Annual report 2006 - Dexia.com

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Present value of finance lease liabilities Dec. 31, 2005 Dec. 31, 2006 Not later than 1 year 0 0 Later than 1 year and not later than 5 years 0 0 Later than 5 years 0 0 TOTAL 0 0 Dec. 31, 2005 Dec. 31, 2006 RAPPORT DE GESTION Contractual future minimum lease payments (A) 0 17 Correction due to discount rate (B) 0 1 PRESENT VALUE OF THE FUTURE MINIMUM LEASE PAYMENTS (A)-(B) 0 16 Amount of contingent rents recognized in statement of income during the period 0 0 Amount of future minimum sublease payments expected to be received under non-cancellable subleases at the balance sheet date 0 0 B. Operating lease (1) Future net minimum lease payments under non-cancellable operating leases Dec. 31, 2005 Dec. 31, 2006 CONSOLIDATED FINANCIAL STATEMENTS COMPTES SOCIAUX Not later than 1 year 99 79 Later than 1 year and not later than 5 years 140 148 Later than 5 years 145 130 TOTAL 384 357 Dec. 31, 2005 Dec. 31, 2006 Amount of future minimum sublease payments expected to be received under non-cancellable subleases at the balance sheet date 5 6 Lease and sublease payments recognized as an expense during the period: - minimum lease payments 80 114 - contingent rents 2 0 - sublease payments 0 5 TOTAL 82 119 (1) The figures as at December 31, 2005 have been restated. 7.16. QUALITY OF FINANCIAL ASSETS Accrued interest Normal loans Impaired loans Total Dec. 31, 2005 Dec. 31, 2006 Dec. 31, 2005 Dec. 31, 2006 Dec. 31, 2005 Dec. 31, 2006 Due from banks 599 1,167 0 0 599 1,167 Loans to customers 1,595 1,975 3 5 1,598 1,980 Securities – held to maturity 91 54 0 0 91 54 Loans and securities – available for sale 1,900 2,276 0 0 1,900 2,276 Fair value adjustment Normal loans Impaired loans Total Dec. 31, 2005 Dec. 31, 2006 Dec. 31, 2005 Dec. 31, 2006 Dec. 31, 2005 Dec. 31, 2006 Due from banks 620 321 0 0 620 321 Loans to customers 2,683 1,322 0 0 2,683 1,322 Loans and securities – available for sale 7,983 4,405 257 274 8,240 4,679 160 | Dexia / Annual Report 2006
Analysis of normal loans and securities Gross amount (acquisition cost and premium discount) (A) Dec. 31, 2005 Dec. 31, 2006 Normal assets in due from banks 73,834 76,727 Normal loans to customers 188,074 223,140 Normal securities held to maturity 3,126 2,206 Normal loans and securities available for sale 155,677 181,186 Normal assets from insurance activities 1,360 1,277 Normal other accounts and receivables 1,941 1,490 Normal other assets 672 548 Collective impairment on not impaired loans (-) (408) (357) TOTAL 424,276 486,217 Analysis of impaired Gross amount (acquisition Specific loan loss allowance Net amount loans and securities cost and premium discount) (B) individual basis (C) (B)+(C) Dec. 31, 2005 Dec. 31, 2006 Dec. 31, 2005 Dec. 31, 2006 Dec. 31, 2005 Dec. 31, 2006 Impaired assets in due from banks 0 0 0 0 0 0 Impaired loans to customers 1,473 1,359 (1,018) (942) 455 417 Impaired securities - held to maturity 0 0 0 0 0 0 Impaired loans and securities – available for sale 716 469 (329) (232) 387 237 Impaired assets from insurance activities 1 1 (1) (1) 0 0 Impaired other accounts and receivable 5 2 (1) (2) 4 0 Impaired other assets 12 0 0 0 12 0 TOTAL 2,207 1,831 (1,349) (1,177) 858 654 RAPPORT DE GESTION CONSOLIDATED FINANCIAL STATEMENTS Normal + impaired Gross amount (A)+(B) Specific loan loss Net amount (A)+(B)+(C) allowance (C) Dec. 31, 2005 Dec. 31, 2006 Dec. 31, 2005 Dec. 31, 2006 Dec. 31, 2005 Dec. 31, 2006 Due from banks 73,834 76,727 0 0 73,834 76,727 Loans to customers 189,547 224,499 (1,018) (942) 188,529 223,557 Securities held to maturity 3,126 2,206 0 0 3,126 2,206 Loans and securities available for sale 156,393 181,655 (329) (232) 156,064 181,423 Assets from insurance activities 1,361 1,278 (1) (1) 1,360 1,277 Other accounts and receivable 1,945 1,492 (1) (2) 1,944 1,490 Other assets 684 548 0 0 684 548 Collective impairment on not impaired loans (-) (408) (357) 0 0 (408) (357) COMPTES SOCIAUX TOTAL 426,482 488,048 (1,349) (1,177) 425,133 486,871 Dexia / Annual Report 2006 | 161
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no achievement without commitment
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FINANCIAL HIGHLIGHTS 4 MESSAGE FROM
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FINANCIAL HIGHLIGHTS FINANCIAL HIGH
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MESSAGE FROM THE CHAIRMEN MESSAGE F
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MESSAGE FROM THE CHAIRMEN MESSAGE F
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GROUP PRESENTATION GROUP PRESENTATI
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GROUP PRESENTATION HISTORY OF THE G
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GROUP PRESENTATION MANAGEMENT REPOR
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GROUP PRESENTATION MANAGEMENT REPOR
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GROUP PRESENTATION GROUP ORGANIZATI
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GROUP PRESENTATION Group Executive
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GROUP PRESENTATION MAIN ACTIVITIES
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GROUP PRESENTATION December Opening
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CORPORATE GOVERNANCE Dexia’s comp
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CORPORATE GOVERNANCE MANAGEMENT REP
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CORPORATE GOVERNANCE NAME SPECIALIZ
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CORPORATE GOVERNANCE NAME SPECIALIZ
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CORPORATE GOVERNANCE DIRECTORS’ A
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CORPORATE GOVERNANCE THE MANAGEMEN
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CORPORATE GOVERNANCE The maximum am
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THE DEXIA SHARE MANAGEMENT REPORT C
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THE DEXIA SHARE MAIN SHAREHOLDERS O
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HUMAN RESOURCES HUMAN RESOURCES Dex
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HUMAN RESOURCES MANAGEMENT REPORT C
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HUMAN RESOURCES INITIATING AND CAS
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SUSTAINABLE DEVELOPMENT SUSTAINABLE
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RISK MANAGEMENT MANAGEMENT REPORT C
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FINANCIAL RESULTS MANAGEMENT REPORT
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FINANCIAL RESULTS to business devel
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FINANCIAL RESULTS ANALYSIS OF THE
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PUBLIC/PROJECT FINANCE MANAGEMENT R
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PUBLIC/PROJECT FINANCE WORLD LEADE
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PERSONAL FINANCIAL SERVICES MANAGEM
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ASSET MANAGEMENT MANAGEMENT REPORT
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INSURANCE SERVICES INSURANCE SERVIC
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INSURANCE SERVICES MANAGEMENT REPOR
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INVESTOR SERVICES MANAGEMENT REPORT
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TREASURY AND FINANCIAL MARKETS MANA
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GENERAL INFORMATION MANAGEMENT REPO
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Page 112 and 113: CONSOLIDATED BALANCE SHEET 112 CONS
Page 114 and 115: CONSOLIDATED BALANCE SHEET ASSETS (
Page 116 and 117: CONSOLIDATED STATEMENT OF INCOME (i
Page 118 and 119: MINORITY INTERESTS Core Gains and l
Page 120 and 121: CONSOLIDATED CASH FLOW STATEMENT (i
Page 122 and 123: RAPPORT DE GESTION CONSOLIDATED FIN
Page 136 and 137: 4.1.3. Currency risk 4.2. CREDIT RI
Page 140 and 141: Name Head Office % of Consolidation
Page 142 and 143: GEOGRAPHIC Eurozone (1) Rest of USA
Page 144 and 145: PORTFOLIO Number Loan Collateral Ex
Page 148 and 149: 7. NOTES ON THE ASSETS OF THE CONSO
Page 150 and 151: B. Analysis of quality See note 7.1
Page 152 and 153: C. Treasury bills and other eligibl
Page 154 and 155: 7.8. SECURITIES HELD TO MATURITY De
Page 156 and 157: 7.10. TANGIBLE FIXED ASSETS A. Net
Page 158 and 159: 7.11. INTANGIBLE ASSETS AND GOODWIL
Page 160 and 161: A. Other assets Analysis by nature
Page 164 and 165: 8. NOTES ON THE LIABILITIES OF THE
Page 166 and 167: B. Analysis by maturity and interes
Page 168 and 169: Convertible non-subordinated debt D
Page 170 and 171: D. Provisions for pensions and othe
Page 172 and 173: H. Range of assumptions to determin
Page 174 and 175: 9. OTHER NOTES ON THE CONSOLIDATED
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Page 178 and 179: 2. Change in profit sharing reserve
Page 180 and 181: B. Nonlife contracts B.1. Income an
Page 182 and 183: 9.4. RELATED PARTIES TRANSACTIONS A
Page 186 and 187: The assets and liabilities disposed
Page 188 and 189: 9.8. SHARE-BASED PAYMENTS STOCK OPT
Page 190 and 191: 9.9. MINORITY INTERESTS - CORE EQUI
Page 192 and 193: Dec. 31, 2005 Dec. 31, 2006 Banking
Page 194 and 195: 10. NOTES ON THE CONSOLIDATED OFF-B
Page 196 and 197: 11.3. NET INCOME FROM ASSOCIATES De
Page 198 and 199: 11.6. COMMISSION INCOME AND EXPENSE
Page 200 and 201: (AVERAGE FTE) France Belgium Luxemb
Page 202 and 203: 11.14. IMPAIRMENT ON GOODWILL Nil.
Page 204 and 205: 12. NOTES ON RISK EXPOSURE (IN MILL
Page 206 and 207: 12.2. CREDIT RISKS EXPOSURE A. Anal
Page 208 and 209: 12.3. INTEREST RATE REPRICING RISK:
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12.6. LIQUIDITY RISK: BREAKDOWN BY
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12.7. CURRENCY RISK As of Dec. 31,
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BALANCE SHEET 216 OFF-BALANCE SHEET
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BALANCE SHEET (before income approp
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STATEMENT OF INCOME (in thousands o
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3.2.5. Amounts receivable after mor
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4.2.6. Amounts receivable within on
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RAPPORT DE GESTION COMPTES CONSOLID
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4.6. STATEMENT OF FORMATION EXPENSE
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4.10. SHARE IN THE CAPITAL AND OTHE
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D. Commitments to issue shares Amou
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4.19. OTHER TAXES AND TAXES BORNE B
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6. SOCIAL REPORT 6.1. STATEMENT OF
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6.3. STATEMENT CONCERNING THE IMPLE
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• there have been no transactions
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DEXIA IN THE WORLD RAPPORT DE GESTI
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RAPPORT DE GESTION Kommunalkredit D
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Dexia’s Annual Report 2006 has be
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SDXI 0109-5 03-07
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Annual report 2006 - Dexia.com

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