BPCE - 2018 Registration document

2 NON-FINANCIAL PERFORMANCE REPORT

A range of services to meet the challenges facing our customers

GREEN GROWTH SEGMENTS

MATURE ACTIVITIES WITH POTENTIAL

Energy efficiency in buildings

Renewable energy

Sustainable farming

Low carbon mobility

CROSS-SECTOR ACTIVITIES

Energy management, storage and transport

Blue growth

Recycling and reuse

Green mobility for Groupe BPCE customers The Groupe BPCE networks have created special products to encourage their customers to adopt mobility solutions generating little to no carbon emissions. Banque Populaire’s AUTOVair loan and Caisse d’Epargne’s Ecureuil Auto DD loan can be used to buy hybrid and electric vehicles, including electric bicycles, at preferential rates. As of December 31, 2018, 17,925 vehicles had been financed, totaling € 127 million. Guiding craftsmen and SMEs on the path to sustainable development: a question of competitiveness In its loyal commitment to the SME and craftsmen market, Banque Populaire offers a special financing tool to aid them in their ecological transformation. This facility is used to improve the energy efficiency of buildings, manufacturing equipment (engines, etc.) or, for example, to optimize cold storage facilities. Beneficiaries can also address waste management problems, polluting discharges, or adopt renewable energy solutions. At December 31, 2018, 1,131 such projects had been implemented for a total of € 142 million. Banque Populaire Grand Ouest’s CSR strategy for SMEs Banque Populaire Grand Ouest has factored CSR aspects into its strategy for many years. CSR is an integral part of its new 2018-2020 business plan, Let’s GO. For example, the bank has integrated CSR in its relationships with small businesses and since 2016 it has decided to issue preferential rate loans to customers seeking to adopt a sustainable development approach.

Groupe BPCE has a long-standing presence in financing green growth and it already offers several green growth solutions.

HELPING HOUSEHOLDS AND SMES TRANSFORM THEIR WAY OF LIFE A comprehensive offer for thermal home renovation

Since its creation in 2009, Groupe BPCE has been a major player in France for the distribution of “Eco PTZ” interest-free eco loans, with a market share of 23.5%, a shade above its natural weight. At December 31, 2018, 67,448 Eco PTZ loans totaling € 552 million made it possible for our customers to perform energy efficiency renovations in their homes. As an active contributor to the SGFGAS (Société de Gestion des Financements et de la Garantie de l’Accession Sociale à la Propriété) Eco PTZ Committee, Groupe BPCE put forward multiple proposals to improve product distribution and efficiency. In particular, the Group is the only bank to distribute the Eco PTZ loan for commonhold properties, via Crédit Foncier. Preceding the Eco PTZ loan was the sustainable development passbook savings account launched in 2006, which obligated banks to allocate 10% of the deposits collected to thermal home renovation projects, within the meaning of the “CITE” (energy transition tax credit) list. In that instance as well, Group BPCE was ahead of the curve with the PREVair loans launched by the Banque Populaire banks in 1989, which met similar objectives. The Groupe BPCE networks distribute loans using funds from the sustainable development passbook savings account offered by the Banque Populaire banks (PREVair) and the Caisses d’Epargne (Ecureuil Crédit DD). Loan outstandings stood at € 169 million at December 31, 2018, serving to fund 26,992 projects.

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Registration document 2018