Real Estate

Lloyd Bancaire Real Estate has one of the world's leading real estate investment and lending platforms. Active across the globe, Lloyd Bancaire Real Estate's comprehensive expertise and significant capital resources enable it to create customized approaches to unlock value in any market.

The Firm's real estate professionals have a focused risk management philosophy and are able to leverage a global, multi-disciplined organization. Their experience spans highly structured and complicated capital structures, sponsorship/management turnaround issues, divestitures and bankruptcies.

Lloyd Bancaire Real Estate takes a flexible approach and is capable of providing debt and equity financing options across all levels of an organization's capital structure.

With decades of experience, Lloyd Bancaire Real Estate professionals are seasoned experts in sourcing, analyzing, structuring and monetizing real estate investments in distressed debt, high-yielding senior loans, direct equity and hybrid investments, among others.

Energy +

Lloyd Bancaire was the first significant International private equity firm to establish a dedicated renewable energy investment team. Our team invests in utility-scale renewable energy projects in Globally using proven technologies such as onshore wind, solar and hydro, using an infrastructure fund investment approach. We focus on control investments and create industrial scale renewable energy platforms, seeking to aggregate a number of like assets and deliver economies of scale.

The renewable energy market is the fastest growing generation segment Globally. It is an attractive investment opportunity, which is estimated to require significant capital investment over the medium term.

In response to these market drivers our renewable energy investment Theme is to focus on the most efficient technologies and best resource sites, requiring the least regulatory support and resulting in the lowest cost for the consumer. We invest in industrial scale to lower intrinsic costs and create strategic value.

Infrastructure

A well functioning infrastructure with a high level of service is one of the cornerstones in every developed economy. Lloyd Bancaire infrastructure Platform was launched in 2008 to meet the demand for new and more efficiently managed infrastructure. Main focus is existing infrastructure but new projects and public-private-partnerships are also of interest. Investments are financed with equity from the fund and external debt financing from traditional lenders. Potential sectors are power generation, electricity and gas networks, airports, rail transportation, ports, storage, waste, parking facilities, telecommunication towers and infrastructure-related services.

Lloyd Bancaire infrastructure platform is advised by an experienced team. The platform is also supported by an advisory committee and a network of highly experienced and qualified industrialists in the infrastructure sector. The platform's objective with its infrastructure investments is to develop, grow and improve the infrastructure in order to make it more efficient, more accessible and in the end more valuable to all stakeholders.

Financial Services

Lloyd Bancaire has identified financial services as a sector that provides attractive investment opportunities and has created a dedicated team to focus on the sector. After years of rapid growth, the financial services sector is undergoing a severe contraction. This is creating attractive opportunities for Lloyd Bancaire as valuation dislocations emerge and institutions divest non-core assets or seek partners to raise capital.

We are focused on investing in both regulated and non-regulated industries across the financial services spectrum on a levered or unlevered basis. Within the sector we continue to apply Lloyd Bancaire's traditional investment approach of identifying market leaders in attractive growth markets. We work frequently with corporate institutions, industry advisers and former executives to help develop and execute our investment strategies.

Transaction Services

Our team is comprised of professionals with diverse backgrounds and experiences. Many of these team members have prior Big 4 CPA firm experience, which enhances our overall depth of talent and knowledge. Our process is focused on early identification of critical issues, understanding key risk factors and maximizing transaction values and opportunities.

We provide practical assistance and management support to implement International and regional strategies. We have helped introduce products and services that are new to the market, and have established precedents for government approvals in a number of highly regulated sectors.

• Strategic Advisory • Financial Engineering • Deal modeling and structuring • Restructurings • Regulatory/Government Affairs

Islamic Finance

Islamic finance is a force to be reckoned with in today's global economy. Operating on the principles of Islamic law (Shariah), the Islamic value propositions, among others, prohibit interest (riba) and hold that business conduct should be on the basis of sharing profit and risk.

Islamic finance is a regular feature of today's international financial world, at the government-to-government as well as the private sector level. The value of assets managed by Islamic banks is forecast to grow by 33% to $4 trillion by 2014.

Our Islamic Finance practice stands at the forefront of Islamic finance and banking development. Our clients in the Islamic financial services sector include local, regional and international banks, Takaful (Islamic insurance) operators, real estate investment trusts, mutual funds and major regulators and regulatory bodies.

Venture Capital

For companies in rapidly evolving industries best support Lloyd Bancaire chooses a different approach than most other investment companies, which focus on short-and long-term. Lloyd Bancaire select portfolio companies based on a thorough evaluation of the strength and vision of the management team, the potential of the developed technologies and products and the degree to which they respond to needs and wants.

Lloyd Bancaire will offer more than just capital. The investment managers and financial analysts Lloyd Bancaire invest their expertise, experience and knowledge: exceptional advantages for the large venture capital portfolio Lloyd Bancaire has built. The investment managers can be part of the board of directors of portfolio companies, providing assistance in developing strong business plans and to outline and streamline growth and expansion strategies. Lloyd Bancaire is not just a capitalist, but goes one step further, as a reliable business partner in every sense of the word.

Insurance & Pension

We provide a complete range of insurance and pension consultation products and services.

A full-service agency, Lloyd Bancaire Insurance provides a complete range of insurance consultation, products and services to individuals, public or governmental entities as well as businesses.

Through strategic industry relationships, Lloyd Bancaire Insurance is able to offer exclusive, customized personal insurance and business insurance solutions unavailable through many other insurance providers.

Pension and Insurance Products only available in limited jurisdictions

Mauritius

Cayman Islands

Private Equity

Lloyd Bancaire Private Equity underwrites or arranges financings of between €10 million and €500 million. Lloyd Bancaire has established a number of private equity strategies that capitalize on an integrated global platform designed to meet clients demand for increasingly more diverse and sophisticated investment solutions and have emerged as market leaders at a time when competition is tough and transactions are becoming more diverse. Lloyd Bancaire Private Equity has been in business since 2007, and its relationship of trust with investment funds, forged in large part through its Funds of Funds and Co-Investment business, is a major competitive advantage.

Direct investment and arrangement of tranches with or without warrant for all types of transactions, including acquisition build-up, LBO, OBO, equity restructuring and recapitalization.

Lloyd Bancaire's private equity clients include some of the world's most sophisticated investors, such as corporate and municipal pension funds, foundations, endowments and ultra high net worth individuals.

Structured Products

Lloyd Bancaire's goal is to provide the best structured, most innovative and individualized products to the institutional marketplace. We accomplish this with an experienced team and a proven track record, sophisticated investment strategies, and a broad range of products with superior, client-driven services. Importantly, our proprietary risk-analysis systems and deep liability experience keep our risk assessment up-to-date with product production

Our distinct structuring teams support the sales force with innovative and leading edge developments in the institutional and retail space. They also work closely with the trading desks to develop inventive ideas, effectively traversing the Distribution and Trading divisions.

Investment Management

Lloyd Bancaire's Investment Management businesses comprise a set of companies, each highly-focused and attuned to serve the specific needs of their respective clients with customized investment advice and management expertise. The principal partners of each Lloyd Bancaire's investment management company own direct or indirect equity stakes in their operations. This ensures that our investment teams maintain their entrepreneurial focus and that their business interests remain aligned with the short-term and long-term interests of our clients.

Lloyd Bancaire's 's investment management companies operate in three primary sectors:

• Institutional Asset Management

• Wealth Management

• Private Equity

Merchant Banking

Lloyd Bancaire Merchant Banking provides a broad and complementary range of services to address the needs of our clients at various stages in their growth. These include a comprehensive array of strategic and financial advisory services including mergers and acquisitions, capital raising, and licensing / partnering. Lloyd Bancaire Merchant Banking's experience covers a wide range within real estate, energy, life sciences, financial services, infrastructure and commodities. The senior bankers at Lloyd Bancaire each have more than two decades of experience as investment bankers and broad range of industry professionals.