BPCE - 2018 Registration document

2 NON-FINANCIAL PERFORMANCE REPORT

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SUMMARY OF MICROLOANS (1) WITH SUPPORT ISSUED BY GROUPE BPCE ➡

New loans in 2018

New loans in 2017

New loans in 2016

Change 2017-2018

Number

Amount

Type of loan (in euros)

Number

Amount

Number

Amount

Number Amount

Personal banking microloans Personal non-banking microloans Secured professional banking microloans, o/w guaranteed by France Active

5,361 14,965,587 1,507 5,004,572

5,790 15,251,697 1,273 3,860,942

5,554 14,259,435 1,708 4,728,101

(7%)

(2%)

18% 30%

2,407 71,749,351

1,984 65,141,491

2,141 63,420,429

21% 10%

Professional non-banking microloans

5,487 20,267,971

4,664 17,056,621

5,233 18,445,997

18% 19%

GROUPE BPCE TOTAL (INCL. CAISSES D’EPARGNE, BANQUE POPULAIRE BANKS, CRÉDIT COOPÉRATIF)

14,762 111,987,481

13,711 101,310,751

14,636 100,853,962

8% 11%

The microloan business of the Banque Populaire banks and the professional solidarity-based loans with support, it held one-third of Caisses d’Epargne has ranked Groupe BPCE as the leading French bank the market, i.e. 14,261 loans in a stable customer base of roughly in terms of microloans with support, recording 14,762 microloans for 40,000 borrowers (financial center survey – France Stratégie 2014). a total of € 112 million. In the secured personal microloan segment, The Group confirmed its leadership in 2018, issuing € 535.7 million in the Group held 33% market share at end-2018 (source: 2017 social financing to 21,129 borrowers. cohesion fund report). In the broader segment, including other

➡

GROUPE BPCE NACRE TOP-UP LOANS (2)

New loans in 2018

New loans in 2017

New loans in 2016

Change 2017-2018

Number

Payments

Issuing network (in euros) GROUPE BPCE TOTAL (1)

Number

Payments

Number

Payments

Number Payments

1,109 40,018,577

1,611 56,646,749

2,819 95,835,873

(31%)

(29%)

Including the Caisses d’Epargne, the Banque Populaire banks and Crédit Coopératif (1)

In 2018, Groupe BPCE granted € 40 million in top-up loans to public aid, but the Group consolidated its market share at 35.7% of entrepreneurs benefiting from the “NACRE” scheme ( Nouvel the total amount of issued loans. It bolstered its position as the No. 1 Accompagnement à la Création et à la Reprise d’Entreprise – new banking partner of platforms run by Initiative France, which support mechanisms for business creation). The steep drop compared estimates (3) that it distributed more than € 383 million in top-up loans to 2017 reflected a change in structure with the regionalization of to supplement start-up loans in 2018.

TOP-UPS FOR START-UP LOANS PROVIDED BY INITIATIVE FRANCE (ESTIMATE AT JANUARY 30, 2018) ➡

New loans in 2018

New loans in 2017

New loans in 2016

Change 2017-2018

Number

Payments

Issuing network (in euros) GROUPE BPCE TOTAL (1)

Number

Payments

Number

Payments

Number Payments

5,268 383,697,072

5,015 (2) 366,266,977 (2)

5,123 336,187,854

5% 5%

Including the Caisses d’Epargne, the Banque Populaire banks and Crédit Coopératif (1) The estimated 2017 figures published in the 2016 registration document have been updated with the actual 2017 figures. (2)

Microloans: loans issued to borrowers in vulnerable situations covered by a guarantee and supported by a public interest organization. Caps on funds issued as established by the Lagarde Act (1) of July 1, 2010. France Active - Fafi (2) Data provided by Initiative France based on the information reported by 227 network platforms. The survey is available from late December to mid-February, and the data collected pertain to (3) the full year (from January 1 to December 31, 2018).

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Registration document 2018