Bond BPCe 2.23% ( FR0013154986 ) in USD

Issuer BPCe
Market price 100 %  ⇌ 
Country  France
ISIN code  FR0013154986 ( in USD )
Interest rate 2.23% per year ( payment 1 time a year)
Maturity 25/04/2021 - Bond has expired



Prospectus brochure of the bond BPCE FR0013154986 in USD 2.23%, expired


Minimal amount /
Total amount /
Detailed description BPCE is a French banking group formed by the merger of several regional banking networks, primarily operating through its two main subsidiaries, Banque Populaire and Caisse d'Epargne.

BPCE, a major French banking group, issued a bond identified by ISIN FR0013154986, which was denominated in USD, bore an annual interest rate of 2.23%, and matured on April 25, 2021, having been fully repaid at its 100% par value.










Final Terms dated 22 April 2016



BPCE

Euro 40,000,000,000
Euro Medium Term Note Programme
for the issue of Notes


SERIES NO: 2016-18
TRANCHE NO: 1
USD 15,000,000 2.23 per cent. Notes due 26 April 2021 (the "Notes")











Dealer
Natixis






PART A ­ CONTRACTUAL TERMS
Terms used herein shall be deemed to be defined as such for the purposes of the conditions (the
"Conditions") set forth in the base prospectus dated 18 November 2015 which received visa n°15-588 from
the Autorité des marchés financiers (the "AMF") on 18 November 2015 (the "Base Prospectus") and the
supplements to the Base Prospectus dated 29 February 2016 and 5 April 2016 which received visa n°16-062
on 29 February 2016 and n°16-118 on 5 April 2016 (the "Base Prospectus Supplements"), which together
constitute a base prospectus for the purposes of the Prospectus Directive (Directive 2003/71/EC), as amended
(the "Prospectus Directive").
This document constitutes the Final Terms of the Notes described herein for the purposes of Article 5.4 of the
Prospectus Directive and must be read in conjunction with such Base Prospectus as so supplemented. Full
information on the Issuer and the offer of the Notes is only available on the basis of the combination of these
Final Terms and the Base Prospectus as so supplemented. The Base Prospectus and the Base Prospectus
Supplements are available for viewing at the office of the Fiscal Agent or each of the Paying Agents and on
the website of the AMF (www.amf-france.org) and copies may be obtained from BPCE, 50 avenue Pierre
Mendès-France, 75013 Paris, France.
1
Issuer:
BPCE
2
(i) Series Number:
2016-18
(ii) Tranche Number:
1
3
Specified Currency or Currencies:
United States Dollar (« USD »)
4
Aggregate Nominal Amount:

(i) Series:
USD 15,000,000
(ii) Tranche:
USD 15,000,000
5
Issue Price:
100 per cent. of the Aggregate Nominal
Amount
6
Specified Denomination:
USD 200,000
7
(i) Issue Date:
26 April 2016

(ii) Interest Commencement Date:
26 April 2016
8
Interest Basis:
2.23 per cent. Fixed Rate
(further particulars specified below)
9
Maturity Date:
26 April 2021
10 Redemption Basis:
Subject to any purchase and cancellation
or early redemption, the Notes will be
redeemed on the Maturity Date at
100 per cent. of their nominal amount
11 Change of Interest Basis:
Not Applicable
12 Put/Call Options:
Not Applicable
13 (i) Status of the Notes:
Senior Notes
(ii) Dates of the corporate authorisations for issuance Decision of the Directoire of the Issuer
of Notes obtained:
dated 27 April 2015 and decision of
Mr. Jean-Philippe Berthaut, Head of Group
2


Funding, dated 12 April 2016

PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
14 Fixed Rate Note Provisions
Applicable
(i) Rate of Interest:
2.23 per cent. per annum payable annually
on each Interest Payment Date
(ii) Resettable:
Not Applicable
(iii) Interest Payment Dates:
26 April in each year commencing on
26 April 2017
(iv) Fixed Coupon Amount:
USD 4460 per Note of USD 200,000
Specified Denomination
(v) Broken Amount:
Not Applicable
(vi) Day Count Fraction:
30/360
(vii) Determination Dates:
26 April in each year
(viii) Payments on Non-Business Days
As per Conditions
15 Floating Rate Note Provisions
Not Applicable
16 Zero Coupon Note Provisions
Not Applicable
17 Inflation Linked Interest Note Provisions
Not Applicable
PROVISIONS RELATING TO REDEMPTION
18 Call Option
Not Applicable
19 Put Option
Not Applicable
20 Final Redemption Amount of each Note
USD 200,000 per Note of USD 200,000
Specified Denomination

Inflation Linked Notes ­ Provisions relating to the
Not Applicable
Final Redemption Amount
21 Early Redemption Amount

(i) Early Redemption Amount(s) of each Note
payable on redemption for taxation reasons
(Condition 6(h)), for illegality (Condition 6(k)) or
on event of default (Condition 9):
USD 200,000 per Note of USD 200,000
Specified Denomination
(ii) Redemption for taxation reasons permitted on
days others than Interest Payment Dates
(Condition 6(h)):
Yes
(iii) Unmatured Coupons to become void upon early
redemption (Materialised Bearer Notes only)
(Condition 7(f)):
Not Applicable


3


GENERAL PROVISIONS APPLICABLE TO THE NOTES
22 Form of Notes:
Dematerialised Notes
(i) Form of Dematerialised Notes:
Bearer form (au porteur)
(ii) Registration Agent:
Not Applicable
(iii) Temporary Global Certificate:
Not Applicable
(iv) Applicable TEFRA exemption:
Not Applicable
23 Financial Centres:
Target, New York, London
24 Talons for future Coupons or Receipts to be attached to

Definitive Notes (and dates on which such Talons

mature):
Not Applicable
25 Details relating to Instalment Notes: amount of each

instalment, date on which each payment is to be made:
Not Applicable
26 Redenomination provisions:
Not Applicable
27 Purchase in accordance with Articles L.213-1 A and

D.213-1 A of the French Code monétaire et financier:
Applicable
28 Consolidation provisions:
Not Applicable
29 Masse:
Contractual Masse shall apply

Name and address of the Representative:
SELARL MCM Avocat represented by
Maître Antoine Lachenaud
10, rue de Sèze
75009 Paris
France

Name and address of the alternate
Representative:
Maître Philippe Maisonneuve
Avocat
10, rue de Sèze
75009 Paris
France
The Representative will receive a
remuneration of Euro 2,000 (excluding
VAT) per year.
RESPONSIBILITY
The Issuer accepts responsibility for the information contained in these Final Terms.
Signed on behalf of BPCE
Duly represented by: Jean-Philippe Berthaut, Head of Group Funding
4


PART B ­ OTHER INFORMATION
1
LISTING AND ADMISSION TO TRADING
(i)
Listing and Admission to Application has been made by the Issuer (or on its behalf) for
trading:
the Notes to be listed and admitted to trading on Euronext
Paris with effect from the Issue Date.
(ii)
Estimate of total expenses
related
to
admission
to
trading:
Euro 3,100
2
RATINGS
Ratings:
Not Applicable
3
INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE ISSUE
Save as discussed in "Subscription and Sale", so far as the Issuer is aware, no person involved in the offer of
the Notes has an interest material to the offer.
4
YIELD
Indication of yield:
2.23 per cent. per annum
The yield is calculated at the Issue Date on the basis of the
Issue Price. It is not an indication of future yield.
5
OPERATIONAL INFORMATION
ISIN:
FR0013154986
Common Code:
139776356
Depositaries:

(i)
Euroclear France to act as
Central Depositary:
Yes
(ii)
Common
Depositary
for
Euroclear and Clearstream
Luxembourg:
No
Any clearing system(s) other than
Euroclear
and
Clearstream,
Luxembourg
and
the
relevant
identification number(s):
Not Applicable
Delivery:
Delivery free of payment
Names and addresses of additional
Paying Agent(s) (if any):
Not Applicable


5


6
DISTRIBUTION
(i)
Method of distribution:
Non-syndicated
(ii) If syndicated:
Not Applicable
(iii) If non-syndicated, name and
address of Dealer:
Natixis
47, Quai d'Austerlitz
75013 Paris
(iv) US Selling

Restrictions(Categories of

potential investors to which the

Notes are offered):
Reg. S Compliance Category 2 applies to the Notes;
TEFRA not applicable

6