BPCE - 2019 Universal Registration Document

PRESENTATION OF GROUPE BPCE

HIGHLIGHTS

August 2019

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Groupe BPCE undertook to combat inequality by joining the G7 have committed to stepping up their initiatives to improve Business for Inclusive Growth (B4IG), an initiative coordinated human rights across the value chain, establish inclusive working with the OECD aimed at promoting inclusive growth. The 30 environments and foster inclusion in internal and external largest international corporations joining forces in this coalition ecosystems.

September 2019

Groupe BPCE and Natixis signed the Principles for Responsible Banking, undertaking to strategically align their activities with the United Nations Sustainable Development Goals and the Paris Agreement on Climate Change. In signing the Principles for Responsible Banking, Groupe BPCE and Natixis joined a coalition of 130 banks worldwide committed to playing a decisive role in building a sustainable future.

Natixis was the first bank to actively manage the climate impact of its balance sheet using the Green Weighting Factor. The GWF allocates capital to financing solutions based on their impact on the climate and is applied to loans granted by Corporate and Investment Banking.

October 2019

According to the most recent annual survey conducted by digital rating agency D-Rating, the Banque Populaire and Caisse d’Epargne brands have risen to the top tier of retail banking groups, both for the level of use and performance of their digital communication channels. They recorded the strongest improvement in the sector between 2018 and 2019, with Banque Populaire gaining nine places and Caisse d’Epargne six.

Groupe BPCE purchased a 50.1% stake in Oney Bank, with the remaining share capital owned by Auchan Holding. With offers and locations complementing those of Oney Bank, Groupe BPCE will expand its scope of expertise in specialized financial services, and particularly in payments.

November 2019

Groupe BPCE reaffirmed its commitment to promoting the ecological transition, signing the FBF manifesto in honor of the fifth annual Climate Finance Day. The manifesto reiterates the commitment made by French banks to ecological transition, along with their determination to ramp up their initiatives aimed at building a low-carbon, inclusive and ecological economy.

Groupe BPCE helped finance the first French offshore wind farm. As lead arranger, Natixis coordinated the response of various Group companies: Caisse d’Epargne Bretagne Pays de Loire, Caisse d’Epargne Normandie, Caisse d’Epargne Ile-de-France and Banque Populaire Grand Ouest. Groupe BPCE’s direct contribution amounted to €100 million.

December 2019

Groupe BPCE, Natixis and La Banque Postale reached a major milestone in their efforts to broaden and expand their business partnership; the agreements covering CNP Assurances (extension of the commercial agreements through end-2030 and shareholders’ agreement) were signed and the main terms of the plan to establish a top-tier European asset manager specializing in insurance-related asset management with LBPAM were defined.

Groupe BPCE issued the second Green Bond in its history, totaling €500 million, for the purpose of refinancing renewable energy assets. As agreed upon with the Banques Populaires, the Caisses d’Epargne and their federations, Natixis and Banque Palatine, Groupe BPCE paid €10 million to the Heritage Foundation for the Restoration of Notre-Dame de Paris in the wake of the fire of April 2019.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE