BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Financial Services EuroTitres is the No. 1 custodian for retail and private banking Populaire and Caisse d’Epargne customers, optimized for all institutions in France, with 25% market share (1) . It provides custody screens.

services for Groupe BPCE institutions and other banks, holding some 3.1 million securities accounts, and manages transactions carried out by their individual customers: stock market orders, fund subscriptions, dividend payments, portfolio statements, etc. In 2018, EuroTitres updated its online trading site for Banque Specialized Financing Natixis Financement develops comprehensive revolving and personal loan solutions for the Groupe BPCE networks. The Phenix program was launched in 2018 with the aim of completely overhauling the revolving loan range and providing an all-new customer experience – from application to management – spanning all distribution channels. A debt restructuring mechanism, designed to reprofile customer debt in response to any changes in their financial position, was also made available to the Groupe BPCE networks. Natixis Lease provides a comprehensive range of leasing solutions: non-real estate and real estate leases, operating leases (with or without lease-to-buy option), IT leases and renewable energy financing solutions with Natixis Energeco. Natixis Lease consolidated Bati Lease in 2018. Together, Natixis Lease and its subsidiaries have amassed some 133,000 leases for a total of € 13.1 billion in lease outstandings. Natixis Lease also welcomed two new non-real estate leasing brokers (Banque Populaire du Nord and Crédit Coopératif) and launched a new non-real estate leasing activity in Belgium. Natixis Energeco financed the first floating solar plant in France. In the operating lease market, Natixis Car Lease added two new premium services to its professional customers range. MyCarLease won the top award at the 2018 G20 Strategy & Management Summit (“Marketing and Innovation”), organized by Leaders League: “Best User Experience (UX)”. Natixis Factor develops factoring solutions for companies of all sizes, covering their entire growth process (set-up, development, acquisitions, international expansion, etc.). Factored receivables were up 11% to almost € 59 billion in 2018. New loans: € 12.1bn, +7% Loan outstandings: € 24.6bn

No. 1 in employee savings account administration in France (2) No. 1 custody service provider for retail and private banking institutions in France (1)

In 2018, Natixis Factor launched ProZen, a simple, commitment-free offer for professional customers, along with Libertys for SMEs. It also made a new version of its information and management websites available to potential and existing customers, with more content and simplified transaction processing. Since 2017, Natixis Factor has been the only factoring company to receive certification for its range of customer services from Bureau Véritas. This certification was renewed in 2018, testifying to the untarnished quality of the services provided by Natixis Factor. Its Net Promoter Score improved 6 points to +13. Compagnie Européenne de Garanties et Cautions (CEGC), the only multi-market guarantor in France, offers a broad range of sureties and financial guarantees. In 2018, CEGC guaranteed home loans totaling € 30 billion and provided € 7.9 billion in guarantees to real estate managers (+11%). Business with Caisse d’Epargne and Banque Populaire customers was up +10% and +27%, respectively, in 2018. Banque Populaire retail customers can now take out guarantees for their mortgages online. Natixis Coficiné finances the full range of audio-visual professions (from production through distribution) and operates both in France and worldwide. New loans totaled more than € 520 million and loan outstandings € 925 million in 2018. More than half of 2018 César-nominated films and nearly one-third of nominated and award-winning films at major European festivals were financed by Natixis Coficiné and its Film Industry Financing companies (SOFICA) in 2018. No. 1 in real estate leasing in France (1) No. 2 in home loan guarantees in France (1)

No. 3 in consumer finance (1) and factoring in France (1) No. 1 in film and audio-visual financing in Europe (1)

Internal analysis (1) 27.9% market share, AFG at June 30, 2018 (2)

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Registration document 2018