1. Appendices Second Quarter Results 2004

2. 0 38 Appendices: table of contents  RWA developments39  USD profit hedge 200641  Profit and loss account BU Brazil43  Profit and loss account BU NA and US Mortgage Business 45  Details on WCS Performance 50  Asset Quality and Provisioning 53  Asset Quality and Provisioning in C&CC 58  Asset Quality and Provisioning in WCS 67

3. RWA developments

4. 0 40 Increase in RWA due to impact FX, securitisations and loan growth Change in RWA, June 2004 - Dec 2003 (EUR bn)

5. USD profit hedge 2006

6. 0 42 USD profit hedge 2006  We have hedged our expected USD related net profit by purchasing EUR/USD call options at a strike price of 1.2130.

7. Profit and Loss Account BU Brazil

8. 0 44 P&L BU Brazil in local currency Including the impact of Sudameris

9. Profit and Loss Account BU NA and US Mortgage Business

10. 0 46 P&L BU NA in local currency

11. 0 47 Income from Mortgage Banking Activities (BU NA) Data provided on a Dutch GAAP basis

12. 0 48 Changes in MSR Balances (BU NA) Data provided on a Dutch GAAP basis

13. 0 49 Mortgage origination per channel (BU NA) BU Mortgage origination per channel (USD)

14. Details on WCS Performance

15. 0 51 WCS client performance in the first half of 2004  WCS client revenues are EUR 2,146 mln, representing 83% of WCS revenues  Most important revenue contributor is the BU Financial Institutions and Public Sector (FIPS), accounting for 44% 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 2,593 mln) Revenues by Client (EUR 2,146 mln) Priority & Key Revenues by Client (EUR 1,317 mln)

16. 0 52 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 Q2 03 graph above, revenues of Prime and Professional Brokerage have been transferred from BU WoCa to WCS Other Revenues by product EUR 1,223 mln in Q2 2004 Revenues by Product EUR 1,371 mln in Q1 2004 Revenues by Product EUR 1,296 mln in Q2 2003

17. Asset Quality and Provisioning

18. 0 54 June 2003 Private sector loans (EUR bn - by outstanding) June 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 20% C&CC 71% Bank wide private sector loans: Commercial and Consumer 0 50 100 150 200 Jun. 03Dec. 03Jun. 04 WholesaleC&CCPCAMOther Bouwfonds 19% Brazil 4% NGM 4% NL 46% NA 27%

19. 0 55 Overview of total loan loss provisioning per SBU SBU C&CC WCS PCAM Total AA Loan loss provisions per SBU (EUR mln)Annualised provisions / average RWA 0.0% 0.5% 1.0% 2Q033Q034Q031Q042Q04 C&CCWCSABN AMRO C&CC 93% WCS 7% Other 0% 2Q03 217 83 2 305 3Q03 205 54 3 304 4Q03 214 106 1 323 1Q04 160 30 0 195 2Q04 139 10 1 154 2Q03 0.61% 0.49% 0.11% 0.50% 3Q03 0.57% 0.33% 0.17% 0.53% 4Q03 0.60% 0.67% 0.06% 0.57% 1Q04 0.45% 0.18% 0.00% 0.34% 2Q04 0.38% 0.06% 0.05% 0.26%

20. 0 56 EUR interest rate sensitivity (12 months; EUR; base case = rates unchanged)

21. 0 57 USD interest rate sensitivity (12 months; USD; base case = rates unchanged)

22. Asset Quality and Provisioning in C&CC

23. 0 59 C&CC total private sector loans (outstanding in EUR bn) Numbers may not add up due to rounding Commercial Consumer Total private loans Overview of total private sector loans in C&CC Commercial 41% Consumer 59% Bouwfonds 19% Netherlands 46% North America 27% Brazil 4% NGM 4% Jun. 04NetherlandsNorth AmericaBrazilNGMBouwfondsDec. 03Jun. 03 70.825.432.63.13.26.768.570.4 102.254.814.23.63.526.099.6103.3 173.080.246.76.7 32.7168.0173.7

24. 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 2Q03 57 76 86 -2 0 217 305 3Q03 69 75 65 -4 0 205 304 4Q03 69 68 65 6 6 214 323 1Q04 68 23 66 5 -2 160 195 2Q04 42 31 56 7 3 139 154 2Q03 0.45% 0.50% 5.33% -0.14% 0.00% 0.61% 0.53% 3Q03 0.53% 0.50% 3.97% -0.27% 0.00% 0.57% 0.53% 4Q03 0.53% 0.47% 3.66% 0.40% 0.12% 0.60% 0.57% 1Q04 0.52% 0.16% 3.23% 0.32% -0.04% 0.45% 0.34% 2Q04 0.32% 0.22% 2.63% 0.43% 0.06% 0.38% 0.26% NA 22% Netherlands 30% Brazil 41% NGM 5% Bouwfonds 2% 0% 1% 2% 3% 4% 5% 2Q033Q034Q031Q042Q04 NetherlandsNABrazilTotal C&CCBouwfonds

25. 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; Jun 2003 - Jun 2004) Wholesale Trade 14% Manufacturing 2% Hotels and Restaurants 2% Health & Social Services 7% Food Industry 3% Education 1% Construction 4% Chemical Industry 2% Business Services 7% Banks and Non-Banking Financial Institutions 13% Agriculture & Fishery 11% Public 1% Other Services 3% Mining 1% Public Utilities 0% Real Estate 5% Retail Trade 6% Not classified 4% Transport & Communication 6% Metal Industry 9% Corporate ClientsSME non program lendingTotal Commercial Jun. 03Dec. 03Jun. 04 1% -5% -4%

26. 0 62 BU NL commercial portfolio asset quality - (by outstanding on a EUR basis; Jun 2003 - Jun 2004)

27. 0 63 BU NA commercial portfolio BU NA commercial portfolio by industry BU NA total portfolio Overview of BU NA commercial portfolio - (by outstanding on a USD basis; Jun 2003 - Jun 2004) 0.4 % Jun. 03Dec. 03 Jun. 04 Commercial 70% Consumer 30%

28. 0 64 BU NA commercial portfolio asset quality - (by outstanding; Jun 2003 - Jun 2004) 21.9% 21.6% 19.9% 2.5% 2.3% 2.2% 2.0% 39.6% 38.9% 37.7% 39.6% 40.3% 38.1% 39.0% 40.2% 36.4% 35.3% 20.0% 0% 20% 40% 60% 80% 100% Jun. 03Sep. 03Dec. 03Mar. 04Jun. 04 2.80 3.00 3.20 3.40 3.60 3.80 4.00 UCR 1,2UCR 3UCR 4 UCR >=5Average UCR

29. 0 65 Commercial 46% Consumer 54% 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; Jun 2003 - Jun 2004) Services 1,5% Telecommunications 5,2% Textile&Footwear 4,6% Transports 5,0% Utilities & Power Generations 2,3% Electrical Machinery 0,7% Construction & Engineering 5,3% Paper & Pulp 0,6% Packaging 0,6% Others 13,2% Oil&Gas 1,4% Miscellaneous 2,3% Metal & Mining 5,2% Health Services 3,8% Food,Beverages,Tobacco 2.8% Education 3,5% Consumer Goods 3,0% Petrochemicals 0,5% Public 0,3% Retail&Wholesale 12,4% Computer & Related Activies 0,3% Chemicals 3,2% Capital Goods & Machinery 2,9% Banking & Finance Companies 2,6% Automotive 6,1% Agribusiness 11,0%. + 34.0% Car Finance Corp.SMEMiddle Corp.Total Commercial Jun. 03Dec. 03Jun. 04 + 11.1% + 5.8% + 14.9%

30. 0 66 BU Brazil commercial portfolio asset quality - (by outstanding on a BRL basis; Jun 2003 - Jun 2004) Avg UCR 20.9% 62.6% 61.4% 21.2% 18.3% 22.8% 62.8% 59.2% 57.6% 9.0% 6.9% 7.9% 7.1% 6.4% 4.2% 12.5%11.9% 11.4% 12.9% 0% 20% 40% 60% 80% 100% Jun. 03Sep. 03Dec. 03Mar. 04Jun. 04 2.00 2.50 3.00 3.50 4.00 UCR 1,2UCR 3UCR 4 UCR >5Not ratedAverage UCR Shift in June 04 due the rating of small commercial customers (previously not rated)

31. Asset Quality and Provisioning in WCS

32. 0 68 Geographic exposure calculated based on the country lending office (*) = Insignificant Asia Pacific Advanced 8.4% (11.5%) North America 22.8 % (30.1%) Latin America 3.2% (0.4%) Eastern Europe 0.5% (*) Africa 0.3% (*) Europe 58.7% (56.7%) Middle East 0.8% (0.1%) Asia 5.3% (1.3%) WCS Corporate / (NBFI/PS) portfolio: predominantly OECD - (by limits on EUR basis, Jun 2004)

33. 0 69 WCS - total portfolio Commercial banks exposure includes commercial lines, money market and OBSI facilities. NBFI/PS 26% Commercial Banks 32% Corporate 42% Breakdown of WCS portfolio by sector - (by limits on EUR basis, Jun. 2004)

34. 0 70 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 Jun. 04 2.82 1.67 1.60 Average UCR of WCS sectors - (by limits on a EUR basis; Dec 2001 - Jun 2004)

35. 0 71 WCS Corporate portfolio remains well diversified - (by limits on EUR basis, Jun. 2004)

36. 0 72 Average UCR of WCS main industries corporate client sector - (by limits on a EUR basis; Jun 02 - Jun 04) Main industries Jun. 02Dec. 02Jun. 03Dec. 03Jun. 04 Average UCRs - historical performanceAverage UCRs 2.5 2.6 2.7 2.8 2.9 3.0 3.1 3.2 3.3 Jun. 02Dec. 02Jun. 03Dec. 03Jun. 04 AutomotiveOil and Gas Telecom ServicesUtilities Manufacturing Transport Services Telecom Services3.043.173.112.862.88 Automotive2.872.972.792.772.85 Oil and Gas2.772.732.772.652.56 Utilities2.863.113.222.942.89 Transport Services3.083.13 2.872.71 Manufacturing3.103.173.042.902.82

37. 0 73 WCS corporate asset quality - (by limits on a EUR basis)

38. 0 74