BPCE - 2020 Universal Registration Document

PRESENTATION OF GROUPE BPCE

THE GROUP’S BUSINESS LINES

ADVISORY BUSINESSES Pramex International

BPCE Solutions immobilières In 2020, Crédit Foncier Immobilier became BPCE Solutions immobilières, a wholly-owned subsidiary of BPCE SA. Its development is based on three business lines – Expertise & Consulting, Residential, and Investment & Transactions – and on the strengtheningof partnershipswith Groupe BPCE companies. The year 2020 was marked by clear commercial advances in the residential sector, in conjunction with the Banques Populaires and the Caisses d’Epargne.

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Pramex International specializes in advising French start-ups, SMEs and ISEs on international expansion, either through internal growth (creating and overseeing foreign subsidiaries) or external growth (international acquisitions). Originally related to the Banques Populaires, Pramex International extended its services to all of the Group’s networks in 2020 through the signing of an agreement with BPCE, putting the company’s expertiseand know-howat the serviceof all of the Group’s customers.

CUSTODY BUSINESSES EuroTitres

features and a magazine of general recommendations,was the main channel used by customers,with peak in attendance of 1.7 millionvisits in March. However, in 2020, on collective investment schemes, volumes continued to trend downward (-13%). The same applies to inventory of ordinary securities accountsand custodial equity savings plans, which decreased by 2% over one year. Finally, the integrationof the EuroTitres business at BPCE SA was finalized by various IT migrations.

EuroTitres is the leading French provider of outsourced custody services on the retail market (1) . In 2020, EuroTitres delivered exceptional activity on the stock market, thanks to strong mobilization of individual customers. At the end of December 2020, 2.8 million orders had been processed, compared to 1.3 million for the full year of 2019. The internet and mobile transactional site, which was enriched with new

(1) Internal analysis.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE