PROJECT OFFER SOCIETE GENERALE - Reshaping lives of Indian farmers India Agriculture Agriculture is backbone of Indian Economy. Over 70% Indian population is dependent on agriculture for their livelihood. Despite rich & abundant natural sources in India, Farmers are forced to lead miserable lives. 3 out of 5 farmers commit suicide in India due to low rural per capita income. Farmer’s Problems came into limelight years ago, if not dealt with, will hamper not only Indian economy but the World Economy. Some Trends TREND SETTERS Project OFFER OFFER PROBLEM BENEFITS COST/TIME Percentage of Indian Farmers Indebted

Indian Agricultural ANALYSIS OFFER PROBLEM MODEL/ COST TIME BENEFITS TREND SETTERS Project OFFER ORGNISATION O FOR F FARMERS F EQUITY E RELIEF R SocGen committed to Corporate Social Responsibility, takes an initiative to assist in developing the country’s economy Numerous Intermediaries Lack of storage & transportation facilities. Lack of knowledge about market trends & weather. No access-quality seeds, Fertilizers, Technology Monsoon dependency Lack of credit availability Insufficient land Holdings. Illiteracy Indebtedness Agriculture- The only source of income. Power structure biased towards demand side Poor farmers exploited on supply side Many Intermediaries LOW PROFIT MARGIN POVERTY WEAK MARKET ORIENTATION LOW RISK TAKING & LOW PRODUCTION

` OFFER PROBLEM MODEL/ COST TIME BENEFITS EXECUTION TREND SETTERS Project OFFER Microfinance Access to Quality Seeds, technology pesticides at fair prices. Train farmers on best Practices Share agricultural output with SocGen. Handsome payment Introduce a quality food brand. Facilitates access to  distribution channels,  Proper warehousing and transportation facility. Access to branded food quality products. High nutritional value. Reasonable prices because of no intermediary Business Model Please check Excel sheet for assumptions, Startup Expense, Profit, cost, NPV, Sensitivity analysis Societe Generale – A Socially Responsible Bank Stage 1 Launch in a state (Punjab) (Mentioned in Excel Sheet) Stage 2 Stage-3 Consumers Societe Generale Indian Farmers Societe Generale YEARYr 1Yr 2Yr 3Yr 4Yr 5 Regions TargettedPunjab Punjab, Uttar Pradesh, Haryana Punjab, Maharashtra, Haryana, Uttar Pradesh, Orrisa, Tamil Nadu, Gujarat Punjab, Maharashtra, Uttar Pradesh, Haryana, Orrisa, Tamil Nadu, Gujarat, Andhra Pradesh, KarnatakaMost of India (70%) Logic for selecting these regions?Wheat Bowl of India Regions geographically placed together Most productive farming hubs Expansion Total Number of farmer households Total Number of Indebted Households Total number of farmer catered Loans offered (USD) Interest attained (USD) Default

BENEFITS Socio-Economic upliftment & sustenance Helps in proper training & education Rural upliftment, hence All round development of India. Accurate weighing & prompt payment for crops. Increase in yields & efficiency of agriculture. FARMERS Leverage image-FAMILY CREDIT-All India expansion (Even for insurance/ financial consulting apart from loans)- Common Man trusts SG. Family Credit has clients across India Leverage image for India firms Investment Banking deals Nominal Interest from Farmers, Export specialty crops (check Excel Sheet for details on benefits) SocGen MONETARY Great relationship with Indian Govt, avoid red-tapism Respect for the organization among Indian society Encourage nation integrity & entrepreneurship among people. SG BRANDING Improving health-hygienic, nutritious food items-reasonable price Access to a trusted brand (SG/Family Credit) with great image pan India for loans/Financial matters CONSUMERS OFFER PROBLEM MODEL/COST TIME BENEFITS TREND SETTERS Project OFFER ALL STAKEHOLDERS PARTICIPATING IN MUTUALLY BENEFICIAL RELATIONSHIP Thank You SOCIETE GENERALE for this opportunity to make a difference!! India employees spend time voluntarly on weekends( interact with farmers & explain Project OFFER benefits/run the operations) – Employee has respect and ownership for SG. SocGen Working Environment Farmers are the backbone of our mighty nation, PROJECT OFFER will be India’s proud elation! CITIZEN ACT will see the Citizen’s and Farmer’s excitement, With hearts applauding SOCIETE GENERALE’s commitment !!