Key Facts:

• Net income attributable to equity holders of €1.8 BN in a still challenging economic environment in Europe
• Revenue resilience thanks to a diversified business and geographic mix: revenues of the operating divisions stable vs. 2Q12
• Ongoing cost reduction with the initial effects of simple & efficient: operating expenses of the operating divisions reduced by 1.0% vs. 2Q12
• Moderate cost of risk despite the economy: €1109M (68 bp)

A rock-solid balance sheet:

• Very high solvency: fully loaded Basel 3 CET1 ratio of 10.4%
• Immediately available liquidity reserve: €236BN as at 30.06.13
• Sustained gathering of deposits across all the retail networks: retail banking deposits +6.4% vs. 2Q12