BPCE_REGISTRATION_DOCUMENT_2017

SOCIAL, ENVIRONMENTAL AND SOCIETAL INFORMATION Sustainable development built on our cooperative identity

COOPERATIVE INDICATORS: GOVERNANCE AND DIRECTOR TRAINING ➡

Change 2016-2017

2017

Banque Populaire banks

2016

2015

Governancebodies Numberof membersof Boardsof Directors

242

250

255

(3%)

Directorattendancerate atBoards ofDirectors meetings (as a %) Percentage ofBoardmembers who arewomen (as a %) Percentage ofBoardChairmen and Vice-Chairmenwho arewomen Director training Boards ofDirectors:percentageof memberswho took at least one training course over theyear (as a %) Boards ofDirectors:averagenumberof training hours per person The Banque Populaire banks shine the spotlight on their difference as a cooperative banking structure The Banque Populaire banks celebrated their 100 th anniversary in 2017, marking their 100 th year operatingas a network of cooperative, responsible banks. Opportunitieswere taken throughout the year to emphasize the strength of their banking model through a series of events organized across the French regions. Also in 2017, the cooperativeshareholderand CSR Committeeof the Fédération nationale des Banques Populaires (FNBP) set a project in motion to highlight the cooperative difference of the Banque Populaire banks, featuring the launch of the very first “Faites de la Coopération” event at the Banque Populaire banks. This week-long event was created as a way to raise awareness and promote discussions centered around the Banque Populaire cooperative banking model, taking place during Social and Solidarity-Based Economymonth in November. Since 2011, the Banque Populaire banks have used a specializedtool to inform their cooperativeshareholdersof their actions in the areas of societal and cooperative responsibility.Inspired by the ISO 26000 CSR standard, the CSR & Cooperative Dividend identifies and measures the value in euros of the initiativestaken by each bank for the Banque Populaire network’s main stakeholders: its cooperative shareholdersand directors,employees,customersand civil society. Its aim is to measure the “cooperative edge” offered by the Banque Populairebanks.

83% 42%

82% 34% 11%

83% 33% 13%

1%

24% 41%

15.5%

(as a %)

58%

39% 3.85

34%

49% 45%

5.6

NA

companies (LSCs), which form an intermediate layer that helps strengthen each bank’s local roots and relationships. In 2017, the Caisses d’Epargne continued their initiatives to involve their cooperative shareholders in the life of their bank. The cooperative shareholders are key stakeholders in the Caisses d’Epargne, which provide them with dedicated information and communication channels including in-branch information points, a dedicated website (www.societaires.caisse-epargne.fr),newsletters and conferences hosted by Caisse d’Epargne experts. These various channels provide cooperative shareholders with regular updates on their Caisse d’Epargne, information on how to get involved, and regional and national news in general. Some Caisses d’Epargne consult their cooperative shareholders and organize shareholder events, including exclusivemeetings and shareholder clubs. The Caisses d’Epargne also provide support to the cooperative shareholder representatives, LSC directors and Steering and Supervisory Board members. Training is a key component of the action taken by the Caisses d’Epargneto allow the representativesof their cooperativeshareholdersto carry out their mandate in full and contribute actively to their governance. The training offer covers a broad rangeof topics: the director training program focuses on learning the identity and ● history of the Caisses d’Epargne, CSR, and acquiring a strong foundation of general banking culture; for members of Boards of Directors and Supervisory Boards, initial ● regulatory training tackles the five areas established by Decree: governance, regulation, risks and internal control, strategy, and finance; for the Specialized committees, nationwide training courses are ● offered to the Risk Committees and Audit Committees. In 2017, two new trainingtopics were featured:digital trainingand a focus onemergingrisks, including climate risks.

6

CAISSES D’EPARGNE

At the end of 2017, Groupe Caisses d’Epargne had nearly 4.8 million cooperativeshareholders,the majority of them individual customers. Cooperative shareholders are represented by 228 local savings

519

Registration document 2017