BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE

Groupe BPCE: committed to serving its customers and the economy

Groupe BPCE: committed to serving 1.1 its customers and the economy

Groupe BPCE conducts all banking and insurance businesses through its two main cooperative networks – the Banque Populaire banks and the Caisses d’Epargne – and their subsidiaries.

Natixis’ Asset & Wealth Management division develops investment solutions tailored to different customer bases, drawing on global asset management expertise. Its activities meet the savings, investment, risk management and advisory needs of retail and institutional clients. The Corporate & Investment Banking division advises and serves corporates, institutional investors, insurance companies, banks and public sector entities. It offers them a diversified range of solutions, both on the capital markets and in terms of financing and transaction banking services. The Corporate & Investment Banking division operates in all major financial centers via three international platforms: North & South America, Asia-Pacific and EMEA (Europe, Middle East, Africa).

Groupe BPCE, the second largest banking group in France (1) with its two leading brands, Banque Populaire and Caisse d’Epargne, has established extensive regional roots. Its 105,000 employees serve 30 million customers, including 9 million cooperative shareholders. The Group’s companies adapt their banking and insurance business as closely as possible to the needs of individuals and local areas. Groupe BPCE offers its customers a full range of products and services, including deposits and savings, placement, payment, financing, insurance and investment solutions. In keeping with its cooperative structure, the Group builds long-term relationships with its customers and helps them achieve their goals, and as such finances more than 20% (2) of the French economy. Groupe BPCE’s product and service offer is expanded by its subsidiaries, both in France and internationally.

KEY FIGURES - GROUPE BPCE ➡

9

30

105,000 >20%

million cooperative shareholders

million customers

employees

of loans to the French economy (2)

Market share: 21.5% of on-balance sheet customer deposits & savings and 21.1% of customer loans (source: Banque de France Q3 2018 – all non-financial customers combined). (1) 21.1% market share in loan outstandings, all non-financial sector customers combined (source: Banque de France Q3 2018). (2)

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Registration document 2018