2020 ANNUAL RESULTS 2030 STRATEGIC PLAN
Ma French Bank, La anque Postale’s ߹ully-mobile bank launched in late July 2019, confirmed its success with 280,000 customers signed up by the end of 2020 Of these, 64 were signed up by the La Poste distribution network, which has been extended since 30 June to include
Le Groupe La Poste in figures
The La Poste Network Business Unit combines retail sales and distribution of Le Groupe La Poste’s products and services, and its range of telephone services under the La Poste Mobile brand Its revenue represents internal billing of the services performed by La Poste Network on behalf of the other Business Units Operating performance by
Postal services in the EU
Figure 1: The size of the letter post and parcel sectors by country, 2017 14 Figure 2: Postal services classification 16 Figure 3: Electronic communication with public institutions, 2018 19
Postal Services Innovation Management in the Postal Industry
De Post - La Poste (Belgium), Poczta Polska (Poland) Nearly all key postal operators have been diversifying their businesses for years, especially into the logistics and financial services areas Outside of Europe, diversification strategies for postal operators are a little less distinctive The industry is dominated by three groups:
Report Number RISC-WP-20-003 March 25, 2020
countries except the United States La Poste in France shares rural post office space with government agencies and outsources some postal operations to local government employees Other posts have tried smaller programs, like operating mobile post office vans, or utilizing a hybrid carrier-clerk model where employees
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THE UNCTAD B2C E-COMMERCE INDEX 2020, Spotlight on Latin
Spotlight on Latin America and the Caribbean Executive summary In the 2020 edition of the UNCTAD Business-to-Consumer (B2C) Ecommerce Index- , Switzerland replaced the Netherlands as the country withthe highest readiness to engage in and benefit from e-commerce European economies dominate the top 10 list, which also
Conditions générales
La présente police d’assurance est conclue pour des périodes successives d’un an avec un maximum de 5 ans sauf si l’une des parties résilie le contrat par lettre recommandée à la poste, par exploit d’huissier ou par remise de la lettre de résiliation contre récépissé adressé au service clients d’Orange Belgium
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Western Europe Asia Pacific Global B2B (2013-2020 CAGR) 13-) B2B vs B2C growth1 Challenges: Drivers of growth Volatility Last mile Yields Returns 46 49 Smartphone penetration in mobile phones by 20174 Internet penetration in population by 20175 55 Urban population out of total by 20173 12 Middle class growth rate in APAC 2009-20207
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C1 - Interne
2020: in a difficult environment, the expanded group delivered resilient results and
A WATERSHED YEAR SHAPED BY NON-RECURRING TRANSACTIONS related to the first-time consolidation of CNP Assurances - Restated for the above items, attributable net profit came to זבוڡȅً in consolidation scope resulting from the full consolidation of CNP Assurances (positiveCREATION OF A LEADING BANCASSURER
- A diversified mix of businesses: 64.5% Banking services and 33.4% Insurance services - 11th largest bank in the euro zone, with: - Total assets: ובוڡ - Net banking income of וِוڡ - One of the strongest balance sheets in the sector: - CET1 ratio: 20.4% - A Solvency II ratio of 208% for CNP Assurances robustness of the loan book: non-performing loans (NPL) 0.7%HELPING TO STEER A JUST TRANSITION
- Recognised leadership in ESG performance: Rated Global No.1 by Vigeo and Global No.3 bySustainalytics
- SRI label awarded to 100% of eligible LBP AM funds and 95% of under-mandate assets managed by BPE - Gender pay ratio of 97:100 based on the Pacte Law definition - Access to banking services given to 1.5 million people who would otherwise have been excluded Philippe Heim, Chairman of La Banque Postale's Executive Board, said: ڔ2020 was a unique year, shaped by the completion of major strategic transactions, not least of which
bancassurers. La Banque Postale delivered resilient results in a difficult economic and public health
environment which held back revenue growth and led to the application of conservativeand particularly robust financial structure, the Group is poised to step up the pace of transformation
and development, guided by an overriding commitment to customer satisfaction and its community2020 ANNUAL RESULTS
2030 STRATEGIC PLAN
PRESS RELEASE
Paris, 2 March 2021
2C1 - Interne
2020 HIGHLIGHTS
DEPLOYMENT OF AN INTEGRATED BANCASSURANCE MODEL
2020 was a unique year for La Banque Postale, shaped by the integration of CNP Assurances
and other transactions that redefined its structure, and also by the Covid-19 health and
economic crisis. In a challenging environment, the Group leveraged its more diversified and balanced business Insurance business contributed 33.4% in 2020. Restated to exclude first-time consolidation entries and the contribution of CNP Assurances, net banking income amounted toCovid-19 impact.
and the prospective approach to credit losses imposed by the new accounting standards. structure, with a CET1 ratio of 20.4% and a total capital ratio of 24.5%.TRANSACTIONS THAT REDEFINED THE J"...Ȩټ
CREATING A NEW CONFIGURATION
The integration of CNP Assurances effective 4 March 2020 was accompanied by significant improvements in governance to reflect the new integrated bancassurer business model. and its corporate functions (finance, risk management, audit, legal affairs and compliance) and Internal Audit directors now reporting on a dotted-line basis to their counterparts at LaBanque Postale.
Postale Assurances IARD, while at the same time extending cooperation in the legal protection and assistance market with Groupama, which remains a long-term partner. In asset management, La Banque Postale opened a new chapter in the history of its subsidiary La Banque Postale Asset Management (LBP AM). Building on its pioneering role in promoting socially-responsible investing, LBP AM has become a multi-specialist conviction management firm focused exclusively on sustainable finance. The fixed-income and insurance-related asset management businesses of La Banque Postale and Natixis were combined on 31 October 2020 in a joint venture named Ostrum AM, 3C1 - Interne
institutional clients. Ostrum AM is 45%-owned by LBP AM and 55%-owned by Natixis IM. At the end of 2020, La Banque Postale completed the sale of its 5% interest in the capital of SFIL renewed in advance its partnership with SFIL through to the end of 2026, for the distribution of medium- and long-term loans to local public agencies and public hospitals. Lastly, CNP Assurances consolidated its multi-partner model in Brazil and other international markets. A new 25-year exclusive distribution agreement was signed on 30 banks in Latin America), covering the distribution of death & disability insurance, consumer finance term creditor insurance and retirement products (vida, prestamista, previdência) through the CEF network. A memorandum of understanding has been signed enabling a 20- year exclusive distribution agreement covering consórcio products distributed by the CEF network, mainly for home and car purchases. A DYNAMIC SALES PERFORMANCE DESPITE THE UNFAVOURABLEENVIRONMENT
In an environment shaped by the Covid-19 health and economic crisis leading to two periods of lockdown, the Retail Banking business reported outstanding loans up 1.7% and customer savings up 4.6%. The Retail Banking teams kept up their efforts to deploy and develop the multi-channel approach in order to better serve customers during the Covid-19 crisis. Multi- channel access to banking services was strengthened throughout 2020. In the period from the start of the first lockdown in early March until the year-end, there were over 3 million visitors each day to the site and the app, and customer service lines processed an average of 50,000 calls per day, with the number of calls peaking at 100,000.Reflecting its determination to continue offering customers a high-quality service in this
exceptional environment, La Banque Postale adjusted its organisation to encourage home working and remote banking services, without having to furlough any of the 25,000 affected employees. its success with 280,000 customers signed up by the end of 2020. Of these, 64% were signed up by the La Poste distribution network, which has been extended since 30 June to include