BPCE - 2020 Universal Registration Document

GROUP PROFILE A GROUP MORE COMMITTED THAN EVER

Acting responsibly and sustainably for society

In keeping with Groupe BPCE’s cooperative values, social and environmental responsibility is at the heart of its business as a banker and insurer. For several years, the Group’s companies have been committed to more inclusive finance, a more sustainable and environmentally friendly society. The current period invites us to accelerate this dynamic. In this context, the Group is strengthening its commitments in all areas and making CSR a strategic priority.

SUPPORTING THE ENERGY AND ENVIRONMENTAL TRANSITION • Support for our customers in the transformation of their way of life (energy renovation, soft mobility) and their business models; valuing their social or environmental commitment with innovative and virtuous financing mechanisms (social and environmental impact loans), • Renewable energy expertise: €10bn in f inancing outstandings granted, • Mobilization for the financing of a more sustainable economy : €6.6bn in outstanding Green, Social and Transition bonds issued by Groupe BPCE. STEERING SAVINGS TOWARDS A MORE RESPONSIBLE ECONOMY • A historical leader in socially responsible investment and solidarity savings with €140bn in outstandings, • Promote innovative savings and investment solutions : green bond for individual customers, retirement savings, and social engineering.

INCORPORATE ESG CRITERIA INTO OUR FINANCING AND ASSET MANAGEMENT ACTIVITIES • Signatory to the Equator Principles since 2010, • Integration of ESG criteria in sector risk policies , • Reinforcement of fossil fuel exclusion policies : schedule for the total phase-out of coal, exit from financing for shale oil & gas exploration and production projects, • Integration of ESG criteria in the investment decisions and voting policies of asset management affiliates. FOLLOW A TRAJECTORY COMPATIBLE WITH A SECOND SCENARIO • Work on measuring the carbon footprint and aligning portfolios with the Paris Agreements, • Natixis Assurances is in line with its objective of aligning the investment portfolio with the Paris Agreements by 2030.

Support for the Sustainable Development Goals (SDGs)

The SDGs constitute a reference framework for all actions carried out by Groupe BPCE as part of its CSR policy: nine priority SDGs are positively impacted by the Group’s actions in its businesses and operations.

Increase in non-financial ratings at 12/31/2020

The Group’s greater integration of environmental, social and governance factors into its strategy and operations is recognized by non- financial rating agencies. Groupe BPCE is one of the best-rated banks.

64/100 AVERAGE PERFORMER

60/100 (ADVANCED)

ISS ESG C-Prime

MSCI AA

V.E.

SUSTAINALYTICS

In 2020, for its first assessment by CDP, Groupe BPCE obtained an A- rating, one of the highest in the banking sector

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE