BPCE_REGISTRATION_DOCUMENT_2017
1 PRESENTATION OF GROUPE BPCE Key figures 2017
ACTIVITY ➡
12/31/2017
12/31/2016
12/31/2015
in billions of euros
Balancesheet total
1,259.9
1,235.2
1,166.5
Customer loans(gross loan outstandings)
704.9
679.2
629.8
RETAIL BANKING AND INSURANCE
DEPOSITS AND SAVINGS (IN €BN) ➡
LOAN OUTSTANDINGS (IN €BN) ➡
NEW LOAN PRODUCTION (IN €BN) ➡
543
691
663
651
517
210
495
205
202
125
481
97
101
458
449
2015
2016
2017
12/31/2015 12/31/2016 12/31/2017
12/31/2015 12/31/2016 12/31/2017
Off-balance sheet deposits & savings
On balance sheet deposits & savings
FINANCIAL STRUCTURE AND LIQUIDITY RESERVE
CAPITAL RATIOS ➡
in billionsof euros
12/31/2017
12/31/2016 12/31/2015
Equity attributableto equity holders ofthe parent CommonEquity Tier 1capital
64.0
61.5
57.6
59.0
55.3
50.9
Tier 1 capital
59.5 74.0 214
56.6 72.3 230
52.2 65.8
19.2%
18.5%
Total regulatorycapital
16.8%
Liquidityreserve
196
UnderBasel III,taking into accountCRR/CRD IV phase-inmeasures.
15.4%
14.5%
13.3%
CREDIT RATINGS AT DECEMBER 31, 2017 ➡ The following ratings concern BPCE and alsoapply to GroupeBPCE.
Common Equity Tier 1 ratio Tier 1 ratio Total capital ratio
14.1%
15.3%
13.0%
Fitch Ratings Moody’s
Standard & Poor’s
R&I
12/31/2015 12/31/2016 12/31/2017
Long-term rating Short-term rating
A
A2
A
A
F1
P-1
–
A-1
UnderBasel III,taking into accountCRR/CRDIV phase-inmeasures.
Outlook
Positive Positive Stable Positive
11
Registration document 2017
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