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Strategic Plan Groupe BPCE 2014-2017

Groupe BPCE presents its strategic plan for 2014 - 2017

“TOGETHER”, 2010 – 2013,
a plan devoted to the recovery and construction of the new Group: Groupe BPCE is now a major, cooperative financial services group, entirely dedicated to its customers in the area of banking and insurance
a plan for the further growth and transformation of the Group based on a single ambition: to satisfy the expectations and needs of our customers even more fully by reasserting the Group’s distinguishing cooperative identity

Goals of the strategic plan

To achieve in 2017

  • Net banking income in excess of 23 billion euros
  • An additional one million principal active customers  using local banking services
  • A cost/income ratio of less than 65%
  • Net income of 4 billion euros
  • A Common Equity Tier-1 capital adequacy ratio under Basel 3  in excess of 12% in 2017
  • An overall capital adequacy ratio of more than 15% in 2017 at the very latest


PTo realize this ambition and achieve these goals, Groupe BPCE has set itself four investment priorities and will be implementing three levers for action.

Four investment priorities

  • Banque Populaire banks and Caisses d’Epargne: create local banks commanding leading positions for offline and online relations
  • To finance its customers, establish the group as a major player in savings, and move away from a “loans-based” approach to an approach based on “financing”
  • become a fully-fledged bancassurance specialist
  • accelerate the pace of the group’s international expansion

Three levers for action

  • Collective efficiency
  • The individual talents of the men and women in the Group
  • The reassertion of Groupe BPCE’s essential difference as a cooperative banking Group working through the regional Banque Populaire banks, Crédit Coopératif, CASDEN-Banque Populaire and the Caisses d’Epargne


[1] Aged 25 or more
[2] Without phase-in, including for deferred tax assets on losses carried forward