BPCE - 2019 Universal Registration Document

PRESENTATION OF GROUPE BPCE

GROUP HISTORY

A CHANGING GROUP: • Purchase of a 50.1% stake in Oney Bank

2019

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• Talks between Groupe BPCE and La Banque Postale: plan to establish a top-tier European asset manager specializing in insurance-related asset management with LBPAM and renewed partnership with CNP Assurances A STREAMLINED GROUP: integration of Crédit Foncier’s activities and expertise and integration of Natixis Specialized Financial Services into BPCE SA Groupe BPCE is the first Premium Partner of the Paris 2024 Olympic and Paralympic Games

2018

Groupe BPCE signs the Principles for Responsible Banking

Caisse d’Epargne Grand Est Europe established

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 towards customers, employees and cooperative shareholders, and Growth in all its core businesses Two new regional bank mergers completed: creation of Caisse d’Epargne Hauts de France and Banque Populaire GrandOuest

2017

Two regional bank mergers completed: creation of Banque Populaire Méditerranée and Banque Populaire Auvergne Rhône Alpes The strategic plan for 2014-2017, “Another way to grow”, is focused on development and transformation, with the goal of constantly striving to better meet the expectations and needs of customers, while affirming the Group’s difference as a cooperative banking structure Natixis sets up a single insurance division, enabling the Group to become a fully fledged bancasseur

2016

2014

The first strategic plan, “Together”, mobilizes all Group entities to become the preferred banks of the French people and their companies

2010

GROUPE BPCE ESTABLISHED FROMTHE MERGER OF GROUPE BANQUE POPULAIRE ANDGROUPE CAISSE D’EPARGNE

2009

GROUPE BANQUE POPULAIRE AND GROUPE CAISSE D’EPARGNE TAKE THE FIRST STEP TOWARDS A BUSINESS COMBINATION, WITH THE CREATIONOF THEIR JOINTLY-OWNED SUBSIDIARY, NATIXIS.

2006

2004 By purchasing CDC Ixis, the Groupe Caisse d’Epargne branches out into investment banking

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

1998

The Caisses d’Epargne become cooperative banks

1999

The Banques Populaires open their services to individual customers

1962

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

1983

The Banques Populaires rapidly become major players in their regional economies , serving craftsmen, small retailers and SMEs

1917

The Caisses d’Epargne conduct operations of general public interest

1895

THE FIRST BANQUE POPULAIRE IS ESTABLISHED. The Banques Populaires were founded by and for entrepreneurs to help them finance their development plans

1878

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

1835

THE FIRST CAISSE D’EPARGNE IS FOUNDED to promote, collect and manage general public savings

1818

BANQUE POPULAIRE

CAISSE D’EPARGNE

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE