Who we are - Febelfinfiles.febelfin.be/Febelfin_Brochure/files/assets/common/downloads/... · the...

Who we are 1.1 Our mission ....................................................... 4 1.2 Our value ........................................................... 5 1.3 Our strategic goals ............................................ 5

What we do 2.1 Our tasks ........................................................... 6 2.2 Supplementary tasks ......................................... 8 2.3FebelfinAcademy .............................................. 8 2.4Febelfinelectronicplatforms .............................. 9

Governance 3.1Febelfinassociationsandmembers .................11 3.2 Constituent associations .................................. 12 3.3FebelfinDirectors ............................................ 16 3.4Febelfininternalgovernance ........................... 20 3.5 Committees and working groups ..................... 22

Membership 4.1 Inspirational dialogue....................................... 23 4.2RegularmeetingsofExecutiveCommittee andBoardofDirectors .................................... 24 4.3 Who can become a member? ......................... 25

Becoming a member 5.1 How to become a member .............................. 26 5.2Membershipfees ............................................. 27 5.3Applicationforms ............................................. 29

DearMadam, DearSir,

We have the pleasure of inviting your institution to become amemberoftheFebelfintradeorganisation.

Asyouprobablyknow,anumberofotherinstitutionshavebeenmembersofFebelfinforseveralyears.

In Belgium, membership of the sector trade association isnot mandatory. However, this membership enhances theinterprofessionalsolidarity,whichisofutmostimportancenowthatcompetition is growing sharper by the day.

Ifyouareinterested,itwillofcoursebeapleasureforustoprovideyouadditionalinformationontheservicesthatareatthedisposalofourmembers,andonthemembershipfees.

Mrs. Wien De Geyter, Secretary-General of Febelfin, will bepleasedtotellyoumoreaboutFebelfin’smissionandtheservicesitcanoffer.

Yourssincerely,

KarelVanEetvelt CEOFebelfin

4

WHO WE AREW

ho w

e ar

e 1.1 Our mission

Febelfin, the Belgian Financial Sector Federation, is the umbrellaorganisation and anon-profitassociation.

Febelfin aims to bring together financial service providers & everyonestrivingforafuture-prooffinancialsector.

Febelfinregroupsthefollowingassociations: x TheBelgianBankers’andStockbrokingFirms’Association(ABB-BVB) x TheBelgianAssetManagersAssociation(BEAMA) x TheProfessionalAssociationofCreditProviders(UPC-BVK) x TheBelgianAssociationofStockExchangeMembers(BASEM) x TheBelgianLeasingAssociation(BLA)

TheconstituentassociationsoftheFederationhavejoinedtheirresourceswhileholdingontotheirautonomy.EachassociationhasitsownBoardofDirectorsorExecutiveCommittee.Febelfinistheumbrellaorganisationandhas itsownBoardofDirectors inwhich theotherassociationsarerepresented.

Whenyoubuildbridges, you can keep crossing them.

Rick Pitino

5

1.2 Our values

Febelfinsharesthevaluesofthesectoritrepresents: x Sustainable x Reliable x Open

Togetherwithitsmembers,Febelfinaimstoexpressthesevaluesthroughthe messages and viewpoints the sector communicates. By adopting aproactiveattitudeaswell asmaximumopenness, it seeks toengageconstructively and positively in the general social debate and to keep in touch with developments in society.

Atthesametime,Febelfintakesfullaccountofthepriorityissuesofthedifferentpressuregroupsanddetermineshowtorespondtotheirviewsinthe best possible way.

1.3 Our strategic goals1. Meetingeverydayfinancialneedsforallstagesoflife.

2. Giving the right answers to the Financing Needs of Individuals,CompaniesandPublicAuthoritiesandtheirProjects.

3. BringingInnovative,Safe&High-qualityFinancialServiceswithinthereachofallCitizens.

4. Working onStable,Sustainable andFairRegulatory andBusinessEnvironment.

5. Engagingwiththosewhobelieveinsustainablefinancialsectorwithadeepunderstandingofsocietalneeds.

6

WHAT WE DOW

hat w

e do

2.1 Our tasks x Positiondeterminationbymembersformembers x DefendinginterestsinBelgiumandEurope,takingpartinsocial negotiations

x Providingservices(information,counselingandtraining) x Communication and taking part in debates

Febelfin puts its staff members, expertise, know-how and the tools ithasdeveloped,atthedisposalofthosewhoneedthis.Westrivetogetbankingandfinance issueson theagendaofnationaland internationalpolicy makers.

Febelfin monitors trends and developments and helps its members positionthemselvesaccordingly.FebelfinhascreatedspecialistcommitteesandworkinggroupsinordertopreparethedecisionsinmattersthatareofinterestfortheFederation.Amembercanhavearepresentativeinoneorseveralofthesegroupsorcommittees.

Tohearonevoiceclearly, wemusthavefreedomtohearthemall

Kerry Brock

7

Febelfin defendstheviewsandinterestsofitsmembersandacceptsthechallengeofplayinganimportantroleasabridgebetweenitsmembersanda rangeof national (e.g. theFederationofEnterprises inBelgium,the Belgian Deposit-Guarantee System, the International Chamber ofCommerce,...)andEuropeanparties,includingpolicymakers,supervisoryauthorities,tradefederationsandinterestgroups,suchasforinstancetheEuropeanBankingFederation(EBF),theEuropeanAssetManagementAssociation(EFAMA),theEuropeanMortgageFederation,theEuropeanPaymentsCouncil(EPC).

Febelfin informs and advises its members on legal, tax, prudentialand industrial relations issues as well as on technical product matters. Other important tasks are image building and communication.

8

2.2 Supplementary tasks x BelgianMediationServiceforthefinancialsector x TrainingfortheBelgianfinancialsector:FebelfinAcademy (foundedinNovember2006)

x CollectiveLabourAgreements y Intersector level y Sectorlevel(Febelfinheadingthebankers’delegation)

2.3FebelfinAcademyThe Febelfin Academy training institute (non-profit organisation) is aprivilegedpartnerofthefinancialsectorwhodirectlydrawsitsexpertisein training from a close collaboration with all members of the Belgianfinancialsector.

the mission rests on three pillars:

x Offerhighqualityandtopicaltrainingprogrammesfocusedonthefinancialtechniques y groupseminars,classesandconferences y simulationsinthefieldoffinancialtechniques y academic programmes y distancelearningande-learning

x Providecustomizedtrainingprogrammesorondemandtrainingad-vicetomembersoffebelfinorotherfinancialfirms.

x Developorparticipateinprojectscontributingtothedevelopmentoftraininginthefinancialsector.

WHAT WE DO

9

2.4Febelfinelectronicplatforms

MON ARGENTET MOI.BE

JOBS INBANKING.BE

SAFEINTERNETBANKING.BE

BANKING FOR SOCIETYA road to a more sustainable and vigorous �nancial sector

General

For consumers

10

For companies

For members

FINANCEMENT DESENTREPRISES.BE

SEPAbelgium.be

Febel�n Net

WHAT WE DO

11

Gov

erna

nce 3.1Febelfinassociationsandmembers

Febelfinrepresentsmorethan270financialinstitutionsinBelgium. Itconsistsof5 constituent associations and 10 associate members with a special status.

Constituent associations

Associate members

Role x General meetings x BoardofDirectors x ExecutiveCommittee

RepresentativeJohanThijs(KBCGroup)

12

GOVERNANCE

3.2 Constituent associationsABB/BVB

TheBelgianBankers’andStockbrokingFirms‘AssociationistheresultofamergerbetweentheBelgianBankers’Association(ABB-BVB,createdin1936)andtheBelgianAssociationofStockExchangeMembers(BASEM,createdin1995).SinceJanuary,1st,2005,ABB-BVBhasbeenactingasatradeassociationforbanksandstockbrokingfirmsestablishedinBelgium.

ABB-BVBrepresents99 banks.

Role x General meetings x BoardofDirectors

RepresentativeJohanThijs(KBCGroup)

13

UPC/BVK

UPC-BVK is a trade association representing the sector of lending toprivatecustomers,i.e.consumercreditandmortgageloans.Itsmembersincludevariousinstitutionssuchas:

x banks x insurance companies x financialinstitutions(someofwhichofferleasingaswell) x mortgage credit companies x credit insurance companies x distributioncompaniesorsubsidiariesofdistributioncompanieswhichhavebeenauthorizedtoprovideconsumercredit

x companies issuing credit cards

UPC-BVKrepresents56 members.

Role x General meetings x ExecutiveCommitteeorBoardofDirectors x Bureau x Secretariate

RepresentativeGuySchellinck(Beobank)

14

BEAMA

TheBelgianAssetManagersAssociation (which has opted for BelgianAssetManagersAssociation,BEAMAinshort,asitstradename),consistsof two associationswhichmergedonMarch25,2004: theAssociationbelge des Organismes de Placement Collectif (ABOPC/BVICB) andtheAssociation belge des Gestionnaires de Fortune et Conseillers enPlacements(ABGC/BVVB).

BEAMArepresents117 members.

Role x General meetings x ExecutiveCommittee x Secretariate

RepresentativeMarnixArickx(BNPParibasAssetManagementBelgium)

GOVERNANCE

15

BLA

The Belgian Leasing Association (BLA) represents lease companiesspecialised in leasing.

BLArepresents33 members.

Role x ExecutiveCommittee x Secretariate

RepresentativePatrickBeselaere(INGLeaseBelgium)

BASEM

TheaimofBASEMistobringalloftheBelgianStockExchangeplayerstogether.

BASEMrepresents22 members.

Role x General meetings x BoardofDirectors x Secretariate

RepresentativeBartelPuelinckx(KBCSecurities)

16

GOVERNANCE

3.3FebelfinDirectors

x Febelfin

Johan Thijs KBC Group Chairman

Karel Van Eetvelt Febelfin CEO

Daniel Falque KBC Bank

Marc Raisière BelfiusBank

Max Jadot BNP Paribas Fortis

x Large banks representatives

Erik Van Den Eynden ING Belgium

17

x Representatives of small and medium-sized banks

Dirk Wouters Bank van Breda Vice-Chairman

Leen Van den Neste vdk bank

Philippe Masset BankDegroofPetercam

Bartel Puelinckx KBC Securities

Lieve Mostrey Euroclear

x Representatives of niche activities

x Representatives of financial infrastructure providers and financial markets

18

GOVERNANCE

x Representatives of BEAMA

Marnix Arickx BNPParibasAssetManagementBelgium

Myriam Vanneste Candriam Investors Group

Katrin Eyckmans CapfiDelenAssetManagement

Guy Schellinck Beobank

Joanna Van Bladel BelfiusBank

x Representatives of UPC-BVK

19

Patrick Beselaere ING Lease Belgium

Frédéric Dorsimont Leleux&Ass.Brokers

x Representatives of ABL-BLV

x Representatives of BASEM

20

GOVERNANCE

3.4Febelfininternalgovernance

Karel Van Eetvelt CEOFebelfin

Wien De Geyter Secretary-GeneralFebelfin

Tom Boedts GeneralCounsel&DirectorLegalandRiskRelatedAffairs

Dirk De Cort DirectorEconomicAffairs

21

Ivo Van Bulck DirectorCommercialBanking,SecretaryGeneralUPC-BVK

Josette Leenders DirectorAsset Management& PrivateBanking,Director-GeneralBEAMA

Jean-Paul Rousseau DirectorFinancialMarkets& Infrastructure, DirectorManagerBVBL(BASEM)

Anne-Mie Ooghe Secretary General BLV(BLA)

Isabelle Marchand HeadofEuropean Affairs&DutchSpokesperson

Rodolphe de Pierpont DirectorTax&PublicAffairs&FrenchSpokesperson

22

GOVERNANCE

3.5 Committees and working groupsO

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form

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Fina

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UPC

-BVK

BoD

BEAM

A

BoD

BVBL

/ABM

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BLV-

ABL

23

Mem

bers

hip 4.1 Inspirational dialogue

We give our members inspiration that should help them to create a more sustainablebankingandfinancialsector,along-termanswertosocialandeconomicneedswithintheEuropeanandworldwidecontext.

We do this by stimulating all our members and their customers to make theirambitionsarealityandtoinvestinthefutureoffinance.Wearetheirvoice,avoicethatisclearandmakesitpossibletocreateandmaintainan open dialogue with our members and the sector as a whole. Open dialogueimplieslisteningtothewishesandneedsofallstakeholdersandtakingthemintoaccount;italsorequiresrespectandanopenmind.

We are convinced that this dialogue triggers new insights that help ourmembersandsociety inshaping the futureofbankingandfinance.Innovation andadaptation are of the utmost importance in shaping thefuture.Aspartofasocietythatisconstantlyevolving,wearecontinuouslychanging and reinventing ourselves.

What lies behind us and whatliesbeforeusaretinymatters

compared to what lies within us.RalphWaldoEmerson

24

MEMBERSHIP

4.2RegularmeetingsofExecutive CommitteeandBoardofDirectorsWehaveeverymonthameeting(exceptduringthesummerperiod)withoftheFebelfinExecutiveCommitteeand4timesayearameetingoftheBoardofDirectors:

x Aim z Taking decisions concerning matters of priority, strategy, image,specificmatters

z BeinginformedofFebelfinactivityreport(summaryofhottopicsthatare currently beingdealtwith and/or that havealreadybeendealtwith-monthlyresults)

x Disciplined Governance Process in place z StandardBoardfiles(executivesummary,explanatorynote,summaryslide)

z Some members have direct representatives within the Board ofDirectors

z Files are distributed one week in advance z MinutesaresenttoallFebelfinandABB-BVBBoardmembers

25

4.3 Who can become a member?

YES

; Banks x Smallandmedium-sizedbanks(retailandsavingsbanks) x Nicheactivities(stockbrokingfirms,foreignbanks,merchantbanks)

x Large banks x Financialmarketinstitutionsandinfrastructureproviders

; credit providers ; Assetmanagersandfunds ; Stockbrokingfirmsandstockbrokers ; Stockexchangemembers ; Leasing companies ; Euroclear ; SWIFT ; ...

NO

4 Insurance companies 4 Insurance brokers 4 Holdings 4 Pillar2pensionfunds

26

BECOMING A MEMBERB

ecom

ing

a m

embe

r 5.1 How to become a member? x FillintheapplicationformandsenditbacktoFebelfin x WesubmitittotheFebelfin/ABB-BVBBoardofDirectors x Oncetheapplicationhasbeenapproved,youwillbeaskedtopaythemembershipfee

x YounowhaveaccesstotheFebelfindocuments (invitationsforattendingmeetings,circulars,etc.)

x OurExtranetwillalsogiveyouaccesstotheinvitationforthemonthlymeetingsofthesubgroupingyourinstitutionwillbepartof

Coming together is a beginning. Keeping together is a process. Working together is success.

Henry Ford

27

5.2Membershipfees x The annual fee to be paid by a Febelfin associate member

The fee for associatemembers is freely negotiated. It depends on theservice provision agreed upon (circulars, participation in Committees/WorkingGroups).

x The annual fee to be paid by the member banks of ABB-BVBTheannualfeetobepaidbythememberbanksofABB-BVB/Febelfiniscalculatedonthebasisofthesumoftwoparts:

First part

Thefirstpartisthe‘traditional’partofthefee,i.e.theparttobepaidbyeachmember bank as its contribution to the financing of the ‘ordinary’budgetaryenvelopeofABB-BVB.

•Theformulausedforthecalculation,isthevolumeofcustomerdeposits(withtheexceptionofthecertificatesofdepositandthebondsissuedbythebankitself),moreparticularlytheaveragecustomerdepositsturnoverfor2014-2015-2016asitappearsfromthedatainthepublishedannualaccounts.

•Inaccordancewiththisformula,aratio,withinthelimitsofthispart,willbeaskedfrommemberbanksthedepositsofwhichareequalorsuperiortothe784millionEURthreshold.Inpractice,thesumof12,749.50EURwillbeaskedperbillionEURofdeposits.

•Ifthevolumeofdepositsdoesnotequalorstaysbelowthisthreshold,afixedamountwillbeaskedfromthebankwithinthelimitsofthispartoftheannualfee.TheminimumannualfeetobepaidbybankstoABB-BVBamountsto10,200.89EUR.

28

Second part

The second part of the annual fee consists of the member banks’contribution to the expenses (140,000 EUR in total) of the EuropeanPaymentsCouncil andSEPA.Theseexpenseswill have to be paid bythemember banks as a proportion of eachmember bank’s share intothefinancingof the ‘ordinary’budgetaryenvelopeofABB-BVB(see theexplanationaboutthefirstpartofthemembershipfee).

The minimum fee (including the special contributions) amounts to10,370.15EUR.

BasisfortheMembershipfeescalculation Averagevolumeofcustomerdeposits(2014-2015-2016)

• Lessthan784millionEUR: 10,370.15EUR(incl.specialcontributions).

• Morethan784millionEUR: 12,749.50EURperbillionEURofdeposits+specialcontributions.

• Representationoffices: 5,185.07EUR

29

5.3Applicationforms

Application for Febelfin membership

Name of the institution (hereafter called ‘the prospect’) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Address in Belgium . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

E-mail address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Phone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Represented by Mrs/Mr (executive)

Mrs/Mr . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Title . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

GSM . . . . . . . . . . . . . . . . . . . . . . . . . E-mail address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

asks the Febelfin Board of Directors to take into consideration its request for becoming an associate member of Febelfin.

Reasons for membership applicaton

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

The prospect provides the documents required in order to make it possible for the Board of Directors to take a decision.

The prospect declares having been given a copy of the Febelfin mission statement (as published on the website) and bye-laws and agreeing with the provisions laid down in those documents.

The prospect declares agreeing with the existing Febelfin codes of conduct (as published on the website), in so far as they apply to its activities.

Date Signature

54

�Application for membership Febelfin

Please fill in the document on the back and return it to: Mrs De Geyter, Secretary-General

by e-mail: [email protected]

by mail:Febelfin

Rue d’Arlon / Aarlenstraat 821040 Brussels

Belgium

Application for membership ABB-BVB


. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .


. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

E-mail address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Phone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Represented by Mrs/Mr (Member of the Board of Directors)

Mrs/Mr . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Function . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .


asks the Board of Directors of ABB-BVB/Febelfin to consider its application for membership as an affiliated member of ABB-BVB/Febelfin.

The prospect wants to become a member of the following specialised section : Article 11 of the bye-laws - The prospect can opt for membership of one or several sections.

Medium- and small-size banks section

Niche activities section

Financial structure providers/financial markets section

The prospect certifies having received a copy of the ABB-BVB and Febelfin bye-laws and agrees to endorse both documents

The prospect agrees to endorse the existing ABB-BVB Codes of conduct, in so far as they are applicable to the prospect’s activities.

The prospect -if a credit institution- certifies having been informed of the existence of a number of ABB-BVB recommendations aimed at guaranteeing a level playing fied in several matters. Look at: www.febelfin.be

Date Signature

ABBBVB

mailto:[email protected]

�Application for membership Febelfin



by mail:Febelfin


Belgium

Application for membership ABB-BVB


. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .


. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

E-mail address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Phone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Represented by Mrs/Mr (Member of the Board of Directors)

Mrs/Mr . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Function . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .


asks the Board of Directors of ABB-BVB/Febelfin to consider its application for membership as an affiliated member of ABB-BVB/Febelfin.

The prospect wants to become a member of the following specialised section : Article 11 of the bye-laws - The prospect can opt for membership of one or several sections.

Medium- and small-size banks section

Niche activities section

Financial structure providers/financial markets section

The prospect certifies having received a copy of the ABB-BVB and Febelfin bye-laws and agrees to endorse both documents

The prospect agrees to endorse the existing ABB-BVB Codes of conduct, in so far as they are applicable to the prospect’s activities.

The prospect -if a credit institution- certifies having been informed of the existence of a number of ABB-BVB recommendations aimed at guaranteeing a level playing fied in several matters. Look at: www.febelfin.be

Date Signature

ABBBVB

http://www.febelfin.be/

�Application for ABB-BVB



by mail:Febelfin


Belgium

59

mailto:[email protected]

�Application for ABB-BVB



by mail:Febelfin


Belgium

59

Rued’Arlon/Aarlenstraat82-1040Brussels-Belgium Tel+32(0)25076811-Fax+32(0)28886811

www.febelfin.be

tel:+32 (0)2 507 68 11

tel:+32 (0)2 888 68 11

http://www.febelfin.be/

Who we are - Febelfinfiles.febelfin.be/Febelfin_Brochure/files/assets/common/downloads/... · the...

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