BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

SUPPORTING THE ENERGY, ECOLOGICAL AND SOCIAL TRANSITION IN LOCAL REGIONS

SUMMARY OF MICROLOANS (1) WITH SUPPORT

New loans in 2019 (2)

New loans in 2018

New loans in 2017

Change 2018-2019

Type of loan (in euros)

Number

Amount

Number

Amount

Number

Amount

Number

Amount

Personal banking microloans Personal non-banking microloans

4,988 14,504,035 1,545 5,137,651

5,361 14,965,587 1,787 5,704,572

5,790 15,251,697 1,273 3,860,942

(7%)

(3%)

(14%)

(10%)

Secured professional banking microloans, o/w guaranteed by France Active Professional non-banking microloans GROUPE BPCE TOTAL (INCL. CAISSES D’EPARGNE, BANQUES POPULAIRES, CRÉDIT COOPÉRATIF)

2,242 74,049,744 6,514 24,516,136

2,407 71,749,351 5,570 20,441,971

1,984 65,141,491 4,664 17,056,621

(7%)

3%

17% 20%

15,289 118,207,566 5% Microloans: loans issued to borrowers in vulnerable situations covered by a guarantee and supported by a public interest organization. Caps on funds issued as established by the (1) Lagarde Act of July 1, 2010. France Active – Fafi. (2) 15,125 112,861,481 13,711 101,310,751 1%

NACRE ( NOUVEL ACCOMPAGNEMENT À LA CREATION ET À LA REPRISE D’ENTREPRISES ) TOP-UP LOANS

New loans in 2019

New loans in 2018

New loans in 2017

Change 2018-2019

Number

Payments

Number

Payments

Number

Payments

Number

Payments

Issuing network (in euros)

GROUPE BPCE TOTAL

547 20,439,542

1,109 40,018,571

1,611 56,646,769

(51%)

(49%)

TOP-UPS FOR START-UP LOANS PROVIDED BY INITIATIVE FRANCE (ESTIMATE AT JANUARY 31, 2020)

New loans in 2019

New loans in 2018

New loans in 2017

Change 2018-2019

Issuing network (in euros) GROUPE BPCE TOTAL (1)

Number

Payments

Number

Payments

Number

Payments

Number

Payments

5,295 417,200,000 (2)

5,216 377,803,603

5,015 366,266,977

5%

5%

Including the Caisses d’Epargne, the Banques Populaires and Crédit Coopératif. (1) 2020 estimates provided by Initiative France. (2) Sources: Report by the Fonds de cohésion sociale (social cohesion fund), Adie reporting, France Active, Initiative France and France Active disclosures on NACRE financing.

Caisses d’Epargne In 2019, the Caisses d’Epargne consolidated their rank as the number one bank for personal microloans (1) while also holding on to their leading position in the professional microloan segment. They offer solutions for microloan borrowers via the Parcours Confiance association and the Créa-Sol microfinance institution. Sixty advisors are dedicated to this activity across France, alongside over 600 partners providing support for borrowers. In 2019, 4,442 personal microloans and 1,214 professional microloans were issued by the Caisses d’Epargne, alongside 453 microloans via Créa-Sol. At the national level, they are represented on the Steering and Supervisory Board of the fonds de cohésion sociale (social cohesion fund).

In 2019, the Caisses d’Epargne further rolled out the Mobilize Véhicule Neuf vehicle leasing solution with purchase option financed via a microloan, in partnership with Renault and the Entreprise et Pauvreté action tank, to enable persons in financial difficulty to lease a new vehicle. The Caisses d’Epargne also rolled out cash management microloans with the support of the social cohesion fund, to allow individual customers to repay overdue loans. They also maintained their international commitments through their involvement in the European Microfinance Network (EMN), and Paris Europlace, which has set up a microfinance group.

WOMEN ENTREPRENEURS: A EUROPEAN SURVEY LAUNCHED BY THE CAISSES D’EPARGNE (2) For eight in ten French women entrepreneurs, the decision to set up their own business was a way of taking control of their career development. 80% of women said they had no problems financing their business. Setting up a business is a truly rewarding challenge but there are various difficulties to overcome. From Italy to Sweden, as well as in France, Germany and the United Kingdom, more than 60% of women entrepreneurs are happy with their lives. This figure peaks at 78% in France and 84% in Sweden.

(1) Source: Fonds de cohésion sociale (social cohesion fund). (2) Caisse d’Epargne/CREDOC survey of 2,500 entrepreneurs (excluding self-employed workers) in France, Italy, Sweden, Germany, and the United Kingdom in July 2019.

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UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE

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