BPCE International et Outre-mer
Key figures
At December 31, 2011
Net banking income: 455 million euros
Cost/income ratio: 65.6%
Total loans outstanding: 9.3 billion euros
Total customer deposits: 6.5 billion euros
Capital: 1.4 billion euros
14 banks
179 branches
3,400 employees
BPCE International et Outre-mer is the holding company responsible for supervising Groupe BPCE’s investments in the international market and French overseas territories.
At the present time, this wholly-owned subsidiary of BPCE is comprised of 14 banks of which 10 are majority owned.
Other group entities (BRED Banque Populaire, Caisse d’Epargne Provence Alpes Côte d’Azur) also boast an historical presence in the international market and French overseas territories.
Presentation
Commercial banking overseas : the origins of the Group's development
The BPCE International et Outre-mer network
Banks in French overseas territories
- Banque de la Réunion (88.9%*)
- Banque de Saint-Pierre et Miquelon (79.6%*)
- Banque des Antilles Francaises (99.7%*)
- Banque de Tahiti (96.1%*)
- Banque de Nouvelle Calédonie (96.7%*)
Banks in the international market
- Banque Tuniso-Koweïtienne (60%*) (social)
- Banque des Mascareignes (Mauritius) (100%*)
- Banque BCP (Luxembourg) (80.1%*)
- Fransabank SA (40%*)
- BCI (Congo) (99.9%*)
- BICEC (Cameroon) (64.8%*)
- Banque VBRO (Romania) (24.5%)
- Banca Carige (Italy) (9,97%)
- BNDA (9.7%)
- BMOI (75%)
*% equity interest
Strategy
The role of BPCE International et Outre-mer is to manage the equity interests of Groupe BPCE and supervise the development of its commercial banking activities in the international market and French overseas territories.
Three main responsibilities
- Supervise commercial banking activities pursued in the international market and French overseas territories on behalf of the group,
- Support the banks as they develop their various activities,
- Implement the group’s acquisitions-driven growth strategy with a view to expanding its commercial banking activities in the international market.
Clearly defined targets
- Provide Groupe BPCE with new sources of future growth,
- Contribute to the diversification of the group’s markets,
- Acquire majority shareholdings in small to medium-sized banks (equity interests of less than €500m),
- Target priority investment zones (Mediterranean basin, Central and Eastern Europe, sub-Saharan Africa and South-East Asia),
- Gradually develop the international know-how and culture of Groupe BPCE,
- Export the group’s expertise in savings deposits (Caisses d’Epargne) and private sector corporate finance (Banque Populaire banks).
Core Business Lines
As local institutions deeply rooted in their communities, the banks belonging to the BPCE International & Outre-mer network play an active role in the economic development of their different regions. They all command positions as dynamic banking partners, present in all types of market (individual and corporate customers, local authorities) pursuing a full range of banking activities in close relationship with their customers.
Commercial banking at the heart of its activities
Thanks to the combination of the know-how developed by its commercial banking institutions and the high caliber professional expertise of its specialized subsidiaries, BPCE International & Outre-mer can offer all customer categories a wide range of products and services, financing solutions and advice: investments, loans, payment methods, life and general insurance products, provident insurance, asset management services.
Commercial banking in the international market
- Local banking activities chiefly pursued in Africa (Maghreb and sub-Saharan Africa),
- Detailed knowledge of self-employed professionals and small- to medium-sized enterprises,
- Ability to support medium-sized banks in emerging economies thanks to the corporate culture and decentralized structure of Groupe BPCE.
Commercial banking in French overseas territories
- Present in all French overseas territories working through three entities: BPCE International et Outre-mer, BRED Banque Populaire and Caisse d’Epargne Provence Alpes Côte d’Azur,
- Joint establishments in the principal territories provide the group with strong positions while respecting the history and identity of each entity at a local level.
Specialized subsidiaries
BPCE International & Outre-mer draws on the expertise of several specialized subsidiaries such as Pramex International (advisory services in international development) and Ingépar (financial engineering), enabling it to pursue activities in areas other than commercial banking.
Ingépar is a company specializing in the design and implementation of complex asset financing arrangements based, in particular, on tax-efficient solutions in overseas French départements, local authorities and countries. In the space of a few years, it has become a benchmark player in the area of transport financing, rental property, hotel and industrial real estate development projects (including the energy sector) or operations carried out in partnership with local public-service concessions.
Pramex International is a consultancy that advises companies on their international expansion. This wholly-owned Groupe BPCE was created in 1975 and bases its unique market position on two major advantages:
- An integrated worldwide operating network, with consultants specializing in the different areas of business development,
- A first-rate relationship with the banking and financial services industry, enabling it to enjoy access to the principal financial institutions around the world.
Pramex International: key figures
- 18 international locations in 15 different countries
- 90 specialized consultants
- More than 1 000 companies offered advisory services every year