BPCE - 2019 RISK REPORT Pillar III

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RISK MANAGEMENT SYSTEM

RISK MANAGEMENT

Risk and compliance culture

To promote and strengthen the risk and compliance culture at all levels, the Risk and Compliance department of the Risk

establishing regular communication on risk and compliance issues throughout the Group, and disseminating and measuring

Governance division is focused on developing risk and the risk and compliance culture. compliance training and awareness programs at all Group levels,

Initiative Training

System

Risk & Compliance Academy •

72 training courses, including: • a compliance program (Risk, Compliance and audit functions) • a specific program for the Inspection Générale division •

Risk Pursuit •

A banking risk awareness quiz: 200 questions/4 topics (credit risks, financial • risks, non-financial risks and banking environment risks) Targeting the employees of the Banques Populaires, the Caisses d’Epargne and • the subsidiaries Annual training provided for Fédération Nationale des Banques Populaires and • Fédération Nationale des Caisses d’Epargne Targeting the Risk and Compliance departments of the Group institutions and the • employees of BPCE SA (live and replay) Examination of regulatory issues (data protection, non-performing loans, • CRR2/CRD5, etc.) Coordination of the risk and compliance chapters of regulatory reports (universal • registration document, Pillar III, annual report on internal control, ICAAP) Coordination of commitment managers of the BPs, CEs and subsidiaries • Risk assessment of sales functions at Group institutions (New Product • Committee, implementation and updating of sales processes)

Members of the supervisory bodies and Risk • Committees of the BPs and CEs

Communication

The R&C Hour •

Regulatory workbook •

Regulatory communication •

Sharing of best practices

Sharing of best practices and cross-analyses • between operational entities and control functions

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RISK REPORT PILLAR III 2019 | GROUPE BPCE

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