BPCE - 2018 Registration document

NON-FINANCIAL PERFORMANCE REPORT Sustainable development built on our cooperative identity

COOPERATIVE and DECENTRALIZED

No. 2 FRENCH BANKING GROUP

FULL-SERVICE BANKING

2

Each bank is wholly-owned by its cooperative shareholders

14 Banque Populaire banks 15 Caisses d’Epargne

Retail Banking and Insurance Asset & Wealth Management Corporate & Investment Banking

Our model

cooperative shareholders 9 million

30 million

105,000

employees, o/w 90% in France

customers

Human resources

HIGH LONG-TERM RATING

Customers OUR STRENGTHS OUR IMPACTS Local regions in loan outstandings € 672 bn

CET1 ratio € 77 bn

€ 27.5 bn

MLT market funding in 2018

FitchRatings A+ R&I A Moody’s A1 Standard&Poor’s A+

Financial resources

Our ambitions

Seizing opportunities from the technological revolution DIGITAL TRANSFORMATION

COMMITMENTS

GROWTH

To our customers, employees and cooperative shareholders

Ambitious targets for all our business lines

Our activity

OUR AMBITIONS

in deposits and savings € 705 bn

in assets under management € 802 bn

in life insurance assets under management by Natixis € 60 bn

change in NPS (in pbs) BP+9 and CE+8

26.3 %

No. 2

€ 8.7 bn

€ 72 bn

bank for individual customers

market share in home loans

in energy transition loan outstandings

in responsible deposits and savings

>20 %

creditor of the social economy No. 1

bank for SMEs No. 1

38 countries

of the French economy funded by Groupe BPCE

Natixis international presence

65 %

5,623

96 %

42.9 %

of employees are motivated

new hires with permanent contracts

of employees have received professional training

of our managers are women

Employees

39

Registration document 2018