BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Banque Populaire banks Cooperative banks founded in 1878 by and for entrepreneurs, the Banque Populaire banks serve enterprising customers on the path to success. As the No. 4 banking network (1) in France with 12 regional Banque Populaire banks and two national affiliated banks (CASDEN Banque Populaire and Crédit Coopératif), together they hold the leading position among small and medium-sized enterprises (2) and are No. 2 among craftsmen and small retailers (3) . In 2018 The Banque Populaire banks consolidated their sales momentum, ● furthered their digital transformation and built up even closer relations with their customers. With their new brand territory and new tagline (“success is in ● you”), now more than ever they are positioned as partners for Individual customers 93,300 new customers chose Banque Populaire as their primary bank in 2018, a year-on-year increase of +2.5%. In 2018, the Banque Populaire banks launched the Pack Famille (Family Pack), the first banking products and services package in France targeting families interested in effectively managing their daily budget, and rolled out a comprehensive mobile payment offer with Samsung Pay , Paylib and Apple Pay . In partnership with PEPITE France, the No. 1 national network for student entrepreneurs, they created Pépite Factory, a non-profit that provides legal and financial assistance to students creating start-ups. The new secure identification solution, Sécur’Pass, launched on the Banque Populaire mobile app, helps customers save time and complete their transactions independently anywhere, anytime. In yet another digital step forward, customers can take out consumer loans and home loans online. New lending activity also CASDEN Banque Populaire A cooperative bank serving all public-sector workers, CASDEN Banque Populaire has the ambition of becoming the primary bank of one in four civil servants. To reach this goal, it has adopted a unique model – the Points system – and is relying on the loyalty-driven strategy that secured its success with the personnel in the National Education system. In 2018, the bank rolled out a new brand territory highlighting the value of civil service personnel and their commitment to serving the community, entered into several partnerships with public-sector organizations, set up over 2,200 public-sector meetings at public-sector institutions and launched a new, highly attractive sponsorship offer (“Reco CADSEN”). Together, these

14 Banque Populaire banks €265.7bn in deposits and savings 4.4 million cooperative shareholders €209bn in loan outstandings 9.3 million customers 30,807 employees €6.4bn in net banking income

enterprising customers on the path to personal or professional success.

Loan outstandings rose 6% and deposits and savings 2%. ●

remained strong in 2018, with loan outstandings up +8.1% for both categories. Provident and health insurance policies also enjoyed robust momentum, climbing +2%. The Entretien Epargne Conseil service has proved to be a widespread success. All advisors have been trained in this new approach to financial savings, aimed at providing customers with optimal allocation proposals suited to their investor profile and objectives. € 27.5bn in new loans € 159.1bn in deposits and savings, +3.5% 175,000 new provident and health insurance policies

€ 130.4bn in loan outstandings, +8.1% 327,000 new non-life insurance policies

initiatives earned CASDEN Banque Populaire 117,000 new cooperative shareholders. In October 2018, CASDEN simplified the Points system: there is now just one type of point awarded – the CASDEN Point – giving cooperative shareholders access to the lowest rates. Home loans can now be obtained online, and new services were added to the CASDEN mobile app. In terms of Group synergies, CASDEN, the Banque Populaire banks and Natixis Financement joined forces to ramp up origination of CASDEN consumer loans (set to begin in late 2019). 1.8 million cooperative shareholders at December 31, 2018

Internal analysis based on 2017 data (1) 2017 Kantar TNS survey (2) 2017-2018 CSA Pépites survey (3)

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Registration document 2018