1 PRESENTATION OF GROUPE BPCE Groupe BPCE’s business lines

Caisses d’Epargne Caisse d’Epargnecelebrates its 200 th anniversary in 2018. From the very beginning, its missionhas been toserve each and everycustomer without ever losing sightof its collective purpose. The Caisse d’Epargneslogan, “Êtreutile” (Being helpful), underscores thisongoing commitment today. Drawingon this rich history, it is constantly innovating toensure thatits customers – individuals, professionals, businesses and all players in the regional economy established counting Caisse d'Epargne as a key partner – receive the very best support in realizing their personal andprofessional goals, from start to finish. In 2017 A new major regional bank was established from the merger of ● Caisse d’Epargne Picardie and Caisse d’Epargne Nord France Europe: Caisse d’Epargne Hauts de France, serving 2.5 million customers including 450,000 cooperative shareholders. The Caisses d’Epargne are thus successfully pursuing their ● customer acquisition strategy in banking and insurance, Individual customers In 2017, Caisse d’Epargne became the primary bank for more than 135,000 new individualcustomersover age 25, up 2.5% compared to 2016. Home loans, consumer loans and insurance posted substantial gains in 2017. Over 1 million non-life, provident and health insurance policies were taken out. Inflows also maintained strong momentum, particularly in terms of demanddeposits, up13.8%. New servicesincludeda digital recognitionfeatureadded to mobile app Banxo . Paylib extended mobile payments to Android smartphone users, while the Communauté by Caisse d’Epargne Professional customers The number of active professional customers rose 5.7% year-on-year, driven by solid sales momentum. 2017 was a good year for financingactivities,up 18.5% compared to 2016. 10,000 newpro non-lifeinsurance policies were taken out. Investment loans, employee savings plans, and financing of companycars via operating leases all became available online. In support of entrepreneurs, Caisse d’Epargne launched the interest-freeloan Pr êt décollage pro for projectownersand entered

16 Caisses d’Epargne

€412.4bn in deposits and savings

€253.3bn in loan outstandings

4.8 million cooperative shareholders

€7.1bn in net banking income

20.2 million customers

36,100 employees 4,080 branches

consolidatingtheir positions in all markets and ramping up their digital transformation. Loan outstandingsrose 7.3% and deposits and savings 3.2% in ● 2017.

platform created a forum for customers to exchange information and learn about money issues in a hassle-freesetting.

€ 147.1bnin loan outstandings, +8% € 33.8bn in new home loans,+21% € 8bn in newpersonal loans, +11.8% € 332.1bnin deposits and savings, +1.3% € 11.7bn in life insurance inflows A portfolio of5 million non-life insurancepolicies

into a framework agreement with French Ministry for Gender Equality with the goal of seeing women make up at least 40% of business creators by2020.

367,000 professional customers € 3.1bn in new MLTloans, +18.5% (1) € 11.1bn in loan outstandings, +7.7%

Including leases. (1)


Registration document 2017

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