BPCE - 2019 Universal Registration Document



Banque Populaire banks


Founded by entrepreneurs for entrepreneurs more than 140 years ago, the Banque Populaire banks have stayed true to their roots, confirming their position as the leading bank for SMEs in France for the tenth year in a row (1) . A top-tier banking network with 12 regional Banque Populaire banks and two national affiliated banks (CASDEN, dedicated to the civil service sector, and Crédit Coopératif, a bank serving the social and solidarity-based economy), Banque Populaire is also the No. 2 bank of craftsmen and small retailers (2) .

Key figures 14 Banque Populaire banks • 4.6 million cooperative shareholders • 9.3 million customers • 31,000 employees • €288.3bn in deposits and savings •

€225bn in loan outstandings • €6.4bn in net banking income •

IN 2019 The Banque Populaire banks kept up their sales • momentum. Loan outstandings rose 7.6% and deposits and savings 8.5%. The Comfort and Premium levels were added to the new • everyday banking package deals via the Forfait Cristal (Cristal Package) and the Pack Famille (Family Pack). INDIVIDUAL CUSTOMERS The Banque Populaire banks maintained their sales momentum and continued to gain market share, increasing their number of customers 1.8% year-on-year to over 5 million, including nearly 4 million principal active customers. New lending grew substantially for consumer and home loans alike (+6.1% and +14%, respectively). New solutions were launched in 2019, including the Comfort and Premium levels added to the new everyday banking package deals via the Cristal Package and the Family Pack. This is a first in the banking industry, with key everyday banking services offered to all members of the family (of any configuration) at one fixed price. In another major advance, the Banque Populaire digital spaces are now recognized for their usage and performance rates, as demonstrated by the ranking conducted by digital rating agency D-Rating, published in October 2019: Banque Populaire rose nine places in one year, marking one of the biggest improvements in the banking sector. Some of the latest new app features include: 1) Paylib entre amis (Paylib for friends and family) for transferring funds

Banque Populaire accelerated its development in private • banking and has become the No. 3 player in France (3) , with over €83 billion in assets under management.

free of charge with just the beneficiary’s telephone number, and 2) simplified management of debit cards, with temporary card locking. In addition, the Création Pépite Factory scholarship, designed to help students and recent graduates with ideas for start-ups or acquisitions obtain corporate status and online registration, was rolled out across the entire Banque Populaire banks network. Lastly, the new family provident insurance offer was launched, Assurance Famille , a policy guarding against everyday unforeseen circumstances in any family, professional and financial situation. €31.1bn in new loans, +13%

€118.6bn in loan outstandings, +8.8% €157bn in deposits and savings, +5.8% 240,000 new non-life insurance policies

(1) Kantar 2019 SME-SMI Survey – Banque Populaire: No. bank of SMEs, including the Banques Populaires, Crédit Coopératif and the regional banks of Crédit Maritime Mutuel. (2) 2017-2018 Pépites survey (CSA). (3) Private banking survey by l’Opinion, 2018 (published September 2019).



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