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

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 | ANALYSIS PER REGION
 | [NAME]
 | CONSOLIDATED LOANS PER COUNTRY | 2011-03-31 00:00:00 | 2011-06-30 00:00:00 | 2011-09-30 00:00:00 | 2011-12-31 00:00:00 | 2012-03-31 00:00:00 | 2012-06-30 00:00:00 | 2012-09-30 00:00:00 | 2012-12-31 00:00:00
 | (million €)
 | Total Gross Loans to Customers | 38119.39396661999 | 37983.76283658 | 37917.86464497 | 37210.50256 | 35999.00962300001 | 35947.19494 | 46578.778338 | 50573.308681
 | Greece | 30229.15869936 | 30235.03394699 | 30152.60593972 | 29728.54912473 | 28618.02899076 | 28579.539141 | 39073.83544835622 | 43234.84925818
 | International | 7890.235267259998 | 7748.728889589999 | 7765.25870525 | 7481.95343527 | 7380.98063224 | 7367.655799000001 | 7504.942889643778 | 7338.459422819999
 | Romania | 3174.82941599 | 3153.20184584 | 3059.93822897 | 3001.855584 | 2957.487373 | 2897.12155 | 3080.542213 | 3051.560506
 | Bulgaria | 1685.52288671 | 1617.40506521 | 1587.7010166 | 1546.927353 | 1523.845678 | 1497.66192 | 1484.858826 | 1466.805856
 | Cyprus | 762.80443427 | 792.36492018 | 821.288501 | 857.697723 | 852.637412 | 880.960005 | 874.433036 | 855.625957
 | Albania | 462.79687276 | 450.90007694 | 443.96555437 | 435.373392 | 430.675014 | 427.494377 | 417.293886 | 413.921207
 | Serbia | 609.44384554 | 579.93405029 | 569.1313194500001 | 575.599004 | 591.2294229999999 | 576.1703899999999 | 575.16047 | 595.387357
 | Ukraine | 250.50965794 | 262.94384535 | 285.1517222700001 | 301.61493 | 290.88317 | 303.988295 | 290.856666 | 271.036606
 | Egypt | 737.04200083 | 687.87238578 | 790.5945236500002 | 581.3201969999999 | 564.3293040000001 | 629.451078 | 606.901028 | 518.226782
 | UK (London branch) | 207.28615322 | 204.1067 | 207.48783894 | 181.56525227 | 169.89325824 | 154.808184 | 149.90736207 | 142.9866530799999
 | Germany (Frankfurt branch) | 0 | 0 | 0 | 0 | 0 | 0 | 24.989402573777 | 22.90849874
 | (*) discontinued operations | 371.85400226 | 375.22145368 | 410.35149522 | 428.835909 | 425.501487 | 455.167494 | 0 | 0
 | Source: MIS
 | [NAME] OF LOANS: GREECE - INTERNATIONAL | 2011-03-31 00:00:00 | 2011-06-30 00:00:00 | 2011-09-30 00:00:00 | 2011-12-31 00:00:00 | 2012-03-31 00:00:00 | 2012-06-30 00:00:00 | 2012-09-30 00:00:00 | 2012-12-31 00:00:00
 | (million €)
 | Total Gross Loans to Customers | 38119.39396662 | 37983.76244542999 | 37917.864647 | 37210.502561 | 35999.00962500001 | 35947.194937 | 46578.778339 | 50573.308685
 | Greece | 30229.15869936 | 30235.03394699 | 30152.60593972 | 29728.54912473 | 28618.02899076 | 28579.539141 | 39073.83544835622 | 43234.84925818
 | Business Loans | 21261.73299277 | 21272.01993277 | 21319.34412781 | 21008.69257736 | 20037.260727 | 20025.898767 | 24476.7509771 | 27199.00724533
 | Mortgage Loans | 6051.92187364 | 6124.59601669 | 6089.78586802 | 6046.29660323 | 6003.322512430001 | 5966.657994 | 11097.33663627594 | 11986.89727982
 | Consumer Loans | 2915.50383295 | 2838.41799753 | 2743.47594389 | 2673.55994414 | 2577.44575133 | 2586.98238 | 3499.74783498028 | 4048.94473303
 | International | 7890.23526726 | 7748.728498439999 | 7765.258707280001 | 7481.95343627 | 7380.980634240001 | 7367.655796 | 7504.942890643776 | 7338.45942682
 | Business Loans | 5692.05144722 | 5538.66423248 | 5624.428159190001 | 5395.94057464 | 5304.601074 | 5378.259226 | 5504.093395899999 | 5380.24343667
 | Mortgage Loans | 742.0897789 | 751.1162787699999 | 748.93136798 | 741.91361077 | 727.46333357 | 718.22527 | 738.3067817240566 | 726.5589071800001
 | Consumer Loans | 1456.09404114 | 1458.94798719 | 1391.89918011 | 1344.09925086 | 1348.91622667 | 1271.1713 | 1262.542713019721 | 1231.65708297
 | [NAME] OF LOANS IN ARREARS > 90 days: | 2011-03-31 00:00:00 | 2011-06-30 00:00:00 | 2011-09-30 00:00:00 | 2011-12-31 00:00:00 | 2012-03-31 00:00:00 | 2012-06-30 00:00:00 | 2012-09-30 00:00:00 | 2012-12-31 00:00:00
 | GREECE - INTERNATIONAL     (million €)
 | Total Loans in arrears > 90 days | 3291.940965769811 | 3667.035942 | 4489.586304 | 5113.056455828668 | 5864.087366000002 | 6620.475794 | 8374.013037999997 | 11759.696339
 | Greece | 2388.436142509406 | 2679.654869 | 3389.302085 | 3924.375122828668 | 4567.166694000002 | 5164.964882 | 6696.124627999998 | 9948.88525819
 | International | 903.5048232604048 | 987.381073 | 1100.284219 | 1188.681333 | 1296.920672 | 1455.510912 | 1677.88841 | 1810.81108081
 | CONSOLIDATED DEPOSITS PER COUNTRY | 2011-03-31 00:00:00 | 2011-06-30 00:00:00 | 2011-09-30 00:00:00 | 2011-12-31 00:00:00 | 2012-03-31 00:00:00 | 2012-06-30 00:00:00 | 2012-09-30 00:00:00 | 2012-12-31 00:00:00
 | (million €)
 | Total Customer Deposits 1 | 28168.9145579324 | 25870.1192160818 | 25005.66775694996 | 22376.88494299997 | 21162.9840787375 | 19220.30951144 | 33279.0635441191 | 36971.208239
 | Greece | 23273.3568572624 | 20970.5717481318 | 20212.5537602745 | 18056.71588281 | 17055.3767835175 | 15106.229091 | 28867.42273229911 | 32412.64806085166
 | International | 4895.55770067 | 4899.54746795 | 4793.113996675459 | 4320.169060189966 | 4107.60729522 | 4114.08042044 | 4411.640811820001 | 4558.560178148339
 | Romania | 1294.54361951 | 1169.10187326 | 1062.43273631 | 915.307745 | 878.250283 | 761.410945 | 821.239877 | 896.473009
 | Bulgaria | 695.30518914 | 691.79150801 | 674.5227021 | 652.540472 | 641.442869 | 657.168785 | 700.416732 | 748.11841
 | Cyprus | 1019.36849087 | 1161.36794178 | 1093.926101579353 | 920.0260573699668 | 877.66753262 | 918.224141 | 1029.0268207 | 1068.731300678339
 | Albania | 502.25319661 | 497.93991196 | 519.66836215 | 503.129631 | 491.618054 | 508.847553 | 521.876638 | 521.978892
 | Serbia | 189.10490845 | 231.26137514 | 241.65678985 | 252.41053 | 235.889438 | 265.835626 | 258.573088 | 307.249042
 | Ukraine | 125.96407426 | 116.64570832 | 118.50552298 | 106.944911 | 104.150988 | 103.621669 | 96.325742 | 96.307113
 | UK | 63.39168803 | 60.51546736 | 67.31842270610608 | 39.63808881999999 | 34.3633496 | 26.45490244 | 27.73709849 | 20.82132374
 | Egypt | 1005.6265338 | 970.92368212 | 1015.083359 | 930.171625 | 844.224781 | 872.516799 | 835.899244 | 793.702832
 | Germany | 0 | 0 | 0 | 0 | 0 | 0 | 120.54557163 | 105.17825573
 | (*) discontinued operations | 513.78185402 | 487.34132775 | 531.34093979 | 591.390073 | 586.243257 | 617.195424 | 0 | 0
 | STRUCTURE OF DEPOSITS: GREECE - INTERNATIONAL | 2011-03-31 00:00:00 | 2011-06-30 00:00:00 | 2011-09-30 00:00:00 | 2011-12-31 00:00:00 | 2012-03-31 00:00:00 | 2012-06-30 00:00:00 | 2012-09-30 00:00:00 | 2012-12-31 00:00:00
 | (million €)
 | Total Customer Deposits 1 | 28168.9145579324 | 25870.1192160918 | 25005.66775673996 | 22376.88494599997 | 21162.9840797375 | 19220.309509 | 33279.0635461191 | 36971.20823999999
 | Greece | 23273.3568572624 | 20970.5717481318 | 20212.5537602745 | 18056.71588281 | 17055.3767835175 | 15106.229091 | 28867.4227322991 | 32412.64806085166
 | Savings, sight deposits and other deposits | 6570.6643668 | 6710.02342926 | 6331.38656683 | 5989.54294327 | 5226.88426499 | 5200.226269 | 13608.28870409 | 15867.39934487
 | Term deposits, repos and retail bonds | 16702.6924904624 | 14260.5483188718 | 13881.1671934445 | 12067.17293954 | 11828.4925185275 | 9906.002822 | 15259.1340282091 | 16545.24871598166
 | International | 4895.55770067 | 4899.54746796 | 4793.11399646546 | 4320.169063189967 | 4107.60729622 | 4114.080418 | 4411.640813819999 | 4558.560179148339
 | Savings, sight deposits and other deposits | 1170.35996049 | 1197.63217314 | 1241.80316217 | 1157.59106273 | 1069.00623201 | 1081.311861 | 1161.57865291 | 1249.75600513
 | Term deposits, repos and retail bonds | 3725.197740180001 | 3701.91529482 | 3551.31083429546 | 3162.578000459967 | 3038.60106421 | 3032.768557 | 3250.06216091 | 3308.804174018338
 | 1 including retail bonds until 30.9.12
 | - 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. P&L
 | P&L OF DOMESTIC OPERATIONS | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | FY 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | FY 2012
 | (million €)
 | Net interest income | 202.6527234298571 | 203.2130018754686 | 186.6830006456312 | 146.5481715793139 | 739.0968975302708 | 134.8440820772412 | 75.1192939392929 | 218.4086906316473 | 213.3876779932447 | 641.7597446414261
 | Net fee and commission income | 35.35315980999999 | 35.55570407 | 32.62361994000003 | 36.30541532999998 | 139.83789915 | 32.52734758 | 30.77348825 | 40.70301339999999 | 61.56672728999999 | 165.57057652
 | Total other operating income | 17.7498579 | 9.088686480000003 | 84.32946159999999 | -300.45111398 | -189.283108 | 103.793354 | 91.006511 | 7.632128860000014 | 730.41963243 | 932.85162629
 | Total Net Revenues | 255.7557411398571 | 247.8573924254686 | 303.6360821856312 | -117.5975270706861 | 689.6516886802708 | 271.1647836572412 | 196.8992931892929 | 266.7438328916473 | 1005.374037713245 | 1740.181947451426
 | Staff costs | 71.62596946924 | 65.49500527160001 | 64.45502097000004 | 75.16967128916 | 276.745667 | 58.94726260512 | 59.07499707152 | 82.15767677000001 | 118.67252775 | 318.85246419664
 | Administrative expenses | 46.21475228 | 58.34281159 | 58.74318006 | 70.12992707 | 233.430671 | 41.374682 | 56.629685 | 62.93770031999999 | 116.18400151 | 277.12606883 | Coverage0909
 | Depreciation and amortization | 11.72930005 | 10.81612088 | 13.48015833 | 13.62217074 | 49.64775 | 14.895471 | 14.381032 | 16.28245 | 17.31930591 | 62.87825891
 | (Profit) / loss on sale of property and equipment | 0.55330261 | 0.92975663 | -0.98620086 | -0.07727538 | 0.419583 | 0.010965 | 0.614799 | 0.250934 | -0.114576 | 0.762122 | Coverage0909
 | Operating Cost | 130.12332440924 | 135.5836943716 | 135.6921585 | 158.84449371916 | 560.2436710000001 | 115.22838060512 | 130.70051307152 | 161.62876109 | 252.06125917 | 659.61891393664
 | Share of profit of associates | -4.19266483 | -2.3334071 | -11.23335361 | -13.73867846 | -31.498104 | -1.464549 | -9.50487 | 9.269321 | -3.563704 | -5.263802
 | Profit Before Tax & Provisions | 121.4397519006171 | 109.9402909538686 | 156.7105700756312 | -290.1806992498461 | 97.90991368027075 | 154.4718540521212 | 56.69391011777289 | 114.3843928016473 | 749.7490745432447 | 1075.299231514786
 | Impairment losses on loans, debt securities, other receivables - impairment on investment securities - other provisions and impairment | 130.29036645 | 1138.10130034 | 610.71075222 | 5789.66856791 | 7668.770986920001 | 559.27353198 | 523.05454392 | 499.1087218600001 | 609.8634370099999 | 2191.30023477
 | Profit before Tax | -8.850614549382883 | -1028.161009386132 | -454.0001821443689 | -6079.849267159846 | -7570.86107323973 | -404.8016779278788 | -466.3606338022271 | -384.7243290583528 | 139.8856375332448 | -1116.001003255214
 | Income tax expense | 2.96246951214811 | -187.034260702148 | -50.7074768059766 | -680.566238135969 | -915.3455061319455 | -440.578540507576 | -80.4314558584454 | -94.6618561356705 | -26.86390869335103 | -642.5357611950429
 | Non Controlling Interests | 0.01537092000000365 | -7.570823150000232 | -0.3310100397291267 | 3.585322821609124 | -4.301139448120231 | -2.24715060999998 | -2.56276639000002 | -0.3191739999997616 | -2.292712130000001 | -7.421803129999763
 | Net Profit / (Loss) Attributable to Shareholders | -11.828454981531 | -833.5559255339833 | -402.9616952986631 | -5402.868351845486 | -6651.214427659665 | 38.02401318969717 | -383.3664115537817 | -289.7432989226825 | 169.0422583565958 | -466.0434389301709
 | Net Profit / (Loss) attributable to Shareholders from discontinued operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.654277 | 1.654104999999999 | 2.308381999999999
 | Non Controlling Interests from discontinued operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.000297 |  | 0.000297
 | P&L OF INTERNATIONAL OPERATIONS | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | FY 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | FY 2012
 | (million €)
 | Net interest income | 100.7664416501429 | 111.0749343045313 | 111.7734866643691 | 109.9034860506855 | 433.5183486697288 | 100.3803978727589 | 98.02655611070692 | 93.71726736835271 | 93.63605000675535 | 385.7602713585738
 | Net fee and commission income | 13.01099098000001 | 15.10505949999999 | 14.10836865999999 | 15.71573399 | 57.94015312999998 | 13.27362583 | 12.64679434 | 10.5467166 | 15.55089670999999 | 52.01803348
 | Total other operating income | 7.67392874 | 19.16354359 | 40.46950793999999 | -26.19825617999998 | 41.10872409000001 | 9.526518850000002 | 4.567779149999999 | 10.55334914 | 14.67130057 | 39.31894771
 | Total Net Revenues | 121.4513613701428 | 145.3435373945313 | 166.3513632643691 | 99.42096386068555 | 532.5672258897288 | 123.1805425527589 | 115.2411296007069 | 114.8173331083527 | 123.8582472867553 | 477.0972525485738
 | Staff costs | 26.98741904076 | 27.08892250839998 | 27.03388319000003 | 31.72853326084 | 112.838758 | 25.44625377487999 | 26.29901654848001 | 26.36793723 | 27.00042325000001 | 105.11363080336
 | Administrative expenses | 24.83427484999999 | 25.93049979999998 | 23.97806015000004 | 28.42218843000001 | 103.16502323 | 23.68664452 | 25.33836948 | 24.12510168000001 | 28.99729349000003 | 102.14740917
 | Depreciation and amortization | 11.96592432 | 12.09707962 | 10.71448761999999 | 12.29467713000002 | 47.07216869000001 | 13.25432432 | 9.43652468 | 10.162359 | 9.656648090000004 | 42.50985609000001
 | (Profit) / loss on sale of property and equipment | 0.08969739000000002 | 0.04524337 | 0.04220085999999999 | -0.08172462 | 0.095417 | -0.048965 | -0.371237 | 0.048181 | 0.4596939999999999 | 0.087673 | Prewriteoffsratio
 | Operating Cost | 63.87731560075999 | 65.16174529839996 | 61.76863182000005 | 72.36367420084001 | 263.17136692 | 62.33825761487999 | 60.70267370848001 | 60.70357891 | 66.11405883000005 | 249.85856906336
 |  |  |  |  |  |  |  |  |  |  |  | Prewriteoffsratio
 | Share of profit of associates | 0.05066483000000008 | 0.6604070999999996 | -0.4476463900000006 | -0.0733215399999991 | 0.190104 | 0.038549 | 0.025303 | 18.095394 | 1.770717999999995 | 19.92996399999999 | Prewriteoffsratio
 | Profit Before Tax & Provisions | 57.62471059938287 | 80.8421991961313 | 104.135085054369 | 26.98396811984554 | 269.5859629697288 | 60.88083393787888 | 54.56375889222691 | 72.2091481983527 | 59.51490645675529 | 247.1686474852138 | Prewriteoffsratio
 | Impairment losses on loans, debt securities, other receivables, investment securities and goodwill | 40.59828722 | 68.3229538 | 47.39174796 | 58.56213078 | 214.87511976 | 48.26315169 | 70.51632740999996 | 66.40837114000003 | 131.40175398 | 316.58960422
 | Profit before Tax | 17.02642337938286 | 12.51924539613131 | 56.74333709436902 | -31.57816266015446 | 54.71084320972878 | 12.61768224787888 | -15.95256851777305 | 5.800777058352665 | -71.88684752324474 | -69.42095673478624
 | Income tax expense | 4.64694420785189 | 2.6653573521481 | 8.53818085597663 | 5.36932462596898 | 21.2198070419456 | 4.52257580757577 | 1.97123055844538 | -10.0126678643294 | -17.04924230664894 | -20.56810380495719
 | Non Controlling Interests | 0.007392229999996722 | -0.2685878399998024 | 0.09922010972917918 | -0.3664772716103634 | -0.5284527718809899 | 0.1551506099999547 | -0.1430166099999547 | -0.187009 | -1.388358 | -1.563233
 | Net Profit / (Loss) Attributable to Shareholders | 12.37208694153098 | 10.12247588398301 | 48.10593612866321 | -36.58101001451308 | 34.01948893966417 | 7.939955830303151 | -17.78078246621848 | 16.00045392268207 | -53.44924721659581 | -47.28961992982906
 | Net Profit / (Loss) attributable to Shareholders from discontinued operations | 0.97836803 | 0.9664496499999999 | 1.04975919 | 0.8224573699999996 | 3.81703424 | 1.21469272 | 1.43909828 | 9.887077 | -1.874404 | 10.666464
 | Non Controlling Interests from discontinued operations | 0.03823685 | 0.02141099 | 0.01678993000000001 | 0.01315445 | 0.08959222 | 0.0186546 | 0.0213454 | 0.006703 | -0.000836 | 0.04586699999999999
 | - 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)