Stephan Lebechec Mobile: + 41 79 895 80 55 stephane.lebechec@padusconsulting.ch

1. PADUS CONSULTING
Solutions for structural banking challenges

2. Managing strategic and tactical implementation
Europe London Africa G.C.C. Asia
Delivering structural recommendations
Understanding C-suite prerogatives
Across a Bank’s organization
Asset & Liability
management
Operations
Human
Resources
Risk Functions
Trained to solve critical risks and implement business opportunities in
Retail Banking
Asset & Wealth
Management
Corporate &
Investment Banking
HOWWEAREDIFFERENT
A unique insider knowledge
Efficient
Discreet
Humble
Trustworthy

3. THINKINGDIFFERENTLY
In Resolving your challenges regarding … … via a different approach
Empathetic
Analytical
Insider
Expert
Creative
• Strategy
• Allocation and
monitoring
ROA, ROE
and COI
• Strategy
• Monitoring tools
and objectives
Performance
management
• Regulatory
adhesion
• Decision process
and Governance
Risks control
framework
Our services scope

4. OUR APPROACH TOWARDS SOLVING YOUR
CHALLENGES
Contractual agreement Investigation phase Diagnostic phase Implementation

5. ACTINGDIFFERENTLY
Diagnostic phase
Investigation phase
Conclusions
Clear mandate
Definition of the scope of our mission
Mission duration
Clear identification
of your
requirements
Translation of your
requirements into
specific analysis
streams
Identification of all
internal
departments
involved
Contractual agreement
You requirements will be translated into specific analysis streams:
 How problematic areas are currently handled within your
organization
 On which data they rely, how accurate this data is and how it is
circulated throughout your organization
 Your staff capabilities
 Your processes and procedures, including as to decision-making
At the end of this phase, conclusions will be presented highlighting
any discrepancies between what should be done and what is
currently being done to achieve your goals.
Based upon the diagnostic validated by you, we will:
 Assess the quantitative impacts of your current organization on
your risk and revenue goals
 Devise the required and pragmatic solutions to address these
 Assess implementation costs
 Diagnostic stage conclusions are shared with and validated by
all heads of department involved in the process.
We will remain involved in the implementation phase to insure our accountability
towards you
Board presentation
Findings Recommendations
1
3
2
4

6. CREDENTIALS
Europe
UK
Africa
G.C.C.
Asia

7. KEYACHIEVEMENTS(1/3)
ROA, ROE and COI challenges Key achievements
Wealth
Management
Development of new products and improvement of
distribution channels; Implementation of a cross-selling
strategy with the Investment Bank
Shifting from a multi-site booking and marketing model to
a central single one with client migration and service
implications
Tangible results: ROA increased by 10 points, COI reduced
to 63%, Net New Assets of USDM 650 generated (1)
Investment
Banking
New criteria defined for: (a) asset allocation per country
and client segmentation;
(b) ROE at individual and portfolio level for credit
committee approval; (c) RWA consumption
New criteria defined for capital allocation to non-listed
investments
Tangible results: Assets -45%; ROE +300 bps; cross selling
between lending, cash management and FI increased (2)
Retail
Banking
Credit-risk scoring methodology testing /back-testing and
building methodologies
Refocusing on more profitable revenue channels such as
internet and third party
Imposing cross-selling to reduce RWA exposure and
improve asset allocation process
Tangible results: Improved credit scoring profitability;
reduced Assets by 33% and increased ROE by 200 bps (3)
• Strategy
• Allocation and
monitoring
ROA, ROE
and COI
• Monitoring tools
and objectives
• KPIs
Performance
management
• Decision process
and monitoring
• Regulatory
implications
Risks control
framework
(1) From year one
(2) & (3) Over two years time

8. KEYACHIEVEMENTS(2/3)
Performance management challenges Key achievements
Wealth
Management
Definition of a 3 year business plan focused on UHNWI
clients, monitored at executive level
New KPIs insuring coherence between revenue target and
risk taking (product miss-selling)
New cross-selling dashboard emphasis on IB and
institutional AM product delivery to UHNW clients
Tangible results: Increase in UHNW client revenue by 35%
(1)
Investment
Banking
Definition of a 3 years business plan focused on improving
cross-selling and RWAs
New governance dashboard and forum monitoring
revenue, liquidity and capital per country and per client
(2)
Tangible results: Increased revenue by 45%; closed
unprofitable business units; became a net positive USD
liquidity provider
Retail
Banking
Implementation of frame-work to monitor ancillary
business on a stand-alone credit decision basis
Introduced credit scoring monitoring on quarterly basis
Introduced cross-selling KPIs with IB division for mid-caps
Tangible results: Increased revenue by 30% and credit
scoring performance acceptance
• Allocation and
monitoring
• Cost of capital
ROA, ROE
and COI
• Strategy
• Monitoring tools and
objectives
Performance
management
• Decision process
and monitoring
• Regulatory
implications
Risks control
framework
(1) An example of successful strategy execution without creating a
dedicated UHNWI client team
(2) For the first time, funding capability was entirely part of the
decision process

9. KEYACHIEVEMENTS(3/3)
Risks control framework challenges Key achievements
• UAE, KSA, Kuwait,
Qatar and Bahrain
GCC
countries
• Monitoring tools
and objectives
• KPIs
Performance
management
• Regulatory
adhesion
• Decision process
and monitoring
Risks control
framework
Regional
regulatory
topics
Implementing new procedures and processes to improve
cross-border rules (marketing and product registration)
and regulatory ratios adherence
For business development purposes: Opening of new
licenses in: Saudi Arabia, South Africa, Indonesia, Bahrain
and Qatar (1)
Tangible results: Avoidance of legal & reputational risks;
adherence to all regulatory ratios without raising capital
Basel II /
Investment
Banking
Reviewing Governance, GRR, ratings (back testing /stress
testing), aligning of Finance and Risk data and credit
policies of IB activities
Optimization of capital computation & allocation method
for the Banking book
Tangible results: BNP Paribas Investment Banking globally
was certified under the Basel II advanced approach*
Basel II /
Retail
Banking
Reviewing Governance, GRR, ratings (back testing /stress
testing), aligning of Finance and Risk data and credit
policies of RB activities (2)
Improving credit scoring methodology and documentation
as well as back / stress testing methodology
Tangible results: BNP Paribas Retail Banking globally was
certified under the Basel II advanced approach*
• (1) We have informally advised UAE Central Bank Basel II Certification team
• (2) Assessing more than EURB 60 credit risk exposure on French retail banking BDDF,
Cetelem consumer Finance and BPLG leasing solutions
• (*) Our work was audited and validated by Commission Bancaire French Regulator

10. ABOUT US

11. STEPHANELEBECHEC‘SPROFILE
Career overview Way of thinking
My ethics
BIO
A strategic, analytical and decisive
banking professional with experience in
leading global and regional key projects
impacting risk, liquidity, and return on
equity management across the Retail,
Investment Banking and Asset & Wealth
Management businesses. Reported
directly for 5 years to BNP Paribas Group
CEO. 15 years experience in finance and
banking, mainly at BNP Paribas at various
positions, such as Quant risk modelling,
inspecteur and head of mission at
Inspection General as well as Regional
Head of business development & strategy
for MEA regions.
DIPLOMAS
Master, Mathematics Engineering,
University of Amiens, France
Personal achievement
Apart from raising two beautiful daughters with my wife, the
achievement I derive most pride from is that of providing full
care and support to a family member during a period of two
years. This family member contracted an acute disease in
2013 and despite medical prognosis is living a vibrant life
today.
Empathetic
Analytical
Insider
Expert
Creative
Efficient
Discreet
Humble
Trustworthy

12. CONTACTS
Contacts
Padus Consulting
215 route de Malagnou / 1224 Geneva/
Switzerland
Mobile: + 41 79 895 80 55
stephane.lebechec@padusconsulting.ch
www.padusconsulting.ch