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Contents Address by the Chairman of
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a socially useful construction, fur
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y 16%, assets under management of o
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Development of the External Environ
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VUB’s 2007 Commercial Performance
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Basic Indicators Basic Indicators i
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Consolidated balance sheet at 31 De
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Consolidated statement of changes i
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Notes to the consolidated financial
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The assets and liabilities arising
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the fair value of the assets given,
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The fair value of securities held f
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Embedded derivatives The VUB Group
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3.16 Intangible assets Intangible a
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3.22 Legal reserve fund In accordan
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3.30 Future changes in accounting p
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7. Financial assets held for tradin
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10. Loans and advances to customers
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Maturities of gross fi nance lease
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13. Investments in associates and j
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The goodwill is reviewed for impair
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17. Current income tax assets 2007
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24. Other liabilities 2007 2006 Var
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(a) Issued guarantees Commitments f
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31. Salaries and employee benefits
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35. Profit before changes in operat
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37. Financial risk management Intro
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The following table describes the G
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(b) Market risk Market risk is the
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The re-pricing structure of assets
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(c) Liquidity risk Liquidity risk i
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The Intesa Sanpaolo Group’s inter
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39. Related parties Related parties
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Balance sheet at 31 December 2007 (
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Statement of changes in equity for
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Notes to the separate financial sta
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2.5 Foreign operations The fi nanci
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2.10 Repurchase and reverse repurch
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2.12 Offsetting financial instrumen
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2.18 Leasing The determination of w
- Page 82 and 83: 2.28 Significant accounting judgeme
- Page 84 and 85: 3. Cash and cash equivalents For th
- Page 86 and 87: 2007 2006 2007 2006 Assets Assets L
- Page 88 and 89: During 2007, the Bank wrote off loa
- Page 90 and 91: 12. Subsidiaries, associates and jo
- Page 92 and 93: 15. Current income tax assets 2007
- Page 94 and 95: 22. Other liabilities 2007 2006 Var
- Page 96 and 97: (a) Issued guarantees Commitments f
- Page 98 and 99: 30. Other operating expenses 2007 2
- Page 100 and 101: 34. Estimated fair value of certain
- Page 102 and 103: 35. Financial risk management Intro
- Page 104 and 105: The following table describes the B
- Page 106 and 107: (b) Market risk Market risk is the
- Page 108 and 109: The re-pricing structure of assets
- Page 110 and 111: (c) Liquidity risk Liquidity risk i
- Page 112 and 113: The Intesa Sanpaolo Bank’s intern
- Page 114 and 115: 37. Related parties Related parties
- Page 116 and 117: Review of the Economic and Financia
- Page 118 and 119: List of VUB Branches Retail Busines
- Page 120 and 121: Postal Code Address Tel. No. Fax Re
- Page 122 and 123: Postal Code Address Tel. No. Fax Re
- Page 124 and 125: Corporate Branches Firemné obchodn
- Page 126 and 127: Structure of VUB Shareholders as at
- Page 128 and 129: VUB, a bank of Intesa Sanpaolo grou
- Page 130 and 131: Vladimíra Josefiová - Member of M