Obligation BPCe 3% ( FR0011689579 ) en EUR

Société émettrice BPCe
Prix sur le marché 100 %  ⇌ 
Pays  France
Code ISIN  FR0011689579 ( en EUR )
Coupon 3% par an ( paiement annuel )
Echéance 19/07/2024 - Obligation échue



Prospectus brochure de l'obligation BPCE FR0011689579 en EUR 3%, échue


Montant Minimal /
Montant de l'émission /
Description détaillée BPCE est un groupe bancaire coopératif français, deuxième acteur bancaire en France, composé notamment des réseaux bancaires Caisse d'Epargne et Banque Populaire.

Un instrument obligataire, identifié par le code ISIN FR0011689579, émis par BPCE, a récemment achevé son cycle de vie financier en atteignant sa maturité et en étant remboursé intégralement. Cette obligation, libellée en euros (EUR) et émise en France, offrait un taux d'intérêt annuel de 3% avec une fréquence de paiement unique par an, et sa date d'échéance, fixée au 19 juillet 2024, a été atteinte, entraînant son remboursement à 100% de sa valeur nominale sur le marché. L'émetteur, BPCE, est un acteur majeur du paysage bancaire français, constituant le deuxième groupe bancaire de France, issu de la fusion des groupes Banque Populaire et Caisse d'Épargne ; il opère à travers un vaste réseau de banques de détail, d'assurances et de gestion d'actifs, soulignant sa robustesse et sa position systémique dans l'économie nationale et européenne, le remboursement intégral de cette obligation témoignant de la bonne exécution de ses engagements financiers envers les porteurs, concrétisant ainsi l'opération de retour du capital investi.








Final Terms dated 16 January 2014


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






SERIES NO: 2014-05
TRANCHE NO: 1

Euro 750,000,000 3.00 per cent. Notes due July 2024 (the "Notes")
issued by BPCE





Lead Manager
NATIXIS

Senior Co-Lead Managers
ERSTE GROUP BANK AG
SWEDBANK AB (PUBL)

Co-Lead Manager
DEKABANK



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 22 November 2013 which received visa n°13-629 from the Autorité des marchés
financiers (the "AMF") on 22 November 2013 and the Base Prospectus Supplement dated 14 January 2014 which
received visa n°14-010 from the AMF on 14 January 2014which together constitute a base prospectus for the
purposes of the Prospectus Directive (Directive 2003/71/EC) (the "Prospectus Directive") as amended (which
includes the amendments made by Directive 2010/73/EU to the extent that such amendments have been
implemented in a Member State of the European Economic Area).
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 Supplement 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:
2014-05
(ii)
Tranche Number:
1
(iii) Date on which the Notes become

fungible:
Not Applicable
3. Specified Currency or Currencies:
Euro
4. Aggregate Nominal Amount:

(i)
Series:
Euro 750,000,000
(ii)
Tranche:
Euro 750,000,000
5. Issue Price:
99.435 per cent. of the Aggregate Nominal Amount
6. Specified Denomination(s):
Euro 100,000
7. (i)
Issue Date:
20 January 2014

(ii)
Interest Commencement Date:
20 January 2014
8. Interest Basis:
3.00 per cent. Fixed Rate
(further particulars specified below)
9. Maturity Date:
19 July 2024
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
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11. Change of Interest Basis:
Not Applicable
12. Put/Call Options:
Not Applicable
13. (i)
Status of the Notes:
Unsubordinated Notes
(ii)
Dates of the corporate authorisations Decision of the Directoire of the Issuer dated 3 June 2013
for issuance of Notes obtained:
and decision of Jean-Philippe Berthaut, Head of Group
Funding, dated 9 January 2014
PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
14. Fixed Rate Note Provisions
Applicable
(i) Rate of Interest:
3.00 per cent. per annum payable in arrear on each Interest
Payment Date
(ii) Interest Payment Date(s):
19 July in each year commencing on 19 July 2014. There
will be a short first coupon in respect of the first Interest
Period, from, and including, the Interest Commencement
Date up to, but excluding, 19 July 2014
(iii) Fixed Coupon Amount:
Rate of Interest x Specified Denomination x Day Count
Fraction per Specified Denomination to the provisions of
paragraph « Broken Amount(s) » below
(iv) Broken Amount(s):
Euro 1,479.45 per Euro 100,000 in nominal amount to be
paid on the first Interest Payment Date
(v) Day Count Fraction:
Actual/Actual (ICMA)
(vi) Determination Dates:
19 July in each year
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:
Euro 100,000 per Note of Euro 100,000 Specified
Denomination
Inflation Linked Notes ­ Provisions relating

to the Final Redemption Amount:
Not Applicable
21. Early Redemption Amount

(i)
Early Redemption Amount(s) of each
Note payable on redemption for
taxation reasons (Condition 6(g)), for
illegality (Condition 6(j)) or on event
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of default (Condition 9):
Euro 100,000 per Note of Euro 100,000 Specified
Denomination
(ii)
Redemption for taxation reasons
permitted on days others than Interest
Payment Dates (Condition 6(g)):
Yes
(iii) Unmatured Coupons to become void
upon early redemption (Materialised
Bearer Notes only) (Condition 7(f)):
Not Applicable
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 Centre(s):
Not Applicable
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 Article 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:
Mr. Sylvain THOMAZO
20, rue Victor Bart
78000 Versailles
France
Name and address of the alternate Representative:
Mrs. Sandrine D'HAUSSY
69, avenue Gambetta
94100 Saint Maur des Fosses
France
The Representative will receive a remuneration of
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Euro 2,000 (excluding VAT) per year.
GENERAL

30. The aggregate principal amount of Notes

issued has been translated into Euro at the

rate of [·] producing a sum of:
Not Applicable
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
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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 20 January 2014.
(ii) Estimate of total expenses

related to admission to trading:
Euro 12,000

2.
RATINGS
Ratings:
The Notes to be issued are expected to be rated:
S&P: A
Moody's: A2
Fitch: A
Each of S&P, Moody's and Fitch is established in the European
Union and registered under Regulation (EC) No 1060/2009, as
amended.
3.
NOTIFICATION
Not Applicable
4.
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.
5.
REASONS FOR THE OFFER, ESTIMATED NET PROCEEDS AND TOTAL EXPENSES


(i) Reasons for the offer:
See "Use of Proceeds" wording in Base Prospectus
(ii) Estimated net proceeds:
Euro 742,912,500
(iii) Estimated total expenses:
Euro 12,000
6.
YIELD
Indication of yield:
3.065 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.
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7.
OPERATIONAL INFORMATION
ISIN Code:
FR0011689579
Common Code:
101603059
Depositaries:

(i)
Euroclear France to act as
Central Depositary:
Yes
(ii)
Common Depositary for
Euroclear and Clearstream
Luxembourg:
Yes
Any clearing system(s) other than
Euroclear and Clearstream,

Luxembourg and the relevant
identification number(s):
Not Applicable
Delivery:
Delivery against payment
Names and addresses of additional

Paying Agent(s) (if any):
Not Applicable
8.
DISTRIBUTION
(i)
Method of distribution:
Syndicated


(ii) If syndicated:

(A) Names of Managers:
Lead Manager

NATIXIS
Senior Co-Lead Managers
Erste Group Bank AG
Swedbank AB (publ)
Co-Lead Manager
DekaBank Deutsche Girozentrale
(B) Stabilising Manager(s) if any:
Not Applicable


(iii) If non-syndicated, name of

Not Applicable
Dealer:
(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

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Document Outline