BPCE_PILLAR_III_2017

GOVERNANCE AND RISK MANAGEMENT SYSTEM Governance of risk management

Development of training programs Annual training plan for the Group risk and compliance function: ● the risk and compliance academy; Video learning module on the priorities of the annual review of ● corporate customers,in terms of sales and risk, aimed at corporate accountmanagersand branch-based corporate customer advisors; Quiz aimed at raising awareness of banking risks, called Risk ● Pursuit, designed in gaming format and available for multiple devices, including tablets.

Increased coordination and exchange of best practices Coordination of Banque Populaire network credit exposure ● managersbeginningin 2017; Oversight of change management initiatives in cooperation with ● the business lines, for example with post-AQR changes in credit procedures (2016 projects: annual review, supervision, seizure of retail collateral; 2017 projects: syndications, provisioning, home loan indicators).

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Risk Report Pillar III 2017