Our reference framework:

1
How do French Savings Banks operate in the field
of financial exclusion ?

• Our reference framework
• a raison dêtre "to serve all types of
  clientele"
• a unique legal framework According to
  Article 1 of Law dated 25 June,1999, the French
  Savings Banks act in favor of social cohesion and
  participate in fighting all forms of exclusion

2
How do French Savings Banks operate in the field
of financial exclusion ?

• Our reference framework
• The Savings Banks are not a public
  institution. They must meet economic imperatives
  and make profit, as well as rewarding their
  cooperative shareholders.

3
How do French Savings Banks operate in the field
of financial exclusion ?

• The issues
• How to serve our clientele with cognitive and
  cultural difficulties?
• help to memorize basic banking know-how
• facilitate mutual understanding
• help to understand the workings of ATM cash
  machines
• How to support low-income customers with
  financial difficulties?
• what relationship to money? Basic banking
  services

4
How do French Savings Banks operate in the field
of financial exclusion ?

• The issues
• How to facilitate integration? Fight against
  exclusion
• How to deal with unsocial behaviour affecting our
  staff and our goods?

5
How do French Savings Banks operate in the field
of financial exclusion ?

• Responding with banking services "enabling
  access for all
• A savings book net of tax ("livret A"),
  historically the means of saving for ordinary
  people and the way of learning about money
• People's savings book (all banks)
• The "Sensea" card (0 floor limit)
• The Liaison package a basic banking service
  (cash card, access to remote banking) for
  13/year
• Many basic transactions free of charge

6
How do French Savings Banks operate in the field
of financial exclusion ?

• Specific responses by the Savings Banks
• The presence of our branches in neighbourhoods
  with a sensitive environment
• a specific system dedicated to support and
  protect people and goods
• Support for staff ("enjoying everyday contacts
  with customers")
• Typology and ergonomics of branches
• Specific relational environment

7
How do French Savings Banks operate in the field
of financial exclusion ?

• Specific responses by the Savings Banks "acting
  for progress"
• Financing micro-credit, introducing business
  start-ups to banking, support and coaching
• Battle against forms of exclusion
• 3 areas of intervention
• integration through employment
• autonomy (of elderly or sick people or those with
  disabilities - basic knowledge - fundamental
  needs)
• social link (integration through culture, sport,
  environmental protection encouraging social
  cohesion)

8
How do French Savings Banks operate in the field
of financial exclusion ?

• Responses by the Savings Banks teaching about
  money through
• The know-how and thoughtfulness of our employees
• Specific training actions association "Finance
  and Education"
• knowledge of the banking system (management
  of means of payment)
  
  everyday management of money
  (budget, consumption, etc.) access to credit
  and debt overload.