BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Social and solidarity-based economy (SSE) The social and solidarity-based economy enjoys strong demand, driven by the aging of the population, the regional energy transition and the sharing economy. The social entrepreneur segment is attracting a new generation of talented individuals, often proposing highly innovative projects. Caisse d’Epargne has boosted its market share of loans in this segment over the last 18 months, and has strengthened its ties with these movements and with incubators for social/environmental impact companies in a bid to provide them with more support. In 2018, Caisse d'Epargne entered into a partnership with La Ruche, a network of social innovation incubators, focusing its support on Protected persons Caisse d’Epargne offers extensive support to persons under legal guardianship or supervision and dependent adults living at home. Nearly half of all protected persons in France have chosen Caisse d’Epargne for their banking needs. 150 specialized advisors are on-hand to assist family representatives and legal guardians. Dedicated to helping protected persons achieve banking independence, Caisse d’Epargne offers a variety of solutions including the secure withdrawal card, Nomea . Its expertise in this Public sector Caisse d’Epargne is a major partner of local authorities and public healthcare institutions, providing them with a comprehensive range of solutions (everyday banking, cash management, bridging loans, financing). It receives funds from the European Investment Bank to finance projects supported by Europe at subsidized rates, and relies on Natixis to provide payment, leasing, financial engineering and public-private partnership solutions. In 2018, the strict financial oversight and poor visibility of local authorities – pending an overhaul of local tax legislation – adversely impacted investment loans in the segment. Meanwhile, competition grew even more heated. New loans amounted to € 2.7 billion. Caisse d’Epargne develops advisory and financial engineering services, and helps local authorities with their digital transformation by offering services that simplify their Social housing and semi-public entities As longstanding partners of social housing organizations, having established relations with 88.7% of social housing operators (3) , the Caisses d’Epargne are well-versed in meeting the needs of this segment, from everyday banking to financing and investment solutions. In 2018, the reduction of solidarity-based rent (associated with the cut in personalized housing aid) affected credit flows and origination of MLT loans.

programs such as Les Ambitieuses, dedicated to accelerating the development of “Tech for Good” companies run by women. In conjunction with subsidiary E-cotiz, Caisse d’Epargne launched full-digital solution Espace Asso, which simplifies the management of associations and athletic clubs: memberships, event sign-ups, membership fees, participation fees and donations paid online by members. 19,000 corporate and institutional customers No. 1 in SSE financing, with 19.37% market share (1) € 766m in new MLT loans field is widely recognized; as a result, it actively participates in the national effort to establish new rules promoting the independence of vulnerable adults. No. 1 bank for persons under legal guardianship/supervision and dependent adults living at home (2) 317,000 customers € 8.8bn in managed deposits and savings management, and is strengthening its ties with small and medium-sized local authorities. The new Rénov Patrimoine loan is geared toward projects aimed at refurbishing the heritage assets of small towns and villages. Passengers can simply use a contactless debit card to pay for the tram in Dijon, a brand-new initiative in France launched in conjunction with Dijon Métropole. Caisse d’Epargne arranged the financing, under a public delegation contract, of the new wastewater treatment company serving the seven townships (communes) in the Bassin de Thau. It is also financing the new public hospital in Limoges. It is the bank funding the renovation of the Grand Palais in Paris, in preparation for the 2024 Olympic and Paralympic Games. With € 48.3bn in loan outstandings, Caisse d’Epargne ranks No. 1 in public sector financing.

Caisse d’Epargne is also the No. 2 private-sector operator in the social housing market along with Groupe Habitat en Région. It comprises the majority of major social housing companies (Erilia, SIA Habitat, Logirem, Un Toit Pour Tous, Axentia), in addition to more locally-based companies managing a total of 164,000 homes.

Banque de France, Scope: ISBLM (non-profit institutions providing non-retail services to households), Q3 2018 (1) French Ministry of Justice, December 2017 (2) Internal analysis, 2018 (3)

21

Registration document 2018