BPCE - 2020 Universal Registration Document

NON-FINANCIAL PERFORMANCE STATEMENT

PUTTING OUR COOPERATIVE IDENTITY TO WORK FOR REGIONAL DEVELOPMENT

COOPERATIVE INDICATORS: COOPERATIVE SHAREHOLDER BASE

Change 2019-2020

Banques Populaires

At 12/31/2020

At 12/31/2019 (1)

At 12/31/2018

Number of cooperative shareholders (in millions)

4.72 33%

4.58

4.44 33%

3.1%

Percentage of cooperative shareholder customers (as a %) (1) Average value of shares held per cooperative shareholder (in euros) TS-I (delta between the ratio of highly satisfied customers to totally dissatisfied customers) (3)

33% (2) 3,269 (2)

0%

3,269 (2)

2,235

28

22

18

31%

Excluding BRED, CASDEN, and Crédit Coopératif. (1) Data at the end of December 2019. (2) Data from the BP & CE individual customer satisfaction survey. (Internal source: Group (excluding Crédit Coopératif and CASDEN) Customer Research division). (3)

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COOPERATIVE INDICATORS: GOVERNANCE AND DIRECTOR TRAINING

Change 2019-2020

Banques Populaires

2020

2019

2018

Governance bodies Number of members of Boards of Directors

221

225

225

(1.78%) 5.50% 14.47%

Director attendance rate at Board of Directors Meetings (as a %) Percentage of Board Members who are women (as a %) Percentage of Board Chairmen and Vice-Chairmen who are women (as a %) Director training Boards of Directors: percentage of members who took at least one training course over the year (as a %)

89%

85%

83% 44% 19%

46.4%

45.5%

28%

24%

17%

53%

77%

83% 11.6

(30%) (52%)

Boards of Directors: average number of training hours per person (1)

4.3

9.3

2018 data including Audit Committee training courses. (1)

THE CAISSES D’EPARGNE The Caisses d’Epargne have formulated various areas for strengthening and affirming their cooperative model as part of the 2018-2020 CSR & Cooperatives Guidelines. Several targets were set as part of the “Active Cooperation” initiative, including rebalancing the cooperative shareholding age pyramid, promoting cooperative shareholding to employees to make them ambassadors of the cooperative model, and lastly, involving members in local outreach via the cooperative shareholder portal. At the end of 2020, the Caisses d’Epargne had 4.417 million cooperative shareholders, the majority of whom were individual customers. The representation of cooperative shareholders is organized by means of 208 local savings companies (SLEs). They are an intermediate step in encouraging the cooperative shareholders’ local presence, close relationship, and feedback. In 2020, the Caisses d’Epargne continued their efforts to get their cooperative shareholders more involved in the life of their bank as key stakeholders. They took action to ensure they had access to their services and kept them informed during the health crisis. They provide them with dedicated information and communication channels, information points in branches, newsletters, and meetings led by Caisse d’Epargne experts. As for the site www.societaires.caisse-epargne.fr,it has undergone a complete overhaul to evolve into a single portal for information and access to the cooperative shareholders’ club, which offers them benefits. This new portal is deployed in all Caisses d’Epargne. These channels provide cooperative shareholders with regular updates on what is happening at their Caisse d’Epargne, as well as regional and national news in general. Some Caisses d’Epargne consult their cooperative shareholders and organize shareholder events such as web conferences. Some Caisses d’Epargne have also implemented initiatives to raise employee awareness of the cooperative model, in particular during the

welcome days for new employees, in order to strengthen and rejuvenate cooperative shareholding. For more information: https://www.federation.caisse-epargne.fr/des-actions-responsa- bles/societariat/#.X60WG1DZCUk . As part of the cooperative governance of the Caisse d’Epargne network, the Fédération Nationale des Caisses d’Epargne (FNCE), in conjunction with BPCE and the Caisses d’Epargne, supports and trains elected representatives in the exercise of their mandate through a dedicated training system. Training programs are designed for directors of local savings companies, members of the Steering and Supervisory Boards (COS), and members of specialized committees. Each audience benefits from a training offer adapted to their office: for directors: a welcome seminar focuses on the identity and • history of the Caisses d’Epargne, CSR and the Group’s business lines. Training is provided to deepen this initial foundation throughout the term of office. General banking culture and digital topics supplement the ongoing training system; for members of Boards of Directors and Supervisory Boards, • initial regulatory training tackles the six areas established by decree: governance, accounting and financial information, banking and the financial markets, legal and regulatory requirements, risk management and internal control, and strategic planning. In-depth training is offered throughout the term of office; for the specialized committees, training courses are offered to • members of the Risk, Audit, Appointments,and Remuneration Committees. In 2020, videoconferencing training sessions were organized, taking the health situation into account. The distance learning system was supplemented by a wide choice of online training courses, videos, quizzes and fact sheets.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE