Certified Corporation - Groupe BPCE

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Certified Corporation - Groupe BPCE


Camille, Deputy Manager of the Gravelines branch, her daughter Justine, and Christophe, Premium Customer Relationship Manager, in Cap Blanc-Nez.
Certified Corporation - Groupe BPCE

           A year marked by
           our B Corp certification

Chairman of the Supervisory Board
Chairman of the Management Board

        2022 will be remembered as the year in which our         2022 was also marked by our solid financial
        bank obtained high-profile recognition in the form of    performance. In unprecedented conditions (inflation,
        B Corp certification. Since 2006, this international     interest rates, etc.), we continued to accelerate our
        label has rewarded organisations that meet multiple,     development by serving families and businesses in our
        demanding environmental and societal criteria.           region.
        B Corp certification confirms the positive impact our

                                                                                                                              “ We intend to continue
        day-to-day actions exert on our territory, whether       Our annual loan production rose 22% to €9 billion
        in terms of the environment, our engagement with         during the year. Half of these loans were devoted to

                                                                                                                              to combine ethics and
        society (employment, inclusion, patronage, etc.), our    financing family projects, while the other half served
        customers (products, services, support for the most      to fund economic agents in the Hauts-de-France

                                                                                                                              economic performance
        vulnerable), our employees or our governance.

        Deserving of trust over time                             We also confirmed our commercial dynamism in

                                                                                                                              in 2023.”
                                                                 Belgium and expanded towards the broader Benelux
        We are the only B Corp-certified bank in the             market. We intend to continue to combine ethics and
        Hauts-de-France region. Our pioneering approach          business performance in 2023, and to demonstrate
        in this area is a source of pride for the bank’s 3,000   that finance can, and must, play a major role in envi-
        employees and 350 cooperative shareholder board          ronmental and societal transformations. By doing so,
        members and we intend to continue our current            we will uphold our goal of being more than a bank.
        course in order to demonstrate that we are deser-
        ving of the trust placed in us over time.

                                                                                                    Left: Philippe Lamblin,
                                                                                                    Right: Laurent Roubin

CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                        3
Certified Corporation - Groupe BPCE

                                    Supporting families in their day-to-day needs
                                   .and projects
                                                                                                                         Advisor in the Chantilly branch

                                                                                                                                                                  Close at hand,
                                                                                                                                                                  even at distance A greener bank
                                                                                                                                                                  The Caisse d’Epargne mobile app           The ecological transition and the
                                                                                                                                                                  enables all individual customers to       fight against climate change are
                                                                                                                                                                  carry out their operations online,        major contemporary issues. Caisse
                                                                                                                                                                  from transfers to loan applications.      d’Epargne Hauts de France is
                                                                                                                                                                  Teams of phone advisors are also          engaged in this transition through
                                                                                                                                                                  available at distance, to respond to      a banking offering that comprises
                                                                                                                                                                  all customer requests. This distance      energy renovation, renewable energy
                                                                                                                                                                  relationship expanded sharply during      and green mobility financing solu-
                                                                                                                                                                  the pandemic and enabled us to            tions, as well as responsible and local
                                                                                                                                                                  incorporate the optimal degree of         investment solutions. We have also
                                                                                                                                                                  agility into our operating methods.       extended this approach by offering
                                                                                                                                                                                                            key transition partnerships, such as
                                                                                                                                                                                                            Cozynergy, an innovative solution
                                                                                                                          The Tourcoing Centre branch                                                       enabling our customers to receive
                                                                                                                                                                                                            support from professionals in areas
                                                                                                                                                                                                            ranging from energy audits to the

  1.1m                                                                                                                                                                                                      execution of transition-related works.

  active individual

  1 youngster in 4
                                                                                                                                                                                                          invested in branch
  in the Hauts-de-France                                                                        In the Beauvais branch                                                                                    modernisation
  region is a customer
                                   300 local
  40,000                           branches
  new individual clients
                                                                                                                            Investing to ensure continued
                                   1.1 million active individual cus-         Private banking advisors are available

                                   tomers place their trust in us. All        at all points of sale to respond to
                                   inhabitants of the Hauts-de-France         specific needs (investment, tax, etc.).
  of real-estate loans
                                   region are within 10 minutes of a          This proximity enables us to respond
  +17%                             Caisse d’Epargne branch in town and        precisely to the real concerns of our
                                                                                                                            Caisse d’Epargne Hauts de France continued to invest to refurbish and
                                                                                                                            update the branch network during 2022. This renovation and modernisation

                                   within 20 minutes in rural areas. All of   customers, partners, suppliers and to
                                                                                                                            work is guided by an innovative branch concept that provides our customers
                                   our branches have the skills needed        all the structures that contribute to
                                                                                                                            and staff with modern, practical, comfortable and welcoming spaces that
  insurance policies               to manage their customers’ accounts        the dynamism of our region.
                                                                                                                            showcase our brand. Our largest branches include a shared space together
                                   and insurance needs, whatever the
                                                                                                                            with a co-working area that enables staff to work on their own or in pairs.
                                   customer’s particular profile.

CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                                                  5
Certified Corporation - Groupe BPCE

                                                                                                                              for health                                 WORKING WITH
                                                                                                                              Our specialist health team designs
                                                                                                                                                                         INSTITUT PASTEUR
                                                                                                                              customised banking solutions for
                                                                                                                                                                          We are engaged with Institut Pas-
                                                                                                                              all health industry operators (health       teur in Lille on a pioneering social-
                                                                                                                              professionals, public hospitals, private    ly-beneficial operation that invol-
                                                                                                                              clinics, medical centres, etc.) and me-     ves us financing work to upgrade
                                                                                                                              dico-social establishments (retirement      offices whose rental income will
                                                                                                                              homes, specialised residences, mana-        subsequently be used to fund the
                                                                                                                              ging associations, etc.). Our broad ar-     institute’s research. Recognised
                                                                                                                              ray of solutions responds to the needs      as an institution of public interest
                                                                                                                              of this ecosystem, thanks to a sectoral     in 1898, Institut Pasteur is a private
                                                                                                                              specialisation approach that is capable     foundation that retains its financial

                                                                                                                                                                          and legal independence. It funds
                                                                                                                              of anticipating market movements. All
                                                                                                                                                                          its research projects through a
                                                                                                                              in all, 12,000 customers in the health      policy of revenue diversification.
                                                                                            Business customers                ecosystem place their trust in us.
                                                                                            and professionals                                                                               Real estate project for
                                                                                                                                                                                            Institut Pasteur in Lille
Supporting UGEPA in Moreuil

                                           Encouraging projects that feed
                                           the dynamism of the region

                                         C                                                                                    A passionate                                OUR TEAMS PRESENT AT THE
                                                aisse d’Epargne Hauts de           Our close-knit regional presence also

     €4.5bn                                     France has a major impact on
                                                the economy throughout the
                                                                                   benefits our professional customers:
                                                                                   merchants, tradespeople, members of
                                                                                                                              team for the                                TERRES EN FÊTE SHOW
                                         region. We partner and contribute         the professions and small businesses
    We devoted €4.5bn to financing       to numerous regional economic and         can find specialists contacts in all our   agricultural
    companies and small-business
    professionals in 2022. Thanks
                                         social initiatives. Our ability to make
                                         rapid decisions locally means we can
                                                                                   300 local branches.
    to our proximity to all economic     support our customers’ projects at        On a day-to-day basis, we provide
                                                                                                                              Caisse d’Epargne Hauts de France
    agents across the Hauts-de-          the right time. We support all kinds      property & casualty and personal
                                                                                                                              notably strengthened its expertise in
    France region, we played our         of projects that create or safeguard      protection insurance solutions as
                                                                                                                              the farming industry during the year.
    role of banker and insurer to        jobs or which develop the region or       part of our services for professionals,
                                                                                                                              The bank set up a specialised bu-
    the full. All in all, we supported   provide services to the population.       along with electronic payment, em-
                                                                                                                              siness centre, run by experts in close
    5,000 new customers in their                                                   ployee savings and energy transition
                                                                                                                              contact with farmers out in the field.
    business creation/acquisition        Banking advisor to                        financing solutions in our role as
    projects, development initiatives    companies and                             all-round partner working to help our      The specialist team supports a di-
    and private projects.                small-business                            customers grow their businesses.           verse range of agricultural operations
                                         professionals                                                                        embracing field crops, polyculture
                                                                                   And in more difficult moments, our         and livestock, and provides solutions      The Terres en Fête agricultural show took place at Tilloy-lès-Mofflaines in June.
                                                                                   legal bank takes over the mantle by        for the professional and private needs     After a three-year hiatus, the biggest agricultural show north of Paris
                                         Each euro deposited with us is
                                                                                   supporting business proprietors with       of farmers in France’s foremost agri-      returned to set a new record, with no less than 85,000 professionals and
                                         reinvested in the region in order to                                                                                            individual visitors attending. The specialists on the Caisse d’Epargne Hauts de
                                         support businesses in all phases of       dedicated solutions.                       cultural region. From set-up to trans-
                                                                                                                                                                         France’s Team Agri were also proud to run the bank’s first-ever stand at the
                                         their development. We deliver our                                                    mission and including development,         event. During the three days, the team welcomed customers, future customers
                                         expertise within the framework of                                                    diversification and optimisation,          and partners, engaging in rich discussions and receiving highly positive feed-
                                         strategic dialogue with company                                                      Caisse d’Epargne Hauts de France           back on the work done to support the farming community. And during a pre-
                                         managements, with the particular                                                     finances farms over the medium and         lunch apéritif on the Saturday, featuring local products made by our customers,
                                         objective of supporting them in their                                                long terms.                                the team had the chance to share and exchange with their farming customers
                                         energy and environmental transition.                                                                                            in a relaxed manner.

 CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                                                            7
Certified Corporation - Groupe BPCE

                                        Supporting innovation

                                                ur teams are organised to         expansion purposes and guaranteed by

                                                support innovative start-ups      the European innovation fund.
                                                that need to raise funds to
                                        develop their business. We have set
                                                                                  Our medium-long term loans give them
                                                                                  the opportunity to reveal all their talent
                                        up a community devoted to innovation      and validate their business models.                                                                             Outstanding loans
                                        and covering all of the Hauts-de-France   We are proud to serve as banking                                                                                Caisse d’Epargne Belgium
                                        region. We provide these promising        partner to seven start-ups in the
                                        ventures with dedicated financing         French Tech Next 40/120 class of
                                        designed for business start-up or         2023.

                                                                  Caisse d’Epargne Hauts de France’s structured finance          IBV, THE WOOD
                                                                  team arranged the real-estate financing for the Verkor
                                                                  Innovation Centre (VIC) to be built by Groupe IDEC.            INDUSTRY                                 Banker to large corporations
                                                                  It is a stepping stone in the construction of the future
                                                                  gigafactory in Dunkirk which will produce batteries for
                                                                                                                                 Caisse d’Epargne Belgium helped
                                                                                                                                 the Wood & Energy SA Group fi-
                                                                                                                                                                         .and real-estate firms in
                                                                  electric vehicles in France and represent an essential         nance the construction of a second
                                                                  component in the coming de-carbonisation of road
                                                                                                                                 pelletizing unit by its IBV & Cie SA    .Belgium
                                                                                                                                 subsidiary as well as the construc-
                                                                                                                                 tion of a cogeneration unit by its
  Founded in 2021, Upway is a
                                                                                                                                 Bertemes SA subsidiary. These
                                                                                                                                 loans are consistent with circular
                                                                                                                                 economy principles, with all the re-
                                                                                                                                                                         C   aisse d’Epargne Hauts de France continues to develop its business
                                                                                                                                                                             in Belgium, with the loan book expanding 17%, from €710m to
                                                                                                                                                                         €830m in 2022. In Belgium, we work with one large corporation in
  platform for e-bikes reconditioned                                                                                             sultant wood industry by-products
  in France. The company posted                                                                                                                                          five and Belgian real-estate firms, and are asserting our distinctive
                                                                                                                                 being recovered and converted into      positioning as a cross-border bank offering access to the full array of
  €7m in sales in its first year of                                                                                              green electricity or domestic pel-
  business and has just raised                                                                                                                                           Groupe BPCE’s expertise. We are is also structuring our organisation
                                                                                                                                 lets. These new facilities are due to
  $30m to fund expansion. It already                                                                                             enter service in early 2023.            in order to broaden our business development in Luxembourg and the
  operates in Belgium, Germany                                                                                                                                           Netherlands.
  and the Netherlands, in addition to
  its domestic market.

                                                                                                                                Private banking for
                                                                                                                                customised solutions
d’Epargne                                                                                                                      The Private Bank continued to
                                                                                                                                                                                 Natacha, Private Bank, and her company owner customer, in Villeneuve d’Ascq

Hauts de                                                                                                                       expand and further diversified its
                                                                                                                               offering, thereby positioning Caisse
France, an                                                                                                                     d’Epargne Hauts de France as a major
equity                                     SIGNATURE OF AN ICONIC PARTNERSHIP                                                  provider of wealth management
                                                                                                                               services to company proprietors in
investor in                                Tuesday 18 October 2022 saw Laurent Roubin, Caisse d’Epargne Hauts                  the region.

regional SMEs
                                           de France Management Board Chairman, seal a new stage in the bank’s
                                                                                                                               Assets under management grew by
                                           longstanding partnership with the Réseau Entreprendre network.
                                                                                                                               over 30% in 2022, in line with perfor-
                                           Working alongside the network, our bank helps to coordinate the efforts
                                                                                                                               mance in 2021, despite more volatile
T   hrough our CEHDF Capital and
    CEHDF Mezzanine vehicles
and also our interests in a number
                                           made by entrepreneurs to help other entrepreneurs in our shared
                                           Hauts-de-France region. During the signing, Laurent Roubin reiterated
                                           that “the close ties between our teams and our shared values of

of regional funds (Finorpa, Picardie
Investissement, Regain 340 et FE2T),
                                           solidarity, simplicity and sincerity are what make the alliance a success”.
                                           He also thanked Réseau Entreprendre President Arnold Fauquette for                             €855m          +32%
we have €190m of direct and indirect       his continued trust in the bank throughout the region. In short, the story                     Assets managed by
equity investments in SMEs in the          continues, for the benefit of job creators...                                                  our Private Bank

CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                                                          9
Certified Corporation - Groupe BPCE

              Helping to upgrade the quality of life
              for people in the Hauts-de-France
                                                                 Foncière Etoile du Nord purchased a building in the heart of Brussels in 2022

for social housing
in the region
Caisse d’Epargne Hauts de France is
the leading private-sector bank for
social housing agents. We are invol-
ved in the governance of one social
housing body in two in the region.
In addition to financing construction
and renovation programmes, we also
offer services benefiting the region’s    Partnering                                     Investing in real
inhabitants, such as support for access
to property ownership (PSLA loans for
                                          local councils                                 estate assets
modest income families, for example).     Caisse d’Epargne has longstanding              We take part in investment rounds
And reflecting our commitment to          experience of financing local councils.        alongside our real-estate development
developing housing for all, we operate    We offer a comprehensive range of              and dealer clients via our Etoile du Nord
three social housing companies coor-      financing solutions suited to their            Promotion subsidiary. Likewise, we had
dinated by SAC Petram (SIA Habitat,       needs and also provide solutions to            €320m of long-term investments in ter-
                                          cover their short-term cash require-           tiary, tourism and residential real estate
SIGH and SA HLM de l’Oise).
                                          ments. Our pioneering impact loans             assets via our Etoile du Nord property
                                          for local councils also offer interest         subsidiary in 2022.
                                          rates linked to the impact of the pro-
Partner for                               ject concerned: the more virtuous the

real estate                               project, the lower the interest rate.
                                                                                                                                                 THE ENERGY-
professionals                                                                                                                                    SAVING
                                            SUPPORTING REAL ESTATE DEVELOPER                                                                     CHALLENGE
Caisse d’Epargne Hauts de France is
the region’s leading real-estate ban-
                                            BESIX RED IN LA MADELEINE NEAR LILLE                                                                 The Haut Terroir residential
ker. We work with real estate profes-                                                                                                            building is located in a priority
                                            We supported the Belgian real estate developer Besix RED (Real Estate Deve-
                                                                                                                                                 district of Waziers. As part of the
sionals, landlords, builders, property      lopment) with its acquisition of an office building in La Madeleine near Lille.
                                                                                                                                                 maintenance plan for its social
developers and land developers who          The project involves demolishing the existing structure dating from the 1970s
                                                                                                                                                 housing portfolio, our social
are involved in building and impro-         and constructing a new 7,500m² office building just a few kilometres from the
                                                                                                                                                 housing landlord SIA HABITAT
ving quality of life for the region’s       Euralille centre. Besix RED is the real estate development arm of the Besix
                                                                                                                                                 began upgrading work on 60 in-
inhabitants. We committed €1.6bn of         group. It is one of the five biggest real estate developers in Belgium and is also
                                                                                                                                                 dividual dwellings in September
                                            active in France, Luxembourg, Portugal and Holland. The financing for this deal
financing to the development of their                                                                                                            2022 (loft insulation, joinery
                                            was facilitated by the existing relations between Besix and our Belgian branch
activities in 2022.                                                                                                                              repairs, new boilers, etc.).
                                            located in Brussels.

CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                       11
Certified Corporation - Groupe BPCE

    2022                                                                                                                                               More than.
                                                                                                                                                         a bank.
    in figures                                      5,000orpora
                                                    new c mers

     Patronage and
                                            €685m Net Banking

        Caisse d’Epargne Hauts de
         France and its foundation
        devoted €5m to patronage,
        sponsoring and partnership
                                            €166m Net

                                            €4.3bn Equity
     actions across the whole of the
      region in 2022. These actions                Shareholders’
     focused on the fields of culture
     and sport-health and on foste-
      ring integration for the largest
             number of people.

                                                     NET BANKING INCOME

                 €9bn                    €1bn
                                                     is the banking-industry equivalent
                                                     of company turnover.

                                                     LOAN PRODUCTION

                                                     measures the amount of new
                                         Surplus     loans granted during the year.
           Production                    Deposits    surplus

                    50% for families,                SURPLUS DEPOSITS
                  50% for businesses                 represents the amount of net
                                                     deposits collected in 2022.

                                                                                          Kimie and Marlone Alvarez share a dream: both want to dance in Place de la Concorde during the Paris 2024 Olympic Games.
                                                                                          They are two of the nine athletes we support in the region.
CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                     13
Certified Corporation - Groupe BPCE

                                                                                                                                                                                                                                                                                                                                                                                                                                         Justine, accompanied by Christophe, Premium Customer Relationship Manager, and Fabrice, Boulogne branch, in Cap Blanc-Nez.

                                                                                                                                                                                                             Participating in the life.
                                                                                                                                                                                                             of a bank that belongs.
                                                                                                                                                                                                                    to its customers.
                                                                                                                                                                                                                                                                                                                                                    As a cooperative bank, Caisse               Boards. These board members ori-
                                                                                                                                                                                                                                                                                                                                                    d’Epargne Hauts de France belongs           ginate from and reflect the diversity
                                                                                                                                                                                                                                                                                                                                                    to its 400,000 cooperative sharehol-        of the Hauts-de-France region. They
                                                                                                                                                                                                                                                                                                                                                    ders who, as customers of the bank,         are familiar with economic and social
                                                                                                                                                                                                                                                                                                                                                    consequently invest in the region.          issues, and strengthen and broaden
                                                                                                                                                                                                                                                                                                                                                    Each one owns a fraction of the             the Caisse d’Epargne’s close-knit
                                                                                                                                                                                                                                                                                                                                                    company’s share capital and thus            network in the region. The board
                                                                                                                                                                                                                                                                                                                                                    possesses the right of information          members contribute to the bank’s
                                                                                                                                                                                                                             sociétaires ?                                                                                                          regarding the bank’s main policy            societal engagement and may be
                                                                                                                                                                                                                             Rendez-vous dans votre
                                                                                                                                                                                                                             agence pour découvrir
                                                                                                                                                                                                                                                                                                                                                    decisions.                                  called on to help prepare diagnoses
                                                                                                                                                                                                                             les actions soutenues
                                                                                                                                                                                                                             sur notre territoire.                                                                                                  Cooperative shareholders are repre-         for the region, to select projects, to
                                                                                                                                                                                                                                                                                                                                                    sented by 350 cooperative-sharehol-         decide on patronage initiatives or to
                                                                                                                                                                                                                                                                                                                                                    der board members organised into            assess projects.
                                                                                                                                                                                                                                                                                                                                                    20 Local Cooperative-Shareholder

                                                                                                                                                                                                                                                                                                                                                    Cooperative governance                                                                            200
                                          Café Sociétaires
                                                                                                                                                                                                                                                                                                                                                    Cooperative-shareholder board members elect the members of the Super-
                                                                                                                                                                                                                                                                                                                                                    visory Board alongside the elected representatives of the region’s different
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    B Corp-certified bank
                                                                                                                                           samedi 25 mars à 10h00                                                                                                                                                                                   administrative areas. This cooperative organisation guarantees the interests of

                                                                                                                                                                                                                                                                                                                                                    Members of the Management Board from left to right: Michaël Kervran,
                                                                                                                                                                                                                                                                                                                                                    Valérie Raynaud, Laurent Roubin, Chairman, Peggy Brione, Thierry Lhoste.                            2nd                         Caisse d’Epargne Hauts de France
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    obtained B Corp (Benefit Corporation)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                We shoulder a particular responsibility
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                towards our region and the people
  Photo retouchée

Caisse d’Épargne et de Prévoyance Hauts de France - Banque coopérative régie par les articles L.512-85 et suivants du Code monétaire et financier – Société Anonyme à Directoire et Conseil d’Orientation et de Surveillance. Capital social de 1 000 000 000 € - Siège social : 612 rue de la Chaude Rivière 59800 LILLE - 383 000 692 RCS Lille
Métropole Code NAF 6419 Z - Intermédiaire d’assurance, immatriculé à l’ORIAS sous le numéro 07 008 031 - N° TVA intracommunautaire FR34383000692 - Titulaire de la carte professionnelle «Transaction sur immeubles et fonds de commerce sans perception de fonds, effets ou valeurs » n° CPI 8001 2016 000 009 207 délivrée par la CCI
Grand Lille garantie financière : CEGC, 16 rue Hoche, Tour Kupka B – TSA 39999 92919 La Défense Cedex

                                                                                                                                                                                                                                                                                                                                                                                                                                                B Corp-certified                    certification in November 2022. This        that live there. This responsibility
                                 COOPERATIVE                                                                                                                                                                                                                                                                                                                                                                                                    bank in France
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    international ethical label rewards
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    organisations that meet multiple,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                is embodied by the different vision
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                that guides our business and conse-
                                 -SHAREHOLDER                                                                                                                                                                                                                                                                                                                                                                                                                                       demanding environmental and societal        quently by our focus on providing
                                 COFFEE EVENTS                                                                                                                                                                                                                                                                                                                                                                                                                                      criteria.                                   useful finance. Over the years, we

                                  2002 saw the start of in-branch                                                                                                                                                                                                                                                                                                                                                                                  The only                         The B Corp label was created in the
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    USA in 2006 by three entrepreneurs
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                have taken numerous measures in
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                pursuit of this ambition under the
                                  coffee events for cooperative
                                  shareholders and these will be
                                                                                                                                                                                                                                                                                                                                                                                                                                                B Corp-certified                    convinced of the need to make bu-
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                overall tagline “More than a Bank”.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                By becoming “more Engaged, going
                                  rolled out further in 2023. The                                                                                                                                                                                                                                                                                                                                                                              bank in the Hauts-                   sinesses the linchpins of a world more
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    respectful of the planet and people.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Greener and encouraging Sport”, our
                                  objective is to share our values
                                  and listen to what our coopera-                                                                                                                                                                                                                                                                                                                                                                              de-France region                     The initiative sprang from the simple
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                actions demonstrate the high degree
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                of importance we attach to the public
                                  tive shareholders have to say.                                                                                                                                                                                                                                                                                                                                                                                                                    observation that responsibility for

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                interest and our desire to contribute to
                                  We also share our values via
                                  the twice-yearly publication of                                                                                                                                                                                                                                                                                                                                                                                      th                           solving current challenges cannot be
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    left solely to governments and not-for-
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                the transformation of our region.
                                  a magazine that takes a look                                                                                                                                                                                                                                                                                                                                                                                                                      profit organisations.
                                  at our region and those who                                                                                                                                                                                                                                                                                                                                                                                   B Corp-certified
                                  contribute to its dynamism and
                                                                                                                                                                                                                                                                                                                                                                                                                                                 bank in Europe

 CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     15
Certified Corporation - Groupe BPCE
In the Soissons branch


                  SHOWING MORE

                                           Useful initiatives and solidarity
                                           with youngsters through our
                                           Corporate Foundation

                                                  aisse d’Epargne Hauts de France      31 of them were selected as winners.
                                                  is an engaged local partner          The highly diverse projects focused on
                                                  active in the areas of solidarity,   one of the following themes: nutrition
                                           culture and sport-health. In February       & hygiene, housing, sport & health,
                                           2022, the bank’s Corporate Founda-          professional integration. To add to the
Finances &                                 tion launched a call for projects de-       impact of the operation, our social

                                           signed to benefit youngsters under the      landlords - SIGH, SIA Habitat and SA                 A PROTECTED                                 Facilitating
                                                                                                                                                                                                        Caisse d’Epargne Hauts de France
                                                                                                                                                                                                        is recognised as a foremost player
                                           “#Useful solidarity with youngsters”        HLM de l’Oise – took part in the call
financial education                        tagline. A total of 68 projects were        for projects.
                                                                                                                                            CONGRESS                                   day-to-day       on the “protected persons” market
                                                                                                                                                                                                        and engages on a day-to-day basis
programme                                  submitted in all, a fine performance!
                                                                                                                                                                                     life for legally   to assist these customers and the
                                                                                                                                            Caisse d’Epargne Hauts de France                            people accompanying them. Protected
Every day, the advisors engaged in the
bank’s Finances & Pédagogie finan-
                                                                                                                                            arranged a conference in May
                                                                                                                                            2022 to bring together public and
                                                                                                                                                                                          protected     persons thus have access to advi-
cial education programme run group
workshops in the Hauts-de-France
                                              FROM STADIUM TO EMPLOYMENT                                                                    private agents that act for the
                                                                                                                                            benefit of protected persons, i.e.
                                                                                                                                                                                            persons     sors familiar with their issues. Caisse
                                                                                                                                                                                                        d’Epargne is also an important partner
region devoted to questions of money                                                                                                        people whose ability to protect                             of actors in the sector, with whom it
                                              Recognising that the social and professional integration of people in diffi-
and money management for various              culty, at risk of exclusion or in situations of dependency is a priority, Caisse              their own interests might be                                signs local partnerships that provide
                                                                                                                                            limited by illness, handicap or                             banking solutions to facilitate the day-
audiences, such as schools, social inte-      d’Epargne also expanded the “From Stadium to Employment” scheme.
                                                                                                                                            important social difficulties. It is                        to-day financial matters of the persons
gration structures and social workers.        This sports-based initiative enables employers to come into contact with                      the go-to bank in the region for
The programme aims to make people             youngsters seeking employment and to interview them in less formal                            services to these people, in rela-                          for whom they are responsible.
more proficient in money matters              circumstances than they might otherwise do. These activities also give                        tion with their families.
in their personal and professional            employers the chance to see how potential candidates behave, rather than
                                              focusing solely on their technical or intellectual capabilities.
lives and thus to help them become
fully-fledged “economic citizens”. As                                                                                                     Parcours                                     Supporting       Launched by Caisse d’Epargne Hauts
                                                                                                                                                                                                        de France in 2019, Banque de l’Orme
it does every year, and particularly to
                                                                                                                                          Confiance                                    companies        Nord-Ouest specialises in managing

                                                                                                                                                                                      even in hard
celebrate its 40th anniversary in 2022,
Caisse d’Epargne Hauts de France was                                                                                                      microcredit                                                   companies subject to Chapter 11-type
                                                                                                                                                                                                        protection procedures and recovery
involved in the Apprendre la Bourse
challenge, which allows high school                                                                                                       association                                        times      procedures. It provides an array of
                                                                                                                                                                                                        services comprising advisory services
pupils and higher education students                                                                                                      The Parcours Confiance not-for-profit                         and customised banking solutions
to open a portfolio of shares with                                                                                                        association assists individuals and en-                       to support company proprietors,
€50,000 of virtual capital that they                                                                                                      trepreneurs who lack access to classical                      SMEs and small-business professio-
are tasked with growing by buying and                                                                                                     financing circuits for their personal or                      nals in difficulty. Banque de l’Orme
selling on the stock market. Likewise,                                                                                                    professional projects. By offering solu-                      Nord-Ouest continued to expand its
our customer advisors took part in the                                                                                                    tions suited to their particular needs,                       activities alongside its 400 customers
“J’invite un banquier dans ma classe”                                                                                                     such as microloans, Parcours Confiance                        under management during the year
operation, during which bank staff go                                                                                                     contributes to the economic and social                        and extended its geographic scope of
to meet school pupils in class and talk                                                                                                   inclusion process. In 2022, for example,                      activity to Normandy, in relation with
to them about managing money on a                                                                                                         it enabled more than 210 people to buy                        Caisse d’Epargne Normandie.
day-to-day basis.                                                                                                                         a vehicle and helped create 30 jobs.
                                                                                                                   Wattignies CREPS
CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                                             17
Certified Corporation - Groupe BPCE

              Going greener
                                                                                                                                                                   Reducing our carbon footprint
                                                                                                                                                                   Caisse d’Epargne Hauts de France          nable mobility, responsible digital and
                                                                                                                                                                   has defined three strategic focuses       the circular economy. Our branch
                                                                                                                                                                   of action to reduce our own envi-         modernisation programme is subject

                                       100% useful for environmental                                                                                               ronmental footprint: the fight against
                                                                                                                                                                   climate change via the reduction in
                                                                                                                                                                                                             to strict specifications geared to
                                                                                                                                                                                                             reducing energy consumption, parti-
                                       transition                                                                                                                  our greenhouse gas emissions; the
                                                                                                                                                                   circular economy (a concept that
                                                                                                                                                                                                             cularly through the use of automation

                                                 e enable our customers to invest in responsible and sustainable products.   Myriam and her team in Bouchain       embraces procurement and waste            We have provided staff with a fleet
                                                 These solutions represent over €15bn of investments. The bank supports                                            management); and the reduction in         of recycled bicycles, some with and
                                                 its family and business customers with their energy and environmental
                                       transition. We are committed to reducing our own environmental footprint.
                                                                                                                             GO GREEN                              our impact on biodiversity and the
                                                                                                                                                                   contribution we make to restoring it.
                                                                                                                                                                                                             some without electrical assistance.
                                                                                                                                                                                                             They can be used on a day-to-day
                                                                                                                             Caisse d’Epargne Hauts de             During the year, we stepped up our        basis for short trips or business
                                                                                                                             France launched an environ-           ambitious plan to engage all our          appointments and thus encourage a
                                                                                                                             ment-related competition in
Supporting Jungle in Château-Thierry                                                                                                                               employees in structural projects          softer form of mobility.
                                                                                                                             which teams seek to overcome
                                                                                                                             challenges concerning environ-        focused on real estate and sustai-
                                                                                                                             mental themes over a period of
                                                                                                                             four seasons. The aims are to
                                                                                                                             raise awareness and to encou-
                                                                                                                             rage teams over the long term to
                                                                                                                             adopt good gestures and to foster       LAUNCH OF THE HOPE COMMUNITY
                                                                                                                             good practices through collabo-
                                                                                                                             ration.                                                                                              Loos-en-Gohelle

                                                                                                                                                                                la communauté

                                                                                                                             Valentine and Bastien, Partnerships
                                                                                                                             team, Amiens Tour Perret branch

                                                                                                                             THE MOBILITY
                                                                                                                             September 2022 saw 600 staff
                                                                                         JUNGLE                              members heed the call for Caisse
                                                                                                                             d’Epargne Hauts de France’s             HOPE (Humans Opportunities Pioneers Environment), our new Green commu-
                                                                                         Founded in 2016, Jungle             first participation in the regional     nity, is designed to accelerate Caisse d’Epargne Hauts de France’s environ-
                                                                                         builds and operates                 Mobility Challenge. They sported        mental transition. Some 80 staff volunteers are engaged in the bank’s Green
                                                                                         vertical farms and                  the company’s colours with pride        approach. A first work-meeting enabled the volunteers to meet each other,
                                                                                         produces garden herbs,              during the event. Thanks to their       to gain ideas from practical, innovative workshops and to start moving towards
                                                                                         lettuces and young shoots           efforts, over 1,700 trees were          our collective and individual commitments for a responsible environmental
                                                                                         for mass retailers. We              planted in the Hauts-de-France          transition. The HOPE community comprises 79 members and 6 project groups,
                                                                                         participated in a €1.8m             region, with support from our           all geared to the objective of accelerating Caisse d’Epargne Hauts de France’s
                                                                                         fundraising exercise for            partner Reforest’action (www.           environmental transition.
                                                                                         the company in 2022.                reforestaction.com).

CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                                                    19


                   Encouraging                                                                                                                                                                                  For our
                  .sport                                                                                                                                                                                        The “Sports Branches” season was
                                                                                                                                                                                                                launched in early June. Based around
                                                                                                                                                                                                                a sports activity (walking, running,
                                                                                                                                                                                                                fitness), the concept brings together
                                                                                                                                                                                                                customers, cooperative-shareholder

                                                                                                                                                                                                                board members and staff with the
                                         aisse d’Epargne Hauts de France is part of Groupe BPCE’s partnership with                                                                                              aim of forging closer ties and creating
                                         the Paris 2024 Olympic Games. We are convinced of the positive impact                                                                                                  greater proximity with our customers’
                                         that sport can have on all of us and are therefore committed to encoura-                                                                                               projects.
                                   ging physical activity and sport for all, and to supporting our customers in their
                                   projects linked to the sports economy.                                                                                                                                       Entreprendre 2024 initiative
                                                                                                                                                                                                                The Entreprendre 2024 initiative was

                                   For our athletes
                                                                                                                                                                                                                set up to inform our professional and
                                                                                                                                                                                                                corporate customers of the business
                                                                                                                                                                                                                opportunities related to contract
                                   We are supporting nine of the region’s high-level athletes in the run-up to the
                                                                                                                                                                                                                tenders for the Paris 2024 Olympic
                                   Paris 2024 Olympic Games, in order to assist them with their progress and
                                                                                                                                                                                                                Games and to assist them in replying
                                   performance and their preparations for this major event.
                                                                                                                              For our staff                                                                     to tenders and to support them
                                                                                                                                                                                                                throughout the process.
                                                                                                                              We organise numerous events related      take part in Groupe BPCE Sports          entreprises2024.fr
                                   Charlotte and Laura Tremble, athletes supported through the Performance Pact initiative,   to quality of life at work, such as      challenges. Our Premium Partnership

                                                                                                                                                                                                                For the region
                                                                                        training at the Aquapôle in Amiens.   hypnosis sessions for smoking cessa-     with the Paris 2024 Olympic Games
                                                                                                                              tion, Amma seated massage sessions,      allows staff to enjoy some unforget-
                                                                                                                              sophrology sessions for stress or emo-   table experiences like the Imagine       We partner several high-profile races
                                                                                                                              tional management and a handicap         2024 Challenge, to volunteer as assis-   in the region (urban trails, La Route
                                                                                                                              awareness show.                          tants for the Games or to take part in
                                                                                                                                                                                                                du Louvre, Lille half marathon) and
                                                                                                                                                                       the torch relay.
                                                                                                                              Our sports association embraces 16                                                actively support professional sports
                                                                                                                              disciplines and enables our staff to                                              clubs for women (basketball and rugby
                                                                                                                                                                                                                in Villeneuve d’Ascq), men (ice hockey
                                                                                                                                                                                                                in Amiens, basketball in Gravelines)
                                                                                                                                                                                                                and youngsters (football in Beauvais,
                                                                                                                                                                          MAJOR                                 basketball in Gravelines).

                                                                                                                                                                          IN VIDEO
                                                                                                                                                                                                                                 SAMEDI 14 et dimanche 15 MAI 2022

                                                                                                                                                                         Some 15 conferences and
                                                                                                                                                                         workshops were organised on
                                                                                                                                                                         the themes of musculoskeletal
                                                                                                                                                                         disorders, parenting, nutrition
                                                                                                                                                                         & diet, sophrology and male
                                                                                                                                                                         cancers (the latter to mark                      rou

                                                                                                                                                                         Movember). The four conferences            ww

                                                                                                                                                                         run by Major Mouvement on                           5 - 10 - 21,1 km

                                                                                                                                                                         posture and minor pains, rou-                            TRAILS
                                                                                                                                                                         tines for a healthy body and on                                        ORGANISÉE PAR
                                                                                                                                                                         physical and mental well-being,
                                                                                                                                                                         also met with great success.

CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                                                                     21

                 Contributing to staff
                                          With 3,000 staff, Caisse d’Epargne Hauts de France is the
                                          region’s seventh-largest private sector employer. In 2023,
                                          some 400 staff on permanent or work-study contracts will
                                          join our commercial or support function teams serving our

                                                                                      INNOVATING TO
                                                                                      ONBOARD NEW
                                                                                      Reflecting an overall environ-
                                                                                      ment of innovation regarding
                                                                                      both working and communication
                                                                                                                          Staff training for career
                                                                                      methods, new staff expect to
                                                                                      be welcomed with an inclusive,
                                                                                      attractive, personalised and        Caisse d’Epargne Hauts de France hosts 100 work-study employees and 200
                                                                                      positive onboarding experience.     interns each year. Our active and professional diploma-oriented training policy
                                                                                      To match these expectations, we
                                                                                      developed a novel and intuitive
                                                                                                                          and our use of cutting-edge technologies underline our goal of supporting our       LOCO & CO
                                                                                      mobile app - Accueil & Moi - to
                                                                                      assist new staff through a fun
                                                                                                                          staff with developments in their profession and continuously upgrading their
                                                                                                                          skills. In terms of the percentage of our wage bill, we spend seven times the       AND MOBILITY
                                                                                      and innovative process that takes   legal minimum on training.                                                          PLAN
                                                                                      them from the signature of their
                                                                                                                                                                                                              The distance travelled each
                                                                                      employment contract to their
                                                                                      physical arrival in the com-
                                                                                      pany. 168 new permanent and
                                                                                                                          Quality of Life at Work and                                                         year by our 3,000 staff in
                                                                                                                                                                                                              commuting to and from home
The Network Assistance team – the ShAKe building in Amiens                            work-study contract employees
                                                                                      have already been onboarded
                                                                                                                          professional equality                                                               represents the equivalent of
                                                                                                                                                                                                              550 “world tours”, with 75%
New “collaborative” working                                                           via the app and feedback shows
                                                                                                                          Caisse d’Epargne Hauts de France set      tation at all levels of the bank. Our
                                                                                                                                                                                                              of these trips being made in
                                                                                                                                                                                                              individual cars.
                                                                                      that 98% of these new talents
                                                                                      experienced a “Super!” first week   up a “Quality of Life at Work” plan       male-female professional equality         Based on these figures, there
                                                                                      in our teams.                       aimed at fostering well-being at work,    index score remained at the excellent     is an obvious case for encou-

        Our branch modernisation pro-       to offer the same facilities to the       The app was singled out during      as well as equality in the workplace in   level of 93/100 during the year.          raging softer forms of mobility
                                                                                      the Victoires des leaders du Ca-    terms of job opportunities and human                                                for our staff.
        gramme provides an opportu-         people that work in these premises.
                                                                                      pital Humain human resources                                                                                            We therefore set up an in-
        nity to rethink our working me-     The health crisis accelerated the                                             resources management. Each member         Living well with handicap                 novative digital eco-mobility
                                                                                      event organised by Leaders          of staff has the chance to take part
thods. The largest branches include a       introduction of new working me-           League and Décideurs RH.                                                      We pay the utmost attention to the        solution, Loco & Co, which
shared space together with a co-wor-        thods for all staff, to the extent that                                       in workshops or conferences on the        employment of handicapped persons,        enables staff to visualise their
king area that fosters interactivity        working at distance has now found                                             subjects of health, the professional      particularly by taking account of each    daily commute, to see which
and exchanges. The “ShAKe” building         its rightful place in terms of our work                                       sphere, reconciling work and private      employee’s constraints and their pro-     colleagues make a similar
in Lille, which is due to become our        organisation, whether in our head                                             life, and parenting.                      fessional situation. In 2021, handicap-   journey (in order to encourage
new head office in 2023, introduces         office teams or in our branches and                                                                                     ped employees accounted for 6.64%         ride-sharing), to suggest alter-
a new vision of work spaces focused         business centres, which is a first in                                         Professional equality                     of our workforce and around 200
                                                                                                                                                                                                              native solutions to the car and
on quality of use, the well-being of        the banking industry. Efforts to equip                                                                                                                            to see travel tips.
                                                                                                                          Diversity and professional equality       people in total. We also favour the
occupants, sharing, cooperation and         staff with mobile phones and laptops                                          between men and women are strong          use of specialist structures – such as
creativity. Work was also undertaken        also greatly facilitated this shift.                                          values that we uphold. Our recruit-       those employing protected persons –
on the offices housing our corporate                                                                                      ment and career management policy         when putting contracts out to tender.
functions in Amiens in 2022 in order                                                                                      promotes such balanced represen-

CAISSE D’EPARGNE HAUTS DE FRANCE                                                                                                                                                                                                                 23
ShAKe (a contraction of Share & Work) has been Caisse d’Epargne Hauts de France’s
                                                                                      head office since March 2023. Comprising 33,000m2 of space, located in the heart of
                                                                                      the Euralille business district on the edge of Lille city centre, it accommodates 650 of
                                                                                      the bank’s employees.
                                                                                      The premises also house other tenant companies serving our employees, including
                                                                                      four restaurants (one with a panoramic terrace), a sports room, a nursery and a
                                                                                      co-working area. The building was designed and is operated according to the highest
                                                                                      environmental standards (BREEAM certified rating of “excellent”).

                                                                                                                                                                                                 © 2020 - 8331

                                                                                                                                                                            March 2023 - Pixels Avenue, Amiens.

                                                               Being useful
                                                            here every day.                                  Corporation

                                                             Photos: Samuel Dhote, Caisse d’Epargne Hauts de France
                                                                                                                                                                            Printing certified paper

    « Caisse d’Epargne et de Prévoyance Hauts de France - Cooperative bank governed by articles L.512-85 and following of the Monetary and Financial Code -
Public limited company with a Management Board and Steering and Supervisory Board - Share capital of €1,000,000,000 - Head office 612 rue de la Chaude Rivière
  59800 LILLE - 383 000 692 RCS Lille Métropole - NAF code 6419 Z - Intra-community VAT number FR34383000692 - Insurance intermediary, registered with
     ORIAS under number 07 008 031 - Holder of the professional card «Transaction on buildings and goodwill without collection of funds, effects or securities»
no. CPI 8001 2016 000 009 207 issued by the Greater Lille CCI - financial guarantee: CEGC, 16 rue Hoche, Tour Kupka B – TSA 39999 92919 La Défense Cedex. »
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