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

Caisses d’Epargne

At 12/31/2019

At 12/31/2018

At 12/31/2017

Number of individual cooperative shareholders (in millions) Percentage of cooperative shareholder customers (as a %) (1) Average value of shares held per cooperative shareholder (in euros) (2) Customer satisfaction rate (difference between percentage of very satisfied customers and percentage of dissatisfied customers) (3)

4.54 25%

4.63 25%

4.76 24%

(1.9%)

0%

3,255

3,050

2,873

6.7%

15 50% Natural persons only (customers and cooperative shareholders). Figure calculated as the “total number of cooperative shareholders” divided by “total number of customers”. (1) Source: cooperative shareholder base dashboard, 2019. Figures calculated based on the “total number of customers” and “outstanding cooperative shares”; natural persons only. (Internal source: cooperative shareholder base (2) dashboard, 2019). Data from the BP & CE individual customer satisfaction survey. (internal source: Group Customer Research division). (3) 10 2.8

2

COOPERATIVE INDICATORS: GOVERNANCE AND DIRECTOR TRAINING

Change 2018-2019

Caisses d’Epargne

2019

2018

2017

Governance bodies Number of members of Steering and Supervisory Boards

298

303

303

(1.7%)

Director attendance rate at Steering and Supervisory Board Meetings (as a %) Percentage of Steering and Supervisory Board Members who are women (as a %) Percentage of Steering and Supervisory Board Chairmen or Vice-Chairmen who are women (as a %) Director training Steering and Supervisory Boards: percentage of members who took at least one training course over the year (as a %) Steering and Supervisory Boards: average number of training hours per person (basis = 100) CSR GUIDELINES The Fédération Nationale des Caisses d’Epargne, the Caisses d’Epargne and external stakeholders have co-constructed four joint ambitions: local footprint: being a key contributor to the transformation of • the regions and the local economy; active cooperation: encouraging employees and cooperative • shareholders to become “cooperative players”; societal innovation: anticipating the needs of society in order • to build progressive solutions; global performance: furthering the continuous improvement of • CSR policies and their incorporation in all business lines. These CSR Guidelines, broken down into eleven objectives, provide a common framework in which each Caisse d’Epargne, operating as a fully-fledged cooperative bank, defines its own CSR strategy. This shared framework facilitates the exchange of best practices and achievement of common goals, while respecting the cooperative structure of the Caisses d’Epargne.

94% 46%

93% 45%

93% 39%

0%

2.2%

30%

29%

20%

3.5%

90%

87%

96%

3.5%

11.05

9.2

8

13.2%

auditor responsible for verifying that the structure and operation of cooperative entities observe cooperative principles and rules. In the last two years, all the Banques Populaires and the Caisses d’Epargne have appointed a cooperative auditor and completed a cooperative review, which was submitted to the 2019 Annual General Shareholders’ Meetings. None of the Banques Populaires or the Caisses d’Epargne was identified as possibly being ‘non-compliant’ with the cooperative banking model and the auditors voiced no reservations in the course of their audit. The Banques Populaires are involved in initiatives in support of civil society in various areas. They are highly involved in supporting business creation (through microloans in particular), integration and solidarity, and actively support education and research. In order to take effective action in the local public interest and to structure their patronage, nine Banques Populaires have their own foundation and/or endowment fund. Action taken by Crédit Coopératif and its foundation is mainly focused on supporting and promoting the social and solidarity-based economy, while the CASDEN Banques Populaires naturally focus on education and research. PATRONAGE Local patronage and partnerships

COOPERATIVE REVIEW

The French act of September 10, 1947 on the status of cooperatives establishes the principle of a cooperative review every five years. The review is performed by an independent

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE