In brief JUNE 2016

Transcription

1 In brief JUNE 2016

2 Groupe BPCE is the second largest banking group in France, one of the ten foremost European banking groups and one of the top twenty worldwide. It employs 108,000 people serving 35 million customers, including 8.9 million cooperative shareholders, and finances more than 20% of the French economy. The Group pursues a full range of banking and insurance activities working through: the retail banking networks of the Banque Populaire banks and Caisses d Epargne present throughout all of France; Natixis, an international corporate, asset management and financial services company, listed on Euronext Paris; Banque Palatine, a bank dedicated to mid-sized firms and high-net-worth individuals; Crédit Foncier, a specialist in realestate financing; BPCE International for retail banking in the international arena. ORGANIZATION CHART OF GROUPE BPCE AT DECEMBER 31, MILLION COOPERATIVE SHAREHOLDERS 100% 50% BPCE SA 50% 100% (1) 100% 71% Making a difference by drawing on the complementary strengths and synergies between our companies, by combining cooperative values with business efficiency: this is the goal of our Another way to grow strategic plan and the meaning of our new corporate tagline: Bankers and insurers with a different perspective. (1) Indirectly through local savings companies. Float 29%

3 The Banque Populaire banks The Banque Populaire banks are cooperative banks created by and for entrepreneurs, working closely with local businesses and business owners. They form the fourth largest banking network in France with 16 Banque Populaire regional banks, CASDEN Banque Populaire, and Crédit Coopératif. Respected for its humanistic values and close customer relations, Banque Populaire is also recognized for its responsiveness and customer commitment, offering them the strength of its network of relationships forged in the French regions to help make a success of their various projects. This is the meaning of its corporate signature: Adding strengths, multiplying opportunities. banquepopulaire.fr #LaBonneRencontre 18 Banque Populaire banks 3,338 branches (and 16 e-branches) 4 million cooperative shareholders 9.1 million customers 173 billion in loan outstandings 6.5 billion in net banking income (1) 229 billion in savings deposits (1) Excluding changes in provisions for home purchase savings schemes.

4 The Caisses d Epargne Cooperative banks with nearly 5 million cooperative shareholders, the Caisses d Epargne have combined confidence, solidarity and modernity since their creation in 1818 and now represent France s second largest retail banking network with 17 regional savings banks. The Caisse d Epargne helps individuals to succeed in their personal projects, decision-makers to realize their local ambitions, and society to evolve in constructive ways. The leading provider of funds for the solidarity-based economy, the social housing and public sectors, it expresses its tagline Being useful in the everyday, local actions it pursues as a bank helping everyone in the wider public interest. caisse-epargne.fr horizonentrepreneurs.fr decideursenregion.fr gestionprivee.caisse-epargne.fr 17 Caisses d Epargne 4,195 branches (and 17 e-branches) 24.4 million customers 4.9 million cooperative shareholders 225 billion in loan outstandings 7.3 billion in net banking income (1) 399 billion in savings deposits (1) Excluding changes in provisions for home purchase savings schemes.

5 Natixis Natixis is the international corporate, asset management and financial services arm of Groupe BPCE. Natixis is active in three major areas, in which it boasts extensive expertise: Corporate & Investment Banking, Investment Solutions, and Specialized Financial Services. It accompanies its clientele of corporations, financial institutions, public sector bodies, and investors around the world. It enables the Group s retail banking entities to satisfy more fully the needs of its customers with financial products and services and insurance solutions designed specifically for them. natixis.com More than 16,000 employees 8,6 billion in net banking income (1) +11% Present in 36 different countries Listed on the Euronext Paris (CAC Next 20) (1) Pro forma and excluding exceptional items.

6 Groupe BPCE 2015 key figures Summary income statement in millions of euros Net banking income 23,868 23,257 Gross operating income 7,620 6,927 Income before tax 6,123 5,279 Net income attributable to equity holders of the parent 3,242 2,907 Contribution of the business lines to the Group s to the Group s net banking income (1) income before tax (1) 64% 33% 59% 37% 3% Commercial Banking and Insurance Equity Interests (1) Excluding the Corporate center. 4% Corporate & Investment Banking, Investment Solutions and Specialized Financial Services (SFS) Business in billions of euros 12/31/ /31/2014 Balance sheet total 1, ,223.3 Customer loan outstandings (gross) Banque Populaire and Caisse d Epargne networks Off-balance sheet deposits & savings On-balance sheet deposits & savings Customers loans Capital adequacy ratios 15.4% 16.8% 12.7% 13.3% 11.9% 13.0% 12/31/ /31/2015 Total capital adequacy ratio Tier-1 ratio Common Equity Tier-1 ratio Under Basel III, taking into account CRR/CRD IV phase-in measures.

7 35 million customers 8.9 million cooperative shareholders 8,000 bank branches A (Fitch) 108,000 employees No. 1 No. 2 bank for SMEs bank for individual customers No. 2 bank for self-employed professionals and entrepreneurs Long-term credit ratings at February 10, 2016 A2 (Moody s) A(R&I) Outlook: stable A(S&P) BPCE A French limited company (société anonyme) governed by a Management Board and Supervisory Board with a capital of 155,742,320. Registered office: 50, avenue Pierre-Mendès-France Paris Cedex 13. Paris Trade and Companies Register no Illustrations: Vincent Mahé/Costume 3 pièces; Jay Cover. Corporate Communications Department. June 2016.