Company Profile For Dexia SA

Dexia SA is a Belgian-based bank that focuses on Public and Wholesale Banking, providing local public finance actors with comprehensive banking and financial solutions, and on Retail and Commercial Banking in Europe, mainly Belgium, Luxembourg and Turkey. The commercial franchises in France, Belgium, Luxembourg, Italy and the Iberian Peninsula markets are core markets for Public and Wholesale Banking. Dexia also has a presence in Germany, Japan and Switzerland to retain platforms for access to funding sources. The Retail and Commercial Banking line includes asset management and investor services activities. The investor services business is conducted by RBC Dexia Investor Services, a joint venture with Royal Bank of Canada, which offers its expertise in global custody, fund and pension administration and shareholder services to institutions around the world. Total assets under custody amounted to USD 1.9 trillion as of December 31, 2008.

BRIEF: For the nine months ended 30 September 2009, Dexia SA's interest income decreased 38% to EUR50.24B. Net interest income after loan loss provision increased 30% to EUR3.16B. Net income for the period totaled EUR808M, vs. a loss of EUR723M. Interest income reflects a decrease in volume of credits granted. Net income for the period reflects decreased staff expense and increased result on equity in affiliates.