Results presentations

2025

Results for the 2nd quarter and 1st half of 2025

Results for the 2nd quarter and 1st half of 2025

  • Results for the 2nd quarter and 1st half of 2025

    DOCUMENT PDF, published on August 5, 2025

  • Press release of August 5, 2025

    DOCUMENT PDF, published on August 5, 2025

  • Groupe BPCE – Etats financiers consolidés au 30 juin 2025

    DOCUMENT PDF, published on August 6, 2025

  • Rapport CAC sur les comptes consolidés Groupe BPCE – 30 juin 2025

    DOCUMENT PDF, published on August 6, 2025

  • BPCE – Etats financiers consolidés au 30 juin 2025

    DOCUMENT PDF, published on August 6, 2025

  • Rapport CAC sur les comptes consolidés BPCE – 30 juin 2025

    DOCUMENT PDF, published on August 6, 2025

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter 2025

    DOCUMENT PDF, published on May 6, 2025

  • Press release of May 6, 2025

    DOCUMENT PDF

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    693 Ko

2024

Results for the full year

Results for the full year

  • Results for the full year 2024

    DOCUMENT PDF

  • Press Release of February 5, 2025

    DOCUMENT PDF

    Download

    921 Ko

  • Infographics for the full-year results 2024

    DOCUMENT PDF

    Download

    401 Ko

  • Groupe BPCE – Etats financiers consolidés au 31 décembre 2024 (version non auditée)

    DOCUMENT PDF

  • BPCE (ex Groupe BPCE SA) – Etats financiers consolidés au 31 décembre 2024 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months of 2024

Results for the 3rd quarter and first 9 months of 2024

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

  • Press Release of November 6, 2024

    DOCUMENT PDF

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    826 Ko

Results for the 2nd quarter and 1st half of 2024

Results for the 2nd quarter and 1st half of 2024

  • Results for the 2nd quarter and 1st half of 2024

    DOCUMENT PDF

  • Press Release of August 1st, 2024

    DOCUMENT PDF

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    841 Ko

  • Groupe BPCE – Etats financiers consolidés au 30 juin 2024

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés Groupe BPCE – 30 juin 2024

    DOCUMENT PDF

  • Groupe BPCE SA – Etats financiers consolidés au 30 juin 2024

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés Groupe BPCE SA – 30 juin 2024

    DOCUMENT PDF

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter 2024

    DOCUMENT PDF

  • Press Release of May 2, 2024

    DOCUMENT PDF

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    755 Ko

2023

Results for the full year

Results for the full year

  • Results for the full year 2023

    DOCUMENT PDF

  • Press Release of February 7, 2024

    DOCUMENT PDF

    Download

    993 Ko

  • Infographics for the full-year results 2023

    DOCUMENT PDF

  • Groupe BPCE – Etats financiers consolidés au 31 décembre 2023 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA – Etats financiers consolidés au 31 décembre 2023 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

  • Press Release of November 8, 2023

    DOCUMENT PDF

    Download

    970 Ko

Results for the 2nd quarter and 1st half of 2023

Results for the 2nd quarter and 1st half of 2023

  • Results for the 2nd quarter and 1st half of 2023

    DOCUMENT PDF

  • Press Release of August 2, 2023

    DOCUMENT PDF

    Download

    964 Ko

  • Groupe BPCE – Etats financiers consolidés au 30 juin 2023

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés Groupe BPCE – S1-23

    DOCUMENT PDF

    Download

    341 Ko

  • BPCE SA – Etats financiers consolidés au 30 juin 2023

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés BPCE SA – S1-23

    DOCUMENT PDF

    Download

    343 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter 2023

    DOCUMENT PDF

  • Press Release of May 03, 2023

    DOCUMENT PDF

    Download

    767 Ko

2022

Results for the full year

Results for the full year

  • Results for the full-year 2022

    DOCUMENT PDF

  • Press Release of February 9, 2023

    DOCUMENT PDF

    Download

    1,008 Ko

  • Infographics for the full-year results 2022

    DOCUMENT PDF

    Download

    744 Ko

  • Groupe BPCE – Etats financiers consolidés au 31 décembre 2022 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA – Etats financiers consolidés au 31 décembre 2022 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

  • Press Release of November 9, 2022

    DOCUMENT PDF

    Download

    1,021 Ko

  • Infographics Q3 – 2022

    DOCUMENT PDF

Results for the 2nd quarter and 1st half of 2022

Results for the 2nd quarter and 1st half of 2022

  • Results for the 2nd quarter and 1st half of 2022

    DOCUMENT PDF

  • Press Release of August 4, 2022

    DOCUMENT PDF

  • Infographics H1 – 2022

    DOCUMENT PDF

  • Groupe BPCE – Etats financiers consolidés au 30 juin 2022

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés Groupe BPCE – S1-22

    DOCUMENT PDF

  • BPCE SA – Etats financiers consolidés au 30 juin 2022

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés BPCE SA – S1-22

    DOCUMENT PDF

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter 2022

    DOCUMENT PDF

  • Press Release of May 12, 2022

    DOCUMENT PDF

    Download

    988 Ko

  • Infographics Q1 – 2022

    DOCUMENT PDF

    Download

    406 Ko

2021

Results for the full year

Results for the full year

  • Results for the full-year 2021

    DOCUMENT PDF

  • Press Release of February 10, 2022

    DOCUMENT PDF

  • Infographics for the full year results 2021

    DOCUMENT PDF

    Download

    633 Ko

  • Groupe BPCE – Etats financiers consolidés au 31 décembre 2021 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA – Etats financiers consolidés au 31 décembre 2021 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

  • Press Release of November 4, 2021

    DOCUMENT PDF

  • Infographics Q3 – 2021

    DOCUMENT PDF

Results for the 2nd quarter and 1st half of 2021

Results for the 2nd quarter and 1st half of 2021

  • Results for the 2nd quarter and 1st half of 2021

    DOCUMENT PDF

  • Press Release of August 3, 2021

    DOCUMENT PDF

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    951 Ko

  • Infographics H1 – 2021

    DOCUMENT PDF

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    693 Ko

  • Groupe BPCE – Etats financiers consolidés au 30 juin 2021

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés Groupe BPCE – S1-21

    DOCUMENT PDF

  • BPCE SA – Etats financiers consolidés au 30 juin 2021

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés BPCE SA – S1-21

    DOCUMENT PDF

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter 2021

    DOCUMENT PDF

  • Press Release of May 6, 2021

    DOCUMENT PDF

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    749 Ko

  • Infographics Q1 – 2021

    DOCUMENT PDF

    Download

    795 Ko

2020

Results for the full year

Results for the full year

  • Results for the full-year 2020

    DOCUMENT PDF

  • Press Release of February 11, 2021

    DOCUMENT PDF

  • Infographics for the full year results 2020

    DOCUMENT PDF

    Download

    440 Ko

  • Groupe BPCE Etats financiers consolidés 31 12 2020 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA Etats financiers consolidés 31 12 2020 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

  • Press Release of November 5, 2020

    DOCUMENT PDF

  • Infographie T3 -2020

    DOCUMENT PDF

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    632 Ko

Results for the 2nd quarter and 1st half of 2020

Results for the 2nd quarter and 1st half of 2020

  • Press Release of August 3, 2020

    DOCUMENT PDF

  • Results for the 2nd quarter and 1st half of 2020

    DOCUMENT PDF

  • Infographie T2 – 2020

    DOCUMENT PDF

  • Groupe BPCE – Etats financiers consolidés au 30 juin 2020

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés Groupe BPCE – S1-20

    DOCUMENT PDF

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    111 Ko

  • BPCE SA – Etats financiers consolidés au 30 juin 2020

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés BPCE SA – S1-20

    DOCUMENT PDF

    Download

    162 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter

    DOCUMENT PDF

  • Press Release of May 6, 2020

    DOCUMENT PDF

    Download

    846 Ko

  • Infographics Q1 – 2020

    DOCUMENT PDF

    Download

    570 Ko

Archives

2019

Results for the full year

Results for the full year

  • Results for the full-year 2019

    DOCUMENT PDF

  • Press Release of February 06, 2020

    DOCUMENT PDF

  • Infographics for the full year results 2019

    DOCUMENT PDF

  • Groupe BPCE Etats financiers consolidés 31 12 2019 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA Etats financiers consolidés 31 12 2019 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

  • Press Release of November 7, 2019

    DOCUMENT PDF

    Download

    942 Ko

Results for the 2nd quarter and 1st half of 2019

Results for the 2nd quarter and 1st half of 2019

  • Results for the 2nd quarter and 1st half of 2019

    DOCUMENT PDF

  • Press Release of August 1, 2019

    DOCUMENT PDF

    Download

    947 Ko

  • Groupe BPCE – Etats financiers consolidés au 30 juin 2019

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés Groupe BPCE – S1-19

    DOCUMENT PDF

    Download

    165 Ko

  • BPCE SA – Etats financiers consolidés au 30 juin 2019

    DOCUMENT PDF

  • Rapport CAC sur les comptes consolidés BPCE SA – S1-19

    DOCUMENT PDF

    Download

    169 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter of 2019

    DOCUMENT PDF

  • Press Release of May 9, 2019

    DOCUMENT PDF

    Download

    901 Ko

  • Infographics Q1 – 2019

    DOCUMENT PDF

    Download

    458 Ko

2018

Results for the full year

Results for the full year

  • Results for the full-year 2018

    DOCUMENT PDF

  • Press Release of February 12, 2019

    DOCUMENT PDF

  • Infographics for the full year results 2018

    DOCUMENT PDF

  • Groupe BPCE Etats financiers consolidés 31 12 2018 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA Etats financiers consolidés 31 12 2018 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

  • Press Release November, 08, 2018

    DOCUMENT PDF

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    486 Ko

  • Third quarter results of 2018 Infographics

    DOCUMENT PDF

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    696 Ko

Results for the 2nd quarter and 1st half of 2018

Results for the 2nd quarter and 1st half of 2018

  • Results for the 2nd quarter and 1st half of 2018

    DOCUMENT PDF

  • Press Release of August 02, 2018

    DOCUMENT PDF

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    479 Ko

  • Infographics H1 – 2018

    DOCUMENT PDF

  • Consolidated financial statements of Groupe BPCE at June 30, 2018

    DOCUMENT PDF

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    829 Ko

  • Statutory Auditors’ Review Report on the Half-yearly Financial Information Groupe BPCE

    DOCUMENT PDF

  • Consolidated financial statements of BPCE SA group at June 30, 2018

    DOCUMENT PDF

    Download

    829 Ko

  • Statutory Auditors’ Review Report on the Half-yearly Financial Information BPCE SA group

    DOCUMENT PDF

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter of 2018

    DOCUMENT PDF

  • Press Release of May, 17, 2018

    DOCUMENT PDF

    Download

    742 Ko

  • Infographics Q1 – 2018

    DOCUMENT PDF

2017

Results for the full year

Results for the full year

  • Results for the full-year 2017

    DOCUMENT PDF

  • Press Release of February 13, 2018

    DOCUMENT PDF

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    883 Ko

  • Infographics for the full year results 2017

    DOCUMENT PDF

  • Groupe BPCE Etats financiers consolidés 31 12 2017 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA Etats financiers consolidés 31 12 2017 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

    Download

    610 Ko

  • Press Release, November, 07, 2017

    DOCUMENT PDF

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    468 Ko

  • Third quarter results of 2017 Infographics

    DOCUMENT PDF

Results for the 2nd quarter and 1st half

Results for the 2nd quarter and 1st half

  • Results for the 2nd quarter and 1st half of 2017

    DOCUMENT PDF

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    563 Ko

  • Press Release of August 1, 2017

    DOCUMENT PDF

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    481 Ko

  • Results for the 2nd quarter and 1st half of 2017 – Infographics

    DOCUMENT PDF

  • Groupe BPCE – Etats financiers consolidés au 30 juin 2017

    DOCUMENT PDF

    Download

    907 Ko

  • Groupe BPCE SA – Etats financiers consolidés au 30 juin 2017

    DOCUMENT PDF

    Download

    885 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter of 2017

    DOCUMENT PDF

    Download

    500 Ko

  • Press Release of May 9, 2017

    DOCUMENT PDF

    Download

    603 Ko

  • Infographie T1-17

    DOCUMENT PDF

    Download

    536 Ko

2016

Results for the full year

Results for the full year

  • Résultats annuels 2016

    DOCUMENT PDF

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    595 Ko

  • Communiqué de presse du 09 février 2017

    DOCUMENT PDF

  • Infographie T4 2016

    DOCUMENT PDF

    Download

    475 Ko

  • Groupe BPCE – Etats financiers consolidés au 31 décembre 2016 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA – Etats financiers consolidés au 31 décembre 2016 (version non auditée)

    DOCUMENT PDF

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

    Download

    557 Ko

  • Press Release,November,08,2016

    DOCUMENT PDF

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    537 Ko

Results for the 2nd quarter and 1st half

Results for the 2nd quarter and 1st half

  • Results for the 2nd quarter and 1st half of 2016

    DOCUMENT PDF

    Download

    651 Ko

  • Press Release July,28,2016

    DOCUMENT PDF

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    523 Ko

  • Infographics of results for the 2nd quarter of 2016

    DOCUMENT PDF

    Download

    329 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results for the 1st quarter of 2016

    DOCUMENT PDF

    Download

    484 Ko

  • Press Release May,10,2016

    DOCUMENT PDF

    Download

    1,021 Ko

2015

Results for the full year

Results for the full year

  • Results for the full-year 2015

    DOCUMENT PDF

    Download

    656 Ko

  • Press Release February,10,2016

    DOCUMENT PDF

    Download

    499 Ko

  • Groupe BPCE – Etats financiers consolidés au 31 décembre 2015 (version non auditée)

    DOCUMENT PDF

  • Groupe BPCE SA – Etats financiers consolidés au 31 décembre 2015 (version non auditée)

    DOCUMENT PDF

    Download

    935 Ko

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

    Download

    848 Ko

  • Press Release November,4,2015

    DOCUMENT PDF

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    444 Ko

Results for the 2nd quarter and 1st half

Results for the 2nd quarter and 1st half

  • Results for the 2nd quarter and 1st half of 2015

    DOCUMENT PDF

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    725 Ko

  • Press Release July,30,2015

    DOCUMENT PDF

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    596 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results First quarter 2015

    DOCUMENT PDF

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    485 Ko

  • Press Release May,6,2015

    DOCUMENT PDF

    Download

    535 Ko

2014

Results for the full year

Results for the full year

  • Results for the full-year 2014

    DOCUMENT PDF

    Download

    849 Ko

  • Press Release February,19, 2015

    DOCUMENT PDF

    Download

    408 Ko

  • Résultats Infographie 2014

    DOCUMENT PDF

  • Etats financiers consolidés du Groupe BPCE au 31 décembre 2014 (Version non auditée)

    DOCUMENT PDF

    Download

    989 Ko

  • Etats financiers consolidés du Groupe BPCE SA au 31 décembre 2014 (Version non auditée)

    DOCUMENT PDF

    Download

    843 Ko

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months

    DOCUMENT PDF

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    438 Ko

  • Press Release 04 november 2014

    DOCUMENT PDF

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    194 Ko

  • Infographie résultats Groupe BPCE 2014 T3

    DOCUMENT PDF

Results for the 2nd quarter and 1st half

Results for the 2nd quarter and 1st half

  • Results for the 2nd quarter and 1st half of 2014

    DOCUMENT PDF

    Download

    489 Ko

  • Press Release July, 31, 2014

    DOCUMENT PDF

    Download

    401 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results First quarter 2014 Groupe BPCE

    DOCUMENT PDF

    Download

    446 Ko

  • Press Release May, 6, 2014

    DOCUMENT PDF

    Download

    418 Ko

2013

Results for the full year

Results for the full year

  • Results for the full year and 4th quarter of 2013

    DOCUMENT PDF

  • Press Release february,19, 2014

    DOCUMENT PDF

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    454 Ko

  • Groupe BPCE – Etats financiers consolidés au 31/12/2013 (version non auditée)

    DOCUMENT PDF

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    1,008 Ko

  • groupe BPCE SA – Etats financiers consolidés au 31/12/2013 (version non auditée)

    DOCUMENT PDF

    Download

    883 Ko

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months of 2013

    DOCUMENT PDF

  • Press Release november,06, 2013

    DOCUMENT PDF

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    194 Ko

Results for the 2nd quarter and 1st half

Results for the 2nd quarter and 1st half

  • Results for the 2nd quarter and 1st half of 2013

    DOCUMENT PDF

  • Press Release August,6, 2013

    DOCUMENT PDF

    Download

    287 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results First quarter 2013 Groupe BPCE

    DOCUMENT PDF

  • Press Release 06 may 2013

    DOCUMENT PDF

    Download

    196 Ko

2012

Results for the full year

Results for the full year

  • Results for the full year and 4th quarter of 2012

    DOCUMENT PDF

  • 17-02-2013 Press Release

    DOCUMENT PDF

    Download

    360 Ko

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months of 2012

    DOCUMENT PDF

  • Press release November, 14, 2012

    DOCUMENT PDF

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    233 Ko

Results for the 2nd quarter and 1st half

Results for the 2nd quarter and 1st half

  • Results for the 2nd quarter and 1st half of 2012

    DOCUMENT PDF

  • Press Release August, 2, 2012

    DOCUMENT PDF

    Download

    234 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results First quarter 2012 Groupe BPCE

    DOCUMENT PDF

  • Press Release May, 9, 2012

    DOCUMENT PDF

2011

Results for the full year

Results for the full year

  • Results for the full year and 4th quarter of 2011

    DOCUMENT PDF

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    935 Ko

  • Press Release February, 23, 2012

    DOCUMENT PDF

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    220 Ko

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months of 2011

    DOCUMENT PDF

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    798 Ko

  • Press Release November, 9, 2011

    DOCUMENT PDF

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    222 Ko

Results for the 2nd quarter and 1st half

Results for the 2nd quarter and 1st half

  • Results for the 2nd quarter and the 1st half of 2011

    DOCUMENT PDF

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    840 Ko

  • Press Release: Results for the 2nd quarter and the 1st half of 2011

    DOCUMENT PDF

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    550 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results First quarter 2011 Groupe BPCE

    DOCUMENT PDF

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    766 Ko

  • Press Release May, 12, 2011

    DOCUMENT PDF

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    182 Ko

2010

Results for the full year

Results for the full year

  • Results for the full year and 4th quarter of 2010

    DOCUMENT PDF

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    771 Ko

  • Press Release February, 23, 2011

    DOCUMENT PDF

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    204 Ko

Results for the 3rd quarter and first 9 months

Results for the 3rd quarter and first 9 months

  • Results for the 3rd quarter and first 9 months of 2010

    DOCUMENT PDF

    Download

    680 Ko

  • Press Release November, 9, 2010

    DOCUMENT PDF

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    203 Ko

Results for the 2nd quarter and 1st half

Results for the 2nd quarter and 1st half

  • Results for the 2nd quarter and 1st half of 2010

    DOCUMENT PDF

    Download

    562 Ko

  • Press Release August, 5, 2010

    DOCUMENT PDF

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    207 Ko

Results for the 1st quarter

Results for the 1st quarter

  • Results T1 2010 Groupe BPCE

    DOCUMENT PDF

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    404 Ko

  • Press Release May, 11, 2010

    DOCUMENT PDF

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    176 Ko

2009

Annual Results

Annual Results

  • Groupe BPCE : Full-year results

    DOCUMENT PDF

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    657 Ko

  • Slideshow Group project

    DOCUMENT PDF

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    340 Ko

  • Faits marquants 2009 (French only)

    DOCUMENT PDF

  • Press Release February, 25, 2010

    DOCUMENT PDF

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    216 Ko

Third Quarter Results

Third Quarter Results

  • Groupe BPCE : Third Quarter Results

    DOCUMENT PDF

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    411 Ko

  • Press Release November, 12, 2009

    DOCUMENT PDF

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    168 Ko

Half-Year Results

Half-Year Results

  • Groupe BPCE : Half-Year Results

    DOCUMENT PDF

  • Press Release August, 26, 2009

    DOCUMENT PDF

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    126 Ko