DISRUPT REIMAGINE REINVENT YOUR BUSINESS

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1 Page 1 DISRUPT REIMAGINE REINVENT YOUR BUSINESS Insight, Intelligence, Innovation. Introduction to ibe February 2015

2 Page 2 IBE PART OF BE GROUP Be Group is a leading consulting and ICT provider for the financial services industry. Listed on the STAR segment of the Italian Stock Exchange, Be has annual revenues in excess of 100m. In the last three years, Be has invested 12m for the acquisition of three companies and has started-up four new ventures in Europe. Share prices have increased by 151% since June 2013 (at 16/9/14). Be Group comprises ibe, Be Consulting, Be Solutions, Be Professional Services, Be Enterprise Solutions, Be Poland, Be Ukraine and Be Romania. It has recently expanded into new innovative business segments, which have high growth potential, such as launch of Be Sports, Media and Entertainment in Be Group has over 1,000 employees across Italy, UK, Germany, Austria, Switzerland, Romania, Poland and Ukraine.

3 Page 3 CONCENTRATION PRESENCE ACTIVITY GEOGRAPHY BE REVENUE PORTFOLIO 62% 3% 26% 9% ICT Services ICT Solutions Operations 72% 8% 14% 6% UK Germany/Austria Other Countries Consulting Italy 20% 80% First 10 customers Rest of portfolio UniCredit Intesa SanPaolo Poste Italiane BNP Paribas Barclays MasterCard LBW PZU CNP Credite Agricole ABI Payment Council Allianz Societè Generale Deutsche Bank Iccrea Mediobanca UBI Banco Popolare Cattolica

4 Page 4 UK 9.7b smartphone and tablet transactions in the UK (+63% from 2013) Italy 29M internet/mobile customers, 22.3b e-commerce transactions Germany & Poland Over 100% e-commerce growth PAN-EUROPEAN DIGITAL DISRUPTION Impact to financial services Need to create digital access for customers Only a handful of players have successfully integrated different channels The use of "Big Data" is starting to generate projects that create real value The payment industry is the most exposed to the risk of disintermediation Banks will face five major challenges during the next 36 months Customer centricity Regulatory compliance Back Office Consolidation Cost Reduction Fraud and Crime The insurance industry faces similar challenges and is expected to increase process efficiency, invest in new channels and client relationship models, improve business performance and develop new products.

5 Page 5 TODAY S DIGITAL NARRATIVE IN FINANCIAL SERVICES New Customer Values Volatility In Financial Services + = The Digital Response The post modern world is characterised by a fundamental shift in how consumers think and what they value. The emergence of new customer values combine with global drivers for change in financial services, which creates a volatile environment. Many players have seen digital as a tool which effectively responds to this market volatility. However, digital brings with it a set of opportunities and choices which are truly transformational.

6 Page 6 IBE the pre-eminent consultancy in Europe for financial services organisations seeking to address the challenges of the digital world. ibe s use of advanced analytics, consultancy delivery experience and our deep industry expertise, combined with the digital start ups we partner with, enables our clients to disrupt the market and re-imagine their businesses. ibe comprises former Bluerock Consulting (UK), data analytics firm 2C-To See (Italy) and Be Sport Media and Entertainment.

7 Page 7 WHAT WE DO enable financial services organisations to take advantage of the changing digital landscape. By leveraging our industry knowledge, we work with our clients to re-imagine their business models and re-invent themselves. We rapidly transform the way they engage with their customers to create accessible, convenient and relevant services and products. We have extensive expertise in Retail Banking, Cards and Payments, Asset Management, Wealth Management and Life and Pensions. We also provide Operations and Governance services to sectors including healthcare and infrastructure.

8 Page 8 OUR THREE VALUES IN ACTION ibe Insight: we have extensive financial advisory expertise working with clients in the Retail Banking, Cards & Payments, Asset Management, Wealth Management and Life & Pensions sectors. By leveraging our deep industry knowledge and experience, we are able work with our clients struggling with the disruption in the market to re-imagine their business models and reinvent themselves. ibe Intelligence: we use advanced data analytics tools to discover meaningful patterns in our clients data. Through the simultaneous application of statistics, IT and operations research and business data, we are able to describe, predict, and improve business performance. ibe Innovation: we partner with digital start-ups, combining our proven methodologies with the use of advanced analytics to the benefit of our clients. We de-risk our recommendations by bringing together plug and play components from multiple sources to create bespoke solutions for each client.

9 Page 9 CHOOSING IBE The Right Team: our consultants come from both financial services industry and consulting backgrounds. All have in-depth knowledge of the components that make up the digital world, our client s businesses and the financial services market. Strong Capabilities: we have a true end-to-end delivery capability, spanning the lifecycle of transformation from strategy through to implementation, delivered for the largest financial services institutions. Customised Business Processes: we partner with digital start-ups, combining our proven methodologies with the use of advanced analytics to the benefit of our clients. We de-risk our recommendations by bringing together plug and play components from multiple sources to create bespoke solutions for each client. Solid Success: we have a proven track record of delivering large scale complex change programmes for blue chip companies. Return on Investment: we work with our clients to develop agreed success metrics and always aim to exceed expectations

10 Page 10 OUR SERVICES

11 IBE S DIGITAL TRANSFORMATION PROPOSITIONS VALUE PROPOSITION We deliver accelerated results and continuous improvement through an agile approach to implementation We help you de-risk digital projects by proposing a financial arrangement which shares risk and reward We ensure sustainability by ensuring that skills and knowledge are transferred to your people DIGITAL TRANSFORMATION OFFERS Digital Strategy Digital Innovation Customer Experience Improvement Operational Digitisation We bring clarity to your digital strategy by assessing your digital maturity, developing a digital vision and constructing your transformation road-map We help you select and implement new, innovative technologies which increase customer value and reduce operational costs We enhance customer revenues and loyalty by helping you develop improved customer experiences by using advanced data analytics We increase the effectiveness of operations by creating new business models and automating processes to reduce costs and increase compliance.

12 Page 12 CARDS AND PAYMENTS The European Cards and Payments market is in a Virtual Age. Changing customer habits demand new means of payment and as a result several new trends have emerged in the market: Contactless card solutions have become increasingly popular amongst time constrained customers Shopping behaviours have changed due to a rise in online commerce M-commerce in the UK comprises 12% of e-sales M-payment is now high on the growth agenda Social media and online communities drive engagement amongst customers Marketing communications in the form of online marketplaces M-couponing has become essential for businesses Precious customer behaviour data analysis is a key success factor ibe focuses on five areas in sourcing growth opportunities for clients: Loyalty and Marketing Product Innovation Mobile Financial Services Emerging Advances in Acquiring Fraud and Risk Management

13 Page 13 RETAIL BANKING The banking sector is continuing to face significant challenges in a digital environment. These challenges bring wide-ranging opportunities to transform the banking landscape and focus on how banks interact with customers, offer new products and deliver innovative services. Banks are looking to focus on the key areas of payment, lending, retail/commercial banking and multi-channel marketing and distribution. Our projects span the full consulting life cycle from strategy to implementation. Our banking consultants cover all of these core areas of change: Sales and service transformation Core banking system transformation Banking operating model design Core payment redesign Commercial lending transformation Cost transparency/business economics Post-merger integration Divestment separation Back office transformation IT Infrastructure and application development Vendor selection, management and third-party sourcing

14 Page 14 DATA ANALYTICS Data is full of potential. Correct analysis can help businesses to better understand their customers, competitors, products, services and make better informed business decisions. Our team of data scientists help clients embed new processes to maximise efficiency and offer the following services: Applications Process Optimisation and Process Automation Risk Management (Including Fraud Analytics And Financial Reporting) Marketing (Including Customer Analytics, Sales, Pricing, Channels) Tools Social Networks Geographical Information System Web and Text Mining Analytics and Big Data Research and Development Computational Intelligence Video & Image Processing Graph Theory

15 IBE S PROPOSITIONS ARE UNDERPINNED BY A SET OF CAPABILITIES OUR TRANSFORMATION CAPABILITIES Digital Strategy 1. We specialise in Financial Services We have deep financial services specialists across retail and commercial banking, insurance, and capital markets. Our areas of expertise include: Cards And Payments Retail Banking Asset Management Regulatory Compliance Credit Risk Product And Distribution Customer Management Core Operations Digital Innovation 2. We are experienced in transformation We provide our clients with the technical and functional know how to efficiently deliver transformation. Our skill areas include: Prog./Proj. Management Benefits Realisation Agile And Scrum Target Operating Model Technology Prototyping Process Improvement Customer Experience improvement 3. We have advanced data analytics capabilities We have over 60 data analytics experts, many with PhDs, who create innovative, data-based solutions to financial services issues. Our experience extends to: Customer Profiling Risk Analysis Fraud And Crime Detection Digital Marketing Automation Technology Dynamic Asset Allocation 4. We partner with innovative tech companies We are able to accelerate digital innovation by helping our client navigate the complex landscape of tech companies. We have formal partnerships and relationships with a number of both large and small providers of high technology solutions in both the customer and operations space. Operational Digitisation 5. We have near-shore capabilities We are are located in a number of European locations which allow us to deploy cost effective resources and capabilities. These locations include: UK Italy Germany Romania Poland Ukraine Austria Switzerland

16 Page 16 WHAT OUR CLIENTS SAY ABOUT US ibe are flexible, responsive and created a relevant methodology and approach to fit our specialised needs. Excellent planning, delivery and implementation and to top it all off a great mix of people who know how to get the job done right the first time. ibe exceeded expectations, despite time and budgetary constraints and were instrumental in transforming our customer service proposition. Dynamic, practical, creative and heavy hitting.

17 Page 17 LEARN MORE Francesco Scarnera CEO Cards and Payments Lead . Phil Falato Head of Digital Transformation . James Curzon Partner Head of Retail Banking . Vittorio Carlei Senior Partner Head of Big Data & Advanced Analytics . Bob Heath Partner Head of Asset Management .

18 Page 18 ibe UK 4th Floor, The Rex Building 62, Queen Street London EC4R 1EB tel Italy V.le C. Pavese, Roma tel P. Affari, Milano tel

19 Page 19 Insight, Intelligence, Innovation.

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