Finalized Guidance Document Concerning the Implementation of Basel III

Actual Common Equity Tier 1 (as a percentage of risk weighted assets), to be calculated as row 29 12 divided by row 60 12 (expressed as a percentage) refer to page 16 % 1.2 Actual Tier 1 (as a percentage of risk weighted assets), to be calculated as row 45 12 divided by row 60 12 (expressed as a percentage) refer to page 16 % 1.3 Actual Total capital (as a percentage of risk weighted assets), to be calculated as row 59 7 divided by row 60 7 (expressed as a percentage) refer to page 17 % 2. Basel III Minimum Capital Ratio Requirements 7 and excess/(deficit) of Actual Ratio for the following ratios %: Ratios 2.1 Minimum Common Equity Tier 1 Capital Ratio 7 % Excess/(Deficit) of Actual 1.1 over above 2.1 % 2.2 Capital Conservation Buffer 7 % 2.3 Minimum Common Equity Tier 1 ratio plus Capital Conservation buffer (2.1+2.2) 7 % Excess/(Deficit) of actual (1.1) over above 2.3 % 2.4 Minimum Tier 1 Capital Ratio 7 % Excess of Actual/(Deficit) of 1.2 over 2.4 % 2.5 Minimum Total Capital Ratio 8% Excess of Actual/(Deficit) of 1.3 over 2.5 (8%) % 2.6 Minimum Total Capital ratio plus Conservation buffer (2.5+2.2) 7 % Excess of Actual/(Deficit) of 1.3 over 2.6 % 2.7 Minimum Total Capital ratio plus all buffers concerning conservation 7 , countercyclical and DSIBs % Excess/(Deficit) of actual Total Capital Ratio (1.3) over Minimum Total Capital Ratio + Conservation Buffer (2.6) plus countercyclical buffer (3.2) plus DSIBs (3.3) % 3. Basel III Buffers including capital buffer concerning Conservation, Countercyclical and Domestic SIB (DSIBs) Buffers % 3.1 Capital Conservation ratio 7,11 Nil% 3.2 Countercyclical ratio 10 Nil%