BPCE - 2020 Universal Registration Document

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ADDITIONAL INFORMATION

CROSS-REFERENCE TABLE FOR THE UNIVERSAL REGISTRATION DOCUMENT

BPCE’s annual financial statements for the fiscal year ended • December 31, 2018 and the Statutory Auditors’ report, presented on pages 585 to 588 of the registration document filed with the French Financial Markets Authority on April 2, 2019 under number D. 19-0252. The 2019 registration document filed with the French Financial Markets Authority on March 25, 2020 under the number D. 20-0174 and the 2018 registration document filed with the French Financial Markets Authority on 2 April 2019 under number D. 19-0252 are available at the following link: https://groupebpce.com/en/investors/results-and-publications/ registration-document

All the documents incorporated in this universal registration document were filed with the French Financial Markets Authority and are available on the issuer’s website (https://groupebpce.com/en/investors/results-and-publications/ registration-document) and on the French Financial Markets Authority website (https://www.amf-france.org/fr). The information incorporated by reference should be read in accordance with the table below. Any information not referred to in this table but which is part of the documents incorporated by reference is provided for information purposes only.

The information incorporated by reference for previous financial years should be read in accordance with the table below.

2018 registration document filed on April 2, 2019 Page No.

2019 universal registration document filed on March 25, 2020 Page No.

Category referenced in Annexes 1 and 2 of Delegated Regulation No. 2019/2020

7.1 Financial condition 7.2 Operating income

226-227

198-199

226; 248; 407; 543; 551 198; 219; 367; 497; 502

8 Cash flow and capital resources

211-212; 221-223; 271-274; 369-371; 418-420; 504; 536-537; 589-592

240; 254-255; 308-309; 412-413; 465-467; 575-576

8.1 Information on the issuer’s capital resources 8.2 Sources and amounts of issuer’s cash flows

256; 414

224; 372

12 Administrative, management and supervisory bodies and executive management 12.1 Administrative bodies 12.2 Conflicts of interest involving the administrative, management and supervisory bodies and executive management

128-189

8-9; 116-168

131; 218-219

119; 191-192

13 Pay and benefits

169-190; 331; 476; 499; 542; 668-671 171-173; 175-183; 331; 476; 499; 542; 668-671

13.1 Amount of pay and benefits in kind

190-217

212-217; 368; 520; 545; 584; 712-715

13.2 Total amount set aside or accrued by the issuer to provide pension, retirement or similar benefits

14 Board practices 14.1 Date of expiration of the current term of office

133; 135-136

122-123; 125 191-192; 668

14.2 Service contracts with members of the administrative bodies

130-132; 218-219; 712

14.3 Information about the issuer’s Audit Committee and Renumeration Committee

134-135; 183-186 9; 121-125; 161-165; 552

18 Financial information concerning the issuer’s assets and liabilities, financial position and profits and losses 18.1 Historical financial information, accounting standards and changes in accounting standards, financial statements and date of most recent financial information

6-7; 198-199; 219-358; 367-485; 500-542

11-13; 248-588

18.2 Interim financial information and other information

N/A

N/A

397-406; 532-541; 585-588 228-236; 364-365; 516-517

359-366; 486-494; 543-546 198-199; 326-327; 471-472

18.3 Auditing of historical annual financial information

18.4 Pro forma financial information

19.2 Charter of incorporation and articles of association

702-703

660-661

The information presented on Groupe BPCE’s institutional website is not included in the Groupe BPCE universal registration document, unless explicitly incorporated for reference purposes.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

www.groupebpce.com