BPCE_REGISTRATION_DOCUMENT_2017

1 PRESENTATION OF GROUPE BPCE Presentation of Groupe BPCE

Presentation of Groupe BPCE 1.1

Groupe BPCE is the second largest banking group in France (1) , with its two leading brands, Banque Populaire and Caisse d’Epargne. Its 106,500 employeesserve 31 million customers,9 million of whom are cooperative shareholders. The Group’s companies adapt their banking business as closely as possible to the needs of individuals and regions. With 14 BanquePopulairebanks, 16 Caisses d’Epargne,Natixis,Crédit Foncier, Banque Palatine and BPCE International,Groupe BPCE offers its customers an extensive range of products and services, including solutions in savings, placement, cash management, financing, insurance and investment. In keeping with its cooperative structure, the Group builds long-termrelationshipswith its customersand helps them achieve their goals, and as such finances over 20% of the French economy.

Its full-service banking model is based ona three-tier structure: the two cooperative networks with the Banque Populaire banks ● and Caisses d’Epargne,which are central players in their respective regions; BPCE, the central institution, responsible for the Group’s strategy, ● control and coordination; the BPCE subsidiaries, including Natixis, Crédit Foncier, Banque ● Palatine and BPCE International. In addition, all credit institutionsaffiliatedwith BPCE are covered by a guarantee and solidarity mechanism. The scope of affiliated entities is mainly comprised of the Banque Populaireand Caisse d’Epargne networks andNatixis.

GROUPE BPCE SIMPLIFIED ORGANIZATION CHART ➡

9 MILLION COOPERATIVE SHAREHOLDERS

100% *

100%

50%

50%

BPCE SA

100%

71%

29%

* Indirectly through Local Savings Compagnies.

FLOAT

Market share: 21.6% of on-balance sheet customer deposits & savings and 21.1% of customer loans (Source: Banque de France Q3 2017 – all non-financial customers combined). (1)

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Registration document 2017