Annual report 2006 - Dexia.com

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Dexia’s Annual Report 2006 has been published by the Corporate Communication department of Dexia SA. This report is also available in Dutch and French. It just needs to be requested at the Dexia head office in Brussels or in Paris or via the company website at www.dexia.com. Dexia SA Place Rogier 11 B-1210 Brussels Account no. 068-2113620-17 RPM Brussels VAT BE 0458.548.296 In Paris 1, passerelle des Reflets Tour Dexia – La Défense 2 F-92919 La Défense Cedex In Luxembourg 69, route d’Esch L-2953 Luxembourg CONTACTS Press department E-mail: pressdexia@dexia.be Phone Brussels: + 32 2 213 50 81 Phone Paris: + 33 1 58 58 86 75 Investor Relations Phone Brussels: + 32 2 213 57 46 Phone Paris: + 33 1 58 58 85 56 Website www.dexia.com FINANCIAL CALENDAR Ordinary Shareholders’ Meeting for the 2006 financial year May 9, 2007 Payment of dividend for the 2006 financial year May 24, 2007 Half-yearly information August 30, 2007 Ordinary Shareholders’ Meeting for the 2007 financial year May 14, 2008
Photographs: GETTY IMAGES/Anne Rippy – GETTY IMAGES/Odilon Dimier – Stéphane de Bourgies - Concept: Lay-out: Nord Compo - 7, rue de Fives – BP 123 - F-59653 Villeneuve-d’Ascq - Phone: +33 3 20 41 40 01 - Printed by Emico Offset – Wommelgem – Belgium Printed on Artic the Volume. This paper is FSC certified. FSC stands for Forest Stewardship Council and the certification means that Dexia supports a sustainable and responsible system for forestry when choosing this paper.
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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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CONSOLIDATED BALANCE SHEET 112 CONS
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CONSOLIDATED BALANCE SHEET ASSETS (
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CONSOLIDATED STATEMENT OF INCOME (i
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MINORITY INTERESTS Core Gains and l
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CONSOLIDATED CASH FLOW STATEMENT (i
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RAPPORT DE GESTION CONSOLIDATED FIN
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4.1.3. Currency risk 4.2. CREDIT RI
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Name Head Office % of Consolidation
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GEOGRAPHIC Eurozone (1) Rest of USA
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PORTFOLIO Number Loan Collateral Ex
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7. NOTES ON THE ASSETS OF THE CONSO
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B. Analysis of quality See note 7.1
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C. Treasury bills and other eligibl
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7.8. SECURITIES HELD TO MATURITY De
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7.10. TANGIBLE FIXED ASSETS A. Net
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7.11. INTANGIBLE ASSETS AND GOODWIL
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A. Other assets Analysis by nature
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Present value of finance lease liab
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8. NOTES ON THE LIABILITIES OF THE
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B. Analysis by maturity and interes
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Convertible non-subordinated debt D
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D. Provisions for pensions and othe
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H. Range of assumptions to determin
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9. OTHER NOTES ON THE CONSOLIDATED
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Deferred tax coming from assets of
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2. Change in profit sharing reserve
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B. Nonlife contracts B.1. Income an
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9.4. RELATED PARTIES TRANSACTIONS A
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The assets and liabilities disposed
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9.8. SHARE-BASED PAYMENTS STOCK OPT
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9.9. MINORITY INTERESTS - CORE EQUI
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Dec. 31, 2005 Dec. 31, 2006 Banking
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10. NOTES ON THE CONSOLIDATED OFF-B
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11.3. NET INCOME FROM ASSOCIATES De
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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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Page 212 and 213: 12.6. LIQUIDITY RISK: BREAKDOWN BY
Page 214 and 215: 12.7. CURRENCY RISK As of Dec. 31,
Page 216 and 217: BALANCE SHEET 216 OFF-BALANCE SHEET
Page 218 and 219: BALANCE SHEET (before income approp
Page 220 and 221: STATEMENT OF INCOME (in thousands o
Page 222 and 223: 3.2.5. Amounts receivable after mor
Page 224 and 225: 4.2.6. Amounts receivable within on
Page 226 and 227: RAPPORT DE GESTION COMPTES CONSOLID
Page 230 and 231: 4.6. STATEMENT OF FORMATION EXPENSE
Page 232 and 233: 4.10. SHARE IN THE CAPITAL AND OTHE
Page 234 and 235: D. Commitments to issue shares Amou
Page 236 and 237: 4.19. OTHER TAXES AND TAXES BORNE B
Page 238 and 239: 6. SOCIAL REPORT 6.1. STATEMENT OF
Page 240 and 241: 6.3. STATEMENT CONCERNING THE IMPLE
Page 242 and 243: • there have been no transactions
Page 244 and 245: DEXIA IN THE WORLD RAPPORT DE GESTI
Page 248 and 249: RAPPORT DE GESTION Kommunalkredit D
Page 252: SDXI 0109-5 03-07
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