1. 1 B a n k Branch of Tomorrow Benoit Görtz Wim Van de Velde Program ManagerIT-Project leader

2. 2 B a n k 1 Introduction 3 Centralized infrastructure 4 Mobility 5 Best of wireless Overview 2 Project “Branch of Tomorrow” 6 Conclusion

3. 3 B a n k Introduction 1 1 Info Dexia 1200 Branches (Dexia, Bacob, Artesia) grouped in 200 clusters March 2005: Successful integration of all business applications based on a multi-channel architecture using STP, front=back This investment was the foundation of the project ‘Branch of tomorrow’

4. 4 B a n k Project “Branch of Tomorrow” Start of the project 2 2 Branch requirements to support business goals Hardware replacement Branch of Tomorrow Centralized infrastructure and applications Network capacity Central File servicing Mobility (mobile office, PDA/GSM, Home work)

5. 5 B a n k Finalizing the centralisation and integration Reducing cost Infrastructure ready for future Implementing new functionalities using proven technologies Better performance Mission 2 2 Project “Branch of Tomorrow”

6. 6 B a n k 6000 PC’s Unused CPU-power Installation Standardization Thin client Citrix 3 3 HeadQuarter Branch Centralized infrastructure Project “Branch of Tomorrow” Internet Connection

7. 7 B a n k Centralized infrastructure 3 3 Citrix Farm File servers Transaction servers Internet Project “Branch of Tomorrow” CITRIX ideal for wireless solutions  Standardization, Central file servicing, Internet  Easy deployment, less maintenance  Real time : Slow connection -> direct impact

8. 8 B a n k 4 4 Background Customers are visiting branches less frequently Internet Banking : greater convenience, less loyalty Retail Banking : Multi-Channel STP Strategy : Anywhere, Anytime, Anyhow Mobility Mobile Office as a new channel Blackberry Home Work Mobility : our service strategy

9. 9 B a n k Dexia Mobile Office (first bank in Belgium/Europe) Real time Access to all branch applications PDA Always ‘online’ with Blackberry (data+voice) Home Work on any private PC with internet connection Mobility : our service strategy Anywhere Anyhow Anytime Anywhere Anyhow Anytime 4 4

10. 10 B a n k Dexia Mobile Office Portable with (GPRS/EDGE/UMTS) wireless connections and bleutooth connected printer in a trendy trolley Mobility : our service strategy 4 4 no power, no internet connection of the customer Demo Real time Access to all branch applications Mail, intra- internet, … All financial applications + print Secured connection via digipass Dexia Mobile Office

11. 11 B a n k 4 4 acceptable performance using GPRS perfect performance using UMTS Anywhere the customer wants Legal & security constraints 12 pilots > 1 year using GPRS (acceptable performance) 200 mobile offices (1/cluster) : roll out (GPRS/EDGE/UMTS) 750 mobile offices < middle of 2006 Dexia Mobile Office Mobility : our service strategy

12. 12 B a n k PDA/GSM : Blackberry 7290 (->8707) Always ‘online’ with Blackberry (data+voice) Branch + Headquarter : 200 models Stability, 100% wireless, easy to use Mobility : our service strategy 4 4 Used for online mail and appointments Blackberry

13. 13 B a n k 5 5 GPRS / EDGE / UMTS Dexia Mobile Office (+digipass) Bluetooth Citrix Farm 3G Best of wireless Project “Branch of Tomorrow” 2,5G Blackberry BlackBerry Enterprise Server Email servers 3DES Encryption Internet VPN tunnel Home Work (+digipass) WiFi Hotspots VPN/SSL tunnel Cable # 750# 1400# 200

14. 14 B a n k Professional service for the customer where and when he wants Professional service for the customer where and when he wants Anywhere online using the same look and feel Always reachable Enhance revenues Anywhere online using the same look and feel Always reachable Enhance revenues Uniformisation and centralization Manageability and flexibility Uniformisation and centralization Manageability and flexibility Everybody wins 6 6 Conclusion Client Branch Officer IT Cost reduction, Customer satisfaction Applying the 4 Dexia Strategic pillars Cost reduction, Customer satisfaction Applying the 4 Dexia Strategic pillars Bank Customer intimacy, IT as enabler, operational excellence, employee of choice