Presentation (correction slide 18) - Dexia.com

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Dexia 2014: A Retail Group with 10 million clients 1 Financial restructuring Scaled down non-commercial revenue and development of commercial franchises 2 Rebalancing the Group towards Retail Significant investments in Retail franchises 3 Capturing Retail upside in a fast growing market Disciplined and sustainable growth in Turkey 4 Achieving operational excellence Efficiency measures, intra-group synergies and industrialisation 4
Dexia 2014: A Retail Group with 10 million clients Income evolution (% of total) Non commercial revenue Divestitures Crediop/Sabadell 20% 17% 8% 28% PWB ~18% AMS ~21% RCB Turkey ~27% RCB BE & Lux ~33% Increased weight of Retail & Commercial activities, accounting for around 60% of 2014 revenues: • ~4 m clients in Belgium & Luxembourg • ~6 m clients in Turkey Profitable and efficient AMS businesses, at par with competitors PWB refocused on Belgium and France, with a production adapted to market funding capacities Legacy division significantly downsized and funded long-term 2007 2014E 5 Note: 2007 figures pro-forma estimated; PWB excl. Crediop/Sabadell
Page 2 and 3: Disclaimer This presentation and th
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 26 and 27: Target 2014: Strong rebound of Dexi
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
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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
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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
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André Vanden Camp André Vanden Ca
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Presentation (correction slide 18) - Dexia.com

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