Review/outlook table

Our review of 2009/outlook for 2010 table shows the projects that we completed during 2009 in various sectors of activity. It also highlights the direction that our social and environmental responsibility (SER) policy will take in 2010.

SER management

SER management
Areas of action in 2009	Status at year-end 2009	Priorities for 2010
Group policy Signature of the Charter of Human Rights Integration of an SER section into subsidiaries’ risk management strategy	Completed Completed	• Deployment of the FreD programme • Implementation of a training application for sustainable development
Audit of SER data • Certification with a moderate level of assurance maintained	Completed	• Continuation and extension of the scope of the audit
International retail banking • Creation of SER committees with the definition of an action plan (Greece, Serbia)	Completed	• Deployment of the Charter of Human Rights
Corporate and investment banking (CIB) • Implementation of a CERES Committee (Committee of Ethics for transactions carrying an Environmental or Social Risk) • Creation of a Sustainable Banking unit • Introduction of an assessment of social and environmental sensitivity for all transactions	Completed Completed Completed	• Continued definition and incorporation of these sensitivity criteria (notably arms and energy sectors) • Implementation of the activity • Drafting with other financial institutions of codes of best practices to promote the usage of the Equator Principles for types of financing other than project financing.
Insurance • Creation of an SER steering committee and a network of sustainable development officers.	Completed	• Implementation of indicators covering the environment, human resources, product range and solidarity.
Investment capital • Signature of the Principles of Responsible Investing	Completed	• Gradual implementation of the principles

Economic responsibility

Economic responsibility
Areas of action in 2009	Status at year-end 2009	Priorities for 2010
• Creation of a cross-functional unit dedicated to fraud prevention • Implementation of coordination committees (business lines, subsidiaries, Regional Banks)	Completed Completed	• Training of staff in internal and external fraud risk • Greater emphasis on reporting on fraud risk steering
• Roll-out of the New Customer Relationship project to Regional Banks • “Federation of Information on Complaints” Project: 15 Regional Banks participating • Fragile customer protection - Support for farming sectors in crisis (dairy sector) - Grameen Crédit Agricole foundation: 14 transactions approved in 10 countries	Continuing In progress Continuing Completed	• Implementation of the customer satisfaction barometer • 20 Regional Banks participating • Continued financing of microfinance transactions in international markets
• Implementation of the Third European Directive on Money-laundering	Completed	• New training in efforts to combat money-laundering

Social responsibility

Social responsibility
Areas of action in 2009	Status at year-end 2009	Priorities for 2010
• Implementation of Peoplec@re, a new HR information system • Charter for parents • Implementation of a “disability barometer” • Compensation policy for senior executives • Accessibility of Crédit Agricole S.A.’s 2008 activity report for the visually impaired • Training of members of the European Committee in SER	Completed Signed Completed Drafted Completed Completed	• Deployment of new features and extension of the scope • Participation in the observatory on parental issues • Deployment of an e-learning tool on “integrating a disabled employee” • Variable compensation of managers indexed to economic and non-economic criteria and implementation of long-term reward systems • Programme to enhance the accessibility of the www.credit-agricole.com web site. Support from an external specialist • New training modules (fundamentals of banking and finance)
• Raising of awareness among suppliers: organisation of a trophy for the most responsible • SER qualification programme for suppliers (SER questionnaire sent with each call for tenders) • Incorporation in the specifications of SER criteria (human rights, eco-design, life cycle analysis, etc.) • Launch of the “Increase in flows to the sheltered sector” project	Renewed Continuing Completed In progress	• 2nd edition of the Horizon Awards • Enrichment of tools made available to buyers by product area • Intensification of trade with the sheltered sector

Environmental responsibility

Environmental responsibility
Areas of action in 2009	Status at year-end 2009	Priorities for 2010
• Training in Crédit Agricole Corporate and Investment Bank, IFCAM**, Purchasing, Industrial and Sectoral Research Participation in the organisation and financing of the Carbon Disclosure Project	Completed Renewed	• Training in purchasing and agriculture
• Organisation of Bio Excellence awards with Agence Bio • Support for “Océans”, a film by Jacques Perrin (due for release in January 2010)	Completed Completed	• Partnership with the WWF
• Documentation of the major principles of Crédit Agricole CIB’s energy policy • Products and services - Marketing of the zero-rate regulated loan (Eco PTZ) - Development of a scoring tool for solar photovoltaic projects (farming customers) - Distribution of “Eco-habitat” loans within Sofinco - Launch of Amundi AFD Avenirs Durables	Completed Completed Completed Completed Completed	• Launch of an improvement programme for the quantification of emissions and incorporation of climate risks • Products and services - Commissioning of an eco-simulator providing housing assistance to individuals - Integration of an SRI range within high-end life insurance policies marketed by Predica, a life insurance subsidiary (analysis concerning mid-range customers) - Incorporation of renewable energies facilities in the base guarantees of the multi-risk home insurance policies of Pacifica, a P&C insurance subsidiary
• Implementation of an Entreprise Transfer Plan at Crédit Agricole S.A. and Crédit Agricole CIB	Completed	• Targets of reducing GES emissions linked to transportation over 3 years: - 25% for Crédit Agricole S.A. - 15% for Crédit Agricole CIB
• Carbon footprint reviews of 26 Regional Banks • Reduction of 15% in energy consumption over 3 years (Crédit Agricole S.A. Group in the Ile de France (Paris) region) • Offset of 7,100 tonnes of energy-related measured CO2 emissions through the purchase of carbon certificates • Extension of the scope of consolidation of energy reporting	Completed In progress Completed In progress	• Implementation and monitoring of environmental indicators at Regional Banks • Reduction of 15% in energy consumption • Continued extension of the scope in France (head offices and branches) and in international markets
• Extension of the scope of consolidation of water consumption	In progress	• Continued extension of the scope in France and in international markets

*SER: social and environmental responsibility

**SD: sustainable development

*** IFCAM: Crédit Agricole Mutuel’s training institute

PARTAGEZ :