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Annual Review
This is Fortis
Highlights 2007
Financial highlights
Key Events in 2007
Fortis + ABN AMRO
Our four core businesses
Retail Banking
Asset Management & Private Banking
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Major player in Europe
Sustainable stakeholder value creation
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Value delivered over
2004–07 period
Non-financial priorities
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Consolidated balance sheet
Income statement
Banking
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Retail Banking Belgium
Retail Banking Netherlands
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Accolades
Asset Management &
Private Banking
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Operational highlights
Asset Management
Private Banking
Financial performance
Merchant Banking
Business strategy
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Accolades
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Bank solvency under
Basel II regime
Main inherent risks
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RARORAC
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Strategy: Agenda 2009
Achievements in 2007
Governance
Regulatory developments
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Agreement with
Ping An
Fortis's structure and shares
Board of Directors
Composition
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Nomination and Remuneration Committee
Risk and Capital Committee
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Financial Statements
Consolidated Financial Statements
Balance sheet
Income statement
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Cash flow statement
Statement of the Board of Directors
Independent Auditor's report
General Notes
Legal structure
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Notes 2.1 to 2.10
General
Accounting estimates
Changes in accounting policies
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Trade and settlement date
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Notes 2.11 to 2.20
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Due from banks and due from customers
Sale and repurchase agreements
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Investments
Leasing
Investments related to unit-linked contracts
Reinsurance and other receivables
Property, plant and equipment
Notes 2.21 to 2.30
Goodwill
Deferred acquisition costs
Non-current assets
Derivative financial instruments
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Liabilities arising from insurance and investment contracts
Liabilities related to unit linked contracts
Debt certificates
Employee benefits
Provisions and contingencies
Notes 2.31 to 2.39
Equity
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Gross premium income, claims and benefits
Realised and unrealised gains and losses
Fee and commission income
Transaction costs
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Income tax expense
Earnings per share
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Fortis Insurance Company Asia (FICA)
Dominet
Other acquisitions
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Other reserves
Currency translation reserve
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Earnings per share
Risk management
Introduction
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Fortis consolidated
Banking
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Post-employment benefits
Other long-term employee benefits
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Employee-share options
Shares offered to staff
Restricted shares
Remuneration
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Remuneration policy
Compensation data 2007
Audit fees
Related parties
Information on segments
General information
Banking
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General
Balance sheet by activity
Income statement by activity
Balance sheet of banking segments
Income statement of banking segments
Balance sheet of insurance segments
Income statement of insurance segments
Balance sheet of insurance: Life and Non-life
Income statement of insurance: Life and Non-life
Geographic segmentation
Notes to the balance sheet
Notes 15 to 24
Cash and cash equivalents
Assets and liabilities held for trading
Due from banks
Due from customers
Investments
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Investments available for sale
Government bonds
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Impairments
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Real estate
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Acquisition of ABN AMRO
Business units acquired
Integration process and next steps
Accounting aspects
Reinsurance and other receivables
Property, plant and equipment
Goodwill and other intangible assets
Accrued interest and other assets
Notes 25 to 36
Due to banks
Due to customers
Liabilities arising from insurance and investment contracts
Liabilities related to unit-linked contracts
Debt certificates
Subordinated liabilities
CASHES
MCS
FRESH
Other hybrid and Tier 1 liabilities
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Other borrowings
Provisions
Current and deferred tax liabilities
Accrued interest and other liabilities
Derivatives
Derivatives held for trading
Derivatives held for hedging purposes
Fair values of financial assets and financial liabilities
Notes to the income statement
Notes 37 to 43
Interest income
Insurance premiums
Dividend and other investment income
Realised capital gains and losses on investments
Other realised and unrealised gains and losses
Fee and commission income
Other income
Notes 44 to 51
Interest expenses
Insurance claims and benefits
Change in impairments
Fee and commission expenses
Depreciation and amortisation
Staff expenses
Other expenses
Income tax expenses
Note to the Insurance income statement
Technical and non-technical result
Reconciliation
Technical result
Non-technical result
Technical result Life and Non-life
Non-life financial information by branch
Non-life ratios
Notes to off-balance sheet items
Commitments and guarantees
Contingent liabilities
Lease agreements
Assets under management
Post-balance sheet date events
Report of the Board of Directors of Fortis SA/NV and Fortis N.V.
Board of Directors, Statutory Auditor and Auditor
Report of the Board of Directors of Fortis SA/NV and Fortis N.V.
Fortis SA/NV Financial Statements
General information
Balance sheet
Income statement
Notes
Statement of incorporation expenses
Status of financial fixed assets
Participating interests
Specification of equity
Status of liabilities
Results of operations
Financial results
Income taxes and other taxes
Others
Summary of valuation principles information
Statutory auditor's report to the general shareholders' meeting
Statutory auditor's Report on the statement of assets and liabilities
Enclosure
Fortis N.V. Financial Statements
Balance sheet
Income Statement
Explanatory notes
Other information
Other information
Stichting Continuïteit Fortis
Forward-looking statements
Availability of company documents for public inspection
Bearer shares
Statistical Review
Introduction
Part I Annual figures
Fortis Share
Consolidated
Consolidated balance sheet
Exchange rates at year end
Assets under management
Consolidated income statement
Average exchange rates
Shareholders' equity roll forward
Shareholders' equity by activity at year end
Market capitalization
Solvency at year end
Return on equity
Net profit attributable to shareholders
Investments
Due from customers
Composition of total income
Employees
Banking
Profit before taxation
Specification of net fee and commission income
Specification of realised and unrealised gains and losses
Cost/income ratio
Insurance<
