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Altarea

Earnings Release Mar 10, 2016

1101_10-k_2016-03-10_64616cd9-118e-4dc0-94c9-1939128d6821.pdf

Earnings Release

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Press release 2015 Annual Results Paris, March 9, 2016, 6 pm

Sharp rise in earnings and dividend 2015 FFO1 : up 28%2 Dividend: €11.0/share (+10%) 2016 FFO expected growth: +15% to +20%

Refocused on real estate

  • Disposal of Rue du Commerce to Carrefour3
  • Takeover of Pitch Promotion4

Altarea Cogedim, building up French metropolises

  • Consolidated pipeline (all products combined5 ): 2.7 million m², €12.0 billion
  • Sales6 : €2.0 billion (office property and residential)
  • Residential sales: 6,011 units (up 33% in volume, 28% in value)
  • Medium-term target: 10,000 residential units sold per year

Retail REIT pipeline: equivalent in size to the 2015 portfolio

  • Assets portfolio's 2015 net rents: €160 million (+2.6%)
  • Development pipeline's gross rents: €199 million7 (€199 million in Group share)
  • Leadership in travel and connected retail

Profit growth in 2015

  • FFO: €161.2m (+ 28%)
  • Real estate NAV8 : up €293m

Long-term reprofiling of balance sheet:

  • LTV: 44.5%
  • Average duration: 6 years
  • Average cost of debt: amongst the lowest for French REITs (1.94% in 20159 )

Figures per share:

FFO group share10 / share
-
€12.95 / share (+23.8%)
NAV / share11
-
€137.3 / share (+5.8%)
-
Dividend
€11.00 / share (+10.0%)

Paris, March 9, 2016, 6 pm. Following review by the Supervisory Board, Management approved the 2015 consolidated financial statements. The audit of the individual (Altarea SCA) and consolidated financial statements has been performed, and the audit reports for certification of these financial statements are currently being issued.

1 Funds From Operations, attributable to Group's shareholders: net profit excluding changes in value, calculated costs, transaction fees and changes in differed tax. 2

+11% like-for-like (with impact of Rue du Commerce restated in 2014). 3 Announced August 24, 2015, Altarea Cogedim sold the entire share capital of Rue de Commerce to Carrefour Group. The sale took effect January 1, 2016.

4 Acquisition of entire share capital of Pitch Promotion on February 26, 2016.

5 Shopping centers, Convenience Stores, Office property and Residential.

6 Including €1,417 million Residential and €563 million Office property (excluding Pitch Promotion).

7 Expected gross rents at 100%, to be compared with the total gross rent of the existing portfolio as at January 1, 2016 (€201 M at 100% and €152 M in Group share).

8 Real estate value creation, after 2014 dividend and loss on discontinued activities (Rue du Commerce) taken into account.

9 Total cost, including arrangement, non-use and other commissions.

10 Funds From Operations or Current Cash Flow from operations, Group share. Up 23,8% per share, and up 7,2% Like-for-Like basis (with impact of Rue du Commerce restated in 2014). 11 Diluted Going-Concern NAV: market value of equity as a going concern, taking into account all shares subscribed as part of share-based dividend payment.

"2015 was an excellent year for Altarea Cogedim:

Excellent in terms of financial results, with a record +28% increase in FFO, taking it to €161.2 million, and real estate value creation adding €293 million to its Net Asset Value. The Group also took advantage of favorable market conditions to extend its debt's maturity and improve its long-term liabilities' pattern. Overall, Altarea Cogedim posted its best ever financial performance.

Excellent also in terms of strategic refocusing, with the disposal of Rue du Commerce and the takeover of Pitch Promotion. The Rue du Commerce experience allowed the retail REIT to take a major leap forward in connected retail, while the acquisition of Pitch Promotion reaffirms the Group's desire to position itself as a leading French property developer.

Excellent too for its Retail REIT business with refocused goals. Despite a sluggish market, and thanks to its revamped offering, the Retail REIT (which takes up most of the Group's capital resources) is aiming to double in size within 5 to 6 years thanks to its exceptional pipeline of development projects.

Excellent in terms of property development, both in the residential market, where it topped its target of 6% market share (7% pro forma after adding Pitch Promotion), and in offices, where Altarea Cogedim's integrated model has allowed it to reaffirm its leadership. In total, its pipeline of development projects reached a record 2.7 million m² valued at €12 billion all projects combined, making Altarea Cogedim the first developer in French metropolises.

Excellent lastly, in terms of outlooks. We are taking full advantage of the low interest rate environment and our near- and medium-term prospects are boosted by our backlog of development projects and our secured financing. We have a substantial pipeline of high quality projects that we can launch as and when opportunities arise. Our 2016 financial results are expected to show strong growth overall, with FFO (Group share) up 15%-20% on 2015.

Going forward, Altarea Cogedim plans to grow its FFO by an average of 5% to 10% per year, initially thanks to its strong development momentum, and then by ramping up the shopping centers it currently has under development.

Over the next three years Altarea Cogedim intends to pay a dividend of at least €11 per share (subject to AGM approval). Altarea Cogedim aims both to pursuing its strong growth and keeping its Loan to Value to the 40% level. This is why shareholders will be proposed the option, at the next General Meeting, to take their 2016 dividend in the form of shares. This option may be deferrable or repeatable in the future, or may be replaced by a rights issue in the order of

€200-€300 million, depending on market developments and growth opportunities.

I am fully confident of Altarea Cogedim Group's prospects – now refocused on real estate – based on the quality of its development pipeline and the quality and involvement of all our employees and shareholders."

Alain Taravella, Chairman and Founder of Altarea Cogedim

REFOCUS ON REAL ESTATE

Disposal of Rue du Commerce

On January 1, 2016, Altarea Cogedim sold the entire share capital of Rue du Commerce to Carrefour. This was a clear sign of the Group's refocus on real estate, which once again generates 100% of its revenue. The Group's experience with Rue du Commerce gave it a unique tool for collecting and processing customer data from its shopping centers: the Digital Factory, creating a real revolution in asset management was rolled out for the first time ever at Qwartz,12 France's first-ever connected shopping center. The technological progress acquired on this occasion makes Altarea Cogedim group the unrivalled leader in connected retail among the major retail REITs.

In accordance with IFRS 5, the "continuing operations" data in the 2015 financial statements do not include the impact of the disposal of Rue du Commerce, which is recognized in "Discontinued operations".

Takeover of Pitch Promotion

On February 26, 2016, Altarea Cogedim completed the entire share capital acquisition of the developer Pitch Promotion. The transaction is based on an enterprise value of €180 million, i.e. a multiple of around 7 times the 2016/2017 EBIT, with a significant part of the price paid in Altarea shares.13

Formed in 1989, Pitch Promotion operates in the residential (1,021 units sold in 201514) and office property sectors (€111 million sales made in 2015). It operates in Paris Greater Area and major regional metropolises15 and has over 160 employees.

Including new orders, the new entity Altarea Cogedim + Pitch Promotion now accounts for 7%16 of the residential market and confirms its leadership as leading office property developer in France.

Réservations 2015 (TTC) Altarea Cogedim Pitch Promotion Cumulated
Residential €1,417 million 236 M€ 1,653 M€
Nb units 6,011 units 1,021 units 7,032 units
Commercial €563 million €111 million €674 million
TOTAL €1,980 m €347 m €2,327 m

ALTAREA COGEDIM, BUILDING UP FRENCH METROPOLISES

Consolidated pipeline all products combined : 2.7 million m² valued at €12.0 billion

Altarea Cogedim is the only French property group with experience of developing the entire range of asset classes (retail, residential, serviced residences, offices and hotels). This positioning means the group now controls one of the largest property development portfolios in France, representing nearly 2.7 million sqm all products combined, or the equivalent of €12 billion in market value17 .

12 1st regional connected shopping center in France, winner of four awards in 2014 for its digital innovations, this 86,000 m2 center is an exceptional showcase for the Group's brands and is expected to eventually receive 9 million visitors a year.

13 Terrassoux group has reinvested €31.7 million of the sale proceeds in 190,000 Altarea shares subscribed through Altarea's reserved rights issue corresponding to 1.5% of the capital.

14 1,021 units sold in 2015 (Group share) and 1,389 units (total). 15 7 sites: Paris, Toulouse, Lyon, Aix-en-Provence, Bordeaux, Montpellier and Nice.

16 Private development market estimated at 102,000 units (17% increase in Q3 2015 applied to the market of 86,800 units in 2014 – Source: Sustainable Development Commission). 17 Of this total, only the commercial projects are intended to be included in the portfolio at a cost price of €1.9 billion for its percentage. All the rest is intended for sale to third parties.

Portfolio of development projects (per product) Surface 18 Potential value €19
Shopping centers 553,100 m² € 3.6bn
Convenience stores 100,300 m² € 0.3bn
Offices 531,000 m² € 2.2bn
Residential 1,502,900 m² € 5.9bn
TOTAL 2,687,400 m² €12.0bn

The Group has focused its efforts on eleven French metropolises that capture most of the country's demographic20 and economic21 growth in less than 10% of its geographic territory22 . This strategy allows the Group to benefit from the growth momentum in fast developing areas with regard to the economic situation in France in general.

Major urban tenders: great successes

Thanks to its unique multi-product expertise, Altarea Cogedim is helping large French municipalities to create new urban offshoots. In 2015, the Group won tenders for five major urban mixed-development projects, representing a potential revenue of more than €600 million.

Res. + Serviced Res. Retail Offices Total surface
Bezons Cœur de Ville 700 units 18,700 m² - 66,000 m²
Strasbourg Fischer 430 units 5,000 m² - 33,000 m²
Hospices Civils Lyon 250 units 3,500 m² - 16,000 m²
Toulouse Montaudran 600 units 12,350 m² 15,000 m² 75,000 m²
Gif-sur-Yvette23 300 units 5,300 m² - 19,000 m²
TOTAL 2,280 units 44,850 m² 15,000 m² 209,000 m²

This success is mainly due to the group's retail expertise, which is often the "key" to winning major tenders, an area in which Altarea Cogedim has unrivalled expertise compared to its major real estate developers.

RETAIL REIT

Assets: strong performance in a refocused portfolio

2015 Change
Retailer sales +1.5% +50 bps
Change in net rental income +€4.0 m +2.6%
Like-for-like change24 +1.3%
Occupancy cost ratio 9.9% +10 bps
Bad debt ratio 1.9% +120 bps
Financial vacancy 2.9% -50 bps
Signed leases (gross rents) Nb leases New leases Old leases %
Pipeline (development) 83 €18.5 m n.a. n.a.
Existing portfolio 132 €14.7 m €12.2 m +20%
Total Portfolio 215 €33.2 m 12.2 m
Managed for 3rd parties 49 €4.1 m €3.6 m +13%

TOTAL 264 €37.3 m €15.8 m

18 Floor area of shopping centers and convenience stores: m² GLA created. Office floor area: Gross leasable area. 19Market value excl. tax on delivery date. Value of shopping centers: capitalized net rent at market rate. Value of convenience stores: sales revenue. Value of offices: Share of amounts signed for offplans contracts or share of capitalized fees for delegated mandate contracts or 100% of cost price for AltaFund. Value of housing: Sale offer + portfolio price.

20 The population of the 11 French metropolises where the Group is concentrated has grown by more than 740,000 in the past five years (Source: Insee).

21Average household taxable income is 15% above the national average (Source: Insee).

22 More than 66% of GDP is created on 9.5% of the territories (Source: Insee).

23 Group share only, i.e. 25% of 1,200 housing units built as joint development with Vinci and Eiffage, and 100% of stores.

24 France only.

In 2015 the group significantly turned over its portfolio, with following operations:

  • It took over Qwartz outright, based on a valuation of approximately €400 million (versus the 50% held previously). Successfully launched25 in April 2014, Qwartz is the first regional shopping center equipped with Digital Factory functionalities26 , making it a unique laboratory for connected retail.
  • It sold four small shopping centers in Italy for a total of €122 million27 .
  • Two existing assets at Aix-en-Provence and Aubergenville were extended.

The Group's restructured assets portfolio, now up 2.3% at €3.8 billion28, comprise 39 assets with an average value of €98 million each.

Pipeline : the leading French developer

Altarea Cogedim's leading position as a retail developer is based on a three-pronged expertise, specifically:

  • Unrivalled know-how in travel retail with two Paris railway stations under management (Gare du Nord and Gare de l'Est) and two stations in development: Paris-Montparnasse29 for which the Group won the tender in 2014, and Paris-Austerlitz for which it won the tender in 2015 to build and operate 27,000 m 2 of retail as part of the station's modernization plan.
  • A strong belief in large Retail Parks that the Group is developing under the Family Village® concept, which have proven to be very effective in terms of price competitiveness. In this respect, in early 2016 Altarea Cogedim began construction of the Promenade de Flandres30 , a 60,000 m² retail park, 60% of it already leased off-plan, which will be the biggest site on the Belgian border on a leading retail hub in Lille metropolitan area.
  • The capacity to develop massive regional centers at exceptional sites, Cap 300031 in Nice being a prime example of this.

In total, Altarea Cogedim controls the biggest pipeline in France in terms of premium shopping centers. Over the next 5 to 6 years, its asset growth will reflect the development projects currently under way, and is set to double in size: €400 million in rent versus €201 million in 2015 (amounts at 100%) and potential value creation in the order of €600 million, group share32 .

PORTFOLIO at 100% Group share PIPELINE at 100% Group share
Surface 754,000 m² 570,000 m² Surface 553,000 m² 435,000 m²
Value €3,821 m €2,606 m Cost price €2,548 m €1,948 m
Gross rent €201 m €152 m Potential gross rent €199 m €152 m
Capitalization ratio 5.40% 5.64% Gross return 7.8% 7.8%

In 2016, the Group will deliver two major shopping centers: Boulevard Macdonald, Paris, with more than 30,000m² GLA33; and l'Avenue83 (Toulon-La Valette), a leisure and shopping center of 51,000 m² 34 located in one of the most attractive commercial districts in France.

25 Since it opened, Qwartz has posted clearly higher than expected operating performance for an asset in launch stage: at December 31, 2015, Qwartz posted a 10% increase in traffic and tenants posted revenues up 10% (after adjusting for opening effect).

26 The Digital Factory functionalities, a platform that centralizes customer information, was introduced at Qwartz, the first connected shopping center in France. Digital Factory thus helped increasing its ramping up. Digital Factory is now included in all new projects and is being rolled out at Altarea Cogedim's main retail centers already open to the public.

27 7% higher than the appraised value at December 31, 2014. 28 Appraised values including transfer duties at 100%, i.e. €2.6 billion Group share. Surfaces at 100% : 75,600 m²

29 18,500 m² travel retail project, as part of the Paris-Montparnasse station development.

30 Developed as 50/50 partnership with Immochan.

31 Regional shopping center being renovated/extended on an occupied site. Once completed, with partial stages scheduled between 2016 and 2018, the center will have 300 stores with a total floor area of 135,000 m² (100,000 m² GLA) as compared to 140 stores and 85,000 m² floor area today. The cost of this extension is approximately €400 million, which will bring to over €1 billion the total amount invested in the center since its acquisition, with a gross rent target of €75 million (versus €23 million in 2010 when acquired).

32 Margin between the potential value (including transfer duties) of the projects on delivery (triple net rents capitalized at 5.5%), not updated, and net investment costs in development projects. Value in Group share.

33 Developed 50/50 with Caisse des Dépôts et Consignations

34 Including 37,000 m² GLA shopping mall and 14,000 m² multiplex.

DEVELOPMENT: Change in scale

Sales (office property and residential): €2.0 billion (+49%)

Sales (incl. Tax) 2015 2014 Change
Residential €1,417 m €1,103 m +28%
Nb units 6,011 units 4,526 units +33%
Offices €563 m €229 m ×2.5
TOTAL €1,980 m €1,332 m +49%

With €2 billion total sales in 2015 (and €2.3 billion with Pitch Promotion), Altarea Cogedim confirms ranking among the top three developers in France35 .

Development revenue exceeding €1.0 billion (+23%) with net profitability of 8.2%36

€m excl. tax 2015 2014 Change
Development revenue 1,011.6 821.5 23%
O/w housing 883.1 755.3 17%
O/w offices 128.5 66.2 94%
Cash flow from development
activities
82.7 58.5 41%
Operating margin 8.2% 7.1% +110 bps

Residential: sales up by 33% at 6,011 units (+28% in value)

The very strong growth in reservations (volumes up 33%) has been driven by all Cogedim client segments (private buyers up 23% and institutional investors up 39%). This growth significantly exceeds the market's performance (up 17%37).

In 2015 €m Units Change
Operations supplied 2,914 13,400 +38%
Commercial launches 1,600 6,800 +53%
Sales 1,417 6,011 +33%
Revenue 883.1 +17%
Cash flow from operating activities 52.3 +29%

In addition, Altarea Cogedim and SNI Group have signed a 5-year partnership for the sale of mid-range housing units. In 2015, negotiations resulted in 2,000 units including 1,250 middle-income units and 750 social housing units. Only 363 units were included in the 2015 records; the rest will be recognized mainly in 2016, as and when building permits are obtained.

Backlog

In €m 2015 2014 Change
Notarized revenues not recognized 959 879
Revenues reserved but not notarized 780 580
Backlog 1,739 1,459 +19%
Number of units 21 22

The share of this backlog that will generate revenue in 2016 already amounts to the entire revenue of 2015, which thus guarantees the Group solid prospects for the coming year.

37 Source: Ministry of Sustainable Development. Figures and Statistics November 2015: marketing of new residential units in Q3 2015. Estimate: housing market up 17% in 2015 (86,900 units. Source: Ministry of Sustainable Development).

35 With Nexity (€2,769 million investment) and Bouygues (€2,450 million investment), residential and office property combined.

36 After taking into account Altarea Cogedim Group corporate expenses corresponding to approximately 110 bps of margin.

Offices: a successful commercial and operationally year

In €m 2015 2014 Change
Development margin 18.2 6.2 X 2.9
Service provider fees 20.2 19.6 +3.1%
Investor capital gains 8.3 7.1 +17.1%
Total Revenue 46.8 33.0 +42.0%
Cash flow from operating activities 30.4 17.8 +70.4%

Thanks to its integrated investor-developer-manager model, the Group has more than doubled its sales in 2015, to €563 million (2.5 times the 2014's level) covering 11 projects.

The Group also signed some large-scale projects, notably in Paris and Lyon, including:

  • The acquisition of Tours Pascal (Paris-La Défense) by AltaFund, as a joint venture with Goldman Sachs, with a view to renovating this 70,000 m2 complex.
  • Off-plan contracts signed with investors for the future headquarters in Lyon for CapGemini (7,500 m 2 ) and Sanofi Animal Health and Vaccines Divisions (15,100 m2 ). Both these buildings will be delivered in 2017.
  • An off-plan contract signed for the View One project in Villeurbanne (69), a 14,500 m2 office and 1,400 m² retail complex as part of a Group's larger urban development project, scheduled for delivery in late 2016.

FINANCIAL RESULTS: STRONG GROWTH IN 2015'S RESULTS

FFO38 Group share, up sharply: €161.2 million (+28%), €12.95/share (+24%)39

Reported FFO Group share increased strongly to €161.2 million, up 27.8% on 2014. Restated for the impact of Rue du Commerce, the increase in Real Estate FFO (at Like-for-Like) was 10.6%, driven mainly by development activities.

€m excl. tax 2015 2014
restated
Change
Shopping centers 206.6 192.2 +7,5%
Development 1212.2 1013.7 +20.2%
Consolidated revenue 1,218.2 1,013.7 +20.2%
Shopping centers 155.5 161.7 -3.9%
Development 82.7 58.5 +41.4%
Corporate (3.5) 0.6 n.a.
Consolidated cash flow from operating activities 234.7 220.8 +6.3%
Profitability / Development revenue 8.2% 7.1% +110 bps
Net borrowing costs (31.9) (33.6) -4.8%
Corporate income tax (0.9) (1.3) n.a.
Non-controlling interests (40.7) (40.3) +0.9%
Net income from discontinued operations - (19.6) n.a.
FFO, Group share 161.2 126.1 +27.8%
FFO Group share per share €12.95/sh €10.46/sh +23.8%
O/w Retail REIT 113.9 112.0 +1.7%
O/w Commercial Development and Services (19.7) (11.2) +76.2%
O/w Property Development 70.5 44.3 +59.1%
O/w Corporate (3.5) 0.6 n.a.

Retail REIT FFO measures the financial performance of the portfolio. It was up 1.7% in 2015, the impact of centers sales being offset by the full takeover of Qwartz, the like-for-like change in net rents (+1.3%40) and the fall in net borrowing costs to a 1.94% rate in 2015 (versus 2.41% in 2014).

Commercial Development and services FFO corresponds to the cost of the group's outsourcing structure not covered by fees and investments in the retail pipeline. The 2015 increase is directly linked to the ramping up of the capital investment program in the pipeline. This amount should be seen in light of the potential €600 million41 value creation in the pipeline (group share).

Property Development FFO was up very sharply (+59.1%). This change was due to volume effect (boosting revenue by 23.1%) and a 110 basis points improvement in the margin rate which rose to 8.2% of revenue.

Per share, FFO rose by 23.8% (+7.2% at comparable scope) after the impact of the dilution resulting from the 2014 dividend paid in shares (full-year impact in 2015).

38Funds From Operations or recurring income from operations: net profit excluding changes in value, calculated costs, transaction fees and changes in differed tax. 39 Up 23,8% per share, and up 7,2% Like-for-Like basis (with impact of Rue du Commerce restated in 2014).

40 In France.

41 Margin between the potential value (including transfer duties) of the projects on delivery (triple net rents capitalized at 5.5%), not updated, and net investment costs in development projects. Value in Group share.

Real estate NAV42: up €293 million (+18%)

In €m €/share Change
Diluted going concern NAV - 31/12/2014 1,623.9 129.8
FFO 2015 161.2 13.0
Change in value – Assets (net of non-controlling interests) 83.6 6.7
Change in value – Financial instruments (40.5) (3.3)
Others43 (23.6) (1.9)
Other changes in value44 112.0 9.0
Real Estate value created 292.7 23.5 +18.1%
2014 Dividend (125.7) (10.0)
Discontinued activities (Rue du Commerce) (72.3) (5.8)
Diluted Going-concern NAV - 31/12/2015 1,718.5 137.3 +5.8%
EPRA NNNAV (liquidation NAV) 1,644.7 131.4 +5.5%
EPRA NAV 1,652.5 132.1 +1.0%
Number of shares, diluted 12,513,433

Group NAV shows a real estate value creation amounting to €292.5 million (+18.1% per share), generated by strong results in 2015 and the increase in value of the group's assets. After taking into account the dividend paid and despite the loss on discontinued activities (Rue du Commerce), NAV was up 5.8% at €137.3 per share.

DEBT: LONG-TERM REPROFILING OF THE BALANCE SHEET

2015 2014 Change
Net debt €2,442 m €1,772 m €670 m
Asset value45 €5,489 m 4,702 +€787 m
O/w Real Estate 81% 82%
O/w Development 19% 18%
LTV 44.5% 37.7% +680 bps
Net duration 6.0 years 3.7 years +2.3 years
Average cost 1.94% 2.41% -47 bps

Very sharp rise in retail investment in stores, consolidated LTV 44.5%

Group net financial debt rose by €670 million, mainly driven by capital investment in retail (€555 million). At the same time, asset values rose by €787 million (€645 million for retail and €142 million for development). Group total consolidated LTV was 44.5%.

Long-term debt restructuring:

Nearly €2.2 billion financing/refinancing was set up46 with an average spread of 129 bp and an average duration of 7.5 years47 . This performance was achieved through extensive use of mortgage financing (21 assets financed/refinanced for €1.5 billion with an average term of 8.5 years). As a result of these transactions, the duration of the group's net debt was extended to 6.0 years (excluding property development and treasury notes) from 3.7 years in 2014. At the same time, the Group renegotiated it swaps portfolio to cover 70% to 90% of its net debt, with the remaining unhedged balance exposed to the 3-month Euribor. The hedge duration was significantly extended (average 7.8 years) and the average hedge rate was now in the region of 1.0% over this horizon (from 2.10% in 2014).

42 2015 going concern NAV, excluding the impact of the dividend paid in 2015 (for 2014) and discontinued activities.

43 Including deferred taxes, accruals, transaction fees.

44 Mainly relates to the value of the development division (Cogedim, AltaFund) and of Semmaris.

45 Appraised value of operating shopping centers including transfer duties, value of development assets at cost, and assessed value of other assets.

46 Including signed firm financing received early 2016.

47 8.5 years for mortgage loans and 5.2 years for corporate loans.

Thanks to these transactions, Altarea Cogedim benefited from a 2015 average cost of debt amongst the lowest within French REITs (1.94% including margin48 versus 2.41% in 2014). The group thus has a very clear long-term view of its debt, both in terms of liquidity and interest rates.

A presentation is attached to this press release. It can be downloaded from the Finance section of the Altarea Cogedim website

FINANCIAL CALENDAR (FOR INFORMATION ONLY)

Annual General Meeting of Shareholders April 15, 2016 Q1 2016 Revenue: May 10, 2016, after market

ABOUT ALTAREA COGEDIM - FR0000033219 - ALTA

Altarea Cogedim is a leading property group. As both a commercial land owner and developer, it operates in all three property market segments: retail, residential and offices. It has the requisite know-how in each segment to design, develop, market and manage made-to-measure property products. Present in France, Spain and Italy, Altarea Cogedim manages a €4.4 billion property portfolio. Listed on compartment A of Euronext Paris, Altarea had a market capitalization of €2.3 billion at December 31, 2015.

FINANCE CONTACTS PR CONTACTS

Eric Dumas, Chief Financial Officer [email protected], tel : + 33 1 44 95 51 42 Catherine Leroy, Investor Relations cleroy@altareacogedim, tel : +33 1 56 26 24 87

Nicolas Castex, Press Officer [email protected], tel : + 33 1 53 32 78 88

DISCLAIMER

This press release does not constitute an offer to sell or solicitation of an offer to purchase Altarea shares. For more detailed information concerning Altarea, please refer to the documents available on our website www.altareacogedim.com.

This press release may contain statements that constitute forecasts. While the Company believes such statements to be based on reasonable assumptions on the date of publication of this document, they are by nature subject to risks and uncertainties that may result in differences between actual figures and those indicated or inferred from such statements.

48Total cost, including arrangement, non-use and other commissions, i.e. 1.85% for the drawn debt solely.

BUSINESS REVIEW December 31, 2015

1 INTRODUCTION 13
1.1 Altarea Cogedim's unique model 13
1.2 The year's highlights15
1.3 Changes in accounting17
2 BUSINESS REVIEW 18
2.1 REIT 18
2.2 Development 27
3 CONSOLIDATED RESULTS 35
3.1 Results35
3.2 Net asset value (NAV)38
4 FINANCIAL RESOURCES40
4.1 Financial position40
4.2 Financing strategy 41

1 INTRODUCTION

1.1 ALTAREA COGEDIM'S UNIQUE MODEL

1.1.1 Building-up French metropolis

A MULTI-PRODUCT OFFERING

Altarea-Cogedim is the only French real estate group with developer expertise covering all asset classes, including retail, residential, serviced residences, offices and hotels.

This positioning has enabled the Group to manage one of the largest portfolios of real estate projects in France, representing nearly 2.7 million m² (all products combined), or the equivalent of €12 billion in market value49 .

Secured pipeline (by
product)
Surface area
(m²) (a)
Potential value
(€ millions) (b)
Shopping centers 553,100 3,595
High-street retail 100,300 314
Offices 531,000 2,196
Residential 1,503,000 5,912
Total 2,687,400 12,017

(a) Shopping centers and convenience stores: surface area: GLA in m² created.

Surface area offices: Net usable surface area. Surface area residential: property for sale + future offering)

(b) Market value incl. taxes as of delivery date.

Shopping centers: value = net rental income capitalized at market rate.

Convenience stores: value = development revenue.

Value offices: Share of the amounts signed for off-plan and property development contracts, or share of capitalized fees for delegated projects, or cost price at 100% for

Altafund.Value residential: property for sale + future offering

PARTNERING WITH FRENCH METROPOIS

Because Altarea Cogedim's model can meet all real estate needs, the company has become the leading real estate developer in cities. The Group has focused its activities on approximately 11 metropolis in France. They capture most of the country's demographic50 and economic51 growth, on less than 10% of its land area52. This targeting allows the Group to benefit from the momentum in growth areas, which constitute market niches with regard to the economic situation in France in general.

Secured pipeline (by metropol
itan area)
Surface
area (m²)
Potential value
(€ millions) (b)
Greater Paris 1,416,900 6,536
Nice-Côte d'Azur 164,000 1,646
Marseille-Aix-Toulon 303,800 1,123
Toulouse metropolitan area 216,700 663
Greater Lyon 134,200 539
Grenoble-Annecy 94,600 379
Nantes metropolitan area 87,100 262
Bordeaux metropolitan area 76,700 252
Strasbourg European metropoli
tan area
61,700 219
Lille European metropolitan area 58,400 102
Montpellier Mediterranean 11,600 35
Italy 44,700 212
Other 17,000 49
Total 2,687,400 12,018

(b) Market value incl. taxes as of delivery date.

Shopping centers: value = net rental income capitalized at market rate.

Convenience stores: value = development revenue.

Value offices: Share of the amounts signed for off-plan and property development contracts, or share of capitalized fees for delegated projects, or cost price at 100% for Altafund.Value residential: property for sale + future offering.

1.1.2 A unique economic model

FINANCIAL PROFILE: PRIMARILY RETAIL (80% OF COMMITTED EQUITY)53

The Group's committed equity is allocated essentially to the carry of the shopping center portfolio, generating steadily-growing recurring revenue54 . Residential and office development involves a relatively small share of the Group's balance sheet

49 Of this total, only retail projects are intended to remain in assets, for a cost of €1,948 million for the Group's share. The remainder is held for sale to third parties.

50 The population of the 11 French cities where the Group's Operations are concentrated has increased by 740,000 in the last five years (Source: Insee).

51Average household income by taxable household is 15% higher than the national average (Source: Insee).

52 9.5% of the country territories account for more than 71% of GDP (Source: Insee).

53 In market value (amount used to determine LTV).

54 Altarea Cogedim Group holds 39 shopping centers representing value of €3,827 million at 100% (€2,609 million in group share).

(approximately 20% of committed equity), for a more cyclical revenue profile but one offering extremely favourable long-term fundamentals, particularly in residential.

Committed equity by business

Total committed equity as used for purposes of determining LTV totals €5.5 billion (in revalued amount, including taxes). Of that amount, close to €4.4 billion is allocated to the retail real estate business and €1.1 billion to development, or 19% (including 17% in residential). This percentage relative to committed equity has remained stable for many years.

THE ADDED VALUE OF DEVELOPMENT

Most of the shopping centers that the Group develops are intended to be retained in the portfolio, where they contribute to much of the growth in rental income. The secured programs under development thus represent a potential for additional rental income greater than the current amount of rental income on a Group-share basis55. The housing and offices that the Group develops are intended exclusively to be sold to third parties with a margin whose level varies based on the products and the real estate cycle. Residential and office development thus represents between 30% and 45% of the consolidated operating result, based on the year.

OPTIMIZED PROFITABILITY FOR MINIMAL RISK

Due to its retail REIT model, the profitability of which is increased by the fact that it develops real estate both on its own behalf and on behalf of third parties, the Altarea-Cogedim Group's committed equity generates a high return56 for limited risk.

55Gross rental in the pipeline: €152 million compared to €152 million on existing assets (amounts in group share). 56FFO/ANR ratio between 9% and 11%.

1.2 THE YEAR'S HIGHLIGHTS

1.2.1 Sale of Rue du Commerce

As announced on August 24, 2015, Altarea Cogedim Group sold 100% of the share capital of Rue du Commerce to the Carrefour Group. This sale took effect on January 1, 2016.

Consequently, the indicators for the continuing operations in the financial statements at December 31, 2015 no longer include the impact of Rue du Commerce, recognized under "Activity held for sale" (in application of IFRS 5).

The Rue du Commerce experience provided the Group with a unique tool to collect and process customer data – the Digital Factory, which constitutes a genuine revolution in the area of asset management. Altarea Cogedim thus retains all of the expertise and technology acquired over the course of this experience.

1.2.2 Acquisition of Pitch Promotion

Altarea Cogedim reasserted its position among the three most active residential and commercial real estate developers in France when it acquired 100% of the share capital of Pitch Promotion on February 26, 2016.

Pitch Promotion will be consolidated in the Altarea Cogedim Group's financial statements from 2016. For information, certain aggregated indicators are presented below.

Created in 1989, Pitch Promotion is a major real estate development player in both residential property (1,021 units sold in 2015 in Group share) and commercial property (€111 million secured in 2015). The company is active in the Paris region and the main regional cities57 and has more than 160 employees.

The combined residential investments of the new "Altarea Cogedim + Pitch" group represents approximately 7%58 of the pro forma residential market. In addition, "Altarea Cogedim + Pitch" was the real estate developer leader in France, with €674 million secured in 2015.

2015 reservations
(in millions of euros,
including tax)
Altarea
Cogedim
Pitch
Promotion
Altarea Cogedim
+ Pitch Promotion
Residential 1,417 236 1,653
Nbr of units 6,011 1,021 7,032
Offices 563 111 674
Total 1,980 347 2,327

Pitch Promotion will retain its trademark and operational independence. Significant synergies are expected in development and marketing. This will help to capture new markets and thus accelerate Altarea Cogedim's growth.

1.2.3 Significant Operating Events

DEVELOPMENT – LARGE PROJECTS

In 2015, the Group won six large mixed urban development projects, representing potential revenue of over €600 million.

Housing &
Resid.
Retail Offices Total
surface area
Bezons Cœur de Ville (a) 700 units 18,700 m² - 66,000 m²
Strasbourg Fischer (b) 430 units 5,000 m² - 33,000 m²
Hospices Civils Lyon (c) 250 units 3,500 m² - 16,000 m²
Toulouse Montaudran (d) 600 units 12,350 m² 15,000 m² 75,000 m²
Gif sur Yvette (e) 300 units 5,300 m² - 19,000 m²
TOTAL 2,280 units 44,850 m² 15,000 m² 209,000 m²

(a) Including a movie theater and restaurant.

(b)) Intergenerational residence, young workers' housing, plus services, recreation, shops and public facilities.

(c) Including a 100-unit Cogedim Club services residence and a 50-room residence for young workers.

(d) Including a movie theater, hotel and public, cultural and sports facilities.

(e) Group share only, or 25% of the 1,200 residences built as a co-development project with Vinci et Eiffage, and 100% of the retail space. Surface area at 100% : 75 600 m².

These complex projects illustrate the Group's ability to provide cities with an integrated real estate solution, making it possible to design complete "pieces" of a city. These projects are in addition to the two large mixed-use projects launched in 2014, which themselves represented 120,000 m² and €425 million in revenue59 .

DEVELOPMENT - OFFICES

In May 2015, AltaFund partnered with Goldman Sachs to acquire an office complex of nearly 70,000 m² to be redeveloped: the Pascal Towers in Paris – La Défense.

57 7 locations: Paris, Toulouse, Lyon, Aix-en-Provence, Bordeaux, Montpellier, and Nice.

58 Private development market estimated at 102,000 units (+17% increase at Q3 2015 applied to the market of 86,800 units in 2014 – source: Commissariat du Développement Durable).

59 Massy Place du Grand Ouest and Villeurbanne La Soie.

RETAIL REIT

Following the tender launched by Gares & Connexions, Altarea Cogedim Group was selected as a partner for the modernization of the Paris-Austerlitz train station. The Group will be responsible for the investment, design, construction and operation of the 30,000 m² of retail space to be included at this historic site.

SEMMARIS

The Macron Act, which was passed in 2015, extends the Semmaris concession until 2049 (compared to 2034 previously). This extension provides Semmaris, the company that manages the Rungis National Interest Market (MIN) and in which the Group holds a 33% stake, sufficient visibility to implement its new investment plan by 2025.

PIPELINE GROUP

Led by the large mixed-use urban projects and the bids won in 2015, the Group's consolidated secured project pipeline has increased significantly: +22% in volume and +24% in value.

Secured pipeline 2014 2015
Surface area (m²) 2,207,000 2,686,000 +22%
Potential value (€ millions) (a) 9,700 12,014 +24%
(a) Market value incl. taxes as of delivery date.
Shopping centers: value = net rental income capitalized at market rate.
Convenience stores: value = development revenue.
Value offices: Share of the amounts signed for off-plan and property development
contracts, or share of capitalized fees for delegated projects, or cost price at 100% for
Altafund.
Value residential: property for sale + future offering.

Of all of these projects, only the retail projects are intended to be retained in the Group's assets.

1.2.4 Social and environmental involvement

COMMITMENT TO EMPLOYEES...

In 2015, Altarea Cogedim hired 185 employees on open-ended contracts and offered all employees a new social contract, providing, in particular, an extensive employee stock ownership plan associating them with the company's performance.

…IN THE SERVICE OF CITIES

This desire to create jobs is also reflected in the geographic areas where the Group operates. Through employment in shopping centers or at construction sites and the activities that follow from them, Altarea Cogedim has created a larger employment footprint of more than 22,000 jobs60 throughout the country.

In addition, as a key residential player in France, Altarea Cogedim also seeks to build more sustainable and human cities and has thus been working with Habitat et Humanisme for more than seven years. The Group funded three management positions within the organization and since the beginning of the project has contributed directly to creating 280 housing units providing permanent housing to nearly 400 people.

A RECOGNIZED CSR APPROACH

The Group's Corporate and Social Responsibility (CSR) activities were recognized in 2015 by two external rankings.

First, the GRESB (Global Real Estate Sustainability Benchmark), a worldwide reference in nonfinancial rankings for evaluating the CSR strategies of groups and real estate funds, acknowledged Altarea Cogedim's excellent performance in 2015 and awarded it the following scores:

• 86% for existing assets, or 18th worldwide out of 688 groups and real estate funds and, in particular, 3 rd worldwide (out of 31) among listed retail groups,

• 93% for new commercial builds, or 3rd place worldwide (out of 304 groups), and 1st place for Europe (out of 129).

Second, the Carbon Disclosure Project (CDP), the benchmark international ranking of major corporations' carbon strategies, gave the Group a 99% rating for transparency and an A- in performance. This was the Group's third year of participation.

60 Direct, indirect, ancillary, and restated (certified by EY).

1.3 CHANGES IN ACCOUNTING

The IFRIC 21 – " Levies" interpretation, adopted by the European Union on June 13, 2014, applies to outflows imposed on entities by governments, leading entities to record a debt immediately when there is an obligation to pay. The interpretation affects the interim recognition schedule for select levies, such as the French corporate social solidarity contribution and land taxes.

This interpretation is mandatory on a retrospective basis, from January 1, 2015. The 2014 data, as expressed below in the Group's financial statements, were restated accordingly (very slight impact).

2 BUSINESS REVIEW

2.1 REIT

Altarea Cogedim's real estate activity consists almost entirely of shopping centers, although a long-term carry strategy may on occasion be used for certain atypical assets (such as Rungis Market) or unusually outstanding office sites.

In terms of retail real estate, the Group's strength is in the size of its portfolio of projects developed on its own behalf. The main future growth in rents will be generated by the entry into operations of large secured projects whose size (in terms of rent) represents the equivalent of the current holdings.

2.1.1 Retail REIT

In operation Under development
December 31, 2015 GLA in
Projected
gross rental
income (€m) (d)
Appraisal value
(€ millions)(e)
GLA
created
in m²
Projected
gross rental
income (€m)
Net
investments
(€m) (f)
Controlled assets (fully consolidated) (a) 648,681 181.0 3,576 463,100 183.0 2,324
Group share
Share of minority interests
520,632
128,049
142.5
38.5
2,489
1,087
390,100
73,000
144.4
38.6
1,837
488
Equity assets (b) 105,618 20.3 245 90,000 16.1 223
Group share
Share of third parties
49,332
56,286
9.5
10.8
117
128
45,000
45,000
8.1
8.1
112
112
Management for third parties (c) 190,900 39.6 606 - - -
Total assets under management 945,199 240.9 4,427 553,100 199.1 2,548
Group share
Share of third parties
569,964
375,235
152.0
88.8
2,606
1,821
435,100
118,000
152.4
46.7
1,948
599

(a) Assets in which Altarea holds shares and over which it exercises operational control. Fully consolidated in the consolidated financial statements.

(b) Assets in which Altarea is not the majority shareholder, but for which it exercises joint operational control or has significant influence. Consolidated using the equity method in the consolidated financial statements.

(c) Assets held entirely by third parties who entrusted Altarea with a management mandate for an initial period of three to five years, renewable.

(d) Rental values of leases signed at January 1, 2016.

(e) Appraisal value including transfer duties.

(f) Total budget including interest expenses and internal costs.

2.1.1.1 Market trends and Group strategy

Consumption by French households recovered in 2015, despite the impact of the terrorist attacks in Paris at the end of the year, reaching overall growth of 1.8%, led, notably, by the strong upturn in household goods and equipment (+5.7%)61 .

The shopping center performance indicator (the CNCC index) reflects this trend, with tenant sales up 0.2%62 .

In this context, Altarea Cogedim is pursuing its strategy: concentrate its portfolio on premium assets with strong appeal and marketability.

2.1.1.2 Operational performance

TENANTS' SALES63

Total shopping centers Sales (incl. tax)
France 1.5%
Italy 3.6%
Spain 5.2%
Total 2.0%
Benchmark (CNCC) 0.2%

Tenants of the Group's shopping centers posted revenues up 1.5%64, despite the slowdown following the November terrorist attacks (particularly at shopping centers in the Paris region).

61Source: INSEE December 31, 2015 (sales of manufactured goods and sale of household equipment over 12 months). 62Source: CNCC, change in tenant sales on a like-for-like basis at

December 31, 2015 over 12 months.

63 Change in tenant sales on a like-for-like basis for 2015, excluding assets being redeveloped and held for sale.

64 Change in tenant sales on a like-for-like basis for 2015 in France.

CONSOLIDATED NET RENTAL INCOME

Net rental income (IFRS) reached €160.5 million, (+2.6%) in 2015. At constant scope, rental income grew by +1.3% in France, excluding the negative impact of indexation (-0.13%).

€ mill.
Net rental income at December 31, 2014 156.5
100% control of Qwartz 12.5
Disposals (8.5)
Redevelopments (0.6)
Indexation on the like-for-like basis (a) (0.2) -0.1%
Like-for-like change France 1.6 +1.3%
Like-for-like change International l (b) (0.7) -3.5%
Total change net rental income 4.0 +2.6%
Net rental income at December 31, 2015 160.5

(a) For France: ILC (Index of Commercial Rents) Q3 2015. (b) Excluding impact of indexation.

Qwartz

France's first connected regional shopping center, Qwartz, celebrated its first anniversary in April 2015. Honored four times in 2014 for its digital innovations, this 86,000 m² center (with a 43,000 m² GLA shopping gallery) and 165 boutiques is an exceptional showcase for retailers. Footfall is expected to reach a yearly 9 million visitor level.

Qwartz is the first center to feature Digital Factory functionalities. Since its opening, the center's operational performance has been sharply higher than expected from an asset in the launch phase65 .

For this project, initially developed in partnership, Altarea Cogedim Group increased its ownership to 100% in 2015 (compared to 50% previously), based on a 100% valuation of approximately €400 million, including transfer duties. Consequently this center has been fully consolidated in the Group's financial statements since the date of the transaction.

Centers opened

In 2015, two extensions to existing assets were delivered:

• The Jas-de-Bouffan shopping center in Aix-en-Provence was renovated and the shopping gallery was extended, increasing the center's overall dimensions to 35,200 m², including a Casino hypermarket66 and an 11,800-m² GLA shopping gallery comprising 70 stores.

• The Marque Avenue® A13 outlet in Aubergenville, with exceptional strengths (catchment area, accessibility, design and innovative shopping experience) that helps to attract new customers to the existing Family Village® and increase global rental income. Marque Avenue® A13 includes 61 shops over 12,900 m². It received the 2015 Janus du Commerce label in July.

Disposals in Italy

In May 2015, the Group sold four small shopping centers to Tristan Capital Partners for a total of €122 million, or 7% more than the appraisal value at December 31, 2014.

Redevelopments

In 2015, the Group's redevelopment projects, undertaken to strengthen its centers, concerned primarily Cap 3000 (redevelopment of the existing center together with the extension project), Carré de Soie (internal transfers of tenants to expand the existing offering and allow for the arrival of MiniWorld, the only theme park of its kind in France) and Massy (a center that is being emptied gradually in anticipation of redevelopment).

LEASING ACTIVITY (GROSS RENTAL IN-COME)67

At 100% Number
of leases
New rent Old rent %
Pipeline (develop
ment)
83 €18.5 m n/a n/a
Existing assets 132 €14.7 m €12.2 m +20%
Total Portfolio 215 €33.2 m €12.2 m
Management for
third parties
49 €4.1 m €3.6 m +13%
Total leasing
activity
264 €37.3 m €15.5 m

Adding leases signed on assets managed for third parties, rental activity totaled 264 leases for €37.3 million, or an increase of 31% as compared with 2014.

Among the significant events in the marketing activity, the Via Piano brand (160 restaurants in 32 countries) is planning to premiere its largest restaurant in the world, with more than 1,800 m², in Bercy Village. The brand will introduce its new Bottega and kids' rooms concepts, all organized around a remarkable millennial olive tree.

19 ALTAREA COGEDIM BUSINESS REVIEW DECEMBER 31, 2015

65 At December 31, 2015, Qwartz recorded a 10% increase in footfall and 9% increase in tenants sales, after restatement for impact of opening. 66 Excluding Group assets.

67 Excluding property being redeveloped and held for sale.

At the Gare du Nord, retail offerings were fully renewed with 30 new concepts, both national and international.

The Aubette shopping gallery will soon welcome the first Starbucks in Alsace, at Place Kléber.

FRANCE (91% OF THE PORTFOLIO)

Lease expiry schedule

in €
millions,
at 100%
Lease expiry
date
% of
total
3-year termina
tion option
% of
total
Past 11.5 6.4% 11.6 6.5%
2016 3.4 1.9% 21.9 12.3%
2017 15.0 8.4% 50.0 27.9%
2018 14.5 8.1% 36.4 20.4%
2019 10.2 5.7% 19.1 10.7%
2020 21.8 12.2% 15.6 8.7%
2021 15.5 8.7% 10.7 6.0%
2022 19.9 11.1% 3.8 2.1%
2023 21.1 11.8% 6.1 3.4%
2024 28.7 16.1% 2.4 1.4%
2025 14.6 8.2% 0.0 0.0%
2026 1.4 0.8% - 0.0%
>2026 1.3 0.7% 1.2 0.7%
Total 178.9 100% 178.9 100%

Occupancy cost ratio68, bad debt ratio69 and financial vacancy rate70

2015 2014 2013
Occupancy cost ratio 9.9% 9.8% 10.2%
Bad debt ratio 1.9% 0.7% 1.5%
Financial vacancy rate 2.9% 3.4% 3.4%

INTERNATIONAL (9% OF THE PORTFO-LIO)

Following the disposal of four non-core assets in Italy, the international portfolio includes three major assets with an average value of €119 million: one in Spain and two in Italy, located in the most dynamic areas of each country (Barcelona and Lombardy).

In Italy, against a backdrop of economic recovery, the "refocused" portfolio exhibits solid performance

with tenant sales71 up 3.6% and a 2.8% increase in footfall.

This is the result of asset management and lease review initiatives (higher quality retailers), which still has a slight impact on net rental income likefor-like (-5.2%) and has improved bad debt ratio (1.6% vs. 2.0% at year-end 2014, after collection of outstanding debt).

The performance of Sant Cugat in Spain also confirms the center's solid positioning: tenant sales rose 5.2% and footfall increased by 1.1%.

2.1.1.3 Management for third parties

The Group has significantly developed its management for third parties activity in recent years. In 2015, these assets represented €39.6 million in rental income, for total value of €606 million. They make a significant contribution to the growth in Altarea Commerce's fees.

Combining controlled assets and assets managed for third parties, Altarea manages a total of approximately 1,800 leases in France and 300 in Italy and Spain.

2.1.1.4 Portfolio composition

During 2015, the value of the portfolio held by the Group (assets controlled or equity affiliates) increased by €84 million to €3,821 million. The disposal of the Italian assets was offset by the opening of centers during the year (+€76 million) and, in particular, by the increase in value of the portfolio on a like-for-like basis (+€142 million, or a change of +4.8%).

in € millions Value (a)
Total at December 31, 2014 3,737
Centers opened 76
Acquisitions -
Disposals (134)
Like-for-like change 142 +4.8%
o/w France 130
o/w International 12
Total change 84
TOTAL at December 31, 2015 3,821
o/w Group share 2,606
o/w share of third parties 1,215
(a) Assets controlled (fully consolidated) and assets consolidated under the equity
method (total figure)

On a like-for-like basis, the change included €12 million relating to rental effects and €130 million related to rate effects.

68 Ratio of rents and expenses charged to tenants incl. taxes (including rent reductions), proportional to sales incl. taxes at 100% in France. Excluding property being redeveloped and held for sale.

69 Net amount of allocations to and reversals of provisions for bad debt plus any write-offs during the period as a percentage of total rent and expenses charged to tenants, at 100% in France. Excluding property being redeveloped and held for sale.

70 Rental value of vacant units (ERV) compared to the rental situation including ERV.

71 Change in tenant sales on a like-for-like basis for 2015.

The Group held 39 sites (36 in France and 3 internationally) with an approximate average value of €100 million.

Nearly all of the assets are now concentrated in the most dynamic metropolis in France and internationally.

Breakdown by type
(in millions of euros)
2015 2014 Change
Regional shopping centers 2,447 64% 2,275 61% 3 pts
Large retail parks (Family V) 845 22% 802 21% 1 pt
Local/Downtown 529 14% 660 18% (4) pts
TOTAL 3,821 100% 3,737 100%
o/w Group share 2,606 2,416
Geographical distribution
(in millions of euros)
2015 2014 Change
Paris Region 1,398 37% 1,275 34% 3 pts
PACA/Rhone-Alpes/South 1,709 45% 1,573 42% 3 pts
France - Other regions 357 9% 411 11% (2) pts
International (Lombardy &
Barcelona)
357 9% 478 13% (4) pts
TOTAL 3,821 100% 3,737 100%
o/w Group share 2,606 2,416
Asset format 2015 2014 Change
France
Average value
€96 m €93 m 3%
Num. of assets 39 42 -3
TOTAL Average value €98 m €89 m 10%
tional Num. of assets 3 7 -4
Interna Average value €119 m €68 m 74%
Num. of assets 36 35 1
France Average value €96 m €93 m 3%

CAPITALIZATION RATE72

Net average capitalization rate,
at 100%
2015 2014
France 5.26% 5.49%
International 6.69% 7.15%
TOTAL Portfolio 5.40% 5.71%
o/w Group share
o/w share of third parties
5.64%
4.87%
5.99%
5.03%

APPRAISAL VALUES

Cushman & Wakefield (formerly DTZ Valuation) and JLL are responsible for appraising the assets of Altarea Cogedim Group. The appraisers use two methods:

• discounting of cash flows, with resale value at the end of the period;

• capitalization of net rental income, based on a capitalization rate that includes the site's characteristics and rental income (also including variable rent and market rent of vacant premises, adjusted for all charges incumbent upon the owner).

These valuations are conducted in accordance with the criteria set out in the "Red Book - Appraisal and Valuation Standards," published by the Royal Institute of Chartered Surveyors. The assignments were all conducted in accordance with the recommendations of the COB/CNC Barthes de Ruyter working group and comply fully with the instructions of the Appraisal Charter of Real Estate Valuation (Charte de 'Expertise en Evaluation Immobiliere), updated in 2012. Surveyors are paid lump-sum compensation based on the size and complexity of the appraised properties. Compensation is therefore totally independent of the results of the valuation assessment.

The value of the portfolio breaks down by appraiser as follows:

Appraiser Portfolio % of value, incl.
transfer taxes
JLL France 24%
Cushman & Wakefield France & International 76%

2.1.1.5 COMMITTING TO A "LOW CAR-BON" WORLD

In 2015, the Group sought to reduce its direct greenhouse gas emissions and its wider carbon footprint by emphasizing less carbon-intensive construction.

With regard to its direct impact, the Group reduced its greenhouse gas emissions by 37% for assets managed between 2010 and 2015, specifically as a result of a more systematic approach to environmental certification. With 100% of its portfolio certified BREEAM In-Use, in 2015 Altarea Cogedim became the first French commercial property company to obtain environmental certification for all assets managed.

In terms of low carbon construction, in 2015 Altarea Cogedim opened the first 100%-wood shopping center in France - Marques Avenue® A13 Aubergenville. The group also declared its commitment publicly by signing, with the City of Paris, the Paris Climate Action Commitment Charter. Together with other partners, it also founded the low-carbon building association (BBCA).

72 The capitalization rate is the net rental yield relative to the appraisal value excluding transfer duties.

COMMERCIAL PROPERTY: BREAKDOWN OF THE PORTFOLIO MANAGED AS OF DECEMBER 31, 2015

o/w Group share o/w share of third
Center GLA in
Gross rental
income
(€ millions)
(d)
Value
(€ millions)
(e)
Share Value
(€ millions)(e)
Share parties
Value
(€ millions)(e)
CAP 3000
Villeneuve-la-Garenne - Qwartz
64,500
42,980
33%
100%
67%
-
Toulouse Occitania 56,200 51% 49%
Paris - Bercy Village 22,824 51% 49%
Thiais Village 22,324 100% -
Aix-en-Provence 11,800 78% 22%
Gare de l'Est 5,500 51% 49%
Flins
Okabé
9,700
15,077
100%
65%
-
35%
Lille - Les Tanneurs & Grand' Place 25,480 100% -
Strasbourg - L'Aubette & Aub. Tourisme 8,400 65% 35%
Strasbourg - La Vigie 16,232 59% 41%
Toulon - Ollioules 3,185 100% -
Mulhouse - Porte Jeune 14,769 65% 35%
Massy 18,200 100% -
Toulon - Grand' Var 6,336 100% -
Tourcoing - Espace Saint Christophe
Gennevilliers (RP)
13,000
18,863
65%
51%
35%
49%
Brest - Guipavas (RP) 28,000 100% -
Nimes (RP) 27,500 100% -
Limoges (RP) 28,000 75% 25%
Aubergenville - Marques Avenue 12,900 100% -
Family Village® Aubergenville (RP) 27,800 100% -
Family Village® Le Mans Ruaudin (RP) 23,800 100% -
Herblay - XIV Avenue 14,200
18,623
100%
100%
-
-
Villeparisis
Pierrelaye (RP)
9,750 100% -
Various shopping centers (3 assets) 7,491 n/a n/a
Sub-total France 573,433 158.7 3,219.6 2,132 1,087
Barcelona - San Cugat 20,488 100% -
Le Due Torri 33,691 100% -
Bellinzago 21,069 100% -
Sub-total International 75,248 22.3 356.6 357 -
Controlled assets (fully consolidated) (a) 648,681 181.0 3,576 2,489 1,087
Carre de Soie 60,800 50% 50%
Paris - Les Boutiques Gare du Nord 3,750 40% 60%
Chalons - Hotel de Ville 5,250 40% 60%
Roubaix - Espace Grand' Rue 13,538 33% 68%
Various shopping centers (2 assets)
Equity assets (b)
22,279
105,618
20.3 245 n/a 117 n/a 128
Chambourcy 33,800
11,400
-
-
100%
100%
Bordeaux - Grand' Tour
Bordeaux - St Eulalie
14,500 - 100%
Pau - Quartier libre 33,800 - 100%
Brest - Jean Jaures 12,500 - 100%
Nantes - Le Sillon Shopping 11,200 - 100%
Orange - Les Vignes 30,700 - 100%
Vichy - Les 4 Chemins 14,000 - 100%
Reims - Espace d'Erlon 7,100 - 100%
Valdoly 5,800
6,400
-
-
100%
100%
Brest - Coat ar Gueven
Angers - Fleur d'Eau
2,900 - 100%
Chalon Sud 4,000 - 100%
Toulon - Grand Ciel 2,800 - 100%
Assets managed for third parties (c) 190,900 39.6 606 - 606
Total assets under management 945,199 240.9 4,427 2,606 1,822

(a) Assets in which Altarea holds shares and over which it exercises operational control. Fully consolidated in the consolidated financial statements.

(b) Assets in which Altarea is not the majority shareholder, but for which it exercises joint operational control or a significant influence. Consolidated using the equity method in the consolidated financial statements. (c) Assets held entirely by third parties who entrusted Altarea with a management mandate for an initial period of three to five years, renewable.

(d) Rental value of signed leases at January 1, 2016.

(e) Including transfer taxes.

(RP) Retail Park.

2.1.2 Shopping centers under development

2.1.2.1 Development pipeline

The Group is focused on initiatives to restructure and develop three kinds of products:

  • large regional shopping centers,
  • on-the-spot retail sites, and,
  • Family Village® (large retail parks).

At year-end 2015, these initiatives represented a development pipeline of more than €2.5 billion (at 100%).

Compared with the Group's portfolio in operation, the pipeline represents potential additional rental income greater than the current amount of rental income73 .

m² GLA
(c)
Est. gross
rental
income
(€m)
Net
invest
vest
ments
(€m) (d)
Gross
forecasted
yield
Controlled projects
(fully consolidated) (a)
463,100 183 2,324 7.9%
Group share 390,100 144 1,837
Share of minority interests 73,000 39 488
Equity projects (b) 90,000 16 223 7.2%
Group share 45,000 8 112
Share of third parties 45,000 8 112
Total 553,100 199 2,548 7.8%
Group share 435,100 152 1,948 7.8%

(a) Projects in which Altarea holds shares and over which it exercises operational control. Fully consolidated in the consolidated financial statements.

(b) Projects for which Altarea is not the majority shareholder. Consolidated using the equity method in the consolidated financial statements. (application of IFRS 11). (c) Total GLA (Gross Leasable Area) built and/or redeveloped, excluding off-plan develop-

ments for third parties. (d) Total budget including interest expenses and internal costs.

The pipeline's yields reflect the significant share of premium assets located in areas where property is scarce (including train stations, Paris projects and Cap 3000).

GEOGRAPHIC BREAKDOWN

This pipeline is located primarily in the greater Paris region and the most dynamic metropolis.

GLA in
Est. gross
rental in
come (€m)
Net
Invest
ment
(€m)
%
Paris 77,000 32 441 17%
Greater Paris 280,000 89 1,142 45%
Dynamic cities 138,000 71 880 35%
Other 58,000 7 86 3%
Total 553,000 199 2,548 100%

When the Paris projects are opened (Macdonald, Montparnasse and Austerlitz), the rents billed by the Group will reach €59 million74 in Paris proper (or 34% of rental income recognized in 201575).

PIPELINE UNDERWAY

Altarea Cogedim Group reports only on projects that are secured or underway76. This pipeline does not include identified projects for which development teams are currently in talks or carrying out advanced studies.

(€ millions, net) At 100% % Group share
Committed 868 34% 355
o/w paid out 425 17% 187
Remaining to be paid out 443 17% 168
Secured not committed 1,680 66% 1,593
Total 2,548 100% 1,948

Given the Group's cautious risk management criteria, the decision to begin construction is made only when a sufficient pre-letting level has been reached. Considering the operational progress achieved in 2015, both administrative and operational, most pipeline projects should be delivered between 2016 and 2021.

2.1.2.2 2015 Accomplishments

LEASES SIGNED

Over the course of the year, 83 leases were signed on pipeline assets, for a total of nearly €19 million in rental income, primarily concerning assets to be delivered in the near future (Macdonald and Toulon-La Valette) or in the works phase (Promenade de Flandres).

23 ALTAREA COGEDIM BUSINESS REVIEW DECEMBER 31, 2015

74 At 100%, €28 million in Group share.

75 Rental income 2015: €175 million.

76 Projects underway: assets under construction. Projects secured: projects partially or fully authorized, where land has been acquired or for which contracts have been exchanged, but on which construction has not yet begun.

73 Gross rental in the pipeline: €152 million compared to €152 million on existing assets (amounts in group share).

INVESTMENTS CARRIED OUT FOR PRO-JECTS UNDER DEVELOPMENT

Over the year, Altarea Cogedim invested77 €230 million in its project portfolio on a Group share basis.

These investments relate mainly to:

• residual investments in recently delivered centers (Aubergenville, Qwartz…),

• and shopping centers under construction and/or redevelopment (primarily Cap 3000 and Toulon-La Valette).

GARE DE PARIS-AUSTERLITZ: BID WON

Following the tender launched by Gares & Connexions, Altarea Cogedim Group was selected as a partner in the Paris-Austerlitz train station modernization project to increase its capacity, ultimately, to 30 million travellers (compared to 22 million today).

The Group will thus be responsible for the design, construction and operation of the 27,000 m² of retail space in this historic station, which will also include offices and hotels (not to be developed by the Group), with an average temporary occupancy authorization of 40 years.

One year after being selected to guide the transformation of the Paris-Montparnasse train station (CDAC final and enforceable authorization obtained in June 2015), this additional winning proposal confirms the Group's expertise in travel retail78 .

CAP 3000

Following passage of the Macron Act, the CAP 3000 shopping center near Nice was classified as an international tourist zone in February 2016 and may now remain open until midnight, as well as on Sundays.

After an initial remodeling in 2012, the 2014 opening of waterfront restaurants and a new parking lot (increasing the number of parking places from 3,000 to 4,600 in 2015), the Group launched the extension-renovation in November.

Following this project, which will be carried out between 2016 and 2018, the center will include 300 retailers over a total net floor area of 135,000 m² (GLA of 100,000 m²), compared to 140 retailers and a total net floor area of 85,000 m² today.

Construction cost amounts to approximately €400 million, bringing the overall amount invested in the center since its acquisition to over €1 billion, with a gross rental income objective of close to €75 million (as compared with €23 million in 2010 at the time of the acquisition).

2.1.2.3 DELIVERIES PLANNED FOR 2016

In 2016, the Group will deliver two flagship shopping centers:

• Boulevard Macdonald, a center of more than 30,000 m² GLA developed in a 50/50 partnership with Caisse des Dépôts. This project, located across from a UGC multiplex movie theater, will feature 40 shops and restaurants, including 10 mid-size stores. The location is well served by three tramway stations and the brand new Rosa Parks train station (for the RER E line).

• L'Avenue 83 (Toulon-La Valette), an open-air shopping and leisure center with 51,000 m² 79 of space, located in one of the most attractive commercial areas in France (Toulon – Grand Var). It will include two large individual department stores, approximately 12 mid-size stores, 70 shops and kiosks, and 5,000 m² of restaurant space, with outside terraces, and a 16-screen Pathé multiplex cinema. Designed as an open-air retail street, Avenue 83 will offer large spaces, open plazas, a playground for children, and about 20 theme restaurants and top international brands, such as Primark, Habitat and Nike.

These two projects represent a total of €21.8 million in rental income when up to speed (€11.0 million Group share).

77 Change in non-current assets net of changes in amounts payable to suppliers of non-current assets.

78 Note that the Group already manages the shops at Gare du Nord and Gare de l'Est.

79 Of which 37,000 m² GLA of retail space and 14,000 m² of movie theaters.

COMMERCIAL PROPERTY: BREAKDOWN OF THE DEVELOPMENT PIPELINE AS OF DE-CEMBER 31, 2015

At 100% Group share
Center SC/
RP
Creation / Re
development
/Extension
Forecast
opening
date (a)
GLA
created
in
m² (b)
Gross
rental
income
(€m)
Net
invest
vest
ments
(€m) (c)
Yield GLA
created
in
m² (b)
Gross
rental
income
(€m)
Net
invest
vest
ments
(€m) (c)
Cap 3000 SC Re 2016/2018 37,000 12,300
La Valette-du-Var SC dev./Extension
Creation
H1 2016 38,800 19,800
Massy -X% SC Re H2 2019 34,900 34,900
Chartres SC dev./Extension
Creation
H2 2018 70,000 70,000
Paris Region SC Re H2 2021 86,000 86,000
Gare Montparnasse SC dev./Extension
Creation
2018/2020 18,500 18,500
Gare d'Austerlitz SC Creation H2 2021 26,600 26,600
Other 106,600 77,400
Developments/France 418,400 170.2 2,166 7.9% 345,500 131.6 1,678
Ponte Parodi (Genoa) SC Creation H2 2020 36,700 36,700
Le Due Torri (Lombardy) SC Extension H1 2018 8,000 8,000
Developments/International 44,700 12.8 158 8.1% 44,700 12.8 158
Controlled developments (fully consolidated) 463,100 183.0 2,324 7.9% 390,100 144.4 1,837
Promenade de Flandre RP Creation H2 2017 58,400 29,200
Boulevard Macdonald SC Creation H1 2016 31,600 15,800
Equity-method developments 90,000 16.1 223 7.2% 45,000 8.1 112
Total at December 31, 2015 553,100 199.1 2,548 7.8% 435,100 152.5 1,948
o/w redevelopments/extensions 219 700 109,9 1 389 7,9% 195 000 84,2 1 067
o/w asset creation
(A) Estimated schedule of openings as of the date hereof. These forecasts may change based on the later development stages of the project.
333 400 89,2 1 159 7,7% 240 100 68,3 882

(b) Total GLA (Gross Leasable Area) created, excluding off-plan developments for third parties. For renovation/extension projects, figures represent additional GLA created. (C) Total budget including interest expenses and internal costs.

(SC) Shopping center.

(RP) Retail Park.

2.1.3 Digital Factory enriching the customer experience

Over the last three years, Altarea Commerce has built up human and technological capital, which is at the heart of its activities as a real estate investor. These initiatives led to the development of the Digital Factory, a platform that centralizes customer data efficiently. In practical terms, the Digital Factory:

• Collects customer data and information drawn from the Group's many channels,

• centralizes this information in a system dedicated to data processing (a DMP, or Data Management Platform),

• to use the information collected (including automatic data analysis and reporting) and establish targeted action plans.

The Digital Factory gives the Group a unique tool at the intersection of CRM and Big Data. This tool:

• increases knowledge of customers (including segmentation, profile comparison, online and offline purchasing behaviour, and cross-referencing with "opt-in" databases),

• provides a minute-by-minute analysis of customers' physical itinerary in connected shopping centers (including information on purchasing habits by aggregating receipts, and individual footfall for each shop),

• contributes to efficient actions (including targeted customer communication, customized geolocationbased offers in real time, optimized mixed merchandising management, solutions to increase footfall in "cold areas" and during off-peak hours, and negotiations with retailers based on objective criteria).

These features are already operational at Qwartz, France's first connected shopping center. The Digital Factory has helped to maximize the center's development. The Digital Factory is integrated over all new projects and those now being rolled out in Altarea Cogedim's main shopping centers that are already open to the public.

To further strengthen and build its customer knowledge, the Group acquired a 25% stake in the Openfield software company. The company, which specializes in the management and use of data in connected locations, is developing a Business Intelligence and Customer Relationship Management solution.

2.1.4 Other real estate investments

2.1.4.1 Rungis National Interest Market (MIN): extension of the concession until 2049

Altarea Cogedim Group has a 33.34% stake in Semmaris, the company that holds the Rungis MIN concession, together with the State (33.34%), several other public entities, and market operators80 .

RUNGIS MARKET

Rungis is the world's largest food wholesale market, spanning 2,340,000 m², with more than 1,000,000 m² of leasable surface area. The market's 1,200 operators employ nearly 12,000 people. Sales in 2014 stood at €8.9 billion.

SEMMARIS

The Société d'Exploitation du Marché International de Rungis was created by decree in 1965, when the wholesale produce market serving the Paris region was moved from its traditional site at Les Halles, in central Paris. Its mission is to develop, operate and manage public market network (MIN) facilities, which it leases to companies in return for charges billed to wholesalers and market users.

The Macron Act, which was passed in 2015, extends the Semmaris concession until 2049 (compared to 2034 previously). This extension provides Semmaris with sufficient visibility so that it can implement its new investment plan by 2025. Semmaris plans to build 264,000 m², demolish 132,000 m², and redevelop 88,000 m², at a total cost of €1 billion, half of which will be borne by Semmaris and the remainder by the businesses at the site.

SEMMARIS REVENUES

Semmaris' revenue is composed of charges billed to the market's companies and of access rights, for a 2015 total of €104.9 million.

As the Group holds only a 33.34% interest in Semmaris, the IFRS consolidated income for Semmaris appears on the line, "Share of earnings of equity method associates."

80 The City of Paris holds 13.19%, the department of the Val de Marne holds 5.60%, the Caisse des Dépôts et Consignations holds 4.60%, and professionals and other operators hold 9.93%.

2.2 DEVELOPMENT

With €1,980 million in investments (Residential and Offices) in 2015, Altarea Cogedim has confirmed its ranking as one of the three leading developers in France81 .

With revenue of €1,012 million (+24%) and operating margin82 of 8.2% (as compared with 7.1% in 2014), Residential and Office development contributed to the strong increase in the Group's income in 2015.

2.2.1 Residential83

2.2.1.1 Residential Market in 2015 and Future Prospects

There was an upturn in new housing sales in 201584. Sales increased by 17% to approximately 102,000 new residences85, primarily funded by private investors, as the appeal of the Pinel initiative was confirmed and led to the return of private investors who had become much less active on the market since the withdrawal of the Scellier law.

With interest rates expected to remain low, the extension of the Pinel initiative, and the expansion of the zero-interest loan (PTZ)86 to help households regain solvency, increased activity is expected throughout the market in 2016, with respect to both institutional investors and private buyers.

2.2.1.2 Altarea Cogedim's Market Position

PRODUCT OFFERINGS THAT MEET CUR-RENT NEEDS

Active in the Paris Region and in 11 of the most economically and demographically dynamic metropolis87, Altarea Cogedim targets areas where housing is short in supply and where needs for new constructions are the strongest.

The Group offers a wide range of products, making it relevant in all market segments. Its products are divided into the following sectors:

High-End Products: These products are defined by high-end requirements in terms of architecture, quality, and location. This product line offers housing at prices starting at €5,000 per square meter in Île-de-France, and starting at €3,600 per square meter in other regions, up to luxury developments such as Exaltis, a project in Paris's 16th Arrondissement (Porte d'Auteuil), the launch of which in November 2015 was a commercial success;

Mid-Range and Entry-Level Products: These programs, which represent two-thirds88 of the Group's investments as of the end of 2015, are specifically designed to do the following:

• meet the need for affordable housing suited to the creditworthiness of our customers,

• fulfill individual investors' desires to take advantage of the new "Pinel" scheme,

• take advantage of local authorities' eagerness to develop affordable housing operations.

Serviced Residences: Under the Cogedim Club® brand, Altarea Cogedim designs serviced residences for active seniors, combining locations in the heart of the city with a broad range of à la carte services. In 2015, four Cogedim Club residences were sold in blocks to various institutional investors in Ile-de-France and in Marseille. In addition, the 35% stake acquired by Credit Agricole Assurances in Cogedim Residences Services, the company that operates Cogedim Club® residences, enables the Group to accelerate the development of this housing. In addition to residences for seniors, the Group is developing an extended line of Serviced Residences, such as student residences, business tourism residences, and luxury residences.

Divided ownership sales: The Altarea Cogedim Group has developed a solution based on the temporary division of ownership. This product offering helps middle class families obtain housing in areas with shortages, while at the same time providing an investment opportunity to private investors. Four programs are currently being marketed in Villejuif, Nogent sur Marne, Arcachon and Toulouse, and 10 others are being considered.

Renovation of heritage properties: With the 2014 acquisition of a 55% stake in Histoire & Patrimoine, Altarea Cogedim now boasts a product

88 By volume.

81 With Nexity (€2,769 million in investments) and Bouygues (€2,450 million in investment), Residential and Office combined.

82 Operating income over revenue.

83 Excluding Pitch Promotion 84 Source: Ministère du Développement Durable (Ministry of Sustainable Development). Chiffres et Statistiques [figures and statistics] November 2015: sales of new housing in the third quarter of 2015.

85 Estimate: growth of 17% in the residential market in 2015 (86,900 units in 2014: source: Ministère du Développement Durable (Ministry of Sustainable Development).

86 Beginning in January 2016, the PTZ may be used to finance 40% of a property's purchase price (as compared with 18% to 26% in 2015). In addition, the maximum income at which borrowers are eligible for the PTZ has been increased, and the payment deferral is at least five years and up to 15 years depending on the household's financial resources. Finally, PTZ loans are now available throughout France, whereas they were previously available only in 6,000 rural municipalities.

87 Lyon, Lille, Nice, Marseille, Toulouse, Bordeaux, Grenoble, Annecy, Montpellier, Nantes and Strasbourg

offering eligible for tax benefits under the Historic Monuments, Malraux and Real Estate Losses schemes. This acquisition also enables the Group to enlarge its offering for local governments while creating sales and development synergies with all Group businesses. In particular, commercial synergies were developed in 2015, with successful commercial launches mixing new/renovated programs in Pantin, St. Raphaël, and Arras.

DIFFERENTIATED SERVICE OFFERINGS

Rental management for private investors: In addition, with the creation of Cogedim Gestion et Services, born of the combined expertise of Altarea Cogedim and Histoire et Patrimoine Gestion, the Group is developing strong synergies in terms of rental management and property management.

Personalization, services and customer proximity: The Group initiated a new generation of innovative and customizable projects, such as the Inspiration program in Nantes, which includes a range of doorman and concierge services such as receipt of packages, holding keys, receiving grocery deliveries, and on demand. In addition, connected "intelligent" halls offering à la carte content will also be made available to users. Finally, digital orders will enable customers to leave objects, keys or personal items. All of these services will be managed through a smartphone application available to residents.

At the same time, Altarea Cogedim has begun a full review of its processes and residential customer support through digital media. Concretely, this will be accomplished by launching the Cogedim Store, which will feature the latest immersive technologies, such as home configuration and tours through augmented reality.

2.2.1.3 Cogedim: reservations89 up by 33% by volume (+28% by value)

RESERVATIONS BY VOLUME AND VALUE

The Group's reservations for new residences totalled €1,417 million in 2015, for 6,011 units: +33% in volume et +28% in value.

This performance is due to the adaptation of the offering to market segments with increasing needs, while maintaining "quality as a principle," the foundation of Cogedim's brand capital. 88 transactions

were launched, the majority of which were entrylevel and mid-range90, for approximately €1,600 million including taxes and 6,800 units, or 53% more than in 2014.

2015 2014 Change
Individual reserva
tions
€898 m €730 m +23%
Sales to institutional
investors
€519 m €373 m +39%
Total in value
terms
€1,417 m €1,103 m +28%
Individual reserva
tions
3,396 units 2,695 units +26%
Sales to institutional
investors
2,615 units 1,831 units +43%
Total in number of
units
6,011 units 4,526 units +33%

The strong increase in sales was due in particular to sales to institutional investors, which represented 37% of sales (as compared with 34% in 2014).

Altarea Cogedim and the SNI Group signed a fiveyear partnership for the sale of mid-range housing. In 2015, the negotiations concluded with an agreement on 2,000 units, including 1,250 middleincome units and 750 low-income units. Only 363 units were included in 2015 investments; the remainder will be recorded in 2016 as construction permits are obtained.

RESERVATIONS BY PRODUCT RANGE

(Number of units) 2015 % 2014 % Change
Entry-level/mid-range 3,977 66% 3,023 67%
High-end 1,312 22% 1,017 22%
Serviced residences 510 8% 329 7%
Renovation 213 4% 157 3%
Total 6,011 4,525 +33%

The increase in sales in 2015 benefited all of the product lines developed by the Altarea-Cogedim Group.

NOTARIZED SALES

(€m incl. taxes) 2015 % 2014 % Change
Entry-level/mid-range 669 56% 591 55%
High-end 375 31% 325 30%
Serviced residences 122 10% 127 12%
Histoire & Patrimoine 32 3% 39 4%
Total 1,198 1,082 +11%

90 Programs for which the sale price is lower than €5,000 per square meter in the Paris region or €3,600 per square meter elsewhere.

89 Reservations net of cancellations, including Histoire & Patrimoine reservations proportionally to the group's ownership stake (55%).

Notarized sales totaled €1,198 in 2015, an increase of 11% as compared with 2014.

2.2.1.4 Operating income: increase in all indicators (revenue, operating result, and backlog)

REVENUES RECOGNIZED ACCORDING TO THE PERCENTAGE OF COMPLETION METHOD91

(€ millions, excl. tax) 2015 % 2014 % Chan
ge
Entry-level/mid-range 491 56% 364 48%
High-end 332 38% 318 42%
Serviced residences 60 7% 72 9%
Total 883 755 +17%

Housing revenues totalled €883 million, an increase of 17% compared to 2014. Entry-level and mid-range programs represented 56% of revenues recorded according to the percentage of completion method.

RESIDENTIAL BACKLOG92

(€ millions, excl. tax) 2015 2014 Change
Notarized revenues not
recognized
959 879
Revenues reserved but not
notarized
780 580
Backlog 1,739 1,459 +19%
Number of months 21 22

At year-end 2015, the Housing backlog totalled €1,739 million, or 21 months of work, an increase of 19% compared with 2014. This amount does not include housing that is "pre-reserved" by the SNI (in connection with the five-year partnership discussed above) but not yet included in 2015 investments. These 1,637 units (out of 2,000 negotiated) represent a potential of an additional €226 million (excluding tax).

The share of the backlog as of December 31, 2015 that will generate revenue beginning in 2016 by itself represents the equivalent of 2015 revenue, which gives the Group very good visibility for the coming year.

2.2.1.5 Risk management

Breakdown of offerings for sale93 at year-end 2015 (€751 million, or 7 months of business, and approximately 2,600 units), depending on the stage of operational completion:

€ millions - < Risk > +
Prepa
ration(a)
Project
not yet
started
(b)
Project in
Progress
(b)
In
stock
(c)
To
tal
Expenses (d) 50 93
The cost price
includes (d)
199 8
Property for sale
(c)
334 142 266 9 751
In % 44% 19% 35% 1%
Residential 321 136 252 8 717
Convenience
stores
13 6 14 1 34
o/w to be deliv
ered
in 2016 77
in 2017
in 2018 or later
143
46

(a) Land not acquired.

(b) Land acquired. (c) Completed residential properties.

(d) Excluding tax.

MANAGEMENT OF PROPERTIES FOR SALE

63% of the properties for sale relate to developments for which construction has not yet begun and for which the amounts committed primarily correspond to studies, advertising costs and land sales fees (or guarantees) paid upon the signature of preliminary land acquisition agreements with possibilities of retraction (mainly unilateral agreements).

35% of the properties for sale are currently being built. Only €77million (out of €266 million) concern units to be completed by the end of 2016.

The stock amount of finished products is insignificant.

This breakdown of the developments by stage of completion reflects the cautious risk management criteria of the Group:

• the will to give priority to signature of unilateral preliminary sale agreements rather than bilateral sale and purchase agreements;

• requiring a high level of pre-marketing at the time the site is acquired, as well as at the start of construction work;

91 Revenues recognized according to the percentage of completion method in accordance with IFRS. Technical completion is measured by the stage of completion, excluding land.

92 Backlog comprises revenues (excluding taxes) from notarized sales remaining to be recorded according the percentage of completion method and reservations for retail and block sales not yet recorded by a notary.

93 Sale offerings comprise available-for-sale units, including tax. The breakdown of offerings does not include Histoire & Patrimoine renovation products (€37 million incl. tax).

• requiring authorization from the Commitments Committee at all stages of the transaction: signature of the purchase agreement, marketing launch, land acquisition and launch of construction;

• withdrawing from or renegotiating transactions having generated inadequate take-up rates.

SUPPLY94

Sales (incl.
tax) (€m)
No.
of units
Operations supplied in 2015 2,914 13,436
o/w entry-level and mid-range 2,138 10,738
% of supply 73% 80%

Promises signed in 2015 represent the equivalent of €2.9 billion in revenue incl. tax, or 13,400 units. They relate to the 73% of entry-level and midrange programs that are specifically adapted to price levels corresponding to buyers' solvency.

PROPERTIES FOR SALE AND FUTURE OFFERING95

(€m incl. taxes) As of
December
31, 2015
No
months
As of
December
31, 2014
Change
Properties for sale 717 6 562
Future offering 5,195 44 4,380
Total Pipeline 5,912 50 4,942 20%
o/w Entry-Level
and Mid-Range
3,770
In no. of units 26,507 20,939 27%
In m² 1,502,947 1,187,241 27%

The residential pipeline (properties for sale + future offering) is up 27% as compared with the end of 2015.

2.2.2 Office property

2.2.2.1 Economic environment and halfyear activity

INVESTMENT IN OFFICE PROPERTY96

Thanks to a strong second half in 2015, the investment market recorded €23 billion in office property commitments, for volume that was slightly higher than in 2014. 2015 was marked by the return of the €100 million to €200 million transactions that historically have been the backbone of the market.

Investors continued to benefit from low cost of debt, generating a flow of financial resources that has primarily benefited "core" assets, leading to a compression in real estate returns for secured products. This tendency forces investors to review their strategies and become open to non-core activities located in Paris.

INVESTMENT IN OFFICE PROPERTY97

Up +1% from the previous year, demand invested totalled 2.2 million m² for 2015.

Business moves remain motivated by optimization of surface area and the search for lower rent. The economic environment and low margins lead users to limit risks and to prefer renegotiating their current leases.

Immediate supply was down 3% to 3.9 million m². The share of new and redeveloped properties in immediate supply continued to decrease, to 18% (as compared with 20% at the end of 2014).

2.2.2.2 Group strategy

Regarding Office property, the Group has developed an original model enabling it to take part in significant operations on the market with limited risks:

• as an investor through the AltaFund investment fund98 for which the Group is the exclusive operator and a main shareholder, with capital share between 17% and 30%99 ,

• as a property developer100 with a particularly strong position on the market for turnkey projects,

• as a service provider for large institutional investors101 .

Overall, the Group is able to operate at each step of the value-creation chain with a diversified revenue mix (margins, fees, capital gains, etc.) and with an optimized capital allocation.

2.2.2.3 Investments

In 2015, the Group's investments increased to €563 million in 11 projects.

94 New transactions in the real estate portfolio.

95 Future offerings comprise secured programs (through a purchase agreement, almost exclusively unilateral), the launch of which has not yet occurred, and expressed including tax. Excluding Histoire & Patrimoine and retail.

96 Source CBRE: Marketview Investment 4Q 2015

97 Source CBRE: Marketview Bureaux 4Q 2015.

98 AltaFund is a discretionary investment fund created in 2011.

99 In March 2015, the group increased its equity from €100 million to €150 million, thus bringing its investment to 30% of new transactions begun by AltaFund since 2015.

100 Off-plan sales or leases and property development contracts. 101 In connection with delegated project management.

Project Surface
area (at
100%)
Equivalent
value,
Group
share
OLLIOULES - Technopole de la Mer
(Off-plan)
5,100 m²
NEUILLY/SEINE - Kosmo (property
development contract)
26,300 m²
MARSEILLE - Euromed Center (prop
erty development contract)
43,600 m²
LYON - SANOFI (Off-plan) 15,100 m²
PARIS - Rue des Archives (property
development contract)
22,700 m²
LYON GERLAND - Ivoire (Off-plan) 7,500 m²
VILLEURBANNE - View One (Off-plan) 14,700 m²
MASSY - Movie Theater (Off-plan) 12,600 m²
PARIS - Austerlitz SEMAPA 14,900 m²
MARSEILLE MICHELET SNC (Off
plan)
16,700 m²
PARIS - Avenue de Matignon (delegat
ed project management)
13,000 m²
TOTAL 192,300 m² 563
€ m
Investment in 2014 105,700 m² 229 €

2.2.2.4 Major Events during the Year

Change +81.9% +146.1%

ACQUISITIONS

• Paris - La Défense - Tours Pascal: In May 2015, AltaFund joined with Goldman Sachs to acquire a 68,940 square meter office building complex for redevelopment.

DISPOSALS

Ollioules - Technopôle de la Mer: the Group entered into a VEFA sale to a group of investors covering the first tranche of this project.

• Lyon - Sanofi: in the heart of the science park of Gerland, the Group is building the future headquarters for Sanofi's animal health and vaccine divisions. The building complex, with 15,100 m² under development, is in construction for delivery in 2017, and was sold by the Group to an investor.

• Lyon - Ivoire: in June, the Group signed a BEFA with the CapGemini group to bring together several CapGemini entities in Lyon. In late July, the Group entered into a VEFA sale of the property to an investor, a transaction that included a real estate development contract with Altarea Cogedim Entreprise. Construction is in progress for delivery in early 2017.

• Villeurbanne - View One: the Group sold this real estate complex developing 14,700 m² of office space and 1,400 m² of retail to an investor pursuant to a VEFA sale. Located in the heart of Greater Lyon, construction is underway for a planned delivery in 2016.

DEVELOPMENTS IN PROGRESS

During the year, the Group obtained clear construction permits for two signature transactions:

  • Kosmo Neuilly sur Seine: 26,300 m²
  • Pont d'Issy Issy-les-Moulineaux: 56,600 m²

PROJECTS BEGUN

In 2015, the Group began construction on 6 projects representing 85,200 m² of office space and a 12,600 m² convention center102 .

DELIVERIES

mil-

At the same time, the Group delivered 5 projects for a total of 69,700 m²103, including the office portion of the Laennec project as well as the Raspail building (first Altafund project, sold to La Française).

WELL-BEING AND DIGITAL MODELING

Centered around the well-being and comfort of future users, the "Well" certification is being deployed at the Pont d'Issy project in Issy-les-Moulineaux, and then progressively at other office projects of the Group. In the same vein, work on biophilia and the preservation of biodiversity is integrated into our new office projects, as witnessed by the Biodivercity certification on the Austerlitz SEMAPA office building in Paris's 13th Arrondissement.

At the same time, to go further in digitalizing the design process, the Group has expanded its use of digital modeling (building information modeling, or BIM) to 100% of its new office programs.

102 Projects begun: Lyon SANOFI, Lyon Ivoire, Villeurbanne View One, Paris Rue des Archives, Marseille Euromed Center (Phases 484), and Massy Movie Theater and Convention Center.

103 Deliveries: Paris Laennec, Paris Raspail, Cœur d'Orly Askia, Marseille Euromed Center (Phase 1) and Montpellier Mutuelle des Motards.

2.2.2.5 Summary of projects underway

Nature of project Surface area
(at 100%)
Equivalent in
value
AltaFund (a) 126,100 m² €641
m
Property Development con
tracts/Off-plan sales/ Off-plan
leases (b)
367,900 m² €1,434
m
Delegated project manage
ment (c)
37,000 m² €121
m
TOTAL 531,000 m² €2,196
m

o/w under construction 146,500 m² €509 m (a) Amount = total cost price of programs at 100%.

(b) Amount = amount of the signed contract (or estimate in the case of off-plan leases).

(c) Amount = capitalized fees.

BACKLOG104 (OFF-PLAN, PROPERTY DE-VELOPMENT CONTRACTS AND DELE-GATED PROJECT MANAGEMENT)

The VEFA/CPI backlog represented €324 million at the end of December 2015, as compared with €133 million for the previous year. The Group also has a MOD fee backlog of €4.1 million.

€ millions 12/31/2015 12/31/2014 Change
Backlog (Off-plan, Property
Development contracts)
€324.0 m €133.0 m x2.4
Backlog of delegated project
management fees
€4.1 m €5.7 m
TOTAL €328.1m €138.7m x2.4

104 Backlog is composed of notarized sales, excl. tax, not yet recorded according to the percent of completion method, excl. tax, not yet notarized (signed property development contracts), and fees to be received from third parties on signed contracts.

BREAKDOWN OF PROGRAMS UNDERWAY AT DECEMBER 31, 2015

Project Description Surface area
(at 100%)
Equivalent in value Status
NEUILLY/SEINE - Kosmo AltaFund 26,300 m² Secured
PARIS - Rue de Richelieu AltaFund 30,900 m² Secured
LA DEFENSE - Tours Pascal AltaFund 68,900 m² Secured
AltaFund (a) 126,100 m² €641
m
OLLIOULES - Technopole de la Mer Off-plan sale
Property Develop
5,100 m² Construction underway
MARSEILLE - Euromed Center (Phases 2, 3, 4 & 5) ment contract 43,600 m² Construction underway
TOULOUSE Blagnac - SAFRAN Off-plan sale 25,200 m² Construction underway
LYON - SANOFI Off-plan sale
Property Develop
15,100 m² Construction underway
PARIS - Rue des Archives ment contract 22,700 m² Construction underway
LYON GERLAND - Ivoire Off-plan sale 7,500 m² Construction underway
VILLEURBANNE - View One Off-plan sale 14,700 m² Construction underway
MASSY - Hotel Place du Grand Ouest Off-plan sale 12,600 m² Construction underway
ISSY-LES-MOULINEAUX - Pont d'Issy Off-plan sale
Property Develop
54,100 m² Secured
PARIS - Austerlitz SEMAPA ment contract 14,900 m² Secured
MARSEILLE - Michelet Off-plan sale 16,700 m² Secured
TOULON - TPM (Retail & hotel) Off-plan sale 2,700 m² Secured
MASSY - Hotel Place du Grand Ouest Off-plan sale 6,000 m² Secured
ANTONY - Croix de Berny (Tranche 2) Off-plan sale 16,600 m² Secured
NANTERRE - Coeur de Quartier Off-plan sale
Property Develop
20,800 m² Secured
CŒUR D'ORLY (Excl. Ilot Askia) ment contract
Property Develop
54,400 m² Secured
NICE MERIDIA - Ilot Robini (Units 1 & 3) ment contract 9,400 m² Secured
TOULOUSE - Montaudran Off-plan sale 19,100 m² Secured
BLAGNAC - Hotel Off-plan sale 6,700 m² Secured
Property Development contracts/Off-plan sales/
Off-plan leases (b)
367,900 m² €1,434
m
PARIS - Champs Elysees Delegated project 24,000 m² Secured
PARIS - Matignon management
Delegated project
13,000 m² Secured
Delegated project management (c) management 37,000 m² €121
m
TOTAL 531,000 m² €2,196
m
(a) Amount = total cost price of the program at 100%.

(b) Amount = amount of the signed contract (or estimate in the case of off-plan leases).

(c) Amount = capitalized fees.

Despite the size of this portfolio, due to the financial planning put in place, the Group's exposure to Office risk represents only €175 million on its consolidated balance sheet, or approximately 3% of the Group's total balance sheet.

2.2.3 Retail development: High-street retail

Retail formats, in particular in the food sector, are evolving, and convenience stores are making a comeback with consumers. Seeking new market share, the large retail groups have decided to position themselves through multiple distribution channels (the multi-format), enlarging the range of points of sale, from hypermarket to convenience store.

In 2014, Altarea Cogedim launched Altarea Proximité to provide the new neighbourhoods developed by the Group with a quality supply of everyday retail and services. The Alta Proximité initiative establishes partnerships with retail and convenience chains in order to industrialize supply, whether in

the area of groceries, restaurants, health, childcare or leisure.

This approach, born of the Group's retail know-how, is quite different from that of other, classical housing developers, as demonstrated by the Group's recent successes in mixed-use projects (see bids won, Section 1.2.3).

The potential for this business represents approximately 20,000 m² of retail space per year and approximately €10 million in recurring operating income in the future.

As of December 31, 2015, the Alta Proximité portfolio is as follows:

No. Surface
area (m²)
Revenue
(€ millions)
Secured Transactions
< 3,000 m²
between 3,000 m² and 7,000 m²
> 7,000 m²
57
50
4
3
90,300
38,000
19,000
33,300
266
102
50
115
Transactions Under Develop
ment
3 10,100 48
< 3,000 m²
between 3,000 m² and 7,000 m²
> 7,000 m²
2
1
-
3,400
6,700
-
37
10
-
Total Portfolio 60 100,300 314

The Group's strategy for these retail complexes is twofold:

• Pure real estate development (Development, Valuation, Resale) for transactions under €50 million.

• Long-term holdings in real estate for exceptional transactions.

3 CONSOLIDATED RESULTS

3.1 RESULTS

3.1.1 Sale of Rue du Commerce: Presentation of the income statement

Rue du Commerce was sold to Carrefour on January 1, 2016, Carrefour having announced last summer that it had signed an agreement to purchase shares from the Group. Pursuant to IFRS 5, "Non-Current Assets Held for Sale and Discontinued Operations", continuing operations are presented separately from discontinued operations. The Rue du Commerce activity, therefore, is aggregated on a single line in the income statement entitled "activity in the process of being sold".

3.1.2 2015 results: 27.8% increase in the published FFO

Group FFO grew strongly to €161.2 million, a +27.8% increase from 2014. Excluding the impact of Rue du Commerce, "real estate" FFO (at comparable scope) was up +10.6%, in particular due to development activities.

On a per-share basis, FFO increased +23.8% (+7.2% at constant scope of consolidation) after the dilutive impact of the stock dividend paid in 2014, which affected the full year in 2015.

12/31/2015 12/31/2014 Restated (*)
€ millions Funds From Opera
tions (FFO)
(FFO)
Changes in
value, estimated
expenses and
transaction costs
TOTAL Funds From
Operations (FFO)
(FFO)
Changes in
value, estimated
expenses and
transaction costs
TOTAL
Shopping centers 195.9 4% 10.7 206.6 188.6 3.6 192.2
Residential 883.1 17% - 883.1 755.3 - 755.3
Offices 128.5 94% - 128.5 66.2 - 66.2
REVENUE 1,207.5 19.5% 10.7 1,218.2 1,010.1 3.6 1,013.7
O/w development 1,011.6 23.1% 1,011.6 821.5 821.5
Shopping centers 155.5 (3.9)% 111.4 266.9 161.7 104.5 266.2
Residential 52.3 28.7% (5.0) 47.4 40.7 (7.0) 33.7
Offices 30.4 70.4% (1.1) 29.4 17.8 1.4 19.3
Others (3.5) n/a (0.7) (4.2) 0.6 (2.8) (2.2)
OPERATING INCOME 234.7 6.3% 104.7 339.4 220.8 96.2 317.0
O/w development 82.7 41.4% (6.0) 76.7 58.5 (5.6) 52.9
Profitability/development revenue 8.2% +1.1pt 7.1%
Cost of net debt (31.9) (4.8)% (5.4) (37.4) (33.6) (5.0) (38.6)
Discounting of debt and receivables - - (0.2) (0.2) - (5.9) (5.9)
Change in value and income from disposal of
financial instruments
- - (40.5) (40.5) - (72.8) (72.8)
Proceeds from the disposal of investments - - (0.1) (0.1) - 0.0 0.0
Corporate income tax (0.9) (27)% (3.9) (4.8) (1.3) 86.3 85.0
NET RESULTS FROM CONTINUING OPERA
TIONS
201.8 8.5% 54.7 256.5 186.0 98.8 284.8
Minority shares in continued operations (40.7) 0.9% (35.2) (75.8) (40.3) (105.4) (145.7)
NET RESULTS FROM CONTINUING OPERA
TIONS, Group share
161.2 10.6% 19.5 180.7 145.7 (6.6) 139.2
FFO FROM CONTINUING OPERATIONS, Group
share, per share
12.95 7.2% 12.09
Net result from activities in the process of being sold - (72.3) (72.3) (19.6) (5.3) (24.8)
NET PROFIT 201.8 21.3% (17.7) 184.2 166.4 93.5 259.9
Non-controlling interests (40.7) 0.9% (35.1) (75.8) (40.3) (105.4) (145.6)
NET PROFIT ATTRIBUTABLE TO GROUP
SHAREHOLDERS
161.2 27.8% (52.8) 108.4 126.1 (11.8) 114.3
FFO (group share) per share 12.95 23.8% 10.46
Average number of shares after dilution 12.442 12.055

35 ALTAREA COGEDIM BUSINESS REVIEW DECEMBER 31, 2015

3.1.3 FFO105 Group share: €161.2 million, +27.8% (+10.6% at constant scope)

FFO represents operating cash flow after interests and Corporate income tax expenses.

By activity, FFO Group share is broken down as follows:

€ millions 2015 2014
Adjusted
(*)
Change
FFO Retail 94.2 100.8 (6.6)%
o/w Commercial Property 113.9 112.0 +1.7%
o/w Services and Development (19.7) (11.2) x1.8
FFO Development 70.5 44.3 +59.1%
o/w Residential 42.2 28.3 +49.4%
o/w Offices 28.3 16.1 +76.3%
FFO Corporate (3.5) 0.6
FFO consolidated Group share 161.2 145.7 +10.6%

FFO RETAIL

This includes, first, FFO Commercial Real Estate, which measures the financial performance of the portfolio, Group share, and second, FFO Services and Development. FFO Services and Development is composed of Altarea Retail costs that are not covered by fees and expenses (Capex) relating to projects underway, restructured or put in service, but that cannot be capitalized in the IFRS accounts (essentially launch expenses, publicity and marketing).

€ millions 2015 2014
Adjusted
(*)
Change
Rental income 195.9 188.65
Net rental income 160.5 156.4 +2.6%
% of rental revenues 81.9% 82.3%
Contribution of EM associates 14.7 16.5
Cost of net debt (26.5) (27.4)
Non-controlling interests (34.9) (33.6)
FFO Commercial Property 113.9 112.0 +1.7%
FFO Services and Development (19.7) (11.2) x1.8
FFO Retail 94.2 100.8 (6.6)%

FFO Commercial Property increased by 1.7% to €113.9 million, due to the increase in net rental income (+2.6). The cost of net debt was slightly down, due to the decrease in the average interest rate, which was 1.94% in 2015, as compared with 2.41% in 2014, and which more than offset the increase in the nominal amount of real estate debt. Minority interests relate to assets held with partners (principally Cap 3000 and the five shopping centers held with Allianz).

FFO Services and Development relates to the creation of potential value for the retail pipeline (approximately €600 million to €800 million, in Group share106).

FFO DEVELOPMENT

2015 was marked by a strong rebound, with both an increase in revenue (+23.5%) and improved profitability, which reached 8.2% of revenue (as compared with 7.2% in 2014).

€ millions 2015 2014
Adjusted
(*)
Change
Housing Revenue 883.3 755.3
Office Revenue 128.5 66.2
Development Revenue 1,011.6 821.5 +23.1%
Operating cash flow Residential 52.3 40.7
Operating cash flow Offices 30.4 17.8
Development cash flow 82.7 58.5 +41.4%
% of revenue 8.2% 7.2%
Cost of net debt (5.5) (6.2)
Non-controlling interests (5.8) (6.7)
Corporate income tax (0.9) (1.3)
FFO Development 70.5 44.3 +59.1%

These excellent results are the result of the success of the Group's entry-level and mid-range residential offerings, and the strong contribution of the turnkey office users. The €10.7 million impact of the AltaFund contribution, related in part to the sale of the Semapa project, should also be noted.

Operating cash flow attributable to minority interests amounted to €5.7 million in 2015, compared to €6.8 million in 2014.

Corporate income tax corresponds to the non-SIIC sector, essentially regrouped under the Altareit tax consolidation. In 2015, the Group was able to offset its taxable income against tax loss carry forwards, limiting the amount of income tax payments to €0.9 million.

105 Funds From Operations, Group and non-Group

FFO CORPORATE

The €2.9 million loss in 2015 relates to the free share grants to be granted during the coming years.

FFO PER SHARE: €12.95 PER SHARE, +23.8% (+7.2% AT CONSTANT SCOPE)

The increase in the average number of shares is due to the stock dividend paid in 2014, which resulted in the creation of 922,692 shares, affecting the full year in 2015 and causing a dilution of the result-per-share indicators.

3.1.4 Changes in value and calculated charges: €-52.8 million

Group share
mil
Change in value - Investment properties (a) lions
118.7
Change in value - Financial instruments (40.5)
Disposal of assets and transaction costs 4.8
Share of equity-method associates (10.7)
Deferred tax (3.9)
Calculated charges (b) (13.7)
TOTAL Continuing activities 54.7
Non-controlling interests (35.1)
Net result from activities in the process of being sold (72.3)
TOTAL Group share (52.8)

(a) Including change in value of assets consolidated using the equity method.

(b) Allowances for depreciation and non-current provisions, stock grants, pension provisions, staggering of debt issuance costs.

Net result from activities in the process of being sold corresponds to the loss recognized on Rue du Commerce in 2015 (operating loss and capital loss).

NET CONSOLIDATED INCOME 2015

Total net consolidated income, Group share, was €108.4 million in 2015, including €161.2 million in FFO and €-52.8 million in changes in value and calculated charges.

3.2 NET ASSET VALUE (NAV)

GROUP NAV 12/31/2015 12/31/2014 published
€ millions Change In €/share (c) Change
/share
€ millions In €/share (c)
Consolidated equity, Group share 1,230.3 98.3 1,249.5 99.9
Other unrealized capital gains 381.4 276.8
Restatement of financial instruments 20.8 87.8
Deferred tax on the balance sheet for non-SIIC assets (international
assets)
20.1 22.4
EPRA NAV 1,652.5 +1.0% 132.1 +1.0% 1,636.5 130.8
Market value of financial instruments (20.8) (87.8)
Fixed-rate market value of debt (19.4) (13.1)
Effective tax for unrealized capital gains on non-SIIC assets (a) (18.2) (17.6)
Optimization of transfer taxes (a) 66.4 55.6
Partners' share (b) (15.8) (14.9)
EPRA NNNAV (NAV liquidation) 1,644.7 +5.5% 131.4 +5.5% 1,558.6 124.6
Estimated transfer taxes and selling fees 74.5 65.9
Partners' share (b) (0.7) (0.6)
Diluted Going-Concern NAV 1,718.5 +5.8% 137.3 +5.8% 1,623.9 129.8
(a) Varies according to the type of disposal, i.e. sale of asset or sale of

securities

(b) Maximum dilution of 120,000 shares (c) Number of diluted shares: 12,513,433 12,512,638

3.2.1 Change in Going Concern NAV

NAV created value from real estate activities of €292.5 million (+18% per share), generated both by the strong results of operations for 2015 and the increase in the value of the Group's assets. Taking into account the dividend paid, and despite the loss on sold activities (Rue du Commerce), NAV increased by 5.8% to €137.3 per share.

Diluted Going-Concern NAV € mil €/share
At December 31, 2014 lions
1,623.9
129.8
FFO 2015 161.2 13.0
Change in value of assets
(Net of minority interests)
83.6 6.7
Change in value -
Financial instruments
(40.5) (3.3)
Others (a) (23.6) (1.9)
Other changes in value (b) 112.0 9.0
Creation of real estate value 292.7 23.5 +18.1%
2014 dividend (125.7) (10.0)
Discontinued activities
(Rue du Commerce) (72.3) (5.8)
As of December 31, 2015 1,718.5 137.3 +5.8%

(a) o/w deferred taxes, calculated charges, transaction costs

(b) Concerns primarily the value of the development division (Cogedim, AltaFund) and the Semmaris.

3.2.2 Calculation basis

OTHER UNREALIZED CAPITAL GAINS OR LOSSES

These arise from updated estimates of the value of the following assets:

  • two hotel business franchises (Hotel Wagram and Résidence Hôtelière de l'Aubette);
  • the rental management and retail Property Development division (Altarea France);
  • the Group's interest in the Rungis Market (Semmaris);
  • the Property Development division (Cogedim);

• the office Property Investment division (Alta-Fund).

These assets are appraised at the end of each financial year by external experts (JLL and Cushman & Wakefield for the hotel business franchises and Accuracy for Altarea France, SEMMARIS, Cogedim and AltaFund). The methods used by JLL, C&W and Accuracy use the discounted cash flow method (DCF) in conjunction with a terminal value based on normalized cash flow. JLL and C&W provide a single appraisal value, while Accu-

racy provides a range of values calculated using different scenarios. In addition to its DCF valuation, Accuracy also provides a valuation based on listed peer group comparables.

The increase was caused in particular by development activities (both residential and office), which experienced a strong recovery in 2015 and for which the prospects are improved by continuing low interest rates.

TAX

Most of Altarea's Property Portfolio is not subject to capital gains tax under the SIIC regime. The exceptions are a limited number of assets which are not SIIC-eligible due to their ownership method, and assets owned outside France. For these assets, capital gains tax on disposals is deducted directly from the consolidated financial statements at the standard tax rate in the host country, based on the difference between the market value and tax value of the property assets.

Altarea Cogedim took into account the ownership methods of non- SIIC assets to determine going concern NAV after tax, since the tax reflects the tax that would effectively be paid if the shares of the company were sold or if the assets were sold building by building.

TRANSFER TAXES

Investment properties have been recognized in the IFRS consolidated financial statements at appraisal value excluding transfer taxes. To calculate going-concern NAV, however, transfer duties were added back in the same amount.

In Altarea Cogedim's EPRA NNNAV (liquidation NAV), duties are deducted either on the basis of transfer of securities or building by building.

PARTNERS' SHARE

The partners' share represents the maximum dilution provided for under the Group Articles of Association in the case of liquidation by a partner (where the General Partner would be granted 120,000 shares).

4 FINANCIAL RESOURCES

4.1 FINANCIAL POSITION

CONSOLIDATED NET DEBT: €2.4 BILLION

Altarea Cogedim's net financial debt stood at €2,442 million at December 31, 2015 compared to €1,772 million at December 31, 2014 (+€670 million).

The increase in net financial debt is due primarily to the acquisition of 100% control of Qwartz for €275 million107 and to the extension work on Cap 3000 for €189 million. The increase in working capital requirements in development also contributed €92 million, in line with that division's strong growth.

€ millions Dec. 2015 Dec. 2014
Corporate and bank debt 602 458
Credit markets (a) 545 537
Mortgage debt 1,313 901
Property Development debt 248 234
Total gross debt 2,708 2,130
Cash and cash equivalents (266) (358)
Total net debt 2,442 1,772
(a) of which €60.5 million in treasury bills.

The average term of the Group's debt (excluding development and treasury bills) was 6.0 years108 , as compared with 3.7 years as of December 31, 2014.

€2.2 BILLION IN LONG-TERM FINANCING OBTAINED

In 2015, the Group took advantage of exceptionally favourable market conditions to refinance a large proportion of its balance sheet, with close to 2.2 in financing obtained.

Nominal
amount (€
millions)
New
money
Refinan
cing
TOTAL Average
duration
Mortgage financ
ing
468 1,034 1,502 8.5
Corporate fi
nancing
209 456 665 5.2
Total (at 100%) 677 1,490 2,167 7.5
Group share 1,975

107 €200 million in acquisition price for 50%, to which is added €75 million in debt acquisition on the share previously held that was consolidated by the equity method.

• Most of the new financing is in the form of longterm mortgages (21 assets financed or refinanced, including Cap 3000 for €400 million).

• The average term of the new financing over the period is 7.5 years, for an average spread of 129 basis points.

AVAILABLE CASH: €516 MILLION

As of the date hereof, available cash is composed of the following:

• €332 million in resources at the corporate level (cash and confirmed authorizations, excluding treasury bills), which is sufficient to cover corporate debt payments in 2016 and 2017.

• and €184 million in confirmed, unused credit authorizations attached to specific projects.

Mortgage maturities in 2016 concern three assets, for two of which the Group already has term sheets in the course of negotiation.

Mortgage maturities in 2021 correspond to Cap 300, the restructuring of which will have been completed the previous year.

108 Including firm commitments received and financing signed at the beginning of 2016.

109 Excluding development debt and treasury bills, and including finalized financing agreements and financing agreements for which the group has received firm commitments as of the beginning of 2016, in millions of euros.

4.2 FINANCING STRATEGY

HEDGING: NOMINAL AMOUNT AND AV-ERAGE RATE

The Altarea Cogedim Group enters into fixed-rate hedges for 70% to 90% of the nominal amount of its debt, with the remainder exposed to threemonth Euribor.

Hedging instruments are entered into at a global level, and for the most part are not tied to specific financing agreements. They are recorded at fair value in the consolidated financial statements.

Given the restructuring of its swap portfolio during the first quarter of 2016, the average hedge length has significantly increased, and the average hedged interest rate is now between 0.46% and 1.32%, between 2016 and 2025, giving the Group excellent visibility as to its average hedged cost.

Maturity Swap
(€ millions)
(a)
Fixed-rate
debt (in €
million) (a)
Total
(€ millions)
(a)
Average
swap rate
(b)
Dec. 15 890 767 1,658 0.46%
Dec. 16 937 765 1,703 0.48%
Dec. 17 1,462 563 2,025 0.97%
Dec. 18 1,723 561 2,284 1.32%
Dec. 19 1,631 409 2,040 1.10%
Dec. 20 1,830 407 2,237 1.10%
Dec. 21 1,721 175 1,896 1.12%
Dec. 22 1,694 173 1,868 1.12%
Dec. 23 1,693 171 1,864 1.12%
Dec. 24 1,592 169 1,761 1.12%

(a) In share of consolidation

(b) Average rate of swaps // Average swap rate of the fixed rate debt (excluding spread, at the fixing date of each transaction).

In addition, the Group holds options of shorter durations, the details of which are provided below.

Maturity Cap (a) Average swap rate
Dec. 15 155 2.83%
Dec. 16 99 2.62%
Dec. 17 25 1.50%
Dec. 18 25 1.50%
Dec. 19 25 1.50%
Dec. 20 25 1.50%

(a) In share of consolidation

COST OF DEBT (1.94% IN 2015)

The combination of hedging entered into during favorable market windows and the significant use of mortgage financing explains why the Group's average cost of debt is among the lowest of European real estate companies, while maintaining long durations. Altarea Cogedim expects to remain structurally under 2.50% of average cost in the coming years due to the highly secured nature of its liabilities.

FINANCIAL COVENANTS

Covenant Dec. 2015 Dec. 2014 Delta
LTV (o) ≤ 60% 44.5% 37.7% +6.8 points
ICR(b) ≥ 2.0 x 7.3 x 5.9 x +1.4 x

(a) LTV (Loan To Value) = Net debt/Restated value of assets including transfer taxes. (b) IRC = Operating result / Net cost of debt

("Funds from operations" column).

On December 31, 2015, the Group was in compliance with all covenants.

Consolidated Income Statement by segment as of 12/31/2015

12/31/2015 12/31/2014 Restated (*)
€ millions Funds From
Operations
(FFO)
Changes in
value, esti
mated ex
penses and
transaction
costs
Total Funds
From
Operations
(FFO)
Changes in
value, esti
mated ex
penses and
transaction
costs
Total
Rental income 174.6 - 174.6 169.5 - 169.5
Other expenses (14.1) - (14.1) (13.1) - (13.1)
Net rental income 160.5 - 160.5 156.4 - 156.4
External services 21.3 - 21.3 19.2 - 19.2
Own work capitalized and production held in inventory 17.6 - 17.6 19.7 - 19.7
Operating expenses (58.6) (0.8) (59.4) (50.1) (2.1) (52.2)
Net overhead expenses
Share of equity-method affiliates
(19.7)
14.7
(0.8)
(11.0)
(20.5)
3.7
(11.2)
16.5
(2.1)
19.9
(13.3)
36.5
Net allowances for depreciation and impairment - (2.4) (2.4) - (0.1) (0.1)
Income/loss on sale of assets - 9.8 9.8 - 1.9 1.9
Income / (loss) in the value of investment property - 118.7 118.7 - 85.2 85.2
Transaction costs - (3.0) (3.0) - (0.3) (0.3)
NET RETAIL PROPERTY INCOME (B&M FORMATS) 155.5 111.4 266.9 161.7 104.5 266.2
Revenue 883.3 - 883.3 754.5 - 754.5
Cost of sales and other expenses (812.2) - (812.2) (699.7) - (699.7)
Net property income 71.1 - 71.1 54.8 - 54.8
External services (0.2) - (0.2) 0.7 - 0.7
Production held in inventory 68.9 - 68.9 58.7 - 58.7
Operating expenses
Net overhead expenses
(93.4)
(24.6)
(1.3)
(1.3)
(94.7)
(25.9)
(80.6)
(21.1)
(1.4)
(1.4)
(82.0)
(22.5)
Share of equity-method affiliates 5.9 0.3 6.2 6.9 (2.2) 4.7
Net allowances for depreciation and impairment - (2.6) (2.6) - (2.9) (2.9)
Transaction costs - (1.5) (1.5) - (0.4) (0.4)
NET RESIDENTIAL PROPERTY INCOME 52.3 (5.0) 47.4 40.7 (7.0) 33.7
Revenue 121.1 - 121.1 59.0 - 59.0
Cost of sales and other expenses (102.8) - (102.8) (52.7) - (52.7)
Net property income 18.2 - 18.2 6.2 - 6.2
External services 7.4 - 7.4 7.3 - 7.3
Production held in inventory 12.8 - 12.8 12.4 - 12.4
Operating expenses (16.4) (0.5) (16.9) (15.1) (0.6) (15.8)
Net overhead expenses 3.8 (0.5) 3.4 4.5 (0.6) 3.9
Share of equity-method affiliates
Net allowances for depreciation and impairment
8.3
-
(0.1)
(0.0)
8.3
(0.0)
7.1
-
2.3
(0.3)
9.5
(0.3)
Transaction costs - (0.5) (0.5) - - -
NET OFFICE PROPERTY INCOME 30.4 (1.1) 29.4 17.8 1.4 19.3
Other (Corporate) (3.5) (0.7) (4.2) 0.6 (2.8) (2.1)
OPERATING INCOME 234.7 104.7 339.4 220.8 96.2 317.0
Cost of net debt (31.9) (5.4) (37.4) (33.6) (5.0) (38.6)
Discounting of debt and receivables - (0.2) (0.2) - (5.9) (5.9)
Change in value and income from disposal of financial
instruments
- (40.5) (40.5) - (72.8) (72.8)
Proceeds from the disposal of investments - (0.1) (0.1) - 0.0 0.0
PROFIT BEFORE TAX 202.8 58.6 261.3 187.3 12.5 199.8
Corporate income tax (0.9) (3.9) (4.8) (1.3) 86.3 85.0
NET RESULTS FROM CONTINUING OPERATIONS 201.8 54.7 256.5 186.0 98.8 284.8
Minority shares in continued operations (40.7) (35.2) (75.8) (40.3) (105.4) (145.7)
NET RESULTS FROM CONTINUING OPERATIONS, Group
share
161.2 19.5 180.7 145.7 (6.6) 139.1
Average number of shares after dilution 12,442,315 12,054,997
NET INCOME PER SHARE FROM CONTINUING OPERA
TIONS, Group share
12.95 1.57 14.52 12.09 (0.55) 11.54
NET INCOME FROM ACTIVITIES IN THE PROCESS OF
BEING SOLD (1)
- (72.3) (72.3) (19.6) (5.3) (24.8)
NET PROFIT 201.8 (17.7) 184.2 166.4 93.5 259.9
Non-controlling interests (40.7) (35.1) (75.8) (40.3) (105.4) (145.6)
NET PROFIT, attributable to Group shareholders 161.2 (52.8) 108.4 126.1 (11.8) 114.3
EARNINGS PER SHARE ATTRIBUTABLE TO GROUP
SHAREHOLDERS (€)
13 10

(*) Adjusted for the impact of the application of the IFRIC Interpretation 21 – Levies.

Balance sheet at December 31, 2015

€ millions 12/31/2015 12/31/2014
Restated (*)
NON-CURRENT ASSETS 4,498.0 3,940.5
Intangible assets 202.1 244.7
o/w Goodwill 128.7 128.7
o/w Brands 66.6 96.8
o/w Other intangible assets 6.7 19.2
Property, plant and equipment 6.2 10.6
Investment properties 3,759.6 3,163.6
o/w Investment properties in operation at fair value 3 453.6 2,974.4
o/w Investment properties under development and under construction at cost 306.0 189.2
Securities and investments in equity affiliates and non-consolidated interests 361.0 362.0
Loans and receivables (non-current) 42.9 43.3
Deferred tax assets 126.2 116.4
CURRENT ASSETS 1,634.9 1,406.4
Net inventories and work in progress 711.5 617.9
Trade and other receivables 475.0 392.5
Income tax credit 6.0 6.3
Loans and receivables (current) 29.2 15.2
Derivative financial instruments 20.0 15.9
Cash and cash equivalents 266.0 358.0
Non-current assets held for sale 127.2 0.7
TOTAL ASSETS 6,132.9 5,347.0
EQUITY 2,250.9 2,169.9
Equity attributable to Altarea SCA shareholders 1,230.3 1,250.1
Share capital 191,2 191,2
Other paid-in capital 396,6 518,7
Reserves 534.0 425.9
Income associated with Altarea SCA shareholders 108.4 114.3
Equity attributable to non-controlling interests of subsidiaries 1,020.6 919.8
Reserves associated with non-controlling interests of subsidiaries 749.8 579.1
Other equity components, subordinated perpetual Notes 195.1 195.1
Income associated with non-controlling interests of subsidiaries 75.8 145.6
NON-CURRENT LIABILITIES 2,416.2 1,850.0
Non-current borrowings and financial liabilities 2,366.4 1,795.1
o/w Participating loans and advances from associates 63.6 50.8
o/w Bond issuances 477.8 477.2
o/w Borrowings from lending establishments 1,825.0 1,267.1
Long-term provisions 17.4 21.3
Deposits and security interests received 29.8 26.2
Deferred tax liability 2.5 7.4
CURRENT LIABILITIES 1,465.8 1,327.0
Current borrowings and financial debt (less than one year) 450.6 448.3
o/w Bond issuances 4.4 4.3
o/w Borrowings from credit institutions (excluding overdrafts) 335.1 326.5
o/w Treasury notes 60.5 53.0
o/w Bank overdrafts 4.9 2.1
o/w Group shareholders and partners 45.8 62.3
Derivative financial instruments 37.3 102.7
Accounts payable and other operating liabilities 837.7 757.4
Tax due 9.5 18.7
Liabilities of the activity in the process of being sold and liabilities relating to assets intended for sale 130.7
TOTAL EQUITY AND LIABILITIES 6,132.9 5,347.0

(*) Adjusted for the impact of the application of the IFRIC Interpretation 21 – Levies.

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