Presentation (correction slide 18) - Dexia.com

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Dexia Group Dexia 2014: A Retail Group with 10 million clients Closing remarks and Q&A Pierre Mariani CEO
Dexia Group Target 2014 1 2 3 4 Ambition 2014 A robust financial structure Rebalanced activities towards Retail A solid growth engine in Turkey A Group driven by operational excellence Target 2012 Stable pre-tax income versus 2009: ~EUR 1.4 bn Solid commercial dynamic: Commercial income 1 +4% p.a. (09-12) ST funding/Total balance sheet at/below 15% Strong solvency: Core Tier 1 at ~14% 2 C/I ratio: < 65% Target 2014 Pre-tax income: ~EUR 1.8 bn Investment or dividend payment capacity ST funding/Total balance sheet at 11% Core Tier 1 at ~15% 2 and Common equity ratio > 9% under Basle III ROE: > 11% (Normative 3 ) ROE: > 8% (Stated) 165 Note: (1) Excluding non-commercial revenues (2) Under Basel II, assuming sale of Crediop and Sabadell at book value and dividend pay-out ratio: 30% p.a. from 2012 (3) Normative ROE according to EC capital requirement
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Disclaimer This presentation and th
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Dexia 2014: A Retail Group with 10
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Financial restructuring: Scaled dow
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Financial restructuring: Non-commer
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Capturing Retail upside in a fast g
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Dexia teams sharing clear strategic
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Investor Day 2010 - Agenda 11h00 -
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Economic scenario: Slow recovery in
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Dexia 2014: Key drivers of balance
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LT wholesale funding program aligne
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Significant improvement of Group sh
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Target 2014: Stringent management o
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Target 2014: Strong rebound of Dexi
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New capital regulations: Basel III
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New liquidity regime: Getting prepa
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Legacy division Deleverage balance
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Sustained pace of asset sales in 20
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Dedicated set up in place to manage
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Bond portfolio in run-off (EUR bn)
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Financial Products portfolio Financ
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After 2014: Ability to hold and man
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Financials: Progressive decrease in
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Public and Wholesale Banking Renew
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PWB 2014: Renew with sustainable sc
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Our ambition: Renew with sustainabl
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Public Banking Belgium 2010: Qualit
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Public Banking Belgium 2010: Contin
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Public Banking France 2010: Quality
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Public Banking France 2010: A recog
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Corporate Banking Belgium 2010: Ree
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Project Finance 2010: A well recogn
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PWB Target 2014: Renew with sustain
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PWB target 2014 Public Banking Bel
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Belgium and Luxembourg: Wealthy and
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Belgium: A concentrated and mature
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Strong Retail position with full te
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A resilient and solid franchise thr
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Our ambition: Unlock growth potenti
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Commercial targets in network to gr
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EUR 350 m Capex investment plan lau
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Roll-out of Open Branch Concept on
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A new in-branch specialized sales &
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Branch re-clustering and optimizing
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Launch of innovative offers to supp
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Operating efficiency under close sc
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RCB Luxembourg Consolidate local fr
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Dexia: A major actor in Luxembourg
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A domestic and international Privat
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By 2014: Increase market share in R
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By 2014: Reinforce Private Banking
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By 2014: Further improve cost effic
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RCB Belgium and Luxembourg Enhance
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Asset Management & Services Manage
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Asset Management An efficient and r
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Resilience proven through the crisi
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A client-centric business model, ad
Page 114 and 115: Dexia AM Target 2014: Deliver furth
Page 116 and 117: DIS: A key insurance player with a
Page 118 and 119: Going forward, Dexia Insurance to d
Page 120 and 121: DVV: Investment plan to develop tie
Page 122 and 123: Investor Services A well recognized
Page 124 and 125: Recent industry trends creating bot
Page 126 and 127: RBC Dexia Investor Services is well
Page 128 and 129: Investor Services Target 2014: Deli
Page 130 and 131: In a nutshell: DenizBank, a sustain
Page 132 and 133: Several socio-economic indicators c
Page 134 and 135: Current level of banking penetratio
Page 136 and 137: DenizBank, the most influential pro
Page 138 and 139: DenizBank growth outperformed the m
Page 140 and 141: Accelerated branch opening over the
Page 142 and 143: Strong Commercial and Corporate seg
Page 144 and 145: Deniz 2014: Be the first alternativ
Page 146 and 147: Network: DenizBank to open 300+ new
Page 148 and 149: SME & Agricultural Banking: DenizBa
Page 150 and 151: Overall: Increased weight of Retail
Page 152 and 153: Operating model Reach operational e
Page 154 and 155: Reaching operational excellence fac
Page 156 and 157: Efficiency measures 2008-2011: Capt
Page 158 and 159: Industrialisation 2008-2011: Manage
Page 160 and 161: Examples of intra-group efficiency
Page 162 and 163: Close monitoring system in place St
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Page 168 and 169: Philippe Rucheton Philippe Rucheton
Page 170 and 171: Stefaan Decraene The first part of
Page 172: André Vanden Camp André Vanden Ca
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Presentation (correction slide 18) - Dexia.com

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