BPCE - 2018 Registration document

1 PRESENTATION OF GROUPE BPCE

TEC 2020: a strategic plan focused on digital transformation, commitment and growth

TEC 2020: a strategic plan focused on 1.4 digital transformation, commitment and growth

TEC 2020, the strategic plan for the 2018-2020 period, focuses on a combination of DIGITAL TRANSFORMATION aimed at seizing opportunities created by the ongoing technological revolution, COMMITMENT to the Group’s customers, employees and cooperative shareholders, and GROWTH in all core businesses.

ACCELERATING OUR DIGITAL TRANSFORMATION

The Group plans to ramp up its digital transformation within the organizational structure established in early 2017. The goal is to attain the highest customer satisfaction scores by raising the Group’s digital NPS on par with pure players by 2020. This will be achieved by: developing our joint brand interfaces in a bid to provide customers with an experience of the highest standard; ● investing massively in data analytics, in order to customize our offers, measure certain risks more precisely, enhance our CRM tools and ● build artificial intelligence tools; improving the agility of our information system by tapping into Cloud resources; ● further optimizing our operating model through function-based operations, shared platforms (loan management, Group middle offices, ● etc.), digitization and robotization; Digital transformation investments will be increased to € 600 million per year by 2020.

STRONG COMMITMENTS TO OUR CUSTOMERS, STAFF AND COOPERATIVE SHAREHOLDERS

More expertise and solutions for our customers: in retail banking, a commitment of availability, advice and excellence, with 50% more specialized advisors, ● implementation of broader solutions in response to new customer expectations and preferences, and a continuous focus on customer satisfaction; in Asset Management, a range of innovative, bespoke and active investment strategies and solutions, a ● dedicated sales force, digital tools and an expanded presence in the Asia-Pacific region; in Corporate & Investment Banking, unrivaled expertise in four key sectors (Energy and Natural Resources, ● Infrastructure, Aviation, Real Estate and Hospitality) and more extensive customer relations. A strong employer promise: to improve employability through training and internal mobility, and by providing all employees with digital ● tools;

Customers

to develop the Group’s image as an employer in order to attract and retain top talent; ● to continue our efforts to promote diversity among executives and company directors. ●

Employees

A responsible group, productively engaged in society: contributing to the regions and local ecosystems; ● committed to green growth and CSR; ● providing products and services to vulnerable customers. ●

Cooperative shareholders

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Registration document 2018