KBC BANK Legal Form : N.V
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9 EUR NAT. D ate of the deposition Nr. PP. B. D. 1. CONSOLIDATED ANNUAL ACCOUNT FIRM OR NAME : KBC BANK Legal form : N.V. Address : Havenlaan Nr : 2 Box : Postal code : 1080 Municipality : Brussel Register : H.R. Municipality : Brussel Nr : 623074 VAT or national number BE 462.920.226 DATE 5/12/03 of the registration of the constitution act OR the most recent document which is relating to this date CONSOLIDATED ACCOUNTS submitted for the General Meeting of 28/04/04 concerning the financial year covering the period from 01/01/2003 tot 31/12/2003 Preceding period from 01/01/2002 tot 31/12/2002 The amounts of the preceding period are identical to those which have been previously published yes / no COMPLETE LIST with name, first names,occupation place of residence(address, number, postal code and municipality) of both the DIRECTORS OR MANAGERS of the enterprise and of the AUDITORS who audited the accounts. PRESIDENT OF THE BOARD OF DIRECTORS Mr. Willy BREESCH Administrator of companies Grote Molenweg 90B, 3020 HERENT PRESIDENT OF THE EXECUTIVE COMMITTEE Mr. André BERGEN Director Coupure Rechts 164 Q, 9000 GENT MEMBERS: Mr. Herman AGNEESSENS Director Edelweisslaan 47, 3080 TERVUREN Mr. Rik DONCKELS Administrator of companies Markiezenlaan 1, 3210 LINDEN Mr. Frans FLORQUIN Director Baron Empainlaan 65, 2800 MECHELEN Mr. Jan HUYGHEBAERT Administrator of companies Copernicusstraat 12, 1180 UKKEL Mr. Eric MERTENS Administrator of companies Hovenierslaan 8, 2970 SCHILDE Mr. Luc PHILIPS Administrator of companies Platanenlaan 14, 1820 PERK Mr. Guido SEGERS Director Torenstraat 114, 3110 ROTSELAAR Mr. Jan VANHEVEL Director Max Hermanlei 8, 2930 BRASSCHAAT Mr. Germain VANTIEGHEM Administrator of companies Kwerpsebaan 326, 3071 KORTENBERG Mr. Herman VAN THILLO Administrator of companies Ninoofsesteenweg 576, 1701 ITTERBEEK/DILBEEK Mr. Marc WITTEMANS Administrator of companies Winkselsesteenweg 41, 3020 HERENT AUDITOR : Ernst & Young Bedrijfsrevisoren c.v., Moutstraat 54, 9000 GENT, represented by Jean-Pierre ROMONT and Danielle VERMAELEN Total number of pages filed : 52 Number of pages of the standardform not being filed as they don't apply : 0 These annual accounts include: - the report of the statutory auditor - the report of Executive Committee to the General Meeting of the Shareholders A. BERGEN W. BREESCH President of the executive committee President of the Board of Directors V.A.T. BE. 462.920.226 2. 2003 2002 KBC Bank NV (in thousands of EUR) Codes 05 10 1. CONSOLIDATED BALANCE SHEET AFTER APPROPRIATION ASSETS I. Cash in hand, balances at central banks and post office banks 101000 1.263.720 1.210.540 II. Treasury bills eligible for refinancing at the central bank 102000 2.237.384 2.949.606 III. Loans and advances to credit institutions 103000 26.933.162 29.182.368 A. Repayable on demand 103100 4.124.354 1.759.464 B. Other loans and advances (with agreed maturity dates or periods of notice) 103200 22.808.808 27.422.904 IV. Loans and advances to customers 104000 90.288.948 98.768.541 V. Bonds and other fixed-income securities 105000 56.396.897 54.254.943 A. Issued by public bodies 105100 39.502.628 38.603.628 B. Issued by other borrowers 105200 16.894.269 15.651.315 VI. Shares and other variable-yield securities 106000 10.643.113 4.555.544 VII. Financial fixed assets 107000 828.921 917.537 A.Companies consolidated according to the equity method 1. Participating interests 107100 415.570 389.922 2. Subordinated loans 107200 120.007 120.007 B.Other companies 1. Participating interests, shares 107300 279.843 394.304 2. Subordinated loans 107400 13.501 13.305 VIII. Formation expenses and intangible fixed assets 108000 173.672 195.570 IX. Goodwill on consolidation 109000 401.077 381.117 X. Tangible fixed assets 110000 2.146.448 2.142.564 XI. Own shares 111000 55.269 55.269 XII. Other assets 112000 6.035.190 4.220.672 XIII. Deferred charges and accrued income 113000 13.330.082 9.722.368 TOTAL ASSETS 199000 210.733.883 208.556.639 V.A.T. BE. 462.920.226 3. 2003 2002 (in thousands of EUR) Codes 05 10 LIABILITIES I. Amounts owed to credit institutions 201000 38.224.138 39.683.320 A. Repayable on demand 201100 3.402.965 2.233.198 B. Amounts owed as a result of the rediscounting of trade bills 201200 0 21.139 C. Other debts (with agreed maturity dates or periods of notice) 201300 34.821.173 37.428.983 II. Amounts owed to customers 202000 108.660.935 113.801.514 A. Saving deposits 202100 25.988.182 24.245.774 B. Other debts 202200 82.672.753 89.555.740 1) Repayable on demand 202201 28.237.279 24.922.094 2) With agreed maturity dates or periods of notice 202202 54.435.474 64.633.645 3) As a result of the rediscounting of trade bills 202203 0 0 III. Debts represented by securities 203000 24.958.475 23.655.798 A. Bonds and other fixed-income securities in circulation 203100 12.694.160 13.701.667 B. Other debt instruments 203200 12.264.315 9.954.131 IV. Other liabilities 204000 8.799.522 5.216.181 V. Accrued charges and deferred income 205000 13.528.375 9.615.663 VI. A. Provisions for liabilities and charges 206100 476.930 656.974 1. Pensions and similar commitments 206101 112.959 87.009 2. Taxation 206102 53.212 55.865 3. Other liabilities and charges 206103 310.759 514.100 B. Deferred taxes 206200 47.727 67.479 VII. Fund for General Banking Risks 207000 0 0 VIII. Subordinated liabilities 208000 6.339.987 6.620.965 CAPITAL AND RESERVES 290000 7.879.331 7.277.514 IX. Capital 209000 3.763.325 3.558.698 A. Subscribed capital 209100 3.763.325 3.558.698 B. Uncalled capital (-) 209200 0 0 X. Share premium account 210000 489.973 449.464 XI. Revaluation reserve 211000 9.243 9.702 XII. Reserves and profit brought forward 212000 4.748.762 4.625.391 XIII. Goodwill on consolidation 213000 -1.072.940 -1.330.946 XIV. Translation differences (+/-) 214000 -59.032 -34.794 THIRD-PARTY INTERESTS XV. Third-party interests 215000 1.818.463 1.961.231 TOTAL LIABILITIES 299000 210.733.883 208.556.639 V.A.T. BE. 462.920.226 4. 2003 2002 (in thousands of EUR) Codes 05 10 OFF-BALANCE-SHEET HEADINGS I. Contingent liabilities 301000 16.415.888 15.509.231 A. Non-negotiated acceptances 301100 61.601 57.454 B. Guarantees in the nature of direct credit substitutes 301200 6.830.542 5.879.207 C. Other guarantees 301300 7.982.297 8.489.870 D. Documentary credits 301400 958.731 854.756 E. Assets charged as collateral security on behalf of third parties 301500 582.717 227.944 II. Commitments carrying a potential credit risk 302000 41.884.315 40.001.123 A. Firm credit commitments 302100 7.689.778 1.821.013 B. Commitments arising from spot purchases of securities 302200 802.574 1.022.365 C. Undrawn margin on confirmed credit lines 302300 33.383.874 37.115.669 D. Underwriting and placing commitments 302400 8.089 42.076 E. Commitments as a result of open-ended sale and repurchase agreements 302500 0 0 III. Assets lodged with the companies included in the consolidation 303000 114.198.359 88.089.318 A. Assets held for fiduciary purposes 303100 2.640.672 2.044.944 B. Safe custody and equivalent items 303200 111.557.687 86.044.374 IV. Uncalled share capital 304000 3.060 1.030 V.A.T. BE. 462.920.226 5. 2003 2002 (in thousands of EUR) Codes 05 10 2. PROFIT AND LOSS ACCOUNT I. Interest receivable and similar income 401000 7.980.309 9.500.724 waaronderof which income : uit vastrentende from fixed-income effecten securities 401001 2.549.482 3.035.478 II. Interest payable and similar charges 502000 -4.859.220 -6.444.480 III. Income from variable-yield securities 403000 100.603 151.200 A. From shares and other variable-yield securities 403100 82.117 131.154 B. From participating interests and shares constituting financial fixed assets 403200 18.486 20.046 III.bis Share in the result of the companies consolidated 122.793 106.456 according to the equity method A. Profit 423100 125.475 113.053 B. Loss (-) 423200 -2.682 -6.597 IV. Commission receivable 404000 1.344.821 1.195.890 V. Commission payable (-) 505000 -395.178 -413.631 VI. Profit (loss) on financial transactions 506000 727.999 1.011.902 A. On the trading of securities and other financial instruments 506100 479.710 615.140 B. On the disposal of investment securities 506200 248.289 396.762 VII. General administrative expenses (-) 507000 -3.138.771 -3.152.791 A. Remuneration, social security costs and pensions 507100 1.878.271 1.830.866 B. Other administrative expenses 507200 1.260.500 1.321.925 VIII. Depreciation and write-downs on formation expenses, and on 508000 -422.264 -436.430 intangible and tangible fixed assets (-) IX. Adjustments to write-downs (Write-downs (-)) on receivables 509000 -676.317 -465.298 and write-back of provisions (Provisions (-)) for Off-balance-sheet headings 'I. Contingent liabilities' and 'II. Commitments carrying a potential credit risk' X. Adjustments to write-downs (Write-downs (-)) on the investment 510000 35.800 -198.786 portfolio in bonds, shares and other fixed-income and variable-yield securities XI. Utilization and write-back of provisions for liabilities and charges 411000 192.573 122.691 other than those referred to in Off-balance-sheet headings 'I.