BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

PUTTING OUR COOPERATIVE IDENTITY TO WORK FOR REGIONAL DEVELOPMENT

OUR STRENGTHS, OUR IMPACTS

COOPERATIVE and DECENTRALIZED

14 Banques Populaires 15 Caisses d’Epargne No. 2 FRENCH BANKING GROUP

A FULL-SERVICE BANK

Each bank is wholly-owned by its cooperative shareholders

Retail Banking & Insurance Asset & Wealth Management Corporate & Investment Banking

Our business model

2

cooperative shareholders 9 million

36 million

105,000

employees, o/w 89% in France

customers

Human resources

HIGH LONG-TERM RATINGS

€ 19.4 bn

CET1 ratio 15.7 %

Customers OUR STRENGTHS OUR IMPACTS in loan outstandings € 706 bn Local regions Financial resources

FitchRatings A+ R&I A+ Moody’s A1

Funding MLT market funding in 2019

Standard & Poor’s A+

Our ambitions

DIGITAL TRANSFORMATION

To our customers, employees, and cooperative shareholders COMMITMENTS

Ambitious targets for all our business lines GROWTH

Seize opportunities from the technological revolution

Notreactivité

in deposits and savings € 746 bn

in assets under management € 934 bn

in life insurance assets under management by by Natixis € 68 bn

OUR AMBITIONS

No. 2 bank for individual customers

26 %

€ 10.8 bn

€ 86.4 bn in responsible deposits and savings

market share home loans (individuals)

in energy transition loan outstandings

in financing for the French economy +20 %

creditor of the social and solidarity-based economy No. 1

bank for SMEs No. 1

€ 111 bn

Boosting GDP through the loans and operations of the Banque Populaire and Caisse d’Epargne networks

69 %

6,903

99 %

43.7 %

of employees are engaged

new hires with permanent contracts

of employees have received professional training

of our managers are women

Employees

47

UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE