BPCE - 2020 Universal Registration Document

GROUP PROFILE

A group more committed than ever

Supporting all players in the economy and supporting customers towards economic recovery

Proximity, solidarity, responsiveness and innovation—all of the Group’s companies mobilized throughout the year to find relevant solutions adapted to the needs of their customers and help them prepare for the future.

ADAPTING OUR ORGANIZATION IN RECORD TIME

ASSET & WEALTH MANAGEMENT • Launch of the NatixisAccess Series platform to help clients better understand market issues (webinars, podcasts led by economists, financial market experts and portfolio managers), • Labeling of the Mirova Dynamic Job Insertion fund , to direct savings towards economic recovery plan projects. CORPORATE & INVESTMENT BANKING • Increased commercial focus on the needs of customers in terms of financing, hedging, and investment solutions, • Greater interaction between customers and the economic research team , including sectoral focuses (Real Estate, Infrastructure, etc.) and sessions dedicated to “C-suites.” SOLIDARITY OPERATIONS ACROSS ALL REGIONS With donations of masks, financial donations, calls for solidarity to help the most vulnerable people, innovative operations offered on their collection platforms, support for individual operations at the initiative of employees and more. Mutual aid has taken many forms.

• The rise of remote working, changes in the organization of work, both to ensure continuity of service and maintain employee security, • Nearly 90% of branches open during the first lockdown, • Accelerated adoption and ownership of digital services by our customers: historical connection records, simplification of current operations, deployment of electronic signatures, etc. RETAIL BANKING & INSURANCE • Implementation of the State-guaranteed loan in just a fewdays’ time, automatic deferral of loan maturities by six months , a one-year extension of the deferred amortization of loan capital for corporate and professional customers who requested it, • Initiatives in favor of the most-affected sectors or population (public hospital sector, younger generations, nursing homes, municipalities, vulnerable customers, etc.), • Contribution of €60 million to the economic recovery plan via the“ Assureurs - Caisse des Dépôts Relance Durable France ” investment program and other market initiatives; implementation of non-contractual measures to benefit policyholders in the context of a pandemic, • Innovative payment solutions/facilities provided by Fintechs (PayPlug with sauvetonresto.com, etc.); facilitating merchants’ click & collect experience through online payments.

KEY FIGURES at 12/31/2020

€ 30 bn (193,000 loans, of which more than 80,000 signed remotely) disbursed

Branches (during the first lockdown) open 90 %

Principal active customers on digital channels 80 %

+ 43 (+3 pp vs. 2019)

Digital NPS

State-guaranteed loans

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

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