SECTION 1 -

Note 28. Off‐Balance Sheet Commitments
Note 28.1 Off‐balance sheet commitments given
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New Services: Historical Combined Financial Statements and Notes
December, 31, 2009
Off‐balance sheet commitments given amounted to €90 million at December 31, 2009, €83 million at December 31, 2008 and €69
million at December 31, 2007.
The December 31, 2009 amount breaks down as follows:
- Voucher sale guarantees given to public sector entities in Italy for a total of €88 million, including €44 million expiring
in less than one year, €21 million expiring in 1 to 5 years and €23 million expiring beyond 5 years (€81 million at
December 31, 2008).
- Bank bonds issued in France for €1 million, expiring within one year (€1 million at December 31, 2008).
- Bid bonds issued in Spain for €1 million, expiring within one year (€1 million at December 31, 2008).
To the best of the Group's knowledge and in accordance with generally accepted accounting principles, no commitments given
have been omitted from the above list.
Note 28.2 Off‐balance sheet commitments received
Off‐balance sheet commitments received at December 31, 2009 were not material.