Compliance with CRD-IV

Pursuant to Article 96 of the fourth Capital Requirement Directive (CRD IV) institutions are required to explain how they comply with Articles 88 to 95 of CRD IV on their website. This requirement has been implemented in Dutch Law through Article 134b of the Decree on Prudential Measures of the Financial Supervision Act (Besluit prudentiële regels Wft). This document provides an explanation on how GarantiBank International N.V. complies with the aforementioned requirements.