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Rapport-Annuel-Bpn-2019.Pdf Table des matières 1 RAPPORT SUR LE GOUVERNEMENT D’ENTREPRISE ....................................................................... 5 PRÉSENTATION DE L’ÉTABLISSEMENT ....................................................................................................................... 5 Dénomination, siège social et administratif ............................................................................................... 5 Forme juridique ......................................................................................................................................... 5 Objet social ............................................................................................................................................... 5 Date de constitution, durée de vie .............................................................................................................. 5 Exercice social ........................................................................................................................................... 6 Description du Groupe BPCE et de la place de l’établissement au sein du Groupe........................................ 6 CAPITAL SOCIAL DE L’ÉTABLISSEMENT ...................................................................................................................... 7 Parts sociales ............................................................................................................................................ 7 Politique d’émission et de rémunération des parts sociales ........................................................................ 8 ORGANES D’ADMINISTRATION, DE DIRECTION ET DE SURVEILLANCE ................................................................................. 8 Conseil d’administration ............................................................................................................................ 8 Pouvoirs ........................................................................................................................................................... 9 Composition ..................................................................................................................................................... 9 Fonctionnement ............................................................................................................................................. 11 Comités .......................................................................................................................................................... 11 Direction générale ................................................................................................................................... 14 Mode de désignation ...................................................................................................................................... 14 Pouvoirs ......................................................................................................................................................... 14 Gestion des conflits d’intérêts .................................................................................................................. 14 Commissaires aux comptes ...................................................................................................................... 15 ELÉMENTS COMPLÉMENTAIRES ............................................................................................................................ 15 Tableau des délégations accordées pour les augmentations de capital et leur utilisation .......................... 15 Tableau des mandats exercés par les mandataires sociaux....................................................................... 16 Conventions significatives (article L.225-37-4 du code de commerce) ....................................................... 19 Projet de résolutions en vue de l’Assemblée Générale Mixte du 28 avril 2020. .......................................... 19 2 RAPPORT DE GESTION ...................................................................................................................... 23 CONTEXTE DE L’ACTIVITÉ .................................................................................................................................... 23 Environnement économique et financier .................................................................................................. 23 Faits majeurs de l’exercice ....................................................................................................................... 24 Faits majeurs du Groupe BPCE......................................................................................................................... 24 Faits majeurs de l’entité (et de ses filiales) ....................................................................................................... 27 DÉCLARATION DE PERFORMANCE EXTRA-FINANCIÈRE ................................................................................................. 31 La différence coopérative des Banques Populaires ................................................................................... 31 Le secteur bancaire face à ses enjeux .............................................................................................................. 31 Le modèle coopératif, garant de stabilité et de résilience ................................................................................. 32 Un modèle d’affaires centré sur le développement de l’économie des territoires ............................................. 33 Les risques et les opportunités d’une RSE coopérative .............................................................................. 35 L’analyse des risques extra-financiers pour construire une stratégie RSE coopérative pertinente et ambitieuse 35 Les indicateurs clés de pilotage RSE ................................................................................................................. 36 Un engagement coopératif & RSE évalué et prouvé ......................................................................................... 40 Gouvernance coopérative : participer à la construction ............................................................................ 42 L’animation du modèle coopératif ................................................................................................................... 42 Une conduite des affaires guidée par l’éthique et l’exemplarité ....................................................................... 46 Les salariés au cours du modèle ...................................................................................................................... 53 Au plus proche des clients ........................................................................................................................ 63 Un accompagnement personnalisé de tous les clients ...................................................................................... 63 Une offre de produits favorables à la transition énergétique, écologique et solidaire ........................................ 66 Conjuguer vision long terme & développement régional ........................................................................... 71 Une proximité constante avec les parties prenantes locales ............................................................................. 71 L’empreinte socio-économique de la Banque en tant qu’employeur, acheteur et mécène ................................ 72 Attentifs aux enjeux environnementaux et sociaux ................................................................................... 75 La considération des risques environnementaux et sociaux avant l’octroi de crédit .......................................... 75 1 La réduction de l’empreinte environnementale des activités de la Banque ....................................................... 76 Note méthodologique .............................................................................................................................. 81 Rapport de l’organisme tiers indépendant la DPEF figurant dans le rapport de gestion ............................. 83 ACTIVITÉS ET RÉSULTATS CONSOLIDÉS DE L’ENTITÉ .................................................................................................... 89 Résultats financiers consolidés ................................................................................................................. 89 Présentation des secteurs opérationnels .................................................................................................. 92 Activités et résultats par secteur opérationnel ......................................................................................... 92 Bilan consolidé et variation des capitaux propres ..................................................................................... 92 ACTIVITÉS ET RÉSULTATS DE L’ENTITÉ SUR BASE INDIVIDUELLE ...................................................................................... 93 Résultats financiers de l’entité sur base individuelle ................................................................................. 93 Analyse du bilan de l’entité ...................................................................................................................... 95 FONDS PROPRES ET SOLVABILITÉ........................................................................................................................... 97 Gestion des fonds propres ......................................................................................................................
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