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Groupe BPCE SWOT & PESTLE analysis

ID : 52348253| Apr 2018


Business Sector :Banking and Financial Services

Operating Geography :Europe, France

About Groupe BPCE :

Groupe BPCE was established in 2009 when BanquesPopulaires and the Caissesd’Epargnemeged after the creation of their 2006 joint subsidiary, Natixis. This made Groupe BPCE the 2nd largest banking group in France as of 2017. It is headquartered in France . It offers broad based banking services which cover savings, investment, cash management services, financing solutions, insurance, and wholesale banking services. Groupe BPCE finances 20% of the French population .Its operations are carried by two retail banking networks, BanquePopulaire and Caissed'Epargne. Groupe BPCE has around 8,000 branches to carry its cooperative banking services & over 31 regional branches. It has 108,000 employees and a customer base of around 31.2 million.

Groupe BPCE Revenue :

€4bn(FY 2016)

Competitive Analysis of Groupe BPCE

The SWOT analysis of Groupe BPCE is presented below:
1. Strong Financials and Strategy
2. Strong Commercial Momentum
3. Capital Adequacy
4. Specialized Financial Services
1. Increase in Operating expenses
1. Acquisition of Dalenys.
2. Targeting new segments for a greater market share
1. Risk of cyber crime outbreak
2. Increase in competition
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Detailed SWOT Analysis of Groupe BPCE



1.Strong Financials and Strategy : Natixis and retail banking supported the 4.8% revenue growth due to low interest rates . Operating expenses remained stable in the retail banking division in HY 2017 but there was an increase in overall operating expenses by 2.2% due to development in CIB and Investment Solutions divisions. The financial liabilities at fair value through profit / loss reduced from 133,436 to 128,529 million euros. Groupe has discontinued its speculative activities and is now focused on cooperative banking and insurance . They increased capital & it’s liquidity following which profits have started flowingin . This also increased cooperative shareholders’ base to 8.6 million.

2.Strong Commercial Momentum: Business volumes increased in HY2017 due to increased activity levels . CIB division showed 46.5% growth in revenue which amounted to €850m . Retail banking made made significant contribution through its specialized financing business . There was an increase of 6.4% YoY in on-balance sheet savings & deposits. Investment solutions rose by 14% to €600m. Continued strengthening of capital adequacy & on Asia platform also supported the growth in commercial activities. Groupe BOCE developed Insurance activities which led to doubling of the proportion of unit-linked policies in gross inflows YoY of life insurance . Caissed'Epargne Picardie and the Caissed'Epargne Nord France’s merger accelerated the growth in pension income.

3.Capital Adequacy : Capital adequacy implies that the bank stands strong to meet the future regulatory requirements . Regulatory capital increased from €73 billion in 2016 to €73.4 billion in HY 2017. CET2 ratio increased by 40 basis points to 14.7% in the first half of 2017. The Stanley in risk weighted assets has remained stable in HY2017 at €391 billion . There was an increase in the total loss absorbing capacity from 19.4% in 2016 to 20% as on June 30, 2017. The total loss-absorbing capacity was €78.3bn2 on 30 June, 2017 . The total capital ratio increased from 18.5% in 2016 to 18.7% in HY 2017 which reflects sound capitalization.

4.Specialized Financial Services:To cater to a large customer base, Groupe BPCE tailors its products for different customer segments. Natxis offers insurance products and services under two categories, Personal insurance&Non-life insurance. Personal insurance includes products ranging from life insurance, savings to borrower’s insurance. Non-life insurance includes a wide range from home insurance, health insurance, personal accident insurance, legal protection insurance, para-banking insurance to remote surveillance services. This offers the end customer quality & expert in each segment .


1. Increase in Operating expenses: The operating expenses of BanquePopulaire network (which consists of 15 BanquePopulaire banks) increased in the first half of 2017, to 2,168 million euros (excluding exceptional items). This is an increase of 0.6% as compared to the first half of 2016. Operating expenses further grew in the sending half 2017 , which was up by 1.4% to 1,061 million euros. For Specialized Financial Services (SFS) division of Natixis, operating expenses rose by 2.8% (compared with the first half of 2016) to 458 million euros in the first half of 2017. In the second quarter of 2017, it further grew by 2.9%(compared with the second quarter of 2016) to 227 million euros.


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Groupe BPCE SWOT and PESTLE analysis has been conducted by Kanupriya Sheopuri and reviewed by senior analysts from Barakaat Consulting.

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