Obligation BPCe 1.739% ( FR0013142023 ) en EUR

BPCe

100 % ⇌

France

FR0013142023 ( en EUR )

1.739% par an ( paiement annuel )

28/03/2031

Prospectus brochure de l'obligation BPCE FR0013142023 en EUR 1.739%, échéance 28/03/2031

28/03/2026 ( Dans 323 jours )

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 émise par BPCe ( France ) , en EUR, avec le code ISIN FR0013142023, paye un coupon de 1.739% par an.
Le paiement des coupons est annuel et la maturité de l'Obligation est le 28/03/2031

Final Terms dated 24 March 2016

BPCE

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

SERIES NO: 2016-12
TRANCHE NO: 1
EUR 40,000,000 1.739 per cent. Notes due 28 March 2031

Dealer
DZ BANK AG

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 and the Base Prospectus Supplement dated 29 February
2016 which received visa n°16-062 on 29 February 2016 from the AMF (the "Supplement") 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:
2016-12
(ii)
Tranche Number:
1
3. Specified Currency or Currencies:
Euro ("EUR")
4. Aggregate Nominal Amount:

(i)
Series:
EUR 40,000,000
(ii)
Tranche:
EUR 40,000,000
5. Issue Price:
100.00 per cent. of the Aggregate Nominal Amount
6. Specified Denomination(s):
EUR 100,000
7. (i)
Issue Date:
30 March 2016

(ii)
Interest Commencement Date:
Issue Date
8. Interest Basis:
1.739 per cent. Fixed Rate
(further particulars specified below)
9. Maturity Date:
28 March 2031
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 Decision of the Directoire of the Issuer 27 April 2015 and
for issuance of Notes obtained:
decision of Mr. Jean-Philippe Berthaut, Head of Group
Funding, dated 17 March 2016
PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
14. Fixed Rate Note Provisions
Applicable
(i)
Rate of Interest:
1.739 per cent. per annum payablein arrear on each Interest
Payment Date
(ii) Resettable:
Not Applicable
(iii) Interest Payment Dates:
28 March in each year commencing on 28 March 2017 to
and including the Maturity Date
For the avoidance of doubt, the Interest Period from (and
including) 30 March 2016 to (but excluding) 28 March
2017 will be short.
(iv) Fixed Coupon Amount:
EUR 1,739 per Note of EUR 100,000 Specified
Denomination subject to "Broken Amount" referred to in
subparagraph (v) below
(v) Broken Amount(s):
An amount corresponding to 1.72947 per cent. of the
Specified Denomination payable on the Interest Payment
Date falling on 28 March 2017
(vi) Day Count Fraction:
Actual/Actual (ICMA)
(vii) Determination Dates:
28 March in each year
(x) 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(h)), for
illegality (Condition 6(k)) or on event
of default in the case of the Senior EUR 100,000 per Note of EUR 100,000 Specified
Notes (Condition 9):
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
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 Not Applicable
attached to Definitive Notes (and dates on
which such Talons mature):
25. Details relating to Instalment Notes: amount Not Applicable
of each instalment, date on which each
payment is to be made:
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:
MCM AVOCAT, Selarl d'avocats interbarreaux inscrite au
Barreau de Paris
10, rue de Sèze
75009 Paris
France
Represented by Maître Antoine Lachenaud, Co-gérant
associé

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

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 EUR 7,600
to admission to trading:
2.
RATINGS
Ratings:
The Notes to be issued are expected to be rated:
S & P: A
S&Pis 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.
YIELD
Indication of yield:
1.739 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:
FR0013142023
Common Code:
138640035
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 of payment
Names and addresses of additional

Paying Agent(s) (if any):
Not Applicable
7.
DISTRIBUTION

(i) Method of distribution:
Non-syndicated

(ii) If syndicated:

(iii) If non-syndicated, name and
DZ BANK AG Deutsche Zentral-Genossenschaftsbank,
address of Dealer:
Frankfurt am Main

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