2017 ROLE AND KEY FIGURES
|
|
- Leona Young
- 5 years ago
- Views:
Transcription
1 2017 ROLE AND KEY FIGURES RELEASE: JUNE 2018
2 FRANCE S LARGEST PENSION SCHEME FRANCE S PAY-AS-YOU-GO PENSION SYSTEM WAS FOUNDED IN 1945 AND OPERATES ON THE PRINCIPLE OF SOLIDARITY BETWEEN THE GENERATIONS. The pension contributions paid into the system by workers and employers finance the pensions paid out to retirees each month. Through their contributions, workers accrue pension rights, entitling them to claim a pension when they retire. Their pensions will be financed by the contributions paid in by a future generation of workers. The national pension office Caisse nationale d assurance vieillesse (CNAV) manages the retirement insurance section of the social security general scheme at national level. This, initially, was the base pension scheme for private-sector employees in the trading, manufacturing and service sectors, who also pay contributions into compulsory supplementary schemes managed by AGIRC, ARRCO and IRCANTEC. Since 1 January 2018, it has also covered the self-employed. Agricultural employees and farmers pay into a specific scheme. There are also specific schemes for other categories of employees (chiefly public-sector employees and employees of large state-owned companies). Contributors to the main base pension schemes 1.71 % 8.54 % 9.23 % 1.81 % 2.55 % 7.47 % % Other special schemes* Farmers Agricultural employees Public-sector employees and military personnel TOTAL CONTRIBUTORS (METROPOLITAN FRANCE): 26.4 million Local government employees * Schemes contributing to special compensation only. Source: French Social Security Compensation Commission, December 2017 (excluding the unemployed). Self-employed traders, service providers and professionals General scheme Total pensions paid out by the main base pension schemes 55.2 % 4.3 % 4.8 % 5.8 % 9.4 % 10.1 % 10.4 % Other special schemes Local government employees Farmers Public-sector employees and military personnel Agricultural employees Self-employed traders, service providers and professionals TOTAL PENSIONS PAID OUT (INDIVIDUAL AND SURVIVOR S PENSIONS, METROPOLITAN FRANCE): nearly 25 million General scheme* 2 (1) A person may be entitled to pensions from more than one base scheme. * Including Crédit Foncier and Compagnie Générale des Eaux retirees; not including CAMR retirees. Source: Social Security Directorate for the French Social Security Compensation Commission, 29 November 2016.
3 LEGAL FRAMEWORK Parliament and Government Gérard Rivière, Chairman of the Board of Directors of CNAV Renaud Villard, Director The French parliament sets general guidelines for the social security system and votes the annual social security budget. The government introduces the necessary regulations to reach the targets set by the parliament. In particular, the government sets the annual percentage increase in pensions and the caps on pension contributions. The ministries in charge of social affairs and the budget have oversight over the social security schemes. They sign agreements on targets and management with the national social security offices. Agreements on targets and management CNAV signs multi-year agreements on targets and management with the state. Implementation of the agreements is governed by multi-year contracts between CNAV and the regional pension offices. These agreements set forth targets, operating resources and actions to be undertaken by each of the parties. CNAV director The government appoints the director of CNAV at a cabinet meeting, after consulting the chair of the board of directors. The director is tasked with the day-to-day operation of CNAV. He therefore has overall and exclusive responsibility for staffing. He organizes work, drafts budgets and authorizes expenditure. He ensures that the national office carries out its coordination and supervisory roles in relation to the regional offices, principally through the multi-year management contracts. CNAV Board of Directors The board of directors of CNAV elects a chair and a vice-chair for five-year terms. The board consists of: 30 4 members with voting rights > 13 > 13 > 4 representatives of social security insurees representatives of employers people qualified in CNAV s areas of expertise appointed by the state consultative members > 1 > 3 representative of Unaf representatives of employees The board approves CNAV s financial statements and budget; outlines social action policies for general-scheme retirees; and issues opinions on draft laws and decrees that could affect pensions. The board can also propose any measure it considers appropriate. 3
4 OUR ROLE Keeping records of employees employment histories As soon as someone starts working in France, an individual retirement insurance account is opened in his/ her name. The details of salaries and contributions are added to the account every year based on the information contained in the social security declarations filed by employers. The retirement insurance section of the general scheme managed million employment history records in Providing assistance to employers Through its network of regional offices, CNAV is expanding the services it provides to employers. It also provides a range of information in the special space for companies on where these last can also download documents to help their employees prepare for their retirement. Helping insurees prepare for retirement Employees can view their employment history records free of charge at any time on The employment history record is an itemized account of all of the employee s salaries on which contributions were levied, and the number of quarters accrued towards a pension, as well as equivalent periods such as unemployment, disability or sick leave. The employment history record contains the information used to calculate the employee s pension when he/she retires. Employees can find answers to all their questions about their retirement pensions on As well as viewing their employment history records, they can:! view an estimate of their future pension (employees aged 54 and over),! find out the mandatory retirement age that applies to them,! apply for a pension online,! find answers to their questions via the extensive FAQ. To help insurees prepare for retirement, CNAV and the regional offices offer guidance ahead of time through face-to-face appointments at their 230 reception centres. The regional offices encourage future retirees to be ready for retirement by sending in their applications for a pension four to six months before their planned retirement date. 4
5 Ensuring timely payment Through diligent management of employees files, the retirement insurance section of the general scheme ensures a smooth transition to retirement for insurees. Since 2016, the guarantee of payment enables each individual having filed their completed file four months ahead of the chosen departure date to receive the initial payment of their pension on the specified date. Pensions are then paid out on a monthly basis. A file is kept on every insuree throughout their retirement, so that any changes in status or new rights can be taken into account. Retirees can access a range of services on the website, including payment receipts, tax statements, and viewing payments. Fostering ageing well The retirement insurance section of the general scheme also has a diversified social action policy for insurees of all pension schemes to help elderly people cope with the impact of ageing and reduced autonomy. The social action policy is aimed at enabling elderly people to continue living in their own homes through individual assistance (individual assessment and action plans, carers, housing grants, assistance with returning home after a stay in hospital). In 2017, 341,960 retirees benefited from individual assistance to enable them to continue living at home. It also produces guides and has a dedicated website, The retirement insurance section funds modifications to individual homes to enable people to remain living in their own homes. It also subsidises autonomous residences, which have replaced sheltered housing. Recognised statistical and legal expertise CNAV is actively involved in technical and financial evaluations of the French pension system in the short, medium and long term. As the operator of the largest base pension scheme, CNAV plays a major role in designing tools and techniques for simulation and forecasting. CNAV staff work closely with French government departments to draft the annual social security budget, as well as legislation and regulations relating to pensions. They also contribute to forecasts by France s Pensions Advisory Council. To publicise its work, CNAV posts a quarterly electronic newsletter called and has a website dedicated to studies, research and statistics. Through its site, it is implementing an open data policy as well as a data visualisation policy, accessible to all. CNAV also publishes studies and analyses by pension experts, researchers and academics in its journal Retraite et société, which addresses economic, demographic, sociological, statistical, legal and other aspects of retirement and pensions. International relations To assist other countries with their need for expertise in social security, and particularly pensions, CNAV has a pool of experts for consultation. CNAV also has partnerships with its counterpart organisations in other countries to facilitate the formalities for French retirees who live abroad (for example, certificates of existence). CNAV also has opportunities to share experiences and promote the French model of social security when it hosts foreign delegations in France. 5
6 KEY FIGURES (at 31 December 2017) 341,960 12,736 staff working to serve pensions Financial results beneficiaries of individual assistance to continue living at home, including 221,690 beneficiaries of personalised action plans 115 billion paid out in retirement pensions in 157 countries 4.29 million million surplus views of employment history records on million retirees million contributors 1, % million employment history records managed of new retirees satisfied with the services provided The retirement insurance section of the general scheme received nearly 129 billion in revenue, 63% of which came from pension contributions paid in by insurees and Retirement insurance revenue in 2017 employers. Expenditure totalled 127 billion, 91% of which consisted of benefits paid out (retirement and survivor s pensions and social action). 63 % 3 % 9 % 11 % 14 % Other revenue Transfers Allocated taxes Contribution from the old-age solidarity fund Social security contributions 129 billion in revenue Retirement insurance expenditure in % 1 % 2 % 6 %* Overheads Other expenditure Transfers (to other schemes) Pensions (retirement, survivor s, social action) 127 billion in expenditure * Since 2015, retirement pensions for the electric and gas industries have been accounted for in «paid transfers». 6
7 OUR NETWORK Pensions are managed by regional Retirement Insurance and Occupational Health Offices () in metropolitan France, General Social Security Offices (CGSS) in the overseas départements, and the Social Security Office (CSS) in Mayotte. In addition to its national coordination role, CNAV directly manages pensions in Île-de-France. Together, these organisations make up the retirement insurance section of France s social security general scheme. The retirement insurance section of the general scheme has assigned trained staff to the regional offices to facilitate relations with pension organisations in other countries that have a social security agreement with France or that come under EU regulations. Each regional office is thus equipped to process the files of insurees who live or have lived in France and in one or more of these other countries. Bretagne 14 branches 17 reception centres l Normandie 7 branches 14 reception centres Pays de la Loire 11 branches 36 reception centres Nord-Picardie 23 branches 49 reception centres CNAV Île-de-France 30 branches 22 reception centres Nord-Est 13 branches 1 reception centre Centre-Val de Loire 11 branches 38 reception centres Bourgogne-Franche-Comté 13 branches Alsace-Moselle 9 branches 28 reception centres Branches in metropolitan France: 218 Reception centres in metropolitan France: 396 Branches in CGSS/CSS: 12 Reception centres in CGSS: 22 Centre-Ouest 10 branches 15 reception centres Auvergne 7 branches 19 reception centres Aquitaine 13 branches 42 reception centres Rhône-Alpes 14 branches 52 reception centres Midi-Pyrénées 12 branches 29 reception centres Languedoc-Roussillon 11 branches 24 reception centres Sud-Est 20 branches 10 reception centres CGSS 1 Guadeloupe 4 branches 8 reception centres CGSS 1 Guyane 1 branch 2 reception centres CGSS 1 Martinique 1 branch 6 reception centres CGSS 1 Réunion 5 branches 6 reception centres CSS 2 Mayotte 1 branch 2 points d accueil 1. Caisse générale de sécurité sociale 2. Caisse de sécurité sociale 7
8 Release: June RAPPORT NATIONAL D ACTIVITÉ 2017 RAPPORT ACTION SOCIALE ÉDITION JUIN 2018 ÉDITION JUIN 2018 Caisse nationale d assurance vieillesse 110 avenue de Flandre Paris Cedex 19 Every year, CNAV publishes a national report, as well as three thematic reports RAPPORT ÎLE-DE-FRANCE ÉDITION SEPTEMBRE 2018 Release: June 2018 Release: September 2018 Release: October 2018 Find us on: and Twitter RAPPORT DE RESPONSABILITÉ SOCIÉTALE ÉDITION OCTOBRE 2018 Réf /2018 / Supervision and coordination: CNAV, Communications Directorate Design and layout: P2C/PARIMAGE Photo credits: Patrick Sagnes Cover image: Joseph Essien Doukou, Quality, Methods and Urban Development Department Printed by: Cnav
2016 ROLE AND KEY FIGURES RELEASE: JUNE 2017
2016 ROLE AND KEY FIGURES RELEASE: JUNE 2017 FRANCE S LARGEST PENSION SCHEME FRANCE S PAY-AS-YOU-GO PENSION SYSTEM WAS FOUNDED IN 1945 AND OPERATES ON THE PRINCIPLE OF SOLIDARITY BETWEEN THE GENERATIONS.
More information4 people qualified in Cnav s areas of expertise appointed by the state BREAKDOWN OF PENSIONS PAID OUT BY THE MAIN SCHEMES AT 31 DECEMBER 2013
2 3 France s largest pension scheme Legal framework France s pay-as-you-go pension system was founded in 1945 and operates on the principle of the solidarity between the generations. Parliament and Government
More informationInvestor Report February 2007
Collateral Description Asset Cover Test p1 p6 Investor Report February 2007 COLLATERAL DESCRIPTION asset report date february 2007 A] Overview data Total Outstanding Current Balance 10 000 241 136 Number
More informationI. DECLARATIONS REFERRED TO IN ARTICLE 1(L) OF REGULATION (EC) NO 883/2004 AND THE DATE FROM WHICH THE REGULATION IS APPLICABLE
Declaration by France pursuant to Article 9 of Regulation (EC) No 883/2004 of the European Parliament and of the Council of 29 April 2004 on the coordination of social security systems All the legislation
More informationJune Société Générale SCF. A Leading Player in the Covered Bond Market
June 2010 Société Générale SCF A Leading Player in the Covered Bond Market 2 Disclaimer The following presentation contains a number of forward-looking statements relating to Société Générale s targets
More informationJune Société Générale SCF. A Leading Player in the Covered Bond Market
June 2011 Société Générale SCF A Leading Player in the Covered Bond Market 2 Disclaimer The following presentation contains a number of forward-looking statements relating to Société Générale s targets
More informationInvestor Report December 2010
Collateral Description Asset Cover Test p1 p6 Investor Report December 2010 COLLATERAL DESCRIPTION asset report date December 2010 A] Overview data Total Outstanding Current Balance Number of loans Number
More informationInvestor Report January 2011
Collateral Description Asset Cover Test p1 p6 Investor Report January 2011 COLLATERAL DESCRIPTION asset report date January 2011 A] Overview data Total Outstanding Current Balance Number of loans Number
More informationBNP Paribas Home Loan SFH. Investor Report September 2015
Investor Report September 2015 COLLATERAL DESCRIPTION OVERVIEW DATA Value of Loans granted as guarantee as of 31/08/2015 Total Outstanding Current Balance 28,270,305,558 Number of loans 339,121 Number
More informationBNP Paribas Home Loan SFH. Investor Report September 2017
1790000000 Investor Report September 2017 COLLATERAL DESCRIPTION OVERVIEW DATA Value of Loans granted as guarantee as of 31/08/2017 Total Outstanding Current Balance 34,899,101,306 Number of loans 372,919
More informationBNP Paribas Home Loan SFH. Investor Report April 2018
1790000000 Investor Report April 2018 COLLATERAL DESCRIPTION OVERVIEW DATA Value of Loans granted as guarantee as of 31/03/2018 Total Outstanding Current Balance 34,872,388,025 Number of loans 371,716
More informationBNP Paribas Home Loan SFH. Investor Report May 2018
1790000000 Investor Report May 2018 COLLATERAL DESCRIPTION OVERVIEW DATA Value of Loans granted as guarantee as of 30/04/2018 Total Outstanding Current Balance 34 875 478 611 Number of loans 369 910 Number
More informationBNP Paribas Home Loan SFH. Investor Report July 2018
1790000000 Investor Report July 2018 COLLATERAL DESCRIPTION OVERVIEW DATA Value of Loans granted as guarantee as of 30/06/2018 Total Outstanding Current Balance 34,862,586,578 Number of loans 368,369 Number
More informationCNAV : French national pension fund. Research programme
CNAV : French national pension fund Direction des recherches sur le vieillissement Ageing research department Research programme 2009-2013 European Forum Bucarest 28/11/2011-1 1. French national pension
More informationFRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE. CB ISSUER SOCIETE GENERALE SCF Reporting date 30/09/2015 (dd/mm/yyyy)
FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER SOCIETE GENERALE SCF Reporting date 30/09/2015 (dd/mm/yyyy) 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Société Générale
More informationHSBC France HSBC France. .fr/1/2/hsbc-france/a-propos/information-financiere-reglementaire/hsbc-sfh-france-disclaimer
FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Reporting date 31/03/2014 HSBC SFH ( France ) 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Group parent company Group
More informationHSBC France HSBC France.
FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Reporting date 30/06/2013 HSBC SFH ( France ) 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Group parent company Group
More informationBPCE SFH. EUROPEAN COVERED BOND COUNCIL French National Covered Bonds Label Reporting
BPCE SFH EUROPEAN COVERED BOND COUNCIL French National Covered Bonds Label Reporting June 2014 FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER BPCE SFH Reporting date 30/06/2014 (dd/mm/yyyy)
More informationHistorical Perspective on Pension Systems around the World Country: France
Historical Perspective on Pension Systems around the World Country: France Summary The French pension system is based on the pay-as-you-go (PAYG) principle and its financing is mainly ensured by contributions
More information35,325 35,000
CB ISSUER BNP Paribas Home Loan SFH Reporting date 28/02/2013 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group BNP Paribas Group parent company BNP Paribas SA Group consolidated financial
More informationCB ISSUER BNP Paribas Home Loan SFH Reporting date 31/10/2013 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group BNP Paribas Group parent company BNP Paribas SA Group consolidated financial
More informationBP s impact on the economy in. A report by Oxford Economics December 2017
BP s impact on the economy in A report by Oxford Economics December 2017 700 million Gross value added contribution supported by BP in France BP supported 9,000 One in every 3,100 in France jobs BP s activity
More informationHSBC France HSBC France. HSBC SFH ( France ) France
FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Reporting date 30/09/2014 HSBC SFH ( France ) 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Group parent company Group
More informationEUROPEAN COVERED BOND COUNCIL. French National Covered Bonds Label Reporting
EUROPEAN COVERED BOND COUNCIL French National Covered Bonds Label Reporting 13 septembre 2013 FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Crédit Mutuel - CIC Home Loan SFH Reporting
More informationHSBC France HSBC France. https://www.hsbc.fr/1/2/hsbc-france/a-propos/information. HSBC SFH ( France ) France
FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Reporting date 30/09/2015 HSBC SFH ( France ) 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Group parent company Group
More information1.1 Group Société Générale
FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Société Générale SFH Reporting date 30/09/2015 (dd/mm/yyyy) 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Société Générale
More informationSynthèse. French National Reform Program Statistical annex on employment. Numéro 09 Décembre 2014
Synthèse Direction de l animation de la recherche, des études et des statistiques Numéro 09 Décembre 2014 French National Reform Program Statistical annex on employment 2014 The Europe 2020 strategy aims
More informationPROTECTING WHAT MATTERS
PROTECTING WHAT MATTERS Retirement I Welfare I Health I Savings I Social activities AN ONGOING commitment to our clients JOINT AND MUTUAL and non-profit A social protection group, Humanis operates based
More informationSynthèse. French National Reform Program Statistical annex on employment. Direction de l animation de la recherche, des études et des statistiques
Synthèse Direction de l animation de la recherche, des études et des statistiques Numéro 15 September 2015 French National Reform Program Statistical annex on employment 2015 The Europe 2020 strategy aims
More informationFrench National Reform Programme 2013 Statistical annex on employment
French National Reform Programme 2013 Statistical annex on employment 1 2 May 2014 French National Reform Programme 2014 Statistical annex on employment The Europe 2020 strategy aims to make the EU a smart,
More informationCAISSE NATIONALE DES CAISSES D EPARGNE ET DE PREVOYANCE
SEVENTH SUPPLEMENT DATED 16 JUNE 2009 TO THE BASE PROSPECTUS DATED 24 JUNE 2008 CAISSE NATIONALE DES CAISSES D EPARGNE ET DE PREVOYANCE Euro 30,000,000,000 Euro Medium Term Note Programme for the issue
More informationGetting Started in French Payroll Module 4. Presented by Denis Barnard
Getting Started in French Payroll Module 4 Presented by Denis Barnard Agenda Social Security Social Social Security Organization of the French social welfare (Sécurité sociale). There are 5 sectors (branches)
More informationlink to ECBC website ( with french SCF/SFH law (english translation) to be added
CB ISSUER BNP Paribas Public Sector SCF Reporting date 31/12/2012 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group BNP Paribas Group parent company BNP Paribas SA Group consolidated financial
More informationPANORAMA COMPANY INSOLVENCIES. 2 Overall trend DECEMBER 2016 COFACE ECONOMIC PUBLICATIONS. Regional dynamic. Sectorial dynamic
2 Overall trend 4 Sectorial dynamic 5 Regional dynamic 10 Partie 4 Focus «automobile» PANORAMA COMPANY DECEMBER 2016 COFACE ECONOMIC PUBLICATIONS By Coface Group Economists TThe number of insolvencies
More informationCrédit Mutuel Arkéa Home Loans SFH France
FRENCH TIOL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Crédit Mutuel Arkéa Home Loans SFH Reporting date June 2013 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Crédit Mutuel Arkéa
More informationArkea Home Loans SFH France of which eligible
FRENCH TIOL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Arkea Home Loans SFH Reporting date June 2015 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Crédit Mutuel Arkéa Group parent
More informationArkea Home Loans SFH France
FRENCH TIOL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Arkea Home Loans SFH Reporting date December 2015 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Crédit Mutuel Arkéa Group
More informationECB-PUBLIC OPINION OF THE EUROPEAN CENTRAL BANK. of 16 March 2016
EN ECB-PUBLIC OPINION OF THE EUROPEAN CENTRAL BANK of 16 March 2016 on the acquisition of the legal ownership of the Institut d Émission des Départements d Outre-Mer by the Banque de France (CON/2016/14)
More informationThe.FR in Afnic Studies. January 2018
The.FR in 2017 Afnic Studies January 2018 THE.FR IN 2017 2/18 Contents 1. Growth of the.fr... 3 2. Market shares in France... 4 3..FR activity... 7 4. Structure of the net balance of the.fr... 8 5. Key
More informationDoing Business in France
Doing Business in France www.bakertillyinternational.com Contents 1 Fact Sheet 2 2 Business Entities and Accounting 6 2.1 Companies 6 2.2 Partnerships 8 2.3 Sole Proprietorship 8 2.4 Branches 8 2.5 Agency
More informationSOCIETE GENERALE COVERED BOND PROGRAMME
SOCIETE GENERALE COVERED BOND PROGRAMME SG SCF INVESTOR PRESENTATION June 2013 DISCLAIMER This document may contain a number of forecasts and comments relating to the targets and strategies of the Societe
More informationYear End 31 st December. An overview of French payroll Module 3
Year End 31 st December An overview of French payroll Module 3 AGENDA Fact Culture Employment Law Setting up a Business Employer Obligations Time management Absence valuation Tax Social Security Payslip
More informationFRENCH COVERED BOND ISSUERS STANDARDISED INVESTOR REPORT. CB ISSUER Crédit Mutuel Arkéa Public Sector SCF Reporting date 30/09/2013
FRENCH COVERED BOND ISSUERS STANDARDISED INVESTOR REPORT CB ISSUER Crédit Mutuel Arkéa Public Sector SCF Reporting date 30/09/2013 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Crédit
More informationFRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE. BNP Paribas Public Sector SCF. Reporting date 31/12/2013
CB ISSUER BNP Paribas Public Sector SCF Reporting date 31/12/2013 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group BNP Paribas Group parent company BNP Paribas SA Group consolidated financial
More informationHuman capital as a factor of growth and promotion of employment at the regional level: the case of France and Germany
QG-68-05-155-EN-C Rue Belliard 101, B-1040 Brussels Tel. (32-2) 282 22 11 Fax (32-2) 282 23 25 http://www.cor.eu.int/ Human capital as a factor of growth and promotion of employment at the regional level:
More informationThe Few Leading the Many: Foreign Affiliates and Business Cycle Comovement
The Few Leading the Many: Foreign Affiliates and Business Cycle Comovement Jörn Kleinert (University of Graz) Julien Martin (Université catholique de Louvain) Farid Toubal (École Normale Supérieure, PSE,
More information1.2 Rating RW Outlook Senior unsecured rating (group parent company) Fitch NA Moody's Aa3 Negative S&P A Negative
CB ISSUER Crédit Mutuel Arkéa Public Sector SCF Reporting date 30/09/2014 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Crédit Mutuel Arkéa Group parent company Crédit Mutuel Group consolidated
More informationlink to ECBC website ( with french SCF/SFH law (english translation) to be added
FRENCH COVERED BOND ISSUERS STANDARDISED INVESTOR REPORT CB ISSUER Crédit Mutuel Arkéa Public Sector SCF Reporting date 30/06/2013 1 GROUP LEVEL INFORMATION AND SENIOR UNSECURED RATINGS 1.1 Group Crédit
More informationDoing Business in France
Doing Business in France www.bakertillyinternational.com This guide has been prepared by Baker Tilly France, an independent member of Baker Tilly International. It is designed to provide information on
More informationKey Enabling Technologies (KETs) Observatory
Key Enabling Technologies (KETs) Observatory Country Report France: regional aspects of KETs deployment 19 March 215 Marcel de Heide (TNO) Laura Seiffert (TNO) Client: European Commission, Directorate-General
More informationCREDIT MUTUEL CENTRE EST EUROPE IN 2002 :
Centre Est Europe CREDIT MUTUEL CENTRE EST EUROPE IN 2002 : 9.1% increase in net attributable profit to 568m after a 202m transfer to the fund for general banking risks Thanks to its bankinsurance strategy,
More informationDirectorate of Social Security. Key French Social Security Figures 2011
Directorate of Social Security Key French Social Security Figures KEY FRENCH SOCIAL SECURITY FIGURES, 2012 Edition CONTENTS THE FRENCH SOCIAL SECURITY SYSTEM T The French social security system was founded
More informationCAP GEMINI. Société Anonyme with capital of 1,282,542,544. Registered office: 11, rue de Tilsitt, Paris
This document is a free translation of the original French bylaws, which, in the event of problems of interpretation, represents the official version. CAP GEMINI Société Anonyme with capital of 1,282,542,544
More informationRating Action: Moody's assigns Counterparty Risk Ratings to 12 French banks and banking groups
Rating Action: Moody's assigns Counterparty Risk Ratings to 12 French banks and banking groups 22 Jun 2018 Ratings are assigned following 6 June 2018 update to Moody's Banks rating methodology London,
More informationThe Family Branch of the French Social Security System
Caisse nationale des Allocations familiales 32, avenue de la Sibelle 75685 Paris Cedex 14 www.caf.fr The Family Branch of the French Social Security System > THE FAMILY BRANCH OF THE FRENCH SOCIAL SECURITY
More informationThe French Social Security System I - HEALTH, MATERNITY, PATERNITY, DISABILITY AND DEATH BRANCH
systèmes nationaux de sécurité sociale > France > Version anglaise The French Social Security System I - HEALTH, MATERNITY, PATERNITY, DISABILITY AND DEATH BRANCH 2016 A - HEALTH, MATERNITY AND PATERNITY
More informationAbout the Norwegian Ministry of Finance
About the Norwegian Ministry of Finance Established in 1814 Norway got its independence in 1814 and passed its written constitution. The Ministry of Finance was established 30th November 1814 in the Council
More informationClarifying the contributory component of social protection
No. 200 June 2017 Clarifying the contributory component of social protection In France, much of the high level of government expenditure (57.3% of GDP in 2014) can be explained by the size of government
More informationFASS. Setting up Funded Family Care
FASS Setting up Funded Family Care www.fass.org.nz info@fass.org.nz 0800 45 66 55 Copyright Funding Advisory & Support Services 2014 Funding Advisory & Support Services Welcome to Funding Advisory and
More informationCOMPAGNIE DE FINANCEMENT FONCIER EUROPEAN COVERED BOND COUNCIL FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE
COMPAGNIE DE FINANCEMENT FONCIER EUROPEAN COVERED BOND COUNCIL FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE September 2013 FRENCH NATIONAL COVERED BOND LABEL REPORTING TEMPLATE CB ISSUER Compagnie
More informationDriver France three. Deal Name: Issuer:
Deal Name: Issuer: Originator of the Receivables: Seller of the Receivables: Servicer name: Reporting Entity: Management Company: Custodian: Driver France three Driver France FCT Compartment Driver France
More informationDriver France three. Deal Name: Issuer:
Deal Name: Issuer: Originator of the Receivables: Seller of the Receivables: Servicer name: Reporting Entity: Management Company: Custodian: Driver France three Driver France FCT Compartment Driver France
More informationecotax Instructions of Use Eurotoll : a complete overview of the ecotax
More information on our website : www.eurotoll.eu Contact us by phone France and Western Europe : +33 (0) 825 10 10 80* Central Europe : +36 1 909 11 01 Poland : +48 61 221 05 24 Eurotoll, a founding member
More informationITV plc Policy on the Independence of External Auditors (Including the provision of non audit services)
ITV plc Policy on the Independence of External Auditors (Including the provision of non audit services) January 2017 1 INTRODUCTION The Board of ITV plc (the Company ) is committed to ensuring that the
More informationTHE OUTERMOST REGIONS, EUROPEAN TERRITORY IN THE WIDER WORLD
Madeira Saint-Martin Guadeloupe Martinique Açores Guyane Canarias Mayotte La Réunion THE OUTERMOST REGIONS, EUROPEAN TERRITORY IN THE WIDER WORLD We have always paid particular attention to the nine regions
More informationThe French Civil Service Key Figures for 2012
MINISTÈRE DE LA RÉFORME DE L'ÉTAT, DE LA DÉCENTRALISATION ET DE LA FONCTION PUBLIQUE FACTS AND FIGURES The French Civil Service Key Figures for 212 Dossiers, analyses thématiques x%±¾ ANNUAL REPORT Key
More informationSOCIETE GENERALE SFH HOME LOAN COVERED BOND PROGRAMME INVESTOR PRESENTATION NOVEMBER 2011
SOCIETE GENERALE SFH HOME LOAN COVERED BOND PROGRAMME INVESTOR PRESENTATION NOVEMBER 2011 DISCLAIMER This document may contain a number of forecasts and comments relating to the targets and strategies
More informationPopulation Activities Unit Tel Palais des Nations Fax
Population Activities Unit Tel +41 22 917 2468 Palais des Nations Fax +41 22 917 0107 CH-1211 Geneva 10 http://www.unece.org/pau Switzerland E-mail: ageing@unece.org Guidelines for Reporting on National
More informationEXTRAORDINARY SHAREHOLDERS MEETING OF DECEMBER 17, 2008 NOTICE OF MEETING AGENDA
A French société anonyme with capital of 2,191,532,680 Registered office: 16-26 rue du Docteur Lancereaux, 75008 Paris Registered with the Paris Trade and Companies Registry under number 542 107 651 SIRET
More informationFEEDBACK STATEMENT ISSUED
CONSULTATION ON AMENDMENTS TO PENSION RULES FOR PERSONAL RETIREMENT SCHEMES FEEDBACK STATEMENT ISSUED FURTHER TO INDUSTRY RESPONSES TO MFSA CONSULTATION DOCUMENTS MFSA REF: [9-2017 / 15-2018] 04 JANUARY
More informationPORTUGAL 1 MAIN CHARACTERISTICS OF THE PENSIONS SYSTEM
PORTUGAL 1 MAIN CHARACTERISTICS OF THE PENSIONS SYSTEM The statutory regime of the Portuguese pension system consists of a general scheme that is mandatory for all employed and self-employed workers in
More informationPublic-interest. renewed. Public-interest missions. 54 Caisse des Dépôts, administration. 66 Caisse des Dépôts public lender
54 Caisse des Dépôts, administration of funds requiring special protection 66 Caisse des Dépôts public lender 70 Caisse des Dépôts public investor Public-interest missions Public-interest renewed The public-interest
More informationWork Program for
CNOCP Work Program for 2016-2017 Contents Topics common to different public entities.. Central Government Accounting Standards Manual. Public Establishments Accounting Standards Manual... Future Local
More informationProposal for a DECISION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL
EUROPEAN COMMISSION Brussels, 24.10.2014 COM(2014) 662 final Proposal for a DECISION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL on the mobilisation of the European Globalisation Adjustment Fund, in
More informationJean-Marie Podesta v Caisse de retraite par répartition des ingénieurs cadres & assimilés (CRICA) and Others
Opinion of Advocate General Mischo delivered on 20 January 2000 Jean-Marie Podesta v Caisse de retraite par répartition des ingénieurs cadres & assimilés (CRICA) and Others Reference for a preliminary
More information2012 Compensation for employees whose professional activities have a significant impact on Natixis risk profile
2012 Compensation for employees whose professional activities have a significant impact on Natixis risk profile This document was drawn up in accordance with Articles 43.1 and 43.2 of Regulation 97-02
More informationno st quarter 2015 Contents
no. 83 1 st quarter 2015 Contents Changes as of 1 January 2015 1 Higher AGEFIPH contribution: tolerance expires 14 Entry into force of the Compte Pénibilité account for employees in difficult working conditions
More informationThe three-year period from 1998 to
ISSN 1286-9392 www.education.fr Traduction de la Note d information 02.53, parue en novembre 2002 The increase in gross domestic expenditure on R&D has been one of the highest over the past decade, especially
More informationEffective Approaches to Support the Implementation of the G20 High-Level Principles on Financial Consumer Protection
Effective Approaches to Support the Implementation of the G20 High-Level Principles on Financial Consumer Protection Action Plan of the G20/OECD Task Force on Financial Consumer Protection June 2012 For
More informationHarmonised Transparency Template
Harmonised Transparency Template France SOCIETE GENERALE SCF 31/01/2018 31/01/2018 Index Worksheet A: HTT General Worksheet B2: HTT Public Sector Assets Worksheet C: HTT Harmonised Glossary Covered Bond
More informationThe control system for Cohesion Policy
EN The control system for Cohesion Policy How it works in the 2007 13 budget period Canarias Guyane Guadeloupe Martinique Réunion Açores Madeira giis REGIOg Structural Funds 2007-2013: Contents Foreword
More informationProposal for a COUNCIL DIRECTIVE. amending Directives 2006/112/EC and 2008/118/EC as regards the French outermost regions and Mayotte in particular
EUROPEAN COMMISSION Brussels, 7.8.2013 COM(2013) 577 final 2013/0280 (CNS) Proposal for a COUNCIL DIRECTIVE amending Directives 2006/112/EC and 2008/118/EC as regards the French outermost regions and Mayotte
More informationBrussels, ~352JS3c
EUROPEAN COMMISSION Directorate-General for Financial Stability, Financial Services and Capital Markets Union Director General Brussels, 24 07. 7018 ~352JS3c FISMA C4 SG/acg(2018)4365900 Gabriel Bernardino
More informationACCRUED-TO-DATE PENSION ENTITLEMENTS IN SOCIAL INSURANCE: FACT SHEET
ACCRUED-TO-DATE PENSION ENTITLEMENTS IN SOCIAL INSURANCE: FACT SHEET [Belgium] [31/10/2017] Table of Contents 1. Table 29 column A: Defined contribution schemes (funded, non-general government)... 2 2.
More informationFinal report Technical advice on third country regulatory equivalence under EMIR Hong Kong
Final report Technical advice on third country regulatory equivalence under EMIR Hong Kong 1 September 2013 ESMA/2013/1160 Date:1 September 2013 ESMA/2013/BS/1160 Table of Contents Table of contents 2
More informationTaxation of French pensions paid to a resident of North America (United States of America or Canada)
Taxation of French pensions paid to a resident of North America (United States of America or Canada) This document applies to you if you are a resident of the United States or Canada and you receive French
More informationBNP Paribas Home Loan SFH. Investor Presentation
BNP Paribas Home Loan SFH Investor Presentation November 2013 1 Disclaimer This document has been prepared by BNP Paribas Home Loan SFH and BNP Paribas solely for use in investor meetings. This document
More informationExpert evaluation network delivering policy analysis on the performance of Cohesion policy Year Task 1: Financial engineering
ISMERI EUROPA Expert evaluation network delivering policy analysis on the performance of Cohesion policy 2007-2013 Year 2 2012 Task 1: Financial engineering France Version: Final Prof. Michel Lacave Technopolis
More informationGlobal Social Security Newsletter June 2017
www.pwc.com/globalmobility Global Social Security Newsletter June 2017 Global Social Security Newsletter 2 Introduction Welcome to the June 2017 edition of our global social security newsletter, bringing
More informationBusiness. Report. Committed partner to businesses & employees
2013 Business Report Committed partner to businesses & employees The Association for the Management of Employee claims (French acronym AGS), an employer organization founded in 1973 is tasked with guaranteeing,
More informationBUSINESS LINES SUPPORT FOR A CHANGING FRENCH SOCIETY. 46 Competitive businesses57 Mécénat. 22 Public-interest missions > ACTIVITIES
MASSIMO VITALI Pic Nic Allée / 2000 20 /// Annual Report 2003 Caisse des Dépôts Group BUSINESS LINES SUPPORT FOR A CHANGING FRENCH SOCIETY 22 Public-interest missions 46 Competitive businesses57 Mécénat
More informationECA-
Background paper European Insurance and Occupational Pensions Authority s (EIOPA) contribution to the supervision of and financial stability in the EU's insurance sector March 2018 1 The 2008 financial
More informationCONVENING NOTICE SHAREHOLDERS AND UNITHOLDERS MEETINGS GDF SUEZ
CONVENING NOTICE SHAREHOLDERS AND UNITHOLDERS MEETINGS GDF SUEZ A French société anonyme with capital of 2,193,643,820 Registered office: 16-26, rue du Docteur Lancereaux, 75008 Paris Registered with the
More informationProposal for a DECISION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL. on the European Year for Active Ageing (2012) (text with EEA relevance)
EUROPEAN COMMISSION Brussels, 6.9.2010 COM(2010) 462 final 2010/0242 (COD) C7-0253/10 Proposal for a DECISION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL on the European Year for Active Ageing (2012)
More informationLABOUR MARKET AND SOCIAL POLICY OCCASIONAL PAPERS - N 30 PRIVATE PENSIONS IN OECD COUNTRIES - FRANCE. Emmanuel Reynaud
Unclassified OCDE/GD(97)237 LABOUR MARKET AND SOCIAL POLICY OCCASIONAL PAPERS - N 30 PRIVATE PENSIONS IN OECD COUNTRIES - FRANCE Emmanuel Reynaud ORGANISATION FOR ECONOMIC CO-OPERATION AND DEVELOPMENT
More informationProfessional integrated welfare and sectorial welfare, pension systems.
The Liberal Professions, a lever for the Development of Europe: towards a European Manifesto of Professionals Professional integrated welfare and sectorial welfare, pension systems. Dr. Bernhard Wisleitner,
More informationHarmonised Transparency Template
Harmonised Transparency Template France Société Générale SFH 28/02/2018 28/02/2018 Index Worksheet A: HTT General Worksheet B1: HTT Mortgage Assets Worksheet C: HTT Harmonised Glossary Covered Bond Label
More informationCOMPULSORY PENSION INSURANCE UNDER GENERATIONAL SOLIDARITY PENSION SCHEME COMPULSORY PENSION INSURANCE UNDER GENERATIONAL SOLIDARITY PENSION SCHEME
COMPULSORY PENSION INSURANCE UNDER GENERATIONAL SOLIDARITY PENSION SCHEME Zagreb 2019 ENTITLEMENTS BASED ON THE GENERATIONAL SOLIDARITY PENSION SCHEME (PAYG) Old Age and Early Age Pension Entitlements
More informationDirectorate of Social Security. Key French Social Security Figures,
Directorate of Social Security Key French Social Security Figures, 2013 KEY FRENCH SOCIAL SECURITY FIGURES, 2013 2014 edition CONTENTS The French social security system Social security revenue The health
More informationIIT Policy on Spin-off
IIT Policy on Spin-off P15 - IIT POLICY on SPIN-OFF Revision Description of Modification Approval 1 First Print 23/11/2010 Index CHAPTER I General Provisions pg. 1 Art. 1 IIT goals regarding promotion
More information