BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE

Performance of Groupe BPCE – Key figures 2018

GROUPE BPCE – ACTIVITY ➡

12/31/2018

12/31/2017

12/31/2016

in billions of euros

Balance sheet total

1,273.9 671.9 (1)

1,259.9

1,235.2

704.9

679.2

Customer loans (gross loan outstandings)

(1)

IFRS 9 in effect since January 1, 2018.

High level of solvency GROUPE BPCE – FINANCIAL STRUCTURE AND LIQUIDITY ➡ RESERVES

GROUPE BPCE – CAPITAL RATIOS ➡

12/31/2018

in billions of euros

12/31/2017 12/31/2016

19.6%

Equity attributable to equity holders of the parent Common Equity Tier 1 capital

19.2%

66.2 62.2 62.5 76.9 204

64.0 59.0 59.5 74.0 214

61.5 55.3 56.6 72.3 230

18.5%

Tier 1 capital

Total regulatory capital

15.9%

15.4%

14.5%

Liquidity reserve

Under Basel III, taking into account CRR/CRD IV phase-in measures.

Common Equity Tier 1 ratio Tier 1 ratio Total capital ratio

15.8%

14.1%

15.3%

CREDIT RATINGS AT DECEMBER 31, 2018 ➡ The following ratings concern BPCE and also apply to Groupe BPCE.

12/31/2016 12/31/2017 12/31/2018

Under Basel III, taking into account CRR/CRD IV phase-in measures.

Fitch Ratings Moody’s

Standard & Poor’s

R&I

Long-term rating Short-term rating

A+ F1

A1

A

A+

P-1

A-1

Outlook

Stable Stable Positive Stable

12

Registration document 2018

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