BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

APPLYING CSR IN OUR ACTIVITIES

OUR ACHIEVEMENTS IN 2019

Strategic projects Measuring and 1.

2019 achievements

Harmonization of processes across the two networks: money flows (savings/loans), distribution of value (regional approach), publication in the non-financial performance report. Seven studies of the socio-economic footprint to calculate direct and indirect impacts and those generated by the business activity. A study of the cumulative impact of the two networks, for the Caisse d’Epargne network, for the Banque Populaire network, and for Caisse d’Epargne Aquitaine Poitou-Charentes, Caisse d’Epargne Grand Est Europe, Banque Populaire Aquitaine Centre Atlantique, and Banque Populaire Val de France. Creation of a database as of December 31, 2018 to measure the socio-economic footprint of all the Banques Populaires and the Caisses d’Epargne. Training and awareness courses on the distribution of SRI funds organized by Mirova for the Banque Populaire and Caisse d’Epargne networks. Work under way to improve transparency and measure the impact of passbook savings accounts. Collection of information from suppliers with a view to reducing the carbon footprint of procurement activities. Platform for promoting services outsourced to companies working with persons with disabilities by Group entities and services and suppliers that meet CSR criteria. Communication on the impact of regulatory developments for purchases from companies working with persons with disabilities. “Responsible Supplier Relations and Procurement” certification for 11 banks: BPCE SA, Banque Populaire Sud, Caisse d’Epargne Hauts de France, Banque Populaire Grand Ouest, Banque Populaire Rives de Paris, Caisse d’Epargne Bretagne Pays de Loire, Caisse d’Epargne Grand Est Europe, Caisse d’Epargne Ile-de-France, Caisse d’Epargne Midi-Pyrénées, Caisse d’Epargne Aquitaine Poitou-Charentes, Caisse d’Epargne Rhône Alpes. Training on the corporate duty of due diligence for the procurement function and CSR departments. Training module on procurement ethics. Responsible procurement training for the procurement function and CSR departments. Implementation in the retail networks of the roadmap for vulnerable customers. Target met for increasing take-up of solutions for vulnerable customers (OCF “Offre clientèle fragile” range) by 30% between 2017 and 2019. Cap on fees for vulnerable customers and for customers benefiting from specific offers. Working groups to produce an action plan for reducing our emissions in procurement, transport and responsible digital practices. Contribution to Net Zero, an industry-wide carbon neutral initiative aimed at establishing a methodology for companies seeking to achieve a challenging, credible and harmonized net zero carbon footprint. Updating of the incorporation of ESG criteria for 11 sector lending policies and 1 focus for retail banking. Dissemination of renewable energy project financing techniques to all Group entities. Guarantee obtained from the European Investment Fund (EIF) for projects relating to the ecological transition in the agricultural sector (INAF project). Publication by Natixis of a new policy stepping up its commitments in the coal sector. Application of the Green Weighting Factor, an internal capital allocation model that adapts the expected return on different financing solutions depending on their impact on the environment and climate change by using a favorable or adverse adjustment to weighted assets. https://groupebpce.com/en/all-the-latest-news/news/2019/green-weighting-factor-natixis-innovates-in-favor-of-the-climate Second public green bond issue (issue of €500 million in senior preferred securities over five years to refinance renewable energy assets) https://newsroom-en.groupebpce.fr/news/groupe-bpce-completes-its-second-ever-green-bond-issue-688f-53927.html Communication on best practices for supplier payment deadlines. Hub for sharing best practice for supplier payment deadlines.

promoting the local socio-economic footprint

Responsible savings 2.

2

Developing 3. responsible procurement

Inclusive finance 4.

Reducing direct 5. environmental impacts Drafting a green 6. growth strategy

Sustainability 7.

Ongoing work to improve the accuracy of IT reporting packages. Optimization of carbon emission calculation indicators. Q&A book on key CSR topics.

reporting and ratings

Raising awareness 8.

Implementation of the strategic plan with the Banque Populaire and Caisses d’Epargne federations ( Faites de la Coopération event, training for directors, etc.).

on reporting and CSR

Support for the networks with training in CSR, carbon review and reporting. Annual Meetings for the CSR function and/or the Green growth function.

Communication and 9. CSR

Communication to all members of staff on key dates, for example European Sustainable Development Week (raising awareness on the problem of plastic waste via the website, mailings and videos), European Mobility Week, and sharing best practice throughout the Group. Participation in work done by the ORSE (Corporate Social Responsibility Observatory) and the Global Compact. Signature of the PRB. 20 Groupe BPCE companies have signed the Cancer@Work Charter. Guide to gender equality. BPCE sports activity review (Bilan APS, Activité Pratique Sportive ) under the partnership with the Paris 2024 Olympic Games.

Implementation of an 10. innovative policy to encourage

well-being, health and exercise in the workplace and employee diversity and employability

Ethics 11.

Publication of the Groupe BPCE code of conduct and ethics and employee training via an e-learning course.

ISO 26000 12.

Five banks completed the process in 2019. The following banks are now ISO 26000 certified: Banque Populaire Alsace Lorraine Champagne, Banque Populaire Grand Ouest, Banque Populaire Rives de Paris, CASDEN and Crédit Coopératif, Caisse d’Epargne Rhône Alpes, Caisse d’Epargne Bretagne Pays de Loire, Caisse d’Epargne Aquitaine Poitou-Charentes, Caisse d’Epargne Midi-Pyrénées.

certification

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE