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

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 | QUARTERLY EVOLUTION OF MAIN P&L COMPONENTS
 | I. REVENUES
 | PARENT LEVEL PROFITABILITY SPREADS * | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012
 | (%)
 | 1. Deposits from Customers: | -0.0127196266286691 | -0.01172635680964952 | -0.01381376487624222 | -0.01692845782103668 | -0.0224174386615691 | -0.02469150167402585 | -0.02435648938892258 | -0.02022547307910307
 | Savings & Sight Deposits | 0.00141808439761201 | 0.00449936612490147 | 0.004402702793541521 | 0.002044381755199083 | -0.002058217678491861 | -0.002566345605906662 | -0.004562919805779137 | -0.004809265368792557
 | Term Deposits | -0.0188760667386796 | -0.0193294261934315 | -0.02243106076666088 | -0.02721923453620324 | -0.0334847066980026 | -0.03729524700498043 | -0.0363771941098595 | -0.03474098886544344
 | 2. Loans to Customers: | 0.0401840961753258 | 0.0395078493193055 | 0.0401128967067944 | 0.04129072559378173 | 0.04246213022086959 | 0.04536453369246631 | 0.04645943159141844 | 0.04974656693596817
 | Mortgage loans | 0.0227010825293397 | 0.0224747354930551 | 0.02270240128745045 | 0.02305871676738836 | 0.02336376426153351 | 0.0235997555389445 | 0.02386552000159054 | 0.03222014941910396
 | Consumer loans | 0.086136459787626 | 0.083266764918736 | 0.08116379740554079 | 0.0836986481051634 | 0.085224420402462 | 0.0883352693993594 | 0.08973450551100537 | 0.0919610663686362
 | Loans to Corporate Entities | 0.0394 | 0.03922679905877087 | 0.04050811192307401 | 0.04184609775743477 | 0.04340028420590742 | 0.04725502450869042 | 0.04870754410713788 | 0.05284682486572371
 | Source: MIS
 | * the calculation of spread is based on interest income (gross interest minus interbank transfer cost of each category) to average balance
 | * mortgages: including insurance premia
 | CONSOLIDATED NET FEE AND COMMISSION INCOME | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012
 | (million €)
 | 1. Commercial banking | 42.88963713 | 43.62587184999999 | 42.01032202000002 | 46.583473 | 41.151512 | 39.386876 | 47.255799 | 69.216906
 | 2. Investment banking | 3.59643376 | 5.279738360000001 | 3.197261879999999 | 3.044450999999999 | 3.033385 | 2.124548 | 1.804707000000001 | 3.134077
 | 3. Asset management | 1.8789375 | 1.7540386 | 1.5248669 | 2.4039 | 1.616346 | 1.90859 | 2.189222 | 4.766640999999999
 | 4. Total Net Commision Income | 48.36500839 | 50.65964880999999 | 46.73245080000002 | 52.03182399999999 | 45.801243 | 43.42001399999999 | 51.249728 | 77.11762399999999
 | CONSOLIDATED NET TRADING INCOME | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012
 | (million €)
 | 1. Bonds, derivatives, FX | 11.74205081 | 10.33371422 | 100.45240351 | -243.79606178 | 98.23250313 | 112.75903187 | -10.259998 | -20.90429788999998
 | 2. Equity | 1.1003707 | 1.57900608 | 7.94342668 | 2.481683780000001 | 1.11414987 | 1.26862313 | 4.761355 | 5.549049890000001
 | 3. Total Net Trading Income | 12.84242151 | 11.9127203 | 108.39583019 | -241.314378 | 99.346653 | 114.027655 | -5.498642999999996 | -15.35524799999998
 | - 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)
 | II. OPERATING COST
 | CONSOLIDATED ADMINISTRATIVE EXPENSES | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012
 | (million €)
 | 1. Rents | 17.499791 | 17.12678586 | 16.57576514 | 16.892972 | 15.591009 | 14.910154 | 16.760893 | 18.319724
 | 2. Tax / VAT | 9.69694 | 13.00609006 | 11.10627794 | 15.601004 | 8.231813 | 14.286083 | 11.822843 | 19.685637
 | 3. Advertisement | 5.720004 | 6.91867786 | 5.26979614 | 9.29403 | 4.372798 | 6.626448 | 4.951202 | 10.753578
 | 4. Servicing - Promotion of Products | 2.974466 | 10.73847669 | 7.839030310000001 | 15.442439 | 2.926565 | 6.047397 | 12.387772 | 10.915037
 | 5. Third Party Expenses | 7.034889 | 7.55307175 | 11.74386125 | 9.019147 | 6.371054 | 9.488453 | 9.352148 | 32.384491
 | 6. Other | 28.123204 | 28.93038317 | 30.19038683 | 32.281597 | 27.567963 | 30.609644 | 31.787943 | 53.122827
 | 7. Total Administrative Expenses | 71.049294 | 84.27348539 | 82.72511761 | 98.53118900000001 | 65.06120200000001 | 81.96817899999999 | 87.06280100000001 | 145.181294
 | - 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)