BPCE - 2019 Universal Registration Document

PRESENTATION OF GROUPE BPCE

GROUPE BPCE’S BUSINESS LINES

PRIVATE BANKING The Caisses d’Epargne gained more than 64,000 new clients in 2019, bringing assets under management to €254 billion. This momentum is the direct result of a more personalized relationship, a broad range of solutions, and increasingly cutting-edge expertise. Dedicated training programs, in partnership with major universities among other partners, have been established with a focus on conventional wealth management engineering expertise (portfolio management, legal and tax consulting) and the specific challenges facing CEOs. In a bid to better inform its wealth management clients, the dedicated website Vision Patrimoine was expanded to include three web conferences and multiple web series on real estate investments and Off-balance sheet deposits and savings. With two new private banking entities – Caisse d’Epargne Languedoc-Roussillon and Caisse d’Epargne d’Auvergne et du Limousin – there are now 13 Caisses d’Epargne with Private Banking departments. PROFESSIONAL CUSTOMERS With loan outstandings in excess of €13.1 billion, up 9.3% year-on-year, the Caisses d’Epargne once again proved they were more than capable of helping their professional customers achieve their goals, for example, by simplifying the credit application process for solutions such as the Digital pro loan, available at all Caisses d’Epargne, thanks to a pre-approved credit line. New investment loans were up sharply (+14.5%) to almost €3.9 billion. New offers were launched for small retailers in particular, such as PayPlug, a streamlined full-online collection tool. CE BoostFid, the customer loyalty solution built in to the CORPORATE CUSTOMERS With nearly 30,000 customers (VSEs, SMEs and ISEs), the Caisses d’Epargne further supported the development of corporate customers in 2019, with boosted investments and robust lending momentum. Caisse d’Epargne continued deploying Néo Business , dedicated to innovating companies, with more than 50 account managers spread out across 110 business centers and a budget of €200 million reserved for funding innovative expenditures (innovation loan, with 50% backing by the European Investment Fund). Also to that end, a partnership was established with Bpifrance Innovation: Innovation account managers in Caisse d’Epargne’s Néo Business program work closely with Bpifrance’s Innovation advisors to provide CEOs with their highest expertise and financing & guarantee solutions.

The Caisse d’Epargne network broadened its range of wealth management products and services in 2019. A new tool developed at Groupe BPCE level, MoneyPitch, was rolled out on the network offering Private Banking clients a comprehensive view of their assets and personalized investment advice drawing on the expertise of their Private Banking advisor. The quality of Groupe BPCE’s expertise in off-balance sheet savings was recognized at the 2019 Mieux Vivre Votre Argent awards: asset manager Mirova received the top prize Corbeille d’Or and Caisse d’Epargne took second place in the "2019 Network category" for the performance of its range of funds over the long term. It also won two certificates: "Best Equity Fund Range" and "Best SRI Range". No. 2 in France (1) 1.6 million of customer relationships €254bn in assets under management, +5.8% electronic payment systems used by small retailers, was also rolled out at most Caisses d’Epargne. By turning the debit card into a loyalty card, CE BoostFid allows retailers to reward customer loyalty and facilitates the organization of targeted marketing campaigns. 383,000 professional customers, +2% €13.1bn in MLT loans, +9.3% 6,600 employee savings contracts More than 9,200 new PRO non-life insurance policies In 2019, Caisse d’Epargne also partnered with Trophées des Futures Licornes with the goal of identifying high-potential French corporates expected to be worth more than €1 billion within the next five years. Of the seven winners, two were Caisse d’Epargne customers. Lastly, to complete its range of products and services, Caisse d’Epargne launched PulCEo, an online payment processing solution for customers that use several different banks.

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30,000 corporate customers €6.8bn in MLT loans, +18% €133.2bn in payment processing flows, +15.7%

(1) Xerfi/Precepta survey, December 2019.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE