BPCE_REGISTRATION_DOCUMENT_2017

1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Private banking Private banking continuedto attract new clients (+6.5%)and build up assets under management (+7.9%), consolidating its momentum with affluent clients. Drawing on solid expertise in financial engineering and wealth management for CEOs and company directors, Banque Populaire Private Banking providesa tailored offering for this client base. Assets under management came to € 73.4 billion in 2017. Gross inflows in Natixis investmentproductstotaled € 1.1 billion in 2017, million professionalcustomersby taking a business partner approach that combines financing with digital services and tools to provide this customer base with the best possible support on a daily basis. A new à la carte account agreement, RhythméoPro , was launchedin 2017. Financing ● New mediumand long-termloans picked up 15.9% to € 8.4 billion. The Banque Populaire banks, the Fédération Nationale des SOCOMA (1) and the European InvestmentFund (EIF) entered into a new loan guaranteeagreementof € 1 billion for 2017-2018.Under the agreement,they can offer loans without personal collateral,or with reduced collateral. A new fast, simple, no-collateral and single-rateloan (regardlessof term), Pro digital , was launched this year. New services ● The new Direct & Proche offer for small retailers, craftsmen and farmers combines the creation of showcase or retail websites, Google Adworks marketing solutions and coordination of sales events. AVIZ&Plus , an online economic and financial information service, helps professionalcustomers and VSEs secure the developmentof Professional customers The Banque Populaire banks have earned over one Crédit Coopératif Banks and customers can work together to build an economy rooted in stronger social values: this is the conviction held by Crédit Coopératif, the bank for the social and solidarity-based economy and socially engaged citizens. Crédit Coopératif is the leader in solidarity-based savings and financial products, distributingtotal donations of € 3 million to 53 associationsin 2017 and voluntarilycontributinga portion of each foreignexchangetransactionto the FondationSimplon’s Refugeeks program. In terms of new services and financingsolutions,Crédit Coopératif launched the Prêt Agir pour l’Efficacité Énergétique loan to allow businesses,local public enterprises(LPEs) and associationsto carry out energy efficiency renovations at asubsidizedrate. Understandingthat organizationsin the social and solidarity-based economy need capital to expand, Crédit Coopératif issued

boostedsharplyby the successof the new rangeof Sélectiz , Sélectiz Plus and Sélectiz PEA funds managed by Natixis Investment Managers. New life insuranceinflows totaled € 2.5 billion, with 33.9% consisting of unit-linkedassets. 376,400 clients,+6.5% € 73.4bn in assets undermanagement, +7.9% their business by keeping track of their sales partners. Meanwhile, the implementationof employee share ownership plans has been made much easier with the full-digitalsolution, Easiris . Partnerships and promotion ● Banque Populaire has established a partnership with national start-up network BGE to help support projectowners. It has also entered into partnership agreements with the associationof corporate legal advisors, and with Lawyers Without Borders France, which receives a donation with each new account opened. It also conducted a digital campaign highlighting the nursing profession and the dedication of its customers working in the profession.

1.1 million professionalcustomers 405,800 craftsmenand small retailers 148,000self-employedprofessionals 66,150 farmers € 50.4bn in loan outstandings, +4.5%

€ 2 million in charitable bonds for Alima, a humanitarianmedical aid association. The bank also continued its network modernization efforts by renovating 10 business centers and creating a second e-branch in Bordeaux. It also created the online hub Agir & Co to present news on current events in the social and solidarity-basedeconomyand to provide a forum for stakeholders to exchange information.

105,200 cooperativeshareholders 342,200 customers € 3m in donationsto 53 associations,raised from solidarity-based products

Mutual guarantee companies for the small business sector, having Banque Populaire as an exclusive partner. (1)

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Registration document 2017