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France

NATIONAL ASSOCIATION

Olivier Avis
French Coordinator
olivier.avis@creditfoncier.fr


NATIONAL LEGISLATION

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NATIONAL TRANSPARENCY TEMPLATE

» France - National Transparency Template.xlsx

POOL LIST

Identifier Issuer Country Model National / Harmonized
Transparency Template
Type
AXA Bank Europe SCF AXA Bank Europe SCF Obligations Foncières Go to HTT Mortgage
BNP Paribas Home Loan SFH BNP Paribas Home Loan SFH Obligations à l'Habitat Go to HTT Mortgage
BNP Paribas Public Sector SCF BNP Paribas Public Sector SCF Obligations Foncières Go to HTT Public sector
BPCE Home Loan SFH BPCE SFH Obligations à l'Habitat Go to HTT Mortgage
Compagnie de Financement Foncier Compagnie de Financement Foncier Obligations Foncières Go to HTT Mixed
Crédit Mutuel - CIC Home Loan SFH Crédit Mutuel - CIC Home Loan SFH Obligations à l'Habitat Go to HTT Mortgage
HSBC SFH (France) HSBC SFH (France) Obligations à l'Habitat Go to HTT Mortgage
Société Générale SCF SG SCF Obligations Foncières Go to HTT Public sector
Credit Agricole Public Sector SCF Credit Agricole Public Sector SCF Obligations Foncières Go to HTT Public sector
CRH Caisse de Refinancement de l'Habitat CRH Go to HTT Mortgage
CAISSE FRANÇAISE DE FINANCEMENT LOCAL Caisse Française de Financement Local Obligations Foncières Go to HTT Public sector
Credit Agricole Home Loan SFH Credit Agricole Home Loan SFH Obligations à l'Habitat Go to HTT Mortgage
Arkéa Home Loans SFH Arkéa Home Loans SFH Obligations à l'Habitat Go to HTT Mortgage
Arkéa Public Sector SCF Arkéa Public Sector SCF Obligations Foncières Go to HTT Public sector
Societe Generale SFH SG SFH Obligations à l'Habitat Go to HTT Mortgage
La Banque Postale Home Loan SFH La Banque Postale Home Loan SFH Obligations à l'Habitat Go to HTT Mortgage
CIF Euromortgage CIF Euromortgage Obligations Foncières Go to HTT Mortgage
MMB SCF MMB SCF Obligations Foncières Go to HTT Mortgage

BOND LIST

  ISIN Pool
Identifier
Initial Date
of Issuance
Maturity Date Face value1 Coupon Syn. Listed Tapped Mat.2 EEA3 LCR4
FR0013372174 La Banque Postale Home Loan SFH 18/10/2018 18/10/2033 EUR 15,000,000 Fixed No Yes No HB Yes N/A
FR0013369667 La Banque Postale Home Loan SFH 04/10/2018 04/10/2028 EUR 750,000,000 Fixed Yes Yes No SB Yes 1
FR0013358496 Societe Generale SFH 11/09/2018 11/09/2023 EUR 750,000,000 Fixed Yes Yes No SB Yes 1
FR0013358199 Credit Agricole Public Sector SCF 10/09/2018 10/10/2025 EUR 500,000,000 Fixed Yes Yes No SB Yes 1
FR0013352192 BPCE Home Loan SFH 02/08/2018 02/08/2038 EUR 25,000,000 Fixed No Yes No SB Yes No
FR0013352499 CAISSE FRANÇAISE DE FINANCEMENT LOCAL 02/08/2018 02/08/2038 EUR 27,000,000 Fixed No Yes No HB Yes N/A
FR0013351848 CAISSE FRANÇAISE DE FINANCEMENT LOCAL 24/07/2018 26/07/2038 EUR 10,000,000 Other No Yes No HB Yes N/A
FR0013349750 Societe Generale SFH 17/07/2018 17/07/2021 EUR 500,000,000 Fixed No Yes No SB Yes 1
FR0013349776 Societe Generale SFH 17/07/2018 17/07/2022 EUR 500,000,000 Fixed No Yes No SB Yes 1
FR0013349719 Societe Generale SFH 17/07/2018 17/07/2024 EUR 500,000,000 Fixed No Yes No SB Yes 1
FR0013349669 Societe Generale SFH 17/07/2018 17/03/2025 EUR 500,000,000 Fixed No Yes No SB Yes 1
FR0013349685 Societe Generale SFH 17/07/2018 17/03/2026 EUR 750,000,000 Fixed No Yes No SB Yes 1
FR0013349800 Societe Generale SFH 17/07/2018 17/03/2027 EUR 750,000,000 Fixed No Yes No SB Yes 1
FR0013348398 BPCE Home Loan SFH 12/07/2018 12/07/2023 EUR 10,000,000 Fixed No Yes No SB Yes No
FR0013348802 Credit Agricole Home Loan SFH 12/07/2018 11/08/2028 EUR 1,500,000,000 Fixed Yes Yes No SB Yes 1
FR0013348919 CAISSE FRANÇAISE DE FINANCEMENT LOCAL 10/07/2018 10/07/2048 EUR 80,000,000 Fixed No Yes No HB Yes N/A
RCB 2018-6 CAISSE FRANÇAISE DE FINANCEMENT LOCAL 09/07/2018 09/07/2040 EUR 15,000,000 Fixed No No No HB Yes N/A
FR0013347143 CAISSE FRANÇAISE DE FINANCEMENT LOCAL 05/07/2018 05/07/2038 EUR 25,000,000 Fixed No Yes No HB Yes N/A
FR0013347085 CAISSE FRANÇAISE DE FINANCEMENT LOCAL 04/07/2018 04/07/2033 EUR 10,000,000 Fixed No Yes No HB Yes N/A
RCB 2018-5 CAISSE FRANÇAISE DE FINANCEMENT LOCAL 02/07/2018 02/07/2038 EUR 50,000,000 Fixed No No No HB Yes N/A
FR0013345485 CAISSE FRANÇAISE DE FINANCEMENT LOCAL 28/06/2018 28/06/2038 EUR 500,000,000 Fixed Yes Yes No HB Yes N/A
FR0013345048 Societe Generale SFH 28/06/2018 28/01/2026 EUR 750,000,000 Fixed Yes Yes No SB Yes 1
RCB Arkéa Public Sector SCF 26/06/2018 26/06/2042 EUR 110,000,000 Fixed No No No HB Yes N/A
NSV023 La Banque Postale Home Loan SFH 15/06/2018 03/09/2038 EUR 25,000,000 Fixed No No No SB Yes N/A
FR0013342219 BPCE Home Loan SFH 14/06/2018 14/06/2038 EUR 50,000,000 Fixed No Yes No SB Yes No
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(1) Please note that the face value of this bond has been converted into EUR values on the 15th of January of the current year (where the exchange rate protocol takes the ECB bilateral exchange rate on the last business day of the previous year) in order to facilitate the comparison across issuances and to increase the overall transparency of the website. Nevertheless, you will be able to check the original currency by directly clicking on the covered bond.

(2) Mat. - Maturity profile

HB - Hard bullet
Hard bullet covered bonds are repaid on the scheduled maturity date. Neither the documentation nor the legal framework contain provisions for a maturity extension. Failure to repay the final redemption amount of a hard bullet covered bond on the scheduled maturity date could trigger the default of the relevant covered bonds and, possibly, the liquidation of the cover pool depending on the respective national insolvency rules.

SB - Soft bullet
Soft bullet covered bonds have a scheduled maturity date and an extended maturity date. If objective, predefined and transparent criteria have been met , the maturity of a soft bullet covered bond can, and in some cases will automatically, be prolonged up to the extended maturity date. During the extension period, the covered bond may be redeemed using cover pool proceeds. Failure to repay a covered bond on the extended maturity date triggers the default of the relevant extended covered bonds (unless multiple extensions are allowed).

CPT - Conditional pass-through
Conditional pass-through (CPT) covered bonds have a scheduled maturity date and an extension mechanism. By itself, the failure to repay the CPT covered bond on the scheduled maturity date does not lead to an acceleration of this covered bond but to an extension of the maturity date of this and potentially other relevant covered bonds. The extension requires that objective, predefined and transparent criteria are met. In such circumstances the maturity of a CPT covered bond can be prolonged to the extended maturity date, which is typically linked to the maximum legal maturity of the underlying assets. During the extension period, cash-flows received or generated from the cover assets will be distributed to the covered bonds investors. Regular attempts are in general made to sell the cover pool assets to redeem the covered bonds . Such sales are subject to predefined criteria intended to protect the interests of all investors under the same programme. In certain jurisdictions and programmes, CPT covered bonds may feature an initial soft bullet extension

(3) European Economic Area (EEA) or non-EEA. While all the non-EEA labelled programmes’ quality standards will be fully aligned to the Covered Bond Label Convention, to Article 129 of the Capital Requirements Regulation (CRR) and to the definitions in the Liquidity Coverage Requirements (LCR) with the exception of being based in the EEA, i.e. they will present similar legislative safeguards from a qualitative and supervisory point of view to those in Europe, these bonds will present different characteristics, for example in terms of risk weights. Therefore, non-EEA Labels will be identified on the Label website by using a different graphic solution.

(4) The issuer believes that, at the time of its issuance and based on transparency data made publicly available by the issuer, this bond would satisfy the eligibility criteria for its classification as a Level 1 or Level 2 asset in accordance with Chapter 2 of the LCR delegated act. It should be noted that whether or not a bond is a liquid asset for the purposes of the Liquidity Coverage Ratio under Regulation (EU) 575/2013 is ultimately a matter to be determined by a relevant investor institution and its relevant supervisory authority and the issuer does not accept any responsibility in this regard.

Sustainable covered bond. A Covered Bond Labelled sustainable covered bond is a covered bond that is fully compliant with the Covered Bond Label Convention, and also includes a formal commitment by the issuer to use an amount equivalent to the proceeds of that same covered bond to (re)finance loans in clearly defined environmental (green), social or a combination of environmental and social (sustainable) criteria. Covered Bond Labelled sustainable covered bond programs are based on their issuer’s sustainable bond framework which has been verified by an independent external assessment. The issuer strives, on a best efforts basis, to replace eligible assets that have matured or are redeemed before the maturity of the bond by other eligible assets.
[Against this background, please note that the EMF-ECBC is currently working on market initiatives which will ultimately define European criteria for energy efficiency covered bonds and sustainability standards]

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