BPCE - 2019 Universal Registration Document

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PRESENTATION OF GROUPE BPCE

GROUPE BPCE’S BUSINESS LINES

Caisses d’Epargne

The Caisses d’Epargne have financed the French economy for more than 200 years. They support their customers over the long term at every key milestone of their lives, always with the general public interest in mind and with the ambition of serving all customers equally, as promised by their slogan “Vous être utile”. Individuals, professionals, associations, corporates and local authorities all receive personalized solutions from their Caisse d’Epargne, tailored to their individual needs and objectives. The 15 Caisses d’Epargne are cooperative banks, forming the No. 2 banking network in France. IN 2019 Caisse d’Epargne launched its new everyday banking offer • Les Formules (package deals) in 2019. Made up of core services and three levels of package deals, customers can choose the right combination to meet their needs and the needs of their family. As a Premium Partner of the Paris 2024 Olympic and • Paralympic Games with Groupe BPCE, Caisse d’Epargne INDIVIDUAL CUSTOMERS Over 460,000 new individual customers joined Caisse d’Epargne in 2019. New lending activity was very strong, with new home loans up 25.3% year-on-year and consumer loans up 6.5%. The new everyday banking range was launched in 2019. The Formules offering can be tailored to meet all customer needs, for the entire family, by combining core services (particularly digital) with one of three package deals selected according to the level of service sought by the customer. For example, customers can choose to be able to reach their advisor at extended hours, or elect to receive international services. Groupe BPCE continued implementing its Digital Inside strategy, with the development of new digital processes starting with onboarding, and in the approach to applying for and managing credit, deposits and savings, and insurance

Key figures 15 Caisses d’Epargne • 4.5 million cooperative shareholders • 18.6 million customers • 34,300 employees • €441.4bn in deposits and savings •

€291bn in loan outstandings • €7bn in net banking income •

teamed up with Seventure Partners to launch an investment fund dedicated to the sports economy Sport & Performance Capital . Lastly, Caisse d’Epargne rolled out Numairic , an • unprecedented digital credit solution that can be used by municipalities to apply for credit online and immediately receive a proposal from the bank.

offers. The Caisse d’Epargne banking app is recognized for its usage and performance rates. The bank gained six spots in one year and has risen to the top tier of retail banking groups according to the most recent annual survey conducted by digital rating agency D-Rating. Lastly, the substantial improvement achieved in non-life insurance highlighted the Caisse d’Epargne network’s strategy of meeting the everyday banking and insurance needs of its customers. €165.6bn in loan outstandings, +7.7% €347.7bn in deposits and savings, +2.4% €10.5bn in life insurance inflows A portfolio of 5.3 million non-life insurance policies, +5%

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

www.groupebpce.com