Institutional presentation of Groupe BPCE - BPCE Group.pdf · APRIL 2014 PRESENTATION OF GROUPE...

Institutional presentation of Groupe BPCE

APRIL 2014

PRESENTATION OF GROUPE BPCE – Corporate Communications Department APRIL 2014 2

Contents

1. A major cooperative banking and insurance group

2. Groupe BPCE, a unique organizational structure

3. An ambition for 2017: "Another way to grow"

4. The Group's business lines

5. Investing in human talent

6. Innovation at the service of all our customers

7. A socially responsible institution

8. Sponsoring & corporate philanthropy: shared values


1. A major cooperative banking and insurance

group


2nd largest banking group in France at the service of all types of customers, with a strong local presence


Key figures

36 million customers 8.8 million cooperative shareholders

115,000 employees

8,000 branches


● The Banque Populaire banks and Caisses d’Epargne, 50:50 shareholders of Groupe BPCE 19 Banque Populaire banks, including CASDEN

Banque Populaire and Crédit Coopératif 17 Caisses d’Epargne They are local banking institutions administered by boards representative of the economic and social life of their respective regions and organized on a human scale, close to their customers and cooperative shareholders.

● BPCE, an unlisted central institution responsible for

defining the Group’s strategy, implementing shared policies, and playing an oversight role.

● Subsidiaries responsible for the business activities that the Banque Populaire banks and Caisses d’Epargne cannot pursue alone for reasons of critical mass, technical expertise, or international presence.

A strong cooperative base

At the service of the different regions 20% of the funds used to finance the French economy are provided by banks belonging to the Group

Owned by its cooperative shareholders 8.8 million cooperative shareholders own 100% of their bank’s capital

Committed to long-term, local relations Local presence at the heart of the regions; the commitment of long-standing relationships




Moderate risk profile Major gains in capital

adequacy

Key figures 2013 % change 2013/2012

Strong commercial dynamism of the core business lines*

Core business lines revenues

Commercial Banking & Insurance revenues

Natixis core business lines revenues

€21.6bn

€15.2bn

€6.4bn

+4.6%

+4.5%

+5.0%

Major contribution to financing the French economy

Loan outstandings (gross) - Groupe BPCE

o/w Banque Populaire and Caisse d’Epargne

€591bn

€366bn +6.1%

Robust 2013 results

Attributable net income**

Cost/income ratio of the core business lines

Cost of risk

€2.9bn

65.9%

35 bp

+26.2%

-2.3 pts

-2 bp

Continuous improvement in capital adequacy

Common Equity Tier-1 ratio under Basel 3 10.4% +150 pts

A detailed presentation of the 2013 annual results is available on www.bpce.fr

Group’s robust financial performance

* Core business lines: • Commercial Banking and Insurance • Wholesale Banking • Investment Solutions • Specialized Financial Services

** excl. revaluation of the Group’s own debt



A three-tier structure

Two cooperative retail banking networks,

shareholders of BPCE

19 Banque Populaire banks 17 Caisses d’Epargne

A central institution at the service of the Group

BPCE • Defines the policy and strategic objectives of the Group and

its networks

• Oversees the Group with respect to its liquidity, capital adequacy, risk management and internal control procedures

• Represents the Group on regulatory bodies and negotiates national or international agreements

• Coordinates sales and employment policies

A network of subsidiaries

Natixis – A financial institution listed on the Paris Bourse Crédit Foncier Banque Palatine BPCE International et Outre-mer, etc.


2. Groupe BPCE, a unique organizational structure March, 31, 2014


3. An ambition for 2017



Constantly improve our response to customers’ needs and expectations while reasserting the Group’s distinctive identity as a cooperative banking group

Net banking income > €23bn 1 million additional principal active

customers using local banking services Cost/income ratio < 65% Net income of €4bn Common Equity Tier 1 capital adequacy

ratio under Basel 3 > 12% Overall capital adequacy ratio > 15% in

2017 at the latest

A 2014-2017 strategic plan for development and transformation

To realize this ambition and achieve these objectives, Groupe BPCE has set itself 4 investment priorities and is implementing 3 levers for action

A detailed presentation of the strategic plan is available on www.bpce.fr

Ambition

Targets for 2017


Digital Creating leading banks for one-to-one and online relations


Insurance Becoming one of the leading bancassurance specialists in France

International Speeding up the pace of the Group’s internationalization

Bank Reasserting the Group as a major player in savings to better finance its customers

Reasserting the Group’s

identity as a cooperative

banking institution

Investing in the individual talents of the

Group’s employees

Enhancing collective efficiency

4 investment priorities

3 le

vers

for

act

ion


An extensive range of banking and insurance products Management of everyday banking services, credit, e-money solutions, private banking and wealth management, receivables management, savings, retirement planning, tax optimization, investment, life and non-life insurance, provident insurance, credit insurance, etc.

A major role in real estate financing with Crédit Foncier and its subsidiary, SCF

A significant presence in overseas French territories and in the international arena in Europe, the Mediterranean basin, sub-Saharan Africa, and the Indian Ocean via the banks belonging to BPCE IOM and BRED Banque Populaire

Commercial banking and insurance

N°1 BANK FOR SMEs

N°2 BANK FOR INDIVIDUALS

N°2 BANK FOR SELF-EMPLOYED PROFESSIONALS AND ENTREPRENEURS




Wholesale Banking Advisory services and support provided to companies, institutional investors, insurance companies, banking institutions and entities in the local public sector. A diversified range of financing solutions and access to the capital markets.

Investment Solutions 4 activities: asset management, insurance, private banking and private equity. Management and distribution structures tailored to the specific nature and regulations of the different markets (United States, Europe, Asia).

Specialized Financial Services Specialized financing services (factoring, sureties and guarantees, consumer finance, leasing solutions, cinema and audiovisual financing) and financial services (employee savings schemes, payments, securities services).

Corporate & Investment Banking, Asset Management and Financial Services with Natixis

15th LARGEST ASSET MANAGER WORLDWIDE

N°1 KEEPER OF EMPLOYEE SAVINGS ACCOUNTS

N°1 ON THE EURO PRIMARY BOND MARKET FOR FRENCH CORPORATES Source: Cerulli Study, july 2013


Banque Populaire

The bank that encourages action, by reassuring and supporting its customers in the realization of their projects, over the long term.

Strong positions. More than 1 million professional customers, the banks for 1 in 3 tradespersons and 1 in 4 franchisees, leader for loans for new business creation.

Key figures 19 Banque Populaire banks (including CASDEN Banque Populaire and Crédit Coopératif)

8.9 million customers 3.9 million cooperative shareholders

3,330 branches

17 online branches

€207bn in savings deposits

€166bn in loan outstandings

€6.4bn in net banking income


Caisse d’Epargne

Strong positions. The Caisses d’Epargne boast leading positions in financing the public sector, social housing and the social and solidarity-based economy. They also enjoy reference status for services to individual, professional and corporate customers.

Banking. New definition. Serving customers in their own best interests thanks to innovative services, sound advice and a high-quality, long-term relationship.

Key figures 17 Caisses d’Epargne

26 million customers 4.9 million cooperative shareholders

4,200 branches

17 on-line branches

€370bn in savings deposits

€201bn in loan outstandings

€7bn in net banking income


Natixis

Key figures More than 15,000 experts in 36 countries (excl. Coface)

€7.2bn in net banking income

€1.1bn in net income attributable to equity holders of the parent

Natixis, a company listed on the Paris Bourse, provides long-term support throughout the world to its clientele of companies, financial institutions and institutional investors as well as to the customers of the Group’s retail banking networks (individual, professional and small-business customers)

Natixis pursues its activities in three geographical regions: North & South America, Asia/Oceania, and Europe, Middle East and Africa (EMEA)

A detailed presentation of the 2013 annual results is available on www.natixis.com



An ambitious employee relations policy…

Attracting talented people and winning their loyalty

Developing the skills and employability of our people

Anticipating change and helping our employees to adapt

Promoting openness and equal opportunities

Creating the conditions for a constructive social dialogue … given concrete expression through structural measures Development of a range of innovative training programs

Roll-out of the JUMP initiative providing customized career guidance

Coordination of a comprehensive managerial development program

Promotion of gender equality throughout the chain of command

Renewal of industry-wide disability agreements in late 2013

Launch of the first Group-wide collective pension plan in late 2012

Committed HR management for collective success

Key figures

115,000 employees

3,418 new recruits on

permanent contracts

2,597 employees on work-

study contracts

€200m invested in training


Managers central to success

> The success of the strategic plan depends upon the cohesion, solidarity

and efficiency of the entire chain of command, from the senior

executives down to managers in local branches.

Support given to the Group’s individual employees

> Our employees express legitimate expectations that must be reconciled

with the stringent requirements of efficiency and the quality of service

provided to customers.

Enduring performance at our customers’ service

> Helping employees to adapt to change, promoting collaborative

management, giving tangible expression to the cooperative dimension,

etc. The HR roadmap must adopt the same approach to employee

relations as it does to customer relations.

HR excellence at the service of the Group’s strategy

2017 targets

Management + 20 points for the sense of individual recognition enjoyed by the Group's managers

In-house mobility 100 % of vacancies published at the job center

Gender equality 1 out of 4 One senior manager out of four is a woman

Digital training x 2 As of 2014, doubling the number of employees trained in virtual classrooms (20,000)




Dilizi turns smartphones and tablet devices into “digital cash registers” enhanced with integrated services.

Dilizi The new check-out solution using mobile phones

V.me by Visa Reinventing online payments The first universal, pan-European digital wallet accessible to all consumers and all online traders to facilitate online shopping throughout Europe with complete peace of mind.

Transfer cash between individuals, buy goods or services in a local shop, pay a professional’s fees, shop online… instantaneously and free of charge.

S-money To pay, send and receive money instantaneously from a smartphone

Offering the best of both “physical” and “digital” worlds



Human resources A major force in recruitment

A real commitment to gender

equality

A socially responsible, and socially committed, purchasing policy

Playing a major role in favor of local economic growth

Economy Financing the local economy in all

French regions Supporting the social economy Key player in local employment:

87% of the Group’s suppliers are SMEs (accounting for 40% of aggregate procurement in 2013)

2013 2012

Sensitive urban areas served by the Group or close to Banque Populaire or Caisse d’Epargne branches

36% 33%

Total amount of loans providing support for the social economy granted in 2013

€0.8bn €0.7bn

2013 2012

Number of new recruits on permanent contracts* 3,418 3,992

Number of recruits on work-study contracts 2,285 2,169

* Including work-study contracts



Environment Providing funding for energy transition

At a local level:

1st French bank chosen by the European Commission to improve the distribution of eco-loans in liaison with local authorities

Among its customers: eco-loans for individual and professional customers

Reduction of the Group’s carbon footprint

2013 2012

Eco-loan outstandings of the Caisses d’Epargne and Banque Populaire banks

€2bn

€2bn

Group entities having completed a carbon audit 98% 82%

2013 2012

Assets under SRI and solidarity-based management in France

€13.4bn

€13.9bn

Solidarity-based employee savings €1.4bn €0.9bn

Number of microloans under management and their aggregate amount

13,378 microloans for €91.1m

12,470 microloans for €85.5m

Societal action Investing in social solidarity: one of the

leading asset managers specializing in SRI and solidarity-based funds in France and Europe

Financing social solidarity: a leader in solidarity-based savings in France and No.1 French banking group for micro-credit

Demonstrating a strong commitment to environmental protection and social solidarity



Working through the Votre coach by Groupe BPCE scheme, the Group gives expression to the men and women who accompany the athletes to their highest level: the sports coaches www.votrecoach.fr

Partner of the French Olympic team

Caisse d’Epargne L’Esprit Glisse skiing and snowboarding

Caisse d’Epargne L’Esprit Running jogging

Banque Populaire The Bank of the World of Sailing

Natixis and rugby

CASDEN Banque Populaire and women’s handball

Exclusive banking partner of the French National Olympic and Sporting Committee (CNOSF) since 2010, Groupe BPCE shares the same values as the Olympic movement. Next major competition: Rio 2016

The Group’s passion for all types of sport

http://www.votrecoach.fr/

http://www.votrecoach.fr/

http://www.espritglisse.com/

http://www.natixis.com/natixis/jcms/tki_5094/fr/sponsoring-sportif

http://www.voile.banquepopulaire.fr/home.html

http://www.casden.fr/



Supporting talent, promoting social solidarity

With a total of 5,500 employees, this foundation granted the official seal of State approval, combats all forms of dependency related to old age, infirmity, or disability.

This Foundation focuses its action on the development and promotion of the social and solidarity-based economy.

Natixis supports institutions and associations in the realization of their cultural, research and solidarity-based projects.

The Foundation supports personal life projects in the areas of music, disability, and the arts & crafts for periods of between one and three years.

The different Groupe BPCE companies focus their action on long-term initiatives providing support at a local level. These actions reflect the diversity of their customers, employees and of society as a whole.

The Caisses d’Epargne Foundation for Social Solidarity

The Banque Populaire Foundation

The Crédit Coopératif Foundation Natixis, a committed patron of the arts, science and social action

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