Solid operating results excluding exceptional items

• Commercial performance improved
• Banking income rose 2.1%
• Costs fell 2.1%
• The cost of risk was very limited in 2012

Consolidated results were influenced by several exceptional items

• A change in scope resulting from the integration of BNP Paribas Group’s international leasing activities from 30 March 2012
• Items related to sovereign debt sales, changes in the valuation of the bank’s own debt, a value adjustment caused by a worldwide slowdown in asset management activities, and the completion of integration projects

Consolidated net profit under IFRS

• Consolidated net profit under IFRS came to €266.8 million compared with €297.8 million a year before

The strongest capital base of any Luxembourg bank

• Own funds of €5.8 billion
• Strong solvency ratio of 22.8%, comfortably above the regulatory minimum

A socially responsible bank committed to serving customers and employees

• €1 billion budgeted to small and medium-sized businesses and a range of financial and non-financial services dedicated to NGOs and community organisations
• ABBL Charter for Diversity signed, “Actions Positives” accreditation obtained
• “Green Workplace Award” and “Prix de l’entreprise éco mobile”

Recognition for excellence

• 2012 Luxembourg Bank of the Year (The Banker)
• 2012 Best Private Bank in Luxembourg (Euromoney)