manages part of the foreign exchange reserves of the ECB. Financial steadiness The Bank of France is responsible for overseeing the French financial sector, through its subsidiary ACPR (Autorité de Contrôle Prudentiel et de Résolution). It assesses risks and weaknesses of the financial system (in 2018, the French financial sector is composed of 777 banks and 827 insurance and mutual insurance companies). It also monitors payment systems and means, and publishes the Financial Stability Review (Revue de la Stabilité Financière). Services to the economy The Bank of France provides services to households, businesses and the French state. Households The Bank of France is in charge of offering services households in severe financial difficulty. This includes the management of over-indebtedness (one of the major tasks of the local branches of the bank), and the guarantee to an access to basic banking services for everyone, such as the right to a basic bank account. It is also in charge of financial and economic education of the general public, by developing an economic culture among specific populations (like youngsters and households in severe financial difficulty). This includes sensitizing high school students, providing online information and educational services, training social workers and the launch of the French Cité de l'économie et de la monnaie (Citéco), a museum based in the 17th district of Paris, in 2019. Businesses The Bank of France provides company ratings for non-listed companies, which can for instance be used by business leaders to obtain credit from their bank. It also manages credit mediation (mediation between companies and their banks, their credit insurers, etc.) and proposes support to very small businesses (advice for their development and needs). The Bank of France publishes a number of economic surveys, national and regional statistics, destined to businesses. Governance The governor of the Bank of France is appointed by the president and is, as of 2019, François Villeroy de Galhau, since 1 November 2015. He presides over the Bank's General Council, the body responsible for deliberating on all matters relating to non-Eurosystem activities. The first deputy governor is Denis Beau and the second deputy governor is Sylvie Goulard. Key figures In 2019, the main key figures of the Bank of France are as follows: Number of full-time employees: 9,857 Regional branches: 95 Profit before tax : 6.5 billion euros Dividend distributed to the French state : 6.1 billion euros Gold reserves: 106.1 billion euros Gold