BPCE_REGISTRATION_DOCUMENT_2017

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

GROUPE BPCE NACRE (1) TOP-UP LOANS ➡

New loans in 2017

New loans in 2016

New loans in 2015

Change 2016-2017

Number

Payments

Issuing network (in euros) GROUPEBPCETOTAL (1)

Number

Payments

Number

Payments

Number

Payments

1,611 56,646,749

2,819 95,835,873

2,835 95,900,048

(43%)

(41%)

Caissesd’Epargne,BanquePopulairebanks,CréditCoopératifincluded. (1)

In 2017, Groupe BPCE granted € 56.6 million in top-up loans to regionalizationof public aid, but the group consolidated its market entrepreneurs benefiting from the “NACRE” scheme ( Nouvel share at 34% of the total amount of issued loans. Finally, it bolstered accompagnementà la création et à la reprise d’entreprise – new its position as the No. 1 banking group to partner with platformsrun support mechanismsfor business creation). The steep drop compared by Initiative France, which estimates (2) that it distributed more than to 2016 reflected a change in financial center structure with the € 345 million intop-uploans to supplementstart-up loansin 2017.

TOP-UPS FOR START-UP LOANS PROVIDED BY INITIATIVE FRANCE (ESTIMATE AT 01/30/2017) ➡

New loans in 2017

New loans in 2016

New loans in 2015

Change 2016-20167

Number

Payments

Issuing network (in euros) GROUPEBPCETOTAL (1)

Number

Payments

Number

Payments

Number

Payments

4,835 345,500,000

5,123*336,187,854*

5,303*335,968,807*

(6%)

3%

Caissesd’Epargne,BanquePopulairebanks,CréditCoopératifincluded. (1) The estimated2015and 2016 figurespublishedin the 2015and 2016registrationdocumentshavebeenupdatedwith the actual2016and 2015 figures. *

youth programs and other activities for ADIE’s young beneficiaries. The Banque Populaire banks and their federationare also partners of MicroloanWeek. Additionally,the Banque Populaire banks and ADIE co-foundedthe “Jeune CréadieBanque Populaire”award, given out in the local regions and at a national level to young people developing entrepreneurial projects. Under a three-year framework agreement between ADIE and the FNBP covering the 2016-2018 period, the Banque Populaire network intends this partnership to continue over the long term. The FNBP, representedby its Chief ExecutiveOfficer, is Finally, the Banque Populaire banks granted € 246 million in top-ups for start-up loans requiring no personal guarantees under the Initiative France program, and most of these banks have set up agreementswith incubatorFrance Active, generating € 38.2 million in secured loans. Crédit Coopératif is one of the top players in the personal microloan segment through its strong commitmentto support networks (ADIE, the French Red Cross, Secours Catholique,Missions Locales, etc.) and a partnership between its subsidiary BTP Banque with Pro-BTP (a social protection agency for construction workers) to enable apprentices inthe construction sector to buy a vehicle. a member of ADIE’s Boardof Directors.

Banque Populaire initiatives

The BanquePopulairebanks have establishedclose ties with networks that encourage business creation and economic organizations throughoutthe French regions, includingADIE (French associationfor the right to economic initiative), Initiative France, France Active, Réseau Entreprendre,BGE (formerlyBoutiquesde Gestion), etc. In line with their position, the Banque Populaire banks primarily direct their microfinance initiatives towards professional microloans. In 2017, th anniversary of their partnership. On this occasion, the Banque Populaire banks, represented by their national federation (FNBP), entered into an agreement with Adie to expand their social engagement through volunteerwork, skills sponsorshipand knowledge-sharing.The Banque Populaire network has reaffirmed and strengthened its support for ADIE, and in particularfor young entrepreneurs.This year, with 21.4% of refinancingfacilitiesgrantedto 23.8%of beneficiaries,the Banque Populaire banks consolidatedtheir position as Adie’s No. 1 microloan refinancing institution. The Banque Populaire banks also topped up start-up loans requiring no personal guaranteesfor young people set up by ADIE, and through their federation they co-fundedCréaJeunes Adie and the Banque Populaire banks celebratedthe 20

France Active – Fafi. (1) The estimates were made by Initiative France on the basis of the data provided by 155 platforms (95% of total respondents) on their annual online survey. These data were then extrapolated (2) to the 227 platforms in the network. The survey is availablee from late December to mid-February, and the data collected pertain to the full year (from January 1 to December 31, 2017).

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Registration document 2017