BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

APPLYING CSR IN OUR ACTIVITIES

Identify and manage risks to boost growth 2.2.3

GROUPE BPCE RISK MATRIX

Regional footprint (R) Voting rights (F) Financial inclusion (R) Customer protection (L) Employee diversity (R)

Business ethics (L) Data security (O) Lasting relations with customers (F) Financing the EET* (F) Working conditions (H) Employability and transformation of jobs (O)

OCCURRENCE > 3 years < 3 years

Senior management pay (R) Cooperative relations (O) Employer appeal (O)

Indepenance and diversity among senior management (O) Shareholder rights** (R) Responsible procurement (R) Environmental footprint (R) Physical climaterisks (O)

ESG risks (F) Financing for local regions (R)

low

moderate

high

SEVERITY

Risk category Governance

Main impact (F)inancial (O)perational (L)egal (R)eputational (H)uman

Trend for the future Higher severity Higher occurrence Combination of both

Products & Services Internal operations

* Energy and ecological transition ** Relating to Natixis

All the risks in the matrix were reviewed and various divisions at BPCE and the federations were interviewed. No changes were made further to the review.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

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