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FReD an original CSR approach

Acting together as a committed and responsible Group


At the heart of the strategy of Crédit Agricole SA, corporate social responsibility (CSR) is now embodied in a process of participatory and evolutionary progress, called FReD.


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FReD is an overarching initiative for continually promoting and improving the Group’s CSR activities. It aims to disseminate CSR practices throughout the Group by committing all entities to it, while leaving them free to choose their own priorities. The objective is to involve the entities, stimulate initiatives, and build up the Group’s sustainable development policies in collaboration with each business line.er.


  • Provide the entities with a common framework that allows them to determine and formalise their own CSR policies
  • Assess the Group’s social performance
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During 2011 ten Crédit Agricole S.A. Group entities (Amundi, Crédit Agricole Assurances, CACEIS, Crédit Agricole Consumer Finance, CACIB, Crédit Agricole Leasing & Factoring, Crédit Agricole Private Banking, Cariparma, Crédit Agricole S.A., and LCL) committed to the initiative. The other entities will join in gradually. Since 2011 participating entities have launched some 200 FReD projects.
In 2013, three new Group entities have joined FReD: Crédit Agricole immobilier, Pôle Paiement Groupe and UNI-Editions.

The average assessment of the progress made by each entity will be used to construct a FReD Index, which measures the Crédit Agricole S.A. Group’s social performance. The index will have an impact on senior management compensation throughout the Group, in the same way as operating income, thus demonstrating the strategic importance of CSR policy.


What is FReD? Watch the video to find out more.


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