BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Private Banking Private Banking enjoyed robust momentum in 2018, increasing the number of clients by 5.7% (i.e. over 21,500) and assets under management by +4.9%. Wealthy clients, shareholding company directors and discretionary portfolio management made the biggest contribution to this improvement. Drawing on solid expertise in financial engineering and wealth management for CEOs and shareholding company directors, Private Banking provides a tailored offer for this client base. A multimedia campaign, also aimed at establishing the Banque Populaire Private Banking brand, promoted this offer for the first time. Professional customers Over 1 million professionals are customers of the Banque Populaire banks, which have developed a business partner approach combining financing, services, digital solutions, insurance and employee savings plans with the aim of providing daily support for all their business endeavors. A partnership was entered into with the APCMA (Permanent Assembly for the national network of Chambers of Trade and Small Businesses) in 2018, resulting in a new small business support mechanism called the Pacte Artisan, with a budget of € 1 billion for medium and long-term loans. The Banque Populaire banks also set up a partnership with IFEC, the leading trade union for accountants, with the goal of synergizing their expertise and developing a program to exchange best practices in order to better meet the needs of farmers. Named Best Bank (1 st Place) by Le Monde du Chiffre for the second year in a row, Banque Populaire is still the No. 1 bank recommended by franchisors according to the 15 th annual franchising survey conducted with the French Franchising Under the European Commission’s “COSME–FEIS” program, the Banque Populaire banks and SOCOMAs (1) were backed by the European Investment Fund (EIF) to the tune of € 1 billion for 2017-2018. As a result, they were able to finance the creation, development and acquisition of businesses with loans either calling for no provision of personal collateral at all or for reduced collateral. Thanks to the EIF’s counter-guarantee programs, the Banque Populaire banks and SOCOMAs have already issued loans totaling some € 5 billion to over 129,000 French VSEs. Federation. Financing ●

A new investment advisory service was launched for wealthy clients with high structuring requirements due to the complexity of their wealth and tax situation. Financial savings deposits by Private Banking clients of the Banque Populaire banks totaled nearly € 77 billion. Gross life insurance inflows amounted to € 2.4 billion, with nearly 36% consisting of unit-linked assets.

398,000 clients, +5.7% € 77bn in AuM, +4.9%

New medium and long-term loans were up 1.6% to € 8.2 billion, driven by the success of the Pro digital loan, a single-rate loan requiring neither collateral nor supporting documents that can be taken out very easily online by eligible pre-approved customers. New services ● New innovative offers included Fid Pro, designed to help professional customers expand their business by turning their debit card into a loyalty card. This turnkey digital solution is a tool for rewarding loyalty and conducting targeted marketing campaigns by sending out offers tailored to the customer’s profile by e-mail or text. Banque Populaire also launched a new website, instaletliberal.fr, providing advisory and other services to help self-employed professionals get started. Insurance ● Banque Populaire hit the 130,000 professional customers mark with its retirement and provident insurance solutions, designed with Natixis Assurancess to protect professional customers as well as their employees and families.

1.1 million professional customers 495,000 craftsmen and small retailers 155,300 self-employed professionals 65,300 farmers € 49.4bn in loan outstandings, +5.2%

Crédit Maritime Crédit Maritime has been a leading creditor in the fishing and fish farming industries since 1906. Now part of the Banque Populaire banks located along the coast, Crédit Maritime serves all the “blue” segments of the maritime economy.

SOCOMA (Sociétés de caution mutuelle artisanales) are Mutual Guarantee Companies for the small business sector, having Banque Populaire as an exclusive partner. (1)

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Registration document 2018