BPCE - 2020 Universal Registration Document

NON-FINANCIAL PERFORMANCE STATEMENT

PUTTING OUR COOPERATIVE IDENTITY TO WORK FOR REGIONAL DEVELOPMENT

ECOSYSTEM DIAGRAM Our economic model The strength of our model derives from: our cooperative, decentralized structure, with 29 regional • banks; known brands (Banque Populaire, Caisse d’Epargne, Crédit • Coopératif, CASDEN, Banque Palatine, Oney, and Natixis). Groupe BPCE is the second-largestbanking group in France. It is also operating in 40 countries; four business lines: Retail Banking and Insurance, Retail • Banking, Asset & Wealth Management, Payments; our structure as a full-service bank with a diversified business • portfolio dominated by retail banking in France. Our business model has shown its resilience and its ability to gain market share while keeping risks under control. Groupe BPCE draws on different resources to conduct its businesses: human resources refers to: • talent, our ability to attract, develop and retain it, and to – manage our teams,

the relationships we maintain with our customers and our – cooperative shareholders and, more generally, with all our stakeholders; financial resources, corresponding to: • the Group’s own funds, consisting of retained earnings and – inflows from the cooperative shares issued by the Banques Populaires and the Caisses d’Epargne, deposits and savings inflows, – market funding, – for our subsidiary Natixis, own funds arising from the share – capital provided by shareholders. The quality of the its fundamentals (solvency and management), as reflected in its top financial ratings, allows Groupe BPCE to develop its business activities. Intangible assets means all of Groupe BPCE’s own • methodologies and processes for carrying out its business.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

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