BPCE - 2020 Universal Registration Document

NON-FINANCIAL PERFORMANCE STATEMENT

BEING A RESPONSIBLE GROUP IN ITS INTERNAL AND EXTERNAL PRACTICES

BRANCH ACCESSIBILITY

Change 2018-2019

2020

2019 99%

2018 87%

2017 63%

Percentage of accessible branches (2005 Disability Act) (in %)

100%

14%

SECURING THE BANKING OFFER OF PROTECTED PERSONS In France, 800,000 adultsreceive legal or social protection under a ruling by a guardianship judge. The extent of the measures that apply depends on the individual’s degree of autonomy. This affects banks for the management of protected persons’ bank accounts in conjunction with their legal representative. The Caisse d’Epargne network is the leader in this customer segment with 312,000 protected adults at the end of 2020, representing a penetration rate of 39%. Spread across the country, there are 170 experts dedicated to protected persons offering solutions that meet their specific needs. Thus, during the lockdown of spring 2020, and to respond to the difficulties encountered by these customers, the network strengthened its offering of secure bank cards for withdrawals and payment.

Legal representatives can also access a range of services to help them manage the protected person’s account. The Caisse d’Epargne also publish practical guides for representatives and legal guardians. As the Group’s number-two provider in this area, Crédit Coopératif serves 130,000 protected adult customers with services and management solutions dedicated to their situation. Crédit Coopératif maintains a relationship of trust with legal guardians and guardians’ associations. It has extended its solutions by establishing a clear distinction between the services offered to guardians and those available to the adult customers. A specific customer onboarding charter has been drafted for protected persons. It is appended to the Agreement which governs all relations between the establishment and legal representatives, concerning the use of the services provided.

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Respecting business ethics 2.4.2

THE GROUPE BPCE CODE OF CONDUCT AND ETHICS

the Group’s ethical standards in three areas: the interests of customers, employer responsibility and social responsibility, with practical business-oriented examples. The Code applies to all members of staff in all Groupe BPCE entities. In view of its specific activities, Natixis also published a code of conduct in early 2018 – a master document setting out the main guidelines to be followed by employees in their relations with Natixis’ stakeholders: its clients, teams and shareholders, as well as society at large. https://www.natixis.com/natixis/jcms/rpaz5_65439/en/code-of- conduite

Groupe BPCE adopted a “Group code of conduct and ethics” in 2018. It was reviewed by the Cooperative and CSR Committee then approved by the Executive Management Committee and the Supervisory Board. http://guide-ethique.groupebpce.fr/ The Code is rooted in international values and standards, and provides a practical guide with clear illustrative examples. It includes a message from Executive Management and sets out

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UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE