BPCE - 2020 Universal Registration Document

GROUP PROFILE

A solidgroupgenerating robust performances

A diversified revenue base

GROUPE BPCE – SUMMARY INCOME STATEMENT

2020

2019

2018

in millions of euros

Net banking income Gross operating income

22,540 5,896 73.8% (2,998)

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

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

Cost/income ratio

Cost of risk

Income before tax

2,789 1,610

5,538 3,030

5,297 3,026

NET INCOME ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT

CONTRIBUTION DES MÉTIERS AU RÉ EN 2019 (En %)

BUSINESS LINE CONTRIBUTIONS TO NBI (1) IN 2020 (As a %)

Corporate & Investment Banking 12 %

12 %

Asset & Wealth Management 14 %

19 %

Retail Banking & Insurance 74 %

2 %

1

%

4 %

6 %

5 %

63 %

6 %

● Networks ● Financial Solutions & Expertise ● Insurance ● Payments

GROUPE BPCE – ACTIVITY

12/31/2020

12/31/2019

12/31/2018

in billions of euros

Balance sheet total

1,446.3

1,321.6

1,273.9

Customer loans (gross loan outstandings)

760.3

706.1

671.9

(1) Excluding the Corporate Center .

6

UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

www.groupebpce.com