Real Estate

  All purchases related to real estate assets, installations and all purchases related to the external general services (reception, cleaning and guarding).

  IT hardware (cf. Technology)

Technology

  All purchases related to technology: hardware (IT or telecoms), services (IT and telecoms ), software, IT consultancy or telecoms expenditure

  Office fittings for the installation of equipment, such as wiring (cf. Real Estate) or printers, photocopiers, (cf. General Services); or banking equipment. (cf. Banking Services)

Banking Services

  All purchases or subcontracting of specific services in the banking activity (in particular for retail banking) and security services linked to security fund transport, to equipment and supports referring to means of payment (ATM, banking cards, cheques and processing machines) to outsourced client management.

  Commercial printed matter (cf. Communication & Marketing)

Information

  All purchases related to the need for external information and intermediation: commissions, dealing rooms, and subscriptions

  Au hardware (cf. Technologie)

Travel

  All purchases related to individual or group professional trips.

  Vehicle fleets (cf. Professional Services);

  Service except travel + hotels of Seminars and Events (cf. Communication & Marketing)

Professional Services

All purchases related to consultancy fees (strategic, legal, technology, fiscal, audit) and to outsourcing accountancy and invoicing management
  All purchases related to personnel: temporary workers, recruitment fees, training, moving abroad, social security benefits, cars, outplacement, pay roll management

  Architect fees (cf. Real Estate), Communication agencies fees (cf. Communication & Marketing)

General Services

  All the purchases or sub-contracting of general services (postage, general external services such as catering, office equipment and supplies like blank paper )

  The "non-blank" paper (for example with a logo) (cf. Communication & Marketing), or the arrangement of office space and out sourced services (reception, cleaning and guarding) ( cf. Real Estate)

Communication and Marketing

  All purchases related to products and services generated by the communication and marketing activity of the Group

  Postage (cf. General Services)

Insurance

  All insurances premiums and insurance brokers fees for all reasons for cover, on own account and for the account of customers

  Social Security or equivalent (cf.. Human Resources )

  All non procurable expenses, like taxes

  Funding, staff costs