(Approval of the consolidated balance sheet and the consolidated profit and loss account at 31 December 2005)

The Ordinary General Meeting, having reviewed the reports of the Board of Directors and the Auditors on the consolidated financial statements for the year ended 31 December 2005, approves the consolidated balance sheet at 31 December 2005 and the profit and loss account for 2005 prepared in accordance with the international accounting standards (IFRS) adopted by the European Union.

Presentation of the resolution

The first two resolutions concern approval of the 2005 financial statements of the Group and the Bank after hearing the reports of the Board of Directors and the Auditors.