BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

SUPPORTING THE ENERGY, ECOLOGICAL AND SOCIAL TRANSITION IN LOCAL REGIONS

Financing and facilitating the energy, ecological and social transition 2.3.2 with Groupe BPCE’s products and services

MEETING FAMILIES’ NEEDS THERMAL RENOVATIONS IN INDIVIDUAL HOMES

preferential price. Policyholders also receive assistance and advice on how to save energy.

FACILITATING ACCESS TO ZERO CARBON MOBILITY Groupe BPCE helps businesses and individuals in the transition to zero carbon mobility through its retail banks, insurance activities and as an investor. The Group’s networks have created special products to help their customers adopt mobility solutions generating little to no carbon emissions. The Banques Populaires’ AUTOVair loan and the Caisses d’Epargne’s Ecureuil Auto DD loan can be used to buy hybrid and electric vehicles, including electric bicycles, at preferential rates. Loan outstandings at December 31, 2019 totaled €130 million. Natixis Assurances offers preferential rates to individuals who travel less than 8,000 km per year in their car: this option applies to 25.5% of contracts (194,297 policies), representing €67.8 million in annual premiums in 2019. Savings of up to 30% are offered to electric vehicle owners. In the interest of supporting its customers, Natixis Assurances also offers eco-driving courses. Mirova factors in sustainable mobility by encouraging investments in securities issued by vehicle manufacturers and equipment suppliers that propose technical solutions to solve the challenge of offering more and more people mobility solutions while reducing the environmental and social impacts linked to transport. As the transition to electric vehicles gathers pace, Mirova published a report providing insight into the challenges facing the electric vehicle sector and the solutions available and identifying high added value segments in this sector to channel savings towards these companies, which are crucial to the energy transition.

In 2019, Groupe BPCE was the number three provider of Eco-PTZ interest-free eco-loans in France, with a market share of 21%. Loans totaling €508 million have allowed our customers to make energy efficiency renovations in their homes. As an active contributor to the Eco-PTZ Committee of the SGFGAS (a personal guarantee provider for low income families), Groupe BPCE has put forward multiple proposals to improve product distribution and efficiency for the individual Eco-PTZ loan and the Eco-PTZ Copropriété loan for commonhold associations. The Group – via Caisse d’Epargne Ile-de-France – is one of only two banks that grant Eco-PTZ Copropriété loans. The launch of the LDD Sustainable Development passbook savings account in 2006 obliged banks to allocate 10% of the deposits collected to thermal home renovation projects within the meaning of the “CITE” (energy transition tax credit) list. The Group’s retail banking networks distribute loans backed by LDD passbook savings accounts: PREVair at the Banques Populaires and the Ecureuil Crédit DD loan for the Caisses d’Epargne. Loan outstandings at December 31, 2019 totaled €142 million. Natixis Assurances also encourages individual policyholders to save energy via its range of home insurance products. The range includes coverage of equipment such as domestic windmills, solar panels or solar-powered water heaters, energy control cabinets, storage batteries and rainwater collection tanks. In the event of a claim, policyholders can repair damaged paintwork themselves using eco-friendly paint available at a GIVING THE GREEN LIGHT TO GREEN PROJECTS

NEW GREEN FINANCING PRODUCTS SOLD BY THE BANQUES POPULAIRES AND THE CAISSES D’EPARGNE

2019

2018

2017

Number Outstandings

Number Outstandings

Number Outstandings

in thousands of euros

Regulated green loans PREVair (loans backed by LDD deposits) and CODEVair Ecureuil Crédit DD (loans backed by LDD deposits)

158

1,482.92 37,813.66 78,367.79 117,664.35 28,327.23 36,808.93 65,136.15 13,432.61 196,233.12

242

2,463.33 32,052.16 62,727.40 (1) 97,242.89 28,284.34 34,922.61 63,206.96

376

3,339.60 33,404.53 78,555.54 115,299.67 26,627.94 33,850.89 60,478.83

3,237 6,705

3141

3,429 5,380 9,185 2064 3,258 5,322

Eco-PTZ (interest-free eco-loans) TOTAL GREEN HOME LOANS

4,354 (1)

10,100

7,738 2,100 3,203 5,303

PREVair Auto (car loan) Ecureuil Auto DD (car loan)

1,955 3,290 5,245

TOTAL ZERO CARBON MOBILITY LOANS

PROVAir

98

62

8,961.01

68

7,740.65

TOTAL GREEN FINANCING

15,443

13,103

169,410.86

14,575

183,519.14

Data adjusted in relation to figures published in the 2018 non-financial performance report. (1)

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

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