BPCE - 2019 Universal Registration Document

NON-FINANCIAL PERFORMANCE REPORT

SUPPORTING THE ENERGY, ECOLOGICAL AND SOCIAL TRANSITION IN LOCAL REGIONS

Partnership with business creation support networks The Banques Populaires work with networks that support business creation, including Adie (French association for the right to economic initiative), Initiative France, France Active, Réseau Entreprendre, and BGE (formerly Boutiques de Gestion). They primarily focus their microfinance initiatives on professional microloans. The Banques Populaires remained ADIE’s leading provider of refinancing, representing 23% of microloan origination. Nearly €28.9 million in credit lines were granted, and €24.4 million disbursed to finance 7,115 microloans, contributing to the creation or retention of 7,058 jobs for self-employed workers or employees. They also provide top-ups to start-up loans requiring no personal guarantees for young people, as set up by Adie. As well as this financing, the Banques Populaires and their federation: provide funding for the new training program for young people • entitled “I am an entrepreneur” (formerly CréaJeunes); are partners of Adie’s communications campaign on • “Entrepreneurship for all” week;

organize the Créadie Jeune – Banque Populaire award for • young people with entrepreneurial projects in local regions and at a national level. The FNBP’s Chief Executive Officer is a member of Adie’s Board of Directors. In 2019, the Banques Populaires granted €287.4 million in top-ups for start-up loans requiring no personal guarantees under the Initiative France program, and most of these banks have set up agreements with the incubator France Active, generating €36 million in secured loans. Crédit Coopératif remains active in microloans with Adie. In 2019, it financed 1,104 micro-business creations with professional microloans. It is also involved in the personal microloan segment through its strong commitment to support networks (Adie, the Red Cross, Secours Catholique, Missions Locales, etc.) and a partnership between its subsidiary BTP Banque and Pro-BTP (a social protection agency for construction workers) to enable apprentices in the construction sector to buy a vehicle. Accordingly, in 2019 it granted 1,412 personal microloans with support. In 2019, 61% of Crédit Coopératif’s loans were aimed at facilitating the professional integration of women.

2

L’ENVOLÉE, A CRÉDIT COOPÉRATIF BUSINESS INCUBATOR In 2019, Crédit Coopératif opened L’Envolée, an inclusive business incubator in Saint-Denis (in the Seine-Saint-Denis department) for entrepreneurs committed to fostering a fairer, more equitable and open society for all. Crédit Coopératif and its partners share their expertise with entrepreneurs who place social impact and inclusion at the center of their business plans. They receive individual support, business development assistance and access to an active network of partners. The incubator is also funded by the Ile-de-France region.

Partnership with the non-profit Finances & Pédagogie The Caisses d’Epargne support the association Finances & Pédagogie, which is an educational program for young people, for people in financial difficulty, social aid professionals, volunteers with charities and employees. The objective is not only to provide support on recurrent topics involving money (managing a budget, relations with the bank, knowing how to talk about money, planning for life events, etc.) but also to address new challenges: digital money, sustainable development, professional retraining, setting up a business, etc. In 2019, 3,081 sessions were held for 50,467 trainees. They included: 17,848 young people from schools and vocational training • centers; 15,682 people receiving assistance from entities in the social • and solidarity-based economy or other social organizations; over 1,469 social workers and volunteers, mainly from the • social services divisions of associations, guardianship organizations and local governments.

All of these actions are concrete responses to the priorities of banking inclusion and the prevention of over-indebtedness. The initiatives take the form of workshops/training sessions that combine theoretical learning and practical experience. 63% covered everyday budgeting and money issues; • 25% covered banking and payment instruments; • and 12% covered issues related to credit, microloans and • excessive debt. The association is a member of the Operational Committee for National Financial Education Strategy run by the Banque de France. Its educational materials are available on the Finances & Pédagogie website and are also published on the national portal “Mes questions d’argent” (My questions about money). It is also accredited by the French Ministry of Education. Its key teaching materials are validated and incorporated in the educational library of the INC (French National Consumer Institute). Finances & Pédagogie works closely with over a thousand different public, private and non-profit partners all around the country.

77

UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE