Worldline - Registration Document 2016

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Operation and financial review Commercial activity

Commercial activity 9.9

Main signatures

9.9.1

product roadmap of the Company and perfectly illustrate its presented thereafter. These signatures confirm the quality of the trends of non-cash payment in Europe, on international growth strategy, which is based, beyond the secular growth 2017 Commercial activity was satisfactory, particularly in terms customers. Main achievements per Global Business Lines are of new customers gained and new solutions sold to existing

won the ATM Global management contract for a French Capitalizing on an existing client relationship, the Group has ● bank. digital transformation was reconfirmed by the extension of the The Group’s ambition to support financial institutions in their aim to develop further digital services for customers. Beyond business relationship with Sparda-bank for six years, with the further growth with Philippine’s EastWest Bank choosing the Europe, the payments security services business achieved solution by the Bank of Bhutan. Group’s ACS solution and the launch of a prepaid currency card services have shown good progress with a further HCE launch In the broader sense of innovation, the mobile payments and a pilot for mobile person to person (“P2P”) payments. good traction in continental Europe. To secure further future Furthermore, Worldline’s Instant Payments solution has shown development programs “Virtual Accounts” and “Payments 2.0”. growth, the Group went into production of phase 1 for its API (Application Programming Interface) developer portal, which The Group reached a new innovative milestone by launching an co-creation of products, services and solutions. will accelerate the time-to-market for clients and supports customers or new services sold to existing customers). Indeed, been solid in 2016, with a high level of new business signed (new particular: significant new contracts were signed in 2016 and include in Commercial activity in Mobility & e-Transactional Services has cutting edge semantic search service, allowing real time services, access to various banking services including payment The provision of a omni-channel Cloud Contact solution ● the cloud including voice, chat, email and video as well as a for a large French bank: Worldline will provide a solution in program to two new strategical geographies in an The extension of the current B/S/H “Home Connect” ● B/S/H appliances; enlarged scope in order to connect tens of millions of Germany a state of the art ticketing retail system according In e-Ticketing, the Group will implement for a city in ● to German regulation and eTicketing standard. 800 million companies per annum through 6 public transport passengers will be served by the connected transport covers the provision of ticketing services, as well as the companies operating in major German cities. The solution In e-Consumer & Mobility: ● Mobility & e-Transactional Services

expansion of value added solutions and innovation.

Merchant Services &Terminals

Dutch banks for three years. In Online Services, a number of the Netherlands, as well as the renewals of major contracts with positive momentum, with new retail customers in France and in Netherlands. The Payment Terminal division confirmed its new contracts were signed with various large enterprises and of Worldline omni-channel solutions included in particular the governmental institutions in France. The commercial successes solutions with several large European retailers or brands. implementation of digital retail concepts and of merchant wallet extended all major contracts with retailers in Belgium and in the since the introduction of a specific pricing structure, and payment for low value purchases, which increased by over 30% its market leader position in Benelux and notably promoted card dynamic in 2016. In Commercial Acquiring, Worldline maintained The commercial activity in Merchant Services & Terminals was markets across Europe. In this respect: renewal and extension of key contracts in the Group’s home Germany for payment back-office processing, as well as the included the win of several new clients such as Degussa Bank in Key commercial successes of Financial Services in 2016 Finnish bank OP was extended until 2025 and a new In December 2016, the card processing contract with the ● cardholder customer service. Also, Danske Bank chose contract was signed for the outsourcing of the bank’s 3D-Secure in Denmark, Sweden, Finland, Norway and the Worldline’s ACS solution to secure e-commerce with Worldline’s footprint in the Nordic market; United Kingdom. These two contracts further strengthen The iDEAL processing contract with ING was extended as ● with electronic identity services for the Dutch community well, with more complete iDEAL functionalities combined itself as a trusted supplier of these functionalities and is (iDIN). Through this deal, equensWorldline has positioned Dutch banking groups; confident its technologies will also be of interest to other Financial Services

related accounting and payment;

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Worldline 2016 Registration Document