BRED - Banque Privée

2013
ProfilE
Banque & Assurance
www.bred.fr
Normandy
Paris region
Aisne
Brussels
Geneva
Istanbul
Guadeloupe
Martinique
Djibouti
French Guiana
Mayotte
Polynesia
La Reunion
China
(Chongqing,
Beijing)
Laos
Thailand
Cambodia
CONTENTS
4
PRESENTATION OF BRED
8
DISTRIBUTION NETWORKS
10
RETAIL CUSTOMERS
12
PROFESSIONAL CUSTOMERS
AND ASSOCIATIONS
14
CORPORATE AND
INSTITUTIONAL
16
PRODUCTS AND SERVICES
Vanuatu
Fiji
Fidji
New Caledonia
Nouvelle
Calédonie
Australia
R A P P ORT A
20
N 1N3UPEROFIL
L 2 0 1 2E –- B R E D
PRESENTATION OF BRED
BRED
BRED Banque Populaire is the largest commercial bank within
France’s second-largest banking group, BPCE. It is a cooperative
bank 130,000 cooperative shareholders and shareholders’
equity of €3 billion. It operates in two main businesses: local
retail banking in the Paris, Aisne, Normandy and French
overseas departments and territories, and commercial
banking abroad, particularly in Asia and Oceania.
In France, through a network of 400 branches and specialised
centres, it focuses on building long-term relationships with
nearly one million customers: individuals, sole traders, selfemployed professionals, high net-worth individuals, SMEs,
large companies and institutions.
It is reputed for its capacity to innovate, reflected in the
creation of new services with strong added value, particularly
in the areas of payment flows, e-commerce and private
wealth management.
BRED Banque Populaire recorded net profit attributable to
equity holders of the parent of close to €180 million in 2012,
confirming the success of a strategy focused on customer
service.
The largest commercial
bank within Groupe
BPCE
A solid financial structure
Net banking income:
€903.2 million
Consolidated net profit attributable to
equity holders of the parent:
€179.9 million
SHAREHOLDERS’ EQUITY
€3 billion
Tier 1 ratio:
13.5%
SAVINGS
€23.9 billion
of which
Insurance: €5.1 billion
Money-market UCITS: €3.7 billion
Other UCITS/management under mandate: €1.1 billion
Cash deposits: €14 billion
LOANS
€13.8 billion
1 million customers
in France
130,000
cooperative shareholders
5,000
employees, of which 25%
at international level
Data as at 31 december 2012
BRED - 2013 PROFILE
4
A multi-channel bank
400 branches
and specialised centres in France
including
330 local branches
254 in France and 76 in French overseas territories
16 business centres for small and medium-sized
enterprises
11 wealth management centres including a dedicated
private banking branch
The central branch for the local economy
Groupe BPCE
Groupe BPCE is France’s second-largest banking group.
Through its two main retail banking networks, Banque
Populaire and Caisse d’Epargne, the group’s 117,000 employees
serve 36 million customers, of whom 8.6 million are cooperative
shareholders. The group’s businesses tailor their banking
services as closely as possible to the needs of the people and
regions they serve.
With 19 Banques Populaires, 17 Caisses d’Epargne, Natixis,
Crédit Foncier and Banque Palatine, among others, BPCE offers
its customers a comprehensive range of products and services:
savings and investment solutions, cash management services,
financing solutions, insurance, investment services, etc.
Grand’Zé, our branch dedicated to major engineering
and business schools
Faithful to its status as a cooperative banking institution, the
group helps its customers realise their projects and builds
lasting relationships with them, contributing 20% of the
financing of the French economy.
Our e-branch BRED ESPACE
NET BANKING INCOME:
and its dedicated advisers by telephone and by
videoconference via bred.e-banquepopulaire.fr
€21.9 billion
Resoplus to facilitate the mobility of overseas customers
Our websites
bred.fr
bredbanqueprivee.com
bred-societaires.fr
Telephone banking service
Available until 10 p.m. from Monday to Friday and until 5 p.m.
on Saturdays
NET PROFIT ATTRIBUTABLE TO EQUITY HOLDERS
OF THE PARENT:
€2.15 billion
Core Tier 1 ratio:
10.7%
France’s second-largest
banking group
36 million customers
8.6 million cooperative
shareholders
117,000 employees
8,000 branches
Data as at 31 december 2012
5
2013 PROFILE - BRED
presentation of bred
A cooperative bank
As a cooperative bank on a human scale, deeply rooted in the
economic fabric of the regions it serves, BRED builds relationships
of trust with its customers and cooperative shareholders
A BANK THAT BELONGS
TO ITS COOPERATIVE
SHAREHOLDERS
LOCAL
ROOTS
Supporting regional development
A special form of governance
BRED belongs to its nearly 130,000 cooperative shareholders
WHO ARE REPRESENTED BY THE DIRECTORS THEY ELECT
TO THE BOARD OF DIRECTORS. These directors, committed
men and women from all professional backgrounds, with skills
spanning all the Bank’s businesses, are well positioned to
safeguard customers’ interests and to ensure their needs and
expectations are taken into account.
Lasting and sustainable development
Ownership by its customer shareholders enables BRED to
focus on LONG-TERM INVESTMENTS THAT CREATE VALUE
AND SERVICES by reinvesting all its profits to improve the
bank’s competitiveness and the quality of its services, after
remuneration of its shares as set each year by the general
meeting of shareholders. This gives BRED a solid basis
for fulfilling its commitments and missions over the long
term, thereby meeting the expectations of its cooperative
shareholders.
By the very way they are organised, cooperative banks are
firmly rooted in their local territories.
BRED, a regional bank, CONTRIBUTES TO THE DEVELOPMENT
OF THE REGIONAL ECONOMY, in particular by helping local
entrepreneurs to create wealth and helping individuals to
carry out their projects.
Despite the difficult economic conditions, the Bank continued
to invest, as reflected in a 2.8% increase in its consolidated loan
portfolio in 2012, thanks to a 3.9% increase in lending to businesses.
Active partnerships
In each of the regions where it operates, BRED has built longstanding RELATIONSHIPS WITH LOCAL ECONOMIC AGENTS:
professional associations, chambers of commerce and trade,
microcredit organisations and organisations working in aid
of social and professional reintegration. Thanks to its active
cooperation with these bodies, BRED is increasingly able to adapt
its services and businesses to the real needs of the local economy.
Key figure
130,000
GUIDED
BY A SPIRIT OF ENTERPRISE
A special enterprise culture
Founded 93 years ago by businessmen with the aim of
providing a local banking service for all, BRED’s development
continues to be underpinned by the enterprise spirit that
prompted its creation. It has thus forged a responsive,
enterprise culture at every level, fostering the INITIATIVE
AND ENERGY of its teams and the MOTIVATION AND
INVOLVEMENT of its entire staff at the service of its
cooperative shareholders and customers.
Cooperative shareholders
following the successful
capital increase in 2012,
which was oversubscribed
by 140%.
BRED - 2013 PROFILE
A culture that makes all the difference, as commercial banking
can be defined above all as a business based on human
relationships and trust.
6
“
BRED HAS FORGED A RESPONSIVE ,
ENTERPRISE CULTURE
UNDERPINNED
BY ITS VALUES
Shared values
The principles underpinning the bank’s corporate culture,
BRED’s values as a cooperative bank, guide the actions of
each member of the bank’s teams. Long-term performance is
a constant aim, requiring BRED to cultivate four other values
in its day-to-day operations: professionalism, high standards,
close relations and creativity.
PROFESSIONALISM results in expertise to the benefit of all its
customers.
high standards implying rigour and reliability in of all its
missions.
CLOSE RELATIONS with customers and with the regions,
reflected in the bank’s capacity to listen and its availability and
involvement in the local economy, as well as by the special
attention and support provided to customers in financial
difficulties.
CREATIVITY seen in the staff’s focus on progress and
innovation in the service of customers. BRED constantly
creates new products and tailored solutions for its customers.
”
Close ties with cooperative
shareholders
The bank’s cooperative shareholders own the
majority of BRED’s capital through cooperative
shares with a par value of €10.00 each. Cooperative
shares are eligible for personal equity savings plans
(PEA) and benefit from the same tax treatment as
ordinary shares but are not listed in the stock market.
BRED does not charge subscription or custody fees.
Their remuneration is decided by the general meeting
of shareholders. A remuneration rate of 3.58% was set
in respect of 2011, on a provisional basis and without
prejudice to future remuneration.
A dedicated website. The www.bred-societaires.fr
website, created in 2010 to promote the group’s
cooperative values and give them the prominence
they deserve, provides a forum for dialogue between
the bank and its cooperative shareholders. The bank’s
partner associations can use it to relay information on
their initiatives and missions. The site also presents
BRED’s actions in areas such as microcredit, integration
of young people, etc. Cooperative shareholders have
access to a dedicated shopping area.
7
2013 PROFILE - BRED
DISTRIBUTION NETWORKS
A new form
of local banking
Our customers choose their preferred channel for accessing our
services, while maintaining a close personal banking relationship
MULTI-CHAnNEL
BRANCHES
BRED DIRECT
EASY AND PRACTICAL
A personal adviser, who can be contacted
directly…
BRED Direct, the Bank’s customer relations centre, is available
until 10 p.m. from Monday to Friday and until 5 p.m. on
Saturdays so that customers can handle their DAY-TO-DAY
BANKING TRANSACTIONS by telephone with ease and comfort.
Our customers now have their ACCOUNT MANAGER’S DIRECT
TELEPHONE NUMBER AND EMAIL ADDRESS. Customers who
wish to do so can receive a contract by post or email and, in
the latter case, DECIDE TO SIGN IT ELECTRONICALLY. We shall
take this initiative further at the end of 2013 with a system of
SCREEN SHARING that will enable account managers to help
customers complete a contract subscription form during a
telephone interview.
AN E-BRANCH
GAINING IN POPULARITY
…for a close relationship, over the long term
Interactive banking…
Aware of our customers’ wish for personalised advice, the
Bank has adapted its organisation so that customers DEAL
FOR LONGER WITH THE SAME ACCOUNT MANAGER, who
can offer appropriate solutions for their projects and who
can call on an expert to advise them when necessary, by
videoconference if they wish.
The BRED ESPACE e-branch and its dedicated account
managers, who can be contacted directly by telephone, fax or
videoconference, is attracting customers at an annual rate of
500 new online accounts a year.
…and its specific derivatives
Students and, more generally, geographically mobile people
are among the most fervent adepts of remote services.
GRAND’ZÉ, the BRED branch dedicated to students of the
major engineering and business schools, has launched a
dedicated online banking service based on the BRED Espace
e-branch model. Moreover, the RÉSOPLUS banking service,
created to ensure continuity of banking services between
the French overseas territories and France, will soon launch a
specific website.
Key figure
2.5
million
per month
DIALOGUE
VIA FACEBOOK
Number
of connections
to our website
BRED’s page on the Facebook social network
now counts close to 50,000 FANS. They thus learn about the
bank’s projects, sponsorships, special offers and initiatives.
The Grand’Zé Facebook page, launched at the
beginning of 2012, is coordinated in collaboration with the
walls of PARTNER STUDENT ASSOCIATIONS which offer
their fans advantageous terms and conditions for opening an
account with BRED.
BRED - 2013 PROFILE
8
DIGITAL BANKING
MADE EASIER
“
Customers deal
directly with their
personal account
manager, within the
branch, by telephone
or email
”
Our remote banking offer is evolving
The bred.fr website recorded over 2.5 million connections
each month in 2012. It continues to evolve steadily to meet
the needs of its 385,000 users, with in particular the addition
of a SECUREMAILBOX in 2012. ONLINE SUBSCRIPTION has
been extended to regulated home savings plans (PEL) and
customers can also now make additional payments into life
insurance savings schemes and arrange periodic payments.
In mid-2013, the Bank launched a new remote banking offer,
BREDConnect, which offers all the functions of bred.fr together
with ADDITIONAL SECURITY FUNCTIONS FREE OF CHARGE
(electronic signature and authentication) and optional
services.
The BRED Smartphone application has been
upgraded to CONVERGE WITH THE FUNCTIONS AVAILABLE
ON BRED’S WEBSITE. Customers can now consult their secure
mailbox, foreign exchange rates and currency orders or the
progress of transfers made via the application or via the website.
They can also request a chequebook. THE BRED APPLICATION
CAN BE DOWNLOADED UNDER WINDOWS 8. This was the case
right from the moment the new operating system was launched
on 26 October 2012. Already present on Android and iPhone,
BRED thus shows it can meet its customers’ needs, no matter
what equipment they have.
Fund transfers via mobile phone
With the IPAB mobile 'My fund transfers' function, customers
can transfer AN AMOUNT OF UP TO €150 FROM THEIR BRED
ACCOUNT to any private beneficiary they choose.
A FOCUS ON QUALITY
Nine customers out of ten would recommend
BRED. To continue to satisfy its customers, the
bank’s actions are focused on professionalism
and service quality.
80% of staff received professional training
in 2012, with the support of 300 experienced staff
members. Each year the Bank dedicates more than
three times the minimum legal requirement to
training. In 2012, training represented 5.70% of
payroll expense.
A staff turnover rate of less than 2% – one of the
lowest in the banking industry – ensures stable
teams.
50,000 customers are
asked to give their views on the bank’s services:
Each year more than
reception, commercial offering, advisory services
and user-friendliness of the bank’s website.
9
2013 PROFILE - BRED
RETAIL CUSTOMERS
A single contact
for all your projects
We anticipate our customers’ needs and help them carry
out their plans
ADVICE
THE CORNERSTONE OF THE
BANKING RELATIONSHIP
In all our branches, a personal account
manager is there to propose APPROPRIATE SOLUTIONS
for customers’ personal projects. In addition, 102 private
in-branch advisers, 10 wealth management centres in
operation in each BRED region and a premier private banking
circle available to advise customers on LEGAL TAX AND
FINANCIAL MATTERS to help them carry out their long-term
projects.
A constantly expanding offer, in cooperation in
particular with our asset management and life insurance
subsidiaries. Two new flexible funds of funds were created
in response to market volatility: PROMEPAR PROACTIF
DYNAMIQUE and PROMEPAR PROACTIF PATRIMOINE.
In addition, VIVIFIO, a new generation life insurance policy,
gives customers access to a selection of securities of Europe’s
largest capitalisations.
Key figure
More than
50%
growth in subscription to
the Bank’s motor and home
insurance policies in 2012
BRED - 2013 PROFILE
10
AN INNOVATIVE
OFFER
Transparent and flexible banking
agreements
The MULTIPASS ACCOUNT AGREEMENT has been lauded by
the press for its core offer, limited to a bank card and Internet
access, and for its scaled pricing schedule. The agreement
evolves according to the customer’s age and needs. THE
DÉDIÉ JEUNES 12/17 AND 18/27 BANKING PACKAGES for young
customers are very accessibly priced. The bank also supports
young customers during their studies and along the path to
independence: loans with no parental guarantee through a
partnership with LMDE, competitively priced student loans,
interest-free advance on first wages, etc.
A different vision of bank cards
The BRED&MOI card can be customised with a choice of
visuals from among more than 300 images, limited series
and personal photos taken using a Smartphone thanks to the
Bred&moi mobile phone application.
From its launch at the end of April 2010 to the end of February
2013, Bred&moi attracted more than 95,300 customers. The
Gold version launched in June 2011 offers an exclusive picture
library and the Gold MasterCard package of insurance and
assistance services.
BRED was also among the first banks to offer MASTERCARD
WORLD ELITE, which replaces the MasterCard Platinum
prestige card and gives access to the VIP offers of the new
MasterCard Priceless Paris programme as well as high
payment and withdrawal ceiling, top-level insurance and
assistance services, and a round-the-clock concierge service.
INSURANCE
SERVICES
“
Insuring property and people is also one
of the bank’s businesses.
The Bank has an offer adapted to each situation: motor and
home insurance, conventional or top of the range, life accident
multi-risk, long-term care insurance, etc.
These very competitively priced offers have been popular with
our customers. Subscriptions to motor and home insurance
increased by more than 50% in 2012.
The Bank recently launched EFFICIENCE SANTE,
a supplementary health insurance package, created jointly
with MGEN Filia, a mutual insurance company belonging to the
MGEN group.
SOCIAL RESPONSIBILITY
Aware of its social responsibility, the Bank acts
in keeping with its values.
Through the Oriel branch, a dedicated team
assists customers adversely affected by unforeseen life
events.
Some services are linked to solidarity gestures.
The bank’s sponsoring system provides for a donation
of €5 to Médecins sans Frontières, JPA (Jeunesse au
Plein Air) or IFRAD (research into Alzheimer’s disease)
for each account opened by a person sponsored by a
customer.
We help young people
achieve their independence
Special
Skills
The complementary nature of its overseas and French
networks has enabled BRED to develop an original and
innovative service for its customers. RÉSOPLUS assists
people from French overseas territories and departments
when they travel by providing banking facilities in the centre
of Paris and appropriate services. In particular, RÉSOPLUS
JEUNES enables overseas students to apply for advances on
scholarships and loans and rental guarantees.
Through RÉSOPLUS, BRED also assists overseas residents
living in France with their PROPERTY PROJECTS, whether in
France or overseas territories, regardless of the type of project
(purchase, building, renovation, etc.).
The Grand’Zé branch for students of major
engineering and business schools offers them advantageous
solutions for financing their studies.
BRED has a strong banking relationship
with civil servants through partnerships with CASDEN
(bank for education, research and culture) and ACEF (civil
servants’ credit and savings association). In partnership with
MasterCard, the bank has created two international payment
cards for Casden members who are also BRED customers:
BRED CRISTAL for overseas customers and BRED CASDEN in
France.
A guardianship offer meets the needs of the families
concerned by long-term care issues. In particular, it provides
them with an ACCOUNTING SOFTWARE APPLICATION that
enables them to automatically prepare and print the annual
guardianship report required by the Court of Protection.
11
2013 PROFILE - BRED
”
PROFESSIONAL CUSTOMERS AND ASSOCIATIONS
Regional roots
BRED is a partner for local economic agents:
professionals, associations and microcredit organisations
HISTORICAL PARTNER
FOR TRADE AND COMMERCE
The Bank works closely with French
Chambers of Trade and Crafts (Chambres de
métiers et de l’artisanat) and Chambers of
Commerce and Industry to facilitate the creation and
transfer/takeover of small business, to promote e-commerce and
encourage training and apprenticeship. BRED recently signed
two agreements, respectively with the Chambers of Trade
and Crafts of the Paris and Seine-et-Marne regions. It recently
renewed existing agreements with the Chambers of Trade and
Crafts of Val-de-Marne and Hauts-de-Seine.
As a partner of the various businesses,
the bank is familiar with their specific needs,
and adapts its services accordingly.
The MULTIPRO AGREEMENT can therefore be tailored to the
customer whether sole trader, small business, self-employed
professional or farmer.
ATTENTIVE
TO CUSTOMERS’
PERSONAL PLANS
Three professional customers out of four are
also private customers. At the branch they can meet
specialised advisers with whom they can discuss, with total
confidentiality, the value of their estate or the transfer of their
business and the financial and tax implications.
The Bank also helps its customers prepare for their
retirement. The OPTIM’ EPARGNE & RETRAITE PRO
diagnosis enables customers to visualise various personalised
and quantified solutions, including the employee savings
product range and the range of tax-advantaged retirement
products under the Madelin law.
COMMITTED TO WORKING
ALONGSIDE BUSINESSES
ACTIVE SUPPORT
FOR SELF-EMPLOYED
PROFESSIONALS
BRED helps its customers develop their
business activities.
Catering for self-employed professionals with
a specifically suited offer of banking services, the Bank has
recently opened a BRED PREMIER branch in the heart of Paris’s
Opéra district dedicated solely to this segment. A personal
adviser with a global approach to the customer’s professional
and personal needs is available to them at the branch, through
remote channels or by appointment at the customer’s home
or office. This concept has already proved very popular in the
French overseas departments and territories.
The bank’s mutual guarantee funds for sole traders, SOCAMA
BRED and SOCAMA NORMANDIE, reduce the need to draw on
personal guarantees. In 2012, they guaranteed one of every
two equipment loans.
Our farming department and its experts in Normandy, the
Seine-et-Marne region and in La Reunion offer a range of
specific loans, in particular AGRILIS MAT for purchasing
farming equipment.
3
Key figure
professional customers out of
are also private customers
sont également clients
à titre privé
BRED - 2013 PROFILE
12
4
“
The BRED Premier
branches are dedicated
exclusively to selfemployed professional
customers
”
INSURANCE
EXPERTS
The bank insures its customers at both
personal and professional level.
In each regional department, an INSURANCE EXPERT is
available to advise customers on property and casualty
and personal insurance issues, directly or as support to the
branches. An INSURANCE HELP-LINE is also available to
advisers and their customers.
A DYNAMIC APPROACH
TO ASSOCIATIONS
26,000 associations and other not-for-profit
organisations have placed their trust in BRED,
ranging from small local associations and SME 'employer'
associations to the largest bodies in the market.
At BRED branches, one out of two associations has
chosen the START ASSOCIATION AGREEMENT. The offer
includes appropriate cash investment solutions. The IPAB
ASSOCIATION offer, launched in 2012, provides solutions for
communicating more easily with members via an Internet site
and for simplifying their receipts.
The central business branch for the local
economy handles the large not-for-profit bodies
(associations, public and public/private bodies) in the Paris
region.
Commitment to solidarity
OPEN
TO NEW TECHNOLOGY
The Bank’s range includes the latest
technological developments. In 2012, CONTACTLESS PAYMENT
TERMINALS were added to its range of electronic payment
solutions. The bank offers a very comprehensive range of
payment solutions adapted to each activity. A diagnosis
enables the adviser, together with the customer, to define the
best payment solution.
In the area of e-commerce, the Bank’s turnkey
solution DIRECT ET PROCHE enables customers to create their
own online showcase or merchant site.
BRED is actively involved in microcredit and
job integration for young people.
The Bank continued its activity in support of the
development agency ADIE (Association pour le droit à
l’initiative économique) by participating in the collateralfree loan fund (fonds de Prêts d’Honneur) for young
business creators.
BRED also signed two agreements of financial support
for local ADIE offices in Cayenne and Mayotte.
The Bank is actively involved with the second-chance
organisations FONDATION DE LA 2 e CHANCE and
ECOLES DE LA 2 e CHANCE .
BRED is one of the sponsors of BABYLOAN, France’s
first online microcredit initiative.
13
2013 PROFILE - BRED
CORPORATE AND INSTITUTIONAL
Banker to businesses
and their leaders
The bank’s business organisation favours a close and
responsive relationship
A CLOSE
RELATIONSHIP
Acknowledged
EXPERTISE
The Corporate and Institutional Department
The Trading desk provides SMEs and large corporates
serves both as a banker to major groups (700 banking
relationships) and a centre of expertise that designs high
value-added products and tailored solutions.
Its THREE OPERATIONAL DEPARTMENTS – institutional, large
flows (B to C) and major business to business flows (B to B) –
are organised by business sector. Each customer is handled
by a specialist in its business sector, who is the lynchpin of the
banking relationship. Its CROSS-GROUP DEPARTMENTS (real
estate, international, flow management, structured financing,
business development), two departments specialised in
regulated professions (legal and real estate) and BRED’s
WEALTH MANAGEMENT EXPERTS are at the service of all of
BRED’s corporate customers.
with expertise in the area of FOREIGN EXCHANGE, INTEREST
RATE MANAGEMENT and GUARANTEED-CAPITAL INVESTMENTS.
A major counterparty for French and European money
market operators, it is one of the largest placing agents for
COMMERCIAL PAPER and in 2012 started an activity as BOND
BROKER for institutional clients.
The 16 dedicated SME business centres provide
long-term support to close to 8,000 businesses.
To ensure closer geographical proximity to customers, they
are integrated into the regional departments and granted
SIGNIFICANT DECISION-MAKING POWERS. They are generally
located on the same site as the wealth management activities.
Business managers can therefore examine how to ENHANCE
THEIR WEALTH OR TRANSMIT OR SELL THEIR BUSINESS in
complete confidentiality.
10
BRED
%
processes
of French banking flows
BRED - 2013 PROFILE
up to handle pension payments in MORE THAN 150 COUNTRIES
and by drawing on its physical presence abroad. In particular,
the Bank has arranged credit lines in numerous countries to
facilitate the activities of its exporting customers.
BRED processes 8% to 10% of all banking flows
in France, both conventional and electronic.
It is capable of handling the entire flow chain between
customers and their suppliers. ADDITIONAL SERVICES in
the area of reports have recently been added to the Bank’s
national SECURE COLLECTIONS SOLUTIONS FOR CHEQUES
AND CASH, designed to accelerate collection and facilitate
accounting reconciliation.
BRED has been processing SWIFTNet flows since 2002.
Since 2008, it has been offering SWIFT access via a PLANET
LINK OFFICE SERVICE to large and medium-sized businesses,
enabling the exchange of financial data (instructions and
statements) with all banks worldwide. In just four years,
Planet Link has become the leading SWIFT access office for
companies connected to SWIFTNet.
Key figure
sont également clients
à titre privé
BRED supports its customers’ international
development through a network of correspondents set
14
“
Customers highlight the relationship
of trust they maintain with BRED
”
CONFIRMED
SERVICE QUALITY
A culture of research
and development
The Bank’s corporate customers are
satisfied with the services provided, with
BRED constantly seeks innovative solutions
98% of those surveyed highlighting THE QUALITY OF THE
INFORMATION AND ADVICE provided and the close fit
between the commercial offers and their needs. They were
unanimous in stressing the relationship of trust with BRED
(December 2012 quality survey).
For the eleventh consecutive year, BRED
came first in the general ranking of EDF’s
banking services suppliers for the quality of its
cash management services. Distinguished from its rivals
by the French energy major for its efficiency and capacity
to innovate, BRED also came FIRST IN EDF’S QUALITATIVE
RANKING for its responsiveness, availability and the
attentiveness of its sales teams.
View our offer in your
A pioneer in the implementation
ENTERPRISE SPACE
of the new European payment
on bred.fr
methods, the bank processes
13 million SEPA EUROTRANSFERS and 8 million SEPA EURODEBITS each month. The bank
offers its customers solutions for
simplifying the administrative
constraints linked to this migration. In a single day, the bank
converted more than 20 million bank account identification slips for one of its major customers. It also
converted 20 million domiciliation slips in just three
hours with a 99.44% success rate.
The bank is now putting the expertise acquired
with major groups at the service of a majority of
companies.
In a totally different area, BRED is a committed partner
in the MYBANK project organised by some 50 major
European banks. The goal is to enable businesses to
exchange secure payment orders and direct debit
instructions with their clients via their home banking
facilities.
15
2013 PROFILE - BRED
Products and services
IN SYNERGY WITH THE SUBSIDIARIES
100%
Life insurance 0U
PREPAR IARD 100%
Non-life insurance
0U 4
PREPAR COURTAGE 100%
Insurance brokerage
0U 4
4
PRAMEX INTERNATIONAL
International development
consulting
2
4
Bank
4
Bank
NATIXIS INTERÉPARGNE
NATIXIS GLOBAL ASSET
MANAGEMENT
2
2
BCI MER ROUGE Bank
Electronic commerce
Bank
NATIXIS PRIVATE BANKING
(CAISSE RÉGIONALE DE CRÉDIT
MARITIME MUTUEL D’OUTRE-MER) 24.38%
Banque privée 1818
Private banking
4
CLICK & TRUST 66%
E-commerce
Bank
0U
24.47%
Microcredit
U
HUBWOO 13.25%
E-commerce
4
Asset management,
financial engineering
and services
BANQUE SOCREDO Banking, specialised
financial services
ACLEDA Bank
BCEL SCM
0U 4
BIC BRED
100%
Financial Services
BRED Bank Fiji 100%
Bank
0U 4
BRED COFILEASE 100%
Bank
0U 4
0U 4
KyRIBA
37.37%
Cash management solutions
4
BRED GESTION Bank
2
4
NATIXIS
4
NATIXIS LEASE
Finance leasing
04
CRÉDIT FONCIER
DE FRANCE
2
U 4
100%
100%
Bank
100%
0U 4
Overseas investment
2
4
PROMEPAR GESTION 0U
Private equity
10%
0U 4
BRD China Perspectives et
participations
12.25%
Bank
Bank
15%
0U 4
Mutual Guarantee Fund
Portfolio management
FIPROMER /I2F NC / I2F PF
100 % / 34 % / 18.5%
0U 4
Bank
4
ABC MICROFINANCE 0U 4
CRCMMOM
0U
100%
Electronic commerce
50%
0U 4
BANQUE CALÉDONIENNE
D’INVESTISSEMENT 49.9%
NATIXIS Paiements
Private banking
2
51%
0U4
Payment systems management U
4
4
54%
0U 4
SOCIÉTÉ DE BANQUE
ET D’EXPANSION NATIXIS ASSURANCES
85%
0U 4
Bank
0U 4
0U 4
0U 4
BANQUE FRANCO-LAO Employee savings schemes
2
VIALINK
BRED VANUATU NATIXIS INTERTITRES Life insurance and general
insurance
COFACE
04
Special payment vouchers
2
Credit insurance
2
2
Asset management International
assistance
2
Electronic payments
Consumer credit company
Property loans
2
NATIXIS FACTOR
Factoring
2
100%
0U 4
04
NATIXIS FINANCEment
Consumer credit
4
4
NATIXIS PRIVATE EQUITy
SOFIAG
100%
2
Consumer credit company
0U 4
Private equity 4
Legend
U
Retail
0
Professional
4
Corporate, institutional and associations
2
Groupe BPCE
* Percentage held
BRED Banque Populaire is a co-operative bank, governed by Articles L.512-2 et seq. of the French monetary and financial code and all the regulations
relating to popular banks (banques populaires) and credit institutions, with capital of €520,285,720 – Paris Companies and Trade Register no.
552091795 – Registered office: 18, quai de la Rapée – 75604 Paris Cedex 12. Tel: +33 (0)1 48 98 60 00
Registered with ORIAS as an insurance intermediary under no. 07 003 608
Creation/design
PREPAR-VIE
SOFIDER 100%
36% */ 20%
Photos : RedDax Luma, Kzenon, Michael Jung, Goodluz, Iceteastock, Iceteaimages.
MAGELLAN/GALILEO
Insurance