Contents. BIL presents itself. Corporate & Institutional Banking - CIB. CIB - Innovative Products for SMEs. CIB Contacts

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2 Contents BIL presents itself Corporate & Institutional Banking - CIB CIB - Innovative Products for SMEs CIB Contacts 2

3 BIL presents itself

4 BIL presents itself Founded in 1856, BIL is the oldest bank in Luxembourg Shareholders are Precision Capital and the Grand Duchy of Luxembourg Precision Capital is a Bank Holding Company incorporated in Luxembourg and is subject to the supervision of the Commission de Surveillance du Secteur Financier and the European Central Bank BIL represents a strategic and long-term investment for Precision Capital Precision Capital s paid up capital is EUR 1.7bn after the acquisition of BIL Precision Capital is represented on BIL's Board of Directors The Grand Duchy of Luxembourg views BIL as a bank of systemic importance and will contribute to consolidating BIL s position as a strategic player in the financial services sector (1) The Grand Duchy of Luxembourg is one of the two countries in the Eurozone still enjoying a AAA rating assigned by S&P, Fitch and Moody s The Grand Duchy of Luxembourg is represented on BIL's Board of Directors #3 bank in Luxembourg with a full service coverage through 40 branches (1) Please refer to BIL press release dated 5 October 2012 : Precision Capital and the Grand Duchy of Luxembourg announce the closing of the acquisition of Banque Internationale à Luxembourg (BIL) 4

5 BIL presents itself Strategic vision BIL2020 BIL focuses on bringing relevant and innovative financial services to its clients to be an universal bank even more solidly anchored in the Luxembourg market, able to distinguish itself by the excellence of its products and services, all the while being active on selected international markets in the field of private banking and wealth management. Solid with its strong foundation and the support of its new shareholders, Precision Capital and the Grand Duchy of Luxembourg, BIL anticipates long-term growth from revenues generated in Luxembourg and in certain strategic international markets. This growth will be driven principally through the sustained development of commercial activities with long-term value creation by empowered individuals and teams. More than ever, BIL and its multidisciplinary teams are mobilising and devoting all their efforts towards attaining a single overriding goal: complete customer satisfaction. 5

6 BIL presents itself BIL Key Data June billion euro Assets under Management +6.5% compared with billion euro Loans +5.7% compared with billion euro Deposits +6.3% compared with million euro 40 #3 in Luxembourg (market share) Point of services in Luxembourg 20.9 billion euro Best Bank in Luxembourg 13.11% CET 1 (Transitory rules) Net Income before tax BIL Group +38% compared with 2014 Total balance Sheet BIL group 15.77% Tier 1 6

7 BIL presents itself 4 Commercial activities one Bank Our client at the heart of our organization A privileged partner One-stop shopping offer Retail Banking Private Banking CLIENT Corporate & Institutional Banking Treasury & Financial Markets 7

8 Corporate & Institutional Banking - CIB 8

9 Corporate & Institutional Banking - CIB CIB - Customer Approach CIB S COMMITMENT TO ITS CUSTOMERS BIL s objective is to become a strategic partner of your business and to develop a customized and lasting relationship. Therefore BIL offers: Dedicated Relationship Managers (acting as SPOC) with a strong interest in the national economy A team of multilingual and multicultural experts open towards the European markets, A spirit of initiative and proactiveness fueled by a short decision circuit based in Luxembourg, The intention to innovate and to provide tailored solutions to meet your daily challenges. BIL s Internal Market Segmentation by Revenues/Sales generated by companies (or provisional Sales in case of a newly created firm). < 2 mios > 2 mios et < 8 mios > 8 mios et < 50 mios > 50 mios et < 250 mios > 250 mios BIL Branches with Corporate Centers* SME (BIL HQ) or Branch Mid. Corp. (BIL HQ) Corporates (BIL HQ) Large Corporates (BIL HQ) *Luxembourg City (x2), Dudelange, Esch-Belval, Ettelbruck, Findel, Grevenmacher, Strassen & Weiswampach 9

10 Corporate & Institutional Banking - CIB CIB Product & Service Offer Current operations Cash Management Cash Collection Solutions Electronic Banking Employee Packages Wealth Management Current accounts Credit/Debit Cards Forex operations Safes Cash pooling Term deposits BIL Cash+ POS Terminal Night Deposits SDD Domiciliations BILnet MultiLine Swift Pro One / World BIL Company Private Wealth Management of Company owners/leaders Short-term financing Long-term financing Bank guarantees Leasing (BIL Lease SA) Overdraft facilities Money Market Discounting + Factoring Investment Loans M&A Projects Debt restructuring Desintermediated Financing Rental guarantees Payment guarantees Performance bonds etc. Rolling stock IT Hardware Office furniture Machines & tools of exploitation Horesca equipment 10

11 CIB Innovative Products for SMEs

12 CIB Innovative Products for SMEs Financing the Entrepreneurial Life Cycle (classic banking) Profitability Maturity Expansion Idea Valley of Death Start-up Early growth Break-Even Time Prototype Proof of Concept Gov. Sources, F&F Venture Capital M&A / IPO Financing Self Angel Investors Commercial Banks BIL 12

13 CIB Innovative Products for SMEs BIL START Your business startup partner BIL START is the all-in-one solution for ensuring entrepreneurs success through a personalized support until the financing for their business has been secured. A TEAM OF EXPERTS AT YOUR SERVICE BIL START specialists provide expert coaching and guide entrepreneurs through all the steps involved in setting up their business: They will analyze the business plan; They will listen to needs and explain the different types of legal forms for businesses; They will assist with all administrative procedures; They will explain the various types of government assistance that is available; They will detail the many support and advice initiatives available in Luxembourg; They will introduce the customers to the country s numerous entrepreneurial platforms and business incubators aimed at innovative companies. 13

14 CIB Innovative Products for SMEs BIL START Your business startup partner SPECIAL BANKING PACKAGE FREE OF CHARGE* For a one-year period, entrepreneurs will benefit from a free BIL START account to simplify day-to-day management. Included in BIL Start: account statements 1 debit card 1 credit card (Visa Business) 1 LuxTrust certificate (Token, Smartcard or Signing Stick) Unlimited electronic transfers (eurotransferts) EASIER ACCES TO FINANCE Facilitate access to finance solutions and help to complete all applications for loans or assistance from government bodies, mutual societies, etc. Entrepreneurs will also benefit from preferential borrowing terms and conditions developed in close co-operation with BIL s co-financing partners. * Eligibility criteria for BIL Start: your first business, operating company (no older than 6 months). After one year, you will automatically be switched to BIL Pro One (EUR 50 per quarter). Bank cards will only be provided once your application has been approved. Financing your projects: the terms and conditions depend on the guarantees provided and the purpose of the loan. The definitive applicable rate can only be determined following submission of an application. The granting of a loan is subject to the bank s prior approval. The preferential terms of this offer may not be combined with other preferential terms or special conditions available in respect of any special offers. This document has been drawn up on the basis of the fee schedule applicable in October It is subject to change. 14

15 CIB Innovative Products for SMEs Financing the Entrepreneurial Life Cycle (with START) Profitability Maturity Expansion Idea Valley of Death Start-up Early growth Break-Even Time Prototype Proof of Concept Gov. Sources, F&F Venture Capital M&A / IPO Financing Self Angel Investors Commercial Banks BIL START BIL 15

16 CIB Innovative Products for SMEs INNOVFIN SME GUARANTEE The InnovFin guarantee introduced by the EIF (European Investment Fund) allows BIL to provide support to innovative companies, as well as traditional companies undertaking innovative projects in Luxembourg and the Greater Region. BIL loans granted to eligible SMEs or Small Mid-caps under InnovFin will have 50% of their value guaranteed by the EIF, thus allowing the innovative company to receive a better interest rate. Operations concerned include: Financing tangible or intangible assets, Financing working capital, Financing a business transfer. These loans are granted as part of the InnovFin EU Finance for Innovators programme, which receives financial support from the European Union through financial instruments linked with the Horizon 2020 initiative. 16

17 CIB Innovative Products for SMEs INNOVFIN Key eligibility criteria MAIN CRITERIA The company is: an SME with fewer than 250 FTE (Full-Time Equivalent) staff and turnover under EUR 50 million or a total balance sheet under EUR 43 million; a Small Mid-cap with fewer than 499 FTE staff. The transaction amount is between EUR 25,000 and EUR 7,500,000.- The term of the transaction is between 1 and 10 years. The company is based in Luxembourg or in the Greater Region. INNOVATION CRITERIA Companies must meet at least one of the criteria set by EIF: e.g. loan purpose is to develop a patent registered in the last 24 months, the company has been awarded an R&D or Innovation prize provided by the European Union in the 24 last months LOAN DECISION-MAKING TIMES Two to three weeks following receipt of a complete application. 17

18 CIB Innovative Products for SMEs Financing the Entrepreneurial Life Cycle (with START and INNOFVIN) Profitability Maturity Expansion Idea Valley of Death Start-up Early growth Break-Even Time Prototype Proof of Concept Financing Gov. Sources, F&F Venture Capital M&A / IPO Self Angel Investors Commercial Banks BIL START BIL BIL INNOVFIN SME GUARANTEE 18

19 CIB Contacts

20 CIB Contacts Corporate & Institutional Banking (CIB) Marcel LEYERS Corporate Banking Tom LESSEL Large Corporates Pub. & Proj Fin. Jeffrey DENTZER Financial Institutions Serge WEYLAND Corporate Finance Daniel HAAG SME Raoul SCHMIT Mid. Corp. & Corporates Christian STRAUS WM Entrepreneurs & Self-empl. Prof Marc PAFFENHOLZ Real Estate Desk Georges MINES 20

21 CIB Contacts Jeffrey DENTZER Head of Large Corporates, Public & Project Finance T: F: Frank HOLLERICH Stéphanie CAMPORESI Johny BASHER Paul FALTZ SME Mid Corp Corporates Large Corporates T: T: T: T: F: F: F: F: DISCLAIMER - The information contained in this document is provided purely for information purposes. BIL may not be held responsible for the use of this information and of its direct or indirect consequences. 21