paris september 26 th 2006 personal financial services stefaan decraene chairman of the management board dexia bank belgium philippe jouard head private banking alain delouis member executive committee tfm marc huybrechts ops & it creating strategic value moving forward into next 10 years within group 3 agenda geographical scope pfs european an attractive market focus on belgian retail environment a successful track record in responding to challenges objectives new banka slovensko bil proximity turkey operational 4 important growing contribution strong distribution capacity for products including funding resilient earnings roee 2005 23 5 low risk 326 393 518 583 623 202 286 359 370 420 goi net i ncome income 1 eur m cagr 02 04 33 05 gaap eu 2 underlying non pro
