BPCE - 2019 Universal Registration Document
GROUP PROFILE
A SOLID GROUP GENERATING ROBUST PERFORMANCES
High level of solvency
GROUPE BPCE – FINANCIAL STRUCTURE AND LIQUIDITY RESERVES
12/31/2019
12/31/2018
12/31/2017
in billions of euros
Equity attributable to equity holders of the parent
69.9 66.0 66.0 79.3
66.2 62.2 62.5 76.9
64.0 59.0 59.5 74.0
Common Equity Tier 1 capital
Tier 1 capital
Total regulatory capital
Liquidity reserve
231
204
214
GROUPE BPCE – CAPITAL RATIOS
CREDIT RATINGS AT DECEMBER 31, 2019 The following ratings concern BPCE and also apply to Groupe BPCE.
Standard & Poor’s
19.6 %
19.2 %
18.8 %
Fitch Ratings Moody’s
R&I
A+
A1
A+
A+
Long-term rating
15.9 %
15.7 %
15.4 %
F1
P-1
-
A-1
Short-term rating
15.8 %
15.7 %
15.3 %
Operating
Stable
Stable
Stable
Stable
12/31/2017
12/31/2018
12/31/2019
● Common Equity Tier 1 ratio ● Total capital ratio ● Tier 1 ratio
BPCE SA group indicators (1)
SUMMARY INCOME STATEMENT
2019
2018
2017
in millions of euros
Net banking income Gross operating income
11,145
10,800
10,499
2,286 1,923
2,005 1,856
2,358 2,126
Income before tax
NET INCOME ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT
631
685
845
FINANCIAL STRUCTURE
12/31/2019
12/31/2018
12/31/2017
in billions of euros
Equity attributable to equity holders of the parent
20.4 19.9
19.6 19.0
18.9 18.5
Tier 1 capital
Tier 1 ratio
11.2% 18.6%
10.9% 19.1%
10.3% 18.4%
Total capital ratio
(1) BPCE SA group includes BPCE SA and its subsidiaries. The Banques Populaires and Caisses d’Epargne do not contribute to the results of BPCE SA group.
7 UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE
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