BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

PUTTING OUR COOPERATIVE IDENTITY TO WORK FOR REGIONAL DEVELOPMENT

COOPERATIVE INDICATORS: COOPERATIVE SHAREHOLDER BASE

Change 2018-2019

Banques Populaires

At 12/31/2019 (1)

At 12/31/2018

At 12/31/2017

Number of cooperative shareholders (in millions) Percentage of cooperative shareholder customers (as a %) Average value of shares held per cooperative shareholder (in euros) Customer satisfaction rate (difference between percentage of very satisfied customers and percentage of dissatisfied customers) (3)

4.58

4.44

4.30 33%

3%

33% (2) 3,269 (2)

33% (1) 2,235

-

2,167

46.3%

22

18

14

+4 points

Excluding BRED, CASDEN and Crédit Coopératif. (1) Data at end-September 2019. (2) Data from the BP and CE individual customer satisfaction survey. (Internal source: Group (excluding Crédit Coopératif and CASDEN) Customer Research division). (3) COOPERATIVE INDICATORS: GOVERNANCE AND DIRECTOR TRAINING

Change 2018-2019

Banques Populaires

2019

2018

2017

Governance bodies Number of members of Boards of Directors

225

225

242

0%

Director attendance rate at Board of Directors Meetings (as a %) Percentage of Board Members who are women (as a %) Percentage of Board Chairmen and Vice-Chairmen who are women (as a %) Director training Boards of Directors: percentage of members who took at least one training course over the year (as a %)

85%

83% 44% 19%

83% 42%

2.4% 3.4%

45.5%

24%

15.5%

26.3%

77%

83% 11.6

58%

(7.2%) (19.8%)

Boards of Directors: average number of training hours per person (1)

9.3

5.6

2018 data including Audit Committee training courses. (1)

CAISSES D’EPARGNE At the end of 2019, the Caisses d’Epargne had 4.54 million cooperative shareholders, the majority of whom are individual customers. Cooperative shareholders are represented by 208 local savings companies (LSCs), which form an intermediate layer that helps strengthen each bank’s local roots and relationships, and provide the shareholders with a forum for expression. In 2019, the Caisses d’Epargne continued their efforts to get their cooperative shareholders more involved in the life of their bank as key stakeholders. They provide them with dedicated information and communication channels including in-branch information points, a website (www.societaires.caisse-epargne.fr), newsletters and conferences hosted by Caisse d’Epargne experts. These channels provide cooperative shareholders with regular updates on what is happening at their Caisse d’Epargne, as well as regional and national news in general. Some Caisses d’Epargne consult their cooperative shareholders and organize shareholder events such as exclusive meetings. All the Caisses d’Epargne have a Cooperative Shareholders Club offering membership perks.

The Caisses d’Epargne also provide support to the cooperative shareholder representatives, LSC directors and Steering and Supervisory Board Members. Introductory and ongoing training is a top priority to ensure that they fulfill the duties of their office and contribute actively to the governance of the Caisses d’Epargne. The training catalog covers a wide range of subjects, for example: for directors, an induction program focusing on learning about • the identity and history of the Caisses d’Epargne, CSR, the Group’s business lines, digital solutions and acquiring a strong foundation of general banking culture; for members of Boards of Directors and Supervisory Boards, • initial regulatory training tackles the six areas established by decree: governance, accounting and financial information, banking and the financial markets, legal and regulatory requirements, risk management and internal control, and strategic planning; for the specialized committees, nationwide training courses • are offered to members of the Risk, Audit, Appointments, and Remuneration Committees. New topics were placed in the spotlight in 2019, including banking and the regulatory environment, payment services and the digital transformation.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

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