BPCE_REGISTRATION_DOCUMENT_2017

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

COOPERATIVE INDICATORS: COOPERATIVE SHAREHOLDER BASE ➡

Change 2016-2017

At 12/31/2017

Caisses d’Epargne

At 12/31/2016

At 12/31/2015

Numberof cooperativeshareholders (millions)

4.76 24%

4.84 23%

4.91 20%

(2%)

Percentage ofcooperative shareholdercustomers (as a %) (1) Average amountof sharesheld per cooperativeshareholder (in €) (2) Customer satisfaction rate (percentage ofvery satisfied customers– percentage of dissatisfied customers) (3)

3% 8%

2,873

2,654

2,555

2.8

NC

NC

NC

Naturalpersonsonly (customersand cooperativeshareholders).Averagefigure for the Caissesd’Epargne. (1) Figurescalculatedbasedon total “numberof customers”and “outstandingcooperativeshares”;naturalpersonsonly. (2) Data from the BP & CE individualcustomersatisfactionsurveycoordinatedby the GroupCustomerResearchdivision. (3)

COOPERATIVE INDICATORS: GOVERNANCE AND DIRECTOR TRAINING ➡

Change 2016-2017

2017

Caisses d’Epargne

2016

2015

Governancebodies Numberof membersof Steeringand Supervisory Boards Directorattendancerate atSteering and SupervisoryBoardMeetings (as a %) Percentage ofSteeringand Supervisory Boardmembers who arewomen (as a %) Percentage ofSteeringand Supervisory BoardChairmen and Vice-Chairmen who arewomen (as a %) Director training Steeringand Supervisory Boards:percentageof members whotook at least one training course over the year (as a %) Steeringand Supervisory Boards:averagenumberof training hours per person CSR Guidelines The Caisse d’Epargne CSR Guidelines for the 2014-2017 period include six fields of action, in keeping with ISO 26000 guidance: governance,products and customer relations, employee relations and workplace conditions, procurement and supplier relations, environment,and societal engagement.Within these fields of action, 29 prioritieswere defined (1) . In 2017, Fédération nationale des Caisses d’Epargne began preparations to establish the CSR and cooperative guidelines for 2018-2020, by gathering feedback from stakeholders, analyzing stakes and challenges,and collectivelybuilding four key ambitions: local footprint:being a key contributorto the transformationof the ● regionsand the local economy;

307

307

307

0%

93%

94%

92%

(1%)

44%

39%

37%

13%

27%

20%

20%

81%

96%

91%

(16%)

10

8

NA

25%

active cooperation: encouraging employees and cooperative ● shareholders to become “cooperative players”; societal innovation: anticipating the needs of society in order to ● build progressive solutions; global performance:furtheringthe continuousimprovementof CSR ● policies and their incorporation in all business lines for greater impact. These four ambitions,broken down into 11 objectives,set a common framework in which each Caisse d’Epargne, operating as a fully-fledgedcooperativebank, defines its own CSR strategydesigned to meet the needs and expectationsof the stakeholders.The existence of this shared framework facilitates the exchange of best practices and achievementof common goals, while respecting the cooperative structure of theCaissesd’Epargne.

To learn more: http://www.federation.caisse-epargne.fr/assets/CE_OrientationsRSE2014-2017/index.html?preventcache=true. (1)

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Registration document 2017