BPCE - 2020 Universal Registration Document

NON-FINANCIAL PERFORMANCE STATEMENT

SUPPORTING THE ENERGY, ECOLOGICAL AND SOCIAL TRANSITION IN LOCAL REGIONS

Since 2018, Natixis has developedgreen or sustainablefinancing ESG criteria (in the form of “RevolvingCredit Facilities,”or Green (green loans or sustainableloans), in two forms: loans earmarked RCF, called “sustainability-linkedloans” or “ESG-linked loans”). for the financing of environment-relatedprojects (in the form of 31 transactions were completed in 2020. In addition, in term loans called “green loans”), and syndicatedloans backedby 2020 Natixis organized two green REPOs for the first time.

KEY EVENT IN 2020: STRUCTURING OF A FIRST LOW-CARBON ALUMINUM FINANCING PLATFORM Natixis is committed to extending the scope of sustainable finance to all financing instruments, including trading activities. Thus, Natixis supported Trafigura in the design and structuring of a first “Low-Carbon Aluminum” type financing platform of up to $500 million. This platform was designed to meet the growing demand from downstream manufacturers for low-carbon aluminum and to help upstream producers accelerate their transition to low-carbontechnologies. The environmental transition of many industries will largely rely on the creation of a low-carbon aluminum value chain from extraction to end-use. This financing is the first step in this process, notably by mobilizing the key players in this valuechain.

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IN THEIR INVESTMENT OR DEBT ISSUANCE, INCLUDING GREEN AND SOCIAL BONDS AND EMPLOYEE SAVINGS PLANS Groupe BPCE offers green index investment solutions for the professional, corporate, institutional, and social & solidarity economy markets of the Group’s networks. In particular, ECOtréso is a debt security issued by Natixis CIB, indexed to the Climate Objective 50 Euro Equal Weight Decrement 5 index, and made up of 50 major equities in the Euro zone, selected for their commitment to the energy transition. As part of diversification, this committed offer provides customers with a responsible and sustainable investment by meeting SDGs 13 – Measures to combat climate change and 7 Clean and affordable energy.

In addition, eco-responsible financial savings investment proposals enrich the investment universe of the B2B markets with a range of SRI/ESG funds and funds of funds. To enable our clients in the professional, corporate, institutional and social economy markets to find a solution in terms of sustainable and responsible investments, Groupe BPCE provides a range of SRI-certified funds. This range draws on the expertise of Natixis IM’s asset management companies by offering a variety of asset classes that meet ESG criteria. RETIREMENT SAVINGS AND SOCIAL ENGINEERING With the employee savings and pension plans offered by Natixis Interépargne (NIE), employees of professionals, companies and institutions can benefit from investment offers that systematically include one or more ranges of ESG/SRI funds. Historically a player in this activity, NIE carries this commitment through its leadership position in these products and will continue to enhance ESG/SRI within its offers. In 2020, €2,714 million in loans were granted to social housing operators; a major partner of the public sector: €4,083 million in loans • were granted in 2020 both for investment in the local public sector and public health and for their cash flow. The Caisses d’Epargne are longstanding partners of local authorities and finance their investment projects. To better support them, Groupe BPCE regularly negotiates envelopes with the European Investment Bank (EIB) to be distributed on specific topics. Thus, in 2021 Groupe BPCE will distribute a credit facility granted in November 2019 by the EIB: Eau et Assainissement III , in the amount of €150 million. This credit line will allow the Group to finance local authority investments in water and wastewater treatment, biodiversity, flood defense systems, and curbing coastal erosion.

Supporting local regions in the transition 2.3.3

PUBLIC OPERATORS: LOCAL AUTHORITIES AND SOCIAL LANDLORDS The Banques Populaires and the Caisse d’Epargne are major sources of funding for local authorities, social housing operators and structures in the social and solidarity-based economy. Groupe BPCE is the leading financer of the social economy: non-profits, foundations, mutual insurers, social entrepreneurs and cooperative groups. Among the Banques Populaires, Crédit Coopératif makes a particularly substantial contribution to this field. Meanwhile, the Caisse d’Epargne network is: the number one private bank in the social housing sector. It is • also a social housing operator via the Habitat en Région network, which manages 290,000 housing units and 593,000 individuals. The Caisses d’Epargne are involved as partners in the governance of social housing landlords. They are on the Boards of one out of three organizations in France (public housing offices, social housing companies, cooperatives, non-profits, etc.).

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE