BPCE_REGISTRATION_DOCUMENT_2017

1 PRESENTATION OF GROUPE BPCE Groupe BPCE's business lines

Banque Palatine Banque Palatine hassupported ISEs (1) and their management formore than230 years.It develops relationships rooted in high value-added bespoke advisory servicesand solutionswith eachof its customers.

12,000 corporate customers

€16.5bn in deposits and savings

66,000 private banking clients

€8.7bn in loan outstandings

1,173 employees

€4.3bn in assets under management

50 branches

In 2017 Banque Palatine finalized its 3-year strategic plan, ● 2014-2017 (Driven to Achieve in 2014-2017).Of the 49 projects undertaken, 36were finalized and10 are currently under way. It continued the process of digitally converting its offers, rolled ● out an internal social network and created a Chief Data Officer position. A new intra-groupsynergy was developedwith the migration of ● securities management o the NatixisEuroTitres platform. Corporate customers Banque Palatine has expanded its business with corporate customersgeneratingover € 15 million in revenue by 4 points in as many years, achieving a penetration rate of 10.7%, driven by a highly targeted communication campaign. New medium and long-term loans, and the arrangement and distribution of financing solutions made strong gains in 2017, buoyed by the creation of a Structured Financing Department tasked with providing ISEs with appropriate development solutions.

Impulsions

The life insurance process and documentary credit sales were ● partially digitized. Banque Palatine obtained the Professional Gender Equality ● certificationawarded by AFNOR and renewed its support for the Sciences Po “conventionsd’éducationprioritaire”programaimed at promoting the entry into employment of recent graduates from modest-income social backgrounds or priority areas.

The digital offer was expanded to include a mobile app for corporate customers, ePalatine mobile entreprises . Corporations operating internationally were pleased with the new ePalatine Trade app. Banque Palatine has risen in the ranks to become a leading bank for real estate managers and is consolidating its positions in the film and television sector.

Private banking clients The bank stepped up the pace of client acquisitionin the private banking segment,particularlyamong CEOs also using Banque Palatine as their personal bank. 2017 recorded a substantial gain in off-balance sheet deposits and savings inflows, new home loans and synergies across GroupeBPCE. Asset management Palatine Asset Management applies a conviction-basedportfolio management approach regularly acknowledgedfor its performance. In 2017, L'Agefi recognized Palatine Immobilier for its balanced risk/reward over a 5-year period and three of its funds received SRI certification for 3 years: PalatineActionsDéfensivesEuro,PalatineOr Bleu and thenew fund PalatineEntreprisesFamilialesISR .

Intermediate-sized enterprises. (1)

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Registration document 2017