BPCE - 2020 Universal Registration Document



Disability and responsible procurement policy (“PHARE”) Since July 2010, when it launched the responsible purchasing and disabilities policy (Politique Handicap et Achats Responsables, or PHARE), Groupe BPCE has contributed to the professional and social inclusion of persons with disabilities by sub-contracting some operations to companies working with disabled persons.

To develop purchasers’ expertise and independence when purchasing from companies working with people with disabilities, an e-learning training course is available to the procurement function and the Group’s disability officers. Groupe BPCE currently works with over 300 suppliers in this sector who provide different types of services both directly and via co-contracting agreements.


2020 (1)

2019 (1)



Number of full-time equivalent positions in companies working with disabled persons (2019 estimate) Purchases from companies working with persons with disabilities (2020 estimate) (in thousands of euros)







The 2020 data will be available in July 2021 following the change in the regulatory calculation method. (1)

In Chap. 2.4.3, Looking after our employees – Supporting employees with disabilities, you will find additional information on Groupe BPCE’s disability policy and regulatory changes.

Reflecting pandemic and technology risks 2.4.3

A MARKET APPROACH In 2007, the Robustesse group wanted to incorporate climate, health and technological crisis scenarios into its working hypotheses, and to prepare market players in the event of such events occurring. Financial institutions regularly mobilize by participating in large-scale exercises, with the aim of testing the collective resilience of the Paris marketplace. Climatic, health and technological topics are widely discussed during these events: the power failure in 2008, the pandemic in 2009, and the Seine flood in 2010 and then in 2016. Groupe BPCE has always been present at these meetings. These environmental scenarios are integrated into the Group’s business continuity policy, which encourages Institutions to take the necessary measures to cover this type of situation. A DAILY REALITY The Group’s establishments are regularly confronted with climatic, health or technological events of varying magnitude, whether of a national scope, such as the snow events of 2010, 2013 or 2018, the Xynthia storm in 2010, or the preparation for the occurrence of a pandemic in 2009; lesser in geographical scope, such as the recurring flooding in the southeast, or the flooding of the Seine in 2016 and 2018; or very localized, such as the industrial incidents at AZF in Toulouse in 2001 or at Lubrizol in Rouen in France in 2019, the pre-alert during the Marcoule nuclear power plant incident in 2011, or the Brétigny rail incident in 2013, which disrupted the daily lives of Group employees. These examples retrace the impacts for mainland France, to which should be added recurring, violent weather events often coupled with technological impacts in the French Overseas Territories, and some notable events for establishments abroad. CONSIDERATION OF THESE RISKS IN THE BUSINESS CONTINUITY POLICY

The update of the policy, at the beginning of 2019, reinforces this requirement by imposing a systematic risk analysis, necessary to identify the exogenous factors depending on the place of exercise of the activities. A COMPLETE TOOLBOX The Group has created a documentary base that it constantly reinforces and updates, consisting of plans and reflex sheets. The first version of the influenza pandemic plan dates back to 2008; the current version will be enriched by the lessons of the current crisis. Reflex sheets are also made available to establishments in the Group’s crisis management tool. In 2019, reports were produced on the heatwaves, electrical blackouts, earthquakes, sudden floods and storms. Documents specific to ultra-marine areas are also available on cyclones and typhoons. The year 2020 was devoted to adjusting and reinforcing the files relating to the treatment of a pandemic situation and add the extreme cold file. Fact sheets should soon be available on the topics of industrial risks and nuclear, radiological, biological and chemical (NRBC) threats. Almost all institutions have incorporated all or part of this information into their business continuity system. In addition, the Group has set up a geographical information system, deployed for the first time during the preparation of the fiscal year in 2016, on the Seine flood. This tool, controlled by the Group’s business continuity, was gradually used to understand the different types of risk by comparing the official maps of the regional and interdepartmental departments of the environment and energy with the map of the Group’s locations. The risks analyzed cover climate risks (flooding, earthquakes, etc.)and technological risks (seveso zone, nuclear exclusion zone, etc.).



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