BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE

Performance of Groupe BPCE – Key figures 2018

Performance of Groupe BPCE – Key 1.5 figures 2018

Recurring, diversified revenue base GROUPE BPCE – SUMMARY INCOME STATEMENT ➡

2018

2017

2016

in millions of euros

Net banking income

24,001 6,314 73.7% 1,299 5,297 3,026

23,720 6,621 72.1% 1,384 5,516 3,024

24,158 7,485 69.0% 1,423 6,370 3,988

Gross operating income

Cost/income ratio

Cost of risk

Income before tax

NET INCOME ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT

BUSINESS LINE CONTRIBUTION TO GROUPE BPCE NBI (1) ➡ IN 2018 (AS A %)

BUSINESS LINE CONTRIBUTION TO GROUPE BPCE ➡ INCOME BEFORE TAX (1) IN 2018 (AS A %)

Retail Banking & Insurance: 65% o/w

Retail Banking & Insurance: 71% o/w

Specialized Financial Services: 7%

Networks: 52%

Specialized Financial Services: 6%

Networks: 62%

Insurance: 6%

Insurance: 3%

15%

14%

Corporate & Investment Banking

Corporate & Investment Banking

15%

20%

Natixis Business lines: 38%

Natixis Business lines: 48%

Asset & Wealth Management

Asset & Wealth Management

Excluding the Corporate center. (1)

11

Registration document 2018