Exhibit 1 The Standardised approach risk weightings Table

Exhibit 1 The Standardised approach risk weightings Table 1 The standardised approach risk weightings Claim Assessment AAA to AA 0% (1) A+ to A- Option 11 Option 22 Sovereigns (if export credit agencies Banks Corporates BB+ to B- Below B- Unrated 20% (2) BBB+ to BBB 50% (3) 100% (4 -6) 150% (7) 100% 20% 50% 100% 150% 100% 20% (20%)3 50% (20%)3 100% (50%)3 150% (150%)3 50% (20%)3 (20%) (50%) (100%) BB+ to BB 100% Below BB 150% 100% 1 Risk weighting based on risk weighting of sovereign in which the bank is incorporated (but one category is less favourable) weighting based on the assessment of the individual bank 3 Claims on banks of a short original maturity, lass than three months, would generally receive a weighting that is one category more favourable than the usual risk weight on the bank’s claim 2 Risk Pricewaterhouse. Coopers Source: Pricewaterhouse. Coopers’ analysis

Exhibit 2 Average change in minimum capital requirements (incl. credit and operational risk) Source: QIS 3, EU Commission analysis Pricewaterhouse. Coopers

Exhibit 3 Expected capital changes by country Source: QIS 3 country reports, EU Commission analysis, Pricewaterhouse. Coopers analysis Pricewaterhouse. Coopers

Exhibit 4 Expected Change in Risk Weighted Assets for SMEs Source: QIS 3 country reports, Pricewaterhouse. Coopers’ analysis Pricewaterhouse. Coopers

Exhibit 5 Likely beneficiaries € Customer G Bank Beneficiary Country Retail SME Corporate Overall Austria € € Either € Belgium G G Either Denmark € G G Either Finland G G France € € Either € Germany € € Greece G G Ireland Either € € Either € Luxembourg Either € € Either Netherlands € Either Portugal € G G G Spain € G Either Sweden € € Either Italy Pricewaterhouse. Coopers United Source: Pricewaterhouse. Coopers’ analysis

Exhibit 6 What are the compliance functions’ goals and roles? Goals: 60% - compliance with regulations 56% - reputation risk managed effectively 51% - regulatory risk managed 43% - train & educate staff 43% - advise business on compliant new products 40% - anticipate and plan for regulatory change Roles: Police Officer Monitoring compliance with procedures Taking corrective measures Training and educating business units Reporting to management Counsellor Providing advice Establishing compliance policies and procedures Taking preventative measures Interface with the regulators Pricewaterhouse. Coopers Promoting adoption of a compliance culture Monitoring and interpreting regulatory developments Involvement in new product/market approval process

Exhibit 7 What are the challenges to achieving compliance? 64 36 33 31 27 24 23 23 20 16 11 Pricewaterhouse. Coopers 17 Sheer complexity of regulatory environment Poor communication with external stakeholders Changing expectation of stakeholders Compliance not involved in strategic decision taking Organisation of the compliance function Compliance function lacks independence Inadequate technological infrastructure Poor integration with other functions Lack of direct communication between Compliance and senior management/board Focus on cost-cutting/cost control Insufficient pool of talent in this area of business Incomplete acceptance/understanding by the board/senior management of their compliance responsibilities