BPCE - 2020 Universal Registration Document

PRESENTATION OF GROUPE BPCE

THE GROUP’S BUSINESS LINES

Oney

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For 37 years, Oney has created payment, financing and insurance solutions adapted to the transformation of commerce, that enable millions of Europeans to improve their daily lives. As a retail partner, Oney plays a major role in supporting consumption by making it all possible: equipment needs, work and travel plans, health and education expenses, and the management of unforeseen expenses. Oney deploys an inclusive vision of its businesses, convinced that everyone has the right to consume to improve their daily lives. And because it wants to guarantee sustainable performance and act positively for society, Oney is committed to ensuring that everyone has the power to consume better. IN 2020 On the way to its goal of becoming a European leader in • split payment, Oney establishes itself in Germany, and forges new merchant and e-merchant partnerships in the seven countries where its payment solution is offered. Faced with the pandemic, Oney mobilized to ensure the • safety of its employees, with nearly 100% of teams ACTIVITY The crisis reaffirmed Oney’s strategic direction, with outstandings holding up at €3 billion. Increasing its share of digital payments:with strong growthof 40% comparedto 2019, Oney’s split payment activity leveled off during lockdownsand then remainedhigh. Oney’s market share in this activity increased significantly in all countries. Staying accessible to retailers: after the granting of in-store credit slowed down or stopped outright during the lockdown CSR To encouragebetter consumption,Oney strengthenedits role as a partner of circular economy players: the volume of purchases made with its split payment solution in the circular economy increased by 94% in France in 2020. Oney formally committedto respectingthe Paris Agreements and established its carbon reduction trajectory based on the SBTi method.

Key figures More than 550 retail partners • More than 7.7 million customers • Operating in 12 countries • 2,600 employees •

working remotely within 24 hours, to support its vulnerable customers with pro-active solutions, and its retail partners on all their channels. Oney set up a new, more comprehensive organization of • its teams to support its European development strategy.

phases, it saw a strong upturn at the end of the year, with business nearly as brisk as in 2019. Total new loans stayed resilient at -11% compared to 2019. An activity adapted to the direct market: significant decline (-29% vs. 2019) in direct credit granted in all countriesdue to the combination of limited customer demand and tightening credit conditions.

Oney took part in the society effort in the face of the pandemic through several local actions, such as donating masks and tablets to hospitals and nursing homes in France, and building a field hospital in Romania.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE