BPCE - 2019 Universal Registration Document

PRESENTATION OF GROUPE BPCE

GROUPE BPCE’S BUSINESS LINES

CORPORATE AND INSTITUTIONAL CUSTOMERS Banque Populaire was once again the No. 1 bank of SMEs in France, according to the Kantar 2019 survey (1) , the leading SME-SMI banking penetration survey on the market. According to Kantar, 43% of SMEs-SMIs are Banque Populaire customers. In 2019, a new tablet app called A lliance Entreprises was rolled out, allowing Banque Populaire account managers to share digital content with their customers and to conduct side-by-side customer appointments. Dialog is improved by having a comprehensive view of the customer’s data on hand. International The Banque Populaire banks and BPI France strengthened their cooperation by entering into a partnership agreement to promote the international development of French SMEs and ISEs. This agreement formalized the implementation of joint initiatives and enhanced technical/financial resources aimed at opening up new growth prospects for corporate customers. The Banque Populaire banks assist their customers with all international plans, with more than 60 dedicated specialists in the regions working to assemble solutions while also capitalizing on the subsidiaries of Groupe BPCE (Natixis, CASDEN CASDEN furthered its development, achieving its goal of becoming the leading bank in the civil service sector. In 2019, it stepped up its strategy of establishing partnerships with civil service organizations (fire departments, national police force, prefectures (Ministry of the Interior), Ministry of the Economy and Finance, etc.). Since it was opened to all civil servants in late 2015, CASDEN has succeeded in gaining more than 584,000 new cooperative shareholders, including 134,000 in 2019, with 70% from the civil service sector (excluding the National Education system). CRÉDIT COOPÉRATIF As the leading bank serving the social & solidarity-based economy and engaged citizens, Crédit Coopératif organized a series of six events with the French in 2019 with the theme “My bank and me”, in a bid to better understand their expectations and meet their needs. This type of event will help the bank expand its strategic plan in the future. In terms of innovation, Crédit Coopératif deployed Apple Pay and Samsung Pay for the individual customer base. It continued renovating its sales network, with a preference for welcoming spaces and improved accessibility for disabled persons, and opened business centers in Grenoble, Sarlat, La Rochelle, Nantes, Nancy, Pau and Valence. Specializing in financing solutions for the operation of construction and public works groups, Crédit Coopératif subsidiary BTP Banque, with a network of 42 business centers, celebrated its 100 th anniversary in 2019.

Pramex) and its partners (Stratexio, Connector, Coface and now BPI France) to meet all customer needs. Financial Engineering The Banque Populaire banks have expanded their financial engineering expertise. In 2019, they advised more than 80 CEOs on their strategic operations (disposals, acquisitions, capital increases), were selected as lead arranger by 100 SMEs primarily to fund acquisitions, and own 450 stakes in regional SMEs. The 80 employees of Banque Populaire Financial Engineering advise and support CEOs during the key milestones of their corporate development. The brand expanded its presence among CEOs and expert clients with a dedicated financial engineering website, a new Buyers base, communication campaigns and targeted partnerships. 131,400 corporate customers, +3.9% 250,600 associations and institutional customers, +1.5% No. 1 bank for SMEs, 43% are customers (1) €21.6bn in MLT loans In the interest of making life easier for cooperative shareholders and better meeting their needs, CASDEN has extensively overhauled its home loan procedure. CASDEN’s consumer finance offer was added to the Banque Populaire tool in autumn 2019. Thanks to this innovation, cooperative shareholders can be presented with the best consumer loan for their needs, either by CASDEN or Banque Populaire. CASDEN is committed to progress in the area of CSR and obtained LUCIE certification in November 2019. Ecofi Investissements, Crédit Coopératif’s asset management company, enhanced its SRI process, which is now applied to its entire range of open-ended funds (2) . Three flagship Ecofi Investissements funds – Ecofi Enjeux Futurs , Épargne Éthique Actions and Épargne Éthique Obligations – were SRI-certified via an independent certification process conducted by EY. Meanwhile, Ecofi Agir pour le Climat obtained Greenfin certification (previously “TEEC”) for the Energy and Ecological Transition via a certification process performed by Novethic. 100,000 cooperative shareholders 436,000 customers €3.2m in donations, raised from solidarity-based products, distributed to 53 associations

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(1) Kantar survey: 12 regional Banque Populaire banks, Crédit Coopératif, BTP Banque, Banque de Savoie, Banque Pelletier, Crédit Maritime, Banque Chaix, Banque Edel, BFCC, Banque Marze, Banque Dupuy, de Parseval, CCSO. (2) Excluding certain indexed funds and funds under delegated management.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE