Contents 1 PRESENTATION OF GROUPE BPCE 1.1 Presentation of Groupe BPCE 3 4 1.2 History of the Group 5 1.3 Organization of Groupe BPCE 6 1.4 Key figures 2016 9 1.5 Contacts 11 1.6 Calendar 11 1.7 2014-2017 strategic plan: “Another way to grow” 12 1.8 Groupe BPCE’s business lines 15 5 FINANCIAL REPORT 223 5.1 IFRS Consolidated Financial Statements of Groupe BPCE at December 31, 2016 224 5.2 Statutory Auditors’ report on the consolidated financial statements 328 5.3 IFRS Consolidated Financial Statements of BPCE SA group at December 31, 2016 330 5.4 Statutory Auditors’ report on the consolidated financial statements 414 5.5 BPCE management report 416 5.6 BPCE parent company financial statements 422 5.7 Rapport des commissaires aux comptes sur les comptes annuels 459 2 CORPORATE GOVERNANCE 2.1 Introduction 29 30 2.2 Management and Supervisory Bodies 32 2.3 Role and operating rules of governing bodies 71 2.4 Rules and principles governing the determination of pay and benefits 81 2.5 Potential conflicts of interest 95 2.6 Chairman’s report on internal control and risk management procedures for the year ended December 31, 2016 97 2.7 Statutory Auditors’ report on the report of the Chairman of the Supervisory Board 120 2.8 Preventive Recovery Plan 121 2.9 Persons responsible for auditing the financial statements 122 3 RISK REPORT 3.1 Summary of risks 3.2 Capital management and capital adequacy 3.3 Governance and risk management system 3.4 Credit risk 3.5 Counterparty risk 3.6 Securitization transactions 3.7 Market risks 3.8 Operational risk 3.9 Liquidity, interest rate and foreign exchange risks 3.10 Legal risks 3.11 Other risks 125 127 138 149 154 169 172 177 182 185 192 196 4 2016 ACTIVITIES AND FINANCIAL INFORMATION 4.1 Foreword 4.2 Significant events of 2016 4.3 Groupe BPCE financial data 4.4 BPCE SA group financial data 4.5 Investments 4.6 Post-balance sheet events 4.7 Outlook for Groupe BPCE 201 202 203 206 218 220 220 221 6 SOCIAL, ENVIRONMENTAL AND SOCIETAL INFORMATION 461 6.1 Sustainable development built on our cooperative identity 462 6.2 A range of services to meet the challenges facing our customers 472 6.3 Responsible internal practices 482 6.4 Sustainable and responsible value creation 499 6.5 CSR reporting methodology 510 6.6 Report by one of the Statutory Auditors, appointed as independent third party, on the consolidated human resources, environmental and social information included in the management report 513 7 LEGAL INFORMATION 7.1 Memorandum and articles of association 515 516 7.2 Share capital 518 7.3 Ownership structure and distribution of voting rights 521 7.4 Material contracts 522 7.5 Material changes 522 7.6 Statutory Auditors’ special report on related-party agreements and commitments 523 8 STATEMENT BY THE PERSON RESPONSIBLE 535 8.1 Statement by the person responsible for the registration document and for the annual financial report 536 9 ADDITIONAL INFORMATION 9.1 Documents on display 537 538 9.2 Cross-reference table for the registration document 539 9.3 Cross-reference table for the annual financial report and the management report 541 9.4 Cross-reference table of the main social, environmental and societal information 542 9.5 Glossary 543 This label recognizes the most transparent Registration Documents according to the criteria of the Annual Transparency Ranking.
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