Mediterranean Bank Network News


2016 stress test confirms Groupe BPCE’s financial strength

BPCE, France

Saturday, 30 July 2016


The stress test performed by the EBA [1] and the ECB confirms Groupe BPCE’s financial strength. The stress-test adverse scenario had the effect of reducing the Group’s phased-in Common Equity Tier 1 ratio [2] from 13.0% at end-2015 to 9.7% at end-2018. This impact of -329bps [3] positions the Group well compared to the average impact on the 51 European Union banks participating in the EBA [1] stress test of - 380 bps [3].





This result demonstrates the group’s robustness, particularly as the stress test was performed with a methodology incorporating sizeable differences with that conducted in 2014 (see box).

The stress-test adverse scenario had the effect of reducing the Group’s phased-in Common Equity Tier 1 ratio [2] from 13.0% at end-2015 to 9.7% at end-2018, equivalent to an impact of -329bps [3].

This impact is lower than the average impact of - 380 bps [3] in the stress-test adverse scenario on the 51 European Union banks participating in the EBA [1] stress test.

The Group’s solvency has improved further since end-2015, such that the Common Equity Tier 1 ratio [2] reached 13.7% on a phased-in basis at June 30, 2016 (and 13.5% on a fully-loaded basis [4] on the same date).

 The full results can be viewed on  www.groupebpce.fr/en/Investors/Regulated-information/Regulatory-publication 


Member banks
  • The Bank of Valletta Group is a leading financial services provider in Malta, providing retail banking, investment banking, private banking, fund management, bancassurance, stockbroking and trustee services.

  • Spain’s fourth largest private banking group, covering all areas of the financial business sector under a common denominator: professional performance and quality.

  • One of the leading banks in the Kingdom of Jordan. A bank that has distinctly adapted continuous development and improvement schemes in all of its activities.

  • BPCE Banques Populaires network has 8,500,000 clients and customers (including 3,900,000 members), more than 3,338 branches, and is part of the second largest French banking group – the BPCE Group.

  • With the largest network of banking, the Banque Populaire Group is the leading banking network in Morocco .By the end December 2012, its network was 1145 branches and over 1323 ATMs.