AB Group Financial Overview

AB Group key financial indicators Dec. Dec. Dec. Dec. Key Financial Indicators 2012 2013 2014 2015 Loan to deposit 68.40% 67.10% 67.70% 67.60% Cost to income - including provision for doubtful debts 59.40% 51.90% 44.50% 44.00% Cost to income - excluding provision for doubtful debts & legal provisions 43.10% 42.00% 42.30% 42.30% Return on equity 4.60% 6.50% 7.30% 5.50% Return on equity - excluding legal provisions 6.00% 8.10% 9.90% 9.90% Return on assets 0.80% 1.10% 1.20% 0.90% Return on assets - excluding legal provisions 1.00% 1.30% 1.60% 1.60% Capital adequacy - tier 1 15.09% 15.15% 14.80% 14.20% Capital adequacy - total 15.09% 15.15% 14.80% 14.20% NPL to gross credit facilities - excluding suspended interest 6.77% 5.60% 5.20% 4.80% NPL coverage ratio - excluding suspended interest 92% 102% 106% 109% 11

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