BPCE_REGISTRATION_DOCUMENT_2017

SOCIAL, ENVIRONMENTAL AND SOCIETAL INFORMATION A range of services to meet the challenges facing our customers

Reaching out to protected persons There are currentlyalmost 800,000protectedpersons in France. Caisse d’Epargnehas been committedto helping protectedpersons for 25 years and has becomethe No. 1 bank for personsunder legal guardianshipor supervision,providingdaily supportto one out of three protectedpersons as well astheir legal guardianor representative (1) . Promoting the development of personal and professional microloans, in partnership with support networks (2) with € 503 million in disbursedor refinanced loans issued to 20,157 beneficiaries.These loans qualify as solidarity-basedloans because their approval is not based on standard scoring criteria, particularly for project developers that are out of work or cannot put up personal collateral. To secure the funding for their project, they have access to start-up loans requiring no personal guarantee, government backing and personalized support offered by a solidarity-basedfinance provider, in partnership with a Groupe BPCE credit institution which grants refinancing facilities or top-up loans. A breakdown of these loans is providedbelow. SUMMARY OF MICROLOANS (3) WITH SUPPORT ISSUED BY GROUPE BPCE ➡ Working with support networks In 2017, Groupe BPCE was once again the leading creditor of the three principalmicroloansupport agencies

New loans in 2017

New loans in 2016

New loans in 2015

Change 2016-2017

Number

Amount

Type of loan (in euros)

Number

Amount

Number

Amount

Number

Amount

Personal bankingmicroloans Personal non-bankingmicroloans Secured professional banking microloans, o/w guaranteed by France Active

5,790 15,251,697 1,273 3,860,942

5,554 14,259,435 1,708 4,728,101

5,665 14,664,334 4.2% 7%

1,561

3,729,470 (25.5%)

(18%)

1,984 65,141,491

2,141 63,420,429

2,196 60,627,529 (7.3%)

2.7%

Professionalnon-banking microloans

4,664 17,056,621

5,233 18,445,997

5,587 19,875,971 (10.9%)

(7.5%)

GROUPEBPCETOTAL (CAISSES D’EPARGNE, BANQUE POPULAIRE BANKS, CRÉDIT COOPÉRATIF INCLUDED)

13,711 101,310,751 14,636 100,853,962 15,009 98,897,304 (6.3%)

0.5%

The microloan business (3) of the Banque Populaire banks and the professionalsolidarity-basedloans with support, it held one-third of Caissesd’Epargnehas rankedGroupeBPCE as the leadingFrenchbank the market, i.e. 13,094 loans in a stable customer base of roughly in terms of microloanswith support, recording13,711 microloansfor 40,000 borrowers(financialcenter survey – France Stratégie2014). In a total of € 101 million. In the secured personal microloan segment, 2017, despite the emergence of new players, the Group retained its the group held 34.66% market share at end-2016 (source: 2016 position as market leader (vs. 15,009 loans in 2015 totaling social cohesion fund report). In the broader segment, including other € 98.9 million).

6

https://newsroom.groupebpce.fr/actualites/la-caisse-d-epargne-premiere-banque-des-personnes-protegees-lance-un-film-inedit-a-destination-des-personnes-sous-tutelle-et-curatelle-et- (1) de-leur-famille-3c10-7b707.html#DFb1sDpckpySFHwL.99 Initiative France, France Active and ADIE. (2) Microloans: loans issued to borrowers in vulnerable situations covered by a guarantee and supported by a public interest organization. Caps on funds issued as established by the Lagarde Act (3) of July 1, 2010.

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Registration document 2017