Investor Presentaiton

Timeline I PSA Banque France Group Recent developments Funding sources diversification 02/14 Exclusive negotiation between SCF & BPF (1) 07/14 Framework agreement (partnership covering 11 countries) 01/14 01/15 04/14 "BACK IN THE RACE" plan 01/15 Acquisition of SOFIRA & CREDIPAR by PSA Banque France 04/15 DISTINGO (2) French activity transferred to PSA Banque France O+ 11/16 Debt investor roadshow 03/17: Rating upgrade to Baa1 01/16 01/17 12/15 Inaugural rating delivered by Moody's 01/17 First EMTN issuance 05/15 Absorption merger of SOFIRA by CREDIPAR 02/15 PSA Banque France Group Formalized cooperation after ECB's authorization Financial support of BPF (until 02/15) Financial support of SCF (02/15) Securitizations (02/15) DISTINGO (2) activity (04/15) Bilateral credit lines (06/15) Constitution of HQLA (07/15) Participation in TLTRO-I (09/15) Participation in TLTRO-II (06/16) Issuance of NEU CP (06/16) Issuance of NEU MTN (07/16) (1) (2) SCF Santander Consumer Finance. BPF : Banque PSA Finance DISTINGO is the online retail saving business in France 16 Debt Investor Presentation - April 2017 Issuance of first EMTN (01/17) PSA BANQU FRANGE

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