BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Professional customers After a record-setting 2017, Caisse d’Epargne generated new investment loans totaling € 3.4 billion (including leases), an increase of +8.5% driven by the launch of the Digital pro loan. Eligible customers can apply for and obtain the Digital pro loan online, without supporting documents or collateral. The EPS fleet was expanded by 13%, fueled by BoostFid, a new customer loyalty solution packaged with the payment terminal. By turning the debit card into a loyalty card, BoostFid allows retailers to reward customer loyalty and facilitates the organization of targeted marketing campaigns. Another new service: Facturea ProZen, a simplified à la carte factoring solution, with no commitments in terms of length of contract or factored receivables. Operating leases for professional vehicles and employee savings contracts can now be obtained fully online. Over 5,500 employee savings contracts were taken out in 2018. Corporate customers The Caisses d’Epargne serve more than 28,000 corporate customers. An additional 4,440 joined the bank in 2018, which saw new short-term loans climb 29% and new MLT loans 24%. A counter-guarantee agreement was signed with the European Investment Fund under the European InnovFin program. The € 200 million budget reserved for the Caisses d’Epargne will be used to better serve SMEs under the Neo Business program for innovative companies. Just a year and a half after it was launched, Neo Business already had 50 Innovation CRMs and had entered into over 100 regional and national partnerships. A new digital services platform accessible from transaction website CEnet makes it easier for customers to sign up for and manage a selection of services offered to corporates by Group entities. Financial Engineering Private equity investments, disposals, acquisitions, business transmissions, mergers, structured financing: the Caisses d’Epargne provide these services and more on a daily basis to public and private-sector entities nationwide. The bank invests in private equity through 17 regional structures and a national fund, Caisse d’Epargne Développement. It has established partnerships with advisory firms with the aim of providing better support to company directors. The Caisses d’Epargne are adept at helping their corporate customers at key Real estate professionals The Caisses d’Epargne offer financing and guarantees for all types of projects. They also work alongside regional real estate developers to invest capital through special-purpose entities. In 2018, they participated in major industry trade fairs and events and, despite a slightly less supportive environment, managed to

Always determined to encourage entrepreneurs, Caisse d’Epargne expanded its partnerships with certified accountants and support networks, and confirmed its staunch support of female entrepreneurs with its new program # FemmesDeTalent . Thirty special officers were appointed at the regional Caisses d’Epargne to provide active support to networks dedicated to aiding women in business, such as Les Premières, Action’elles, Génération startuppeuses and Force Femmes, with the goal of issuing 1,000 Prêts décollage pro interest-free loans to female entrepreneurs by 2020. 375,200 professional customers, +3% € 12bn in MLT loans, +8.2% 5,500 employee savings contracts 9,330 new PRO non-life insurance policies

International services were also expanded: the yuan was added to the offer, and corporates can use the Connector network to manage international payment processing flows. Finally, Caisse d’Epargne initiated an innovative system for measuring customer satisfaction and interacting with corporate customers: customers are asked, by e-mail or text, to complete a questionnaire and offer suggestions after each appointment with their advisor.

28,200 corporate customers € 6.5bn in MLT loans, +24% € 115bn in payment processing flows, +11.6%

points in the development of their business, which sets them apart from their competitors. The Caisses d’Epargne cover the various segments of the structured financing market: syndicated corporate loans, LBOs, acquisition financing, renewable energy financing, public-private partnerships and asset financing. With 160 arrangement mandates totaling nearly € 3 billion in arranged debt (o/w 29% in renewable energy and 34% in LBOs and acquisition financing), the Caisses d’Epargne are major players in regional structured financing.

sharply increase their new lending activity. Short-term loan outstandings grew 35.8% to over € 2.9 billion, while MLT outstandings rose 11.5% to € 6 billion.

€ 4bn in new short-term loans, +25% € 1.8bn in new MLT loans, -1%

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Registration document 2018