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News

25.05.2016

Group insurance for your employees' building projects

Since 1/4/2016, the variable interest rate charged on advances has decreased from 2.75% to 2.35%. This offers additional opportunities for employees of yours with housing projects they wish to carry out.

Whether to build, buy or renovate, AG Insurance has several customized solutions for your employees.

In fact, besides advances, reinstatement (endowment mortgage) loans, pledge loans and using group life insurance as an alternative to outstanding balance insurance are attractive packages for your younger employees, whose pension plan reserves are still limited in size.

Advance

The principle is simple: through his group insurance, the employee saves up a supplementary pension capital that will be paid out to him on retirement.
The advance (1) allows him to use the already constituted savings in order to:

  • finance the purchase, construction, improvement, repair or conversion of a property
    that is located in the European Economic Area and producing taxable income.
  • repay a mortgage loan previously granted and intended for any one of the above purposes.

Reinstatement (endowment mortgage) loan

Your employee takes out a mortgage loan from a financial institution and pays only the interest.

The mortgage capital is repaid at the end of the contract via the pension capital built up at that time through the group insurance.

The group insurance is linked to the mortgage loan and is used to reinstate the capital borrowed.

Pledge loan

The group insurance is pledged to the financial institution that extends credit to your employee, and serves to guarantee the repayment of the credit.

The pledge is an interesting option because the financial institution has an additional warranty.
In this way your employee enjoys an increased borrowing capacity where the value of the property is insufficient to secure the loan.

Finally, the pledge can be a valuable tool for negotiating a more favourable rate. While it does not generate any tax benefit, this solution is free of charges.

An alternative to outstanding balance insurance

When the death benefit of a group insurance contract is used as an alternative solution to outstanding balance insurance, this amount will be paid to the bank in the event of death in order to reimburse the outstanding mortgage debt.
  
(1) The employer must expressly provide in the group insurance regulations for the possibility of advances on benefits. 

(Source: EB Minutes AG Employee Benefits)
News

01.08.2019

BNP Paribas Group, second quarter 2019 results

The business of BNP Paribas was up this quarter in a context where economic growth remained positive in Europe but slowed down, implying expectations of a continued low interest rate environment.

Director and Chief Executive Officer of BNP Paribas, Jean-Laurent Bonnafé:
BNP Paribas delivered in the first half an increase in net income at 4.4 billion euros. Revenues were up thanks to business growth in the operating divisions. Operating expenses were well contained and benefitted from the transformation plan, generating a positive jaws effect. The common equity Tier 1 ratio rose to 11.9%, illustrating the Group’s solid balance sheet. New digital experiences rolled out for customers are a success and the Group is actively executing its ambitious policy of engagement in society. I would like to thank all the employees of the Group for their dedicated efforts to achieve these good results.



One pager with the results
The press release

News

03.05.2019

BNP Paribas Group, first quarter 2019 results

The business of BNP Paribas was up this quarter for the three operating divisions with in particular a gradual upturn in the business of CIB. Economic growth slowed down in Europe but remained positive. After the crisis in the markets at the end of 2018, the market context remained lackluster at the beginning of the quarter, but improved towards the end of the period.

Director and Chief Executive Officer of BNP Paribas, Jean-Laurent Bonnafé:
“BNP Paribas delivered a good level of result this quarter, at 1.9 billion euros. Revenues were up thanks to business growth in the operating divisions with in particular an upturn in client business at CIB. Operating expenses were well contained and benefitted from cost saving measures, generating a positive jaws effect.”

BNP Q1 2019 results 1

BNP Q1 2019 results 2

One pager with the results
The press release

News

16.04.2019

Do companies really want a more sustainable world?

Yes, the success of our Sustainable Business Ateliers is good proof of that. Most companies are aware of their social responsibility, but some are in need of information. To help them on their way, BNP Paribas Fortis organises regular regional Sustainable Business Workshops. Last year, our bank organised two pilot sessions in Liège and Limburg and more recently it was the turn of Namur, Gits (in West Flanders) and Ghent. Other Belgian cities will be announced soon.

Programme

During the Sustainable Business Workshops the invited clients are inspired by the experts from our Sustainable Business Competence Centre, and by other clients who speak about the actions they have already taken with their business.

After the presentations, participants are divided into groups and share experiences led by a moderator.

How do clients rate them?

Feedback from the participants revealed that the focus on cooperation and networking opportunities are the greatest advantages of the Workshops. Those attending always include representatives of small, medium-sized and large businesses from a variety of sectors - a diversity which participants find highly enriching. After all, no single company can overcome all of the present challenges on its own. Companies will not only have to cooperate with one another, but also with the government, universities, startups, etc. to make progress.

According to the participants, BNP Paribas Fortis is also the only financial service provider that goes great lengths to support companies in the area of sustainable business, by analysing at which stage of the sustainable business path the companies are and by guiding them to use sustainability as an opportunity for their activities.

Do you want to participate in one of our Sustainable Business Workshops? Please contact your Relationship Manager for the practical details.

Not a client yet? And do you want to know more about the guidance we offer and the benefits of sustainability for your company? Discover what our Sustainable Business Competence Centre can do for you.

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