BPCE - 2020 Universal Registration Document

GROUP PROFILE

A SOLID GROUP GENERATING ROBUST PERFORMANCES

High levels of solvency and liquidity

CREDIT RATINGS AT DECEMBER 31, 2020 The following ratings concern BPCE and also apply to Groupe BPCE.

GROUPE BPCE - CAPITAL RATIOS

A+ Standard & Poor’s

19.6 %

18.8 %

18.1 %

Fitch Ratings

Moody’s

R&I

A+

A1

A+

Long-term rating

15.9 %

15.7 %

16.0 %

F1

P-1

-

A-1

Short-term rating

15.8 %

15.7 %

16.0 %

Outlook

Negative

Stable

Stable

Negative

12/31/2018

12/31/2019

12/31/2020

● Common Equity Tier 1 ratio ● Tier 1 ratio ● Total capital ratio

GROUPE BPCE - LIQUIDITY RESERVE (In €bn)

307

231

204

12/31/2018

12/31/2019

12/31/2020

BPCE SA group indicators (1)

SUMMARY INCOME STATEMENT

2020

2019

2018

in millions of euros

Net banking income Gross operating income

9,816 1,854

11,145

10,800

2,286 1,923

2,005 1,856

Income before tax

500 176

EQUITY ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT

631

685

FINANCIAL STRUCTURE

12/31/2020

12/31/2019

12/31/2018

in billions of euros

Equity attributable to equity holders of the parent

20.2 19.0

20.4 19.9

19.6 19.0

Tier 1 capital

Tier 1 ratio

10.5% 15.5%

11.2% 18.6%

10.9% 19.1%

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 2020 | GROUPE BPCE

Made with FlippingBook - Online Brochure Maker