ACTIVITY REPORT 2021 A LONG-TERM STRATEGY MORE RELEVANT THAN EVER The strategy of banking without distance deployed by BRED throughout the territories where it is established is supported by sustained and regular growth in NBI since 2012 and record results in 2021 . True to its core business, BRED is enhancing the high value-added overall close relationship that it maintains with its customers, individuals, private investors, professionals, institutional investors and companies of all sizes in each of its territories, in France and abroad. Combining the best human elements with the best digital technology, BRED is in keeping with the times, looking to the long term, always striving for customer satisfaction. Renovating branches to improve the quality of our welcome and attentiveness, continuous investments to train advisers and in digital tools to reinforce the proximity of our relationships and high value-added advice... BRED is mobilising and strengthening its unique view of its business. 17 Open to the world