Appendices Third Quarter Results 2004

0 37 Appendices: table of contents  ABN AMRO’s strategy 38  Breakdown of revenues and net profit41  USD profit hedge  Profit and loss account BU Brazil45  Profit and loss account BU NA and US Mortgage Business 47  Details on WCS Performance 52  Asset Quality and Provisioning 55  Asset Quality and Provisioning in C&CC 58  Asset Quality and Provisioning in WCS 67

ABN AMRO’s Strategy

0 39 Successful multi-regional strategy We aim to drive our shareholder returns through a multi- regional strategy with a focus on commercial and consumer banking, supported by an international wholesale franchise. We will achieve this by: 1.Focusing on consumer and commercial clients in chosen home markets, selected wholesale clients with an emphasis on Europe, as well as financial institutions and private clients 2.Creating value for our clients by offering high-quality financial solutions that best meet their needs and long-term goals 3.Leveraging our advantaged product and people capabilities to the benefit of all our client bases 4.Sharing expertise and operational excellence across the Group 5.Creating ‘fuel for growth’ by optimally allocating capital and talent

0 40 Network of leading market positions All figures based on Brazilian GAAP TOP 4 PRIVATELY OWNED BANK IN BRAZIL TOP RANKING US REGIONAL FRANCHISE IN THE MID-WEST EUROPEAN PRIVATE BANKING: # 1 Netherlands # 3 France and Germany Top 6 US mortgage originator Top 7 US mortgage servicer WCS European franchise with top 3 Global Trade and Cash & Payment platform NETHERLANDS: Top commercial bank for large SME and affluent customers Source: SNL financials INDIA Growing mass affluent retail franchises (12 branches) GREATER CHINA Focus on Hong Kong and Taiwan

Breakdown of revenues and net profit

0 42 Breakdown of YTD revenues and net profit per BU Revenues, excluding sale of BoA (EUR 14,055 mln) Net profit, excluding sale of BoA (EUR 2,759 mln)

USD profit hedge 2006

0 44 USD profit hedge 2006  We have hedged our expected USD related net profit by purchasing EUR/USD call options at a strike price of

Profit and Loss Account BU Brazil

0 46 P&L BU Brazil in local currency Including the impact of Sudameris

Profit and Loss Account BU NA and US Mortgage Business

0 48 P&L BU NA in local currency

0 49 Income from Mortgage Banking Activities (BU NA) Data provided on a Dutch GAAP basis

0 50 Changes in MSR Balances (BU NA) Data provided on a Dutch GAAP basis

0 51 Mortgage origination per channel (BU NA) BU Mortgage origination per channel (USD)

Details on WCS Performance

0 53 WCS client performance in the first three quarters of 2004  WCS client revenues are EUR 3,237 mln, representing 82% of WCS revenues  Most important revenue contributor is the BU Financial Institutions and Public Sector (FIPS), accounting for 45% of total client revenues  The BU Global Specialised Industries (GSI) includes TMT, Healthcare & Chemicals and Integrated Energy. The BU Industrials includes Global Manufacturing, General Industries and Consumer WCS Revenues (EUR 3,939 mln) Revenues by Client (EUR 3,237 mln) Priority & Key Revenues by Client (EUR 2,048 mln)

0 54 WCS product performance  Most important revenue contributor is Financial Markets  In the restated Q3 03 graph above, revenues of Prime and Professional Brokerage have been transferred from BU WoCa to WCS Other for comparison reasons Revenues by product EUR 1,346 mln in Q Revenues by Product EUR 1,222 mln in Q Revenues by Product EUR 1,360 mln in Q3 2003

Asset Quality and Provisioning

0 56 September-2003 Private sector loans (EUR bn - by outstanding) September-2004 December-2003 C&CC 71% PCAM 3% Other 6% WCS 20% C&CC 72% PCAM 3% Other 7% WCS 18% PCAM 3% Other 6% WCS 21% C&CC 70% Bank wide private sector loans: Commercial and Consumer As per a number of assets shifted SBU. Historic data have not been restated. The effect on percentages shown would however have been minor Bouwfonds 19% Brazil 4% NGM 3% NL 47% NA 27%

0 57 Overview of total loan loss provisioning per SBU Loan loss provisions per SBU (EUR mln)Annualised provisions / average RWA SBU C&CC WCS PCAM Total AA 3Q Q Q Q Q Q % 0.33% 0.17% 0.53% 4Q % 0.67% 0.06% 0.57% 1Q % 0.18% 0.00% 0.34% 2Q % 0.06% 0.05% 0.26% 3Q % -0.11% -0.05% 0.18% -0.5% 0.0% 0.5% 1.0% 3Q034Q031Q042Q043Q04 C&CCWCSABN AMRO

Asset Quality and Provisioning in C&CC

0 59 Overview of total private sector loans in C&CC C&CC total private sector loans (outstanding in EUR bn) Numbers may not add up due to rounding Commercial Consumer Total private loans Commercial 41% Consumer 59% Bouwfonds 19% Netherlands 47% North America 27% Brazil 4% NGM 3% Sep. 04NetherlandsNorth AmericaBrazilNGMBouwfondsDec. 03Sep

0 60 C&CC loan loss provisions Loan loss provisions per BU Annualised provisions / average RWAProvisions - EUR mln BU Netherlands NA Brazil NGM Bouwfonds Total C&CC Total AA 3Q Q Q Q Q Q % 0.50% 3.97% -0.34% 0.00% 0.57% 0.53% 4Q % 0.47% 3.66% 0.40% 0.12% 0.60% 0.57% 1Q % 0.16% 3.23% 0.32% -0.04% 0.45% 0.34% 2Q % 0.22% 2.62% 0.43% 0.06% 0.38% 0.26% 3Q % 0.15% 2.48% 0.72% -0.06% 0.34% 0.18% 0% 1% 2% 3% 4% 5% 3Q034Q031Q042Q043Q04 NetherlandsNABrazilTotal C&CCBouwfonds

0 61 BU NL commercial portfolio BU NL commercial portfolio by industry BU NL total portfolio Commercial 32% Consumer 68% Overview of the BU NL commercial portfolio - (by outstanding on a EUR basis; Sep Sep 2004) Corporate ClientsSME non program lendingTotal Commercial Sep-03Dec-03Sep % -1.3% 1.6% Transport & Communication Wholesale Trade 15% Manufacturing 2% Hotels and Restaurants 2% Health & Social Services 6% Food Industry 2% Education 1% Construction 4% Chemical Industry 2% Business Services 7% Banks and Non-Banking Financial Institutions 13% Agriculture & Fishery 12% Public 1% Other Services 3% Mining 1% Public Utilities 0% Real Estate 5% Retail Trade 6% Not classified 5% 6% Metal Industry 9%

0 62 BU NL commercial portfolio asset quality - (by outstanding on a EUR basis; Sep Sep 2004) UCR

0 63 BU NA commercial portfolio BU NA total portfolio Overview of BU NA commercial portfolio - (by outstanding on a USD basis; Sep Sep 2004) Commercial 70% Consumer 30% 2.7% Sept.03Dec.03 Sept.04 BU NA commercial portfolio by industry

0 64 BU NA commercial portfolio asset quality - (by outstanding; Sep Sep 2004) 21.6%20.0% 2.3% 2.2%2.0%2.1% 38.9% 37.7%37.1% 39.6% 39.0% 40.2%42.1% 38.1%36.4% 19.9% 18.7% 0% 20% 40% 60% 80% 100% Sep. 03Dec. 03Mar. 04Jun. 04Sep UCR 1,2UCR 3UCR 4 UCR >=5Average UCR UCR

0 65 Commercial 46% Consumer 54% BU Brazil commercial portfolio by industry BU Brazil total portfolio Overview of the BU Brazil commercial portfolio - (by outstanding on a BRL basis; Sep Sep 2004)

0 66 BU Brazil commercial portfolio asset quality - (by outstanding on a BRL basis; Sep Sep 2004) 0.4% 0.9% 1.6% 2.6% UCR 22.8% 19.1% 22.5% 19.9% 64.8% 61.4% 59.7% 65.5% 10.6% 10.0% 9.6% 9.0% 7.5% 6.8% 5.7% 5.6% 4.2% 5.5% 0% 20% 40% 60% 80% 100% Sep. 03Dec. 03Mar. 04Jun. 04Sep UCR 1,2UCR 3UCR 4 UCR >5Not ratedAverage UCR

Asset Quality and Provisioning in WCS

0 68 Geographic exposure calculated based on the country lending office (*) = Insignificant Asia Pacific Advanced 9.2% (11.8%) North America 22.2 % (27.5%) Latin America 3.3% (0.4%) Eastern Europe 0.6% (*) Africa 0.4% (*) Europe 58.0% (58.7%) Middle East 0.9% (*) Asia 5.5% (1.5%) WCS Corporate / (NBFI/PS) portfolio: predominantly OECD - (by limits on EUR basis, Sep 2004)

0 69 WCS - total portfolio Commercial banks exposure includes commercial lines, money market and OBSI facilities. Breakdown of WCS portfolio per sector - (by limits on EUR basis, Sep 2004)

0 70 Average UCRs - historical performanceAverage UCRs Avg UCRs WCS Corporate NBFI/PS Commercial Banks Dec Jun Dec Jun Dec Sep Average UCR of WCS sectors - (by limits on a EUR basis; Dec Sep 2004) Dec. 01Jun. 02Dec. 02Jun. 03Dec. 03Sep. 04 WCS CorporateNBFI/PSCommercial Banks

0 71 WCS Corporate portfolio remains well diversified - (by limits on EUR basis, Sep 2004)

0 72 Average UCR of WCS main industries corporate client sector - (by limits on a EUR basis; Sep 02 - Sep 04) Main industries Sep-02Dec-02Sep-03Dec-03Sep-04 Average UCRs - historical performanceAverage UCRs Telecom Services Automotive Oil and Gas Utilities Transport Services Manufacturing

0 73 WCS corporate asset quality - (by limits on a EUR basis)

0 74