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S O C I E T E G E N E R A L E & U . I . B<br />

UIB offers corporate services:<br />

<strong>in</strong> day to day bank<strong>in</strong>g (managem<strong>en</strong>t of cash flows, electronic bank<strong>in</strong>g and monetics);<br />

<strong>in</strong> operational cycles (curr<strong>en</strong>t f<strong>in</strong>anc<strong>in</strong>g, mortgages);<br />

f<strong>in</strong>anc<strong>in</strong>g (medium and long term loans, leas<strong>in</strong>g);<br />

<strong>in</strong>ternational services (transfers, <strong>en</strong>cashm<strong>en</strong>t of checks <strong>in</strong> foreign curr<strong>en</strong>cy, <strong>in</strong>ternational guarantees,<br />

stand-by letters of credit, temporary guarantees…);<br />

<strong>in</strong>vestm<strong>en</strong>ts (<strong>in</strong>terest on cashflow surpluses, term deposits);<br />

personnel managem<strong>en</strong>t (payroll: agreem<strong>en</strong>ts with companies and related offers to staff).<br />

Thanks to its <strong>in</strong>ternational experi<strong>en</strong>ce and its membership <strong>in</strong> the SOCIÉTÉ GÉNÉRALE Group, UIB is able<br />

to offer its cli<strong>en</strong>ts both conv<strong>en</strong>tional services (personalised services, specialists who handle foreign<br />

curr<strong>en</strong>cy exchange transactions) and options to cover foreign exchange risk.<br />

UIB’s ties to the SOCIÉTÉ GÉNÉRALE Group provide a number of advantages, both for the par<strong>en</strong>t<br />

company, for UIB and for its cli<strong>en</strong>ts:<br />

the par<strong>en</strong>t company capitalizes flows and takes advantage of the UIB network <strong>in</strong> <strong>Tunisia</strong>, which is<br />

specialized both <strong>in</strong> domestic and <strong>in</strong>ternational activities. Indeed, UIB has always giv<strong>en</strong> priority to<br />

f<strong>in</strong>anc<strong>in</strong>g of <strong>in</strong>ternational trade and it uses its experi<strong>en</strong>ce and expertise to offer a product l<strong>in</strong>e that<br />

covers the whole range of needs of both private <strong>in</strong>dividuals and companies:<br />

a wide range of accounts for both resid<strong>en</strong>ts and non resid<strong>en</strong>ts;<br />

<strong>in</strong>vestm<strong>en</strong>t options;<br />

short-term f<strong>in</strong>anc<strong>in</strong>g;<br />

advice on the choice of settlem<strong>en</strong>t techniques;<br />

cash capital market activities (term, swap and FRA).<br />

UIB’s expertise is boosted by <strong>in</strong>-depth knowledge of the various regions of the country, of the economy,<br />

and of <strong>Tunisia</strong>n foreign exchange regulations.<br />

For UIB, there are many advantages <strong>in</strong> be<strong>in</strong>g part of the SOCIÉTÉ GÉNÉRALE Group. Indeed UIB is able<br />

to b<strong>en</strong>efit from the many companies that already work with the SOCIÉTÉ GÉNÉRALE, which boosts<br />

turnover.<br />

“It also takes advantage of the Group’s technical <strong>in</strong>put and know-how <strong>in</strong> bank<strong>in</strong>g, especially <strong>in</strong>ternational<br />

bank<strong>in</strong>g.” Philippe Amestoy, Director G<strong>en</strong>eral of UIB.<br />

<strong>The</strong> cli<strong>en</strong>t b<strong>en</strong>efits from smooth liaison betwe<strong>en</strong> the SOCIÉTÉ GÉNÉRAL’s network <strong>in</strong> France and <strong>Tunisia</strong><br />

and betwe<strong>en</strong> African and Mediterranean networks. Such ease of communication is of <strong>in</strong>terest to<br />

companies work<strong>in</strong>g <strong>in</strong> several countries <strong>in</strong> these regions as well as to companies that hope to delocalize<br />

operations. <strong>The</strong> <strong>Tunisia</strong>n affiliate pres<strong>en</strong>ts an additional advantage: “Cli<strong>en</strong>ts f<strong>in</strong>d <strong>in</strong> <strong>Tunisia</strong> the same<br />

values they have always found at the SOCIÉTÉ GÉNÉRALE Group: close att<strong>en</strong>tion to customer needs and<br />

professional delivery of services.” Philippe Amestoy, Director G<strong>en</strong>eral of UIB<br />

<strong>The</strong> SOCIÉTÉ GÉNÉRALE Group has paid tribute to the importance of its <strong>Tunisia</strong>n affiliate by <strong>in</strong>vest<strong>in</strong>g <strong>in</strong><br />

staff tra<strong>in</strong><strong>in</strong>g and <strong>in</strong> technical support services. A wide-rang<strong>in</strong>g tra<strong>in</strong><strong>in</strong>g program will be <strong>in</strong>troduced and<br />

the SOCIÉTÉ GÉNÉRALE’s DELTA <strong>in</strong>formation system will be adapted to <strong>Tunisia</strong>. “<strong>The</strong> objective is to<br />

<strong>in</strong>crease synergy with the par<strong>en</strong>t company by <strong>in</strong>creas<strong>in</strong>g shared operations.” Lilia Meddeb, Head of<br />

International’s c<strong>en</strong>tral directorate.<br />

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