Ranking of Tier 1 ratio after stress - All European 0 2 4 6 8 10 12 14 16 18 20

.BANCA MARCH, S 1 .OTP NYRT 2 POWSZECHNA KASA 3 BILBAO BIZKAIA 4 5 6 7 GROUP 8 OP-POHJOLA GROU 9 BANQUE ET CAISS 10 LANDESBANK BERL 11 ROYAL BANK OF S 12 13 FHB JELZÁLOGBAN 14 CAJA DE AHORROS 15 SNS BANK 16 SKANDINAVISKA E 17 BANCO BPI 18 HSBC HOLDINGS P 19 TT HELLENIC POS 20 BANK 21 22 SOCIETE GENERAL 23 GRUPO 24 ABN/ FORTIS BAN 25 26 A 27 HSH NORDBANK AG 28 BNP PARIBAS 29 KBC BANK NV 30 BANK OF VALLETT 31 GRUPO BBVA 32 LLOYDS BANKING 33 AG 34 WGZ BANK AG WES 35 CREDIT AGRICOLE 36 M.P. Y C.A. DE 37 SVENSKA HANDELS 38 BAYERISCHE LAND 39 ING Bank 40 . DZ BANK AG DT 41 BPCE GROUP 42 DEKABANK DEUTSC 43 BANCO COMERCIAL 44 45 46 BANQUE RAIFFEIS 47 CAIXA GERAL DE 48 EFG EUROBANK ER 49 LANDESBANK BADE 50 BAN 51 52 UNICREDIT 53 BASE 54 CAIXA 55 NATIONAL BANK O 56 LANDESBANK HESS 57 BANCO DE SABADE 58 BREOGAN 59 MARFIN POPULAR 60 WESTLB AG 61 62 BANCO POPOLARE 63 BANCO POPULAR E 64 MARE NOSTRUM 65 CAJA DE AHORROS 66 ESPÍRITO SANTO 67 UBI 68 ., S.A 69 CAJA DE AHORROS 70 DEUTSCHE POSTBA 71 CAJA DE AHORROS 72 ALLIED IRISH BA 73 NOVA LJUBLJANSK 74 JUPITER 75 NORDDEUTSCHE 76 MONTE DEI PASCHI 77 COLONYA - CAIXA 78 CAJA3 79 BANCO GUIPUZCOA 80 GR 81 BANCO PASTOR, S 82 CAJA SOL 83 ESPIGA 84 HYPO REAL ESTAT 85 BANCA CIVICA 86 UNNIM 87 AGRICULTURAL BA 88 CAJA DE AHORROS 89 DIADA 90

1/4 Distribution of Tier 1 ratio after stress - All European banks

20 19 MIN 3,9 18 1^ QUARTILE 6,8 17 MEDIAN 8,2 AVERAGE 8,6 16 3^ QUARTILE 10,0 MAX 19,0 15 14 13 12 Intesa Sanpaolo 8,2 11 Unicredit 7,8 10 9 8 Banco Popolare 7,0 7 UBI Banca 6,8 6 Banca MPS 6,2 5 4 3

2/4 Ranking of Tier 1 ratio as of December 2009 (before stress) - All European banks 0 2 4 6 8 10 12 14 16 18 20

.BANCA MARCH, S 1 TT HELLENIC POS 2 BILBAO BIZKAIA 3 WESTLB AG 4 ROYAL BANK OF S 5 RABOBANK GROUP 6 .OTP BANK NYRT 7 JYSKE BANK 8 LANDESBANK BERL 9 POWSZECHNA 10 SYDBANK 11 ABN/ FORTIS BAN 12 CAJA DE AHORROS 13 BARCLAYS 14 OP-POHJOLA GROU 15 DEUTSCHE BANK A 16 SKANDINAVISKA E 17 DEXIA 18 M.P. Y C.A. DE 19 DANSKE BANK 20 ALPHA BANK 21 BANQUE ET CAISS 22 NATIONAL BANK O 23 CAJA DE AHORROS 24 EFG EUROBANK ER 25 KBC BANK NV 26 BAYERISCHE LAND 27 HSBC HOLDINGS P 28 SOCIETE GENERAL 29 SNS BANK 30 BANK OF CYPRUS 31 COMMERZBANK AG 32 HSH NORDBANK AG 33 BANK OF VALLETT 34 BANCO PASTOR, S 35 SWEDBANK 36 CAIXA 37 CAJA SOL 38 ING Bank 39 NORDEA BANK 40 BNP PARIBAS 41 GRUPO 42 . DZ BANK AG DT 43 COLONYA - CAIXA 44 LANDESBANK BADE 45 DEKABANK DEUTSC 46 CREDIT AGRICOLE 47 WGZ BANK AG WES 48 BANCA CIVICA 49 LLOYDS BANKING 50 MARFIN POPULAR 51 HYPO REAL ESTAT 52 GRUPO BBVA 53 CAJA DE AHORROS 54 CAJA3 55 BANCO COMERCIAL 56 BASE 57 ERSTE GROUP BAN 58 BANK OF IRELAND 59 BPCE GROUP 60 PIRAEUS BANK GR 61 BANCO POPULAR E 62 BANCO GUIPUZCOA 63 SVENSKA HANDELS 64 BANCO DE SABADE 65 MARE NOSTRUM 66 CAJA DE AHORROS 67 LANDESBANK HESS 68 FHB JELZÁLOGBAN 69 UNICREDIT 70 JUPITER 71 BREOGAN 72 ESPIGA 73 BANQUE RAIFFEIS 74 BANCO BPI 75 AGRICULTURAL BA 76 CAIXA GERAL DE 77 INTESA SANPAOLO 78 UBI 79 BANCO POPOLARE 80 ESPÍRITO SANTO 81 NORDDEUTSCHE 82 MONTE DEI PASCHI 83 NOVA LJUBLJANSK 84 .BANKINTER, S.A 85 UNNIM 86 DEUTSCHE POSTBA 87 ALLIED IRISH BA 88 DIADA 89 CAJA DE AHORROS 90

3/4 Distribution of Tier 1 ratio as of December 2009 (before stress) - All European banks

20 19 MIN 1,8 18 1^ QUARTILE 8,8 17 MEDIAN 9,8 AVERAGE 10,2 16 3^ QUARTILE 11,3 15 MAX 19,7 14 13 12 11 10 Unicredit 8,6 9 Intesa Sanpaolo 8,3 8 UBI Banca 8,0 7 Banco Popolare 7,7 6 Banca MPS 7,5 5 4 3 2 1

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