BPCE - 2020 Universal Registration Document

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PRESENTATION OF GROUPE BPCE

HIGHLIGHTS

Highlights 1.3

January 2020

The Banques Populaires and the Caisses d’Epargne are among the four financial partners that offer loans guaranteed by the National Initiative for French Agriculture (INAF). It is a structure designed as part of the Major Investment Plan 2018-2022by the European Investment Fund (EIF), in collaboration with the French Ministry of Agriculture. INAF is expected to catalyze more than €1 billion in investment.

The Banques Populaires and the Caisses d’Epargne are launching a Tour de France dubbed “Entreprendre 2024” to facilitate the access of VSEs and SMEs and social and solidarity economy structures to the opportunities generated by the organization of the Olympic and Paralympic Games Paris 2024. Since its launch, more than 2,000 companies and partners have taken part in these meetings.

February 2020

The Group publishes its first study on the sports economy in France. This unprecedented economic, statistical and behavioral analysis aims to understand what the sports sector represents in France, its economic weight, and its regional disparities and specificities, and to identify its players and its economic challenges.

March 2020

The Banques Populaires and the Caisses d’Epargne mobilize to support their customers facing difficulties related to the health crisis. Numerous immediate measures have been taken, in particular: postponing loan repayments for professional and corporate customers for up to six months, and accelerating the processing of claims and their compensation for insured customers. The Group is also the first French bank to offer the electronic signature of the State-guaranteed loan (SGL).

In financial markets disrupted by the health crisis, Groupe BPCE is the first major European banking group to make a successful return to the bond market with a covered bond issue of €1 billion (issue guaranteed by housing loans originated by the Banque Populaire and Caisse d’Epargne networks).

April 2020

The Group confirms its leadership in digital. It is among the leading European banks in terms of customer satisfaction on mobile applications during the lockdown period (Covid-19 report by the D-Rating agency).

May 2020

Groupe BPCE successfully completes the placement of its first covered bond issue to refinance energy-efficient homes, for an amount of €1.25 billion and a maturity of ten years. It confirms its leading position as a player committed to responsible regional financing. The Caisses d’Epargne launch a large-scale support plan for public hospitals with an exceptional funding envelope of €1 billion. This support plan, which comes in the context of a health crisis, includes cash loans that can be mobilizedwithin 48 hours,

a medium/long-termfinancing offer and, finally, a credit solution for very-long-term investment needs over periods of up to 40 years. The Banques Populaires and the Caisses d’Epargne are launching a support plan for students and apprentices to help them get through the crisis. Concrete actions have been taken, such as the repayment of their multi-risk home insurance for young people for three months, or the granting of a student loan of up to €5,000 at 0%.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

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