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Testing an Age of Ban

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Contents Annual Report

Annual Report

ABN AMRO Group N.V.

2011

Notes to the reader

Introduction
This is the Annual Report for the year 2011 of ABN AMRO, which consists of ABN AMRO Group N.V. and its consolidated subsidiaries. The Annual Report consists of the Managing Board report, Supervisory Board report, and the Consolidated Annual Financial Statements.

Presentation of information
The financial information contained in this Annual Report has been prepared in accordance with International Financial Reporting Standards (IFRS) as adopted by the European Union (EU). This Annual Report is presented in euros (EUR), which is the presentation currency of ABN AMRO, rounded to the nearest million (unless otherwise stated). All year-end averages in the Annual Report are based on month-end figures. Management does not believe that these month-end averages present trends materially different from those that would be presented by daily averages. Certain figures in this document may not tally exactly due to rounding. In addition, certain percentages in this document have been calculated using rounded figures. As a result of the integration, the current segment reporting is still subject to minor changes. This report can be downloaded from abnamro.com For more information, please go to abnamro.com/ir or contact us at investorrelations@nl.abnamro.com

ABN AMRO Group N.V. Gustav Mahlerlaan 10, 1082 PP Amsterdam P Box 283, 1000 EA Amsterdam .O. The Netherlands Telephone: +31 (0)20 628 93 93

contents
Figures at a glance 4 6

table of

1 2

Chairman’s review

Supervisory Board report
Supervisory Board review

9
10

11 12 13 14 15

Integration Human resources Sustainability Responsibility statement Cautionary statement on forward-looking statements

132 135 140 144

145

3 4 5 6 7 8 9 10

Managing Board report
Economic and regulatory

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