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Annual report

Table of contents

HEADQUARTERS

Overview of 2019

Management"s

discussion and analysisMessage from the chief executive officer

Consolidated financial

statements2019 highlights

New strategic plan

Managing our talent

in a culture of change

Diversifying our investment

solutions and offering responsible investment options

Benefiting locally

from nationwide business financing

Offering simplified,

faster technology

Contributing to the social

vitality of communities

Overview of 2019

FINANCIAL RESULTS

SOCIAL AND COOPERATIVE RESPONSIBILITY

UNI IS...

ff Core purpose UNI's core purpose and values are the pillars on which our conduct and actions rest. In fact, they express UNI's raison d'être the substance of our ultimate purpose. Together for the prosperity of UNI and its client members

Solidarity

WORKING TOWARD

A COMMON CAUSE

Courage

REJECTING

COMPLACENCY

Responsibility

CHAMPIONS

OF OUR CAUSE

Values of engagement

Message from the

chief executive officer

Coming into compliance

with national regulations

Diversifying investment solutions

for our client members and offering responsible investment options

Financing businesses outside

our region while generating benefits locally

Adapting our distribution network

in response to new realities

Developing our new three-year plan

Financial results propelling

us into the future

Engaged social responsibility

for sustainable development

Expanding identity theft protection

Our commitment to always working in the best interest of our client members against the backdrop of a rapidly evolving industry requires from us the courage to reinvent our offerings, our tools and even the ways in which we distribute our products and services. The year 2019 was a stepping stone in terms of preparing for the future and focusing our planning efforts on modernizing and streamlining the delivery of our services. Efforts in this area will continue to expand in 2020.

Revisiting our core purpose and values

Personal courage guiding our actions

Business locationsVirtual Caisse

Northeast Area

Northwest Area

Southeast Area

Online and mobile services available

around the clock, 365 days a year.

Unrivalled presence

across the province

Regional offices

Or find us at

youtube.com/caissespopulaires facebook.com/unicooperation instagram.com/unicooperation 2019

Our main strategic

priorities for 2020-2022

Our client members

are changing.

Our objectives •

Strategies for achieving our ambitions

Adapt our

offering and increase profitability

Improve our

performance to interact even more effectively with our client members

Develop

our talent and foster and maintain an engaging workplace

Streamline

and simplify our operations to generate more value for our membersReview the client experience to capitalize on opportunities for attraction and retentionLeverage our business intelligence to better understand our client members and focus our effortsDevelop our tools for interacting with our client members

UNI is changing.

Our market

is changing.

Develop our

talent and effect cultural change

Grow our

business and develop our offering 1

Enhance

organizational performance and develop client interaction channels 23
1 2 3

Expand our

digital oeringReview our asset management modelContinue developing our subsidiaries

Attract and retain

our young clientsSupport decision-making based on reliable business dataFoster external strategic partnerships

Strengthen our

connections to, and impact on, the communities we servePromote the overall development of our talent

Shape the

employee experience with a focus on engagement and mobilization in connection with the target client experienceBuild our organizational culture

Our roadmap for 2020-2022

Innovative business

location

Managing our talent

in a culture of change

The changing face of UNI

as we change together

Core purpose and values of engagement

Employee engagement

Employee experience

Development and training

An evolving organization

UNI among

Atlantic Canada"s

top employers

UNI and Aviso Wealth:

A winning partnership!

Diversifying our investment solutions and offering responsible investment options

Simplifying finances

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Partnerships and market expansion

Business transfers: An important

challenge in numerous industries

New administrative office in Miramichi

Benefiting locally

from nationwide business financing

Active in the business community

Corporate Suite at the Avenir Centre

Annual general meeting

of the New

Brunswick

Maple Syrup Association

UNI Business Golf

Tournament

Province-wide tour

on the implications of business transfers and presentation of comprehensive offerings

Greater Moncton Roméo LeBlanc

International Airport

Annual general

meeting of the Maritime

Fishermen's Union (MFU)

Bleuets NB Blueberries

annual conference

Offering simplified,

faster technology

New touchscreen ATMs

New | E-services via AccèsD mobile

Guiding the change process

Instant access

to the Home and

Vehicles

tools

Contributing to the

social vitality of communities

Sponsorships, donations

and scholarships

In the last three years,

UNI has given back

more than $7M in group dividends to communities.

Returned to the community

Promoting the fostering of new talent

and boosting the cultural industry

Creating synergy with the business community

Contributing to the development of youth

Supporting community and

social development projects

Facilitating access to healthcare services

and to research for a better quality of life

Contributing to community vitality

For every $100 invested in communities in 2019

Notable

achievements $750,000 TO THE

EVOLUTION

FUNDRAISING

CAMPAIGN OF

UNIVERSITÉ DE

MONCTON

Vox pop with students at U de M, November 2020

It's a world filled with loving hearts and open minds.Thank you for thinking of my future.To me, the future is education..I see a future without discrimination.

EXPO-KENT

PJ WALK

FOR KIDS

FONDATION

DES PETITS

DÉJEUNERS DE

LA PÉNINSULE

ACADIENNE

CHALEUR

TRANSPORTATION

COOPERATIVE

Cooperative

committees These committees respond to the specific needs of each region and oversee the successful completion of provincial projects.

KASSIM DOUMBIA,

PRESIDENTANDRÉ MORAIS,

VICEPRESIDENTRAYMOND BRYAR,

SECRETARYBERTRAND BRIDEAU

RÉJEAN MICHAUD

Northeast Cooperative Committee

Southeast Cooperative CommitteeNorthwest Cooperative Committee

UNI believes that

financial education benefits everyone "DREAM BIG WITH FINANCIAL

EDUCATION" CONTEST

FACEBOOK LIVE EVENT ON

RRSPs AND TFSAs WITH

“ROBIN AND FRIENDS"

FREQUENT BLOG

POSTS PUBLISHED

AT UNI.CA

Children's Financial Education

Starts at Home

Financial Independence: How to Start

Working Less or Retire Earlier

Dene a household budget now

in order to avoid nancial headaches for the rest of the year!

A must-see event:

Facebook Live on January 29!

Event details

Initiatives in

2019

Elementary school tour

featuring Roland and Babalou

AEFNB conference

“Féeli Tout à mon école" contest

Management's

Note to

the reader

Table of

contents

Risk managementEconomic and

financial outlookBoard of Directors

Executive

Committee

Financial position

Review of

financial results

2019 surplus earnings

Net financial income

Operating expenses

Life and health insurance

Balance sheet review

Summary balance sheet

Capital management

Off-balance-sheet arrangements

MANAGEMENT"S DISCUSSION AND ANALYSIS

43
44
48
49
50
53
55

Board of

Directors

ICD.D

Caroline Haché,

MBA

Guy J. Richard,

ICD.D

Wanita McGraw,

FCPA, CA, ICD.D

Brian L. Comeau

DIRECTOR

Guy Ouellet

DIRECTOR

Roland T. Cormier

DIRECTOR

Diane Pelletier

DIRECTOR

Sébastien Deschênes,

DBA, CFA, CPA, CA, ICD.D

Allain Santerre

DIRECTOR

Gilles Godin

DIRECTOR

Jean-François Saucier,

DBA, CFA, CPA, CA

COMMITTEES

COMMITTEES

TERM

TERM• Conduct Review

& Governance

• Performance Evaluation

& Remuneration of the

Chief Executive Ocer,

Chair

• Human Resources

• Nomination, Chair

• Risk Management

• Audit

• Board of Trustees

• Nomination

• Risk Management,

Chair

• Audit, Chair

• Performance Evaluation

& Remuneration of the

Chief Executive Ocer

• Risk Management• Conduct Review

& Governance

• Human Resources

• Performance Evaluation

& Remuneration of the

Chief Executive Ocer

• Conduct Review

& Governance

• Human Resources

• Risk Management• Audit

• Board of Trustees, Chair

• Human Resources,

Chairquotesdbs_dbs17.pdfusesText_23

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