Shareholders/Investors / Financial data 2000-2005
2000 - 2005 GAAP
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2000
2001
2002
2003
2004
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Share price (in EUR)
           
 
Brussels
           
 
• high
19.40 19.50 18.98 13.81 17.19  
 
• low
12.76 13.02 8.21 7.10 12.81  
 
Paris
     
 
• high
19.59 19.55 18.95 13.80 17.19  
 
• low
12.84 13.12 8.22 7.11 12.85  
 
Market capitalization end of the year (in millions of EUR) (1)
18,832 18,879 13,885 16,036 19,384  
 
Gross dividend (in EUR) (2)
0.43 0.48 0.48 0.53 0.62  
 
Net Dividend for shares with a VVPR Strip (3)
0.37 0.41 0.41 0.45 0.53  
 
Net dividend (in EUR) (4)
0.32 0.36 0.36 0.40 0.47  

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Statement of Income figures
(in millions of EUR)
2000
2001
2002
2003
2004
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Revenues
3,740 5,644 5,157 5,160 5,392  
 
• net interest income and related income
2,627 3,604 3,422 3,429 3,524  
 
• net commissions and other income
886 1,331 1,015 992 1,077  
 
• insurance
227 709 720 739 791  
 
Costs
2,050 3,336 3,037 3,056 3,012  
 
Gross operating income
1,690 2,308 2,120 2,104 2,380  
 
Cost of risk
126 295 722 176 229  
 
Operating income
1,564 2,013 1,398 1,928 2,151  
 
Net income
1,001 1,426 1,299 1,431 1,772  

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Balance Sheet Figures
(in millions of EUR)
2000
2001
2002
2003
2004
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Total assets
257,847 351,380 350,924 349,888 389,155  
 
Shareholder's equity
6,537 8,337 9,090 9,790 10,464  
 
Customer deposits
52,356 84,007 85,322 92,343 97,609  
 
Debt securities
134,446 140,861 146,505 134,905 143,914  
 
Customer Loans
134,370 156,404 157,773 161,941 166,199  
 
Bonds, equities & other securities
70,684 116,780 121,915 120,508 133,207  
 
Long term investments
979 1,434 1,883 1,443 1,524  
 
Net assets with GBBR Group share per share (in EUR)
8.05 8.39 8.79 9.25 9.95  

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Capital Adequacy
2000
2001
2002
2003
2004
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Tier 1 Ratio
9.3% 9.3% 9.3% 9.9% 10.7%  
 
Capital Adequacy Ratio
9.8% 11.5% 10.7% 11.2% 11.7%  
 
Risk-weighted assets
(in millions of EUR)
74,007 103,633 109,365 106,540 103,355  

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Key ratios
2000
2001
2002
2003
2004
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Earnings per share (in EUR)
1,15 1,25 1,13 1,24 1,58  
 
Payout ratio (5)
41.9% 39.3% 43.00% 42.1% 38.7%  
 
Profit margin
28.4% 27.1% 26.9% 29.3% 34.2%  
 
Cost/income ratio
54.8% 59.1% 58.9% 59.2% 55.9%  
 
Cost of risk for the banking activities ( in bp)
6.6 12.2 9.8 5.7 1.8  
 
Annualized Return on equity
17.7% 18.7% 16.1% 16.5% 19,8%  

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Staff
2000
2001
2002
2003
2004
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Number of FTE
(Full Time Equivalent)
17,499 26,141 24,893 23,865 24,000  
(1) average Brussels Paris
(2) dividend 2004 proposed
(3) After deduction of a 25% Belgian withholding tax
(4) After deduction of a 25% Belgian withholding tax (as the deduction is reduced to 15% for securities with a VVPR strip)
(5) based for 2004 on the proposed dividend