ACTIVITY REPORT 2021 SOCIAL AND ENVIRONMENTAL COMMITMENTS BRED demonstrates its commitment to responsible economic development through its social practices and the initiatives it carries out in the territories. It actively supports the world of education and research, and is particularly involved in integration and solidarity. Equal opportunities, a key factor in social cohesion in its territories, represents the main pillar of its sponsorship policy. Behind this commitment there is a challenge: to facilitate the emergence of talented people and their access to sectors of excellence, regardless of their social origin. FAVOURING EQUAL OPPORTUNITIES BRED is committed to equal opportunities in urban areas that are disadvantaged or located far from the capital by supporting the Campus de l’Innovation programme. This programme, designed by Philippe Aghion, is part of a partnership between the French Ministry of Education and the Collège de France. It enables students from colleges, in particular those who have taken technology courses, located in disadvantaged areas to access education through research and the professors of the Collège de France. In partnership with HEC and the HEC Foundation, BRED offers support in six regional education authorities (Caen, Guadeloupe, French Guiana, Martinique, Réunion and Rouen) for students who receive grants from the students’ welfare office (CROUS) in classes to prepare for entry exams to the Grandes Écoles. CONTRIBUTING TO THE GROWTH Each year it offers them individual support provided by its OF OUR REGIONS local managers and a grant of up to €800. In 2021 , BRED supported the “Lire au Grand Large” festival in Guadeloupe, an event that enables everyone to have Firmly established in its territories, BRED contributes toaccess to books, and helps to combat illiteracy. their economic development by supporting the personal and corporate projects of its customers. In 2021 , its outstanding loans increased by 15% to €29bn. BRED’s ability to finance these projects is increasing thanks to regular increases in its shareholders’ equity (comprising the registered capital and retention of profits) which has been multiplied by 2.5 since 2012, and the dynamism of the collection of savings. All of the savings collected are redistributed at the local 96% OF level in the form of financing. 95% of credit decisions are OUR SUPPLIERS taken locally. ARE LOCATED IN OUR TERRITORIES 36 dlrow eht ot nepO rehtegot deeccus ot stnemtimmoc ruO