Presentation (correction slide 18) - Dexia.com

Public Banking Belgium 2014: A confirmed market leader
Client
franchise
Commercial
network
Product
offering
Non lending
income (%)
Net Promoter
Score (NPS)
Cost of risk 1
~10,000 clients in both local authorities and social profit segments
• ~7,000 local and supra-local authorities clients: e.g. municipalities, “centre public d’action
sociale”, police zones, provinces, regions, communautés, regional and federal entities
• ~3,000 social profit clients: e.g. hospitals, health institutions, social housing institutions,
education, social organizations, funds, federations
Hub & Spoke network with a regional footprint
• ~40 public bankers serving local authorities and social profit clients (“Hub”)
• Specialized Marketing and dedicated research team
• Product specialists: e.g. cash management, leasing, factoring, real estate, asset management
(“Spoke”)
• ~20 E-banking consultants
State of the art banking services for the Public and Social sector
Integrated solutions vs. products
• E.g Real Estate, treasury management, budget optimization, pension
~55% (mainly driven by cash management, insurance and fee-business)
Maintain NPS above main competitors
Key promotion drivers: specialized and dedicated organization from front to back
and recognized expertise
~0-3 bps
51
Note: (1) Cost of risk as percentage of commitments outstandings (bps)