Crédit du Nord Group - Groupe Crédit du Nord

Transcription

Crédit du Nord Group
1
Crédit du Nord Group is comprised of seven regional
banks (Crédit du Nord, Banque Courtois, Banque Kolb,
banque Laydernier, Banque Nuger, Banque Rhône-Alpes
and Banque Tarneaud) that share common values and
commitment to offering their know-how to clients.
1,250,840
129,666
19,550
26,535
3,142
individuals clients
professionnal clients
associations
business clients
institutionnal clients
Key Figures
Consolidated data
CONTENTS
(€ millions)
31/12/04
31/12/03
31/12/02
Deposits
14,990.7
14,292.6
13,846.3
Loans
18,216.2
17,291.8
14,976.4
Asset under management
30,845.9
29,513.3
30,035.4
NBI
1,308.8
1,234.4
1,162.9
OF THE CRÉDIT DU NORD GROUP
GOI
432.2
376.7
320.4
3
MESSAGE FROM THE CHAIRMAN
Earnings before exceptionnal items and tax
365.1
308.3
260.6
4
STRATEGY AND POSITIONING
Net income
233.2
190.4
175.7
2
13
HISTORY
5
REGIONAL BANKING FIRST
6
A MODEL FOCUSED ON THE CLIENT
10
A RECOGNISED, POWERFUL MODEL
REGIONS AND SUBSIDARIES OF THE
CRÉDIT DU NORD GROUP
20
2004 HIGHLIGHTS
2 CRÉDIT DU NORD GROUP
History
of the Crédit du Nord Group
The Crédit du Nord Group has its origins in a grouping of nearly
80 regional banks that have been pooling their strengths and talents
for more than a century.
1760: Creation of Banque Courtois, now
France’s oldest surviving bank,
established in Toulouse.
1809: Creation of Banque Tarneaud
established in Limoges.
1848: Discounting house established in the
Lille district.
1871: Discounting house named
Crédit du Nord.
1889: Crédit du Nord opens in Paris to
coincide with the capital’s Universal
Exhibition.
1890: Banque Kolb established at Mirecourt,
in the Vosges.
1891: Banque Laydernier established in
Annecy.
1924: Banque Nuger established in ClermontFerrand.
1927: Crédit du Nord moves its head office to
Paris, at 59 boulevard Haussmann.
1951: Banque Tarneaud agrees a takeover by
Banque de l’Union Parisienne, formerly
an investment bank.
1974: Merger of Crédit du Nord and Banque
de l’Union Parisienne.
1977: Crédit du Nord takes a stake in Banque
Nuger.
1988: Paribas becomes sole shareholder in
Crédit du Nord.
Creation of Banque Rhône-Alpes
following the merger of Banque Nicolet
Lafanechère et de l’Isère (BNLI) with
local branches of Crédit du Nord in the
Rhône-Alpes and Burgundy regions.
1991: Banque Kolb joins the Crédit du Nord
Group.
1992: Banque Courtois joins the Crédit du
Nord Group.
1996: Banque Laydernier joins the Crédit du
Nord Group.
1997: Crédit du Nord Group becomes part of
the Société Générale Group.
2000: Dexia Group takes a 20% stake in the
Crédit du Nord Group alongside Société
Générale (80%).
2002: Banque Lenoir et Bernard (Amiens)
absorbed by Crédit du Nord.
2004: The group opens a new chapter in its
network development with the plan to
open a hundred new branches over
three years.
S T R AT E G Y A N D P O S I T I O N I N G
REGIONS AND SUBSIDIARIES
Message
from the Chairman
Crédit du Nord Group has, for more than 150 years, cultivated its
expertise as a customer-based bank focused on closeness to its
clients, professionalism and innovation.
Every day, the 8 400 men and women in the Group’s seven banks
strive to offer clients a personal and high-quality relationship with
customer satisfaction as their overriding aim. This approach is widely
recognised and appreciated, as we know from our consistently high
rankings in customer satisfaction surveys.
Our approach to banking is rooted in the principles that underpin
our commercial practice – our duty is to inform, to advise and to
act with transparency. The banks of Crédit du Nord Group seek
to ensure that the products and services they offer clients are
useful, add value and meet their needs.
In order to constantly strengthen its presence with its clients,
the Crédit du Nord Group has decided to embark on a
new stage of development, adding one hundred
new branches to its network over the next
three years.
Alain Py
CHAIRMAN
AND CHIEF EXECUTIVE OFFICER
HIGHLIGHTS
3
Strategy
and positioning of the Créd
a
Alain Py,
Chairman and Chief
Executive Officer
b
Bernard Beaufils,
Chief Executive Officer
c
Marc Batave,
Deputy Chief Executive
Officer and Group Chief
Client Officer
d
e
Jean-Pierre Bon,
Financial Officer
Patrick Renouvin,
Information Systems Officer
f
g
h
•
i
•
j
k
Pierre Boncourt,
Group Chief Human
Resources Officer
Crédit du Nord Regions
Francis Molino,
Group Chief Banking
Operations Officer
m
Clare Brennen,
Group Chief
Communications Officer
n
Xavier de Benoist,
Project Manager
Marc France,
Inspector General
l
o
p
Joël Girre,
Director, Normandy Region
Michel Kadziola,
Director, Nord Métropole
Region
q
Jean-Louis Klein,
Director, Corporate Client
Department
Philippe Le Bourdonnec,
Director, Picardie
Champagne-Ardennes
Region
r
s
Subsidiaires
Jean-Pascal Le Charpentier,
Deputy Director
Ile-de-France Region
François Muller,
Director, Provence-AlpesCôte d’Azur Region
Gilles Renaudin,
Director, Ile-de-France
Region
t
u
Gérard Tréca,
Director, Provinces du Nord
Region
Dominique Chastel,
Chairman of Banque Courtois
management board
Jean Dumont,
Chief Executive Officer of
Banque Kolb
v
Jean-Baptiste Hueber,
Chairman of Banque
Laydernier management
board
w
Jacques Le Mercier,
Chairman of Banque Rhône-
x
Patrick Saillant,
Chairman of Banque Nuger
management board
y
Jean Loup Tarneaud,
Chairman and Chief Executive
Officer of Banque Tarneaud
Alpes management board
Thierry Lucas,
Head of Risk Management
g
r
u
d
•
i
y
s
f
o
l
a
w
Management Board
x
e
n
•
p
c
j
t
v
k
m
h
b
q
e Crédit du Nord Group
Regional banking first
The Crédit du Nord Group offers all the advantages of a human-scale
regional bank, backed by the power and expertise of a national bank.
Every client is first and foremost a customer of one of the seven
regional banks, which are run as genuine mid-sized companies.
Advisers in all the Group’s banks have an
The Crédit du Nord Group comprises seven
• Banque Laydernier covers the Savoie and
intimate knowledge of the local business
regional banks, an asset management
Haute-Savoie regions with 39 branches.
context and considerable autonomy in terms
company and a stock broking company.
of decision-making, which makes the Group’s
banks highly responsive.
• Crédit du Nord is structured around six regions:
•
Nord Métropole (58 branches);
This is the strength of our model: all of
•
Les Provinces du Nord (81 branches);
our regional banks can call on the group’s
• Picardie Champagne-Ardennes (57 branches),
cutting-edge product design, powerful IT
•
Normandy (42 branches),
system and pooled resources.
•
Ile-de-France (90 branches),
Our aim is to build personal links with all of
our clients so that each becomes a partner
in a fruitful, long-term relationship.
• Provence-Alpes-Côte d’Azur (44 branches).
• Banque Nuger’s 18 branches are concentrated in the Auvergne region of central
France.
•Banque Rhône-Alpes has 65 branches in
south-eastern France.
• In the west, Banque Tarneaud operates
54 branches serving the central region and
France’s Atlantic coast.
• Banque Courtois has 77 branches in
12 départements of southern France.
• The group’s asset management company,
Étoile Gestion, is among France’s top
• Banque Kolb is active in the East of France
twelve investment managers.
with a network of 22 branches.
• Gilbert Dupont the stockbroker specialises
in mid-cap stocks.
HIGHLIGHTS
5
A model
focused on the client
The group has 8 400 employees and a network of 647 branches
dedicated to serving 1.2 million individual clients, 150 000 professionals
and associations, and 30 000 companies or institutions.
A STRUCTURE TAILORED TO THE
NEEDS OF ALL OUR CLIENTS
Expertise for every client
Our clients have many differing needs: every
To make life easier for our clients, we offer,
alongside our pure banking services, a range
of other services such as insurance and
provident plans. We set great store by our
advisory role with customers in this areas
and by the trust our clients place in us.
individual is unique and a bank must be able
to respond flexibly to particular circumstances. This is why at Crédit du Nord each group
• Clients with complex asset management
issues have two contacts: a general relationship manager for day-to-day matters and
a specialist financial adviser for investment,
tax and inheritance issues.
of clients is served by its own organisational
• Professional, self-employed and commer-
structure.
cial customers have a relationship manager
• In the branch, each individual customer has
a dedicated account officer responsible for the
specially trained to deal with both personal
and professional banking needs.
management of his account on a day-to-day
• Finally, business customers are served by
basis, and always ready to answer questions.
both a relationship manager and a commercial assistant.
HIGHLIGHTS
The branch is the heart of
the relationship
Transactions, services, advice: everything
concerning you and your accounts is brought
together in one place, your branch, close
to your home and under the responsibility
of the same long-term interlocutors.
The Crédit du Nord Group's emphasis on
closeness to its clients is an everyday reality
for all our clients.
• Every client has their account officer's
direct phone number and email address.
• Customer's calls to their account officer
are never routed to call centers.
An expert team in your
region
To be able to give the best possible advice
in your interests on complex issues, your
designated contacts can call on specialist
advisers based in your region. This innovative structure guarantees a quick response
and fast decision-making. Also, a top level
asset-engineering team is available to support
our wealth management advisers on specific
issues, such as estate transfer and
inheritance. The team is based in Paris and
includes tax, legal and property experts.
Individual customers wondering whether to invest their cash or buy
property. Professionals and businessmen with decisions to take on
leases, asset management, electronic payment systems, employee
savings schemes or export trade. Your regular contacts can call on all
the regional expertise and, working together with the specialist teams,
design the best solutions for your particular requirements.
7
Special access to high-quality partners
Innovation and technology
for all
Crédit du Nord Group is committed to
efficient private pension schemes (PERP). In
bringing its clients the best in products
2004, Antarius broadened its offering throu-
The group structure enables our banks
and services. This is why we developed a
gh the inclusion, among other products, of a
to pool resources and to generate major
policy of partnership-building, linking up with
top-of-the-range multi-asset life insurance
synergies, particularly in the design of
companies who are leaders in their field.
policy: Antarius Horizon Premium. Since
new products and services for clients.
Over the past two years, the Crédit du Nord
2002, the Crédit du Nord Group has also
A common IT system across all banks
Group has established partnerships with:
offered car and multi-risk home insurance,
enables the customer to carry out all
thanks to its partnership with Eurofil, an Aviva
transactions from any branch.
subsidiary.
Whether in the products we offer or the
• Boursorama (France’s leading online provider
infrastructure that connects us with our
of stock market information).
clients, Crédit du Nord has always been at
•
American Express (leading global
provider of upmarket credit cards).
the forefront of innovation, and has
developed a range of remote banking
channels (internet, minitel, telephone banking)
enabling clients to can access remote services
Group customers can now subscribe
for the American Express Personal and
Gold Cards and access the whole range
of American Express global services and
special offers.
• Aviva (one of Europe’s leading life
insurance and pensions specialists) offers
its expertise to group customers through
24 hours a day.
The Boursorama partnership enables
customers, using the group’s web services,
These services are entirely optional. We
to access comprehensive economic and
never oblige our clients to use them.
financial information and move quickly
They are purely a way of enhancing the
from information to dealing pages.
quality of our service, particularly outside
branch-opening hours. The advisers working
• Russell (global leader in fund manager
selection).
in the group call centre are first and foremost
bankers. They are fully familiar with the
Group’s offering and their customer approach
the life-insurance subsidiary Antarius,
provides a perfectly complementary service
owned half by Aviva and half by the Group.
In 2000, Crédit du Nord Group broke new
Antarius offers life insurance and savings po-
ground with the Étoile Multi Gestion offer, a
licies, mutual funds, provident plans and tax-
range of five funds invested in international
markets. In 2003, the group launched Étoile
Multi Gestion Europe, a multi-style, multimanager fund eligible for the French PEA
tax-relief wrapper.
to that of the branches. Real-time processing
of nearly all transactions, through whatever
channel, is now a reality.
We have created websites dedicated to the specific needs of our clients,
whether individual customers, professionals, business or asset management
customers. These sites are regularly enhanced with new tools and services,
including online simulators for pensions, savings and loans. Use of our
individual, professional and business customer websites is on the rise, with
respectively 8 million (+40%), 3.3 million (+51%) and 1.5 million (+52%)
connections in 2004.
HIGHLIGHTS
9
A recognised,
powerful model
Crédit du Nord’s business model is widely appreciated by customers,
who, year after year, record their satisfaction in market surveys, and
also recognised by independent observers through a number of
awards.
LISTENING TO CLIENTS AND CUSTOMER SATISFACTION, GENUINE PRIORITIES
Every year existing and prospective clients respond to a wide range of customer satisfaction surveys. These give us a broad picture of what our
customers like about the bank, but also of avenues for future development, points to watch and areas to improve.
In 2004, market surveys carried out by CFI(1) the market research company ranked the group as follows:
• Number two bank for customer satisfaction
tions, reliability of transactions off-premises),
• second out of twelve in the overall rankings
among individual clients and number one
quality of channel offering, quality of customer
• number one for :
in the following areas: branches (friendliness,
relationship (account managers), quality of
- follow-up and efficiency of transaction
quality of information given, speed, confiden-
product/service range.
(3)
(2)
tiality) and quality of access channels.
• The number one bank for customer
• Among the top-ranking banks for
satisfaction among companies, and in the
customer satisfaction with professional
following areas: branch, customer relations,
clients and number one in the following
quality of access channels, products and
areas: satisfaction, confidence, branches
services, and customer loyalty and recom-
(friendliness, speed in processing transac-
mendations.
(4)
Also, Macro/Fimetrix’s 2003 survey of the
whole range of banking services covering
the export trade confirms Crédit du Nord
Group’s strong positioning. The group was
services;
- transaction execution quality;
- monitoring and efficiency of the customer
relationship managers, convenience of
transaction services.
The results of these surveys are fed through
into action plans, particularly as regards
the
commercial
offering
(development
of new products and services), processing
transaction processing and the tools available
to clients.
ranked:
(1) Independent market research company.
(2) Survey carried out between 19 January and 6 February 2004 on a sample of
3,720 clients of French banks, including 320 Crédit du Nord Group customers
(3) Survey carried out between 20 January and 13 February 2004 on a sample of 1 900
clients of French banks, including 300 Crédit du Nord Group customers.
(4) Survey carried out between 22 March and 13 April 2004 on a sample of 1 731 clients
of French banks, including 141 Crédit du Nord Group customers.
RECOGNISED BY INDEPENDENT OBSERVERS
Awards for investment quality
• Throughout 2004, Morning Star and
• At the Agefi 2004 Asset Management
Standard & Poor’s repeatedly praised the
Grand Prix awards, first prize for fund
performance of the group’s UCITS: 19 funds
sales in the category “Bonds with a
managed by Étoile Gestion were regularly
maturity in excess of one year” went to Crédit
awarded 4 or 5 stars*
du Nord Group for the Étoile Variable Spread
* Top rating: 5 stars.
Sicav. This award underlines the combined
• At Le Revenu magazine’s 26th Life
impact of its marketing drive and top quality
Insurance Awards the Antarius Avenir
investment management.
Awards for our financial
research and
recommendations
• Gilbert Dupont the stockbroking company,
a Crédit du Nord Group subsidiary, came
equal fourth in the general French rankings
by US analyst-rating specialist Starmine,
based on total nominations by broker.
• The research department of Gilbert Du-
policy (wealth management option) won the
pont, a Crédit du Nord Group subsidiary , was
bronze medal in the “aggressive” multi-asset
ranked second by AQ Publications, for its
category.
Midcac recommendations and third for
recommendations on all Paris-listed stocks
HIGHLIGHTS
11
Award for the quality of our call centre
• At the 2004 European call centre
• Françoise Leroy, head of the group’s
conference, for the fourth year running, Crédit
remote banking operations, was named call
du Nord’s call centre won the golden headset
centre head of the year, at the International Call
for the “Best business-to-customer telephone
Center Management conference in Chicago on
relationships” as well as the golden headset
26 August 2004.
for “best French call centre”. The prizes were
awarded by the European Confederation of
Contact Centre Organisations (ECCCO).
Awards for the group’s
employee savings
schemes
• In 2004, the Crédit du Nord Group
ranked second in the first ever awards for
employee savings schemes created by
the magazine Mieux Vivre Votre Argent.
• The group also won the Qualiweb/ Stratégies
The award acknowledged the high quality
first prize in the Banking category (an award
management of the Étoile Sélection and Étoile
based on the quality of answers given by the
PEI ranges of employee savings schemes.
remote banking webmasters’ team to emails
sent to Group banks through our websites).
Golden headset 2004
The loyalty of our customers rewards our advisers’ commitment to customer satisfaction. Over 80% of our clients say they would recommend us
to their family and friends.
HIGHLIGHTS
Regions
and
subsidiaries
of the Crédit du Nord Group
13
ILE-DE-FRANCE
The Ile-de-France region includes the
Ile-de-France region and the Oise and Loiret
NORD MÉTROPOLE
départements.
The Nord Metropole region, which is the
There are 78 branches and 12 business
historic birthplace of Crédit du Nord, is
centres. In total more than 1,200 employees
comprised of 550 employees, and breaks
serving 171,000 individual clients, more than
down as follows:
20,000 professionals, 4,400 business and
• 56 branches dedicated to individual and
800 institutional clients.
NORMANDIE
professional customer;
• 2 business centres dedicated to institutional
Since July 1999, the network has comprised
and business customers;
two divisions: the “Corporate Client division”
serving business and institutional clients and
the “Ile-de-France regional division” serving
Pont de Normandie - Le Havre, Chamber of Commerce and Industry
- lighting by Yann Kersalé
the needs of individuals, professionals and
Crédit du Nord has been present in the
associations.
region since 1905. The networks now
includes 38 branches and 4 business centres
including the 5 départments of the Normandy
• 1 private banking centre;
region and the Sarthe.
• 1 Benelux desk for business customers.
The Normandy Region’s 390 employees
With 160,000 individual customers, 9,300
look after 75,000 individual customers,
professionals, 2,200 business customers, 300
8,000 professional clients and micro-
institutions and 2,200 associations among its
companies and 2,000 business customers.
clients, Crédit du Nord is a major force in the
Corporate Client Division:
55, boulevard Haussmann – 75008 Paris
Tel: 01 40 22 47 06
Ile-de-France Regional Divisions:
55, boulevard Haussmann – 75008 Paris
Tel: 01 40 22 25 44
www.credit-du-nord.fr
Lille area.
Head office
28, place Rihour – BP 569 – 59023 Lille Cedex
Tel: 03 20 40 30 40
Head office
9, rue du Donjon – BP 679 – 76008 Rouen Cedex
Tel: 02 32 76 48 50
PROVENCE-ALPESCÔTE D’AZUR
PICARDIE
CHAMPAGNEARDENNE
Crédit du Nord’s presence in Provence-AlpesCôte d’Azur is rooted in a 140-year history of
The Picardie Champagne-Ardennes Region
mergers and takeovers among the region’s
covers seven départements from the English
banking institutions: the Compagnie Algérienne
Channel coast to the Burgundy hills. In most
de Crédit et de Banque (Grasse and Nice were
of this region, Crédit du Nord has been esta-
among the first branches), Crédit Marseillais,
blished for more than a century.
Banque de l’Union Parisienne, Édouard
PROVINCES
DU NORD
Delanglade the stockbroking company and
Within its network of 50 branches and
Banque Arnaud Gaidan.
7 business centres, 540 employees serve
138,000 individual clients, 100,000 professionals
Thanks to its long-established southern
The Provinces du Nord Region began life in
and 2,000 business clients.
roots, Crédit du Nord Provence-Alpes-Côte
the Nord-Pas-de-Calais area, associated with
d’Azur has acquired a franchise of almost
the bank’s historical origins.
110,000 clients, including 1,800 business and
institutional customers.
From Dunkerque to Maubeuge through
Arras, the local network now employs
The Region’s 518 employees contribute to the
774 people, in 70 branches, serving over
bank’s dynamism and development.
226,000 individual and 15,800 professional
clients and 11 business centres catering to
2,100 companies.
Head office
29, rue des Trois-Cailloux – 80011 Amiens Cedex 1
Tel: 03 22 22 50 00
Head office
10, place de la Joliette – BP 97614 –
13567 Marseille Cedex 02
Tel: 04 96 11 44 00
Head office
58, boulevard Carnot – BP 605 – 62029 Arras Cedex
Tel: 03 21 21 78 23
HIGHLIGHTS
15
Banque Courtois, was established in 1760,
the regional legal profession (Carpa) value
and has 77 branches spread from Bordeaux
the products and expertise of Banque Cour-
to Montpellier and Bayonne to Perpignan.
tois, which manages their assets and imple-
The bank’s 640 employees are at the
ments a wide range financial transactions on
heart of the region’s economic life, able to
their behalf.
respond quickly and appropriately to the needs
of more than 110,000 individual clients. Nearly
15,000 professionals also use Banque Courtois in
order to develop their business. With more than
2,300 business customers, Banque Courtois
Head office
33, rue de Rémusat – BP 615 – 31001 Toulouse
Cedex 6
Tel: 05 61 10 84 84
www.banque-courtois.fr
is also a major partner for SMEs and local
authorities across the south of France. In
addition, the associations and institutions of
Banque Kolb was established in 1890 in
Lorraine by Xavier Kolb, who came from
Colmar. Today, Banque Kolb comprises 14
branches in Lorraine and Alsace, 7 business
centres, 2 investment management centres,
at Nancy and Strasbourg, and a branch for
institutional clients at Nancy.
Banque
Kolb,
with
161
employees
serves more than 16,000 individual clients
and 5,500 professionals, companies and
institutions.
Registered office
1-3, place du Général-De-Gaulle – BP 1
88501 Mirecourt Cedex
Head Office
5, rue Saint-Léon – 54000 Nancy
Tel: 03 83 98 89 60
www.banque-kolb.fr
On 16 March 1891, Léon Laydernier, an
the end of 2004, the bank had more than
employee of Banque de France at Annecy,
57,000 individuals, 6,200 professionals and
established Banque Commerciale d’Annecy
more than 900 companies on its books.
which, five years later, became Banque
Commerciale d’Annecy, Laydernier et Cie. In
1996, Banque Laydernier joined the Crédit
du Nord Group after privatisation.
Today, 340 employees work in 39 branches
spread throughout the départements of
Haute-Savoie, Savoie, Ain and Isère. At
Banque Nuger was established in 1924.
and Allier area . Its 165 employees continue to
Its founder André Nuger, followed by his son
develop business in Auvergne and central
Pierre, used the dynamism that powered
France, serving more than 20,000 individual,
the rise of Clermont-Ferrand to lay the
3,900 professional and 680 business clients.
Head office
10, avenue du Rhône – 74997 Annecy Cedex 9
Tel: 04 50 33 42 00
www.banque-laydernier.fr
groundwork for Banque Nuger’s future
stability and expansion.
In 1996, Banque Nuger became a limited
liability company with a management board
and supervisory board, and a subsidiary of
the Crédit du Nord Group.
Banque Nuger now has a network of 18
branches spread across the Puy-de-Dôme
Head office
7, place de Michel-de-l'Hopital – 63000 Clermont-Ferrand
Tel: 04 73 42 73 42
www.banque-nuger.fr
HIGHLIGHTS
17
Banque Rhône-Alpes was established in
In 2004, more than 88,000 individual
1988 by the merger of the Crédit du Nord
customers, more than 13,000 professio-
and Banque Nicolet Lafanechère et de
nals and 2,900 companies put their trust in
l’Isère (BNLI) branch networks in a number of
Banque Rhône-Alpes.
départements.
Banque Rhône-Alpes thus inherited customers and facilities from the former Banque de
l’Union Parisienne (BUP), Banque Massoneri,
Compagnie Algérienne and Banque Bechetoille.
At the end of 2004, Banque Rhône-Alpes
had 600 employees and a presence in nine
départements through its 65-strong branch
Registered office
20-22, bd Édouard-Rey – 38000 Grenoble
Head office
235, cours Lafayette – 69006 Lyon
Tel: 04 72 75 86 86
www.banque-rhone-alpes.fr
network, including five business centres.
Jean-Baptiste Tarneaud set up Banque
Nantes to Bergerac, Royan to Guéret, and
Tarneaud in 1809 at Limoges. Since then it
Tours to La Rochelle. At its 54 branches,
has developed to cover 13 départements in
570 employees take care of 83,300 individual,
France’s Central West region & Atlantic coast,
11,000 professional and 2,200 business clients.
while preserving its regional base.
Siège social
2 et 6, rue Turgot – BP 402 – 87011 Limoges
Tel: 05 55 44 58 58
www.tarneaud.fr
Currently run by Jean Loup Tarneaud,
the bank now has a presence from
Étoile Gestion, is Crédit du Nord Group’s
end funds (FCP) and employee savings
financial markets. State-of-the-art techniques
asset management arm, managing funds on
schemes (FCPE), that give investors access
are used in each speciality. Étoile Gestion’s
behalf of a broad client base comprised of
to all asset classes. The range is designed
products are consistently rated among the
institutional investors, companies, investment
to address investors’ differing needs in terms
best in their class by international ratings
professionals and distributors of financial
of security, investment horizon and sums in-
specialists: 4 or 5 stars from Standard & Poor’s
products.
vested.
and Morningstar and lately Leaderlipper by
With nearly 18 billion euros under manage-
Étoile Gestion has 48 employees responsible
Reuters. Europerformance also frequently
ment, Étoile Gestion ranks among France’s top
for financial management of the assets under
ranks our products in its top quartile.
twelve asset managers.
management. Its 14 asset managers are a
Total assets have grown by around 63% in six
team of experts active in the field, committed
years. This strong growth reflects the sound
and specialised by market. Team stability is
investment performance and strong sales
one of our strengths. All managers are con-
drive, to which the loyalty of its clients testify.
tinuously active in the financial markets. They
Étoile Gestion offers a full range of 180
optimise investment strategies by exploiting
UCITS, including mutual funds, closed-
the performance of the French and European
Head office
170, place Henri-Régnault – 92043 Paris-La Défense Cedex
Tel: 01 56 37 81 00
www.etoile-gestion.com
The Lille-based stockbroking company
50% of the Midcac index market capitalisation.
Gilbert Dupont brokerage executes stock
Gilbert Dupont was bought by Crédit du
The Gilbert Dupont stockbroking company
market orders on behalf of the group’s seven
Nord in 1990. Its corporate culture and
also advises listed companies through all
banks, numerous other financial entities and
experience of involvement with SMEs have
stages of their life: it arranges flotations and
leading online brokers.
led it to specialise in the mid-caps market.
makes markets in stocks to provide liquidity
In 2004, the brokerage took more than
It has developed a sales and consultancy
for investors.
2.2 million orders of which nearly 1.2 million
business for French and European institu-
It also advises and handles fixed income
were executed.
tional clients and is also active on both the
sales: a specialist team works with
primary and secondary markets.
institutional clients and acts as consultant to
Gilbert Dupont has a research department
Crédit du Nord Group branches.
with ten analysts specialised by sector, and
follows 140 stocks representing more than
Head office
50, rue d’Anjou – 75008 Paris
Tel: 01 40 22 46 00
www.gilbertdupont.fr
HIGHLIGHTS
19
Crédit du Nord Group 2004
Highlights
GROUP CORPORATE
DEVELOPMENT
CUSTOMER SERVICE
INNOVATIONS
Network expansion:
13 new branches opened
Individual customers
• TSR
• New UCITS
M AY
• Crédit du Nord
Ile-de-France
- Charenton (September)
Normandie
- Caen Bernières (June)
- Le Havre Les Halles (November)
APRIL
Étoile Obli Dynamique, a highly innovative bond fund, eligible for French tax relief
under the PEA scheme and managed
dynamically through arbitrage strategies on
the euro zone yield curves.
NOVEMBER
EUR 50 million issue of subordinated debt in the
form of Titres Subordonnés Remboursables
(TSR) with a 12-year maturity.
• Insurance
F E B R U A RY
Sécurité Épargne, death insurance which
pays double the benefits accrued in the
event of accidental death.
Nord Métropole
- Lille Nationale (September)
- Roubaix Leclerc (December)
Étoile Sectorielle Europe, sector rotation
fund that aims to outperform the DJ Stoxx
600 index over the long term.
Provence-Alpes-Côte d’Azur
- Marseille Bonneveine (July)
• Pensions
• Employee savings
M AY
J U LY
Antarius PERP, a multi-asset mutual lifeinsurance policy investing in standard, eurodenominated instruments denominated in
euros, established under the Fillon law.
Étoile PERCO, intercompany savings
scheme aimed at professionals with at
least one employee.
NOVEMBER
Business and institutional
customers
• Banque Courtois
- Lattes (September)
• Banque Kolb
- Obernai (November)
- Saint-Max (November)
- Schiltigheim (December)
• Banque Laydernier
- La Ravoire (August)
• Banque Rhône-Alpes
- Brignais (May)
- La Verpillière (November)
Gamme Premium : Antarius Horizon Premium
(life insurance policy) and Antarius PERP
Premium (PERP policy).
Professional customers
• Asset management
APRIL
• Guaranteed funds
F E B R U A RY
Étoile Garanti avril 2010, a guaranteed fund
in which investors benefit from the market’s
recovery secure in the knowledge that their
capital and performance are guaranteed.
NOVEMBER
Étoile Garanti décembre 2010, a guaranteed
fund in which investors benefit from upside in
the euro zone blue chips of the Euro Stoxx 50
in perfect security.
Étoile Obli Dynamique, a highly
innovative bond fund, eligible for French
tax relief under the PEA scheme and
actively managed through arbitrage
strategies on euro zone yield curves.
JUNE
Étoile Duo Garanti, three-year investment
that guarantees both original investment and
performance.
OCTOBER
Étoile Moné Euribor, money market fund
that aims to outperform 3-month Euribor.
Subscriptions are for at least 3 months.
HIGHLIGHTS
INTERNET
• Simulators
• Professional and business customers
J A N U A RY T O S E P T E M B E R
OCTOBRE
New tools have been added to the group’s
websites:
- loan simulators
- retirement simulators
- calculator for tax advantages of a PERP, and a
PERCO simulator
- simulator for the Étoile PEI product
- simulator for calculating tax return on 2003
income
Subscribers for the “Portefeuille commercial”
option can now call up the total of their professional
receivables ceded under the Dailly law and monitor
payments made on a real time basis.
NOVEMBER
Étoile Garanti Europe novembre 2009,
guaranteed fund (minimum EUR 500,000)
offering a 5-year guarantee of capital and
performance at maturity.
Étoile Sectorielle Europe, sector rotation
fund targeting long-term performance to
beat the DJ Stoxx 600 index.
• Employee savings
J U LY
Étoile PERCO, intercompany savings
scheme aimed at businesses with at least
one employee.
• Cross-functional tools
J A N U A RY
Crédit du Nord Group started researching a
branch or cash machine system that can serve
a whole département rather than just one town.
M AY
Crédit du Nord Group expanded its “Titres et
Bourse” online trading offer in partnership with
Boursorama. This is the first partnership between
a bank and France’s leading stock market
information website.
• Individual customers
NOVEMBER
• Business customers
M AY
New option that enables customers to
consult and manage sub-accounts attached to a
Master account: individual internal and external
transfers, collective transfers, cash transfers,
international transfers, bills of exchange, stocks
and investments.
J U LY
New dedicated retirement space on our
Employee savings website.
• Offering for Institutional customers
F E B R U A RY
New website dedicated to Carpa clients that
enables presidents of the Bar, Carpa presidents
and individual lawyers to find information on
business and practices relating to their
functions and duties.
Innovations to the Norplus Club website: a
broader product range and easier browsing
through the site.
FINANCIAL TRANSACTIONS
AV R I L
Crédit du Nord Group – represented by Banque Tarneaud and the Société
de Participations Techniques et Financières (SPTF) – and Siparex Group,
longstanding shareholders, invested in Groupe Norisko in a capital
restructuring deal.
Crédit du Nord lead-managed a capital increase by Sword Group,
a Lyon-based IT services company. The issue was placed through the
brokerage Gilbert Dupont, subsidiary of Crédit du Nord.
J U LY
The Société Marseillaise du Tunnel Prado Carénage was
successfully floated on the Euronext Paris Second Marché in a
placement lead-managed by Crédit du Nord. Thanks to the services of
brokerage Gilbert Dupont the placement was oversubscribed.
Crédit du Nord, acting for Staci Développement, launched a bid under the
simplified tender procedure for the shares of Staci (a company listed on the
Euronext Paris Nouveau Marché).
Following the successful takeover bid Crédit du Nord filed, on behalf of Staci
Développement, a buy-out offer followed by a compulsory buy-out on Staci
shares.
Crédit du Nord also acted as arranger and agent for the syndicated loan
taken out to fund the transaction.
OCTOBER
In the context of the acquisition of Chabert Duval by Cheminées
Philippe, Crédit du Nord organised a public share offer on Chabert Duval’s
listed shares.
DECEMBER
SPTF, the group’s private equity arm took a stake in Eurocrystal,
a specialist in intraocular implants and a client of Banque Courtois.
Crédit du Nord mounted a buy-out offer initiated by Compagnie
Financière Tradition (VIEL & Cie group ) on the shares of its subsidiary TFS.
21
Head office: 59, bd Haussmann – 75008 Paris
Telephone: 01 40 22 40 22
Étoile Direct: from mainland France: 0892 894 894, from abroad: + 33 (0)1 40 86 75 20
www.groupe-credit-du-nord.com
Realisation : Terre de Sienne• credits : Getty Images, Corbis et Jean-Marie Cras
Registered office: 28, place Rihour – 59000 Lille
Crédit du Nord, a French corporation with share capital EUR 740,263,248 - RCS Lille Siren 456 504 851- Réf. : 6362 - April 2005

Crédit du Nord Group - Groupe Crédit du Nord

Transcription

Documents pareils

Confidentiality Security

Marketing and Sales, Marketing and Sales Fundamentals

Operating Systems, Unix / Mac OS X

terms and conditions applicable to foreign correspondents july 2013

15.02.19 Résultats 2014 GB

14.08.04 .2014 First-half results

press release - Banque Fédérative du Crédit Mutuel

CP_Resultats Semestriels 2015 v 06082015_EN KM

14.02.20 - Communiqué résultats annuels 2013 du