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Certified
Corporation
Camille, Deputy Manager of the Gravelines branch, her daughter Justine, and Christophe, Premium Customer Relationship Manager, in Cap Blanc-Nez.
MESSAGE FROM THE CHAIRMEN
A year marked by
our B Corp certification
PHILIPPE LAMBLIN,
Chairman of the Supervisory Board
LAURENT ROUBIN,
Chairman of the Management Board
2022 will be remembered as the year in which our 2022 was also marked by our solid financial
bank obtained high-profile recognition in the form of performance. In unprecedented conditions (inflation,
B Corp certification. Since 2006, this international interest rates, etc.), we continued to accelerate our
label has rewarded organisations that meet multiple, development by serving families and businesses in our
demanding environmental and societal criteria. region.
B Corp certification confirms the positive impact our
“ We intend to continue
day-to-day actions exert on our territory, whether Our annual loan production rose 22% to €9 billion
in terms of the environment, our engagement with during the year. Half of these loans were devoted to
to combine ethics and
society (employment, inclusion, patronage, etc.), our financing family projects, while the other half served
customers (products, services, support for the most to fund economic agents in the Hauts-de-France
region.
economic performance
vulnerable), our employees or our governance.
Deserving of trust over time We also confirmed our commercial dynamism in
in 2023.”
Belgium and expanded towards the broader Benelux
We are the only B Corp-certified bank in the market. We intend to continue to combine ethics and
Hauts-de-France region. Our pioneering approach business performance in 2023, and to demonstrate
in this area is a source of pride for the bank’s 3,000 that finance can, and must, play a major role in envi-
employees and 350 cooperative shareholder board ronmental and societal transformations. By doing so,
members and we intend to continue our current we will uphold our goal of being more than a bank.
course in order to demonstrate that we are deser-
ving of the trust placed in us over time.
Left: Philippe Lamblin,
Right: Laurent Roubin
CAISSE D’EPARGNE HAUTS DE FRANCE 3
BANKER TO FAMILIES AND BUSINESSES
Supporting families in their day-to-day needs
.and projects
Advisor in the Chantilly branch
Close at hand,
even at distance A greener bank
The Caisse d’Epargne mobile app The ecological transition and the
enables all individual customers to fight against climate change are
carry out their operations online, major contemporary issues. Caisse
from transfers to loan applications. d’Epargne Hauts de France is
Teams of phone advisors are also engaged in this transition through
available at distance, to respond to a banking offering that comprises
all customer requests. This distance energy renovation, renewable energy
relationship expanded sharply during and green mobility financing solu-
the pandemic and enabled us to tions, as well as responsible and local
incorporate the optimal degree of investment solutions. We have also
agility into our operating methods. extended this approach by offering
key transition partnerships, such as
Cozynergy, an innovative solution
The Tourcoing Centre branch enabling our customers to receive
support from professionals in areas
ranging from energy audits to the
1.1m execution of transition-related works.
active individual
customers
1 youngster in 4
€20m
invested in branch
in the Hauts-de-France In the Beauvais branch modernisation
region is a customer
300 local
40,000 branches
new individual clients
Investing to ensure continued
€3.5bn
1.1 million active individual cus- Private banking advisors are available
proximity
tomers place their trust in us. All at all points of sale to respond to
inhabitants of the Hauts-de-France specific needs (investment, tax, etc.).
of real-estate loans
region are within 10 minutes of a This proximity enables us to respond
+17% Caisse d’Epargne branch in town and precisely to the real concerns of our
Caisse d’Epargne Hauts de France continued to invest to refurbish and
update the branch network during 2022. This renovation and modernisation
650,000
within 20 minutes in rural areas. All of customers, partners, suppliers and to
work is guided by an innovative branch concept that provides our customers
our branches have the skills needed all the structures that contribute to
and staff with modern, practical, comfortable and welcoming spaces that
insurance policies to manage their customers’ accounts the dynamism of our region.
showcase our brand. Our largest branches include a shared space together
and insurance needs, whatever the
with a co-working area that enables staff to work on their own or in pairs.
customer’s particular profile.
CAISSE D’EPARGNE HAUTS DE FRANCE 5
BANKER TO PROFESSIONALS, COMPANIES AND THEIR OWNERS
Specialists
for health WORKING WITH
Our specialist health team designs
INSTITUT PASTEUR
customised banking solutions for
We are engaged with Institut Pas-
all health industry operators (health teur in Lille on a pioneering social-
professionals, public hospitals, private ly-beneficial operation that invol-
clinics, medical centres, etc.) and me- ves us financing work to upgrade
dico-social establishments (retirement offices whose rental income will
homes, specialised residences, mana- subsequently be used to fund the
ging associations, etc.). Our broad ar- institute’s research. Recognised
ray of solutions responds to the needs as an institution of public interest
of this ecosystem, thanks to a sectoral in 1898, Institut Pasteur is a private
specialisation approach that is capable foundation that retains its financial
45,000
and legal independence. It funds
of anticipating market movements. All
its research projects through a
in all, 12,000 customers in the health policy of revenue diversification.
Business customers ecosystem place their trust in us.
and professionals Real estate project for
Institut Pasteur in Lille
Supporting UGEPA in Moreuil
Encouraging projects that feed
the dynamism of the region
C A passionate OUR TEAMS PRESENT AT THE
aisse d’Epargne Hauts de Our close-knit regional presence also
€4.5bn France has a major impact on
the economy throughout the
benefits our professional customers:
merchants, tradespeople, members of
team for the TERRES EN FÊTE SHOW
region. We partner and contribute the professions and small businesses
We devoted €4.5bn to financing to numerous regional economic and can find specialists contacts in all our agricultural
companies and small-business
professionals in 2022. Thanks
social initiatives. Our ability to make
rapid decisions locally means we can
300 local branches.
world
to our proximity to all economic support our customers’ projects at On a day-to-day basis, we provide
Caisse d’Epargne Hauts de France
agents across the Hauts-de- the right time. We support all kinds property & casualty and personal
notably strengthened its expertise in
France region, we played our of projects that create or safeguard protection insurance solutions as
the farming industry during the year.
role of banker and insurer to jobs or which develop the region or part of our services for professionals,
The bank set up a specialised bu-
the full. All in all, we supported provide services to the population. along with electronic payment, em-
siness centre, run by experts in close
5,000 new customers in their ployee savings and energy transition
contact with farmers out in the field.
business creation/acquisition Banking advisor to financing solutions in our role as
projects, development initiatives companies and all-round partner working to help our The specialist team supports a di-
and private projects. small-business customers grow their businesses. verse range of agricultural operations
professionals embracing field crops, polyculture
And in more difficult moments, our and livestock, and provides solutions The Terres en Fête agricultural show took place at Tilloy-lès-Mofflaines in June.
legal bank takes over the mantle by for the professional and private needs After a three-year hiatus, the biggest agricultural show north of Paris
Each euro deposited with us is
supporting business proprietors with of farmers in France’s foremost agri- returned to set a new record, with no less than 85,000 professionals and
reinvested in the region in order to individual visitors attending. The specialists on the Caisse d’Epargne Hauts de
support businesses in all phases of dedicated solutions. cultural region. From set-up to trans-
France’s Team Agri were also proud to run the bank’s first-ever stand at the
their development. We deliver our mission and including development, event. During the three days, the team welcomed customers, future customers
expertise within the framework of diversification and optimisation, and partners, engaging in rich discussions and receiving highly positive feed-
strategic dialogue with company Caisse d’Epargne Hauts de France back on the work done to support the farming community. And during a pre-
managements, with the particular finances farms over the medium and lunch apéritif on the Saturday, featuring local products made by our customers,
objective of supporting them in their long terms. the team had the chance to share and exchange with their farming customers
energy and environmental transition. in a relaxed manner.
CAISSE D’EPARGNE HAUTS DE FRANCE 7
BANKER TO PROFESSIONALS, COMPANIES AND THEIR OWNERS
Supporting innovation
O
ur teams are organised to expansion purposes and guaranteed by
€830m
support innovative start-ups the European innovation fund.
that need to raise funds to
develop their business. We have set
Our medium-long term loans give them
the opportunity to reveal all their talent
+17%
up a community devoted to innovation and validate their business models. Outstanding loans
and covering all of the Hauts-de-France We are proud to serve as banking Caisse d’Epargne Belgium
region. We provide these promising partner to seven start-ups in the
ventures with dedicated financing French Tech Next 40/120 class of
designed for business start-up or 2023.
Caisse d’Epargne Hauts de France’s structured finance IBV, THE WOOD
team arranged the real-estate financing for the Verkor
Innovation Centre (VIC) to be built by Groupe IDEC. INDUSTRY Banker to large corporations
It is a stepping stone in the construction of the future
gigafactory in Dunkirk which will produce batteries for
Caisse d’Epargne Belgium helped
the Wood & Energy SA Group fi-
.and real-estate firms in
electric vehicles in France and represent an essential nance the construction of a second
component in the coming de-carbonisation of road
travel.
pelletizing unit by its IBV & Cie SA .Belgium
subsidiary as well as the construc-
tion of a cogeneration unit by its
UPWAY
Founded in 2021, Upway is a
Bertemes SA subsidiary. These
loans are consistent with circular
economy principles, with all the re-
C aisse d’Epargne Hauts de France continues to develop its business
in Belgium, with the loan book expanding 17%, from €710m to
€830m in 2022. In Belgium, we work with one large corporation in
platform for e-bikes reconditioned sultant wood industry by-products
in France. The company posted five and Belgian real-estate firms, and are asserting our distinctive
being recovered and converted into positioning as a cross-border bank offering access to the full array of
€7m in sales in its first year of green electricity or domestic pel-
business and has just raised Groupe BPCE’s expertise. We are is also structuring our organisation
lets. These new facilities are due to
$30m to fund expansion. It already enter service in early 2023. in order to broaden our business development in Luxembourg and the
operates in Belgium, Germany Netherlands.
and the Netherlands, in addition to
its domestic market.
Private banking for
customised solutions
Caisse
d’Epargne The Private Bank continued to
Natacha, Private Bank, and her company owner customer, in Villeneuve d’Ascq
Hauts de expand and further diversified its
offering, thereby positioning Caisse
France, an d’Epargne Hauts de France as a major
equity SIGNATURE OF AN ICONIC PARTNERSHIP provider of wealth management
services to company proprietors in
investor in Tuesday 18 October 2022 saw Laurent Roubin, Caisse d’Epargne Hauts the region.
regional SMEs
de France Management Board Chairman, seal a new stage in the bank’s
Assets under management grew by
longstanding partnership with the Réseau Entreprendre network.
over 30% in 2022, in line with perfor-
Working alongside the network, our bank helps to coordinate the efforts
mance in 2021, despite more volatile
T hrough our CEHDF Capital and
CEHDF Mezzanine vehicles
and also our interests in a number
made by entrepreneurs to help other entrepreneurs in our shared
Hauts-de-France region. During the signing, Laurent Roubin reiterated
that “the close ties between our teams and our shared values of
markets.
of regional funds (Finorpa, Picardie
Investissement, Regain 340 et FE2T),
solidarity, simplicity and sincerity are what make the alliance a success”.
He also thanked Réseau Entreprendre President Arnold Fauquette for €855m +32%
we have €190m of direct and indirect his continued trust in the bank throughout the region. In short, the story Assets managed by
equity investments in SMEs in the continues, for the benefit of job creators... our Private Bank
region.
CAISSE D’EPARGNE HAUTS DE FRANCE 9
BANKER TO FAMILIES AND BUSINESSES
Helping to upgrade the quality of life
for people in the Hauts-de-France
region
Foncière Etoile du Nord purchased a building in the heart of Brussels in 2022
Engaged
for social housing
in the region
Caisse d’Epargne Hauts de France is
the leading private-sector bank for
social housing agents. We are invol-
ved in the governance of one social
housing body in two in the region.
In addition to financing construction
and renovation programmes, we also
offer services benefiting the region’s Partnering Investing in real
inhabitants, such as support for access
to property ownership (PSLA loans for
local councils estate assets
modest income families, for example). Caisse d’Epargne has longstanding We take part in investment rounds
And reflecting our commitment to experience of financing local councils. alongside our real-estate development
developing housing for all, we operate We offer a comprehensive range of and dealer clients via our Etoile du Nord
three social housing companies coor- financing solutions suited to their Promotion subsidiary. Likewise, we had
dinated by SAC Petram (SIA Habitat, needs and also provide solutions to €320m of long-term investments in ter-
cover their short-term cash require- tiary, tourism and residential real estate
SIGH and SA HLM de l’Oise).
ments. Our pioneering impact loans assets via our Etoile du Nord property
for local councils also offer interest subsidiary in 2022.
rates linked to the impact of the pro-
Partner for ject concerned: the more virtuous the
real estate project, the lower the interest rate.
THE ENERGY-
professionals SAVING
SUPPORTING REAL ESTATE DEVELOPER CHALLENGE
Caisse d’Epargne Hauts de France is
the region’s leading real-estate ban-
BESIX RED IN LA MADELEINE NEAR LILLE The Haut Terroir residential
ker. We work with real estate profes- building is located in a priority
We supported the Belgian real estate developer Besix RED (Real Estate Deve-
district of Waziers. As part of the
sionals, landlords, builders, property lopment) with its acquisition of an office building in La Madeleine near Lille.
maintenance plan for its social
developers and land developers who The project involves demolishing the existing structure dating from the 1970s
housing portfolio, our social
are involved in building and impro- and constructing a new 7,500m² office building just a few kilometres from the
housing landlord SIA HABITAT
ving quality of life for the region’s Euralille centre. Besix RED is the real estate development arm of the Besix
began upgrading work on 60 in-
inhabitants. We committed €1.6bn of group. It is one of the five biggest real estate developers in Belgium and is also
dividual dwellings in September
active in France, Luxembourg, Portugal and Holland. The financing for this deal
financing to the development of their 2022 (loft insulation, joinery
was facilitated by the existing relations between Besix and our Belgian branch
activities in 2022. repairs, new boilers, etc.).
located in Brussels.
CAISSE D’EPARGNE HAUTS DE FRANCE 11
OUR RESULTS
2022 More than.
a bank.
in figures 5,000orpora
new c mers
te
custo
€5m
Patronage and
philanthropy
€685m Net Banking
Income
Caisse d’Epargne Hauts de
France and its foundation
devoted €5m to patronage,
sponsoring and partnership
€166m Net
Income
€4.3bn Equity
actions across the whole of the
region in 2022. These actions Shareholders’
focused on the fields of culture
and sport-health and on foste-
ring integration for the largest
number of people.
NET BANKING INCOME
€9bn €1bn
is the banking-industry equivalent
of company turnover.
LOAN PRODUCTION
Loan
measures the amount of new
Surplus loans granted during the year.
Production Deposits surplus
50% for families, SURPLUS DEPOSITS
50% for businesses represents the amount of net
deposits collected in 2022.
Kimie and Marlone Alvarez share a dream: both want to dance in Place de la Concorde during the Paris 2024 Olympic Games.
They are two of the nine athletes we support in the region.
CAISSE D’EPARGNE HAUTS DE FRANCE 13
MORE THAN A BANK
Justine, accompanied by Christophe, Premium Customer Relationship Manager, and Fabrice, Boulogne branch, in Cap Blanc-Nez.
Participating in the life.
of a bank that belongs.
to its customers.
As a cooperative bank, Caisse Boards. These board members ori-
d’Epargne Hauts de France belongs ginate from and reflect the diversity
to its 400,000 cooperative sharehol- of the Hauts-de-France region. They
ders who, as customers of the bank, are familiar with economic and social
consequently invest in the region. issues, and strengthen and broaden
Each one owns a fraction of the the Caisse d’Epargne’s close-knit
company’s share capital and thus network in the region. The board
possesses the right of information members contribute to the bank’s
Nouveaux
sociétaires ? regarding the bank’s main policy societal engagement and may be
Rendez-vous dans votre
agence pour découvrir
decisions. called on to help prepare diagnoses
les actions soutenues
sur notre territoire. Cooperative shareholders are repre- for the region, to select projects, to
sented by 350 cooperative-sharehol- decide on patronage initiatives or to
der board members organised into assess projects.
20 Local Cooperative-Shareholder
Cooperative governance 200
Café Sociétaires
Cooperative-shareholder board members elect the members of the Super-
visory Board alongside the elected representatives of the region’s different
assessment
criteria
B Corp-certified bank
samedi 25 mars à 10h00 administrative areas. This cooperative organisation guarantees the interests of
stakeholders.
Members of the Management Board from left to right: Michaël Kervran,
Valérie Raynaud, Laurent Roubin, Chairman, Peggy Brione, Thierry Lhoste. 2nd Caisse d’Epargne Hauts de France
obtained B Corp (Benefit Corporation)
We shoulder a particular responsibility
towards our region and the people
Photo retouchée
Caisse d’Épargne et de Prévoyance Hauts de France - Banque coopérative régie par les articles L.512-85 et suivants du Code monétaire et financier – Société Anonyme à Directoire et Conseil d’Orientation et de Surveillance. Capital social de 1 000 000 000 € - Siège social : 612 rue de la Chaude Rivière 59800 LILLE - 383 000 692 RCS Lille
Métropole Code NAF 6419 Z - Intermédiaire d’assurance, immatriculé à l’ORIAS sous le numéro 07 008 031 - N° TVA intracommunautaire FR34383000692 - Titulaire de la carte professionnelle «Transaction sur immeubles et fonds de commerce sans perception de fonds, effets ou valeurs » n° CPI 8001 2016 000 009 207 délivrée par la CCI
Grand Lille garantie financière : CEGC, 16 rue Hoche, Tour Kupka B – TSA 39999 92919 La Défense Cedex
B Corp-certified certification in November 2022. This that live there. This responsibility
COOPERATIVE bank in France
international ethical label rewards
organisations that meet multiple,
is embodied by the different vision
that guides our business and conse-
-SHAREHOLDER demanding environmental and societal quently by our focus on providing
COFFEE EVENTS criteria. useful finance. Over the years, we
2002 saw the start of in-branch The only The B Corp label was created in the
USA in 2006 by three entrepreneurs
have taken numerous measures in
pursuit of this ambition under the
coffee events for cooperative
shareholders and these will be
B Corp-certified convinced of the need to make bu-
overall tagline “More than a Bank”.
By becoming “more Engaged, going
rolled out further in 2023. The bank in the Hauts- sinesses the linchpins of a world more
respectful of the planet and people.
Greener and encouraging Sport”, our
objective is to share our values
and listen to what our coopera- de-France region The initiative sprang from the simple
actions demonstrate the high degree
of importance we attach to the public
tive shareholders have to say. observation that responsibility for
8
interest and our desire to contribute to
We also share our values via
the twice-yearly publication of th solving current challenges cannot be
left solely to governments and not-for-
the transformation of our region.
a magazine that takes a look profit organisations.
at our region and those who B Corp-certified
contribute to its dynamism and
diversity.
bank in Europe
CAISSE D’EPARGNE HAUTS DE FRANCE 15
In the Soissons branch
MORE THAN A BANK
SHOWING MORE
SOLIDARITY
Useful initiatives and solidarity
with youngsters through our
Corporate Foundation
C
aisse d’Epargne Hauts de France 31 of them were selected as winners.
is an engaged local partner The highly diverse projects focused on
active in the areas of solidarity, one of the following themes: nutrition
culture and sport-health. In February & hygiene, housing, sport & health,
2022, the bank’s Corporate Founda- professional integration. To add to the
Finances & tion launched a call for projects de- impact of the operation, our social
Pédagogie
signed to benefit youngsters under the landlords - SIGH, SIA Habitat and SA A PROTECTED Facilitating
Caisse d’Epargne Hauts de France
is recognised as a foremost player
“#Useful solidarity with youngsters” HLM de l’Oise – took part in the call
PERSONS
financial education tagline. A total of 68 projects were for projects.
CONGRESS day-to-day on the “protected persons” market
and engages on a day-to-day basis
programme submitted in all, a fine performance!
life for legally to assist these customers and the
Caisse d’Epargne Hauts de France people accompanying them. Protected
Every day, the advisors engaged in the
bank’s Finances & Pédagogie finan-
arranged a conference in May
2022 to bring together public and
protected persons thus have access to advi-
cial education programme run group
workshops in the Hauts-de-France
FROM STADIUM TO EMPLOYMENT private agents that act for the
benefit of protected persons, i.e.
persons sors familiar with their issues. Caisse
d’Epargne is also an important partner
region devoted to questions of money people whose ability to protect of actors in the sector, with whom it
Recognising that the social and professional integration of people in diffi-
and money management for various culty, at risk of exclusion or in situations of dependency is a priority, Caisse their own interests might be signs local partnerships that provide
limited by illness, handicap or banking solutions to facilitate the day-
audiences, such as schools, social inte- d’Epargne also expanded the “From Stadium to Employment” scheme.
important social difficulties. It is to-day financial matters of the persons
gration structures and social workers. This sports-based initiative enables employers to come into contact with the go-to bank in the region for
The programme aims to make people youngsters seeking employment and to interview them in less formal services to these people, in rela- for whom they are responsible.
more proficient in money matters circumstances than they might otherwise do. These activities also give tion with their families.
in their personal and professional employers the chance to see how potential candidates behave, rather than
focusing solely on their technical or intellectual capabilities.
lives and thus to help them become
fully-fledged “economic citizens”. As Parcours Supporting Launched by Caisse d’Epargne Hauts
de France in 2019, Banque de l’Orme
it does every year, and particularly to
Confiance companies Nord-Ouest specialises in managing
even in hard
celebrate its 40th anniversary in 2022,
Caisse d’Epargne Hauts de France was microcredit companies subject to Chapter 11-type
protection procedures and recovery
involved in the Apprendre la Bourse
challenge, which allows high school association times procedures. It provides an array of
services comprising advisory services
pupils and higher education students The Parcours Confiance not-for-profit and customised banking solutions
to open a portfolio of shares with association assists individuals and en- to support company proprietors,
€50,000 of virtual capital that they trepreneurs who lack access to classical SMEs and small-business professio-
are tasked with growing by buying and financing circuits for their personal or nals in difficulty. Banque de l’Orme
selling on the stock market. Likewise, professional projects. By offering solu- Nord-Ouest continued to expand its
our customer advisors took part in the tions suited to their particular needs, activities alongside its 400 customers
“J’invite un banquier dans ma classe” such as microloans, Parcours Confiance under management during the year
operation, during which bank staff go contributes to the economic and social and extended its geographic scope of
to meet school pupils in class and talk inclusion process. In 2022, for example, activity to Normandy, in relation with
to them about managing money on a it enabled more than 210 people to buy Caisse d’Epargne Normandie.
day-to-day basis. a vehicle and helped create 30 jobs.
Wattignies CREPS
CAISSE D’EPARGNE HAUTS DE FRANCE 17
MORE THAN A BANK
Going greener
Reducing our carbon footprint
Caisse d’Epargne Hauts de France nable mobility, responsible digital and
has defined three strategic focuses the circular economy. Our branch
of action to reduce our own envi- modernisation programme is subject
100% useful for environmental ronmental footprint: the fight against
climate change via the reduction in
to strict specifications geared to
reducing energy consumption, parti-
transition our greenhouse gas emissions; the
circular economy (a concept that
cularly through the use of automation
technology.
W
e enable our customers to invest in responsible and sustainable products. Myriam and her team in Bouchain embraces procurement and waste We have provided staff with a fleet
These solutions represent over €15bn of investments. The bank supports management); and the reduction in of recycled bicycles, some with and
its family and business customers with their energy and environmental
transition. We are committed to reducing our own environmental footprint.
GO GREEN our impact on biodiversity and the
contribution we make to restoring it.
some without electrical assistance.
They can be used on a day-to-day
Caisse d’Epargne Hauts de During the year, we stepped up our basis for short trips or business
France launched an environ- ambitious plan to engage all our appointments and thus encourage a
ment-related competition in
Supporting Jungle in Château-Thierry employees in structural projects softer form of mobility.
which teams seek to overcome
challenges concerning environ- focused on real estate and sustai-
mental themes over a period of
four seasons. The aims are to
raise awareness and to encou-
rage teams over the long term to
adopt good gestures and to foster LAUNCH OF THE HOPE COMMUNITY
good practices through collabo-
ration. Loos-en-Gohelle
Hope
la communauté
Valentine and Bastien, Partnerships
team, Amiens Tour Perret branch
THE MOBILITY
CHALLENGE
September 2022 saw 600 staff
JUNGLE members heed the call for Caisse
d’Epargne Hauts de France’s HOPE (Humans Opportunities Pioneers Environment), our new Green commu-
Founded in 2016, Jungle first participation in the regional nity, is designed to accelerate Caisse d’Epargne Hauts de France’s environ-
builds and operates Mobility Challenge. They sported mental transition. Some 80 staff volunteers are engaged in the bank’s Green
vertical farms and the company’s colours with pride approach. A first work-meeting enabled the volunteers to meet each other,
produces garden herbs, during the event. Thanks to their to gain ideas from practical, innovative workshops and to start moving towards
lettuces and young shoots efforts, over 1,700 trees were our collective and individual commitments for a responsible environmental
for mass retailers. We planted in the Hauts-de-France transition. The HOPE community comprises 79 members and 6 project groups,
participated in a €1.8m region, with support from our all geared to the objective of accelerating Caisse d’Epargne Hauts de France’s
fundraising exercise for partner Reforest’action (www. environmental transition.
the company in 2022. reforestaction.com).
CAISSE D’EPARGNE HAUTS DE FRANCE 19MORE THAN A BANK
Boulogne-sur-Mer
Encouraging For our
customers
.sport The “Sports Branches” season was
launched in early June. Based around
a sports activity (walking, running,
fitness), the concept brings together
customers, cooperative-shareholder
C
board members and staff with the
aisse d’Epargne Hauts de France is part of Groupe BPCE’s partnership with aim of forging closer ties and creating
the Paris 2024 Olympic Games. We are convinced of the positive impact greater proximity with our customers’
that sport can have on all of us and are therefore committed to encoura- projects.
ging physical activity and sport for all, and to supporting our customers in their
projects linked to the sports economy. Entreprendre 2024 initiative
The Entreprendre 2024 initiative was
For our athletes
set up to inform our professional and
corporate customers of the business
opportunities related to contract
We are supporting nine of the region’s high-level athletes in the run-up to the
tenders for the Paris 2024 Olympic
Paris 2024 Olympic Games, in order to assist them with their progress and
Games and to assist them in replying
performance and their preparations for this major event.
For our staff to tenders and to support them
throughout the process.
We organise numerous events related take part in Groupe BPCE Sports entreprises2024.fr
Charlotte and Laura Tremble, athletes supported through the Performance Pact initiative, to quality of life at work, such as challenges. Our Premium Partnership
For the region
training at the Aquapôle in Amiens. hypnosis sessions for smoking cessa- with the Paris 2024 Olympic Games
tion, Amma seated massage sessions, allows staff to enjoy some unforget-
sophrology sessions for stress or emo- table experiences like the Imagine We partner several high-profile races
tional management and a handicap 2024 Challenge, to volunteer as assis- in the region (urban trails, La Route
awareness show. tants for the Games or to take part in
du Louvre, Lille half marathon) and
the torch relay.
Our sports association embraces 16 actively support professional sports
disciplines and enables our staff to clubs for women (basketball and rugby
in Villeneuve d’Ascq), men (ice hockey
in Amiens, basketball in Gravelines)
and youngsters (football in Beauvais,
MAJOR basketball in Gravelines).
MOUVEMENT
IN VIDEO
SAMEDI 14 et dimanche 15 MAI 2022
Some 15 conferences and
workshops were organised on
the themes of musculoskeletal
disorders, parenting, nutrition
& diet, sophrology and male
cancers (the latter to mark rou
ted
ulo
uvre
.fr
Movember). The four conferences ww
w.la
marathon
run by Major Mouvement on 5 - 10 - 21,1 km
posture and minor pains, rou- TRAILS
Randonnées
tines for a healthy body and on ORGANISÉE PAR
physical and mental well-being,
also met with great success.
CAISSE D’EPARGNE HAUTS DE FRANCE 21MORE THAN A BANK
Contributing to staff
well-being
With 3,000 staff, Caisse d’Epargne Hauts de France is the
region’s seventh-largest private sector employer. In 2023,
some 400 staff on permanent or work-study contracts will
join our commercial or support function teams serving our
customers.
INNOVATING TO
ONBOARD NEW
STAFF
Reflecting an overall environ-
ment of innovation regarding
both working and communication
Staff training for career
methods, new staff expect to
be welcomed with an inclusive,
progress
attractive, personalised and Caisse d’Epargne Hauts de France hosts 100 work-study employees and 200
positive onboarding experience. interns each year. Our active and professional diploma-oriented training policy
To match these expectations, we
developed a novel and intuitive
and our use of cutting-edge technologies underline our goal of supporting our LOCO & CO
mobile app - Accueil & Moi - to
assist new staff through a fun
staff with developments in their profession and continuously upgrading their
skills. In terms of the percentage of our wage bill, we spend seven times the AND MOBILITY
and innovative process that takes legal minimum on training. PLAN
them from the signature of their
The distance travelled each
employment contract to their
physical arrival in the com-
pany. 168 new permanent and
Quality of Life at Work and year by our 3,000 staff in
commuting to and from home
The Network Assistance team – the ShAKe building in Amiens work-study contract employees
have already been onboarded
professional equality represents the equivalent of
550 “world tours”, with 75%
New “collaborative” working via the app and feedback shows
Caisse d’Epargne Hauts de France set tation at all levels of the bank. Our
of these trips being made in
individual cars.
methods
that 98% of these new talents
experienced a “Super!” first week up a “Quality of Life at Work” plan male-female professional equality Based on these figures, there
in our teams. aimed at fostering well-being at work, index score remained at the excellent is an obvious case for encou-
T
Our branch modernisation pro- to offer the same facilities to the The app was singled out during as well as equality in the workplace in level of 93/100 during the year. raging softer forms of mobility
the Victoires des leaders du Ca- terms of job opportunities and human for our staff.
gramme provides an opportu- people that work in these premises.
pital Humain human resources We therefore set up an in-
nity to rethink our working me- The health crisis accelerated the resources management. Each member Living well with handicap novative digital eco-mobility
event organised by Leaders of staff has the chance to take part
thods. The largest branches include a introduction of new working me- League and Décideurs RH. We pay the utmost attention to the solution, Loco & Co, which
shared space together with a co-wor- thods for all staff, to the extent that in workshops or conferences on the employment of handicapped persons, enables staff to visualise their
king area that fosters interactivity working at distance has now found subjects of health, the professional particularly by taking account of each daily commute, to see which
and exchanges. The “ShAKe” building its rightful place in terms of our work sphere, reconciling work and private employee’s constraints and their pro- colleagues make a similar
in Lille, which is due to become our organisation, whether in our head life, and parenting. fessional situation. In 2021, handicap- journey (in order to encourage
new head office in 2023, introduces office teams or in our branches and ped employees accounted for 6.64% ride-sharing), to suggest alter-
a new vision of work spaces focused business centres, which is a first in Professional equality of our workforce and around 200
native solutions to the car and
on quality of use, the well-being of the banking industry. Efforts to equip to see travel tips.
Diversity and professional equality people in total. We also favour the
occupants, sharing, cooperation and staff with mobile phones and laptops between men and women are strong use of specialist structures – such as
creativity. Work was also undertaken also greatly facilitated this shift. values that we uphold. Our recruit- those employing protected persons –
on the offices housing our corporate ment and career management policy when putting contracts out to tender.
functions in Amiens in 2022 in order promotes such balanced represen-
CAISSE D’EPARGNE HAUTS DE FRANCE 23ShAKe (a contraction of Share & Work) has been Caisse d’Epargne Hauts de France’s
head office since March 2023. Comprising 33,000m2 of space, located in the heart of
the Euralille business district on the edge of Lille city centre, it accommodates 650 of
the bank’s employees.
The premises also house other tenant companies serving our employees, including
four restaurants (one with a panoramic terrace), a sports room, a nursery and a
co-working area. The building was designed and is operated according to the highest
environmental standards (BREEAM certified rating of “excellent”).
© 2020 - 8331
Certified
March 2023 - Pixels Avenue, Amiens.
Being useful
here every day. Corporation
Photos: Samuel Dhote, Caisse d’Epargne Hauts de France
Printing certified paper
« Caisse d’Epargne et de Prévoyance Hauts de France - Cooperative bank governed by articles L.512-85 and following of the Monetary and Financial Code -
Public limited company with a Management Board and Steering and Supervisory Board - Share capital of €1,000,000,000 - Head office 612 rue de la Chaude Rivière
59800 LILLE - 383 000 692 RCS Lille Métropole - NAF code 6419 Z - Intra-community VAT number FR34383000692 - Insurance intermediary, registered with
ORIAS under number 07 008 031 - Holder of the professional card «Transaction on buildings and goodwill without collection of funds, effects or securities»
no. CPI 8001 2016 000 009 207 issued by the Greater Lille CCI - financial guarantee: CEGC, 16 rue Hoche, Tour Kupka B – TSA 39999 92919 La Défense Cedex. »You can also read
