IDENTITY May 2019 a Universal Cooperative Banking Model
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IDENTITY May 2019 A universal cooperative banking model In our capacity as the 2nd largest banking group in France, we play a key role in the projects pursued by our 30 million customers, to whom we offer our support every day thanks to the expertise and know-how of our 105,000 employees. Strong, respected brands Groupe BPCE nd largest banking million million cooperative Financing 2 group in France 30 customers 9 shareholders more than 2 A universal cooperative banking model Diverse range of business activities in France and abroad Retail banking, Asset & Wealth Insurance Management Banking and financial Asset management, services, Insurance, Wealth management Specialized financing Natixis Investment Managers, Banque Populaire, Natixis Wealth Management Caisse d’Epargne, Banque Palatine, Natixis Assurances Corporate & Payments Investment Banking Capital Markets, Financing, Management of domestic, Trade & Treasury Solutions European and international payment instruments Natixis Natixis Payments Financing % of the French Present in different more than 20 economy more than 40 countries 3 RETAIL BANKING, INSURANCE Financing the economy at a local and regional level aving for retirement, buying your first apartment, starting a new business and financing your company’s growth, Smanaging your everyday banking opera- €564bn tions in a few clicks, obtaining advice on This is the total of our loan outstandings how to develop your business activities in (as at December 31, 2018) France or abroad... • As many expectations as customers Our banks provide our customers – a clien- tele of private individuals, professionals, associations, companies, and local author- €705bn ities – with personalized solutions tailored This is the total of our customers’ to their various needs and projects, ranging savings deposits from the most mundane to the most highly (as at December 31, 2018) complex… • Banque Populaire banks, Caisses d’Epargne, Banque Palatine, Crédit Coopératif, CASDEN... all our banks support their customers at every stage of their lives and play an active role in the economic development of our country. DIGITAL 4.4 million active users of Cyberplus and Banxo, the mobile applications of the Banque Populaire banks and Caisses d’Epargne. (March 2019) KEY HIGHLIGHTS Loans worth €700 million Transforming a bank card for French SMEs into a loyalty card A major agreement (for €500 million The Banque Populaire and Caisse signed in October and €200 million d’Epargne have launched FID PRO and 2018 between Groupe respectively) for small CE boost FID, an innovative digital solution BPCE and the European and medium-sized directly integrated into the payment Investment Fund enables enterprises within the terminal, to allow their professional © C. Levet/BPCE the Banque Populaire framework of their customers to develop their business banks and the Caisses mechanisms for financing activities and build customer loyalty. d’Epargne to step up competitiveness and In this way, the customer’s bank card is their support innovation projects. transformed into a loyalty card. 4 NORD RIVES DE PARIS BRED(1) (1) BRED ALSACE LORRAINE CHAMPAGNE 14 GRAND OUEST Banque Populaire banks including CASDEN and VAL DE FRANCE BOURGOGNE No. 1 FRANCHE-COMTÉ Crédit Coopératif bank for SMEs, with a 41% penetration rate AQUITAINE (2017 TNS Kantar survey – including the CENTRE ATLANTIQUE AUVERGNE RHÔNE ALPES Banque Populaire banks, Crédit Coopératif and Crédit Maritime Mutuel banks) OCCITANE MÉDITERRANÉE SUD MÉDITERRANÉE bank for professionals and individual entrepreneurs (1) BRED Banque Populaire operates in Guadeloupe, Martinique, No. 2 the Iles du Nord, French Guiana, Reunion Island, Mayotte, New Caledonia, French Polynesia, Fiji and Solomon Islands, Vanuatu, Djibouti, Ethiopia, Cambodia, Laos, Burma, and Switzerland. bank for individual No. 2 customers HAUTS DE FRANCE NORMANDIE ILE-DE-FRANCE(1) GRAND EST EUROPE 15 BRETAGNE PAYS DE LOIRE Caisses d’Epargne LOIRE-CENTRE BOURGOGNE FRANCHE-COMTÉ AUVERGNE ET LIMOUSIN RHÔNE-ALPES (1) The Caisse d’Epargne AQUITAINE POITOU-CHARENTES LOIRE No. 1 Ile-de-France is also present in DRÔME ARDÈCHE lender to the social economy Saint-Pierre-et-Miquelon. CEPAC(2) with a 19.4% market share (2) The Caisse d’Epargne CEPAC MIDI-PYRÉNÉES is also present in Martinique, CÔTE D'AZUR Guadeloupe, Saint-Martin, LANGUEDOC-ROUSSILLON Saint-Barthélémy, Saint-Pierre-et- (2) Miquelon, Reunion Island and CEPAC Mayotte. Transforming a bank card Being useful to women Banque Populaire into a loyalty card entrepreneurs launches Pack Famille The Caisse d’Epargne has again Banque Populaire has committed itself to female innovated with the creation entrepreneurship with the of the first banking offer #FemmesDeTalent program. This aimed at families. For a fixed notably includes the creation of a price, Pack Famille (or Family referral network, the signing of regional Pack) offers the majority of action plans, commitment to women’s day-to-day banking services AN ACCOUNT A CARD THE SAME THE BEST support networks, and a partnership and the best of banking PER PER ADVISOR FOR OF DIGITAL PERSON ACCOUNT EVERYONE SOLUTIONS with Business & Professional Women. innovations. 5 RETAIL BANKING, INSURANCE At the heart of real-estate financing activities or individual customers, we also offer a wide range of financial solutions and expertise, No. 1 F particularly in the field of credit (consumer for real estate leasing credit, sureties & financial guarantees, tailor-made in France factoring services, equipment and real-estate (In-house analysis) leasing, financing solutions dedicated to real- estate professionals). No. 2 LEADING PLAYER IN REAL-ESTATE for home loan guarantees FINANCING FOR INDIVIDUAL in France (In-house analysis) CUSTOMERS €50bn This is the aggregate total of home loans granted by our No. 3 banks to French households for consumer credit and factoring in 2018, representing one out in France of every four real-estate projects (In-house analysis) A front-ranking insurer o satisfy the needs of the customers of the Banque Populaire and Caisse d’Epargne retail No. 3 banking networks, Natixis Assurances designs for bancassurance in France T (Based on 2017 revenues, and manages a comprehensive range of personal Argus de l’Assurance 2018) insurance products (life insurance, savings, trans- fer of assets, retirement, death benefit, long-term care insurance, payment protection insurance) and non-life insurance products (car and comprehensive home insurance, supplementary health insurance, personal accident insurance, multimedia device insurance, legal protection, non-banking insurance, remote surveillance, professional insurance). % • We are the fastest-growing player in the French 95 market and one of the top 10 insurance companies. of our customers are satisfied with the management of their claims 6 KEY HIGHLIGHTS Supporting business innovation With the Next Innov and Néo to the expertise of about one Business solutions for the Banque hundred specially trained advisors Populaire banks and Caisses in more than 70 specialized d’Epargne respectively, our business centers. For its part, two brands support innovative Néo Business boasts 50 Innovation companies and start-ups. In this project managers and has entered way, the customers of the Banque into approximately one hundred Populaire banks enjoy access regional and national partnerships. Instant payment: a first in France! DIGITAL Natixis Assurances is the first insurance company in France to offer its customers 26.7 million a new, exclusive service providing for instant credit transfers carried compensation of insurance losses. Immediately out from mobile terminals after presenting their insurance claims, insured in the first quarter of 2019 customers have their bank accounts credited in real time with the compensation paid out. Selfcare Mobile, your bank in a couple of clicks In 2018, the Banque Populaire and Caisse d’Epargne banking applications were enhanced with new functionalities to simplify customers’ day-to-day banking practices: the execution of standing orders, deferred or instant credit transfers or transfers between friends; the instant MoneyPitch, a private bank addition of a beneficiary; real-time management in your mobile phone of their bank card in order to activate/deactivate remote or overseas payments or to block/ MoneyPitch, a digital solution, helps all the private unblock their card; enhanced security of online banking customers of the Banque Populaire banks and banking transactions thanks to Secur’pass, a Caisses d’Epargne in the management of their assets. customizable and reusable code. Our customers Through a secure web portal and mobile application, can also take out a 100% digital consumer loan, they enjoy access to extremely high-level services, completing the entire subscription process from ranging from account aggregation to personalized initial simulation to signing the offer, thanks to investment advice thanks to the expertise of their the use of electronic signatures. private banker. They can consult their personal financial situation 24 hours a day, 7 days a week, monitor the performance of their investments using 4.3/5 theme-based dashboards and receive notifications is the customer satisfaction rate for the Banque according to their investor profile. Populaire and Caisse d’Epargne applications 7 ASSET & WEALTH MANAGEMENT Helping our customers to achieve their investment targets atixis Investment Managers, the Group’s We make the full array of our expertise avail- management company boasting