CIC in brief
Transcription
CIC in brief
2012 edition CIC in brief Service offer > 3 ,703,056 individuals CIC strives to provide the best possible service by listening and responding to its customers’ needs, making the right expertise available, and providing local decision-making capacity. Making banking easy Banking in the best conditions also means being able to access banking services, freely and at any time. With Filbanque you can use Internet, telephone or WAP to view your accounts, carry out transactions and make payments in all security, 24 hours a day. Personal contracts (Contrats Personnels) include a service package: you choose the services that suit you best and, with the Web option, you benefit from reduced rates if you receive your bank statements via cic.fr. Your payment instruments are accompanied by extensive guarantees. Some cards offer the Différé plus option, providing for payment in instalments. With Crédit en Réserve and Allure Libre accounts or a personal loan, you are equipped to face any unforeseen expenses or impulse purchases. Financing projects When buying a car, you can choose a specific car loan or opt for an all-inclusive long-term car rental solution. CIC remains close to its clientele of retail customers, associations, professional and corporate customers by constantly upgrading its branch network. Thirty-one new branches were created in 2011. It enhances its remote banking services on an ongoing basis by expanding its network of automatic teller machines and adding new Filbanque functions (secure messaging, confirmation code, interconnection between contracts, Internet and Smartphone applications and appointment scheduling in business diaries are among the most recent). An ever more efficient range of services covers banking, insurance and new technology, including remote surveillance and mobile telephony, with services adapted to young people of all age groups. CIC provides high value-added services to a clientele of high-net-worth customers and senior executives through its private banking entities in France and abroad. Drawing on the strength of the Crédit Mutuel-CIC group, it seeks to build a lasting relationship with each of its customers. If you are planning to buy a house to live in or rent out, or to carry out home improvements, CIC offers a comprehensive range of flexible and adaptable loans. Protecting your family and possessions With comprehensive home and motor insurance, CIC can cover all your needs starting from financing your project. The range extends to healthcare, retirement and personal insurance. Intégral’Optic provides healthcare insurance policyholders with full coverage of their optical equipment needs and payments made directly by the insurer to the service provider by using the Avance Santé card. Building your capital and preparing the future The bank offers a range of flexible savings solutions to respond to each customer’s savings objectives: safety net savings, building capital, increasing capital, top-up income, tax optimisation and transmission of assets. By combining Livret A Sup and LDD Sup savings plans, you can invest up to €200,000 on advantageous and flexible terms and with complete security. With the Compte évolutif, you benefit from a guaranteed interest rate that is known in advance and increases each year without you having to commit to a subscription period, and your capital remains available at all times. Your advisor will recommend the products best suited to your situation and objectives and can draw on the assistance of the bank’s wealth management experts when necessary. Benefit from the most efficient new technology As a pioneer in this field, Crédit Mutuel-CIC has made new technology a central feature of its commercial strategy, with innovative products and services designed to make life easier: mobile telephone services for monitoring your accounts and, in the near future, paying for your purchases in shops; Protection Vol (remote home surveillance); Web Conso, an online consumer credit facility, and more. The range of telephone service packages has been further extended with the addition of the Ultimate illimitée package for Smartphones. > 648,131 self-employed professionals and associations A dual approach has been adopted to advise the bank’s clientele of trades people, self-employed and independent professionals, farmers and associations: first, a global approach covering both professional and personal aspects, as all entrepreneurs need to look after their businesses and their families and prepare the future from solid bases; and, second, an offer of ‘tailored’ solutions to meet specific needs. Services Managing accounts, receipts and payments, investing surplus cash, etc. Saving time and reducing administrative tasks are priorities so as to be able to focus on the business: Contrat Professionnel Global , a global business banking package, comprises all the essential banking services and bundles their costs for a flat fee. CIC has developed several innovative services in the area of flow processing: electronic handling of healthcare providers’ social security forms; a healthcare electronic payment package facilitating the use of electronic payment terminals by doctors; a dedicated bank card specifically for the legal profession, etc. CM-CIC Paiement offers secure online payment for small businesses as well as international e-commerce sites operating in several languages and currencies. With the Prévention fraude module, you set the filter terms for payments considered too risky. And thanks to Pack Associations , associations are no longer obliged to have their own website to offer the possibility of online payment of fees and/or subscriptions. Financing CIC offers a range of suitable loans for starting a business, such as the subsidised business creation loan (PCE) and Créacic, a comprehensive and tailored financing solution for business rescuers restarting a business. Self-employed customers can avail themselves of services adapted to their situation, such as a payment card for business expenses, property and casualty insurance and civil liability cover. Businesses can draw on CIC’s discount, factoring and receivables assignment (Dailly) services and overdraft facilities to finance their operating cycle and meet their cash requirements. And Assistance Recouvrement CIC sends out reminders on their behalf to recover unpaid receivables. For your equipment and production materials purchases, your relationship manager can provide you with a full range of solutions including leasing options with all-inclusive offers such as Flash association and Autoconfort, which combine a maintenance contract with a long-term vehicle lease, as well as remote surveillance of your business premises with Protection Vol Pro. Savings and wealth management Tax optimisation, building capital, investing, preparing for retirement, transmitting wealth: your objectives and your requirements evolve over time and the bank will help you draw up a personalised strategy. Profit sharing, incentive plans and employee savings plans (PEE and PEI) are tax-efficient methods of remunerating you and your employees, as well as motivating and increasing the loyalty of your staff. Force 3 Epargne and Force 3 Retraite offer a simple and efficient employee savings solution to very small businesses. Personal insurance To protect you and your family, TNS Prévoyance offers a choice between a capital sum or an annuity in the event of your death; daily indemnities enabling you to maintain your earnings at 100% of your salary in the case of incapacity to work and an education allowance. It includes a healthcare and retirement insurance package that benefits from the tax advantages of the Madelin law. Service offer > 1 10,853 corporates Relationship managers are in contact with and at the service of businesses of all sizes and their executives. They can draw on the capacity for innovation and skill centres of Crédit Mutuel-CIC. They have extensive expertise spanning flow and cash management, international operations, operating cycles, investment and social and financial engineering. Flow management Our services are at the cutting edge of technology in electronic payment and remote banking services to handle receipts, payments, management and security of financial flows and to optimise surplus cash. The bank helps business migrate to new file exchange protocols and to introduce SEPA formats, confirming its capacity to develop innovative and efficient bank connectivity services, such as the file management and transmission solution, Hub Transferts, which is integrated with Filbanque. CIC distributes the electronic signature certificate K Sign RGS** for the Keynectis certification authority, thereby providing a comprehensive EBICS TS and certification package to facilitate the dematerialisation, securitisation and automation of transactions. Cash management The bank markets secure fixed-rate products – CDN negotiable term deposits or CIC Acti-trésorerie – and CAT term deposits at interest rates that increase each quarter including a three-year CAT indexed on three-month Euribor – or annually. With Libre Arbitre, a range of market investments, capital can be guaranteed at maturity. International CIC is your day-to-day partner for supporting your strategy, financing your development, limiting interest rate and foreign exchange risk and determining your means of payment. Through its 39 international branches and representative offices and through CM-CIC Aidexport, it can offer ad hoc services, such as market research, organisation of trade missions, partnerships and setting up of operations, among others. The Avance Plus Prospection service rounds off its financing offer to exporting SMEs by combining a cash advance with prospection insurance from Coface. Trade Services facilitates electronic exchanges relating to all documentary credits. Operating cycle Short-term credits, surety bonds, guarantees, factoring, receivables assignment (Dailly), etc. offer numerous solutions to finance your operating cycle. With the CIC InfoRisk information service and credit insurance via the CM-CIC Factor factoring agreements, you can protect your business against the risk of payment default and secure your trade receivables, which can be dematerialised with the E-pack service. Investment Whether for creating or taking over a business, renovating its production facilities, acquiring or extending business premises or innovating, CIC offers a range of conventional loans and appropriate equipment and real estate leasing and finance leasing solutions. Social engineering An offer comprising all aspects of deferred collective remuneration (profit sharing, incentive plans and employee savings plans) and group insurance cover (retirement indemnities, plans under Article 39/83 of the French Tax Code, health and personal insurance) in an advantageous tax framework. The CIC Plan Retraite Evolutif allows you to optimise your remuneration policy while controlling your expenses: designed to adapt to changes in your company and in the business cycle, it combines the advantages of the PERCO collective retirement savings plans and Article 83. Financial engineering From creation to expansion, growth through acquisitions and transmission, a business goes through a variety of complex financial, legal and accounting phases: CIC can help you at each of these key phases in your business’s future. CIC profile CIC is the holding company and network bank for the Greater Paris region. It federates five regional banks and subsidiaries specialised in all finance and insurance business lines in France and abroad. > T he group’s activity is organised around four core businesses 4,462,041 customers including: Retail banking encompasses all the banking and specialist activities whose products are distributed through the network: life and property-casualty insurance, equipment operating and finance leasing, real estate leasing, factoring, fund management, employee savings plans and real estate. Financing and capital markets: • financing encompasses credit facilities for large corporates and institutional customers, specialized financing (export financing, project and asset financing, etc.), international operations and foreign branches; • the capital markets activities, in their broadest sense, comprise customer and proprietary transactions involving interest rate instruments, foreign currencies and equities, including brokerage services through CM-CIC Securities. Private banking provides expertise in asset management and estate planning to entrepreneurs and private investors. The private banking division operates at national and regional level under the CIC Banque Privée banner with 343 employees in 54 towns. It draws on the expertise of the group’s specialist subsidiaries in France and abroad. Private equity comprises equity investments, M&A advisory services and financial and capital markets engineering. It is organised around two businesses: CM-CIC Capital Finance and CM-CIC Investissement. CIC is one of the leading players in this segment in France outside the Paris region. 3,703,056 individuals 68,065 associations 580,066 self-employed professionals 110,853 corporates 20,779 employees* 2,108 branches in France 3 foreign branches, 36 representative offices and 30 private banking offices outside France Data as at 31 December 2011 * Full-time equivalent Activity of the regional banks CIC (Greater Paris region) Customers (1): 686,153 • individuals 571,897 • associations • self-employed professionals • corporates ATMs 11,101 89,236 13,919 290 Customer loans 15,591 Customer deposits 15,102 Managed savings 10,431 CIC Ouest Customers (1): 697,343 • individuals 576,361 • associations • self-employed professionals 90,560 • corporates 20,623 ATMs CIC Ouest 9,799 391 Customer loans 16,873 Customer deposits 11,354 Managed savings 9,353 CIC Sud Ouest Customers (1): 394,388 • individuals 314,977 • associations 7,118 • self-employed professionals 62,290 • corporates 10,002 ATMs CIC Sud Ouest 376 Customer loans 8,172 Customer deposits 5,340 Managed savings 3,440 (1) including other customers Data at 31 December, 2011; monthly average principal amounts in millions of euros CIC CIC Nord Ouest CIC Est 6 avenue de Provence 75009 Paris Tel: +33 (0)1 45 96 96 96 www.cic.fr 33 avenue Le Corbusier 59800 Lille Tel: +33 (0)3 20 12 64 64 www.cic.fr 31 rue Jean Wenger-Valentin 67000 Strasbourg Tel: +33 (0)3 88 37 61 23 www.cic.fr Chairman and chief executive officer: Michel Lucas Deputy chief operating officer: Alain Fradin Director of the retail banking network: Daniel Baal Director of the corporate banking network: René Dangel Chairman and chief executive officer: Stelli Prémaor Deputy chief operating officers: Eric Cotte – Bernard Duval Chairman and chief executive officer: Philippe Vidal Chief operating officers: Luc Dymarski – Pierre Jachez CIC Ouest 8 rue de la République 69001 Lyon Tel: +33 (0)4 78 92 02 12 www.cic.fr 2 avenue Jean-Claude Bonduelle 44000 Nantes Tel: +33 (0)2 40 12 91 91 www.cic.fr Chairman and chief executive officer: Michel Michenko Deputy chief operating officers: Michel David – Laurent Métral CIC Lyonnaise de Banque Chairman and chief executive officer: Rémy Weber Deputy chief operating officers: Isabelle Bourgade – Yves Manet CIC Nord Ouest Customers (1): 746,517 • individuals 631,132 • associations • self-employed professionals CIC Nord Ouest • corporates ATMs CIC Ile-de-France CIC Est 9,668 86,989 18,728 338 Customer loans 16,059 Customer deposits 11,888 Managed savings 8,241 CIC Lyonnaise de Banque Customers (1): 926,661 • individuals 752,733 • associations 16,342 • self-employed professionals 131,414 • corporates 26,172 ATMs CIC Lyonnaise de Banque 23,122 Customer deposits 15,764 Managed savings 13,154 CIC Est Customers (1): 1,010,979 • individuals 855,956 • associations Cité Mondiale 20 quai des Chartrons 33058 Bordeaux Cedex Tel: +33 (0)5 57 85 55 00 www.cic.fr Chairman and chief operating officer: Jean-Jacques Tamburini Chief operating officer: Pascale Ribault 14,037 • self-employed professionals 119,577 • corporates 21,409 ATMs CIC Sud Ouest 599 Customer loans 476 Customer loans 21,551 Customer deposits 13,828 Managed savings 10,749 Simplified organisation chart CIC Retail banking network Private banking(1) 100% 100% 100% 100% 100% CIC Nord Ouest CIC Ouest CIC Sud Ouest CIC Est CIC Lyonnaise de Banque 100% 62.7% 100% 72.4% 100% CIC Banque Transatlantique Dubly Douilhet Banque CIC Suisse Banque de Luxembourg CIC Private Banking Banque Pasche 100% Private equity CM-CIC Capital Finance 100% 99.9% 100% 99.2% 54.1% CM-CIC Asset Management 23.5% CM-CIC Gestion CM-CIC Epargne Salariale CM-CIC Securities CM-CIC Bail CM-CIC Lease 95.5% 100% CM-CIC Factor (2) CM-CIC Aidexport Specialized businesses 20.5% Groupe des Assurances du Crédit Mutuel Insurance Shared services companies 12.5% No capital No capital Euro Information GIE CM-CIC Titres GIE CM-CIC Services (1) Private banking business is also conducted by CIC’s Singapore branch (in Singapore and via CIC Investor Services Limited in Hong Kong). (2) CM-CIC Factor (formerly Factocic) absorbed CM-CIC Laviolette Financement on 2 January 2012. The percentages indicated represent the percentage of control exercised by CIC within the meaning of Article L.233-3 of the French Commercial Code. Companies that are not controlled by CIC (less than 50% holding) are also held by Crédit Mutuel, as indicated opposite. They are thus controlled within the meaning of the same Article by the Crédit-Mutuel-CIC group. CIC comprises: • CIC (Crédit Industriel et Commercial), the holding company and bank that heads the CIC group. It is also the regional bank serving the Greater Paris region and houses the group’s investment, financing and capital markets activities; • five regional banks, each of which serves a clearly-defined region; • specialist entities and service companies serving the entire group. Crédit Mutuel shareholdings by business: Private banking Banque de Luxembourg: 27.6% Specialised businesses CM-CIC Asset Management: 76.5% CM-CIC Bail: 0.8% CM-CIC Lease: 45.9% CM-CIC Factor: 4.5% Insurance Groupe des Assurances du Crédit Mutuel: 79.5% Shared services companies Euro Information: 87.5% The strength of an international group 11 federations(1) Caisse Fédérale de Crédit Mutuel 93% Banque Fédérative du Crédit Mutuel (Banks 82% – ACM 18%) 6% Regional banks 93% (BFCM) and local banks Caisses de Crédit Mutuel CIC Nord Ouest Financial of the 11 federations Asset Management* • Bail* • Épargne Salariale* Gestion* • Factor* • Securities* • Titres* • Aidexport* BECM • Sofémo • Filaction • ESN • Home Loan SFH* Centre Est Europe Technology CIC Est CIC Ouest Ile-de-France Euro Information • EID - EIP • EIS - Sicorfé • EP Surveillance EIDS • ETS • Euro GDS • Euro P3C • Euro TVS EurAfric Information • IID / DPS • Keynectis • CardProcess NRJ Mobile • Axxès • EP Services Savoie-Mont Blanc Insurance Sud-Est CIC Sud Ouest CIC Lyonnaise de Banque Banca Popolare di Milano 100% GACM • ACM Vie SAM • ACM Vie SA • Sérénis Vie • ACM IARD Sérénis Assurances • ACM Services • Partners • RACC Seguros RMA Watanya • Astree • ICM Life • Procourtage Midi-Atlantique Centre 51% 50% Real estate Sarest* • Ataraxia* • SOPARIM* • SOFEDIM* • AFEDIM* Gestion immobilière* • Lease CMH Dauphiné-Vivarais Loire-Atlantique Centre-Ouest 20% 25% Asset management CIC Banque Privée • CIC Banque Transatlantique (France, Luxembourg, Belgium, Singapore, Montreal) • Banque de Luxembourg CIC Suisse • Banque Pasche • Dubly Douilhet Méditerranéen Normandie 5% 50% Private equity Anjou 100% CM-CIC Capital Finance • CM-CIC Investissement (SCR) 100% 100% 100% 100% 100% 6.60% CIC Iberbanco Cofidis Banque Casino Banque de Tunisie BMCE Bank Banco Popular TARGOBANK (Spain) 50% TARGOBANK (Germany) (1) Centre Est Europe; Sud-Est; Ile-de-France; Savoie-Mont Blanc; Midi-Atlantique; Dauphiné-Vivarais; Loire-Atlantique et Centre-Ouest; Normandie; Centre; Méditerranéen; Anjou. U.K. * CM-CIC subsidiaries United Kingdom Germany Belgium 1 France Luxembourg 2 Czech Republic Slovakia Switzerland 3 Hungary Portugal Italy Spain Morocco Tunisia 1 CM-CIC Bail Belgique – BT Belgium Cofidis – Partners (Insurance) 2 Banque de Luxembourg – BT Luxembourg ICM Life (Insurance) 3 CIC Private Banking – Banque Pasche Banque CIC (Suisse) International and specialist network Sweden and Scandinavia Israel Grev Magnigatan 6 SE - 114.55 Stockholm Tel: +46 8 611 47 11 E-mail: [email protected] Y.S. Consulting Beit Hatasiya (Industry House) 29, Hamered Street, 10th floor - Suite 1030 POB 50156 Tel-Aviv 61500 Tel: +972 3 517 22 71 E-mail: [email protected] Martine Wahlström Switzerland 29 avenue de Champel 1211 Geneva 12 Tel: +41 22 839 35 06 E-mail: [email protected] Nadine Johnson Turkey Suleyman Seba Cad. N° 48 BJK Plaza A Blok K:4 D:41 Akaretler 34357 Besiktas Istanbul Tel: +90 212 227 67 39 E-mail: [email protected] International network Europe Wilhelm-Leuschner Strasse 9-11 D 60329 Frankfurt am Main Tel: +49 69 97 14 61 01 E-mail: [email protected] Corso di Porta Vittoria, 29 20122 Milan Tel: +39 02 55 19 62 42 E-mail: [email protected] Algeria CIC Banque Transatlantique Belgique Rue de Crayer, 14 1000 Brussels Tel: +32 2/554 18 90 E-mail: [email protected] Yolande van der Bruggen Spain Calle Marquès de la Ensenada n°2-3 28004 Madrid Tel: +34 91 310 32 81/82 E-mail: [email protected] Rafael Gonzalez-Ubeda United Kingdom Veritas House 125 Finsbury Pavement London EC2A IHX Tel: +44 20 74 54 54 00 Ubaldo Bezoari Greece Vassileos Alexandrou 5-7 11528 Athens Tel: +30 210 72 22 531/541 E-mail: [email protected] Georges Anagnostopoulos Hungary Budapesti kepviseleti Iroda Fö utca 10 H-1011 Budapest Tel: +36 1 489 03 40 E-mail: [email protected] Kalman Marton Poland Ul Stawki 2 Intraco 29 p. 00-193 Warsaw Tel: +48 22 860 65 01/02/03 E-mail: [email protected] Barbara Kucharczyk Portugal Avenida de Berna n°30, 3° A 1050-042 Lisbon Tel: +351 21 790 68 43/44 E-mail: [email protected] Henrique Real Czech Republic Mala Stepanska 9 12000 Prague CZ Tel: +420 2 24 91 93 98 E-mail: [email protected] Zdenka Stibalova Romania Str. Herastrau nr.1, etaj 2 Apt. 6, Sector 1 011981 Bucharest Tel: +40 21 203 80 83 E-mail: [email protected] Adela Bota Russian Federation - CIS 9, korp. 2A Kutuzovskiy prospekt Office 93-94 121248 Moscow Russian Federation Tel: +7 495 974 12 44 E-mail: [email protected] Nikita Stepanchenko Blanche Ammoun Americas CIC Do Brasil Rua Fidêncio Ramos, 223 13 Andar - cj 132 CEP 04551 - 010 Sao Paulo SP Tel: +55 11 3846 2212 E-mail: [email protected] Africa Belgium and the Netherlands Achrafieh Rue de l’Archevêque Ghofrayel Immeuble Attar - rdc gauche Beirut Tel: +961 1 216 320 E-mail: [email protected] Brazil Italy Luigi Caricato Lebanon and Middle East Mehmet Bazyar Germany Christoph Platz-Baudin Jacob Shtofman 38 rue des Frères Benali (ex-Parmentier) Hydra 16000 Algiers Tel: +213 21 60 15 55 E-mail: [email protected] Ahmed Mostefaoui Egypt 28 rue Cherif Cairo 11-111 Tel: +20 2 23 93 60 45 E-mail: [email protected] Hussein M. Lotfy Morocco 12 boulevard Brahim Roudani Résidence Zeïna 1er étage - Appartement 102 20000 Casablanca Tel: +212 522 20 67 67/68 16 E-mail: [email protected] Mahmoud Belhoucine Tunisia Immeuble Carthage Center Rue du Lac de Constance 1053 Les Berges du Lac - Tunis Tel: +216 71 96 23 33/96 30 78 E-mail: [email protected] Emna Ben Amor – Dimassi Luiz Mendes de Almeida Chile Edificio World Trade Center Santiago Av. Nueva Tajamar 481 Torre Norte - Oficina 1401 Las Condes - Santiago de Chile Tel: +56 2 203 67 90 E-mail: [email protected] Sylvie Le Ny United States CIC 520 Madison Avenue New York, N.Y. 10022 Tel: +1 212 715 44 00 E-mail: [email protected] Steve Francis Mexico Andrés Bello n° 45 Piso 13A Col. Polanco 11560 Mexico D.F. Tel: +52 55 52 80 83 73 E-mail: [email protected] Middle East Olivier Soulard United Arab Emirates Venezuela Dubaï-Al Wasl-Sheikh Zayed road Dubaï National Insurance Building 1st floor - Office 106 Po Box : 16732 Dubai United Arab Emirates Tel: +971 4 325 1559 E-mail: [email protected] Centro Plaza - Torre A - Piso 12 Oficina 1 Avenida Francisco de Miranda Caracas Postal address: Apartado Postal 60583 Caracas 1060 Tel: +58 212 285 45 85/286 25 03 E-mail: [email protected] Blanche Ammoun Pierre Roger Asia East China/Shanghai Room 2005 Shanghai Overseas Chinese Mansion N° 129 Yan An Xi Road (w) Shanghai 200040 Tel: +86 21 62 49 66 90/69 27 E-mail: [email protected] Shan Hu North China/Beijing Room 310, Tower 1, Bright China Chang An Building N° 7 Jianguomennei Dajie Dong Cheng District Beijing 100005 P.R. Tel: +86 10 65 10 21 67/68 E-mail: [email protected] Wenlong Bian South China/Hong Kong 22nd floor, Central Tower 28 Queen’s Road Central Hong Kong Tel: +85 2 25 21 61 51 E-mail: cichongkong@ cichongkong.com Timothy Lo South Korea Samsug Marchen House 601 Il-San-Dong-Ku Jang-Hang-Dong-2-Dong 752 Goyang 410-837 South Korea Tel: +82 31 901 1225 E-mail: [email protected] Isabelle Hahn India A-31 Feroz Gandhi Marg Lajpat Nagar Part 2 New Delhi 110 024 Tel: +91 11 41 68 06 06 E-mail: [email protected] Mathieu Jouve Villard Indonesia Wisma Pondok Indah 2, Suite 1709 Jalan Sultan Iskandar Muda Pondok Indah Kav. V-TA Jakarta Selatan 12310 Tel: +62 21 765 41 08/09 E-mail: cicindonesia@ cicindonesia.co.id Japan Sun Mall Crest 301 1-19-10 Shinjuku Shinjuku-ku Tokyo 160 - 0022 Tel: +81 3 32 26 42 11 E-mail: [email protected] Frédéric Laurent Singapore 63 Market Street #15-01 floor Singapore 048942 Tel: +65 65 36 60 08 www.cic.com.sg E-mail: [email protected] Jean-Luc Anglada Taiwan 380 Lin-shen North Road 10 F (101 room) Taipei Tel: +886 2 2543 26 62/63 E-mail: [email protected] Specialist network France Private Banking CIC Banque Transatlantique 26 avenue Franklin D.Roosevelt 75008 Paris Tel: +33 1 56 88 77 77 www.banquetransatlantique.com Chairman and Chief Executive Officer: Bruno Julien-Laferrière Deputy Chief Operating Officer: Hubert Veltz Private equity CM-CIC Capital Finance 4-6 rue Gaillon 75002 Paris Tel: +33 1 42 66 76 63 www.cmcic-capitalfinance.com Antoine Jarmak – Pierre Tiers Carl Arnou Belgium Henri Wen Private Banking Thailand Banque Transatlantique Belgium Rue De Crayer, 14 1000 Brussels Tel: +32 2 626 02 70 E-mail: btb@ banquetransatlantique.be 496-502 Amarin Tower, 10th floor Ploenchit road, Lumpini Pathumwan Bangkok 10330 Tel: +66 2 305 6894 E-mail: [email protected] Banque Transatlantique Luxembourg 17 Côte d’Eich - BP 884 L 2018 Luxembourg Tel: +35 2 46 99 891 E-mail: [email protected] Didier Huard Switzerland Private Banking CIC Private BankingBanque Pasche 10 rue de Hollande Case Postale 5760 1211 Geneva 11 Tel: +41 22 818 82 22 E-mail: [email protected] Christophe Mazurier Banque CIC (Suisse) SA 13 place du Marché 4001 Basel Tel: +41 61 264 12 00 E-mail: [email protected] Thomas Müller – Philippe Vidal United States Private Banking Abhawadee Devakula United Kingdom CIC Banque Transatlantique 520 Madison Avenue New York, N.Y. 10022 Tel: +1 212 644 42 19 E-mail: btnewyork@ banquetransatlantique.com Vietnam Private Banking Pascal Le Coz c/o Openasia Consulting Limited 6B Ton Duc Thang Street, 1st floor District 1 Hô Chi Minh City Tel: +848 391 05 029 E-mail: [email protected] CIC Banque Transatlantique Hong Kong 125 Finsbury Pavement Private Banking Dai Tu Doan Viet Oceania Australia Suite 1 503, Level 15 Chifley Tower 2 Chifley Square Sydney NSW 2000 Australia Tel: +61 2 922 607 01 E-mail: [email protected] Lee Sutton Michel de Villenfagne London EC2A IHX Tel: +44 20 74 96 18 90 E-mail: btlondres@ banquetransatlantique.com Yves Pinsard Luxembourg Private Banking Banque de Luxembourg 14 boulevard Royal L 2449 Luxembourg Tel: +35 2 49 92 41 E-mail: [email protected] Pierre Ahlborn – Philippe Vidal CIC Banque Transatlantique 22/F, Central Tower 28 Queen’s Road Central Hong Kong Tel: +85 2 21 06 03 91 E-mail: bthongkong@ banquetransatlantique.com Juliette Michelon-Tang CIC Investor Services Limited 22nd floor, Central Tower 28 Queen’s Road Central Hong Kong Tel: +85 2 21 06 03 88 E-mail: [email protected] Timothy Lo Singapore Private Banking CIC Banque Transatlantique 63 Market Street #15-01 Singapore 048942 Tel: +65 62 31 98 80 E-mail: btsingapour@ banquetransatlantique.com Hervé Guinebert CIC Singapore 63 Market Street #15-01 Singapore 048942 Tel: +65 62 31 98 80 www.cic.com.sg E-mail: [email protected] Paul Kwek CIC, a French limited company (société anonyme) with share capital of €608,439,888 – 6, avenue de Provence - 75009 Paris Swift CMCIFRPP – Tel: +33 1 45 96 96 96 – Paris Trade and Companies Registry no. 542 016 381 Register of Insurance Intermediaries no. 07 025 723 (www.orias.fr) Bank governed by Articles L.511-1 et seq. of the French Monetary and Financial Code for transactions carried out in its capacity as an insurance intermediary May 2012 - Photos: Caroline Doutre www.cic.fr