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Supply Chain Finance Solutions Crédit Agricole CIB A world of added-value solutions SupplySupply ChainChain FinanceFinance SolutionsSolutions Supply Chain Finance is a way of supporting the suppliers through the early payment of invoices. It can be defined as the use of financing and risk mitigation practices, associated with techniques to optimise Working Capital and liquidity invested in the Supply Chain processes and transactions. A Supply Chain Finance solution is composed of This map includes all Crédit Agricole Group entities (retail and investment banks) the following banking products: Discount without recourse of receivables Cash management (high volumes of payments) Web-based platform 10th Crédit Agricole CIB Crédit Agricole S.A Rate-A Crédit Agricole S.A SWIFT for Global Capital Bank by PBOC and Best Trade Finance Western Europe’s Corporates 2017 Bond Awards Bank in Western Best Bank for SME SAFE Best Bank in France Europe 2018 to 2014 2018 2017 2017 2016 2015 Contacts : Crédit Agricole CIB International Trade And Transaction Banking 12 place des Etats-Unis, CS 70052 92 547 Montrouge Cedex, FRANCE +33 (0)1 41 89 00 00 www.ca-cib.com [email protected] This non-contractual document is an overview of our products. For more detailed information please contact us. Benefits for buyers Our solutions Benefits for suppliers CashCash Initiation Initia- Supply Chain Finance – How does it work? Balance sheet and cash optimizationtion New credit and liquidity source Improve your Working Capital by extending your payment Our experts provide the suppliers with easy access to terms without impacting the suppliers’ Working Capital an alternative liquidity source at a cheaper rate than position: a win-win solution their own cost of funding, due to the ability to leverage the credit worthiness Your payment obligations remain trade payables rather than a bank debt* and are not included in calculations of Very competitive financing terms in comparison with credit-rating metrics other available sources of finance, such as factoring, overdrafts or bank loans You also can invest excess liquidity into your Supply Chain Finance Program through CACIB Dynamic Discounting option Supporting your trading relationships Positive balance sheet impact Strengthen your relationship with the suppliers by providing Longer payment terms granted by the suppliers are them with an alternative finance source as well as with a balanced by a reduced DSO (Days-Sales-Outstanding) user-friendly solution Dynamic Discounting – An alternative Off balance sheet treatment - no recourse against Mitigate your financial risks in the Supply Chain and lower suppliers your operating costs Best strategy summary Annual Spend This solution is available on the same OPTIM Supply Chain platform This Dynamic Discounting OPTIM enables you to use your available cash to reduce your costs through early payment discounts and provides your smaller supplies with simple access to SCF Process optimization liquidity Working capital benefit Dynamic discounting Linear No change to your existing accounts payable process 100 1000 # of Acceleration of cash conversion cycle by reducing suppliers accounts receivables and shortening Days-Sales- No credit agreement Outstanding Why choose Crédit Agricole to manage your Supply Chain Finance Program? Finance costs borne by the suppliers Crédit Agricole CIB proximity to clients Crédit Agricole footprint and strengths Proven expertise at your service Crédit Agricole CIB is a leading bank Thanks to its local roots in France, the Fully dedicated and seasoned Supply in balance-sheet financing, with a Crédit Agricole Group has a deep Chain Finance Team: the project team particular focus on debt & Working understanding of SME needs, which consists of subject matter experts in Capital financing are all potential suppliers for Supply France, ensuring not only a smooth Flexibility and simplicity Chain Finance solutions implementation, but also a continuous Corporate Social Responsibility Through extending its offer to Supply and focused relationship beyond Chain Finance solutions, Crédit Beyond, our global network provides implementation Provide the suppliers with visibility and control over the Agricole CIB leverages and increases the ability for efficient on-boarding of invoices and facilitates cash-flow forecasting Enjoy a better treatment of the suppliers: a key element for its current proximity to clients suppliers to the platform A pioneer in eTrade & Supply Chain your Corporate Social Responsibility Finance: first bank worldwide to offer Simple, user-friendly, legal and operational model, no Strong financial counterparty: Crédit SWIFTNet Trade Guarantees, inventor bank account opening required Pay the suppliers on time Agricole CIB enjoys the same A-rating of the so-called “Facture A Echéance” as Crédit Agricole S.A. thanks to the (formerly VCOM), and the first bank to No set-up or on-going costs to use the platform Increase loyalty across your Supply Chain affiliation mechanism. Crédit Agricole is offer this open-account French among the best capitalized groups in financing solution in foreign currencies Ability to be paid in 2 simple clicks Europe – ratios are already well above the minimum requirements for 2018 *subject to auditors sign off .
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