1. BRED GROUP
November 2016

2. Contents Who are we? 03 BRED Group on its own 06 Outside of France 08
Our Location
BRED Group Strategy
Summary
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3. Who
are we?

4. Who are we?
BRED Group forms part of the BPCE Group located in Paris, France.
BPCE Group is the second largest French Banking Group
35 MM Customers
108,000 employees
8,000 branches
38 banks
Presence in over 50 countries
Good Ratings:
Standard and Poor’s – A /A-1 /Stable
Moody’s – A2 / P-1
Fitch ratings – A / F1 /Stable
/ BRED Group Presentation

5. Who are we? Financial Highlights:
Net Banking Income – € 23.8 BN (+ 4.5% over FY 2014)
Common Equity Tier 1 ratio – 13.2% (+ 120 BPS over FY 2014)
Total Assets – € BN
/ BRED Group Presentation

6. BRED Group on its own

7. BRED Group on its own 5 250 employees of which 20% are located abroad
More than 1.0 MM customers
More than € 3.5 BN in equity
Strong growth and good profitability. In FY 2015, BRED Group consolidated net banking income reached the symbolic mark of € 1.0 BN, up 8.7%
Consolidated net profit rose by 19% to € 238 MM.
Excellent solvency ratios, rated among the best in Europe
Will be celebrating its 100th birthday in 2019
/ BRED Group Presentation

8. Outside of
France

9. Outside of France Located in 18 countries outside France
Employs over 1100
Has over 100 branches
Only French Bank with a presence in the South Pacific Independent Islands
Provides 15% to the BRED Group net profit after tax
/ BRED Group Presentation

10. Our Location

11. Our Location France – Ile de France and Normandy
France Overseas Territories (Reunion Island, Mayotte, Guadeloupe, Martinique, Guyana, New Caledonia and Tahiti)
Europe (Belgium and Switzerland)
South Pacific (Vanuatu, Fiji and Solomon Islands opening)
Eastern Asia (Laos, Cambodia, Myanmar and Thailand)
East Africa (Djibouti, Ethiopia)
/ BRED Group Presentation

12. GROUP BRED Strategy

13. GROUP BRED Strategy
To continue to develop its expansion and presence in Africa, Asia and South Pacific by :
Creating green field operations like we are currently doing in Solomon Islands.
If the opportunity arises, by way of acquisition.
Creation of Representative Offices.
All countries in the South Pacific are of interest to Bred Group.
To put in place strong and cohesive management team at divisional and country level.
Presence in Australia and New Zealand also forms part of our strategic development.
/ BRED Group Presentation

14. GROUP BRED Strategy
BRED Group provides a wide array of services ranging from retail and business banking to corporate banking, private banking, asset management, insurance, private equity, FX, derivatives, all kinds of investment and hedging solutions.
A RANGE OF SERVICES FOR LOCAL BANKS:
CREDIT
INVESTMENT
INTERNATIONAL TRADE
Letters of credit
Documentary collections
International guarantees
Pre-export financing
CASH MANAGEMENT
Correspondent banking in over 150 countries
World leader in Public Pension Payments: 16.7 million annual payments as of end of 2015 (+6% vs 2014)
Cash letter
Cash management
Market products: spot/term foreign exchange
A TRADING ROOM AND AN UNRIVALLED MONEY MARKET TEAM
BRED offers Short and Medium Term Investment Solutions (from 1 day to 5 years) to more than a hundred of the
largest non-French International Investors.
€10 BN cash directly deposited with BRED
€50 BN fixed income assets traded annually
Spot/forward currency transactions
Multi-currency financing
Hedging products and derivatives
/ BRED Group Presentation

15. Summary

16. Summary Unique opportunity but one yet to be fully developed
Position BRED Group as an International player in the South Pacific Region
Subsequent leverage of the current and future network in areas of Asset Management and Private Banking.
/ BRED Group Presentation

17. Questions
very welcome