BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

SUPPORTING THE ENERGY, ECOLOGICAL AND SOCIAL TRANSITION IN LOCAL REGIONS

2019 Key Events

FINANCING FOR OFFSHORE WIND FARMS IN FRANCE AND INTERNATIONALLY Natixis funded the first offshore wind farm in France off the coast at Saint-Nazaire. This 480 MW wind farm has 80 turbines covering a surface area of 78 km 2 located 12 km and 20 km offshore and at depths ranging from 12 m to 25 m. It will be operational in 2022 and it is expected to produce the equivalent of 20% of the electricity consumption of the Loire-Atlantique department.

Global Real Estate Sustainability Benchmark (GRESB) assessment, which covers ESG themes. Six of these funds achieved a Green Star rating. In 2019, AEW CILOGER also issued a request for proposals for electricity or gas supplies from 100% renewable sources in buildings where it purchases energy. AEW Capital Management took part in the GRESB Assessment for several of its real estate portfolios and was awarded a score of 86/100 for its AEW Core Property Trust fund in 2019, ranking it seventh out of more than 40 funds (equivalent fund universe). Natixis Assurances monitors the portion of its real estate investments that have environmental certification. At year-end 2019, 19% of real estate assets managed under investment mandates were certified (HQE, BREEAM, etc.). Natixis Assurances extended its policy of incorporating ESG criteria in its real estate portfolio in 2019. In 2020, it will implement an energy convergence plan and continue to obtain certification for the assets in its portfolio.

In 2019, Natixis also played a major role in the renewable energy sector in the Asia-Pacific region, where it financed the SIHU project, which has a capacity of 640 MW. This offshore wind farm in Taiwan will be China’s biggest facility. On completion, it will supply clean energy to over 450,000 homes in Taiwan, saving nearly 916,000 metric tons of CO 2 per year.

FACILITATING THE TRANSITION FOR REAL ESTATE PORTFOLIOS As a provider of financing

In 2019, Natixis continued to expand its financing and arrangement business in the sustainable real estate sector, with various solutions including mortgage loans, green bonds, securitization vehicles and green loans. Four green loans were closed having financed over 26,700 m 2 in green real estate. As a responsible investor AEW CILOGER continued its efforts to obtain certification for its portfolio assets throughout 2019. Seven funds took part in the

ICAWOOD: THE FIRST GREEN EQUITY BRIDGE LOAN Natixis and ICAMAP closed the first green equity bridge loan for €100 million. This deal, which observes the Loan Market Association’s Green Loan Principles, will finance the development of real estate projects using low carbon construction techniques in the Greater Paris area.

ENABLING EVERYONE TO ACCESS FINANCING AND BANKING SERVICES In 2019, Groupe BPCE pursued its inclusive finance policy with various solutions to provide all customers with appropriate banking products and services. These include specific services for financially vulnerable customers, the prevention of over-indebtedness, personal or professional microloans, accessibility for disabled customers, and banking services for protected persons. IMPROVING THE TREATMENT OF CUSTOMERS FACING FINANCIAL DIFFICULTIES The TEC 2020 strategic plan emphasized the importance of how the Group treats customers facing financial difficulties and led to the implementation of action plans in each network. The number of customers taking out the specific range of services for vulnerable customers (OCF, or Offre Clients Fragiles ) is monitored on a monthly basis. In September 2018, the Group set a goal of increasing the number of OCFs by 30% in relation to 2017. As of December 31, 2019, this objective had been met, with 36,805 (1) new OCFs opened in 2019 by customers facing financial difficulties (36%). Several entities have set up dedicated units or

use existing ones. At the same time, the Group continued to provide specific training in this area, with 13,048 members of staff trained in the range of services available for vulnerable customers via e-learning courses and virtual classrooms. At the end of 2018, the Group also decided to place a monthly cap on the nine most frequent payment incident fees for customers concerned by this range (€16.50/month maximum) and for customers in one of the three vulnerable situations defined by regulations but who do not benefit from an OCF (€25/month maximum). These limits took effect on January 1, 2019 and on average 89,366 (2) customers have been assisted directly by this cap on payment incident fees. STEPPING UP THE PREVENTION OF OVER-INDEBTEDNESS In 2015, in accordance with the AFECEI Charter for Banking Inclusion and the Prevention of Over-indebtedness published in 2014, Groupe BPCE introduced a predictive scoring method to allow the early identification of customers at risk of incurring excessive debt. Customers identified by this system are invited to meet with their advisor. In 2019, the Group worked on extending and enhancing this scoring method, and an upgraded version will be rolled out in 2020.

(1) Source: DITG – Groupe BPCE reporting survey. (2) Source: table of average fee caps per OCF-2019 per quarter.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

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