Presentation (correction slide 18) - Dexia.com

Public Banking France 2014: A profitable and recognized
specialist
Client
franchise
Commercial
network
~4,500 strategic clients with a resilient long-lasting relationship
• ~2,500 local authorities clients: e.g. municipalities, departments, regions
• ~2,000 social profit clients: e.g. hospitals, health and social housing inst., SEM, “mutuelles”
Hub & Spoke network with a regional footprint
• ~115 relationship managers (“Hub”)
• Product specialists: Commercial banking, Financial Engineering, Debt management, Specialized
Finance, Statutory insurance, Fleet management (“Spoke”)
Dedicated direct platform in Paris and Lyon
55
Product
offering
Non lending
income (%)
Net Promoter
Score (NPS)
Cost of risk 1
LT/ST lending and debt management
Increased cross sell of existing offer: deposits, insurance and asset management
Upgraded commercial banking services through best-in-class platform provided by
Credit Mutuel enabling access to additional products
• E.g. Mobile banking and services, factoring, leasing, remote security control
Enlarged offer, mainly through partnerships, tailored to client emerging needs
• E.g. GE (Medical Equipment leasing), CDC (Public Real Estate), CESU (Axa assistance)
~50% (mainly driven by commercial banking, deposits, CESU and statutory
insurance)
NPS above main competitors: ~20%
• Key promotion drivers: Recognized expertise and service quality
~0-3 bps
Note: (1) Cost of risk as percentage of commitments outstandings (bps)