Anticipation is at the heart of our management: we consider all life events that might influence your portfolio’s structure. We rule out any final diagnosis as well as any a priori diagnosis. We base ourselves on a personalised assessment of your needs and provide relevant answers, allowing you to look towards the future. Our private bankers cultivate advice based on needs, independence, quality, and the search for tailored solutions that can be adapted over time. As an expert adviser, your private banker studies the various consolidation, investment, and wealth transmission possibilities with you in order to offer a relevant global solution. We have developed an approach based on your needs and your interests. Our private bankers work in open architecture and constantly focus their concerns on the interests of their clients. We also put strong expertise in unlisted equity companies at your service, which is important to support entrepreneurs, including startuppers. We offer them personalised management and wealth packages adapted to their constraints, in particular concerning ABSAs (shares with warrants) and BSPCE (warrants for subscription to business creator shares), managed through holding companies, share savings plans (PEA), and life assurance policies. Inter-professionalism is at the heart of our contemporary approach to wealth manage- ment; it is crucial and a source of value in our business. This is why we are developing close cooperation with our network of specifiers. Our goals for the years to come Accelerate our development, establish our brand and develop our expertise, and attract new talents. Build a unique relationship, a real long-term partnership, based on trust, with our clients. Continue to provide you with the best advice and draw on all the sources of value creation in your private and professional portfolios. Jean Danckaert, Chairman of the Executive Board Banque Richelieu France Christophe Boulanger, Member of the Executive Board Banque Richelieu France Sylvain Fondeur, Member of the Executive Board Banque Richelieu France ACTIVITY REPORT 9