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Presentation (correction slide 18) - Dexia.com

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Roll-out of new branch concept, together<br />

with development of direct sales and services<br />

Open Branch<br />

Concept<br />

Direct sales<br />

& services<br />

In-branch specialised<br />

sales & service<br />

Branch<br />

re-clustering<br />

Refurbishment to<br />

Open Branch Concept<br />

All key branch locations (536) to be refurbished by end 2012<br />

<br />

To date, 40% of refurbishments already done, on track with plan<br />

Improved & Renewed<br />

ATM machines<br />

<br />

<br />

Complete ATM renewing, with on-line recycling cash-in/cash-out<br />

functionalities in all branches<br />

Already 73 % of cash deposit transactions through ATM machines in<br />

Q2 2010, i.e. 5 m annual operations<br />

Enhanced web & call<br />

service offer<br />

<br />

<br />

Migration towards an integrated website - <strong>com</strong>munication,<br />

sales & transactions<br />

Communication & sales managed by dedicated web sales teams<br />

Distribution channels more focused on<br />

sales & client relationship, supported by innovative IT<br />

81

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