BPCE - 2020 Universal Registration Document

NON-FINANCIAL PERFORMANCE STATEMENT

SUPPORTING THE ENERGY, ECOLOGICAL AND SOCIAL TRANSITION IN LOCAL REGIONS

SUPPORTING HOUSEHOLDS IN THEIR PROJECTS Groupe BPCE supports its customers in their search for energy savings and responsible protection. Financing energy renovation projects Groupe BPCE works on a daily basis to enable its customers to take action to improve the energy efficiency of their homes. In 2020, the Group is the third largest contributor in France to the distribution of Eco-PTZ in France. One in four individual Eco-PTZs is carried out by the Banque Populaire and Caisse d’Epargne networks. The Group also plays a major role in the renovation of condominiums, being one of the only two establishments, via Caisse d’Epargne Ile-de-France, to distribute the Eco-PTZ condominiums. In addition to the Eco-PTZ, the networks distribute loans specifically dedicated to energy renovation work (PREVair for the Banques Populaires, Crédit DéveloppementDurable Travaux for the Caisses d’Epargne). The renovation offer of each of the networks will evolve in early 2021. Insuring ecological projects Through Natixis Assurance’s expertise, the Multirisque Habitation policy for private individuals covers buildings with a “green” trend without additional premiums: timber frame houses, thatched roofs, as well as the coverage of renewable energy production equipment. In all plans, an “Ecologique A+” retrofit is planned for movable assets covered in the event of a claim.

In addition, policyholders benefit from support services to achieve energy savings, in particular by having access to a network of RGE certified craftsmen (Recognized Guarantor of the Environment: qualified professionals for energy renovation work). Operational Liability and Professional Liability policies cover the financial consequences of liability incurred as a result of accidental damage to the environment ( e.g. contamination of soil, water, and air; damage to protected species and habitats). Supporting access to soft mobility Groupe BPCE networks have adapted their offers to support the transition to soft mobility. The Multirisque Habitation contract offers an option to insure newmeans of urban transport: electric bicycle, electric scooter, gyropod, etc. The new Auto Banque Populaire and Caisse d’Epargne products cover all types of “green” vehicles (hybrid, electric, LPG) and offer a specific price for electric vehicles (up to -30%) and small-wheeled vehicles (reduction of up to 10% if they travel less than 8,000 kilometers). Finally, to encourage responsiblebehavior, an eco-driving course (fuel-efficient driving) is organized once a year. Natixis Assurances is also committed to limiting the consumption of resources: when it comes to insurance of multimedia devices, Natixis Assurances favors repairs to replacement whenever possible. In the event of a replacement, the policyholder is offered a refurbished device rather than a new refit. At the end of 2020, Natixis Assurances began a project on the use of re-used parts after a car accident, with the aim of developing, in 2021, a test in conjunction with the networks of experts, garages and scrap yard-recyclers.

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GREEN FINANCING PRODUCTS MARKETED BY THE BANQUES POPULAIRES AND THE CAISSES D’EPARGNE: PRODUCTION

2020

2019

2018

Number Outstandings

Number Outstandings

Number

Production

in thousands of euros

Regulated green loans (outstandings in euros) PREVair (loans backed by LDD deposits) and CODEVair Ecureuil Crédit DD (loans backed by LDD deposits)

79

574

158

1,483

242

2,463

2,549 9,361

30,741 106,767 138,082 25,182 27,178 52,360 10,239 200,681

3,237 6,705

37,814 78,368 117,664 28,327 36,809 65,136 13,433 196,233

3,141 4,354 7,738 2,100 3,203 5,303

32,052 62,727 97,243 28,284 34,923 63,207

Eco-PTZ (interest-free eco-loans)

Total green home loans PREVair Auto (car loan) Ecureuil Auto DD (car loan)

11,989

10,100

1,510 2,084 3,594

1,955 3,290 5,245

Total zero carbon mobility loans

PROVAir

122

98

62

8,961

TOTAL GREEN FINANCING

15,705

15,443

13,103

169,411

This green financing only represents the share of specific financing distributed by Groupe BPCE. The Group is also supported through its “traditional” financing offer for home loans or consumer loans.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE