BPCE - 2019 Universal Registration Document

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PRESENTATION OF GROUPE BPCE

GROUPE BPCE’S BUSINESS LINES

Banque Palatine

For 240 years, Banque Palatine has been a partner to intermediate-sized enterprises (ISEs) and private company directors. ISEs needing to finance a project, undertake capital transactions or expand their business internationally can call on Banque Palatine to build tailored solutions and meet their needs based on extensive business and sector expertise. Private Banking experts draw on a comprehensive understanding of their customers’ personal and professional environment to construct a suitable wealth strategy in consultation with them. IN 2019 Christine Jacglin was appointed Chief Executive Officer of • Banque Palatine in November. She was previously CEO of Crédit Coopératif (since 2015), where she led the development and transformation project. As part of the effort to attract high-end clients, new offers • and services were made available to ISEs and private company directors. ACTIVITY Banque Palatine maintained strong sales momentum on both markets, with loan outstandings climbing +7% overall, and customer acquisition up +4.6% among corporate customers and +1.3% among private banking clients. These improvements can be primarily attributed to the development of the private banking range with the creation of a Wealth Management and Discretionary Portfolio Management department. On the corporate customers market, two departments were created to better meet their specific CSR Banque Palatine has published its index on gender equality in the workplace. At 96 points, the score ranks among the leading French corporations (all sectors combined). Established in 2018, "Fondation Palatine des ETI, Mécènes ensemble", Banque Palatine’s foundation with ISEs, in partnership with "Mouvement des entreprises de taille intermédiaire" and placed under the aegis of "Fondation Entreprendre", promotes entrepreneurial engagement in the interest of social integration. The first Request for Projects

Key figures More than 13,000 corporate customers • More than 60,000 private banking customers • 1,350 employees • €16.6bn in deposits and savings • €9.8bn in loan outstandings •

Banque Palatine launched a new communication campaign • to highlight its unique positioning and its role not only as a financial partner to ISEs and their CEOs but also as a private banking institution, all under the tagline “L’art d’être banquier” (the art of being a banker). Banque Palatine continued and ramped up the • implementation of its migration to Banque Populaire’s information system by 2020.

customer needs: Cash Management and Marketing

Development.

The bank expanded its network of branches, opening an office in Brest to cover the southern tip of Brittany and inaugurating a new “high-end” branch format in Lyon Confluence, Chambéry, Montpellier and Annecy. Lastly, Banque Palatine completed its innovation financing range ( Digitization loan, Usine 4.0 IT hardware loan) for ISEs, with a cyber-risk insurance policy called CyberSecure.

was launched in 2019, centered on two priority issues: reintegration of former convicts and regions facing hardships. Five association projects were selected out of 36 submissions. A budget of €130,000 was divided up among the Banque Palatine organized the first Solidarity Week, during which more than 70 employees were able to take part in association activities for four days. five projects.

PALATINE ASSET MANAGEMENT Banque Palatine’s asset management company, Palatine Asset Management, invests in the real economy by investing in predominantly European corporates. It was recognized at the 2019 Awards Ceremony held by Mieux Vivre Votre Argent magazine for the performance of its SRI fund range. In October, Palatine Asset Management launched the Palatine Planète fund (previously called Palatine Or Bleu ), investing in companies operating in the environmental sector.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

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