close at hand and farsighted

Cover photo : Caisse
d’Epargne Picardie
home office in
Amiens.
Anaïs Panier,
Project Manager,
Businesses for
Caisse d’Epargne
Picardie.
BLOG
Caisse d’Epargne et de Prévoyance de Picardie – Banque coopérative régie par les articles L.512-85 et suivants du Code monétaire et financier, Société Anonyme à Directoire et Conseil d’Orientation et de Surveillance – Capital social de 268 492 540 euros – Siège social : 8, rue Vadé, 80064 Amiens cedex 9 – 383 000 692 RCS Amiens – SIRET 383 000 692 02257 – Code NAF 6419 Z
N° TVA intracommunautaire FR34383000692 - Intermédiaire d’assurance, immatriculé à l’ORIAS sous le numéro 07 008 031 – Titulaire de la carte professionnelle « Transaction sur immeubles
et fonds de commerce sans perception de fonds, effets ou valeurs » n° 267 délivrée par la Préfecture de la Somme, garantie financière : CEGC, 128, rue La Boétie, 75378 Paris cedex 08.
Photos © Benjamin Teissedre / Comdesimages
caisse-epargne.fr/picardie
CLOSE AT
HAND AND
FARSIGHTED
DEEPLY ROOTED IN THE HEART
OF PICARDY
Caisse d’Epargne Picardie is
headquartered in the heart of the city of
Amiens, in the Gare la Vallée district, a
rapidly changing area these days. By the
year 2017, this district is programmed to
host a blend of leading-edge activities,
innovative housing projects, state-of-theart facilities and new public spaces.
CA IS S E D’E PA RGN E P IC A R DIE
A BANK THAT STANDS BY
ITS VALUES
ATTRACTIVE, INNOVATIVE
AND COMMITTED
A cooperative bank held by over 120,000 customermembers, Caisse d’Epargne Picardie shares in the
economic and social stakes of its territory. We assist our
clients – private individuals, professionals, businesses
and local authorities – in their projects and therefore
contribute in promoting the economic development of
our region and improving its living environment.
In order to keep ever closer to its clients, Caisse
d’Epargne Picardie invests in the future.
Committed to maintaining a close relationship based on
listening to its clients, Caisse d’Epargne Picardie has
skilfully anticipated evolutions in order to adapt to the
demands of its environment and to achieve a steady
growth.
Solidarity is a fundamental value of our cooperative
model. Thus, we take an active part in the fight against
all forms of exclusion and we finance 50% of microloans
in Picardy. Through our foundation, "Learning, working
and living in Picardy", we assist those associations that
provide support to the most vulnerable population
groups in our region.
For all the above reason, I remain convinced that all
conditions are met for Caisse d’Epargne Picardie to
prove ever more enterprising and supportive
throughout its territory.
Both as a cooperative bank and a major regional
business, we are committed to establishing long-lasting
relationships with our clients and our territory, by
refusing any form of short-term policy. Therefore, we
are deeply gratified by the fact that an ever-increasing
number of private individuals, professionals,
businesses and institutional bodies have placed their
trust in Caisse d’Epargne Picardie
At a very early stage, we developed innovation not as an
end per se but because it nurtures a qualitative
relationship with our clients : by making available
extended expertise in financial, legal or fiscal
engineering in support of legacy or investment
schemes; and also by continued investments in our
technological tools, so that each of our clients might
benefit from the best solutions in his contacts and
dialog with his bank.
To end with something I am particularly proud of, I wish
to emphasize the constant commitment of our 1,200
staff members to the excellence of their client
relationship. It is thanks to them that our bank will keep
on making a difference.
Yves Hubert
Laurent Roubin
Chairman of the
Steering and Supervisory Board
Directory Chairman
C AISS E D ’E PA R GNE P ICA R D IE
DECISION-MAKING
IN PICARDY
Pascal Brian and
Alain Prouff in a
Directory meeting
in Amiens.
We provide daily assistance to private individuals, professionals, businesses and institutional bodies in their
investment and savings projects and in ensuring their
financial protection.
Our 1,200 staff members in Picardy bring together all
the skills that will allow to work out the solutions
adapted to our clients’ projects, whatever their size.
As a fully-fledged regional bank, we make all our decisions in Picardy and are thus able to respond swiftly
and responsibly to our clients.
As a cooperative bank, we belong to our 120,000 customer-members spread out over the whole territory; our
customer-members guarantee a balanced sustainable
development.
600,000
PRIVATE CLIENTS
114 AGENCIES IN PICARDY
The La Victoire agency in Compiègne
(Oise), is one of the 114 agencies
scattered throughout the territory. As a
regional bank, Caisse d’Epargne Picardie
works closely with its clientele, in both
urban and rural environments.
20,000
BUSINESS AND
PROFESSIONAL CLIENTS
th
5
PRIVATE EMPLOYER
IN THE REGION
7
C AISS E D ’E PA R GNE P ICA R D IE
INNOVATING
FOR OUR
CLIENTS
114
AGENCIES
1
ONLINE AGENCY
We offer all our clients a personalized advisory relationship and a global approach of the family’s needs
and projects.
5
BUSINESS CENTERS
As partners of our clients in banking and insurance, we
stand by them in every key stage of their lives.
Our clients can access their bank as and when they
wish, they can open an account, subscribe to a savings
or credit product, by appointment with the agency, by
phone, e-mail, internet, or by means of the mobile application. At any time, their counsellor or an expert
advisor is available to meet and assist them.
For our clients, we combine the best of a human relationship and the best of a digitalized world.
MONBANQUIERENLIGNE
FACILITATING THE RELATIONSHIP
WITH OUR CLIENTS
Innovation lies at the heart of our
agencies. Laetitia Monteiro, Business
Advisor with the agency in Senlis (Oise),
assists Christina Roxo in the use of the
reception terminal.
For our many clients who
operate outside Picardy, we offer
a 100% online direct banking
service. They are assisted by the
same quality of counselling as
that which is offered in an
agency and provided with all the
expertise required to answer
their every need.
A remote
relationship
provides great
flexibility for
Caroline Gouilly,
an active woman
and mother.
9
INVESTING
IN PICARDY
We finance the regional
economy
We provide a concrete support to the economy of Picardy
by financing the projects of our clients, whether private
individuals, professionals, businesses or institutional
bodies.
Because we are a major economic player all over the
region, because we decide locally, we gauge and share
in the stakes of the industrial and social development
of Picardy.
As a regional bank, every euro deposited or invested in
Caisse d’Epargne Picardie by our clients is thus reinvested
in projects that contribute to the economic development
of the region.
INNOVATION AND GREEN
BUSINESS
Christophe Baudelet (right), CEO of
Cogénération Biomasse d’Estrées-Mons
(CBEM) guides Pascal Lefort, Assistant
Manager Businesses, Institutional bodies
and Key accounts with Caisse d’Epargne
Picardie, on a tour of the site. Caisse
d’Epargne Picardie finances flagship
projects in the territory’s promising
growth sectors (food industry,
aeronautics and renewable energies).
The 30% progression of our outstanding loans over 5
years thus testifies to the growing trust our ever-increasing clientele of private individuals, professionals
and businesses keeps granting us.
1,5
BILLION
IN LOANS EACH YEAR
11
CA ISSE D’EPA RGNE PICA RD IE
Hervé Petit,
Manager for France
with LeMaître
Vascular, regularly
meets Giuseppe
Carlone, Group
Director for Wealth
Management with
Caisse d’Epargne
Picardie.
Hugues Savoyen,
Professional
Clientele Manager
with Caisse
d’Epargne Picardie,
assists our clients in
the professions,
both for the
professional and
private sides.
Business banker, partner and
investor
We leverage all our skills in the professional sectors, in
associations, businesses, institutional bodies and private
management in order to offer a high quality of service
to our clients, both for their daily banking needs and for
their development project.
Our experts assist Picard export companies in safeguarding their activity and their international growth.
We provide our know-how to businesses that invest in
the territory, in debt management for major growth
projects.
Our subsidiaries, Picardie Capital and Picardie Foncière,
invest in the equity of talented developing companies
as well as in corporate real estate, commercial or logistical.
Private banker
Our forty specialists in Private Management and Wealth
Management are mobilized to provide the best answers
to the legacy projects of all our clienteles. Their
assistance may be provided in collaboration with outside
partners : lawyer, notary public, chartered accountant
or tax adviser.
We also offer personalized expertise for corporate
leaders, integrating the twofold aspect of professional
and personal life.
12
1 BUSINESS
OUTA CLIENT
OF 5
6.3
BILLION
IN OUTSTANDING LOANS
11
BILLION
IN DEPOSITS AND CLIENT
INVESTMENT
13
RESPONSIBLE PROCUREMENT
Patrick Allais, Logistics Manager with
Caisse d’Epargne Picardie, has entrusted
mail insertion tasks to Picardie Ateliers
Amiens, managed by Christian Hennerez.
Strongly involved in the "adapted and
protected" sector for disabled workers,
Caisse d’Epargne Picardie regularly resorts
to ESAT (Assistance through Employment
Establishments and Services) and EA
(Adapted Businesses) within the framework
of its responsible procurement policy.
GETTING INVOLVED
IN PICARDY
We hold the region's social responsibility at the very heart of our
professions. We uphold a policy of
patronage and active solidarity in
favour of our territory and its inhabitants.
Our policy of responsible and caring
purchasing is based on a trusting
relationship. As far as possible, we
work with local suppliers and pay
the utmost care to their social and
environmental performance.
15
C AISS E D’EPARGN E PIC AR DIE
The Caisse
d’Epargne Picardie
Foundation allotted
a 5,000 € grant to
the Bohain en
Vermandois (Aisne)
Social and Cultural
Centre, in the
context of the "Youth
and Health" call for
projects.
SUPPORTING
TALENTS
A strongly-affirmed social
responsibility
The commitment of our foundation "Learning, Working
and Living in Picardy" can be found in our support
for such public interest topics as basic skills training,
career training, finding or creating jobs, autonomy
of the elderly, ill or disabled citizens, mobility and
housing.
Through our Parcours Confiance social microcredit
schemes for private individuals and professionals, we
provide a banking support for people who are denied
the traditional bank financing
schemes.
1.5EUROSMILLION
DEDICATED
TO OUR PATRONAGE AND
SOLIDARITY DRIVES
50%
OF MICROLOANS IN
PICARDY
Pedagogy and financial education
are also part of our role in society.
Our Finances et Pédagogie teams
conduct among young people and
vulnerable groups a number of awareness and training seminars on family budget management and banking custom.
Taking an active part in the
region’s cultural influence
OUR PASSION
FOR REGIONAL
SPORTS
From initiation to
competition, we
support sporting
events and the icehockey teams in
Amiens, basketball in
St Quentin and
football in Beauvais.
Each year, we support quality initiatives and players
who bring life to our region. In this way, we provide
access to prestige musical events in the main cities of
Picardy.
Sabine Cazenave,
curator of AmiensMétropole Museums,
shows Claire Delsart,
in charge of external
communication for
Caisse d’Epargne
Picardie, the mural
fresco designed by
Sol Lewitt, an
American artist.
We assist young talents with the help of the association
Talents et Violoncelles, by making available a highquality cello to a young local to accompany him throughout
his musical evolution.
We are also a member of the circles that sponsor the
Chantilly Estate, the Picardy Museum, Amiens Cultural
Centre and Compiègne’s Imperial Theatre
The cello financed by Caisse d’Epargne Picardie was
entrusted for a 2-year stint to Gustave Bourgeois,
from Clermont (Oise).
16
17
The fortified church
at Flavigny-le-Grandet-Beaurain (Aisne).