BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Banque Palatine Banque Palatine has been a private banking institution and the preferred bank of ISEs (1) and their Management for more than 230 years, developing relationships rooted in advisory services with the aim of providing bespoke, high value-added solutions.

More than 12,000 corporate customers

€16.3bn in deposits and savings

63,500 private banking customers 1,232 employees 48 branches

€9.1bn in loan outstandings €4.3bn in assets under management

In 2018 Banque Palatine launched its new strategic plan, Envol ● 2018-2020, at a convention attended by all 1,232 employees. The plan identified five strategic objectives: accelerating development and adapting the distribution model, improving operational efficiency, capitalizing on human resources and targeting excellence, furthering the Bank’s engagement in society, and developing intragroup synergies. Its goals for 2020 are to expand its range of high-end ISE and private banking services, and to onboard more company directors by establishing a strategic dialog encouraging more customers to choose Banque Palatine for both their personal and professional banking needs. At the same time, it plans to continue its modernization and digital transformation initiatives in an effort to improve the relationship banking experience. To that end, the migration to the Banque Populaire information system will enhance efficiency and pave the way for the development of more digital services. Banque Palatine also plans to invest even more in human resources, with a focus on upskilling for greater customer satisfaction.

The Bank underscored its engagement in society by launching ● “Fondation Palatine des ETI, Mécènes ensemble”, a program included in the strategic plan established in partnership with Mouvement des entreprises de taille intermédiaire (METI), and placed under the aegis of Fondation Entreprendre, calling on ISEs and their managing executives to pool their resources in favor of social inclusion initiatives. In doing so, Banque Palatine aims to cultivate a spirit of cooperation with its customers in service of the greater good. Banque Palatine launched a campaign to increase its appeal as ● an employer and attract talented people to further its strategy. It also forged ahead with its digital transformation to modernize the working environment for its employees while continuing to improve the quality of life at work. The Bank entered into a Strategic Workforce Planning agreement aimed at providing personalized support to employees for job and career changes, promotions and internal/external transfers.

CORPORATE CUSTOMERS AND SPECIALIZED BUSINESS LINES Banque Palatine enjoyed strong sales momentum with corporate customers and in its specialized business lines in 2018, gaining over 300 (2) new core target customers.

the digital transformation of SMEs and ISEs with a range of support and financing solutions. Banque Palatine also served as a partner of TheCamp program in Aix-en-Provence, organized by METI, bringing executive managers together to co-build the digital transformation guide for ISEs, submitted to the government authorities in early 2019.

It significantly expanded its loan syndication and arrangement services for ISEs under its asset light strategy. It also rounded out its offer with arrangement and co-financing deals ranging from € 6 million to € 15 million, and partnered with Bpifrance to support PRIVATE BANKING CLIENTS The private banking client base grew 9% (2) in 2018. A new private banking segmentation (100-100) was initiated in a bid to attract high-end clients, one of the key objectives of the Envol 2018-2020 strategic plan. Its core target segment consists of clients with at least € 100,000 in assets or more than € 100,000 in net income per household.

Rolled out in November 2018 in partnership with Harvest, the O2S tool fully digitized the investment advisory process for Banque Palatine clients. Palatine was the first bank to launch a prepaid multi-currency MasterCard, Palatine First, developed with fintech PayTop.

Intermediate-Sized Enterprises (1) Vs. 12/31/2017 (2)

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Registration document 2018

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