BPCE - 2019 Universal Registration Document

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PRESENTATION OF GROUPE BPCE

GROUPE BPCE’S BUSINESS LINES

FINANCIAL ENGINEERING The Caisses d’Epargne offer a full range of financial engineering solutions: private equity, consulting on disposals-business transmissions, and structured financing (arrangement, syndication and management of financing solutions). Investing in the share capital of companies in their region is a pillar of strategic development for the Caisses d’Epargne, with 17 regional entities and a national venture capital firm (Caisse d’Epargne Développement) with a budget of €100 million. The Caisses d’Epargne have invested in regional or national investment funds, which in turn invest in the share capital of regional SMEs and ISEs. Loan outstandings topped €1 billion at end-2019. Of the many initiatives launched under Groupe BPCE’s partnership with Paris 2024, Caisse d’Epargne teamed up with REAL ESTATE PROFESSIONALS In 2019, Caisse d’Epargne consolidated its position among the top players in the real estate professionals market. New loans and signed commitments increased by 15.7% over the 12 months of 2019, totaling €7.9 billion. The Caisses d’Epargne offer financing and guarantees for all types of projects alongside real estate developers, real estate agents, SOCIAL AND SOLIDARITY-BASED ECONOMY (SSE) With loan outstandings of €5.4 billion in 2019, Caisse d’Epargne is the No. 1 private-sector lender to the social and solidarity-based economy (1) , representing 14% (2) of employment in France’s private sector. Thanks to its tight-knit partnership with the entire SSE ecosystem and social innovation support networks, customer acquisition was strong yet again in 2019 with close to 1,000 new customer relationships. This momentum was fueled by the expansion of social entrepreneurship in the regions, with a focus on ecological transition projects.

Seventure Partners to create a national investment fund Sport & Performance Capital of around €80 million dedicated to the sports economy. The Caisses d’Epargne cover the various segments of the structured financing market: syndicated corporate loans, LBOs/acquisition financing, project financing (renewable energy, infrastructure, etc.), asset financing (rolling stock, long-term real estate, etc.) and infrastructure (very high-speed networks in particular). With a total of €2.6 billion in arranged debt, including 16% in infrastructure or renewable energy projects and 28% in LBOs/acquisition financing, for over 200 deals, the Caisses d’Epargne have become key players in regional structured financing.

subdividers/site developers and investors. Total loan outstandings on the real estate professionals market rose 18% to €13 billion.

€4.8bn in new short-term loans, +19.7% €2.1bn in new MLT loans, +18%

For the first time, Caisse d’Epargne affirmed its ambition on this market via a media campaign launched in November 2019. In 2019, Caisse d’Epargne added the Espace Dons donation platform to the range of services included in Espace Asso, the digital solution designed to facilitate day-to-day operations for associations. Lastly, one-third of the Caisses d’Epargne set up remote assistance for smaller entities providing employment in the social and solidarity-based economy. No. 1 in SSE financing, with 21.2% market share (1) €735m in new MLT loans

PROTECTED PERSONS Caisse d’Epargne is the primary bank of nearly half of all guardianship/supervision and dependent adults living at home. Across France, 150 specialized advisors are on-hand to assist family representatives and legal guardians. 2019 was especially busy on the regulatory front, both in terms of compliance with new rules governing the management of accounts held by dependent adults, and the implementation of associated commercial proposals. Caisse d’Epargne protected persons, persons under legal

contributed to these reforms, underscoring its willingness to

assist legal protection professionals.

No.1 bank legal guardianship/supervision and dependent adults living at home (3) 327,000 customers €9.3bn in managed deposits and savings for persons under

(1) Banque de France – ISBLM scope, June 2019. (2) Observatoire de l’ESS. (3) French Ministry of Justice, October 2018.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

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