An economic service Signing up for the YOBAN’TEL service is free (no initiation fees or monthly commissions for management of the YOBAN’TEL account). The member is not required to deposit money to receive it. Limited charges are debited on transfers; YOBAN’TEL is the most economic money transfer service in Senegal. More information in www.sgbs.sn/part_obopay.html In Serbia, the bank branch bus A mobile bus has been put in place to serve as a bank branch touring the countryside, providing limited access to the bank’s services. 2.6 Green banking offer Focus on ofers for responsible use of automobile flets In 2012, the automobile leasing subsidiary, ALD Automotive, launched the ALD newmobility programme, which proposes concrete actions to meet the new mobility expectations of its customers. Among them, ALD sharing is an autosharing solution intended to be used by all employees of a company, thus reducing the automobile fleet. In 2010, this self-service vehicle solution was put in place at the Societe Generale Group’s headquarters in La Défense. The offer is now made up of six vehicles with low CO2 emissions, including a hybrid vehicle and an electric vehicle. In 2012, the system was opened up to employee personal travel in order to optimise use for the sake of economy of functionality. ALD newmobility presents other offers combining multimodal leasing solutions: ■■ALD switch (leasing of a small car with a flat short-term rental charge, with the choice of the vehicle based on use); ■■7 WheelLease and 6 WheelLease (leasing of a car with leasing of a scooter); ■■ALD Railease (rail pass and long-term leasing of a vehicle); ■■ALD 2Wheels (long-term leasing of two-wheelers: scooters and motorbikes); ■■ALD Companybike (possibility of including a bike in the lease agreement). A guide to eco-driving in France has also been published in order to advise drivers about a driving style with less impact on the environment (25% decrease in consumption on average). In addition, ALD Automotive offers a range of support services in the establishment of an approach that is more respectful of the environment, ALD bluefeet (analysis and lever for reduction of CO2 emissions of the fleet, offsetting programme, eco-driving training). Gren solutions for financing and insuring vehicles Societe Generale offered a “green” loan in its Essentiel Auto offer for the financing of a hybrid or electric car at a preferential rate of 4.20% (fixed APR) until 31 October 2012 over a term of 12 to 84 months. As of 31 December 2012, 284 Expresso Voitures Propres loans have been disbursed for EUR 4.34 million. With the Plus of Sogessur’s auto insurance offer, infrequent drivers (less than 6,000 km/year) and owners of clean vehicles (emitting less than 120 g of CO2/km) enjoy pricing benefits. 36 Christophe Duprat, Strategy Director, ALD International, tells us… ALD newmobility ALD Automotive has always placed sustainable mobility at the heart of its development policy. In this perspective and in order to meet the new mobility challenges and expectations, ALD Automotive launched ALD newmobility in 2012, a label reflecting the mobility of tomorrow. The ALD Automotive entities of western European and the North, very advanced in this area, have become the Group’s “mobility laboratories”. In these countries, ALD Automotive experiments and rolls out concrete, innovative solutions to meet the new mobility expectations of its customers. Today, the ALD newmobility programme offers a diverse range of products and services adapted to new mobility needs: small car, two-wheeler, carsharing, multimodal, bicycle, etc. (ALD sharing, ALD 2wheels, ALD switch, ALD railease, ALD companybike, etc.). These differentiating solutions actively help to promote sustainable, cost-effective mobility for both employees and their employers.
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