1. Appendices First Quarter Results 2004

2. 0 24 Appendices: table of contents  Key figures: profit and loss account25  RWA developments26  Details on BU NA and US Mortgage Business 28  Details on WCS Performance 32  Asset Quality and Provisioning 36  Asset Quality and Provisioning in C&CC 39  Asset Quality and Provisioning in WCS 48

3. 0 25 * At constant forex rates Key figures: changes in profit and loss account

4. RWA developments

5. 0 27 Increase in RWA due to impact FX, securitisations and loan growth Quarterly change in RWA (EUR bn)

6. Details on BU NA and US Mortgage Business

7. 0 29 Income from Mortgage Banking Activities (BU NA) Data provided on a Dutch GAAP basis

8. 0 30 Changes in MSR Balances (BU NA) Data provided on a Dutch GAAP basis

9. 0 31 BU Mortgage origination per channel USD) Mortgage origination per channel (BU NA)

10. Details on WCS Performance

11. 0 33 WCS client performance  WCS client revenues are EUR 1,058 mln, representing 77% of WCS revenues  Most important revenue contributor is the BU Financial Institutions and Public Sector (FIPS), accounting for 46% 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 1,371 mln) Revenues by Client (EUR 1,058 mln) Priority & Key Revenues by Client (EUR 653 mln)

12. 0 34 WCS product performance  Most important revenue contributor is Financial Markets  The sale of our Prime and Professional Brokerage businesses was respectively closed at 5/12/03 and 2/04/04 (both were part of the BU WoCa). Revenues from Professional Brokerage are still part of WCS Q1 revenues (booked in Q1 under WCS Other)  In the restated Q1 03 and Q4 03 graphs above, revenues of Prime and Professional Brokerage have been transferred from BU WoCa to WCS Other Revenues by product EUR 1,371 mln in Q1 2004 Revenues by Product EUR 1,491 mln in Q4 2003 Revenues by Product EUR 1,145 mln in Q1 2003

13. 0 35 WCS gaining momentum Steady net profit WCS EUR 175 mln in Q1 2004 Steady improvement efficiency ratio 80.0% in Q1 2004  The client led focus, restructuring and improved market conditions have led to a clear improvement of net profit and efficiency ratio

14. Asset Quality and Provisioning

15. 0 37 March-2003 Private sector loans (EUR bn - by outstanding) March-2004 December-2003 C&CC 72% PCAM 3% Other 7% WCS 18% PCAM 3% Other 6% WCS 19% C&CC 72% Brazil 4% NGM / Bouwfonds 22% NL 47% NA 27% 0 50 100 150 200 Mar-03Dec-03Mar-04 WholesaleC&CCPCAMOther Bank wide private sector loans: Commercial and Consumer

16. 0 38 SBU C&CC WCS PCAM Total AA 1Q03 180 156 3 343 2Q03 217 83 2 305 3Q03 204 54 3 303 4Q03 214 106 1 323 1Q04 160 30 0 195 1Q03 0.51% 0.90% 0.15% 0.59% 2Q03 0.61% 0.49% 0.11% 0.53% 3Q03 0.58% 0.33% 0.17% 0.53% 4Q03 0.61% 0.67% 0.06% 0.57% 1Q04 0.45% 0.18% 0.00% 0.34% Overview of total loan loss provisioning per SBU Loan loss provisions per SBU (EUR mln)Annualised provisions / average RWA C&CC 82% WCS 15% Other 3% 0.0% 0.5% 1.0% 1.5% 2.0% 1Q032Q033Q034Q031Q04 C&CCWCSABN AMRO

17. Asset Quality and Provisioning in C&CC

18. 0 40 C&CC total private loans (outstanding in EUR bn) Numbers may not add up due to rounding Commercial Consumer Total private loans Mar-04 69.9 102.0 172.0 Netherlands 25.2 54.5 79.7 North America 32.2 15.0 47.2 Brazil 3.0 3.6 6.7 NGM / Bouwfonds 9.5 28.9 38.4 Dec-03 68.5 99.6 168.0 Mar-03 70.3 102.0 172.3 Commercial 41% Consumer 59% Netherlands 47% North America 27% Brazil 4% NGM / Bouwfonds 22% Overview of total private loans in C&CC

19. 0 41 BU Netherlands NA Brazil NGM / Bouwfonds Total C&CC Total AA 1Q03 51 87 42 0 180 343 2Q03 57 76 86 -2 217 305 3Q03 69 75 65 -5 204 303 4Q03 69 68 65 12 214 323 1Q03 0.39% 0.56% 2.75% 0.00% 0.51% 0.59% 2Q03 0.45% 0.50% 5.33% -0.03% 0.61% 0.53% 3Q03 0.53% 0.50% 3.97% -0.09% 0.58% 0.53% 4Q03 0.53% 0.46% 3.60% 0.20% 0.61% 0.57% C&CC loan loss provisions Loan loss provisions per BU NGM / Bouwfonds 2% Brazil 41% Netherlands 43% NA 14% 0% 1% 2% 3% 4% 5% 1Q032Q033Q034Q031Q04 NetherlandsNABrazilNGM / Bouwfonds Total C&CC Annualised provisions / average RWAProvisions - EUR mln 1Q04 68 23 66 3 160 195 1Q04 0.52% 0.16% 3.23% 0.05% 0.45% 0.34%

20. 0 42 BU NL commercial portfolio BU NL commercial portfolio by industry BU NL total portfolio Commercial 32% Consumer 68% Wholesale Trade 14% Manufacturing 2% Hotels and Restaurants 2% Health & Social Services 6% Food Industry 2% Education 1% Construction 3% Chemical Industry 2% Business Services 7% Banks and Non-Banking Financial Institutions 12% Agriculture & Fishery 11% Public 0% Other Services 2% Mining 1% Public Utilities 2% Real Estate 6% Retail Trade 4% Not classified 5% Transport & Communication 9% Metal Industry 9% Corporate ClientsSME non program lendingTotal Commercial Mar-03Dec-03Mar-04 0% 7% 3% Overview of the commercial portfolio of BU NL - (by outstanding)

21. 0 43 BU NL Commercial portfolio asset quality - (by outstanding on a EUR basis; Mar 2003 - Mar 2004)

22. 0 44 Mar-03Dec-03Mar-04 22% BU NA commercial portfolio BU NA commercial portfolio by industry BU NA total portfolio Commercial 32% Consumer 68% Overview of BU NA commercial portfolio - (by outstanding on a USD basis; Mar 2003 - Mar 2004)

23. 0 45 BU NA commercial portfolio asset quality - (by outstanding on a USD basis; Mar 2003 - Mar 2004) 38.0% 41.5% 5.0% 2.9% 4.1% 4.6%4.7% 35.8% 36.8%35.2% 38.5% 37.5% 39.6% 40.2% 39.0% 17.7% 20.6% 20.9% 20.7% 16.6% 0% 20% 40% 60% 80% 100% Mar. 03Jun. 03Sep. 03Dec. 03Mar. 04 2.80 3.00 3.20 3.40 3.60 3.80 4.00 UCR 1,2UCR 3+-UCR 4+-UCR <5Average UCR

24. 0 46 Commercial 45% Consumer 55% Car Finance Corp.SMEMiddle Corp.Total Commercial Mar-03 Dec-03 Mar-04 + 1.4% - 10.6% + 35.0% - 33.3% BU Brazil commercial portfolio BU Brazil commercial portfolio by industry BU Brazil total portfolio Overview of the BU Brazil commercial portfolio - (by outstanding on a BRL basis; Mar 2003 - Mar 2004) o

25. 0 47 18.3% 57.6% 62.8% 62.6% 6.4% 11.9% 18.3% 21.2% 20.9% 22.6% 58.0%59.2% 7.9% 6.9% 6.7% 7.1% 12.4% 12.5% 12.9% 11.4% 0% 20% 40% 60% 80% 100% Mar-03Jun-03Sep-03Dec-03Mar-04 2.00 2.50 3.00 3.50 4.00 UCR 1,2UCR 3UCR 4 UCR >5Not ratedAverage UCR A BU Brazil commercial portfolio asset quality - (by outstanding on a BRL basis; Mar 2003- Mar 2004)

26. Asset Quality and Provisioning in WCS

27. 0 49 Geographic exposure calculated based on the country lending office (*) = Insignificant Asia Pacific Advanced 7.4% (11.3%) North America 23.3 % (32.0%) Latin America 3.1% (0.4%) Eastern Europe 0.5% (*) Africa 0.3% (*) Europe 59.7% (54.9%) Middle East 0.7% (0.1%) Asia 4.9% (1.3%) WCS Corporate / (NBFI/PS) portfolio: predominantly OECD - (by limits on EUR basis, Mar 2004)

28. 0 50 WCS - total portfolio Commercial banks exposure includes commercial lines, money market and OBSI facilities. NBFI/PS 26% Commercial Banks 33% Corporate 41% Breakdown of WCS portfolio per sector - (by limits on a EUR basis, Mar 2004)

29. 0 51 Average UCRs - historical performanceAverage UCRs Avg UCRs WCS Corporate NBFI/PS Commercial Banks Dec-01 2.88 1.70 1.54 Jun-02 2.93 1.71 1.54 Dec-02 2.98 1.80 1.56 Jun-03 2.94 1.75 1.57 Dec-03 2.86 1.70 1.58 Mar-04 2.85 1.66 1.60 1.0 1.2 1.4 1.6 1.8 2.0 2.2 2.4 2.6 2.8 3.0 Dec-01Jun-02Dec-02Jun-03Dec-03Mar-04 WCS CorporateNBFI/PSCommercial Banks Average UCR of WCS sectors - (by limits on a EUR basis; Dec 2001 - Mar 2004)

30. 0 52 WCS Corporate portfolio remains well diversified - (by limits on a EUR basis, Mar 2004)

31. 0 53 Main industries Telecom Services Automotive Oil and Gas Utilities Transport Services Manufacturing Jun-02 3.04 2.87 2.77 2.86 3.08 3.10 Dec-02 3.17 2.97 2.73 3.11 3.13 3.17 Jun-03 3.11 2.79 2.77 3.22 3.13 3.04 Dec-03 2.86 2.77 2.65 2.94 2.87 2.90 Mar-04 2.92 2.84 2.66 2.90 2.80 2.96 2.5 2.6 2.7 2.8 2.9 3.0 3.1 3.2 3.3 Jun-02Dec-02Jun-03Dec-03Mar-04 AutomotiveOil and Gas Telecom ServicesUtilities ManufacturingTransport Services Average UCR of WCS main industries corporate client sector - (by limits on a EUR basis; Jun 02 - Mar 04) Average UCRs - historical performanceAverage UCRs

32. 0 54 WCS corporate asset quality - (by limits on a EUR basis) 82.2% 82.5% 79.8% 79.7% 81.1% 17.8%17.5% 18.9% 20.3% 20.2% 0% 20% 40% 60% 80% 100% Jun-02Dec-02Jun-03Dec-03Mar-04 2.50 2.60 2.70 2.80 2.90 3.00 UCR 1,2,3UCR >=4Average UCR

33. 0 55