Our ambition for 2030
La Banque Postale’s 2030 goal is to offer the best in bancassurance for everyone. The Group intends to consolidate its integrated bancassurance model, accelerate the diversification of its revenue streams in France and internationally, and reinforce its role as a community-focused organisation committed to a just transition.
This ambition is underpinned by rigorous financial discipline and active risk management, to ensure a sustainable growth trajectory in a challenging market environment.
A committed banking model as a driver of sustainable performance
Ever since it was founded 20 years ago, La Banque Postale has established itself as a unique player in the bancassurance sector in France. Its belief is simple: financial performance and social value are not at odds, but rather reinforce one another.
Over the years, it has developed a banking model that is focused on relationships and community, combining personal touch, accessibility, banking and insurance expertise, and a commitment to serving local communities. This model enables it to provide long-term support to all its customers – individuals, professionals, companies and public sector organisations – in their projects and transitions.
Today, the return to stability in its banking operations marks the culmination of a major phase of transformation. It can now embark on a new phase of its development with a stronger foundation and renewed ambition.
Standing out in an ever-evolving banking sector
The banking sector is undergoing far-reaching changes: the accelerating uptake of digital services, evolving customer expectations and the emergence of new players who are redefining market standards.
In light of these developments, La Banque Postale has chosen to stand out rather than follow the crowd. Its aim is not to replicate neobanking, but to offer the very best in bancassurance by drawing on a unique relationship-oriented banking model.
La Banque Postale is developing a relationship-oriented banking model that combines the power of digital technology, people-oriented services and community commitments, with the aim of providing long-term support to individuals, companies and local communities.
This approach combines the simplicity and user-friendly aspects of digital services with the quality of personalised support, the strength of its regional network and the expertise of an integrated bancassurance group. It enables the Group to build a long-term relationship of trust with its customers and to support them at every stage of their lives or development.
For individuals, professionals, companies and local authorities, this ability to combine customer relationships, advice and innovation is the Group’s distinctive long-term factor within a banking sector undergoing profound change.
Preparing for the future: a new phase of transformation
In 2026, La Banque Postale is embarking on a new phase of its transformation with a view to sustainably strengthening its competitiveness and its ability to create value.
This approach is based on three key areas:
- accelerate the digitalisation of the customer journey and operations in order to deliver a simpler, smoother and more efficient experience;
- use its community banking model as a means of setting itself apart and creating value for individuals, companies and public sector organisations;
- continue developing its business model in order to strengthen its resilience, growth potential and sustainable performance.
Forward-looking research informs this analysis, with a view to anticipating the economic, technological, societal and environmental changes that will shape the financial sector in the coming years and to inform long-term strategic decisions.
A community bank in support of the just transition
Community engagement is one of the cornerstones of La Banque Postale’s identity. A mission-led company since 2022, it places environmental and social issues at the heart of its strategy, governance and development.
Its aim is to contribute to a just transition that combines ecological transformation, social cohesion and economic development. This ambition is reflected, in particular, in its target of achieving net-zero emissions by 2040, as well as in the regular recognition of its commitments by the leading non-financial rating agencies.
For La Banque Postale, corporate social responsibility is not a secondary commitment. It is a key factor in building trust, setting the company apart and creating sustainable value. It helps strengthen relationships with its customers, support regional transformation and develop a more resilient growth model.
Since its creation, La Banque Postale has upheld a firm belief: that responsible, inclusive and effective finance can meet the needs of individuals, companies and public sector organisations whilst making a positive contribution to society.
Customers at the centre of our strategy
Putting the customer at the centre of the model is one of the priorities of the transformation plan. La Banque Postale is strengthening the foundations of its customer relationships with a commitment to excellence: personalising its service model for banking customers, making instant transactions and digital self-service the norm for routine banking, and simplifying access to its products, including everyday insurance policies, now available directly at post office counters.
This requirement has resulted in an enhanced and personalised digital offering: the new app, developed in collaboration with customers, has been given a rating of 4.6 out of 5 by its users.
To ensure that customers remain at the centre of its decision-making in the long term, La Banque Postale calls on its Customer Board, established in 2022, to create a collaborative approach to building the bank of tomorrow.