BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE History

History 1.2

2024 2018

Groupe BPCE is the first premium partner of the Paris 2024 Olympic and Paralympic Games

Several restructuring operations initiated:

2017

• Plans to incorporate Crédit Foncier’s activities and teas into the Group;

Groupe BPCE launches “TEC 2020”, the strategic plan for 2018-2020: a combination of Digital Transformation in order to seize opportunities created by the ongoing technological revolution, Engagement toward the Group’s customers, employees and cooperative shareholders, and Growth in all its core businesses.

• Plan for Natixis to sell its Factoring, Sureties & Financial Guarantees, Leasing, Consumer Finance and Securities Services business lines to BPCE, scheduled to take place by the end of Q1 2019. 2018 also saw the completion of the merger between Caisse d’Epargne d’Alsace and Caisse d’Epargne Lorraine Champagne- Ardenne, giving rise to Caisse d’Epargne Grand Est Europe.

Ongoing mergers between regional banks:

• Caisse d’Epargne Hauts de France established from the merger of Caisse d’Epargne Picardie and Caisse d’Epargne Nord France Europe;

• Banque Populaire Grand Ouest established from the merger of Banque Populaire Atlantique and Banque Populaire de l’Ouest.

2016

Two regional bank mergers completed:

2015

• Banque Populaire Méditerranée established by the merger of Banque Populaire Côte d’Azur, Banque Populaire Provençale et Corse and Banque Chaix; • Banque Populaire Auvergne Rhône Alpes established from the merger of Banque Populaire des Alpes, Banque Populaire Loire et Lyonnais and Banque Populaire du Massif Central.

Groupe BPCE calls on Natixis Assurances to design and manage all savings and pension funds distributed by the Caisse d’Epargne network as of January 1, 2016.

2014 2013

Groupe BPCE and CNP Assurances sign a memorandum of understanding laying down the terms of implementation of the renewed partnership as from January 1, 2016.

The strategic plan for 2014-2017, “Another way to grow”, focuses on development and transformation, centered on the goal of constantly striving to better meet the expectations and needs of customers, while affirming Groupe BPCE’s difference as a cooperative banking structure.

2010

The first strategic plan for 2010-2013, “Together”, mobilizes all our entities to become the preferred bank of the French people and their businesses.

2009 : Groupe BPCE established from the combination of Groupe Banque Populaire and Groupe Caisse d’Epargne.

2006

Groupe Banque Populaire and Groupe Caisse d’Epargne take the first step towards a business combination, with the creation of their jointly-owned subsidiary, Natixis.

2004

By purchasing Ixis, the Group branches out into investment banking.

1999

The Caisses d’Epargne become cooperative banks.

1998

1983

The acquisition of Natexis provides Groupe Banque Populaire with a publicly listed vehicle.

The Caisses d’Epargne qualify as non-profit credit institutions.

1962

1895

The Banque Populaire banks open their services to individual customers.

The Caisses d’Epargne conduct operations of general public interest.

1917

The Banque Populaire banks rapidly become major players in their regional economies, serving craftsmen, small retailers and SMEs.

1835

The Caisses d’Epargne are recognized as “private institutions of public utility”.

1878

1818

The first Banque Populaire bank is established in Angers, by and for entrepreneurs, the goal being to pool funds to fund their own development plans.

The first Caisse d’Epargne is founded in Paris to promote, collect and manage general public savings.

BANQUE POPULAIRE

CAISSE D’EPARGNE

5

Registration document 2018