A decimal number is simply a way of representing a number in such a way that the place value of each digit is ten times that of the digit to its right. A decimal representation does not require a decimal point. So the decimal representation of 45 is 45, exactly as in the question.
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0.45
It is not a decimal number.
1.45
15.045
Forty-five point eight zero seven. (it represents forty-five and eight hundred seven thousandths)