Bank. Despite the crisis, the Caisse d'Epargne Midi-Pyrenees 2009 report shows a rather satisfactory, with net banking income up to $ 300 million. If his net income has melted like snow in the sun in 2009, due to large provisions, she claims a model with a promising future customer relationship at the heart of its strategy.
The crisis has really left its mark. Not necessarily in the accounts but in any case in mind, the relationship between customers and banks. Evolution deep and lasting, which is at the heart of the strategy of the Caisse d'Epargne Midi-Pyrenees (CEMP) for the years to come at a time when she has just presented its annual accounts. For Pierre Carli, the chief executive of Caisse d'Epargne Midi-Pyrenees who booked La Gazette du Midi the premiere presentation of these results, in effect, "banks have engaged in a race to profitability and today is a policy that does more to customers. Institutions that do not understand this and do not make this shift will have much of concern in the years to come. " And highlight the mutual model of his own institution, a guarantee of confidence in the future: "Our goal is not to have the best value at any price because we are fortunate not to have shareholders but members.
A net banking income up 3%
An argument that can only fly after a turbulent year 2009 for financial institutions and is at the heart of the strategic project of the Caisse d'Epargne Midi-Pyrenees the period 2010-2013 submitted through the current 243 agencies in the region. A project with the evocative title: "Mutual trust, simply." But before we talk about the future, it is still necessary to review the past year has been pretty good for Pierre Carli, despite many obstacles. "The year 2009 was marked by the worst crisis of the postwar period. Despite a fairly good resistance to aviation, food processing and business services, business in Midi-Pyrenees accused the effects of this crisis. Over the year, the turnover of the industry and construction fell 6.5%, the decline was limited to 1% for the tertiary sector. " In this difficult environment, it was also necessary for the Caisse d'Epargne absorb the trivialization of the Livret A, which has impacted significantly on business as a significant decline in dividends paid by the central result of the collapse of financial markets, the Product Net banking income was up 3% to EUR 300 million (against 292 in 2008). Pierre Carli, he who was at the heart of the storm the president of the local banks, said in passing "as a major regional development, nous avons participé pleinement aux efforts de relance économique. Avec une progression de 19,5 % de nos engagements de crédit en 2009 nous avons démontré notre engagement dans le soutien de l’activité locale. Par ailleurs, avec un montant de 476 millions d’euros d’encours de crédit aux entreprises, la Caisse d’épargne de Midi-Pyrénées a confirmé sa place de partenaire actif auprès des PME de la région ».
Un résultat net de 5 M€ du fait des provisions
Mettant en avant le dynamisme commercial et cette implication dans le développement, Pierre Carli insiste également sur la gestion rigoureuse de l’établissement "The decline in our operating ratio by 2.1 percentage points, after the cost of risk, reflecting the tight control of our expenses." All of which highlight the net result of the credit to a small five million euros (4.9), largely down compared to 2008 (€ 50.1 million) and 2007 (€ 83m) . A decline due mainly to provisions set aside this year for risk and impairment of securities, following the losses of the subsidiary Natixis. "By neutralizing it, the result would have been € 46.2 million. Figures are difficult to explain, especially as the Caisse d'Epargne est la seule banque à ne pas avoir remboursé l’aide de l’État - » mais ça nous coûte 9 % par an » souligne le président du directoire, qui fait que cette année pas de conférence de presse pour afficher les résultats, si ce n’est cet entretien exclusif accordé à la Gazette du Midi.
La relation client
au cœur de la stratégie
Et maintenant ? « Nous nous tournons résolument vers l’avenir, indique Pierre Carli. Au sein du groupe BPCE issu du rapprochement des Banques Populaires et des Caisses d’Épargne, nous prenons toute notre place, fort de nos 131500 sociétaires (108 000 in 2008) by continuing our field activities and outreach particularly in the area of solidarity. " The CEMP and in 2009 awarded more than 1.5 million € in grants to 164 projects related to exclusion. And presented the draft 2010-2013 Strategic present throughout the region and this is clearly expressed desire to put people at the heart of it. And the first customer and his satisfaction: "This is the real challenge in the coming years and our strategy can be summed up in three priorities: to be closer, more enterprising, more efficient. It is also our continued politique de développement, la mise en place de la banque de développement régional (BDR) sur les marchés des PME, collectivités, institutionnels, logement et économie sociale, promotion immobilière, comme la banque de détail (BDD) ». Hervé Chossat
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