BPCE_REGISTRATION_DOCUMENT_2017

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

1.8.1

Retail Banking and Insurance

Banque Populaire banks Created byand for entrepreneurs 140 years ago, Banque Populaire is now the No. 1 bank for SMEs (1) and franchise-holders (2) , and the No. 2bank for craftsmen and small retailers (3) . The Banque Populaire banks form the fourth largest banking network (4) in France, with 12 Banque Populaire regional banks, CASDENBanque Populaire,which

14 Banque Populaire banks €257.6bn in deposits and savings 4.3 million cooperative shareholders €196.1bn in loan outstandings 9.2 million customers €6.3bn in net banking income 31,400 employees 3,263 branches

serves public-sector workers, and Crédit Coopératif, a major player in the social and solidarity-based economy.

In 2017 Banque Populaire du Grand Ouest was created from the merger ● of Banque Populaire Atlantique, Banque Populaire de l’Ouest, Crédit Maritime Atlantique and Crédit Maritime Bretagne-Normandie.Banque Populaire du Grand Ouest serves 840,000 customers, including 310,000 cooperative shareholders. Individual customers In 2017, Banque Populairebecame the primary bank for more than 86,000 new individual customers over age 25, up 2.5% compared to 2016. It rolled out a comprehensive mobile payment offer, Paylib , alongside Apple Pay , launched Smart’retrait , a solution for withdrawingmoney without using a debit card, and Moneyfriends , an openly availablemoney transfer app used to monitor and settle debts among friends. With new home loans up 15.8% and consumer loans (now availableonline) up 9.7%, loan outstandingsrose 9.3% and 11.4%, respectively. Portfolios of non-life, provident and health insurance policies expandedby nearly 8%. CASDEN Banque Populaire A cooperativebank servingall public-sectorworkers,CASDENBanque Populaireboastedmore than 1.6 million cooperativeshareholdersat end-2017. It optimized its offer through partnerships with public-sector organizations and initiatives to acquire and retain public-sector employees as customers. With new online simulation and applicationservices availableat casden.fr , plus the donation-based

The Banque Populairebanks consolidatedtheir sales momentum, ● ramped up their digital transformationand built up even closer relationswith their customers in2017. Loan outstandingsrose 7.7% and deposits and savings 7%. The ● numberof insuredindividualcustomersclimbed 8%.

€ 32.5bn in new loans,+14.9% € 120bn in loan outstandings, +9.4%

€ 150.8bnin deposits and savings, +5% 337,200 newnon-life insurance policies 172,000 newprovident and health insurance policies

project financing platform for associations, Ma Belle Tribu , it acceleratedits digital transformationto becomethe preferredbank of civil servants. 325,000 new cooperative shareholders have joined in the last 2 years, including 30% working in National Education and 70% in other civilservice departments. 1.6 million cooperative shareholders

2017 Kantar TNS survey. (1) 14 th annual franchise survey, CSA 2017. (2) 2016 CSA Pépites survey. (3) Internal analysis based on 2016 data. (4)

17

Registration document 2017

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