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 2004 - 2005 IFRS

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Consolidated Statement of Income (millions of Eur)
2004 (1)
2005 (2)
2006 (2)
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Income
5,623 5,976 7,012  
 
Costs
-3,057 -3,229 -3,481  
 
Gross Operating Income
2,566 2,747 3,531  
 
Cost of Risk
-226 -52 -124  
 
Net income Group share
1,822 2,038 2,750  

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Consolidated Balance Sheet (millions of Eur)
Jan. 1, 2005 (2)
Dec. 31, 2005 (2)
31 dec. 2006 (2)
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Total Assets
   404,637  508,761   566,743   
 
Total Equity
12,751  15,700    18,435     
 
Customers borrowing and deposits
87,066  97,379  109,484   
 
Debt Securities
144,164   175,685    184,726     
 
Loans and advances to customers
169,547  192,402 226,502  
 
Loans and securities available for sale
126,776   166,204   188,378    
 
Net Assets per share related to core shareholders' equity (Eur)(3)
8.87   9.86   11.60     
 
Net Assets per share related to total shareholders' equity (Eur)(4)
10.32  12.25  13.21  

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Capital Adequacy (millions of Eur)
Jan. 1, 2005 (2)
Dec. 31, 2005 (2)
31 dec. 2006 (2)
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Tier 1 Capital
10,336 11,894 13,028  
 
Total Regulatory Capital
11,460 12,510 13,754  
 
Risk-weighted assets
103,355 115,002  133,369   
 
Ratio Tier 1
10.0% 10.3% 9.8%  
 
Ratio Capital Adequacy
11.1% 10.9% 10.3%  
(1) without IAS 32&39 and IFRS 4 as endorsed by the European commission
(2) with IAS 32&39 and IFRS 4 as endorsed by the European commission
(3) without AFS, CFH reserve and cumulative translation adjustments
(4) avec réserves AFS, CFH et écarts de conversion

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Key Ratios
2004 (1)
2005 (2)
2006(2)
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Earnings per share (Eur)
       
 
- basic (3)
1.63 1.87 2.49  
 
- diluted (4)
1.62 1.85 2.45  
 
Profit Margin (5)
33.6% 35.0% 40.5%  
 
Cost-Income ratio (6)
54.4% 54.0% 49.6%  
 
Cost of risk banking activities (annualized) (7)
0.02% 0.02% 0.02%  
 
Return on equity (annualized) (8)
17.2% 20.0% 23.1%  
(1) without IAS 32&39 and IFRS 4 as endorsed by the European commission
(2) with IAS 32&39 and IFRS 4 as endorsed by the European commission
(3) the ratio between net income - Group share & weighted average number of shares
(4) the ratio between net income - Group share & weighted average diluted number of shares
(5) the ratio between net income and income
(6) the ratio between costs and income
(7) the ratio between the annualized cost of risk (i.e. excluding credit enhancement) & the gross outstanding loans
and advances to customers and off-balance sheet financing commitments
(8) the ratio between the annualized net income Group share, and the weighted average core shareholders' equity
(estimated dividend for the period deducted)

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Stock Exchange Data
Dec. 31, 2005
Dec. 31, 2006
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Stock Market Capitalization (in millions of Eur)
21.6
24.1
 
 
 
Brussels
Paris
 
 
Share price as of Dec, 31 2004 (in Eur)
19.48
19.49
 
 
Share price as of Dec, 31 2005 (in Eur)
20.75
20.75
 
 
Highest/Lowest price in 2005 (in Eur)
22.04/17.66
22.04/17.64
 
 
Average daily trading volume in 2005 (millions of Eur)
33.05
37.57
 
 
Average daily trading volume in 2005 (in thousands of shares)
1,456
1,866
 


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