BPCE_REGISTRATION_DOCUMENT_2017

SOCIAL, ENVIRONMENTAL AND SOCIETAL INFORMATION Responsible internal practices

Management of water consumption The bank does not have a significant impact on water consumption and wastewater besides personal use in its offices and branches. However,several initiativesare in place to reduce water consumption (raising employee awareness).

a procurement policy encouraging the use of responsible paper ● (derived from recycling or sustainably managed forests, i.e. containingover 50% recycled paper or PEFC-certified( Programfor the endorsement of forest certification schemes ) or FSC-certified ( Foreststewardshipcouncil ) paper.

Change 2016-2017

2017

Indicator

2016

2015 N.C

Total waterconsumptionper FTE (m 3 )

10

10

0%

forest management:Caisse d’EpargneAquitainePoitou Charentes - manages 745 hectares of PEFC-certified forests (Landes de Gascogne natural park). In 2017, it planted 13.4 hectares in the Lubon forest and 6 in the Matoucat forest; Caisse d’Epargne AuvergneLimousinowns a 63-hectareforest in Creuse, managed by the National ForestryOffice; encouraging the procurement of responsible paper (manufactured ● using paper pulp derived from recycled paper or wood from sustainably managed forests – PEFC or FSC eco-certifications). POLLUTION As GroupeBPCE is a service-basedgroup, it is not concernedby issues relative to noise pollutionand ground use. Its offices and commercial premises often cover several floors so its ground occupancy is much smaller thanthat of an industrial activity spreadover a single level. The same is true for water, air and soil pollution,in view of the nature of the Group’s activities (with respect to greenhouse gas emissions, refer to 6.4.2 “Reducing the carbon footprint” under “Climate change”). With respect to light pollution, Groupe BPCE refers to the regulation in force since July 1, 2013 limiting light pollution, energy consumption and nighttime lighting for non-residential buildings such as shops andoffices (1) .

PROTECTION OF BIODIVERSITY Groupe BPCE contributes to biodiversity protection by: workingto promote biodiversity through: ●

partnership and patronage initiatives: Banque Populaire - Atlantique contributed € 2,500 to the Observatoire du plancton (Plankton Observatory) in 2017, Caisse d’Epargne Côte d’Azur financed the purchase of equipment for conferences on animal and habitat protection in the amount of € 2,500, Banque Populaire Méditerranée donated € 8,000 to the Centre de découverte du monde marin (Marine Habitat Discovery Center) with the aim of developing teaching, research and investigation activities in marine habitats (under water, on the water and on the coast). Lastly, Caisse d’Epargne Languedoc Roussillon sponsored initiatives to benefit waterways in France, aimed at reproducing the tree-lined passages of the Canal du Midi, preserving biodiversity and supporting the economic activity of local businesses; the installation and/or upkeep of beehives by Banque Populaire - Auvergne Rhône Alpes, Banque Populaire Rives de Paris, Banque Populaire du Nord, Caisse d’Epargne Ile de France, Caisse d’Epargne Midi Pyrénées, Caisse d’Epargne Loire Centre and Caisse d’Epargne Bourgogne Franche Comté;

6

See the Decree of January 25, 2013 establishing guidelines for non-residential lighting from offices, shops, storefronts and display windows. Source: http://www.legifrance.gouv.fr/ (1)

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Registration document 2017