BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

APPLYING CSR IN OUR ACTIVITIES

Risk/exposure management system

2018 key performance indicators Percentage of women in management roles (as a %)

2019 key performance indicators

Major risk

Definition of risk

2018 results

2019 results

Diversity and equal treatment

Ensure equal treatment of applicants and employees within the company Provide attractive working conditions, career development opportunities and give meaning to employees’ duties Establish a strategy to help clients manage the environment and energy transition and apply it at all levels of the company

See Chapter 2.4.3, “Promoting gender equality and diversity” See Chapter 2.4.3, “Quantitative human resources indicators for Groupe BPCE” See Chapter 2.3.2, “Financing and facilitating the energy, ecological and social transition with Groupe BPCE’s products and services” See Chapter 2.3.3, “Steering deposits and savings towards a more responsible economy”

42.9% Percentage of women in management roles (as a %)

43.7%

Employer appeal

Percentage of resignations

2.6% Percentage of resignations

2.9%

Financing for the energy transition, green and blue growth and solidarity-based growth

Financing for the energy and ecological transition: production (in euros and change) (1) Responsible deposits and savings (in euros) (2) Annual CO 2 emissions per FTE (tCO 2 eq/FTE) and change Existence of a code of ethics distributed to employees, oversight and governance

€169 million (7.90%)

Financing for the energy and ecological transition: production (in euros and change) (1) Responsible deposits and savings (in euros and change) (2) Annual CO 2 emissions per FTE (tCO 2 eq FTE) and change Share of employees having completed code of conduct training

€196 million 16%

€72.5 billion

€86.43 billion 19%

6.9 (1%)

6.8 (1%)

Environmental footprint Measure and reduce the environmental footprint

See Chapter 2.4.2, “Reducing our carbon footprint”

Business ethics, transparency and respect for law

Compliance with regulatory requirements, anti-corruption and anti-fraud policies, prevention of unethical behavior and access to information

See Chapter 2.4.1, “Respecting business ethics – the Group’s Codes of Conduct”

Qualitative information

84%

Green building loans (Eco Ptz + PrevAir + Ecureuil Crédit DD + ProVair loans) + Green mobility loans (AutoVair + Ecureuil auto DD loans). (1) Assets under management SRI + CODEVair (Banques Populaires) + Compte sur Livret Régional (CSLR) passbook savings accounts (Caisses d’Epargne) + sustainable range of (2) products (Crédit Coopératif).

CSR GOVERNANCE GROUP CSR GOVERNANCE

A separate BPCE function is responsible for overseeing the Group’s CSR commitments, in conjunction with the Fédération Nationale des Banques Populaires and the Fédération Nationale des Caisses d’Epargne, which coordinate CSR policy within their respective networks. The Group’s CSR & Sustainable Development division reports to the Corporate Secretary’s Office of BPCE’s Retail Banking and Insurance division. Its goals are to:

drive and oversee the Group’s CSR policy and support all • institutions in implementing this policy; serve as a source of foresight, expertise, and innovation in • order to establish Groupe BPCE on markets relating to green growth; coordinate the implementation of special regulations and • propose adaptations in governance.

To this end, it is divided into four functions:

Sustainable development watch, coordination and communication Organization and oversight of sustainable development and CSR aspects for management projects and in the strategic plan; Regulatory, economic and technical watch; Communication and organization of sustainable development function events.

Green, responsible growth

Responsible business

Forward-looking CSR

Definition of the green growth strategy (processes, benchmark, action plan); Development of expertise to serve the networks; Development of savings and solidarity-based financing; Contribution to inclusive finance mechanisms.

Coordination of CSR reporting and the Group/institution carbon review; Oversight and monitoring of the Group CSR approach; Dialog with ESG rating agencies, investors and NGOs.

Expansion of the forward-looking expertise and research approach to issues relating to the green economy and CSR, particularly in the economic and technological fields.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

www.groupebpce.com

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