KBC Groupe NV

Capital/Financing Update • Dec 16, 2013

	31-12-12		30-06-13
Capital position CRD3 rules	Million EUR	% RWA	Million EUR	% RWA	References to COREP reporting
A) Common equity before deductions (Original own funds without hybrid instruments and government support measures other than ordinary shares) (+)	10.828		11.123		COREP CA 1.1 without Hybrid instruments and government support measures other than ordinary shares
Of which: adjustment to valuation differences in other AFS assets (1) (-/+)	-292		-173		Prudential filters for regulatory capital (COREP line 1.1.2.6.06)
B) Deductions from common equity (Elements deducted from original own funds) (-)	-577		0		COREP CA 1.3.T1* (negative amount)
Of which: IRB provision shortfall and IRB equity expected loss amounts (before tax) (-)	0		0		As defined by Article 57 (q) of Directive 2006/48/EC (COREP line 1.3.8 included in 1.3.T1*)
C) Common equity (A+B)	10.251	11,5%	11.123	13,7%
Of which: ordinary shares subscribed by government	0		0		Paid up ordinary shares subscribed by government
D) CoCos issued before 30 June 2012 according to EBA Common Term Sheet (+)	0		0		EBA/REC/2011/1
E) Other Existing government support measures (+)	240		47
F) Core Tier 1 including other intruments eligible and existing government support measures (C+D+E)	10.491	11,8%	11.170	13,7%
G) Hybrid instruments not subscribed by government	1.744		1.742		Net amount included in T1 own funds (COREP line 1.1.4.1a + COREP lines from 1.1.2.201 to 1.1.2.205 + COREP line 1.1.5.2a (negative amount)) not subscribed by government
H) Tier 1 Capital (F+G)	12.235	13,8%	12.912	15,9%	COREP CA 1.4 = COREP CA 1.1 + COREP CA 1.3.T1* (negative amount)
I) RWA	88.947		81.356
CRR / CRDIV memo items
Common Equity instruments under A) not eligible as CET1 (under CRR)	0		0		Articles 26(1) point (c) and 26(2) of CRR
Adjustments to Minority Interests	227		275		Article 84 of CRR
DTAs that rely on future profitability (net of associated DTL)	1.895		1.494		Articles 36(1) point (c) and 38 of CRR [new COREP CA4 lines {1.2 + 1.3 - 2.2.1 - 2.2.2}]
Holdings of CET1 capital instruments of financial sector entities: reciprocal cross holdings, non significant and significant investments	1.153		0		Articles 36(1) point (g), (h) and (i), 43, 44 and 45 of CRR
RWA for Credit Value Adjustment Risk (CVA)	3.191		1.854		Articles 381 to 386 of CRR

Notes and definitions

(1) The amount is already included in the computation of the eligible capital and reserves and it is provided separately for information purposes.

References to COREP reporting

Explanatory footnotes

2012) $\star\star$
STA
defaulted	Defaulted
	0
	244
	6
	195
	118
	11
	11
	107
	45
	63
	1
	1
96	364

Notes and definitions

					Exposure values (as of 31/12/2012) **						RWA (as of 31/12/2012) **						Value adjustments and provisions (as of 31/12/2012) **
All couterparty countries		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB		STA		F-IRB		A-IRB		STA		F-IRB	A-IRB	STA
																	Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		13.240	17	15.206	0	33.319	-	815	-	967	0	148	-		7	0	-
	Institutions		1.713	-	11.762	55	870	0	296	-	2.050	227	337	-		-	67	0
	Corporates		8.841	2.716	50.873	3.764	6.387	266	8.309	-	25.363	761	6.096	254		1.257	1.494	244
	Corporates - Of Which: Specialised Lending		1.084	1.370	6.701	960	369	19	1.267	-	4.260	21	369	25		574	319	6
	Corporates - Of Which: SME		1.808	725	15.130	1.225	2.760	187	1.726	-	6.326	214	2.666	197		354	427	195
	Retail		0	-	68.346	4.288	5.223	104	0	-	11.941	189	2.970	61		-	1.691	118
	Retail - Secured on real estate property	78,4%	-	-	56.780	3.811	2.846	36	-	-	9.063	-	1.188	36		-	1.207	11
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	6.550	306	430	-	-	-	538	-	234	-		-	-	-
KBC BANK	Retail - Secured on real estate property - Of Which: non-SME	78,4%	-	-	50.229	3.505	2.417	36	-	-	8.525	-	954	36		-	1.207	11
	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	-	-	-		-	-	-
	Retail - Other Retail		0	-	11.566	477	2.377	67	0	-	2.878	189	1.781	25		-	485	107
	Retail - Other Retail - Of Which: SME		-	-	6.813	289	706	47	-	-	1.755	111	537	5		-	338	45
	Retail - Other Retail - Of Which: non-SME		0	-	4.752	188	1.670	17	0	-	1.123	78	1.244	20		-	147	63
	Equity		-	-	-	-	146		8 -	-	-	-	175	12		-	-	1
	Securitisation		2.023	-	-	-	-	-	829	-	-	-	-	-		-	-	-
	Other non-credit obligation assets		746	-	8.685	-	737	-	701	-	6.273	-	479	-		-	-	1
	TOTAL		26.563	2.733	154.871	8.107	46.682	378	10.949	0	46.595	1.178	10.206	327	414	1.263 375	3.253 96	364
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	-	-	-		-	-	-

					Exposure values (as of 31/12/2012) **						RWA (as of 31/12/2012) **			Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB		STA		F-IRB		A-IRB	STA	F-IRB		A-IRB	STA
											Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		329	-	3.381	0	27.520	-	28	-	317 0	1	-	-	-	-
	Institutions		4	-	1.541	-	259	-	0	-	168 -	70	-	-	-	-
	Corporates		758	210	29.511	1.619	2.745	78	764	-	13.182 -	2.692	67	107	592	8
	Corporates - Of Which: Specialised Lending		8	-	2.643	212	-	-	4	-	1.483 -	-	-	-	34	-
	Corporates - Of Which: SME		148	73	11.255	989	1.220	51	155	-	4.503 -	1.213	40	37	396	8
	Retail		-	-	45.464	802	718	-	-	-	3.847 -	459	-	-	479	-
	Retail - Secured on real estate property	62,5%	-	-	36.028	475	320	-	-	-	1.855 -	160	-	-	113	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	6.525	302	320	-	-	-	533 -	160	-	-	-	-
	Retail - Secured on real estate property - Of Which: non-SME	62,5%	-	-	29.502	173	-	-	-	-	1.323 -	-	-	-	113	-
Belgium	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	- -	-	-	-	-	-
	Retail - Other Retail		-	-	9.436	327	398	-	-	-	1.991 -	299	-	-	366	-
	Retail - Other Retail - Of Which: SME		-	-	6.742	282	-	-	-	-	1.719 -	-	-	-	338	-
	Retail - Other Retail - Of Which: non-SME		-	-	2.695	45	398	-	-	-	272 -	299	-	-	29	-
	Equity		-	-	-	-	91	-	-	-	- -	110	-	-	-	-
	Securitisation		249	-	-	-	-	-	32	-	- -	-	-	-	-	-
	Other non-credit obligation assets		23	-	7.480	-	-	-	15	-	3.918 -	-	-	-	-	-
	TOTAL		1.363	210	87.377	2.421	31.334	78	839	0	21.431 0	3.332	67 3	107	215 1.072	18 8
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	- -	-	-	-	-	-

Notes and definitions

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

Notes and definitions

				Exposure values (as of 31/12/2012) **					RWA (as of 31/12/2012) **							Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB	A-IRB		STA		F-IRB	A-IRB		STA		F-IRB		A-IRB		STA
						Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		7.681	- 6.796		- 1.015	-	1 -	67	-	-		-	-		-	-
	Institutions		624	- 1.406		- 45	0	57 -	92	1	23		-	-		8	0
	Corporates		461	6 7.813	363	464	25	294 -	3.661	590	444		-	1		223	11
	Corporates - Of Which: Specialised Lending		34	1 1.148	173	-	-	40 -	775	-	-		-	-		1	-
	Corporates - Of Which: SME		12	- 3.020		98 0	-	9 -	1.323	189	0		-	-		-	-
	Retail		0	- 11.221	483	562	43	0 -	3.122	189	429		-	-		212	30
	Retail - Secured on real estate property	68,0%	-	- 9.271	354	-	-	- -	2.334	-	-		-	-		114	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	- -		- -	-	- -	-	-	-		-	-		-	-
	Retail - Secured on real estate property - Of Which: non-SME	68,0%	-	- 9.271	354	-	-	- -	2.334	-	-		-	-		114	-
Czech Republic	Retail - Qualifying Revolving		-	- -		- -	-	- -	-	-	-		-	-		-	-
	Retail - Other Retail		0	- 1.951	129	562	43	0 -	788	189	429		-	-		98	30
	Retail - Other Retail - Of Which: SME		-	- 7		- 562	43	- -	16	111	429		-	-		-	30
	Retail - Other Retail - Of Which: non-SME		0	- 1.943	129	-	-	0 -	772	78	-		-	-		98	-
	Equity		-	- -		- 25	-	- -	-	-	25		-	-		-	-
	Securitisation		-	- -		- -	-	- -	-	-	-		-	-		-	-
	Other non-credit obligation assets		-	- 1.193		- 170	-	- -	974	-	171		-	-		-	-
	TOTAL		8.766	6 28.429	846	2.281	67	353 0	7.915	780	1.092	0		2 1	32	443	- 41
	Securitisation and re-securitisations positions deducted from capital *		-	- -		- -	-	- -	-	-	-		-	-		-	-

					Exposure values (as of 31/12/2012) **						RWA (as of 31/12/2012) **						Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB		STA		F-IRB		A-IRB		STA		F-IRB	A-IRB		STA
																	Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		407	-	-	-	-	-	277	-	-	-	-	-	-		-	-
	Institutions		25	-	8	-	-	-	8	-	3	-	-	-	-		-	-
	Corporates		1.471	1.720	688	41	-	-	1.746	-	179	-	-	-	754		24	-
	Corporates - Of Which: Specialised Lending		616	1.140	179	-	-	-	795	-	105	-	-	-	515		24	-
	Corporates - Of Which: SME		527	509	7	-	-	-	595	-	3	-	-	-	208		-	-
	Retail		-	-	9.422	2.572	32	-	-	-	3.479	-	24	-	-		800	-
	Retail - Secured on real estate property	100,0%	-	-	9.422	2.572	-	-	-	-	3.479	-	-	-	-		800	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Secured on real estate property - Of Which: non-SME	100,0%	-	-	9.422	2.572	-	-	-	-	3.479	-	-	-	-		800	-
Ireland	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Other Retail		-	-	0	-	32	-	-	-	0	-	24	-	-		-	-
	Retail - Other Retail - Of Which: SME		-	-	0	-	-	-	-	-	0	-	-	-	-		-	-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	32	-	-	-	-	-	24	-	-		-	-
	Equity		-	-	-	-	0	-	-	-	-	-	0	-	-		-	-
	Securitisation		63	-	-	-	-	-	86	-	-	-	-	-	-		-	-
	Other non-credit obligation assets		185	-	12	-	-	-	152	-	1.381	-	-	-	-		-	-
	TOTAL		2.150	1.720	10.129	2.613	32	0	2.268	0	5.042	0	24 0	165	754	82	824	- 0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-

Notes and definitions

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

2012) $***$
STA
defaulted Ù.	Defaulted
	0
	39
	39
	39
4	39

Notes and definitions

					Exposure values (as of 31/12/2012) **						RWA (as of 31/12/2012) **						Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB		STA		F-IRB		A-IRB		STA	F-IRB		A-IRB	STA
													Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		335	17	52	-	3.097	-	357	-	17	-	-	-		7	-	-
	Institutions		240	-	8	-	-	-	87	-	3	-	-	-	-		-	-
	Corporates		2.205	236	148	0	73	-	1.920	-	74	-	73	-	142		-	0
	Corporates - Of Which: Specialised Lending		-	-	101	-	-	-	-	-	38	-	-	-	-		-	-
	Corporates - Of Which: SME		932	117	1	-	-	-	792	-	0	-	-	-	91		-	-
	Retail		-	-	1.795	323	180	7	-	-	1.235	-	129	8	-		166	39
	Retail - Secured on real estate property	82,9%	-	-	1.681	309	-	-	-	-	1.156	-	-	-	-		149	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Secured on real estate property - Of Which: non-SME	82,9%	-	-	1.681	309	-	-	-	-	1.156	-	-	-	-		149	-
Hungary	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Other Retail		-	-	115	14	180	7	-	-	79	-	129	8	-		17	39
	Retail - Other Retail - Of Which: SME		-	-	0	-	-	-	-	-	0	-	-	-	-		-	-
	Retail - Other Retail - Of Which: non-SME		-	-	114	14	180	7	-	-	79	-	129	8	-		17	39
	Equity		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Securitisation		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Other non-credit obligation assets		318	-	-	-	-	-	445	-	-	-	-	-	-		-	-
	TOTAL		3.098	253	2.003	323	3.350	7	2.809	0	1.329	0	203	8	3 149	38	166 4	39
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-

				Exposure values (as of 31/12/2012) **			RWA (as of 31/12/2012) **			Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB	A-IRB	STA	F-IRB	A-IRB	STA	F-IRB	A-IRB	STA
									Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		-	- 86	- 1.200 -	- -	6 -	-	- -		- -
	Institutions		4	- 7	- 175 -	0 -	2 -	78	- -		- 0
	Corporates		1	- 199	0 1.994 41	0 -	113 -	1.863	52 -		0 64
	Corporates - Of Which: Specialised Lending		-	- 21	- 369 19	- -	35 -	369	25 -		0 6
	Corporates - Of Which: SME		-	- 18	0 528 15	- -	1 -	528	22 -		- 27
	Retail		-	- 0	0 2.328 54	- -	0 -	1.222	53 -		- 49
	Retail - Secured on real estate property	58,0%	-	- -	- 1.581 36	- -	- -	662	36 -		- 11
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	- -	- - -	- -	- -	-	- -		- -
	Retail - Secured on real estate property - Of Which: non-SME	58,0%	-	- -	- 1.581 36	- -	- -	662	36 -		- 11
Slovakia	Retail - Qualifying Revolving		-	- -	- - -	- -	- -	-	- -		- -
	Retail - Other Retail		-	- 0	0 747 17	- -	0 -	560	16 -		- 38
	Retail - Other Retail - Of Which: SME		-	- 0	- 144 4	- -	0 -	108	5 -		- 15
	Retail - Other Retail - Of Which: non-SME		-	- -	0 603 9	- -	- -	452	12 -		- 24
	Equity		-	- -	- 0 -	- -	- -	0	- -		- 1
	Securitisation		-	- -	- - -	- -	- -	-	- -		- -
	Other non-credit obligation assets		-	- -	- 197 -	- -	- -	82	- -		- 1
	TOTAL		6 0	293	0 5.894 95	1 0	121 0	3.246	105 0 0	0	0 8 115
	Securitisation and re-securitisations positions deducted from capital *		-	- -	- - -	- -	- -	-	- -		- -

Notes and definitions

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

Notes and definitions

					Exposure values (as of 31/12/2012) **					RWA (as of 31/12/2012) **				Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB		STA		F-IRB	A-IRB		STA	F-IRB	A-IRB		STA
														Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		28	-	1.629	-	1	-	3 -	78	-	-	-	-	-	-
	Institutions		133	-	986	-	10	-	24 -	182	-	2	-	-	-	-
	Corporates		27	1	1.893	117	82	0	28 -	1.154	-	21	0	0	32	0
	Corporates - Of Which: Specialised Lending		-	1	226	4	-	-	- -	208	-	-	-	-	2	-
	Corporates - Of Which: SME		-	-	128	14	82	0	- -	91	-	21	0	-	2	0
	Retail		-	-	8	3	2	-	- -	2	-	1	-	-	-	-
	Retail - Secured on real estate property	0,0%	-	-	2	1	-	-	- -	0	-	-	-	-	-	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	2	1	-	-	- -	0	-	-	-	-	-	-
France	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	-	-	-	-	- -	-	-	-	-	-	-	-
	Retail - Qualifying Revolving		-	-	-	-	-	-	- -	-	-	-	-	-	-	-
	Retail - Other Retail		-	-	6	2	2	-	- -	1	-	1	-	-	-	-
	Retail - Other Retail - Of Which: SME		-	-	6	2	-	-	- -	1	-	-	-	-	-	-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	2	-	- -	-	-	1	-	-	-	-
	Equity		-	-	-	-	0	-	- -	-	-	0	-	-	-	-
	Securitisation		4	-	-	-	-	-	0 -	-	-	-	-	-	-	-
	Other non-credit obligation assets		-	-	-	-	0	-	- -	-	-	0	-	-	-	-
	TOTAL		191	1	4.517	120	95	0	55 0	1.415	0	24	0 0	0 0	32	0 0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	- -	-	-	-	-	-	-	-

					Exposure values (as of 31/12/2012) **					RWA (as of 31/12/2012) **						Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB		STA		F-IRB	A-IRB		STA		F-IRB		A-IRB		STA
									Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		0	-	424	-	5	-	0 -	109	-	1	-		-		-		-
	Institutions		318	-	1.413	-	10	-	49 -	285	-	4	-		-		-		-
	Corporates		317	35	908	350	21	0	203 -	929	171	18	0		17		92		-
	Corporates - Of Which: Specialised Lending		54	24	170	246	-	-	76 -	111	21	-	-		10		41		-
	Corporates - Of Which: SME		79	3	54	5	21	0	80 -	57	-	18	0		2		6		-
	Retail		-	-	356	98	2	-	- -	234	-	1	-		-		30		-
	Retail - Secured on real estate property	0,0%	-	-	355	97	-	-	- -	233	-	-	-		-		30		-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	1	-	-	-	- -	0	-	-	-		-		-		-
United Kingdom	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	354	97	-	-	- -	233	-	-	-		-		30		-
	Retail - Qualifying Revolving		-	-	-	-	-	-	- -	-	-	-	-		-		-		-
	Retail - Other Retail		-	-	1	1	2	-	- -	0	-	1	-		-		-		-
	Retail - Other Retail - Of Which: SME		-	-	1	1	-	-	- -	0	-	-	-		-		-		-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	2	-	- -	-	-	1	-		-		-		-
	Equity		-	-	-	-	5	-	- -	-	-	7	-		-		-		-
	Securitisation		22	-	-	-	-	-	3 -	-	-	-	-		-		-		-
	Other non-credit obligation assets		18	-	-	-	1	-	22 -	-	-	0	-		-		-		-
	TOTAL		675	35	3.102	447	44	0	276 0	1.556	171	31	0	0	17	3	122	-	0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	- -	-	-	-	-		-		-		-

Notes and definitions

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

Notes and definitions

					Exposure values (as of 31/12/2012) **						RWA (as of 31/12/2012) **							Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB		STA		F-IRB		A-IRB		STA		F-IRB		A-IRB	STA
																		Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		19	-	987	-	18	-	2	-	66	-	-	-		-		-	-
	Institutions		160	-	267	-	76	-	12	-	50	-	15	-		-		-	-
	Corporates		715	51	1.865	249	-	-	646	-	804	-	-	-		39		97	-
	Corporates - Of Which: Specialised Lending		-	-	304	132	-	-	-	-	201	-	-	-		-		43	-
	Corporates - Of Which: SME		1	5	19	-	-	-	0	-	14	-	-	-		2		1	-
	Retail		-	-	1	-	-	-	-	-	1	-	-	-		-		-	-
	Retail - Secured on real estate property	0,0%	-	-	0	-	-	-	-	-	0	-	-	-		-		-	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	0	-	-	-	-	-	0	-	-	-		-		-	-
	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	-	-	-	-	-	-	-	-	-	-		-		-	-
U.S.	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	-	-	-		-		-	-
	Retail - Other Retail		-	-	1	-	-	-	-	-	1	-	-	-		-		-	-
	Retail - Other Retail - Of Which: SME		-	-	1	-	-	-	-	-	1	-	-	-		-		-	-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	-	-	-	-	-	-	-	-		-		-	-
	Equity		-	-	-	-	4	7	-	-	-	-	6	10		-		-	0
	Securitisation		135	-	-	-	-	-	12	-	-	-	-	-		-		-	-
	Other non-credit obligation assets		-	-	-	-	-	-	-	-	-	-	-	-		-		-	-
	TOTAL		1.029	51	3.120	249	98	7	672	0	921	0	21	10	229	39	0	97 -	0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	-	-	-		-		-	-

						Exposure values (as of 31/12/2012) **					RWA (as of 31/12/2012) **			Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB		STA		F-IRB		A-IRB	STA	F-IRB	A-IRB	STA
															Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		404	-	46	-	-	-	31	-	1	- - -	-		- -
	Institutions		38	-	301	0	-	-	12	-	91	2 - -	-		0 -
	Corporates		2.060	211	506	9	-	-	1.730	-	455	- - -	111		7 -
	Corporates - Of Which: Specialised Lending		302	13	145	-	-	-	291	-	134	- - -	4		- -
	Corporates - Of Which: SME		107	19	57	4	-	-	92	-	55	- - -	15		1 -
	Retail		-	-	18	6	-	-	-	-	8	- - -	-		- -
	Retail - Secured on real estate property	0,0%	-	-	9	2	-	-	-	-	3	- - -	-		- -
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	9	2	-	-	-	-	3	- - -	-		- -
Germany	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	-	-	-	-	-	-	-	- - -	-		- -
	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	- - -	-		- -
	Retail - Other Retail		-	-	9	3	-	-	-	-	5	- - -	-		- -
	Retail - Other Retail - Of Which: SME		-	-	9	3	-	-	-	-	5	- - -	-		- -
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	-	-	-	-	-	- - -	-		- -
	Equity		-	-	-	-	-	-	-	-	-	- - -	-		- -
	Securitisation		-	-	-	-	-	-	-	-	-	- - -	-		- -
	Other non-credit obligation assets		202	-	-	-	-	-	67	-	-	- - -	-		- -
	TOTAL		2.705	211	871	15	0	0	1.840	0	556	2 0 0	13 111	0	7 - 0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	- - -	-		- -

Notes and definitions

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

					Exposure values (as of 31/12/2012) **				RWA (as of 31/12/2012) **			Value adjustments and provisions (as of 31/12/2012) **
Counterparty Country (1)		LTV % ** (as of 31/12/2012)	F-IRB		A-IRB	STA	F-IRB		A-IRB	STA	F-IRB	A-IRB	STA
												Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		-	-	-	- - -	-	-	- -	-	-	- -		-
	Institutions		-	-	-	- - -	-	-	- -	-	-	- -		-
	Corporates		-	-	-	- - -	-	-	- -	-	-	- -		-
	Corporates - Of Which: Specialised Lending		-	-	-	- - -	-	-	- -	-	-	- -		-
	Corporates - Of Which: SME		-	-	-	- - -	-	-	- -	-	-	- -		-
	Retail		-	-	-	- - -	-	-	- -	-	-	- -		-
	Retail - Secured on real estate property	0,0%	-	-	-	- - -	-	-	- -	-	-	- -		-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	-	- - -	-	-	- -	-	-	- -		-
	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	-	- - -	-	-	- -	-	-	- -		-
#N/B	Retail - Qualifying Revolving		-	-	-	- - -	-	-	- -	-	-	- -		-
	Retail - Other Retail		-	-	-	- - -	-	-	- -	-	-	- -		-
	Retail - Other Retail - Of Which: SME		-	-	-	- - -	-	-	- -	-	-	- -		-
	Retail - Other Retail - Of Which: non-SME		-	-	-	- - -	-	-	- -	-	-	- -		-
	Equity		-	-	-	- - -	-	-	- -	-	-	- -		-
	Securitisation		-	-	-	- - -	-	-	- -	-	-	- -		-
	Other non-credit obligation assets		-	-	-	- - -	-	-	- -	-	-	- -		-
	TOTAL		0	0	0 0	0 0	0	0	0 0	0 0	-	0 - 0	-	0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	- - -	-	-	- -	-	-	- -		-

Notes and definitions

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

2013)
STA
defaulted I	Defaulted
	0
	182
	10
	138
	119
	12
	12
	107
	42
	65
	1
	1
75	302

2013)
STA
defaulted $\vert$	Defaulted
		8
		8
37		8

Notes and definitions

					Exposure values (as of 30/06/2013) **						RWA (as of 30/06/2013) **							Value adjustments and provisions (as of 30/06/2013) **
All couterparty countries		LTV % ** (as of 30/06/2013)	F-IRB		A-IRB		STA		F-IRB		A-IRB		STA		F-IRB		A-IRB		STA
																		Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		1.511	2	11.615	0	45.373	-	673	-	1.025	0	12	-		5		0	-
	Institutions		1.622	0	13.049	100	505		0 290	-	2.109	315	226	-		-		71	0
	Corporates		8.163	2.712	49.334	3.869	4.978	290	7.397	-	21.790	451	4.650	260		1.256		1.502	182
	Corporates - Of Which: Specialised Lending		1.030	1.367	6.511	1.266	396	15	1.162	-	3.370	-	401	18		597		303	10
	Corporates - Of Which: SME		1.764	656	14.343	1.272	2.486	178	1.764	-	5.247	211	2.398	221		302		422	138
	Retail		0	-	67.426	4.616	4.402	104	0	-	12.031	133	2.634	64		-		1.886	119
	Retail - Secured on real estate property	77,1%	-	-	56.265	4.127	2.156	41	-	-	9.236	-	942	41		-		1.371	12
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	6.551	312	379	-	-	-	517	-	207	-		-		-	-
KBC BANK	Retail - Secured on real estate property - Of Which: non-SME	77,1%	-	-	49.714	3.815	1.777	41	-	-	8.719	-	734	41		-		1.371	12
	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	-	-	-		-		-	-
	Retail - Other Retail		0	-	11.161	489	2.246	63	0	-	2.795	133	1.692	23		-		515	107
	Retail - Other Retail - Of Which: SME		-	-	6.748	307	851	48	-	-	1.706	44	652	5		-		374	42
	Retail - Other Retail - Of Which: non-SME		0	-	4.413	181	1.395	15	0	-	1.089	90	1.040	17		-		142	65
	Equity		-	-	-	-	238		2 -	-	-	-	279	3		-		-	1
	Securitisation		1.797	-	-	-	-	-	959	-	-	-	-	-		-		-	-
	Other non-credit obligation assets		548	-	8.878	-	956	-	814	-	5.183	-	627	-		-		-	1
	TOTAL		13.641	2.714	150.301	8.585	56.452	396	10.133	0	42.138	900	8.427	326	308	1.261	411	3.460	75 302
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	-	-	-		-		-	-

				Exposure values (as of 30/06/2013) **						RWA (as of 30/06/2013) **				Value adjustments and provisions (as of 30/06/2013) **
Counterparty Country (1)		LTV % ** (as of 30/06/2013)	F-IRB	A-IRB		STA		F-IRB		A-IRB	STA	F-IRB	A-IRB	STA
										Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		349	- 3.354	0	27.783	-	26	-	319 0	3	-	-	-	-
	Institutions		3	- 687	0	137	-	0	-	26 -	48	-	-	-	-
	Corporates		907	221 28.925	1.760	2.345	103	936	-	12.138 -	2.208	84	108	571	8
	Corporates - Of Which: Specialised Lending		8	- 2.671	279	-	-	4	-	1.118 -	-	-	-	38	-
	Corporates - Of Which: SME		151	73 10.636	1.039	1.622	56	161	-	4.058 -	1.605	83	37	374	8
	Retail		-	- 45.389	840	714	-	-	-	3.605 -	450	-	-	516	-
	Retail - Secured on real estate property	62,1%	-	- 36.105	495	343	-	-	-	1.674 -	171	-	-	115	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	- 6.526	308	343	-	-	-	512 -	171	-	-	-	-
	Retail - Secured on real estate property - Of Which: non-SME	62,1%	-	- 29.579	187	-	-	-	-	1.162 -	-	-	-	115	-
Belgium	Retail - Qualifying Revolving		-	- -	-	-	-	-	-	- -	-	-	-	-	-
	Retail - Other Retail		-	- 9.284	346	371	-	-	-	1.932 -	278	-	-	402	-
	Retail - Other Retail - Of Which: SME		-	- 6.703	300	-	-	-	-	1.684 -	-	-	-	374	-
	Retail - Other Retail - Of Which: non-SME		-	- 2.581	45	371	-	-	-	248 -	278	-	-	28	-
	Equity		-	- -	-	172	-	-	-	- -	195	-	-	-	-
	Securitisation		249	- -	-	-	-	32	-	- -	-	-	-	-	-
	Other non-credit obligation assets		22	- 7.834	-	488	-	28	-	3.361 -	301	-	-	-	-
	TOTAL		1.530	221 86.189	2.601	31.638	103	1.023	0	19.449 0	3.205	84 4	108 225	1.087 37	8
	Securitisation and re-securitisations positions deducted from capital *		-	- -	-	-	-	-	-	- -	-	-	-	-	-

Notes and definitions

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

$\overline{**}$ 2013)
STA
defaulted	Defaulted
99
	0
	13
	29
	29
	29
4	42

Notes and definitions

					Exposure values (as of 30/06/2013) **						RWA (as of 30/06/2013) **				Value adjustments and provisions (as of 30/06/2013) **
(1) Counterparty Country		LTV % ** (as of 30/06/2013)	F-IRB		A-IRB		STA		F-IRB		A-IRB		STA	F-IRB	A-IRB	STA
																Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		98	-	2.041	-	12.169	-	1	-	88	-	-	-	-	-	-
	Institutions		649	-	1.270	-	49	0	58	-	82	1	13	-	-	8	0
	Corporates		511	5	7.708	343	470	31	217	-	2.724	429	453	-	1	212	13
	Corporates - Of Which: Specialised Lending		23	1	1.164	101	-	-	26	-	680	-	-	-	-	2	-
	Corporates - Of Which: SME		18	0	2.990	175	8	-	11	-	874	195	8	-	-	-	-
	Retail		0	-	10.946	492	541	43	0	-	3.100	133	412	-	-	221	29
	Retail - Secured on real estate property	66,0%	-	-	9.225	367	-	-	-	-	2.330	-	-	-	-	118	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
	Retail - Secured on real estate property - Of Which: non-SME	66,0%	-	-	9.225	367	-	-	-	-	2.330	-	-	-	-	118	-
Czech Republic	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
	Retail - Other Retail		0	-	1.720	125	541	43	0	-	770	133	412	-	-	102	29
	Retail - Other Retail - Of Which: SME		-	-	6	-	530	43	-	-	8	44	404	-	-	-	29
	Retail - Other Retail - Of Which: non-SME		0	-	1.714	125	11	-	0	-	762	90	8	-	-	102	-
	Equity		-	-	-	-	19	1	-	-	-	-	19	1	-	-	-
	Securitisation		-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
	Other non-credit obligation assets		-	-	1.032	-	199	-	-	-	1.754	-	187	-	-	-	-
	TOTAL		1.259	5	22.996	835	13.447	75	276	0	7.748	564	1.084	1 1	1 32	441 4	42
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

LTV % ** (as of Counterparty Country (1) F-IRB A-IRB STA F-IRB A-IRB STA 30/06/2013) Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Central banks and central governments 389 - - - - - 263 - - - -	- -	F-IRB A-IRB - -	STA -
Institutions 35 - 15 - - - 31 - 6 - -		- -	-
Corporates 1.369 1.758 789 37 - - 1.660 - 252 - -	-	777 24	-
Corporates - Of Which: Specialised Lending 634 1.162 171 - - - 792 - 101 - -	-	537 24	-
Corporates - Of Which: SME 525 477 6 - - - 641 - 6 - -	-	195 -	-
Retail - - 9.024 2.823 22 - - - 4.049 - 16	-	- 898	-
Retail - Secured on real estate property 100,0% - - 9.024 2.823 - - - - 4.049 - -	-	- 898	-
Retail - Secured on real estate property - Of Which: SME 0,0% - - - - - - - - - - -	-	- -	-
Retail - Secured on real estate property - Of Which: non-SME 100,0% - - 9.024 2.823 - - - - 4.049 - -	-	- 898	-
Ireland Retail - Qualifying Revolving - - - - - - - - - - -	-	- -	-
Retail - Other Retail - - 0 - 22 - - - 0 - 16	-	- -	-
Retail - Other Retail - Of Which: SME - - 0 - - - - - 0 - -	-	- -	-
Retail - Other Retail - Of Which: non-SME - - - - 22 - - - - - 16	-	- -	-
Equity - - - - 0 - - - - - 0	-	- -	-
Securitisation 143 - - - - - 193 - - - -	-	- -	-
Other non-credit obligation assets 174 - 11 - - - 205 - 68 - -	-	- -	-
TOTAL 2.111 1.758 9.840 2.860 22 0 2.352 0 4.375 0 16	0	210 777 111 922	2 0
Securitisation and re-securitisations positions deducted from capital * - - - - - - - - - - -	-	- -	-

Notes and definitions

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

2013)
STA
defined	Defaulted
	0
	40
	40
	40
4	40

2013)
STA
defaulted :	Defaulted
4
	0
	60
	10
	$\frac{29}{2}$
	50
	12
	$\overline{12}$
	38
	$\overline{13}$
	25
	1
	1
10	111

Notes and definitions

					Exposure values (as of 30/06/2013) **					RWA (as of 30/06/2013) **							Value adjustments and provisions (as of 30/06/2013) **
(1) Counterparty Country		LTV % ** (as of 30/06/2013)	F-IRB		A-IRB		STA		F-IRB	A-IRB		STA		F-IRB		A-IRB	STA
									Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		231	2	2	-	3.651	-	266	-	0 -	1	-		5		-	-
	Institutions		222	0	4	-	-	-	75	-	0 -	-	-		-		-	-
	Corporates		2.123	213	136	-	67	-	1.798	- 58	-	67	-		116		0	0
	Corporates - Of Which: Specialised Lending		-	-	131	-	-	-	-	- 47	-	-	-		-		-	-
	Corporates - Of Which: SME		872	79	-	-	-	-	751	- -	-	-	-		51		0	-
	Retail		-	-	1.703	342	147	6	-	- 1.113	-	110	6		-		214	40
	Retail - Secured on real estate property	82,3%	-	-	1.584	331	-	-	-	- 1.033	-	-	-		-		205	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	-	-	-	-	-	- -	-	-	-		-		-	-
	Retail - Secured on real estate property - Of Which: non-SME	82,3%	-	-	1.584	331	-	-	-	- 1.033	-	-	-		-		205	-
Hungary	Retail - Qualifying Revolving		-	-	-	-	-	-	-	- -	-	-	-		-		-	-
	Retail - Other Retail		-	-	119	11	147	6	-	- 80	-	110	6		-		9	40
	Retail - Other Retail - Of Which: SME		-	-	0	-	-	-	-	-	0 -	-	-		-		-	-
	Retail - Other Retail - Of Which: non-SME		-	-	119	11	147	6	-	- 79	-	110	6		-		9	40
	Equity		-	-	-	-	-	-	-	- -	-	-	-		-		-	-
	Securitisation		-	-	-	-	-	-	-	- -	-	-	-		-		-	-
	Other non-credit obligation assets		317	-	-	-	-	-	453	- -	-	-	-		-		-	-
	TOTAL		2.894	215	1.845	342	3.865	6	2.592 0	1.171	0	177	6	3	122	34	215 4	40
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	- -	-	-	-		-		-	-

				Exposure values (as of 30/06/2013) **					RWA (as of 30/06/2013) **			Value adjustments and provisions (as of 30/06/2013) **
Counterparty Country (1)		LTV % ** (as of 30/06/2013)	F-IRB	A-IRB		STA		F-IRB	A-IRB	STA	F-IRB	A-IRB	STA
											Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		- -	502	-	1.540	-	- -	41 -	-	-	- -		-
	Institutions		2 -	17	-	208	-	0 -	2 -	123	-	- -		0
	Corporates		0 -	207	0	1.615	53	0 -	76 -	1.513	61	- 1		60
	Corporates - Of Which: Specialised Lending		- -	18	-	396	15	- -	23 -	401	18	- 1		10
	Corporates - Of Which: SME		- -	16	0	485	20	- -	1 -	485	24	- -		29
	Retail		- -	0	0	2.654	55	- -	0 -	1.421	57	- -		50
	Retail - Secured on real estate property	57,8%	- -	-	-	1.705	41	- -	- -	709	41	- -		12
	Retail - Secured on real estate property - Of Which: SME	0,0%	- -	-	-	-	-	- -	- -	-	-	- -		-
	Retail - Secured on real estate property - Of Which: non-SME	57,8%	- -	-	-	1.705	41	- -	- -	709	41	- -		12
Slovakia	Retail - Qualifying Revolving		- -	-	-	-	-	- -	- -	-	-	- -		-
	Retail - Other Retail		- -	0	0	949	14	- -	0 -	712	16	- -		38
	Retail - Other Retail - Of Which: SME		- -	0	-	321	4	- -	0 -	241	5	- -		13
	Retail - Other Retail - Of Which: non-SME		- -	-	0	627	10	- -	- -	471	11	- -		25
	Equity		- -	-	-	0	-	- -	- -	0	-	- -		1
	Securitisation		- -	-	-	-	-	- -	- -	-	-	- -		-
	Other non-credit obligation assets		- -	-	-	197	-	- -	- -	90	-	- -		1
	TOTAL		2 0	726	0	6.215	108	0 0	119 0	3.147	118 0 0	0 1	10	111
	Securitisation and re-securitisations positions deducted from capital *		- -	-	-	-	-	- -	- -	-	-	- -		-

Notes and definitions

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

2013) **
STA
defaulted	Defaulted
O	$\bf{0}$

Notes and definitions

					Exposure values (as of 30/06/2013) **					RWA (as of 30/06/2013) **			Value adjustments and provisions (as of 30/06/2013) **
(1) Counterparty Country		LTV % ** (as of 30/06/2013)	F-IRB		A-IRB		STA	F-IRB		A-IRB	STA	F-IRB	A-IRB	STA
													Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		28	-	1.888	-	0 -	2	-	92 -	- -		-	-	-
	Institutions		132	-	1.029	-	9 -	29	-	227 -	2 -		-	-	-
	Corporates		27	1	1.756	132	78 -	32	-	943 -	19 -		- 16		-
	Corporates - Of Which: Specialised Lending		-	1	199		6 - -	-	-	177 -	- -		-	2	-
	Corporates - Of Which: SME		-	-	133		8 78 -	-	-	82 -	19 -		-	2	-
	Retail		-	-	9		3 2 -	-	-	2 -	2 -		-	-	-
	Retail - Secured on real estate property	0,0%	-	-	2		1 - -	-	-	0 -	- -		-	-	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	2		1 - -	-	-	0 -	- -		-	-	-
France	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	-	-	- -	-	-	- -	- -		-	-	-
	Retail - Qualifying Revolving		-	-	-	-	- -	-	-	- -	- -		-	-	-
	Retail - Other Retail		-	-	7		2 2 -	-	-	2 -	2 -		-	-	-
	Retail - Other Retail - Of Which: SME		-	-	7		2 - -	-	-	2 -	- -		-	-	-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	2 -	-	-	- -	2 -		-	-	-
	Equity		-	-	-	-	0 -	-	-	- -	0 -		-	-	-
	Securitisation		-	-	-	-	- -	-	-	- -	- -		-	-	-
	Other non-credit obligation assets		-	-	-	-	0 -	-	-	- -	0 -		-	-	-
	TOTAL		187	1	4.682	135	90 0	64	0	1.264 0	23 0	0 0	0 16	0	0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	- -	-	-	- -	- -		-	-	-

					Exposure values (as of 30/06/2013) **						RWA (as of 30/06/2013) **				Value adjustments and provisions (as of 30/06/2013) **
Counterparty Country (1)		LTV % ** (as of 30/06/2013)	F-IRB		A-IRB		STA		F-IRB		A-IRB	STA	F-IRB		A-IRB	STA
															Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		-	-	352	-	2	-		- -	64	- 0	-		- -		-
	Institutions		215	-	1.256	-	7	-		27 -	274	- 3	-		- -		-
	Corporates		272	35	809	319	12	0	202	-	542	7 9	0		19 95		-
	Corporates - Of Which: Specialised Lending		49	23	144	211	-	-		67 -	65	- -	-		11 40		-
	Corporates - Of Which: SME		72	4	45	4	12	0		96 -	13	- 9	0		2 5		-
	Retail		-	-	304	108	1	-		- -	145	- 0	-		- 34		-
	Retail - Secured on real estate property	0,0%	-	-	302	108	-	-		- -	145	- -	-		- 34		-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	1	-	-	-		- -	0	- -	-		- -		-
United Kingdom	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	302	108	-	-		- -	145	- -	-		- 34		-
	Retail - Qualifying Revolving		-	-	-	-	-	-		- -	-	- -	-		- -		-
	Retail - Other Retail		-	-	1	1	1	-		- -	0	- 0	-		- -		-
	Retail - Other Retail - Of Which: SME		-	-	1	1	-	-		- -	0	- -	-		- -		-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	1	-		- -	-	- 0	-		- -		-
	Equity		-	-	-	-	1	-		- -	-	- 1	-		- -		-
	Securitisation		19	-	-	-	-	-		2 -	-	- -	-		- -		-
	Other non-credit obligation assets		17	-	-	-	1	-		20 -	-	- 1	-		- -		-
	TOTAL		522	35	2.720	428	25	0	252	0	1.026	7 15	0	0	19 4 129	-	0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-		- -	-	- -	-		- -		-

Notes and definitions

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

2013) $\star\star$
STA
defaulted İ	Defaulted
Ī,
		0
		0

Notes and definitions

					Exposure values (as of 30/06/2013) **					RWA (as of 30/06/2013) **					Value adjustments and provisions (as of 30/06/2013) **
(1) Counterparty Country		LTV % ** (as of 30/06/2013)	F-IRB		A-IRB		STA		F-IRB	A-IRB		STA		F-IRB		A-IRB	STA
									Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		19	-	1.030	-	18		- 2	- 46	-	-	-		-		-	-
	Institutions		159	-	129	-	45		- 12	- 24	-	9	-		-		-	-
	Corporates		365	49	1.727	259	-		- 521	- 581	-	-	-		40		70	-
	Corporates - Of Which: Specialised Lending		-	-	207	149	-		- -	- 41	-	-	-		-		21	-
	Corporates - Of Which: SME		-	5	21	-	-		- -	-	7 -	-	-		2		1	-
	Retail		-	-	2	-	-		- -	-	1 -	-	-		-		-	-
	Retail - Secured on real estate property	0,0%	-	-	0	-	-		- -	-	0 -	-	-		-		-	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	0	-	-		- -	-	0 -	-	-		-		-	-
U.S.	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	-	-	-		- -	- -	-	-	-		-		-	-
	Retail - Qualifying Revolving		-	-	-	-	-		- -	- -	-	-	-		-		-	-
	Retail - Other Retail		-	-	1	-	-		- -	-	1 -	-	-		-		-	-
	Retail - Other Retail - Of Which: SME		-	-	1	-	-		- -	-	1 -	-	-		-		-	-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	-		- -	- -	-	-	-		-		-	-
	Equity		-	-	-	-	12		- -	- -	-	18	-		-		-	0
	Securitisation		133	-	-	-	-		- 12	- -	-	-	-		-		-	-
	Other non-credit obligation assets		-	-	-	-	-		- -	- -	-	-	-		-		-	-
	TOTAL		675	49	2.887	259	75	0	547 0	651	0	27	0	77	40	0	70 -	0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-		- -	- -	-	-	-		-		-	-

					Exposure values (as of 30/06/2013) **						RWA (as of 30/06/2013) **					Value adjustments and provisions (as of 30/06/2013) **
Counterparty Country (1)		LTV % ** (as of 30/06/2013)	F-IRB		A-IRB		STA		F-IRB		A-IRB		STA	F-IRB		A-IRB	STA
													Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		173	-	176	-	0	-	8	-	6	-	0 -		-		-	-
	Institutions		31	-	303	0	5	-	10	-	106	2	5 -		-		0	-
	Corporates		1.986	199	434	11	135	-	1.638	-	280	-	135 -		117		7	-
	Corporates - Of Which: Specialised Lending		259	20	135	-	-	-	228	-	124	-	- -		4		-	-
	Corporates - Of Which: SME		123	18	51	4	135	-	102	-	24	-	135 -		14		1	-
	Retail		-	-	17	5	2	-	-	-	7	-	2 -		-		-	-
	Retail - Secured on real estate property	0,0%	-	-	8	2	-	-	-	-	3	-	- -		-		-	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	8	2	-	-	-	-	3	-	- -		-		-	-
Germany	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	-	-	-	-	-	-	-	-	- -		-		-	-
	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	-	- -		-		-	-
	Retail - Other Retail		-	-	8	4	2	-	-	-	4	-	2 -		-		-	-
	Retail - Other Retail - Of Which: SME		-	-	8	4	-	-	-	-	4	-	- -		-		-	-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	2	-	-	-	-	-	2 -		-		-	-
	Equity		-	-	-	-	-	-	-	-	-	-	- -		-		-	-
	Securitisation		-	-	-	-	-	-	-	-	-	-	- -		-		-	-
	Other non-credit obligation assets		18	-	-	-	-	-	107	-	-	-	- -		-		-	-
	TOTAL		2.208	199	929	17	142	0	1.763	0	399	2	142 0	13	117	0	8 -	0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	-	- -		-		-	-

Notes and definitions

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

** As explained in the Guidelines

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

					Exposure values (as of 30/06/2013) **						RWA (as of 30/06/2013) **						Value adjustments and provisions (as of 30/06/2013) **
(1) Counterparty Country		LTV % ** (as of 30/06/2013)	F-IRB		A-IRB		STA		F-IRB		A-IRB		STA		F-IRB	A-IRB		STA
													Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted Non-defaulted Defaulted
	Central banks and central governments		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Institutions		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Corporates		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Corporates - Of Which: Specialised Lending		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Corporates - Of Which: SME		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Secured on real estate property	0,0%	-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Secured on real estate property - Of Which: SME	0,0%	-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Secured on real estate property - Of Which: non-SME	0,0%	-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
#N/B	Retail - Qualifying Revolving		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Other Retail		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Other Retail - Of Which: SME		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Retail - Other Retail - Of Which: non-SME		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Equity		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Securitisation		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	Other non-credit obligation assets		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-
	TOTAL		0	0	0	0	0	0	0	0	0	0	0 0		- 0	-	0	- 0
	Securitisation and re-securitisations positions deducted from capital *		-	-	-	-	-	-	-	-	-	-	-	-	-		-	-

Notes and definitions

Explanatory footnotes

1) Breakdown by country of counterparty according to the minimum of: i) 90% of total EAD ii) top 10 countries in terms of exposure

* Refers to the part of Securitization exposure that is deducted from capital and is not included in RWA

3. SECURITISATION SUMMARY Period 0 0 0 0

(in million Euro)	dec-12	jun-13
	Exposure Value as of 31/12/2012	Exposure Value as of 30/06/2013
Banking Book	2.023	1.797
Trading Book (excl. correlation trading)	2.563	965
Correlation Trading Portfolio	0	0
Total	4.586	2.762

Explanatory footnotes

4. MARKET RISK Period 0 0 0 0

		31-12-12		30-06-13
		TOTAL RISK EXPOSURE AMOUNT		TOTAL RISK EXPOSURE AMOUNT
	SA	IM	SA	IM
Traded Debt Instruments	753	0	604	0
TDI - General risk	494	2.461	320	3.032
TDI - Specific risk	259	498	284	410
Equities	147	0	106	0
Equities - General risk	138	0	101	0
Equities - Specific risk	9	76	5	161
Foreign exchange risk	135	387	155	525
Commodities risk	28	0	31	0

Explanatory footnotes

as of 31 December 2012 dec-12 Country Maturity 0

BE005 KBC BANK

(in million Euro)		300100	300101	300200	300201	300202	300203	300300	300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		117	0	117	0	0	-20	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		117	0	117	0	0	-20	0	0
[ 0 - 3M ]		1.497	0	1.497	1.296	0	194	0	0
[ 3M - 1Y ]		1.368	53	1.315	723	0	512	0	0
[ 1Y - 2Y ]		2.569	46	2.523	2.096	115	51	0	0
[ 2Y - 3Y ]	Belgium	1.927	18	1.910	1.050	104	49	0	0
[3Y - 5Y ]		4.553	33	4.520	779	43	-67	0	0
[5Y - 10Y ]		8.776 3.205	116 2.262	8.660 943	1.122 45	202 47	77 6	0 0	0 0
[10Y - more ] Total		23.894	2.528	21.366	7.112	512	822	0	0
[ 0 - 3M ]		5	0	5	5	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		6	0	6	6	0	0	0	0
[ 2Y - 3Y ]		3	0	3	3	0	0	0	0
[3Y - 5Y ]	Bulgaria	54	0	54	54	0	0	0	0
[5Y - 10Y ]		11	0	11	11	0	0	0	0
[10Y - more ]		7	7	0	0	0	0	0	0
Total		88	7	81	81	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Cyprus	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		443	0	443	0	0	407	0	0
[ 3M - 1Y ]		570	0	570	100	0	232	0	0
[ 1Y - 2Y ]		719	0	719	192	46	194	0	0
[ 2Y - 3Y ]		833	0	833	164	18	75	0	0
[3Y - 5Y ]	Austria Czech Republic	1.127	0	1.127	380	0	14	0	0
[5Y - 10Y ]		4.068	0	4.068	844	0	16	0	0
[10Y - more ]		1.115	281	834	77	0	30	0	0
Total		8.874	281	8.593	1.756	64	967	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		8	0	8	8	0	0	0	0
[ 2Y - 3Y ]	Denmark	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		8	0	8	8	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ] [ 2Y - 3Y ]		0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
[3Y - 5Y ]	Estonia	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		1	0	1	0	0	1	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Finland	4	0	4	4	0	0	0	0
[3Y - 5Y ]		39	0	39	39	0	0	0	0
[5Y - 10Y ]		22	0	22	22	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		66	0	66	65	0	1	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		25	0	25	0	0	23	0	0
[ 3M - 1Y ]		9	0	9	0	0	6	0	0
[ 1Y - 2Y ]		185	0	185	184	0	0	0	0
[ 2Y - 3Y ]	Austria France	153	0	153	152	0	1	0	0
[3Y - 5Y ]		158	0	158	23	0	127	0	0
[5Y - 10Y ]		674	0	674	22	0	119	0	0
[10Y - more ]		687	0	687	0	0	0	0	0
Total		1.889	0	1.889	381	0	276	0	0
[ 0 - 3M ]		-44	0	-44	0	0	-44	-0	0
[ 3M - 1Y ]		88	0	88	0	0	85	0	0
[ 1Y - 2Y ]		3	0	3	0	0	3	0	0
[ 2Y - 3Y ]	Germany	37	0	37	0	0	36	0	0
[3Y - 5Y ]		143	0	143	30	0	113	0	0
[5Y - 10Y ]		83	0	83	0	15	67	0	0
[10Y - more ]		1	0	1	0	0	0	0	0
Total		311	0	311	30	15	259	-0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Greece	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ] [ 3M - 1Y ]		1.277 478	0 0	1.277 478	882 17	50 0	207 151	0 0	0 0
[ 1Y - 2Y ]		222	0	222	31	0	12	0	0
[ 2Y - 3Y ]		347	0	347	46	0	29	0	0
[3Y - 5Y ]	Hungary	456	0	456	1	0	25	0	0
[5Y - 10Y ]		351	0	351	0	0	-21	0	0
[10Y - more ]		486	309	177	0	0	-4	0	0
Total		3.617	309	3.308	977	50	399	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Iceland	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Ireland	0	0	0	0	0	0	0	0
[3Y - 5Y ]		41	0	41	0	0	0	0	0
[5Y - 10Y ]		251	0	251	121	0	0	0	0
[10Y - more ]		92	42	50	0	0	0	0	0
Total [ 0 - 3M ]		384 33	42 0	342 33	121 0	0 0	0 8	0 0	0 0
[ 3M - 1Y ]		1	0	1	0	0	1	0	0
[ 1Y - 2Y ]		8	0	8	0	0	8	0	0
[ 2Y - 3Y ]		15	0	15	0	0	14	0	0
[3Y - 5Y ]	Italy	-1	0	-1	0	0	-3	0	0
[5Y - 10Y ]		379	0	379	331	0	0	0	0
[10Y - more ]		180	0	180	180	0	0	0	0
Total		615	0	615	511	0	29	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Latvia	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Liechtenstein	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Lithuania	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
[ 0 - 3M ] [ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]	Luxembourg	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]	Malta	0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		1	0	1	0	0	1	0	0
[ 3M - 1Y ]		1	0	1	0	0	1	0	0
[ 1Y - 2Y ]		2	0	2	0	0	2	0	0
[ 2Y - 3Y ]		21	0	21	21	0	1	0	0
[3Y - 5Y ]	Austria Netherlands	29	0	29	27	0	3	0	0
[5Y - 10Y ]		17	0	17	16	0	0	0	0
[10Y - more ]		11	0	11	0	0	5	0	0
Total		81	0	81	63	0	12	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]	Norway	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		18	0	18	0	0	3	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		4	0	4	0	0	1	0	0
[ 2Y - 3Y ]	Poland	14	0	14	0	0	14	0	0
[3Y - 5Y ]		97	0	97	92	0	6	0	0
[5Y - 10Y ]		10	0	10	0	0	4	0	0
[10Y - more ]		4	0	4	0	0	4	0	0
Total		148	0	148	92	0	31	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]	Portugal	0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		35	0	35	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		35	0	35	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Romania	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		105	0	105	0	0	86	0	0
[ 3M - 1Y ]		53	0	53	9	0	27	0	0
[ 1Y - 2Y ]		136	0	136	13	19	3	0	0
[ 2Y - 3Y ]	Slovakia	72	0	72	51	0	1	0	0
[3Y - 5Y ]		406	0	406	146	0	73	0	0
[5Y - 10Y ]		321	0	321	29	0	20	0	0
[10Y - more ] Total		384	129	255	2	0	5	0	0
[ 0 - 3M ]		1.478 0	129 0	1.349 0	251 0	19 0	215 0	0 0	0 0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		32	0	32	1	22	9	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]	Slovenia	26	0	26	4	2	20	0	0
[5Y - 10Y ]		20	0	20	5	0	15	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		77	0	77	10	24	43	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Spain	1	0	1	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		2	0	2	0	0	1	0	0
[10Y - more ]		244	0	244	244	0	0	0	0
Total		248	0	248	244	0	1	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria	0	0	0	0	0	0	0	0
[3Y - 5Y ]	Sweden	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		-15	0	-15	0	0	-15	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	United Kingdom	2	2	0	0	0	0	0	0
[3Y - 5Y ]		4	4	0	0	0	0	0	0
[5Y - 10Y ]		1	1	-0	0	0	-0	0	0
[10Y - more ]		377	365	12	0	0	12	0	0
Total		369	372	-3	0	0	-3	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Australia	0	0	0	0	0	0	0	0
[3Y - 5Y ] [5Y - 10Y ]		0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Canada	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		1	0	1	0	0	1	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		49	0	49	0	0	39	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria	0	0	0	0	0	0	0	0
[3Y - 5Y ]	Hong Kong	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		49	0	49	0	0	39	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Japan	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		56	0	56	0	0	56	0	0
[ 3M - 1Y ]		140	140	0	0	0	0	0	0
[ 1Y - 2Y ]		532 164	532 164	0 0	0 0	0 0	0 0	0 0	0 0
[ 2Y - 3Y ] [3Y - 5Y ]	U.S.	241	238	2	0	0	2	0	0
[5Y - 10Y ]		23	23	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		1.156	1.097	59	0	0	59	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]	Switzerland	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity		GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)			(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		11	0	11	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]	Other	0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	advanced Austria	0	0	0	0	0	0	0	0
[3Y - 5Y ]	economies non	0	0	0	0	0	0	0	0
[5Y - 10Y ]	EEA	0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		11	0	11	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]	Other Central	0	0	0	0	0	0	0	0
[ 1Y - 2Y ]	and Eastern	0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Europe	0	0	0	0	0	0	0	0
[3Y - 5Y ]	countries non	0	0	0	0	0	0	0	0
[5Y - 10Y ]	EEA	0	0	0	0	0	0	0	0
[10Y - more ] Total		3	3	0	0	0	0	0	0
		3 0	3 0	0 0	0 0	0 0	0 0	0 0	0 0
[ 0 - 3M ] [ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]	Middle East	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Latin America and the	0	0	0	0	0	0	0	0
[3Y - 5Y ]	Caribbean	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

as of 31 December 2012 dec-12 Country Maturity 0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterparties	NET DIRECT POSITIONS only where there is a maturity matching) (1)		DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Africa	3	3	0	0	0	0	0	0
[3Y - 5Y ]		8	8	0	0	0	0	0	0
[5Y - 10Y ]		135	135	0	0	0	0	0	0
[10Y - more ]		46	46	0	0	0	0	0	0
Total		192	192	0	0	0	0	0	0
[ 0 - 3M ]		22	0	22	0	0	22	0	0
[ 3M - 1Y ]		2	0	2	0	0	2	0	0
[ 1Y - 2Y ]		104	0	104	0	0	104	0	0
[ 2Y - 3Y ]	Others	1	0	1	0	0	1	0	0
[3Y - 5Y ]		19	1	18	16	0	3	0	0
[5Y - 10Y ]		74	69	5	0	0	5	0	0
[10Y - more ]		1	0	1	0	0	1	0	0
Total		224	70	153	16	0	138	0	0

TOTAL EEA 30 42.299 3.667 38.632	11.701 684	3.033	0	0
-------------------------------------------	---------------	-------	---	---

(2) The banks disclose the exposures in the "Financial assets held for trading" portfolio after offsetting the cash short positions having the same maturities.

(3) The exposures reported include the positions towards counterparts (other than sovereign) on sovereign credit risk (i.e. CDS, financial guarantees) booked in all the accounting portfolio (on-off balance sheet). Irrespective of the denomination and or accounting classification of the positions the economic substance over the form must be used as a criteria for the identification of the exposures to be included in this column. This item does not include exposures to counterparts (other than sovereign) with full or partial government guarantees by central, regional and local governments.

Notes and definitions

(1) The exposures reported cover only exposures to central, regional and local governments on immediate borrower basis, and do not include exposures to other counterparts with full or partial government guarantees

as of 30 June 2013 jun-13 Country Maturity 0

BE005 KBC BANK

(in million Euro)		300100	300101	300200	300201	300202	300203	300300	300400
Residual Maturity	Country /	GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)			(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria	0	0	0	0	0	0	0	0
[3Y - 5Y ]		23	0	23	0	0	0	0	0
[5Y - 10Y ]		285	0	285	73	58	17	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		308	0	308	73	58	17	0	0
[ 0 - 3M ]		971	3	968	716	0	158	0	0
[ 3M - 1Y ]		2.419	17	2.402	1.675	91	543	0	0
[ 1Y - 2Y ]		1.799	21	1.778	1.191	65	21	0	0
[ 2Y - 3Y ]	Belgium	1.400	35	1.365	751	63	2	0	0
[3Y - 5Y ]		5.254	0	5.254	349	12	53	0	0
[5Y - 10Y ]		7.516 3.325	125 2.341	7.391 983	582 62	20 0	83 39	0 0	0 0
[10Y - more ] Total		22.683	2.541	20.142	5.325	251	899	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		6	0	6	6	0	0	0	0
[ 1Y - 2Y ]		3	0	3	3	0	0	0	0
[ 2Y - 3Y ]		15	0	15	15	0	0	0	0
[3Y - 5Y ]	Bulgaria	40	0	40	40	0	0	0	0
[5Y - 10Y ]		14	0	14	14	0	0	0	0
[10Y - more ]		11	8	4	4	0	0	0	0
Total		91	8	83	83	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Cyprus	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		327	0	327	104	0	223	0	0
[ 3M - 1Y ]		528	0	528	56	0	306	-0	0
[ 1Y - 2Y ]		909	0	909	308	15	87	0	0
[ 2Y - 3Y ]	Austria Czech Republic	582	0	582	280	0	111	0	0
[3Y - 5Y ]		1.225	0	1.225	314	0	94	0	0
[5Y - 10Y ]		4.033	0	4.033	1.228	0	-24	0	0
[10Y - more ]		1.419	253	1.166	275	0	190	0	0
Total		9.025	253	8.772	2.565	15	987	-0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		8	0	8	8	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Denmark	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
[10Y - more ] Total		8	0	8	8	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]	Estonia	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Finland	44	0	44	44	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		24	0	24	0	0	0	0	0
[10Y - more ] Total		0 67	0 0	0 67	0 44	0 0	0 0	0 0	0 0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		6	0	6	0	0	6	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		356	0	356	334	0	22	0	0
[ 2Y - 3Y ]	Austria France	0	0	0	0	0	0	0	0
[3Y - 5Y ]		154	0	154	1	0	121	0	0
[5Y - 10Y ]		778	0	778	164	0	8	0	0
[10Y - more ]		679	24	655	0	0	-30	0	0
Total		1.973	24	1.949	499	0	128	0	0
[ 0 - 3M ]		251	0	251	0	0	251	0	0
[ 3M - 1Y ]		4	0	4	0	0	3	0	0
[ 1Y - 2Y ]		18	0	18	0	0	18	0	0
[ 2Y - 3Y ]	Germany	7	0	7	0	0	6	0	0
[3Y - 5Y ]		125	0	125	20	0	105	0	0
[5Y - 10Y ] [10Y - more ]		151 21	0 0	151 21	72 20	15 0	63 1	0 0	0 0
Total		577	0	577	111	15	447	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Greece	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		1.497	0	1.497	1.317	0	181	0	0
[ 3M - 1Y ]		606	0	606	35	0	134	0	0
[ 1Y - 2Y ]		292	0	292	45	0	30	0	0
[ 2Y - 3Y ]	Hungary	409	0	409	0	0	26	0	0
[3Y - 5Y ] [5Y - 10Y ]		242 378	0 0	242 378	0 0	0 0	25 -12	0 0	0 0
[10Y - more ]		634	393	241	20	0	-10	0	0
Total		4.058	393	3.665	1.416	0	373	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria	0	0	0	0	0	0	0	0
[3Y - 5Y ]	Iceland	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		-0	0	-0	0	0	-0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Ireland	41	0	41	0	0	0	0	0
[3Y - 5Y ]		11	0	11	11	0	0	0	0
[5Y - 10Y ]		228	0	228	98	0	0	0	0
[10Y - more ] Total		92 372	42 42	50 330	0 109	0 0	0 1	0 0	0 0
[ 0 - 3M ]		5	0	5	0	0	5	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		2	0	2	0	0	2	0	0
[ 2Y - 3Y ]		1	0	1	0	0	0	0	0
[3Y - 5Y ]	Italy	1	0	1	0	0	0	0	0
[5Y - 10Y ]		381	0	381	333	0	0	0	0
[10Y - more ]		181	0	181	180	0	0	0	0
Total		571	0	571	512	0	7	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Latvia	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Liechtenstein	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Lithuania	0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
[3Y - 5Y ] [5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Luxembourg	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Malta	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ] [10Y - more ]		0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		1	0	1	0	0	1	0	0
[ 3M - 1Y ]		1	0	1	0	0	1	0	0
[ 1Y - 2Y ]		1	0	1	0	0	1	0	0
[ 2Y - 3Y ]	Austria	21	0	21	21	0	0	0	0
[3Y - 5Y ]	Netherlands	27	0	27	21	0	0	0	0
[5Y - 10Y ]		75	0	75	0	25	27	0	0
[10Y - more ]		42	0	42	0	0	22	0	0
Total		168	0	168	42	25	52	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Norway	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ] Total		0 0	0 0	0 0	0 0	0 0	0 0	0 0	0 0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		12	0	12	0	0	8	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		92	0	92	92	0	1	0	0
[3Y - 5Y ]	Poland	17	0	17	17	0	1	0	0
[5Y - 10Y ]		17	0	17	0	0	12	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		139	0	139	108	0	21	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Portugal	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		35	0	35	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		35	0	35	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Romania	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		2	0	2	0	0	-15	0	0
[ 3M - 1Y ]		134	0	134	13	20	0	0	0
[ 1Y - 2Y ]		73	0	73	53	0	0	0	0
[ 2Y - 3Y ]	Slovakia	185	0	185	77	0	22	0	0
[3Y - 5Y ]		423	0	423	289	0	31	0	0
[5Y - 10Y ]		801	0	801	315	0	91	0	0
[10Y - more ] Total		554 2.172	126 126	428 2.046	35 782	0 20	25 154	0 0	0 0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		22	0	22	1	18	3	0	0
[ 1Y - 2Y ]		1	0	1	0	0	1	0	0
[ 2Y - 3Y ]		16	0	16	0	2	14	0	0
[3Y - 5Y ]	Slovenia	0	0	0	0	0	0	0	0
[5Y - 10Y ]		14	0	14	0	0	14	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		53	0	53	1	20	32	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Spain	1	0	1	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		2	0	2	0	0	0	0	0
[10Y - more ] Total		244	0	244	244	0	0	0	0
		247	0	247	244	0	1	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Sweden	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		1	1	0	0	0	0	0	0
[ 2Y - 3Y ]	United Kingdom	14	1	13	0	0	13	0	0
[3Y - 5Y ]		3	3	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		347	347	0	0	0	0	0	0
Total		365	352	13	0	0	13	0	0
[ 0 - 3M ] [ 3M - 1Y ]		-0 0	0 0	-0 0	0 0	0 0	-0 0	0 0	0 0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]	Australia	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Canada	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual Maturity			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		(gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	NET DIRECT POSITIONS where there is a maturity matching) (1)	DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		40	0	40	0	0	40	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Hong Kong	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		40	0	40	0	0	40	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Japan	0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		6	0	6	0	0	6	0	0
[ 3M - 1Y ] [ 1Y - 2Y ]		335 398	335 398	0 0	0 0	0 0	0 0	0 0	0 0
[ 2Y - 3Y ]		40	40	0	0	0	0	0	0
[3Y - 5Y ]	U.S.	183	183	0	0	0	0	0	0
[5Y - 10Y ]		23	23	0	0	0	0	0	0
[10Y - more ]		14	14	0	0	0	0	0	0
Total		999	993	6	0	0	6	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]	Switzerland	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual		GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)		NET DIRECT POSITIONS (gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only where there is a maturity matching) (1)				DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]	Other	0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	advanced Austria	0	0	0	0	0	0	0	0
[3Y - 5Y ]	economies non	0	0	0	0	0	0	0	0
[5Y - 10Y ]	EEA	0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]	Other Central	0	0	0	0	0	0	0	0
[ 1Y - 2Y ]	and eastern	0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Europe	0	0	0	0	0	0	0	0
[3Y - 5Y ]	countries non	0	0	0	0	0	0	0	0
[5Y - 10Y ]	EEA	0	0	0	0	0	0	0	0
[10Y - more ] Total		3 3	3 3	0 0	0 0	0 0	0 0	0 0	0 0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]	Middle East	0	0	0	0	0	0	0	0
[ 2Y - 3Y ]		0	0	0	0	0	0	0	0
[3Y - 5Y ]		0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		0	0	0	0	0	0	0	0
[ 2Y - 3Y ]	Latin America and the	0	0	0	0	0	0	0	0
[3Y - 5Y ]	Caribbean	0	0	0	0	0	0	0	0
[5Y - 10Y ]		0	0	0	0	0	0	0	0
[10Y - more ]		0	0	0	0	0	0	0	0
Total		0	0	0	0	0	0	0	0

as of 30 June 2013 jun-13 Country Maturity 0

(in million Euro)		300100 300100	300101 300101	300200 300200	300201 300201	300202 300202	300203 300203	300300 300300	300400 300400
Residual			GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)	NET DIRECT POSITIONS (gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only where there is a maturity matching) (1)				DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	INDIRECT SOVEREIGN (3) EXPOSURES (on and off balance sheet)
Maturity ↓	Country / Region		of which: loans and advances		of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)
[ 0 - 3M ]		0	0	0	0	0	0	0	0
[ 3M - 1Y ]		0	0	0	0	0	0	0	0
[ 1Y - 2Y ]		1	1	0	0	0	0	0	0
[ 2Y - 3Y ]	Austria Africa	1	1	0	0	0	0	0	0
[3Y - 5Y ]		12	12	0	0	0	0	0	0
[5Y - 10Y ]		125	125	0	0	0	0	0	0
[10Y - more ]		57	57	0	0	0	0	0	0
Total		196	196	0	0	0	0	0	0
[ 0 - 3M ]		4	0	4	0	0	4	0	0
[ 3M - 1Y ]		43	0	43	0	0	43	0	0
[ 1Y - 2Y ]		2	0	2	0	0	2	0	0
[ 2Y - 3Y ]	Others	19	1	18	16	0	2	0	0
[3Y - 5Y ]		37	2	36	0	0	36	0	0
[5Y - 10Y ]		81	66	15	0	0	15	0	0
[10Y - more ]		3	3	1	0	0	1	0	0
Total		189	71	118	16	0	103	0	0

TOTAL EEA 30 42.911 3.738 39.172 11.922 403 3.133 0	0
--------------------------------------------------------------------------	---

Explanatory footnotes

(2) The banks disclose the exposures in the "Financial assets held for trading" portfolio after offsetting the cash short positions having the same maturities.

(3) The exposures reported include the positions towards counterparts (other than sovereign) on sovereign credit risk (i.e. CDS, financial guarantees) booked in all the accounting portfolio (on-off balance sheet). Irrespective of the denomination and or accounting classification of the positions the economic substance over the form must be used as a criteria for the identification of the exposures to be included in this column. This item does not include exposures to counterparts (other than sovereign) with full or partial government guarantees by central, regional and local governments.

(1) The exposures reported cover only exposures to central, regional and local governments on immediate borrower basis, and do not include exposures to other counterparts with full or partial government guarantees

Notes and definitions

as of 30 June 2013 jun-13 Country Maturity 0

BE005 KBC BANK

INDIRECT SOVEREIGN EXPOSURES (3) (on and off balance sheet)

(in million Euro)		300100 300101 300100 300101 GROSS DIRECT LONG EXPOSURES (accounting value gross of provisions) (1)	300200 300201 300200 300201 (gross exposures (long) net of cash short positions of sovereign debt to other counterpaties only	300202 300202 NET DIRECT POSITIONS where there is a maturity matching) (1)	300203 300203	300300 300300 DIRECT SOVEREIGN EXPOSURES IN DERIVATIVES (1)	300400 300400 EXPOSURES
Residual Maturity ↓	Country / Region	of which: loans and advances	of which: AFS banking book	of which: FVO (designated at fair value through profit&loss) banking book (FVO)	of which: Financial assets held for trading(2)	Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)

Net position at fair values (Derivatives with positive fair value + Derivatives with negative fair value)

6. RWA	Period 0	0 0
	BE005
	KBC BANK

(in million Euro)
	31-12-12	30-06-13
RWA for credit risk	69.148	62.122
RWA Securitisation and re-securitisations	829	959
RWA Other credit risk	6.974	5.997
RWA for market risk	8.753	8.188
RWA for operational risk	11.045	11.045
RWA Transitional floors	0	0
RWA Other	0	0
Total RWA (1)	88.947	81.356

Explanatory footnotes