How To Get A Good Deal From Cr\U00E9Dit Mutuel-France

Transcription

1 in brief 2012 edition

2 Service offer > 3,703,056 individuals 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. 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 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. 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- group, it seeks to build a lasting relationship with each of its customers. Financing projects When buying a car, you can choose a specific car loan or opt for an all-inclusive long-term car rental solution. If you are planning to buy a house to live in or rent out, or to carry out home improvements, offers a comprehensive range of flexible and adaptable loans. Protecting your family and possessions With comprehensive home and motor insurance, 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.

3 Benefit from the most efficient new technology As a pioneer in this field, Crédit Mutuel- 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. 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. 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 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 s discount, factoring and receivables assignment (Dailly) services and overdraft facilities to finance their operating cycle and meet their cash requirements. And Assistance Recouvrement 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 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.

4 Service offer > 110,853 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-. 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. 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 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 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 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 InfoRisk information service and credit insurance via the 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, 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 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: can help you at each of these key phases in your business s future.

5 profile 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. > The group s activity is organised around four core businesses 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 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 Banque Privée banner with 343 employees in 54 towns. It draws on the expertise of the group s specialist subsidiaries in France and abroad. 4,462,041 customers including: 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 Private equity comprises equity investments, M&A advisory services and financial and capital markets engineering. It is organised around two businesses: Capital Finance and Investissement. is one of the leading players in this segment in France outside the Paris region.

6 Activity of the regional banks (Greater Paris region) Customers (1) : 686,153 individuals 571,897 associations 11,101 self-employed professionals 89,236 corporates 13,919 ATMs 290 Customer loans 15,591 Customer deposits 15,102 Managed savings 10,431 Ouest Customers (1) : 697,343 individuals 576,361 associations 9,799 self-employed professionals 90,560 corporates 20,623 ATMs 391 Customer loans 16,873 Customer deposits 11,354 Managed savings 9,353 Ouest Sud Ouest Customers (1) : 394,388 individuals 314,977 associations 7,118 self-employed professionals 62,290 corporates 10,002 ATMs 376 Customer loans 8,172 Customer deposits 5,340 Managed savings 3,440 Sud Ouest (1) including other customers Data at 31 December, 2011; monthly average principal amounts in millions of euros 6 avenue de Provence Paris Tel: +33 (0) 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 Nord Ouest 33 avenue Le Corbusier Lille Tel: +33 (0) Chairman and chief executive officer: Stelli Prémaor Deputy chief operating officers: Eric Cotte Bernard Duval Ouest 2 avenue Jean-Claude Bonduelle Nantes Tel: +33 (0) Chairman and chief executive officer: Michel Michenko Deputy chief operating officers: Michel David Laurent Métral Est 31 rue Jean Wenger-Valentin Strasbourg Tel: +33 (0) Chairman and chief executive officer: Philippe Vidal Chief operating officers: Luc Dymarski Pierre Jachez Lyonnaise de Banque 8 rue de la République Lyon Tel: +33 (0) Chairman and chief executive officer: Rémy Weber Deputy chief operating officers: Isabelle Bourgade Yves Manet

7 Nord Ouest Nord Ouest Ile-de-France Est Customers (1) : 746,517 individuals 631,132 associations 9,668 self-employed professionals 86,989 corporates 18,728 ATMs 338 Customer loans 16,059 Customer deposits 11,888 Managed savings 8,241 Lyonnaise de Banque Customers (1) : 926,661 individuals 752,733 associations 16,342 self-employed professionals 131,414 corporates 26,172 ATMs 599 Customer loans 23,122 Customer deposits 15,764 Managed savings 13,154 Lyonnaise de Banque Est Customers (1) : 1,010,979 individuals 855,956 associations 14,037 self-employed professionals 119,577 corporates 21,409 ATMs 476 Customer loans 21,551 Customer deposits 13,828 Managed savings 10,749 Sud Ouest Cité Mondiale 20 quai des Chartrons Bordeaux Cedex Tel: +33 (0) Chairman and chief operating officer: Jean-Jacques Tamburini Chief operating officer: Pascale Ribault

8 Simplified organisation chart Retail banking network Nord Ouest Ouest Sud Ouest Est Lyonnaise de Banque Private banking (1) Banque Transatlantique 62.7% Dubly Douilhet Banque Suisse 72.4% Banque de Luxembourg Private Banking - Banque Pasche Private equity Capital Finance 23.5% 99.9% 99.2% 54.1% Specialized businesses Asset Management Gestion 95.5% Epargne Salariale Securities Bail Lease Factor (2) Aidexport 20.5% Insurance Groupe des Assurances du Crédit Mutuel Shared services companies 12.5% Euro Information No capital GIE Titres No capital GIE Services (1) Private banking business is also conducted by s Singapore branch (in Singapore and via Investor Services Limited in Hong Kong). (2) Factor (formerly Factocic) absorbed Laviolette Financement on 2 January The percentages indicated represent the percentage of control exercised by within the meaning of Article L of the French Commercial Code. Companies that are not controlled by (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- group. comprises: (Crédit Industriel et Commercial), the holding company and bank that heads the 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 Asset Management: 76.5% Bail: 0.8% Lease: 45.9% Factor: 4.5% Insurance Groupe des Assurances du Crédit Mutuel: 79.5% Shared services companies Euro Information: 87.5%

9 The strength of an international group 11 federations (1) Caisse Fédérale de Crédit Mutuel (Banks 82% ACM 18%) Regional banks and local banks 93% 6% Banque Fédérative du Crédit Mutuel (BFCM) 93% Caisses de Crédit Mutuel of the 11 federations Centre Est Europe Sud-Est Ile-de-France Savoie-Mont Blanc Midi-Atlantique Centre Dauphiné-Vivarais Loire-Atlantique Centre-Ouest Méditerranéen Normandie Anjou Financial Asset Management* Bail* Épargne Salariale* Gestion* Factor* Securities* Titres* Aidexport* BECM Sofémo Filaction ESN Home Loan SFH* Technology 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 Insurance GACM ACM Vie SAM ACM Vie SA Sérénis Vie ACM IARD Sérénis Assurances ACM Services Partners RACC Seguros RMA Watanya Astree ICM Life Procourtage Real estate Sarest* Ataraxia* SOPARIM* SOFEDIM* AFEDIM* Gestion immobilière* Lease CMH Asset management Banque Privée Banque Transatlantique (France, Luxembourg, Belgium, Singapore, Montreal) Banque de Luxembourg Suisse Banque Pasche Dubly Douilhet Private equity Capital Finance Investissement (SCR) 51% 50% 20% 25% 5% 50% Nord Ouest Est Ouest Sud Ouest Lyonnaise de Banque Banca Popolare di Milano Iberbanco Cofidis Banque Casino Banque de Tunisie BMCE Bank Banco Popular TARGOBANK (Spain) TARGOBANK (Germany) 6.60% 50% (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. * subsidiaries United Kingdom Germany France Belgium 1 Luxembourg 2 Czech Republic Slovakia Switzerland 3 Hungary Portugal Spain Italy Morocco Tunisia 1 Bail Belgique BT Belgium Cofidis Partners (Insurance) 2 Banque de Luxembourg BT Luxembourg ICM Life (Insurance) 3 Banque Pasche Banque (Suisse)

10 International and specialist network International network Europe Germany Wilhelm-Leuschner Strasse 9-11 D Frankfurt am Main Tel: infofra@frankfurt.cic.fr Christoph Platz-Baudin Belgium and the Netherlands Banque Transatlantique Belgique Rue de Crayer, Brussels Tel: +32 2/ cicbruxelles@cicbanques.be Yolande van der Bruggen Spain Calle Marquès de la Ensenada n Madrid Tel: /82 cic.madrid@cicmadrid.com Rafael Gonzalez-Ubeda United Kingdom Veritas House 125 Finsbury Pavement London EC2A IHX Tel: Ubaldo Bezoari Greece Vassileos Alexandrou Athens Tel: /541 cicgrece@cicgrece.gr Georges Anagnostopoulos Hungary Budapesti kepviseleti Iroda Fö utca 10 H-1011 Budapest Tel: cicbudapest@cicbudapest.hu Kalman Marton Italy Corso di Porta Vittoria, Milan Tel: cicmilano@cicmilano.it Luigi Caricato Poland Ul Stawki 2 Intraco 29 p Warsaw Tel: /02/03 cicvarsovie@cicvarsovie.pl Barbara Kucharczyk Portugal Avenida de Berna n 30, 3 A Lisbon Tel: /44 ciclisbonne@mail.telepac.pt Henrique Real Czech Republic Mala Stepanska Prague CZ Tel: cicprague@cicprague.cz Zdenka Stibalova Romania Str. Herastrau nr.1, etaj 2 Apt. 6, Sector Bucharest Tel: cic@cicbucarest.ro Adela Bota Russian Federation - CIS 9, korp. 2A Kutuzovskiy prospekt Office Moscow Russian Federation Tel: cic-moscow@cic-moscow.ru Nikita Stepanchenko Sweden and Scandinavia Grev Magnigatan 6 SE Stockholm Tel: cicstockholm@cic.pp.se Martine Wahlström Switzerland 29 avenue de Champel 1211 Geneva 12 Tel: nadine.johnson@cic.ch Nadine Johnson Turkey Suleyman Seba Cad. N 48 BJK Plaza A Blok K:4 D:41 Akaretler Besiktas Istanbul Tel: cicturkey@cicturkey.com Mehmet Bazyar Africa Algeria 38 rue des Frères Benali (ex-parmentier) Hydra Algiers Tel: cicbalg@cicalgeria.com.dz Ahmed Mostefaoui Egypt 28 rue Cherif Cairo Tel: cicegypt@soficom.net Hussein M. Lotfy Morocco 12 boulevard Brahim Roudani Résidence Zeïna 1 er étage - Appartement Casablanca Tel: /68 16 cicmaroc@cicmaroc.ma Mahmoud Belhoucine Tunisia Immeuble Carthage Center Rue du Lac de Constance 1053 Les Berges du Lac - Tunis Tel: / cictunisie@cictunisie.tn Emna Ben Amor Dimassi Middle East United Arab Emirates Dubaï-Al Wasl-Sheikh Zayed road Dubaï National Insurance Building 1 st floor - Office 106 Po Box : Dubai United Arab Emirates Tel: cicba@emirates.net.ae Blanche Ammoun Israel Y.S. Consulting Beit Hatasiya (Industry House) 29, Hamered Street, 10 th floor - Suite 1030 POB Tel-Aviv Tel: cic-il@zahav.net.il Jacob Shtofman Lebanon and Middle East Achrafieh Rue de l Archevêque Ghofrayel Immeuble Attar - rdc gauche Beirut Tel: cicba@cyberia.net.lb Blanche Ammoun Americas Brazil Do Brasil Rua Fidêncio Ramos, Andar - cj 132 CEP Sao Paulo SP Tel: cicbrasil@brasil-cic.com.br Luiz Mendes de Almeida Chile Edificio World Trade Center Santiago Av. Nueva Tajamar 481 Torre Norte - Oficina 1401 Las Condes - Santiago de Chile Tel: cicbanqueschili@cicsantiago.cl Sylvie Le Ny United States 520 Madison Avenue New York, N.Y Tel: sfrancis@cicny.com Steve Francis Mexico Andrés Bello n 45 Piso 13A Col. Polanco Mexico D.F. Tel: cicmexico@cicmexico.mx Olivier Soulard Venezuela Centro Plaza - Torre A - Piso 12 Oficina 1 Avenida Francisco de Miranda Caracas Postal address: Apartado Postal Caracas 1060 Tel: / cicvenezuela@cicvenezuela.com.ve Pierre Roger

11 Asia East China/Shanghai Room 2005 Shanghai Overseas Chinese Mansion N 129 Yan An Xi Road (w) Shanghai Tel: /69 27 cicshanghai@cicshanghai.cn Shan Hu North China/Beijing Room 310, Tower 1, Bright China Chang An Building N 7 Jianguomennei Dajie Dong Cheng District Beijing P.R. Tel: /68 cicpekin@cicpekin.cn Wenlong Bian South China/Hong Kong 22 nd floor, Central Tower 28 Queen s Road Central Hong Kong Tel: cichongkong@ cichongkong.com Timothy Lo South Korea Samsug Marchen House 601 Il-San-Dong-Ku Jang-Hang-Dong-2-Dong 752 Goyang South Korea Tel: cicseoul@hanmail.net Isabelle Hahn India A-31 Feroz Gandhi Marg Lajpat Nagar Part 2 New Delhi Tel: cicindia@cicindia.net Mathieu Jouve Villard Indonesia Wisma Pondok Indah 2, Suite 1709 Jalan Sultan Iskandar Muda Pondok Indah Kav. V-TA Jakarta Selatan Tel: /09 cicindonesia@ cicindonesia.co.id Japan Sun Mall Crest Shinjuku Shinjuku-ku Tokyo Tel: cictokyo@cic-banks.jp Frédéric Laurent Singapore 63 Market Street #15-01 floor Singapore Tel: angladje@singapore.cic.fr Jean-Luc Anglada Taiwan 380 Lin-shen North Road 10 F (101 room) Taipei Tel: /63 cictaiwan@cictaiwan.tw Henri Wen Thailand Amarin Tower, 10 th floor Ploenchit road, Lumpini Pathumwan Bangkok Tel: cicthai@loxinfo.co.th Abhawadee Devakula Vietnam c/o Openasia Consulting Limited 6B Ton Duc Thang Street, 1 st floor District 1 Hô Chi Minh City Tel: cicvietnam@openasiagroup.com Dai Tu Doan Viet Oceania Australia Suite 1 503, Level 15 Chifley Tower 2 Chifley Square Sydney NSW 2000 Australia Tel: suttonle@australia.cic.fr Lee Sutton Specialist network France Banque Transatlantique 26 avenue Franklin D.Roosevelt Paris Tel: Chairman and Chief Executive Officer: Bruno Julien-Laferrière Deputy Chief Operating Officer: Hubert Veltz Private equity Capital Finance 4-6 rue Gaillon Paris Tel: Antoine Jarmak Pierre Tiers Carl Arnou Belgium Banque Transatlantique Belgium Rue De Crayer, Brussels Tel: btb@ banquetransatlantique.be Michel de Villenfagne United Kingdom Banque Transatlantique 125 Finsbury Pavement London EC2A IHX Tel: btlondres@ banquetransatlantique.com Yves Pinsard Luxembourg Banque de Luxembourg 14 boulevard Royal L 2449 Luxembourg Tel: banque.de.luxembourg@bdl.lu Pierre Ahlborn Philippe Vidal Banque Transatlantique Luxembourg 17 Côte d Eich - BP 884 L 2018 Luxembourg Tel: btl@banquetransatlantique.lu Didier Huard Switzerland - Banque Pasche 10 rue de Hollande Case Postale Geneva 11 Tel: pasche@cm-bpgroup.ch Christophe Mazurier Banque (Suisse) SA 13 place du Marché 4001 Basel Tel: info@cic.ch Thomas Müller Philippe Vidal United States Banque Transatlantique 520 Madison Avenue New York, N.Y Tel: btnewyork@ banquetransatlantique.com Pascal Le Coz Hong Kong Banque Transatlantique 22/F, Central Tower 28 Queen s Road Central Hong Kong Tel: bthongkong@ banquetransatlantique.com Juliette Michelon-Tang Investor Services Limited 22 nd floor, Central Tower 28 Queen s Road Central Hong Kong Tel: loti@hongkong.cic.fr Timothy Lo Singapore Banque Transatlantique 63 Market Street #15-01 Singapore Tel: btsingapour@ banquetransatlantique.com Hervé Guinebert Singapore 63 Market Street #15-01 Singapore Tel: kwekpa@singapore.cic.fr Paul Kwek

12 May Photos: Caroline Doutre, a French limited company (société anonyme) with share capital of 608,439,888 6, avenue de Provence Paris Swift CMCIFRPP Tel: Paris Trade and Companies Registry no Register of Insurance Intermediaries no ( Bank governed by Articles L et seq. of the French Monetary and Financial Code for transactions carried out in its capacity as an insurance intermediary