 µ_SG \ {MICROFINANCING}  Goal \ Set up a new business unit that delivers a full range of banking services for the poor  Where \  Existing offices C:\SG\TeamMicroSG\project\µ_SG QUESTION:\Banking & CSR\What to offer to all stakeholders?:\ POSSIBLE SOLUTION 1

 Objectives\  Develop a profitable solidarity financing model {e.g. microcredits}  Borrower commits to spend money according to certain rules Send children to school, nutrition, clean drinking water..  Our Mission\  Société Générale = banking for rich AND poor 1\ give microcredits to (poor) people who cannot get a regular loan at a commercial bank 2\ teach a set of instructions or values to customers 3\ provide other financial services  Target audience\  Underprivileged\Poor people  LT: globally C:\SG\...\µ_SG\FRAMEWORK 2

 Method\  Based upon Grameen Bank, Bangladesh  Wikiblog as interface for progress research  Means of action\  FASE I {developing good business model}  FASE II{giving practical recommendations}  FASE III{pilot project}  Processes\  Brainstorm  Information gathering\Market research  Elaboration of business model for µ_SG  Practical implementation C:\SG\...\µ_SG\METHODOLOGY 3

 Benefits  Poor people: change to gain a higher standard of living  SG: better image  Employees: higher identification with company  Customer: higher retention + more prospectors  Execution period  Dec.08 - Jun.09: test period by TeamMicroSG  Jul : practical implementation  TeamMicroSG\ Hans Hoorelbeke_Koen Lauwers_Steven Rosseel C:\SG\...\µ_SG\EXECUTION PERIOD C:\SG\...\µ_SG\BENEFITS 4