BPCE - 2020 Universal Registration Document

PRESENTATION OF GROUPE BPCE

THE GROUP’S BUSINESS LINES

CORPORATE AND INSTITUTIONAL CUSTOMERS 43% of SMEs and SMIs are customers of Banque Populaire, making the brand the leading bank for SMEs in France, according to the Kantar 2019 (1) , the benchmark survey on banking for SMEs and SMIs on the market. Payments In 2020, work continued to provide a strong authentication system for corporate customers who use the Cyberplus Payment system, an online payment solution. This change meets PSD2 regulatory requirementsand concerns both the consultation of accounts and so-called sensitive transactions (payments, registration of beneficiaries, ordering of checkbooks, etc.). Financial Engineering In 2020, the Banques Populaires maintained a brisk pace in operations despite the health crisis. Thanks to the commitmentof the 90 private equity experts, the number of companiesin the portfolio increasedby 20% comparedto last year. The Banque Populaire Ingénierie Financière brand thus CASDEN BANQUE POPULAIRE CASDEN Banque Populaire furthered its development, achieving its goal of becoming the leading bank in the civil service sector. In the context of an exceptionalhealth crisis, it continued to strengthen its links with public service organizationsin 2020 and was keen to provide its full support to public service employees who were on the front lines during this period. It therefore decided not to hold a media campaign in the spring and to allocate the planned sum to three priorities via donationsto the Paris HospitalsFoundation - FrenchHospitalsto help caregivers,to the CNRS Foundation CRÉDIT COOPÉRATIF As the leading bank serving the social and solidarity-based economyand engaged citizens, Crédit Coopératif recordedan increase of 17.7% in new loans to individual customers (personal loans and real estate loans). In the context of the health crisis, customers have opted for solidarity savings products: sharing savings accounts have thus increased by 14%. Crédit Coopératif has strengthened its loan offer for companies and associations to encourage them in their efforts to improve their social and environmental balance sheet, by creating the Choisir son impact (Choose Your Impact) loan. The objective is to encourage them to commit to an active approach of social and environmental responsibility for better overall performance of their structure. The achievement of environmental and social indicators, defined jointly when the loan is taken out, thus makes it possible to obtain a subsidized rate. The year 2020 was marked by an acceleration of Crédit Coopératif’s digital transformation with the launch of new

advises business leaders about all of their company’s life events, whether developing their assets or securing their assets through capitalization or sale and transfer operations. Grouped interventionsmake it possible to mobilize a pool of skills bringing together both financial engineers (capitalization and valuation) and private bankers (investments and wealth management). International Regionally, the 60 Banque Populaire experts worked on assembling solutions, also capitalizing on the know-how of Groupe BPCE subsidiaries (Natixis, Pramex International) and partners (Stratexio, Connector, Coface, and BPI France). 134,000 corporate customers, +2% 256,000 associations and institutional customers, +2.1% No. 1 bank for SMEs, 43% are customers (1) €33.6bn in medium/long-term loans (including State- guaranteed loans) to help with research on Covid-19, and to the Ministry of the to help procure protective equipment for internal security forces (National Police and National Gendarmerie). Since opening to the entire civil service at the end of 2015, CASDEN Banque Populaire has succeeded in bringing togethermore than 763,400newmembers,of which 124,000 in 2020. And 64.1% of them are civil servants, excluding those in national education.At the end of 2020, they will total more than two million cooperative shareholders. Interior servicessuch as the strongauthenticationsolution Secur’Pass , the option of aggregating accounts, SMS withdrawals, consulting the PIN code of the bank card in the mobile application, or the option of increasing card limits oneself. At the same time, a third e-branch was created in Rennes for individual customers, after those in Paris and Bordeaux. As an asset management company of the Crédit Coopératif Group, Ecofi has been granted the status of a companywith a mission. This name, introduced into French corporate law by the Pacte act of 2019, refers to new forms of companiesthat adopt a social or environmentalpurposeby statute, in addition to the goal of profitability. 99,000 cooperative shareholders 434,600 customers €2.60m in donations,raisedfromsolidarity-basedproducts, distributed to 49 associations

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(1) 43% total penetration rate (Kantar 2019). Banque Populaire: No. 1 bank of SMEs, including the Banques Populaires, Crédit Coopératif, and the regional banks of Crédit Maritime Mutuel.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE