4th quarter and full-year of 2016 results of Groupe BPCE

The Group’s long-term senior preferred debt is rated by four financial rating agencies: Moody’s (A1, outlook stable), S&P (A+, outlook stable), Fitch (A+, outlook stable) and R&I (A, outlook positive). Groupe BPCE, the second-largest banking group in France, includes two independent and complementary cooperative commercial banking networks: the network of 14 Banque Populaire banks and the network of 15 Caisses d’Epargne. The Group is active in the fields of medium-sized company financing and private banking, notably through Banque Palatine, and in the area of real-estate financing through Crédit Foncier. It is a major player in Asset & Wealth Management, Insurance, Corporate & Investment Banking and Specialized Financial Services with Natixis. Through its 106,500 employees, Groupe BPCE serves a total of 31 million customers and enjoys a strong local presence in France with 7,800 branches and 9 million cooperative shareholders. The Group’s long-term senior preferred debt is rated by four financial rating agencies: Moody’s (A1, stable outlook), S&P (A+, stable outlook), Fitch (A+, stable outlook) and R&I (A, positive outlook).

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