Groupe BPCE

Access local banking, savings, financing, insurance and advice through regional networks and digital services.

Helps customers protect their property, health, purchases and finances across life stages and everyday projects.

Simplify payments across in-person and digital channels, while helping merchants accept payments and manage cash flows.

Helps European clients access equipment through leasing, backed by BPCE Equipment Solutions’ leading position in Europe.

Helps consumers finance retail purchases, with split payment options available at the point of sale and online.

Clients receive tailored financial solutions and strategic advice to support their business priorities and transition to more sustainable models.

Access diverse investment strategies and portfolio solutions designed to meet a range of investor needs.

Customers can access financing, expert advice and practical support for environmental transition projects across homes, businesses, energy and investment.

Retail banking

Groupe BPCE delivers retail banking through its Banque Populaire and Caisse d’Epargne networks, which are rooted in local regions and operate with a cooperative model. They serve individuals and families, professionals, businesses, associations and institutional customers with banking and insurance services, digital and in-person access, and support for personal and professional projects. Their offerings include savings, private banking, real estate loans, consumer credit, insurance, payments and cash-flow solutions.

• Access Services Digitally Or In Person
  Use digital banking services or interact through locally rooted banking networks, with the choice of digital or physical channels.
• Manage Banking And Insurance Needs
  Access a comprehensive range of banking and insurance services through the retail networks, including online services.
• Get Local Advice For Your Projects
  Benefit from close customer relationships, local decision-making and advisor support for personal and professional projects.
• Save And Access Dedicated Wealth Products
  Choose savings and private banking products, with dedicated products and wealth management expertise available to high-net-worth customers.
• Support Business Operations And Growth
  Receive banking support for day-to-day professional activities and business development, with services for setting up, growing and sustaining companies.
• Finance Real Estate Projects
  Access real estate loans through the Caisse d’Epargne retail banking offer.
• Finance Consumer Purchases
  Access consumer credit as part of the Caisse d’Epargne range of banking solutions.
• Manage Payments And Cash Flow
  Access payment and cash-flow management solutions, alongside financing, investment, employee savings and retirement scheme support.

Insurance services

Groupe BPCE provides insurance through BPCE Assurances, the Banque Populaire and Caisse d’Epargne networks, Oney, and the Compagnie Européenne de Garanties et Cautions. Its offerings include life insurance, personal protection, borrower insurance, auto and home insurance, supplemental health coverage, personal accident cover, legal protection, purchase and payment-method protection, and extended warranties. BPCE Assurances designs and manages personal and non-life insurance solutions for individual and professional customers. The Compagnie Européenne de Garanties et Cautions specializes in guarantees and real estate insurance for individuals, professionals, and businesses. Oney designs and distributes insurance integrated into customer purchase journeys.

• Protect Customers Across Life Stages
  The group’s insurance strategy is intended to accompany customers through key milestones, life phases, and projects.
• Build And Protect Long-Term Savings
  Life insurance is part of BPCE Assurances’ personal insurance solutions, giving customers an option for their savings and financial plans.
• Cover Health And Personal Risks
  Customers can access health and personal protection policies, including supplemental health and personal accident coverage.
• Insure Homes, Vehicles, And Property
  Customers can access insurance for property through the group’s banking networks, including auto and home insurance.
• Protect Borrowers With Insurance Coverage
  Borrower insurance is included in BPCE Assurances’ range of personal insurance solutions distributed through Banque Populaire and Caisse d’Epargne.
• Secure Real Estate Projects With Guarantees
  The group’s specialist company provides guarantees and real estate insurance for individuals, professionals, and businesses.
• Protect Purchases And Payment Methods
  Oney’s insurance range includes protection for purchases and payment methods, supporting consumers in their everyday transactions.
• Access Insurance During Purchase
  Oney integrates its insurance offers into the purchase journey, making them available alongside customer purchases.
• Access Legal Protection Coverage
  The non-life insurance range includes legal protection for customers.
• Extend Product Warranty Protection
  Customers can access extended warranty insurance through Oney’s solutions, which are designed to fit into the purchase journey.

Payment services

Groupe BPCE offers payment solutions for cardholders and merchants across physical and digital channels. The range includes digital wallets and cards, split payments at the point of sale and online, and real-time payments. Merchant services include payment acceptance, innovative terminals and e-commerce solutions, alongside integrated financing services. Cash-flow services include credit transfers, e-billing and accounting services. Groupe BPCE is also developing payment processing capabilities, including through its Estreem partnership, and invests in payment technologies and artificial intelligence.

• Process Card Payments Across Schemes
  The planned Estreem platform is intended to process card payments across multiple schemes and support functionality adapted to numerous countries, as well as instant payment services.
• Accept Payments At Physical Locations
  Merchants can use physical payment solutions, including terminals. At Paris 2024, more than 3,000 terminals were deployed to approved merchants across most competition venues.
• Pay In Installments In Store And Online
  Customers can access split-payment options both at physical points of sale and through online purchasing journeys.
• Send Payments In Real Time
  Real-time payment solutions are part of the offer, alongside Groupe BPCE’s involvement in developing the Wero instant payment solution.
• Accept Payments Through E-Commerce
  Merchants can use payment solutions designed for e-commerce and online sales.
• Combine Payments With Financing
  Integrated payment and financing services bring these capabilities together, including split-payment options for in-store and online purchases.
• Pay With Digital Wallets And Cards
  Customers can use digital wallets and digitalized cards as part of Groupe BPCE’s payment offer.
• Manage Cash Flows And Transfers
  Customers can access cash-flow services that include credit transfers, e-billing and accounting-related services.
• Connect Payment Services Through Secure APIs
  Secure APIs allow non-banking partners to offer Groupe BPCE services to their customers, with payments among the use cases developed under the group’s open-banking approach.

Equipment leasing

Through BPCE Equipment Solutions, Groupe BPCE provides equipment leasing services to clients in Europe. The group describes BPCE Equipment Solutions as a European leader in equipment leasing and a front-ranking global player in the sector.

• Access Equipment Through Leasing
  The service finances the use of business equipment through leasing, providing clients in Europe with an equipment leasing option.
• Work With A Leading Provider
  Clients access equipment leasing through BPCE Equipment Solutions, which Groupe BPCE identifies as a European leader and a front-ranking global player in equipment leasing.

Retail consumer financing

Groupe BPCE provides retail consumer financing through Oney, which it describes as a major player in the sector. The Group also highlights split payment solutions at the point of sale and online, and identifies Oney as a front-ranking player in split payments in France.

• Finance Retail Purchases
  Consumers can access financing in connection with retail commerce through Oney, Groupe BPCE’s retail consumer financing business.
• Pay In Installments At Checkout
  Consumers can use split payment solutions when shopping at the point of sale or online.
• Access Financing Across Europe
  Oney is part of Groupe BPCE’s European activities, through which the Group serves customers across Europe.

Natixis Corporate & Investment Banking

Natixis Corporate & Investment Banking advises companies, financial institutions, institutional investors, financial sponsors and Groupe BPCE networks. It provides tailored financial solutions across advisory, investments, financing, commercial banking and capital markets through five business lines: Global Markets, Investment Banking, Real Assets, Global Trade and M&A. Its teams combine recognized sector expertise with an international presence in nearly 30 countries to support clients’ strategic projects and sustainable transitions.

• Combine Financial Expertise
  Clients can draw on a broad set of financial capabilities to address their needs through tailored solutions.
• Address Sector-Specific Challenges
  Clients receive strategic solutions tailored to the challenges of their business and sector, supported by dedicated industry bankers and recognized sector expertise.
• Advance Sustainable Transitions
  Clients can receive financial partnership and advice on transition actions, including decarbonization, sustainable business diversification and transition governance.
• Access Global Markets
  Clients can access the Global Markets business line within Natixis CIB’s range of financial services.
• Support Investment Banking Needs
  Clients can draw on investment banking expertise for their strategic projects and financial needs.
• Advance M&A Projects
  Clients can access M&A expertise through a dedicated Natixis CIB business line, with activities spanning international markets.
• Access International Expertise
  Clients can work with Natixis CIB teams across a broad international footprint and several major regions.
• Access Real Assets Expertise
  Clients can access Real Assets services through a dedicated Natixis CIB business line.
• Support Global Trade
  Clients can draw on Global Trade services as part of Natixis CIB’s offering.

Asset management

Groupe BPCE provides asset management through Natixis Investment Managers, which supports institutional investors, investment funds, companies and individuals in building investment portfolios. Its multi-affiliate model brings together more than fifteen asset management companies and offers active fundamental management, liability-driven and insurance management, real and private assets, and index, quantitative and ETF strategies. Natixis Investment Managers also works with its affiliates to advance responsible investment through engagement, active voting policies and participation in industry initiatives.

Category: Asset Management Services

• Build Portfolios With Active Investment Strategies
  Investors can access active and conviction-based strategies intended to address a comprehensive range of needs.
• Build Portfolios With Adapted Solutions
  Investors across institutional, fund, corporate and individual client groups can access investment solutions adapted to their portfolio needs.
• Access Expertise From Global Affiliates
  The global affiliate network brings together multiple asset management companies within a multi-affiliate model.
• Advance Responsible Investment Practices
  The firm and its affiliates use engagement, active voting policies and participation in industry initiatives to contribute to the advancement of responsible investment.
• Address Liability And Insurance Needs
  The LDI and insurance management expertise provides an investment approach focused on liability constraints and insurance management.
• Invest In Real And Private Assets
  Clients can access management expertise in real and private assets as part of the firm's investment offering.
• Access Index, Quantitative And ETF Strategies
  The offering includes index and quantitative management as well as Exchange Traded Funds.

Environmental transition financing and advisory

Groupe BPCE supports customers’ environmental transitions through financing, advice and related solutions for individuals, businesses and investors. Support includes guidance and financing for home energy renovations, sector expertise to help businesses integrate ESG issues into their transition, and financing and capital-raising advice for renewable and low-carbon energy projects. Investors can access savings and investment options with sustainable objectives or thematic labels.

• Integrate ESG Into Business Transitions
  Businesses can draw on dedicated dialogue and sector expertise to incorporate ESG considerations into their transition in ways relevant to their size and sector.
• Plan Strategic Transition Actions
  Clients can receive advice on practical strategic changes, from managing exposure to high-emission activities to incorporating transition considerations into governance.
• Finance Renewable Energy Projects
  Project financing supports renewable energy developments through stages including development, construction and maintenance, as well as green electricity production and storage.
• Decarbonize Industrial Operations
  Businesses can receive support for reducing emissions in their industrial procurement and production processes.
• Raise Capital For Energy Transitions
  Clients working on energy transition infrastructure, equipment or transformation projects can receive advice on raising capital or financing.
• Fund And Navigate Home Renovations
  Customers can access project support from energy assessments and subsidy searches through completion guarantees and financing adapted to their circumstances.
• Calculate Personal Carbon Footprints
  Individuals can use the tool to calculate their carbon footprint and access related guidance for environmental transition projects.
• Choose Sustainable Savings And Investments
  Customers can select from sustainable-development savings products and investment funds with sustainable objectives or thematic labels.
• Explore Lower-Carbon Mobility Options
  Individuals can access advice and assistance for lower-carbon mobility projects through the sustainable advice and solutions tool.