BPCE - 2020 Universal Registration Document

2020 UNIVERSAL REGISTRATION DOCUMENT AND ANNUAL FINANCIAL REPORT

Operating in more than 40 COUNTRIES

cooperative shareholders 9 MILLION

Groupe BPCE, the second largest banking group in France, performs a full range of banking and insurance activities. Its 100,000 employees , serve 36 million customers around the world – individuals, professionals, businesses, investors, and local authorities. It provides retail banking and insurance services in France through its two major cooperative networks, Banque Populaire and Caisse d’Epargne. With Natixis, it also provides Asset & Wealth Management, Corporate & Investment Banking and Payment services around the world.

www.groupebpce.com

The English version of this report is a free translation from the original which was prepared in French. All possible care has been taken to ensure that the translation is an accurate presentation of the original. However, in matters of interpretation, views or opinion expressed in the original language version of the document in French take precedence over the translation . Only the French version of the universal registration document has been submitted to the AMF. It is therefore the only version that is binding in law. The original universal registration document was filed on March 24, 2021 with the AMF, in its capacity as the competent authority in respect of Regulation (EU) No. 2017/1129, without prior approval pursuant to Article 9 of said regulation. Groupe BPCE's universal registration document may only be used for the purposes of a public offering or admission of securities to trading on a regulated market if it is accompanied by a memorandum pertaining to the securities and, where applicable, an executive summary and all amendments made to the universal registration document. The complete package of documents is approved by the AMF in accordance with Regulation (EU) No. 2017/1129. Copies of this universal registration document may be obtained free of charge from BPCE, 50, avenue Pierre Mendès-France 75013 Paris.

1 UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE