European Coverage

Introducing anew standard forEuropean bankingcoverage.

A single online source for consistent andaccurate European bank data from SNL,North America’s premier provider.

Until now, analysing the European banking industry has been a

complex and time-consuming process. The arrival of SNL

Financial’s European coverage ushers in a new, more efficient era.

SNL consolidates all the information you need in one place and

standardises it on a real-time, interactive Web-based platform.

Since 1987, SNL Financial has been recognised as the leading provider of sector-focused financial

data, news and analytics in North America. All of the top investment banks, the 50 largest commercial

banks and more than 600 asset managers look to SNL for help in making key operational and

investment decisions. We’re also the go-to source for bank regulators, regional banks, insurance,

accounting and financial services companies, universities, consultants and more. SNL serves more

than 40,000 users at more than 4,000 client firms.

Fast, real-time access without costly manual entry.Our European coverage incorporates the standards and processes we have perfected over 24 years.

We’re able to publish data and news with a speed that has already astonished the European banking

community. We gather data from multiple sources, scrub it for accuracy and standardise it to facilitate

comparisons. No more searching, waiting or manual entry.

Accurate Data – GuaranteedNot only are we faster than any other provider, we’re more accurate as well.You can trust our data to make mission-critical decisions – we have an exclusiveaccuracy guarantee: Find an error in our data and we’ll send you a $50 check.Plus, our numbers link right back to the source documents for easy auditing.

Developed in collaborationwith top banking expertsacross Europe.

SNL spent more than 2½ years developing

our European banking product. We met

with hundreds of banking experts throughout

the Continent to understand accounting and

reporting differences across countries and to

establish commonalities.

We built a “brain trust” of 43 industry-

leading firms to provide ongoing feedback

during our pre-launch period. These

advisors included:

• 13 investment banks, including 5 ofthe top 10 advisors on European bankacquisitions

• 12 asset managers, with a combined$2.5 trillion in assets under management

• 8 independent research andconsulting firms

• 5 European central banks/regulators orother government agencies

• 5 commercial banks

Over 500 financial data items and keyratios on Europe’s first common platform,facilitating strict peer comparisons.

SNL provides European banking with a common language. Our

exclusive IFRS banking template simplifies comparisons across

different institutions in multiple countries without time-consuming

manual entry of data. Easily compare banks in the United Kingdom, Italy,

France, Sweden, Poland and more. SNL performs all currency conversions

and language translations, saving you valuable time.

“For the first time, I have a database that allows me to quickly find very detailed informationon savings banks in Norway while also allowing me to do valid comparisons againsthundreds of peer companies throughout Europe. SNL has increased my team’s capabilities,while freeing us from tedious data entry.”

Kjetil Lind Andersen, Senior Associate, Argo Securities

Regulatory CapitalOur standardisedregulatory capital reportbreaks down thecomponents of risk-weighted capital andassets.

Excel® TemplatesBuilt-in Excel templatesfacilitate easy peeranalysis, pricing comps,debt maturity schedulesand more.

A new standard of speed and accuracy for 700 banks.Analyse comprehensive data, news and documents on approximately 700 banks as well as

information on insurance and financial services firms. Our detailed banking-specific template

simplifies European reporting inconsistencies and accounting intricacies. It incorporates over 500

financial items, plus ratios, to permit easy comparisons between banks across Europe. Our

standardised ratios facilitate benchmarking, screening and peer analysis.

A team of 50+ SNL analysts is devoted to this dataset alone, hand-entering each item into our

heavily-vetted template. We publish the latest data faster than any other provider and guarantee

accuracy.

More informative views, with access to the source.Instantly see the original source document for any number with a single click. Dissect ratios with

ease. Look at as-reported balance sheets, income statements and regulatory capital tables.

Review balance sheets by nature (loans, equity security investments) and by classification (held for

trading, amortised cost). Track income statements with standardised pre-impairment operating profit,

impairment detail and yield/cost information. Dissect the components of tier 1, tier 2 and total

capital. Evaluate loan and deposit composition by type, currency, geography and maturity schedules.

Our credit quality metrics include gross and net impaired loans as well as past-due loans. Our

segmentation breaks out business lines as well as geography.

The branch and M&A data you needfor strategic analysis, with push-buttonmapping.

Create professional-quality branch maps with point-and-click

ease to visualise a company’s branch network or the

geographical impact of a merger. Perform effective market and

competitor analyses with our bank branch analytics. Evaluate

mergers, acquisitions or divestitures with our banking-specific M&A comp

ratios. Study five years of historical M&A data and equity offerings.

“Having looked for a product similar to SNL for European banks and not finding anything remotelyclose to it, I was keen to partner with them and be a beta tester for their European banking product.I’ve been quite pleased with the initial beta releases of the product and look forward to the productbecoming recognised as the industry standard in Europe just as it is throughout North America.”

Ivan Zubo, Bank Credit Analyst, BNP Paribas CIB

M&A and Branch MapsAnalyse a singlecompany’s branchnetwork or assess thecombined footprint fora potential merger.Get complete coverageof vital deal metricsand key players.

Analyse and map over 220,000 bank branches.SNL’s team of analysts has compiled the largest single dataset of European bank branches: over

220,000 locations for covered banks in over 40 countries. View a summary of each bank’s retail branch

locations by country. Generate professional-quality maps for a single company or multiple companies

with the push of a button. Perform branch overlap analytics and robust merger or divestiture analysis

using our built-in application to see how many branches two companies have within a specified distance

of one another.

Data and tools to support M&A and capital-raising strategies.Review company merger and capital-raising histories – we provide five years of M&A data and equity

offerings, including detailed deal comps. Our comprehensive capital structure data helps you drill down

to specific company debt or equity issues. Look at debt maturity schedules. Check buyer and seller stock

performance. Read our newsletters and alerts for the latest deal news and click on text links for detailed

company profiles, deal histories and documents. Link instantly from company profiles to relevant articles.

Track M&A transactions geographically, analyse synergies and perform deal scenario mapping. Use SNL’s

flexible Excel add-in tool to create your own customised models and charts, which update at the touch of

a button whenever we update our database.

Europe’s first up-to-the-minute hubof news, data and insight, backed bya library of source documents.

Stay on top of current news and trends with SNL’s real-time news

updates, newsletters and The Daily Dose, our early morning

summary of local banking news across the Continent, translated

as needed. Access original sources with one click – SNL

archives all original documents, collected from company Web sites, regulatory

bodies and stock exchanges.

“Covering the plethora of European banks’ financials across so many systems has become somuch easier thanks to SNL’s new European product. At long last, we have what we were waiting for.I especially appreciate the promptness, consistency, accuracy and comparability.”

Sam Theodore, Banking Sector Manager, Financial Services Authority

The Daily Dose summarisesall of the major newsstories from Europe’s majorpublications, published at8:00 am London time,every business morning.

SNL European FinancialsDaily delivers the bankingnews you need from everycorner of Europe. Eachissue combines proprietarySNL reporting and analysiswith time-saving newssummaries from hundredsof media sources.

News and analysis: proprietary SNL reporting and time-saving summaries.Never miss a beat. Every business morning, check The Daily Dose, SNL’s summary of relevant local

financial news culled from hundreds of newspaper and newswire sources across Europe, summarised

in English for you. Receive SNL’s own proprietary in-depth reporting, news and insight from our

experienced journalists and analysts. SNL’s European Financials Daily provides a unique perspective

with regular features, market columns, portfolios and breaking news. You’ll also receive relevant

email alerts throughout the day.

The most complete library of original company documents.You have the option of viewing data in our exclusive standardised European template or clicking

through to original documents. We have assembled a library of hundreds of thousands of corporate

source documents, collected from company Web sites, regulatory bodies and stock exchanges.

Our source-tagging gives you single-click access to the source documents behind the numbers.

Go back to annual, interim and quarterly reports. View investor presentations from M&A to earnings

and review conference call transcripts. Review debt and equity offering prospectuses. Read press

releases. We even provide Basel II, Pillar 3 statements.

The most accurate, comprehensive and timely

data is also easy to use. SNL’s Web-based interactive

platform, analytical tools and expert client support team

open up new realms of possibility, enabling you to quickly

transform information into investment and business decisions. Let us show you

how to maximise the returns on your SNL subscription.

Our interactive platform, Excel®

add-in and expert support make it easyto maximise SNL.

With SNL’s interactive platform and Excel add-in, European banking data enters a new era.The speed and easy access of SNL’s Web-based interactive platform bring European banking data

into the 21st century. Analysing the European banking industry is no longer a painstaking and

time-consuming process, requiring data from multiple sources to be gathered and transcribed

by hand.

Our point-and-click menus make data easy to manipulate and analyse. SNL also provides a host of

customisable analytical tools. SNLxl, our powerful Excel add-in, allows you to seamlessly integrate

SNL data into your spreadsheets and models. Build your own template once, then update it at the

touch of a button whenever we update our database. Create your own customised spreadsheets or

tap into our extensive library of pre-built templates.

Expert client support and free training maximise SNL value.SNL’s customer support advisors are experts in financial analysis, the banking sector and SNL’s

products. We offer 24/7 support and free product training. SNL Support is available to answer your

questions at any time, from anywhere, around the clock. That’s one reason SNL renewal rates

consistently exceed 94%. Talk to our experts to harness the power of SNL to meet your business

goals. And we don’t rest on our laurels. Continuous improvement is an SNL hallmark. Our

European coverage will continue to set new standards.

Pre-Built TemplatesFull financial and market dataavailable in Excel templatesfor easy and comprehensivescreening. Pull the reportsyou want to see – capitaladequacy, asset quality,performance and yield ratios –you name it, it’s here.Portfolios allow you to pick thecompanies that most interestyou and receive alerts andsummaries to make sure youdon’t miss a beat.

Excel Add-inOur SNLxl add-in means thatyou don’t need to waste anytime exporting data. It’s all atyour fingertips with a few easyclicks – simply select yourcriteria and SNL’s data flowsdirectly into your spreadsheets,with one-click updates.

European Coverage

London7 Birchin Lane, 2nd FloorLondon, EC3V 9BWUnited Kingdom+44 (0)20 7398 0873

New YorkTrinity Centre115 Broadway, 16th FloorNew York, NY 10006United States+1.866.296.3743

Other SNL offices:

Charlottesville, VA, U.S. (Headquarters)Ahmedabad, IndiaArlington, VA, U.S.Boston, MA, U.S.Boulder, CO, U.S.Islamabad, PakistanJersey City, NJ, U.S.Monterey, CA, U.S.Richmond, VA, U.S.

To request a productdemonstration, contact:

Sales@SNL.comwww.SNL.com

SNL offers comprehensive coverage ofthe European banking sector, trackingcompanies in the following countries:

Profiles of the banking industry in each country.

AUSTRIABELARUSBELGIUMBOSNIABULGARIACROATIACYPRUSCZECH REPUBLICDENMARKESTONIAFAROE ISLANDSFINLANDFRANCEGERMANYGREECEGREENLANDHUNGARYIRELANDITALYLATVIALIECHTENSTEINLITHUANIA

LUXEMBOURGMACEDONIA (FYROM)MALTAMOLDOVAMONACOMONTENEGROTHE NETHERLANDSNORWAYPOLANDPORTUGALROMANIARUSSIASERBIASLOVAKIASLOVENIASPAINSWEDENSWITZERLANDTURKEYUKRAINEUNITED KINGDOM

SNL’s country profiles allow you to compare countries acrossmultiple macroeconomic and aggregate banking indicators aswell as to assess branch networks, M&A and capital-raisingactivity. You can scan across years of history andprojections, bringing sovereign context to your banking analysis.