With FReD, Crédit Agricole CIB is Lead Manager of the Financial Community Telethon

For many years, Crédit Agricole CIB has given its support to the AFM-Telethon. In 2012, it has made a commitment to take on the role of Lead Manager for the Financial Community Telethon (TCF). For over 20 years, the event has brought together a wide range of players from the world of finance – bankers, insurers, financial intermediaries, business lawyers tax advisors and more – in an atmosphere of fun and sport.
Crédit Agricole CIB is sponsoring a race to be held tomorrow, Friday 7 December, in the heart of Paris’ Bercy Village from 6.00 pm until midnight. Over 400 CA CIB employees will take on two different courses:

• a smaller 250-metre loop for walkers. For each circuit completed, a euro will be donated.
• a 650-metre course for runners, encircling the village at the centre of the event. Each circuit will reap a reward of a three-euro donation.

The event is a part of CA CIB’s FReD programme for 2012.
Other Crédit Agricole Group entities are joining with Crédit Agricole CIB in this event: Crédit Agricole S.A., Amundi, CACEIS, LCL, Indosuez Private Banking, Crédit Agricole Assurances and Crédit Agricole Ile de France.

FReD goes further with Socially Responsible Investment

Socially Responsible Investment (SRI) Week took place from 11 to 20 October under the high auspices of the Ministry of Ecology, Sustainable Development and Energy. This is an ideal opportunity to spread the word to all investors, as well as to the general public, about this investment concept that combines financial criteria with Environmental, Social and Governance (ESG) considerations.
Crédit Agricole S.A. has made SRI a centrepiece of its strategic plan. And a number of Group companies have designated it as a priority in their FReD action plan.
Amundi took the lead. An asset manager’s responsibilities go beyond purely financial considerations, so Amundi has opted to gradually integrate ESG criteria into its analytical processes and investment decisions. It expects to achieve significant growth in SRI assets under management, which currently amount to over €60 billion.
Other Group entities have also decided to strengthen or develop initiatives to promote SRI, as Crédit Agricole Assurances, Crédit Agricole Luxembourg, Crédit Agricole Suisse, Crédit Foncier de Monaco (CFM) and LCL.

Disabled employment: “Go for it!” with FreD

Under the 2011-2013 Group Agreement, Crédit Agricole S.A. is committed to recruiting disabled employees, facilitating their integration and keeping them in work. Two other key initiatives are to raise employee awareness of disability issues and make use of the sheltered employment sector*. This policy is organised and operated by the Diversity and Disability unit at Group Human Resources. So far, on a total of nearly 43,000 people in France, the Crédit Agricole S.A. Group has 1,200 disabled employees.
The entities that have signed up to the FReD approach have set disability hiring targets as part of their 2012 action plans, as the increase of the percentage of disabled employees of their workforce, the more systematic use of the sheltered sector for certain orders, or informing managers about best practices in this area.
 
* The sheltered sector is made up of care institutions that enable people with serious disabilities to carry on a professional activity in suitable surroundings. ESATs operate in the market sector and at least 80% of their workforce consists of disabled workers.

CAL&F: FReD recycles mobile phones

Crédit Agricole Leasing & Factoring wants to reduce its impact on the environment, and has made this an objective under the FReD programme. As one step, CAL&F began collecting and recycling mobile phones used in the business. Recycling has since been extended to personal mobiles. So far, 760 personal and business phones have been collected and recycled since April 2011.
Beyond the environmental dimension (savings of CO2 emissions, energy, hazardous waste and more), this move has a solidarity component: it has generated 114 hours of unskilled work. The telephones have been turned over to a vocational rehabilitation facility, which provides work for disabled people. Serviceable telephones are sold. For those that will no longer function, materials are extracted and recycled and the toxic elements processed.
Solidarity goes even further by distributing recycling profits: €3,600 has been turned over to the Sylvain organisation created by Crédit Agricole employees to support persons with neurologically-based disabilities and their families.

Crédit Foncier de Monaco supports employees’ solidarity commitments with FReD

“Employee involvement” is one of the 15 goals that Crédit Foncier de Monaco stated when it launched its FReD programme in May 2011.
To fulfil this promise, CFM has set up a partnership with the Children Future organisation. The group combines sport with humanitarian activities in its annual No Finish Line* event. Rules for the race couldn’t be simpler: run or walk a 1,370- metre circuit of Monaco’s Port Hercules. For every kilometre logged, one euro goes to Children Future to help disadvantaged and sick children.
From 17 to 25 November, more than 130 Crédit Foncier de Monaco employees ran or walked a total of 4,605 kilometres. As a sponsor and partner in the event, the company donated €4,605 to Children Future.

FReD shows many entities how to commit to responsible paper policy

Paper accounts for a big share of service firms’ environmental footprint. To make that footprint smaller, in 2011 the Crédit Agricole S.A. Group launched a new paper policy based on trimming consumption, buying responsibly and recycling paper used with printers, photocopiers and other office machines.
Three objectives were quantified:

• cutting paper use 25% by end-2014;
• shifting to 100% “responsible” paper (recycled or from eco-managed forests) by end-2014;
• recycling 100% of paper collected in-house by end-2012.

In line with these objectives, many Group entities have chosen paper as a focus of one of their 15 FReD action plans: Amundi, CACEIS, CA Indosuez Private Banking, Cariparma Crédit Agricole Group, Crédit Agricole Assurances, Crédit Agricole CIB, Crédit Agricole Consumer Finance, Crédit Agricole S.A. (the central group) and LCL.

FReD goes further with Socially Responsible Investment

Socially Responsible Investment (SRI) Week will take place from 11 to 20 October under the high auspices of the Ministry of Ecology, Sustainable Development and Energy. This is an ideal opportunity to spread the word to all investors, as well as to the general public, about this investment concept that combines financial criteria with Environmental, Social and Governance (ESG) considerations.
Crédit Agricole S.A. has made SRI a centrepiece of its strategic plan. And a number of Group companies have designated it as a priority in their FReD action plan.
Amundi has taken the lead. An asset manager’s responsibilities go beyond purely financial considerations, so Amundi has opted to gradually integrate ESG criteria into its analytical processes and investment decisions. It expects to achieve significant growth in SRI assets under management, which currently amount to over €60 billion.
Other Group entities have also decided to strengthen or develop initiatives to promote SRI: Crédit Agricole Assurances, Crédit Agricole Luxembourg, Crédit Agricole Suisse, Crédit Foncier de Monaco (CFM) and LCL.

At CACIB, FReD steps up its assessment of environmental and social risk

One of Crédit Agricole CIB’s 15 FReD action plans involves extending the scope of application of the Equator Principles to all financing dedicated to the construction of an industrial asset (any industrial facility or infrastructure). The aim is to gradually extend evaluation and management of environmental risk to all customers. This plan will come into force from the end of 2012.

With FReD, Insurance and Private Banking arms survey climate within their entities

Several Group entities have selected employee satisfaction as one of the indicators of the “Respect” component of their FReD programme:

• At Crédit Agricole Assurances, the mainstreaming of a social survey used to measure satisfaction levels among staff;
• At entities in the Private Banking (Crédit Agricole Luxembourg, Crédit Agricole Suisse et CFM Monaco), the launch in-house surveys which measure staff sentiment, surveys which will lead into entity-specific action plans.

 “FReD wants you” at Crédit Agricole CIB

FReD approach was presented to Crédit Agricole CIB’s employees. The occasion was to explain the process at Group level, to return to the commitments made by the entity in the three pillars of FReD (Fides, Respect, Demeter), but also to present its plan of raising awareness about sustainable development for all employees.
To better acquaint everyone with FReD, a brochure was distributed to all attendees along with badges asserting that “FReD is you” or “FReD wants you”. A promise was made to keep staff regularly updated about progress with action plans via InsideLive, the Crédit Agricole CIB intranet, and by other internal events to be organised.

Preventing psychosocial risks: a FReD priority for CACF

Crédit Agricole Consumer Finance (CACF) has made such prevention a priority focus in its managerial training, especially at the time when managers take up their duties. The specialised consumer credit subsidiary has opted to include this priority in its 15 FReD action plans for 2012. CACF’s awareness campaign is designed to help managers better grasp their role in understanding and preventing psychosocial risks and to become better acquainted with the bank’s internal resources which they can deploy to deal with the risks: occupational medicine, social services, and the CHSCT Hygiene and Safety Committee. CACF’s aim is to train all its managers, regardless of their functions, and some 600 have already been trained.

SOLIDAIRES, the programme that supports volunteer work by Group staff

Crédit Agricole S.A. and its affiliates have launched the SOLIDAIRES programme to promote special skills volunteer work. The aim is to enable anyone who so wishes to donate their own time and put their skills to good use on behalf of the charity or voluntary body of their choice.

FReD: post your eco-action snaps to grnpx.com and inspire copycats!

Crédit Agricole S.A. has launched an awareness of its employees to environment friendly gestures, known as eco-action. This awareness is based on a game GreenPix Photo Challenge. The aim is to make eco-actions in connection with the six proposed themes and take a "picture proof" with a phone or a camera. Once the pictures posted on the dedicated site www.grnpx.com, colleagues and friends can vote for their favorite photos.

With FReD, Crédit Agricole Leasing & Factoring boosts road safety for sales teams

Sales staff at Crédit Agricole Leasing & Factoring (CAL&F) have to travel around their sales areas on a daily basis to meet customers and Group contacts. To minimise the road traffic risks in connection with their travelling, CAL&F is implementing an accident prevention programme designed to help drivers identify and anticipate dangerous situations when at the wheel. In partnership with Centaure, a consultancy specialised in this field, the one-day course takes place at regional training centres and alternates hands-on workshops with theory sessions in the classroom. The programme is part of the Respect, safety criterion guidelines aims to train 35 staff per year over the next two years.

FReD drives responsible purchasing policy

The Crédit Agricole S.A. Group has been pursuing a responsible purchasing policy for a number of years. This notably consists in integrating environmental protection principles (eg, eco-design) and social principles (human rights, resource to the sheltered sector) into its specifications, and assessing suppliers on the basis of their CSR practice.
To further this approach, several Group entities (Amundi, CACEIS, Crédit Agricole Leasing & Factoring, Crédit Agricole S.A., Crédit Foncier de Monaco, et LCL) have opted to include it in their FReD action plans, thereby
bolstering the initiatives already underway for the past few years.

FReD: Save energy!

Several years back, the Group committed to a programme to reduce its negative impact on the environment, paying special attention to the need to minimise its energy footprint.
Crédit Agricole S.A. and all its subsidiaries are contributing to this movement.
Some Group entities, as CARIPARMA Crédit Agricole, Crédit Agricole Assurances, Crédit Agricole Private Banking (BGPI, Crédit Agricole Luxembourg, Crédit Agricole Suisse and Crédit Foncier de Monaco) and LCL, have even asked to record their energy savings as part of the FReD initiatives. This array of initiatives is contributing to reaching the target that the Crédit Agricole S.A. Group set itself in late 2011 of cutting its energy consumption by 5% a year over a period of three years (2012-2014).

With FReD, Amundi moves a step closer to integrating CSR criteria into asset management

In signing the Responsible Investment Principles in 2006, Amundi undertook to take ESG (Environment, Social and Corporate Governance) factors into account in its analytical methods and investment decisions.
In the framework of one of its 15 FReD action plans for 2012, Amundi has opted to extend to the ESG space to the questions raised during meetings with a hundred of so companies in which it might invest. Amundi’s financial analysts and fund managers are now tasked with systematically adding the ESG questions defined by the extra-financial analysts to the traditional list of financial questions asked.
The aim is, in particular, to raise the awareness about issues relating to their sustainable development policy among executives of these issuer companies.

FReD gets ready for Domani *

Cariparma Crédit Agricole Group has launched a talent management programme, Domani*, to identify and develop the organisation’s best talent and enhance the skills of this select group.
The programme is one of the 15 FReD commitments for 2012.
In all, 52 employees will embark on a two-year training programme covering technical, managerial and behavioural themes to gain an overview of the entire banking system.
Two courses of study have been planned:

• the University Masters programme, known as Geobank (a certified curriculum), concentrating on key banking topics (e.g. credit, finance and regulation) and managerial practices (e.g. teambuilding, time management and communication);
• the Academic programme, which focuses on managerial development and organisational behaviour.
  Participants will also receive training in inspections and will take part in a strategic planning laboratory. The experience will culminate in personalised experimental internships that will help tomorrow’s leaders set their future career paths.

* “Tomorrow” in Italian.

FReD reduces greenhouse gases in transport

The main contributors to greenhouse gases in offices are business travel and commuting. To reduce these and fight climate change, a majority of Group entities have decided to include transport in their list of FReD action plans. Entities’ have taken numerous actions under the FReD’s Demeter pillar and it will contribute to reduce the Group’s environmental footprint.