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<strong>Dexia</strong>Personal Financial ServicesCUSTOMER ASSETS & LIABILITIES(in billions of EUR)Dec. 31, Dec. 31, Variation2004 <strong>2005</strong>Balance-sheet products 53.3 52.3 -1.9%Off-balance-sheet products 52.8 61.3 +16.0%Insurance 8.0 9.6 +20.2%Customer assets 114.1 123.2 +7.9%Customer liabilities 25.7 28.6 +11.4%Total customer assets & liabilities 139.8 151.8 +8.6%CUSTOMER ASSETS(in billions of EUR)Dec. 31, Dec. 31, Variation2004 <strong>2005</strong>Total customer assets 114.1 123.2 +7.9%of which private banking 37.8 41.7 +10.3%of which retail banking 76.4 81.5 +6.8%Deposits 30.0 31.2 +4.0%Sight accounts 5.0 5.7 +13.9%Savings accounts 25.0 25.5 +2.1%Savings bonds & term deposits 11.7 9.6 -17.7%Bonds issued by the Group 6.0 6.5 +8.7%Mutual funds 17.2 20.7 +20.3%Life insurance technical reserves 6.1 7.2 +19.3%Direct securities 5.4 6.3 +15.6%In Belgium, the rationalization of the banknetwork subsequent to the acquisition ofBACOB/Artesia in 2001 was <strong>com</strong>pleted.The objective of reducing the networkfixed at the time for <strong>2005</strong> was exceeded andthe network now has 1,069 branches, 833branches managed by self-employed branchmanagers and 236 run by wage-earningemployees of the bank. The integration ofArtesia BC aimed at serious cost synergies,which have been achieved and even surpassed.<strong>Dexia</strong> is actively developing new modesof client relations, including Net Banking.In <strong>2005</strong>, Internet banking transactionsrecorded spectacular growth. In Belgium,the bank launched promotions which cameto fruition with the opening of 100,000 newcontracts. Today, <strong>Dexia</strong> Direct Net (formerlyNet Banking) has more than 500,000 clientssubscribed to the service. In Luxembourg,the number of transactions recorded on theInternet transaction platform <strong>Dexia</strong>plusis also increasing sharply among bothindividuals and professionals.Axion, the account intended for young peoplebetween 10 and 24 years of age, offering theminnovative products suited to their specificneeds, continues to achieve great successamong that client segment. In <strong>2005</strong>, morethan 14,000 opened accounts.CUSTOMER LIABILITIES(in billions of EUR)Dec. 31, Dec. 31, Variation2004 <strong>2005</strong>Total customer liabilities 25.7 28.6 +11.4%of which private banking 2.5 2.9 +16.0%of which retail banking 23.2 25.7 +10.9%Loans to customers 17.3 19.3 +12.1%Mortgage loans 14.9 17.1 +14.6%Consumer loans 2.4 2.3 -4.0%Loans to SMEs and the self-employed 5.9 6.4 +7.7%78
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