BPCE - 2018 Registration document

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

COOPERATIVE INDICATORS: COOPERATIVE SHAREHOLDER BASE ➡

2

Change 2017-2018

At 12/31/2018

Banque Populaire banks

At 12/31/2017

At 12/31/2016

Number of cooperative shareholders (in millions)

4.44

4.30 33%

4.14 34%

3% 0% 3%

Percentage of cooperative shareholder customers (as a %)

33% (1) 2,235

Average amount of shares held per cooperative shareholder (in euros) (2) Customer satisfaction rate (percentage of very satisfied customers – percentage of dissatisfied customers) (3)

2,167

2,087

18

13.6

N/A

+4 points

Figure calculated based on "total number of cooperative shareholders” divided by "total number of customers” (excluding BRED, Crédit Coopératif and CASDEN). (1) Figure calculated based on "total number of customers” and “share capital excluding cooperative investment certificates and cooperative shares held by the carrying SAS”. (2) Data from the BP & CE individual customer satisfaction surveys coordinated by the Group Customer Research division (excluding Crédit Coopératif and CASDEN). (3)

COOPERATIVE INDICATORS: GOVERNANCE AND DIRECTOR TRAINING ➡

Change 2017-2018

2018

Banque Populaire banks

2017

2016

Governance bodies Number of members of Boards of Directors

225

242

250

(7%)

Director attendance rate at Board of Directors meetings (as a %) Percentage of Board members who are women (as a %) Percentage of Board Chairmen and Vice-Chairmen who are women (as a %) Director training Boards of Directors: percentage of members who took at least one training course over the year (as a %) Boards of Directors: average number of training hours per person (1) The Banque Populaire banks shine the spotlight on their difference as a cooperative banking structure The Université des Administrateurs Banque Populaire (Banque Populaire Directors’ Conference) is a flagship event in terms of cooperative relations, bringing together all the network’s directors and senior managers every two years. In 2018, the conference focused on the governance strengths of cooperative banks and on how a cooperative approach can be a major advantage in today’s changing world. In 2018, the Banque Populaire banks organized the Faites de la Coopération event for the second year running. This week-long event was created as a way to raise awareness and promote discussions centered on the Banque Populaire cooperative banking model, taking place during Social and Solidarity-Based Economy month in November. A number of initiatives were organized both locally by the Banque Populaire banks and nationally by the FNBP, including the launch of the idea-sharing platform, “Le Wok, Lab Coopératif Banque Populaire”, which focused its first campaign on the cooperative banking model, a round table discussion on “Cooperatives and performance” in partnership with the “Management and Governance of Financial Cooperatives” research chair at IAE Paris, and a discussion workshop for directors and researchers at the Burgundy School of Business. The Fondation Banque Populaire was also heavily involved in the 2018 “Faites de la Coopération” event. Since 2011, the Banque Populaire banks have used a specialized tool to keep their cooperative shareholders abreast of their initiatives in the areas of societal and cooperative responsibility. Inspired by the ISO 26000 CSR standard, the CSR & Cooperative Dividend identifies and measures the value in euros of the initiatives taken by each bank for the Banque Populaire network’s main stakeholders: its 2018 data including Audit Committee training courses. (1)

83% 44%

83% 42%

82% 34%

-

5%

19%

15.5%

11%

22.5%

83% 11.6

58%

39% 3.85

43%

5.6

107%

cooperative shareholders and directors, employees, customers and civil society. Its aim is to measure the “cooperative edge” offered by the Banque Populaire banks. These data are included in Groupe BPCE’s open data system. CAISSES D’EPARGNE At the end of 2018, the Caisses d’Epargne had 4.63 million cooperative shareholders, the majority of them individual customers. Cooperative shareholders are represented by 226 Local Savings Companies (LSCs), which form an intermediate layer that helps strengthen each bank’s local roots and relationships, and provide the shareholders with a forum to express their views. In 2018, the Caisses d’Epargne continued their efforts to get their cooperative shareholders more involved in the life of their bank. The cooperative shareholders are key stakeholders in the Caisses d’Epargne, which provide them with dedicated information and communication channels including in-branch information points, a dedicated website (www.societaires.caisse-epargne.fr), newsletters and conferences hosted by Caisse d’Epargne experts. These various channels provide cooperative shareholders with regular updates on what’s happening at their Caisse d’Epargne, as well as and regional and national news in general. Some Caisses d’Epargne consult their cooperative shareholders and organize shareholder events such as exclusive meetings. The 15 Caisses d’Epargne also have a Cooperative Shareholders Club offering membership perks. The Caisses d’Epargne also provide support to the cooperative shareholder representatives, LSC directors and Steering and Supervisory Board members. Training is a top priority to ensure that cooperative shareholder representatives fulfill the duties of their

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Registration document 2018