BPCE - 2020 Universal Registration Document

NON-FINANCIAL PERFORMANCE STATEMENT

SUPPORTING THE ENERGY, ECOLOGICAL AND SOCIAL TRANSITION IN LOCAL REGIONS

URBAN MOBILITY

An innovation facilitating urban mobility: deployment of contactless payment services This service allows travelers to use their contactless payment medium in several forms (payment card, smartphone, connected watch, etc.) as the ticket to an entire mobility network. In doing so, it facilitates access to public transport, encouraging its use while giving the network a modern image. Caisse d’Epargne relies on the electronic banking expertise of Natixis Payments (the payment operator of Groupe BPCE) in charge of transaction acquisition, and on Worldline’s expertisein Open Payment. The service was rolled out in 2020 with the Caisse d’Epargne Rhône Alpes on the Lyon Public Transport network (TCL): metro lines, tramways, buses, funiculars, and park-and-ride facilities. With Caisse d’Epargne Provence-Alpes-Corse, Open Payment is also gradually being rolled out on the Aix-en-Provence bus network, with the aim of a roll-out to the entireLa Métropole Mobilité network of the Aix-MarseilleProvence metropolitan area.

SUSTAINABLE AGRICULTURE With the aim of supporting the transformation process in agriculture towards a sustainable agricultural model that feeds the populationwith high volumes of high-quality food, preserves landscapes, biodiversity and resources, and also promotes decent working conditions and contributes to the health of the local economy, Banque Populaire launched the “Agri-Acting” movement in 2020. The principle of the Agri-Acting movement is to bring value to farms, farmers and agriculture through the implementation of offers and services, such as the establishment of loans counter-guaranteed by the EIF (European Investment Fund) known as INAF (National Initiative for French Agriculture). The Agri-Acting movement contributes to the preservation of resources by encouraging clean investments, the production of renewable energy (biogas, photovoltaic, hydraulic) as well as investments related to the limitation of energy consumption (fuel oil, electricity) and water. ISSUANCE POLICY Groupe BPCE’s sustainable development bond program, initially published in 2018 and updated in April 2020, enables the issuance of green bonds and social bonds that align financing activities with the requirements and missions of sustainable development of our organization. The Group is also anticipating opportunities to broaden its current investor base by creating a scheme for investors seeking sustainable investment opportunities. The Green Bond Principles “GBP” and Social Bond Principles “SBP,” collectively referred to as “the Principles,” are used to raise capital and invest in new and existing projects with environmental and/or social benefits. The GBP and SBP, published by the International Capital Markets Association (ICMA) Secretariat, are voluntary guidelines that promote transparency and disclosure and promote integrity in the OBJECTIVES AND APPLICABLE PRINCIPLES

The actions implemented consist of: Providing international experts, corporate partners, or • webinars to support farmer clients in their transition; developing e-commerce advisory services for human • resources development solutions (PEE) to address labor shortage issues; bringing financial and economic value to the farmer and the • farm by developing Business Partner support and prescribing revenue development opportunities to our customers through partners; supporting agricultural start-ups, for example, through a • partnership with CoFarming, a grouping of start-ups aiming to promote the digital transformation of farmers to improve the efficiency of supply chains and farms. organizing and communicating about the French national • award for agricultural dynamics for 29 years, and this year, the bioeconomics trophy in partnership with the French Ministry of Agriculture and Food. development of green bond and social bond markets by clarifying the approach to issuing those bonds. These principles are intended to allow wide use by the market. They provide guidance to issuers on the main elements involved in the launch of a credible green or social bond; they help investors by ensuring the availability of the information necessary to assess the environmental or social impacts of their green bond and social bond; and they assist underwriters by moving the market towards expected disclosures that will facilitate transactions. In addition to the Green Bond Principles (GBP), Social Bond Principles (SBP) and Sustainability Bond Guidelines, Groupe BPCE closely monitors any potential changes in the regulation of the sustainable finance market, constantly striving to comply with the best market practices. BPCE intends to align its framework document, as far as possible, with the European Union standard on green bonds, in order to comply with the recommendations of the European Commission.

Groupe BPCE’s response to its investors 2.3.4

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

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