LA VILLE EN MARCHE … , 2001

6 m h.

Patinated bronzeRUE DU PROGRÈS, BRUSSELS

on the front cover

LA MER CE GRAND SCULPTEUR … , 1997

77 x 70 x 91 cm

Patinated bronzeKNOKKE

photography © Thierry Renauld

on the back cover

TERRAC0TTA … , 2002

45 x 44 cmOLD GRANARY, DURBUY

National headquarters

Rue des Croisiers 24

4000 LIÈGE

Tel.: + 32 (0)4 220 31 11

Fax: + 32 (0)4 220 30 05

Headquarters for flanders

Prins-Bisschopssingel 73

3500 HASSELT

Tel.: + 32 (0)11 28 21 11

Fax: + 32 (0)11 28 20 20

Headquarters for the

belgian german community

Paveestrasse 5

4700 EUPEN

Tel.: + 32 (0)87 59 10 00

Fax: + 32 (0)87 59 10 09

Brussels Centre

Avenue de l’Astronomie 19

1210 BRUSSELS

Tel.: + 32 (0)2 227 98 11

Fax: + 32 (0)2 227 98 02

National headquarters

Avenue de l’Astronommieie 1199

12121010 B BBBRURURUSSSSSSSSELELELSSSS

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This brochure presents a summary of the results for the year 2007.

You can request the complete annual report by calling 04 220 39 05

or download it at www.ethias.be.

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CONTENTS

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* The societal report may be downloaded from www.ethias.be

Message from Guy BurtonChairman of the Management Committee

The revenue of Ethias Insurance was more than € 3.8 billion in

2007, which is slightly up on 2006. The revenue in Non-Life rose

8.89% (+16% in Group Non-Life, +1% in Individual Non-Life). Life

dipped slightly by -2.25% (-8.7% in Group Life, +4.3% in Individual

Life).

The refunds and profi t participations awarded to our members

continue to rise. They went from € 131.8 million to € 152.2 mil-

lion. The receipts surpluses are € 167.2 million (€ 117.8 million

in 2006).

For many years we have been trying to explain the social and eco-

logical role of the company. Ethias has therefore committed itself

fully to the strategy of sustainable development.

In that regard a great deal has been accomplished. Ethias received

the Diversity Label from the Federal Ministers of Employment and

the Civil Service and signed the Walloon Diversity Charter. In that

context an awareness-raising day around Diversity was organ-

ized for the personnel. We launched an energy-savings plan for

our buildings and solar panels were installed on the roof of our

headquarters.

Sustainable management and sustainable development also fea-

ture in our products and services. For instance, we are the only

insurer to cover risks for a wind farm in the North Sea, and we

developed two types of consumer credit for the fi nancing of own

investment: the Eco-package Car and the Eco-Renovation Credit.

The essential self of a mutual insurance company? To be set up by

its members and to live for its members. We have translated this

philosophy in a slogan: “We think with you!” That means acting

for the welfare of our members and of our personnel. All these ac-

tions are summarized in our fi rst societal report*. With this report

Ethias now has a new instrument to position itself on three levels:

social, societal and ecological. We may also ask the question: “is

sustainable development possible without insurance and without

fi nancing?” Probably not. So our role is to offer the possibility of

assuming such risks.

In 2007 Ethias continued to apply itself to searching for products

and services that meet the expectations of its clients, groups as

well as private individuals: the new family insurance, the annual

travel cancellation insurance, the pilot project for the use of the

electronic identity card (e-ID).

THE MANAGEMENTCOMMITTEE

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WWee thhink with you!

5

FEMME-OISEAU… , 1993

194 x 66 x 81 cm

Patinated bronzePARK OF THE SOLVAY ESTATE, LA HULPE

January

e-sante.fr

e-sante.fr is named the best health site by a public of 275 000 voters. It is the site with

the best public scores of its category.

Solidarity of GMFduring the January storms

In 2000 Ethias stood beside GMF and offered assistance in handling the cases of loss and

damage resulting from the severe storms that swept across France. In January 2007 Ethias

can in turn count on the aid of the staff of GMF’s Loss and Damage Department to process

the storm fi les under the best conditions.

February

During the second edition of the BeCommerce Awards 2007 the website

www.ethias.be receives a Silver Award in the business-to-consumer category for My Ethias.

March

Launch of the new Ethias Family Insurance

The Belgian Offi cial Gazette of 27 February 2007 published the Royal Decree

relating to easier access to law via the legal protection insurance. Ethias did not wait

for this announcement to review its Private Life Civil Liability product in which the legal

protection guarantee is mostly included.

Ethias buys Belstar from Dexia

Belstar belongs to the top 10 life insurers active via the insurance brokers’ network. The

acquisition by our group of Belstar, followed by the merger of Belstar with our subsidiary

Nateus, will bring the opportunity to reinforce our presence in the brokers’ network.

Ethias launches a pilot project for the use of the electronic identity card (e-ID) for the

protection of the online insurance portfolio. Via the e-ID the clients of Ethias will be able

to execute every transaction in their insurance portfolio with a high degree of security.

Diversity Label

Ethias is one of the 10 organizations to receive the Diversity Label from the Ministers of Employment

and of the Civil Service. Different fi elds of action were chosen in the creation of the Diversity Plan

2007-2009. Various aspects will be covered: work-life balance, training and communication around Diversity, improved career follow-up, …

Expo Devreux

Art and pleasure in the strings! Museums have been abandoned in favour of the supermarket.

A major sponsor of this cultural event, Ethias invites visitors to take a light-hearted stroll in a

«super-bazart» of art ... Pierre Devreux-style.

April

Ethias is main sponsor of the 3rd Quality Congress “Inspiring People” for the local

public authorities in Flanders. The starting point is the power of people to inspire.

Ethias received the 2007 Decavi Non-Life Insurance Trophy for its «Private Life Civil

Liability Insurance» (family insurance).

May

Ethias is main sponsor of the exhibition “Octave Landuyt Ricorso/Goetic”.

Construction of a wind farmin the North Sea

Ethias is actively involved in an ambitious and unique windmill project in the North Sea by

offering various insurance contracts. The project includes the construction of 60 windmills (of

5 MW) that will generate 1 000 GWh per annum, which is equivalent to the annual consumption of 600 000 inhabitants. After completion the project

should allow, ecologically speaking, an annual reduction of 450 000 tonnes of CO2 emissions

(or avoid the felling of 90 000 ha of wood).

Ethias Sports Day

A multisport day for the whole family to discover 20 different sport disciplines in a

party atmosphere with a free concert in the Ethias Country Hall Liège to cap it all.

June

Concert at La Monnaie

Ethias wanted to pay thanks to its public service sector clients … in a music way, with

a production of Mozart’s The Magic Flute at the Royal Opera House in Brussels.

July

Fitch confi rms the A+ rating

The rating agency Fitch confi rms the A+ rating for fi nancial soundness. This rating was awarded for the fi rst time in 2005 to the mutual insurance associations Ethias Life and Ethias Common Law.

September

Ethias is partner of the 19th Walloon Heritage Day, of the Dinant Jazz Night, of the International

Festival of the French-speaking Film in Namur, the European Ladies’ Volleyball Championship and “Kamiel in vuur en vlam!” a fi re prevention

comic strip designed for children.

October

Ethias is partner of “On the Road”, an initiative that gives youngsters between the age of 18 and 24 the chance to take interactive driving lessons.

Ethias supports the “Night Without Accidents” in partnership with RYD

(Responsible Young Drivers). Ethias is also a structural partner of the RYD.

Declaration of fi re damagenow also possible in My Ethias

Our clients can now submit their fi re damage declarations in their protected space in My

Ethias. The entry of the claim is fully integrated in our databanks and is available 24 hours a

day. After Vehicle this is the second loss or damage declaration to be available online.

FIRST: Decavi Life Insurance Trophy 2007

After 2002 and 2005 the FIRST Account received its third Life Insurance Trophy from Decavi. The criteria that made the difference

are, among others, the yield and the clarity of the fi nancial information fi le. Belstar, new

acquisition of the group integrated in Nateus, for its part received two trophies

for its investment funds in branch 23.

Ethias Trophy

After Olivier Rochus in 2005 and Janko Tipsarevic in 2006, Latvian Ernests Gulbis

won the game against Kristof Vliegen during the third edition of the Ethias Trophy. This ATP Challenger Tournament has grown to become

the international men’s tennis event in Belgium.

November

Creation of the RENT range

With this product range clients can make investments and receive a regular income.

A simulation module for clients has also been placed on the internet. Via this simulator the

client is presented with the suitable “formula” according to his/her requirements.

Ethias launches its new travel cancellation insurance. This insurance covers all travel

for one year by members of the family living in the same house as the policyholder.

Ethias Bank launches the Eco-Renovation Credit

This product is designed as an incentive for energy-saving renovation of buildings.

2007PPaarrttiicciippaattiinngg iinn tthhee ssoocciiaall eeccoonnoommyyyy,,,,

tthhaatt iiss ggiivviinngg pprreecceeddeennccee ttoo ppeerrssoonnnnss aanndd

ttoo ssoocciiaall oobbjjeeccttiivveess rraatthheerr tthhaann ttoo ccccaappiittaall

January

Ethias is partner of the non-profi t initiative «Message without a Name» (vzw Boodschap zonder Naam) whose third campaign aims to promote saying “Hello!” to each other.

Launch of the Eco-Package for cars emitting less than 120 g CO2/km.

a loan, repayable in instalments, • at a preferential rate

a discount on the Civil Liability premium,•

an Eco-driving practice with a• € 50 contribution from Ethias.

Ethias supports the short programme “The Right Refl ex” (“Les bons Réfl exes”) conceived and produced by VT4 and RTL-TVi. It includes practical tips, each 1 minute long, to avoid the little risks of daily life by preventive action.

March

Ethias is partner of the Festival “Verviers au Film de l’eau”. The intention is to use documentaries to make as many people as possible aware of the problem of water.

Ethias installs 85 m2 solar panels on the roof of its headquarters for the production of hot water and to reduce its CO2 emissions.

Ethias is a candidate for the European solidarity savings label.

Eco-Package Home

the ecological installations are insured • without additional premium,

the Eco-Renovation Package is • offered at a preferential rate.

April

Ethias publishes its fi rst societal report.

Ethias receives the 2008 Decavi Non-Life Insurance Trophy for its Family Insurance product.

Ethias is partner ofthe Folon Foundation

The retrospective «Folon 2008» is entitled“Trip to the Land of Folon”. This culturaland tourist route is available until September 2008.

Ethias supports the 9th Walloon Children’s Council meeting in partnership with the non-profi t association CRECCIDE.

Launch of the legal aid guarantee «Access to Law».

Ethias is partner of the local authorities’ Meeting Day. This day is the biggest meeting event for local authorities in Flanders.

May

Focus on the tariff “less than 10 000 km”, now even more competitive.

Ethias is partner of the congress “Quality of Local Authorities” and of the international expedition “Circle 66°” where 6 team members having suffered from breast cancer cross Greenland.

The Mobility guarantee sees the light of day

a free basic package: car breakdown • assistance in Civil Liability and repatriation to the place of residence for all accidents in Belgium and a free replacement car from accredited garages in case of compensation on the basis of comprehensive insurance or direct settlement system (6 days for total loss / for the duration of the repairs).

a replacement car in case of an accident • lasting 10 to 30 days for total loss or total theft of the vehicle. Guarantee with a lump-sum and highly competitive premium, plus the availability of a replacement car from the day of the accident having made the insured vehicle unroadworthy.

The BOB guarantee: extension of the guarantee to Civil Liability (vehicle and private life) for cover of material damage to a vehicle driven by a designated driver.

September

Ethias is partner of the Walloon Heritage Days, the International Festival of the French-speaking Film in Namur and the exhibition regarding home accidents in Houffalize (in partnership with Houtopia).

October

Ethias Trophy, a wave of pleasure, …

To accommodate the expectations of an increasingly large public at this event, the 2008 programme has been enlarged with a number of surprises. Concerts, virtual tournaments and other exciting demons-trations will be organized so the spectators can experience even more pleasure.

2008

7

FLORAISON … , 1971-2002

74 x 98 cm

Watercolour and coloured inkESPACE WALLONIE, BRUSSELS

Refunds

As a mutual insurance association Ethias pursues no strict profi t motive. Its clients,

thanks to the direct contact, also enjoy fast and effi cient service.

Ethias is thus able to reinvest in constant improvement of its products and serv-

ices and to offer its clients advantageous rates, premium refunds and the best

coverage.

In its 2007 Management Report the Board of Directors proposed allocating more

than 152.2 million euros in profi t participations and premium refunds to groups

and private individuals.

That is precisely why Ethias offers the best service and the best coverage against

competitive prices.

Always working towards a sole objective: to protect its clients and anticipate their

needs.

Contributions in thousand €

Fire 164 964Life 2 636 495Work accidents 207 946Common law 819 091TOTAL 3 829 096

Free reserves

Fire 162 507Life 735 836Work accidents 316 863Common law 471 325TOTAL 1 686 531

Receipt surpluses

Fire 15 819Life 123 940Work accidents 9 345Common law 18 143TOTAL 167 247

Total balances

Fire 383 895Life 20 186 955Work accidents 1 982 659Common law 2 667 015TOTAL 25 220 524

KEYFIGURES

SUR LA ROUTE … , 2002

75 x 105 cm

Watercolour and collageESPACE WALLONIE, BRUSSELS

Developingg our activities

is the main driving force bbehind growth

Position on the market

3rd largest insurer in Belgium (total receipts)

1st in the branch Group Life1st in Work Accidents (public sector)

2nd in Automobile3rd in Work Accidents3rd in property & casualty insurance (IARD)

13.1% market share

Evolution of receipts 1970 - 2007 in million €

1970 22.6

1975 63.0

1980 156.0

1985 307.3

1990 697.1

1995 1209.2

2000 1673.4

2005 4960.2

2006 3792.4

2007 3829.1

Key figures in million €

Gross premiums life __________________________________________ 2 636.5Gross premiums non-life ______________________________________ 1 192.6Total premiums ______________________________________________ 3 829.1Technical result _______________________________________________ 176.6Financial result ________________________________________________ 939.4Net result (a) __________________________________________________ 167.2Technical provisions _________________________________________ 19 639.2Proper funds (b) _____________________________________________ 1 686.5Total assets (c) _____________________________________________ 25 220.5Return on equity = (a) : (b)x100 _________________________________ 9.91 %Return on asset = (a) : (c)x100 __________________________________ 0.66 %

Fraction of thevarious insurance branchesin the total receipts

9

A stakeholderr in the social economy

A mutual insurancee association does noot exclude the profi t

motive, but pursuess profi t solely in the innterests of its mem-

bers and employeess. A mutual insurer ppromotes the values

of solidarity and resspect for others.

Ethias has always aspired to make innsurance accessible

rather than excludinng coverage. In otherr words, Ethias aims

to apply insurance in its original sensee, namely solidarity.

Ethias remains a fi xxture in an economic landscape that is

prey to sudden fl ucttuations on the stockk exchange. And be-

ing a mutual insuraance company is alsoo synonymous with

delivering a good peerformance.

Multiyear Plan foor Corporate Social Responsibility (CSR)

Ethias started an acction plan for Social RResponsibility within

its various activitiess. A multiyear plan waas approved in 2003

in this perspective. The Ethics Committtee guarantees its

implementation andd monitoring. To date the following initia-

tives have been broought to a successful conclusion:

• obtaining the 1stt Social Label for the Ethias

Home Insurancee (2003) - this label wwas extended

in 2006 for a further period of 3 yearrs

• creation of a soccial-ethical code,

• introduction of aa joint ethics committtee,

• development of an ethical and solidaarity-

based fund “Ethhico Boost”,

• creation of a codde of practice,

• creation of an investment code,

• obtaining the fi rrst Ethibel quality labbel for

the “FIRST pension savings plan”

• development of an ethical and solidaarity-

based fund in brranch 21 for groups,

• launch of MultiSSecurity editions withh the Ethibel label,

• obtaining the Diversity Label.

A mutual insurer

Since the legislator has recently permitted the merger by ac-

quisition between mutual insurance associations, a merger

is now planned between Ethias Common Law and Ethias Fire

to form a single association in IARD (property & casualty in-

surance). This merger will be put to the vote of the members

of Ethias Fire and Ethias Common Law at the Extraordinary

General Assembly to be held in the fi rst half of 2008.

A mutual insurance association is an alliance of persons who

agree to mutually insure themselves and to share the cost

of any sustained loss, damage or injury. To this end they set

up a fund that is replenished with their own contributions.

Under this formula each member is, at the same time, an

insurer and an insured party, and there is no capital stock

and therefore no shareholders to remunerate.

Taking out insurance with Ethias thus means that you buy

the necessary security for yourself, but you also contribute

towards the security of others and to the solidarity that is

the essence of insurance. Ethias regards its policyholders as

true partners, not merely as clients.

Ethias consists of fourseparate mutual insuranceassociations:

• Ethias Fire • Ethias Life• Ethias Work Accidents• Ethias Common Law

Ethias also has a bank

““AA mmuuttuuaall ccoommppaaaannyy aattttaaaacccchhhhees iiimmmmpppooorrtaannccee nnoott oonnllyy ttoo iittss mmeeeemmbbeerrss’’ ssssaattiiisssffffaacctioon,bbuutt aallssoo ttoo tthhee wwwweellffaarree oooofff iittss ppppeerrrssonnnell””

OURVALUES

PERSONNAGE… , 1992

53.5 x 10 x 9.5 cm

Patinated bronzeSEIGNIORY OF ANHAIVE, NAMUR

PERSONNAGE… , 1992

50 x 9.5 x 9.5 cm

Patinated bronzeGNIORY OF ANHAIVE, NAMUR

PatSEI

Ethias stannds by its policyholders

in facing upp to life’s contingencies,

offering inssurance products that are

straightforwward, transparent and

the best vaalue for money.

Besides Boost Ethico and the FIRST Pensions Savings Plan

Ethias also offers Global 21 Ethical. Boost Ethico is an ethical

and solidarity-based fund of branch 23, consisting of funds

recognized by Ethibel and/or Triodos. The FIRST Pensions

Savings Plan is the only product of this type bearing the

Ethibel Quality Label. Global 21 Ethical is an allocated fund

from brand 21 for the public service sector and bears the

Ethibel Quality Label.

In 2007 Ethias received the Diversity Label from the

Ministers for Social Integration and Work. Ethias is the only

enterprise in the banking and insurance sector with this

label, conferred for a period of 3 years. This label connects

with the introduction by Ethias of a Diversity Plan around

various projects, such as training in diversity, the adapta-

tion of premises for persons with a handicap, a “diversity”

announcement in vacant situations, adaptation of the inter-

net site for the visually impaired, etc.

Also noteworthy are the existing partnerships forged with

organizations and companies from the social economy

(Incofi n, Impulse Microfi nance, Netwerk Rentevrij, social

housing companies, etc.) and academia (Theodorus,

Baekeland, BI3, etc.).

A major player in the economy

Ethhias also contributes to the development of nearly

huundred companies via fi nancial participations. These

companies come from various sectors: insurance, fi finance,

inddustry, ICT, health, environment and the social ecoonomy.

This portfolio diversifi cation is part of its approaach for

deeveloping its insurance activity, but also comes abbout for

strrategic reasons or because of specifi c opportunities. On

31 December 2007 the Ethias participations portfollio rep-

ressented 2.560 billion euros and the Group’s consolidated

baalance stood at 28.7 billion euros.

11

TRIP TO THE LAND OF FOLON

The Folon Foundation

The Farm of the Castle

of La Hulpe, in the

Solvay Park, has been

home to the Folon

Foundation since

October 2000.

The Foundation, conceived and created by Jean-Michel

Folon, shows forty years of artistic activity in an original

and lively setting.

Here the artist opens his book of life … At the turn of each

page the visitor discovers the many facets of his art and

living environment amidst no fewer than 300 works of art:

watercolours, silk-screen prints, engravings, stained glass

windows, sculptures and statuary, …

Music, fi lms and optical effects enliven the interactive

route, open to a broad public.

After your visit you can stroll in the 220 hectares of the

Solvay estate and its exceptional fl ora and fauna.

More info: 02 653 34 56 - www.fondationfolon.be

Leader in online insurance

The Ethias internet site (www.ethias.be) is a fully-fl edged

distribution channel.

The site is a pioneer, particularly with the personal space

“My Ethias”. Here affi liates can consult and manage their

insurances and submit a vehicle/fi re damage claim online.

2007 was again a record year for the internet site: there

were more than 5 million visitors. 1 139 000 quotes were

given and more than 47 600 contracts were taken out.

“My Ethias” accounted for more than 3.2 million contract

consultations and more than 833 000 visits. The e-newslet-

ter has more than 170 000 subscribers.

These fi gures continue to rise and reinforce Ethias’ position

as leader in online insurances!

We think with you!

A general insurance companywith a wide product range

In January 2000 Ethias opened up to everyone. Since then

the company no longer only offers insurance policies to

public sector employees and their families. Ethias, the third-

largest insurer in Belgium, is a general insurance company

with a wide range of products spread across the two main

branches of traditional insurance: Life and Non-Life.

In the Life branch the facilities include: the FIRST Account,

FIRST Junior, the RENT range, LIFT MultiSecurity, BOOST

Invest, credit life insurance, …

In the Non-Life branch: motor vehicle insurance, driver insur-

ance, Ethias Assistance and Home Emergency (certifi ed with

ISO 9001:2000), Ethias Home and Family insurance (both

certifi ed by Test-Achats), hospitalization insurance, domes-

tic servant insurance, life accident guarantee, Academic

guarantee for the teaching professions, …

As a direct insurer Ethias offers an extensive product range

via various distribution channels.

Our insurance advisors are spread throughout the country

in a network of 39 offi ces.

You can fi nd the address list at the end of this brochure.

Over the years Ethias has also developed new means of

communicating with its members.

Via a contact center they can reach their insurer every work-

ing day on 02 227 99 00 from 08:00 to 20:00 hrs and on

Saturdays from 8:30 to 12:30 hrs.

POSTERS …offset and silk-screen

INDIVIDUAL INSURANCE

Health portal

In October 2002 Ethias launched e-sante.be, a free health portal focusing on

current health issues, prevention and well-being. This portal, developed on the

initiative of GMF (e-sante.fr) and Ethias, also has ambitions to stand out at the

European level.

E-sante has become the leading health site in Belgium, with more than 750 000 vis-

its each month. 2 000 000 pages viewed and 135 000 subscribers to the e-letter.

Besides a weekly health magazine e-sante.be also offers medical guides, health

catalogues, tests, recipes, etc.

15

HOMMAGE À GAUD … Í, 2001

71 x 123 cm

Oil on woodESPACE WALLONIE, BRUSSELS

Natural insurer of public authorities

Ethias (Smap at the time) was founded in 1919 by repre-

sentatives of the public authorities to offer an answer to a

twofold concern: the need for solidarity in rebuilding the

country after the First World War and to offer insurance pre-

miums that were cheaper (up to 50 %) in comparison with

the rates applied by traditional insurers.

Ethias has always remained committed to the task of insur-

ing the public sector and its employees.

Through developing its know-how even further Ethias has

substantially increased the size of its membership over the

years. These members now include:

Not only an insurer, but also a partner

Ethias insures the employees of public services and enter-

prises against all sorts of possible risks:

civil liability, hospitalization, accidents, including of course

work accidents, but also sporting accidents, car insurance

and assistance, …

Ethias also covers damage to or possible destruction of

equipment, buildings and installations. Too many to men-

tion! The list looks more like an endless inventory: exhibi-

tions, computers, fi lms and audiovisual equipment, all

kinds of equipment, luggage, circuses, police uniforms,

tents, bicycles, skis, but also parking meters, ticket and

drinks vending machines, … and even animals.

“Moree than just an insurer,

we want to be seen

aas a helping partner”

• the Federal Government, the

Regions and the Communities,

• the Constitutional bodies

(Chamber, Senate, Parliaments

of Regions and Communities),

• the 10 Provinces,

• more than 540 towns,

cities and boroughs,

• hundreds of community social

welfare centres and social

housing corporations,

• thousands of intercommunity

and semi-public bodies, public

interest organisations and

miscellaneous associations

(cultural centres, youth

centres, school committees,

staff associations, …).

GROUP INSURANCE

E LA NAVE VA … , 1992

100 x 200 cm

Oil on cast iron and on woodESPACE WALLONIE, BRUSSELS

A proximity relationship

The network of Ethias inspectors

covers the whole country and is fully

dedicated to public authorities.

Both in the day-to-day management

of the insurance contracts and the

settlement of insurance claims, the

inspector assists members in assess-

ing their needs and in fi nding ways of

fulfi lling them.

Attention to the needsof private businesses

Ethias also offers its know-how and

experience as an insurer of local au-

thorities to private businesses and

assists them in the management of

specifi c risks.

Ethias offers a complete range of in-

surances responding to the needs of

private businesses for the protection

of:

• their staff (work accidents

insurance, life accidents

insurance, hospitalization

insurance, guaranteed income

insurance, group insurance);

• their patrimony (car insurance,

property and casualty insurance,

machine breakage insurance,

all-risk insurance, …)

• their liabilities (civil liability

for business, civil liability

for vehicle drivers).

In that context Ethias works exclu-

sively with brokers specialized in cor-

porate risks. They are known for their

professional and objective analysis of

the private market.

Efficient, simple and free

Thanks to our protected extranet,

the affi liated groups can now man-

age their fi les on a remote basis. Our

extranet is now a highly valued and

widely used business tool. The site

has a million connections each month

and receives 90% of the work acci-

dents claims as well as large number

of claims in civil liability, fi re damage

and school accidents. Around 5 000

groups make use of it: Flemish- and

French-speaking community schools,

90% of the policyholders for work

accidents and sporting federations

insured with Ethias.

In the context of an electronic docu-

ment management system the use

of the extranet is now increasingly

evolving towards a genuine means of

communication between insured and

insurer.

Prevention advice

A team of prevention specialists is

also available for public authorities

and businesses. These specialists can

always be called upon for step-by-

step assistance depending on their

profi le and activities. The many tasks

include carrying out safety audits, ac-

cident analyses and risk inspections.

These safety technicians can also of-

fer training to staff members and give

specialist advice. Important detail:

this service is totally free!

17

In 2006 Ethias Bank further developed its product range in order to meet as far

as possible the needs of the Ethias Insurance policyholders. In 2007 Ethias Bank

mainly focussed on the complementarity of its products with those of Ethias

Insurance.

In 2007 a campaign was developed promoting the savings account as a short-term

alternative to the FIRST Account.

The success of this campaign demonstrates, on the one hand, the need for short-

term savings products for Ethias policyholders and, on the other, the commercial

interaction between the savings account and the range of FIRST products.

In the range of consumer credits too,

greater cooperation was sought with

Ethias Insurance. Consumer credits

are now offered in 14 of the 39 offi ces

where the advisors, besides vehicle

and fi re insurances, are now able to

present their clients with vehicle and

renovation loans.

The bank for private individuals

ETHIASBANK

L’ENFANCE … , 1983

100 x 145 cm

Aubusson tapestry

woven in the studio of Robert FourOLD GRANARY, DURBUY

OVER THE RAINBOW … , 1989

105 x 132.7 cm

Aubusson tapestry

woven in the studio of Robert FourOLD GRANARY, DURBUY

The bank for the public service sector

2007 was characterized by an intensifi ed cooperation between the bank and insur-

ance teams in the Group Life sector.

At organizational level the bank teams were reinforced by the Employee Benefi t

Consultants from the Life branch. The integration of these advisors makes it

possible for us to give the client an all-inclusive answer to questions concerning

investments, and this for a period of 1 week up to 30 years.

With regard to group insurance products, bank investment products and FIRST

Company products (branch 26) clients can now call upon the same team offering

them a total solution package.

In keeping with Ethias’ initiatives

around “sustainable entrepreneur-

ship and management”, 2 types of

consumer credit were developed

for the fi nancing of environmentally

friendly investments: the Eco-Package

for Cars and the Eco-Renovation

Credit.

The success of these products shows

that the Ethias client is far from insen-

sitive to this important societal topic.On a commercial level the emphasis

was on the further development of

short-term investment products. This

led to the successful launch of the

FIRST Company Short Term product

in branch 26. In addition to a capital

guarantee, this investment product

also offers a guaranteed minimum

return, plus a bonus on the end date.

Ethias Protection Plus was also

launched, offering clients the possibil-

ity to further develop their portfolios.

This is also a short-term investment

product with capital protection over

three months but without guaranteed

return.

For the future Ethias Bank will con-

tinue to look for products that sat-

isfy the clients’ demand for effi cient,

versatile management of fi nances,

with the accent on the quality of the

service rendered to the client.

19

PLATES… , 2002

51.5 cm diam. / 46 cm diam.

Coloured terracottaOLD GRANARY, DURBUY

Ethhias,a ccompany opento Europe

A solid institutioonal partnership

Back in 1999, Ethiias forged a partnersship with AZUR-GMF,

one of the key playyers in the French insurance sector. Each

of the groups retaains its identity, but they work together

actively in areas ooffering effi cient syneergies and important

economic scale inccreases. Examples arre reinsurance, fi nan-

cial management aand claims.

The GMF Group, reference insurer ffor public serviceemployees

GMF takes the fundamental values of tthe mutual insurer to

heart and offers insurance solutions annd proximity fi nancial

services that are noot only modern, simpple, effi cient and use-

ful but also with aa fair price. GMF thus meets the specifi c

protection needs oof the insured at any ttime in their lives.

Mindful of social trends and developpments and citizens’

concerns, GMF plaaces its know-how annd experience at the

service of its membbers, who are at the hheart of its pursuit of

mutual values.

Besides a comprehhensive range of conttracts and services in

the fi eld of goods aand personal insurannce, assistance, legal

aid, savings or fi nnancial products, the Group also offers

products specifi c to the needs of publicc service employees.

Group has 4000 points of sale, nearly 6 000 employees

France (includding all subsidiaries), more than 3 million

clients, 5 milllion managed contracts in loss and dam-

age insurancce. More than 600 000 persons have a life

insurance coontract.

Nateus 2007:merger, innovationand good results

2007 was the year of the merger with Belstar, specialized in

life insurance. Belstar, which sold its products exclusively

through independent brokers, was purchased by Ethias in

early 2007 and merged with Nateus on 27 December 2007.

With this merger Nateus reinforced its position as a brokers’

company.

In 2007 the total premium receipts stood at € 379 million, of

which € 205 million in the branch Life and another € 174 mil-

lion in the branches Liability, Loss/Damage and Transport.

The fi nancial year closed showing a profi t of more than € 12

million. The balance total rose to more than € 2 billion at

the end of 2007. A staff of 453 employees guarantee an

enthusiastic support of the brokers’ network.

The Credit Cell was created to meet more effectively the ex-

pectations of the independent broker. Brokers can call upon

this Cell to fi nd solutions for mortgage loans, consumer

credits and investment loans. Ethias Bank is the preferred

partner.

In 2007 a new interactive web application was developed.

With this tool users can now input new policies and make

changes in their insurance portfolio. An evolution that bro-

kers particularly appreciate.

In early 2008 Nateus was the fi rst insurer to launch an in-

surance solution for the designated driver (Bob

driver). By so doing Nateus confi rms

only its innovative role in the insurance

landscape but, as a subsidiary of Ethias,

also contributes to providing solutions

for societal problems.

The G

n

ver (Bob

n

e

The

in

(

ot

PARTNERS

MODERN TIME… , 2003

40 x 160 x 30 cm

terracotta

VASE… , 2003

50 x 37 cm

TerracottaOLD GRANARY, DURBUY

In 2007 the turnover of GMF in Loss and Damage rose to

1.35 billion euros despite the tariff reductions that were

regularly implemented over the past 4 years in Vehicle in-

surance. The receipts in the same period in Life Insurance,

generated by subsidiary GMF Life, were 1 167 million euros,

which is a 7% increase. Still in Life Insurance, GMF has for

three consecutive years offered the best returns on the mar-

ket, i.e. 4.55% on its most important contracts.

GMF is now part of COVEA, a strong mutual group, leader on

the French insurance market for private individuals,

with a turnover of more than 12 billion euro

and 10 million members.

Mutual companies in Europe

Ethias is at the hub of a European networ

of relations thanks to its membership of major

European associations representative of the mutual in-

surance companies. It played an important role in the merger

of these organizations in a single organization (AMICE), of

which it is a founding member. It works actively in actions

conducted to make the international and European authori-

ties aware of the particularities and the values of the mutual

insurers.

Together with other European insurers in the social econo-

my, Ethias has committed itself, among other things, to the

creation of a European Status for Mutual Insurers, a legal

instrument whereby it can develop its own activities on a

European scale.

LEGIBEL

LEGIBEL is the legal protection dispute

setttlement offi ce at the service of the

Ethhias policyholders. This separate system of managgement

is designed to ensure the best possible settlemeent for

confl icts of interest or differences of opinions that Ethias

poolicyholders may be faced with.

In order to achieve its goals, LEGIBEL has adopted sspecifi c

toools tailored to this kind of settlement procedure aand re-

fl eecting state-of-the-art dispute settlement techniquees.

LEGIBEL offers policyholders the opportunity to settle their

confl ict on the basis of alternative settlement proceedures:

arbbitration and mediation. Towards this end, it enlists the

aidd of accredited mediators who have received mediation

traaining from CIFORM (www.ciform.org).

Ouur processing procedures are based on a legal protection

me-line” whose stringent application makes its gener-

ally possible to avoid legal proceedings.

Allowing the advisor managing the claims poortfolio

to use a series of preventive measures, we offer cli-

ents coverage tailored to their disputes (potential or

recognised).

or optimum effectiveness LEGIBEL also offers leegal aid

byy telephone: LEGIPHONE, on number 02 223 70 700.

Ouur offi ce has the ISO 9001 certifi cate. LEGIBELL is ac-creedited by the European Communities for the out-oof-courtsetttlement of consumer disputes.

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Fo

21

AalstLeo De Bethunelaan 108

9300 AALST

Tel. 053 78 92 20 Fax 053 77 83 97

AlAlAllleleleururururAvenue de l’Expansion 12

4432 ALLEUR

Tel. 04 247 90 11 Fax 04 246 00 15

pAnAnAnntwtwwtwereererpppMechelsesteenweg 66

2018 ANTWERPEN

Tel. 03 203 41 41 Fax 03 231 76 09

ArlonRue-des-deux-Luxembourg 48-50

6700 ARLON

Tel. 063 22 06 37 Fax 063 23 22 62

BrBrrBruguggugeesesesGenthof 9

8000 BRUGGE

Tel. 050 47 07 00 Fax 050 47 07 07

ChChhChararrarlelelelerororoiiiBoulevard Pierre Mayence 1

6000 CHARLEROI

Tel. 071 20 27 70 Fax 071 20 27 80

DinantRue Edouard Fétis 24

5500 DINANT

Tel. 082 22 70 79 Fax 082 22 42 72

EekloMolenstraat 44

9900 EEKLO

Tel. 09 378 42 54 Fax 09 378 44 38

Ellignies-Ste.-AnneRue Neuve 11

7972 ELLIGNIES-STE-ANNE

Tel. 069 68 89 66 Fax 069 68 90 07

GeelSchuttershof 16 (Gasthuisstraat)

2440 GEEL

Tel. 014 56 26 90 Fax 014 56 26 99

GhGhhGhenennenttttF. Rooseveltlaan 351

9000 GENT

Tel. 09 265 78 78 Fax 09 265 78 70

HalleVandenpeereboomstraat 46/1

1500 HALLE

Tel. 02 356 05 84 Fax 02 356 49 64

HannutRue de Tirlemont 2

4280 HANNUT

Tel. 019 51 95 10 Fax 019 51 95 15

HuyRue Rioul 2

4500 HUY

Tel. 085 27 45 90 Fax 085 27 45 99

jKoKoKoortrtrtririririjkjkjkGroeningestraat 39

8500 KORTRIJK

Tel. 056 21 88 08 Fax 056 22 96 21

La LouvièrePlace communale 20

7100 LA LOUVIERE (Résidence de la Paix)

Tel. 064 23 80 80 Fax 064 23 80 81

LeuvenJustus Lipsiusstraat 36/0006

3000 LEUVEN

Tel. 016 28 43 60 Fax 016 28 43 69

LibramontGrande Rue 33b

6800 LIBRAMONT

Tel. 061 23 21 89 Fax 061 23 24 61

Marche-en-FamenneAllée du Monument 22A

6900 MARCHE-EN-FAMENNE

Tel. 084 32 71 40 Fax 084 32 71 49

MeMeMeMechchhcheleleleenenH. Consciencestraat 8

2800 MECHELEN

Tel. 015 42 07 99 Fax 015 42 32 67

MerksemBredabaan 804

2170 MERKSEM

Tel. 03 646 23 58 Fax 03 646 33 94

MoMoMoMonsnsnsnsBoulevard Dolez 15

7000 MONS

Tel. 065 40 17 20 Fax 065 40 17 30

NaNaNaamumumumurrRue de Fer 48

5000 NAMUR

Tel. 081 25 07 11 Fax 081 25 07 10

OstendErnest Feysplein 3

8400 OOSTENDE

Tel. 059 56 86 80 Fax 059 56 86 89

OudenaardeMarlboroughlaan 2

9700 OUDENAARDE

Tel. 055 30 24 30 FFax 055 30 35 27

PeerSteenweg Wijchmaal 110/1

3990 PEER

Tel. 011 57 47 43 FFax 011 57 55 91

RoeselaereIepersestraat 194-1966

8800 ROESELAERE

Tel. 051 24 86 14 FFax 051 25 11 46

Sint-NiklaasSchlachthuisstraat 73

9100 SINT-NIKLAAS

Tel. 03 780 78 50 FFax 03 780 78 59

TienenVeemarkt 8

3300 TIENEN

Tel. 016 82 02 27 FFax 016 82 49 43

TournaiRue Royale 71

7500 TOURNAI

Tel. 069 88 96 10 FFax 069 88 96 15

VerviersBoulevard Gérardchammps 120

4800 VERVIERS

Tel. 087 35 13 94 FFax 087 35 15 82

WaremmePlace du Roi Albert 1er 14

4300 WAREMME

Tel. 019 33 08 10 FFax 019 33 09 01

WaWaWaWavrrvrvreeeeAvenue Pasteur 6

1300 WAVRE(Parc d’affaires des Colliness de Wavre)

Tel. 010 68 62 20 FFax 010 68 62 29

YpresSint-Jacobsstraat 67

8900 IEPER

Tel. 057 20 97 37 FFax 057 21 93 26

Besides Liège, Brussels and Hasselt, the

offioffice cess in Alleur, Antwerp, Bruges, Charleroi,

Ghent, Kortrijk, Mechelen, Mons, Namur and

Wavre also offer bank products.

REGIONAL OFFICES

EVASION … , 2004

260 x 500 x 72 cm

Patinated bronzePARK OF THE SOLVAY ESTATE, LA HULPEPARK OF THE SOLVAY ESTATE, LA HULPE

Insurance private individuals

Infofrom Monday to Friday from 08:00 to 20:00 hrs.

Saturdays from 08:30 to 12:30 hrs.

Tel. 02 227 99 00

Helpdesk Lifefrom Monday to Friday

from 08:00 to 12:00 hrs and from 13:00 to 17:00 hrs

Tel. 011 28 23 84

Fax 011 28 23 50

Car and Home Damages (24 hours/day)Tel. 011 28 24 00

Fax 011 28 27 26

Ethias Assistance (24 hours/day)Tel. 011 28 28 28

Fax 011 28 28 29

Group insurance

Public sector authoritiesfrom Monday to Friday from 08:00 to 17:00 hrs.

Tel. 011 28 20 80 or 011 28 20 21

BusinessesTel. 011 28 20 15

Fax 011 28 20 87

Prevention serviceTel. 011 28 28 80

Fax 011 28 28 89

ExtranetTel. 011 28 29 00

Bank for private individuals

from Monday to Friday from 09:00 to 17:00 hrs.

Tel. 011 28 28 21

Bank for the public sector

from Monday to Friday from 09:00 to 17:00 hrs.

Tel. 0800 94 005

CONTACT CENTERS

23

Chief Editor: Benoit Rigo Avenue de l’Astronomie 19 1210 Brussels Concept and design : infographie@ethias.be

© Folon ADAGP 2008 Photography: © OPT - JP Remy / © Thierry Renauld / © Luc Seresiat