Obligation Groupe BPCE 0.96% ( FR0013176260 ) en EUR

Société émettrice Groupe BPCE
Prix sur le marché 100 %  ⇌ 
Pays  France
Code ISIN  FR0013176260 ( en EUR )
Coupon 0.96% par an ( paiement annuel )
Echéance 27/05/2024 - Obligation échue



Prospectus brochure de l'obligation BPCE FR0013176260 en EUR 0.96%, échue


Montant Minimal 100 000 EUR
Montant de l'émission 20 000 000 EUR
Description détaillée Deuxième groupe bancaire en France, regroupant les réseaux Banque Populaire et Caisse d'Épargne.

L'Obligation émise par Groupe BPCE ( France ) , en EUR, avec le code ISIN FR0013176260, paye un coupon de 0.96% par an.
Le paiement des coupons est annuel et la maturité de l'Obligation est le 27/05/2024







Final Terms dated 25 May 2016



BPCE


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

SERIES NO: 2016-22
TRANCHE NO: 1
EUR 20,000,000 0.96 per cent. Fixed Rate Notes due 27 May 2024 (the "Notes")








Dealer

Merrill Lynch International








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 Supplements dated 29 February 2016, 5 April 2016 and 19
May 2016 which received visa n° 16-062 on 29 February 2016, n° 16-118 on 5 April 2016 and n° 16-186 on 19 May
2016 (the "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:
2016-22
(ii)
Tranche Number:
1
3. Specified Currency or Currencies:
EURO (« EUR »)
4. Aggregate Nominal Amount:

(i)
Series:
EUR 20,000,000
(ii)
Tranche:
EUR 20,000,000
5. Issue Price:
100 per cent. of the Aggregate Nominal Amount
6. Specified Denomination(s):
EUR 100,000
7. (i)
Issue Date:
27 May 2016

(ii)
Interest Commencement Date:
Issue Date
8. Interest Basis:
0.96 per cent. Fixed Rate
(further particulars specified below)
9. Maturity Date:
27 May 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
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 dated 25 April
for issuance of Notes obtained:
2016 and decision of Jean-Philippe Berthaut, Head of
Group Funding dated 18 May 2016
PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
14. Fixed Rate Note Provisions
Applicable


(i)
Rate of Interest:
0.96 per cent. per annum payable in arrear on each Interest
Payment Date
(ii)
Resettable:
Not Applicable
(iii) Interest Payment Date(s):
27 May in each year commencing on 27 May 2017
(iv) Fixed Coupon Amount:
EUR 960 per Note of EUR 100,000 Specified
Denomination
(v)
Broken Amount(s):
Not Applicable
(vi) Day Count Fraction:
Actual/Actual (ICMA)
(vii) Determination Dates:
27 May 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
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 upon the
occurrence of a Capital Event in the
case
of
Subordinated
Notes
(Condition 6(g)), for taxation reasons EUR 100,000 per Note of EUR 100,000 Specified
(Condition
6(h)),
for
illegality Denomination
(Condition 6(k)) or on event of default
in the case of the Senior Notes
(Condition 9):
(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):
Target
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:
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:
Roland Charbonnel, Director Group Funding & Investor Relations



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:
EUR 4,450
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:
0.96 per cent.
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:
FR0013176260
Common Code:
142035499
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


8.
DISTRIBUTION

(i)
Method of distribution:
Non-syndicated


(ii) If syndicated:


(A) Names of Managers:
Not Applicable


(B) Stabilising Manager(s) if any:
Not Applicable

(iii) If non-syndicated, name and
Merrill Lynch International, 2 King Edward Street, London
address of Dealer:
EC1A 1HQ

(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):