AB Group Financial Overview

Profitability ratios Return on Assets - Excluding Legal Provisions Return on Equity - Excluding Legal Provisions 1.6% 1.6% 9.9% 9.9% 1.3% 8.1% 1.2% 7.1% 1.0% 6.0% 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 Cost to Income - Excluding Provisions for Doubtful Debts & Legal Provisions 44.0% 0.64 0.55 43.1% 42.3% 42.3% 42.0% 2011 2012 2013 2014 2015 EPS (USD) 1.01 0.93 0.67* 2011 2012 2013 2014 2015 * EPS equals USD 1.22 excluding legal provisions for 2015 15

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