Group Finance Director, FinAcc RE, WW
(since 03/12/2010)
- Group Finance Director - SenMan, DB, JO
10. Mrs. Ann Almeida - Group Managing Director, Group HR RE
P006320833 Head - Human Resources
(since 25/02/2008)
Exec Contact
11. Mr. Alan Mcalpine Keir - Group Managing Director, Global Sales RE
P058240596 Head - Commercial Banking
(since 01/01/2011)
Exec Contact
12. Mr. Sean O’Sullivan - Group Chief Operating Officer, Oper RE
P009533186 Group Managing Director
(since 01/08/2011)
13. Mr. Stuart A Levey - Chief Legal Officer, Group OthDep RE
P119271716 Managing Director
(since 18/01/2012)
14. Mr. Richard Ernest Tulloch - Group General Counsel, Group OthDep RE
Bennett Managing Director
P011851384 (since 03/05/2011)
15. Mr. Marc M Moses - Group Managing Director, Group OthDep RE
P086216702 Managing Director
(since 03/12/2010)
Exec Contact
16. Miss Cassie Abramowitz - Senior Executive Assistant; SenMan DB
P134550686 Senior decision maker contact
17. Mr. Alexander Andrew Flockhart - Chairman - Executive Contact SenMan JO
P011852969
18. Loveetha Naidu - Executive Secretary; AdmDep DB
P134550687 Administrative contact
19. Mr. Ali Al Abri - Human Resources Manager HR DB
P129155228
20. Mr. Christopher Raymond Kell - Sales Manager Sales DB
P047477305
21. Mr. Faisal Arab - Marketing Manager MarkAdv DB
P129155227
22. Miss Louise Woyshner - Engineering contact R&D DB
P011852992
23. Mr. John Beckinghausen - Operations contact Oper DB
P011853049
24. Mr. Kapil Bedi - Purchasing contact Proc DB
P129155226
25. Mr. William Adelsberger - Information Technology Manager IT&IS DB
P011851729
26. Mr. Emílson Alonso - Group Managing Director - Non- OthDep JO
P015460104 Exec Contact
27. Mr. Niall Scott Kilgour Booker - Group Managing Director - Non- OthDep JO
P019026412 Exec Contact
28. Mr. 鄭博仁 - Other functions contact OthDep DB
P039811112
29. Mr. David John Shaw - Advisor - Non-Exec Contact OthDep JO
P046509681

Ownership Source


1. CHINNERY LTD GB 100.00 100.00 1 UO+ OS 06/2010
2. HSBC (GENERAL PARTNER) LIMITED n.a. 100.00 100.00 1 UO+ OS 06/2010
3. HSBC BANK PLC GB 100.00 100.00 1 UO+ RM 12/2011
4. HSBC FURBS TRUSTEE LIMITED n.a. 100.00 100.00 1 UO+ WW 06/2008
5. HSBC LIFE (INTERNATIONAL) LIMITED BM 100.00 100.00 1 UO+ RM 12/2011
6. HSBC STRATEGIC INVESTMENTS INC n.a. 100.00 100.00 1 UO+ WW 06/2008
7. THE HONGKONG AND SHANGHAI BANKING TW 100.00 100.00 1 UO+ AR 12/2009
CORPORATION LIMITED TAIPEI BRANCH
8. HONGKONG AND SHANGHAI BANKING HK - 100.00 1 UO+ RM 12/2011

CORPORATION LIMITED (THE)
9. HSBC BANK (CHINA) CO LTD CN - 100.00 1 UO+ RM 12/2011
10. HSBC BANK (PANAMA) SA PA - 100.00 1 UO+ RM 12/2011
11. HSBC BANK A.S. TR - 100.00 1 UO+ RM 12/2011
12. HSBC BANK BERMUDA LIMITED BM - 100.00 1 UO+ RM 12/2011
13. HSBC BANK BRASIL SA - BANCO MULTIPLO BR - 100.00 1 UO+ RM 12/2011
14. HSBC BANK CANADA CA - 100.00 1 UO+ RM 12/2011

15. HSBC BANK MALAYSIA BERHAD MY - 100.00 1 UO+ RM 12/2011
16. HSBC BANK MIDDLE EAST GB - 100.00 1 UO+ RM 12/2011
17. HSBC BANK USA, NATIONAL ASSOCIATION US - 100.00 1 UO+ RM 12/2011
18. HSBC FINANCE CORPORATION US - 100.00 1 UO RM 12/2011

19. HSBC FOREX (PHILIPPINES) INC PH - 100.00 1 UO+ OS 06/2010
20. HSBC LIFE (UK) LTD GB - 100.00 1 UO+ RM 12/2011
21. HSBC PARTICIPATIONS (LUXEMBOURG) n.a. - 100.00 1 UO+ OS 06/2010
SARL
22. HSBC PRIVATE BANKING HOLDINGS CH - 100.00 1 UO+ RM 12/2011
(SUISSE)
23. HSBC SECURITIES (USA) INC US - 100.00 1 UO RM 12/2011
24. LLANDUDNO INVESTMENTS LTD BS - 100.00 1 UO+ OS 06/2010
25. MARKS AND SPENCER RETAIL FINANCIAL GB - 100.00 1 UO+ RM 12/2011
SERVICES HOLDINGS LIMITED
26. MICHIGAN INVESTMENTS LIMITED BS - 100.00 1 UO+ OS 06/2010
27. WAYFOONG CREDIT LIMITED n.a. - 100.00 1 UO+ WW 10/2010
28. WINNIPEG INVESTMENTS LIMITED BS - 100.00 1 UO+ OS 06/2010
29. HSBC FRANCE FR - 99.99 1 UO+ RM 12/2011
30. HSBC MEXICO, SA MX - 99.99 1 UO RM 12/2011
31. CVL LIMITED GB WO WO 1 UO+ IP 05/2012
32. HSBC FINANCE (NETHERLANDS) GB WO WO 1 UO+ IP 05/2012
33. HSBC FINANCE TRANSFORMATION (UK) GB WO WO 1 UO+ IP 05/2012
LIMITED
34. HSBC GROUP NOMINEES UK LIMITED GB WO WO 1 UO+ IP 05/2012
35. HSBC INSURANCE HOLDINGS LIMITED GB WO WO 1 UO+ IP 05/2012
36. HSBC INVESTMENT HOLDINGS GB WO WO 1 UO+ IP 05/2012
(GUERNSEY) LTD
37. HSBC LATIN AMERICA HOLDINGS (UK) GB WO WO 1 UO+ IP 05/2012
LIMITED
38. HSBC LONDON HOLDINGS LIMITED GB WO WO 1 UO+ IP 05/2012
39. HSBC MENA HOLDINGS (UK) LIMITED GB WO WO 1 UO+ IP 05/2012
40. HSBC OVERSEAS HOLDINGS (UK) LIMITED GB WO WO 1 UO+ IP 05/2012
41. HSBC OVERSEAS INVESTMENTS (UK) GB WO WO 1 UO+ IP 05/2012

LIMITED
42. HSBC QUEST TRUSTEE (UK) LIMITED GB WO WO 1 UO+ IP 05/2012
43. HSBC RETIREMENT BENEFITS TRUSTEE GB WO WO 1 UO+ IP 05/2012
(UK) LIMITED
44. TOOLEY STREET VIEW LIMITED GB WO WO 1 UO+ IP 05/2012
45. HSBC ASIA HOLDINGS B.V. NL - WO 1 UO IP 09/2012
46. HSBC INTERNATIONAL HOLDINGS GB - WO 1 UO IP 09/2012
(JERSEY) LTD
47. HSBC PROFESSIONAL SERVICES (INDIA) n.a. - 97.93 1 UO OS 06/2010
PRIVATE LIMITED
48. HSBC BANK EGYPT S A E EG - 94.53 1 UO RM 12/2011
49. HSBC SOFTWARE DEVELOPMENT n.a. - 83.70 1 UO WW 06/2008
(GUANGDONG) LIMITED
50. HSBC BANK MALTA PLC MT - 70.30 1 UO RM 12/2011
51. HANG SENG BANK LTD. HK - 62.14 1 UO RM 12/2011
52. HOUSEHOLD IRELAND HOLDING INC US >50.00 >50.00 1 UO IP 10/2011
53. VENICE TOPCO LIMITED GB >50.00 >50.00 1 UO IP 08/2012
54. HSBC EUROPE (NETHERLANDS) B.V. NL - >50.00 1 UO IP 09/2012
55. DIRECT MERCHANTS CREDIT CARD BANK, US - MO 1 UO WW 02/2010
NATIONAL ASSOCIATION
56. HSBC BANK (CAYMAN) LIMITED KY - MO 1 UO IP 06/2010
57. HSBC BANK (VIETNAM) LTD VN - MO 1 UO WW 11/2010
58. HSBC BANK PLC GR MO n.a. 1 UO WW 04/2011
59. HSBC ELECTRONIC DATA PROCESSING IN - MO 1 UO WW 09/2010
(INDIA) PRIVATE LIMITED
60. HSBC NORTH AMERICA HOLDINGS INC. US - MO 1 UO IP 12/2011
61. HSBC SEGUROS SALVADORENO SA SV - MO 1 UO WW 05/2011
62. HSBC TECHNOLOGY & SERVICES USA US MO n.a. 1 UO IP 04/2011
63. SAUDI BRITISH BANK (THE) SA 40.00 n.a. 1 UO RM 12/2011
64. ATA INC. via its funds KY - 33.67 1 - FS 06/2012
65. BARROWGATE LIMITED HK 24.64 n.a. 1 - RM 12/2011
66. MICROMEGA HOLDINGS LIMITED via its ZA - 21.64 1 - FS 04/2012
funds
67. YANTAI BANK CO LTD CN 20.00 n.a. 1 - RM 12/2011
68. VIETNAM TECHNOLOGICAL AND VN 19.61 n.a. 1 - RM 12/2011
COMMERCIAL JOINT-STOCK BANK -
TECHCOMBANK
69. BANK OF COMMUNICATIONS CO. LTD CN 19.03 n.a. 1 - RM 12/2011

70. SINO AG DE 17.88 n.a. 1 - IP 07/2012
71. DEXION ABSOLUTE LIMITED GB - 15.97 1 - SE 05/2012
72. METALFRIO SOLUTIONS S.A. via its funds BR - 15.79 1 - FS 05/2012
73. PING AN INSURANCE (GROUP) COMPANY CN 15.57 n.a. 1 - RM 12/2011
OF CHINA LIMITED
74. GP INVESTMENTS LTD via its funds BM - 14.04 1 - FS 05/2012
75. VISIONCHINA MEDIA via its funds CN - 13.86 1 - FS 06/2012
76. ENG KAH CORPORATION BERHAD MY 12.96 n.a. 1 - SE 10/2010
77. INDUSTRIAL BANK CO LTD CN 12.80 n.a. 1 - RM 12/2011
78. HSBC GLOBAL ABSOLUTE LIMITED GB - 11.55 1 - SE 03/2010
79. GUJARAT NRE COKING COAL LIMITED via AU - 11.02 1 - FS 07/2011
its funds
80. PT UNGGUL INDAH CAHAYA TBK via its ID - 10.13 1 - FS 08/2012
funds
81. CINEWORLD GROUP PLC via its funds GB - 9.93 1 - FS 07/2012
82. BLUECREST BLUETREND LTD GB - 9.56 1 - SE 03/2012
83. IOCHPE MAXION SA via its funds BR - 9.21 1 - FS 05/2012
84. ADITYA BIRLA NUVO LIMITED via its funds IN - 9.05 1 - FS 07/2012
85. PROFARMA DISTRIBUIDORA DE PRODUTOS BR - 8.76 1 - FS 05/2012

FARMACEUTICOS S.A. via its funds
86. RADICO KHAITAN LTD. via its funds IN - 8.54 1 - FS 07/2012

87. HCL INFOSYSTEMS LTD via its funds IN - 8.52 1 - FS 07/2012
88. ISHARES S&P GLOBAL 100 INDEX (ETF) US 8.47 n.a. 1 - NQ 06/2009
89. ISHARES S&P GLOBAL FINANCIALS SECT. US 8.47 n.a. 1 - NQ 12/2010
(ETF)
90. ASHMORE GLOBAL OPPORTUNITIES LTD GB - 8.46 1 - SE 06/2012
91. HINDUSTAN CONSTRUCTION COMPANY IN - 8.25 1 - FS 06/2012
LIMITED via its funds
92. GUJARAT NRE COKE LIMITED via its funds IN - 8.20 1 - FS 07/2012
93. GVK POWER & INFRASTRUCTURE LIMITED IN - 8.14 1 - FS 07/2012

via its funds
94. MINETECH RESOURCES BERHAD MY 8.11 n.a. 1 - OS 01/2010
95. SAO CARLOS EMPRENDIMENTOS E BR - 8.06 1 - FS 05/2012
PARTICIPACOES S.A. via its funds
96. INDIABULLS REAL ESTATE LIMITED via its IN - 8.01 1 - FS 08/2012
funds
97. BANK OF SHANGHAI CN - 8.00 1 - RS 12/2010
98. CAIRN ENERGY PLC via its funds GB - 7.94 1 - FS 09/2012
99. CB INDUSTRIAL PRODUCT HOLDINGS MY - 7.76 1 - SE 08/2009
BERHAD
100. INFORTREND TECHNOLOGY INC via its TW - 7.73 1 - FS 04/2011
funds
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Watch

Unqualified Unqualified Audited Unqualified Audited
31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
mil USD mil USD mil USD mil USD mil USD
932,868.0 981,548.0 868,133.0 740,002.0 672,891.0

956,777.0 1,000,798.0 881,718.0 751,359.0 685,772.0
23,909.0 19,250.0 13,585.0 11,357.0 12,881.0
1,441,735.0 1,233,925.0 878,138.0 661,293.0 504,788.0
159,769.0 247,143.0 199,349.0 137,265.0 149,787.0
494,876.0 187,854.0 103,702.0 73,928.0 32,190.0
782,992.0 794,809.0 575,087.0 450,100.0 322,811.0
4,098.0 4,119.0 0.0 0.0 0.0
2,374,603.0 2,215,473.0 1,746,271.0 1,401,295.0 1,177,679.0
14,025.0 15,694.0 16,424.0 15,206.0 15,624.0
138,837.0 123,099.0 98,063.0 85,469.0 86,671.0
2,527,465.0 2,354,266.0 1,860,758.0 1,501,970.0 1,279,974.0
1,375,095.0 1,394,537.0 1,022,318.0 828,722.0 794,306.0

1,115,327.0 1,096,140.0 896,834.0 739,419.0 693,072.0
137,316.0 140,853.0 112,319.0 76,749.0 89,356.0
122,452.0 157,544.0 13,165.0 12,554.0 11,878.0
918,250.0 717,968.0 641,232.0 505,502.0 319,655.0
487,060.0 183,393.0 101,478.0 74,036.0 34,988.0
247,652.0 314,580.0 226,608.0 185,063.0 46,460.0
183,538.0 219,995.0 313,146.0 246,403.0 238,207.0
128,273.0 101,494.0 63,804.0 53,348.0 56,270.0
5,618.0 4,851.0 8,414.0 6,835.0 10,546.0
100,229.0 135,416.0 124,990.0 107,563.0 99,197.0
2,527,465.0 2,354,266.0 1,860,758.0 1,501,970.0 1,279,974.0
25,352.0 18,304.0 13,785.0 11,446.0 12,427.0

23,909.0 19,250.0 13,585.0 11,357.0 12,881.0
683,385.0 770,333.0 573,966.0 411,486.0 293,769.0
27,357.0 39,689.0 37,335.0 33,200.0 34,495.0
695,978.0 847,938.0 n.a. n.a. n.a.
8,216.0 10,255.0 n.a. n.a. n.a.

44,934.0 42,139.0 35,799.0 29,993.0 26,486.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
42,835.0 38,119.0 34,826.0 31,489.0 31,721.0
31,961.0 38,230.0 31,386.0 26,792.0 19,900.0
6,560.0 9,834.0 8,222.0 5,864.0 3,798.0
-2,250.0 1,028.0 657.0 1,034.0 n.a.
20,024.0 22,002.0 17,182.0 14,456.0 12,948.0

7,627.0 5,366.0 5,325.0 5,438.0 3,154.0
38,535.0 39,042.0 33,553.0 29,514.0 26,487.0
24,937.0 17,242.0 10,573.0 7,801.0 6,191.0
-2,017.0 4,147.0 n.a. n.a. n.a.
9,307.0 24,212.0 22,086.0 20,966.0 18,943.0
2,809.0 3,757.0 5,215.0 5,093.0 4,685.0
6,498.0 20,455.0 16,871.0 15,873.0 14,258.0
73,135.0 74,846.0 65,366.0 57,637.0 51,353.0
11,119.0 10,151.0 8,769.0 7,750.0 6,914.0
11.40 13.60 13.50 12.80 12.00

8.30 9.30 9.40 9.00 8.90
131,460.0 152,640.0 127,074.0 105,449.0 90,780.0
95,336.0 104,967.0 87,842.0 74,403.0 67,259.0
17,121.0 12,844.0 9,473.0 9,043.0 8,844.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
68,722.0 92,359.0 75,879.0 60,094.0 50,471.0

22,579.0 0.0 0.0 0.0 0.0
272.0 324.0 340.0 155.0 622.0
91,573.0 92,683.0 76,219.0 60,249.0 51,093.0
48,738.0 54,564.0 41,393.0 28,760.0 19,372.0

0.0 0.0 0.0 0.0 0.0
48,738.0 54,564.0 41,393.0 28,760.0 19,372.0
42,835.0 38,119.0 34,826.0 31,489.0 31,721.0
6,560.0 9,834.0 8,222.0 5,864.0 3,798.0

197.0 1,956.0 969.0 692.0 540.0
-2,250.0 1,028.0 657.0 1,034.0 n.a.
3,961.0 468.0 964.0 1,369.0 733.0

20,024.0 22,002.0 17,182.0 14,456.0 12,948.0
1,808.0 1,439.0 2,546.0 2,733.0 1,613.0
30,300.0 36,727.0 30,540.0 26,148.0 19,632.0
20,792.0 21,334.0 18,500.0 16,145.0 14,523.0
17,743.0 17,708.0 15,053.0 13,369.0 11,964.0
38,535.0 39,042.0 33,553.0 29,514.0 26,487.0
1,661.0 1,503.0 846.0 644.0 268.0

36,261.0 37,307.0 32,659.0 28,767.0 25,134.0
24,937.0 17,242.0 10,573.0 7,801.0 6,191.0
11,324.0 20,065.0 22,086.0 20,966.0 18,943.0

2,445.0 1,092.0 n.a. n.a. n.a.
10,564.0 n.a. n.a. n.a. n.a.
6,102.0 3,055.0 n.a. n.a. n.a.
9,307.0 24,212.0 22,086.0 20,966.0 18,943.0
2,809.0 3,757.0 5,215.0 5,093.0 4,685.0
6,498.0 20,455.0 16,871.0 15,873.0 14,258.0
-21,400.0 -1,155.0 901.0 1,104.0 n.a.

-11,898.0 5,748.0 4,591.0 -3,499.0 3,215.0
-26,800.0 25,048.0 22,363.0 13,478.0 17,473.0
770.0 1,322.0 1,082.0 792.0 1,340.0
5,728.0 19,133.0 15,789.0 15,081.0 12,918.0

11,119.0 10,151.0 8,769.0 7,750.0 6,914.0
182.0 90.0 n.a. n.a. n.a.
243,337.0 269,068.0 n.a. n.a. n.a.

196,890.0 231,766.0 476,146.0 420,476.0 387,852.0
407,474.0 400,771.0 396,582.0 322,665.0 287,393.0
109,076.0 99,193.0 8,990.0 8,218.0 10,527.0
23,909.0 19,250.0 13,585.0 11,357.0 12,881.0
932,868.0 981,548.0 868,133.0 740,002.0 672,891.0
956,777.0 1,000,798.0 881,718.0 751,359.0 685,772.0
25,352.0 18,304.0 13,785.0 11,446.0 12,427.0
159,769.0 247,143.0 199,349.0 137,265.0 149,787.0

471,220.0 501,425.0 361,885.0 260,509.0 134,038.0
494,876.0 187,854.0 103,702.0 73,928.0 32,190.0
286,222.0 273,232.0 195,435.0 182,342.0 185,332.0
14,013.0 9,768.0 9,371.0 n.a. n.a.
11,537.0 10,384.0 8,396.0 7,249.0 3,441.0
1,277,868.0 982,663.0 678,789.0 524,028.0 355,001.0
199,223.0 158,724.0 132,508.0 84,254.0 16,694.0
2,023.0 1,315.0 n.a. n.a. n.a.
2,075.0 2,804.0 0.0 0.0 0.0
2,374,603.0 2,215,473.0 1,746,271.0 1,401,295.0 1,177,679.0
52,396.0 21,765.0 12,732.0 13,712.0 9,944.0

14,025.0 15,694.0 16,424.0 15,206.0 15,624.0
21,855.0 34,253.0 32,472.0 29,225.0 30,362.0
5,502.0 5,436.0 4,863.0 3,975.0 4,133.0
2,552.0 896.0 n.a. 496.0 213.0
7,011.0 5,284.0 3,241.0 2,665.0 3,168.0
49,521.0 55,465.0 44,755.0 35,396.0 38,851.0
2,527,465.0 2,354,266.0 1,860,758.0 1,501,970.0 1,279,974.0
1,115,327.0 1,096,140.0 896,834.0 739,419.0 693,072.0

1,115,327.0 1,096,140.0 896,834.0 739,419.0 693,072.0
137,316.0 140,853.0 112,319.0 76,749.0 89,356.0
122,452.0 157,544.0 13,165.0 12,554.0 11,878.0
1,375,095.0 1,394,537.0 1,022,318.0 828,722.0 794,306.0
130,388.0 167,601.0 277,347.0 216,410.0 211,721.0

44,934.0 42,139.0 35,799.0 29,993.0 26,486.0
175,322.0 209,740.0 313,146.0 246,403.0 238,207.0
487,060.0 183,393.0 101,478.0 74,036.0 34,988.0
247,652.0 314,580.0 226,608.0 185,063.0 46,460.0
2,285,129.0 2,102,250.0 1,663,550.0 1,334,224.0 1,113,961.0
-6,919.0 -2,309.0 0.0 0.0 n.a.

5,618.0 4,851.0 8,414.0 6,835.0 10,546.0
1,822.0 2,559.0 1,805.0 n.a. n.a.
1,855.0 1,859.0 0.0 n.a. n.a.
43,683.0 42,606.0 17,670.0 14,144.0 19,190.0
87,832.0 56,779.0 44,329.0 39,204.0 37,080.0
2,419,020.0 2,208,595.0 1,735,768.0 1,394,407.0 1,180,777.0
8,216.0 10,255.0 n.a. n.a. n.a.
4,544.0 2,481.0 12,612.0 11,513.0 10,718.0
95,205.0 95,146.0 13,575.0 91,379.0 82,307.0

4,227.0 4,775.0 4,026.0 3,618.0 2,957.0
-20,550.0 850.0 2,005.0 1,104.0 n.a.
-1,843.0 n.a. n.a. n.a. n.a.
18,646.0 32,164.0 92,772.0 -51.0 3,215.0
95,685.0 132,935.0 112,378.0 96,050.0 88,479.0

2,527,465.0 2,354,266.0 1,860,758.0 1,501,970.0 1,279,974.0
52,747.0 n.a. n.a. n.a. n.a.
52,747.0 n.a. n.a. n.a. n.a.
6.81 9.81 9.26 8.17 n.a.

4.33 5.50 5.03 3.99 n.a.
3.93 4.64 4.81 4.59 n.a.

2.19 2.88 2.73 2.30 n.a.
1.84 1.91 2.20 2.40 n.a.

0.77 1.05 1.53 1.80 n.a.
1.83 1.90 2.20 2.40 n.a.
41.43 49.07 46.72 45.37 38.23

52.69 52.16 51.33 51.21 51.58
1.56 1.84 1.97 2.08 n.a.
30.44 30.31 31.25 31.24 n.a.
1.46 1.76 1.92 2.03 n.a.
68.77 46.22 32.37 27.12 24.63
9.51 16.30 21.13 22.77 n.a.

0.46 0.95 1.30 1.48 n.a.
30.18 15.52 23.61 24.29 24.73
3.16 3.32 3.48 3.48 3.31
0.99 1.79 2.35 2.53 2.50
5.45 16.62 16.14 17.24 n.a.

0.26 0.96 0.99 1.12 n.a.
-22.50 20.35 21.40 14.64 n.a.
-1.08 1.18 1.32 0.95 n.a.
0.26 n.a. n.a. n.a. n.a.
0.57 1.82 1.80 1.92 1.88

-2.33 2.23 2.38 1.63 2.30
4.59 n.a. n.a. n.a. n.a.

4.59 n.a. n.a. n.a. n.a.
2.72 4.02 4.11 4.27 4.09
8.30 9.30 9.40 9.00 8.90
11.40 13.60 13.50 12.80 12.00
3.79 5.65 6.04 6.39 6.91
173.92 50.07 51.98 48.83 48.49
-42.17 40.89 39.21 57.50 39.57

-5.02 7.68 7.21 8.46 8.30
7.36 26.52 23.89 17.34 n.a.

-4.40 13.51 17.35 9.56 n.a.
2.65 1.83 1.56 1.52 1.81
2.50 1.92 1.54 1.51 1.88
94.31 105.17 98.55 99.22 103.65
1.51 -0.71 0.18 0.09 -0.51
2.47 1.83 1.29 1.06 n.a.

1.70 1.36 1.16 1.23 n.a.
2.65 1.83 1.56 1.52 1.81
85.78 91.30 98.31 101.61 98.95

116.35 175.46 177.48 178.85 167.63
62.03 57.12 57.41 58.68 64.23
14,100.0 n.a. n.a. n.a. n.a.
72,895.0 77,885.0 n.a. n.a. n.a.

594,036.0 750,457.0 n.a. n.a. n.a.

14,947.0 19,596.0 n.a. n.a. n.a.
3,223,443.0 3,202,204.0 1,860,758.0 1,501,970.0 1,279,974.0
1,147,974.0 1,123,782.0 938,678.0 827,164.0 759,210.0
1,147,974.0 1,123,782.0 938,678.0 827,164.0 759,210.0
1,009,118.3 941,646.7 819,555.7 735,184.7 n.a.

2,329,450.0 1,996,949.3 1,585,875.3 1,313,239.0 n.a.
2,476,136.3 2,121,821.7 1,700,288.7 1,416,251.3 n.a.
14,100.0 n.a. n.a. n.a. n.a.
2,224,012.0 1,896,758.7 1,517,424.0 1,247,876.0 n.a.
102,381.3 73,267.0 67,524.7 86,799.7 n.a.
119,137.0 123,084.7 104,521.7 92,070.0 n.a.
1,124,463.3 991,268.7 823,331.7 721,315.7 n.a.

407,582.0 n.a. n.a. n.a. n.a.
525,286.0 n.a. n.a. n.a. n.a.

72,551.0 n.a. n.a. n.a. n.a.
93,824.0 n.a. n.a. n.a. n.a.
85,552.0 n.a. n.a. n.a. n.a.

146,268.0 n.a. n.a. n.a. n.a.
7,498.0 n.a. n.a. n.a. n.a.

1,083,426.0 n.a. n.a. n.a. n.a.
31,901.0 n.a. n.a. n.a. n.a.


123,835.0 n.a. n.a. n.a. n.a.
6,249.0 n.a. n.a. n.a. n.a.

44,934.0 42,139.0 35,799.0 29,993.0 26,486.0
6,498.0 20,455.0 16,871.0 15,873.0 14,258.0

6,498.0 n.a. n.a. n.a. n.a.
95,685.0 132,935.0 112,378.0 96,050.0 88,479.0

4,544.0 2,481.0 12,612.0 11,513.0 10,718.0

100,229.0 n.a. n.a. n.a. n.a.
95,685.0 132,935.0 112,378.0 96,050.0 88,479.0
-5,744.0 -2,309.0 0.0 0.0 n.a.
0.0 n.a. n.a. n.a. n.a.

21,855.0 34,253.0 32,472.0 29,225.0 30,362.0
5,502.0 5,436.0 4,863.0 3,975.0 4,133.0
282.0 272.0 59.0 176.0 3,168.0
7,577.0 n.a. n.a. n.a. n.a.
1,978.0 n.a. n.a. n.a. n.a.
52,747.0 n.a. n.a. n.a. n.a.

0.0 14,221.0 14,337.0 12,583.0 n.a.
0.0 n.a. n.a. n.a. n.a.
52,747.0 n.a. n.a. n.a. n.a.
22,605.8 n.a. n.a. n.a. n.a.

68,722.0 92,359.0 75,879.0 60,094.0 50,471.0

48,738.0 54,564.0 41,393.0 28,760.0 19,372.0

247,435.0 209,166.0 190,371.0 142,959.0 95,308.0

21,878.0 51,476.0 27,149.0 20,203.0 22,036.0

173,374.0 199,219.0 123,792.0 82,301.0 n.a.
442,687.0 459,861.0 341,312.0 245,463.0 117,344.0
237,944.0 230,534.0 161,870.0 n.a. n.a.
41,027.0 30,104.0 25,268.0 n.a. n.a.

7,251.0 12,594.0 8,297.0 n.a. n.a.
286,222.0 273,232.0 195,435.0 182,342.0 185,332.0
14,013.0 9,768.0 9,326.0 n.a. n.a.
n.a. 0.0 45.0 n.a. n.a.

14,013.0 9,768.0 9,371.0 n.a. n.a.
41,027.0 30,104.0 25,313.0 n.a. n.a.
202,503.0 263,289.0 159,238.0 102,504.0 22,036.0
17,955.0 n.a. n.a. n.a. n.a.

834.0 n.a. n.a. n.a. n.a.
17,121.0 12,844.0 9,473.0 9,043.0 8,844.0
20,625.0 n.a. 11,013.0 8,674.0 2,525.0

3,347.0 n.a. 2,572.0 2,683.0 10,017.0


14,516.0 14,049.0 13,575.0 12,563.0 10,468.0
17,457.0 21,058.0 21,058.0 21,058.0 21,058.0

82,822.0 78,788.0 65,397.0 56,223.0 49,432.0
1,995.0 1,968.0 2,111.0 1,535.0 1,349.0
4,227.0 4,775.0 4,026.0 3,618.0 2,957.0
91,458.0 128,160.0 108,352.0 92,432.0 85,522.0
95,685.0 132,935.0 102,141.0 91,379.0 82,307.0
-20,550.0 850.0 2,005.0 1,104.0 n.a.
-20,550.0 850.0 2,005.0 1,104.0 n.a.
-806.0 -917.0 -101.0 233.0 n.a.
1,995.0 1,968.0 2,111.0 1,535.0 1,349.0
-19,361.0 1,901.0 4,015.0 2,872.0 1,349.0
-19,361.0 1,901.0 4,015.0 2,872.0 1,349.0
4,544.0 2,481.0 12,612.0 11,513.0 10,718.0
100,229.0 135,416.0 124,990.0 107,563.0 99,197.0

11,301.0 10,241.0 8,769.0 7,750.0 6,914.0
11,119.0 10,151.0 8,769.0 7,750.0 6,914.0
282.0 272.0 59.0 176.0 3,168.0
3,469.0 5,436.0 4,863.0 3,975.0 n.a.

2,033.0 n.a. n.a. n.a. n.a.
n.a. 3,114.0 3,396.0 1,820.0 n.a.
n.a. 12,664.0 12,639.0 11,673.0 n.a.
n.a. 14,221.0 14,337.0 12,583.0 n.a.
0.0 14,221.0 14,337.0 12,583.0 n.a.
95,336.0 104,967.0 87,842.0 74,403.0 67,259.0

131,460.0 152,640.0 127,074.0 105,449.0 90,780.0
8.30 9.30 9.40 9.00 8.90
11.40 13.60 13.50 12.80 12.00
1,147,974.0 1,123,782.0 938,678.0 827,164.0 759,210.0


13,270.0 11,839.0 8,165.0 7,880.0 7,325.0
1,277,868.0 982,663.0 678,789.0 524,028.0 355,001.0

1,277,868.0 982,663.0 678,789.0 524,028.0 355,001.0


331,458 322,282 n.a. n.a. n.a.

8.30 9.30 9.40 9.00 8.90
11.40 13.60 13.50 12.80 12.00
52,396.0 21,765.0 12,732.0 n.a. n.a.

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.50 1.92 1.54 1.51 1.88

58.22 45.23 30.36 24.77 19.52
94.31 105.17 98.55 99.22 103.65
2.65 1.83 1.56 1.52 1.81
1.75 1.37 1.16 1.26 1.29
54.47 34.07 34.52 38.20 43.25
25.29 13.52 11.03 10.64 12.53
1.44 n.a. 0.16 0.08 n.a.
8.30 9.30 9.40 9.00 8.90

11.40 13.60 13.50 12.80 12.00
3.97 5.75 6.72 7.16 7.75
10.74 13.80 14.40 14.54 14.74
7.29 9.71 12.23 12.98 12.49
4.22 6.25 7.35 7.88 8.59
6.07 7.98 8.64 9.16 9.82
16.44 19.13 18.52 18.59 18.68
11.15 13.47 15.73 16.60 15.82
6.46 8.67 9.46 10.08 10.89
29.30 22.44 22.27 21.80 21.07
1.87 1.92 2.21 2.44 2.69

1.76 1.81 2.07 2.26 2.48
1.31 1.81 1.87 1.93 1.56
2.60 2.67 2.62 2.68 2.55
0.46 0.95 n.a. n.a. n.a.
-0.20 0.02 -0.31 -0.37 -0.37
0.27 0.97 1.00 1.14 1.11
5.52 15.71 14.51 15.35 14.37
171.11 49.63 51.98 48.83 48.49
-3.92 7.91 6.97 7.86 7.40
-31.04 20.27 n.a. n.a. n.a.
51.52 51.14 50.68 50.64 51.31
1.49 1.77 1.94 2.07 1.96
116.35 175.46 177.49 178.85 167.63

36.91 41.69 46.66 49.27 52.57
67.84 70.39 84.92 89.29 84.71
41.64 47.65 53.33 56.74 61.88
49.70 55.24 56.14 49.65 36.98
30.51 37.39 35.26 31.55 27.01
2005
8.79
8.68
8.37
8.36
8.68
8.90
9.23
8.93
9.17
8.89
9.26
9.33
Op.
Date of Vari- No of
Revenue
(mil USD)*
06/2010 - n.a. n.a.

06/2010 ð n.a. n.a.
12/2011 ö 20,394.0 80,013.0
06/2008 - n.a. n.a.
12/2011 ð n.a. n.a.
06/2008 - n.a. n.a.
12/2009 - n.a. n.a.
12/2011 ö 18,861.0 71,420.0
12/2011 ð 1,291.0 n.a.

12/2011 ð 447.0 n.a.
12/2011 ð 973.0 6,613.0
12/2011 ð 429.0 n.a.
12/2011 ð 5,742.0 21,776.0
12/2011 ð 2,446.0 n.a.

12/2011 ð 884.0 n.a.
12/2011 ð 2,115.0 5,322.0
12/2011 ð 4,776.0 9,244.0
12/2011 ð 2,060.0 n.a.

06/2010 ð n.a. n.a.
12/2011 ð 841.0 n.a.
06/2010 ð n.a. n.a.
12/2011 ð 2,453.0 5.0
12/2011 ð n.a. n.a.

06/2010 ð n.a. n.a.
12/2011 ð 124.0 n.a.
06/2010 ð n.a. n.a.

10/2010 - n.a. n.a.
06/2010 ð n.a. n.a.
12/2011 ð 2,222.0 10,030.0
12/2011 ð 2,394.0 n.a.
05/2012 ð n.a. n.a.
05/2012 ð 131.0 n.a.
05/2012 ð 49.0 n.a.
05/2012 ð n.a. n.a.

05/2012 ð 16.0 60.0
05/2012 ð n.a. n.a.
05/2012 ð <0,5 n.a.
05/2012 ð n.a. n.a.

05/2012 ø n.a. n.a.
05/2012 ð 6.0 8.0
05/2012 ð 4.0 n.a.
05/2012 ð n.a. n.a.

05/2012 ð n.a. n.a.
05/2012 ø n.a. n.a.

09/2012 ð 16.0 8.0
09/2012 ð n.a. n.a.
06/2010 ð n.a. n.a.
12/2011 ð 434.0 2,397.0

06/2008 - n.a. n.a.
12/2011 ö 252.0 1,551.0

12/2011 ñ 2,910.0 9,834.0
10/2011 ø n.a. n.a.
08/2012 - 83.0 118.0
09/2012 ð n.a. 7.0
02/2010 - 10.0 n.a.
06/2010 ð n.a. n.a.

11/2010 - 193.0 n.a.
04/2011 - 205.0 528.0
09/2010 ø n.a. n.a.
12/2011 ð 7,707.0 22,933.0

05/2011 - 16.0 n.a.
04/2011 ð 2.0 20.0
12/2011 ð 1,306.0 3,123.0
06/2012 ö 56.0 541.0
12/2011 ð n.a. 150.0
04/2012 ö 97.0 748.0
12/2011 ð 115.0 1,376.0

12/2011 ø 329.0 7,481.0
12/2011 ö 20,177.0 90,149.0

07/2012 ð 13.0 23.0
05/2012 ö n.a. n.a.
05/2012 ø 422.0 3,410.0
12/2011 ö 32,980.0 128,808.0
05/2012 ø - -
06/2012 ø n.a. n.a.
10/2010 ö 30.0 n.a.
12/2011 ð 6,520.0 29,214.0
03/2010 ö n.a. n.a.
07/2011 ö 192.0 n.a.
08/2012 - 462.0 695.0
07/2012 ð 538.0 4,672.0

03/2012 - n.a. n.a.
05/2012 ö 1,569.0 5,131.0
07/2012 ø 4,265.0 65,000.0
05/2012 ø 1,578.0 n.a.
07/2012 ø 394.0 n.a.

07/2012 ø 2,557.0 n.a.
06/2009 - n.a. n.a.
12/2010 - 7.0 n.a.
06/2012 ø n.a. n.a.

06/2012 ø 1,597.0 n.a.
07/2012 ø 274.0 n.a.
07/2012 ø 490.0 n.a.
01/2010 - 38.0 n.a.

05/2012 ø 186.0 n.a.
08/2012 ö 335.0 n.a.
12/2010 ð 2,248.0 8,737.0

09/2012 ø n.a. 1,178.0
08/2009 ö 144.0 n.a.
04/2011 - 68.0 600.0

Barclays Plc
EC3P 3AH LONDON BvD ID number GB00048839

Contact details
Lombard Street, 54 Phone number +44 (20) 7699 5000

Web Site Address www.barclays.com
EC3P 3AH LONDON
UNITED KINGDOM

Accounting Standards International Financial Nickname BARBNKIF
Latest total assets 1,563,527 mil GBP Ranking (Country), 2011

Latest net income 3,951 mil GBP Ranking (Country), rolling
(13/11/2012) World rank, 2011
shareholders
subsidiaries
Companies
Peer Group
Size 178
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 431,934.0 427,942.0 420,224.0 461,815.0
Gross Loans 442,486.0 440,326.0 430,959.0 468,338.0
Other Earning Assets 999,937.0 941,254.0 853,791.0 1,536,711.0
Derivatives 538,964.0 420,319.0 416,815.0 984,802.0
Fixed Assets 7,166.0 6,140.0 5,626.0 4,674.0
Total Assets 1,563,527.0 1,489,645.0 1,378,929.0 2,052,980.0

Derivatives 527,910.0 405,516.0 403,416.0 968,072.0
Other Reserves 1,850.0 1,312.0 1,359.0 1,892.0
Equity 65,196.0 62,262.0 58,478.0 47,411.0
Notes
Hybrid Capital (Memo) 530.0 1,046.0 1,017.0 1,086.0

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives 4,952.0 7,687.0 8,821.0 -324.0
Net Gains (Losses) on Assets at FV through Income 287.0 274.0 -208.0 33.0
Statement
Remaining Operating Income 3,453.0 1,636.0 773.0 1,661.0
Overheads 19,777.0 19,971.0 16,715.0 13,391.0
Other -186.0 554.0 -1,070.0 3,914.0
Tax 1,928.0 1,516.0 1,074.0 453.0
Net Income 3,951.0 4,549.0 10,288.0 5,287.0
Dividend Paid 660.0 543.0 113.0 3,047.0

Tier 1 Ratio 12.90 13.50 13.00 8.60
Total Capital 63,948.0 67,315.0 63,460.0 58,727.0
Tier 1 Capital 50,473.0 53,546.0 49,637.0 37,250.0
Net-Charge Offs 4,900.0 4,109.0 3,230.0 2,745.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income 129.0 116.0 6.0 196.0

Net Gains (Losses) on Trading and Derivatives 4,952.0 7,687.0 8,821.0 -324.0
Net Gains (Losses) on Other Securities 1,889.0 1,087.0 258.0 451.0
Net Gains (Losses) on Assets at FV through Income 287.0 274.0 -208.0 33.0
Statement
Other Operating Income 1,169.0 118.0 140.0 343.0

Operating Profit 4,265.0 5,464.0 4,942.0 716.0

Non-recurring Expense 1,094.0 n.a. n.a. n.a.
Change in Fair Value of Own Debt 2,708.0 391.0 -1,820.0 1,663.0
Other Non-operating Income and Expenses n.a. 129.0 1,275.0 2,430.0
Pre-tax Profit 5,879.0 6,065.0 4,585.0 5,136.0
Tax expense 1,928.0 1,516.0 1,074.0 453.0
Profit/Loss from Discontinued Operations n.a. n.a. 6,777.0 604.0
Net Income 3,951.0 4,549.0 10,288.0 5,287.0
Change in Value of AFS Investments 1,374.0 -1,236.0 1,236.0 -1,561.0

Currency Translation Differences -1,607.0 1,184.0 -861.0 2,274.0
Remaining OCI Gains/(losses) 1,189.0 15.0 81.0 1,336.0
Fitch Comprehensive Income 4,907.0 4,512.0 10,744.0 7,336.0
Memo: Common Dividends Relating to the Period 660.0 543.0 113.0 3,047.0
Balance Sheet
Assets
Loans
Other Loans n.a. n.a. n.a. 5,301.0
Net Loans 431,934.0 427,942.0 420,224.0 461,815.0
Gross Loans 442,486.0 440,326.0 430,959.0 468,338.0
Derivatives 538,964.0 420,319.0 416,815.0 984,802.0
Non-earning Assets
Fixed Assets 7,166.0 6,140.0 5,626.0 4,674.0
Goodwill 5,305.0 6,219.0 6,232.0 7,625.0
Other Assets 6,366.0 5,269.0 6,358.0 6,302.0
Total Assets 1,563,527.0 1,489,645.0 1,378,929.0 2,052,980.0
Funding
Derivatives 527,910.0 405,516.0 403,416.0 968,072.0
Total Funding 1,483,959.0 1,411,253.0 1,301,033.0 1,918,746.0
Fair Value Portion of Debt -2,680.0 -621.0 -340.0 -1,650.0
Current Tax Liabilities 1,397.0 646.0 992.0 1,216.0
Hybrid Capital
Pref. Shares and Hybrid Capital accounted for as 530.0 1,046.0 1,017.0 1,086.0
Debt
Equity
Equity
Common Equity 52,774.0 49,704.0 45,520.0 30,173.0
Securities Revaluation Reserves 25.0 -1,355.0 -110.0 -1,190.0
Foreign Exchange Revaluation Reserves 1,348.0 2,357.0 1,615.0 2,840.0
Fixed Asset Revaluations and Other Accumulated 1,442.0 152.0 252.0 1,143.0
OCI
Total Equity 58,681.0 54,325.0 49,628.0 35,284.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
%
Capitalization
Loan Quality
%
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 22,887.0 50,630.0 42,812.0 53,942.0

Acceptances and documentary credits reported off- 1,358.0 1,194.0 375.0 585.0
balance sheet
Other Contingent Liabilities n.a. 27,672.0 9,587.0 12,642.0
Average Loans 445,472.0 443,746.0 439,959.7 452,599.3
Average Assets 1,515,364.7 1,485,240.0 1,659,082.3 1,548,665.0
Average Equity 55,977.3 52,106.0 41,643.0 28,203.0
Maturities


Interbank 1 - 5 Years 1,964.0 2,265.0 2,940.0 3,741.0
Interbank > 5 Years 745.0 570.0 595.0 997.0
Retail Deposits < 3 months 332,937.0 308,487.0 292,349.0 308,310.0

Retail Deposits 3 - 12 Months 20,407.0 25,382.0 20,166.0 19,488.0
Retail Deposits > 5 Years 3,506.0 3,169.0 3,911.0 3,701.0

Interbank 1 - 5 Years 1,634.0 1,529.0 1,525.0 2,046.0
Interbank > 5 Years 233.0 529.0 632.0 618.0

Net Income 3,951.0 4,549.0 10,288.0 5,287.0
Equity 58,681.0 54,325.0 49,628.0 35,284.0
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on -2,680.0 -621.0 -340.0 -1,650.0
the B/S- CC only
Goodwill 5,305.0 6,219.0 6,232.0 7,625.0
securitizations

Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 68,491.0 65,110.0 56,483.0 64,976.0

Asset Quality Data

Net Charge-offs
Recoveries 265.0 201.0 150.0 174.0
Net Charge-offs 4,900.0 4,109.0 3,230.0 2,745.0
Reserves
Collective/General Loan Impairment Reserves n.a. n.a. 3,139.0 1,876.0
Individual/Specific Loan Impairment Reserves n.a. n.a. 7,657.0 4,698.0

Capital
Eligible Capital
Ordinary Share Capital and Premium/Paid-in Capital 12,380.0 n.a. 10,804.0 6,138.0

dividends
Treasury Shares n.a. n.a. 140.0 173.0
Valuation Reserves for AFS Securities in OCI Total 25.0 n.a. -110.0 -1,190.0
Valuation Reserves for FX in OCI 1,348.0 n.a. 1,615.0 2,840.0
Total Valuation Reserves in OCI 1,373.0 n.a. 1,505.0 1,650.0
Cash Flow Hedge Reserve 1,442.0 n.a. 252.0 132.0
Other OCI Reserves 1,022.0 n.a. 1,011.0 1,011.0
Total OCI Reserves 3,837.0 n.a. 2,768.0 2,793.0
Total Other Equity Reserves 3,837.0 n.a. 2,768.0 2,793.0
Interests
absorbing

Total Dividends Paid and Declared in Period 660.0 543.0 113.0 3,047.0
Deferred Tax Assets to be Deducted from Core 3,010.0 n.a. 1,038.0 1,659.0
Capital
Intangibles to be deducted from Core Capital n.a. n.a. 2,563.0 2,777.0
Regulatory Capital

II
First Loss Pieces Retained from Securitisations 4,764.0 n.a. 5,598.0 1,408.0
Capital
Unencumbered Securities 949,377.0 900,642.0 809,806.0 1,420,652.0
deposits
banks

loans

Leverage Ratio% 20.00 20.00 20.00 n.a.
Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 12.90 13.50 13.00 8.60
Equity / Net Loans 15.09 14.55 13.92 10.27
Operations
Non Op Items & Taxes / Avg Ast -0.14 -0.07 -0.13 0.21
Dividend Pay-Out 16.71 11.94 1.10 57.63
Liquidity
Interbank Ratio 67.78 80.36 67.28 60.15
General information


Ticker symbol: BARC

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Munchen
Boerse Stuttgart
US Exchange
XETRA
Market price - May 1.76 2.77 3.05 2.98 3.75 7.22 6.18

Price trends (%)

BETA






Date News
1 12/11/2012 MarkWest Energy Partners announces public offering (deal no.
1601419869)
2 09/11/2012 Element Financial increases private placement (deal no.
1601419340)
3 09/11/2012 Element Financial to acquire CoActiv Capital Partners (deal no.
1601419349)
4 09/11/2012 Canada Pension Plan Investment Board acquires Tomkins' air
distribution unit (deal no. 1601404898)
5 08/11/2012 PVR Partners prices public offering (deal no. 1601419225)
6 07/11/2012 iStar Financial commences offering of convertible loan notes (deal
no. 1601418410)
7 07/11/2012 Legacy Reserves announces public offering (deal no.
1601418722)
8 06/11/2012 Ms Cheryl Holden acquires Glenthorne Care Home from Ms
Valerie Tyler (deal no. 1601418254)
9 06/11/2012 Borealis Infrastructure to acquire stake in EDP Renováveis' US
wind farms (deal no. 1601418183)
10 05/11/2012 Armstrong World Industries prices public offering of existing
11 05/11/2012 Platinum Equity completes acquisition of BWAY Parent Company
from Madison Dearborn Partners (deal no. 1601408173)
12 02/11/2012 Delek Logistics Partners lists on NYSE: Underwriters exercise

overallotment option (deal no. 1601386439)
13 01/11/2012 Ananda Development going for Thailand IPO (deal no.
1633102936)
14 01/11/2012 Prospect Capital prices public offering (deal no. 1601417215)
15 31/10/2012 PVH tags Warnaco (deal no. 1601416237)
16 31/10/2012 Clayton, Dubilier & Rice completes acquisition of a majority stake
in Illinois Tool Works' decorative services division (deal no.
1601395588)
17 31/10/2012 PVH to acquire Warnaco Group: Harwood Feffer investigates

Warnaco (deal no. 1601416237)
18 26/10/2012 Ananda Development plans IPO on SET (deal no. 1633102936)
19 25/10/2012 Acadia Realty Trust prices public offering (deal no. 1601415009)
20 24/10/2012 PolyOne moulds deal for Spartech (deal no. 1601414328)

21 24/10/2012 PolyOne agrees to acquire Spartech: Law firms investigate
Spartech (deal no. 1601417764)
22 24/10/2012 Excel Trust prices public offering (deal no. 1601414607)
23 24/10/2012 OFS Capital prices initial public offering (deal no. 1601418746)
24 23/10/2012 Nokia has completed convertible bonds issue (deal no.

1601413824)
25 22/10/2012 Halcon Resources to acquire Williston Basin assets from Petro-
Hunt (deal no. 1601413696)
26 22/10/2012 Permira to acquire Ancestry.com: Law firms investigate Ancestry
for possible breaches of fiduciary duty (deal no. 1601389684)
27 19/10/2012 HICL Infrastructure acquires stake in Prime LIFT Investments

(deal no. 1601412988)
28 18/10/2012 Given Imaging weighs strategic options (deal no. 1601412669)
29 18/10/2012 Copano Energy prices public offering (deal no. 1601413246)

30 18/10/2012 Carlyle and management complete acquisition of Getty Images
(deal no. 1601372287)
31 18/10/2012 Bridgemere, Toscafund and Penta Capital end talks for takeover
of Redrow (deal no. 1601398928)
32 17/10/2012 Investcorp ‘building up to Armacell divestment’ (deal no.
1601390452)
33 17/10/2012 Fujinon Corporation is interested in Given Imaging (deal no.
1601412669)
34 17/10/2012 Given Imaging is considering acquisitions (deal no. 1601412700)

36 16/10/2012 Corporate Office Properties completes public offering (deal no.
1601410547)
37 15/10/2012 Walter Investment Management prices offering of common
38 15/10/2012 Walter Investment Management prices offering of convertible
notes (deal no. 1601411826)
39 11/10/2012 Realogy Holdings completes IPO (deal no. 1601376923)
40 11/10/2012 Tokyo Electron completes acquisition of FSI International (deal
no. 1601394555)
41 10/10/2012 Kelso & Company agrees to acquire Swank Audio Visuals (deal
no. 1601410453)
42 09/10/2012 ING selling UK business to Barclays (deal no. 1601409744)
43 09/10/2012 Spectrum Brands signs agreement to acquire Stanley Black &
Decker's Hardware & Home Improvement Group (deal no.
1601281855)
44 09/10/2012 ING agrees to sell ING Direct UK to Barclays (deal no.

1601409744)
45 08/10/2012 Fibrocell Science announces private placement of common shares
(deal no. 1601409703)
46 05/10/2012 National Bank of Greece seeks shareholder approval of Eurobank
takeover (deal no. 1601409233)
47 04/10/2012 Berry Plastics Group lists on NYSE (deal no. 1601355229)
48 04/10/2012 Qtel increases its stake in Wataniya Telecom (deal no.
1601395739)
49 03/10/2012 Madison Dearborn exits BWAY, Platinum invests (deal no.
1601408173)
50 03/10/2012 Luxfer has been listed on NYSE (deal no. 1601324559)
Source : Zephyr
Boards & committees

= also shareholder
1. Mr. Marcus Ambrose Paul Agius - Group Non-Executive Chairman BoD RE, WW
P006320339 of the Board (since 01/01/2007)
Committee
- Chairman of the Corporate NomC, WW
Governance and Nominations CoGoC
Committee
- Chairman of the Board OthBC WW
Citizenship Committee
2. Sir Michael Derek Vaughan Rake - Non-Executive Deputy Chairman BoD JO, RE, VI,
P101449916 of the Board, Senior Independent WW
Director; Non Executive Director
- Non-Exec Contact
(since 02/07/2012)

- Chairman of the Audit Committee AudC WW
- Member of the Corporate NomC, WW

Committee
3. Mr. David George Booth - Non-Executive Member of the BoD DB, JO, RE,
P056883343 Board of Directors; Non- RT, WW
Executive Independent Director
(since 01/05/2007)
Committee
Committee
- Chairman of the Board Risk WW
Committee
4. Mr. Fulvio Conti - Non-Executive Independent BoD DB, JO, RE,
P006320343 Director; Non-Executive Member RT, VI, WW
of the Board of Directors
(since 01/04/2006)
(since 09/2006)
5. Mr. Simon John Fraser - Non-Executive Independent BoD DB, JO, RE,
Committee
6. Mr. Reuben Jeffery III - Non-Executive Independent BoD DB, JO, RE,
P057550491 Director; Non-Executive Member RT, WW
(since 16/07/2009)
6. - Non-Executive Independent BoD DB, JO, RE,
Director; Non-Executive Member RT, WW
(since 16/07/2009)
7. Mr. Antony Peter Jenkins - Director (occupation: Group Chief BoD DB, RT, WW
P011487442 Executive) (since 30/08/2012)
- Member of the Executive ExeB VI, WW

8. Professor Sir John Andrew - Non Executive Director - Non- BoD DB, JO, RT
Likierman Exec Contact (since 01/09/2004)
P016132040
9. Sir Andrew Likierman - Non-Executive Member of the BoD RE, WW
P006320351 board of Directors; Non-
(since 01/09/2004)
10. Mr. Christopher George Lucas - Director (since 01/04/2007) BoD DB, RT
P006320352 - Group Finance Director, BoD RE, WW
Executive Director
(since 01/04/2007)
Committee
11. Doctor nambisa Felicia Moyo - Non-Executive Independent BoD DB, JO, RE,
- Member of the Citizenship OthBC WW
Committee
12. Sir John Michael Sunderland - Non-Executive Member of the BoD DB, JO, RE,
P065329446 Board of Directors; Non- RT, WW
(since 01/06/2005)
Committee
Committee
- Member of the Citizenship OthBC WW
Committee
13. Sir David Alan Walker - Non-Executive Director BoD DB, RE, RT,
P068607865 (since 01/09/2012) WW
Committee
Committee
- Member of the Board Citizenship OthBC WW
Committee
14. Mr. Lawrence Charles Dickinson - Company Secretary BoD DB, RE, RT
P006320347 (since 19/09/2002)
15. Mrs. Sally Bott - Member of the Executive ExeB WW
16. Mr. Mark Dominic Harding - Member of the Executive ExeB WW
16.
- Chairman of the Group CoGoC, WW

Governance and Control OthBC
Group Operating Committee
17. Mr. Thomas Llewellyn Kalaris - Member of the Executive ExeB WW
P035842944 Committee (Executive Chairman
of Barclays in the Americas)
(since 11/2009)
18. Mr. Robert M Le Blanc - Member of the Executive ExeB WW
19. Mrs. Maria D C D N C Ramos - Member of the Executive ExeB VI, WW
P038932546 Committee (Group Chief
Executive, Absa)
(since 01/03/2009)
20. Mr. Richard Thomas Ricci - Member of the Executive ExeB WW
21. Mrs. Valérie Soranno Keating - Member of the Executive ExeB WW
22. Mr. Ashok Valiram Vaswani - Member of the Executive ExeB WW
Management & staff

= also shareholder
1. Mr. Antony Peter Jenkins - Director (occupation: Group Chief SenMan DB, RT, WW
P011487442 Executive) (since 30/08/2012)
- Group Chief Executive, Director SenMan RE, WW

(since 30/08/2012)
Executive Contact
2. Mr. Thomas Llewellyn Kalaris - Chief Executive Officer; Chief SenMan JG, RE
P035842944 Executive - Barclays Wealth
(since 2009)
3. Mrs. Maria D C D N C Ramos - Group Chief Executive of Absa SenMan RE
P038932546 and Chief Executive of Barclays
Africa (since 2009)
4. Mr. Richard Thomas Ricci - Chief Executive - Corporate and SenMan RE
(since 22/06/2012)
5. Mr. Marcus Ambrose Paul Agius - Director (since 01/09/2006) SenMan DB, RT
P006320339 - Group Chairman - Executive SenMan JO
Contact
6. Mr. Christopher George Lucas - Director (since 01/04/2007) SenMan DB, RT
P006320352 - Group Finance Director, FinAcc RE, WW
Executive Director
(since 01/04/2007)
- Group Finance Director - SenMan, JO
7. Sir Michael Derek Vaughan Rake - Director (since 01/01/2008) SenMan DB, RT
P101449916
8. Mr. Lawrence Charles Dickinson - Company Secretary SenMan DB, RE, RT
P006320347 (since 19/09/2002)
- Company Secretary - Non-Exec SenMan, JO
Contact OthDep
9. Mr. John Alexander Worth - Group Financial Controller FinAcc RE
P011591984 (since 2011)
10. Mrs. Sally Bott - Head of Human Resources HR RE, VI, WW
(since 04/2011)
10. - Head of Human Resources HR RE, VI, WW
P010718797 (since 04/2011)
11. Mr. Mark Dominic Harding - Group General Counsel LegDep RE, WW
P044977295 (since 2003)
12. Mr. Robert M Le Blanc - Chief Risk Officer (since 2004) OthDep RE, VI, WW
P010982779
13. Mr. Robert Edward jn. Diamond - Chief Executive - Executive SenMan JO
P006320346 Contact
14. Sir David Alan Walker - Company Director - Executive SenMan DB, JO
P068607865 Contact; Senior decision maker
contact
15. Mr. Leo Salom - Marketing Manager; Head of MarkAdv DB
P042162830 Commercial Banking

Ownership Source


1. BARCLAYS GROUP US INC. US 100.00 100.00 1 UO+ RM 12/2011
2. BARCLAYS BANK S.A. ES - 100.00 1 UO+ RM 12/2011
3. BARCLAYS SLCSM (NO.1) LIMITED GB - 100.00 1 UO+ OS 01/2010
4. DRONE HILL WIND FARM LIMITED GB - 100.00 1 UO+ IP 09/2011
5. FIRSTPLUS FINANCIAL GROUP PLC GB - 100.00 1 UO+ RM 12/2011
6. BARCLAYS INSURANCE (DUBLIN) LIMITED IE WO WO 1 UO+ IP 08/2012
7. GRACECHURCH CARD (HOLDINGS) GB WO WO 1 UO+ IP 05/2012

LIMITED
8. GRACECHURCH GMF FUNDING 1 LIMITED GB WO WO 1 UO+ IP 08/2012
9. GRACECHURCH MORTGAGE FUNDING GB WO WO 1 UO+ IP 05/2012
HOLDINGS LIMITED
10. HURLEY INVESTMENTS NO.1 LTD KY WO WO 1 UO+ IP 10/2011
11. TAURUS HOMES INC US WO WO 1 UO+ IP 08/2012
12. THIRD ENERGY HOLDINGS LTD KY WO WO 1 UO+ IP 05/2012
13. BARCLAYS BANK PLC GB WO n.a. 1 UO+ RS 12/2011
14. GALLEN INVESTMENTS LIMITED KY WO n.a. 1 UO+ IP 09/2012
15. BARCLAYS BANK OF KENYA LTD KE 68.50 n.a. 1 UO RM 12/2011
16. ABSA GROUP LIMITED ZA - 55.50 1 UO RM 12/2011
17. APPALACHIAN NPI LLC US MO n.a. 1 UO WW 10/2011
18. BARCLAYS BANK (SEYCHELLES) LIMITED SC - MO 1 UO IP 05/2012
19. BARCLAYS BANK - EGYPT S.A.E. EG - MO 1 UO IP 01/2011
20. BARCLAYS BANK OF UGANDA LIMITED UG MO n.a. 1 UO IP 10/2010
21. BARCLAYS FINANCIAL CORPORATION US - MO 1 UO IP 12/2011
22. DILUCULO INVESTMENTS (PTY) LTD ZA - MO 1 UO WW 03/2010
23. GOLDFISH CARD SERVICES LIMITED GB - MO 1 UO+ WW 01/2011
24. PHYSIOMICS PLC GB - 24.07 1 - SE 11/2009
25. BARCLAYS SECURED FUNDING (LM) GB 20.00 n.a. 1 - IP 06/2012
LIMITED
26. SPDR S&P HOMEBUILDERS (ETF) US 18.33 n.a. 1 - NQ 09/2009
27. DEXION COMMODITIES LIMITED GB - 17.94 1 - SE 12/2009
28. PARTNERS GROUP GLOBAL GB - 15.36 1 - SE 03/2009
OPPORTUNITIES LIMITED
29. SURGICAL INNOVATIONS GROUP PLC via GB - 14.91 1 - FS 04/2012
its funds
30. COSTAIN GROUP PLC via its funds GB - 14.16 1 - FS 07/2012
31. SAREUM HOLDINGS PLC via its funds GB - 13.36 1 - FS 04/2012
32. AEA TECHNOLOGY GROUP PLC via its funds GB - 12.85 1 - FS 04/2012
33. PROVEXIS PLC via its funds GB - 12.27 1 - FS 04/2012

34. STYLES & WOOD GROUP PLC GB - 12.03 1 - SE 06/2009
35. LONDON SCOTTISH BANK PLC GB - 12.01 1 - SE 09/2008
36. SPDR KBW INSURANCE (ETF) US 11.93 n.a. 1 - NQ 06/2009
37. ANGEL MINING PLC via its funds GB - 11.33 1 - FS 07/2012
38. HIBU PLC via its funds GB - 11.25 1 - FS 09/2012
39. ASTAR MINERALS PLC GB ±11.15 n.a. 1 - SE 07/2009
40. PT ASURANSI BINA DANA ARTA TBK via its ID - 11.08 1 - FS 05/2012
funds
41. CHELVERTON GROWTH TRUST PLC GB - 11.02 1 - SE 09/2009
42. BAOBAB RESOURCES PLC via its funds GB - 10.71 1 - FS 08/2012
43. REGENCY MINES PLC via its funds GB - 10.44 1 - FS 09/2012
44. REFLEC PLC GB - 10.33 1 - SE 07/2009
45. EDENVILLE ENERGY PLC via its funds GB - 10.25 1 - FS 08/2012
46. LENI GAS & OIL PLC via its funds GB - 10.16 1 - FS 07/2012
47. SIRIUS PETROLEUM PLC via its funds GB - 9.79 1 - FS 04/2012
48. LUXFER HOLDINGS PLC via its funds GB - 9.43 1 - FS 10/2012
49. VICTORIA OIL & GAS PLC via its funds GB - 9.22 1 - FS 08/2012
50. VISLINK PLC via its funds GB - 9.22 1 - FS 05/2012
51. PINNACLE TECHNOLOGY GROUP PLC GB - 8.97 1 - SE 09/2009
52. SOLGOLD PLC GB - ±8.94 1 - SE 07/2009
53. GOLDEN EAGLE ENERGY TBK, PT via its ID - 8.84 1 - FS 08/2012
funds
54. DESIRE PETROLEUM PLC via its funds GB - 8.81 1 - FS 05/2012
55. JPMORGAN MID CAP INVESTMENT TRUST GB - 8.73 1 - SE 08/2011
PLC
56. ADALTA REAL PLC GB - 8.64 1 - SE 07/2009
57. CONDOR GOLD PLC via its funds GB - 8.49 1 - FS 08/2012
58. ALEXANDER DAVID INVESTMENTS PLC GB 8.39 n.a. 1 - WW 04/2010
59. RED ROCK RESOURCES PLC via its funds GB - 8.36 1 - FS 05/2012
60. ENVIRON GROUP (INVESTMENTS) PLC GB - 8.33 1 - SE 05/2010
61. INVESTEC PLC via its funds GB - 8.32 1 - FS 09/2012
62. TOROTRAK PLC via its funds GB - 8.19 1 - FS 04/2012
63. CONCHA PLC GB - ±8.11 1 - SE 10/2009
64. FLUORMIN PLC GB - 7.98 1 - SE 10/2009
65. CAMBRIDGE MINERAL RESOURCES PLC GB - 7.94 1 - SE 12/2008
66. MELDEX INTERNATIONAL PLC GB - 7.82 1 - SE 01/2009
67. ATH RESOURCES PLC via its funds GB - 7.49 1 - FS 06/2012
68. MATRA PETROLEUM PLC via its funds GB - 7.19 1 - FS 08/2012
69. ACERTEC LIMITED GB - 7.18 1 - SE 06/2009
70. OXUS GOLD PLC. via its funds GB - 7.14 1 - FS 09/2012
71. URANIUM RESOURCES PLC GB - ±7.13 1 - SE 03/2009
72. ASCENT RESOURCES PLC via its funds GB - 7.01 1 - FS 07/2012
73. METROVACESA SA ES - 6.98 1 - RS 12/2010
74. IRVINE ENERGY PLC GB - 6.90 1 - SE 07/2009
75. VIALOGY PLC GB - 6.85 1 - SE 07/2009
76. EUROPA OIL & GAS (HOLDINGS) PLC via its GB - 6.84 1 - FS 04/2012
funds
77. ERINACEOUS GROUP PLC GB - 6.83 1 - SE 04/2008
78. NORTHACRE PLC via its funds GB - 6.70 1 - FS 07/2012
79. ULTRASIS PLC via its funds GB - 6.70 1 - FS 07/2012
80. MASKAPAI REASURANSI INDONESIA TBK., ID - 6.67 1 - FS 05/2012
PT (MAREIN) via its funds
81. NORTHERN PETROLEUM PLC via its funds GB - 6.41 1 - FS 08/2012
82. SCHRODER UK MID CAP FUND PLC GB - 6.31 1 - SE 12/2009
83. AEOREMA COMMUNICATIONS PLC GB 6.20 n.a. 1 - WW 09/2012
84. NIGHTHAWK ENERGY PLC via its funds GB - 6.19 1 - FS 04/2012
85. JUBILEE PLATINUM PLC. via its funds GB - 6.13 1 - FS 06/2012
86. UK COAL PLC via its funds GB - 6.08 1 - FS 09/2012
87. REACH4ENTERTAINMENT ENTERPRISES GB - 6.01 1 - SE 03/2009
PLC
88. MONKS INVESTMENT TRUST PLC GB - 6.00 1 - RS 06/2009
89. BLAVOD WINES AND SPIRITS PLC GB - 5.99 1 - SE 05/2009
90. EDINBURGH UK TRACKER TRUST PLC GB - 5.99 1 - SE 03/2009
91. SEAENERGY PLC via its funds GB - 5.99 1 - FS 06/2012
92. ATLANTIC COAL PLC via its funds GB - 5.95 1 - FS 09/2012
93. TOLEDO MINING CORPORATION PLC GB - 5.95 1 - SE 01/2009
94. HYDER CONSULTING PLC via its funds GB - 5.93 1 - FS 07/2012
95. REGENT INNS PLC GB - 5.91 1 - WW 07/2009
96. THORNTONS PLC via its funds GB - 5.90 1 - FS 09/2012
97. BLACKROCK INCOME AND GROWTH GB - 5.87 1 - OS 10/2009
INVESTMENT TRUST PLC
98. STANLEY GIBBONS GROUP PLC (THE) via GB - 5.87 1 - FS 07/2012
its funds
99. TELECITY GROUP PLC GB - 5.86 1 - SE 06/2011
100. BUANA FINANCE TBK PT via its funds ID - 5.81 1 - FS 09/2012
9 5000
com
n Europe)
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Watch

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
461,815.0 345,398.0 282,300.0 268,896.0 262,409.0

468,338.0 349,167.0 285,631.0 272,342.0 265,097.0
6,523.0 3,769.0 3,331.0 3,446.0 2,688.0
1,536,711.0 857,739.0 690,172.0 636,090.0 257,951.0
179,756.0 225,031.0 207,424.0 193,404.0 82,404.0
984,802.0 248,088.0 138,353.0 136,823.0 18,174.0
305,496.0 293,769.0 261,597.0 222,670.0 148,797.0
66,657.0 90,851.0 82,798.0 83,193.0 8,576.0
1,998,526.0 1,203,137.0 972,472.0 904,986.0 520,360.0
4,674.0 2,996.0 2,492.0 2,754.0 2,282.0
49,780.0 21,228.0 21,823.0 16,617.0 15,539.0
2,052,980.0 1,227,361.0 996,787.0 924,357.0 538,181.0
634,335.0 556,754.0 475,493.0 437,330.0 387,882.0

335,505.0 294,987.0 313,877.0 292,923.0 217,492.0
298,830.0 92,338.0 161,616.0 144,407.0 112,229.0
n.a. 169,429.0 n.a. n.a. 58,161.0
1,285,497.0 526,096.0 391,481.0 358,711.0 103,721.0
968,072.0 248,288.0 140,697.0 137,971.0 18,009.0
59,474.0 65,402.0 71,874.0 71,564.0 53,903.0
257,951.0 212,406.0 178,910.0 149,176.0 31,809.0
83,845.0 109,668.0 100,154.0 101,546.0 21,384.0
1,892.0 2,367.0 2,269.0 2,340.0 2,281.0
47,411.0 32,476.0 27,390.0 24,430.0 22,913.0
2,052,980.0 1,227,361.0 996,787.0 924,357.0 538,181.0
15,700.0 9,641.0 5,088.0 4,550.0 3,536.0

6,523.0 3,769.0 3,331.0 3,446.0 2,688.0
449,954.0 481,152.0 426,855.0 368,160.0 189,282.0
10,402.0 8,296.0 7,307.0 7,291.0 4,657.0
326,835.0 237,608.0 248,123.0 253,857.0 172,557.0
1,086.0 n.a. n.a. n.a. n.a.

28,756.0 18,150.0 13,786.0 12,463.0 6,128.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
11,665.0 9,636.0 9,158.0 8,097.0 6,833.0
7,861.0 12,748.0 12,483.0 9,281.0 7,331.0
-324.0 3,438.0 3,807.0 2,648.0 2,514.0
33.0 293.0 447.0 389.0 n.a.
6,491.0 7,708.0 7,177.0 5,705.0 4,847.0

1,661.0 1,309.0 1,052.0 539.0 -30.0
13,391.0 13,466.0 13,106.0 10,524.0 8,536.0
4,913.0 2,306.0 2,074.0 1,574.0 1,093.0
3,914.0 464.0 675.0 0.0 45.0
5,136.0 7,076.0 7,136.0 5,280.0 4,580.0
453.0 1,981.0 1,941.0 1,439.0 1,279.0
5,287.0 5,095.0 5,195.0 3,841.0 3,301.0
19,512.0 22,342.0 21,595.0 17,333.0 14,108.0
3,047.0 2,559.0 2,215.0 1,687.0 1,413.0
13.60 12.10 11.70 11.30 11.80

8.60 7.80 7.70 7.00 7.10
58,727.0 42,642.0 34,711.0 30,502.0 25,847.0
37,250.0 27,408.0 23,005.0 18,895.0 15,544.0
2,745.0 1,736.0 1,915.0 1,365.0 1,327.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
23,754.0 19,559.0 16,290.0 13,643.0 11,269.0
4,256.0 5,749.0 5,515.0 3,589.0 2,611.0
196.0 26.0 15.0 22.0 n.a.
28,206.0 25,334.0 21,820.0 17,254.0 13,880.0
8,886.0 6,830.0 5,895.0 4,771.0 3,588.0

7,655.0 8,868.0 6,767.0 4,386.0 3,459.0
16,541.0 15,698.0 12,662.0 9,157.0 7,047.0
11,665.0 9,636.0 9,158.0 8,097.0 6,833.0
-324.0 3,438.0 3,807.0 2,648.0 2,514.0

451.0 560.0 307.0 120.0 0.0
33.0 293.0 447.0 389.0 n.a.
853.0 519.0 485.0 227.0 -217.0

6,491.0 7,708.0 7,177.0 5,705.0 4,847.0
343.0 188.0 214.0 147.0 131.0
7,847.0 12,706.0 12,437.0 9,236.0 7,275.0
7,204.0 8,405.0 8,169.0 6,318.0 5,227.0
6,187.0 5,061.0 4,937.0 4,206.0 3,309.0
13,391.0 13,466.0 13,106.0 10,524.0 8,536.0
14.0 42.0 46.0 45.0 56.0

6,135.0 8,918.0 8,535.0 6,854.0 5,628.0
4,913.0 2,306.0 2,074.0 1,574.0 1,093.0
506.0 489.0 80.0 n.a. n.a.
716.0 6,123.0 6,381.0 5,280.0 4,535.0

327.0 28.0 323.0 0.0 45.0
1,663.0 658.0 n.a. n.a. n.a.
2,430.0 267.0 432.0 0.0 n.a.
5,136.0 7,076.0 7,136.0 5,280.0 4,580.0
453.0 1,981.0 1,941.0 1,439.0 1,279.0
604.0 n.a. n.a. n.a. n.a.
5,287.0 5,095.0 5,195.0 3,841.0 3,301.0
-1,561.0 22.0 -93.0 225.0 n.a.

2,274.0 131.0 -594.0 214.0 -58.0
1,336.0 n.a. n.a. n.a. n.a.
7,336.0 5,248.0 4,508.0 4,280.0 3,243.0
905.0 678.0 624.0 394.0 47.0
4,382.0 4,417.0 4,571.0 3,447.0 3,254.0
3,047.0 2,559.0 2,215.0 1,687.0 1,413.0

135,384.0 106,751.0 n.a. n.a. n.a.
53,087.0 46,423.0 130,012.0 125,072.0 108,457.0
274,566.0 193,957.0 153,193.0 145,552.0 98,336.0
5,301.0 2,036.0 2,426.0 1,718.0 58,304.0
6,523.0 3,769.0 3,331.0 3,446.0 2,688.0
461,815.0 345,398.0 282,300.0 268,896.0 262,409.0
468,338.0 349,167.0 285,631.0 272,342.0 265,097.0
15,700.0 9,641.0 5,088.0 4,550.0 3,536.0
49,402.0 225,031.0 207,424.0 193,404.0 82,404.0

130,354.0 n.a. n.a. n.a. n.a.
240,179.0 250,320.0 212,086.0 170,850.0 105,125.0
984,802.0 248,088.0 138,353.0 136,823.0 18,174.0
64,976.0 43,072.0 49,283.0 51,274.0 43,243.0
341.0 377.0 228.0 546.0 429.0
1,420,652.0 541,857.0 399,950.0 359,493.0 166,971.0
82,428.0 68,615.0 57,211.0 59,509.0 58,539.0
66,657.0 90,851.0 82,798.0 83,193.0 8,576.0
0.0 0.0 0.0 0.0 0.0
1,998,526.0 1,203,137.0 972,472.0 904,986.0 520,360.0
30,019.0 5,801.0 7,345.0 3,906.0 1,753.0

4,674.0 2,996.0 2,492.0 2,754.0 2,282.0
7,625.0 7,014.0 6,092.0 6,022.0 4,518.0
2,777.0 1,282.0 1,215.0 1,269.0 139.0
389.0 518.0 557.0 0.0 n.a.
2,668.0 1,463.0 764.0 686.0 1,388.0
6,302.0 5,150.0 5,850.0 4,734.0 7,741.0
2,052,980.0 1,227,361.0 996,787.0 924,357.0 538,181.0
335,505.0 294,987.0 134,337.0 128,429.0 106,449.0

n.a. 0.0 65,786.0 60,945.0 n.a.
n.a. 0.0 113,754.0 103,549.0 111,043.0
335,505.0 294,987.0 313,877.0 292,923.0 217,492.0
116,545.0 92,338.0 161,616.0 144,407.0 112,229.0
182,285.0 n.a. n.a. n.a. n.a.
n.a. 169,429.0 n.a. n.a. 58,161.0
634,335.0 556,754.0 475,493.0 437,330.0 387,882.0
228,109.0 194,256.0 165,124.0 136,713.0 25,681.0

28,756.0 18,150.0 13,786.0 12,463.0 6,128.0
256,865.0 212,406.0 178,910.0 149,176.0 31,809.0
968,072.0 248,288.0 140,697.0 137,971.0 18,009.0
59,474.0 65,402.0 71,874.0 71,564.0 53,903.0
1,918,746.0 1,082,850.0 866,974.0 796,041.0 491,603.0
-1,650.0 461.0 n.a. n.a. n.a.

1,892.0 2,367.0 2,269.0 2,340.0 2,281.0
1,216.0 1,311.0 1,020.0 747.0 621.0
304.0 855.0 282.0 700.0 1,362.0
71,335.0 96,542.0 88,515.0 88,968.0 8,377.0
12,640.0 10,499.0 10,337.0 11,131.0 11,024.0
2,004,483.0 1,194,885.0 969,397.0 899,927.0 515,268.0
1,086.0 n.a. n.a. n.a. n.a.
12,127.0 7,236.0 n.a. n.a. 6,468.0
30,173.0 23,461.0 20,335.0 16,975.0 15,928.0

2,318.0 1,949.0 7,591.0 7,004.0 575.0
-1,190.0 111.0 132.0 225.0 n.a.
2,840.0 n.a. n.a. n.a. n.a.
1,143.0 -281.0 -668.0 226.0 -58.0
35,284.0 25,240.0 27,390.0 24,430.0 16,445.0

2,052,980.0 1,227,361.0 996,787.0 924,357.0 538,181.0
20,165.0 n.a. n.a. n.a. n.a.
28,807.1 n.a. n.a. n.a. n.a.
5.25 6.12 5.79 5.26 n.a.

2.43 2.27 2.06 1.97 n.a.
1.86 2.30 2.31 2.29 n.a.

1.17 1.59 1.46 1.31 n.a.
0.77 0.87 0.97 1.08 n.a.

0.45 0.66 0.75 0.87 n.a.
0.77 0.87 0.97 1.08 n.a.
40.22 56.87 57.59 53.29 51.57

68.63 60.27 60.69 60.72 60.50
0.86 1.19 1.35 1.37 n.a.
21.75 32.89 33.10 32.82 n.a.
0.40 0.79 0.88 0.89 n.a.
88.33 31.34 25.24 22.96 19.42
2.54 22.58 24.75 25.28 n.a.

0.05 0.54 0.66 0.68 n.a.
8.82 28.00 27.20 27.25 27.93
1.42 2.52 2.87 2.55 2.56
0.17 1.73 2.14 1.96 2.06
18.75 18.79 20.15 18.39 n.a.

0.34 0.45 0.54 0.50 n.a.
26.01 19.35 17.48 20.49 n.a.
0.47 0.47 0.47 0.56 n.a.
1.22 1.44 1.74 1.43 1.50

1.69 1.48 1.51 1.59 1.48
4.66 n.a. n.a. n.a. n.a.

6.65 n.a. n.a. n.a. n.a.
1.14 1.27 1.95 1.80 1.95
8.60 7.80 7.70 7.00 7.10
13.60 12.10 11.70 11.30 11.80
1.72 2.06 2.75 2.64 3.06
57.63 50.23 42.64 43.92 42.81
41.53 48.76 49.13 39.42 43.57

6.35 10.05 10.88 8.82 11.48
67.27 23.13 7.84 71.76 n.a.

34.13 22.24 4.88 2.73 n.a.
3.35 2.76 1.78 1.67 1.33
1.39 1.08 1.17 1.27 1.01
41.55 39.09 65.47 75.74 76.02
26.01 23.26 6.41 4.52 5.16
1.09 0.72 0.74 0.61 n.a.

0.61 0.54 0.68 0.53 n.a.
3.35 2.76 1.78 1.67 1.33
139.59 118.37 91.00 92.97 121.89

42.39 243.70 128.34 133.93 73.42
35.29 35.35 43.22 44.51 45.92
53,942.0 35,692.0 31,252.0 38,035.0 n.a.

585.0 365.0 287.0 283.0 303.0
259,666.0 191,834.0 204,730.0 203,362.0 133,474.0

12,642.0 9,717.0 11,854.0 12,177.0 38,780.0
2,379,815.0 1,464,969.0 1,244,910.0 1,178,214.0 710,738.0
433,302.0 353,476.0 297,833.0 269,148.0 219,758.0
433,302.0 353,476.0 297,833.0 269,148.0 219,758.0
452,599.3 319,771.7 281,156.7 259,130.0 n.a.

1,513,659.3 1,102,914.7 945,985.0 752,127.0 n.a.
1,548,665.0 1,127,470.0 969,089.3 770,887.0 n.a.
1,412,129.3 989,108.0 868,601.0 699,213.3 n.a.
25,700.7 21,589.7 18,545.7 16,111.7 n.a.
28,203.0 27,117.0 25,786.3 20,886.7 n.a.
365,556.0 300,436.0 286,666.7 242,710.0 n.a.
138,779.0 108,201.0 78,722.0 n.a. n.a.

34,423.0 32,275.0 25,996.0 n.a. n.a.
105,909.0 66,676.0 60,427.0 n.a. n.a.
182,704.0 142,015.0 120,486.0 n.a. n.a.

25,677.0 n.a. n.a. n.a. n.a.
16,628.0 n.a. n.a. n.a. n.a.
16,526.0 n.a. n.a. n.a. n.a.
40,572.0 28,028.0 21,696.0 n.a. n.a.

2,397.0 3,635.0 3,864.0 n.a. n.a.
3,741.0 2,295.0 2,725.0 n.a. n.a.
997.0 6,165.0 2,645.0 n.a. n.a.
308,310.0 n.a. n.a. n.a. n.a.

19,488.0 n.a. n.a. n.a. n.a.
4,006.0 n.a. n.a. n.a. n.a.
3,701.0 n.a. n.a. n.a. n.a.
n.a. 305,606.0 264,146.0 n.a. n.a.
n.a. 12,656.0 7,928.0 n.a. n.a.
n.a. 48,857.0 41,803.0 n.a. n.a.
104,933.0 n.a. n.a. n.a. n.a.

7,313.0 n.a. n.a. n.a. n.a.
2,046.0 n.a. n.a. n.a. n.a.
618.0 n.a. n.a. n.a. n.a.

28,756.0 18,150.0 13,786.0 12,463.0 6,128.0
5,287.0 5,095.0 5,195.0 3,841.0 3,301.0

5,287.0 5,095.0 n.a. n.a. n.a.
35,284.0 25,240.0 27,390.0 24,430.0 16,445.0

12,127.0 7,236.0 n.a. n.a. 6,468.0
0.0 0.0 n.a. n.a. n.a.

47,411.0 32,476.0 n.a. n.a. n.a.
35,284.0 25,240.0 27,390.0 24,430.0 16,445.0
-1,650.0 461.0 n.a. n.a. n.a.
0.0 0.0 n.a. n.a. n.a.

7,625.0 7,014.0 6,092.0 6,022.0 4,518.0
2,777.0 1,282.0 1,215.0 1,269.0 139.0
1,659.0 1,463.0 764.0 686.0 1,388.0
0.0 n.a. n.a. n.a. n.a.
1,408.0 n.a. n.a. n.a. n.a.
20,165.0 n.a. n.a. n.a. n.a.

8,642.1 3,317.4 8,800.3 0.0 n.a.
0.0 n.a. n.a. n.a. n.a.
28,807.1 n.a. n.a. n.a. n.a.
8,642.1 n.a. n.a. n.a. n.a.
23,754.0 19,559.0 16,290.0 13,643.0 11,269.0

8,886.0 6,830.0 5,895.0 4,771.0 3,588.0

148,686.0 152,778.0 140,576.0 128,367.0 87,594.0

30,535.0 36,307.0 31,548.0 20,299.0 10,873.0

1,872.0 2,512.0 2,783.0 983.0 n.a.
181,093.0 191,597.0 174,907.0 149,649.0 98,467.0
n.a. 38,673.0 47,912.0 50,024.0 30,841.0
n.a. n.a. n.a. n.a. 11,876.0

n.a. 1,676.0 1,371.0 1,250.0 526.0
64,976.0 43,072.0 49,283.0 51,274.0 43,243.0

n.a. n.a. n.a. n.a. 11,876.0
32,407.0 40,495.0 35,702.0 22,532.0 11,399.0
2,919.0 1,963.0 2,174.0 1,587.0 n.a.

174.0 227.0 259.0 222.0 n.a.
2,745.0 1,736.0 1,915.0 1,365.0 1,327.0
1,876.0 n.a. n.a. n.a. n.a.

4,698.0 3,769.0 3,331.0 3,446.0 n.a.

n.a. 794.0 598.0 609.0 n.a.

n.a. 273.0 46.0 51.0 n.a.
6,138.0 1,707.0 7,452.0 7,273.0 7,138.0
n.a. n.a. n.a. n.a. 926.0

28,871.0 21,971.0 13,095.0 9,883.0 7,983.0

173.0 260.0 212.0 181.0 119.0
2,318.0 1,949.0 7,591.0 7,004.0 575.0
32,966.0 23,291.0 19,799.0 17,426.0 15,870.0
35,284.0 23,418.0 20,335.0 16,975.0 15,928.0
-1,190.0 154.0 132.0 225.0 n.a.
2,840.0 n.a. n.a. n.a. n.a.
1,650.0 154.0 132.0 225.0 n.a.
132.0 26.0 -230.0 70.0 n.a.
1,011.0 n.a. n.a. n.a. n.a.
2,793.0 180.0 -98.0 295.0 n.a.
2,793.0 180.0 -98.0 295.0 n.a.
12,127.0 7,236.0 n.a. n.a. 6,468.0
47,411.0 32,476.0 27,390.0 24,430.0 22,913.0

n.a. 2,559.0 2,215.0 1,687.0 1,413.0
3,047.0 2,559.0 2,215.0 1,687.0 1,413.0
1,659.0 1,463.0 764.0 686.0 1,388.0
2,777.0 1,282.0 n.a. n.a. n.a.

19,765.0 6,634.7 n.a. n.a. n.a.
n.a. n.a. 8,800.3 0.0 n.a.
9,882.5 3,317.4 8,800.3 0.0 n.a.
9,882.5 3,317.4 8,800.3 0.0 n.a.
37,250.0 27,408.0 23,005.0 18,895.0 15,544.0

58,727.0 42,642.0 34,711.0 30,502.0 25,847.0
8.60 7.80 7.70 7.00 7.10
13.60 12.10 11.70 11.30 11.80
433,000.0 353,476.0 297,833.0 269,148.0 219,758.0


1,408.0 n.a. n.a. n.a. n.a.
856.0 1,889.0 2,330.0 1,743.0 1,277.0
1,420,652.0 541,857.0 399,950.0 359,493.0 166,971.0

1,420,652.0 541,857.0 399,950.0 359,493.0 166,971.0


156,300 134,900 118,600 92,800 82,700

8.60 7.80 7.70 7.00 7.10
13.60 12.10 11.70 11.30 11.80
n.a. 1,068.0 995.0 651.0 320.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 31/12/2004
1.39 1.08 1.17 1.27 1.01

42.12 23.93 22.65 19.44 16.00
41.55 39.09 65.47 75.74 76.02
3.35 2.76 1.78 1.67 1.33
0.67 0.55 0.69 0.51 0.50
26.91 23.46 26.35 25.21 30.20
33.12 29.69 18.58 18.63 15.43
19.36 18.08 6.42 4.52 3.70
8.60 7.80 7.70 7.00 7.10

13.60 12.10 11.70 11.30 11.80
2.31 2.65 2.75 2.64 4.26
10.27 9.40 9.70 9.09 8.73
7.47 5.83 5.76 5.59 5.91
2.40 2.76 2.87 2.75 4.50
3.76 4.13 4.13 3.99 5.40
16.73 14.66 14.59 13.72 11.07
12.18 9.09 8.66 8.44 7.49
3.91 4.30 4.31 4.16 5.70
37.22 35.85 33.48 33.78 21.10
0.73 0.89 0.98 1.14 1.31

0.71 0.87 0.95 1.11 1.27
0.48 1.15 1.30 1.27 1.36
1.12 1.42 1.58 1.65 1.79
0.08 0.60 0.67 0.72 0.84
0.21 -0.14 -0.13 -0.20 -0.23
0.32 0.46 0.54 0.53 0.61
13.24 17.02 20.05 16.23 14.41
57.63 50.23 42.64 43.92 42.81
5.61 8.47 11.50 9.10 8.24
74.03 9.11 12.99 0.00 1.36
68.58 60.16 60.56 60.56 60.27
0.37 0.80 0.89 0.94 1.05
60.15 243.70 128.34 133.93 73.43

22.50 28.14 28.32 29.09 48.76
72.80 62.04 59.37 61.49 67.65
24.44 32.44 33.09 34.32 54.05
70.93 86.42 89.77 84.18 48.80
23.81 45.19 50.03 46.98 38.99
2005
5.82
5.65
5.41
5.37
5.22
5.56
5.57
5.53
5.73
5.60
5.91
6.11
Op.
Date of Vari- No of
Revenue
(mil USD)*
12/2011 ð 11,311.0 8,816.0

12/2011 ö 694.0 3,911.0
01/2010 - 67.0 n.a.
09/2011 - n.a. n.a.
12/2011 ð 321.0 130.0
08/2012 ø 117.0 n.a.
05/2012 - <0,5 5.0
08/2012 - n.a. n.a.

05/2012 - n.a. n.a.
10/2011 ð n.a. n.a.

08/2012 ð 3.0 4.0
05/2012 - n.a. n.a.
12/2011 ð 50,065.0 149,700.0
09/2012 ð n.a. n.a.
12/2011 ð 310.0 4,205.0
12/2011 ñ 5,616.0 35,200.0
10/2011 ð n.a. n.a.
05/2012 ð 27.0 260.0
01/2011 ø 172.0 1,741.0
10/2010 - n.a. 1,000.0
12/2011 ð 63.0 1,100.0
03/2010 - n.a. n.a.
01/2011 - 215.0 938.0
11/2009 ö <0,5 4.0
06/2012 - n.a. n.a.
09/2009 ö n.a. n.a.

12/2009 ø n.a. n.a.
03/2009 ø n.a. n.a.
04/2012 ö 12.0 104.0
07/2012 ö 1,343.0 4,159.0

04/2012 ø n.a. 2.0
04/2012 ö 179.0 1,047.0
04/2012 ö 6.0 36.0

06/2009 ö 156.0 290.0
09/2008 ö 210.0 1,274.0
06/2009 - n.a. n.a.
07/2012 ö n.a. 107.0
09/2012 ö 2,577.0 12,931.0
07/2009 ö 2.0 21.0
05/2012 ö 85.0 489.0
09/2009 ö n.a. n.a.

08/2012 ø n.a. 55.0
09/2012 ö 2.0 16.0
07/2009 ö 3.0 22.0
08/2012 ö n.a. 11.0
07/2012 ö 5.0 24.0
04/2012 ö n.a. n.a.
10/2012 - n.a. n.a.
08/2012 ö 1.0 48.0
05/2012 ö 78.0 292.0
09/2009 - 13.0 24.0
07/2009 ø <0,5 30.0
08/2012 - 3.0 247.0
05/2012 ø n.a. 8.0

08/2011 ø n.a. n.a.
07/2009 ö 1.0 7.0

08/2012 ö n.a. 114.0
04/2010 ø n.a. 4.0
05/2012 ö 27.0 n.a.
05/2010 - n.a. n.a.
09/2012 ö 1,826.0 n.a.
04/2012 ø 7.0 40.0
10/2009 ö <0,5 13.0
10/2009 ö n.a. 16.0
12/2008 ø <0,5 9.0
01/2009 ø 24.0 127.0
06/2012 ö 135.0 394.0
08/2012 ø 1.0 20.0
06/2009 ö <0,5 n.a.
09/2012 ö 28.0 10.0
03/2009 ö n.a. 8.0
07/2012 ö 3.0 11.0
12/2010 ö 321.0 214.0
07/2009 ø <0,5 2.0
07/2009 ö <0,5 12.0
04/2012 ö 6.0 10.0
04/2008 ö 446.0 3,215.0

07/2012 ø 5.0 38.0
07/2012 ö 5.0 26.0
05/2012 - 54.0 81.0
08/2012 ø 32.0 34.0

12/2009 ø n.a. n.a.
09/2012 ö 3.0 21.0
04/2012 ö 1.0 6.0
06/2012 ö 9.0 61.0
09/2012 ö 765.0 2,605.0
03/2009 ø 121.0 236.0
06/2009 ö -75.0 4.0

05/2009 ø 7.0 10.0
03/2009 ø n.a. n.a.
06/2012 ö n.a. 16.0
09/2012 ö 14.0 78.0
01/2009 ö <0,5 1.0
07/2012 ø 444.0 3,175.0
07/2009 ø 295.0 2,597.0
09/2012 ø 341.0 3,778.0
10/2009 ø n.a. n.a.
07/2012 ö 55.0 145.0
06/2011 ö 371.0 527.0

09/2012 ø 29.0 463.0
Lloyds Banking Group Plc
EC3P 3BS LONDON BvD ID number GBSC095000

Contact details
Lombard Street, 71 Phone number +44 (20) 943 34 49

Fax number +44 (20) 943 30 55
EC3P 3BS LONDON Web Site Address www.lloydstsb.co.uk
UNITED KINGDOM
Formerly known as Lloyds TSB Group Plc

Bank History :
Established in November 1995. In November 2008, Lloyds TSB Group Plc changed its name to Lloyds Banking Group Plc.

Accounting Standards International Financial Nickname TSBGROIF
Name of the Auditor PricewaterhouseCoopers LLP Model ALLBANKS

Latest total assets 970,546 mil GBP Ranking (Country), 2011

Latest net income -2,714 mil GBP Ranking (Country), rolling
(13/11/2012) World rank, 2011
shareholders
No of recorded 754
subsidiaries
Companies
Peer Group
Size 178
information.
information.
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 565,638.0 592,597.0 626,969.0 242,735.0
Gross Loans 584,370.0 610,970.0 641,770.0 246,304.0
Derivatives 66,013.0 50,777.0 49,928.0 28,884.0
Fixed Assets 7,673.0 8,190.0 9,224.0 2,965.0
Total Assets 970,546.0 991,574.0 1,027,255.0 436,033.0

Derivatives 58,212.0 42,158.0 40,485.0 26,892.0
Other Reserves 3,547.0 1,955.0 1,763.0 n.a.
Equity 46,594.0 46,902.0 44,107.0 9,699.0
Total Liabilities & Equity 970,546.0 991,574.0 1,027,255.0 436,033.0
Notes

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Net Gains (Losses) on Trading and Derivatives -368.0 15,724.0 19,098.0 -9,186.0
Statement
Remaining Operating Income 4,897.0 -6,624.0 -9,555.0 8,803.0
Overheads 13,050.0 13,270.0 15,984.0 6,183.0
Other -3,194.0 -634.0 11,274.0 -6.0
Profit before Tax -3,542.0 281.0 1,042.0 807.0
Tax -828.0 539.0 -1,911.0 -38.0
Net Income -2,714.0 -258.0 2,953.0 845.0
Dividend Paid 50.0 47.0 0.0 2,042.0

Tier 1 Ratio 12.50 11.60 9.60 8.00
Total Capital 54,996.0 61,817.0 61,077.0 19,129.0
Tier 1 Capital 43,997.0 47,147.0 47,530.0 13,701.0
Net-Charge Offs 7,066.0 6,909.0 4,090.0 1,498.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement


Net Gains (Losses) on Trading and Derivatives -368.0 15,724.0 19,098.0 -9,186.0
Net Gains (Losses) on Other Securities n.a. n.a. n.a. n.a.
Statement
Net Insurance Income 2,129.0 -10,940.0 -13,547.0 8,271.0
Other Operating Income 2,768.0 4,316.0 3,992.0 532.0

Operating Profit -373.0 734.0 -10,877.0 807.0
Equity-accounted Profit/ Loss - Non-operating 31.0 -88.0 -752.0 n.a.

Non-recurring Income n.a. n.a. 12,671.0 0.0
Non-recurring Expense 3,200.0 365.0 n.a. n.a.
Pre-tax Profit -3,542.0 281.0 1,042.0 807.0
Tax expense -828.0 539.0 -1,911.0 -38.0
Net Income -2,714.0 -258.0 2,953.0 845.0
Change in Value of AFS Investments 1,610.0 493.0 2,049.0 399.0

Currency Translation Differences -84.0 -129.0 -20.0 1.0
Remaining OCI Gains/(losses) 716.0 -86.0 -290.0 n.a.
Fitch Comprehensive Income -472.0 20.0 4,692.0 1,245.0
Memo: Net Income after Allocation to Non- -2,787.0 -320.0 2,827.0 819.0
Memo: Common Dividends Relating to the Period 50.0 47.0 0.0 2,042.0
Balance Sheet
Assets
Loans
Other Mortgage Loans 75,474.0 86,167.0 94,650.0 n.a.
Other Loans 13,576.0 15,499.0 18,017.0 9,915.0
Net Loans 565,638.0 592,597.0 626,969.0 242,735.0
Gross Loans 584,370.0 610,970.0 641,770.0 246,304.0
Derivatives 66,013.0 50,777.0 49,928.0 28,884.0
Held to Maturity Securities 8,098.0 7,905.0 n.a. n.a.
At-equity Investments in Associates 334.0 429.0 479.0 n.a.
Other Earning Assets 12,470.0 25,735.0 32,652.0 0.0
Non-earning Assets
Fixed Assets 7,673.0 8,190.0 9,224.0 2,965.0
Goodwill 2,016.0 2,016.0 2,016.0 2,256.0
Other Intangibles 3,196.0 3,496.0 4,087.0 197.0
Deferred Tax Assets 4,496.0 4,164.0 5,006.0 833.0
Other Assets 22,404.0 20,746.0 12,225.0 5,856.0
Total Assets 970,546.0 991,574.0 1,027,255.0 436,033.0

Funding
Other Funding 49,636.0 51,363.0 46,348.0 14,243.0
Derivatives 58,212.0 42,158.0 40,485.0 26,892.0
Total Funding 806,667.0 829,377.0 872,526.0 378,815.0
Reserves for Pensions and Other 3,547.0 1,955.0 1,763.0 n.a.
Hybrid Capital
Debt
Equity
Equity
Common Equity 44,649.0 46,317.0 43,903.0 9,393.0
Securities Revaluation Reserves 1,326.0 -285.0 -783.0 n.a.
Foreign Exchange Revaluation Reserves -55.0 29.0 158.0 n.a.
OCI
Total Equity 46,594.0 46,902.0 44,107.0 9,699.0
Total Liabilities and Equity 970,546.0 991,574.0 1,027,255.0 436,033.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Taxes/ Pre-tax Profit% 23.38 191.81 -183.40 -4.71
Assets%
Net Income/ Average Total Equity% -5.91 -0.56 9.97 7.63
Net Income/ Average Total Assets% -0.28 -0.03 0.35 0.22
Fitch Comprehensive Income/ Average Total Equity -1.03 0.04 15.85 11.25
%
Fitch Comprehensive Income/ Average Total Assets -0.05 0.00 0.56 0.32
%
Securitized Assets%
Net Income/ Risk Weighted Assets% -0.77 -0.06 0.60 0.50
Fitch Comprehensive Income/ Risk Weighted Assets -0.13 0.00 0.95 0.73
%
Capitalization
Cash Dividends Paid & Declared/ Net Income% -1.84 -18.22 0.00 241.66
Cash Dividend Paid & Declared/ Fitch -10.59 235.00 0.00 164.02
Net Income - Cash Dividends/ Total Equity% -5.93 -0.65 6.70 -12.34
Loan Quality
%
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 3,789.0 4,131.0 6,049.0 4,720.0

balance sheet
Other Contingent Liabilities 596.0 1,142.0 1,046.0 2,569.0
Total Business Volume 1,079,999.0 1,113,051.0 1,161,946.0 524,194.0
Average Loans 595,209.8 631,046.0 523,787.0 230,246.7
Average Assets 981,530.2 1,015,651.3 842,139.0 385,720.3
Average Equity 45,928.0 46,221.7 29,610.7 11,068.3
Maturities
Debt Securities < 3 Months 14,224.0 8,665.0 4,574.0 38,416.0

Debt Securities 3 - 12 Months 9,757.0 3,909.0 3,729.0 2,682.0
Debt Securities 1 - 5 Years 7,330.0 15,702.0 24,034.0 11,902.0
Debt Securities > 5 Years n.a. 48,319.0 46,917.0 47,771.0

Interbank 1 - 5 Years 3,671.0 1,529.0 1,880.0 5,354.0
Interbank > 5 Years 457.0 919.0 1,298.0 105.0
Retail Deposits < 3 months 340,697.0 326,456.0 353,568.0 160,514.0
Retail Deposits 3 - 12 Months 33,518.0 30,790.0 18,234.0 7,925.0
Retail Deposits > 5 Years 1,624.0 2,585.0 4,312.0 445.0


Interbank 1 - 5 Years 11,315.0 9,467.0 1,106.0 1,956.0
Interbank > 5 Years 1,072.0 1,991.0 3,335.0 0.0
Senior Debt Maturing < 3 months 53,443.0 63,394.0 74,302.0 49,386.0

Senior Debt Maturing > 5 Years 47,129.0 51,653.0 49,813.0 3,489.0
Net Income -2,714.0 -258.0 2,953.0 845.0
Published Net Income -2,714.0 -258.0 2,953.0 845.0
Equity 46,594.0 46,902.0 44,107.0 9,699.0
as Equity

interests)
Fair value effect incl in own debt/borrowings at fv on -136.0 -8.0 0.0 0.0
the B/S- CC only
Goodwill 2,016.0 2,016.0 2,016.0 2,256.0
Other intangibles 3,196.0 3,496.0 4,087.0 197.0
Deferred tax assets deduction 4,496.0 4,164.0 5,006.0 833.0
Net asset value of insurance subsidiaries 12,767.0 13,112.0 3,840.0 n.a.
securitizations

Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 37,406.0 42,955.0 46,602.0 55,707.0

Total HTM Debt Securities 8,098.0 7,905.0 n.a. n.a.
Asset Quality Data

Net Charge-offs
Recoveries 421.0 216.0 110.0 112.0
Net Charge-offs 7,066.0 6,909.0 4,090.0 1,498.0
Reserves
Collective/General Loan Impairment Reserves 3,832.0 n.a. n.a. n.a.

Capital
Eligible Capital

dividends
Valuation Reserves for AFS Securities in OCI Total 1,326.0 n.a. n.a. n.a.
Total Valuation Reserves in OCI 1,271.0 n.a. n.a. n.a.
Total OCI Reserves 13,818.0 n.a. n.a. n.a.
Total Other Equity Reserves 13,818.0 n.a. n.a. n.a.
Interests
absorbing

Total Dividends Related to Period 50.0 0.0 n.a. 648.0
Total Dividends Paid and Declared in Period 50.0 0.0 0.0 2,042.0
Deferred Tax Assets to be Deducted from Core 4,496.0 4,164.0 5,006.0 833.0
Capital
Intangibles to be deducted from Core Capital 3,196.0 3,496.0 4,087.0 197.0
Regulatory Capital

II
Equity Investments deducted from Regulatory n.a. n.a. n.a. 4,758.0
Capital
deposits
banks

loans

Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 12.50 11.60 9.60 8.00
Equity / Net Loans 8.24 7.92 7.04 4.00
Operations
Pre-Tax Op Inc / Avg Assets -0.04 0.09 -1.40 0.21
Return On Avg Assets (ROAA) -0.28 -0.03 0.40 0.21
Return On Avg Equity (ROAE) -5.81 -0.57 10.98 7.64
Dividend Pay-Out -1.84 -18.22 0.00 241.66
Inc Net Of Dist / Avg Equity -5.91 -0.67 10.98 -10.82
Liquidity
Interbank Ratio 81.90 60.11 42.89 62.22
General information


Ticker symbol: LLOY

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Hamburg
Boerse Hannover
Boerse Munchen
Boerse Stuttgart
US Exchange
XETRA
IPO date: 10/8/1986
Market price - May 0.25 0.52 0.57 0.68 3.75 5.61 4.91

Price trends (%)

BETA






Date News
1 05/11/2012 ‘Lloyds to shed wealth arm stake’ (deal no. 1601264606)
2 23/10/2012 Banque de Luxembourg acquires Lloyds Banking Group's
Luxembourgish private banking operations (deal no.
1601413863)
3 26/09/2012 Cala Group up for sale (deal no. 1601406054)

4 07/09/2012 Lloyds Banking Group agrees to sell retail, commercial and
corporate banking operations to Banque Heritage (Uruguay) (deal
no. 1601401050)
5 03/09/2012 Cinven completes acquisition of Mercury Pharma (deal no.

1601367956)
6 30/08/2012 Impetus Automotive acquired in MBO (deal no. 1601399013)
7 24/08/2012 Mouchel Group shareholders reject restructuring plan (deal no.
1601391477)
8 17/08/2012 Mercury Pharma changes hands in secondary buyout (deal no.
1601367956)
9 06/08/2012 Vue Entertainment applies for squeeze out process for CinemaxX
10 03/08/2012 Lark Group to be sold in MBO deal (deal no. 1601392608)
11 02/08/2012 Mouchel in debt restructuring deal (deal no. 1601391477)
12 02/08/2012 Fleet Auction acquires ProTruck Auctions (deal no. 1601392739)
13 31/07/2012 Management acquires stake in Intrinsic Financial Services (deal

no. 1601391364)
14 29/07/2012 IMO Car Wash sale falls through (deal no. 1601391509)
15 17/07/2012 Oaktree Capital acquires majority stake in Integrated Subsea
from Lloyds (deal no. 1601388199)
16 13/07/2012 Lloyds Banking close to selling branches to Co-op: FT (deal no.
1601126141)
17 11/07/2012 Vue makes offer for Cinemaxx (deal no. 1601385935)
18 10/07/2012 Mr Theo Paphitis acquires Robert Dyas (deal no. 1601289223)
19 28/06/2012 Lees Foods delists from AIM (deal no. 1601359621)
20 15/06/2012 Lloyds Banking Group increases stake in Essar Energy (deal no.
1601379999)
21 12/06/2012 Shinsei Bank to acquire Lloyds Banking Group's remittance
business in Japan (deal no. 1633080284)
22 16/05/2012 Lloyds ‘to sell Copthorn Holdings’ (deal no. 1601370400)
23 15/05/2012 Lloyds plans to sell Copthorn stake (deal no. 1601370400)
24 11/05/2012 Lloyds Banking Group new shares submitted to trading (deal no.
1601371959)
25 27/04/2012 Alkane Energy completes acquisition of Greenpark Energy (deal
no. 1601296218)
26 26/04/2012 Terra Firma acquires Garden Centre Group (deal no.
1601283049)
27 20/04/2012 Advertising Principles bought out via newco (deal no.
1601377690)
28 31/03/2012 Spinlock acquired in MBO (deal no. 1601413629)
29 29/03/2012 HSBC Bank Middle East to acquire the onshore Dubai business of
Lloyds Banking Group (deal no. 1601331302)
30 23/03/2012 Lloyds shares admitted to trading (deal no. 1601354060)
31 24/02/2012 Lloyds Banking Group shares admitted to trading (deal no.
1601345198)
32 01/02/2012 Vista Equity Partners completes acquisition of Thomson Reuters'
Trade and Risk Management business (deal no. 1601302893)
33 16/01/2012 Lloyds Banking Group injects capital into its subsidiary Lloyds
Bank International (deal no. 1601333288)
34 31/12/2011 Lloyds sells stake in EasyCar (deal no. 1601361486)
35 13/12/2011 Mr David Waldock and Ms Sharon Waldock acquire Honicknowle
Fish and Chip Shop (deal no. 1601327352)
36 09/12/2011 NCP set to announce debt for equity swap (deal no. 1601324201)
37 05/12/2011 Lloyds Banking may exit David Lloyd: report (deal no.
1601322088)
38 24/11/2011 Aegon completes sale of its Guardian buinesses to Cinven (deal
no. 1601288901)
39 23/11/2011 Lloyds sells shares in Thomas Cook (deal no. 1601319539)
40 04/11/2011 Lafarge sells gypsum business to Etex (deal no. 1601240210)
41 24/10/2011 Lloyds may carry out an IPO on Project Verde (deal no.
1601320319)
42 10/10/2011 Sala merges with EDM Group (deal no. 1601307153)
43 03/10/2011 Morrisons mulls garden centre offer: Mail on Sunday (deal no.
1601283049)
44 23/09/2011 Ryan Specialty Group completes acquisition of Jubilee Group
45 16/09/2011 Hunting Energy Services completes acquisition of TSI Acquisition
Holdings from Riverstone and Carlyle (deal no. 1601264901)
46 17/08/2011 Lloyds TSB Group to sell Nantwich branch (deal no. 1601293908)
47 05/08/2011 Hunting to rebuild North America presence with Titan (deal no.
1601264901)
48 29/07/2011 ‘Buyer sought for Robert Dyas’ (deal no. 1601289223)
49 28/07/2011 Aegon touts Guardian for sale: Reuters (deal no. 1601288901)
50 20/07/2011 Lloyds Banking Group sells shares in Senior (deal no.

1601287505)
Source : Zephyr
Boards & committees

= also shareholder
1. Sir Winfried Franz Wilhelm - Non-Executive Chairman of the BoD RE, WW
Bischoff Board of Directors
P004678668 (since 09/2009)
2. Mr. David Lawton Roberts - Non-Executive Independent BoD JO, RE
P004382244 Deputy Chairman of the Board
(since 17/05/2012)
3. Mr. Norman Roy Lord Blackwell - Non-executive Director BoD DB, RE, RT,
P003242405 (since 01/06/2012) VI
4. Mr. Mark G. Culmer - Director (occupation: Group BoD DB, RT
P039792500 Finance Director)
(since 16/05/2012)
5. Miss Carolyn Julie Fairbairn - Non-Executive Director BoD DB, RE, RT,
P004495699 (since 01/06/2012) WW
6. Miss Anita Margaret Frew - Non Executive Director - Non- BoD DB, JO, RE,
P003340288 Exec Contact; Independent Non- RT, VI, WW
of Directors (since 01/12/2010)
7. Mr. António Mota de Sousa Horta - Group Chief Executive Officer, BoD RE
Osório Executive Director
P100473779 (since 09/01/2012)
8. Sir David Geoffrey Manning - Director (since 01/05/2008) BoD RT
P056610601
9. Mr. T. Timothy Ryan Jr. - Independent Non-Executive BoD DB, JO, RE,
P014140092 Director (since 03/2009) RT, WW
10. Mr. Martin Anthony Scicluna - Independent Non-Executive BoD DB, JO, RE,
11. Mr. Anthony Watson - Non Executive Director - Non- BoD DB, JO, RT,
P056129640 Exec Contact (since 04/2009) VI, WW
12. Miss Sara Vivienne Weller - Independent Non-Executive BoD DB, RE, RT,
P004810392 Director (since 01/02/2012) VI, WW
13. Miss Margaret Ann Coltman - Company Secretary BoD RT
P045248058 (since 09/05/2008)
14. Miss Claire Anne Davies - Company Secretary BoD DB, RT
P006320174 (since 01/08/2012)
Management & staff

= also shareholder
1. Mr. António Mota de Sousa Horta - Group Chief Executive Officer, SenMan RE
Osório Executive Director
P100473779 (since 09/01/2012)
Executive Contact
2. Sir Winfried Franz Wilhelm - Director (since 15/09/2009) SenMan DB, RT
Bischoff - Chairman - Non-Exec Contact OthDep JO
P004678668
3. Mr. Mark G. Culmer - Director (occupation: Group SenMan DB, RT
P039792500 Finance Director)
(since 16/05/2012)
- Senior contact SenMan DB
- Group Finance Director - FinAcc JO
Financial Contact
4. Sir David Geoffrey Manning - Director (since 01/05/2008) SenMan RT
P056610601
5. Mr. David Lawton Roberts - Director (since 01/03/2010) SenMan DB, RT
P004382244
6. Mr. Harry F Baines - Company Secretary SenMan RE
P069574068
7. Miss Margaret Ann Coltman - Company Secretary SenMan RT
P045248058 (since 09/05/2008)
8. Miss Claire Anne Davies - Company Secretary SenMan DB, RT
P006320174 (since 01/08/2012)
9. Mr. George Culmer - Group Finance Director FinAcc RE, WW
P118493894 (since 16/05/2012)
10. Mrs. Angela Susan Risley - Group Human Resources Director HR RE
P006320925 (since 2011)
11. Mrs. Alison Brittain - Group Director - Retail Sales RE
P121648148 (since 09/2011)
12. Mr. John Neil Maltby - Group Director - Commercial Sales RE
P039567316 (since 09/2011)
13. Mr. Mark Andrew Fisher - Director - Group Operations Oper RE
P006320440 (since 2011)
14. Mr. J Colombás - Chief Risk Officer (since 01/2011) OthDep RE
P048785579
15. Mr. Antonio Lorenzo - Group Director - Wealth & OthDep RE
P104742871 International, Group Strategy
(since 03/2011)
16. Mr. David Nicholson - Group Director of Halifax OthDep RE
P121631014 Community Bank (since 2011)
17. Mr. Toby Emil Strauss - Group Director - Insurance OthDep RE
P004982317 (since 10/2011)
18. Mr. Matthew Young - Group Corporate Affairs Director OthDep JG, RE
P102012149 (since 02/2011)
19. Mr. Norman Roy Lord Blackwell - Director - Executive Contact SenMan JO
P003242405
20. Miss Carolyn Julie Fairbairn - Director - Executive Contact SenMan JO
P004495699
21. Mr. George Truett Tate - Group Executive Director - SenMan JO
P006320927 Executive Contact
22. Mr. Timothy James William - Group Finance Director - SenMan, JO
Tookey Executive Contact FinAcc
P046372514
23. Miss Sara Vivienne Weller - Senior decision maker contact SenMan DB
P004810392
24. Lord Alexander Park Leitch - Deputy Chairman - Non-Exec OthDep JO
P039792596 Contact

Ownership Source


1. LLOYDS TSB BANK PLC GB 100.00 100.00 1 UO+ RM 12/2011
2. BANK OF SCOTLAND PLC GB - 100.00 1 UO+ RM 12/2011
3. CLERICAL MEDICAL INVESTMENT GROUP GB - 100.00 1 UO+ RM 12/2011
LIMITED
4. CLERICAL MEDICAL MANAGED FUNDS GB - 100.00 1 UO+ RM 12/2011
LIMITED
5. HBOS PLC GB - 100.00 1 UO+ RM 12/2011
6. SCOTTISH WIDOWS PLC GB - 100.00 1 UO+ RM 12/2011
7. ST. ANDREW’S INSURANCE PLC GB - 100.00 1 UO+ RM 12/2011
8. ALAN DICK & COMPANY (HOLDINGS) GB WO WO 1 UO+ IP 08/2012
LIMITED
9. BANK OF SCOTLAND TRUST CO (INTERNAT GB WO WO 1 UO+ IP 10/2011
10. GRESHAM RECEIVABLES (NO.11) UK GB WO WO 1 UO+ IP 05/2012

LIMITED
11. GRESHAM RECEIVABLES (NO.16) UK GB WO WO 1 UO+ IP 05/2012
LIMITED
12. HIGHLAND FUNDING (HOLDINGS) LIMITED GB WO WO 1 UO+ IP 09/2012
13. LBG CAPITAL HOLDINGS LIMITED GB WO WO 1 UO+ IP 01/2012

14. MOUND HOLDINGS LIMITED GB WO WO 1 UO+ IP 09/2012
15. PERMANENT HOLDINGS LIMITED GB WO WO 1 UO+ IP 09/2012
16. UPSAALA LIMITED IE WO WO 1 UO+ IP 05/2012
17. ST. JAMES'S PLACE PLC GB - 57.38 1 UO SE 09/2012
18. HBOS COVERED BONDS LLP GB - MO 1 UO RS 12/2010
19. LLOYDS TSB PENSION ABCS (NO 1) LLP GB MO n.a. 1 UO WW 10/2010
20. LLOYDS TSB PENSION ABCS (NO 2) LLP GB MO n.a. 1 UO WW 10/2010
21. LLOYDS TSB SECURED FINANCE LLP GB MO n.a. 1 UO WW 10/2010
22. THE ALTERNATIVE HOTEL GROUP LIMITED GB 50.00 n.a. 1 - OS 03/2010
23. QUALCERAM SHIRES PUBLIC LIMITED IE - 17.31 1 - WW 01/2009

COMPANY
24. HARDY OIL AND GAS PLC GB - 15.61 1 - SE 04/2012
25. ISIS PROPERTY TRUST LIMITED GB - 14.82 1 - SE 05/2012
26. KSK POWER VENTUR PLC via its funds GB - 14.24 1 - FS 06/2012
27. TULLETT PREBON PLC GB - 13.99 1 - SE 05/2012
28. 3I QUOTED PRIVATE EQUITY PLC GB 10.00 13.84 1 - SE 01/2009
29. DOLPHIN CAPITAL INVESTORS LIMITED VG - 12.26 1 - SE 09/2012
30. GREAT EASTERN ENERGY CORPN. LTD. IN - 12.11 1 - SE 09/2011
31. INDUS GAS LIMITED GB - 12.10 1 - SE 02/2011
32. FRAMLINGTON INNOVATIVE GROWTH GB - 11.60 1 - RS 06/2009
TRUST PLC
33. IENERGIZER LIMITED via its funds GB - 11.13 1 - FS 12/2011
34. BERKELEY GROUP HOLDINGS PLC (THE) GB - 10.98 1 - SE 09/2012
35. CHINA GROWTH OPPORTUNITIES LTD. GB 1.45 10.07 1 - SE 07/2009
36. CLOSE BROTHERS GROUP PLC via its funds GB - 9.97 1 - FS 09/2012
37. SCHRODER UK MID CAP FUND PLC GB - 9.54 1 - SE 01/2009

38. IRP PROPERTY INVESTMENTS LIMITED GB - 8.88 1 - SE 09/2012
39. DS SMITH PLC via its funds GB - 8.82 1 - FS 10/2012
40. ITE GROUP PLC GB - 8.81 1 - SE 09/2012
41. BREEDON AGGREGATES LIMITED GB - 8.67 1 - SE 07/2012
42. CHARTER EUROPEAN TRUST PLC GB - 7.98 1 - SE 02/2008
43. WH SMITH PLC via its funds GB - 7.95 1 - FS 10/2012
44. COMMUNISIS PLC GB 7.93 n.a. 1 - RS 02/2010
45. LXB RETAIL PROPERTIES PLC GB - 7.80 1 - SE 07/2012
46. INDUS GAS LIMITED via its funds GB - 7.55 1 - FS 07/2012
47. ABERFORTH GEARED CAPITAL & INCOME GB - 7.25 1 - SE 01/2009
TRUST PLC
48. RSA INSURANCE GROUP PLC GB - 7.00 1 - RS 12/2011
49. SVM GLOBAL FUND PLC GB - 7.00 1 - SE 03/2012
50. SENIOR PLC via its funds GB - 6.88 1 - FS 09/2012
51. MISSION MARKETING GROUP PLC (THE) GB - 6.84 1 - SE 03/2010
52. NORTH AMERICAN INCOME TRUST PLC GB - 6.80 1 - SE 06/2012
(THE)
53. INVENSYS PLC via its funds GB - 6.77 1 - FS 09/2012
54. RESOLUTION LIMITED via its funds GB - 6.67 1 - FS 10/2012
55. OAKLEY CAPITAL INVESTMENTS LIMITED BM - 6.41 1 - RS 04/2011
56. JPMORGAN MID CAP INVESTMENT TRUST GB - 6.02 1 - SE 12/2011
PLC
57. CANDOVER INVESTMENTS PUBLIC LIMITED GB - 6.00 1 - SE 08/2011
COMPANY
58. TED BAKER PLC GB - 5.90 1 - SE 06/2012
59. ESSAR ENERGY PLC GB - 5.87 1 - SE 09/2012
60. ESSAR ENERGY PLC via its funds MU - 5.86 1 - FS 09/2012
61. INGENIOUS MEDIA ACTIVE CAPITAL GB - 5.76 1 - SE 06/2012
LIMITED
62. CITY NATURAL RESOURCES HIGH YIELD GB 0.14 5.75 1 - SE 07/2009
TRUST PLC
63. ABERFORTH SMALLER COMPANIES TRUST GB 0.65 5.61 1 - SE 01/2009
PLC
64. PURSUIT DYNAMICS PLC via its funds GB - 5.37 1 - FS 09/2012
65. JOHNSON MATTHEY PLC via its funds GB - 5.36 1 - FS 09/2012
66. MELROSE PLC GB - 5.36 1 - SE 08/2012
67. PETROCELTIC INTERNATIONAL PLC via its IE - 5.28 1 - FS 08/2012
funds
68. BLACKROCK SMALLER COMPANIES TRUST GB - 5.24 1 - SE 02/2012
PLC
69. IMPAX ASIAN ENVIRONMENTAL MARKETS GB - 5.17 1 - FS 08/2012
PLC via its funds
70. SHERBORNE INVESTORS (GUERNSEY) A GB - 5.16 1 - SE 04/2011
LIMITED
71. ROBERT WALTERS PLC GB - 5.15 1 - SE 07/2012
72. SCOTTISH INVESTMENT TRUST PLC GB 5.10 n.a. 1 - RS 12/2011
73. HENDERSON EUROTRUST PLC GB - 5.09 1 - SE 02/2012
74. TATE & LYLE PUBLIC LIMITED COMPANY GB - 5.04 1 - FS 09/2012
via its funds
75. BOVIS HOMES GROUP PLC via its funds GB - 5.01 1 - FS 09/2012
76. SMITHS GROUP PLC via its funds GB - 5.01 1 - FS 09/2012
77. BUNZL PUBLIC LIMITED COMPANY via its GB - 5.00 1 - FS 09/2012
funds
78. REED ELSEVIER PLC GB - 4.99 1 - SE 09/2012
79. MICHAEL PAGE INTERNATIONAL PLC via its GB - 4.97 1 - FS 09/2012
funds
80. THE SAGE GROUP PLC. via its funds GB - 4.96 1 - FS 10/2012
81. PETRA DIAMONDS LTD via its funds BM - 4.95 1 - FS 03/2012
82. SERCO GROUP PLC via its funds GB - 4.95 1 - FS 02/2012
83. FENNER PLC via its funds GB - 4.91 1 - FS 10/2012
84. RESTAURANT GROUP PLC (THE) via its GB - 4.91 1 - FS 09/2012
funds
85. FIRSTGROUP PLC via its funds GB - 4.87 1 - FS 05/2012
86. FIDESSA GROUP PLC via its funds GB - 4.86 1 - FS 02/2012
87. CADOGAN PETROLEUM PLC GB - 4.83 1 - SE 08/2012
88. PICTON PROPERTY INCOME LIMITED GB - 4.80 1 - SE 03/2012
89. TRAVIS PERKINS PLC via its funds GB - 4.79 1 - FS 10/2012
90. UBM PLC via its funds GB - 4.78 1 - FS 02/2012
91. COOKSON GROUP PLC via its funds GB - 4.75 1 - FS 02/2012
92. BURFORD CAPITAL LTD via its funds GB - 4.71 1 - FS 02/2012
93. THOMAS COOK GROUP PLC via its funds GB - 4.70 1 - FS 09/2012
94. MECOM GROUP PLC via its funds GB - 4.49 1 - FS 05/2012
95. APR ENERGY PLC via its funds GB - 4.38 1 - FS 08/2012
96. BETTER CAPITAL PCC LIMITED GB - 4.38 1 - SE 09/2012
97. TROY INCOME & GROWTH TRUST PLC GB - 4.14 1 - SE 08/2012
98. SHAFTESBURY PLC via its funds GB - 4.10 1 - FS 11/2011
99. PHOENIX GROUP HOLDINGS KY 4.04 n.a. 1 - RS 03/2012
100. HANSTEEN HOLDINGS PLC GB - <5.00 1 - SE 02/2012
34 49
30 55
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Original Restated Original Original Partial
31/12/2008 31/12/2007 31/12/2006 31/12/2005 01/01/2005
242,735.0 209,814.0 188,285.0 174,944.0 161,162.0

246,304.0 212,222.0 190,478.0 177,016.0 163,080.0
3,569.0 2,408.0 2,193.0 2,072.0 1,918.0
175,883.0 126,575.0 139,697.0 118,417.0 117,785.0
41,704.0 36,087.0 42,069.0 32,965.0 33,313.0
28,884.0 8,659.0 5,565.0 5,878.0 9,263.0
100,771.0 78,107.0 86,873.0 75,314.0 71,433.0
4,524.0 3,722.0 5,190.0 4,260.0 3,776.0
418,618.0 336,389.0 327,982.0 293,361.0 278,947.0
2,965.0 2,839.0 4,252.0 4,291.0 4,180.0
14,450.0 14,118.0 11,364.0 12,102.0 9,727.0
436,033.0 353,346.0 343,598.0 309,754.0 292,854.0
237,960.0 196,314.0 201,761.0 163,255.0 166,703.0

170,938.0 156,555.0 139,342.0 131,070.0 126,349.0
67,022.0 39,759.0 37,175.0 658.0 631.0
n.a. n.a. 25,244.0 31,527.0 39,723.0
140,855.0 92,515.0 47,893.0 58,144.0 50,273.0
26,892.0 7,582.0 5,763.0 6,396.0 10,334.0
6,754.0 3,206.0 28.0 n.a. n.a.
107,209.0 81,727.0 42,102.0 51,748.0 39,939.0
47,519.0 52,092.0 79,716.0 74,447.0 62,963.0
n.a. n.a. 2,721.0 3,278.0 3,345.0
9,699.0 12,425.0 11,507.0 10,630.0 9,570.0
436,033.0 353,346.0 343,598.0 309,754.0 292,854.0
8,542.0 5,311.0 4,006.0 4,122.0 3,515.0

3,569.0 2,408.0 2,193.0 2,072.0 1,918.0
91,776.0 98,328.0 113,405.0 94,495.0 91,231.0
2,453.0 4,725.0 5,238.0 5,345.0 5,257.0
88,161.0 95,581.0 92,974.0 94,088.0 n.a.
n.a. n.a. n.a. 7,733.0 n.a.

17,256.0 11,958.0 12,072.0 4,669.0 11,211.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 01/01/2005
7,718.0 6,099.0 5,329.0 5,671.0 n.a.
2,154.0 4,607.0 5,775.0 4,869.0 n.a.
-9,186.0 3,123.0 6,341.0 9,298.0 n.a.
2,537.0 2,624.0 2,478.0 2,148.0 n.a.

8,803.0 -1,140.0 -3,044.0 -6,577.0 n.a.
6,183.0 5,637.0 5,301.0 5,315.0 n.a.
2,876.0 1,721.0 1,560.0 1,302.0 n.a.
-6.0 652.0 5.0 -103.0 n.a.
807.0 4,000.0 4,248.0 3,820.0 n.a.
-38.0 679.0 1,341.0 1,265.0 n.a.
845.0 3,321.0 2,907.0 2,555.0 n.a.
9,872.0 10,706.0 11,104.0 10,540.0 n.a.
2,042.0 1,957.0 1,919.0 1,914.0 n.a.
11.20 11.00 10.70 10.90 10.10

8.00 9.50 8.20 7.90 8.20
19,129.0 15,675.0 16,635.0 15,765.0 13,301.0
13,701.0 13,545.0 12,828.0 11,478.0 10,753.0
1,498.0 1,405.0 1,299.0 1,078.0 n.a.
31/12/2008 31/12/2007 31/12/2006 31/12/2005 01/01/2005
15,716.0 15,234.0 13,301.0 10,882.0 n.a.

1,853.0 1,640.0 807.0 1,707.0 n.a.
17,569.0 16,874.0 14,108.0 12,589.0 n.a.
4,932.0 5,085.0 5,418.0 4,354.0 n.a.

4,919.0 5,690.0 3,361.0 2,564.0 n.a.
9,851.0 10,775.0 8,779.0 6,918.0 n.a.
7,718.0 6,099.0 5,329.0 5,671.0 n.a.
-9,186.0 3,123.0 6,341.0 9,298.0 n.a.

n.a. n.a. 22.0 0.0 n.a.
8,271.0 -2,092.0 -3,850.0 -7,717.0 n.a.

2,537.0 2,624.0 2,478.0 2,148.0 n.a.
532.0 952.0 784.0 1,140.0 n.a.
2,154.0 4,607.0 5,775.0 4,869.0 n.a.
2,931.0 2,904.0 2,741.0 2,855.0 n.a.
3,252.0 2,733.0 2,560.0 2,460.0 n.a.
6,183.0 5,637.0 5,301.0 5,315.0 n.a.

3,689.0 5,069.0 5,803.0 5,225.0 n.a.
2,876.0 1,721.0 1,560.0 1,302.0 n.a.
6.0 5.0 -5.0 -3.0 n.a.
807.0 3,343.0 4,248.0 3,926.0 n.a.

0.0 657.0 0.0 50.0 n.a.
n.a. n.a. n.a. 6.0 n.a.
n.a. n.a. n.a. -150.0 n.a.
807.0 4,000.0 4,248.0 3,820.0 n.a.
-38.0 679.0 1,341.0 1,265.0 n.a.
845.0 3,321.0 2,907.0 2,555.0 n.a.
399.0 -399.0 -29.0 1.0 28.0

1.0 18.0 -19.0 n.a. n.a.
1,245.0 2,940.0 2,859.0 2,556.0 28.0
26.0 32.0 104.0 62.0 n.a.
819.0 3,289.0 2,803.0 2,493.0 n.a.
2,042.0 1,957.0 1,919.0 1,914.0 n.a.

114,643.0 102,739.0 95,601.0 88,895.0 80,282.0

25,318.0 22,988.0 23,025.0 23,280.0 22,841.0
96,428.0 76,386.0 61,990.0 64,841.0 59,957.0
9,915.0 10,109.0 9,862.0 0.0 0.0
3,569.0 2,408.0 2,193.0 2,072.0 1,918.0
242,735.0 209,814.0 188,285.0 174,944.0 161,162.0
246,304.0 212,222.0 190,478.0 177,016.0 163,080.0
8,542.0 5,311.0 4,006.0 4,122.0 3,515.0
41,704.0 36,087.0 42,069.0 32,965.0 33,313.0

45,064.0 57,911.0 69,438.0 60,374.0 56,840.0
28,884.0 8,659.0 5,565.0 5,878.0 9,263.0
55,707.0 20,196.0 17,435.0 14,940.0 14,593.0
129,655.0 86,766.0 92,438.0 81,192.0 80,696.0
3,282.0 1,932.0 2,325.0 n.a. n.a.
2,631.0 3,722.0 4,739.0 4,260.0 3,776.0
1,893.0 n.a. 451.0 n.a. n.a.
0.0 0.0 0.0 0.0 0.0
418,618.0 336,389.0 327,982.0 293,361.0 278,947.0
5,008.0 4,330.0 1,898.0 1,156.0 1,078.0

2,965.0 2,839.0 4,252.0 4,291.0 4,180.0
2,256.0 2,358.0 2,377.0 2,373.0 2,469.0
197.0 2,367.0 2,861.0 2,972.0 2,788.0
300.0 0.0 n.a. n.a. n.a.
833.0 0.0 n.a. n.a. n.a.
5,856.0 5,063.0 4,228.0 5,601.0 3,392.0
436,033.0 353,346.0 343,598.0 309,754.0 292,854.0
51,285.0 49,533.0 73,191.0 68,864.0 126,349.0
76,144.0 71,905.0 66,151.0 62,206.0 n.a.
43,509.0 35,117.0 n.a. n.a. n.a.
170,938.0 156,555.0 139,342.0 131,070.0 126,349.0
67,022.0 39,759.0 37,175.0 658.0 631.0
n.a. n.a. 25,244.0 31,527.0 39,723.0
237,960.0 196,314.0 201,761.0 163,255.0 166,703.0
75,710.0 51,572.0 30,030.0 39,346.0 28,728.0

17,256.0 11,958.0 12,072.0 4,669.0 11,211.0
14,243.0 18,197.0 n.a. n.a. n.a.
107,209.0 81,727.0 42,102.0 44,015.0 39,939.0
26,892.0 7,582.0 5,763.0 6,396.0 10,334.0
6,754.0 3,206.0 28.0 n.a. n.a.
378,815.0 288,829.0 249,654.0 213,666.0 216,976.0

n.a. n.a. 2,721.0 3,278.0 3,345.0
0.0 484.0 817.0 n.a. n.a.
0.0 948.0 1,416.0 1,145.0 925.0
34,062.0 38,617.0 66,498.0 62,907.0 53,512.0
13,457.0 12,043.0 10,985.0 10,395.0 8,526.0
426,334.0 340,921.0 332,091.0 291,391.0 283,284.0
n.a. n.a. n.a. 7,733.0 n.a.
9,393.0 12,141.0 11,162.0 10,155.0 9,461.0

306.0 284.0 352.0 435.0 81.0
n.a. n.a. 0.0 29.0 28.0
n.a. n.a. -7.0 11.0 0.0
9,699.0 12,425.0 11,507.0 10,630.0 9,570.0

436,033.0 353,346.0 343,598.0 309,754.0 292,854.0
6.83 7.55 7.23 6.40 n.a.

2.92 3.27 3.79 3.21 n.a.
4.76 5.05 4.55 4.38 n.a.
3.03 3.94 3.65 3.08 n.a.
2.09 1.83 1.72 1.97 n.a.

1.31 1.31 1.21 1.52 n.a.
2.09 1.83 1.72 1.97 n.a.
21.82 43.03 52.01 46.20 n.a.

62.63 52.65 47.74 50.43 n.a.
1.60 1.61 1.62 1.75 n.a.
33.33 42.67 53.19 52.35 n.a.
0.96 1.45 1.78 1.72 n.a.
78.12 34.05 26.80 24.86 n.a.
7.29 28.14 38.94 39.33 n.a.

0.21 0.96 1.30 1.30 n.a.
-4.71 16.98 31.57 33.12 n.a.
2.16 3.55 3.72 3.61 n.a.
0.47 2.34 2.72 2.71 n.a.
7.63 27.95 26.65 25.60 n.a.

0.22 0.95 0.89 0.84 n.a.
11.25 24.75 26.21 25.61 n.a.
0.32 0.84 0.88 0.84 n.a.
0.50 2.33 1.86 1.76 n.a.

0.73 2.06 1.83 1.76 0.02

1.48 2.21 1.85 1.74 1.50
8.00 9.50 8.20 7.90 8.20
11.20 11.00 10.70 10.90 10.10
5.60 n.a. n.a. n.a. n.a.
2.22 3.52 3.35 3.43 3.27
241.66 58.93 66.01 74.91 n.a.
164.02 66.56 67.12 74.88 n.a.

-12.34 10.98 8.59 6.03 n.a.
23.40 2.84 10.93 5.77 n.a.

16.06 11.42 7.60 8.55 n.a.
3.47 2.50 2.10 2.33 2.16
1.45 1.13 1.15 1.17 1.18
41.78 45.34 54.74 50.27 54.57
51.27 23.36 15.76 19.29 16.69
1.25 0.85 0.85 0.77 n.a.

0.65 0.70 0.71 0.63 n.a.
3.47 2.50 2.10 2.33 2.16
144.09 135.56 136.70 135.05 129.07

62.22 90.76 113.16 n.s. n.s.
48.57 55.66 57.13 63.24 61.14
4,720.0 3,524.0 n.a. 9,373.0 n.a.

49.0 40.0 2,777.0 n.a. n.a.
80,823.0 89,595.0 82,279.0 82,416.0 n.a.

2,569.0 2,422.0 7,918.0 2,299.0 n.a.
524,194.0 448,927.0 436,572.0 403,842.0 292,854.0
170,500.0 172,000.0 156,000.0 144,900.0 131,800.0
170,500.0 172,000.0 156,000.0 144,900.0 131,800.0
230,246.7 201,706.3 183,938.3 169,931.3 n.a.

368,726.3 334,037.7 310,384.3 287,694.7 n.a.
385,720.3 350,013.0 326,373.0 302,904.7 n.a.
324,593.3 273,478.7 240,484.7 224,418.7 n.a.
11,120.0 11,558.7 10,473.3 9,659.7 n.a.
11,068.3 11,880.7 10,910.0 9,981.0 n.a.
168,651.0 155,386.7 143,122.0 135,672.7 n.a.
47,108.0 n.a. n.a. 30,695.0 n.a.

15,430.0 n.a. n.a. 10,859.0 n.a.
56,331.0 n.a. n.a. 39,132.0 n.a.
123,866.0 n.a. n.a. 94,258.0 n.a.
38,416.0 n.a. n.a. n.a. n.a.

2,682.0 n.a. n.a. n.a. n.a.
11,902.0 n.a. n.a. n.a. n.a.
47,771.0 n.a. n.a. n.a. n.a.
28,297.0 n.a. n.a. 25,885.0 n.a.

7,002.0 n.a. n.a. 3,955.0 n.a.
5,354.0 n.a. n.a. 1,357.0 n.a.
105.0 n.a. n.a. 1,768.0 n.a.
160,514.0 n.a. n.a. n.a. n.a.
7,925.0 n.a. n.a. n.a. n.a.
2,054.0 n.a. n.a. n.a. n.a.
445.0 n.a. n.a. n.a. n.a.
n.a. n.a. n.a. 122,475.0 n.a.

n.a. n.a. n.a. 3,317.0 n.a.
n.a. n.a. n.a. 5,278.0 n.a.
63,159.0 n.a. n.a. n.a. n.a.

1,399.0 n.a. n.a. n.a. n.a.
1,956.0 n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a. n.a.
49,386.0 n.a. n.a. n.a. n.a.

9,192.0 n.a. n.a. n.a. n.a.
13,643.0 n.a. n.a. n.a. n.a.
3,489.0 n.a. n.a. n.a. n.a.
75,710.0 n.a. n.a. n.a. n.a.
17,256.0 11,958.0 12,072.0 4,669.0 11,211.0
845.0 3,321.0 2,907.0 2,555.0 n.a.

845.0 n.a. n.a. n.a. n.a.
9,699.0 12,425.0 11,507.0 10,630.0 9,570.0


9,699.0 12,425.0 11,507.0 10,630.0 9,570.0
0.0 n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a. n.a.

2,256.0 2,358.0 2,377.0 2,373.0 2,469.0
197.0 2,367.0 2,861.0 2,972.0 2,788.0
833.0 n.a. n.a. n.a. n.a.
0.0 n.a. n.a. n.a. n.a.
5,567.0 3,063.0 2,982.0 0.0 0.0
0.0 n.a. n.a. n.a. n.a.

15,716.0 15,234.0 13,301.0 10,882.0 n.a.

4,932.0 5,085.0 5,418.0 4,354.0 n.a.

n.a. n.a. n.a. 60,374.0 56,840.0



n.a. 4,663.0 5,756.0 n.a. n.a.
n.a. 4,663.0 5,756.0 60,374.0 56,840.0
n.a. 18,216.0 16,815.0 n.a. n.a.
n.a. 324.0 582.0 n.a. n.a.

n.a. 29.0 15.0 n.a. n.a.
n.a. 19.0 23.0 14,940.0 14,593.0
55,707.0 20,196.0 17,435.0 14,940.0 14,593.0

n.a. 324.0 582.0 n.a. n.a.
n.a. 4,711.0 5,794.0 14,940.0 14,593.0
1,610.0 1,542.0 1,489.0 n.a. n.a.

112.0 137.0 190.0 n.a. n.a.
1,498.0 1,405.0 1,299.0 1,078.0 n.a.

3,569.0 2,408.0 2,193.0 2,072.0 1,918.0


3,609.0 2,730.0 2,695.0 2,590.0 2,564.0

5,784.0 9,814.0 8,467.0 7,565.0 6,897.0

306.0 284.0 352.0 435.0 81.0
9,393.0 12,141.0 11,155.0 10,195.0 9,489.0
9,699.0 12,425.0 11,507.0 10,155.0 9,461.0
n.a. n.a. 0.0 29.0 28.0
n.a. n.a. 0.0 29.0 28.0
n.a. n.a. 12.0 11.0 n.a.
n.a. n.a. 12.0 40.0 28.0
n.a. n.a. 12.0 40.0 28.0
9,699.0 12,425.0 11,507.0 10,630.0 9,570.0

648.0 1,957.0 1,919.0 1,914.0 n.a.
2,042.0 1,957.0 1,919.0 1,914.0 n.a.
833.0 n.a. n.a. n.a. n.a.
197.0 n.a. n.a. n.a. n.a.

11,134.0 n.a. n.a. n.a. n.a.
n.a. 3,063.0 2,982.0 0.0 0.0
5,567.0 3,063.0 2,982.0 0.0 0.0
5,567.0 3,063.0 2,982.0 0.0 0.0
13,701.0 13,545.0 12,828.0 11,478.0 10,753.0

19,129.0 15,675.0 16,635.0 15,765.0 13,301.0
8.00 9.50 8.20 7.90 8.20
11.20 11.00 10.70 10.90 10.10
170,500.0 142,600.0 156,000.0 144,900.0 131,800.0


4,758.0 5,135.0 6,158.0 6,160.0 6,219.0
129,655.0 86,766.0 92,438.0 81,192.0 80,696.0

129,655.0 86,766.0 92,438.0 81,192.0 80,696.0


66,473 69,553 76,092 66,797 n.a.

8.00 9.50 8.20 7.90 8.20
5.60 n.a. n.a. n.a. n.a.
11.20 11.00 10.70 10.90 10.10
n.a. n.a. n.a. 1,156.0 1,078.0

31/12/2008 31/12/2007 31/12/2006 31/12/2005 01/01/2005
1.45 1.14 1.15 1.17 1.18

37.26 28.22 29.27 22.96 n.a.
41.78 45.34 54.74 50.27 54.57
3.47 2.50 2.10 2.33 2.16
0.65 0.70 0.71 0.63 n.a.
40.26 27.87 29.08 27.95 n.a.
88.07 42.74 34.81 38.78 36.73
51.27 23.36 15.76 19.29 16.69
8.00 9.50 8.20 7.90 8.20

11.20 11.00 10.70 10.90 10.10
2.22 3.52 3.35 3.43 3.27
4.00 5.92 6.11 6.08 5.94
4.08 6.33 5.70 6.51 5.74
2.37 3.78 3.60 3.71 3.52
6.18 6.90 6.86 7.44 7.10
11.11 11.62 12.52 13.17 12.89
11.33 12.42 11.69 14.11 12.47
6.59 7.41 7.37 8.03 7.64
64.02 49.04 51.20 20.27 53.95
2.04 1.84 1.72 1.98 n.a.

1.96 1.75 1.63 1.88 n.a.
0.55 1.32 1.77 1.62 n.a.
2.30 2.11 2.10 2.20 n.a.
0.21 0.96 1.30 1.30 n.a.
0.01 -0.01 -0.41 -0.45 n.a.
0.21 0.95 0.89 0.85 n.a.
7.64 27.75 26.26 25.30 n.a.
241.66 58.93 66.01 74.91 n.a.
-10.82 11.40 8.93 6.35 n.a.
-0.71 19.63 0.17 -4.03 n.a.
62.63 52.65 47.74 50.43 n.a.
0.94 1.46 1.78 1.73 n.a.
62.22 90.76 113.17 n.s. n.s.

55.67 59.38 54.80 56.48 55.03
102.01 106.88 93.32 107.16 96.68
67.14 75.78 79.25 83.71 78.32
38.57 50.09 56.21 57.88 54.73
25.38 35.51 47.73 45.21 44.34
2005
4.84
4.78
4.66
4.37
4.42
4.61
4.70
4.45
4.56
4.51
4.59
4.77
Op.
Date of Vari- No of
Revenue
(mil USD)*
12/2011 ö 34,870.0 120,449.0

12/2011 ð 11,501.0 48,566.0
12/2011 ð 1,436.0 n.a.
12/2011 ð -512.0 n.a.
12/2011 ö 16,076.0 52,029.0

12/2011 ð 8,369.0 3,832.0
12/2011 ð n.a. n.a.
08/2012 ð 84.0 804.0
10/2011 - n.a. n.a.
05/2012 - 7.0 n.a.
05/2012 ð 5.0 n.a.
09/2012 ð n.a. n.a.
01/2012 ø n.a. n.a.

09/2012 ð n.a. n.a.
09/2012 ð n.a. n.a.
05/2012 - <0,5 n.a.
09/2012 ö 113.0 746.0
12/2010 ð <0,5 n.a.
10/2010 - 214.0 n.a.
10/2010 - 89.0 n.a.
10/2010 - 336.0 n.a.
03/2010 - 14.0 95.0
01/2009 ð 133.0 384.0
04/2012 ø 11.0 37.0

05/2012 ø n.a. n.a.
06/2012 ø 402.0 n.a.
05/2012 ø 1.0 2,461.0
01/2009 - n.a. n.a.
09/2012 ø n.a. n.a.
09/2011 ö 15.0 n.a.
02/2011 ö 2.0 n.a.
06/2009 ö n.a. n.a.
12/2011 ø 72.0 n.a.

09/2012 ø 1,743.0 1,139.0
07/2009 - n.a. n.a.
09/2012 ð 823.0 2,478.0
01/2009 - n.a. n.a.

09/2012 ø n.a. n.a.
10/2012 ø 3,202.0 10,150.0
09/2012 ö 243.0 934.0
07/2012 ø 261.0 n.a.
02/2008 ø n.a. n.a.
10/2012 ø 2,073.0 16,273.0
02/2010 ø 322.0 1,383.0
07/2012 ø n.a. n.a.
07/2012 ø 2.0 n.a.
01/2009 - n.a. n.a.
12/2011 ö 14,117.0 22,078.0

03/2012 ö n.a. n.a.
09/2012 ð 991.0 5,374.0
03/2010 ö 179.0 666.0
06/2012 ö n.a. n.a.
09/2012 ð 4,065.0 20,634.0

10/2012 ø 3,290.0 5,733.0
04/2011 ö n.a. n.a.
12/2011 - n.a. n.a.
08/2011 ø - -
06/2012 ø 340.0 1,979.0

09/2012 ø 20,939.0 3,699.0
09/2012 ø n.a. n.a.
06/2012 ø n.a. n.a.
07/2009 ø n.a. n.a.
01/2009 - n.a. n.a.
09/2012 ø 1.0 67.0

09/2012 ö 19,248.0 10,058.0
08/2012 ø n.a. n.a.
08/2012 ö <0,5 34.0
02/2012 ø n.a. n.a.
08/2012 ö 6.0 5.0
04/2011 ö n.a. n.a.
07/2012 ö 817.0 1,934.0

12/2011 ð 9.0 23.0
02/2012 ø n.a. n.a.
09/2012 ð 4,944.0 4,286.0
09/2012 ð 564.0 560.0

09/2012 ð 4,753.0 23,200.0
09/2012 ð 7,902.0 11,956.0
09/2012 ø n.a. 30,500.0

09/2012 ö 1,576.0 5,286.0
10/2012 ø 2,081.0 13,565.0

03/2012 ø 223.0 3,902.0
02/2012 ö 7,184.0 76,670.0
10/2012 ø 1,170.0 4,548.0
09/2012 ð 753.0 10,572.0
05/2012 ð 10,771.0 124,705.0

02/2012 ø 431.0 1,748.0
08/2012 ø 9.0 130.0
03/2012 ø n.a. n.a.
10/2012 ø 7,421.0 21,423.0
02/2012 ø 1,523.0 6,634.0
02/2012 ø 4,370.0 16,128.0
02/2012 ö n.a. n.a.
09/2012 ö 15,297.0 31,097.0
05/2012 ö 1,434.0 8,082.0
08/2012 ø 164.0 135.0
09/2012 ø n.a. n.a.
08/2012 ø n.a. n.a.
11/2011 ø 127.0 19.0
03/2012 ø 2,277.0 1,355.0
02/2012 ø 107.0 49.0
Eurobank Ergasias SA
105 57 ATHENS BvD ID number GR094014250

GREECE Index number 49514
Contact details
8 OTHONOS STREET Phone number +30 (210) 333 70 00

Fax number +30 (210) 323 38 66
105 57 ATHENS Web Site Address www.eurobank.gr
GREECE
Formerly known as EFG Eurobank Ergasias SA

Bank History :
Established on October 10, 1997 as EFG Eurobank SA through the merger of Euromerchant Bank SA and Interbank of
Greece SA. On March 12, 1999 absorbed Bank of Athens. On October 5, 1999 absorbed Bank of Crete - Cretabank. On
September 7, 2000, absorbed Ergobank SA and changed its name to EFG Eurobank Ergasias SA. In March 2002,
absorbed TELESIS Investment Bank S.A.. On August 3, 2012, EFG Eurobank Ergasias SA changed its name to Eurobank
Ergasias SA.

Accounting Standards International Financial Nickname EFGIFRSC

(13/11/2012) World rank, 2011 213
shareholders
No of recorded 163
subsidiaries
Peer Group

Size 1,148
information.
Long-Term Foreign Currency Rating BB- 01/08/2012 Negative
Financial Strength Rating BB- 01/08/2012 Negative
Support Rating 4 01/08/2012
Country ratings (GREECE, as at 14/11/2012)
Ratings in italic are no longer provided by the agency.

information.
Long-Term Foreign Currency Rating B+ 02/06/2011 Negative
Overall country rating CCC 01/10/2012
Banking sector rating CCC 01/10/2012 Stable
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 48,094.0 56,268.0 55,837.0 55,878.0
Gross Loans 51,491.0 58,597.0 57,579.0 57,288.0
Derivatives 1,818.0 1,440.0 1,224.0 1,518.0
Fixed Assets 1,304.0 1,237.0 1,252.0 1,231.0
Total Assets 76,822.0 87,188.0 84,269.0 82,202.0

Derivatives 3,013.0 2,681.0 2,274.0 3,077.0
Trading Liabilities 18.0 58.0 25.0 n.a.
Equity 875.0 6,094.0 6,314.0 4,623.0
Notes
Off Balance Sheet Items 2,400.0 n.a. n.a. n.a.

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Statement
Overheads 1,198.0 1,426.0 1,471.0 1,566.0
Other -6,749.0 n.a. 0.0 0.0
Tax -1,316.0 52.0 82.0 141.0
Net Income -5,496.0 84.0 316.0 677.0

Tier 1 Ratio 11.50 10.60 11.50 8.00
Total Capital 5,216.0 5,633.0 6,063.0 n.a.
Tier 1 Capital 5,007.0 5,087.0 5,477.0 n.a.
Net-Charge Offs 136.0 674.0 780.0 499.0

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement


Other Interest Expense 2,132.0 1,872.0 2,240.0 575.0
Statement
Equity-accounted Profit/ Loss - Operating -1.0 0.0 5.0 -7.0


Non-recurring Expense 501.0 n.a. 0.0 0.0
Pre-tax Profit -6,955.0 136.0 398.0 818.0
Tax expense -1,316.0 52.0 82.0 141.0
Profit/Loss from Discontinued Operations 143.0 n.a. n.a. n.a.
Net Income -5,496.0 84.0 316.0 677.0

Revaluation of Fixed Assets 0.0 0.0 0.0 n.a.
Currency Translation Differences 38.0 -28.0 -55.0 n.a.
Remaining OCI Gains/(losses) -17.0 -53.0 -25.0 n.a.
Fitch Comprehensive Income -5,051.0 -143.0 290.0 -142.0
Balance Sheet
Assets
Loans
Other Loans n.a. 0.0 0.0 0.0
Net Loans 48,094.0 56,268.0 55,837.0 55,878.0
Gross Loans 51,491.0 58,597.0 57,579.0 57,288.0
Trading Securities and at FV through Income 503.0 638.0 868.0 1,012.0
Derivatives 1,818.0 1,440.0 1,224.0 1,518.0
Other Securities 5,992.0 9,765.0 4,663.0 n.a.
Non-earning Assets
Memo: Mandatory Reserves included above 2,262.0 n.a. n.a. n.a.
Foreclosed Real Estate 369.0 272.0 164.0 n.a.
Fixed Assets 1,304.0 1,237.0 1,252.0 1,231.0
Goodwill 299.0 533.0 533.0 573.0
Current Tax Assets n.a. n.a. n.a. n.a.
Other Assets 878.0 710.0 675.0 693.0
Total Assets 76,822.0 87,188.0 84,269.0 82,202.0
Funding
Derivatives 3,013.0 2,681.0 2,274.0 3,077.0
Trading Liabilities 18.0 58.0 25.0 n.a.
Total Funding 74,092.0 79,187.0 76,220.0 76,015.0
Current Tax Liabilities n.a. n.a. n.a. n.a.
Insurance Liabilities 1,069.0 972.0 749.0 n.a.
Other Liabilities 693.0 800.0 863.0 1,405.0
Hybrid Capital
Debt
Pref. Shares and Hybrid Capital accounted for as 1,695.0 1,741.0 1,741.0 705.0
Equity
Equity
Common Equity -675.0 5,022.0 5,066.0 4,316.0
Foreign Exchange Revaluation Reserves 217.0 n.a. n.a. n.a.
Fixed Asset Revaluations and Other Accumulated n.a. 0.0 0.0 0.0
OCI
Total Equity -820.0 4,353.0 4,573.0 3,918.0
Memo: Fitch Core Capital -3,011.0 3,116.0 3,951.0 3,075.0
Memo: Fitch Eligible Capital -3,351.4 3,511.5 4,742.0 3,780.0
Summary Analytics
Interest Ratios
Customer Deposits%
Liabilities%
Earning Assets%
Assets%
%
%
Securitized Assets%
Fitch Comprehensive Income/ Risk Weighted Assets -11.57 -0.30 0.61 -0.29
%
Capitalization
Fitch Core Capital/Weighted Risks% -6.90 6.50 8.26 6.31
Fitch Eligible Capital/ Weighted Risks% -7.68 3.66 4.96 3.88
Equity/ Total Assets% -1.07 4.99 5.43 4.77
Cash Dividends Paid & Declared/ Net Income% -2.26 113.10 11.71 5.76
Cash Dividend Paid & Declared/ Fitch -2.45 -66.43 12.76 -27.46
Net Income - Cash Dividends/ Total Equity% 685.37 -0.25 6.10 16.28
Loan Quality
Impaired Loans less Reserves for Imp Loans/ Equity -548.90 87.18 53.51 20.87
%
Foreclosed Assets%
Funding
Reference Data
Sheet
Guarantees 902.0 n.a. n.a. n.a.

Acceptances and documentary credits reported off- 161.0 n.a. n.a. n.a.
balance sheet
Committed Credit Lines 1,337.0 n.a. n.a. n.a.
Fitch Adjustments to Weighted Risks. n.a. 47,968.0 47,827.0 48,735.0
Average Loans 53,511.2 58,158.2 56,945.0 52,639.7
Average Assets 81,619.0 86,146.6 83,463.2 75,894.0
Average Equity 3,080.0 4,393.8 4,291.6 4,278.6
Maturities





Net Income -5,496.0 84.0 316.0 677.0
Published Net Income -5,496.0 84.0 316.0 n.a.
Equity -820.0 4,353.0 4,573.0 3,918.0
Add: Pref. Shares and Hybrid Capital accounted for 1,695.0 1,741.0 1,741.0 705.0
as Equity
Published Equity 875.0 n.a. n.a. n.a.

Total Equity as reported (including non-controlling -820.0 4,353.0 4,573.0 3,918.0
interests)
the B/S- CC only
Goodwill 299.0 533.0 533.0 573.0
Deferred tax assets deduction 1,726.0 503.0 -88.0 112.0
securitizations
Fitch Core Capital -3,011.0 3,116.0 3,951.0 3,075.0
Eligible weighted Hybrid capital -1,290.4 -554.5 -159.0 705.0
Fitch Eligible Capital -3,351.4 3,511.5 4,742.0 3,780.0
Eligible Hybrid Capital Limit -1,290.4 1,335.4 1,693.3 1,317.9

Borrowing
Securities
breakdown)
Income Statement
Statement
breakdown)
Total AFS Assets 3,185.0 3,369.0 6,955.0 9,148.0

Asset Quality Data

Net Charge-offs
Recoveries 64.0 31.0 57.0 33.0
Net Charge-offs 136.0 674.0 780.0 499.0
Reserves
Collective/General Loan Impairment Reserves n.a. 3,379.0 2,231.0 240.0
Individual/Specific Loan Impairment Reserves n.a. 2,312.0 1,656.0 1,170.0

Capital
Eligible Capital
Legal Reserves 1,699.0 1,635.0 1,446.0 1,210.0

dividends
Treasury Shares n.a. 10.0 10.0 428.0
Other Common Equity -1,098.0 4,031.0 4,298.0 3,587.0
Total Common Equity -820.0 4,353.0 4,573.0 4,316.0
Hybrid Securities Reported in Equity 1,695.0 1,741.0 1,741.0 705.0
Interests
absorbing

Deferred Tax Assets to be Deducted from Core 1,726.0 503.0 -88.0 112.0
Capital
Hybrid Capital Fitch Class A n.a. 0.0 n.a. n.a.
Hybrid Capital Fitch Class B n.a. 0.0 n.a. n.a.
Hybrid Capital Fitch Class C 745.0 791.0 n.a. n.a.
Hybrid Capital Fitch Class D n.a. 0.0 n.a. n.a.
Regulatory Capital
Weighted Total of Fitch Hybrid Capital Classes (-) -577.5 -554.5 -159.0 705.0
Regulatory Tier 1 Capital 5,007.0 5,087.0 5,477.0 n.a.
Total Regulatory Capital 5,216.0 5,633.0 6,063.0 n.a.

II
Capital
deposits
banks

loans

Ratios

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Assets Quality
Capital
Tier 1 Ratio 11.50 10.60 11.50 8.00
Equity / Net Loans 1.82 10.83 11.31 8.27
Operations
Pre-Tax Op Inc / Avg Assets -0.25 n.a. 0.48 1.09
Dividend Pay-Out 0.00 0.00 0.00 0.00
Inc Net Of Dist / Avg Equity -157.73 1.35 5.78 13.56
Non Op Items / Net Income 122.80 n.a. 0.00 0.00
Liquidity
Interbank Ratio 669.99 450.96 211.87 165.22
General information


ISIN number: GRS323013003
Ticker symbol: EUROB
Stock exchange(s) listed: Athens Stock Exchange

Boerse Berlin
Boerse Duesseldorf
Boerse Frankfurt
Boerse Munchen
Boerse Stuttgart
IPO date: 4/14/1999
Market price - January 0.92 4.28 6.25 4.92 18.70 n.a.

Market price - February 1.03 4.64 5.86 4.06 19.10 n.a.
Market price - May 0.50 3.18 3.97 8.15 18.32 26.42

Price trends (%)

BETA
Reference index 1: FTSE ASE 20 INDEX

Reference index 2:
Reference index 3:
Reference index 4:
Reference index 5:

Date News
1 06/10/2012 Burgan Bank to acquire a majority stake in Eurobank Tekfen,
receives regulatory approval (deal no. 1601285799)
2 05/10/2012 National Bank of Greece seeks shareholder approval of Eurobank
3 09/08/2012 Greek banks vie for Credit Agricole’s Emporiki unit (deal no.
1601383264)
4 23/07/2012 EFG Group to sell shares in EFG Eurobank to members of the
Latsis family and John S. Latsis Public Benefit Foundation (deal
no. 1601390510)
5 02/07/2012 Alpha Bank in exlusive negotiation (deal no. 1601383264)

6 15/06/2012 Dias Aquaculture announces takeover results (deal no.
1601354444)
7 22/05/2012 Shareholders of approve cancellation of Alpha Bank's takeover of
EFG (deal no. 1601296241)
8 30/04/2012 Raiffeisen closes the acquisition of majority stake in Polbank
(deal no. 1601226835)
9 30/08/2011 Greek lenders declare merger (deal no. 1601296241)
10 15/07/2011 EFG reviews options for Turkish activities (deal no. 1601285799)
11 13/07/2011 Energy Soliutions Investments has acquired Hellenic Petroleum

12 29/06/2011 Agricultural Bank of Greece completes rights issue (deal no.
1601260751)
13 30/05/2011 Eurobank's acquisition of DIAS approved (deal no. 1601232866)
14 25/05/2011 Watson Pharmaceuticals has acquired Specifar (deal no.

1601273722)
15 03/02/2011 Raiffeisen and EFG to transfer Polbank EFG to Raiffeisen Bank
Polska; the acquisition of the majority stake has been completed
(deal no. 1601244638)
16 13/07/2010 Raiffeisen and EFG have put/call option for shares in Raiffeisen
Bank Polska (deal no. 1601244642)
17 28/12/2009 Michaniki's reduces share capital (deal no. 1601147783)
18 23/09/2009 EFG sells shares in Hellenic Exchanges (deal no. 1601117853)
19 23/09/2009 EFG Eurobank sells stake in Hellenic Exchanges (deal no.
1601115816)
20 22/09/2009 EFG Eurobank sold shares in Hellenic Exchanges (deal no.
1601116336)
21 21/09/2009 S&B Industrial Minerals completes rights issue offer (deal no.
1601080176)
22 10/09/2009 EFG Eurobank Ergasias completes private placement (deal no.
1601111466)
23 29/07/2009 EFG Eurobank Ergasias issues convertible bond (deal no.
1601082076)
24 12/06/2009 EFG Eurobank increases its stake in Banc Post (deal no.
1601094132)
25 12/06/2009 EFG Eurobank offeres to acquire further stake in Banc Post (deal
no. 1601094133)
26 03/06/2009 National Bank and EFG Eurobank in talks for cooperation do not
exclude merger option (deal no. 1601085247)
27 21/05/2009 EFG Eurobank Ergasias completes preference share issue (deal
no. 1601045175)
28 15/05/2008 Deutsche Telekom to acquire stake in the Hellenic Telecom
Organisation (deal no. 519760)
29 10/04/2008 European Hotel Enterprises and International Lodging of Bulgaria
acquire stake in Sheraton-Sofia Balkan (deal no. 632932)
30 28/03/2008 EFG Eurobank Ergasias increases its stake in Hellenic Postbank

(deal no. 641868)
31 27/02/2008 EFG Eurobank Ergasias acquires stake in Hellenic Exchanges
(deal no. 621937)
(deal no. 616108)
33 01/02/2008 Stake in Hellenic Exchanges has been sold (deal no. 616069)
(deal no. 614164)
(deal no. 610579)
38 09/01/2008 EFG acquires MBAM (deal no. 598908)
39 01/11/2007 DZI Bank and Postbank merge (deal no. 480825)
40 01/10/2007 Mytilineos Holding takes over Aluminium of Greece (deal no.
1601115610)
41 01/10/2007 Mytilineos Holding took over Aluminium of Greece (deal no.
1601115613)
(deal no. 610752)
43 01/08/2007 Stake in EFG Eurobank Ergasias is up for sale (deal no. 565233)
44 29/06/2007 Investors acquire stake in OTE (deal no. 493590)

45 25/06/2007 Eurobank EFG plans to increase its capital (deal no. 551431)
46 16/04/2007 Lavipharm plans to increase its capital (deal no. 538994)
47 03/04/2007 EFG Eurobank Ergasias SA denies rumours of takeover of Tekstil
Bankasi SA. (deal no. 655715)
48 16/03/2007 EFG Eurobank acquires a majority stake in Tekfenbank (deal no.
460888)
49 01/03/2007 EFG Eurobank Ergasias acquires majority stake in Universal Bank
(deal no. 413649)
50 01/03/2007 Universal Bank to increase its capital (deal no. 519660)
Source : Zephyr
Boards & committees

1. Mr. Ευθύμιος Χριστοδούλου - Chairman BoD IH
P038960290
2. Mr. Γεώργιος Γόντικας - Vice-Chairman BoD IH
P039812739
Management & staff

1. Mr. Πόλα Χατζησωτηρίου - General Manager SenMan IH
P116821457
2. Mr. Φωκίων Καραβίας - General Manager SenMan IH
P038960381
3. Mr. Ευάγγελος Κάβαλλος - General Manager SenMan IH
P116821458
4. Mr. Χαράλαμπος Κύρκος - General Manager SenMan IH
P116821459
5. Mr. Γεώργιος Μαρίνος - General Manager SenMan IH
P041973594
6. Mr. Νικόλαος-Γεώργι Νανόπουλος - CEO SenMan IH
P116821456 - Representative SenMan IH
7. Mr. Μιχαήλ Βλασταράκης - General Manager SenMan IH
P041952750
8. Mr. Βύρων Μπαλλής - Deputy Managing Director SenMan IH
P041977976
9. Mr. Μιχαήλ Κολακίδης - Deputy Managing Director SenMan IH
P041974096
10. Mr. Νικολαοσ Καραμουζησ - Deputy Managing Director SenMan IH
P041968128
11. Mr. Χρήστος Γκλαβάνης - Representative SenMan IH
P041953292
12. Mr. Θεανώ Ζαμπέλλα - HR Director HR IH
P116821460
13. Mr. Γεώργιος Σφήκας - Purchasing Manager Proc IH
P116821455
Ownership Source
Level
own.

1. BEST DIRECT S.A. GR 100.00 100.00 1 UO+ RM 12/2011
2. BULGARIAN RETAIL SERVICES S.A. / n.a. 100.00 100.00 1 UO+ IP 06/2012
BULGARIA
3. CEH BALKAN HOLDINGS LTD CY 100.00 100.00 1 UO+ RM 12/2011
4. CHAMIA ENTERPRISES COMPANY LTD CY 100.00 100.00 1 UO+ RM 12/2011
5. EFG ASSET FIN D.O.O. RS 100.00 100.00 1 UO+ RM 12/2011
6. EFG BUSINESS SERVICES D.O.O. RS 100.00 100.00 1 UO+ RM 12/2011
7. EFG EUROBANK ERGASIAS LEASING S.A. GR 100.00 100.00 1 UO+ IP 08/2012
8. EFG EUROLIFE GENERAL INSURANCE S.A. GR 100.00 100.00 1 UO+ RM 12/2011
9. EFG EUROLIFE LIFE INSURANCE S.A. GR 100.00 100.00 1 UO+ IP 07/2012
10. EFG EUROLIFE S.A. GR 100.00 100.00 1 UO+ IP 06/2012
11. EFG HELLAS (CAYMAN ISLANDS) LIMITED KY 100.00 100.00 1 UO+ RM 12/2011
12. EFG HELLAS FUNDING LTD GB 100.00 100.00 1 UO+ RM 12/2011

13. EFG HELLAS II (CAYMAN ISLANDS) LTD KY 100.00 100.00 1 UO+ RM 12/2011
14. EFG HELLAS PLC GB 100.00 100.00 1 UO+ RM 12/2011
15. EFG INSURANCE SERVICES S.A. GR 100.00 100.00 1 UO+ RM 12/2011
16. EFG ISTANBUL HOLDING A S TR 100.00 100.00 1 UO+ RM 12/2011
17. EFG LEASING EAD BG 100.00 100.00 1 UO+ RM 12/2011
18. EFG NEW EUROPE FUNDING B.V. NL 100.00 100.00 1 UO+ RM 12/2011
19. EFG NEW EUROPE FUNDING III LTD CY 100.00 100.00 1 UO+ RM 12/2011
20. EFG NEW EUROPE HOLDING B.V. NL 100.00 100.00 1 UO+ RM 12/2011
21. EFG PROPERTY SERVICE UKRAINE LLC UA 100.00 100.00 1 UO+ RM 12/2011
22. EFG SECURITIES BULGARIA EAD BG 100.00 100.00 1 UO+ RM 12/2011
23. EUROBANK CARDS S.A. GR 100.00 100.00 1 UO+ RM 12/2011
24. EUROBANK EFG ASSET MANAGEMENT GR 100.00 100.00 1 UO+ RM 12/2010
INVESTMENT FIRM SA
25. EUROBANK EFG ASSET MANAGEMENT GR 100.00 100.00 1 UO+ RM 12/2011
MUTUAL FUND MANAGEMENT CO. S.A.
26. EUROBANK EFG BUSINESS SERVICES S.A. GR 100.00 100.00 1 UO+ IP 07/2012
27. EUROBANK EFG EQUITIES INVESTMENT GR 100.00 100.00 1 UO+ RM 12/2010
FIRM S.A.
28. EUROBANK EFG EQUITIES S.A. GR 100.00 100.00 1 UO+ RM 12/2011
29. EUROBANK EFG FACTORS SA GR 100.00 100.00 1 UO+ RM 12/2011
30. EUROBANK EFG FINANCIAL PLANNING GR 100.00 100.00 1 UO+ RM 12/2011
SERVICES S.A.
31. EUROBANK EFG FUND MANAGEMENT LU 100.00 100.00 1 UO+ RM 12/2011
COMPANY (LUXEMBOURG) S.A.
32. EUROBANK EFG PROPERTY SERVICES S.A. GR 100.00 100.00 1 UO+ RM 12/2011
33. EUROBANK EFG UKRAINE DISTRIBUTION UA 100.00 100.00 1 UO+ RM 12/2011

LLC
34. EUROBANK PRIVATE BANK LUXEMBOURG LU 100.00 100.00 1 UO+ RM 12/2011
SA
35. I EF DZHI LIZING EAD BG 100.00 100.00 1 UO+ IP 03/2009
36. IMO CENTRAL OFFICE EAD BG 100.00 100.00 1 UO+ RM 12/2011
37. IMO PROPERTY INVESTMENTS A.D. n.a. 100.00 100.00 1 UO+ IP 06/2012
BEOGRAD
38. IMO PROPERTY INVESTMENTS BUCURESTI n.a. 100.00 100.00 1 UO+ IP 06/2012
S.A.
39. IMO PROPERTY INVESTMENTS BUCURESTI RO 100.00 100.00 1 UO+ RM 12/2011
SA EX BANCPOST FOND DE PENSII SA
40. IMO PROPERTY INVESTMENTS SOFIA n.a. 100.00 100.00 1 UO+ IP 06/2012
E.A.D.
41. IMO PROPERTY INVESTMENTS SOFIA BG 100.00 100.00 1 UO+ RM 12/2011
E.A.D.
42. IMO RELA EAD BG 100.00 100.00 1 UO+ RM 12/2011
43. IMO RILA E.A.D. n.a. 100.00 100.00 1 UO+ IP 06/2012
44. IMO-II PROPERTY INVESTMENTS S.A. n.a. 100.00 100.00 1 UO+ IP 06/2012
45. NEU II PROPERTY HOLDINGS LTD CY 100.00 100.00 1 UO+ RM 12/2011
46. NEU III PROPERTY HOLDINGS LTD CY 100.00 100.00 1 UO+ RM 12/2011
47. NEU PROPERTY HOLDINGS LIMITED CY 100.00 100.00 1 UO+ RM 12/2011
48. POLBANK EFG S.A. PL 100.00 100.00 1 UO+ IP 09/2011
49. BERBERIS INVESTMENT LTD GB - 100.00 1 UO+ RM 12/2011
50. BULGARIAN RETAIL SERVICES AD BG - 100.00 1 UO+ RM 12/2011
51. EFG AUTO LEASING EOOD BG - 100.00 1 UO+ RM 12/2011
52. EFG EUROBANK FINANCE SA RO - 100.00 1 UO+ RM 12/2011
53. EFG EUROBANK SECURITIES SA RO - 100.00 1 UO RM 12/2011
54. EFG EUROLIFE ASIGURARI DE VIATA SA RO - 100.00 1 UO+ RM 12/2011
55. EFG EUROLIFE ASIGURARI GENERALE SA RO - 100.00 1 UO+ RM 12/2011
56. EFG IT SHARED SERVICES SA RO - 100.00 1 UO+ RM 12/2011
57. EFG LEASING IFN SA RO - 100.00 1 UO+ RM 12/2011
58. EFG NEW EUROPE FUNDING II B.V. NL - 100.00 1 UO RM 12/2011
59. EFG RETAIL SERVICES IFN SA RO - 100.00 1 UO+ RM 12/2011
60. EUROBANK EFG HOLDING ( LUXEMBOURG ) LU - 100.00 1 UO+ RM 12/2011
SA
61. EUROCREDIT RETAIL SERVICES LTD CY - 100.00 1 UO+ RM 12/2010
62. IMO PROPERTY INVESTMENTS RS - 100.00 1 UO+ RM 12/2011
63. IMO-II PROPERTY INVESTMENTS SA RO - 100.00 1 UO+ RM 12/2011
64. OPEN 24 S.A. GR - 100.00 1 UO+ RM 12/2011
65. EFG LEASING AD BEOGRAD RS 99.99 n.a. 1 UO+ RM 12/2011
66. EUROBANK EFG A.D. BEOGRAD RS 99.98 n.a. 1 UO+ RM 12/2011
67. PUBLIC J.S.C. UNIVERSAL BANK GR 99.96 n.a. 1 UO+ RM 12/2011
68. GLOBAL FUND MANAGEMENT S.A. GR 99.50 n.a. 1 UO+ RM 12/2011
69. EFG FINANSAL KIRALAMA A S TR - 99.26 1 UO RM 12/2011
70. EFG ISTANBUL MENKUL DEGERLER AS TR - 99.26 1 UO RM 12/2011
71. EFG ISTANBUL PORTFOLY YONETIMI A.S. n.a. 99.26 n.a. 1 UO+ IP 06/2012
72. EFG ISTANBUL PORTFOY YONETIMI AS TR 99.26 n.a. 1 UO+ RM 12/2011
73. EUROBANK TEKFEN TR - 99.26 1 UO+ RM 12/2011
74. BE - BUSINESS EXCHANGES S.A. GR 98.01 n.a. 1 UO+ RM 12/2011
75. BANCPOST SA RO 94.00 n.a. 1 UO IP 01/2012
76. BANCPOST SA RO 93.78 n.a. 1 UO RS 12/2011
77. EFG EUROBANK PROPERTY SERVICES SA RO 80.00 n.a. 1 UO RM 12/2011
78. EFG PROPERTY SERVICES RS 80.00 n.a. 1 UO RM 12/2011
79. EFG PROPERTY SERVICES SOFIA AD BG 80.00 n.a. 1 UO RM 12/2011
80. FEMION LTD CY 66.67 n.a. 1 UO RM 12/2011
81. ELIADE TOWER SA RO - 55.94 1 UO RM 12/2011
82. EUROBANK PROPERTIES S.A. REAL ESTATE GR 55.94 n.a. 1 UO RM 12/2011
INVESTMENT COMPANY
83. RECO REAL PROPERTY RS - 55.94 1 UO RM 12/2011
84. RETAIL DEVELOPMENT SA RO - 55.94 1 UO RM 12/2011
85. SEFERCO DEVELOPMENT SA RO - 55.94 1 UO RM 12/2011
86. TAVROS PROTYPI ANAPTYXI S.A. GR - 55.92 1 UO RM 12/2010
87. EUROBANK EFG STEDIONICA AD BEOGRAD RS 55.80 n.a. 1 UO RS 12/2011
88. EUROBANK EFG BULGARIA AD BG 54.27 n.a. 1 UO RS 12/2011

(POSTBANK)
89. EUROBANK HOLDING (LUXEMBURG) SA n.a. MO n.a. 1 UO AR 12/2008
90. CARDLINK S.A. GR 50.00 n.a. 1 - IP 10/2012
91. TEFIN S.A. GR 50.00 n.a. 1 - RM 12/2011
92. SINDA ENTERPRISES COMPANY LIMITED CY 48.00 n.a. 1 - RM 12/2011
93. UNITFINANCE S.A. GR 40.00 n.a. 1 - RM 12/2011
94. DIAS SA INVESTMENT COMPANY GR 26.08 n.a. 1 - RM 12/2010
95. KANTOR MANAGEMENT CONSULTANTS S.A. GR 19.34 n.a. 1 - IP 10/2012
96. ALTEC HOLDINGS S.A. IT AND GR 13.22 n.a. 1 - IP 09/2012

COMMUNICATION SYSTEM
97. P.G. NIKAS SA GR 11.99 n.a. 1 - IP 08/2012
98. MJ MAILLIS SA GR 10.52 n.a. 1 - IP 06/2012
99. INTERBANKING SYSTEMS "DIAS" S.A. GR 10.21 n.a. 1 - IP 12/2011
100. GLOBAL FINANCE S.A. GR 9.91 n.a. 1 - IP 07/2012
70 00
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IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
45,639.0 34,046.0 26,624.0 21,231.0

46,670.0 34,907.0 27,385.0 21,834.0
1,031.0 861.0 761.0 603.0
17,416.0 15,247.0 14,572.0 9,018.0
4,577.0 2,938.0 2,993.0 733.0
738.0 518.0 311.0 255.0
12,101.0 11,791.0 11,268.0 8,030.0
0.0 0.0 0.0 0.0
63,055.0 49,293.0 41,196.0 30,249.0
1,120.0 973.0 827.0 741.0
4,214.0 3,554.0 2,441.0 2,056.0
68,389.0 53,820.0 44,464.0 33,046.0
44,595.0 36,620.0 31,430.0 25,246.0

30,181.0 23,914.0 19,255.0 18,208.0
2,012.0 10,923.0 10,781.0 5,361.0
12,402.0 1,783.0 1,394.0 1,677.0
16,610.0 12,086.0 8,495.0 4,719.0
1,050.0 709.0 736.0 625.0
n.a. 0.0 0.0 0.0
15,560.0 11,377.0 7,759.0 4,094.0
1,825.0 1,490.0 1,140.0 901.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,359.0 3,624.0 3,399.0 2,180.0
68,389.0 53,820.0 44,464.0 33,046.0
1,505.0 1,210.0 n.a. 634.9

1,031.0 861.0 761.0 603.0
8,269.0 6,399.0 5,957.0 4,731.0
735.0 354.0 154.0 68.0
n.a. n.a. n.a. n.a.
n.a. 0.0 0.0 0.0

991.0 592.0 643.0 398.0

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2,017.0 1,606.0 1,376.0 1,102.0
808.0 632.0 499.0 387.0
33.0 32.0 20.0 12.0
n.a. n.a. n.a. n.a.
558.0 447.0 354.0 288.0

217.0 153.0 125.0 87.0
1,359.0 1,049.0 890.0 772.0
401.0 344.0 309.0 223.0
-15.0 -13.0 0.0 6.0
1,050.0 832.0 676.0 500.0
219.0 225.0 172.0 148.0
831.0 607.0 504.0 352.0
2,817.0 2,233.0 1,860.0 1,489.0
257.0 286.0 171.0 132.0
12.23 10.40 13.54 9.93

9.22 8.46 10.94 8.03
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
267.0 267.0 154.0 136.0
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
5,373.0 3,525.0 2,518.0 1,814.0

607.0 482.0 332.0 274.0
13.0 9.0 4.0 8.0
5,993.0 4,016.0 2,854.0 2,096.0
3,503.0 2,058.0 1,264.0 879.0

473.0 352.0 214.0 115.0
3,976.0 2,410.0 1,478.0 994.0
2,017.0 1,606.0 1,376.0 1,102.0
33.0 32.0 20.0 12.0

105.0 70.0 37.0 40.0
n.a. n.a. n.a. n.a.
53.0 37.0 36.0 18.0

558.0 447.0 354.0 288.0
51.0 41.0 37.0 29.0
800.0 627.0 484.0 387.0
727.0 589.0 486.0 425.0
632.0 460.0 404.0 347.0
1,359.0 1,049.0 890.0 772.0
8.0 5.0 15.0 n.a.

1,466.0 1,189.0 985.0 717.0
401.0 344.0 309.0 223.0
0.0 0.0 0.0 0.0
1,065.0 845.0 676.0 494.0
n.a. n.a. n.a. 6.0

n.a. n.a. n.a. n.a.
15.0 13.0 n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,050.0 832.0 676.0 500.0
219.0 225.0 172.0 148.0
n.a. n.a. n.a. n.a.
831.0 607.0 504.0 352.0
-49.0 -29.0 -28.0 196.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
782.0 578.0 476.0 548.0
16.0 6.0 3.0 12.0
815.0 601.0 501.0 340.0
257.0 286.0 171.0 132.0

n.a. n.a. n.a. n.a.
11,270.0 8,527.0 6,262.0 4,383.0

n.a. n.a. n.a. n.a.
10,580.0 8,211.0 6,811.0 5,471.0
24,820.0 18,169.0 14,312.0 11,980.0
0.0 0.0 0.0 0.0
1,031.0 861.0 761.0 603.0
45,639.0 34,046.0 26,624.0 21,231.0
46,670.0 34,907.0 27,385.0 21,834.0
1,505.0 1,210.0 n.a. 634.9
n.a. n.a. n.a. n.a.
4,577.0 2,938.0 2,993.0 733.0

n.a. n.a. n.a. n.a.
960.0 807.0 1,209.0 2,488.0
738.0 518.0 311.0 255.0
10,477.0 10,936.0 10,024.0 5,485.0
618.0 n.a. n.a. n.a.
46.0 48.0 35.0 57.0
n.a. n.a. n.a. n.a.
12,839.0 12,309.0 11,579.0 8,285.0
7,903.0 7,980.0 9,336.0 6,462.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 0.0
63,055.0 49,293.0 41,196.0 30,249.0
2,732.0 2,654.0 1,755.0 1,510.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
1,120.0 973.0 827.0 741.0
605.0 285.0 114.0 51.0
130.0 69.0 40.0 17.0
n.a. n.a. n.a. n.a.
86.0 100.0 88.0 60.0
n.a. n.a. n.a. n.a.
661.0 446.0 444.0 418.0
68,389.0 53,820.0 44,464.0 33,046.0
13,494.0 11,205.0 9,801.0 8,340.0

n.a. n.a. n.a. n.a.
16,687.0 12,709.0 9,454.0 9,868.0
30,181.0 23,914.0 19,255.0 18,208.0
2,012.0 10,923.0 10,781.0 5,361.0
n.a. n.a. n.a. n.a.
12,402.0 1,783.0 1,394.0 1,677.0
44,595.0 36,620.0 31,430.0 25,246.0
14,569.0 10,785.0 7,116.0 3,696.0

991.0 592.0 643.0 398.0
n.a. n.a. n.a. n.a.
15,560.0 11,377.0 7,759.0 4,094.0
1,050.0 709.0 736.0 625.0
n.a. 0.0 0.0 0.0
61,205.0 48,706.0 39,925.0 29,965.0
n.a. 0.0 0.0 0.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
13.0 42.0 62.0 79.0
15.0 12.0 12.0 0.0
174.0 105.0 193.0 214.0
n.a. n.a. n.a. n.a.
n.a. 429.0 302.0 169.0
1,623.0 902.0 571.0 439.0
63,030.0 50,196.0 41,065.0 30,866.0
n.a. 0.0 0.0 0.0
777.0 786.0 762.0 0.0
4,162.0 2,518.0 2,355.0 1,906.0

330.0 181.0 114.0 78.0
90.0 139.0 168.0 196.0
n.a. n.a. n.a. n.a.
0.0 0.0 0.0 0.0
4,582.0 2,838.0 2,637.0 2,180.0

68,389.0 53,820.0 44,464.0 33,046.0
3,811.0 n.a. n.a. n.a.
4,588.0 n.a. n.a. n.a.
13.26 11.52 10.19 n.a.

12.52 9.55 6.79 n.a.
10.69 8.95 7.77 n.a.

7.30 5.50 4.10 n.a.
3.60 3.58 3.75 n.a.

2.88 2.81 2.91 n.a.
3.60 3.58 3.75 n.a.
28.40 28.08 26.02 25.99

48.24 46.98 47.85 51.85
2.24 2.16 2.24 n.a.
39.80 43.34 40.50 n.a.
2.42 2.45 2.48 n.a.
27.35 28.93 31.37 31.10
28.92 30.80 27.80 n.a.

1.75 1.74 1.70 n.a.
20.86 27.04 25.44 29.60
3.16 3.45 3.79 3.21
2.30 2.45 2.60 2.22
22.56 22.13 20.73 n.a.

1.37 1.25 1.27 n.a.
21.23 21.07 19.57 n.a.
1.29 1.19 1.20 n.a.
n.a. n.a. n.a. n.a.
1.79 1.76 1.94 1.58

1.69 1.68 1.83 2.46
8.22 n.a. n.a. n.a.

4.95 n.a. n.a. n.a.
5.64 4.57 5.56 6.23
9.22 8.46 10.94 8.03
12.23 10.40 13.54 9.93
n.a. n.a. n.a. n.a.
6.70 5.27 5.93 6.60
30.93 47.12 33.93 37.50
32.86 49.48 35.92 24.09
n.a. n.a. n.a. n.a.

12.53 11.31 12.63 10.09
27.07 21.04 34.55 n.a.

33.70 27.47 25.42 n.a.
3.22 3.47 n.a. 2.91
2.21 2.47 2.78 2.76
68.50 71.16 n.a. 94.98
10.34 12.30 n.a. 1.46
0.99 1.12 1.25 n.a.

0.66 0.87 0.62 n.a.
3.22 3.47 n.a. 2.91
154.63 145.97 142.22 119.91

227.49 26.90 27.76 13.67
50.17 49.82 49.13 62.06
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
68,389.0 53,820.0 44,464.0 33,046.0
46,343.0 34,504.0 26,019.0 22,302.0
46,343.0 n.a. n.a. n.a.
92,686.0 34,504.0 26,019.0 22,302.0
40,521.4 30,587.4 24,699.8 n.a.

56,046.4 44,846.8 36,723.5 n.a.
60,692.2 48,595.4 39,739.5 n.a.
n.a. n.a. n.a. n.a.
54,444.0 43,813.0 36,047.3 n.a.
2,808.0 2,013.6 1,885.3 n.a.
3,683.0 2,743.2 2,431.8 n.a.
27,990.4 21,547.4 18,612.5 n.a.
n.a. n.a. 6,467.0 3,274.0

n.a. n.a. 4,845.0 8,870.0
n.a. n.a. 6,765.0 4,819.0
n.a. n.a. 8,547.0 4,268.0
n.a. n.a. 905.0 1,039.0
n.a. n.a. 450.0 1,194.0
n.a. n.a. 8,968.0 5,740.0
n.a. n.a. 0.0 0.0
n.a. 2,492.0 4,743.0 2,241.0

n.a. n.a. 5.0 2.0
n.a. n.a. 0.0 0.0
n.a. n.a. 0.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 10,760.0 16,787.0

n.a. n.a. 719.0 859.0
n.a. n.a. 7,776.0 562.0
n.a. n.a. n.a. n.a.
n.a. n.a. 10,294.0 5,017.0

n.a. n.a. 414.0 262.0
n.a. n.a. 73.0 82.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. 2,521.0 1,999.0
n.a. n.a. 6,632.0 3,772.0
n.a. n.a. n.a. n.a.
n.a. n.a. 9,153.0 5,771.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. 15.0 0.0
n.a. n.a. 2,042.0 398.0
n.a. n.a. n.a. n.a.
991.0 592.0 643.0 398.0
n.a. n.a. n.a. n.a.
831.0 607.0 504.0 352.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
4,582.0 2,838.0 2,637.0 2,180.0

777.0 786.0 762.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
4,582.0 2,838.0 2,637.0 2,180.0

0.0 0.0 0.0 0.0
0.0 n.a. 0.0 0.0

605.0 285.0 114.0 51.0
130.0 69.0 40.0 17.0
36.0 41.0 19.0 60.0
0.0 n.a. n.a. n.a.
0.0 n.a. n.a. n.a.
3,811.0 n.a. n.a. n.a.

777.0 786.0 762.0 0.0
0.0 n.a. n.a. n.a.
4,588.0 n.a. n.a. n.a.
1,633.3 n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
5,373.0 3,525.0 2,518.0 1,814.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
3,503.0 2,058.0 1,264.0 879.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
498.0 621.0 1,075.0 2,358.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
498.0 621.0 1,075.0 2,358.0
2,756.0 2,730.0 1,205.0 711.0
7,000.0 7,699.0 8,436.0 4,508.0

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
721.0 507.0 383.0 266.0
n.a. n.a. n.a. n.a.
10,477.0 10,936.0 10,024.0 5,485.0
n.a. n.a. n.a. n.a.
618.0 n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
618.0 n.a. n.a. n.a.
7,618.0 7,699.0 8,436.0 4,508.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
721.0 507.0 383.0 266.0
287.0 267.0 188.0 n.a.

20.0 n.a. n.a. n.a.
267.0 267.0 154.0 136.0
n.a. n.a. n.a. n.a.

1,031.4 861.0 n.a. 603.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
2,855.0 1,577.0 1,577.0 1,430.0
1,070.0 852.0 745.0 403.0

335.0 248.0 81.0 76.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

98.0 159.0 48.0 3.0
330.0 181.0 114.0 78.0
4,252.0 2,657.0 2,523.0 2,102.0
4,162.0 2,518.0 2,355.0 1,906.0
90.0 139.0 168.0 196.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
90.0 139.0 168.0 196.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
90.0 139.0 168.0 196.0
n.a. n.a. n.a. n.a.
90.0 139.0 168.0 196.0
777.0 786.0 762.0 0.0
5,359.0 3,624.0 3,399.0 2,180.0
n.a. n.a. 0.0 0.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

257.0 286.0 171.0 132.0
257.0 286.0 171.0 132.0
n.a. n.a. n.a. n.a.
36.0 41.0 19.0 60.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
777.0 786.0 762.0 0.0
777.0 786.0 762.0 0.0
777.0 786.0 762.0 0.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
9.22 8.46 10.94 8.03
12.23 10.40 13.54 9.93
46,343.0 34,504.0 26,019.0 22,302.0
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
12,839.0 12,309.0 11,579.0 8,285.0

n.a. n.a. n.a. n.a.
12,839.0 12,309.0 11,579.0 8,285.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.
9.22 8.46 10.94 8.03
n.a. n.a. n.a. n.a.
12.23 10.40 13.54 9.93
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
336.0 803.0 599.0 691.0
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
IFRS IFRS IFRS IFRS

31/12/2007 31/12/2006 31/12/2005 31/12/2004
2.21 2.47 2.78 2.76

19.88 21.42 22.46 20.24
68.51 71.16 n.a. 94.98
3.23 3.47 n.a. 2.91
0.66 0.86 0.63 0.62
21.67 28.08 18.94 23.65
28.08 33.39 n.a. 29.12
8.85 9.63 n.a. 1.46
9.22 8.46 10.94 8.03

12.23 10.40 13.54 9.93
7.84 6.73 7.64 6.60
11.74 10.64 12.77 10.27
12.02 9.90 10.82 8.64
8.64 7.31 8.41 7.16
9.29 7.83 9.09 7.80
13.91 12.38 15.18 12.14
14.24 11.51 12.86 10.21
10.24 8.50 10.00 8.46
15.61 14.04 15.91 15.44
3.59 3.55 3.85 3.64

3.30 3.27 3.55 3.34
1.32 1.29 1.29 1.17
2.88 2.84 3.09 3.01
1.74 1.72 1.74 1.50
-0.38 -0.48 -0.44 -0.43
1.36 1.24 1.30 1.07
18.50 17.29 18.07 16.15
30.93 47.12 33.93 37.50
12.78 9.14 11.94 10.09
-1.81 -2.14 0.00 1.71
48.11 46.87 47.47 51.85
2.40 2.42 2.54 2.17
227.49 26.90 27.76 13.67
66.73 63.26 59.88 64.25
102.34 92.97 84.71 84.10
75.80 70.76 67.78 71.81
18.54 17.47 18.95 18.74
13.73 13.30 15.17 16.00
Op.
Date of Vari- No of
Revenue
(mil USD)*
12/2011 ð 2.0 n.a.

06/2012 - n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
08/2012 ð 144.0 59.0
12/2011 ð n.a. n.a.
07/2012 ð 174.0 119.0
06/2012 ð 65.0 103.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.

12/2011 ð n.a. n.a.
12/2011 ö 6.0 n.a.
12/2011 ð 4.0 32.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð 2.0 4.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð 45.0 398.0
12/2010 ð n.a. n.a.
12/2011 ð n.a. n.a.
07/2012 ð 4.0 47.0

12/2010 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð 37.0 63.0
12/2011 ð 32.0 650.0
12/2011 ð n.a. n.a.
12/2011 ð 28.0 101.0
12/2011 ð n.a. n.a.
12/2011 ð 52.0 68.0
03/2009 - <0,5 36.0

12/2011 - n.a. n.a.
06/2012 - n.a. n.a.
06/2012 - n.a. n.a.
12/2011 ð n.a. n.a.
06/2012 - n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.

06/2012 - n.a. n.a.
06/2012 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ð n.a. n.a.
09/2011 - n.a. 1,001.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. 4.0
12/2011 ð 1.0 18.0
12/2011 ñ <0,5 8.0
12/2011 ñ n.a. n.a.
12/2011 ñ 3.0 n.a.
12/2011 ñ 2.0 n.a.
12/2011 ñ 18.0 94.0
12/2011 ñ 16.0 45.0
12/2011 ð n.a. n.a.
12/2011 ð 39.0 425.0
12/2011 ð n.a. n.a.
12/2010 ð n.a. n.a.

12/2011 ð n.a. 1.0
12/2011 ö n.a. n.a.
12/2011 ð 21.0 250.0
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ð n.a. n.a.
12/2011 ö n.a. n.a.
12/2011 ö 26.0 68.0
06/2012 - n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ö 122.0 1,041.0
12/2011 ð 1.0 60.0
01/2012 ö n.a. n.a.
12/2011 ö 198.0 3,358.0
12/2011 ð n.a. n.a.
12/2011 ð 1.0 13.0
12/2011 ð n.a. n.a.
12/2011 - n.a. n.a.
12/2011 ö 1.0 1.0
12/2011 ñ 56.0 20.0
12/2011 ö 2.0 n.a.

12/2011 ö 1.0 n.a.
12/2011 ö 6.0 1.0
12/2010 ð <0,5 n.a.
12/2011 ð 635.0 1,539.0
12/2011 ö 199.0 n.a.
12/2008 - n.a. n.a.

10/2012 ð 3.0 4.0
12/2011 ð <0,5 9.0
12/2011 - n.a. n.a.
12/2011 ð <0,5 1.0
12/2010 ö n.a. n.a.
10/2012 ø n.a. n.a.
09/2012 ö 34.0 383.0
08/2012 - 94.0 485.0

06/2012 ö 378.0 1,447.0
12/2011 ð 14.0 65.0
07/2012 ð - -
National Bank of Greece SA
102 32 ATHENS BvD ID number GR094014201

GREECE Index number 43085
Contact details
86 AEOLOU STREET Phone number +30 (210) 334 10 00

Fax number +30 (210) 334 65 10
102 32 ATHENS Web Site Address www.ethniki.gr
GREECE
Bank History :
Established in 1841. In August 1998, National Bank of Greece SA absorbed National Mortgage Bank of Greece SA. In
December 2002, absorbed National Investment Bank for Industrial Development SA - ETEBA.
Accounting Standards International Financial Nickname NBGCIFRS
Name of the Auditor Sol S.A./ Deloitte & Touche Model ALLBANKS

(13/11/2012) World rank, 2011 170
shareholders
No of recorded 102
subsidiaries
Peer Group
Size 1,148
information.
Long-Term Foreign Currency Rating bb- 01/08/2012 Negative
Short-Term Foreign Currency Rating b 01/08/2012 Negative
Financial Strength Rating bb- 01/08/2012 Negative
Support Rating 3 01/08/2012
Country ratings (GREECE, as at 14/11/2012)
Ratings in italic are no longer provided by the agency.

information.
Long-Term Foreign Currency Rating B+ 02/06/2011 Negative
Overall country rating CCC 01/10/2012
Banking sector rating CCC 01/10/2012 Stable
Global summary

31/12/2011 31/12/2010 31/12/2009 31/12/2008
BALANCE SHEET
Assets
Loans 65,793.2 71,542.9 69,132.6 67,676.4
Gross Loans 72,912.8 75,104.5 71,591.8 69,296.8
Derivatives 3,748.8 1,731.2 1,875.9 1,590.3
Remaining earning assets 995.6 1,057.2 970.9 972.7
Fixed Assets 2,022.7 2,070.4 2,099.2 1,982.7
Total Assets 106,870.0 120,744.6 113,394.2 101,838.6

Derivatives 4,469.5 1,790.6 1,329.2 1,567.9
Other Reserves 275.9 152.0 245.3 230.7
Equity -253.0 10,905.3 9,827.6 8,267.2
Notes
Off Balance Sheet Items 21,239.5 25,433.5 26,463.5 n.a.

INCOME STATEMENT
31/12/2011 31/12/2010 31/12/2009 31/12/2008
Other Operating Income 530.3 493.1 1,137.5 1,275.9
Statement
Remaining Operating Income -5.3 18.9 146.4 105.9
Overheads 2,570.9 2,553.2 2,530.0 2,422.4
Other -12,518.3 -85.3 -263.6 -5.2
Profit before Tax -13,420.1 637.6 1,252.0 1,937.0
Tax -1,095.2 197.2 288.7 352.1
Net Income -12,324.9 440.4 963.3 1,584.9
Total Capital Ratio -2.60 13.70 11.30 10.30

Tier 1 Ratio -3.70 13.10 11.30 10.00
Total Capital -1,664.0 9,311.0 7,590.0 6,481.0
Tier 1 Capital -2,367.0 8,958.0 7,590.0 6,257.0
Net-Charge Offs 368.5 277.0 199.5 426.3

31/12/2011 31/12/2010 31/12/2009 31/12/2008
Income Statement

Dividend Income n.a. n.a. 8.9 22.5

Net Gains (Losses) on Other Securities -69.5 -2.6 133.1 10.3
Statement
Other Operating Income -83.7 -55.9 -82.4 1.6
Total Non-Interest Operating Income 529.1 491.5 1,137.4 1,304.8
Other Operating Expenses 954.5 1,022.7 952.5 974.7
Equity-accounted Profit/ Loss - Operating 1.2 1.6 0.1 -28.9

Operating Profit -13,420.1 637.6 1,261.4 1,935.7

Other Non-operating Income and Expenses n.a. n.a. -9.4 1.3
Pre-tax Profit -13,420.1 637.6 1,252.0 1,937.0
Tax expense -1,095.2 197.2 288.7 352.1
Net Income -12,324.9 440.4 963.3 1,584.9
Change in Value of AFS Investments 1,538.4 -829.5 -193.8 -814.6

Remaining OCI Gains/(losses) -3.3 -174.8 -111.2 n.a.
Fitch Comprehensive Income -11,532.6 -466.5 630.2 -156.9
Memo: Net Income after Allocation to Non- -12,344.0 399.0 947.0 1,546.0
Memo: Preferred Dividends Related to the Period n.a. 42.2 42.2 32.7
Balance Sheet
Assets
Loans
Other Loans 0.0 0.0 0.0 0.0
Net Loans 65,793.2 71,542.9 69,132.6 67,676.4
Gross Loans 72,912.8 75,104.5 71,591.8 69,296.8
Derivatives 3,748.8 1,731.2 1,875.9 1,590.3
Non-earning Assets
Fixed Assets 2,022.7 2,070.4 2,099.2 1,982.7
Goodwill 1,738.6 2,099.5 2,045.4 2,037.9
Other Assets 2,786.2 2,474.4 2,460.3 2,241.7
Total Assets 106,870.0 120,744.6 113,394.2 101,838.6
Customer Deposits - Savings 19,297.5 23,294.1 25,146.6 n.a.
Customer Deposits - Term 32,793.8 37,873.4 38,226.7 149.0
Funding
Other Funding

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Erste Group Bank AG

1010 VIENNA BvD ID number AT46146

GRABEN 21 Phone number 43 (1) 711 94 0

Status & accounts information

Formerly known as Erste Bank der Oesterreichischen Sparkassen AG

Status Active Consolidation Code C2

Ranking/Size & main activity

Latest total assets 210,006 mil EUR Ranking (Country), 2011

Bank ratings (as at 30/10/2012)

Country ratings (AUSTRIA, as at 30/10/2012)

Consolidated statements IFRS IFRS IFRS IFRS IFRS

Liabilities & Equity

Hybrid Capital (Memo) 1,239.0 1,180.0 1,180.0 1,256.0 1,247.0 1

Dividend Paid n.a. 264.7 295.0 309.0 347.0

Total Capital Ratio 14.40 13.50 12.70 10.10 10.50

Universal bank model

Consolidated statements IFRS IFRS IFRS IFRS IFRS

Interest Income on Loans 6,426.5 6,306.9 7,128.5 10,007.1 7,676.9 6

Interest Expense on Customer Deposits 1,831.8 1,661.7 2,431.4 3,259.1 2,404.1 2

Net Interest Income 5,561.0 5,391.5 5,208.2 4,891.6 3,922.0 3

Equity-accounted Profit/ Loss - Operating 8.0 21.0 12.7 21.5 23.7

Equity-accounted Profit/ Loss - Non-operating n.a. n.a. n.a. n.a. n.a.

Change in Value of AFS Investments -64.6 77.0 -355.0 -1,479.0 -596.0

Liabilities and Equity

Guarantees n.a. n.a. n.a. 15,212.0 18,765.0 14

Debt Securities < 3 Months n.a. n.a. n.a. n.a. 4,956.0 2

Interbank < 3 Months n.a. n.a. n.a. n.a. 10,263.0 12

Retail Deposits < 3 months n.a. n.a. n.a. n.a. n.a.

Other Deposits < 3 Months n.a. n.a. n.a. n.a. 62,152.0 54

Interbank < 3 Months n.a. n.a. n.a. n.a. 28,854.0 30

Fitch Eligible Capital Reconciliation

Additional Balance Sheet and Obs Input

HTM - Government n.a. n.a. n.a. n.a. n.a.

Asset Quality Data

+90 Days past due n.a. n.a. n.a. n.a. n.a.

Legal Reserves n.a. n.a. n.a. n.a. n.a.

Dividend Declared after Year-End n.a. n.a. n.a. n.a. n.a.

Cash collateral on securities lent n.a. n.a. n.a. n.a. n.a.

Number of Employees 50,452 50,272 50,488 52,648 52,442

Consolidated statements IFRS IFRS IFRS IFRS IFRS

Security & price information

No of outstanding shares (29/10/2012): 394,568,647

Type of share: Ordinary Shares

Stock exchange(s) listed: Wiener Boerse

IPO date: 2/14/2008

Current market price (EUR)

Date of current market price 10/29/2012

Price trends (%)

Date of current market price 10/29/2012

Reference index 1: ATX PRIME

Reference index 2: ATX (AUSTRIAN TRADE INDEX)

Ref. index 2 - Beta - 3 months 1.76

Equity price volatility

Equity price volatility - 360 days 0.56

Mergers & acquisitions

5 10/04/2012 SIF Muntenia sold a stake in Banca Comerciala Romana (deal

21 16/04/2010 KOV seeks money in Warsaw (deal no. 1601039338)

Current Directors / Managers / Contacts

Boards & committees

2. Mrs. Theresa Jordis - 2nd Vice Chairwoman, SupB VI

3. Mr. Georg Winckler - First Vice Chairman of the SupB VI

4. Mag. Bettina Breiteneder - Member, Supervisory Board SupB VI

Management & staff

3. Mr. Martin Škopek - Head of the Division Group Oper VI