BPCE_REGISTRATION_DOCUMENT_2017

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

Our vision and ambitions By defining CSR as the core of its TEC 2020 strategy, Groupe BPCE reaffirmed its determinationto be a responsible bancassureur in its operationsand businessrelations,and to embraceits role as the No. 2 creditor of the Frenchnational (1) and regional economy. Our cooperative banking model sets the unique tone for our CSR commitments: a different relationship with the regions: regional roots, close ● relations, solidarity,shareddestiny; a relationshiptailored to key life milestones:supportingcustomers ● over time with an intergenerational vision. This vision is reflected infour strategicpriorities: being the cooperative banking and insurance group with the ● greatest commitmentto its customers and the regions; being aleadingbank ingreen, responsible growth; ● consolidatingthe group’s cooperativeand CSR commitmentsin its ● internal practices;

leadingby example inits stakeholder relations. ●

Our goals, initiatives and monitoring indicators for 2018-2020 The 2018-2020 CSR strategy, validated by the Management Board and presentedto the Groupe BPCE Steering and SupervisoryBoard, is designed to be: consistentwith the strategyof each brand and the initiativesof the ● group entities; comprehensive,based on the four pillars of CSR: economy, society, ● environment and labor relations;

deeply rooted inour cooperative banking DNA; ● around collective values,actionsand ambitions. ●

From a practical standpoint,this strategy is rolled out through four commitments(economic,societal, environmentaland social) and two cross-disciplinaryapproaches(coordinationand oversight)that confirm the group’sdeterminationto “take adifferentapproach to CSR.”

Driving economic development in local regions

Promoting responsible procurement

Financing a more responsible economy

E C O N O M I C P O L I C Y

Fostering wellbeing in the workplace

Being an active patron

C O O P E R A T I V E

&

V A L U E S

E T H I C S

S O C I E T A L P O L I C Y

• M O B I L I Z A T I O N • S T E E R I N G • P O L I C Y E N V I R O N N E M E N T A L Groupe BPCE CSR Policy

S O C I A L P O L I C Y

Facilitating access to our services

Being a diversified Group

Enhancing employee value

Talking with our stakeholders

Reducing our direct impact

Protecting the environment through our activities

Oversight of Groupe BPCE’s CSR strategy To be in sync with the bank’s new TEC 2020 strategic plan, CSR objectives and indicators were defined in 2017 with the goal of meeting its new CSR priorities for 2018-2020while drawing on the work alreadyaccomplished through the 10CSR projects.

It should be noted that regular reviews (at least twice a year) on CSR initiativesare performedby the Cooperativeand CSR Committeeand presented to the Groupe BPCE Steering and Supervisory Board,

21.1% market share on loan outstandings, all non-financial sector customers (source: Banque de France – Q3 2017) (1)

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Registration document 2017