BPCE - 2019 Universal Registration Document
NON-FINANCIAL PERFORMANCE REPORT
PUTTING OUR COOPERATIVE IDENTITY TO WORK FOR REGIONAL DEVELOPMENT
OUR STRENGTHS, OUR IMPACTS
COOPERATIVE and DECENTRALIZED
14 Banques Populaires 15 Caisses d’Epargne No. 2 FRENCH BANKING GROUP
A FULL-SERVICE BANK
Each bank is wholly-owned by its cooperative shareholders
Retail Banking & Insurance Asset & Wealth Management Corporate & Investment Banking
Our business model
2
cooperative shareholders 9 million
36 million
105,000
employees, o/w 89% in France
customers
Human resources
HIGH LONG-TERM RATINGS
€ 19.4 bn
CET1 ratio 15.7 %
Customers OUR STRENGTHS OUR IMPACTS in loan outstandings € 706 bn Local regions Financial resources
FitchRatings A+ R&I A+ Moody’s A1
Funding MLT market funding in 2019
Standard & Poor’s A+
Our ambitions
DIGITAL TRANSFORMATION
To our customers, employees, and cooperative shareholders COMMITMENTS
Ambitious targets for all our business lines GROWTH
Seize opportunities from the technological revolution
Notreactivité
in deposits and savings € 746 bn
in assets under management € 934 bn
in life insurance assets under management by by Natixis € 68 bn
OUR AMBITIONS
No. 2 bank for individual customers
26 %
€ 10.8 bn
€ 86.4 bn in responsible deposits and savings
market share home loans (individuals)
in energy transition loan outstandings
in financing for the French economy +20 %
creditor of the social and solidarity-based economy No. 1
bank for SMEs No. 1
€ 111 bn
Boosting GDP through the loans and operations of the Banque Populaire and Caisse d’Epargne networks
69 %
6,903
99 %
43.7 %
of employees are engaged
new hires with permanent contracts
of employees have received professional training
of our managers are women
Employees
47
UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE
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