BPCE LEASE S.A.

BPCE LEASE S.A. is the leasing and rental arm of Groupe BPCE in France, focused on financing for professionals, companies, and public-sector entities. Its offering spans financial and operating leases, long-term rental, hire purchase, lease-back, and vendor finance programs, covering vehicles and fleets, industrial and agricultural machinery, IT and office equipment, medical and construction assets, and energy-related equipment; it also arranges real estate leasing for business premises. Distribution primarily occurs through the Banque Populaire and Caisse d’Epargne networks and via manufacturer and dealer partnerships. Contracts may use fixed or variable rates and residual-value structures depending on the asset, with end-of-term options to purchase, extend, or return; total cost typically reflects asset risk, tenor, services included, and the client’s credit profile, and may include documentation, insurance, and maintenance fees for rental products. The company does not collect deposits and funds activity through Groupe BPCE and capital markets instruments in line with group treasury policies; risk management centers on counterparty, residual-value, and asset recovery processes within the group’s governance and regulatory framework for financing companies. Digital tools support origination, e-signature, and contract management, but eligibility, conditions, and early-termination costs vary by client and product and are subject to credit approval. Accounting and tax treatment depend on the client’s applicable standards and regime, and standard legal documentation and collateral are typically tied to the financed assets.