01Presentation Of

PRESENTATION01 OF ODDO BHF GROUP 2019

2 A UNIQUE FRANCO-GERMAN FINANCIAL GROUP

3 Meet Philippe Oddo, our General Partner

Make finance work for you

Our Franco-German expertise means that we can provide our clients with in-depth knowledge of the companies, economy and investors of the region.

PHILIPPE ODDO General Partner

4 The leading independent Franco-German financial group

Entrepreneurial Independent Unique Stable Driven

A family-owned Freedom of spirit and A unique Franco- Determination to work Employees motivated by company in which action acknowledged German group on a long-term basis an ideal of excellence employees have a by our clients model, a quality of with employees, and by a constantly stake in the share relationship that the partners and clients, renewed commitment capital and thus similar client cannot find ensuring trust and interests to clients anywhere else integrity

OUR 3 KEY POINTS CLIENTS’ ASSETS €100 PEOPLE billion NET BANKING INCOME BBB The interests of our employees, who are partners in €591 Fitch the share capital, are aligned with those of our million Ratings clients. LONG-TERM

EQUITY The Group builds relationships of trust with its 2,300 €844 clients, partners and employees. EMPLOYEES million 1,000 RESEARCH IN FRANCE & TUNISIA SOLVENCY RATIO 1,300 The Group invests 20% of its revenue IN GERMANY +15% in financial analysis and information systems.

5 More than 150 years of history – your partner for the next 150 years

Our mission is to help people and business to grow

ODDO BHF is a unique Franco German financial group with a long history rooted in these two key European markets for more than 150 years. It builds its success on its proximity to corporates and entrepreneurs. It is in particular close to family-owned mid-sized companies which are the backbone of European economy.

1849 1854 1970 1980 2016 Marseilles Frankfurt Frankfurt Paris Paris / Frankfurt

Camille Gautier becomes Frankfurter Bank is founded Frankfurter Bank and Philippe Oddo becomes Oddo & Cie acquires BHF- a stock-broker in Marseille. as a central bank for the Berliner Handels- partner of Oddo & Cie and BANK, aiming to create a Free City of Frankfurt. Gesellschaft merge to puts in place a collegial leading financial institution in become BHF-BANK, a system which still operates the Eurozone. step that attracts great today. attention at the time.

6 Our home is the heart of Europe – Our ambition is global

Stockholm

Luxembourg Zurich

New York Madrid Milan Tunis

Abu Dhabi Hong-Kong

Hô-Chi-Minh-City

Corporates & Markets Private Wealth Management Asset Management

7 INTERNATIONAL BANKING

8 Our tradition

Taking German industryabroad

Our long history in supporting export growth in emerging markets worldwide motivates and enables us to find ambitious solutions for your international business. Our staff is passionate and reasonable with a strong set of macroeconomic, cross- cultural and client related experience.

1870s 1948

Financing major railway lines Restart of international and start of Africabusiness business

Germany, Austria, Russia, Financing the German industry North America, Egypt and and its activities abroad after the South Africa Second World War

9 Your speciality provider in country risk management

Reasons tobelieve

Leaders In Niche Excellent Service Multicultural Team With In- Widely Recognized Worldwide Network of Markets Quality depth Local Country Expertise Trade-Experienced Knowledge Correspondent Banks

Global market share in In-house documentary 15+ nationalities High level of professionalism 400+ correspondent banks business and know-how in structuring export LCs*: 75+ Emerging Markets 20+ languages of complex short-term and Togo 14.1% Direct contact to the 60+ dedicated country long-term trade-related 140+ covered countries colleagues of the back and product experts transactions Ghana 8.3% office Rwanda 7.6% Full integration in the European export eco-system Armenia 6.4% Senegal 5.9% Niger 5.6% Gabon 4.6% Ukraine 4.5%

* % of global transactions, YTD 09/2018 10 SHORT TERM TRADE FINANCE

11 Our trade and export finance products

Short-term Trade Finance Structured Export Finance

Export letters of credit Documentary Collections Loans covered by Export Credit Import letters of credit Advance payment guarantees Agencies (ECA) • to banks Stand-by letters of credit Performancebonds • to corporates Financing of letters of credit Tender guarantees ECA covered structured finance Reimbursement Irrevocable Reimbursement Undertakings Forfaiting / Purchase of receivables Pre-export financing (PXF)

12 Your partner for short-term trade finance

Letters of Credit: Facilitating trade Guarantees: Realizing your projects Our special service for you

Advising and handling for exporters Advance payment guarantees Formal pre-check of L/C and guarantee worldwide Performance bonds wording Formal pre-check of documents Confirmation of sight and deferred Tender guarantees payment L/Cs Fast handling of documents by experienced Special forms: Standby L/C, hands and eyes Transferable L/C, Irrevocable Discounting, Negotiation, Prepayment Reimbursement Undertakings

13 COUNTRY COVERAGE

14 Africa – More than 30 years of experience on the continent

NorthernAfrica EasternAfrica Southern & LusophoneAfrica Western & CentralAfrica

15 Asia & Middle East - Let our specialists accompany your business

Middle East EastAsia Central & SouthAsia

>35 >150 Countries Covered Correspondent Banks

16 Eastern Europe & CIS - Profit from our excellent network

CIS States Balkan States Eastern Europe

>20 >100 Countries Covered Correspondent Banks

17 Latin America & Caribbean – Discover new markets with our specialists

CentralAmerica SouthAmerica Caribbean

>15 >40 Countries Covered Correspondent Banks

18 Benefit from many years of experience in our dedicated teams

Well-matchedteam Fast and short ways of excellent and motivated due to in-house L/C specialists documentary department

Personal availability Regularly trained in of product specialists for up-to-date case Even after many years, you never get clarifications via mail studies on latest tired of this versatile job. Every day we and phone have to deal with so many different regulation types of merchandise, transport routes and L/C structures. Moreover, we benefit from regular trainings updating us of the latest developments.

ANJA Member of International Product specialist with 17 years of experience Chamber of Commerce Banking Commission

19 STRUCTURED EXPORT FINANCE

20 Export Credit Agency Financing

Long-term financing with State support for its exporters Benefits for the exporter and the favourable conditions importer – at the same time

Opportunity of floating and fixed Buyer‘s Credits under Export ECA-cover is available in most freely interest rates and repaymentterms Credit Agencies (ECAs) cover are convertible currencies. Concurrent of up to 10 years and more plus an export promotion instrumentof safeguarding the payment claims draw down period the covering nation under the supply contract to the supplier

21 Profit from our excellent relations to European ECAs

Export Credit Agencies(ECAs)

Private or quasi-governmental institutions representing export promotion instruments of the covering nation. 90-95% 5-10% ECAs cover the political and commercial risks of export of the commercial and political has to be taken by the transactions. risk can be covered by state insured lender export credit insurance State export credit is necessary wherever sufficient cover is not available from the private insurance market.

Germany France Austria Switzerland Denmark Finland Sweden Netherlands Belgium Spain

22 Your experienced and reliable partner for long-term projects

2015 2016 2017 2018

Turkey Belarus Bangladesh SaudiArabia Hydroelectrical power Machinery for a cheese Ultra-modern equipment for Delivery of cranes plant factory steel manufacturing

23 ODDO BHF is your partner for ECAs

Extended knowledge for a suitableECA financing

ECAs cover medium and long-term financing of goods and services with covering nations origin (generally 5 – 10 years)

Credits are tied to European exports

ECA premium is calculated depending on country risk, risk period, the quality of the borrower (or guarantor) and the percentage ofcover

Bound by regulation within the OECD, the EU and the Berne Union

We consider each market, small or complex, for your business endeavors.

24 Your project – Our banking expertise

Profound knowledge of the ECA Long and substantial history in developing guidelines and close contacts with all the countries important ECAs in Europe

Excellent track record in financing long- Fast decision-making and internal term projects all over the world processing

Innovative and tailor-made solutions with Flexibility and awareness of the diverging attractive terms and conditions requirements of buyer and seller

25 LETTER OF CREDIT CONFIRMATION COVERED BY EULER HERMES al i nt confid e trictly S 19 18/06/2 0

26 Your Partner for more than one ECA-covered Solution

Turning old into new Expanding opportunities Yes we can

Letter of Credit Confirmation covered by Efficient alternative to buyer’s credits for We successfully concluded several transactions Euler Hermes is an existing product, smaller tickets in mid/long term financing with tenors of up to 5 years revitalized by extension of the credit terms to up to 5 years + 1 year confirmation period 19 18/06/2 0

27 Your Your Project – Our Our Banking Similar European ONDD, . information Expertise products OeKB, countries SERV, are . also EKN, Please offered Euler Letter In shipment Cover Exporter 51% Export ( Euler 15% case EKF) ) down Hermes contact by of Hermes available of to of Credit for financing other be capital payment) a exports credit based Criteria ECAs us requires for goods for period in from deferred (Finnvera, Germany with further (German semi other of regard one payment - annual year to content underlying payments and or : above post min . 28

18/06/2019 Benefit from many years of experience in our dedicated teams

New product ECA cover Eligibility also offering expansion enabling longer for transactions of your business tenors and higher of less then opportunities amounts for L/C EUR 5m confirmations

The cover provided by Euler Hermes and selected other ECAs is a great alternative when a classical L/C confirmation is not possible due to Discounting of Our specialist amount or tenor restrictions. payment claims under team is available the Letter of credit for your questions INGA after delivery is on details and Structuring expert with 25 years of experience feasible parameters

29 CONTACTS

30 Contacts

Yasser A. Ibrahim Managing Director, Co-Head International Banking Sales

[email protected]

+49 69 718 2645

Andrejana Wächter Director, Senior Export Manager, International Banking Sales

[email protected]

+49 69 718 2383

Jutta Roeller Director, Senior Export Manager, International Banking Sales INTERNATIONAL BANKING [email protected] Bockenheimer Landstraße 10 60323 Frankfurt am Main +49 69 718 2235 Germany

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