BPCE - 2019 Universal Registration Document

GROUP PROFILE

A solidgroupgenerating robust performances

Recurring, diversified revenue base

GROUPE BPCE – SUMMARY INCOME STATEMENT

2019

2018

2017

in millions of euros

Net banking income Gross operating income

24,305 6,722 72.3% (1,367)

24,001 6,314 73.7% (1,299)

23,720 6,621 72.1% (1,384)

Cost/income ratio

Cost of risk

Income before tax

5,538 3,030

5,297 3,026

5,516 3,024

NET INCOME ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT

BUSINESS LINE CONTRIBUTIONS TO INCOME BEFORE TAX (1) IN 2019 (As a %)

BUSINESS LINE CONTRIBUTIONS TO NBI (1) IN 2019 (As a %)

12%

14%

19%

16%

Banque de proximité et Assurance 69 %

Retail Banking & Insurance 70 %

2 %

1 %

56 %

4 %

59 %

6 %

5 %

6 %

● Networks ● Financial Solutions & Expertise ● Insurance ● Payments ● Asset & Wealth Management ● Corporate & Investment Banking

GROUPE BPCE – ACTIVITY

● Réseaux BPA ● Solutions & Expertises Financières BPA ● Assurances BPA ● Paiements BPA ● Services Financiers Spécialisés

2019

2018

2017

in billions of euros

Balance sheet total

1,338.1

1,273.9

1,259.9

Customer loans (gross loan outstandings)

706.1

671.9

704.9

(1) Excluding the Corporate Center .

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

www.groupebpce.com