ABN AMRO Bank N.V.

Annual / Quarterly Financial Statement • Mar 10, 2014

unaudited

ABN AMRO Bank N.V.

Abbreviated Company Financial Report

2013

Table of contents

1.	Introduction	3
2.	Managing Board report	3
3.	Post balance sheet events	3
4.	Statement ex article 5:25d Dutch Financial Supervision Act	4
5.	Abbreviated Company Financial Statements	5

1 Introduction

This is the abbreviated company financial report for the year 2013 of ABN AMRO Bank N.V.

ABN AMRO Bank N.V. is a wholly owned subsidiary of ABN AMRO Group N.V. ABN AMRO Group N.V. issued a so called 403 declaration in favour of ABN AMRO Bank N.V. Through the 403 declaration, ABN AMRO Group N.V. accepts joint and several liability for debts of ABN AMRO Bank N.V. arising from Legal acts.

As the consolidated financial statements of ABN AMRO Group N.V. are publicly available, ABN AMRO Bank N.V. is not required to publish consolidated financial statements. The annual financial report of ABN AMRO Group N.V. has been filed separately at the AFM and is not a part of this abbreviated company financial report.

ABN AMRO Bank N.V. is only required to publish unconsolidated company financial statements in an abbreviated format, containing as a minimum an abbreviated income statement and an abbreviated statement of financial position.

Subsidiaries of ABN AMRO Bank N.V. are not consolidated but recorded as participating interests in group companies in these abbreviated company financial statements.

The abbreviated company financial statements of ABN AMRO Bank N.V. are neither audited nor reviewed by an external auditor.

The presentation of certain terms used in the company statement of financial position, company income statement and company statement of changes in equity have been changed to provide more relevant information or to better align with the current period presentation. Amongst others, accrued interest is presented as part of the relevant balance sheet accounts versus Accrued income and prepaid expenses and Accrued expenses and deferred income. This change has no impact on equity, total assets or net profit.

These abbreviated company financial statements are presented in euros (EUR), which is the presentation currency of ABN AMRO Bank N.V., rounded to the nearest million (unless otherwise stated).

Certain figures in this document may not tally exactly due to rounding.

2 Managing Board report

The reported profit for the year 2013 was EUR 1,162 million (2012: EUR 1,153 million). The result of participations declined by EUR 199 million but was more than offset by an increase of operating activities by EUR 283 million. This was also due to lower impairment charges.

3 Post balance sheet events

There have been no significant events between the year-end and the date of approval of these accounts which would require a change to or disclosure in the accounts.

4 Statement ex article 5:25c Dutch Financial Supervision Act

Pursuant to article 5:25c sub 2 part c of the Dutch Financial Supervision Act (Wet op het financieel toezicht, "Wft") and taking into account article 2:403 of the Dutch Civil Code ("DCC") , the members of the Managing Board hereby declare that to the best of their knowledge the abbreviated financial statements of ABN AMRO Bank N.V. of 2013 (as at and for the period ended 31 December 2013), which have been prepared in accordance with the exemptions stated in article 2:403 of the DCC, give a true and fair view of the assets, liabilities, financial position and profit/(loss) of ABN AMRO Bank N.V.

Amsterdam, 7 March 2014

Managing Board

Gerrit Zalm, Chairman Johan van Hall, Vice-Chairman Kees van Dijkhuizen, Member Caroline Princen, Member Wietze Reehoorn, Member Chris Vogelzang, Member Joop Wijn, Member

5 Abbreviated Company Financial Statements ABN AMRO Bank N.V.

Company income statement

(in millions)	2013	2012
Results from participating interests	800	999
Other operating result 1	479	196
Operating profit / (loss) before taxation	1,279	1,195
Income tax expense 1	117	42
Profit / (loss) for the period	1,162	1,153

1 The 2012 figures have been adjusted for comparison purposes following the amended pension accounting standard IAS 19.

ABN AMRO Bank N.V.

Company statement of financial position.

(in millions)	31 December 2013 31 December 2012
Assets
Cash and cash equivalents	9,392	9,763
Financial assets held for trading 2	23,084	23,706
Financial investments 2	26,852	20,339
Loans and receivables - banks 2	199,421	205,568
Loans and receivables - customers 2	171,412	184,690
Participating interest in group companies	5,092	5,653
Equity accounted investments	429	421
Property and equipment	881	952
Goodwill and other intangible assets	19	42
Assets held for sale	29	55
Accrued income and prepaid expenses 2	473	587
Current tax assets	419	313
Deferred tax assets 1	720	1,259
Other assets 1, 2	3,091	5,423
Total assets	441,314	458,771
Liabilities
Financial liabilities held for trading 2	14,189	20,163
Due to banks 2	115,288	118,286
Due to customers 2	206,086	209,647
Issued debt 2	72,529	74,732
Subordinated liabilities 2	7,917	9,736
Provisions 1	1,003	1,321
Accrued expenses and deferred income 2	632	930
Current tax liabilities	33	20
Deferred tax liabilities		16
Other liabilities 2	10,082	11,056
Total liabilities	427,759	445,907
Total equity 1	13,555	12,864
Total liabilities and equity	441,314	458,771

1 The 2012 figures have been adjusted for comparison purposes following the amended pension accounting standard IAS 19.

2 The 2012 figures have been adjusted for comparison purposes following the change in presentation of the accrued interest on the relevant balance sheet accounts.

ABN AMRO Bank N.V.

Company statement of changes in equity.

( in millions)	Share capital	Share premium reserve	Other reserves including retained earnings	Actuarial gains/(losses) on post employee benefit plans	Currency translation reserve	Available for sale reserve	Cash flow hedge reserve	Reserves participations	Total
Balance at 31 December 2011	800	2,441	10,106			-314	-1,690	82	11,425
Impact adoption IAS 19 R			1,925						1,925
Balance at 1 January 2012	800	2,441	12,031			-314	-1,690	82	13,350
Total comprehensive income			1,153	-3,284	-3	290	-183	29	-1,998
Dividend			-88						-88
Derecognition of the MCS liability		2,000							2,000
Settlement with ageas		-400							-400
Balance at 31 December 2012	800	4,041	13,096	-3,284	-3	-24	-1,873	111	12,864
Total comprehensive income			1,162	-215	2	50	406	-79	1,326
Dividend			-400						-400
Settlement preferent shares			-225						-225
Other changes			-10						-10
Balance at 31 December 2013	800	4,041	13,623	-3,499	-1	26	-1,467	32	13,555