BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE

Performance of Groupe BPCE – Key figures 2018

BPCE SA group indicators SUMMARY INCOME STATEMENT ➡

2018

2017

2016

in millions of euros

Net banking income Gross operating income

10,800

10,499

10,781

2,005 1,856

2,358 2,126

3,076 2,823 1,664

Income before tax

NET INCOME ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT

685

845

FINANCIAL STRUCTURE ➡

12/31/2018

12/31/2017

12/31/2016

in billions of euros

Equity attributable to equity holders of the parent

19.6 19.0

18.9 18.5

20.2 19.4

Tier 1 capital

Tier 1 ratio

10.9% 19.1%

10.3% 18.4%

10.2% 18.4%

Total capital ratio

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

Sustainable development central to the Group’s activities (1) (2) A LEADING BANK IN GREEN, RESPONSIBLE GROWTH ➡

N°1

in energy transition loans (1) €8.7bn

in responsible deposits and savings (2) €72.5bn

in personal and professional microloans in France 14,700 microloans issued totaling €112m

A RESPONSIBLE EMPLOYER ➡

No.14 in the top 100 most attractive French companies

42.9% of Group managers are women

Renewable energy outstandings + building energy renovation loans and environmentally friendly equipment loans for professional customers and SMEs + green car loans. (1) €69.1 billion in SRI deposits and savings + €3.4 billion in CODEVAIR on-balance sheet deposits and savings (CODEVair is Crédit Coopératif’s regional passbook savings account and SRI (2) passbook savings account).

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Registration document 2018