StartRisk Dashboard Interactive ToolQ3 2013

data as of Q2 2013

Choose Key Risk IndicatorTier 1 capital ratio

KRI number (order of appearance in EBA Risk Dashboard)1

KRI code1

&"-,Bold"&12&P

Charts

SolvencyKRI - 1: Tier 1 capital ratioCharts axis, scales and legends may have to be adjusted by user for proper readingDispersionNumerator and denominator: trends

5th and 95th pct, interquartile range and median.Total numerator and denominator.December 2009=100.

Country dispersion (as of Jun 2013)KRI by size class

( * ) Not reported. Medians by country. The name of the country is disclosed if reporting institutions are more than 3.Banks are classified in the size class according to the their average total assets between Dec. 2009 and Jun 2013

PeriodWeighted average25th50th75th

Dec - 0910.2%9.1%9.9%11.3%Mar - 1010.2%9.0%10.2%11.1%Jun - 1010.4%8.8%10.1%11.4%Sep - 1010.6%8.9%10.3%11.6%Dec - 1011.0%9.3%10.6%12.4%Mar - 1111.3%9.7%11.1%12.7%1.00Tier 1 capital ratio00SolvencyJun - 1111.4%9.4%11.1%12.5%Sep - 1111.4%9.6%11.0%12.8%5.006.007.008.009.0010.0011.0014.0015.00Dispersion chart12.0013.00Dec - 1111.1%9.4%10.9%12.8%5^ pctFirst quartileAll banksAverageWeighted averageThird quartile95^ pctTop 15OthersQ1Q1 NegQ2Q35pct95 pctNumeratorDenominatorNumeratorDenominatorQuarterMar - 1211.6%9.8%11.4%13.0%Dec - 09200912Tier 1 capital ratio2009127.49%9.05%9.86%10.25%10.24%11.26%13.79%10.47%9.55%9.05%0.00%0.81%1.40%1.56%2.53%987,314,087,3659,639,159,700,000100.00100.0012Jun - 1212.0%10.4%11.7%13.3%Mar - 10201003Tier 1 capital ratio2010037.25%9.01%10.16%10.31%10.25%11.13%14.23%10.58%9.96%9.01%0.00%1.15%0.97%1.76%3.10%1,038,914,200,00010,136,889,000,000105.23105.163Sep - 1212.3%10.3%11.7%13.4%Jun - 10201006Tier 1 capital ratio2010067.02%8.82%10.08%10.18%10.40%11.39%13.87%10.55%9.81%8.82%0.00%1.27%1.31%1.80%2.48%1,074,822,800,00010,333,518,000,000108.86107.206Dec - 1212.5%10.5%11.7%13.5%Sep - 10201009Tier 1 capital ratio2010097.37%8.95%10.30%10.40%10.58%11.60%14.43%10.87%9.86%8.95%0.00%1.35%1.31%1.57%2.83%1,069,000,500,00010,107,633,000,000108.27104.869Mar - 1312.4%10.8%11.6%13.4%Dec - 10201012Tier 1 capital ratio2010127.16%9.26%10.60%11.17%11.02%12.36%14.79%11.51%10.32%9.26%0.00%1.34%1.75%2.10%2.43%1,105,545,900,00010,028,043,000,000111.98104.0312Jun - 1312.6%11.1%12.0%13.8%Mar - 11201103Tier 1 capital ratio2011037.80%9.67%11.07%11.70%11.33%12.66%15.70%11.69%10.77%9.67%0.00%1.40%1.59%1.87%3.04%1,110,855,800,0009,802,880,100,000112.51101.703Jun - 11201106Tier 1 capital ratio2011068.46%9.40%11.12%11.65%11.36%12.52%15.79%11.56%11.03%9.40%0.00%1.72%1.40%0.95%3.27%1,182,814,600,00010,408,962,000,000119.80107.996Sep - 11201109Tier 1 capital ratio2011097.94%9.62%11.05%11.68%11.42%12.82%16.04%11.42%11.04%9.62%0.00%1.42%1.77%1.68%3.22%1,212,389,000,00010,619,438,000,000122.80110.179Dec - 11201112Tier 1 capital ratio2011120.05%9.38%10.90%10.56%11.13%12.80%16.01%11.07%10.48%9.38%0.00%1.52%1.91%9.33%3.20%1,199,730,900,00010,779,552,000,000121.51111.8312Mar - 12201203Tier 1 capital ratio201203-1.01%9.76%11.39%10.90%11.59%12.96%16.04%12.17%11.31%9.76%0.00%1.63%1.57%10.77%3.07%1,211,600,500,00010,450,528,000,000122.72108.423Jun - 12201206Tier 1 capital ratio2012066.39%10.44%11.67%11.81%11.99%13.29%16.17%12.67%11.44%10.44%0.00%1.23%1.62%4.05%2.88%1,250,089,500,00010,427,496,000,000126.62108.186Sep - 12201209Tier 1 capital ratio2012095.39%10.34%11.70%11.90%12.25%13.37%15.95%12.74%11.45%10.34%0.00%1.36%1.67%4.95%2.58%1,267,961,500,00010,346,778,000,000128.43107.349Dec - 12201212Tier 1 capital ratio2012125.25%10.53%11.67%12.15%12.47%13.50%17.41%12.61%11.18%10.53%0.00%1.15%1.83%5.28%3.90%1,254,452,900,00010,061,584,000,000127.06104.3812Mar - 13201303Tier 1 capital ratio2013038.88%10.76%11.65%12.53%12.36%13.45%16.74%12.54%11.50%10.76%0.00%0.88%1.80%1.88%3.29%1,243,062,000,00010,058,243,000,000125.90104.353Jun - 13201306Tier 1 capital ratio2013069.08%11.12%11.98%12.91%12.62%13.82%17.38%12.58%11.94%11.12%0.00%0.86%1.84%2.04%3.56%1,239,811,100,0009,820,665,900,000125.57101.886252182CountryCountry name256EUNumber of banksCountry decoding201306Tier 1 capital ratio1150.201110.125GB6GB201306Tier 1 capital ratio22120.172120.1212SE4SE201306Tier 1 capital ratio33DE0.1638DE0.12DE121201306Tier 1 capital ratio4420.164240.122DE8DE201306Tier 1 capital ratio5540.145150.124222201306Tier 1 capital ratio6610.146260.121313201306Tier 1 capital ratio77GB0.1376GB0.12GB414201306Tier 1 capital ratio88FR0.1385FR0.12FR515201306Tier 1 capital ratio9960.139190.126616201306Tier 1 capital ratio1010110.12103100.1211737201306Tier 1 capital ratio1111IT0.12114IT0.12IT818201306Tier 1 capital ratio121270.12123120.127GR4GR201306Tier 1 capital ratio1313GR0.11134GR0.12GRFR5FR201306Tier 1 capital ratio1414SE0.11144SE0.12SEES4ES201306Tier 1 capital ratio1515100.11151150.1210939201306Tier 1 capital ratio161690.11163160.12910110201306Tier 1 capital ratio1717ES0.11174ES0.12ESIT4IT201306Tier 1 capital ratio181880.11181180.12811311201306Tier 1 capital ratio191930.09191190.12312112201306Tier 1 capital ratio202013.20220*0.1213*13213201306Tier 1 capital ratio9999EU9957EU*

11322132DE851ES441FR5GB6GR412112IT410173816193SE431EU57

&G&"-,Bold"&12&P

KRI databaseThe KRI database

NumberKRI CodeKRI nameNumeratorDenominator11Tier 1 capital ratio

as in Basel 2.5TOTAL ORIGINAL OWN FUNDS FOR GENERAL SOLVENCY PURPOSESTOTAL CAPITAL REQUIREMENTS *12.522Total capital ratio

as in Basel 2.5TOTAL OWN FUNDS FOR SOLVENCY PURPOSESTOTAL CAPITAL REQUIREMENTS * 12.533Tier 1 ratio (excluding hybrid instruments)

as in Basel 2.5TOTAL ORIGINAL OWN FUNDS FOR GENERAL SOLVENCY PURPOSES-Hybrid instruments in Minority interests- Hybrid instruments in 1.1.4.1a Hybrid instruments- (-) Excess on the limits for hybrid instrumentsTOTAL CAPITAL REQUIREMENTS * 12.5413Impaired loans and Past due (>90 days) loans to total loansRow: Loans and advancesColumn: Net carrying amount of the impaired assetsRow: Loan and advancesSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balanceRow: Loans & advancesColumns: > 90 days 180days; > 180 days 1year; > 1yearTotal loans advances (Rows: Loans and advances AFS, Loans and receivables, HTM)Row: Loan and advancesSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsAllowances for incurred but not reported losses on financial assetsColumn: Closing balance514Coverage ratio (specific allowances for loans to total gross impaired loans)Row: Loan and advancesSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balanceRow: Loans and advancesColumn: Net carrying amount of the impaired assetsRow: Loan and advancesSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balance618Impaired financial assets to total assetsRow: TotalColumn: Net carrying amount of the impaired assetsTotal assets720Accumulated impairments on financial assets to total (gross) assetsRow: Loan and advances, Debt instruments and Equity instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsAllowances for incurred but not reported losses on financial assetsColumn: Closing balanceTotal assetsRow: Loan and advances, Debt instruments and Equity instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsAllowances for incurred but not reported losses on financial assetsColumn: Closing balance821Impairments on financial assets to total operating incomeImpairment on financial assets not measured at fair value through profit or lossTotal operating income: rows: Interest income; Interest expenses; Expenses on Share capital repayable on Demand; Dividend income; Fee and commission income; Fee and commission expenses; Realised gains (losses) on financial assets & liabilities not measured at fair value through profit or loss, net; Gains (losses) on financial assets and liabilities held for trading, net; Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net; Gains (losses) from hedge accounting, net; Exchange differences, net; Gains (losses) on derecognition of assets other than held for sale, net; Other operating income; Other operating expenses922Return on equityTotal profit or loss after tax and discontinued operations (annualised)Total equity (period average)1024Cost-income ratioRows: Administration costs; DepreciationTotal operating income: rows: Interest income; Interest expenses; Expenses on Share capital repayable on Demand; Dividend income; Fee and commission income; Fee and commission expenses; Realised gains (losses) on financial assets & liabilities not measured at fair value through profit or loss, net; Gains (losses) on financial assets and liabilities held for trading, net; Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net; Gains (losses) from hedge accounting, net; Exchange differences, net; Gains (losses) on derecognition of assets other than held for sale, net; Other operating income; Other operating expenses1126Net interest income to total operating incomeRows: Interest income; interest expensesTotal operating income as above.1227Net fee and commission income to total operating incomeRows: Fee and commission income; fee and commission expenseTotal operating income as above.1333Net income to total operating incomeTotal profit or loss after tax and discontinued operationsTotal operating income as above.1434Loan-to-deposit ratioTotal loans advances (Rows: Loans and advances held for trading, designated at fair value through profit or loss, AFS, Loans and receivables, HTM)Total deposits (Rows: Deposits held for trading, designated at fair value through profit or loss, measured at amortised cost)1535Customer deposits to total liabilitiesTotal deposits (other than from credit institutions) (Rows: deposits (other than from credit institutions) held for trading, designated fair value through profit or loss, measured at amortised cost)Total liabilities1636Tier 1 capital to (total assets - intangible assets)Original own fundsTotal assets- Intangible assets1745Debt-to-equity ratioTotal liabilitiesTotal equity1846Off-balance sheet items to total assetsLoan commitments given, financial guarantees givenTotal assets

List

NrKri CodeKRI nameFinal versionPreliminary Proposal DashboardPreliminary Proposal HeatmapES ProposalAnnualisation_NumAnnualisation_DenFamilyNumeratorDenominator1111Tier 1 capital ratioYESYESYESYES00SolvencyTOTAL ORIGINAL OWN FUNDS FOR GENERAL SOLVENCY PURPOSESTOTAL CAPITAL REQUIREMENTS *12.52212Total capital ratioYESYESNONO00SolvencyTOTAL OWN FUNDS FOR SOLVENCY PURPOSESTOTAL CAPITAL REQUIREMENTS * 12.53313Tier 1 ratio (excluding hybrid instruments)YESYESYESYES00SolvencyTOTAL ORIGINAL OWN FUNDS FOR GENERAL SOLVENCY PURPOSES-Hybrid instruments in Minority interests- Hybrid instruments in 1.1.4.1a Hybrid instruments- (-) Excess on the limits for hybrid instrumentsTOTAL CAPITAL REQUIREMENTS * 12.50304Credit risk capital requirements of total capital requirementsNONONONO00TOTAL CAPITAL REQUIREMENTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIESTOTAL CAPITAL REQUIREMENTS0305Standardised approach capital requirements of total capital requirementsNONONONO00Standardised approach (SA)TOTAL CAPITAL REQUIREMENTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIES0306Securitisation capital requirements of total capital requirementsNONONONO00Rows: Securitization positions SA; Securitization positions IRBTOTAL CAPITAL REQUIREMENTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIES0307IRB approach capital requirements of total capital requirementsNONONONO00Internal ratings based Approach (IRB)TOTAL CAPITAL REQUIREMENTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIES0308Market risk capital requirements of total capital requirementsNONONONO00TOTAL CAPITAL REQUIREMENTS FOR POSITION, FOREIGN EXCHANGE AND COMMODITY RISKSTOTAL CAPITAL REQUIREMENTS0309Operational risk capital requirements of total capital requirementsNONONONO00TOTAL CAPITAL REQUIREMENTS FOR OPERATIONAL RISKS (OpR )TOTAL CAPITAL REQUIREMENTS03010Settlement and delivery risk capital requirements of total capital requirementsNONONONO00SETTLEMENT/DELIVERY RISKTOTAL CAPITAL REQUIREMENTS03011Other capital requirements of total capital requirementsNONONONO00Complement to overall floor for Capital RequirementsTOTAL CAPITAL REQUIREMENTS03012Past due (>90 days) loans to total loans and advancesYESYESNONO00Credit Risk and Asset Quality Row: Loans & advances Columns: > 90 days 180days; > 180 days 1year; > 1yearTotal loans advances (Rows: Loans and advances AFS, Loans and receivables, HTM)44113Impaired loans and Past due (>90 days) loans to total loansYESYESNOYES00Credit Risk and Asset QualityRow: Loans and advancesColumn: Net carrying amount of the impaired assetsRow: Loan and advancesSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balanceRow: Loans & advancesColumns: > 90 days 180days; > 180 days 1year; > 1yearTotal loans advances (Rows: Loans and advances AFS, Loans and receivables, HTM)Row: Loan and advancesSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsAllowances for incurred but not reported losses on financial assetsColumn: Closing balance55114Coverage ratio (specific allowances for loans to total gross impaired loans)YESYESYESYES00Credit Risk and Asset QualityRow: Loan and advancesSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balanceRow: Loans and advancesColumn: Net carrying amount of the impaired assetsRow: Loan and advancesSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balance05015Past due (>90 days) loans and debt instruments to total loans and debt instrumentsNOYESNONO00 Rows: Loans & advances; Debt instruments Columns: > 90 days 180days; > 180 days 1year; > 1yearTotal loans advances and total debt instruments (Rows: Loans and advances and debt instruments AFS, Loans and receivables, HTM)05016Coverage ratio (specific allowances for loans and deb instruments to total gross impaired loans and debt instruments)NOYESNONO00Row: Loan and advances; Debt instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balanceRow: Loans and advances, Debt instrumentsColumn: Net carrying amount of the impaired assetsRow: Loan and advances; Debt instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balance05017Coverage ratio (all allowances for loans and debt instruments to total gross impaired loans and debt instruments)NOYESNONO00Row: Loan and advances; Debt instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsAllowances for incurred but not reported losses on financial assetsColumn: Closing balanceRow: Loans and advances, Debt instrumentsColumn: Net carrying amount of the impaired assetsRow: Loan and advances; Debt instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balance66118Impaired financial assets to total assetsYESYESYESNO00Credit Risk and Asset QualityRow: TotalColumn: Net carrying amount of the impaired assetsTotal assets06019Impaired debt instruments to total debt instrumentsNOYESYESNO00Row: Debt instrumentsColumn: Net carrying amount of the impaired assetsRow: Debt instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsColumn: Closing balanceTotal debt instruments (Rows: Debt instruments AFS, Loans and receivables, HTM)Row: Debt instrumentsAllowances for incurred but not reported losses on financial assetsColum: Closing balance77120Accumulated impairments on financial assets to total (gross) assetsYESYESYESYES00Credit Risk and Asset QualityRow: Loan and advances, Debt instruments and Equity instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsAllowances for incurred but not reported losses on financial assetsColumn: Closing balanceTotal assetsRow: Loan and advances, Debt instruments and Equity instrumentsSpecific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assetsAllowances for incurred but not reported losses on financial assetsColumn: Closing balance88121Impairments on financial assets to total operating incomeYESYESYESYES11Credit Risk and Asset QualityImpairment on financial assets not measured at fair value through profit or lossTotal operating income: rows: Interest income; Interest expenses; Expenses on Share capital repayable on Demand; Dividend income; Fee and commission income; Fee and commission expenses; Realised gains (losses) on financial assets & liabilities not measured at fair value through profit or loss, net; Gains (losses) on financial assets and liabilities held for trading, net; Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net; Gains (losses) from hedge accounting, net; Exchange differences, net; Gains (losses) on derecognition of assets other than held for sale, net; Other operating income; Other operating expenses99122Return on equityYESYESYESYES10ProfitabilityTotal profit or loss after tax and discontinued operations (annualised)Total equity (period average)09023Return on regulatory capital requirementsNONONONO00Total profit or loss after tax and discontinued operations (annualised)TOTAL CAPITAL REQUIREMENTS (period average)1010124Cost-income ratioYESYESYESYES11ProfitabilityRows: Administration costs; DepreciationTotal operating income: rows: Interest income; Interest expenses; Expenses on Share capital repayable on Demand; Dividend income; Fee and commission income; Fee and commission expenses; Realised gains (losses) on financial assets & liabilities not measured at fair value through profit or loss, net; Gains (losses) on financial assets and liabilities held for trading, net; Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net; Gains (losses) from hedge accounting, net; Exchange differences, net; Gains (losses) on derecognition of assets other than held for sale, net; Other operating income; Other operating expenses010025Return on assetsNONONONO11Total profit or loss after tax and discontinued operations (annualised)Total assets (period average)1111126Net interest income to total operating incomeYESNONOYES11ProfitabilityRows: Interest income; interest expensesTotal operating income as above.1212127Net fee and commission income to total operating incomeYESNONOYES11ProfitabilityRows: Fee and commission income; fee and commission expenseTotal operating income as above.012028Dividend income to total operating incomeNONONONO00Dividend incomeTotal operating income as above.012029Net realised gains (losses) on financial assets & liabilities not measured at fair value through profit and loss to total operating incomeNONONONO00Realised gains (losses) on financial assets & liabilities not measured at fair value through profit and loss, netTotal operating income as above.012030Net gains on financial assets and liabilities held for trading to total operating incomeNONONONO00Gains on financial assets and liabilities held for trading, netTotal operating income as above.012031Net gains on financial assets and liabilities designated at fair value through profit or loss to total operating incomeNONONONO00Gains on financial assets and liabilities designated at fair value through profit, netTotal operating income as above.012032Net other operating income to total operating incomeNONONONO00Rows: Other operating income; Other operating expensesTotal operating income as above.1313133Net income to total operating incomeYESYESNONO11ProfitabilityTotal profit or loss after tax and discontinued operationsTotal operating income as above.1414134Loan-to-deposit ratioYESYESYESYES00Balance Sheet StructureTotal loans advances (Rows: Loans and advances held for trading, designated at fair value through profit or loss, AFS, Loans and receivables, HTM)Total deposits (other than from credit institutions) (Rows: Deposits held for trading, designated at fair value through profit or loss, measured at amortised cost)1515135Customer deposits to total liabilitiesYESYESNONO00Balance Sheet StructureTotal deposits (other than from credit institutions) (Rows: deposits (other than from credit institutions) held for trading, designated fair value through profit or loss, measured at amortised cost)Total liabilities1616136Tier 1 capital to (total assets - intangible assets)YESYESYESNO00Balance Sheet StructureOriginal own fundsTotal assets- Intangible assets016037Debt securities to total liabilitiesNONONONO00Balance Sheet StructureTotal debt certificates (Rows: debt certificates held for trading, designated fair value through profit or loss, measured at amortised cost)Total liabilities016038Deposits from credit institutions to total liabilitiesNONONONO00Balance Sheet StructureTotal deposits from credit institutions (Rows: deposits from credit institutions held for trading, designated fair value through profit or loss, measured at amortised cost)Total liabilities016039Equity to total liabilities and equityNONONONO00Balance Sheet StructureTotal equityTotal liabilities and equity016040Cash and trading assets to total assetsNONONONO00Balance Sheet StructureRows: Cash and cash balances with central banks; Financial assets held for tradingTotal assets016041Cash, trading, and AFS assets to total assetsNONONONO00Balance Sheet StructureRows: Cash and cash balances with central banks; Financial assets held for trading; Available-for-sale financial assetsTotal assets016042Financial assets held for trading to total assetsNONONONO00Balance Sheet StructureFinancial assets held for tradingTotal assets016043Financial liabilities held for trading to total liabilities and equityNONONONO00Balance Sheet StructureFinancial liabilities held for tradingTotal liabilities and equity016044Loans and advances (excl. Trading book) to total assetsNONONONO00Balance Sheet StructureTotal loans advances (Rows: Loans and advances designated fair value through profit or loss, AFS, Loans and receivables, HTM)Total assets1717145Debt-to-equity ratioYESYESYESYES00Balance Sheet StructureTotal liabilitiesTotal equity1818146Off-balance sheet items to total assetsYESYESYESYES00Balance Sheet StructureLoan commitments given, financial guarantees given, other commitments given to other counterpartiesTotal assets

DataConcatenatePeriodKRI_codeKRI_name5thQ1All_banksAvW_avQ395thKRI_numKRI_denTop15OthersKRI_nameKRI_codeKRI_numberConcatenatePeriodKRI_codeKRI_nameCountryMedianCountry_codeHeatmap figuresTier 1 capital ratio2009122009121Tier 1 capital ratio0.07486902510.0905069160.09857555850.10252745830.10242740210.112605930.1379301821987,314,087,3659,639,159,700,0000.10466834580.0954931047Tier 1 capital ratio11Tier 1 capital ratio12013061Tier 1 capital ratio50.20258817371Dec-08Mar-09Jun-09Sep-09Dec-09Mar-10Jun-10Sep-10Dec-10Mar-11Jun-11Sep-11Dec-11Mar-12Jun-12Sep-12Dec-12Mar-13Jun-13Tier 1 capital ratio2010032010031Tier 1 capital ratio0.07250688710.09008342710.10159103040.10312236410.10248846330.11127974280.1423059951,038,914,200,00010,136,889,000,0000.10581337370.0995715432Total capital ratio22Tier 1 capital ratio22013061Tier 1 capital ratio120.17384618462567891011121314151617181920212223Tier 1 capital ratio2010062010061Tier 1 capital ratio0.07016334410.08819097890.10084231530.10182737620.10401324720.1139399010.13870391781,074,822,800,00010,333,518,000,0000.10545149060.0980831597Tier 1 ratio (excluding hybrid instruments)33Tier 1 capital ratio32013061Tier 1 capital ratioDE0.1605395322311sumpctpoi0.01250890080.00901623540.06022585860.06508486660.22018445090.10127008410.20604211470.22905550010.37182449470.43377539660.36742515420.37460846890.3899548490.5414105060.62774017340.66559690530.71302312730.59369630310.5831759612Tier 1 capital ratio2010092010091Tier 1 capital ratio0.07372753710.08947487620.1029734240.10396328770.10576170730.11602522520.14433090741,069,000,500,00010,107,633,000,0000.108658310.0986341391Impaired loans and Past due (>90 days) loans to total loans134Tier 1 capital ratio42013061Tier 1 capital ratio20.155407929412sumpctpoi0.31119781470.35733483940.64516991660.61937722540.65413723190.80052808690.68514472270.65402199780.5889248690.53840907450.60118435120.59350560050.57413784480.42375521130.34897658090.31105254720.26756523230.3932101080.4143686245Tier 1 capital ratio2010122010121Tier 1 capital ratio0.07159932920.0926450840.10602829160.11172152010.11024542320.12355257050.14787492861,105,545,900,00010,028,043,000,0000.11514262490.1032334458Coverage ratio (specific allowances for loans to total gross impaired loans)145Tier 1 capital ratio52013061Tier 1 capital ratio40.1376602325513sumpctpoi0.67629328440.63364892520.29460422480.31553790790.12567831720.0982018290.10881316260.11692250210.03925063630.02781552890.03139049460.03188593060.03590730620.03483428270.02328324560.02335054750.01941164040.01309358890.0024554143Tier 1 capital ratio2011032011031Tier 1 capital ratio0.0779568160.09669532330.11068852910.11698129710.11331932540.12660792510.15699904791,110,855,800,0009,802,880,100,0000.11692459860.1076751369Impaired financial assets to total assets186Tier 1 capital ratio62013061Tier 1 capital ratio10.1375876826631sumpctpoi0.12305963120.15626100340.19994758140.33255669390.32757805120.35461215490.45581721280.53209441760.28999450340.42215330420.46181831120.45715460970.31139360780.52869536150.7277368270.78009085330.80261469030.77083275040.7595335145Tier 1 capital ratio2011062011061Tier 1 capital ratio0.08457429980.09403653190.11121084650.11654619020.11363425440.12523572270.15790708581,182,814,600,00010,408,962,000,0000.11563025210.1102957919Accumulated impairments on financial assets to total (gross) assets207Tier 1 capital ratio72013061Tier 1 capital ratioGB0.1315575788732sumpctpoi0.74220020850.70587977060.7424167860.66744330610.67242194880.64538784510.54418278720.46790558240.69563272560.57784669580.52620403440.54284539030.66504405110.44883097270.25023784330.19777723790.18419073780.21852343270.2404664855Tier 1 capital ratio2011092011091Tier 1 capital ratio0.0794253960.09624646460.1104618140.1167962340.11416696390.12818117670.16039914661,212,389,000,00010,619,438,000,0000.11422701260.1103861863Impairments on financial assets to total operating income218Tier 1 capital ratio82013061Tier 1 capital ratioFR0.1274635962833sumpctpoi0.13474016040.13785922610.0576356327000000.01437277100.011977654400.02356234120.02247366580.02202532970.02213190880.01319457190.01064381690Tier 1 capital ratio2011122011121Tier 1 capital ratio0.00047434780.09380822570.10897897660.10555040560.11129691840.1280454420.16006517511,199,730,900,00010,779,552,000,0000.11069477470.1047670183Return on equity229Tier 1 capital ratio92013061Tier 1 capital ratio60.12512743339131sumpctpoi0.89320259250.89318715350.86418367860.7834267230.6244275440.61570520990.62181702040.63317421220.4898265890.6108514520.6022126050.60894118210.61162600050.60421765470.60908427070.6327930150.59098373160.59547608020.5738433056Tier 1 capital ratio2012032012031Tier 1 capital ratio-0.0100847820.09758048710.11389825730.10901052570.11593677760.12964248560.16036191161,211,600,500,00010,450,528,000,0000.12173728040.1131351105Cost-income ratio2410Tier 1 capital ratio102013061Tier 1 capital ratio110.119428629710132sumpctpoi0.09346913390.09380269370.11992175240.18786202710.32543970890.30376108240.2983040440.24647395490.42710110050.30037118320.30183164420.30062220270.2795051560.27778148940.27107550680.24791507730.28229813410.28072950440.2879444967Tier 1 capital ratio2012062012061Tier 1 capital ratio0.06387802960.10441116830.11668541350.11806044940.11988395230.13292062120.16169848771,250,089,500,00010,427,496,000,0000.12672700720.1144071034Net interest income to total operating income2611Tier 1 capital ratio112013061Tier 1 capital ratioIT0.118292956411133sumpctpoi0.01332827360.01301015280.0158945690.02871124990.05013274710.08053370770.07987893560.12035183290.08307231050.08877736480.09595575080.09043661520.10886884360.11800085590.11984022250.11929190780.12671813430.12379441540.1382121977Tier 1 capital ratio2012092012091Tier 1 capital ratio0.05389585560.10339566890.11701776370.11900179440.1225465080.13368679820.15946361011,267,961,500,00010,346,778,000,0000.12739130430.1144623876Net fee and commission income to total operating income2712Tier 1 capital ratio122013061Tier 1 capital ratio70.115355045112141sumpctpoi0.3199903490.30156546780.42833648620.4324723850.31218173770.27575889370.35175417840.27419035140.28010467170.24750208610.23353671250.21761925860.24002287130.24385386050.24358371320.34754856410.29136842490.37757502880.3684057473Tier 1 capital ratio2012122012121Tier 1 capital ratio0.05246795190.10528083680.1167420360.12149198040.12467747390.13504622760.17405364821,254,452,900,00010,061,584,000,0000.12614824640.1117954248Net income to total operating income3313Tier 1 capital ratio132013061Tier 1 capital ratioGR0.114515942113142sumpctpoi0.65742207840.66038176620.53150543380.53937968920.67084294050.70805430290.63186448690.6972421220.60980405880.7233079520.73816810140.75568366550.62983331440.62326098590.62644893010.51808410870.57718405330.49189756560.491653162Tier 1 capital ratio2013032013031Tier 1 capital ratio0.08880544040.10764553690.11645257040.12532278050.12358640040.13446558080.16739815831,243,062,000,00010,058,243,000,0000.12537997130.1150240119Loan-to-deposit ratio3414Tier 1 capital ratio142013061Tier 1 capital ratioSE0.111992083914143sumpctpoi0.02258757260.0380527660.040158080.02814792580.01697532180.01618680350.01638133470.02856752660.11009126940.02918996180.02829518610.02669707590.13014381430.13288515360.12996735670.13436732730.13144752180.13052740560.1399410907Tier 1 capital ratio2013062013061Tier 1 capital ratio0.09083431990.1111990720.11981773210.12910223750.12624511220.13819756440.17384618461,239,811,100,0009,820,665,900,0000.12583893840.1194286297Customer deposits to total liabilities3515Tier 1 capital ratio152013061Tier 1 capital ratio100.110211484815201sumpctpoi0.69620990380.62686799710.40876791070.40699608090.28578122610.3821778680.38859211850.37851120480.37991579730.36650248570.39527774210.415074680.40729598790.42387806040.42179767770.41320596480.41967651490.42213902390.41331076Total capital ratio2009122009122Total capital ratio0.10142576570.11537015640.12504956820.12910760980.12974355770.14013415470.1778167331,250,618,900,0009,639,159,700,0000.12808798540.1244167074Tier 1 capital to (total assets - intangible assets)3616Tier 1 capital ratio162013061Tier 1 capital ratio90.109875629816202sumpctpoi0.21267172240.28423660730.49001225140.4803978720.58901876720.49383758350.48792303850.46396110630.500684340.51029156850.47616450460.45393142630.41549697730.40099441970.40556013150.39163512960.3690053720.36881116640.3762426836Total capital ratio2010032010032Total capital ratio0.09804980360.11243688110.1258779130.12883475140.1289474880.13941827980.17876408471,307,126,400,00010,136,889,000,0000.12550166450.125877913Debt-to-equity ratio4517Tier 1 capital ratio172013061Tier 1 capital ratioES0.10702646317203sumpctpoi0.09111837380.08889539560.10121983790.11260604710.12520000670.12398454850.1234848430.15752768890.11939986270.12320594580.12855775330.13099389370.17720703490.17512751990.17264219080.19515890560.21131811310.20904980970.2104465565Total capital ratio2010062010062Total capital ratio0.09655230280.11386809560.12199092250.12638712440.12887089880.13997889690.17170147131,331,689,800,00010,333,518,000,0000.12666816720.1199891433Off-balance sheet items to total assets4618Tier 1 capital ratio182013061Tier 1 capital ratio80.105811691818211sumpctpoi4.08E-030.07186821510.00E+000.01646805120.00938719640.09373747290.08773108460.09682383740.09724721910.21278506470.07024918290.02833664790.02626831560.13999737660.04859345680.05589738140.05531362970.13781629770.114961471Total capital ratio2010092010092Total capital ratio0.09848233090.114941070.12363243240.129167430.1311039730.14585154130.17379639771,325,150,800,00010,107,633,000,0000.12850434830.1229948209Tier 1 capital ratio192013061Tier 1 capital ratio30.085356785119212sumpctpoi0.48229056580.21663176990.1954090330.16622310690.19344097740.5274247230.47249238970.49781234920.48383352210.42683873810.51566810850.53871467330.52396249460.4284383090.58487184010.62132617290.60164334920.62215052410.6227976288Total capital ratio2010122010122Total capital ratio0.10204812080.11707110750.12763374580.13904661880.13495055230.1487993580.1840775121,353,290,000,00010,028,043,000,0000.13593386720.1266762922Tier 1 capital ratio202013061Tier 1 capital ratio13.20213sumpctpoi0.51362516940.7115000150.8045909670.81730884190.79717182630.37883780410.43977652570.40536381340.41891925870.36037619730.41408270850.43294867890.44976918990.43156431440.36653470310.32277644570.34304302110.24003317820.2622409002Total capital ratio2011032011032Total capital ratio0.10652448230.11811971980.13297094160.14343946550.13683982590.1496820380.18205016491,341,424,400,0009,802,880,100,0000.14005900290.1325407787Tier 1 capital ratio992013061Tier 1 capital ratioEU0.119817732199221sumpctpoi0.04389427480.15882950550.09238476160.0814260940.06229711310.04056719680.03525330310.034342180400.12467264130.01132641940.0064083560.00671685990.03927827180.01076797560.01084311230.01063921880.05316575190.0387170308Total capital ratio2011062011062Total capital ratio0.10144086460.11625345630.12985314820.14094174190.13589309440.15098018630.18763129881,414,506,000,00010,408,962,000,0000.13488814880.1256410154Total capital ratio12013062Total capital ratio50.21831697791222sumpctpoi0.21459386870.3238382880.32028229030.3159885680.30712002370.46928813090.50448491820.39518287070.42943453910.52562382870.51599958480.40110112930.3655391440.33797036240.29398536030.27534282910.24301121650.33845041130.2710579859Total capital ratio2011092011092Total capital ratio0.09512556120.11417934930.12803805410.14009667750.13538014210.15099482860.19606995671,437,661,100,00010,619,438,000,0000.12873274030.1271219512Total capital ratio22013062Total capital ratio120.20552424242223sumpctpoi0.74151185650.51733220640.58733294820.6025853380.63058286320.49014467230.46026177870.57047494890.57056546090.349703530.47267399580.59249051470.6277439960.62275136580.69524666420.71381405860.74634956460.60838383670.6902249833Total capital ratio2011122011122Total capital ratio0.00501544390.1128907410.12804954330.12855177030.13145661510.1501002030.18871444571,417,043,400,00010,779,552,000,0000.13243268140.1264976415Total capital ratio32013062Total capital ratioDE0.18853132043241sumpctpoi0.02595664130.09659618430.1029198150.09553629430.09433335130.09495596080.02284759320.02173734360.02281705480.02092408890.01913545170.02809882240.02468112170.0162551780.02689843060.02778260950.02825971110.10824094340.1219229122Total capital ratio2012032012032Total capital ratio-0.008746250.1149011660.13872371540.13112319970.13569609830.15437677380.18760173571,418,095,900,00010,450,528,000,0000.13923498110.1382124497Total capital ratio42013062Total capital ratio20.17799273954242sumpctpoi0.33590961460.59100130070.58460278010.72003473890.68734147990.73299088770.80714239630.79320322060.68087804430.67622198980.63459590390.70608698580.65741396440.6053939740.48930313370.55644012540.46312018910.40313259210.50534715Total capital ratio2012062012062Total capital ratio0.06992194110.12041671520.14077375780.13913442930.13854577820.15760129650.189677181,444,685,600,00010,427,496,000,0000.14073628170.1408112339Total capital ratio52013062Total capital ratio110.16616491815243sumpctpoi0.63813374410.3124025150.31247740490.18442896680.21832516880.17205315160.17001001050.18505943580.29630490090.30285392130.34626864440.26581419180.31790491390.37835084810.48379843580.41577726510.50862009990.48862646460.3727299377Total capital ratio2012092012092Total capital ratio0.06227921920.11980047990.14015665590.13965782220.14119917010.1575992140.19119939651,460,956,500,00010,346,778,000,0000.1410234660.1399710925Total capital ratio62013062Total capital ratioGB0.16490289446341sumpctpoi0.0155519290.01324244380.0919490990.09677872410.09614591140.09004248930.09405803030.10146924680.09433121520.09826391830.09408725510.09187019030.09612304650.09240712340.0955538720.09575369770.09641595030.09634569220.0195104617Total capital ratio2012122012122Total capital ratio0.09022376070.1212171410.1391307220.14301007980.14413595140.1620874380.19658574781,450,236,000,00010,061,584,000,0000.1451990380.1381072313Total capital ratio72013062Total capital ratio10.15562798997342sumpctpoi0.25685534670.41151896630.26970302750.34650610130.37908585660.39084459370.39076959150.38607059050.42036689930.41353423030.40052466470.36200887680.46096605270.46356175370.4681899870.54284979230.53605650280.52264793310.610750855Total capital ratio2013032013032Total capital ratio0.09576454880.12586849270.14472551630.15018912730.14790691770.1634332250.19890502381,487,683,700,00010,058,243,000,0000.14672452070.142785591Total capital ratio82013062Total capital ratio100.15522917648343sumpctpoi0.72759272440.57523858990.63834787340.55671517450.52476823190.5191129170.51517237820.51246016270.48530188560.48820185140.50538808010.54612093290.44291090090.44403112290.43625614090.361396510.3675275470.38100637470.3697386833Total capital ratio2013062013062Total capital ratio0.10007691170.13290356140.14781068150.15374485490.15104121120.16847550060.20606026631,483,325,300,0009,820,665,900,0000.15219520580.1412111394Total capital ratio92013062Total capital ratioFR0.15219520589361sumpctpoi0.00435433150.0110297410.01458346570.02253443780.02257797410.02194367190.01700747810.01671442340.01662549250.0308328060.04382782310.026581080.04631808240.01383109380.02039788120.02021894230.02089902760.03200799880.0325888772Tier 1 ratio (excluding hybrid instruments)2009122009123Tier 1 ratio (excluding hybrid instruments)0.05838702670.0714033130.08605839310.08971392570.08951387530.10704928480.1333787016862,838,540,2129,639,159,700,0000.09458094530.0767739349Total capital ratio102013062Total capital ratioIT0.145789898910362sumpctpoi0.21625476940.30228610760.38087588180.38658504040.48090822580.5527614380.55802142760.57948264870.66194415390.66102430380.72929632640.54035637360.5196611370.5536004630.64739370120.65418499520.66785222390.65596581420.6972760918Tier 1 ratio (excluding hybrid instruments)2010032010033Tier 1 ratio (excluding hybrid instruments)0.06321457710.07334187820.08455492060.09203599730.09028669370.10770651250.1398625351915,226,214,81910,136,889,000,0000.09592380730.0792059558Total capital ratio112013062Total capital ratio40.137660232511363sumpctpoi0.7793908990.68668415140.60454065250.59088052180.49651380.42529489010.42497109420.4038029280.32143035360.30814289020.22687585050.43306254640.43402078060.43256844320.33220841760.32559606250.31124874850.31202618710.2701350309Tier 1 ratio (excluding hybrid instruments)2010062010063Tier 1 ratio (excluding hybrid instruments)0.0608691180.07209630570.08636806550.0906064220.09204332730.10597001230.1244605563951,131,413,19910,333,518,000,0000.10031634570.0804184993Total capital ratio122013062Total capital ratio70.136597106612451sumpctpoi0.00817085510.00665757270.00699989670.01349846770.03105102840.00748709040.00752317670.00757494410.03492874530.03876948810.03017277220.03365413990.0126195720.00753841940.01014255770.01004185620.01026653450.01368591690.0122642354Tier 1 ratio (excluding hybrid instruments)2010092010093Tier 1 ratio (excluding hybrid instruments)0.05858523220.07392667860.09272742680.09250740660.09337150550.11084752550.1242238924943,764,888,78710,107,633,000,0000.10042456190.0854158138Total capital ratio132013062Total capital ratio90.135051101213452sumpctpoi0.25209995760.32208300190.3435928940.40075145210.53041874610.51349836470.41123740970.5162730110.52836461830.59838573230.60592339520.42990102310.42517863410.56309386430.4907602140.50114730150.55407273770.54216723050.5550421083Tier 1 ratio (excluding hybrid instruments)2010122010123Tier 1 ratio (excluding hybrid instruments)0.05199516450.07703147560.08505001490.09200926730.08990568110.10381572450.1364241298901,578,048,77010,028,043,000,0000.08937808320.0827489608Total capital ratio142013062Total capital ratio60.134617438514453sumpctpoi0.73972918730.67125942530.64940720930.58575008020.43853022550.4790145450.58123941360.4761520450.43670663650.36284477950.36390383250.5364448370.56220179390.42936771630.49909722840.48881084230.43566072770.44414685260.4326936563Tier 1 ratio (excluding hybrid instruments)2011032011033Tier 1 ratio (excluding hybrid instruments)0.05923360650.08161893640.0904527610.09713370210.09306736010.10892668820.1464823545912,328,174,0819,802,880,100,0000.09568120130.0893408625Total capital ratio152013062Total capital ratio80.120015367215461sumpctpoi0.17330622520.21434001010.19175338010.19520611280.21003287910.19333711370.19448981120.19681928960.20545753310.23040108120.21477516740.22036407660.19497506490.19489721970.19501250040.20330742820.2005116590.19895229360.1976879053Tier 1 ratio (excluding hybrid instruments)2011062011063Tier 1 ratio (excluding hybrid instruments)0.06017710110.07880579510.09347451140.09655346590.09312911980.10345495950.1437444769969,377,457,10110,408,962,000,0000.09648369490.0867029234Total capital ratio162013062Total capital ratioGR0.117433647316462sumpctpoi0.68717235610.60274272620.49287617820.40237450320.36311948780.45496566240.3916595320.37534284450.45910325510.4496453420.47387292880.60701199640.57282730840.56605961050.53817698210.56258090770.5653416570.56527247320.5058271624Tier 1 ratio (excluding hybrid instruments)2011092011093Tier 1 ratio (excluding hybrid instruments)0.06089879660.07969301860.09380612470.09741973510.09414038690.10564082230.1603991466999,718,032,99710,619,438,000,0000.09389986690.0937123825Total capital ratio172013062Total capital ratioES0.116421349817463sumpctpoi0.13952141870.18291726370.31537044170.4024193840.42684763310.35169722390.41385065680.42783786590.33543921180.31995357680.31135190380.1726239270.23219762670.23904316980.26681051750.23411166410.2341466840.23577523320.2964849323Tier 1 ratio (excluding hybrid instruments)2011122011123Tier 1 ratio (excluding hybrid instruments)-0.0362617850.08058917920.09355957320.0866964260.09239857190.10539997520.1600651751996,015,196,65810,779,552,000,0000.09600009970.093440051Total capital ratio182013062Total capital ratioSE0.114280528718Tier 1 ratio (excluding hybrid instruments)2012032012033Tier 1 ratio (excluding hybrid instruments)-0.040661750.08336808050.0998614990.09179462750.09795070960.11263107450.16036191161,023,636,600,00010,450,528,000,0000.0995812960.100141702Total capital ratio192013062Total capital ratio30.101446679919Tier 1 ratio (excluding hybrid instruments)2012062012063Tier 1 ratio (excluding hybrid instruments)0.04017577060.0932191780.10331363550.10112018470.10249297270.11171791330.16169848771,068,745,100,00010,427,496,000,0000.10222812810.1037945051Total capital ratio202013062Total capital ratio13.20Tier 1 ratio (excluding hybrid instruments)2012092012093Tier 1 ratio (excluding hybrid instruments)0.02707089160.09409693620.10509054970.10230759360.10518732430.11399394220.15946348011,088,349,900,00010,346,778,000,0000.10668079140.1043734714Total capital ratio992013062Total capital ratioEU0.147810681599Tier 1 ratio (excluding hybrid instruments)2012122012123Tier 1 ratio (excluding hybrid instruments)0.03558040150.0952350850.10684284550.10505597130.10775171350.11648047380.16149596151,084,152,900,00010,061,584,000,0000.10725813550.1066457844Tier 1 ratio (excluding hybrid instruments)12013063Tier 1 ratio (excluding hybrid instruments)50.20258817371Tier 1 ratio (excluding hybrid instruments)2013032013033Tier 1 ratio (excluding hybrid instruments)0.08524865020.09843012840.10687034370.11217405450.10786557020.12283273640.15019072731,084,938,100,00010,058,243,000,0000.10250718820.1100755559Tier 1 ratio (excluding hybrid instruments)22013063Tier 1 ratio (excluding hybrid instruments)120.15399323942Tier 1 ratio (excluding hybrid instruments)2013062013063Tier 1 ratio (excluding hybrid instruments)0.08535678510.10007691170.11056082870.11687813960.11138070020.12630815870.15399323941,093,832,600,0009,820,665,900,0000.10678958460.1109101726Tier 1 ratio (excluding hybrid instruments)32013063Tier 1 ratio (excluding hybrid instruments)20.14422064473Impaired loans and Past due (>90 days) loans to total loans20091220091213Impaired loans and Past due (>90 days) loans to total loans0.01048576530.03104981430.0492847010.07370703140.05083091470.0982070260.1972939557690,550,353,88813,585,244,000,0000.04096693740.0697869052Tier 1 ratio (excluding hybrid instruments)42013063Tier 1 ratio (excluding hybrid instruments)10.13680745184Impaired loans and Past due (>90 days) loans to total loans20100320100313Impaired loans and Past due (>90 days) loans to total loans0.00914259990.03137401170.05103234660.07342627220.05015513250.09906888730.1827876821689,381,300,27713,744,980,000,0000.03978242270.0720539442Tier 1 ratio (excluding hybrid instruments)52013063Tier 1 ratio (excluding hybrid instruments)DE0.13310444555Impaired loans and Past due (>90 days) loans to total loans20100620100613Impaired loans and Past due (>90 days) loans to total loans0.00936068970.03326065720.05392380190.0782051360.05127948130.10681429250.2387771834726,265,866,51214,162,894,000,0000.03984218640.0765495284Tier 1 ratio (excluding hybrid instruments)62013063Tier 1 ratio (excluding hybrid instruments)40.13260145076Impaired loans and Past due (>90 days) loans to total loans20100920100913Impaired loans and Past due (>90 days) loans to total loans0.00954949490.03400359140.05515422360.0828435580.05346366570.10917763070.2420068128768,442,584,43414,373,174,000,0000.04194548990.081785993Tier 1 ratio (excluding hybrid instruments)72013063Tier 1 ratio (excluding hybrid instruments)60.12512743337Impaired loans and Past due (>90 days) loans to total loans20101220101213Impaired loans and Past due (>90 days) loans to total loans0.00820561270.03049059550.05397065830.07856958310.05313028320.10498348520.1952637115761,301,828,31914,328,962,000,0000.04949094250.0711327446Tier 1 ratio (excluding hybrid instruments)82013063Tier 1 ratio (excluding hybrid instruments)110.1154085188Impaired loans and Past due (>90 days) loans to total loans20110320110313Impaired loans and Past due (>90 days) loans to total loans0.00792330560.02866949820.05363420930.08031625350.05195707170.11289012670.2061349973739,554,002,24914,233,943,000,0000.04261491330.0690901864Tier 1 ratio (excluding hybrid instruments)92013063Tier 1 ratio (excluding hybrid instruments)GB0.11181698789Impaired loans and Past due (>90 days) loans to total loans20110620110613Impaired loans and Past due (>90 days) loans to total loans0.00758455570.02546218970.0561399050.08330299580.05366777520.12370324280.2975294707810,873,470,84415,109,131,000,0000.03971945440.0758223681Tier 1 ratio (excluding hybrid instruments)102013063Tier 1 ratio (excluding hybrid instruments)FR0.111275586510Impaired loans and Past due (>90 days) loans to total loans20110920110913Impaired loans and Past due (>90 days) loans to total loans0.00710064220.02580221970.05608296020.0862301460.05361416960.13066402840.3161762805831,058,881,84415,500,732,000,0000.03818898870.078972906Tier 1 ratio (excluding hybrid instruments)112013063Tier 1 ratio (excluding hybrid instruments)IT0.110535300711Impaired loans and Past due (>90 days) loans to total loans20111220111213Impaired loans and Past due (>90 days) loans to total loans0.00670875430.02452941370.06379725670.09325207420.05831861340.14069751990.3143911297896,773,454,56015,377,140,000,0000.040535870.0771657855Tier 1 ratio (excluding hybrid instruments)122013063Tier 1 ratio (excluding hybrid instruments)100.110211484812Impaired loans and Past due (>90 days) loans to total loans20120320120313Impaired loans and Past due (>90 days) loans to total loans0.0074474780.02517372130.06730848820.09890145790.05927701190.1517709540.3261343817903,622,146,44915,244,057,000,0000.04116423590.0859462481Tier 1 ratio (excluding hybrid instruments)132013063Tier 1 ratio (excluding hybrid instruments)GR0.110115931613Impaired loans and Past due (>90 days) loans to total loans20120620120613Impaired loans and Past due (>90 days) loans to total loans0.00820547860.02801252450.06282464580.10205931530.06001337020.1583636240.3276759916929,114,227,49415,481,787,000,0000.04090597280.0835566175Tier 1 ratio (excluding hybrid instruments)142013063Tier 1 ratio (excluding hybrid instruments)90.108460459714Impaired loans and Past due (>90 days) loans to total loans20120920120913Impaired loans and Past due (>90 days) loans to total loans0.0090254190.02885788070.07312964630.1101703970.06311456790.16342349320.3463340676969,253,404,95415,357,047,000,0000.03890635930.0869913727Tier 1 ratio (excluding hybrid instruments)152013063Tier 1 ratio (excluding hybrid instruments)80.102607404615Impaired loans and Past due (>90 days) loans to total loans20121220121213Impaired loans and Past due (>90 days) loans to total loans0.00871196530.03141149750.05760426940.11140127140.06418557650.172548070.3637742261949,032,720,91214,785,763,000,0000.03950019660.0858590444Tier 1 ratio (excluding hybrid instruments)162013063Tier 1 ratio (excluding hybrid instruments)ES0.09968564316Impaired loans and Past due (>90 days) loans to total loans20130320130313Impaired loans and Past due (>90 days) loans to total loans0.00846474330.02950122980.06452620890.10971513510.0640629760.14148723470.3866385136960,102,809,90914,986,859,000,0000.03915365890.0920790633Tier 1 ratio (excluding hybrid instruments)172013063Tier 1 ratio (excluding hybrid instruments)SE0.099663689917Impaired loans and Past due (>90 days) loans to total loans20130620130613Impaired loans and Past due (>90 days) loans to total loans0.00881141510.03003314990.06482787780.11506618370.06672204160.14680456550.4081286046979,221,663,57414,676,135,000,0000.03937760890.0938401184Tier 1 ratio (excluding hybrid instruments)182013063Tier 1 ratio (excluding hybrid instruments)70.094752080918Coverage ratio (specific allowances for loans to total gross impaired loans)20091220091214Coverage ratio (specific allowances for loans to total gross impaired loans)0.17739744980.34039664270.40680138670.41360203640.41958865980.4897993440.6129445581259,969,651,266619,582,167,4810.45105937920.3704138234Tier 1 ratio (excluding hybrid instruments)192013063Tier 1 ratio (excluding hybrid instruments)30.085356785119Coverage ratio (specific allowances for loans to total gross impaired loans)20100320100314Coverage ratio (specific allowances for loans to total gross impaired loans)0.19308766940.34395764630.41283251230.41262877680.4184961710.48452793650.6074486401265,956,496,507635,505,208,7540.45179934090.3908963903Tier 1 ratio (excluding hybrid instruments)202013063Tier 1 ratio (excluding hybrid instruments)13.20Coverage ratio (specific allowances for loans to total gross impaired loans)20100620100614Coverage ratio (specific allowances for loans to total gross impaired loans)0.19661828810.34025842530.40866026960.41206481420.42014839920.49363634460.5843066941281,928,074,512671,020,227,7590.44748503960.3961273059Tier 1 ratio (excluding hybrid instruments)992013063Tier 1 ratio (excluding hybrid instruments)EU0.110560828799Coverage ratio (specific allowances for loans to total gross impaired loans)20100920100914Coverage ratio (specific allowances for loans to total gross impaired loans)0.20621415550.34511392430.41715053710.41380938660.42854046210.48275629410.5922725932303,562,512,379708,363,711,7860.44654887840.3932196833Impaired loans and Past due (>90 days) loans to total loans120130613Impaired loans and Past due (>90 days) loans to total loans30.45076364951Coverage ratio (specific allowances for loans to total gross impaired loans)20101220101214Coverage ratio (specific allowances for loans to total gross impaired loans)0.22342613840.33464111580.41777205560.41322434450.41677107620.49526946320.6003565574291,412,387,344699,214,518,4960.4426605240.3976840464Impaired loans and Past due (>90 days) loans to total loans220130613Impaired loans and Past due (>90 days) loans to total loans120.40812860462Coverage ratio (specific allowances for loans to total gross impaired loans)20110320110314Coverage ratio (specific allowances for loans to total gross impaired loans)0.21251009330.3421671390.4240402260.41668217940.42630948020.48293248940.5987636444293,381,051,599688,187,960,1660.43886158770.3992021908Impaired loans and Past due (>90 days) loans to total loans320130613Impaired loans and Past due (>90 days) loans to total loansGR0.3375515143Coverage ratio (specific allowances for loans to total gross impaired loans)20110620110614Coverage ratio (specific allowances for loans to total gross impaired loans)0.19593284030.33737143760.4124740080.40537525360.41433184070.46637736680.6065608589313,064,659,035755,589,187,9190.44240546140.3896553593Impaired loans and Past due (>90 days) loans to total loans420130613Impaired loans and Past due (>90 days) loans to total loans10.26092095344Coverage ratio (specific allowances for loans to total gross impaired loans)20110920110914Coverage ratio (specific allowances for loans to total gross impaired loans)0.19350985480.33658666860.41356172940.40672984870.40920342840.45598604130.6238036498317,178,885,698775,112,972,3860.45216913570.3912594444Impaired loans and Past due (>90 days) loans to total loans520130613Impaired loans and Past due (>90 days) loans to total loans90.21148415095Coverage ratio (specific allowances for loans to total gross impaired loans)20111220111214Coverage ratio (specific allowances for loans to total gross impaired loans)0.19919369280.34287960990.41175288710.41658817430.41221404820.48681637620.6552453204348,480,183,685845,386,481,1190.44554808160.3958771095Impaired loans and Past due (>90 days) loans to total loans620130613Impaired loans and Past due (>90 days) loans to total loansIT0.16064374776Coverage ratio (specific allowances for loans to total gross impaired loans)20120320120314Coverage ratio (specific allowances for loans to total gross impaired loans)0.19235418670.34473830210.4123694840.41191034930.41184958990.47957880720.6628318412349,647,195,832848,968,177,7570.43166524180.3990831858Impaired loans and Past due (>90 days) loans to total loans720130613Impaired loans and Past due (>90 days) loans to total loans100.14680456557Coverage ratio (specific allowances for loans to total gross impaired loans)20120620120614Coverage ratio (specific allowances for loans to total gross impaired loans)0.20058109140.35577946970.40861871640.41360000390.41501685870.4790658880.6485737779365,570,516,398880,857,027,1820.45819448640.3925959688Impaired loans and Past due (>90 days) loans to total loans820130613Impaired loans and Past due (>90 days) loans to total loans60.09103490968Coverage ratio (specific allowances for loans to total gross impaired loans)20120920120914Coverage ratio (specific allowances for loans to total gross impaired loans)0.21438102480.34834567140.40703394150.41328028420.4145178730.48884745790.6632626209377,634,189,646911,020,282,2140.45674863590.3810860929Impaired loans and Past due (>90 days) loans to total loans920130613Impaired loans and Past due (>90 days) loans to total loans110.09080741689Coverage ratio (specific allowances for loans to total gross impaired loans)20121220121214Coverage ratio (specific allowances for loans to total gross impaired loans)0.20888107860.34549377330.41379427330.41637253140.41990324760.48829563770.6099811469381,491,921,331908,523,388,4770.44795325910.4027153057Impaired loans and Past due (>90 days) loans to total loans1020130613Impaired loans and Past due (>90 days) loans to total loansES0.080611218710Coverage ratio (specific allowances for loans to total gross impaired loans)20130320130314Coverage ratio (specific allowances for loans to total gross impaired loans)0.21918525380.34163757320.43447416480.4212655010.42751379830.51062272980.612732037388,989,173,519909,886,827,1770.44188448470.4098885357Impaired loans and Past due (>90 days) loans to total loans1120130613Impaired loans and Past due (>90 days) loans to total loans20.049584622611Coverage ratio (specific allowances for loans to total gross impaired loans)20130620130614Coverage ratio (specific allowances for loans to total gross impaired loans)0.20509350590.33689001810.43618229820.41730831490.42756952860.50742936330.5982889698396,748,468,608927,915,677,0880.45287476580.4209145622Impaired loans and Past due (>90 days) loans to total loans1220130613Impaired loans and Past due (>90 days) loans to total loansFR0.036959622512Impaired financial assets to total assets20091220091218Impaired financial assets to total assets0.00103195330.00922334120.0177651720.03036942040.01589432420.03439672170.1006616825396,558,449,96024,949,689,000,0000.01240487630.0222800238Impaired loans and Past due (>90 days) loans to total loans1320130613Impaired loans and Past due (>90 days) loans to total loansGB0.035831124613Impaired financial assets to total assets20100320100318Impaired financial assets to total assets00.00982221920.01684220510.03045212090.01358152680.03385386970.112032156352,003,403,71225,917,808,000,0000.0114674320.0234761549Impaired loans and Past due (>90 days) loans to total loans1420130613Impaired loans and Past due (>90 days) loans to total loans70.030033149914Impaired financial assets to total assets20100620100618Impaired financial assets to total assets0.0004810340.01003753390.01812102340.03215753710.01508598060.0359504890.1026202558406,673,647,53526,957,058,000,0000.01236559810.0233638762Impaired loans and Past due (>90 days) loans to total loans1520130613Impaired loans and Past due (>90 days) loans to total loans80.024010708515Impaired financial assets to total assets20100920100918Impaired financial assets to total assets00.01148786360.01777244110.03221500220.01410952390.03831378740.1052246764380,728,305,83326,983,781,000,0000.01179320560.0234035577Impaired loans and Past due (>90 days) loans to total loans1620130613Impaired loans and Past due (>90 days) loans to total loansDE0.017936206616Impaired financial assets to total assets20101220101218Impaired financial assets to total assets0.00134836560.0117376920.01990713410.03217532040.01686136630.03857098120.1031252963438,832,955,07826,025,943,000,0000.01261205880.0249909628Impaired loans and Past due (>90 days) loans to total loans1720130613Impaired loans and Past due (>90 days) loans to total loansSE0.01645478417Impaired financial assets to total assets20110320110318Impaired financial assets to total assets00.01139037530.01861241190.03245717280.01596645030.03933701590.1124499743409,033,987,63425,618,342,000,0000.01226550120.027670956Impaired loans and Past due (>90 days) loans to total loans1820130613Impaired loans and Past due (>90 days) loans to total loans40.008811415118Impaired financial assets to total assets20110620110618Impaired financial assets to total assets00.00617237810.01926506150.03667049820.01728599280.04616003640.1673301476468,826,358,57827,121,749,000,0000.01280859670.0296615919Impaired loans and Past due (>90 days) loans to total loans1920130613Impaired loans and Past due (>90 days) loans to total loans13.19Impaired financial assets to total assets20110920110918Impaired financial assets to total assets00.00981433030.01957975010.04088822560.01677093370.05291279280.1737051806493,660,951,59529,435,508,000,0000.01148153830.0360910302Impaired loans and Past due (>90 days) loans to total loans2020130613Impaired loans and Past due (>90 days) loans to total loans5.20Impaired financial assets to total assets20111220111218Impaired financial assets to total assets0.00076933910.00959164020.02162021420.0441309140.01884080610.05603095320.1749737468539,986,220,77328,660,463,000,0000.01332728920.0321309552Impaired loans and Past due (>90 days) loans to total loans9920130613Impaired loans and Past due (>90 days) loans to total loansEU0.064827877899Impaired financial assets to total assets20120320120318Impaired financial assets to total assets00.01097847920.02054288060.04267834690.01820473010.0621673690.170716304515,045,095,32828,291,828,000,0000.01373987450.0359921385Coverage ratio (specific allowances for loans to total gross impaired loans)120130614Coverage ratio (specific allowances for loans to total gross impaired loans)110.58272337411Impaired financial assets to total assets20120620120618Impaired financial assets to total assets00.01160651060.02118146110.04343618710.01818706530.06617157860.1491141694529,203,106,88329,097,773,000,0000.0134283630.0371901909Coverage ratio (specific allowances for loans to total gross impaired loans)220130614Coverage ratio (specific allowances for loans to total gross impaired loans)FR0.54291931142Impaired financial assets to total assets20120920120918Impaired financial assets to total assets00.0108309230.02209173860.04665184790.01865210280.07227897560.1911623371546,661,531,42329,308,306,000,0000.01245220440.037836202Coverage ratio (specific allowances for loans to total gross impaired loans)320130614Coverage ratio (specific allowances for loans to total gross impaired loans)10.49246543263Impaired financial assets to total assets20121220121218Impaired financial assets to total assets00.0074878440.02175227340.04661449530.01943877060.07372263110.1599141715544,559,630,20928,014,098,000,0000.01413627870.0345662959Coverage ratio (specific allowances for loans to total gross impaired loans)420130614Coverage ratio (specific allowances for loans to total gross impaired loans)20.47344451734Impaired financial assets to total assets20130320130318Impaired financial assets to total assets00.00700860740.02334098250.04642246370.0195479070.07702645030.1647390393548,432,241,71728,055,804,000,0000.01387948390.0295979148Coverage ratio (specific allowances for loans to total gross impaired loans)520130614Coverage ratio (specific allowances for loans to total gross impaired loans)ES0.47330227895Impaired financial assets to total assets20130620130618Impaired financial assets to total assets0.00272733970.01184783620.02420181770.04957700340.02065622530.07841833990.1794283976557,162,432,90626,973,100,000,0000.01376429780.0329338278Coverage ratio (specific allowances for loans to total gross impaired loans)620130614Coverage ratio (specific allowances for loans to total gross impaired loans)60.45888696776Accumulated impairments on financial assets to total (gross) assets20091220091220Accumulated impairments on financial assets to total (gross) assets0.00398029620.00925345830.01475203230.01739344120.01299004980.02233140.0393966905328,363,159,54625,278,052,000,0000.01233438130.0190344548Coverage ratio (specific allowances for loans to total gross impaired loans)720130614Coverage ratio (specific allowances for loans to total gross impaired loans)GB0.44405634267Accumulated impairments on financial assets to total (gross) assets20100320100320Accumulated impairments on financial assets to total (gross) assets0.0020749750.00877992410.01492229960.01772929230.01233166040.02331106460.0444028808323,600,133,25126,241,408,000,0000.01225972030.0203018321Coverage ratio (specific allowances for loans to total gross impaired loans)820130614Coverage ratio (specific allowances for loans to total gross impaired loans)GR0.4435989658Accumulated impairments on financial assets to total (gross) assets20100620100620Accumulated impairments on financial assets to total (gross) assets0.00468739080.00877228940.01498453550.0184592150.01288767830.0230061070.0484156264351,949,699,58027,309,007,000,0000.01211948830.0210565706Coverage ratio (specific allowances for loans to total gross impaired loans)920130614Coverage ratio (specific allowances for loans to total gross impaired loans)IT0.42617925419Accumulated impairments on financial assets to total (gross) assets20100920100920Accumulated impairments on financial assets to total (gross) assets0.00440435590.00904518230.01592634520.01950120690.01309986560.02790312010.0497255936358,175,963,44427,341,957,000,0000.01258750990.0220332525Coverage ratio (specific allowances for loans to total gross impaired loans)1020130614Coverage ratio (specific allowances for loans to total gross impaired loans)DE0.3906049110Accumulated impairments on financial assets to total (gross) assets20101220101220Accumulated impairments on financial assets to total (gross) assets0.00406822280.00875152580.01707804970.01988950420.01361763920.02674974450.0520662513359,304,781,55726,385,248,000,0000.01345727110.0214343611Coverage ratio (specific allowances for loans to total gross impaired loans)1120130614Coverage ratio (specific allowances for loans to total gross impaired loans)30.386760993311Accumulated impairments on financial assets to total (gross) assets20110320110320Accumulated impairments on financial assets to total (gross) assets0.00409763050.00840786970.01636231990.02032032650.013663690.02946163160.0480371578354,885,356,78225,972,878,000,0000.01380765960.0226171674Coverage ratio (specific allowances for loans to total gross impaired loans)1220130614Coverage ratio (specific allowances for loans to total gross impaired loans)120.384319007612Accumulated impairments on financial assets to total (gross) assets20110620110620Accumulated impairments on financial assets to total (gross) assets0.00404873750.00779459670.0152251050.02118799530.01393041250.0294677320.071765215383,149,629,47527,504,543,000,0000.01395845020.0199391132Coverage ratio (specific allowances for loans to total gross impaired loans)1320130614Coverage ratio (specific allowances for loans to total gross impaired loans)80.348694097313Accumulated impairments on financial assets to total (gross) assets20110920110920Accumulated impairments on financial assets to total (gross) assets0.00373970220.00737715170.01512750370.02124992730.01311063750.0311123910.0524313498391,040,310,08829,826,186,000,0000.01367814040.0212649946Coverage ratio (specific allowances for loans to total gross impaired loans)1420130614Coverage ratio (specific allowances for loans to total gross impaired loans)SE0.336890018114Accumulated impairments on financial assets to total (gross) assets20111220111220Accumulated impairments on financial assets to total (gross) assets0.0026771390.00777952270.01606358690.03004566130.01554161740.03725064250.1082012994452,461,935,04629,112,925,000,0000.0147322720.0242642432Coverage ratio (specific allowances for loans to total gross impaired loans)1520130614Coverage ratio (specific allowances for loans to total gross impaired loans)70.307074941515Accumulated impairments on financial assets to total (gross) assets20120320120320Accumulated impairments on financial assets to total (gross) assets0.00327599630.00750541980.01600208120.02656767790.01478790190.03699883060.0947903146424,650,856,73728,716,099,000,0000.01146607610.0283796502Coverage ratio (specific allowances for loans to total gross impaired loans)1620130614Coverage ratio (specific allowances for loans to total gross impaired loans)100.301203681716Accumulated impairments on financial assets to total (gross) assets20120620120620Accumulated impairments on financial assets to total (gross) assets0.00339134580.00698961920.01661848910.02740850970.0149377770.0371208780.097913159441,241,376,75429,538,624,000,0000.0112437520.0296297088Coverage ratio (specific allowances for loans to total gross impaired loans)1720130614Coverage ratio (specific allowances for loans to total gross impaired loans)90.260344498817Accumulated impairments on financial assets to total (gross) assets20120920120920Accumulated impairments on financial assets to total (gross) assets0.00280531830.00672557420.01678971110.02919723970.01537588810.03752081030.1002567345457,672,158,08529,765,576,000,0000.01130877380.0319928086Coverage ratio (specific allowances for loans to total gross impaired loans)1820130614Coverage ratio (specific allowances for loans to total gross impaired loans)13.18Accumulated impairments on financial assets to total (gross) assets20121220121220Accumulated impairments on financial assets to total (gross) assets0.00267867690.00699901680.01765142120.03082429560.01584389440.03853080690.1130766707450,997,978,91528,465,096,000,0000.01205618920.0336696165Coverage ratio (specific allowances for loans to total gross impaired loans)1920130614Coverage ratio (specific allowances for loans to total gross impaired loans)5.19Accumulated impairments on financial assets to total (gross) assets20130320130320Accumulated impairments on financial assets to total (gross) assets0.00263770180.00740853210.01661115170.03050446320.01615704330.04000819410.1163072461460,743,080,89628,516,547,000,0000.01152719810.0341945566Coverage ratio (specific allowances for loans to total gross impaired loans)2020130614Coverage ratio (specific allowances for loans to total gross impaired loans)4.20Accumulated impairments on financial assets to total (gross) assets20130620130620Accumulated impairments on financial assets to total (gross) assets0.00282690830.00724843520.01795755450.03156769140.01686650350.04077040740.1203838178462,746,806,51827,435,847,000,0000.0111738190.0349126791Coverage ratio (specific allowances for loans to total gross impaired loans)9920130614Coverage ratio (specific allowances for loans to total gross impaired loans)EU0.436182298299Impairments on financial assets to total operating income20091220091221Impairments on financial assets to total operating income0.11001926780.20985995880.27424655970.44726454340.26593922820.41028771031.2055700042148,044,027,182556,683,676,1100.25107325280.2753721557Impaired financial assets to total assets120130618Impaired financial assets to total assets30.24076704831Impairments on financial assets to total operating income20100320100321Impairments on financial assets to total operating income0.03250392010.15491211980.20444841870.29936053010.17153666070.28080875170.430373417725,295,177,197147,462,222,2910.1750458510.2258817007Impaired financial assets to total assets220130618Impaired financial assets to total assets120.19400892262Impairments on financial assets to total operating income20100620100621Impairments on financial assets to total operating income0.04707782440.1750458510.23272127950.36785055140.20059233720.33517126560.884982488458,143,299,009289,858,026,5510.1750458510.2707002205Impaired financial assets to total assets320130618Impaired financial assets to total assetsGR0.13843183063Impairments on financial assets to total operating income20100920100921Impairments on financial assets to total operating income0.03250392010.14515141290.2112416560.31684145430.18182597090.3157414160.523317805178,595,200,719432,255,086,0790.16829409940.2395262775Impaired financial assets to total assets420130618Impaired financial assets to total assets90.11536101354Impairments on financial assets to total operating income20101220101221Impairments on financial assets to total operating income0.04707782440.15459039450.23937442370.37043407930.19379095180.31332608571.024191593112,399,582,766580,004,286,5990.16488681370.2564316515Impaired financial assets to total assets520130618Impaired financial assets to total assets10.09256572845Impairments on financial assets to total operating income20110320110321Impairments on financial assets to total operating income-0.1503335280.07373671870.15655336650.15801731830.13779755890.25887893510.48026256320,117,875,559145,995,877,6780.11745158430.1682985944Impaired financial assets to total assets620130618Impaired financial assets to total assetsIT0.07091448216Impairments on financial assets to total operating income20110620110621Impairments on financial assets to total operating income0.02549791560.10045456890.20227900470.29848743270.17913436490.32028519971.197291787354,270,922,505302,962,095,2340.13726754530.2066548558Impaired financial assets to total assets720130618Impaired financial assets to total assets60.03853727447Impairments on financial assets to total operating income20110920110921Impairments on financial assets to total operating income0.02330775310.14660838150.21622441880.61557336440.20257746630.36881493491.26045930988,800,571,923438,353,650,8430.15890180580.2554907196Impaired financial assets to total assets820130618Impaired financial assets to total assets100.03169132038Impairments on financial assets to total operating income20111220111221Impairments on financial assets to total operating income0.02619059020.1482126850.26227507820.74676180220.26679665340.56849438533.6796732286156,449,127,113586,398,386,6140.16114599770.2902079471Impaired financial assets to total assets920130618Impaired financial assets to total assets110.02735567759Impairments on financial assets to total operating income20120320120321Impairments on financial assets to total operating income0.02209314390.08350807680.19664337170.07583976720.17878748990.32075178381.11461119625,594,933,635143,158,414,7990.11152640150.2320971823Impaired financial assets to total assets1020130618Impaired financial assets to total assetsES0.026899254610Impairments on financial assets to total operating income20120620120621Impairments on financial assets to total operating income0.0103717430.09932627550.18662986960.40827185530.24609180680.39763612431.879435253568,153,528,033276,943,507,0160.13487868620.249109323Impaired financial assets to total assets1120130618Impaired financial assets to total assets20.016128938511Impairments on financial assets to total operating income20120920120921Impairments on financial assets to total operating income0.00174286660.10415877070.20911442460.46800839910.24853136280.44413356232.370341750699,318,489,018399,621,552,3550.14159862230.236316513Impaired financial assets to total assets1220130618Impaired financial assets to total assetsGB0.015504567512Impairments on financial assets to total operating income20121220121221Impairments on financial assets to total operating income0.0226130780.10785290120.22359778850.54558924660.26973232070.55969056062.4817134009147,726,251,431547,677,234,3730.14547881230.2815856103Impaired financial assets to total assets1320130618Impaired financial assets to total assets70.013764297813Impairments on financial assets to total operating income20130320130321Impairments on financial assets to total operating income0.01077586210.09002416440.1922701840.25322421870.17215894240.28994020210.85647973724,956,826,600144,963,870,3150.13065249370.2238315377Impaired financial assets to total assets1420130618Impaired financial assets to total assetsFR0.012134101814Impairments on financial assets to total operating income20130620130621Impairments on financial assets to total operating income0.01503097380.09968101120.18958856310.27177603580.18740591440.30036705340.890810879352,325,736,998279,210,702,4980.14583986640.2312615007Impaired financial assets to total assets1520130618Impaired financial assets to total assetsSE0.007229234715Return on equity20091220091222Return on equity-0.277236861-0.0052156670.0539146168-0.0103485010.04548621260.09093799220.141900312351,547,259,5831,133,250,200,0000.05048498110.0539146168Impaired financial assets to total assets1620130618Impaired financial assets to total assetsDE0.003485941216Return on equity20100320100322Return on equity-0.0331539770.03009623290.06152345930.06550824690.01852056210.11050296440.170668062123,848,127,2651,287,656,800,0000.07199309230.0615234593Impaired financial assets to total assets1720130618Impaired financial assets to total assets13.17Return on equity20100620100622Return on equity-0.0669285950.03018468070.06341835360.05415559450.03640268260.10803166860.148378095347,581,592,7911,307,090,300,0000.08448803520.0606283068Impaired financial assets to total assets1820130618Impaired financial assets to total assets5.18Return on equity20100920100922Return on equity-0.0692458590.02995937560.05695218540.05022821120.0503472330.0998597320.14219209665,793,702,0451,306,798,800,0000.07401277230.0527080287Impaired financial assets to total assets1920130618Impaired financial assets to total assets4.19Return on equity20101220101222Return on equity-0.1471778610.01730744350.05376923130.02497415820.05915676980.09461712990.138979953377,926,456,4611,317,287,200,0000.07380750450.0434932754Impaired financial assets to total assets2020130618Impaired financial assets to total assets8.20Return on equity20110320110322Return on equity-0.0304563050.05207766130.08307147740.09512864540.02065304340.12640456340.183901416729,423,765,5671,424,669,700,0000.09737675380.0773423195Impaired financial assets to total assets9920130618Impaired financial assets to total assetsEU0.024201817799Return on equity20110620110622Return on equity-0.2473620680.02757623470.07100414220.05124800180.03541645420.11712493050.152241354250,537,308,2041,426,944,300,0000.08417526050.0617781006Accumulated impairments on financial assets to total (gross) assets120130620Accumulated impairments on financial assets to total (gross) assets30.13197181621Return on equity20110920110922Return on equity-0.371524272-0.00655180.0522995220.0044242290.03644855110.09405495660.130549487852,264,941,7171,433,937,400,0000.06734898840.03652584Accumulated impairments on financial assets to total (gross) assets220130620Accumulated impairments on financial assets to total (gross) assets120.10802194482Return on equity20111220111222Return on equity-1.787650719-0.1571839740.0273498744-0.34708788-0.0000367390.07786185320.1257451948-51,586,0691,404,136,900,0000.06150359880.0089073322Accumulated impairments on financial assets to total (gross) assets320130620Accumulated impairments on financial assets to total (gross) assetsGR0.098023793Return on equity20120320120322Return on equity-0.1725188020.01847999970.06531969450.03241735180.0139629910.11527964420.342901470119,513,686,9141,397,529,100,0000.06410109420.0679805493Accumulated impairments on financial assets to total (gross) assets420130620Accumulated impairments on financial assets to total (gross) assets10.09117814014Return on equity20120620120622Return on equity-2.846924503-0.00895880.0530371135-0.3449079910.01691389950.08872860540.140656029123,845,026,4171,409,788,800,0000.05578776120.0340169149Accumulated impairments on financial assets to total (gross) assets520130620Accumulated impairments on financial assets to total (gross) assetsIT0.04298482635Return on equity20120920120922Return on equity-3.670783482-0.0150120610.0384044088-0.3520549590.01940742340.08435560210.134175697927,653,559,9001,424,896,000,0000.04237353510.0303871441Accumulated impairments on financial assets to total (gross) assets620130620Accumulated impairments on financial assets to total (gross) assets90.04076173036Return on equity20121220121222Return on equity-0.720156151-0.0651815660.0264103805-0.2457242480.00483889540.0724974940.13976034046,907,796,2741,427,556,400,0000.0228920290.0295344519Accumulated impairments on financial assets to total (gross) assets720130620Accumulated impairments on financial assets to total (gross) assets110.03591398287Return on equity20130320130322Return on equity-0.1204836550.02390214040.06622407620.13920149850.02325535050.12031612490.309098814334,254,673,1371,472,980,300,0000.06596375580.0664843965Accumulated impairments on financial assets to total (gross) assets820130620Accumulated impairments on financial assets to total (gross) assets60.03526049618Return on equity20130620130622Return on equity-0.1356344270.02241404970.06601711550.08628252670.03840168630.1042831990.480558901756,206,938,7071,463,658,100,0000.06772202290.0643122081Accumulated impairments on financial assets to total (gross) assets920130620Accumulated impairments on financial assets to total (gross) assetsES0.03232021739Cost-income ratio20091220091224Cost-income ratio0.32894025570.47186686580.57820080810.57523953040.55248730690.64320934790.8900770713307,560,665,012556,683,676,1100.58570551150.5365558798Accumulated impairments on financial assets to total (gross) assets1020130620Accumulated impairments on financial assets to total (gross) assetsFR0.014571018610Cost-income ratio20100320100324Cost-income ratio0.31006234320.46940944450.55136723640.62203802310.53291947520.62067547740.751825409778,585,490,110147,462,222,2910.6054744210.5232991352Accumulated impairments on financial assets to total (gross) assets1120130620Accumulated impairments on financial assets to total (gross) assets20.014201011811Cost-income ratio20100620100624Cost-income ratio0.33048483130.49106838520.55972832250.63265435070.54631481670.62171698880.805746029158,353,734,644289,858,026,5510.59185306250.5284320835Accumulated impairments on financial assets to total (gross) assets1220130620Accumulated impairments on financial assets to total (gross) assets100.013475897612Cost-income ratio20100920100924Cost-income ratio0.35698353610.48692079480.5769570760.64035913260.55625493230.63290595650.7994013613240,444,023,627432,255,086,0790.62202625480.5508833052Accumulated impairments on financial assets to total (gross) assets1320130620Accumulated impairments on financial assets to total (gross) assetsDE0.00929559213Cost-income ratio20101220101224Cost-income ratio0.36528401480.47921851330.56998400820.64083433370.56114155490.63834358330.7968458521325,464,507,205580,004,286,5990.63571715980.5487159361Accumulated impairments on financial assets to total (gross) assets1420130620Accumulated impairments on financial assets to total (gross) assets70.007042502214Cost-income ratio20110320110324Cost-income ratio0.34422828320.49565669620.56317235950.57860845250.59488982750.6317673061.040338579586,851,462,488145,995,877,6780.60717997740.5279595525Accumulated impairments on financial assets to total (gross) assets1520130620Accumulated impairments on financial assets to total (gross) assetsGB0.006739957115Cost-income ratio20110620110624Cost-income ratio0.33931790830.49678568950.5727683660.56509236960.5819620760.63847544880.7441129811176,312,449,904302,962,095,2340.61374613210.546442254Accumulated impairments on financial assets to total (gross) assets1620130620Accumulated impairments on financial assets to total (gross) assets80.005645427416Cost-income ratio20110920110924Cost-income ratio0.31712683160.50979619580.58602454790.80013557110.59595959020.63864409641.1300647508261,241,062,114438,353,650,8430.62699904510.5666238943Accumulated impairments on financial assets to total (gross) assets1720130620Accumulated impairments on financial assets to total (gross) assets40.004252155817Cost-income ratio20111220111224Cost-income ratio0.29690299480.51994104210.60699935150.61966256840.60081529710.65154484181.045932944352,317,120,852586,398,386,6140.63282684140.5936831425Accumulated impairments on financial assets to total (gross) assets1820130620Accumulated impairments on financial assets to total (gross) assetsSE0.003266982218Cost-income ratio20120320120324Cost-income ratio0.38379749610.48128375420.57085501660.66181396280.60551580080.68292488561.098624087386,684,682,180143,158,414,7990.64062912790.5589599439Accumulated impairments on financial assets to total (gross) assets1920130620Accumulated impairments on financial assets to total (gross) assets13.19Cost-income ratio20120620120624Cost-income ratio0.3238273840.5040086970.6085495330.65159847210.59667033730.71028866631.6447535636165,243,975,746276,943,507,0160.66506608130.5722564022Accumulated impairments on financial assets to total (gross) assets2020130620Accumulated impairments on financial assets to total (gross) assets5.20Cost-income ratio20120920120924Cost-income ratio0.32073293740.51350081310.63043552190.65486719830.60790808510.70251674471.1804563326242,933,172,639399,621,552,3550.65905066850.6093774848Accumulated impairments on financial assets to total (gross) assets9920130620Accumulated impairments on financial assets to total (gross) assetsEU0.017957554599Cost-income ratio20121220121224Cost-income ratio0.30753035850.52484599870.63085841330.69312776260.63171056870.71625985071.14265177345,973,497,210547,677,234,3730.67350737710.5982484835Impairments on financial assets to total operating income120130621Impairments on financial assets to total operating income10.8847509851Cost-income ratio20130320130324Cost-income ratio0.25492388720.5115510050.61591137670.62940325460.57370377270.70904766521.229588764483,166,319,308144,963,870,3150.66132613090.5921486443Impairments on financial assets to total operating income220130621Impairments on financial assets to total operating income30.71120999622Cost-income ratio20130620130624Cost-income ratio0.29140044640.48227346310.61245764740.60186501270.57473935050.7456904320.8503340466160,473,377,818279,210,702,4980.64292622730.6020100276Impairments on financial assets to total operating income320130621Impairments on financial assets to total operating income90.64485507653Net interest income to total operating income20091220091226Net interest income to total operating income0.4060941380.5283554340.64088038360.67089523820.57921616280.74141813580.9513785091322,440,182,761556,683,676,1100.55678016180.6567063425Impairments on financial assets to total operating income420130621Impairments on financial assets to total operating incomeGR0.58611727934Net interest income to total operating income20100320100326Net interest income to total operating income0.42756791240.53154137180.61941634350.72680480740.56188719470.72495590090.999938368782,857,134,414147,462,222,2910.51970396810.6544816195Impairments on financial assets to total operating income520130621Impairments on financial assets to total operating incomeIT0.28335133675Net interest income to total operating income20100620100626Net interest income to total operating income0.44699968340.52251924870.61609938170.73291205660.58568995350.72230142880.9674063738169,766,934,096289,858,026,5510.52703031020.670057591Impairments on financial assets to total operating income620130621Impairments on financial assets to total operating incomeES0.28186906326Net interest income to total operating income20100920100926Net interest income to total operating income0.42844998740.53154137180.62832799880.739793450.58346339750.77065601630.9863997525252,205,021,105432,255,086,0790.52033124090.6757172499Impairments on financial assets to total operating income720130621Impairments on financial assets to total operating income120.25818940727Net interest income to total operating income20101220101226Net interest income to total operating income0.42890976610.51904134520.6249079620.72996875350.58025719930.73579646620.939319569336,551,662,946580,004,286,5990.52721851660.6787790053Impairments on financial assets to total operating income820130621Impairments on financial assets to total operating income110.20880713278Net interest income to total operating income20110320110326Net interest income to total operating income0.37194375330.49044803530.59879470840.64112953590.57235832260.78625331330.947163849783,561,955,652145,995,877,6780.51870273310.6394125209Impairments on financial assets to total operating income920130621Impairments on financial assets to total operating income60.194519889Net interest income to total operating income20110620110626Net interest income to total operating income0.40556526970.50426736540.62802030150.63777520620.57382600480.75379321460.9127101915173,847,528,718302,962,095,2340.50840678010.6530541496Impairments on financial assets to total operating income1020130621Impairments on financial assets to total operating incomeGB0.184927482610Net interest income to total operating income20110920110926Net interest income to total operating income0.3890126460.5248630480.64976443080.90223229980.60342099960.75200349381.2293316832264,511,798,153438,353,650,8430.54821211610.6797048043Impairments on financial assets to total operating income1120130621Impairments on financial assets to total operating income70.150915992211Net interest income to total operating income20111220111226Net interest income to total operating income0.37912752240.54202676940.63545978730.67776176430.61044877590.76573654421.0293796349357,966,177,282586,398,386,6140.55947647420.6779075565Impairments on financial assets to total operating income1220130621Impairments on financial assets to total operating incomeFR0.108952412712Net interest income to total operating income20120320120326Net interest income to total operating income0.41611325060.51734175050.6385563240.72046045160.61201087020.74202670371.086497126187,614,506,016143,158,414,7990.58307670970.6608682713Impairments on financial assets to total operating income1320130621Impairments