Groupe La Poste // CSR REPORT 2022

Supporting financially vulnerable people 3 PROMOTING SOCIAL INTEGRATION ■

3.3 SUPPORTING FINANCIALLY VULNERABLE PEOPLE La Banque Postale is committed to making banking and insurance services accessible to all. La Banque Postale is the only bank to have been entrusted with the banking accessibility mission (1) , with a public service agreement renewed for 2022-2027. Accordingly, La Banque Postale undertakes to treat all people with consideration, regardless of their situation, and offer them appropriate banking services and solutions.

■ 2.3.3.3.2 Micro-credit, an alternative for customers not eligible for traditional credit; ■ 2.3.4 Assistance to financially vulnerable people. La Banque Postale develops and implements specific actions, in particular a microloan offer , an early detection system of vulnerability , the L’Appui system and Action Tank Entreprise et Pauvreté . In terms of insurance, La Banque Postale and CNP Assurances support customers and social and societal changes by: ■ combating non-insurance by working in partnership with “Crésus” to develop educational tutorials for retail customers; ■ contributing to discussions on dependency and longer life expectancy. CNP Assurances supports the idea of universal long-term care coverage to maintain autonomy and support for caregivers. It is part of a public-private partnership, in particular following the announcement by the French government in 2020 of the creation of a fifth branch of the French Social Security Administration dedicated to autonomy (see CNP Assurances website https://www.cnp.fr); ■ offering targeted assistance and prevention services through its subsidiary Filassistance International. Its “Golden Age” services to individuals network and its Lyfe digital platform offer health, well-being and ageing well services. For more information, see Section 2.3.6 “Responsible insurance products” of La Banque Postale’s Universal Registration Document.

It must also prevent over-indebtedness and promote microcredit . La Banque Postale is working to inform and raise awareness of financially vulnerable customers. In particular, it offers access to modern and inexpensive means of payment as well as local services. It develops citizen banking products by facilitating home-ownership for low-income households, through loans adapted to the means of modest people. La Banque Postale welcomes 1.6 million customers in financial vulnerability . They are separate from the 1.4 million beneficiaries of the banking accessibility public service mission entrusted to La Banque Postale. The definition of financially vulnerable customers is set by regulatory criteria (Article R. 312-4-3 of the French Monetary and Financial Code), some of which, more generic, must be specified by the banks themselves. The criteria used by La Banque Postale to define financially vulnerable customers are described in Section 1.5.1 “Bancassurance France” of La Banque Postale’s Universal Registration Document. In said section, the reader will also find the actions implemented by La Banque Postale to support these customers, in particular in the following sections: ■ 2.3.3.1.2 A dedicated system for customers with special needs (protected minors and adults); ■ 2.3.3.1.3 Facilitating access to services for persons with disabilities;

SDG

Indicator

Scope

Unit

2020

2021

2022

MAKE BANKING SERVICES ACCESSIBLE

Livret A savings accounts holding assets of less than €150

La Banque Postale La Banque Postale La Banque Postale

%

49

50

50

Customers supported by L’Appui (budget support)

Number

29,870 33,303

30,121

Personal microcredits disbursed (including housing microcredit)

Number

1,027

1,203

1,200

(1) See Chapter 2, Section 2.3.3.1.1 “La Banque Postale’s accessible banking mission” of La Banque Postale’s 2022 URD.

56 CSR Report 2022/ LA POSTE GROUPE