Binck Bank

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	31 December 2009		31 December 2008
		x € 1,000		x € 1,000

6. Cash and balances with central banks		48,936		39,289

This item includes all cash in legal tender, including bank notes and coins in foreign currency, and any credit balances available on demand from the central banks in countries where BinckBank has offices.

7. Banks		179,692		244,412

This item includes all cash and cash equivalents relating to the business activities held in accounts with credit institutions supervised by bank regulators.

This item comprises:
Credit balances available on demand	174,663		174,412
Call money	5,029		70,000
	179,692		244,412
The call money receivables have original maturities of less than three months. Interest is received on these balances at a variable rate based on market interest rates.

8. Financial assets at fair value through profit and loss		37,294		37,033

This item concerns an actively managed portfolio of bonds with remaining maturities of less than 1 year. The fair value of the portfolio is measured on a daily basis as part of the performance assessment and in connection with portfolio risk management.

9. Available-for-sale financial assets	1,511,903		1,298,233

This item comprises:
Government bonds/government-guaranteed bonds	832,205		652,581
Other bonds	679,698		645,652
	1,511,903		1,298,233
This item concerns a portfolio of interest-bearing securities with remaining maturities of between 0 and 4 years.

Movements in available-for-sale financial assets were:
Carrying amount as at 1 January	1,298,233		8,117
Purchases	1,156,581		2,580,397
Sales	(396,879)		(1,278,833)
Redemptions	(552,851)		(25,551)
Revaluation gains and losses	6,819		14,103
Carrying amount as at 31 December	1,511,903		1,298,233

10. Loans and receivables		410,169		227,725

This item comprises receivables from private sector clients, including overnight loans and overdrafts that are collateralised by securities and bank guarantees (collateralised loans).

The analysis is as follows:
Receivables collateralised by securities	407,627		225,028
Receivables collateralised by bank guarantees	2,412		2,140
Other receivables	805		1,034
Loans and receivables, gross	410,844		228,202

Less: impairment provision	(675)		(477)
	410,169		227,725

The interest rate is based on EURIBOR or EONIA.
Other receivables refers to remaining amounts receivable after execution of collateral (securities and bank guarantees).

The movements in the impairment provision were as follows:
Carrying amount as at 1 January	477		1,105
Added	315		295
Recovered	(108)		(90)
Written off	(9)		(833)
Carrying amount as at 31 December	675		477

The impairment provision is calculated on a specific basis.

11. Held-to-maturity investments		8,329		12,558

The portfolio of interest-bearing securities classified as held-to-maturity investments concerns government bonds with remaining maturities of between 0 and 2 years.

Annual report 2009