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BONJOUR ! YVES DRIEUX CEO BNP PARIBAS POLAND Jeudi, 23 Janvier, 2003

BONJOUR ! YVES DRIEUX CEO BNP PARIBAS POLAND Jeudi, 23 Janvier, 2003. Why foreign banks are investing in Poland?. Large market & geography. Support global/regional client. Potential growth. Political & regulatory framework European convergence.

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BONJOUR ! YVES DRIEUX CEO BNP PARIBAS POLAND Jeudi, 23 Janvier, 2003

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  1. BONJOUR! YVES DRIEUX CEO BNP PARIBAS POLAND Jeudi, 23 Janvier, 2003

  2. Why foreign banks are investing in Poland? • Large market & geography • Support global/regional client • Potential growth • Political & regulatory framework • European convergence

  3. Banks assets are mainly managed by foreign banks Market share for loans and deposits STRATEGIES universal group • opportunistic • global • regional • specialized Non retail group

  4. Domestic Retail Banking Retail Financial Services International Retail Banking Retail Banking Private Banking Advisory & Capital Markets Corporate and Investment Banking Asset Management and Services Asset Management Specialised Financing Insurance Corporate Banking Securities Services Global Bank’s predominant business model

  5. Corporate & Investment Bank’s Business model • CLIENT’S COVERAGE • Corporate • Institutions • Banks • Industries • Energy & Commodities • Trade Finance • Export Finance • Project Finance • Syndications • Structured Finance • Origination • Corporate Finance • Cash Management • Equity, debt, interest, • FX, Sales & Trading CORPORATE & INVESTMENT BANKING • BOOK MANAGEMENT • Credit • Sales • Hedging

  6. Investing in Poland • What resource? • What constraints? • Secure an internal decision! • Awareness • Contribution to group growth & results • Sponsoring of business lines • Group’s strategy

  7. Investing in Poland • Industrialize your processes & MIS Mass processing Outsourcing European platforms (Back Office, Systems, Booking) Telecom, Intranet, Internet Network

  8. Investing in Poland • COMPLY! Local, international & group regulations Code of ethics Know your clients and transactions Be prepared to be audited!

  9. Investing in Poland Master your risks to be competitive! Country risk Sovereign risk Operational risk • Get the best limits! • Utilize it! • Control it! Reputation risk Counterparty risk Market risk

  10. Investing in Poland The most important: give great care to your human resources! • Jobs are not only to be offered, but also to be marketed: • Values of the group • Strategy of the bank • Mission & objectives • Training & coaching • Career development • Current gap between offer & demand: • Senior client coverage • Market, credit & operational risk skills • MIS project management & controlling • ….Initiative, autonomy, professionalism….

  11. Values : Demanding Standards Transparency • Clients • Shareholders • Employees Ethics - Corporate governance - Compliance - Sustainable development Corporate values • Commitment • Ambition • Responsiveness • Creativity

  12. Get profitable & recurrent business: A thrilling challenge! • Daily, budget and business plan positive stress! • Constantly evolving landscape • Rely upon your team: trust & control • Clients, clients, clients….. • 39 mio inhabitants and EU accession: substantial sources of revenue for banks?

  13. Main growth engines for Poland Keys to success • Retail banking • Asset management • Structured products • Consumer banking • Business solutions: • hedging, cash mgt, structured financing • A long term vision • A global & skilled team with values • Reassess, review, question your business Build up a healthy business Franchise Market share Solvency Risk/equity Efficiency Cost to income Rating Recurrent performance Market Capitalization Make your future Performance ROE

  14. Markets:Solid Prospects for Medium-term Growth Growth drivers Markets Growth trends Fast-growing new markets: - credit derivatives - alternative mgt - fund admin,... Stronger influence of capital markets, customer sophistication >15% Capital market activities, Savings and investment Population ageing expanding markets +8 to 12% GDP and credit growth Retail banking (Europe) +4 to 5%

  15. Future is uncertain… • Mergers, synergies, industrialization • Bankinsurance doesn’t seem to be a model • New players • Weakening systems:Japan, Germany • New regulations might affect current competition • Crisis: countries, global group • reputation

  16. Leading Banks in Euro Zone Market capitalization (Bio Eur)

  17. Leading Banks in Euro Zone Net Income in 2001 (Bio Eur)

  18. MERCI!

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