BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

The Habitat en Région network hosts additional operators with a total of 33 members: social housing companies, intermediate housing operators, semi-public real estate companies. Together, they house approximately 570,000 people in 268,000 homes. The ELAN Act imposed a minimum size restriction on lessors, facilitated the establishment of HLM (modest-income housing) groups based on the mutualist model, and encouraged sales of HLMs under the low-income home ownership program. Habitat en Région is eager to take part in this movement, with the goal of bringing multiple HLMs on board its network by 2021.

As of 2018, there are more than 1,300 Local Public-Sector Enterprises in France, thanks to the expansion of the environmental, network, tourism, culture and leisure sectors. Caisse d’Epargne is the primary bank for 62% of Local Public-Sector Enterprises (1) , investing alongside local authorities in renewable energy, water and waste treatment, transportation, digital infrastructures and major tourism projects. € 1.9bn in new loans € 10.2bn in loan outstandings € 2.6bn in inflows

Fédération des EPL, 2017 (1)

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Registration document 2018