BPCE - 2019 Universal Registration Document

PRESENTATION OF GROUPE BPCE

GROUPE BPCE’S BUSINESS LINES

PUBLIC SECTOR

Caisse d’Epargne is a major partner to local authorities and public-sector healthcare institutions, providing a comprehensive range of solutions: everyday banking, cash management, bridging loans, project financing and more. With elections coming up, 2019 was another year of robust public-sector investment. Against this backdrop, Caisse d’Epargne recorded a year-on-year increase in public-sector financing of over 7%. Caisse d’Epargne receives funding from the European Investment Bank to offer subsidized-rate loans on projects in France supported by Europe, particularly under the Plan Santé France healthcare plan, the Plan Eau et Assainissement water and sanitation plan, and the Plan France Très Haut Débit, very high-speed network plan. Furthermore, the Caisses d’Epargne are among the leading lenders for public sports infrastructure projects. They provide solutions specifically co-built to help local authorities create and manage local facilities, and work SOCIAL HOUSING AND SEMI-PUBLIC ENTITIES As longstanding partners of social housing organizations, the Caisses d’Epargne are well-versed in meeting the needs of this segment, from everyday banking to financing and investment solutions. In light of record-low interest rates, 2019 saw Caisse d’Epargne take unprecedented measures, teaming up with institutional investors and Natixis to provide social housing landlords with very long-term fixed-rate loans spanning 40, 50 and even 60 years.

with the European Investment Bank to offer attractive financing options for larger-scale projects as well. This is just one more example of how Groupe BPCE gets involved in the sports economy, a factor that strengthens social cohesion. The Caisses d’Epargne are also on the cutting edge of Open Payment solutions for public transportation systems with the aim of facilitating green mobility in all large cities. For example, contactless payment on Aixpress, an all-electric bus line offering a high level of service, is launched in Aix-en-Provence in January 2020. Numairic , a highly innovative digital credit solution for municipalities, was rolled out in 2019 at all Caisses d’Epargne. With Numairic , municipalities (particularly those with fewer than 5,000 residents) are able to directly submit credit applications online 24/7 and immediately obtain a loan offer. With €42.8bn in loan outstandings, Caisse d’Epargne ranks No. 1 in public sector financing. The number of local public-sector entities increased to 1,310 in 2019. The Caisses d’Epargne boosted their penetration rate in this segment to 63%. Caisse d’Epargne also acts as a social housing operator in conjunction with the HLM Habitat en Région division, which comprises 21 entities managing a total of 223,000 homes at end-2019. €3.7bn in new loans €10.4bn in loan outstandings €2.7bn in inflows

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE