{"id":76,"date":"2024-06-10T11:35:45","date_gmt":"2024-06-10T09:35:45","guid":{"rendered":"https:\/\/avenir52.fr\/?p=76"},"modified":"2024-06-05T11:40:02","modified_gmt":"2024-06-05T09:40:02","slug":"la-bpalc-reste-solide-malgre-des-resultats-en-baisse","status":"publish","type":"post","link":"https:\/\/avenir52.fr\/index.php\/2024\/06\/10\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\/","title":{"rendered":"La BPALC\u00a0reste solide malgr\u00e9 des r\u00e9sultats en baisse"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>La Banque Populaire Alsace Lorraine Champagne (BPALC) a pr\u00e9sent\u00e9 ses r\u00e9sultats pour l\u2019ann\u00e9e 2023 \u00e0 Chaumont. Si le contexte difficile a fait baisser le r\u00e9sultat net de 23\u00a0%, les dirigeants soulignent les bons r\u00e9sultats soci\u00e9taux et coop\u00e9ratifs.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thierry Cahn, pr\u00e9sident du conseil d\u2019administration, et Dominique Garnier, directeur g\u00e9n\u00e9ral, ont choisi de pr\u00e9senter les r\u00e9sultats 2023 de la BPALC \u00e0 Chaumont pour montrer que la banque est \u00ab&nbsp;r\u00e9solument proche des territoires&nbsp;\u00bb. Pour conforter son ancrage, elle est pass\u00e9e \u00ab d\u2019une organisation commerciale de 9 d\u00e9partements \u00e0 14 territoires. Par exemple, en Moselle nous avons cr\u00e9\u00e9 3 territoires car ce ne sont pas les m\u00eames bassins de vie&nbsp;\u00bb explique Dominique Garnier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le contexte n\u2019est pas favorable aux banques. En cause, le ralentissement de la croissance \u00e9conomique mondiale, l\u2019inflation persistante, le durcissement des conditions de financement caus\u00e9 par le rel\u00e8vement par 6 fois des taux directeurs par la Banque Centrale Europ\u00e9enne et l\u2019augmentation du taux du livret A. \u00ab&nbsp;Nos produits de cr\u00e9dits ont progress\u00e9 de 20&nbsp;% en volume, mais dans le m\u00eame temps les int\u00e9r\u00eats vers\u00e9s aux clients ont augment\u00e9 de 300&nbsp;%. Mais avoir permis \u00e0 nos clients et \u00e0 nos entreprises de b\u00e9n\u00e9ficier de placements qui leur apportent des produits financiers, c\u2019est tout \u00e0 fait favorable. Cela a affect\u00e9 notre rentabilit\u00e9, mais elle reste encore tr\u00e8s solide&nbsp;\u00bb affirme Dominique Garnier. Le groupe enregistre un produit net bancaire de 537,4 millions d\u2019euros (M\u20ac), contre 626,2 M\u20ac en 2022 et un r\u00e9sultat d\u2019exploitation de 125 M\u20ac. Le r\u00e9sultat net 2023 est de 103,2 M\u20ac, contre 134,5 M\u20ac en 2022 (qui \u00e9tait une ann\u00e9e record), soit -23&nbsp;%. Les frais de gestion ont l\u00e9g\u00e8rement baiss\u00e9 pour atteindre 372 M\u20ac (-2%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hausse de l\u2019empreinte coop\u00e9rative et soci\u00e9tale<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab&nbsp;Mais ce ne sont pas que des r\u00e9sultats financiers, ils sont aussi soci\u00e9taux, coop\u00e9ratifs et de performance&nbsp;\u00bb souligne Thierry Cahn. Fort de ses 330 000 soci\u00e9taires et 869 000 clients, le capital social atteint 1,28 milliard d\u2019euros (Md\u20ac), en hausse de 15 M\u20ac. Les fonds propres prudentiels s\u2019\u00e9l\u00e8vent \u00e0 2,32 Md\u20ac, avec un ratio de solvabilit\u00e9 de 20,4&nbsp;%, ce qui place la BPALC au premier rang des Banques Populaire. \u00ab&nbsp;La limite r\u00e9glementaire est de 11&nbsp;%, nous sommes presque au double&nbsp;\u00bb rappelle le pr\u00e9sident qui r\u00e9sume ces r\u00e9sultats par \u00ab&nbsp;solidit\u00e9, adaptabilit\u00e9 et respect de nos valeurs coop\u00e9ratives&nbsp;\u00bb. L\u2019empreinte coop\u00e9rative et soci\u00e9tale repr\u00e9sente 20,5 M\u20ac, (+12&nbsp;%), avec 519 actions mises en \u0153uvre. La banque a financ\u00e9 plusieurs dizaines de milliers de nouveaux projets sur son territoire pour un montant total de 3,7 Md\u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019encours d\u2019\u00e9pargne mon\u00e9taire s\u2019\u00e9tablit \u00e0 24,5 Md\u20ac, celui de l\u2019\u00e9pargne financi\u00e8re \u00e0 7,9 Md\u20ac et celui des cr\u00e9dits \u00e0 28 Md\u20ac (contre 28,8 Md\u20ac en 2022). \u00ab&nbsp;La consommation des m\u00e9nages est rest\u00e9e dynamique, mais le march\u00e9 de l\u2019habitat est en repli \u00e0 cause de la hausse des taux et d\u2019un prix de l\u2019immobilier qui ne baisse pas&nbsp;\u00bb explique Dominique Garnier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus de 65 000 contrats d\u2019assurance IARD (protection des biens) et pr\u00e9voyance ont \u00e9t\u00e9 souscrits \u00e0 ses clients particuliers et pr\u00e8s de 8 000 contrats \u00e0 ses clients professionnels. Au total, 34&nbsp;% des clients particuliers (+2 points) et 33&nbsp;% des clients professionnels (+1 point) de la banque sont assur\u00e9s. \u00ab&nbsp;Notre ambition reste la m\u00eame, nous voulons qu\u2019un client sur deux soit assur\u00e9 \u00e0 la BPALC&nbsp;\u00bb affirme Thierry Cahn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4t\u00e9 RSE, la BPALC obtient la note de 774 points (+13 points), soit le niveau le plus \u00e9lev\u00e9. Par ailleurs, elle a r\u00e9duit sa consommation d\u2019\u00e9nergie de 21&nbsp;% sur les deux derni\u00e8res ann\u00e9es et a r\u00e9nov\u00e9 10&nbsp;% de ses agences en 2023. La banque compte 2560 collaborateurs, et a recrut\u00e9 190 CDI, ainsi que 128 jeunes en alternance. Enfin, la BPALC est dans le top 3 des \u00e9tablissements du groupe BPCE en mati\u00e8re de satisfaction de ses clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le 22 mai 2023 la BPALC a r\u00e9alis\u00e9 une fusion absorption de sa filiale, la banque BCP Luxembourg. L\u2019\u00e9tablissement, baptis\u00e9 \u00ab&nbsp;Banque Populaire ALC Succursale du Luxembourg&nbsp;\u00bb, repr\u00e9sente 21 000 clients particuliers, 5 agences et 1 centre d\u2019affaires. L\u2019objectif est de \u00ab s\u00e9curiser l\u2019identit\u00e9 de cette banque et lui donner les moyens de se d\u00e9velopper&nbsp;\u00bb indique Thierry Cahn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, trois structures sp\u00e9cialis\u00e9es ont \u00e9t\u00e9 cr\u00e9\u00e9es en appui au r\u00e9seau&nbsp;: ALC Accompagnement, ALC Coop\u00e9ration et ALC Majeurs prot\u00e9g\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Banque Populaire Alsace Lorraine Champagne (BPALC) a pr\u00e9sent\u00e9 ses r\u00e9sultats pour l\u2019ann\u00e9e 2023 \u00e0 Chaumont. Si le contexte difficile a fait baisser le r\u00e9sultat [&#8230;]<\/p>\n","protected":false},"author":3,"featured_media":77,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3],"tags":[],"class_list":["post-76","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vie-professionnelle"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La BPALC\u00a0reste solide malgr\u00e9 des r\u00e9sultats en baisse - L&#039;Avenir Agricole et Rural de la Haute-Marne<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avenir52.fr\/index.php\/2024\/06\/10\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La BPALC\u00a0reste solide malgr\u00e9 des r\u00e9sultats en baisse - L&#039;Avenir Agricole et Rural de la Haute-Marne\" \/>\n<meta property=\"og:description\" content=\"La Banque Populaire Alsace Lorraine Champagne (BPALC) a pr\u00e9sent\u00e9 ses r\u00e9sultats pour l\u2019ann\u00e9e 2023 \u00e0 Chaumont. Si le contexte difficile a fait baisser le r\u00e9sultat [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/avenir52.fr\/index.php\/2024\/06\/10\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\/\" \/>\n<meta property=\"og:site_name\" content=\"L&#039;Avenir Agricole et Rural de la Haute-Marne\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AvenirAgricole52\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-10T09:35:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/avenir52.fr\/wp-content\/uploads\/2024\/06\/BPALC-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Thibaut MORILLON\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@aveniragri52\" \/>\n<meta name=\"twitter:site\" content=\"@aveniragri52\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Thibaut MORILLON\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/avenir52.fr\\\/index.php\\\/2024\\\/06\\\/10\\\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/avenir52.fr\\\/index.php\\\/2024\\\/06\\\/10\\\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\\\/\"},\"author\":{\"name\":\"Thibaut MORILLON\",\"@id\":\"https:\\\/\\\/avenir52.fr\\\/#\\\/schema\\\/person\\\/be62b40759582f9de2b8c967e7857fe2\"},\"headline\":\"La BPALC\u00a0reste solide malgr\u00e9 des r\u00e9sultats en baisse\",\"datePublished\":\"2024-06-10T09:35:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/avenir52.fr\\\/index.php\\\/2024\\\/06\\\/10\\\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\\\/\"},\"wordCount\":756,\"publisher\":{\"@id\":\"https:\\\/\\\/avenir52.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/avenir52.fr\\\/index.php\\\/2024\\\/06\\\/10\\\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/avenir52.fr\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/BPALC-scaled.jpg\",\"articleSection\":[\"Vie professionnelle\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/avenir52.fr\\\/index.php\\\/2024\\\/06\\\/10\\\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\\\/\",\"url\":\"https:\\\/\\\/avenir52.fr\\\/index.php\\\/2024\\\/06\\\/10\\\/la-bpalc-reste-solide-malgre-des-resultats-en-baisse\\\/\",\"name\":\"La BPALC\u00a0reste solide malgr\u00e9 des r\u00e9sultats en baisse - 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