Opening speech: Philippe Henri (President, CIBP / BPMED), Sabine Calba (CEO, BPMED)
On June 5, 2025, CIBP celebrated its 75th anniversary in Marseille, highlighting cooperative banks’ dedication to community and solidarity over profit. The event focused on reaffirming core cooperative values and addressing community needs, coinciding with the UN’s declaration of 2025 as the International Year of Cooperatives.
CIBP aims to enhance local economies through democratic governance and shared practices, having recently launched a sustainability manifesto to align with its social responsibility goals.
Banque Populaire Méditerranée, rooted in regional development, embraces technology and sustainable practices while strengthening customer relationships under its growth strategy, Mediterranean Blue Heart. The outlook emphasizes optimism and collaboration to tackle shared challenges, aiming for robust economic growth and stronger community ties.
On June 5, 2025, Philippe Henri, President of BPMED and CIBP, along with Sabine Calba, CEO of BPMED, opened CIBP’s 75th anniversary in Marseille, emphasizing cooperative banks’ commitment to solidarity and community over profits. They acknowledged the day as a time for reflection and forward-looking vision, while celebrating their deep historical roots in Marseille—a city known for cooperation and cultural ties.
The event renewed their focus on core cooperative values, advocating a strong commitment to meeting community needs. Additionally, the UN has designated 2025 as the International Year of Cooperatives, underscoring the importance of cooperation in addressing modern global challenges. Cooperative banks, originating in 19th-century Germany, now serve over 70 million members globally, promoting financial inclusion and resilience.
CIBP, established 75 years ago, champions democratic governance and aims to strengthen local economies through training and the sharing of best practices. Recently, it launched a sustainability manifesto to align its strategic foundation with social responsibility. Upcoming events will focus on taking action within local communities, with themes including ecological transition, financial inclusion, and digital transformation. Attendees will engage with speakers on contemporary challenges, reinforcing the cooperative spirit through collaboration and idea-sharing.
Banque Populaire Méditerranée, founded through a merger, serves 522,000 customers and promotes regional development through a range of services and strategic initiatives. A focus on customer relationships lies at the heart of its growth strategy, Mediterranean Blue Heart, designed to align services with regional needs.
The bank’s commitment to sustainable development reflects its awareness of pressing environmental issues, particularly in the Mediterranean region. It also emphasizes the use of technology, including AI, to improve efficiency and enhance client satisfaction. With ambitions to significantly grow its member base, the bank envisions robust economic growth driven by collaboration and innovation. The outlook remains optimistic, encouraging broad participation in strengthening community ties and tackling shared challenges.
- CIBP’s 75th anniversary celebration took place in Marseille on June 5, 2025.
- Philippe Henri emphasized solidarity, democracy, and shared responsibility within the popular banks.
- The event highlighted the cooperative banks’ commitment to serving communities over profits.
- Marseille, founded over 2,600 years ago, symbolizes cooperation and cultural exchange.
- The year 2025 is recognized as the International Year of Cooperatives by the UN.
- Cooperation, solidarity, and shared responsibility are crucial for addressing global challenges.
- Cooperative banks promote local economies, mutualization, stability, and resilience.
- CIBP has been supporting cooperative values for 75 years, focusing on local economic development.
- The organization promotes democratic governance, local roots, and cooperative humanist values.
- Local actions are vital for sustainable development and supporting local entrepreneurship.
- The cooperative model is positioned as a significant driver for addressing contemporary challenges.
- Banking performance is impacted by expensive resources and difficult market conditions.
- The bank emphasizes meeting diverse customer needs for growth and development.
- Prioritizing expertise and proximity to local communities is essential for service.
- Banque Populaire Méditerranée has a commitment to enhance customer satisfaction.
- Collaborating on healthcare systems is crucial to support an aging population.
- There is potential to increase GDP by 50 billion by 2030 with member support.
- Focus on the blue economy is essential for Mediterranean preservation.
- The bank operates to enhance its presence and service in the region post-merger.
- The seminar will address the importance of technological advancements for long-term performance.
- Understanding and addressing the needs of regional members is key for success.
- Engaging employees and members in the strategic plan is essential for cooperative growth.
Testimonies: Marco Almada (CEO, SICOOB), Siria Jeldes (President, COOPEUCH), Rodrigo Silva (CEO, COOPEUCH), Gerald Fleischmann (CEO, Volksbank Wien)
The CIBP celebrated its 75th anniversary in Marseille, highlighting the essential role of cooperatives in prioritizing people over profits while remaining profitable. Speakers emphasized cooperativism as a language of purpose and the importance of diverse perspectives within the community.
The historical context revealed that Brazilian cooperatives were largely overlooked until the 1990s, when leaders began leveraging successful models from Europe. Significant discussions focused on engaging young leaders, enhancing cooperative services through technology, and the necessity for effective communication to cater to all members.
The event concluded with an emphasis on continuous dialogue to drive innovation and maintain the relevance of cooperative values in addressing contemporary challenges.
On June 5th, the CIBP celebrated its 75th anniversary in Marseille, showcasing testimonials from influential cooperative leaders across generations.
The event underscored the vital role of cooperatives in prioritizing people over profits while still maintaining profitability. Key speakers highlighted the essence of cooperativism as a language of purpose, and the importance of integrating diverse perspectives within the cooperative community.
The historical context of CIBP’s roots in Brazil was emphasized, noting that cooperatives remained largely irrelevant until the 1990s despite their potential. A significant shift occurred when visionary leaders capitalized on successful models from Europe to rejuvenate Brazil’s cooperatives.
CIBP’s networking role has significantly enhanced the cooperative movement within Brazil, emphasizing intercooperation among different institutions. Engaging young leaders emerged as a central theme, with discussions on broadening perspectives to better address global challenges faced by cooperatives.
The evolution of technology was viewed as a critical catalyst for enhancing cooperative services, necessitating continual adaptability. Furthermore, the importance of effective communication in engaging both younger and older members was highlighted.
Cooperative identity and its relevance in addressing financial inclusion were also discussed, reflecting on the changing dynamics of member engagement. The speakers raised the importance of financial products that resonate with members’ expectations. Notably, social responsibility emerged as a key aspect of cooperative values, especially during challenging economic conditions. Additionally, trust was acknowledged as a critical component that strengthens community ties, particularly during crises. The commitment to cooperative principles was seen as a competitive advantage in the banking sector.
Future efforts will focus on harmonizing technological advancements with traditional cooperative values to maintain relevancy. The need for continuous dialogue among participants was emphasized to share experiences and foster innovation. The event closed on a light note, with the promise of continued discussions on ethics and cooperation moving forward.
- Testimonials from members at CIBP’s 75th anniversary highlighted shared values in cooperative movements, focusing on community over profits.
- Emphasis on the importance of being in harmony with local territories within cooperative banking.
- CIBP has played a significant role in facilitating connections and strategic planning among cooperative institutions.
- The future of cooperativism relies on the inclusion and development of young leaders.
- Networking with global cooperative leaders has provided valuable insights for Brazilian cooperatives.
- There is strategic importance in understanding various cooperative realities across different countries.
- Technology and digitalization are viewed as essential catalysts for transformation in cooperative banking.
- A strategic plan for the future emphasizes the importance of intercooperation among institutions.
- New leadership must adopt a global perspective while addressing local cooperative challenges.
- The cooperative model can serve as a differentiating factor for attracting customers.
- It’s crucial for cooperatives to embody and promote their core values to resonate with members and clients.
- Modern representation of cooperatives through social media is important for engaging younger audiences.
- Cooperatives proved to be a refuge during the pandemic, gaining trust in times of uncertainty.
- The importance of establishing stable values in leadership is emphasized as a contrast to fluctuating values of some leaders.
- Engaging the younger generation (Gen Z) is crucial, as they prioritize ethical considerations in their purchasing decisions.
- CIBP’s networking programs have demonstrated the continued relevance and resilience of cooperativism.
- Adapting products and services to the specific needs of each age group is essential for cooperative success.
- There is potential for a significant global cooperative movement based on shared values.
- The balance between cooperative principles and effective financial services is necessary for attractiveness and relevance.
- Continuous learning and sharing practices among cooperatives enhance service quality.
2025 International Year of Cooperatives: Ariel Guarco (President, ICA - International Cooperative Alliance)
Ariel Guarco, President of the International Cooperative Alliance, spoke at the CIBP’s 75th anniversary, emphasizing the International Year of Cooperatives and its theme ‘Cooperatives Build a Better World.’
The introduction of the cooperative flame highlighted the unity of the cooperative movement, representing shared values and the diverse activities of cooperatives worldwide. Attendees acknowledged the historical contributions of cooperatives in addressing societal challenges like economic inequality, food insecurity, and environmental issues, reinforcing the importance of a cooperative-centered approach for sustainable development.
The event also addressed the need for financial resources to support real economies and the role of cooperative democracy in fostering innovative solutions to contemporary problems.
Overall, the gathering served as a unifying moment, encouraging collaboration among cooperatives and setting a clear vision for progress leading into the International Year of Cooperatives.
Ariel Guarco, President of the International Cooperative Alliance (ICA), addressed the attendees at the CIBP’s 75th anniversary in Marseille on June 5, 2025, focusing on the International Year of Cooperatives with the theme “Cooperatives Build a Better World.”
The introduction of the cooperative flame, a vital symbol of unity and collaboration within the cooperative movement, served as a highlight. Originating from Paris, this flame represents the diverse activities of cooperatives worldwide and emphasizes shared values in preparation for a year dedicated to cooperation. The flame significance’s relies in uniting the global cooperative community. The cooperative flame, crafted from recycled materials, has four tiers representing the core values and families of cooperativism: democracy, sharing, cooperation, and responsibility.
The event fostered a spirit of cooperation and underscored the impact of cooperatives in creating a better world, a message reiterated by Ariel Guarco. Testimonials from cooperative leaders reinforced the ongoing commitment to these values.
Acknowledging the historical contributions of cooperatives, the event reflected on their role in addressing complex societal challenges, including economic inequality and environmental issues.
The challenges faced today, including food insecurity and job displacement, demand a cooperative-centered approach for sustainable development. The cooperative model, with a history of over 200 years, exemplifies a successful strategy for community empowerment and engagement. The need for financial resources to support real economies is paramount, as speculative practices threaten holistic development. The democracy principles within cooperatives ensure that community voices are heard, leading to innovative solutions for contemporary issues. Furthermore, the evolving demand for training and inclusion highlights the importance of grassroots initiatives in democratizing financial systems. The discussion of fintech and their implications reflects the necessity for a model prioritizing community needs. Sustainable development goals remain unmet, necessitating a shift towards cooperative growth and responsibility in building a better future. The resilience of cooperatives during economic crises demonstrates their potential in enhancing local economies.
The call for collaboration among cooperatives and other institutions emphasizes the importance of shared purpose and responsibilities in overcoming present challenges.
Overall, the event served as a rallying point for cooperative members to commit to a unified vision of progress and equity, laying the groundwork for future initiatives leading into the International Year of Cooperatives.
- Ariel Guarco discusses the 2025 International Year of Cooperatives at CIBP’s 75th anniversary.
- The theme is ‘Cooperatives Build a Better World.’
- The cooperative flame symbolizes unity and has traveled to various countries.
- It represents the four families of cooperativism: producers, consumers, businesses, and multi-sectoral cooperatives.
- Core values include democracy, sharing, cooperation, and responsibility.
- The UN has recognized cooperatives as a viable development model.
- Cooperatives account for 12% of the global product and are vital to the economy.
- Sustainable development is linked to cooperative models.
- The UN Secretary-General emphasizes the cooperative-centered model for sustainable development.
- Governments are urged to revise frameworks to support cooperative growth.
- Current global challenges include hunger, unemployment, and climate change.
- Cooperatives may be the only option for leading a dignified life.
- Participatory management is essential for cooperative success.
- Local communities hold the answer to global challenges.
- There is a need for democratic governance in all operating systems.
- Financial inclusion tools must be beneficial and empower users.
- Data privacy and control are crucial in the financial system.
- Efforts are underway to revive the International Cooperative Banking Association.
- Cooperative banking is seen as democratic, transparent, and inclusive.
- There is potential for synergy between financial institutions and cooperatives.
- The importance of community support in socio-economic development is highlighted.
- Collaboration with grassroots organizations can address local needs effectively.
2025 International Year of Cooperatives - Roundtable: Ariel Guarco (President, ICA - International Cooperative Alliance), Marija Kolak (President, BVR), Stéphane Windsor (CEO, ORCAB)
A roundtable discussion on June 5, 2025, celebrated the anniversary of the CIBP, highlighting the roles of Marija Kolak from BVR and Stéphane Windsor from ORCAB in the cooperative sector.
Marija Kolak discussed BVR’s strategic planning and professionalization efforts for regional banks in Germany, while Stéphane Windsor showcased ORCAB’s representation of diverse craftsmen’s trade work in France. Both leaders underscored the importance of collaboration, innovation, and understanding the economic roles of cooperatives. The event also tackled future challenges, emphasizing the need for engaging youth in cooperatives to foster community involvement and adapt to contemporary needs. Ultimately, there was a strong call for enhancing the visibility and democratic practices of cooperatives to ensure their ongoing success.
On June 5, 2025, a roundtable discussion during the 75th anniversary of the CIBP in Marseille featured Marija Kolak from BVR and Stéphane Windsor from ORCAB, who discussed their organizations and the cooperative sector. Marija Kolak highlighted BVR’s role in strategic planning, lobbying, and risk monitoring for nearly 700 regional banks in Germany. She stressed the significance of professionalization in cooperative banking. Stéphane Windsor focused on ORCAB’s impact in France, representing approximately 9,500 craftsman members in trades like plumbing and electrical work, showcasing the broader scope of cooperatives beyond finance. Both leaders emphasized collaboration and innovation within the cooperative movement, aiming to foster understanding of their economic roles.
The event celebrated the cooperative movement’s accomplishments while addressing future challenges. The dialogue revealed the cooperative’s cultural significance, with members expressing deep-rooted commitments to the model. This cooperative, unique in Europe, supports a supply chain for artisan companies, boasting a €1.4 billion annual turnover since its inception in 1976. Emphasizing member engagement, the cooperative aims to maintain strong local ties, with member participation exceeding 50% in meetings. This model contrasts with traditional finance, where short-term profits overshadow long-term responsibility.
The discussion highlighted the necessity of coaching youth and incorporating fresh perspectives into management. Initiatives like think tanks for engaging younger generations were introduced, recognizing their desire for social justice and personalized services. The roundtable concluded with the call for cooperatives to enhance their visibility and effectiveness while remaining committed to democratic practices. Engaging youth and promoting community involvement emerged as crucial for the future of cooperatives, ensuring they continue to thrive amidst contemporary challenges.
- The roundtable discussion featured Marija Kolak, President of BVR, and Stéphane Windsor, CEO of ORCAB, held during the 75th anniversary of CIBP in Marseille on June 5, 2025.
- BVR is the National Association of German cooperative banks, representing nearly 700 regional banks and overseeing their strategic direction.
- BVR’s key roles include defining the future strategy for the cooperative banking sector and running an institutional protection scheme.
- Stéphane Windsor leads ORCAB, a grouping of 41 cooperatives in France focused on artisanal trades.
- The discussion aimed to broaden the understanding of cooperative movements beyond banking.
- The cooperative in France comprises about 9,500 members, primarily artisanal companies.
- The total turnover for the 41 cooperatives amounts to approximately €1.4 billion annually.
- The cooperative movement is described as a lifelong commitment, not just a work-related endeavor.
- The speaker emphasizes the potential for transformation within society through cooperative efforts.
- The cooperative network in Germany serves 30 million clients and 18 million members.
- Cooperatives prioritize long-term responsibility over short-term profits, fostering a different approach to management.
- Member engagement is critical for cooperatives, measured through purchasing patterns and participation in events.
- Cooperative meetings have over 50% member participation, emphasizing local engagement and ownership.
- BVR controls nearly 80% market share compared to major banks like Deutsche Bank.
- Engaging young people is essential for the future success and sustainability of cooperatives.
- Understanding the perspectives of younger generations on modern banking is crucial.
- Maintaining direct communication with stakeholders is essential for gathering feedback.
- The cooperative promise should focus on delivering performance rather than competing solely on price.
- Young people in Argentina manage school cooperatives, promoting financial education.
- CIBP serves as a platform for sharing best practices in cooperative banking.
- Collaborative work between organizations can enhance learning and development in the cooperative sector.
AI at the service of popular and cooperative banks' Relationship Managers: Christophe Carpentier de Changy (Executive Board Member, Banque CPH), Michael Migendt (Associate Director of Innovation & Digitalization, DZ Bank)
The Roundtable on artificial intelligence (AI) in cooperative banking took place during CIBP’s 75th anniversary in Marseille, highlighting AI’s potential to transform the industry.
Despite concerns about misinformation arising from AI-generated content, tools like ChatGPT are being increasingly adopted to enhance efficiency and service within banks, exemplified by DZ Bank’s successful integration of AI. The dialogue emphasizes the importance of balancing traditional banking methods with digital advancements while maintaining strong customer relationships and addressing fears of job displacement through evolving roles.
Ongoing educational initiatives aim to prepare the workforce for the integration of AI technology, underlining the necessity for transparency regarding data privacy and ownership to address younger consumers’ concerns.
In the Roundtable on artificial intelligence (AI) in cooperative banking, Christophe Carpentier and Michael Migendt shared insightful information and exchanged on important aspects of this relevant topic.
AI is increasingly regarded as a transformative technology with various applications, akin to the attention previously given to blockchain. Many in the industry are adopting tools like ChatGPT, though concerns about misinformation, particularly due to AI-generated ‘hallucinations,’ remain prevalent. Specific instances of such issues underscore the importance of verifying AI output.
Despite these concerns, AI stands out as a tool for enhancing efficiency and service in banking sectors, notably within cooperative banking. DZ Bank exemplifies this, utilizing AI in daily operations to streamline processes and improve customer interaction. The ongoing efforts of DZ Bank’s innovation lab, established eight years ago, focus on integrating AI successfully within the cooperative financial landscape.
Maintaining strong customer relationships is essential, even as banks look to balance traditional approaches with digital advancements. While there are fears regarding job losses, a shift towards evolving employee roles and increasing demand for new skills is anticipated. The dialogue highlights the significant investment in AI and technology to enhance customer service, with the unique human touch of cooperative banks providing an edge in retaining customers. Concerns about data privacy and the efficacy of AI applications in critical decision-making continue to surface. As smaller banks adapt to the evolving competitive landscape, the importance of personal relationships remains paramount.
Educational initiatives to improve workforce adaptation to AI technology are underway, emphasizing proactive integration over defensive measures. The necessity for transparency regarding data ownership and security is underscored, especially among younger consumers increasingly aware of privacy issues. Overall, AI is both an enabler of banking transformation and a challenge to conventional methods, necessitating thoughtful collaboration and adaptation for success.
- AI is rapidly evolving and widely adopted in professional settings, often through tools like ChatGPT, despite concerns about accuracy.
- DZ Bank has incorporated AI as a key tool in daily operations while exploring its applications in customer interfaces.
- The importance of innovation labs, like the one at DZ Bank, is emphasized in researching and integrating AI into financial services.
- Collaboration among German cooperative banks is crucial for exploring AI solutions and enhancing customer interaction.
- AI will improve backend processes through automation while complementing rather than replacing jobs.
- Customers appreciate the human contact offered by cooperative banks, contrasting with commercial banks’ impersonal service.
- The rise of AI is both a challenge and an opportunity, pushing commercial banks towards reduced services but enhancing cooperative bank efficiency.
- Fraud detection and prevention in banking are bolstered by AI, helping identify high-risk transactions.
- The fusion of various digital tools and AI is seen as inevitable, with generative AI ready for deployment.
- Awareness of biases in AI is crucial, as they can perpetuate errors and require careful management.
- There is concern about AI’s impact on job security in the banking industry, especially regarding customer interaction.
- The competitive landscape is changing as banks adopt new standards of speed and convenience.
- Personal data security and trust in AI are major challenges for implementation in businesses.
- AI demonstrates effectiveness in tasks like financial analysis, but skepticism about relying entirely on AI remains.
- The banking industry is evolving quickly with new standards like the introduction of 5-minute mortgages.
- Younger generations are increasingly aware of data and AI concerns.
- DZ Bank is investing in technology and education to enhance AI skills among its employees.
Popular and cooperative banks' inclusion: Louize Oliveira (Supervisor, SICOOB Institute / Researcher, University of São Paulo), Frédéric Lavenir (President, Adie)
The Roundtable discussions on Financial Inclusion emphasized the essential role of popular and cooperative banks in advancing financial inclusion through financial literacy. Financial literacy was highlighted as a tool that helps individuals avoid costly mistakes related to poor financial planning and enhances their financial management skills.
SICOOB’s implementation of frameworks to improve financial capacity and decision-making for its members demonstrated the positive impact of financial education on default rates and member engagement. Collaborations with organizations like Adie were recognized as important for empowering underserved populations through microcredit and entrepreneurship support, although challenges in access to financial education were noted. Overall, the conversation stressed the need for continuous education across demographics, leveraging technology and cooperation among various institutions to foster a more inclusive society.
The Roundtable discussions highlighted the critical role of popular and cooperative banks in promoting financial inclusion beyond just products, emphasizing financial literacy’s importance.
Speakers from SICOOB and Adie pointed out the high costs tied to poor financial planning, underscoring that financial literacy enables individuals to manage their finances better. Louize Oliveira explained how SICOOB created a framework to enhance members’ financial capacity and foster informed decision-making. The shared responsibility of cooperative banks to elevate financial well-being for members and communities was underscored, supporting the notion that improving financial literacy leads to positive financial behaviors.
SICOOB’s initiatives have shown success with lower default rates among members who engage in financial education, thus enhancing member loyalty and credit portfolios. The importance of integrating financial education at a young age, as demonstrated by SICOOB’s programs for children, promotes long-term societal benefits. The transformative power of financial education was further illustrated through success stories from individuals who previously struggled with financial management and later became more engaged with their family finances.
Collaborations with non-profits like Adie are crucial for empowering underserved populations through microcredit and entrepreneurship support. This partnership model combines banking products with community training, demonstrating a high repayment rate and job creation. However, there are challenges related to financial education access for various demographics, emphasizing the need for tailored approaches that consider cultural integration and socioeconomic barriers.
The conversation also touched on the role of technology, particularly artificial intelligence, in enhancing financial advice and guidance. It called for continuous education and training across all age groups to address financial literacy gaps and evolving financial landscapes. A collective commitment to cooperation among financial institutions, community organizations, and individuals was highlighted as essential for tackling these issues and achieving lasting economic development. Overall, financial education was framed not just as a tool for economic success but as a means of fostering empowerment and creating a more inclusive society.
- Financial inclusion requires not just product availability but also client education on financial literacy and proper financial management.
- A significant challenge for many individuals is the high cost of living without good financial planning.
- High financial literacy is linked to positive financial behaviors, such as timely payments and effective debt management.
- Low financial literacy is associated with harmful behaviors, including high-cost credit and unplanned retirement.
- Sicoob’s financial education initiatives reduce member default rates and increase loyalty among those who participate.
- Engaging communities through financial education is seen as a long-term investment with significant societal returns.
- A project was initiated to establish a financial institution focusing on socioeconomic transformation in unbanked municipalities.
- Frédéric Lavenir from ADIE shared insights on microcredit, aimed at helping individuals create their own jobs.
- Adie’s model achieves a 95% repayment rate and high success rates, with most financed individuals employed three years after project creation.
- There is a need to address barriers of mindset and self-perception among marginalized groups regarding their participation in financial activities.
- Financial education can lead to transformative changes in individuals’ lives, fostering social inclusion.
- Teaching financial literacy is more effective than simply providing money, as it fosters sustainable financial practices.
- Successful project leaders become ambassadors, promoting inclusion and training in their communities.
- Financial inclusion in Brazil faces significant challenges, with a high level of banking activity indicating potential mismanagement of finances.
- The cooperative movement advocates for a shift in mindset about financial abundance.
- Financial education should focus on teaching young individuals step-by-step decision-making skills for a more secure financial future.
- Cooperative banking emphasizes collaboration, enabling organizations like ADIE to enhance financial literacy.
- Continuous education across all age groups is necessary for navigating modern financial complexities.
- The importance of investing beyond financial products to enhance the lives of members is emphasized.
BPCE’s group strategic plan “Vision 2030”, from the perspective of the cooperative model: Nicolas Namias (CEO, BPCE)
Nicolas Namias, CEO of BPCE, emphasized the importance of the cooperative model during the CIBP’s 75th anniversary, outlining the strategic plan ‘Vision 2030’ to strengthen cooperative values in banking. He discussed the essential role of sustainability and technological advancements like AI in enhancing financial inclusion.
The speech fostered collaboration among attendees to adapt the cooperative model to emerging challenges, reflecting on BPCE’s 200-year commitment to serving the French economy, particularly SMEs. BPCE aims for comprehensive growth while advocating for neutral regulations that support cooperative interests against the backdrop of a competitive banking landscape. Their proactive strategies, including lowering mortgage rates for energy-efficient investments, underline their dedication to achieving a sustainable and inclusive future.
Nicolas Namias, CEO of BPCE, presented during the CIBP’s 75th anniversary on June 6, 2025, emphasizing the cooperative model’s importance for BPCE since its formation from the merger of Banque Populaire and Caisses d’Épargne. He articulated a commitment to unity through diversity, highlighting BPCE’s strategic plan, ‘Vision 2030,’ aimed at strengthening cooperative values in banking amid evolving challenges.
Nicolas Namias noted discussions on sustainability and technological advances like AI, which are crucial for enhancing financial inclusion. He reinforced CIBP’s mission to promote cooperative principles and the significance of networking among attendees to foster collaboration within the banking sector. The event enabled a constructive dialogue on adapting the cooperative model to new challenges and showcased diverse perspectives on sustainability.
With a history dating back over 200 years, BPCE exemplifies a long-standing dedication to serving the French economy and SMEs, offering crucial support for financing transitions in energy and technology. The cooperative bank has adapted to digitalization, emphasizing the need to remain relevant amid a rapidly changing competitive landscape characterized by selective commercial banks.
BPCE’s Vision 2030 aims for comprehensive growth while maintaining universal access and inclusivity for clients served across all territories. Core to this vision is the belief that the cooperative structure can create substantial economic impact without prioritizing specific target markets. Challenges arise from regulatory frameworks that may favor commercial banks, prompting BPCE to advocate for neutral regulation promoting fair conditions for cooperatives. This entails a balance between fostering stability and growth, especially vital for the SMEs that cooperatives primarily serve. The conversation surrounding governance highlights the need for an understanding of cooperative models within regulatory structures to support effective governance without compromising cooperative identities.
Moreover, BPCE’s focus on actionable strategies is evident in its commitment to lowering mortgage rates for clients investing in energy efficiency, illustrating their proactive stance on sustainability. Overall, BPCE’s dual commitment to cooperative values and growth reflects a holistic approach towards achieving a sustainable and inclusive future for all stakeholders.
- Nicolas Namias, CEO of BPCE, discussed the group’s strategic plan ‘Vision 2030’ at CIBP’s 75th anniversary.
- He emphasized the importance of shared values and diversity within the cooperative banking model.
- CIBP’s mission is to enhance cooperative values among its members on a global scale.
- The cooperative model supports sustainability, AI, and financial inclusion.
- BPCE aims to serve the real economy and all clients across all territories.
- Since 1818, Banques Populaires and Caisses d’Epargne have managed savings for the French, combining cooperative and savings banks.
- The cooperative bank serves SMEs, financing 22% of the French economy.
- Natixis, created in 1919, focuses on financing infrastructure for the French economy.
- The bank aims to support clients transitioning through economic and technological changes.
- BPCE is implementing an ‘AI for all’ initiative, assisting employees and clients with AI tools.
- Digitalization and AI can enhance the cooperative model, especially for younger generations.
- Vision 2030 addresses challenges facing cooperative banks in Europe.
- There is a concern that Europe’s supervisory framework lacks balance between stability and growth.
- Support for Capital Markets Union is vital to prevent overshadowing banking financing.
- Governance in European cooperatives often lacks independent board members’ perspectives.
- Vision 2030 aims to strengthen BPCE’s financial stability and governance representation.
- BPCE plans to grow its market share in France from 22% to 25%.
- Key growth areas include financing projects in real estate and local infrastructures.
- BPCE is committed to protecting clients with comprehensive insurance solutions.
- They support clients in managing energy transitions with practical solutions.
- A vision for 2030 focuses on financing key transitions and creating positive impacts.
General Glossary
- Active Participation: The engagement of members in the governance and activities of their cooperative bank, crucial for success and sustainability.
- AI (Artificial Intelligence): A branch of computer science that simulates human intelligence, performing tasks like reasoning, learning, and decision-making.
- Artisanal Companies: Small businesses offering specialized services (e.g. carpentry, plumbing), often emphasizing craftsmanship and quality.
- Banque Populaire: A network of French cooperative banks serving individuals and small businesses with a regional focus.
- Banque Populaire Méditerranée: A regional cooperative bank in the Mediterranean region, focused on local development and community engagement.
- Belonging: The emotional experience of feeling valued and accepted within a group or community.
- Best Practices: Proven effective methods used to improve services and operations, especially in cooperative banking.
- Blue Economy: An economic model promoting sustainable use of ocean resources for economic growth and marine ecosystem health.
- Capital Generation: The creation and retention of capital within an organization, especially through retained earnings in cooperatives.
- Climate Change: Long-term changes in weather patterns affecting ecosystems, particularly in vulnerable regions like the Mediterranean.
- Cooperative: A jointly owned and democratically controlled organization operated for the mutual benefit of its members.
- Cooperative Bank: A financial institution owned by its members, focusing on local service and community development.
- Cooperative Banking: A banking model prioritizing member cooperation and financial sustainability over profit.
- Cooperative Education: Programs promoting collaboration, knowledge-sharing, and mutual growth within the cooperative context.
- Cooperative Enterprises: Democratically governed businesses run by members for mutual benefit, prioritizing service over profit.
- Cooperative Flame: A symbolic representation of unity within the global cooperative movement.
- Cooperative Model: An organizational framework based on shared ownership, democratic governance, and mutual benefit.
- Cooperativism: A social and economic philosophy advocating for collective ownership and democratic participation.
- Cooperatives: Member-owned organizations that prioritize social responsibility, community welfare, and shared benefits.
- Default Payment: Failure to meet repayment obligations on a loan or credit agreement.
- Digitalization: The integration of digital tools to improve processes, services, and customer experiences.
- Disruptive Change: Transformations that replace existing systems or industries, often driven by technology.
- Economic Challenges: Issues affecting productivity, employment, and financial distribution, particularly during transitions.
- Economic Culture: Shared values and behaviors that shape how a society interacts with financial matters.
- Economic Integration: The inclusion of marginalized individuals into the broader economy through employment and services.
- Economic Profitability: The capacity to generate short-term financial returns while balancing long-term value.
- Economic Stability: A state of consistent growth, low unemployment, and steady prices.
- Economic Transitions: Major shifts in economic structures due to technology, demographics, or climate.
- Empowerment: Enabling individuals to take control over financial and personal decisions.
- Employability Skills: Skills that help individuals adapt to evolving work environments, particularly with technological change.
- Engagement: The degree of commitment members show toward their cooperative.
- Ethical Company: A business that operates responsibly, fairly, and with a focus on sustainability.
- Financial Behavior: How individuals make financial decisions, often linked to literacy and habits.
- Financial Education: Teaching individuals how to manage money, budget, save, and use financial services.
- Financial Inclusion: Ensuring access to useful, affordable financial products for all, especially underserved populations.
- Financial Literacy: The ability to understand and manage personal finances effectively.
- Financial Resources: Assets available to support development and operations.
- Financial Resiliency: An institution’s ability to withstand economic shocks.
- Financial Well-Being: A state where individuals can meet current and future financial obligations comfortably.
- Global Challenges: Cross-border issues like inequality, climate change, and food security.
- Governance: Systems and processes that ensure transparency, accountability, and good management in organizations.
- Hallucinated Data: In AI, fabricated outputs that appear plausible but are incorrect.
- Innovation Lab: A space or initiative for testing new ideas and technologies.
- International Cooperative Alliance: A global body supporting the development of cooperatives.
- Leadership: Guiding and influencing people or organizations, especially in adapting to change.
- Lobbying: Advocacy to influence public policy and legislation.
- Market Financing: Raising funds via capital markets instead of traditional loans.
- Market Share: The percentage of a market controlled by a business or cooperative.
- Member Engagement: The level of participation and involvement of members in cooperative activities.
- Membership: The status of being a cooperative owner-user, with decision-making rights.
- Microcredit: Small loans offered to individuals lacking access to traditional banking.
- Mindset Transformation: A shift in beliefs that empowers individuals economically or socially.
- Pithéas: A Greek navigator from Marseille, symbolic of knowledge sharing.
- Real Economy: The part of the economy that produces goods and services (as opposed to finance or speculation).
- Resilience: The ability of an organization to adapt to adversity and continue operations.
- Robotic Process Automation (RPA): Technology that automates repetitive tasks using software bots.
- Social Justice: Advocating for fairness and equality in access to resources and opportunities.
- Social Responsibility: The obligation of organizations to act for the benefit of society.
- Societal Impact: How technologies or institutions affect people and communities.
- Solidarity: Mutual support among members of a group, especially in cooperatives.
- Sustainability: Meeting current needs without compromising future generations.
- Sustainable Development: Development that balances social, environmental, and economic needs.
- Training Program: A structured process to educate employees on tools or practices.
- Value Sharing Network: A platform for exchanging values, knowledge, and resources in a cooperative context.
- Vision 2030: BPCE’s roadmap for sustainable growth and innovation by the year 2030.
- Young Leaders: Emerging individuals prepared for future leadership roles.
