Spreadsheet: 3dffe395-4a88-443e-ae1d-505389d80b19
Sheet: PL

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 | CONSOLIDATED P&L
 | CONSOLIDATED INCOME STATEMENT | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | FY 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | FY 2012
 | (million €)
 | Net interest income | 303.4191650799999 | 314.2879361799999 | 298.4564873100006 | 256.4516576299993 | 1172.6152462 | 235.2244799499999 | 173.1458500500001 | 312.125958 | 307.0237279999999 | 1027.520016
 | Net fee and commission income | 48.36415079 | 50.66076356999999 | 46.73198859999999 | 52.02114932000001 | 197.77805228 | 45.80097341 | 43.42028259 | 51.24973000000001 | 77.117624 | 217.58861
 | Dividend income | 0.15114169 | 2.93419387 | 0.2548182400000001 | 1.411745630000001 | 4.751899430000001 | 0.08411945 | 1.85305755 | 3.725539 | 1.632085 | 7.294801000000001
 | Net trading income & gains less losses from inv. securities | 12.61265367 | 12.24285538 | 109.56589894 | -243.14040799 | -108.719 | 99.143 | 113.586754 | -5.50031000000001 | 428.2608700000001 | 635.4903140000001
 | Other operating income | 12.65999128 | 13.07518082 | 14.97825236 | -84.9207078 | -44.20728334 | 14.0927534 | -19.8655214 | 19.960249 | 315.197978 | 329.385459
 | Total Net Revenues | 377.2071025099999 | 393.2009298199999 | 469.9874454500007 | -18.17656321000072 | 1222.21891457 | 394.3453262099999 | 312.1404227900002 | 381.561166 | 1129.232285 | 2217.2792
 | Staff costs | 98.61338851000001 | 92.58392777999997 | 91.48890416000003 | 106.89820455 | 389.584425 | 84.39351638 | 85.37401362 | 108.525614 | 145.672951 | 423.966095
 | Administrative expenses | 71.04902713 | 84.27331138999999 | 82.72124021000002 | 98.55211550000004 | 336.59569423 | 65.06132652000001 | 81.96805447999999 | 87.06280199999998 | 145.181295 | 379.273478
 | Depreciation and amortization | 23.69522437 | 22.9132005 | 24.19464594999999 | 25.91684787000001 | 96.71991869 | 28.14979532 | 23.81755668 | 26.444809 | 26.975954 | 105.388115
 | (Profit) / loss on sale of property and equipment | 0.643 | 0.9750000000000001 | -0.9440000000000001 | -0.159 | 0.515 | -0.038 | 0.243562 | 0.299115 | 0.3451179999999999 | 0.849795
 | Operating Cost | 194.00064001 | 200.74543967 | 197.4607903200001 | 231.2081679200001 | 823.41503792 | 177.56663822 | 191.40318678 | 222.33234 | 318.1753180000001 | 909.477483
 | Share of profit of associates | -4.142 | -1.673 | -11.681 | -13.812 | -31.308 | -1.426 | -9.479567 | 27.364715 | -1.792986000000003 | 14.666162
 | Profit before Tax & Provisions | 179.0644624999998 | 190.7824901499999 | 260.8456551300006 | -263.1967311300008 | 367.4958766499999 | 215.3526879899999 | 111.2576690100002 | 186.593541 | 809.2639809999997 | 1322.467879
 | Impairment losses on loans | 170.572 | 200.68939876 | 550.35260124 | 633.3324162399999 | 1554.94641624 | 294.542 | 498.87291087 | 564.6272178 | 685.2664597600001 | 2043.30858843
 | Impairment losses on investment securities | 0.02165367 | 0.5368553799999999 | 31.99989894 | 301.53191045 | 334.09031844 | 1.61 | 58.64211345999999 | 0.4275821900000025 | 33.03354623000001 | 93.71324188
 | Impairment losses of fixed and other intangible assets | 0.295 | 0.27 | 0.277 | 83.319 | 84.161 | 0.145 | 36.055847 | 0.4622929999999954 | 22.965185 | 59.628325
 | PSI impairment Cost | 0 | 1004.928 | 75.47300000000007 | 4830.047372 | 5910.448372 | 311.2396836699999 | 0 | 0 | 0.005513919999998507 | 311.2451975899999
 | Profit before Tax | 8.175808829999875 | -1015.64176399 | -397.2568450499994 | -6111.427429820001 | -7516.15023003 | -392.18399568 | -482.3132023199998 | -378.92355199 | 67.99327608999963 | -1185.4274739
 | Income tax expense | 7.60941372 | -184.36890335 | -42.16929595 | -675.19681799 | -894.1256035700001 | -436.0559647 | -78.46022530000005 | -104.674524 | -43.91315099999997 | -663.103865
 | Non Controlling Interests | 0.02276315 | -7.83941099 | -0.2317899299999997 | 3.218845549999999 | -4.82959222 | -2.092 | -2.705783000000001 | -0.5061829999999992 | -3.681070130000001 | -8.985036130000001
 | Net Profit / (Loss) Attributable to Shareholders | 0.543631959999875 | -823.4334496500001 | -354.8557591699994 | -5439.44945738 | -6617.19503424 | 45.96396902000005 | -401.1471940199998 | -273.74284499 | 115.5874972199996 | -513.3385727700002
 | Net Profit / (Loss) attributable to Shareholders from discontinued operations | 0.97836803 | 0.96644965 | 1.04975919 | 0.82245737 | 3.81703424 | 1.21469272 | 1.46044368 | 10.548354 | -0.2202990000000007 | 13.0031914
 | Non Controlling Interests from discontinued operations | 0.03823685 | 0.02141099 | 0.01678993 | 0.01315445 | 0.08959222000000001 | 0.0186546 | 0.0213454 | 0.007 | 0 | 0.047
 | - ATEbank is included as of 27/7/2012
 | - Geniki Bank is included as of 14/12/2012
 | - Marathon Bank is characterized as discontinued operations (Balance sheet: 31/3/11-30/6/12, Income Statement: Q1'11-Q3'12)
 | - ATE Insurance SA and ATE Insurance Romania are characterized as discontinued operations (Balance sheet: 30.9.12, Income Statement: 27/7/12-30/9/12)