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 2006 - 2008

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Consolidated financial statements (in millions of EUR)
2006
2007
2008
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Income
7,005.
6,896.
3,556.
  
 
Costs
-3,474.
-3,834.
-4,119.
  
 
Gross operating income
3,531.
3,062.
-563.
  
 
Cost of risk
-124.
-163.
-3,292.
  
 
Net income Group share
2,750.
2,533.
-3,326.
  

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Consolidated balance sheet (in millions of EUR)
2006
2007
2008
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Assets
e
566,743.
e
604,564.
e
651,006.
  
 
Loans and advance to customers
e
226,502.
e
242,619.
e
368,845.
 
 
Financial assets at fair value through profit or loss and financial investments
e
223,207.
e
257,855.
e
141,073.
  
 
Liabilities
e
548,308.
e
588,170.
e
645,388.
  
 
Debt securities
e
184,746.
e
204,013.
e
188,120.
  
 
Customer borrowings and deposits
e
116,165.
e
126,680.
e
114,728.
  
 
Total equity
18,435.
16,394.
5,618.
  
 
Core shareholders' equity (1)
14,433.
16,112.
17,488.
  
 
Total shareholders' equity (2)
16,299.
14,525.
3,916.
  

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Ratios
2006
2007
2008
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Cost-income ratio (3)
e
49.6%.
e
55.6%.
e
115.8%.
  
 
Cost of risk banking activities (4)
2.4 pb.
4.3 pb.
15 pb.
  

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Capital adequacy (in millions of EUR except where indicated)
2006
2007
2008
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Tier 1 capital
13,028.
14,549.
16,126.
  
 
Total regulatory capital
13,754.
15,345.
18,077.
  
 
Weighted risks
133,369.
159,383.
152,837.
  
 
Tier 1 ratio (5)
9.8%.
9.1%.
10.6%.
  
 
Capital adequacy ratio (5)
10.3%.
9.6%.
11.8%.
  

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Data per share
2006
2007
2008
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Earnings per share (in EUR)
e   e   e    
 
basic (6)
e
2.49.
e
2.18.
e
-2.54.
  
 
diluted (7)
e
2.45.
e
2.15.
e
-2.54.
  
 
Net assets per share (in EUR) (8)
e
e
e
 
 
related to core shareholders' equity (1)
e
11.60.
e
12.87.
e
9.92.
  
 
related to total shareholders' equity (2)
e
13.21.
e
11.51.
e
2.22.
  

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Stock exchange data
2007
2008
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Stock market capitalization
20,295 5,640  
 
 
Brussels Paris  
 
Share price as of December 31, 2007 (in EUR)
17.23 17.21  
 
Share price as of December 31, 2008 (in EUR)
3.200 3.200  
 
Highest price/lowest price (in EUR)
18.86/2.261 18.86/2.275  
 
Average daily trading volume in 2008 (in millions of EUR)
67.00 54.60  
 
Average daily trading volume in 2008 (in thousands of shares)
5,712 4,762  

(1) Without AFS, CFH reserve and cumulative translation adjustments.
(2) With AFS, CFH reserve and cumulative translation adjusmtents.
(3) The ratio between the expenses and the income.
(4) The ratio between the cost of risk for the banking activities (i.e. excl. Credit enhancement and impact crisis) and the gross outstanding customer loans and off-balance-sheet financing commitments.
(5) For the calculation of the solvency ratios in 2006 and 2007, the treatment of qualified participations in banking and insurance institutions is the deduction of total regulatory capital.
(6) The ratio between the net income Group share and the average weighted number of shares.
(7) The ratio between the net income Group share and the average weighted diluted number of shares.
(8) The ratio between the shareholders' equity and the number of shares (after deduction of own shares) at the end of the period.


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