BPCE - 2019 Universal Registration Document

Groupe BPCE at a glance

GROUP PROFILE

Groupe BPCE at a glance

A full-service cooperative banking model serving the group’s customers and the economy

OUR PERFORMANCE IS ROOTED IN THE STRENGTH OF OUR COOPERATIVE BANKING MODEL AND OUR AREAS OF EXPERTISE Our robust full-service cooperative banking model, built on strong brands (Banque Populaire, Caisse d’Épargne and Natixis), paves the way for a long-term approach. Its decentralized structure promotes team spirit and decision-making with close ties to its customers. The Fédération Nationale des Banques Populaires (FNBP) and the Fédération Nationale des Caisses d’Épargne (FNCE), the bodies that provide deliberation, communication and representation for the two networks and their cooperative shareholders, play an essential role in defining, coordinating and promoting the banks’ cooperative spirit and social responsibility initiatives, in accordance with Groupe BPCE’s commercial and financial objectives. We firmly believe that our cooperative model is open to the future and in tune with society’s expectations. Groupe BPCE is the No. 2 banking group in France , funding more than 20% of the French economy.

WE HELP OUR CUSTOMERS ACHIEVE THEIR GOALS All our customers, be they individuals, professionals, associations, corporate customers of all sizes or institutional customers, have constantly evolving expectations, with increasing demands in terms of availability, feedback, advice and service. The Group has four main business lines in France and abroad. With this structure, it is able to meet these needs by offering appropriate products and services across all distribution channels: Retail Banking & Insurance, Asset & Wealth Management, Corporate & Investment Banking, and Payments.

cooperative shareholders 9 million

customers 36 million

of the French economy > 20 % WE FUND

PRESENT INMORE THAN

40 countries

employees 105,000

No. 17 worldwide BY ASSETS UNDER MANAGEMENT

€ 24 bn

listed on Euronext Paris CAC Next 20 Natixis

in net banking income

(in 2019)

(source: Cerulli)

(1) Market share: 21.9% of on-balance sheet customer deposits & savings and 21% of customer loans (source: Banque de France Q3 2019 – all non-financial customers combined). (2) 21% market share in loan outstandings, all non-financial sector customers combined (source: Banque de France, Q3 2019). 4 UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE www.groupebpce.com