BPCE - 2019 Universal Registration Document

PRESENTATION OF GROUPE BPCE

TEC 2020: A STRATEGIC PLAN FOCUSED ON DIGITAL TRANSFORMATION, COMMITMENT AND GROWTH

Meanwhile, Corporate & Investment Banking offers its clients recognized expertise in four specific sectors: Energy and Natural Resources, Infrastructure, Aviation, Real Estate & Hospitality. A STRONG EMPLOYER PROMISE As an employer, the Group is committed to enhancing employee value through training and internal mobility, developing its employer brand in order to attract and retain top talent and to continuing its efforts to promote diversity among executives and company directors. To achieve this, in 2018 the Group signed another three-year Occupation and Skills Forecasting (GPEC) agreement with labor representatives in order to establish a structured framework in today’s fast-changing environment undergoing considerable technological innovation. An unprecedented training drive is underway, with an increase of more than 25% in the number of hours spent on professional training and an investment of 10 million training hours over the duration of the plan. Further efforts have been made to improve gender equality: the percentage of women in executive roles was 43.7% at end-2019 and the proportion of female company directors reached 26.4%, an increase of 6 points since the start of the plan. The Group has set up a dedicated intranet platform to facilitate job mobility. FOR RETAIL BANKING for the Banques Populaires, developing the civil service • market, consolidating our position as the leading bank for SMEs and maintaining a presence alongside company directors; for the Caisses d’Epargne, consolidating our position as the • preferred bank for individual customers, and particularly those with the potential to become wealth management clients, and continuing our efforts to gain new professional and corporate customers, while maintaining leadership on the institutional market; for Banque Palatine, developing a high-end offering focusing • on dual banking relationships with company directors; digitizing specialized financial services and boosting synergies • with the banking networks; becoming a pure player in payments (Natixis); • consolidating our position as a top tier insurer in France • (notably as one of the Top 5 in personal insurance) and integrating the entire non-life insurance value chain; Ambitious growth targets in all business lines The Group has set goals for 2020 for each of its business lines:

In 2019, Natixis ranked tenth out of 25 French prizewinners in the Glassdoor league table of the “Best Employers 2020”, and appeared in the Bloomberg Gender-Equality index.

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A RESPONSIBLE GROUP, PRODUCTIVELY ENGAGED IN SOCIETY

The Group is committed to serving the wider community by contributing to the regions and local ecosystems, fostering green growth and CSR and providing products and services to vulnerable customers. As such, the Group finances around 20% of the French economy (housing, transport, energy, telecommunications, universities, hospitals, etc.). At end-2019, loan outstandings of Banque Populaire customers stood at €225 billion and those of Caisses d’Epargne customers totaled €291 billion, an overall increase of 7.6% year-on-year. As at year-end, the Group provided €10.8 billion in financing for the energy transition and managed €86.4 billion in responsible deposits and savings, up nearly 20% year-on-year. In 2019, the Group joined the international “Business 4 Inclusive Growth” initiative aimed at reducing regional and gender equalities. In France, the Group is the number one bank in microloans with support, with 21,131 solidarity-based loans with support distributed for a total of €555.8 million. For its refinancing, the Group continued its policy of issuance on the green and social bond market for ecologically and socially responsible investors. FOR ASSET MANAGEMENT confirming our position as a world leader in active investment • strategies in terms of size, profitability and capacity for innovation; developing alternative strategies and solutions; • expanding global distribution capacities; • FOR CORPORATE & INVESTMENT BANKING being recognized as a bank for innovative solutions and • strengthening our Originate-to-Distribute model, primarily by expanding our client base of insurers and investment funds; becoming the go-to bank in four key sectors: Energy and • Natural Resources, Infrastructure, Aviation, Real Estate & Hospitality.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE