VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN

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1 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN Openbare instelling opgericht door de wet van 17 december 1998 (B.S ) de Berlaimontlaan Brussel Tel. : Fax : protectionfund@nbb.be ACTIVITEITENVERSLAG & JAARREKENING 2009 Goedgekeurd door het Bestuurscomité op 26 april 2010

2 Verantwoordelijke uitgever Jean-Pierre Arnoldi Voorzitter Contactpersoon voor de publicatie Herman Debremaeker Secretaris-generaal de Berlaimontlaan Brussel Tel. : Fax : protectionfund@nbb.be Layout NBB TS Prepress & Image Beschermingsfonds voor deposito s en financiële instrumenten Alle rechten voorbehouden. De gehele of gedeeltelijke vermenigvuldiging van deze publicatie voor educatieve en niet-commerciële doeleinden is toegestaan met bronvermelding..

3 Inhoudstafel Organen van het Beschermingsfonds 4 Voorwoord 5 Activiteitenverslag 7!! "#! $%%&'%(%)*!++'!,%-!.%*/,%)(0'1*23'4*!! 5#! 6'-%)7%'-0%43**0%)*!1%38%'4!433)!,%-!.%*/,%)(0'1*23'4*!! 9#!.%,%%)!7+'!4%!0'-%)7%'-0%43**0%)*!37%)1%'3(%'!7+'!,%-!:;6!! $%!.%&10*/,%!)%1&%(%'-%)0'1!!D#! "J#! >0'+'/0%%&!K%,%%)! ""#! L+(%'*-%&&0'1!7+'!4%!6'-%)7%'-0%)%*%)7%! "5#! A73&B-0%!7+'!4%!K%*/,%)(0'1*)%1%&0'1!'+!5JJH Jaarrekening !!!!.+&+'*!'+!)%*B&-++-7%)M%)G0'1!!!!N%*B&-+-%')%G%'0'1O!)%*B&-++-7%)M%)G0'1!%'!83*-%'!KB0-%'PK+&+'*-%&&0'1!!!!Q3%&0/,-0'1!K0I!4%!I++))%G%'0'1!!!!R%)*&+1!7+'!,%-!=3&&%1%!7+'!)%70*3)%'!1%)0/,-!-3-!4%!S0'0*-%)!7+'!>0'+'/0T' BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG

4 TOESTAND OP ! Organen van het Beschermingsfonds Bestuurscomité VOORZITTER Jean-Pierre Arnoldi LEDEN vertegenwoordigers vertegenwoordigers van de kredietinstellingen van de overheid en van de beleggingsondernemingen Viviane Buydens* Jean Hilgers Marc Monbaliu Jan Smets Anne Verschueren* Luc Aspeslagh* Stefaan Decraene Lieve Mostrey Eric Struye de Swielande Michel Vermaerke Luc Versele plaatsvervangende leden Omer Van Driessche Agnes Van den Berge plaatsvervangende leden Dirk De Cort Hugo Lasat Véronique Leleux Yvan Peeters Regeringscommissaris! Alexandre De Geest Secretaris-generaal! Herman Debremaeker College van Revisoren Pierre Anciaux Danielle Vermaelen * wijzigingen Mevrouw Viviane Buydens, plaatsvervangend lid sedert de oprichting van het Beschermingsfonds in 1999, werd effectief lid benoemd bij KB van Mevrouw Anne Verschueren werd lid benoemd bij KB van 30 december 2009 ter vervanging van de heer Omer Van Driessche aan wiens mandaat een einde was gekomen en die door hetzelfde KB als plaatsvervangend lid werd aangeduid. De heer Luc Aspeslagh werd benoemd bij KB van ter vervanging van de heer Jean-Pierre de Buck van Overstraeten die als effectief lid zetelde sinds de oprichting van het Beschermingsfonds in 1999 en aan wie eervol ontslag werd verleend. 4 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

5 Voorwoord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ËLE INSTRUMENTEN JAARVERSLAG

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ËLE INSTRUMENTEN JAARVERSLAG 2009

7 Activiteitenverslag Deelnemers aan het Beschermingsfonds!*$ #&*#-*%"+.$ #&#$ %*$,*0'6*-)"+.0-*.*1"+.$ "0$ /*-91"'6#$ /&&-$ 4-*%"*#"+0#*11"+.*+$ *+$,*1*.."+.0&+%*-+*)"+.*+$%"*$5";+$&9.*-"'6#$+22-$7*1."0'6$-*'6#:$ &8$,*1*.."+.0&+%*-+*)"+.$%"*$&+%*-$6*#$-*'6#$/2+$**+$12+%$/21#$%2#$.**+$%**1$("#)224#$/2+$%*$ $%!&0I*-!7+'!0'*-%&&0'1%'!++'1%*&3-%'!K0I!4%!.%&10*/,%!K%*/,%)(0'1*)%1%&0'1!G+'!1%)++48&%%14! M3)4%'! 38! 4%! 0'-%)'%-*0-%! MMM#K%*/,%)(0'1*23'4*#K%! 32! G+'! K%G3(%'! M3)4%'! 38!,%-! L%/)%-+)0++-# Aantal deelnemers op op Kredietinstellingen Instellingen naar Belgisch recht Bijkantoren van kredietinstellingen naar niet EER-recht 9 9 Beursvennootschappen Vennootschappen voor vermogensbeheer en beleggingsadvies Beheervennootschappen van instellingen voor collectieve belegging 4 4 Totaal aantal deelnemers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ËLE INSTRUMENTEN JAARVERSLAG

8 /2+$%"#$,";42+#&&-$&+%*-$%*$.2-2+#"*-*.*1"+.$%"*$"+$%"*$1"%0#22#$3*-%$"+.*0#*1%$&9$.-&+%$!.,$%&$6&1%&,%&$BQI#)/7*1)C,&,K!"#&5,.'/0"#0';63#7-(#2%"+'"3'(63"00'()"(#+'"#&(+"%#""(#-(+"%"#0'+63--3#7-(#+"#>>?#%"66&%3"%"(# %'! %%'! 0'!.%&10T! 1%)%10*-)%%)4! K0IG+'-33)!,%KK%'O! M3)4-! 1%8BK&0/%%)4! 433)! 4%! =.>V! WMMM#/K2+#K%X#! 2. Interventiedossiers geopend door het Beschermingsfonds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eheer van de interventiedossiers overgenomen van het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ËLE INSTRUMENTEN JAARVERSLAG 2009

9 -%)B1M0''0'1!73&1-!B0-!4%!*BK)31+-0%)%1%&0'1!40%!7+'!-3%8+**0'1!M+*!38!4%!433)!,%-!:;6! B0-K%-++&4%!-%1%(3%-G3(0'1%'#!$%!1%)%/B8%)%%)4%!*3(!M%)4!%7%'%%'*!K0I!4%!K%*/,0GK+)%! (044%&%'!7+'!4%!6'-%)7%'-0%)%*%)7%!7+'!,%-!.%*/,%)(0'1*23'4*!1%73%14#! $%! (044%&%'! 40%!,%-!.%*/,%)(0'1*23'4*! K%,%%)-! 733)! )%G%'0'1! 7+'! 4%! 37%)1%'3(%'! 0'-%)7%'-0%43**0%)*!3'4%)10'1%'!0'!4%!8%)034%!"HHHP5JJH!73&1%'4%!K%M%10'1%'!^ _! &0`B040-%0-%'!433)!,%-!:;6!37%)1%4)+1%'!0'!"HHH! _! B0-K%-+&0'1!7+'!*/,+4%&33**-%&&0'1%'! _! -%)B1M0''0'1%'!W3#+#!2+0&&0**%(%'-*40704%'4%'X! _! -%)B1M0''0'1*G3*-%'! _! -%)B1K%-+&0'1%'!++'!G)%40%-0'*-%&&0'1%'! _! -3%G%''0'1!7+'!K%&%110'1*0'-%)%*-%'! _! *+&43!38!9"#"5#5JJH!!"#$"%&$&&' _!55#559 a!"j#jhj#d<d _!"JH#5DJ _!D#9JJ#JJJ a!c#?c5#de5!#"$&"($&)( :%-! *+&43! 7+'! 4%F%! (044%&%'! 0*! 3'4%)1%K)+/,-! 0'! 4%! 6'-%)7%'-0%)%*%)7%! 7+'!,%-!.%*/,%)(0'1*23'4*!733)!!5"#559#JD<!%'!0'!%%'!733)F0%'0'1!733)!!"H9#<J5# 4. Beheer van de interventiedossiers overgenomen van het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b*! 7+'! 4%! 433)!,%-!.%*/,%)(0'1*23'4*!37%)1%'3(%'!0'-%)7%'-0%43**0%)*# 1 DE TOEKENNING VAN SCHADELOOSSTELLINGEN AAN CLIË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ËLE INSTRUMENTEN JAARVERSLAG

10 2 DE TERUGWINNING VAN SCHULDVORDERINGEN :%-!.%*/,%)(0'1*23'4*! 0*O! +&*! )%/,-*3873&1%)! 7+'!,%-! =6>O! 0'! 4%! 8&++-*! 1%-)%4%'! 0'! 4%! )%/,-%'!7+'!4%!*/,B&4%0*%)*!40%!4%F%!0'*-%&&0'1!,%%2-!7%)13%4#!:%-!.%*/,%)(0'1*23'4*!,%%2-!,0%)433)!)%/,-!38!%%'!4%%&!7+'!4%!40704%'4%'!40%!7%)4%%&4!GB''%'!M3)4%'!'++)!++'&%040'1! 7+'!4%!+2*&B0-0'1!7+'!4%!7%)%22%'0'1!32!7+'!,%-!2+0&&0**%(%'-#!:%-!.%*/,%)(0'1*23'4*!73&1-! K0I1%73&1! ++'4+/,-01! 4%! +2M0GG%&0'1! 7+'! 4%F%! +2*&B0-0'1*7%))0/,-0'1%'O! 40%! B0-1%73%)4! M3)4%'!3'4%)!4%!7%)+'-M33)4%&0IG,%04!7+'!4%!/B)+-3)%'!%'!7%)%22%'++)*# 6'! 5JJH! G3'!,%-!.%*/,%)(0'1*23'4*! +&4B*! *B88&%(%'-+0)%! 2+0&&0**%(%'-*40704%'4%'! 3'-7+'1%'!733)!!DJ#C"H#!$++)!%)!0'!%%'!K%8++&4!0'-%)7%'-0%43**0%)!%%'!K%-M0*-0'1!K%*-++-! (%-! 4%! 7%)13%4%! /&0T'-%'! 37%)! 4%! -3%8+**0'1! 7+'! 4%! *BK)31+-0%)%1%&0'1! M%)4! %%'! 4%%&! K+&+'*4+-B(!!?C5#"J?!K%4)++1-# 3 HET BEHEER VAN DE FINANCIËLE MIDDELEN INGEBRACHT DOOR DE 31%'K&0G! 7+'! 4%! 3'-K0'40'1! 7+'!,%-! =6>! %0'4! "HHE! M%)4%'! +&! F0I'! (044%&%'! -%)! K%*/,0GG0'1! 1%*-%&4! 7+'!,%-! -%F%&24%)-0I4! 381%)0/,-%!.%*/,%)(0'1*23'4*#! $%F%! (044%&%'! M%)4%'!3'4%)1%K)+/,-!0'!407%)*%!733)F0%'0'1%'!40%!+&*!4%GG0'1!40%'4%'!,%-F0I!7+'!,+'1%'4%! ++'7)+1%'!-3-!*/,+4%&33**-%&&0'1O!,%-F0I!733)!)0*0/3b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a!h#hh9#ch9! _!?9D#9<J _!"9#C9J#CE? a!c#c?<#hjh!"'$&,%$+%' I"3#6-0+&#7-(#+"<"#1'++"0"(#'6#3"(#$"0&*"#7-(#L#B=FCC=DAF#)"$&"23#'(#6*".',"2"#7&&%<'"('()"(# 733)!,+'1%'4%!K%-M0*-0'1%'!%'!0*!-%'!K%&38%!7+'!!9#5J9#HHE!0'!4%!6'-%)7%'-0%)%*%)7%!7+'!,%-!.%*/,%)(0'1*23'4*!3'4%)1%K)+/,-# 10 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

11 5. Opvolging van de Europese regelgeving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c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e Belgische reglementering $%!.%&10*/,%! M%-1%7%)!,%%2-! 4%!,0%)K37%'! 7%)(%&4%! M0IF010'1*)0/,-&0I'! 7+'! 5JJH! '0%-! +21%M+/,-! %'! F3+&*! 7%&%! +'4%)%! AZP&04*-+-%'! M%)4! 4%! 1+)+'-0%&0(0%-! 7+'! 4%!.%&10*/,%! K%*/,%)(0'1*)%1%&0'1!733)!4%83*0-3b*!)%%4*!0'!5JJE!-3-!!"JJ#JJJ!7%),3314# R%)4%)!M%)4!G)+/,-%'*!4%!M0IF010'1*)0/,-&0I'!%%'!++'8+**0'1!433)1%73%)4!7+'!,%-!G3'0'G&0IG! 1""%#7"%1"0+3#+'3#PQ#(8#8'3+%822"0';2#+"#7"%*0'.43'()#7&&%#,(-(.'/0"#'(63"00'()"(#&1#+"# 4%83*+'-%'!0'!-%!&0/,-%'!M+''%%)!4%83*0-3b*!'0%-!0'!++'(%)G0'1!G3(%'!733)!*/,+4%&33**-%&&0'1# BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG

12 Q3-!*&3-!K%*&0*-%!4%!N%1%)0'1!7%)4%)%!++'8+**0'1%'!433)!-%!73%)%'!0'F+G%!4%83*0-31+)+'-0%#! $%F%!++'8+**0'1%'!F0--%'!7%)7+-!0'!4%!8)31)+((+M%-!7+'!59!4%/%(K%)!5JJH#!$%!K%*/,%)(0'1! 7+'!4%83*+'-%'!M++)7+'!,%-!'07%+B!7+'!!"JJ#JJJ!K%,3B4%'!K&0I2-O!F+&!7+'+2!5J""!1%K%B)%'! 433)!,%-!d!.0IF3'4%)!.%*/,%)(0'1*23'4*!733)!4%83*0-3b*!%'!&%7%'*7%)F%G%)0'1%'!e!381%)0/,-! K0I!G3'0'G&0IG!K%*&B0-!7+'!"<!'37%(K%)!5JJE#!$0-!23'4*O!M++)7+'!,%-!K%,%%)!0*!-3%7%)-)3BM4! ++'!4%!$%83*0-3P!%'!=3'*01'+-0%G+*!W40%!4%%&!B0-(++G-!7+'!4%!V4(0'0*-)+-0%!7+'!4%!Q,%*+B)0%! 7-(#4"3#R#Q"6.4"%1'()65&(+6#7&&%#+"*&6'3&S6#"(#,(-(.'/0"#'(63%81"(3"(#T#<';(#--()"9"(+# 733)! 4%! 4%GG0'1! 7+'!,%-! */,+4%1%7+&#! $++)%'K37%'! K%7+-! 4%! 8)31)+((+M%-! %%'! '0%BM! 63"06"0#7-(#,(-(.'/0"#$';+%-)"(#7&&%#+"#2%"+'"3'(63"00'()"(#"(#$"8%67"((&&36.4-**"(= 7. Internationale evolutie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nderzoek en communicatie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ËLE INSTRUMENTEN JAARVERSLAG 2009

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14 -3%!38!4%!M++)4%7+*-,%04!%'!&0`B040-%0-*1)++4!7+'!4%!+/-07+!40%!4%!K%&%110'1!B0-(+G%'!7+'!4%! (044%&%'!40%!,%-!.%*/,%)(0'1*23'4*!733)!*/,+4%&33**-%&&0'1%'!7+'!4%83*+'-%'!%'!K%&%11%)*! G+'! ++'M%'4%'#! h%&0ig-0i401! M%)4! %%'! 3'4%)F3%G! 1%73%)4! '++)! 4%! K%&%110'1*8)+G-0IG%'! K0I! +'4%)%! K%*/,%)(0'1*)%1%&0'1%'! 7+'! 4%! AB)38%*%! Z'0%! M++)K0I! 7+*-1%*-%&4! M%)4! 4+-! K%&%110'1!B0-*&B0-%'4!0'!433)!4%!L-++-!1%M++)K3)14!8+80%)!1%K%B)4%!%'!4+-!K37%'40%'!%%'! K+*0*! 7+'! 4%F%! +'+&c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eleggingen (in miljoenen ) op op Uitgiften met Staatswaarborg 721,3 (94 %) 628,8 (92 %) Schatkistcertificaten 198,4 (26 %) 121,8 (18 %) OLO s 498,4 (65 %) 482,4 (71 %) Inflatie-gebonden obligaties 24,5 (3 %) 24,6 (3 %) Andere financiële instrumenten Beveks van aandelen ( %) 47,3 (7 %) Termijnrekeningen (Schatkist) 44,3 (6 %) 5,1 (1 %) Totaal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ËLE INSTRUMENTEN JAARVERSLAG 2009

15 11. Samenstelling van de Interventiereserve H&$ T,*&#!&,*)&#&(&#!&$!.,$ 7&*$ A&(/7&#3),6(=",%($ 6#"&'&&#*$ %&$ 3)%%&1&,$ %)&$ *&#$,*0'6"44"+.$ 0#22+$ /&&-$ %*$ %*44"+.$ /2+$ **+$ 0'62%*.*/21:$!*$ )"%%*1*+$ 4&)*+$ /&&-#$ ("#$ 5)C%#.6&,$ %)&$ %&$..,6&(1"*&,$ ),(*&11),6&,$ 7&55&,$!&##)/7*$ (),%($ 9;;;4$ 2)*$ 3)%%&1&,$ /&&-#4&)*+%$("#$&/*-.*+&)*+$,*0'6*-)"+.-*.*1"+.*+$%"*$/&&-6**+$/2+$#&*9200"+.$32-*+$ *+$("#$,*1*.."+.0&9,-*+.0#*+: $%!-+K%&!,0%)3'4%)!1%%2-!4%!*-)B/-BB)!%'!*-+'4!M%%)!7+'!4%!6'-%)7%'-0%)%*%)7%#! Beschikbare financiële middelen (in miljoenen ) op op Gemeenschappelijke Reserve 607, 522,4 Reserve van de kredietinstellingen 224,3 232,6 Standby-lijnen « » 75,1 84,1 Inbreng van fondsen « » 128, 128, Liquiditeiten 21,2 20,5 Bijzondere en tijdelijke Staatswaarborg 34,6 34,6 Reserve van de beursvennootschappen 13,5 13,1 Inbreng van fondsen «CIF» 10,3 10, Liquiditeiten «CIF» 3,2 3,1 Totaal van de middelen van de Interventiereserve 879,4 802,7 GEMEENSCHAPPELIJKE RESERVE $%!K0I4)+1%'!3'-7+'1%'!7+'+2!,%-!I++)!"HHH!M3)4%'!1%K3%G-!0'!%%'!h%(%%'*/,+88%&0IG%! N%*%)7%#!6'!5JJH!1)3%04%!4%F%!)%*%)7%!++'!(%-!!E<#?CE#?H?!433)!-3%73%10'1!%'%)F0I4*!7+'! 4%!K0I4)+1%'!1%*-3)-!433)!4%!4%%&'%(%)*!W!?5#"<9#DDDX!%'!+'4%)F0I4*!7+'!%%'!8)383)-03'%%&! +""0#7-(#4"3#,(-(.'/0"#%" #7-(#4"3#;--%#KL#XF=EFE=D@DM= RESERVE VAN DE KREDIETINSTELLINGEN $%!)%*%)7%!7+'!4%!G)%40%-0'*-%&&0'1%'!K%7+-!4%!K0I4)+1%'!40%!1%*-3)-!M%)4%'!0'!,%-!G+4%)!7+'! 73)01%!4%83*0-3K%*/,%)(0'1*)%1%&0'1%'!K%,%%)4!433)!,%-!:;6#!A%'!4%%&!7+'!4%F%!K0I4)+1%'! M%)4!433)!4%!K%-)3GG%'!4%%&'%(%'4%!0'*-%&&0'1!1%*-3)-!38!%%'!F0/,-)%G%'0'1!1%38%'4!38!'++(! 7+'!,%-!.%*/,%)(0'1*23'4*#!$%F%!(044%&%'O!33G!*-+'4KcP&0I'%'!1%'3%(4O!7%)(0'4%)4%'! 0'!5JJH!(%-!!E#HE<#D?H!0'1%73&1%!%%'!-%)B1*-3)-0'1!++'!%%'!G)%40%-0'*-%&&0'1!G)+/,-%'*! 4%! +&1%(%'%! 37%)%%'G3(*-! +21%*&3-%'! 0'! "HHH! (%-! 4%! *%/-3)! 7+'! 4%! G)%40%-0'*-%&&0'1%'#! $++)'++*-!M%)4%'!%)!K%&%110'1*0'-%)%*-%'!-3%1%G%'4!++'!4%!&0`B040-%0-%'!733)!%%'!K%4)+1! BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG

16 7+'!!?CC#H<<!%'!M%)4%'!%)!-%)B1M0''0'1%'!-3%1%73%14!W%%'!2+0&&0**%(%'-*40704%'4!%'!%%'! 37%)-3&&01%!733)F0%'0'1!733)!*+(%'!!""J#<5HX# RESERVE VAN DE BEURSVENNOOTSCHAPPEN $%! )%*%)7%! 7+'! 4%! K%B)*7%''33-*/,+88%'! M3)4-! 1%73)(4! 433)! %%'! 0'K)%'1! 0'! "HHH! 733)-G3(%'4!7+'!4%!)%*%)7%*!7+'!,%-!=6>!%'!433)!%%'!K%4)+1!++'!&0`B040-%0-%'!1%73)(4! 433)!,%-!K%*/,0GK+)%!K%4)+1!7+'!4%!733)F0%'0'1%'!40%!M+)%'!++'1%&%14!+&*!4%GG0'1!7+'! 7%)K0'-%'0**%'!0'!7%)K+'4!(%-!7)3%1%)%!0'-%)7%'-0%43**0%)*!37%)1%'3(%'!7+'!,%-!=6>#!$%F%! (044%&%'!7%),3314%'!0'!5JJH!733)'+(%&0IG!433)!4%!-3%G%''0'1!7+'!K%&%110'1*0'-%)%*-%'! 733)!!9HE#<9?# BIJZONDERE EN TIJDELIJKE STAATSWAARBORG Rii)! "HH?! 1%'3-%'! 4%! 8+**07+! 7+'! 4%! -3%'(+&01%! 38%'K+)%! G)%40%-0'*-%&&0'1%'! %%'! +&1%(%'%! L-++-*M++)K3)1! (044%&*! K%-+&0'1! 7+'! %%'! 8)%(0%! ++'! 4%! L/,+-G0*-O! 7+'!4%!G)%40%-0'*-%&&0'1%'!%'!M%)4!%)!8)31)%**0%2!%%'!%0'4%!1%*-%&4!++'!4%F%!L-++-*M++)K3)1#! h%f0%'!4%f%!0'*-%&&0'1%'!1%%'!0'0-0t&%!(044%&%'!0'k)+/,-%'!0'!,%-!.%*/,%)(0'1*23'4*o!m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g0%bm%!(044%&%'! Y# Z#E\E:\ Y#,(-(.'""0#%" #K(-#$"0-63'()"(M# Y# 8'3$"3-0'()"(#7-(#6.4-+"0&&663"00'()"(# [#F:\ Y# 3"%8)9'(('()"(# Z#G:C Y# -0)"1"("#&(2&63"(# [#\:X _! Q3-++&!7+'!4%!(044%&%'!38!9"#"5#5JJH! +)%-& 16 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

17 12. Evolutie van de beschermingsregeling na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ËLE INSTRUMENTEN JAARVERSLAG

18 18 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

19 Jaarrekening 2009 Balans na resultaatverwerking Resultatenrekening Resultaatverwerking Posten buiten-balanstelling Toelichting bij de jaarrekening Verslag van het College van revisoren aan de Minister van Financiën BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG

20 Balans na resultaatverwerking (in ) Activa (in ) Beleggingsportefeuille , ,51 vastrentende effecten , ,90 niet-vastrentende effecten ,61 Vorderingen op ten hoogste één jaar 595,00 Geldbeleggingen , ,00 Liquide middelen , ,75 rekening-courant , ,85 zichtrekeningen bij kredietinstellingen , ,90 Overlopende rekeningen , ,73 Totaal activa , ,99 Passiva (in ) Kapitaal , ,76 Interventiereserve , ,57 reserve van de kredietinstellingen , ,16 reserve van de beursvennootschappen , ,05 gemeenschappelijke reserve , ,36 Voorzieningen voor risico s en kosten , ,36 interventies van het Fonds verbintenissen overgenomen van het HWI , ,24 verbintenissen overgenomen van het CIF , ,12 Schulden op ten hoogste één jaar , ,30 Overlopende rekeningen , ,00 Totaal passiva , ,99 20 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

21 Resultatenrekening (in ) Ontvangen bijdragen , ,48 bijdragen van kredietinstellingen en beursvennootschappen , ,23 bijdragen van andere beleggingsondernemingen 4 620, ,25 Terugbetalingen aan toegetreden instellingen , ,67 Uitgevoerde tegemoetkomingen ,96 Terugwinningen van schuldvorderingen , ,67 Wijziging van de voorzieningen voor risico s en kosten , ,61 toevoegingen , ,51 aanwendingen ,96 terugnemingen , ,94 Bedrijfskosten , ,07 Financiële opbrengsten , ,31 renteopbrengsten , ,31 meerwaarden n.a.v. realisaties ,00 Terugneming van waardeverminderingen op beleggingsportefeuille , ,14 Financiële kosten , ,99 Belastingen , ,84 Te bestemmen resultaat van het boekjaar , ,18 Resultaatverwerking (in ) Toevoeging aan (+) of afname van ( ) de gemeenschappelijke reserve , ,31 de reserve van de kredietinstellingen , ,33 de reserve van de beursvennootschappen , ,20 Totale toevoeging aan de Interventiereserve , ,18 Posten buiten-balanstelling (in ) Indeplaatsstelling ingevolge tegemoetkomingen , ,63 Ontvangen waarborgen , ,27 Activa waaraan voorrechten zijn verbonden , ,90 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG

22 Toelichting bij de jaarrekening 2009!*$;22--*4*+"+.$/2+$6*#$7*0'6*-)"+.08&+%0$3&-%#$&9.*0#*1%$&/*-**+4&)0#".$%*$9-"+'"9*0$/2+$%*$,&*46&(%3*#$ 8..#%&#),6$!.,$%&$-,.,/)01&$./*)!.K$H&$5&,.3),6$!.,$("33)6&$'"(*&,$8"#%*$&!&,&&,($..,6&'.(*$*&,$&),%&$ %*$1**0,22-6*"%$/2+$%*$;22--*4*+"+.$#*$/*-6&.*+:!*$322-%*-"+.0-*.*10$&+%*-."+.*+$.**+$3";5"."+.*+$#*+$&95"'6#*$/2+$6*#$/&-".*$;22-:$H*$62+%*1*+$/&&-+2I BALANS (NA RESULTAATVERWERKING) Balanstotaal :%-!K+&+'*-3-++&!'%%(-!-3%!(%-!!DCOE!(0&I3%'!%'!K%4)++1-!!E?5O?!(0&I3%'!38!,%-!%0'4%!7+'!5JJH#!$%F%!-3%P (-1"#'6#4"3#)"7&0)#7-(#+"#7"%9"%7'()#+&&%#4"3#O&(+6#7-(#('"89"#1'++"0"(#'(#+"#7&%1#7-(#"("%<';+6#,(-(.'/0"# $';+%-)"(#7-(#$-(2"(#"(#$"8%67"((&&36.4-**"(#"(#-(+"%<';+6#,(-(.'/0"#&*$%"()63"(=#!"<"#('"89"#1'++"0"(# M%)4%'!73&&%401!37%)1%4)+1%'!'++)!4%!T,*&#!&,*)&#&(&#!&!%'!1%8&++-*-!0'!%22%/-%'!7+'!4%!7*1*.."+.09&-#*8*("11*# ACTIVA Beleggingsportefeuille $%!K%&%110'1*83)-%2%B0&&%!K%7+-!%'G%&!%22%/-%'!(%-!L-++-*M++)K3)1#!$%!83)-%2%B0&&%!'%%(-!-3%!(%-!!H5O?!(0&P K%7%G*!40%!0'!4%)1%&0IG%!L-++-*23'4*%'!K%&%11%'O!*+(%'!733)!!5<O?!(0&I3%'# )"$&"23#3")"(#--(6.4-5,()6*%';6#"(#7"%7&0)"(6#)"9--%+""%+#&*#)%&(+#7-(#48(#-.38-%'""0#%"(+"1"(3:#$"%"2"(+# K0I!4%!++'G338O!(%-!0'+/,-'%(0'1!7+'!,B'!-%)B1K%-+&0'1*M++)4%!38!7%)7+&4+1#!$%!1%8)3)+-%%)4%!+103b*!32! 40*+103b*!-#3#7#!4%!-%)B1K%-+&0'1*M++)4%!M3)4%'!1%&0IG1%*-%&4!(%-!)%'-%38K)%'1*-%'# a&&%#+"#)"w(+"b""%+"#&$0')-3'"6#9&%+3#4"3<"05+"#*%'(.'*"#)"7&0)+#"(#9&%+3#+"#'(_-3'"7"%)&"+'():#$"%"2"(+#&*# )%&(+#7-(#+"#$"3%&22"(#'(_-3'"`'(+"b#7-(#2%-.43#&*#4"3#"'(+"#7-(#4"3#;--%:#'(#%" #)"$&"23#"(#)"7&")+#$';# 4%!(%-!0'-%)%*-%'!1%&0IG1%*-%&4%!38K)%'1*-%'#!"#$"7"26#7-(#'(_-3'"`)"$&(+"(#V3--365&(+6"(#0"("(#<'.4#('"3#3&3#""(#9--%+"%'()#&*#$-6'6#7-(#4"3#-.38-%'""0# )%'4%(%'-#!Y0I!40%'%'!%/,-%)!-%1%'!(+)G-M++)4%!-%!M3)4%'!1%M++)4%%)4!0'!1%7+&!7+'!4BB)F+(%!(0'4%)M++)4%! 32!4%8)%/0+-0%O!M+-!'0%-!,%-!1%7+&!M+*!%0'4%!5JJH# $%! -3-+&%! (+)G-M++)4%! 7+'! 4%! 83)-%2%B0&&%! 38! 9"! 4%/%(K%)! 5JJH! K%4)++1-!!D<5OC! (0&I3%'! M+-! %%'! '0%-P 1%)%+&0*%%)4%!(%%)M++)4%!38!4%!83)-%2%B0&&%!0',3B4-!7+'!!5"O9!(0&I3%'#! Geldbeleggingen A%'!K%4)+1!7+'!!<<O9!(0&I3%'!M%)4!38!F%%)!G3)-%!-%)(0I'!K%&%14!K0I!4%!L/,+-G0*-# Liquide middelen zichtrekeningen bij (0'1*)%1%&0'1%'!40%!7+'!G)+/,-!M+)%'!7+'!"HE?!-3-!"HH<#!$%F%!23'4*%'!M%)4%'!0'!"HHH!37%)1%,%7%&4!'++)!,%-!.%*/,%)(0'1*23'4*#!6'!5JJH!M%)4!7+'!4%F%!-%13%4%'!%%'!K%4)+1!7+'!!H!(0&I3%'!-%)B11%*-3)-!++'!G)%40%-0'P *-%&&0'1%'!G)+/,-%'*!37%)%%'G3(*-%'!+21%*&3-%'!0'!"HHH# 22 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

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24 Bedrijfskosten $%F%!)BK)0%G!K%7+-!4%!7%)13%40'1!7%)*/,B&4014!++'!4%!g+-03'+&%!.+'G!7+'!.%&10T!733)!,%-!+4(0'0*-)+-0%2!K%P,%%)!W-%)K%*/,0GG0'1*-%&&0'1!7+'!8%)*3'%%&!%'!40%'*-%'X!7+'!,%-!.%*/,%)(0'1*23'4*O!%'!407%)*%!)%/,-*-)%%G*%! M%)G0'1*G3*-%'!M++)3'4%)!4%!7%)13%40'1!7+'!,++)!3)1+'%'!%'!%)%&3'%'!K%-++&4!0'!,%-!G+4%)!7+'!,%-!K%,%%)! 7+'! K%-M0*-%! -%1%(3%-G3(0'1*++'7)+1%'O! 37%)1%'3(%'! 7+'! 4%! K%,%%)4%)*! 7+'! 4%! 7)3%1%)%! K%*/,%)(0'1*P! )%1%&0'1%'# Financiële opbrengsten $%F%!38K)%'1*-%'!F0I'!4%!0'-%)%*-%'!%'!1%&0IG1%*-%&4%!38K)%'1*-%'!7+'!4%!83)-%2%B0&&%!7+*-)%'-%'4%!%22%/-%'O! 7+'!4%!-%)(0I'4%83*0-3b*!%'!7+'!4%!)%G%'0'1P/3B)+'-!W*+(%'!!5JO<!(0&I3%'X#!g++)!++'&%040'1!7+'!7%)G3387%)P Terugneming van waardeverminderingen op beleggingsportefeuille g++)!++'&%040'1!7+'!4%!7%)g338!7+'!++'4%&%'k%7%g*!m%)4%'!m++)4%7%)(0'4%)0'1%'!40%!73)01!i++)!m%)4%'! 1%K3%G-O!-%)B11%'3(%'# Financiële kosten!"<"#2&63"(#9&%+"(#4&&5+<-2"0';2#)"7&%1+#+&&%#+"#$"9--%0&("(#7&&%#+"#*&%3"5"8'00"#1"3#,(-(.'/0"#-.3'7-= Belastingen ](+"%#+"<"#%8$%'"2#63--3#+"#%&"%"(+"#7&&%4"5,()#)"$&"23#+'"#'()"4&8+"(#9"%+#&*#+"#'(3"%"63"(#&(37-()"(#8'3# 4%!K%&%110'1%'# U U!!!U RESULTAATVERWERKING 2009 $%! 6'-%)7%'-0%)%*%)7%! 40%! 38! 4%! K+&+'*! 1%K3%G-! *-++-! K%7+-! 4)0%! )BK)0%G%'#! $%! K%&+'1)0IG*-%! 0*! 4%! h%(%%'*/,+88%&0ig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k)3-3/3&!7+'!"5!2%K)B+)0!"HHHO!37%)%%'1%G3(%'!(%-! )"(&"1+"#6".3&%"(=#!"#,(-(.'/0"#&*$%"()63"(#9&%+"(:#(-#-53%"2#7-(#+"#$"+%';562&63"(:#&*#"7"(%"+')"#$-6'6# ++'!4%!4%%&)%*%)7%*!7+'!4%!6'-%)7%'-0%)%*%)7%!-3%K%4%%&4# R33)!4%!h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ËLE INSTRUMENTEN JAARVERSLAG 2009

25 POSTEN BUITEN-BALANSTELLING Indeplaatsstelling ingevolge tegemoetkomingen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ntvangen waarborgen A%'!*8%/0+&%!%'!-0I4%&0IG%!L-++-*M++)K3)1!M%)4!-3%1%G%'4#!$%F%!M++)K3)1!F+&!*8%&%'!0'40%'!F0/,!%%'!1%7+&!7+'! +",.'/(3'"#<&8#7&&%+&"(#1"3#""(#7&&%1-0')"#&*"($-%"#2%"+'"3'(63"00'()#+'"#9"%+#)"*%'7-3'6""%+= Activa waaraan voorrechten zijn verbonden $%!M%-!7+'!"D!4%/%(K%)!"HHE!40%!,%-!.%*/,%)(0'1*23'4*!38)0/,-O!7%)&%%'-!++'!K%8++&4%!*/,B&473)4%)0'1%'! 40%!,%-!>3'4*!,%%2-!38!4%!G)%40%-0'*-%&&0'1%'!%'!4%!K%&%110'1*3'4%)'%(0'1%'O!%%'!K0IF3'4%)!733))%/,-!38!,B'! )3%)%'4%! 13%4%)%'#! $0-! 733))%/,-O! 4+-! 0'! /3'/)%-3! 7+'! -3%8+**0'1! 0*! 38! 4%! K0I4)+1%'! 40%! 7+'! "HE?! -3-! "HH<!1%*-3)-!M%)4%'!38!4%!F0/,-)%G%'0'1%'!1%38%'4!K0I!4%!G)%40%-0'*-%&&0'1%'O!0*!0'1%*/,)%7%'!38!4%!&0I*-!7+'! 733))%/,-%'!7+*-1%*-%&4!433)!4%!,c83-,%%GM%-!7+'!"C!4%/%(K%)!"E?"# BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG

26 Verslag van het College van Revisoren aan de Minister van Financiën over de jaarrekening van Beschermingsfonds voor Deposito s en Financiële instrumenten over het boekjaar afgesloten op 31 december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l!,%-!G0%F%'!%'!-3%8+**%'!7+'!1%*/,0G-%!M++)4%)0'1*)%1%&*l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g++)!3'*!33)4%%&!1%%2-!4%!i++))%g%'0'1!+21%*&3-%'!38!9"!4%/%(k%)!5jjh!%%'!1%-)3bm!k%%&4!7+'!,%-!7%)(31%'o! +"#,(-(.'/0"#3&"63-(+#"(#+"#%"6803-3"(#7-(#4"3#Q"6.4"%1'()65&(+6:#&7"%""(2&163')#4"3#'(#Q"0)'/#7-(#3&"*-6P *0'1!F0I'4%!K3%G,3B4GB'401!)%2%)%'-0%*-%&*%&# 26 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009