CONTENTS Results and progress 2 Success and highl ights 4 Editorial by Isabel le Gratiant 10 Discussion with Ol ivier Klein 12 PART 01 CAPITALISING ON OUR SUCCESS 16 BRED is expanding, pursuing its policy: Banking without distance 18 Open to the world 22 Expertise and added value for all our customers 24 Testimonials:proximity in action 26 Specialised subsidiaries 33 PART 02 OUR COMMITMENTS TO SUCCEED TOGETHER 34 Societal and environmental commitments 36 BRED is the main partner of the Transat Jacques Vabre 38 Human commitments 40 Summary of the 2021 results 42