In brief

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Groupe BPCE is the 2nd largest banking group in France

Profile

31 million customers

9 million cooperative shareholders

106,500 employees

7,800 bank branches

 

Financial highlights at December 31, 2017

STRONG FUNDAMENTALS

 Net banking income [1]: €23.9bn  (+2.1 % vs. 2016)

Net income attributable to equity holders of the parent [1]: €3.4bn ( +0.3% vs. 2016)

Decline in the cost of risk to 20bps, against 22bps in 2016

Loan outstandings  Retail Banking & Insurance: €543bn (+5.1% vs. 2016 )

Deposits & savings Retail Banking & Insurance: €692bn (+ 4.4% vs. 2016)

CET1 ratio [2]:15.4% (+120bps vs 31/12/16)

TLAC Ratio [2] : 20.8%

 

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 [1] Excluding non-economic and exceptional items
 [2]  Estimate at Dec. 31, 2017 - CRR/CRD IV without transitional measures ; additional Tier-1 capital takes account of subordinated debt issues that have become ineligible and capped at the phase-out rate in force