BPCE - 2018 Registration document

NON-FINANCIAL PERFORMANCE REPORT A range of services to meet the challenges facing our customers

Kocoriko When Banque Populaire Auvergne Rhône Alpes created this platform in 2015, it wanted to reaffirm its strong regional connection by offering a financing tool for alternative projects. In the spirit of sharing and community, Kocoriko embraces initiatives generating a regional, economic, cultural, innovative or solidarity-based impact. General-interest projects published on the platform receive support from the Banque Populaire Auvergne Rhône Alpes endowment fund, which doubles the amount of donations collected within the limit of € 1,500 per project. Through this original initiative, the bank proudly displays its cooperative and regional values while making use of an innovative digital communication tool. In three years, Kocoriko has helped nearly 300 projects and raised € 750,000 in donations from 23,000 donors.

In 2018, the Espace ASSO range of digital services was launched to round out this offer. This solution, developed by the fintech E-Cotiz, allows non-profits to digitalize their membership registrations, donations, and any sales or ticketing inflows. As well as making their cash collection process more secure, Espace ASSO facilitates their day-to-day management, enables them to optimize their cash management, save time, and simplifies their relationship with their members. With this range of services, the Caisse d’Epargne network is helping its customers from the social and solidarity-based economy with the digital transition. In November 2018, 350 non-profits presenting 520 projects were listed on Espace Dons. Nearly 160 non-profits are currently establishing Espace ASSO contracts. https://www.espaceasso.caisse-epargne.fr/ https://www.espacedons.com/

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2.3.2

Financing for the energy, ecological and social transition: offers

tailored to our customers’ needs

strong integration in the local economic fabric, including a large - number of VSEs, SMEs and ISEs, a high level of technological and investment demand, - considerable development prospects, often exceeding those of - traditional sectors. Work was carried out in 2018 to set priorities among the different segments. Traditional segments in the energy and ecological transition were compared with the ambitions and goals of the different markets on which the Banque Populaire banks and the Caisses d’Epargne operate (individual customers, professional customers, businesses, etc.) to identify areas of convergence and the corresponding economic and environmental challenges. This analysis led to the choice of four main segments and three transverse segments on which the Group will focus its efforts. An action plan is being prepared for each of these priority segments and each customer market.

BPCE conducted a study to identify the segments of green growth market and quantify their potential. This study gave the bank a better understanding of the expectations of players in these segments and their growth models, thus allowing it to build the most appropriate solutions. The Group found that: all sectors of the conventional economy have entered a continuous ● improvement cycle in a bid to adapt to the constraints and opportunities of green, responsible growth, which also has the potential to usher in major innovations; green growth segments have been developing for over 20 years, ● and their development has kicked into higher gear in recent years. These segments share: a high percentage of non-relocatable jobs, -

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Registration document 2018