BPCE - 2020 Universal Registration Document

APPLYING CSR IN THE ENTITIES, BUSINESS LINES AND PROCESSES NON-FINANCIAL PERFORMANCE STATEMENT

structuring mechanisms dedicated to: • skills sponsorship, – action plans targeting vulnerable customers, – dialog with stakeholders, – ethics, principally by defining behavioral values and – standards and publishing a code of conduct; the involvement of company directors and employees: – ongoing training on CSR and the cooperative structure; group communication and visibility on CSR: establishing an – internal and external communication plan focused on CSR, and incorporating CSR in financial communications.

The strategic plan came to an end on December 31, 2020. The results are detailed in 2.3, Supporting the ecological, energy, and social transition in local regions, 2.4.2 Responsible internal and external practices, and 2.4.3, Looking after our employees. In addition to tracking several existing projects from a quantitative standpoint, the Group had undertaken to complete the following projects by end-2020 underthe TEC 2020 strategic plan, in conjunction with the federations: measuring the impact of Groupe BPCE institutions on the • economic landscape of their regions, while developing accurate teaching tools and programs; incorporating ESG criteria into risk policies and publishing • sector policies on Group activities;

OUR ACHIEVEMENTS IN 2020

2020 achievements

Strategic projects

Measure and promotion of the local socio-economic footprint 1.

Harmonization of processes across the two networks: money flows (savings/loans), distribution of value (regional approach), publication in the non-financial performance statement. Completion in 2019 of seven socio-economic footprint studies based on 2018 data, calculating direct and indirect impacts and those generated by the business activity. A study of the cumulative impact of the two networks, for the Caisse d’Epargne network, for the Banque Populaire network, and for Caisse d’Epargne Aquitaine Poitou-Charentes, Caisse d’Epargne Grand Est Europe, Banque Populaire Aquitaine Centre Atlantique, and Banque Populaire Val de France. Creation of a database as of December 31, 2018 to measure the socio-economic footprint of all the Banques Populaires and the Caisses d’Epargne. Training and awareness courses on the distribution of SRI funds organized by Mirova for the Banque Populaire and Caisse d’Epargne networks. Work under way to improve transparency and measure the impact of passbook savings accounts. Monthly survey to measure payment terms in the Group’s banks; creation of a working group to identify, share and implement best practices. Platform for promoting services outsourced to companies working with persons with disabilities by Group entities and services and suppliers that meet CSR criteria. Communication on the impact of regulatory developments for purchases from companies working with persons with disabilities. “Responsible Supplier Relations and Procurement” certification for 14 banks: BPCE SA, BP Sud, CE Hauts de France, BP Grand Ouest, BP Rives de Paris, CE Bretagne Pays de Loire, CE Grand Est Europe, CE Ile-de-France, CE Midi-Pyrénées, CE Aquitaine Poitou Charentes, CE Rhône Alpes, CE Côte d’Azur, BP Alsace Lorraine Champagne, and BP Méditerranée. Integration of expanded criteria for identifying financially vulnerable customers, and implementation of quarterly reporting to the OIB. Majority deployment, in the banks, of structures dedicated to receiving and handling specific customer issues. Revision of predictive scoring for identifying the risk of over-indebtedness. Working groups to produce an action plan for reducing our emissions in procurement, transport and responsible digital practices. Participation in the first Digital CleanUp day. Employee training in responsible digital technology.

Responsible savings 2.

Development of responsible purchasing 3.

Inclusive finance 4.

Reduction of direct environmental impacts 5.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

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