BPCE - 2020 Universal Registration Document

Groupe BPCE at a glance

GROUP PROFILE

Groupe BPCE at a glance

A full-service cooperative banking model serving the Group’s customers and the economy.

WE BASE OUR PERFORMANCE ON THE STRENGTH OF OUR COOPERATIVE MODEL AND OUR EXPERTISE. Our solid universal cooperative banking model, built around strong brands, Banque Populaire, Caisse d’Epargne and Natixis, enables us to pursue a long-term approach. Its decentralized structure promotes team spirit and decision-making with close ties to its customers. The Fédération Nationale des Banques Populaires (FNBP) and the Fédération Nationale des Caisses d’Épargne (FNCE), the bodies that provide deliberation, communication and representation for the two networks and their cooperative shareholders, play an essential role in defining, coordinating and promoting the banks’ cooperative spirit and social responsibility initiatives, in accordance with Groupe BPCE’s commercial and financial objectives. We firmly believe that our cooperative model is open to the future and in tune with society’s expectations. Groupe BPCE is the No. 2 banking group (1) in France, funding more than 20% (2) of the French economy.

WE HELP OUR CUSTOMERS ACHIEVE THEIR GOALS All our customers, be they individuals, professionals, associations, corporate customers of all sizes or institutional customers, have constantly evolving expectations, with increasing demands in terms of availability, feedback, advice and service. The Group has four main business lines in France and abroad. With this structure, it is able to meet these needs by offering appropriate products and services across all distribution channels: Retail Banking & Insurance, Asset & Wealth Management, Corporate & Investment Banking, and Payments.

cooperative shareholders 9 million

customers 36 million

of the French economy > 20 % WE FUND

PRESENT INMORE THAN

40 countries

employees 100,000

(at 12/31/2020) CET1 Ratio 16 %

€ 1,100 bn ASSETS UNDER MANAGEMENT

€ 22.5 bn

(at 12/31/2020) >

in net banking income

(in 2020)

(1) Market shares: 22% in customer savings and 21.5% in customer credit (Banque de France Q3-2020 all non-financial customer categories). (2) 21.5% market shares on total non-financial customer loan outstandings (Banque de France Q3-2020).

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

www.groupebpce.com

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