2.5 Financial inclusion and accessibility Societe Generale’s International Networks constantly seek to enhance the specific expertise needed in financing very small and micro-businesses which are very often vital to the economic and social development of their countries but which, up until now, have had very little access to banking services. Several areas of development in particular were adopted by Societe Generale Morocco in order to contribute to this effect to make banking more accessible. Customers with a serious health risk In France As part of the AERAS agreement (s’Assurer et Emprunter avec un Risque Aggravé de Santé) signed in 2007 and revised in 2011 between banking and insurance professionals in order to facilitate access to insurance and credit for customers with a serious health risk, Societe Generale facilitates access to credit (home and consumer) as banking and insurance professionals cover some of the additional premiums charged to those within the lowest income bracket. In the Czech Republic, 12,000 beneficiaries of “my payment ins uranc e” Since 2011, Komerční banka (more than 8,800 employees at the end of 2012) has offered an insurance product, “my payment insurance”, intended for customers who hold a current account that allows them to secure payment for basic services (rent, electricity and other utilities, education, etc.) in the event of serious life incidents (long-term illness, disability following an accident), combined with compensation to beneficiaries in the event of death. 34 More information in http://www.kb.cz
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