Obligation BPCe 1.135% ( FR0012612653 ) en EUR

BPCe

100 % ⇌

France

FR0012612653 ( en EUR )

1.135% par an ( paiement annuel )

13/03/2025 - Obligation échue

Prospectus brochure de l'obligation BPCE FR0012612653 en EUR 1.135%, échue

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BPCE est un groupe bancaire coopératif français, deuxième acteur bancaire en France, composé notamment des réseaux bancaires Caisse d'Epargne et Banque Populaire.

L'obligation de type 'Obligation' portant le code ISIN FR0012612653, émise par BPCE ? un acteur bancaire et financier majeur en France, constituant le deuxième groupe bancaire français né du rapprochement des Caisses d'Epargne et des Banques Populaires et jouant un rôle central dans le financement de l'économie nationale par ses services diversifiés de banque de détail, de financement et d'investissement, ainsi que d'assurance ?, et dont le pays d'émission est la France, libellée en EUR, offrant un taux d'intérêt de 1,135% avec une fréquence de paiement annuelle, a récemment atteint sa maturité fixée au 13 mars 2025, période à laquelle son prix sur le marché était de 100%, confirmant ainsi son remboursement intégral aux porteurs de titres.

Final Terms dated 11 March 2015

BPCE

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

SERIES NO: 2015-12
TRANCHE NO: 1
Euro 50,000,000 1.135 per cent. Notes due 13 March 2025 (the "Notes")
issued by BPCE

Dealer
J.P. Morgan

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 20 November 2014 which received visa n°14-610 from the Autorité des marchés
financiers (the "AMF") on 20 November 2014 and the Base Prospectus Supplement dated 3 March 2015 which
received visa n°15-071 from the AMF on 3 March 2015 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 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:
2015-12
(ii)
Tranche Number:
1
3. Specified Currency or Currencies:
Euro ("EUR")
4. Aggregate Nominal Amount:

(i)
Series:
EUR 50,000,000
(ii)
Tranche:
EUR 50,000,000
5. Issue Price:
100.00 per cent. of the Aggregate Nominal Amount
6. Specified Denomination(s):
EUR 100,000
7. (i)
Issue Date:
13 March 2015

(ii)
Interest Commencement Date:
Issue Date
8. Interest Basis:
1.135 per cent. Fixed Rate
(further particulars specified below)
9. Maturity Date:
13 March 2025
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:
Unsubordinated Notes
(ii)
Dates of the corporate authorisations Decision of the Directoire of the Issuer dated 28 April
for issuance of Notes obtained:
2014 and decision of Mr. Jean-Philippe Berthaut, Head of
Group Funding, dated 5 March 2015.
PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
14. Fixed Rate Note Provisions
Applicable
(i)
Rate of Interest:
1.135 per cent. per annum payable in arrear on each
Interest Payment Date
(ii)
Interest Payment Date(s):
13 March in each year commencing on 13 March 2016
(iii) Fixed Coupon Amount:
Not Applicable
(iv) Broken Amount(s):
Not Applicable
(v)
Day Count Fraction:
Actual/Actual
(vi) Determination Dates:
Not Applicable
(ix) 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
EUR 100,000 per Note of EUR 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
of default (Condition 9):
EUR 100,000 per Note of EUR 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 Applicable
A and D.213-1 A of the French Code
monétaire et financier:
28. Consolidation provisions:
Not Applicable
29. Masse:
Contractual Masse shall apply
Name and address of the Representative:
Mr. Philippe DUPUIS
9, rue du Débarcadère
F-93500 Pantin
France
Name and address of the alternate Representative:
Mr. Pierre JOND
9, rue du Débarcadère
F-93500 Pantin
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

PART B OTHER INFORMATION
1.
LISTING AND ADMISSION TO TRADING

(i) Listing and Admission to trading:
Application has been made by the Issuer (or on its behalf) for
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 5,250
2.
RATINGS
Ratings:
Not Applicable
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.
YIELD
Indication of yield:
1.135 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.
6. OPERATIONAL INFORMATION
ISIN:
FR0012612653
Common Code:
120222660
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 Not Applicable
Euroclear and Clearstream, Luxembourg
and
the
relevant
identification
number(s):
Delivery:
Delivery against payment
Names and addresses of additional

Paying Agent(s) (if any):
Not Applicable
10.
DISTRIBUTION

(i)
Method of
Non-syndicated

distribution:

(ii) If syndicated:

(A) Names of Managers:
Not Applicable

(B) Stabilising
Not Applicable

Manager(s) if any:

(iii) If non-syndicated,
J.P. Morgan Securities plc

name and address of
25 Bank Street
Dealer:
London E14 5JP

(iv) US Selling
Reg. S Compliance Category 2 applies to the Notes;
Restrictions(Categories of
TEFRA not applicable
potential investors to
which the Notes are
offered):