Cooperative networks

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Strategic choices serving the interests of the local and regional markets

Two major cooperative networks boasting deep roots in their different regions

The Caisses d’Epargne and Banque Populaire banks are owned by their nine million cooperative shareholders. The cooperative spirit is the common thread running through this type of particularly stable share ownership structure.

The 16 Caisses d’Epargne and 15 Banque Populaire banks own all the shares of the BPCE central institution responsible for coordinating and implementing their common policy. As a result, the national strategic choices of Groupe BPCE are made in accordance with the regional needs of its banking networks.

The Banque Populaire banks and the Caisses d’Epargne are banking institutions in their own right and enjoy considerable latitude in their decision-making. They collect savings deposits, distribute loans, and define their own priorities.

Prominent figures representing the economic life of their regions are members of their governing boards; this ensures that their resources are channeled first of all to serve the needs of the regional markets and the local population.

Banque Populaire and Caisse d’Epargne: responsible shareholders, guided by a long-term commitment

The cooperative share ownership structure allows the banks in Groupe BPCE to develop their own strategies as regionally-based enterprises and to harmonize their common strategies at a national level.

The stability of its shareholders and their commitment to the local economy enable Groupe BPCE to roll out actions over the long term. Groupe BPCE’s shareholders are not fickle investors exclusively chasing after short-term gains.

Indeed, the 16 Caisses d’Epargne and 15 Banque Populaire banks are themselves owned by a stable base of cooperative shareholders – individual customers, artisans, self-employed professionals, shopkeepers, entrepreneurs – whose motivations are those of local economic agents.