BPCE_REGISTRATION_DOCUMENT_2017

1 PRESENTATION OF GROUPE BPCE Key figures 2017

ACTIVITY ➡

12/31/2017

12/31/2016

12/31/2015

in billions of euros

Balancesheet total

1,259.9

1,235.2

1,166.5

Customer loans(gross loan outstandings)

704.9

679.2

629.8

RETAIL BANKING AND INSURANCE

DEPOSITS AND SAVINGS (IN €BN) ➡

LOAN OUTSTANDINGS (IN €BN) ➡

NEW LOAN PRODUCTION (IN €BN) ➡

543

691

663

651

517

210

495

205

202

125

481

97

101

458

449

2015

2016

2017

12/31/2015 12/31/2016 12/31/2017

12/31/2015 12/31/2016 12/31/2017

Off-balance sheet deposits & savings

On balance sheet deposits & savings

FINANCIAL STRUCTURE AND LIQUIDITY RESERVE

CAPITAL RATIOS ➡

in billionsof euros

12/31/2017

12/31/2016 12/31/2015

Equity attributableto equity holders ofthe parent CommonEquity Tier 1capital

64.0

61.5

57.6

59.0

55.3

50.9

Tier 1 capital

59.5 74.0 214

56.6 72.3 230

52.2 65.8

19.2%

18.5%

Total regulatorycapital

16.8%

Liquidityreserve

196

UnderBasel III,taking into accountCRR/CRD IV phase-inmeasures.

15.4%

14.5%

13.3%

CREDIT RATINGS AT DECEMBER 31, 2017 ➡ The following ratings concern BPCE and alsoapply to GroupeBPCE.

Common Equity Tier 1 ratio Tier 1 ratio Total capital ratio

14.1%

15.3%

13.0%

Fitch Ratings Moody’s

Standard & Poor’s

R&I

12/31/2015 12/31/2016 12/31/2017

Long-term rating Short-term rating

A

A2

A

A

F1

P-1

–

A-1

UnderBasel III,taking into accountCRR/CRDIV phase-inmeasures.

Outlook

Positive Positive Stable Positive

11

Registration document 2017