BPCE_REGISTRATION_DOCUMENT_2017

1 PRESENTATION OF GROUPE BPCE Groupe BPCE's business lines

Specialized Financing NatixisFinancementdevelopsrevolvingloan solutionsand manages consumer loans. New loans amounted to € 11.3 billion, up +9% year-on-year,whileloan outstandings totaled € 22.7 billion. Natixis Lease provides a full range of non-real estate and real estate leases, operatingleases (with or without the option to buy), IT leases and renewable energy financing solutions through its subsidiary NatixisEnergeco. CréditCoopératifleasingcompaniesBati Lease and Inter-Coopwere sold to NatixisLease. Combined,they representover 133,000leases and outstandings of € 12.9 billion. Natixis Factor develops factoring solutions for companies of all sizes. Factored receivables stood at € 53 billion, up 18% year-on-year.The Activ’Tréso digital service was launched in 2017 and offers SMEs areal-time, personalized diagnostic review of their credit management solutions as well as recommendations to optimizetheir cash flow. Compagnie Européenne de Garanties et Cautions (CEGC) secures € 147.3 billion in home loans for individuals,up +15%comparedto

2016, and issues guarantees totaling € 7.1 billion for real estate managers(+11%).It issued over 90,000guarantees in2017. CEGC obtainedthe necessaryapprovalsin 2017 to issue guarantees in 11 Europeancountries. Natixis Coficiné finances the full range of audio-visualprofessions. It granted new loans totaling € 580 million in 2017. Operating in 17 countries, it notably financed TV series and films produced in Canada and theUS this year. Itis No. 1 in Europe (1) .

No. 1 in realestate leasingin France (1) No. 2 in home loan guarantees in France (1)

No. 3 in consumer finance (1) and factoring in France (1) No. 1 in filmand audiovisual financing in Europe (1)

Internal analysis. (1)

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Registration document 2017