ACCOUNTING POLICIES
General
Consolidation principles
Changes in consolidation
Principles of valuation and determination of results
Financial risk management
Fair values of financial assets and liabilities
Capital adequacy of NIB Capital bank n.v.
Notes to the consolidated balance sheet as at 31 december 2004
   1 cash
   2 banks
   3 loans and advances
   Securitisations
   4 interest-bearing securities
   5 shares
   6 participating interests
   7 intangible fixed assets
   8 property and equipment
   9 prepayments and accrued income
   Liabilities and shareholders' equity
   10 banks
   11 funds entrusted
   12 debt securities
   13 other liabilities
   14 accruals and deferred income
   15 provisions
   16 subordinated liabilities
   17 shareholders' equity
Commitments not included in the balance sheet
   18 contingent liabilities
   19 irrevocable facilities
   20 Derivatives
Notes to the consolidated profit and loss account for 2004
   21 interest income
   22 interest expense
   23 income from securities and participating interests
   24 commission income
   25 commission expense
   26 result on financial transactions
   27 other revenue
   28 personnel and administrative expenses
   29 depreciation
   30 taxation on operating result
   31 amortisation of costprice adjustments
   32 analysis of income by activity
   33 staff options and shares
   Liquidity event plan
Company balance sheet as at 31 december 2004
Company profit and loss account for 2004
Notes to the company balance sheet as at 31 december 2004
   Assets
   1 loans and advances
   2 participating interests in group companies
   3 intangible fixed assets
   Liabilities and shareholders' equity
   4 share capital and reserves

OTHER INFORMATION
Commitments not shown in the balance sheet
List of principal participating interests
Auditors' report
Profit appropriation
Appropriation
Provisions of the articles of association concerning profit appropriation
Subsidiaries
Strategic partnerships