BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Caisses d’Epargne The Caisses d’Epargne have been innovating since they were founded in 1818, always with the goal of serving all customers equally, while reconciling individual interests and the greater good. The 15 Caisses d’Epargne are cooperative banks, forming the No. 2 banking network in France. They support their customers in all their endeavors and are a major partner to public and private-sector players in regional economic and social development: corporates, local authorities, social and solidarity-based economy, social housing and the hospital sector. In 2018 A major regional bank was established from the merger of Caisse ● d’Epargne d’Alsace and Caisse d’Epargne Lorraine Champagne-Ardenne: Caisse d’Epargne Grand Est Europe, serving 1.7 million customers, including 436,000 cooperative shareholders. Individual customers More than 60,000 individual customers chose Caisse d’Epargne as their primary bank in 2018, thanks in part to its ever-expanding digital offer. Ranked in the Top 3 preferred mobile banking apps by internet users (1) , Caisse d’Epargne launched Enjoy in 2018, a full-mobile digital banking offer including an account and debit card for € 2 a month, plus access to financing, savings and insurance solutions under the guidance of an Enjoy advisor. Now more user-friendly and complete, the mobile app allows customers to manage their debit card by activating features such as online/remote payment and card blocking. Samsung Pay was also added to the Paylib and Apple Pay mobile wallet services. The Sécur’Pass secure identification service simplifies wire transfers and instantly authorizes SEPA credit transfers. Additional digital advances in 2018 included the launch of the dynamic-encryption card (which automatically changes the 3-digit Private Banking Caisse d’Epargne Private Banking has developed a range of products and solutions tailored to the diverse profiles and objectives of private banking clients. It offers access to a broad and diversified range of investments, notably through Natixis Investment Managers, providing Caisse d’Epargne customers with access to the expertise of 26 asset management companies all around the world. Caisse d’Epargne welcomed over 9,500 new wealth management clients in 2018 while further expanding its specialized teams: 1,800 in-branch wealth management advisors, 800 private banking CRMs, 100 private bankers working exclusively with the wealthiest clients, 50 wealth management engineers and around 20 portfolio managers handing portfolio management mandates. A new service was rolled out, Entretien Épargne Personnalisé, including an in-depth wealth management review with an expert advisor, and Caisse d’Epargne offered smart advisor MoneyPitch to

15 Caisses d’Epargne

€418.4bn in deposits and savings

4.6 million cooperative shareholders

€270.3bn in loan outstandings

19.2 million customers 35,001 employees

€7bn in net banking income

Caisse d’Epargne stepped up its digital transformation efforts ● and celebrated its 200-year anniversary with a series of local initiatives promoting its commitment to serving its customers (“Vous être utile”). Loan outstandings rose 6.2% and deposits and savings 1.4%. ●

card verification code every 45 minutes for greater security), a new consumer loan simulator, online car leasing with “lease-to-own” option, and online applications for home loans and payment protection insurance. Caisse d’Epargne also conducted an awareness-raising campaign, including a TV commercial reminding the public that it grants the same lending conditions to everyone, including students and apprentices. It also launched a new, highly flexible motorcycle/scooter insurance offer designed to fit the budgets of young adults.

€ 157.2 bn in loan outstandings, +6.9% € 338.7bn in deposits and savings, +2% € 11.1bn in life insurance inflows A portfolio of 5 million non-life insurance policies

all private banking clients. MoneyPitch aggregates all of a client’s financial data (savings and deposits, loans, investments, pensions, provident insurance, transmission of wealth, taxes, etc.) and provides tailored investment advice. Its publisher, Harvest, was named Best Software Publisher by Gestion de Fortune for the eighth year running in 2018. Caisse d’Epargne also stepped up its communication initiatives, holding webconferences on current events in wealth management and taxes. During its bicentennial celebrations, the bank published a special edition of Vision Patrimoine magazine exploring what the future holds for the wealth management industry. No. 2 in France (2) 1.2 million wealth management clients, +1.9% 440,000 private banking clients, +2.3% € 122bn in assets under management, +2.5%

Net Observer survey, Harris interactive, spring 2018 (1) Xerfi/Precepta survey, June 2017 (2)

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Registration document 2018