BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Natixis Payments Natixis Payments is a payment services provider backed by Groupe BPCE. It offers all public and private economic stakeholders in Europe a full range of payment solutions and services. Through its various entities (especially Natixis Payment Solutions for payment processing solutions, Dalenys and S-money), it is active along the entire value chain, including issuance, acquisition, online payments, e-wallets, prepaid cards and everything in between. Its adaptive, secure products and services draw on more than 30 years of experience in the payments industry and the innovative ability of fintechs that Natixis Payments has created, acquired or selected as partners. The division is divided into three business units: Merchant Solutions, Prepaid & Managed Solutions and Services & Processing. In 2018, Payments generated revenues of € 389 million, up +16%, thanks in part to changes in group structure (consolidation of Dalenys and Comiteo). Natixis Payments has led the way with a series of firsts on the French market: the launch of Samsung Pay mobile payments along with PayLib and Apple Pay ; being the first company to offer Instant Payment, which completes account-to-account payments in 10 seconds; the rollout of contactless ticketing ( i.e. the use of contactless payment cards as tickets) in Dijon's tram system. It signed a partnership agreement with fintech Transferwise that will make it possible for individual customers of the Banque Populaire banks and Caisses d’Epargne to use their mobile banking app to transfer money to more than 60 countries at the best possible exchange rate. This was a first for Europe. Natixis Payments now offers QR code solutions allowing Chinese tourists to pay for purchases in France using their WeChat Pay and

AliPay e-wallets, without needing to use a specific payment terminal. It significantly expanded its Benefits range by acquiring Comitéo, a software platform aimed at works councils and employees; becoming the sole shareholder of Titres Cadeaux, a joint venture co-founded with La Banque Postale in 2006; and developing its fintech Pot Commun’s B2B business. Major brands such as SNCF and Casino have chosen Natixis Payments. In the interest of developing its Personal Mobility Assistant, SNCF Group teamed up with Natixis Payments to offer a single payment solution used by customers to keep informed, make reservations, pay for tickets and validate travel plans in a secure setting all with one app. Similarly, Natixis Payments and Casino group signed an agreement to jointly develop an e-wallet for Cdiscount and integrate Dalenys as one of Cdiscount's payment service provider partners. Starting in early 2019, Cdiscount customers will be able to use an e-wallet for a seamless, enhanced purchasing experience. Finally, Natixis Payments adopted Nexo’s international payment acceptance standards. These free, universally applicable standards make it possible for Natixis to quickly design new services, such as in-flight mobile payment for airlines. 20% of the Payments market in France (1) No. 1 issuer of Visa debit cards in continental Europe 22 million managed cards 7.6 billion mass transactions € 1.2bn in service vouchers issued

Internal analysis (1)

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Registration document 2018