In brief

bannière_profil

Groupe BPCE is the 2nd largest banking group in France

Profile

35 million customers

8.9 million cooperative shareholders

108,000 employees

8,000 bank branches

 

Financial highlights at December 31, 2015

STRONG  PERFORMANCE

 

Net banking income [1]: €23.8bn  (+4.5 % vs. 2014)

Net income attributable to equity holders of the parent [1]: €3.2bn ( +11.6% vs. 2014)

Cost/income ratio [1]: 67.7%

Cost of risk down: 29 bps

Loan outstandings  Banque Populaire banks and Caisses d’Epargne networks: €397bn (+ 4.7% vs. 2014 )

Deposits & savings Banque Populaire banks  and Caisses d’Epargne networks: €628bn (+ 3.9% vs. 2014)

Common Equity Tier -1 Ratio [2]:13.2% (+120bps vs. 2014)

Capital Adequacy Ratio [2]: 17% (+140bps vs. 2014)

 

 

[1] Excluding revaluation of own debt (for the Group’s results only) and excluding the impact of the introduction of the Funding Valuation Adjustment (FVA)
[2] CRR / CRD 4 without transitional measures and after restatement to account for deferred tax assets