Barclays’ European Payments Forum 11 September 2012 HTTS: High-Tech Transactional Services A strong recurring sustainable added value growth engine Barclays, Sep 11 th 2012 Transactional services. Powering progress 1
Barclays’ European Our real-time, interactive world is about transactions and Payments Forum connections. This is what HTTS is all about: delivering B- to-B-to-C end-to-end digital services across all industries 11 September 2012 High-Tech Transactional Services ATOS HTTS End users’ Result oriented needs and for our B-to-B during design, customers behaviours build to run Platforms & services Payments ( € 0.7B) eCS ( € 0.5B) Card Payments Processing Loyalty, CRM, Smart Ticketing , kiosks… • Online Payments E-commerce, E-administration, … • Mobile Payments M-Commerce, connected cars, M-banking … • and : E-tolling , Radars, etc… 2
Strong commondities between Barclays’ European Payments Forum Payment and eCS transactions 11 September 2012 ▶ End Consumer Volume driven – Double digit growth of e-commerce (Mobile eCommerce revenues across Europe will rise from € 1.7 billion in 2011 to € 19.2 billion in 2017, reaching 6.8% of total web sales. Forrester 2012) – 12.7 percent growth of smartphones devices (IDC Worldwide Smartphone 2012-2016 Compound Annual Growth Rate – June 2012) ▶ Same techonological challenges Technological – Real time, highly secured, industrial volumes, components scalability – All connectivity technologies needed (M2M, mobile, IP…) ▶ Same business areas Transactional – Retail and commerce sales – Banking – Administrations, etc. Two similar business models One industrial logic in Atos through HTTS 3
Barclays’ European The HTTS business line is an important Payments Forum source of profitable growth. 11 September 2012 ▶ +4.4% revenue organic growth ER H1 2012 vs. H1 2011 with a total half year revenue of 596.6 millions euros driven by strong organic growth from our international expansion (HTTS new countries) ▶ 15%+ operating margin level and 20%+ EBITDA ▶ We are delivering a significant, resilient and sustainable growth because – our digital services are pervasive in the day to day connected world – the overall volume of electronic transactions is growing fast and steady – our contracts are multi years recurring and predictable commitments signed with top companies in many industries around the world 4
Barclays’ European An example based on connected cars Payments Forum 11 September 2012 ▶ Locate my car ▶ Email ▶ Twitter ▶ Fuel prices, Fleet Fuel cards, Fuel card fraud detection ▶ Fleet Usage Statistics, Fuel card fraud detection, VAT montly netting ▶ Parking free places , SMS Parking payment ▶ Push ▶ Traffic info ▶ Speed radars, Fine mobile collection ▶ Google Search ▶ Google Send-to-Car ▶ Weather actual & forecast 5
HTTS – Payments services Barclays’ European Payments Forum Facts & Figures € 0.7 B 11 September 2012 ▶ 2.2 billion acquiring ▶ 153 million withdrawals transactions ▶ 374 million remote payments ▶ 28 million credit cards and ▶ 34 million mobile phone prepaid debit cards transactions ▶ 5 million fuel cards ▶ 477 000 terminals worldwide In Continental Europe ▶ #1 Internet Payment Gateway* ▶ #2 largest acquiring processor * In Benelux ▶ #1 Commercial acquirer * : based on Atos estimates 6
HTTS Payment Services Barclays’ European Payments Forum 11 September 2012 Atos Assets and Expertise Opportunities and Challenges Card Payments Processing Services • Good volume growth (5-10% in western Europe / 25%-40% in emerging markets) • Strong position in the whole value chain • Regulatory and price pressure driving need • New solutions for industrial scale for scale and innovation Commercial Acquiring • Leadership position in Benelux market • Roll-out in new countries to capture better • Strong relations with international margin through an end to end client facing retailers in several countries service Remote payments • ePayments: proven solution, extensive • Leverage our position in Financial and services – Unrivalled Leadership in France Telcom markets to catch continuous • mPayments: strong cooperation with Banks growth in mobile and e-commerce payments and Mobile Network Operators in several across all geographies. countries. Scheme Processing • Reuse solutions in new markets (e.g. • Mutualised Payment Scheme gateway: front- utilities) office switching and back-office clearing and settlement. 7
HTTS geographical development Barclays’ European Payments Forum 11 September 2012 Northern Europe UK & Benelux Ireland Germany France Central & Iberia Eastern Europe Asia Pacific Atos Worldline Latin America Other HTTS countries New development geographies 8
Barclays’ European Our customers value our flexible, fast and low Payments Forum investment model and embed our services in 11 September 2012 multi year contracts. High-Tech Transactional Services Geared for End to end Alternative Functional Commercial industrial commitments business expertise , and technical volumes , (e.g. model: from innovative agility to mission-critical performance Capex to end-user provide applications levels, Opex, experience, tailor-made with peak- compliancy, transaction compliancy service with a flows availability, fees , cost with fine tuned and data capacity to predictability standards price model security manage peaks requirements traffic) P RODUCTION M ODEL B USINESS M ODEL ▶ Own software assets ▶ Shared risks and success ▶ Business knowledge assets ▶ Limited initial set-up expenditure ▶ Best in class processing assets ▶ Based on client business metrics 9
HTTS main growth drivers Barclays’ European Payments Forum 11 September 2012 High-Tech Transactional Services Structural growth in payment (e-commerce Operations in fast Connectivity and and e-payment) growing economies: connected devices Supported by regulatory, number booming Asia and India technological and cultural changes Leveraging other Atos geographies to Strong investment in innovation and develop HTTS : R&D to maintain state of the art HTTS Central & Northern Europe solutions up-to-date and Latin America Targeted acquisitions strategy with financial discipline 10
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