BPCE - 2019 Universal Registration Document

RESPONSIBLE INTERNAL AND EXTERNAL PRACTICES NON-FINANCIAL PERFORMANCE REPORT

“Activities” pillar Employees: identification of risks, implementation of mitigating measures and monitoring indicators. For the management of its employees, Groupe BPCE is aware that its first scope of responsibility lies in-house and to this end, it has a responsible HR policy covering its employees and their geographical location. For the risks incurred by its members of staff – most of whom work in France – the most relevant areas requiring attention in terms of the activities performed by BPCE and its subsidiaries are shown in the table below. These issues are already strictly

monitored under existing legislation in France, in particular the Labor Code. Groupe BPCE’s human resources management policies provide a response to the goals of achieving a fairer society and address the transformation of its business activities over time. A series of voluntary charters, agreements and operational systems ensure the protection and safety of employees in performing their duties. These topics are covered by the risk analysis performed for the non-financial performance report under “Diversity”, “Employability and transformation of jobs”, and “Working conditions”.

2

Subject

Mitigating measures

Monitoring indicator

Preventing discrimination and promoting equal opportunities for men and women

see Chapter 2.4.3, “Ensuring equality – developing gender equality, promoting diversity”

Women in management roles: 42.3% (in 2017), 42.9% (in 2018), 43.7% in 2019 Objective: 45% Female company directors: 20.4% (in 2017), 26.1% (in 2018), 26.4% in 2019 Objective: 30% The employment rate of persons with disabilities stands at 5.03% for the two networks. 4 meetings of the Group Committee 2 meetings of the Strategic Planning Committee No specific indicators at present

Promoting equal opportunities

See Chapter 2.4.3, “Equal opportunities”

Preventing discrimination against persons with disabilities Facilitating social dialog and the freedom of association

See Chapter 2.4.3, “Ensuring equality – a commitment to persons with disabilities” See Chapter 2.4.3, “Dialog with employee representatives at the Groupe BPCE level and review of collective bargaining agreements” See Chapter 2.4.3, “Improving quality of life in the workplace” See Chapter 2.4.3, “Occupational health and safety conditions and workplace accidents”

Non-compliance with legal working conditions

No specific indicators at present

Health and safety in the workplace

No data available for 2019 at present for 2018, number of absences due to workplace/commuting accidents: 1,089.

As a responsible company, BPCE ensures it applies ethical business practices by fostering a compliance culture among all members of staff through the Groupe BPCE code of conduct and ethics. This is rounded out by a responsible compliance approach implemented by Financial Security and Compliance,

covering anti-money laundering, anti-fraud and anti-corruption

systems.

This risk is reported in the non-financial performance report under “Respecting business ethics in all Group business lines”.

Subject

Mitigating measures

Monitoring indicator

Business ethics

See Chapter 2.4.1, “Prevention of money laundering and fraud”

% of employees trained in the code of conduct and ethics 84% of employees registered by their entities were trained in the code of conduct and ethics, representing 49,500 people in 2019.

Financial products and services: identification of risks, implementation of mitigating measures and monitoring indicators. Regarding the risks relating to discrimination against customers arising with the distribution of financial products and services, the topics identified are presented in the table below along with the mitigating measures applied by Groupe BPCE.

These risks are covered by the risk analysis performed for the non-financial performance report under “Financial inclusion”, “Financing the real economy and society’s needs”, and more generally, via the risks relating to lasting customer relations and customer protection and the transparency of the product offer. Risks regarding customers’ right to privacy, data protection and cybersecurity were also identified. These risks are covered in the non-financial performance report under “Data security”.

87

UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE