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Caisse d’Epargne et de Prévoyance de Picardie – Banque coopérative régie par les articles L.512-85 et suivants du Code monétaire et financier, Société Anonyme à Directoire et Conseil d’Orien-tation et de Surveillance – Capital social de 268 492 540 euros – Siège social : 8, rue Vadé, 80064 Amiens cedex 9 – 383 000 692 RCS Amiens – SIRET 383 000 692 02257 – Code NAF 6419 ZN° TVA intracommunautaire FR34383000692 - Intermédiaire d’assurance, immatriculé à l’ORIAS sous le numéro 07 008 031 – Titulaire de la carte professionnelle « Transaction sur immeubleset fonds de commerce sans perception de fonds, effets ou valeurs » n° 267 délivrée par la Préfecture de la Somme, garantie financière : CEGC, 128, rue La Boétie, 75378 Paris cedex 08.

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caisse-epargne.fr/picardie

Cover photo : Caissed’Epargne Picardie

home office inAmiens.

Anaïs Panier,Project Manager,Businesses for

Caisse d’EpargnePicardie.

Photos © Benjamin Teissedre / Comdesimages

DEEPLY ROOTED IN THE HEARTOF PICARDY

Caisse d’Epargne Picardie is

headquartered in the heart of the city of

Amiens, in the Gare la Vallée district, a

rapidly changing area these days. By the

year 2017, this district is programmed to

host a blend of leading-edge activities,

innovative housing projects, state-of-the-

art facilities and new public spaces.

CAISSE D’EPARGNE PICARDIE

Yves Hubert

Chairman of the

Steering and Supervisory Board

A BANK THAT STANDS BY

ITS VALUESA cooperative bank held by over 120,000 customer-

members, Caisse d’Epargne Picardie shares in the

economic and social stakes of its territory. We assist our

clients – private individuals, professionals, businesses

and local authorities – in their projects and therefore

contribute in promoting the economic development of

our region and improving its living environment.

Committed to maintaining a close relationship based on

listening to its clients, Caisse d’Epargne Picardie has

skilfully anticipated evolutions in order to adapt to the

demands of its environment and to achieve a steady

growth.

Solidarity is a fundamental value of our cooperative

model. Thus, we take an active part in the fight against

all forms of exclusion and we finance 50% of microloans

in Picardy. Through our foundation, "Learning, working

and living in Picardy", we assist those associations that

provide support to the most vulnerable population

groups in our region.

For all the above reason, I remain convinced that all

conditions are met for Caisse d’Epargne Picardie to

prove ever more enterprising and supportive

throughout its territory.

Laurent Roubin

Directory Chairman

ATTRACTIVE, INNOVATIVE

AND COMMITTEDIn order to keep ever closer to its clients, Caisse

d’Epargne Picardie invests in the future.

Both as a cooperative bank and a major regional

business, we are committed to establishing long-lasting

relationships with our clients and our territory, by

refusing any form of short-term policy. Therefore, we

are deeply gratified by the fact that an ever-increasing

number of private individuals, professionals,

businesses and institutional bodies have placed their

trust in Caisse d’Epargne Picardie

At a very early stage, we developed innovation not as an

end per se but because it nurtures a qualitative

relationship with our clients : by making available

extended expertise in financial, legal or fiscal

engineering in support of legacy or investment

schemes; and also by continued investments in our

technological tools, so that each of our clients might

benefit from the best solutions in his contacts and

dialog with his bank.

To end with something I am particularly proud of, I wish

to emphasize the constant commitment of our 1,200

staff members to the excellence of their client

relationship. It is thanks to them that our bank will keep

on making a difference.

We provide daily assistance to private individuals, pro-

fessionals, businesses and institutional bodies in their

investment and savings projects and in ensuring their

financial protection.

Our 1,200 staff members in Picardy bring together all

the skills that will allow to work out the solutions

adapted to our clients’ projects, whatever their size.

As a fully-fledged regional bank, we make all our deci-

sions in Picardy and are thus able to respond swiftly

and responsibly to our clients.

As a cooperative bank, we belong to our 120,000 custo-

mer-members spread out over the whole territory; our

customer-members guarantee a balanced sustainable

development.

DECISION-MAKINGIN PICARDY

114 AGENCIES IN PICARDY

The La Victoire agency in Compiègne

(Oise), is one of the 114 agencies

scattered throughout the territory. As a

regional bank, Caisse d’Epargne Picardie

works closely with its clientele, in both

urban and rural environments.

CAISSE D’EPARGNE PICARDIE

600,000 PRIVATE CLIENTS

20,000 BUSINESS AND

PROFESSIONAL CLIENTS

5th

PRIVATE EMPLOYER IN THE REGION

Pascal Brian andAlain Prouff in aDirectory meetingin Amiens.

77

We offer all our clients a personalized advisory rela-

tionship and a global approach of the family’s needs

and projects.

As partners of our clients in banking and insurance, we

stand by them in every key stage of their lives.

Our clients can access their bank as and when they

wish, they can open an account, subscribe to a savings

or credit product, by appointment with the agency, by

phone, e-mail, internet, or by means of the mobile ap-

plication. At any time, their counsellor or an expert

advisor is available to meet and assist them.

For our clients, we combine the best of a human rela-

tionship and the best of a digitalized world.

INNOVATINGFOR OURCLIENTS

MONBANQUIERENLIGNE

For our many clients whooperate outside Picardy, we offera 100% online direct bankingservice. They are assisted by thesame quality of counselling asthat which is offered in anagency and provided with all theexpertise required to answertheir every need.

114AGENCIES

1ONLINE AGENCY

5BUSINESS CENTERS

9

CAISSE D’EPARGNE PICARDIE

A remoterelationshipprovides greatflexibility forCaroline Gouilly,an active womanand mother.

FACILITATING THE RELATIONSHIPWITH OUR CLIENTS

Innovation lies at the heart of our

agencies. Laetitia Monteiro, Business

Advisor with the agency in Senlis (Oise),

assists Christina Roxo in the use of the

reception terminal.

11

We finance the regional

economy

We provide a concrete support to the economy of Picardy

by financing the projects of our clients, whether private

individuals, professionals, businesses or institutional

bodies.

Because we are a major economic player all over the

region, because we decide locally, we gauge and share

in the stakes of the industrial and social development

of Picardy.

As a regional bank, every euro deposited or invested in

Caisse d’Epargne Picardie by our clients is thus reinvested

in projects that contribute to the economic development

of the region.

The 30% progression of our outstanding loans over 5

years thus testifies to the growing trust our ever-in-

creasing clientele of private individuals, professionals

and businesses keeps granting us.

INVESTINGIN PICARDY

INNOVATION AND GREENBUSINESS

Christophe Baudelet (right), CEO of

Cogénération Biomasse d’Estrées-Mons

(CBEM) guides Pascal Lefort, Assistant

Manager Businesses, Institutional bodies

and Key accounts with Caisse d’Epargne

Picardie, on a tour of the site. Caisse

d’Epargne Picardie finances flagship

projects in the territory’s promising

growth sectors (food industry,

aeronautics and renewable energies).

1,5 BILLION

IN LOANS EACH YEAR

12

Business banker, partner and

investor

We leverage all our skills in the professional sectors, in

associations, businesses, institutional bodies and private

management in order to offer a high quality of service

to our clients, both for their daily banking needs and for

their development project.

Our experts assist Picard export companies in safe-

guarding their activity and their international growth.

We provide our know-how to businesses that invest in

the territory, in debt management for major growth

projects.

Our subsidiaries, Picardie Capital and Picardie Foncière,

invest in the equity of talented developing companies

as well as in corporate real estate, commercial or lo-

gistical.

Private banker

Our forty specialists in Private Management and Wealth

Management are mobilized to provide the best answers

to the legacy projects of all our clienteles. Their

assistance may be provided in collaboration with outside

partners : lawyer, notary public, chartered accountant

or tax adviser.

We also offer personalized expertise for corporate

leaders, integrating the twofold aspect of professional

and personal life.

1 BUSINESSOUT OF 5

A CLIENT

6.3BILLION

IN OUTSTANDING LOANS

11BILLION

IN DEPOSITS AND CLIENTINVESTMENT

Hugues Savoyen,Professional

Clientele Managerwith Caisse

d’Epargne Picardie,assists our clients in

the professions,both for the

professional andprivate sides.

Hervé Petit,Manager for Francewith LeMaîtreVascular, regularlymeets GiuseppeCarlone, GroupDirector for WealthManagement withCaisse d’EpargnePicardie.

CAISSE D’EPARGNE PICARDIE

13

We hold the region's social respon-

sibility at the very heart of our

professions. We uphold a policy of

patronage and active solidarity in

favour of our territory and its inha-

bitants.

Our policy of responsible and caring

purchasing is based on a trusting

relationship. As far as possible, we

work with local suppliers and pay

the utmost care to their social and

environmental performance.

GETTING INVOLVEDIN PICARDY

15

RESPONSIBLE PROCUREMENT

Patrick Allais, Logistics Manager with

Caisse d’Epargne Picardie, has entrusted

mail insertion tasks to Picardie Ateliers

Amiens, managed by Christian Hennerez.

Strongly involved in the "adapted and

protected" sector for disabled workers,

Caisse d’Epargne Picardie regularly resorts

to ESAT (Assistance through Employment

Establishments and Services) and EA

(Adapted Businesses) within the framework

of its responsible procurement policy.

SUPPORTINGTALENTS

Taking an active part in the

region’s cultural influence

Each year, we support quality initiatives and players

who bring life to our region. In this way, we provide

access to prestige musical events in the main cities of

Picardy.

We assist young talents with the help of the association

Talents et Violoncelles, by making available a high-

quality cello to a young local to accompany him throughout

his musical evolution.

We are also a member of the circles that sponsor the

Chantilly Estate, the Picardy Museum, Amiens Cultural

Centre and Compiègne’s Imperial Theatre

OUR PASSIONFOR REGIONALSPORTS

From initiation tocompetition, wesupport sportingevents and the ice-hockey teams inAmiens, basketball inSt Quentin andfootball in Beauvais.

16

A strongly-affirmed social

responsibility

The commitment of our foundation "Learning, Working

and Living in Picardy" can be found in our support

for such public interest topics as basic skills training,

career training, finding or creating jobs, autonomy

of the elderly, ill or disabled citizens, mobility and

housing.

Through our Parcours Confiance social microcredit

schemes for private individuals and professionals, we

provide a banking support for people who are denied

the traditional bank financing

schemes.

Pedagogy and financial education

are also part of our role in society.

Our Finances et Pédagogie teams

conduct among young people and

vulnerable groups a number of awa-

reness and training seminars on fa-

mily budget management and ban-

king custom.

1.5 MILLIONEUROS DEDICATED

TO OUR PATRONAGE ANDSOLIDARITY DRIVES

50%OF MICROLOANS IN

PICARDY

The Caissed’Epargne PicardieFoundation allotteda 5,000 € grant tothe Bohain enVermandois (Aisne)Social and CulturalCentre, in thecontext of the "Youthand Health" call forprojects.

Sabine Cazenave,curator of Amiens-Métropole Museums,shows Claire Delsart,in charge of externalcommunication forCaisse d’EpargnePicardie, the muralfresco designed bySol Lewitt, anAmerican artist.

The cello financed by Caisse d’Epargne Picardie wasentrusted for a 2-year stint to Gustave Bourgeois,from Clermont (Oise).

CAISSE D’EPARGNE PICARDIE

17

The fortified churchat Flavigny-le-Grand-et-Beaurain (Aisne).