[PDF] Universal Registration Documentand Annual Financial Report 2019

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Universal Registration Document

TRANCHE À PRÉVOIR

SummaryAnnual Financial report items are clearly identied in the contents by the pictogram 1 2

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La Banque Postale

Universal registration document

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FRENCH STATE

LA BANQUE

POSTALE

CAISSE DES DÉPÔTSLE GROUPELA POSTEрѵрѵс

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19 December2019

22 July2019

4 June2019

1 March2019

2019

30 August2018

2018
2017
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
acquisitionPartnerships with and

Acquisition of

, an online brokerage platform acquisition acquisition Buyout of Société Générale's 35% holding in Announcement of the merge project between the euro xed-income management activities of and Announcement of the buyout of Groupama's35% holding in

Launch of

to the publicBanking License for acquisition start-up

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LBPHOME LOAN SFH

LBP COLLE

CTIVITÉS LOCALES

SUFFREN RÉ

SOPASSURE

LBPASSURANCE SANTÉ

LBP

ASSURANCES IARD

LBP CONSEIL

EN ASSURANCES

LBP PRÉVOYANCE

TOCQUEVILLEFINANCE HOLDING

CNP ASSURANCES

TOCQUEVILLEFINANCE SA

MANDARINE GESTION

IZNES

LBP AM PRIVATEDEPT GP LUX

AEW EUROPE

LBP ASSET

MANAGEMENT

LBP DUTCH MORTGAGEPORTFOLIO 1 B.V

LBP DUTCH MORTGAGEPORTFOLIO 2 B.V

SF2

MA FRENCH BANK

AVEM HOLDING

VIGEO STET

WISEPROFITS

EZYNESS

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GROUPEMENTDES CARTES BANCAIRES*

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MANAGEMENT

LBPFINANCEMENT

EASY BOURSE

LBPPROTECTION

CRÉDIT LOGEMENT

LBPINTERNATIONAL

LBP IC

ATI

SÈVRES LBP 1

SÈVRES LBP 2

ORGANISATIONAL CHART AS AT 31 DEC. 2019Ҋрڿ

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10. 5

354,000

17,100

93%4%

3%NBI BY BUSINESS LINE

49%
46%5%

NET INCOME, GROUP SHARE BY BUSINESS LINE

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2016 2017 20182015

Customer Deposits (€bn)

Customer Loans (€bn)

Loan-to-Deposit ratio

Consumer Loans

Personal LoansHome Loans

Loans to the local public sectorBusiness Loans 201969.2

75.885.092.5

4.5 5.3 4.5

54.17.1

7.8 4.7

55.88.1

13.2 4.8

58.48.7

18.5 4.9

60.4102.4

10.2 23.2
5.2

63.8рѵсѵу

20182017

Total Capital Ratio

Tier 1 Ratio (T1)

Common Equity Tier 1 Ratio (CET1)

SREP requirements12.75% Total Capital

Ratio requirement

9.25% CET1 Ratio

requirement

18.0%16.2%

14.6% 13.2% 12.2%

13.4%16.2%

12.8%

11.7%пѵсфڿ

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THIRD

LINE OF DEFENCE

INTERNAL

CONTROL

SECOND

LINE OF DEFENCE

FIRST

LINE OF DEFENCE

INTERNAL AUDIT

DEPARTMENT

DEPARTMENT

DEDICATED

TO THE BANK'S

PERIODIC CONTROL

GROUP RISKDEPARTMENT

COMPLIANCE

DEPARTMENT

DEPARTMENTS

DEDICATED TO

THE BANK'S

PERMANENT CONTROL

INSPECTION

GÉNÉRALE

OPERATIONAL DEPARTMENTS

PERMANENT CONTROL CORRESPONDENTS

WITHIN THE OPERATIONAL DEPARTMENTS

PERIODIC

CONTROL

PERMANENT

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0246810121416

Rate sensitivity

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Lower limit

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Rate sensitivity

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Lower limitѵ

SP500MSCI Emerging

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57%2%
3% 7%2% 2%26%

INCIDENTS ASSOCIATED WITH OPERATIONAL RISK,

BY VALUE (AVERAGE FROM 2015 TO 2019, %)҂҃ҁѵ 93%2%
0%3% 0% 0%1%

INCIDENTS ASSOCIATED WITH OPERATIONAL RISK,

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