After a “record” year 2021, the Banque Populaire Auvergne-Rhône-Alpes is continuing its momentum, announcing a “high level of commercial and financial performance in 2022”.
Daniel Karyotis, the general manager of BP Aura, surrounded himself, on Tuesday April 4, with three of his deputy general managers, for his traditional presentation to the press of the figures for the previous year. From the bank’s headquarters in Lyon, each of them detailed the results of their scope. Thierry Zaragoza, DGA of the finance division, then indicated that net banking income recorded growth of + 6.1% in 2022 to reach 780.8 million euros and gross operating income of 293.1 million euros. euros, an increase of 8.5%. The interest margin also resisted, despite the rise in rates; as for commissions, they progressed well, which reflects good commercial activity. In 2022, the consolidated net income of BP Aura increased by 15.9% (174.4 million euros). This good performance reinforces the solidity of the bank, which displays shareholders’ equity increased to 3.6 billion euros and a solvency ratio of 16.3%, ie beyond the regulatory requirement.
First funder in the region.
With regard to loans, outstandings increased by +7% to 36.8 billion, after a year 2021 which already had a similar growth rate. The year 2022 was marked by the distribution of loans of 8.1 billion euros (including 154 million PGE), all clienteles combined. “Since the Covid crisis, we have been the leading funder in the region”, commented Daniel Karyotis, before giving the floor to Violaine Bellin, DGA in charge of local markets: “In 2022, we had a dynamic level of conquest, with 26,000 new individual customers and 9,600 new professional customers”. In terms of specialized markets and the corporate division, Lionel Raymond recalled: “In a context of war in Ukraine, but also of recruitment problems, rising costs of raw materials and energy, we were able to support companies, which enabled us in particular to post gains in equipment credit market. We have also supported them through new expertise: the ability to coordinate everything related to extra-financial matters for them, in particular ESG, environmental, societal and governance criteria.”. To date, this new offer has already been the subject of the first six mandates with ETIs. And BP Aura does not intend to stop there, since it aims to become the reference consulting partner for its clients in terms of sustainable finance. At the end of the presentation, Daniel Karyotis shared his projection for the current year: “The policy of the European Central Bank, which suddenly raises rates to fight inflation, with, at the same time, a liquidity withdrawal effect, means that today we have a financial system that is under pressure. It will therefore be necessary to grit your teeth a little to maintain growth, even weak. But I am of a positive nature, so I believe in it. »
