BPCE_REGISTRATION_DOCUMENT_2017

1 PRESENTATION OF GROUPE BPCE Key figures 2017

Key figures 2017 1.4

106,500 employees

31

9

7,800

million customers

million cooperative shareholders

branches

Groupe BPCE

SUMMARY INCOME STATEMENT ➡

2017

2016

2015

in millionsof euros

Net banking income Gross operatingincome

23,720 6,621 72.1% 1,384

24,158 7,485 69.0% 1,423

23,868 7,620 68.1% 1,832

Cost/incomeratio

Cost ofrisk

Cost ofrisk in basispoints (1)

20

22

29

Incomebeforetax

5,516 3,024 4.8%

6,370 3,988 6.9%

6,123 3,242 5.9%

Net incomeattributableto equity holdersof the parent

ROE

BUSINESS LINE CONTRIBUTION TO GROUP NBI (2) IN 2017 ➡ (AS A %)

BUSINESS LINE CONTRIBUTION TO GROUP INCOME ➡ BEFORE TAX (2) IN 2017 (AS A %)

Retail Banking & Insurance: 71%

Retail Banking & Insurance: 65%

Specialized Financial Services: 6%

Networks: 62%

Specialized Financial Services: 6%

Networks: 54%

Insurance: 3%

Insurance: 5%

16%

20%

Corporate & Investment Banking

Corporate & Investment Banking

13%

15%

Natixis’ Business lines: 38%

Natixis’ Business lines: 46%

Asset & Wealth Management

Asset & Wealth Management

Cost of risk in annualized bp on gross customer loan outstandings at the start of the period. (1) Excluding the Corporate Center. (2)

10

Registration document 2017