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
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