Presentation (correction slide 18) - Dexia.com

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Target 2014: Strong rebound of Dexia profitability (EUR bn) Pre-tax income: +7% p.a. over 2009-2014 26 Note: 2009 Group pre-tax income excl. FSA Inc. PWB excl. Crediop/Sabadell - Assuming sale of Crediop (Mid 2012) and Sabadell (Mid 2013) at book value RCB Be & Lux incl. DBS in 2009
Target 2014: Strong solvency under Basel II framework Solid solvency ratios under Basel II Key drivers Solvency ratios (%) Strong organic capital generation: ~EUR 3.8 bn organic capital to be generated via P&L over 2010-2014 EUR 12 bn decrease in RWA by 2014 • Legacy reduction to result in ~EUR 22 bn of RWA decrease by 2014 • RCB growth in Turkey leading to an increase of ~EUR 23 bn RWA by 2014 • PWB RWA to decrease by ~EUR 5 bn by 2014 • Impact of Crediop and Sabadell divesture: ~EUR 8 bn RWA reduction by 2014 Strong capitalization under Basel II framework 27 Note: Assuming sale of Crediop (Mid 2012) and Dexia Sabadell (Mid 2013) at book value Assuming dividend pay-out ratio: 30% p.a. from 2012 Under Basel II framework
Page 2 and 3: Disclaimer This presentation and th
Page 4 and 5: Dexia 2014: A Retail Group with 10
Page 6 and 7: Financial restructuring: Scaled dow
Page 8 and 9: Financial restructuring: Non-commer
Page 10 and 11: Capturing Retail upside in a fast g
Page 12 and 13: Dexia teams sharing clear strategic
Page 14 and 15: Investor Day 2010 - Agenda 11h00 -
Page 16 and 17: Economic scenario: Slow recovery in
Page 18 and 19: Dexia 2014: Key drivers of balance
Page 20 and 21: LT wholesale funding program aligne
Page 22 and 23: Significant improvement of Group sh
Page 24 and 25: Target 2014: Stringent management o
Page 28 and 29: New capital regulations: Basel III
Page 30 and 31: New liquidity regime: Getting prepa
Page 32 and 33: Legacy division Deleverage balance
Page 34 and 35: Sustained pace of asset sales in 20
Page 36 and 37: Dedicated set up in place to manage
Page 38 and 39: Bond portfolio in run-off (EUR bn)
Page 40 and 41: Financial Products portfolio Financ
Page 42 and 43: After 2014: Ability to hold and man
Page 44 and 45: Financials: Progressive decrease in
Page 46 and 47: Public and Wholesale Banking Renew
Page 48 and 49: PWB 2014: Renew with sustainable sc
Page 50 and 51: Our ambition: Renew with sustainabl
Page 52 and 53: Public Banking Belgium 2010: Qualit
Page 54 and 55: Public Banking Belgium 2010: Contin
Page 56 and 57: Public Banking France 2010: Quality
Page 58 and 59: Public Banking France 2010: A recog
Page 60 and 61: Corporate Banking Belgium 2010: Ree
Page 62 and 63: Project Finance 2010: A well recogn
Page 64 and 65: PWB Target 2014: Renew with sustain
Page 66 and 67: PWB target 2014 Public Banking Bel
Page 68 and 69: Belgium and Luxembourg: Wealthy and
Page 70 and 71: Belgium: A concentrated and mature
Page 72 and 73: Strong Retail position with full te
Page 74 and 75: 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
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Dexia AM Target 2014: Deliver furth
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DIS: A key insurance player with a
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Going forward, Dexia Insurance to d
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DVV: Investment plan to develop tie
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Investor Services A well recognized
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Recent industry trends creating bot
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RBC Dexia Investor Services is well
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Investor Services Target 2014: Deli
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In a nutshell: DenizBank, a sustain
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Several socio-economic indicators c
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Current level of banking penetratio
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DenizBank, the most influential pro
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DenizBank growth outperformed the m
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Accelerated branch opening over the
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Strong Commercial and Corporate seg
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Deniz 2014: Be the first alternativ
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Network: DenizBank to open 300+ new
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SME & Agricultural Banking: DenizBa
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Overall: Increased weight of Retail
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Operating model Reach operational e
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Reaching operational excellence fac
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Efficiency measures 2008-2011: Capt
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Industrialisation 2008-2011: Manage
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Examples of intra-group efficiency
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Close monitoring system in place St
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Dexia Group Dexia 2014: A Retail Gr
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166
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Philippe Rucheton Philippe Rucheton
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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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