BPCE - 2020 Universal Registration Document

NON-FINANCIAL PERFORMANCE STATEMENT

SUPPORTING THE ENERGY, ECOLOGICAL AND SOCIAL TRANSITION IN LOCAL REGIONS

Two new credit lines are being negotiated with the EIB for 2021: one is intended to finance investment projects in the energy • efficiency of public infrastructure. Its estimated amount is €300 million in three tranches of €100 million;

the other, for a projected amount envisaged of • €80-€100 million over two years, is intended to finance local authority projects related to sustainablemobility, in equipment and infrastructure.

FINANCING FOR THE REGIONAL PUBLIC SECTOR, SOCIAL HOUSING, AND THE SOCIAL ECONOMY BY GROUPE BPCE

Indicators in millions of euros

Change 2019-2020

2020

2019

2018

Total annual new regional public sector loans Total annual new social housing loans Total annual new social economy loans

4,546 2,837 2,241

4,309 2,524 1,490

4,067 3,057 1,746

5.97%

(17.42%) (14.63%)

LAUNCH OF THE IMPACT LOAN In 2020, Caisse d’Epargne launched the Impact Loan, a new offer designed to promote the social or environmental commitment of its customers in the real estate and social housing sector. For each Impact Loan subscribed, the interest rate will be indexed to a non-financial social or environmental performanceobjective of its customers, and the bonus received may be paid back to a non-profit. The first Impact Loan, in the amount of €25 million, was made on October 1 by Caisse d’Epargne Ile-de-France to the Régie Immobilière de la Ville de Paris, the second largest social landlord in Paris, with 60,700 housingunits located mainly in Paris and the suburbs. Thanks to this innovative financing mechanism, it will benefit from an interest rate subsidy of 15 basis points (0.15%), once at least 20% of the housing units assigned annually from the approved housing stock are allocated to a priority public, as defined by the DALO Act (1) . The Caisse d’Epargne Ile-de-France and the Régie Immobilière de la Ville de Paris have jointly agreed to donate 50% of the

subsidy to the Fondation Abbé Pierre. FOCUS ON HEALTH ALLOCATIONS

As the leading private financier of the public hospital sector, the Caisses d’Epargne are mobilizing to meet the new challenges of the health crisis and are thus setting up a large-scale financial support plan for the public hospital sector with a special financing allocation of one billion euros. Launched in May 2020, this support plan includes cash loans that can be mobilized within 48 hours, a medium- and long-term financing offer, and, finally. a credit solution for very-long-term investment needs over periods of up to 40 years.

FINANCING INFRASTRUCTURE AND TRANSITION PROJECTS, RENEWABLE ENERGY, AND MOBILITY RENEWABLE ENERGY

on the expertise of several specialized subsidiaries, such as Grand Ouest Environnement, Hypéria Finance and BPCE Energéco. Groupe BPCE’s renewable energy outstandings amounted to €10.4 billion as of September 30, 2020. The portfolio is concentrated on solar (43%) and wind (35%), and mainly in France (56%).

Groupe BPCE is one of the leaders in renewable energy financing for all sizes of projects in France through its different entities. The Banques Populaires and the Caisses d’Epargne are key sources of financing for local projects. The two networks draw

Biogas 3 % Biomass 3 %

Banque Palatine 4 %

Other 2 %

CFF 5 %

Multiple 5 %

Financial Solutions & Expertise 12 %

Hydroelectric 10 %

Solar 43 %

Natixis 42 %

Exposures € 10.4 bn

Exposures € 10.4 bn

BP network 12 %

Natixis 42 %

CE network 25 %

Wind 34 %

(1) DALO: right to housing.

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

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