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Press releaseAmsterdam, 24 October 2016

BinckBank N.V. trading update third quarter 2016 • Adjusted net earnings per share in 16Q3 at € 0.11 unchanged versus 16Q2• Net interest income in 16Q3 rose by 18% driven by investments in Dutch residential mortgages (16Q3€ 404.9 million)• 2016 Share buyback program (€ 25 million) completed in 16Q3• Progress on revised strategy and implementation of the 9-grid:

- Investing: Introduction of new discretionary asset management service Investing for You in Belgium in 16Q4 - Saving: Partnership with SafeNed in preparation of the introduction of the savings broker product in

The Netherlands. Pilot with selected Dutch clients to commence in 16Q4• It has been decided on 15 October 2016 to abolish the Belgium speculation tax

Key figures quarterly comparisonConsolidated (figures in EUR 1,000’s, un less otherwise stated) 16Q3 16Q2 ý Q2 16Ytd 15Ytd ý Ytd

Customer figuresNumber of transactions 1,756,501 1,854,173 -5% 5,734,841 7,292,388 -21%Assets under administration 21,724,150 20,731,406 5% 21,724,150 19,144,157 13%Assets under management 1,439,652 1,492,428 -4% 1,439,652 1,692,605 -15%

Adjusted income statementNet interest income 6,894 5,849 18% 19,146 19,571 -2%Net fee and commission income 24,755 26,905 -8% 79,446 100,853 -21%Other income from operating activities 3,332 2,717 23% 8,609 9,873 -13%Total income from operating activities 34,981 35,471 -1% 107,201 130,297 -18%Total adjusted operational expenses* 28,546 27,779 3% 84,698 82,053 3%Adjusted result from operating activities 6,435 7,692 -16% 22,503 48,244 -53%Adjusted tax* 723 406 1,398 (2,838)Share in results of associates (412) (359) (856) (414)Adjusted net result* 6,746 7,739 -13% 23,045 44,992 -49%Result attributable to non-controlling interests (5) (2) (60) (1,010)Adjusted net result attributable to share-holders BinckBank* 6,741 7,737 -13% 22,985 43,982 -48%

Adjusted net earnings per share 0.11 0.11 0.34 0.63

Cost / income ratio 82% 78% 79% 63%

Capital adequacyCommon equity Tier 1 243,725 240,099 2% 243,725 246,436 -1%Capital ratio 33.2% 36.3% 33.2% 38.4%Leverage ratio 6.9% 6.8% 6.9% 6.3%

* Compared to the IFRS results, total operating expenses and taxes have been adjusted. The adjusted statement of income presents better information on the bank’s financial performance. The reconciliation is presented on page 3. The change will also improve comparability going forward, since the intangible assets acquired with Alex will be fully amortised at year-end 2017 and starting from that point there will be no more adjusting items on the net result attributable to shareholders of BinckBank. The adjusted net result is the basis for the dividend policy.

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Vincent Germyns, chairman of the executive board of BinckBank N.V.

“Market sentiment in 2016 remains less favourable than in 2015 and despite the summer months generally being a slow period for investors, transactions decreased with only 5% compared to the previous quarter. This decrease is mainly due to low market volatility following the Brexit. A positive development in the third quarter was the increase of the net fee and commission income per transaction due to a higher average order size per transaction. Interest income derived from the portfolio of Dutch residential mortgages has delivered a clear positive contribution to the interest income this quarter. In addition, BinckBank completed the share buyback program for a total amount of € 25 million on 23 September 2016.

In line with the planning BinckBank intends to introduce two new services in the fourth quarter as part of its new strategy Redesign Binck. This will provide BinckBank with additional building blocks in the Navigator role augmenting current activities in the Trading segment and enabling BinckBank to provide services within the Investing (Binck Investing for You) and Saving (Binck Savings) sections of the 9-grid.

Investing for You will be introduced as a new service for Belgian customers under the label Binck later this year. The size of the market, the unique proposition and the strong BinckBank position in Belgium offer good opportunities for this new form of discretionary asset management. The new savings broker product Binck Savings will start as planned in Q4 with a pilot under part of the Dutch clients."

Notes to the consolidated result 16Ytd

The adjusted net result in the first three quarters of 2016 amounted to € 23.0 million, giving an adjusted net result of € 0.34 per share. This is a decline of 48% compared to the same period in 2015 (15Ytd: € 44.0 million, € 0.63 per share).

The decline of the adjusted net result is mainly due to the continued lower number of transactions in 2016 compared to 2015. This led to a 21% lower fee and commission income of € 79.4 million (2015 Ytd: € 100.9 million). Net interest income slightly declined from € 19.6 million to € 19.1 million in 2016 compared to the same period in 2015. Interest income derived from the Dutch residential mortgages have clearly contributed positively to the net interest income in Q3.

Total adjusted operational expenses came to € 84.7 million in the first three quarters of 2016, which is 3% higher than the comparable period in 2015 (15Ytd: € 82.1 million). This increase is mainly a result of expenses relating to implementation of the new strategy known as Redesign Binck. Additional costs in the first three quarters of 2016 were € 1.4 million for contribution to the Deposit Guarantee Scheme (DGS) and € 0.4 million resulting from the adjustment of the composition and basis for the bank tax in Belgium. The cost/income ratio rose to 79% at 30 September 2016, influenced by higher expenses on one hand and lower operational income on the other. BinckBank is aiming for a cost/income ratio of 65% in 2018.

In the first three quarters of 2016 assets under administration rose by 13% to € 21.7 billion. This increase is an indication of the confidence by clients in BinckBank and is favourable for the roll-out of the strategy and the new earnings model.

The capital ratio declined by 5.2% to 33.2% by September 2016 compared to last year (15Ytd 38.4%). The decline of the ratio was mainly caused by higher risk weighted assets as a result of the investment in mortgages.

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Reconciliation of the adjusted net result to IFRS-result

The table below reflects the reconciliation to the adjusted net result to the IFRS-result. In order to determine the adjusted net result the IFRS amortisation and the tax saving on the difference between the amortisation of the intangible assets and goodwill paid on the acquisition of Alex for tax purposes and for commercial purposes is adjusted in the relevant items in the statement of income.

(figures in EUR 1,000’s, un less otherwise stated) 16Q3 16Q2 16Ytd 15Ytd

Reconciliation of the adjusted net result to IFRS-resultAdjusted net-result 6,746 7,739 23,045 44,992Adjustment IFRS-amortisation (5,379) (5,379) (16,136) (16,136)Adjustment fiscal goodwill amortisation (1,102) (1,102) (3,305) (3,305)IFRS-result 265 1,258 3,604 25,551

Interim financial statements

30 September 2016

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(figures in EUR 1,000’s, unless otherwise stated) 30 September 2016 31 December 2015

AssetsCash and balances at central banks 501,717 178,365 Banks 138,456 178,244 Financial assets held for trading 15,889 12,297

Financial assets designated at fair value through profit and loss 12,391 15,405

Financial assets available-for-sale 796,391 1,167,121 Financial assets held-to maturity 842,902 813,484 Loans and receivables 879,736 502,006 Associates 1,190 1,227 Intangible assets 173,804 190,560 Property, plant and equipment 32,556 34,830 Current tax 11,511 7,945 Deferred tax assets 1,071 1,121 Other assets 109,669 28,103 Prepayments and accrued income 35,114 45,122 Derivative positions held on behalf of clients - 260,505 Total assets 3,552,397 3,436,335

LiabilitiesBanks 4 23,582 Financial liabilities held for trading 15,990 12,286 Financial liabilities designated at fair value through profit and loss 746 46 Funds entrusted 3,037,477 2,589,714 Provisions 7,214 7,884 Current tax liabilities 103 19 Deferred tax liabilities 31,254 27,874 Other liabilities 52,069 66,080 Accruals and deferred income 10,590 10,865 Derivative positions held on behalf of clients - 260,505 Total liabilities 3,155,447 2,998,855

Equity attributable to:Owners of the parent 395,594 436,184 Non-controlling interests 1,356 1,296 Total equity 396,950 437,480 Total equity and liabilities 3,552,397 3,436,335

Interim financial statements as per 30 September 2016

I. Condensed consolidated statement of financial position

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(figures in EUR 1,000’s, unless otherwise stated) 16Q3 15Q3 16Ytd 15Ytd

IncomeInterest income 7,963 7,704 21,694 22,313 Interest expense (1,069) (986) (2,548) (2,742)

Net interest income 6,894 6,718 19,146 19,571 Fee and commission income 29,553 36,654 94,422 120,557 Fee and commission expense (4,798) (5,938) (14,976) (19,704)

Net fee and commission income 24,755 30,716 79,446 100,853 Other income 2,627 2,806 7,192 8,262 Result from financial instruments 759 491 1,503 1,576 Impairment of financial instruments (54) (28) (86) 35

Total income from operating activities 34,981 40,703 107,201 130,297

ExpensesEmployee expenses 12,013 12,987 37,999 40,308 Depreciation and amortisation 6,450 6,773 19,734 20,264 Other operating expenses 15,462 10,969 43,101 37,617

Total operating expenses 33,925 30,729 100,834 98,189

Result from operating activities 1,056 9,974 6,367 32,108

Share in results of associates (412) (215) (856) (414)

Result before tax 644 9,759 5,511 31,694 Tax (379) (1,016) (1,907) (6,143)

Net result 265 8,743 3,604 25,551

Net result attributable to:Owners of the parent 260 7,587 3,544 24,541 Non-controlling interests 5 1,156 60 1,010

Net result 265 8,743 3,604 25,551

Basic and diluted earnings per share (in EUR) 0.00 0.12 0.05 0.36

II. Condensed consolidated income statement

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(figures in EUR 1,000’s, unless otherwise stated) 16Q3 15Q3 16Ytd 15Ytd

Net result from income statement 265 8,743 3,604 25,551

Other comprehensive income recognised on realisation through profit and lossNet gain/(loss) on available-for-sale financial assets 338 (388) 745 (3,324)Income tax relating to components of other comprehensive income (73) 83 (161) 715

Other comprehensive income, net of tax 265 (305) 584 (2,609)

Total comprehensive income, net of tax 530 8,438 4,188 22,942

BinckBank N.V. has no other comprehensive income that will not be recognised on realisation through profit and loss.

Result attributable to:Owners of the parent 525 7,282 4,128 21,932Non-controlling interests 5 1,156 60 1,010

Total realised and unrealised results, net of tax 530 8,438 4,188 22,942

IV. Condensed consolidated cash flow statement

(figures in EUR 1,000’s, unless otherwise stated) 16Ytd 15Ytd

Cash flow from operating activities 7,813 446,833Cash flow from investment activities 318,888 (165,464)Cash flow from financing activities (44,806) (31,626)

Net cash flow 281,895 249,743

Opening balance of cash and cash equivalents 352,532 225,117Net cash flow 281,895 249,743Effect of exchange rate changes on cash and cash equivalents 1,669 1,560

Closing balance of cash and cash equivalents 636,096 476,420

The cash and cash equivalents presented in the condensed consolidated cash flow statement are included in the consolidated statement of financial position under the following headings at the amounts stated below:Cash and balances with central banks 501,717 249,063Banks 138,456 230,680Banks – non cash equivalents (4,077) (3,323)Total cash and cash equivalents 636,096 476,420

III. Condensed consolidated statement of comprehensive income

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(figures in EUR 1,000’s, unless otherwise stated)

Issuedshare

capital

Sharepremium

reserveTreasury

sharesRevaluation

reserveOther

reserves

Non-controlling

interestsTotal

equity

1 January 2016 7,100 361,379 (4,979) 1,526 71,158 1,296 437,480 Net-result for the year - - - - 3,544 60 3,604 Other comprehensive income - - - 584 - - 584

Total comprehensive income - - - 584 3,544 60 4,188

Final dividend FY15 - - - - (17,199) - (17,199)

Interim dividend FY16 - - - - (2,657) - (2,657)

Grant of rights to shares - - - - 88 - 88 Shares issued to executive board and employees

- - 461 - (461) - -

Share buy-back - - (24,950) - - - (24,950)30 September 2016 7,100 361,379 (29,468) 2,110 54,473 1,356 396,950

(figures in EUR 1,000’s, unless otherwise stated)

Issuedshare

capital

Sharepremium

reserveTreasury

sharesRevaluation

reserveOther

reserves

Non-controlling

interestsTotal

equity

1 January 2015 7,100 361,379 (5,570) 3,777 73,341 220 440,247 Net-result for the year - - 24,541 1,010 25,551 Other comprehensive income - - - (2,609) - - (2,609)

Total comprehensive income - - - (2,609) 24,541 1,010 22,942

Final dividend FY14 - - - - (21,787) - (21,787)

Interim dividend FY15 - - - - (9,839) - (9,839)

Grant of rights to shares - - - - 351 - 351 Shares issued to executive board and employees

- - 591 - (591) - -

30 September 2015 7,100 361,379 (4,979) 1,168 66,016 1,230 431,914

V. Condensed consolidated statement of changes in equity

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VI. Selected notes

1. General information

BinckBank N.V., incorporated and established in the Netherlands, is a public limited liability company subject to Dutch law. The shares of BinckBank N.V. are publicly traded. BinckBank is officially domiciled at Barbara Strozzilaan 310, 1083 HN Amsterdam. BinckBank N.V. provides conventional and internet broking services in securities and derivative transactions for private and professional investors. In addition to its brokerage services, BinckBank N.V. offers asset management services. In this document, the name ‘BinckBank’ is used to refer to BinckBank N.V. and its various subsidiaries.

The condensed consolidated figures for the year ending on 30 September 2016 have been prepared by the BinckBank executive board and approved for publication pursuant to the resolution of the executive board and the supervisory board dated 24 October 2016.

2. Principles for financial reporting

BinckBank applies the International Financial Reporting Standards as adopted by the European Union, known as ‘IFRS-EU’. The condensed consolidated results for the period ending 30 September 2016 are prepared in accordance with the standards applied in the consolidated annual financial statements on 31 December 2015. Binck will not use early application of new standards or amendments of standards and interpretations that have not yet taken effect, or have not yet been ratified by the European Union.

The condensed consolidated figures are in euros and all figures are rounded to the nearest thousand (EUR x 1,000), unless otherwise stated. The condensed consolidated figures for the period ending on 30 September 2016 do not contain all the information required for full financial statements and should therefore be read in combination with the consolidated financial statements for 2015. The consolidated financial statements of BinckBank for the 2015 financial year are available on request from the Investor Relations department on +31 (0)20 522 0392 or via www.binck.com.

3. Notes to the consolidated figures for the period ending on 30 September 2016

Financial assets available for sale and financial assets held to maturityAs at 30 September 2016 the bond portfolio available for sale amounted to € 796.4 million (31 December 2015: € 1,167.1) and the portfolio held to maturity amounted to € 842.9 million (31 December 2015: € 813.5 million). The decrease in the bond portfolios is related to the investment in the mortgage portfolios in 2016.

Loans and receivablesThe loans and receivables comprise of collateralized loans amounting to €474.8 million and the investment in mortgage loans amounting to €404.9 million.

BinckBank started its gradual investment in Dutch residential portfolios at the beginning of 2016 in association with its partner Dynamic Credit. In addition, on 15 July 2016, BinckBank acquired a portfolio of Dutch residential mortgages of Obvion amounting to approximately €340 million.

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0

Intangible assetsIntangible assets (including goodwill) are tested annually for impairment, or more frequently if events or changes in circumstances indicate that the carrying amount, less applicable annual amortisation, may be impaired. During the period ending on 30 September 2016 the intangible assets including goodwill were assessed for impairment on the basis of the identified indicators. There was no indication of an impairment of the intangible assets.

Property, plant and equipmentIn the period ending on 30 September 2016 BinckBank acquired property, plant and equipment with a value of € 397,000 (15Ytd: € 448,000).

Other assets and other liabilitiesThe other assets and other liabilities concern mainly significant items that relate to unsettled customer transactions. This item depends on customer transaction volumes around the end of the period, and may therefore fluctuate.

Derivatives positions held on behalf of clientsAs a result of changes to the Securities Giro Transfer Act (Wet giraal effectenverkeer, or ‘Wge’), since 1 April 2016 derivative instruments also fall under the protection of the Wge and are, subject to conditions, segregated from the assets of the institution. BinckBank has accordingly reassessed the recognition criteria under IFRS for the item ‘derivative positions held on behalf of clients’. BinckBank has concluded that in view of the nature of these positions, this item no longer has to be recognised in the statement of financial position under IFRS after 1 April 2016.

Funds entrustedIn the period ending 30 September 2016, the funds entrusted increased compared to 31 December 2015 to € 3.0 billion. The increase of the funds entrusted is the result of client activities and BinckBank holds the related funds partly as current assets like cash.

ProvisionsBinckBank is involved in disputes with contractual parties and customers. Some of these disputes lead to legal proceedings. BinckBank assesses these items on a case-by-case basis and forms a provision if there is a reasonable chance of an expected outflow of assets for legal costs and/or financial settlement of the case in question.

On 17 March 2016 the Dutch Authority for the Financial Markets (AFM) imposed a fine on BinckBank of € 500,000 for late reporting to AFM of transactions in financial instruments. Furthermore the AFM imposed a fine on BinckBank of € 750,000 for unclear and misleading information in commercials for Alex Asset Management during the period 8 September 2012 until 26 August 2014. BinckBank lodged an appeal against this last fine. In 2015 BinckBank had already formed a provision in respect of both fines.

TaxTax is calculated at the estimated average rate of tax for the entire year 2016. The average tax rate, taking account of holding exemptions and other tax facilities, is 34.6% (15Ytd: 19.4%). The increase in the effective tax rate is mainly due to the relative effect of tax allowances with respect to current tax on the annual result before tax.

(figures in EUR 1,000’s, unless otherwise stated) 16Ytd 15Ytd

Current tax 1,306 6,761 Deferred taxes 601 (618)Tax according to the income statement 1,907 6,143 Tax on other comprehensive income 161 (715)Total taxes 2,068 5,428

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1

Share buy-back programIn the first quarter of 2016, BinckBank assessed the adequacy of its capital and liquidity position and the businessoutlook in the context of CRR/CRD and the guidelines from the ECB. This assessment led to a decision to initiate a sharebuy-back program for an amount of € 25 million. During the period of 19 February until 30 September 216 BinckBankcompleted the share buy-back program and repurchased a number 4,632,720 shares at an average cost price of € 5.386.

Fair value of financial instrumentsFor the determination of the fair value of the financial instruments, see the financial statements for 2015. No changes to the application for fair value have taken place in the period ending 30 September 2016. There were also no reclassifications of financial assets between the various valuation levels. The valuation levels of financial instruments measured at fair value are as follows:

(figures in EUR 1,000’s, unless otherwise stated) Level 1 Level 2 Level 3 Total30 September 2016Financial assets - held for trading 15,787 102 - 15,889 Financial assets - designated at fair value through profit and loss 12,391 - - 12,391 Financial assets - available for sale - 796,391 - 796,391 Total assets 28,178 796,493 - 824,671 Financial liabilities - held for trading 15,809 181 - 15,990 Financial liabilities - designated at fair value through profit and loss 746 - - 746

Total liabilities 16,555 181 - 16,736

31 December 2015Financial assets - held for trading 12,138 159 - 12,297

Financial assets - designated at fair value through profit and loss 15,405 - -

15,405 Financial assets - available for sale - 1,167,121 - 1,167,121 Total assets 27,543 1,167,280 - 1,194,823 Financial liabilities - held for trading 12,144 142 - 12,286 Financial liabilities - designated at fair value through profit and loss

46 - -

46 Total liabilities 12,190 142 - 12,332

Commitments and contingent liabilitiesThe commitments and contingent liabilities listed below are current issues that may change from the situation as described in the financial statements for 2015 over time and accordingly further explanation is provided. There are no further matters of interest to report regarding commitments and contingent liabilities appearing in the 2015 financial statements.

Legal proceedingsBinckBank is involved in various legal proceedings. Although it is not possible to predict the outcome of currentor impending lawsuits, the executive board believes – on the basis of information currently available and after taking legal counsel – that the outcomes are unlikely to have material adverse effects on BinckBank's financial position or profitability, apart from matters which have already led to the formation of a provision.

Alex Asset ManagementIn the period ending 30 September 2016 BinckBank has received 44 claims relating to Alex Asset Management. As at 30 September 2016, BinckBank had received a total of 193 claims from customers stating that they had suffered losses on their investments as a result of the Alex Asset Management product amounting in total to € 4.7 million. A number of 179 of the claims have been submitted to Kifid (€ 4.3 million). Another 14 claims are still in the correspondence phase. The ‘Vermogensmonitor’ mediation service, which has announced that it is prepared to initiate proceedings against

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BinckBank in relation to Alex Asset Management on behalf of customers, has also announced that it will cooperate with the Dutch Investors’ Association (the VEB) in a collective action against Alex Asset Management. The Financial Ombudsman (Kifid) has selected a number of the 179 claims for consideration, and is expected to issue its rulings in 16Q4. As in previous periods, there is still a realistic threat that legal proceedings will be brought by customers of Alex Asset Management that are not provided for.

Lawsuit EuronextThe District Court of The Hague ruled in the case Euronext N.V. and Euronext Amsterdam N.V. (“Euronext”) filed against TOM Holding N.V., TOM Broker B.V., TOM B.V. and BinckBank N.V. (BinckBank). The Court awarded a number of claims of Euronext. BinckBank had to discontinue a number of behaviors and furthermore sentenced to pay compensation for damage suffered by Euronext. BinckBank has also been summoned to pay damages suffered by Euronext, of which the amount is to be determined in a damage assessment procedure. BinckBank has appealed against the verdict. Also, the board believes – based on information currently available and after consulting legal advisors – that the amount of this damage can not be determined reliably at this time.

Deposit guarantee schemeThe deposit guarantee scheme is intended to guarantee certain deposits by accountholders if a bank cannot meet its obligations. The scheme provides security for deposits of up to €100,000 and applies per accountholder per bank, regardless of the number of accounts held. In case of a joint account operated by two persons, the maximum applies per person. More or less all savings accounts, current accounts and term deposits are covered. Equities and bonds are not covered. If a credit institution finds itself in difficulties and does not have sufficient funds to pay all or part of the guaranteed amounts to its account holders, De Nederlandsche Bank will make up the difference to the aforementioned maximum. As from 26 November 2015, the funding of the deposit guarantee scheme was changed from an ex-post basis to an ex-ante basis. As from the first quarter of 2016, the banks contribute quarterly to a fund for the deposit guarantee scheme. If the resources of the deposit guarantee fund are not sufficient for compensation, the remainder will be recovered from the banks on a pro rata basis.

BinckBank contributed a sum of € 1.4 million to the scheme in the period ending 30 september 2016.

Related partiesThe group of related parties consists of consolidated companies, associates, and the executive board and supervisory board of BinckBank. The following related parties were identified as at 30 September 2016: TOM Holding N.V. and its affiliated entities, the executive board and the supervisory board of BinckBank.

Capital contributionsIn the period between 1 January and 30 September 2016 an additional capital contribution of € 819,000 was paid into the associate TOM Holding N.V.

Transactions with related partiesBinckBank charged a sum of € 144,000 for premises, office automation and administrative services in the periodending on 30 September 2016 (15Ytd: € 166,000) to related parties and the receivable on these related parties amountsto € 3,000 (15Ytd: € 50,000). In the period ending on 30 September 2016 a sum of €2,189,000 (15Ytd: € 3,185,000) wascharged to BinckBank by related parties for services rendered and the liability to related parties amounts to € 245,000(15Ytd: € 669,000).

Executive board and supervisory board of BinckBankNo transactions with the executive board or the supervisory board took place in the period ending on 30 September 2016 other than those pursuant to the relevant employment contracts or terms of engagement respectively.

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3

Segment reportingA segment is a clearly distinguishable division of BinckBank that provides services to a particular economic market (or market segment) and has a different risk and return profile to that of other segments. In organisational terms, BinckBank’s operations are primarily divided according to the countries in which BinckBank operates. The executive board determines the performance targets for these segments, and authorises and monitors the budgets prepared for these business segments. The management of the business segment is responsible for setting policy for that segment, in accordance with the strategy and performance targets formulated by the executive board.

The business segments consist of: • Netherlands• Belgium• France• Italy• Group operations

The item Group operations includes the departments directly managed by the executive board and for which the income and expenses are not included in one of the other business segments. This includes the expenses of the central ICT, operations and staff departments. In addition, all results from Think ETF Asset Management B.V. and Able Holding B.V. are recognised under Group operations. The allocation of Group operations to the geographical segments is carried out on the basis of an allocation key agreed in advance.

The segment reporting below is prepared in accordance with the principles applied for the financial statements for 2015.

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4

Segmentation overview

(figures in EUR 1,000’s, unless otherwise stated)

01-01-2016 through 30-09-2016

Netherlands Belgium France ItalyGroup

operations Total

Income statementInterest income 16,212 1,109 1,374 899 2,100 21,694Interest expense (397) (31) (21) - (2,099) (2,548)

Net interest income 15,815 1,078 1,353 899 1 19,146Fee and commission income 74,909 8,323 5,887 2,741 2,562 94,422Fee and commission expense (10,596) (1,499) (1,197) (1,458) (226) (14,976)

Net fee and commission income 64,313 6,824 4,690 1,283 2,336 79,446Other income 1,558 - 10 - 5,624 7,192Result from financial instruments 1,313 190 - - - 1,503Impairment of financial assets (4) 2 2 1 (87) (86)Total income from operating activities 82,995 8,094 6,055 2,183 7,874 107,201

Employee expenses 6,504 1,792 2,047 989 26,667 37,999Depreciation and amortisation 16,311 18 10 47 3,348 19,734Other operating expenses 12,890 3,313 3,078 1,582 22,238 43,101Total operating expenses 35,705 5,123 5,135 2,618 52,253 100,834

Result from operating activities 47,290 2,971 920 (435) (44,379) 6,367Internal cost allocation (36,042) (4,796) (4,138) (3,080) 48,056 -Result from operating activities after internal cost allocation 11,248 (1,825) (3,218) (3,515) 3,677 6,367

Share in results of associates (856)Result before tax 5,511Tax (1,907)Net result 3,604

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5

Segmentation overview (continued)

(figures in EUR 1,000’s, unless otherwise stated)

01-01-2015 through 30-09 -2015

Netherlands Belgium France ItalyGroup

operations Total

Income statementInterest income 16,493 1,096 2,071 905 1,748 22,313Interest expense (880) (38) (33) (61) (1,730) (2,742)

Net interest income 15,613 1,058 2,038 844 18 19,571Fee and commission income 95,211 12,707 7,963 2,884 1,792 120,557Fee and commission expense (13,783) (2,422) (1,795) (1,569) (135) (19,704)

Net fee and commission income 81,428 10,285 6,168 1,315 1,657 100,853Other income 1,633 2 18 - 6,609 8,262Result from financial instruments 1,576 - - - - 1,576Impairment of financial assets 26 3 3 3 - 35

Total income from operating activities 100,276 11,348 8,227 2,162 8,284 130,297

Employee expenses 7,219 1,930 1,992 978 28,189 40,308Depreciation and amortisation 16,380 4 4 58 3,818 20,264Other operating expenses 11,385 3,237 2,706 1,590 18,699 37,617

Total operating expenses 34,984 5,171 4,702 2,626 50,706 98,189

Result from operating activities 65,292 6,177 3,525 (464) (42,422) 32,108Internal cost allocation (34,226) (3,770) (4,058) (2,548) 44,602 -

Result from operating activities after internal cost allocation 31,066 2,407 (533) (3,012) 2,180 32,108

Share in results of associates (414)

Result before tax 31,694Tax (6,143)

Net result 25,551

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6

VIII Events after balance sheet date The shareholders of TOM, including BinckBank, have agreed to actively support TOM in finding a new strategic partner that will enable TOM to realise the next step in its development. This event has no effect on the financial position and results of BinckBank by September 30, 2016.

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Other information

BinckBank N.V. 2016/2017Important dates 2016/2017*• Publication Annual results 2016 6 February 2017• Publication Annual report 2016 13 March 2017• Publication trading update first quarter 2017 24 April 2017• General Shareholders meeting 2017 24 April 2017• Ex-dividend 26 April 2017• Record- date dividend 27 April 2017• Payment dividend 3 May 2017• Publication half year report 2017 24 July 2017• Publication trading update third quarter 2017 23 October 2017* Dates subject to change

About BinckBank N.V.:BinckBank NV (BinckBank) is an online bank for investors with a market-leading position in the Netherlands and Belgium, and the third-largest such bank in France. As an online broker, BinckBank offers its clients fast and low-cost access to all major financial markets worldwide. Moreover, as an asset management bank, BinckBank provides support to its customers in the management of their assets through online asset management services and online savings accounts. In addition to private investors, BinckBank has a leading position in the provision of services to independent asset managers in the Netherlands. The company has offices in the Netherlands, Belgium, France, Italy and Spain.

Contact Investor Relations:Véronique SchynsTelephone: +31 (0)20 522 0392 / +31 (0)6 201 98 337

Contact Media Relations:Harmen van der SchoorTelephone: +31 (0)20 522 0378 / +31 (0)6 101 17 363

BinckBank N.V.Barbara Strozzilaan 3101083 HN Amsterdamwww.binck.com