BPCE - 2019 Universal Registration Document



streamlining and optimizing the functioning of the Wealth Management business in France and Luxembourg, and the closing of the acquisition of Massena Partners in Luxembourg. In Employee Savings, Natixis Interépargne created an all-digital personalized advisory service, providing investors with a diagnostic analysis of their investment allocation and helping them to optimize their investments according to their profile. In payments, Natixis Payments launched the first module of its “tap-to-pay” solution at the Women’s Football World Cup, in partnership with Visa. Natixis also launched Xpollens in collaboration with Visa. This is a full “Payments in a Box” solution to benefit from the opportunities resulting from PSD2. This solution enables clients to easily integrate, and in record time, a full range of payment solutions, from payment cards to instant payments through account management. In Corporate & Investment Banking – M&A advisory activities, Natixis made a strategic investment in Azure Capital, an Australian boutique M&A advisory firm specialized in infrastructures, energy and natural resources. Natixis continued to develop its sector-based approach and its green financing expertise. In particular, Natixis implemented its Green Weighting Factor, an innovative management tool to support its clients in their ecological transition, thereby becoming the first bank to actively manage the climate impact of its balance sheet. Any “green” financing granted by Corporate & Investment Banking is now awarded a bonus, whereas profitability is reduced for any “brown” financing. Ultimately, Natixis is aiming to align its financing solutions with the objectives of the Paris Agreement on climate change. In terms of sustainable finance, Groupe BPCE implemented a large number of initiatives in the Banques Populaires, Caisses d’Epargne and Natixis. A head of sustainable finance coordination was appointed within the Group to give even more

meaning and consistency to its development and position the Group as a player adhering to the highest of standards. In addition, Groupe BPCE and Natixis signed the Principles for Responsible Banking, and committed to strategically aligning their activities with the Sustainable Development Goals of the United Nations and the Paris Agreement on climate change. They have therefore joined a coalition of 130 banks around the world, representing assets of more than $47 trillion, which have committed to playing a key role in contributing to a sustainable future. Natixis also signed the United Nations Women’s Empowerment Principles. This commitment reinforces Natixis’ actions to promote gender equality. Groupe BPCE also established a code of conduct and ethics for all employees. Its purpose is to provide employees with a guide for making decisions whenever they have any doubts on how to determine where the long-term interests of the customer or company reside. It lays down the resulting rules of conduct, summarized in the form of twelve principles and illustrated by concrete examples. After being named a Premium Partner of the 2024 Olympic Games in Paris, Groupe BPCE embarked on the rollout of a national platform in support of nearly one hundred French athletes. This mechanism, initiated by the Group’s companies (Banque Populaire, Caisse d’Epargne, Natixis, Banque Palatine, Crédit Coopératif and CASDEN), will see the latter team up with high level sports persons from mainland France and French overseas territories with the aim of giving them the best possible chance of selection and preparation for the next Olympic and Paralympic games of Tokyo 2020 and Paris 2024. Finally, in line with its cooperative values, Groupe BPCE committed to supporting the restoration of Notre-Dame de Paris.




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