BNP Paribas Personal Investors - BGL BNP Paribas Direct Invest
Transcription
BNP Paribas Personal Investors - BGL BNP Paribas Direct Invest
innovation advice Cortal Consors Leading European specialist in personal investing and online trading. Catering to more than 1 million customers Present in 3 European countries 3rd retail securities platform in France together with BNP Paribas Retail Banking Germany 576,890 clients 6,898,845 trades €18,605m assets under management 632 employees 7.6% revenues generated through innovation France 537,460 clients 3,094,300 trades €15,930m assets under management 632 employees 13.7% revenues generated through innovation Spain 8,755 clients 408,660 trades €85m assets under management 33 employees 26.9% revenues generated through innovation B*capital Portzamparc Investment company specialized in trading advice and active portfolio management services for affluent investors. The major shareholder in Portzamparc, a French specialist in small and mid cap companies. 25,390 clients 557,040 trades €4,660m assets under management 155 employees 9.9% revenues generated through innovation BNP Paribas Personal I interna loca Geojit BNP Paribas Indian brokerage firm and distributor of financial savings products in India and the Middle East. 534 branches in India Strong presence in the Gulf 576,430 clients 52,920,525 trades €2,245m assets under management 2,955 employees 27.9% revenues generated through innovation BNP Paribas Personal Investors Also present in Luxembourg and Singapore, providing financial services dedicated to an affluent clientele that includes both residents and expatriate communities. Luxembourg Investors national ations Figures as on 31st December 2010 3,675 clients 58,845 trades €355m assets under management 23 employees 21.8% revenues generated through innovation Singapore 370 clients 2,765 trades €125m assets under management 13 employees AdApt AND BE creative Olivier Le Grand Head of BNP Paribas Personal Investors More regulation is needed in finance, energy, raw materials and environment to save globalization. Banks will enforce in this decade Basel 3 regulations issued in December 2010. This will indirectly increase financialisation of the economy, with a widening of stock and bond markets to fund economic and sustainable growth in mature and emerged countries. BNP Paribas Personal Investors will accompany this evolution with highly professional advisors on financial markets, offering innovative web and smartphone services. New services will benefit direct investors and institutional partners, especially BNP Paribas companies for the next two years. Within BNP Paribas, Personal Investors will provide order routing services to BNP Paribas Fortis clients in Belgium and to BGL BNP Paribas clients in Luxembourg; the retail securities platform launched together with BNP Paribas French Retail business line early 2011 will be proposed to new partners; BNP Paribas Wealth Management clients will be accompanied with valuable web and execution services, thanks to Personal Investors know-how. Brokerage services will support Retail, Investment Solutions and Corporate Investment Bank divisions in Europe and in Asia. These projects will require important investments in online information and technology. Along with our Executive Committee, I have great confidence in the commitment and creativity of our teams to make investors happier and more long-term oriented, thanks to efficient services and expert advice. who are we? Investment Solutions, the division of BNP Paribas to which BNP Paribas Personal Investors belongs, provides a complete portfolio of integrated solutions for investors, be they private or institutional clients. It groups businesses active in gathering, managing, growing, protecting and administering savings and assets. BNP Paribas Personal Investors provides financial investment advice and brokerage services to affluent clients in Europe and Asia. BNP PariBas retail Banking Investment Solutions* Corporate investment Banking BNP PariBas PersoNal iNvestors Cortal Consors B*capital Portzamparc Geojit BNP Paribas BNP Paribas Personal Investors 3D effect on pages 16, 18, 20, 22 * 6 business lines within Investment Solutions, of which BNP Paribas Personal Investors. Hugues Colmant Deputy Head of BNP Paribas Personal investors and Ceo, Cortal Consors Germany Sandrine Ferré Head of Corporate social responsibility and Communications, BNP Paribas Personal investors Kai Friedrich Deputy Ceo, Cortal Consors Germany C.J. George Ceo, Geojit BNP Paribas Benoît Gommard Ceo, Cortal Consors France Executive Committee our values Ambition Focusing on client satisfaction, expanding into new markets Commitment Fair advice tailored to demanding investors Stefan Groening Head of Markets and Products, BNP Paribas Personal investors Olivier Le Grand Head of BNP Paribas Personal investors Philippe Nahum Head of Global Financial advice, BNP Paribas Personal investors and Ceo, B*capital Sophie Reversac Head of Finance and Development, BNP Paribas Personal investors Louis Rouvrais Cio, BNP Paribas Personal investors Responsiveness Proactive adaptation to local markets and changing customer needs Creativity New investment instruments, pioneering online tools, innovative financial solutions Ethics Compliance, Corporate Social Responsibility BNP Paribas Personal Investors Recognition 2010 Figures as on 31st December 2010 key figures 2,575,340 Client Accounts* 546 Investment Shops* 4,289 Employees* At the Euro Finance Week, Cortal Consors Germany was elected “best” in the categories “Web 2.0” and “Mobile Banking”. Brokerwahl.de, Germany’s top broker poll, named Cortal Consors Germany “N° 2 Online Broker of the Year” as well as “best futures and daytrade broker”. The readers of Börse am Sonntag, a German brokerage magazine, designated Cortal Consors Germany as “the best Online Broker”. At the Paris Investment Forum, Cortal Consors France won the “Innovation Award” for hopee.fr, the 1st brokerage community in France. Novamétrie, a market research company, conducted a survey of journalists that ranked Cortal Consors France N° 1 in terms of image and efficiency of the press department. The readers of MoneyWeek, a French weekly financial magazine, designated Cortal Consors France as “the N° 2 Online Broker”. At the 12th International Business Summit and Research Conference Inbush (International Business Horizon) held in India, Geojit BNP Paribas won the “Amity Corporate Excellence Award for Best Financial Firm”. The “Manager of the Year” award was conferred upon Mr. A Balakrishnan, Chief Techonology Officer at Geojit BNP Paribas by the Kerala Management Association in India. In the year end special issue of the Economic Times Newspaper, Geojit BNP Paribas was listed as one among “7 Brands that Emerged” in the past decade in India. In Moneylife Magazine’s “Top 100 Wealth Creators of the decade”, Geojit BNP Paribas was ranked 29th. At the 4th Annual CNBC-TV18 Financial Advisors Awards ceremony, Barjeel Geojit Securities won the “Financial Advisor Award 2010” in the Non-Resident Indian (NRI) category. +53% +60% Net collection Net Banking income (€M) asset Gathering* (Gross long term collection) (€Bn) 60 36 earnings before tax (€M) assets under Management (€Bn) * Geojit BNP Paribas at 100% revenues generated through innovation 63,383,925 4 345 earnings before tax 11% Number of executed trades* 72 Brokerage Flow (€Bn) Global StrateGy of BNP PariBas Perso ComPRIsEs 4 kEy ElEm 1 Increase client assets by providing financial guidance and an extensive range of products and services 2 Provide innovative solutions through new technologies The global strategy of BNP Paribas Personal Markets & Products provides investment solutions adapted to customer needs and different countries: ¨ delivering common investment strategies and ideas ¨ responding quicker to market products and services ¨ fostering knowledge and innovation accross all BNP Paribas Personal Investors entities ¨ coordinating client segmentation and business intelligence processes ¨ educating and providing guidance tools and techniques to help clients master the risk impact linked to financial decisions Web & Mobile intelligence aims at: ¨ positioning “Web & Mobile” as key channel for BNP Paribas Personal Investors ¨ creating and sharing vision of the main digital developments and their impact on Personal Investors entities ¨ coordinating the definition and implementation of the “Web & Mobile” procedures for Personal Investors entities Nal iNvestors ENts 3 Heighten expansion in non-mature markets 4 Boost partnerships with other BNP Paribas companies Investors is backed by four “Central Missions” to accomplish common goals. individual career ManageMent asia coordination within the company’s CSR policy, aims to widen career opportunities by: ¨ understanding employees’ expectations through individual meetings ¨ encouraging mobility within BNP Paribas Personal Investors and BNP Paribas ¨ developing management skills through 360° assessments aims at: ¨ reinforcing partnerships with existing BNP Paribas entities in Asia ¨ seeking growth opportunities in Asia ¨ exploring new markets with high savings potential IN germaNY Cortal Consors Germany has introduced various working groups aimed towards integrating CSR aspects into its general strategy and operational processes. P rime examples of the ongoing environmental initiatives undertaken by Personal investors include: ¨ www.investissons-utile.fr: a dedicated Csr website featuring initiatives undertaken by BNP Paribas Personal investors entities. this not-for-profit website shows the relationship between a financial investment and its social utility. ¨ Carbon assessments: Cortal Consors Germany conducted its 2nd carbon assessment and reduced its emissions by half between 2007 and 2009. Furthermore, the conversion of physical servers to virtual servers lessened the electricity consumption by 13% in 2010. Cortal Consors France successfully implemented its 3rd carbon assessment showing a 3% decline in its carbons emissions in 2010. ¨ “Green Rating” of more than 400 funds invested in european stocks gives investors a further selection criterion in addition to standard information on performance. ¨ 6 “Useful Investing” operations that aim to: - raise client awareness on sustainable development actions - provide investments in sustainable financial products - finance environmental projects since 2006, these operations have helped to fund projects in Chile, Cambodia, india and africa, in collaboration with GoodPlanet Foundation, in order to reduce greenhouse gas emissions. The “Career and Family” working group implements actions to help employees strike a balance between their professional and personal lives. Cortal Consors Germany obtained a certification from the “Hertie Stiftung” foundation for its level of commitment in this field. The 2nd working group integrates sustainability aspects in the core business of Cortal Consors. To explain the concept of sustainable and responsible investing, Cortal Consors introduced a dedicated CSR information area on www.cortalconsors.de offering investment alternatives for clients seeking to invest responsibly. Cortal Consors provides ongoing support to ¨ “Börsianer Handeln”: primary schools and kindergartens for 1,500 children in Bolivia ¨ “Schlupfwinkel”: basic amenities and psychological support for needy children and adolescents. CorporAte social resPoNsiBilitY (csr) IN fraNce IN iNdia Cortal Consors France and B*capital launched their 6th Useful Investment scheme. Clients could invest online in a selection of stocks via B*capital or in funds with reduced entry fees via Cortal Consors. 2% of the total amount of money collected was donated to the non-profit organization GoodPlanet to fund a sustainable development project in Mali. The Useful Investing program also raised funds in Germany and Luxembourg. Geojit BNP Paribas - Rajagiri Outreach has supported the education of 450 underprivileged children in 4 villages in Kerala for the last five years, while 1,000 children in urban slums have been taught life skills by employee volonteers in collaboration with NANMA, a non-governmental organization. Cortal Consors and B*capital committed to the 10:10 global initiative launched in France by GoodPlanet. 10:10 inspires and supports people and organizations to cut their carbon emissions by 10% per year. To support this initiative, several internal events each month were organised within Cortal Consors: mobile phone recycling campaign, distribution of eco-behavior guides, electric cycles for employees’ day-to-day use and sale of organic fruits. Cortal Consors supports Babyloan, an online microcredit platform. Users have the opportunity to lend money to micro-entrepreneurs who wish to start a business in order to better support their families living in precarious conditions. IN luxemBourg Green World 95%, a certificate issued by BNP Paribas that promotes investment in “green” and “eco-friendly” companies, was launched by BNP Paribas Personal Investors. 1% of the total amount of money collected was donated to GoodPlanet Foundation. In a stampede at Sabarimala, a pilgrimage center in Kerala, Geojit BNP Paribas set up a 24/7 helpdesk at the Customer Care department in Kochi to disseminate information on the dead, wounded and missing pilgrims. Employees also volunteered assistance at the site of the incident and in nearby hospitals. Geojit BNP Paribas, aided by employees, serves food to patients in the Kochi Government Hospital. For the last ten years, BNP Paribas Personal Investors has remained committed to socially and environmentally responsible action. The Human Resources policy firmly reflects its corporate ethics by: implementing deontological rules related to clients and markets Guaranteeing non-discrimination in the work place, employment for the disabled expanding use of video conferencing, reducing professional travel “Greening” the company car fleet Using recycled paper and ecological printing Developing management skills through 360° assessments innovation 4 2010 8.5 % % 12 % 8 % innovation n°1 moBIlE APPlICAtIoN Trading online, for investors on-the-move Geojit BNP Paribas was the 1st broker in india to launch Mobile trading, an important tool for Non-resident indians based in different time zones. Mobile trading empowers clients allowing them to place and track orders on a real time basis. the 1st iPhone application for real time mobile trading was launched by Cortal Consors Germany and France. Clients can monitor market prices or place orders on a real time basis while being on the move (train, public transport…) or under limited connectivity conditions. Cortal Consors spain also offers the Mobile trader platform accessible via all smartphones. innovation n°2 GolD oNlINE Cortal Consors was the 1st broker in France to offer investors the opportunity to purchase physical gold 24/7 on the internet. Clients wishing to diversify their investment portfolio can purchase gold either in the form of napoleon coins or gold bars as easily as any other financial product. Pioneer in online gold offer innovation n°3 hopee “Hopee.fr”, the 1st brokerage community that offers incisive stock recommendations, analysis and tips from individuals or professional investors was launched by Cortal Consors. Contrary to other financial blogs and forums, all recommendations shared by investors on www.hopee.fr are ranked so as to provide transparent and reliable information related to each member’s advice. Eight months since its launch, “hopee.fr” already boasts a network of more than 30,000 members in France at the end of 2010. “Cortal Consors Sharewise” in Germany shall soon adopt the brand name “hopee.de” and in Spain, the community will be introduced as “hopee.es”. First brokerage community for investors innovation n°4 smart stops An intelligent tool for intelligent investments Cortal Consors Germany and France launched SmartStops to help protect gains and limit losses for investors in an intelligent way. SmartStops generates stop-loss-signals on a daily basis for around 500 securities. Investors have the ultimate choice to decide whether or not to place a SmartStop on a particular stock. SmartStops provides intelligent risk management in the short or medium term. Cortal Consors Germany and France also offer clients the facility to trade faster by placing orders directly on the graph via the drag and drop feature. Cortal Consors oNliNe BrokerAge AND sAvINGs INvEstmENt Wherever, WheNever Cortal Consors, a European leader and specialist in online brokerage and savings investment, provides expert financial advisory services to more than a million customers. It offers a wide array of short- and long-term investment products tailored to best suit client needs. germaNY Renowned as a direct bank specialized in online brokerage and savings, Cortal Consors Germany serves mostly self directed clients. With a wide variety of tools and services, Cortal Consors enables investors to make their own investment decisions. It offers fair and personal advice on “open architecture” financial products and services, as per clients’ expectations and requirements. ¨ Vast choice of ETFs: To respond to the growing popularity of Exchange Traded funds (ETF’s), Cortal Consors includes ETF’s of major fund providers to its wide spectrum of 10,000 investment funds. ¨ Fee based advisory services: To provide enhanced transparency to clients, Cortal Consors Germany introduced the Fee based advisory service, contrary to the traditional commission based model. In this model, portfolio based commissions are refunded to clients and no entry fees is charged on funds. Clients solely pay for the volume of advisory services received each year, thus providing them with fair advice in an unbiased way. 576,890 7.6% 18,605 Clients revenues generated through innovation assets under Management (€M) www.cortalconsors.de fraNce Cortal Consors, the “specialist” in savings and online brokerage, aims to focus on: ¨ Professional and personal advice through education and direct contact with a financial advisor. Free online interactive training sessions “Webinars” are offered to clients and prospects on financial topics. These virtual seminars help investors to exchange and dialogue with a financial expert without any geographical constraints. ¨ Product simplicity and easy accessibility via state-of-the-art technology (telephone, internet and mobile). The 1st iPhone application for real time mobile trading in France was launched by Cortal Consors. Clients can monitor market prices or place orders on a real time basis while being on the move (train, public transport…). ¨ Innovative products and services like “hopee.fr”, the 1st brokerage community that offers stock recommendations from investors ranked by a scoring system. www.cortalconsors.fr sPaiN Within BNP Paribas in Spain, Cortal Consors is the specialist in internet brokerage providing direct market access to equities and offering economic and strategic analysis to retail as well as institutional clients. It enjoys a strong presence in the Spanish online trading market. For retail clients, the “Mobile Trader” application for smartphones has experienced a significant growth since its launch in January 2010. Services for Corporate and Institutional clients Thanks to the integration of Fortis team, Cortal Consors Spain caters to both Corporate and Institutional clients. Becoming a reference in order routing services in the national market, it also provides access to the major international exchanges offering a wide spectrum of institutional brokerage services. Customers have access to daily and weekly macroeconomic and technical analysis. www.cortalconsors.es 537,460 13.7% 15,930 Clients revenues generated through innovation assets under Management (€M) 8,755 26.9% 85 Clients revenues generated through innovation assets under Management (€M) Figures as on 31st December 2010 B*Capital / portzamparC expertise to Magnify investMents B*capital, an investment company, offers direct access to a complete range of markets (equities, derivatives, bonds), providing financial analysis as well as customized advice and portfolio management. B*capital holds a 51% stake in the renowned French stockbroker Portzamparc, specialist in small and mid cap businesses. F or investors wishing to make their own investment decisions, B*capital offers them the services of an experienced financial advisor. This personal contact helps the advisor adapt to clients’ requirements and find the solution best suited to each. For those who seek help in portfolio management, B*capital provides a dedicated portfolio manager offering tailor-made service. Portzamparc Portzamparc offers sale, trading and order routing services for institutional clients, financial operations for small and mid caps and market-making services for corporate clients. The combined expertise and know-how of B*capital and Portzamparc complementary businesses helps to better serve clients. a wide array of services for active clients ¨ access to options and futures with the support of a dedicated professional team ¨ in-depth research in structured products ¨ advice and trading from 8am to 10pm ¨ open architecture of mutual funds international services B*capital’s expertise is available to BNP Paribas Personal Investors’ clients in Germany, France and Luxembourg. www.b-capital.com www.portzamparc.fr 25,390 4,660 9.9% Clients revenues generated through innovation Figures as on 31st December 2010 assets under Management (€M) Geojit Bnp pariBas reACHiNg out to stRENGthEN investMents Geojit BNP Paribas is a leading Indian retail brokerage firm with a strong presence in the Gulf. It is listed on both the National (NSE) and Bombay (BSE) Stock Exchanges. G eojit BNP Paribas provides a multichannel service through its local branches, Call Centres, Internet and Mobile trading. By end 2010, it boasts a network of 534 branches throughout India, which is rapidly expanding each year. Geojit technologies (P) ltd is a subsidiary of Geojit BNP Paribas Financial Services Ltd. and the “Global Sourcing” Partner of BNP Paribas Personal Investors. Geojit Technologies is engaged in Software development and services with special skills in Order Management and Market Data Systems. It has implemented its core trading engine in India, Oman and Saudi Arabia and launched the FLIP Me (Mobile Edition of the Trading System FLIP) in India, Oman and Saudi Arabia in 2010. Geojit BNP Paribas joint ventures and business associations in the Middle East provide complete investment solutions to NRIs (Non-Resident Indians) and local investors. Barjeel Geojit securities l.l.C clients can trade and access the Indian and International capital markets and mutual funds in Dubai, Abu Dhabi, Ras Al Khaimah, Sharjah, and Muscat. aloula Geojit Capital, headquartered in Saudi Arabia, offers investment solutions to clients, including NRIs, both in the local and international markets in Riyadh and Damman. Bank of Bahrain and Kuwait, through its business association with Geojit BNP Paribas, offers its NRI clients in Bahrain, multiple investment solutions and services in the Indian capital market. www.geojitbnpparibas.com www.barjeelgeojit.com 576,430 2,245 27.9% Clients revenues generated through innovation Figures as on 31st December 2010 assets under Management (€M) Bnp pariBas personal investors Best-iN-ClAss PRoDuCts foR AN iNterNatioNal clieNtele BNP Paribas Personal Investors provides flexible and upscale services to optimize its client investments, residing in or outside of Luxembourg and Singapore. lUXemBoUrG For the past 17 years, BNP Paribas Personal Investors in Luxembourg has been offering top-of-the-range services and products in open architecture to an affluent international clientele (residing in or outside of Luxembourg) searching for flexibility in managing their wealth through a multi-channel approach: Internet, phone or face-to-face. Following its integration within BGL BNP Paribas, Personal Investors also offers its expertise in stock markets to retail banking clients. 3 types of tailor-made services (Investors, Advisory and Portfolio Management) are offered, depending on the way clients wish to manage their multi-currency investments. BNP Paribas Personal Investors has developed expertise in the management of financial assets for expatriates. A dedicated Internet site for expatriates now serves them at www.thebankforexpats.com as well as a tailor-made package: Expat Investors. A turn-key solution has also been developed for international Human Resources mobility managers and their companies thus facilitating the management of salary payments in multiple currencies. 3,675 Clients 355 assets under Management (€M) 21.8% revenues generated through innovation www.bnpparibas-personalinvestors.lu sinGapore BNP Paribas Personal Investors, a department of BNP Paribas Wealth Management Singapore branch, serves affluent individuals and offers them access to premium investment opportunities. Dedicated relationship managers provide highly personalized advisory services to ensure optimum solutions for each client. By leveraging on BNP Paribas Wealth Management Singapore Branch and BNP Paribas Personal Investors Luxembourg, BNP Paribas Personal Investors seeks to provide tailored investment solutions to local individuals and expatriates. While most competitors rely on their retail bank to serve their affluent clients, BNP Paribas Personal Investors has chosen to bring a Wealth Management platform to this segment. This has allowed Personal Investors to start up quickly in a new market, while also creating cost synergies and cross-selling opportunities. Thanks to this unique model, clients benefit from a much wider range of products and personalized services adding value to clients. 370 Clients 125 assets under Management (€M) www.bnpparibas-personalinvestors.sg Figures as on 31st December 2010 partnerships Germany FranCe “Professional Partners” in Germany broadened its offer of services, increasingly proposing solutions to pools, liability roofs and financial sales organizations leading to a marked increase in the volume of assets managed for clients. The B2B2C business line in France is designed to serve investment companies, banks, asset management firms and independent financial advisors. Thanks to the support of the Professional Partners’ Team, fund advisors and independent asset managers can benefit from attractive interest rates and current accounts as an alternative to traditional bank. In addition, the portfolio management software system (CPMS) has been further developed with partners’ feedback to provide advanced technology-driven options. Through the combined efforts of Cortal Consors, B*capital and Portzamparc, the B2B2C service offers vast technical know-how in account-keeping services, automated order execution and back office sub-contracting. Partners have the option to choose such a flexible solution under white-label or co-branding. BNP Paribas Wealth Management and Cortal Consors Germany have pooled expertise in a joint venture offering tailor-made solutions to wealthy clients in Germany. It also ensures a wide repertoire of savings products and stock advisory (mutual funds, life insurance, portfolio management, savings accounts, etc.). At end March 2011, more than 50 partners rely on B2B2C services which represent 106 billion euros of assets under custody. inDia lUXemBoUrG Geojit BNP Paribas has ongoing agreements with prominent private sector banks, City Union Bank and South Indian Bank. Based on these agreements, the bank’s clients can continue to trade via integrated 3 in 1 accounts: Geojit BNP Paribas online trading account plus Savings and Demat accounts with the bank. B2B partnerships also continue with Federal Bank. Alongside the offer for direct clients, a “Professional Partners” team offers BNP Paribas Personal Investors Luxembourg expertise to third-party portfolio managers, Independent Financial Advisors and their clients. The team strives to provide tailored investment solutions and quality administrative support to best meet their clients’ needs and expectations. BNP Paribas Securities India (P) Ltd, the joint venture between Geojit BNP Paribas and BNP Paribas for Institutional brokerage, is India’s 1st brokerage firm to offer full Direct Market Access on the NSE to institutional clients. Tel. : +33 1 55 76 11 11 • 10325 – Photo credits: ©Jean Chiscano, Matton images, Aaron Amat/Fotolia, Monkey Business/Fotolia, Goodluz/Fotolia, Amélie Laurin, PhotoAlto, PhotoDisc Volumes. 3D effects: © fine by me. Design and production: contacts Communications Sandrine Ferré / +33 1 47 38 94 47 Priyanka Bahl / +33 1 47 38 96 52 cortal coNsors Germany Bahnhofstraße 55 90402 Nürnberg Tel. +49 911 369-0 www.cortalconsors.de Communications and Partnership: Dirk Althoff /+49 911 369 1709 Clients: +49 911 369 0 France 24, rue des Deux Gares 92855 Rueil Malmaison Cedex Tel. +33 1 47 38 93 00 www.cortalconsors.fr Communications: Priyanka Bahl / +33 1 47 38 96 52 Clients: Franck Beretta / +33 1 47 38 95 55 Partnership: Tania Letsis / +33 1 47 38 93 90 Spain Calle Ribera del Loira 28 4ª Planta 28042 Madrid Tel. +34 91 209 50 50 www.cortalconsors.es Communications: Juan Briz (BNP Paribas) / +34 91 388 80 42 Clients and Partnership: Raúl Sánchez / +34 91 209 60 19 B*caPital 21, boulevard Haussmann 75009 Paris France Tel. +33 1 40 17 50 00 www.b-capital.com Communications: Priyanka Bahl / +33 1 47 38 96 52 Clients: Frédéric Biraud / +33 1 40 17 59 30 PortZamParc 13, rue de la Brasserie BP 98653 44186 Nantes Cedex 4 France Tel. +33 2 40 44 94 00 www.portzamparc.fr Clients: Damien Rahier (corporate) / + 33 2 40 44 94 67 Xavier de L’Espinay (private and individual) / + 33 2 40 44 94 01 Printed on PEFC-certified paper sourced from sustainably managed forests. geojit BNP PariBas fiNaNcial services ltd 5th Floor, Finance Towers Kaloor Kochi 682017 – India. Tel. +91 484 240 55 01 www.geojitbnpparibas.com Communications: Sarita Jijo / +91 484 240 55 01 Clients: +1800 425 55 01 (toll free) Barjeel geojit securities l.l.c Suite 403 United Bank Ltd. Building Khalid Bin Waleed Street Bur Dubai – United Arab Emirates Tel. + 971 435 559 00 www.barjeelgeojit.com Communications / Clients: Krishnan Ramachandran / +971 435 559 00 BNP PariBas PersoNal iNvestors Luxembourg 27 avenue Monterey L-2163 Luxembourg Tel. +352 25 37 25 37 www.bnpparibas-personalinvestors.lu Communications: Adel Nabhan / +352 25 37 25 37 35 Clients: Guillaume Passebecq / +352 25 37 25 37 Singapore 20 Collyer Quay 18-01 Tung Centre Singapore 049319 Tel: +65 6210 3911 www.bnpparibas-personalinvestors.sg Communications: Gaël de Belair +65 6210 1858 Clients: Joseph Tan +65 6210 3945 www.bnpparibas-personalinvestors.com BNP PARIBAS PERSONAL INVESTORS 24, rue des Deux Gares 92855 rueil Malmaison Cedex – France tel: +33 (0)1 47 38 93 00 Cortal Consors s.a registered seat: 1, boulevard Haussmann 75318 Paris Cedex 09 – France Public limited Company under French law, registered Capital: €57,552,960 327 787 909 rCs – Paris