BPCE - 2020 Universal Registration Document

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PRESENTATION OF GROUPE BPCE

THE GROUP’S BUSINESS LINES

PRIVATE BANKING As the No. 3 player in private banking in France (1) , Banque Populaire accelerated its development in this market, with business in wealthy and high-net-worth customers growing over one year by more than 7.3% in 2020 and assets under management approaching €89.3 billion euros at the end of 2020. The pace of development among SME executives benefited from the installed national Private Banking system, which includes 45 Private Banking branches and nearly 200 dedicated employees throughout France. PROFESSIONAL CUSTOMERS More than 1 million professionals are customers of the BanquesPopulaires,includingnearly 60,000 since 2020. It is a Business Partner approach, combining financing, services, digital solutions, insurance, and employee savings plans, that the Banques Populaires are developingwith them to provide them and all their business ventures with daily support. As a result of the quality of customer support, the level of satisfaction increased significantly to reach a Net Promoter Score (NPS) of +6, an increase of 11 points over one year. Financing Loan outstandings reached €66.6 billion, while new medium/long-termloans amounted to €15.7 billion (including State-guaranteed loans). Sales in branches showed a clear increase (+3.2%), largely related to guidance for professional customers in implementing various government support measures (extension of maturity, State-guaranteed loan, etc.). New services A newpaymentsolutionwas rolled out in conjunctionwith the partner PayPlug, an omnichannelpayment solution that joined Natixis Payments in 2017. It enables professional and corporatecustomersto collect their revenue (up to €10 million in e-commerce revenue) by bank card on their e-commerce site. This offer completes the Business Partner range dedicated to the development of professional customers. In terms of digital technology, support was offered to craftsmen and small retailers through the provision, on the Banque Populaire website, of an acculturation and awareness-raising kit to help them develop their business.

An asset retirement advisory system, including the new individual and group savings plans for wealth management, was made available to entrepreneurial customers and SME managers. And, for the first time, Banque Populaire received an award from the magazine Mieux Vivre Votre Argent for the one-year performance of its collective management offering. 460,000 customers, +5.4% €89.3bn in AuM, +7.3% This approach is fully in line with the government’sdesire to help one million companies go digital by the end of 2021. Insurance Banque Populaire hit the 200,000-customer mark with its retirement and personal protection solutions, designed with Natixis Assurances to protect professional customers as well as their employees and families. During the second half of the year, a new personal protection offer was launched, Protection Pro+. Equipped with a fully digitized subscriptionprocess for an enhanced customer and employee experience, this solution covers the professional in the event of illness or accident. Communication Communication with customers was adapted to the health context, with various speeches to express support for entrepreneurs, welcome the “raising of the curtain” on the first day of the lift of lockdown in the spring, or recognize the essential role played by artisans and small retailers in everyone’sdaily lives. These campaignswere rolled out in the media, in the brand’s website and the social networks. 1.1 million professional customers 501,400 craftsmen and small retailers 166,000 self-employed professionals 66,500 farmers €66.6bn in loan outstandings(includingState-guaranteed loans)

(1) Private banking survey by Opinion, 2018 (published September 2019).

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

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