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  • Compliance function - Governance
    Dexia has an independent Compliance function which assesses the conformity of internal codes of conduct policies or internal procedures with legal obligations and best practices applicable to its business The Compliance Charter describes the role and domains of the Compliance Function and sets out the governance principles underpinning Dexia s approach to Compliance A Compliance Policy lays down the areas covered and their organization These key documents have been approved by Dexia s Board of Management and by its Board of Directors Compliance is responsible for prosecuting the fight against money laundering and the financing of terrorism for combating the risk of market abuse and for taking any action designed to ensure the integrity of the Bank towards its customers and markets In that respect the Compliance function helps the Boards of Management to identify evaluate and to mount an adequate response to such risks The Chief Compliance Officer of the Group reports to the Head of Conformity Legal Tax member of the the Executive Committee If necessary he has direct access to the Group CEO and to the Chairman of the Audit Committee The Chief Compliance Officer heads up a network of Compliance Officers who operate in each of the Group s operational entities and subsidiaries With his counterparts the Chief Compliance Officer updates the Group s internal policies and procedures accordingly to a regulatory watch process They inform and appraise the management and staff and monitor that those internal rules are observed in each Dexia entity Compliance and integrity Dexia s reputation also relies on an honest open and ethical attitude practiced not only by the companies in the Group but also by all their staff irrespective of their level Dexia promotes a number of essential values in its relationships with staff customers and external partners The rules

    Original URL path: http://www.dexia.com/EN/governance/compliance/compliance_function/Pages/default.aspx (2016-01-08)
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  • Fight against money laundering and the financing of terrorism - Governance
    management of risks regarding money laundering and the financing of terrorism and to the effective fulfillment of national and international obligations in that regard Page Content Dexia has designed and implemented a system based on international standards FATF Wolfsberg that complies with local rules and the requirements of the prudential authorities that govern the Group s international outlets See The general principles of Dexia against money laundering and the funding of terrorism In order to ensure a common consistent approach throughout the Group Dexia has drawn up a series of general policy guidelines on the basis of which all units have adopted procedures and instructions setting out obligations and formalities applicable to a knowledge and identification of customers representatives proxy holders and economic beneficiaries cross checks against official lists of criminals terrorists nuclear proliferators issued by national and international authorities sanction lists ONU OFAC et UE the monitoring of account and business during the term of the relationship the monitoring of operations and detection of suspicious transactions cooperation with the regulatory and judicial authorities in the event of suspicion of money laundering or terrorist financing in accordance with applicable requirements In the United States the Dexia Group fulfils the requirements

    Original URL path: http://www.dexia.com/EN/governance/compliance/aml/Pages/default.aspx (2016-01-08)
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  • Market abuse - Governance
    Market abuse Page Content As a listed company Dexia has implemented a number of measures aiming to manage the risk of market abuse namely insider trading or market manipulation on the financial instruments issued by Dexia Measures have also been taken with respect to other issuers about whom Dexia and or its employees may have inside information obtained for example during the normal course of business These measures are included

    Original URL path: http://www.dexia.com/EN/governance/compliance/insider_trading/Pages/default.aspx (2016-01-08)
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  • Integrity - Governance
    the exercise of external functions preventing Dexia SA from being held liable for any market abuse relating to the financial instruments of listed companies in which directors or managers exercise a function ensuring that external functions are made public Moreover Dexia and its entities comply with regulatory requirements related to the verification of the expertise and professional integrity of its board members executive directors and heads of the control functions Data protection and professional secrecy Discretion and compliance with professional secrecy requirements including bank secrecy when applicable are essential particularly with a view to preserving Dexia s good reputation Appropriate procedures have therefore been introduced at various levels employee customer transactional throughout the Dexia Group in response to national rules and regulations The use of personal data is governed in many countries by legal provisions Before using personal data staff must acquaint themselves with the rules and obligations in force by referring to the guidelines and or consult the Compliance department Independence of Auditors The communication and reliability of financial data is of the utmost importance for any regulated entity all the more so for a stock market listed group like Dexia So the role of the auditor and his independence when performing his task of auditing the accounts and in particular of evaluating all accounting data is of paramount importance Dexia has a policy designed to guarantee the independence of its auditors Whistleblowing Dexia has set up an internal whistleblowing scheme with the aim of reducing the risks of suffering a financial loss sanctions or a loss of image or reputation as a consequence of the non fulfillment of legal and regulatory requirements This internal alert system involves a procedure within the company that can be used in complete confidence by employees or managers to warn it of shortcomings

    Original URL path: http://www.dexia.com/EN/governance/compliance/integrity/Pages/default.aspx (2016-01-08)
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  • FATCA - Governance
    Compliance Act is a US regulation aiming to fight tax avoidance by US taxpayers who hold financial assets outside the United States This regulation came into force on July 1st 2014 Originally FATCA was a unilateral US regulation The signing of intergovernmental agreements between the United States and the so called partner countries is changing the rules to a multilateral initiative regarding an automatic exchange of tax information These agreements called IGA for Intergovernment Agreements provide a legal framework for financial institutions to implement FATCA in their jurisdiction Belgium signed the inter governmental on April 23 2014 France has signed the intergovernmental agreement on 14 November 2013 and encourages all French banks to comply with this regulation Dexia s position and status Dexia will see to it that all of its subsidiaries and affiliates when Dexia holds more than 50 of the capital are in compliance with the FATCA rules Some of the Dexia entities are not in the scope of FATCA and are not subject to registration Other entities have registered with the IRS Dexia Crédit Local lead the FATCA entuty of the Group has the status of Registered Deemed Compliant and GIIN ZC32QB 00000 LE 250 What is the consequence for our clients and counterparties Effective 1 July 2014 Dexia has established procedures to identify customers and American counterparts Upon indications of the client being a US citizen or resident address phone number place of birth nationality permanent transfer of funds to a potentially US person customers will be contacted to complete their file and validate their FATCA American taxpayer or not status and in some cases passive entities they will be asked whether they have a significant shareholder or authorized representative who is a U S taxpayer Financial counterparties located in a country that has not signed

    Original URL path: http://www.dexia.com/EN/governance/compliance/Fatca/Pages/default.aspx (2016-01-08)
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  • Financial Earnings 2014 - Information center
    in short Financial results and reports Shareholder information Investor information General meeting Regulated information Contact Career HR Welcome Testimonials Home Information center Financial results Financial Earnings 2014 Email Print Financial Earnings 2014 Page Content May 14 2014 Interim Statement 1Q 2014 Press release August 8 2014 Consolidated Results H1 2014 Press release August 14 2014 Financial Report H1 2014 November 14 2014 Interim Statement 3Q 2014 Press release February 19

    Original URL path: http://www.dexia.com/EN/journalist/financial_results/Pages/Financial_Earnings_2014.aspx (2016-01-08)
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  • Comité d'audit - Gouvernance
    Assemblée générale Information réglementée Contact Carrière Accueil Témoignages Accueil Gouvernance Comités spécialisés Comité d audit E mail Imprimer Comité d audit Page Content Conformément à l article 526 bis du Code des sociétés le comité d audit est composé exclusivement d administrateurs non exécutifs parmi lesquels deux indépendants dont le président du comité qui répondent aux critères de l article 526 ter du Code des sociétés Le comité dispose de l expertise nécessaire en matière d audit et de comptabilité La composition du comité est la suivante Le comité d audit est composé de quatre administrateurs tous non exécutifs dont deux administrateurs indépendants Paul Bodart administrateur indépendant et président du comité d audit Bart Bronselaer administrateur indépendant Koen Van Loo Thierry Francq Le comité d audit examine les projets de comptes annuels semestriels et trimestriels sociaux et consolidés du groupe qui doivent être ensuite présentés arrêtés et publiés par le conseil d administration Il examine toutes les questions relatives à ces comptes et aux rapports financiers et vérifie notamment à partir des documents qui lui sont transmis les conditions de leur établissement le choix des référentiels comptables les provisions le respect des normes prudentielles la pertinence et la permanence des principes et méthodes comptables appliqués et l adéquation du périmètre de consolidation adopté Le comité conseille le conseil d administration en matière de communication financière sur les résultats trimestriels et sur les dossiers délicats et sensibles ayant un impact significatif sur les comptes Le comité a également pour mission de surveiller la performance du système de contrôle interne mis en place par le comité de direction et du système de gestion des risques auxquels l ensemble du groupe est exposé du fait de ses activités Dans cette optique le comité s assure de la performance et de l indépendance du

    Original URL path: http://www.dexia.com/FR/gouvernance/comites_specialises/comite_d_audit/Pages/default.aspx (2016-01-08)
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  • Comité stratégique - Gouvernance
    Entretien avec l administrateur délégué Nos implantations Portefeuille d actifs Gouvernance Conseil d administration Comités spécialisés Management Audit Conformité Toute l information Communiqués de presse Résultats financiers Publications Dexia de A à Z Vidéothèque Contact Actionnaire Investisseur Dexia en bref Résultats financiers et rapports Informations aux actionnaires Informations aux investisseurs Assemblée générale Information réglementée Contact Carrière Accueil Témoignages Accueil Gouvernance Comités spécialisés Comité stratégique E mail Imprimer Comité stratégique Page Content La composition du comité stratégique est la suivante Robert de Metz Corso Bavagnoli sous réserve d approbation du régulateur Thierry Francq Koen Van Loo Alexandre De Geest Le comité stratégique se réunit autant que de besoin à l initiative de son président ou sur demande d un de ses membres le cas échéant en associant à ses travaux à la demande de ses membres des personnes externes qui sont parties prenantes à l évolution de Dexia afin d évaluer son positionnement stratégique compte tenu de l évolution de l environnement du groupe des marchés financiers et de leur impact sur les hypothèses et paramètres du plan de résolution ordonnée A propos de Dexia Gouvernance Conseil d administration Comités spécialisés Comité d audit Comité stratégique Comité des rémunérations et des

    Original URL path: http://www.dexia.com/FR/gouvernance/comites_specialises/comite_strategique/Pages/default.aspx (2016-01-08)
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