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Presentation (correction slide 18) - Dexia.com

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Support functions: DenizBank model scalability to allow<br />

ambitious expansion<br />

HR<br />

Training support through Deniz Akademi and Deniz TV: Capacity to train 1000<br />

employees simultaneously in addition to e-learning offers<br />

Highly skilled junior and mid-level managers to form future executives: 70%<br />

of managers nominations sourced internally<br />

Operations<br />

Economy of scale through mutualization of branch operations: reduction of<br />

number of Branch Ops FTEs per branch by 15% over 2010-2014<br />

Reduction of manual transactions in total transactions to decrease from 37%<br />

in 2010 to 30% in 2014<br />

IT<br />

Inter-Next: State-of-the-art IT infrastructure capable of handling 103 times 1<br />

current transactions<br />

Ocean: New credit card application platform capable of processing 64 times<br />

current transaction volumes<br />

145<br />

Note: (1) From Microsoft Seattle lab tests

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