BPCE - 2020 Universal Registration Document

PRESENTATION OF GROUPE BPCE

HIGHLIGHTS

July 2020

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The Banques Populaires and the Caisses d’Epargne signed an and start-ups with fewer than 3,000 employees who invest in agreement with the EIF to finance loans of €75 million to innovative, adaptation or transformation projects related to the support the recovery of businesses. This new agreement aims health crisis. to facilitate access to financing for SMEs, mid-sized companies

September 2020

The Banques Populaires and the Caisses d’Epargne offer a new Individual Retirement Savings Plan (PERI), created by Natixis Assurances. Composed in the form of a multi-vehicle life insurance policy, denominated in euros and unit-linked funds, this PERI enables everyone to build up standardized retirement savings with a positive social and environmental impact.

The Banques Populaires support the recovery of their professional customers with the SOCAMA Relance Loan . This new loan, without a personal guarantee from the manager, his or her family, or a third party, is fully guaranteed by SOCAMA ( société de caution mutuelle artisanale ) and supported by the European Investment Fund (EIF).

October 2020

The Group’s rating is confirmed at A+ by the rating agencies Fitch Ratings, R&I, and Standard & Poor’s, thus recognizing the Group’s financial strength. The Caisse d’Epargne launches the Impact Loan , an offer to promote the social or environmental commitment of its real

estate and social housing customers. For each Impact Loan subscribed, the interest rate is indexed to a non-financial social or environmental performance objective of its customers, and the bonus received can be paid back to an association.

November 2020

Natixis and La Banque Postale create Ostrum Asset €590 billion through its service platform. As a result of this Management, a European leader in rate and insurance transaction, Natixis’ Asset & Wealth Management businesses management.The new entity managesmore than €430 billion in represent more than €1,000 billion in assets under assets at the end of September 2020, and manages more than management.

December 2020

Throughout the year, the Group pursued its Digital Inside strategy: 80% of the main banked customers now use digital channels (web or mobile apps), and 10 million customers logged on at least once with strong authentication branchless banking for an NPS, up three points year-on-year to +43 at the end of December 2020. Remote banking services continued to be enhanced. All loans (real estate, consumer, and professional equipment) have become omnichannel with fully digital processes. With a view to its next strategic plan, the Group is

strengthening its digital system by creating a new Innovation,

Data and Digital department.

The Group’s non-financial rating was upgraded to “Advanced” by the Vigeo Eris agency. For its first assessment by CDP (an independent international organization that works for the environmental transparency of companies and governments), Groupe BPCE obtained an A- rating, one of the highest in the banking sector.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE