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2025-2026 Integrated Report
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Happy Birthday

Because La Banque Postale is everyone’s bank, you are at the heart of our 20th anniversary, and we have designed this website for you. Not just a trip down memory lane, it sets out the commitments that put us one step ahead of the challenges of tomorrow.

Joint interview

Twenty years after the creation of La Banque Postale, Marie-Ange Debon, Chairwoman and Chief Executive Officer of La Poste Groupe, and Stéphane Dedeyan, Chairman of the Management Board of La Banque Postale, share their vision of a unique bank.

Read the interview
Marie-Ange Debon
Chairwoman and Chief Executive Officer of La Poste Groupe
Stéphane Dedeyan
Chairman of the Management Board of La Banque Postale

20 years
of making a difference.
Let’s get on with it!

20 years
of making
a difference.
Let’s get on with it!

“Our accessible banking mission is more than just a principle; it is a vital reality that drives social inclusion. Everyone, without exception, must be able to access the most fundamental services. Only at La Banque Postale can you receive your social security benefits and withdraw money using a Livret A passbook savings account.”Julien Benattar Market Director,
La Banque Postale

“Civic-minded or profitable? We choose to be both!”
Read the opinion piece

Return, risk and impact A three dimensional approach to banking

Return, risk and impact: a shift in perspective to uncover hidden risks and seize new opportunities.

Risk and return have long been viewed as the framework for financial analysis. However, the climate emergency and rising public expectations for corporate social responsibility have challenged this vision, bringing a new, equally critical dimension into the picture: impact.

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La Banque Postale’s impact revolution is well under way

For La Banque Postale, commitment means delivering practical responses to social and environmental issues, while meeting the needs of its customers. Three key examples illustrate this.

A third of our offers are socially responsible

As a mission-led company, La Banque Postale offers green, social and positive impact products assessed since 2008 via an ESG checklist scored out of 100. Above 50, an offer is classed as "socially responsible". Today, 34% of our offers reach this level.

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ESG
for all

In 2025, La Banque Postale structured its financial savings offer according to environmental, social and governance (ESG) criteria. The aim: to enable its customers to play a part in the just transition.

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Domestic violence :
An emergency bank account for victims of violence

Since November 2025, La Banque Postale has introduced a scheme allowing bank accounts to be opened in just 24 hours. A first step in helping women victims of violence restore their financial independence.

Learn more
A mission-led company : setting the course for 2030 Learn more

Always
by your
side

Always
by your
side

“Through our partnership with WWF France, we are bridging the gap between science and finance through rigorous scientific standards, designed to be easily understood, adapted and put into practice. This allows us to minimise our environmental footprint while supporting our customers so that they can play their part in the green transition.”Skender Manzoni Head of Community Commitments,
La Banque Postale

A glimpse of... an extraordinary journey

Sébastien Richez, historian of La Poste Groupe, tells us about the events that have made La Banque Postale the benchmark in socially responsible bancassurance.

2006
2008
2009
2011-2012
2022
2023
2026
0:00 / 0:00
Consumer finance business created in partnership with Société Générale
33,208

employees worldwide

No. 1

European bank on climate issues according to the ShareAction non-profit

No. 1

lender to local authorities and public hospitals since 2015

18 million

retail, corporate, institutional and local public sector customers

Whatever the need, whenever it arises, we’ll be there
Providing daily support

A subsidiary of La Poste Groupe, La Banque Postale leverages the strength of an exceptional local network to support 18 million customers: 17,000 contact points, including 6,500 post offices. Accounts, payment methods, savings solutions and loans: a full range of banking services to suit every profile. Wealth management customers benefit from the expertise of Louvre Banque Privée, the Group’s advisory and wealth management subsidiary.

IN FOCUS

The Visa Réalys bank card, combined with a free account package, allows teens aged 12-17 to start managing their budget independently. Through the mobile application, parents retain control and can monitor transactions in real time and customize the card settings in line with their child’s needs

Protecting what’s important

CNP Assurances, a subsidiary of La Banque Postale, offers a comprehensive range of non-life and life insurance products (life, pensions, term creditor, home, car and health insurance) for individual customers and business customers in 18 countries in Europe and Latin America.

IN FOCUS

CNP Assurances is facilitating access to term creditor insurance for people with breast, prostate and testicular cancer. No coverage reductions or additional premiums are applied to these illnesses, as soon as treatment is completed, with no need to wait for the end of the five-year legal "right to be forgotten" period.

Growing our regions

The leading lender to local authorities and public hospitals and a partner to half of the companies in the CAC 40 index, La Banque Postale supports local economic players through a range of tailored services: financing (bank, bond, structured and specialised), transaction banking, deposits, investments, electronic banking and advice.

IN FOCUS

La Banque Postale provided 20% of the funding for the “Périgord Numérique” project for the rollout of fibre optics to 489 towns and villages in the Dordogne, to the tune of €94 million. By supporting very high-speed broadband, we are helping to reduce regional inequalities and promote access to education, culture and employment

Investing
with impact

LBP AM is a long-standing player in asset management in France. Its primary mission is to deliver sustainable financial performance to its clients, drawing on its four core areas of expertise - LBP AM European Private Markets; Multi Asset, Rates & Credit Specialities; Quantitative Solutions - and conviction-based management driven by its subsidiary La Financière de l’Echiquier. The Group is therefore equipped to support all types of investor, whether in active, thematic, responsible or wealth management strategies.

IN FOCUS

LBP AM European Private Markets raised over €500 million in 2026 for the LBPAM Infrastructure Debt Climate Impact Fund. Europe's first climate-impact infrastructure debt fund, it illustrates LBP AM's ability to combine financial performance and climate impact.

Value-creating synergies

As a full-service bancassurer, La Banque Postale encourages synergies between its subsidiaries and with the La Poste Groupe: a valuable asset for developing the best solutions for its customers.

With LBP AM, La Banque Postale is launching its first low-carbon transition bond fund

In 2025, La Banque Postale launched LBPAM Obli Transition Mars 2032, its very first dated bond fund designed to support companies with low-carbon transition strategies.

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With CNP Assurances, La Banque Postale is offering a fund that provides security, returns and sustainability

The “Euros Engagements Durables” fund, designed by La Banque Postale and CNP Assurances, makes the Group the first bancassurer to offer a euro fund with an environmental and societal investment objective.

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With Docaposte, La Banque Postale is turning electronic invoicing into a performance driver

In 2025, La Banque Postale and Docaposte, La Poste Groupe’s digital subsidiary, launched a reliable, sovereign, electronic invoice management platform.

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You're the focus of everything we do

Customers are the priority for La Banque Postale. It helps individual customers in their day-to-day lives, supports businesses as they grow and aids public sector customers with their social projects. Three flagship projects illustrate this approach.

Recycling waste in La Réunion
Building affordable, energy-efficient homes Supporting the development of a key player in the global agricultural sector

What are
our resolutions
for 2030?

What are
our resolutions
for 2030?
Becoming France's
preferred bank
and
the leader in
sustainable finance

“With the renewable energy boom, storage batteries are becoming essential for ensuring the stability of the electricity grid. By understanding the technical challenges they present and the way the market operates, we can finance innovative projects that accelerate the energy transition.”Emmanuel Esneu Head of Asset and Project Finance,
La Banque Postale

A new phase,
the same commitment

by Stéphane Dedeyan

Chairman of the Management Board of La Banque Postale and Executive Vice-President of La Poste Groupe

Our 2030
targets
40%

Non-financial criteria in the teams’ individual variable compensation

43.6%

reduction in greenhouse gas emissions (Scopes 1 and 2) compared with 2021 (base year, SBTi trajectory)

100%

of activities financed by La Banque Postale are coal-free

80%

LBP AM has committed to aligning 80% of its total assets under management with a decarbonization trajectory targeting carbon neutrality by 2050

Our teams driving change

La Banque Postale is on track to achieve its ambitions, thanks to the dedication of its teams. Managers and employees have been involved in the emergence and deployment of a new operational culture, that is focused on results and collective efficiency, while serving both our customers and the bank itself. Spotlight on our initiatives.

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Acting on
what really matters Our ESG commitments