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In 2011 Crédit Agricole defined a policy for paper in partnership with WWF France. This effort is led by the Crédit Agricole S.A.'s Sustainable Development department and the Group Purchasing department, with the objective of reducing paper consumption, purchasing responsibly and recycling office paper.
A variety of tools make it possible, among other things, to put in place a special reporting system with various indicators, which is presently being deployed at some 15 Group entities that have now joined the programme. All types of printed matter are involved (office, editorial, internal communications, external communications and institutional).
The Group's “responsible paper” effort involves three closely related requirements:

  • a 25% reduction in paper consumption by end-2014;
  • 100% responsible paper by end-2014;
  • 100% of used internal paper to be recycled by end-2012.

Numerous actions consistent with the objectives set in 2011 have been in place for several years in many Group entities: default office printer settings of black and white and double-sided, reducing the weight of ream paper, using ream paper that is PEFC Europe or FSC certified, printing institutional documents on either recycled or certified paper, or even dematerialisation of some customers’ documents.


As part of our CSR approach, in April 2012 we obtained the “Imprim’Vert” certificate for our two graphic design and printing workshops in Montrouge and Saint-Quentin-en-Yvelines..
Allocation of the certificate is reviewed each year on the basis of an audit looking at five criteria:

  • correct management of hazardous products;
  • management of energy and water consumption;
  • safe handling of hazardous products;
  • non-use of toxic products;
  • employee awareness of the Imprim’Vert label.


At Crédit Agricole S.A. Group sites in the Paris region, segmented office waste bins, to separate paper from other waste, have been installed at all premises. Some 720 tonnes of paper and 120 tonnes of cardboard were collected, all of which could be sent for recycling. In 2011 Crédit Agricole S.A. awarded the collection, transport, sorting and recycling of paper at its new corporate headquarters in Montrouge to a new supplier, called Elise (Entreprise Locale d’Initiative au Service de l’Environnement).

Elise also creates jobs for people with disabilities.


Different measures have been taken to recycle waste.

Crédit Agricole Consumer Finance has also put Armelle in charge of recycling batteries, ink cartridges, plastic bottles and aluminium. The European subsidiaries of Crédit Agricole Consumer Finance, for example in the Netherlands (Crédit Agricole Consumer Finance Netherlands), Scandinavia (Finaref Nordic, Dankativ), Greece (Credicom) and Germany (CreditPlus), have introduced recycling for ink and toner cartridges and batteries, in accordance with the regulations in force in their respective countries.

In the company restaurant at Montrouge, Credit Agricole SA started to methanise the waste, it produces a gas that is then used to turn a turbine that generates electricity.

A selective collection process was adopted in buildings of Credit Agricole CIB in London, involving the recycling of food waste and electronics. The food waste collected is converted to high-quality compost and used by farms in the Kent area. In 2011 Crédit Agricole CIB extended its recycling policy at its la Défense location to used pens, which are collected in a special container and recycled by TerraCycle into watering cans, pencil pots, wastebaskets, etc.

Since 2007, Silca, the Group’s IT economic interest grouping, has worked in partnership with Emmaüs to provide the association with Crédit Agricole S.A.’s old computers, restored to their original state. Emmaüs then redistributes the computers to schools and people in need. Broken computers are dismantled and recycled by the association.
According to Bernard Arru, member of Emmaüs, “the partnership with Credit Agricole is very interesting, as it has allowed us to keep some jobs in the long term, and from a qualitative point of view, these are quite high-performance computers”.

Since 2009, the scheme has processed:

  • more than 10,000 computers
  • 12,270 monitors
  • 18,570 CPUs
  • 1,630 laptops

CAL&F began a campaign in 2011 to recycle used mobile phones. Over 360 phones have been recovered. The money saved by this operation was given to an association of Crédit Agricole employees who have been fighting for ten years against rare diseases.