VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN

BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN Openbare instelling opgericht door de wet van 17 december 1998 (B.S.31-12-1998) de Berlaimontlaan 14 1000 Brussel Tel. : +32 2 221 38 92 Fax : +32 2 221 32 41 protectionfund@nbb.be www.beschermingsfonds.be ACTIVITEITENVERSLAG & JAARREKENING 2009 Goedgekeurd door het Bestuurscomité op 26 april 2010

Verantwoordelijke uitgever Jean-Pierre Arnoldi Voorzitter Contactpersoon voor de publicatie Herman Debremaeker Secretaris-generaal de Berlaimontlaan 14 1000 Brussel Tel. : +32 2 221 38 92 Fax : +32 2 221 32 41 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..

Inhoudstafel Organen van het Beschermingsfonds 4 Voorwoord 5 Activiteitenverslag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aarrekening 2009 19!!!!.+&+'*!'+!)%*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 2009 3

TOESTAND OP 30-04-2010! 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 21.08.2009. 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 30.09.2009 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

Voorwoord!"#$ %&'()*+#$,-*+.#$ /*-012.$ ("#$ &/*-$ %*$ 3*-4522)6*%*+$ %"*$ 6*#$ 7*0'6*-)"+.08&+%0$!""#$ %&'"()*"+($ &,$ -,.,/)01&$ ),(*#23&,*&,4$ "'&,5.#&$ ),(*&11),6$ "'6&#)/7*$ %""#$ %&$ 8&*$!.,$ 9:$ %&/&35&#$ 9;;<4$ 2)*6&!"&#%$ 7&&=*$ ),$ >??;$ ),$ 7&*$ @.%&#$!.,$ %&$ A&16)(/7&$,*0'6*-)"+.0-*.*1"+.$/&&-$%*9&02+#*+$*+$,*1*..*-0$5&210$%"*$.*&-.2+"0**-%$"0$%&&-$#3**$ B2#"'&(&$#)/7*1)C,&,4$%&$D)/7*1)C,$;EF9;$),G.@&$%&'"()*"6.#.,*)&(*&1(&1($&,$%&$D)/7*1)C,$;:F;$ "+524*$,*1*..*-0'&)9*+02#"*0#*10*10: H&$"'%#./7*$!.,$%&$A&16)(/7&$5&(/7&#3),6(#&6&1),6$5&(*..*$&#),4$5),,&,$5&'..1%&$6#&,G&,$ &,$",%&#$5&'..1%&$!""#8..#%&,4$%&$(/7.%&$*&$!&#6"&%&,$%)&$&&,$7"2%&#$!.,$&&,$6&1%I$"=$ &==&/*&,#&@&,),6$G"2$1)C%&,$8.,,&&#$%&$-,.,/)01&$),(*&11),6$8..#!.,$7)C$/1)0,*$)($,)&*$3&&#$,";$)2'6#*$5&($5";+$6*)$5";+$%*9&0"#&<0$#*-(.$#*$,*#21*+$&8$5";+$"+$,*32-"+.$.*.*/*+$*88*'#*+$ #*-(.$#*$,*5&-.*+:$ H&G&$8..#5"#6&,$%#.6&,$5)C$*"*$7&*$5&7"2%$!.,$7&*$!&#*#"28&,$),$7&*$-,.,/)&&1$(J(*&&3K$ L'$%)&$8)CG&$3..@*$%&G&$5&(/7&#3),6(#&6&1),6$%&&1$2)*$!.,$%&$('&/)-&@&$5&(/7)@@),6&,$!.,$7&*$-,.,/)01&$!&)1)67&)%(,&*4$%)&$!""#,.3&1)C@$5&(*..,$),$(*#)@*&$&,$G&&#$"3!.**&,%&$ 3&/7.,)(3&,$"'$7&*$!1.@$!.,$/",*#"1&4$*"&G)/7*$&,$1)M2)%)*&)*(",%&#(*&2,),6$5&#2(*&,%$"'$ **+$+2#"&+21*$*+$0(9-2+2#"&+21*$-*.*1.*/"+.: U!"# $"%&"%'()# &*# +"#,(-(.'/0"# 1-%23"(# 4""53# +"# +"*&6'3&$"6.4"%1'()# &(+"%# 7"%4&&)+"# ++'4+/,-!1%K)+/,-!7+'!4%!'+-03'+&%!%'!0'-%)'+-03'+&%!+B-3)0-%0-%'#!6'!F0I'!,3%4+'01,%04!7+'! '(63"00'()#7-(#&*"($--%#(83#9--%'(#+"#&7"%4"'+#"(#+"#$"3%&22"(#,(-(.'/0"#'(63"00'()"(#&*# 8+)0-+0)%!K+*0*!F0I'!7%)-%1%'M33)4014O!M%)G-%!,%-!.%*/,%)(0'1*23'4*!(%%!++'!4%!407%)*%! K%*8)%G0'1%'!%'!3'4%)F3%G%'!40%!37%)!4%!K%*/,%)(0'1!7+'!4%83*+'-%'!%'!K%&%11%)*!M%)4%'! 1%73%)4!%'!73&14%!,%-!4%!733)K%)%040'1!%'!B0-M%)G0'1!38!7+'!'0%BM%!)%1%&1%70'1# :%-!.%*/,%)(0'1*23'4*! 10'1! 4++)'++*-! 433)! (%-! F0I'! +'4%)%! 38%)+-03'%&%! -+G%'O! 40%! 7%)K+'4!,3B4%'! (%-! 4%! -3%-)%40'1! 7+'! 0'*-%&&0'1%'! M++)K0I! 4%! 4%83*+'-%'! %'! K%&%11%)*! $"6.4"%1'()#)"('"3"(:#+"#$"%"2"('()#"(#'(('()#7-(#48(#,(-(.'/0"#$';+%-)"(#"(#4"3#$"4""%# 7-(#<';(#,(-(.'/0"#1'++"0"(= V'4%)%!7%))0/,-0'1%'!M%)4%'!B0-1%73%)4!0'!,%-!)++(!7+'!4%!7%)*/,0&&%'4%!0'-%)7%'-0%43**0%)*! 37%)1%'3(%'!7+'!4%!733)1+'1%)*!7+'!,%-!.%*/,%)(0'1*23'4*O!%'%)F0I4*!,%-!:%)40*/3'-%)0'1P! %'! ;++)K3)10'*-0-BB-! W:;6XO! K%,%%)4%)! 7+'! 4%! 73)01%! 4%83*0-3K%*/,%)(0'1*)%1%&0'1! %'! +'4%)F0I4*!,%-! 6'-%)7%'-0%23'4*! 7+'! 4%! K%B)*7%''33-*/,+88%'! W=6>XO! K%,%%)4%)! 7+'! 4%! 73)01%!K%&%11%)*K%*/,%)(0'1*)%1%&0'1# BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009 5

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ËLE INSTRUMENTEN JAARVERSLAG 2009

Activiteitenverslag 2009 1. Deelnemers aan het Beschermingsfonds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antal deelnemers op 31-12-2009 op 31-12-2008 Kredietinstellingen 56 59 Instellingen naar Belgisch recht 47 50 Bijkantoren van kredietinstellingen naar niet EER-recht 9 9 Beursvennootschappen 23 23 Vennootschappen voor vermogensbeheer en beleggingsadvies 24 26 Beheervennootschappen van instellingen voor collectieve belegging 4 4 Totaal aantal deelnemers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ËLE INSTRUMENTEN JAARVERSLAG 2009 7

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nterventiedossiers geopend door het Beschermingsfonds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eheer van de interventiedossiers overgenomen van het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ËLE INSTRUMENTEN JAARVERSLAG 2009

-%)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 2009 9

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#!$++)!%)!0'!%%'!K%8++&4!0'-%)7%'-0%43**0%)!%%'!K%-M0*-0'1!K%*-++-! (%-! 4%! 7%)13%4%! /&0T'-%'! 37%)! 4%! -3%8+**0'1! 7+'! 4%! *BK)31+-0%)%1%&0'1! M%)4! %%'! 4%%&! KL#EF=CE@M#7-(#4"3#)"%".8*"%""%+"#$"+%-)#)"7&")+#$';#""(#6*".',"2"#7&&%<'"('()#+'"#&*# K+&+'*4+-B(!!?C5#"J?!K%4)++1-# 3 HET BEHEER VAN DE FINANCIËLE MIDDELEN INGEBRACHT DOOR DE CIF @8!,%-! 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

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! K%*&B0-!7+'!5?!(%0!"HHH!4+-!4%!0'23)(+-0%7%)*-)%GG0'1!0'F+G%!4%83*0-31+)+'-0%!)%1%&-#!@'4%)! 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 2009 11

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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nternationale evolutie $%83*0-3K%*/,%)(0'1! *-++-! 33G! 38! 4%! +1%'4+! 7+'! 407%)*%! 0'-%)'+-03'+&%! 0'*-%&&0'1%'! %'! 3)1+'0*+-0%*#!$0-!F%--%!,%-!.%*/,%)(0'1*23'4*!%)-3%!++'!&04!-%!M3)4%'!7+'!4%!T,*&#,.*)",.1$ X(("/).*)",$"=$H&'"()*$T,(2#&#($NTXHTOO!1%7%*-014!-%!.+*%&!(%-!G+'-3)%'!K0I!4%!.+'G!733)! 6'-%)'+-03'+&%!.%-+&0'1%'# $%F%!0'*-%&&0'1!1)3%8%%)-!?<!4%83*0-37%)F%G%)++)*!1%*8)%04!37%)!4%!,%&%!M%)%&4!%'!,%%2-!+&*! 43%&!4%!M%)G0'1!7+'!4%83*0-37%)F%G%)0'10'*-%&&0'1%'!-%!7%)K%-%)%'!433)!,%-!8)3(3-%'!7+'! 0'-%)'+-03'+&%!*+(%'M%)G0'1!%'!,%-!B0-M0**%&%'!7+'!%)7+)0'1# :%-!.%*/,%)(0'1*23'4*!'+(!0'!5JJH!4%%&!++'!4%!M%)GF++(,%4%'!7+'!4%!6V$6!40%!3'4%)! (%%)!3'4%)F3%G!7%))0/,--%!4+-!&%044%!-3-!,%-!38*-%&&%'!7+'!%%'!++'-+&!'&-*$9-"+'"91*0!40%! -06# 0"'+%--+# 28(("(# +'"("(# 7&&%# +"# "5,.'/(3"# 9"%2'()# 7-(# +"*&6'3&)-%-(3'"6U63"1"(=# $0-!3'4%)F3%G!M3)4-!0'!5J"J!7%)4%)1%F%-!0'!*+(%'M%)G0'1!(%-!,%-!A.(&1$U"33)**&&$",$ 72+4"+.$E(9*-/"0"&+# 8. Onderzoek en communicatie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ËLE INSTRUMENTEN JAARVERSLAG 2009

$%!407%)*%!3'4%)F3%G*384)+/,-%'!FB&&%'!0'!5J"J!M3)4%'!7%)4%)1%F%-!0'!*+(%'M%)G0'1!(%-! 4%!>%4%)+&%!@7%),%04*40%'*-!>0'+'/0T'O!K%,%%)4%)!7+'!,%-!d!.0IF3'4%)!.%*/,%)(0'1*23'4*! 733)!4%83*0-3b*!%'!&%7%'*7%)F%G%)0'1%'!e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ijdragen van het jaar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b*!%'!4%F%!(+G%'!E?!f!7+'!4%! K%)%G%'0'1*K+*0*!B0-#!R33)!4%!K%B)*7%''33-*/,+88%'!0*!4%!+/-070-%0-!40%!7%)K+'4!,3B4-!(%-! +"#,(-(.'/0"#'(63%81"(3"(#+"#$"0-()%';263"#)%&(+60-)#7&&%#+"#$"%"2"('()#7-(#+"#$';+%-)"# W%7%'%%'*!-%'!K%&38%!7+'!E?!fX# 6'!-3-++&!,%KK%'!4%!G)%40%-0'*-%&&0'1%'!%'!K%B)*7%''33-*/,+88%'!733)!,%-!I++)!5JJH!++'!,%-!.%*/,%)(0'1*23'4*!%%'!-3-++&K%4)+1!7+'!!?5#"<9#DDD!++'!K0I4)+1%'!1%*-3)-!M+-!5O?!f! (%%)!M+*!4+'!0'!5JJE#!$%F%!-3%'+(%!0*!%%'!1%73&1!7+'!4%!-3%'+(%!7+'!4%!4%83*0-3b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inancieel beheer $%! K%*/,0GK+)%! (044%&%'! 7+'! 4%! 6'-%)7%'-0%)%*%)7%! 7+'!,%-!.%*/,%)(0'1*23'4*! M3)4%'! K%&%14#!$0-!40%'-!37%)M%1%'4!-%!1%K%B)%'!0'!8+80%)!(%-!L-++-*M++)K3)1#! g++)! ++'&%040'1! 7+'! 4%! -B)KB&%'-0%*! 7+'! 5JJE! 3'4%)M3)8!,%-!.%*-BB)*/3(0-[!,%-! K%&%110'1*K%&%04!7+'!4%!(044%&%'!++'!%%'!K0IF3'4%)!3'4%)F3%G#!$0-!3'4%)F3%G!*80-*-%!F0/,! BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009 13

-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%'!%%'! F%%)!G3)-%!4B)+-03'!M%)4!'+1%*-)%%24# @8! K+*0*! 7+'! 4%F%! +'+&c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eleggingen (in miljoenen ) op 31-12-2009 op 31-12-2008 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 765,6 (100 %) 681,2 (100 %) I"3#,(-(.'/0"# %"6803--3# 7-(# FGGA# 9&%+3# )"7&%1+# +&&%# +"# &(37-()"(# '(3"%"63"(# "(# 1%&0IG1%*-%&4%!38K)%'1*-%'!W!5J#<<J#9"EX#!;+-!4%!K%&%110'1*+/-070-%0-!0'!++'4%&%'K%7%G*! K%-)%2-! M++)++'! 0'! 5JJH! %%'! %0'4%! M%)4! 1%*-%&4O! G3'! 433)! 4%! 7%)G338! 7+'! 4%F%! +/-07+! %%'!K%4)+1!7+'!!"9#J?"#""D!0'!)%*B&-++-!M3)4%'!1%K3%G-!+&*!-%)B1'%(0'1!7+'!733),%%'! B0-1%73%)4%!M++)4%7%)(0'4%)0'1%'# $%! -3-+&%! K%&%110'1*38K)%'1*-! 40%! *0'4*! "HHH! M%)4! 1%)%+&0*%%)4! M%)4!,0%)433)! 38!!"C<!(0&I3%'!1%K)+/,-!W'%--3!'+!K%&+*-0'1%'X# 14 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

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 31-12-2009 op 31-12-2008 Gemeenschappelijke Reserve 607, 522,4 Reserve van de kredietinstellingen 224,3 232,6 Standby-lijnen «1985-1994» 75,1 84,1 Inbreng van fondsen «1995-1998» 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"#%"6803--3#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 2009 15

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%'! W@j6b*X! %%'! +&1%(%'%! L-++-*M++)K3)1! (044%&*! K%-+&0'1! 7+'! %%'! 8)%(0%! ++'! 4%! L/,+-G0*-O! M++)K3)18)%(0%!1%'++(4#!6'!"HH?!-)+4%'!4%!@j6b*!-3%!-3-!4%!4%83*0-3K%*/,%)(0'1*)%1%&0'1! 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# ;--%0';26"#$';+%-)"(#7-(-5#@AAA# Z#E\E:\ Y#,(-(.'""0#%"6803--3#K(-#$"0-63'()"(M# Z#@\E:@ 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

12. Evolutie van de beschermingsregeling na 2009 $%!K%*/,%)(0'1!7+'!4%83*+'-%'!%'!K%&%11%)*!*-++-!++'!4%!733)+73'4!7+'!%%'!K%&+'1)0IG%! 8%)034%!7+'!,%)73)(0'1# R33)%%)*-!M3)4%'!%)!407%)*%!3'4%)F3%G%'!1%73%)4!38!0'-%)'+-03'++&!7&+G!0'F+G%!4%!7%0&01,%04! "(# 63-$'0'3"'3# 7-(# 4"3#,(-(.'""0# 6U63""1# '(# 4"3# -0)"1""(:# 9--%'(# --(# +"*&6'3&)-%-(3'"# K0IF3'4%)%!++'4+/,-!M3)4-!K%*-%%4!32!%%'!)3&!M3)4-!-3%K%4%%&4#! $++)'++*-! 0*! 38! AB)38%%*! 7&+G! %%'! K0I*-B)0'1! 7+'! 4%! K%*-++'4%! )%1%&1%70'1! 0'F+G%! 4%83*0-31+)+'-0%!0'!733)K%)%040'1!(%-!,%-!331!38!%%'!K%-%)%!K%*/,%)(0'1!7+'!4%!4%83*+'-%'! %'!38!%%'!7%),3314%!,+)(3'0*%)0'1!7+'!4%!-3%8+**%&0IG%!)%1%&*!0'!4%!AZP&04*-+-%'#!R+'B0-! %%'F%&24%! K%G3((%)'0*! M3)4%'! 33G! 4%! K%*/,%)(0'1*(++-)%1%&%'! 7+'! 4%! )0/,-&0I'! 37%)! K%&%11%)*/3(8%'*+-0%!++'!%%'!%7+&B+-0%!7+'M%1%!4%!AZP+B-3)0-%0-%'!3'4%)M3)8%'# @8! '+-03'++&! 7&+G! M%)4%'! 0'!,%-! )++(! 7+'! 4%! 8)31)+((+M%-! 7+'! 59!4%/%(K%)!5JJH! +'7"%6"# 1--3%")"0"(# )"(&1"(# '(<-2"# +"# 9"%2'()6*%'(.'*"6# "(# +"#,(-(.'"%'()# 7-(# +"# 4%83*0-3K%*/,%)(0'1!40%!7+'+2!5J""!0'!M%)G0'1!FB&&%'!-)%4%'# $%!)%1%&1%70'1!38!,%-!7&+G!7+'!4%83*0-3K%*/,%)(0'1!%'!K%&%11%)*/3(8%'*+-0%!0*!K0I1%73&1! 0'!73&&%!K%M%10'1!%'!7%)%0*-!7%)4%)!3'4%)F3%GO!3873&10'1!%'!B0-M%)G0'1!7+'!K%1%&%04%'4%! (++-)%1%&%'!38!,%-!3)1+'0*+-3)0*/,%!7&+G# BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009 17

18 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

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 2009 19

Balans na resultaatverwerking (in ) 31-12-2009 31-12-2008 Activa (in ) Beleggingsportefeuille 721 304 672,58 676 137 634,51 vastrentende effecten 721 304 672,58 628 809 700,90 niet-vastrentende effecten 47 327 933,61 Vorderingen op ten hoogste één jaar 595,00 Geldbeleggingen 44 300 000,00 5 100 000,00 Liquide middelen 75 894 172,17 84 536 167,75 rekening-courant 753 055,20 410 290,85 zichtrekeningen bij kredietinstellingen 75 141 116,97 84 125 876,90 Overlopende rekeningen 10 959 696,79 9 921 857,73 Totaal activa 852 458 541,54 775 696 254,99 Passiva (in ) Kapitaal 123 946,76 123 946,76 Interventiereserve 844 763 359,49 768 103 716,57 reserve van de kredietinstellingen 224 328 722,34 232 636 109,16 reserve van de beursvennootschappen 13 469 264,64 13 070 830,05 gemeenschappelijke reserve 606 965 372,51 522 396 777,36 Voorzieningen voor risico s en kosten 7 449 293,48 7 360 640,36 interventies van het Fonds verbintenissen overgenomen van het HWI 193 401,92 263 749,24 verbintenissen overgenomen van het CIF 7 255 891,56 7 096 891,12 Schulden op ten hoogste één jaar 111 559,31 95 814,30 Overlopende rekeningen 10 382,50 12 137,00 Totaal passiva 852 458 541,54 775 696 254,99 20 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009

31-12-2009 31-12-2008 Resultatenrekening (in ) Ontvangen bijdragen 52 148 398,32 50 894 546,48 bijdragen van kredietinstellingen en beursvennootschappen 52 143 777,42 50 890 530,23 bijdragen van andere beleggingsondernemingen 4 620,90 4 016,25 Terugbetalingen aan toegetreden instellingen 9 029 117,56 17 998 721,67 Uitgevoerde tegemoetkomingen 14 813,96 Terugwinningen van schuldvorderingen 105 451,93 282 054,67 Wijziging van de voorzieningen voor risico s en kosten 88 653,12 47 052,61 toevoegingen 190 749,50 154 213,51 aanwendingen 14 813,96 terugnemingen 102 096,38 92 346,94 Bedrijfskosten 701 960,68 654 769,07 Financiële opbrengsten 24 191 045,29 23 382 956,31 renteopbrengsten 20 440 318,29 23 382 956,31 meerwaarden n.a.v. realisaties 3 750 727,00 Terugneming van waardeverminderingen op beleggingsportefeuille 13 051 117,95 14 798 693,14 Financiële kosten 44 366,82 148 096,99 Belastingen 2 972 272,39 3 193 977,84 Te bestemmen resultaat van het boekjaar 76 659 642,92 37 703 432,18 Resultaatverwerking (in ) Toevoeging aan (+) of afname van ( ) de gemeenschappelijke reserve 84 568 595,15 54 365 041,31 de reserve van de kredietinstellingen 8 307 386,82 17 359 109,33 de reserve van de beursvennootschappen 398 434,59 697 500,20 Totale toevoeging aan de Interventiereserve 76 659 642,92 37 703 432,18 Posten buiten-balanstelling (in ) Indeplaatsstelling ingevolge tegemoetkomingen 17 347 487,45 17 390 028,63 Ontvangen waarborgen 34 634 696,27 34 634 696,27 Activa waaraan voorrechten zijn verbonden 75 141 116,97 84 125 876,90 BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009 21

Toelichting bij de jaarrekening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alanstotaal :%-!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 ;&"(#3&3#L#BF@:X#1'0;&"(#"(#9&%+3#'(#4&&5+<--2#)"7&%1+#+&&%#]^]S6#KL#EAD:E#1'0;&"(M#"(#V.4-32'63."%3',.-3"(# KL#@AD:E#1'0;&"(M=#!--%(--63#$"7-3#+"#*&%3"5"8'00"#'(_-3'"`)"$&(+"(#&$0')-3'"6#7-(#+"#O%-(6"#&7"%4"'+:#-06&&2# K%7%G*!40%!0'!4%)1%&0IG%!L-++-*23'4*%'!K%&%11%'O!*+(%'!733)!!5<O?!(0&I3%'# $%!@\@b*!m3)4%'!1%m++)4%%)4!73&1%'*!4%!8)0'/08%*!40%!0'!.%&10t!1%&4%'!733)!4%!k%&%110'1*83)-%2%b0&&%!7+'! 4%!G)%40%-0'*-%&&0'1%'!38!%%'!'0%-P1%/3'*3&04%%)4%!K+*0*#!@8!,%-!31%'K&0G!7+'!4%!++'G338!M3)4%'!4%!%22%/-%'! )"$&"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-(#+"#$"3%&22"(#'(_-3'"`'(+"b#7-(#2%-.43#&*#4"3#"'(+"#7-(#4"3#;--%:#'(#%"6803--3#)"$&"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# $%! -3-+&%! (+)G-M++)4%! 7+'! 4%! 83)-%2%B0&&%! 38! 9"! 4%/%(K%)! 5JJH! K%4)++1-!!D<5OC! (0&I3%'! M+-! %%'! '0%-P 1%)%+&0*%%)4%!(%%)M++)4%!38!4%!83)-%2%B0&&%!0',3B4-!7+'!!5"O9!(0&I3%'#! Geldbeleggingen A%'!K%4)+1!7+'!!<<O9!(0&I3%'!M%)4!38!F%%)!G3)-%!-%)(0I'!K%&%14!K0I!4%!L/,+-G0*-# Liquide middelen zichtrekeningen bij kredietinstellingen @8!4%F%!)%G%'0'1%'!*-++'!4%!K0I4)+1%'!7+'!4%!G)%40%-0'*-%&&0'1%'O!40%!4%%&'+(%'!++'!4%!4%83*0-3K%*/,%)P (0'1*)%1%&0'1%'!40%!7+'!G)+/,-!M+)%'!7+'!"HE?!-3-!"HH<#!$%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

PASSIVA Kapitaal :%-!.%*/,%)(0'1*23'4*! 3'-70'1! %%'! G+80-++&43-+-0%! 7+'!!"59#H<CODC! 40%! 3'--)3GG%'! 0*! 1%M3)4%'! ++'!,%-! ++'4%%&!7+'!4%!)%*%)7%*!7+'!,%-!:;6!40%!++'!4%!L-++-!-3%GM+(%'!'#+#7#!4%!7%)%22%'0'1!7+'!4%F%!0'*-%&&0'1# Interventiereserve $%!6'-%)7%'-0%)%*%)7%!K%7+-!4%!(044%&%'!M++)37%)!,%-!.%*/,%)(0'1*23'4*!K%*/,0G-!3(!-%1%(3%-G3(0'1%'!-%!,(-(.'"%"(#(=-=7=#""(#+",.'/(3'"#7-(#""(#2%"+'"3'(63"00'()#&5#""(#$"0"))'()6&(+"%("1'()=#I"3#3"#$"63"11"(# )%*B&-++-!7+'!,%-!I++)!5JJH!M3)4-!73&&%401!++'!4%F%!)%*%)7%!-3%1%73%14!F34+-!F%!-3%'%%(-!(%-!!DCOD!(0&I3%'! WF0%!+/-070-%0-%'7%)*&+1!8B'-!""X# Voorzieningen voor risico s en kosten $%F%! 733)F0%'0'1%'! 4%GG%'! 7%)K0'-%'0**%'! 37%)1%'3(%'! 7+'!,%-! :;6! %'!,%-! =6>! WF0%! +/-070-%0-%'7%)*&+1! 8B'-%'!9!%'!<X# Overige posten van de activa- of passivazijde H&$!"#%&#),6&,$&,$(/721%&,$"'$*&,$7""6(*&$RR,$C..#!7%)(%&4%'!)%*8%/-0%7%&0IG!4%!407%)*%!4%K0-%B)%'!%'!/)%40P -%B)%'#!@'F%!4%F%!)BK)0%G%'!70'4-!(%'!-%!K%-+&%'!2+/-B)%'O!-%!*-3)-%'!7%)13%40'1%'!%'!-%!K%-+&%'!32!-%!73)4%)%'! K%4)+1%'!40%!7%)K+'4!,3B4%'!(%-!4%!7)3%1%)%!4%83*0-3K%*/,%)(0'1*)%1%&0'1%'# $%!&/*-1&9*+%*$-*4*+"+.*+!K%7+--%'!38!4%!+/-07+F0I4%!4%!1%&38%'!%'!'0%-P3'-7+'1%'!0'-%)%*-%'!38!4%!K%&%1P 10'1%'!0'!7+*-)%'-%'4%!%22%/-%'!%'!38!4%!8+**07+F0I4%!4%!1%8)3)+-%%)4%!G3*-%'# RESULTATENREKENING Ontvangen bijdragen $%F%!83*-!K%7+-!4%!I++)&0IG*%!K0I4)+1%'!40%!1%*-3)-!M%)4%'!433)!4%!G)%40%-0'*-%&&0'1%'!%'!4%!K%&%110'1*3'4%)P '%(0'1%'!WF0%!+/-070-%0-%'7%)*&+1!8B'-!HX#! Terugbetalingen aan toegetreden instellingen Q%13%4%'!7+'!73)01%!K%*/,%)(0'1*)%1%&0'1%'!M%)4%'O!37%)%%'G3(*-01!,%-!k)3-3/3&O!-%)B11%*-3)-!++'!G)%40%-P 0'*-%&&0'1%'!%'!K%B)*7%''33-*/,+88%'!W!H!(0&I3%'X!G)+/,-%'*!+GG33)4%'!+21%*&3-%'!0'!"HHH# Terugwinningen van schuldvorderingen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ijziging van de voorzieningen voor risico s en kosten $%F%!733)F0%'0'1%'!733)!)0*0/3b*!%'!G3*-%'!,3B4%'!B0-*&B0-%'4!7%)K+'4!(%-!4%!0'-%)7%'-0%43**0%)*!37%)1%'3P (%'!7+'!,%-!:;6!%'!7+'!,%-!=6>#!$%F%!733)F0%'0'1%'!M3)4%'!++'1%7B&4!32!-%)B11%'3(%'!0'!2B'/-0%!7+'!4%! %73&B-0%!7+'!4%!K%-M0*-%!43**0%)*# BESCHERMINGSFONDS VOOR DEPOSITO S EN FINANCIËLE INSTRUMENTEN JAARVERSLAG 2009 23

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 $%F%!38K)%'1*-%'!F0I'!4%!0'-%)%*-%'!%'!1%&0IG1%*-%&4%!38K)%'1*-%'!7+'!4%!83)-%2%B0&&%!7+*-)%'-%'4%!%22%/-%'O! 7+'!4%!-%)(0I'4%83*0-3b*!%'!7+'!4%!)%G%'0'1P/3B)+'-!W*+(%'!!5JO<!(0&I3%'X#!g++)!++'&%040'1!7+'!7%)G3387%)P )0/,-0'1%'!7+'!@\@b*!M%)4%'!(%%)M++)4%'!1%)%10*-)%%)4!W!9OE!(0&I3%'X#!! Terugneming van waardeverminderingen op beleggingsportefeuille g++)!++'&%040'1!7+'!4%!7%)g338!7+'!++'4%&%'k%7%g*!m%)4%'!m++)4%7%)(0'4%)0'1%'!40%!73)01!i++)!m%)4%'! 1%K3%G-O!-%)B11%'3(%'# Financiële kosten!"<"#2&63"(#9&%+"(#4&&5+<-2"0';2#)"7&%1+#+&&%#+"#$"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

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 2009 25

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