BPCE - 2018 Registration document

2 NON-FINANCIAL PERFORMANCE REPORT

A range of services to meet the challenges facing our customers

A range of services to meet the challenges 2.3 facing our customers

Groupe BPCE is working to adopt a global approach in conjunction with its business lines, aimed at turning them into differentiation and performance drivers. The Group is best at meeting its CSR priorities when conducting its banking and insurance activities. In accordance with its strategy, it has set goals to: increase the distribution of its solidarity-based savings and ● investment offer to its customers; meet the financing needs of customers with projects generating ● significantly positive environmental or social impacts;

manage the risks and opportunities associated with the energy, ● climate and ecological transitions. Building on the work done in 2017, the Group set an ambitious and structure-building target for each of these goals: over the 2018-2020 period, increasing responsible deposits and savings by 50%, topping € 10 billion in outstanding loans for green growth, and issuing two green and social bonds for proprietary purposes each year. The Group focused on prioritizing these goals in 2018 and launched several initiatives to work towards achieving them.

2.3.1

Steering deposits and savings towards a more responsible

economy

The range of responsible products was overhauled and promoted to make it easier for customers to identify the right solutions for their objectives, risk appetite and the value they place on societal impacts. Training and communication initiatives will be carried out to complete this strategy. Groupe BPCE already offers a broad range of products designed to steer deposits and savings towards a more responsible economy. BANK DEPOSITS AND SAVINGS INVESTED IN THE REGIONS The Banque Populaire banks and the Caisses d’Epargne take local deposits and channel them into local projects. Funding allocation decisions are based on local needs and each institution’s in-depth knowledge of the region, including its potential and areas for improvement. Passbook savings account deposits and regular deposits are used to fund regional development, funneling money right back into the community. Mindful of the growing importance customers place on transparency and traceability, Groupe BPCE is working to better identify the impacts of these deposits and savings. According to the Finansol 2018 survey, Groupe BPCE is the leader in solidarity-based savings in France, ranking No. 1 in terms of inflows and management. Each year, this survey identifies and certifies all savings vehicles that finance projects with a major social, solidarity or environmental impact. At December 31, 2017, Groupe BPCE managed nearly 37.9% of total solidarity-based savings ( € 4.38 billion out of € 11.5 billion). Through its different business lines, it draws on complementary areas of expertise that qualify it to operate along each link of the chain: collection of deposits and savings (Banque Populaire banks, Caisses d’Epargne, Crédit Coopératif, Natixis Interépargne), asset management (Mirova, Ecofi Investissements), funding of social support networks and project sponsors such as Adie, Initiative France and France Active. GROUPE BPCE: THE LEADER IN SOLIDARITY-BASED SAVINGS

BPCE hosts a conference during FINANSOL Week 2018

On November 8, 2018, BPCE hosted a conference during Finansol’s annual solidarity-based finance week to show its employees and partners the diversity of business models in the social and solidarity-based economy. In testimonials by three company directors on “How our solidarity-based companies bring regional cohesion to life”, participants got a glimpse of the real local impact these companies have in three sectors: sports and leisure, fair trade, and digital data sharing. Groupe BPCE’s contribution to solidarity-based savings CODEVair is an example of a Finansol-certified product distributed by the Banque Populaire banks, aimed at encouraging customers to put their savings into the energy transition. Launched in 1999 by Banque Populaire d’Alsace, CODEVair is distributed by nine institutions, including Crédit Coopératif. Total deposits of € 1.43 billion are used to finance energy-efficient homes and cars with little or no greenhouse gas emissions, among other projects. As of December 31, 2018, 13,000 projects had been financed, totaling € 321 million. Since 2004, the Caisses d’Epargne have also developed a regional passbook savings account highlighting the local use of deposited funds and the impact of funded projects: the Compte sur Livret Régional (CSLR), distributed by 14 institutions. Each Caisse d’Epargne decides whether to use the funds to finance digital development, healthcare or employment. CSLR holders (68,715 customers, € 1.02 billion) are able to obtain information on the actual implementation of local projects financed with their deposits. Crédit Coopératif has been the leader in solidarity-based products in France for nearly twenty years. It developed the AGIR range, which includes a charity debit card and six passbook savings accounts. Through AGIR passbooks, Crédit Coopératif customers can show their solidarity with an association of their choice by sharing some or all of the interest accrued on their account. The flagship product is the Livret AGIR, which donates 50% of the accrued interest to one of the 25 beneficiary associations approved by the bank. In 2018, over € 2.6 million in donations were made via Crédit Coopératif

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Registration document 2018