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Bpce:VISION 2030: enabling our clients, cooperative shareholders, and employees to trust in the future
VISION 2030: enabling our clients, cooperative shareholders, and employees to trust in the future
Groupe BPCE is starting a new chapter in its history with the launch of its VISION 2030 strategic plan. Outlining the major strategic priorities of the Group and its business lines between now and 2030, this plan is resolutely focused on growth and on the diversification of its activities. It is accompanied by a set of commercial, financial and non-financial goals for 2026. These objectives can already capitalize on several ambitious initiatives announced in the first half of 2024.
Thanks to its century-old banking houses, Groupe BPCE is the oldest banking group in France but also the youngest given that it was founded in its current form in 2009. These 15 years have made it possible to build a solid, 100% cooperative group with 9.5 million cooperative shareholders, the 4 largest banking group in the euro zone in terms of capitalization. Serving 35 million clients, Groupe BPCE finances 22% of the French economy and holds leading competitive positions both in France and around the world.
True to its cooperative nature, Groupe BPCE has mobilized the 14 Banques Populaires, 15 Caisses d'Epargne, and BPCE's different business lines to develop a plan for growth designed to serve its clients in a society marked by four major environmental, demographic, technological, and geopolitical transitions. The acceleration and mutual reinforcement of transitions can raise uncertainties. Faced with this situation, Groupe BPCE is mobilizing its cooperative values, its local and regional presence, its business lines and expertise to enable its clients and employees to assert their power to act and trust in the future .
VISION 2030 sets a course for Groupe BPCE and all its companies, organized around three pillars.
1 • FORGING OUR GROWTH FOR THE LONG TERM
We have defined a new growth model to be implemented simultaneously in three major geographical circles (France, Europe, and the World) with a view to diversifying the Group's sources of revenue by combining organic growth, industrial and commercial partnerships, and external growth operations:
A LEADING GROUP that sets targets for each of the following three growth circles :
and develops new diversified and ambitious partnerships to gain in scale and quality for its clients, to complement our range of solutions, to become an ecosystem aggregator, and to jointly develop the game-changing solutions of the future.
and managed in line with the principles of “Cooperative performance,” charting our growth over the long term reconciling robustness (regular, low-volatility profitability, moderate risk appetite, high solvency levels), subsidiarity (rapid decision-making in close contact to territories), and impact (equal attention paid to the impact on clients, employees, and society at large). This performance will be based on the recognized innovative capability of all the Group's business lines.
* CAGR: compound annual growth rate
2 • GIVING OUR CLIENTS TRUST IN THEIR FUTURE
its clients to realize their projects, with two priorities for action in a changing world: housing and territories competitiveness
Housing
Creation of a new business line bringing together all Groupe BPCE's expertise , with a view to producing, enhancing the value of real estate assets, renovating, and making sustainable home ownership possible for as many people as possible.
Territories competitiveness
Competitiveness of companies by helping SMEs to grow into the ISEs of the future, by using our key expertise to provide companies with strategic and business transformation advisory, and by channeling local savings into regional companies capital.
Competitiveness of infrastructure by providing financing essential of key infrastructure projets to ensure the success of transitions (Healthcare, Sport, Low-carbon energies, Environment, Mobility, and Telecoms).
Finally, the competitiveness of strategic sectors to maintain their presence in, or their relocation to territories.
and secure its clients, regarding their situation (individual, family or professional), their property , their data , their wealth , their savings or their retirement . These solutions will be accessible to all, via our Banque Populaire and Caisse d'Epargne retail banking networks, or directly. Our goal is to become the 4 largest insurer in France.
with client relationship models offering the best of human and digital capabilities, enhanced by AI. Clients will be free and autonomous to choose how they prefer to interact with their bank from 100% digital to 100 % physical with the option of combining the two. All our clients, as well as our account advisors, will benefit from the contributions of AI used in an ethical and responsible manner, and applied to use-cases that create value.
3 • EXPRESSING OUR COOPERATIVE values in all TERRITORIES
reasserting its commitment to its core strengths: the combination of powerful, complementary brands (Banque Populaire, Caisse d'Epargne, Natixis CIB, Natixis IM, Oney, and Palatine), full-fledged regional banking houses, and expertise that distinguish the Group from its peers, sources of new value creation for all its stakeholders .
of the Olympic & Paralympic Games Paris 2024
Nicolas Namias, CEO of BPCE, said : “In keeping with our cooperative values, we have defined with the different companies of the Group a goal for long-term growth and diversification, ' VISION 2030 .' Thanks to our powerful brands – Banque Populaire, Caisse d'Epargne, Oney, Banque Palatine, Natixis CIB, Natixis IM – we enjoy a detailed understanding of our clients' various needs. Faced with the increasing pace of the environmental, demographic, technological, and geopolitical transitions currently transforming society and that can, at times, create a feeling of uncertainty, Groupe BPCE is mobilizing the strength of its local and regional presence, its business lines and expertise to enable its clients, cooperative shareholders, and employees to trust in the future before them.
Our new, ambitious and diversified growth model embraces three major geographical circles – France, Europe, and the World – and is founded on organic growth, acquisition-driven growth, and partnerships. We have set ourselves several ambitious goals for 2030: in France, we aim to become the bank for 1 out of every 4 French people, and the No.1 bank for professionals and businesses, to make housing and regional competitiveness two strategic focus, and to become the 4 -largest insurance company in France; in Europe, our goal is to build a leading financial services specialist and a major player in payments; in the international market, we want to strengthen our role as a global player in transition management by developing front-ranking positions in corporate & investment banking and asset management. In all our business lines, we will launch the 'impact revolution,' supporting all our clients thanks to the strength of our locally-based solutions: generating 'impact for all.'
We have given tangible shape to our goals by defining a number of commercial, financial and non-financial objectives to be reached by 2026, which, when taken together, define our cooperative performance. We are keeping our solvency requirements among some of the highest in Europe, with a CET1 ratio in excess of 15.5%, and the goal of generating net income equal to €5 billion.
Our Group is already on the move. We have announced in 2024 a number of major projects that will notably enable us to become the European leader in capital goods leasing and, within a partnership, to create the No. 1 payment processor in France and one of the top 3 in Europe.
With this ambitious vision for 2030, the specific goals for 2026, and the movement already launched in 2024, we are resolutely creating new momentum for growth. The women and men of our companies who are currently, and enthusiastically, supporting the extraordinary initiative of Paris 2024, demonstrate every day their passion for new challenges! Together, we'll ensure the success of VISION 2030 .”
TO SUMMARIZE
Vision 2030 : Our markers
Objectives 2026
A new growth sequence
* CAGR: compound annual growth rate
Movement already underway in 2024: Our achievements
ANNEXES
A ROADMAP FOR GROWTH FOR ALL OUR BUSINESS LINES
1 • Banque Populaire and Caisse d'Epargne
The banking group of 1 in of every 4 people in France and the leading bank for professionals and corporates
Retail banking centered on clients and on the satisfaction of their needs :
Simpl e
Banks offering hyper-personalization and freedom of choice.
Engaged
Banks that are “partners of confidence” for life and with a positive impact on major transitions
Local
Banks present where and how our clients want them, “100 % digital to 100 % physical”
High-performing regional banking houses
promoted by their clients
2 • Insurance
All creators of peace of mind: to become the 4 -largest insurer in France
3 • Payments
Be the go-to player for payments and point-of-sale financing, by asserting the essential nature of this activity for our clients
4 • Financial Solutions & Expertise
New horizons for a leading provider of specialized financing solutions
5 • Natixis CIB
Driven by talent, a corporate & investment bank among the global leaders in its key areas of expertise, through diversified growth, a positioning at the heart of transitions and an adapted model
6 • Natixis IM
Be the preferred choice of our clients by meeting their comprehensive need through active and conviction-based investment strategies and solutions
A MOBILIZATION OF ALL TO ATTAIN OUR GOALS
1 • Human resources
An employer with a lifelong influence
Groupe BPCE wants to give people the opportunity to flourish and be proud to invest themselves in the banking and insurance profession by:
2 • Technology
Strong IT serving a resilient, innovative, efficient and ethical group with major ambitions:
3 • Artificial intelligence
AI serving performance and simplicity for our clients and employees , with an ethical and responsible use guided by three convictions:
A TRAJECTORY FOR 2026
FINANCIAL GOALS
Sustainable growth in our business lines
Acceleration in investment and in operational efficiency
Growth momentum with controlled risks
One of the highest levels of solvency in Europe
NON-FINANCIAL GOALS
About Groupe BPCE
Groupe BPCE is the second-largest banking group in France. Through its 100,000 staff, the Group serves 35 million clients – individuals, professionals, companies, investors and local government bodies – around the world. It operates in the retail banking and insurance fields in France via its two major networks, Banque Populaire and Caisse d'Epargne, along with Banque Palatine and Oney. It also pursues its activities worldwide with the wholesale banking expertise of Natixis Corporate & Investment Banking and the asset & wealth management services provided by Natixis Investment Managers. The Group's financial strength is recognized by four financial rating agencies with the following senior preferred LT ratings: Moody's (A1, outlook stable), Standard & Poor's (A, outlook stable), Fitch (A+, outlook stable) and R&I (A+, outlook stable).
Groupe BPCE press contact
Christophe Gilbert: +33 1 40 39 66 00
christophe.gilbert@bpce.fr
groupebpce.com
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