BPCE - 2019 Universal Registration Document

FINANCIAL REPORT

IFRS CONSOLIDATED FINANCIAL STATEMENTS OF BPCE SA GROUP AS AT DECEMBER 31, 2019

Statutory method of consolidation (2)

Ownership interest

Company

Activity

Location (1)

I) CONSOLIDATING ENTITY BPCE SA

Credit institution

FR

100%

FC

II) BPCE SA GROUP SUBSIDIARIES

IT systems and software consulting

ALBIANT-IT BATILEASE

FR FR FR FR FR FR FR FR FR FR FR

98%

FC FC FC FC FC FC FC FC FC FC FC FC FC FC FC FC FC FC EQ FC FC FC EQ FC FC FC FC FC FC FC EQ FC FC EQ FC EQ FC FC FC FC FC FC EQ FC FC FC

Real estate leasing Services company Real estate leasing

100%

BPCE ACHATS

56%

BPCE BAIL

100% 100% 100% 100% 100%

BPCE CAR LEASE BPCE ENERGECO

Operational vehicle leasing Non-real estate leasing

BPCE FACTOR

Factoring

BPCE FINANCEMENT

Consumer finance

BPCE INFOGÉRANCE & TECHNOLOGIES

IT services

55%

BPCE LEASE

Non-real estate leasing

100% 100%

BPCE LEASE IMMO

Real estate leasing

Non-real estate and real estate leasing Non-real estate and real estate leasing

BPCE LEASE MADRID – Branch

ES

100%

BPCE LEASE MILAN – Branch

IT

100%

BPCE LEASE NOUMÉA BPCE LEASE RÉUNION BPCE LEASE TAHITI

Non-real estate leasing Non-real estate leasing Non-real estate leasing

NC RE PF FR FR FR FR FR FR FR FR FR FR FR FR DE DE FR FR FR FR FR FR FR FR DK FR FR FR FR FR FR FR

99%

100% 100% 100% 100% 100%

BPCE MASTER HOME LOANS FCT/BPCE CONSUMER LOANS FCT BPCE MASTER HOME LOANS DEMUT/BPCE CONSUMER LOANS DEMUT

French securitization fund (FCT) French securitization fund (FCT) Operational vehicle leasing

BPCE PERSONAL CAR LEASE

BPCE SERVICES FINANCIERS (formerly CSF-GCE)

Services company

38%

5

BPCE SFH

Funding

100%

BPCE SOLUTIONS CRÉDIT (FORMERLY GIE ECUREUIL CRÉDIT)

Services company Real estate leasing Data processing

84%

CICOBAIL SA

100%

CLICK AND TRUST

34%

CO ASSUR CONSEIL ASSURANCE SA (BROKERAGE) COMPAGNIE EUROPÉENNE DE GARANTIES ET DE CAUTIONS

Insurance brokerage advisory

100% 100% 100% 100% 100% 100% 100%

Insurance

ESNI

Securitization company

Consumer credit securitization vehicle

FCT PUMACC

FIDOR BANK AG

Digital loan institution Digital technology R&D Holding company Guarantee company

FIDOR SOLUTION AG GCE PARTICIPATIONS

GIE CE SYNDICATION RISQUES

41% 71% 50% 30%

NATIXIS GROUP (3) ONEY GROUP (5)

INFORMATIQUE BANQUES POPULAIRES

IT services

INTER-COOP SA

Real estate leasing

100%

IT-CE

IT services

34%

LEASE EXPANSION SA

IT operational leasing

100% 100% 100% 100% 100% 100%

MIDT FACTORING

Factoring

MIFCOS SOCFIM

Investment property Credit institution Holding company Services company Credit institution Services company Real estate leasing

SOCFIM PARTICIPATIONS IMMOBILIÈRES SOCIÉTÉ D’EXPLOITATION MAB (SEMAB)

SOCRAM BANQUE SPORTS IMAGINE SUD OUEST BAIL SA

33%

100% 100%

483

UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE