BPCE - 2020 Universal Registration Document

NON-FINANCIAL PERFORMANCE STATEMENT

PUTTING OUR COOPERATIVE IDENTITY TO WORK FOR REGIONAL DEVELOPMENT

GROUPE BPCE, A DIVERSIFIED GROUP SERVING THE ECONOMY AND THE REGIONS

Our value creation

Our ADN

Our strengths

Our business lines

A universal cooperative banking model serving its 36million customers

Committed and expert employees • 100,000 women and men, including 91%in France • 68,478 employees who have received training Local presence A decentralized model that favors decision- making as close as possible to its customers: 14 Banque Populaire banks and 15 Caisses d’Epargne spread throughout France Digital integration in the business lines Strong adoption of digital channels that have become essential for our customers • 10 million connected customers (1) • ≈80% of principal active customers on digital channels A strong group • CET1 ratio at 16.0% • Financial ratings of four agencies: A1/A+ • Liquidity: reserves of €307bn Strong and complementary historical brands Banque Populaire, Caisse d’Epargne, Natixis, Casden, Crédit Coopératif, Banque Palatine, Oney

Diversified business lines supporting our customers in all their projects Retail Banking & Insurance 74 % of NBI VALUE PROPOSITION Retail banking Daily support for customer projects. Long-term relationship of trust Insurance Comprehensive life and non- life insurance offer for the Group’s network customers Payments Control of flows across the entire payment value chain, enhancing the integration of Fintechs

Customers • 2 nd retail bank

• Number one bank for SMEs • €760bn in loan outstandings • €1,135bn in assets under management • €73bn in life insurance assets under management by Natixis Employees • 11,600 permanent and fixed-term hires • 44.5% of female managers Local regions • 1.6 million jobs supported thanks to the activities of the Banque Populaire and Caisse d’Epargne networks • Number one funder of the social and solidarity economy (collection and management) with €15.9bn in outstandings • Leader in personal and professional microloan financing Environment • €11.35bn of outstanding financing for the energy transition • €2.2bn green, social and bridging bonds issued in 2020 by the Group outstandings (€6.6bn at end-2020) Company • Loans guaranteed by the State: more than €30bn disbursed (approximately 193,000 loans) • Support plan for students and apprentices • Support plan for public hospitals • Increased support for the most vulnerable customers

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Participatory governance

9million cooperative shareholders elect their representatives to sit on the boards of regional banks Long-term strategy and actions Agroup committed to society, financing more than 20%of the French economy

Asset andWealth Management: 14 % of NBI VALUE PROPOSITION

Combination of an alpha- generating multi-boutique model with an industrial management platform serving large institutional investors

Corporate Banking 12 % of NBI VALUE PROPOSITION

Development of solutions based on solid industry expertise and supporting their transition

(1) at least once in strong authentication to the Remote bank.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

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