BPCE - 2019 Universal Registration Document
NON-FINANCIAL PERFORMANCE REPORT
PUTTING OUR COOPERATIVE IDENTITY TO WORK FOR REGIONAL DEVELOPMENT
OUR BUSINESS MODEL The strength of our model derives from: our cooperative, decentralized structure, with 29 regional • banks; known brands (Banque Populaire, Caisse d’Epargne, Crédit • Coopératif, CASDEN, Banque Palatine, Natixis). Groupe BPCE is the second largest banking group in France, with leading positions on its main markets in France and international ambitions in certain Asset & Wealth Management and Corporate & Investment Banking activities; our structure as a full-service bank with a diversified business • portfolio dominated by retail banking in France. Our business model has shown its resilience and its ability to gain market share while keeping risks under control.
Groupe BPCE draws on different resources to conduct its businesses: human resources, involving: • the recruitment and management of our teams and our – capacity to attract, develop and retain talented individuals, the relationships we maintain with our customers and our – cooperative shareholders and more generally with all our stakeholders; financial resources, corresponding to: • the Group’s own funds, consisting of retained earnings and – inflows from the cooperative shares issued by the Banques Populaires and the Caisses d’Epargne, deposits and savings inflows, – market funding, – for our subsidiary Natixis, own funds arising from the share – capital provided by shareholders. The quality of the its fundamentals (its solvency and management), as reflected in its the good financial ratings, allows Groupe BPCE to develop its business activities.
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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE
www.groupebpce.com
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