BPCE - 2018 Registration document

2 NON-FINANCIAL PERFORMANCE REPORT

SUSTAINABLE DEVELOPMENT BUILT ON 2.1 OUR COOPERATIVE IDENTITY

SUSTAINABLE AND RESPONSIBLE VALUE 2.4 CREATION

35

81

2.1.1

A business model that creates lasting value

2.4.1

Contribution to regional economic

and has confirmed its solidity A strong cooperative identity

35 40

development

81 84

2.1.2

2.4.2 2.4.3

Active sponsorship in the French regions Respecting business ethics in all Group

business lines

86

A CSR STRATEGY AIMED AT 2.2

INCORPORATING SUSTAINABLE DEVELOPMENT IN OUR BUSINESS LINES AND DECISION-MAKING PROCESSES

RESPONSIBLE INTERNAL PRACTICES 2.5

97

44

2.5.1

Employees: helping to build and develop the

2.2.1

Identifying our priorities: analysis of ESG risks and opportunities to build a relevant, ambitious CSR strategy

Group

97

44 45 45 54

2.5.2

Reducing our direct environmental footprint

112

2.2.2 2.2.3 2.2.4

Our key performance indicators

Our commitments

CSR REPORTING METHODOLOGY 2.6

118

Constant dialog with our stakeholders

2.6.1 2.6.2

CSR reporting structure Reporting scope for 2018

118 121

A RANGE OF SERVICES TO MEET THE 2.3 CHALLENGES FACING OUR CUSTOMERS 56 Steering deposits and savings towards a more 2.3.1 responsible economy 56 Financing for the energy, ecological and social 2.3.2 transition: offers tailored to our customers’ needs 63 Helping customers address climate risk and 2.3.3 gear up for the energy transition 73

REPORT BY ONE OF THE STATUTORY 2.7 AUDITORS, APPOINTED AS INDEPENDENT THIRD-PARTY, ON THE CONSOLIDATED NON-FINANCIAL STATEMENT PUBLISHED IN THE GROUP MANAGEMENT REPORT

122

33

Registration document 2018