Crédit Agricole works alongside Emmaüs to manage recycling of the Group’s computer and electronics equipment.
Crédit Agricole was voted Environmental, Social and Governance Bank of the Year for 2007 by The Banker (28 November 2007).

Environmental indicators

As in previous years, an energy and water consumption audit was carried out of part of the Crédit Agricole S.A. Group’s operations in the Paris region (i.e. 500,000 m²), managed by Crédit Agricole Immobilier.
The study concerned premises in the Paris region divided between the four areas occupied by the Group and its subsidiaries managed by Crédit Agricole Immobilier.

In 2008, the scope of energy consumption reporting was extended on a test basis to Sofinco/Finaref, Emporiki and Cariparma. Only Emporiki’s energy and water consumption could be included in the scope of consolidation, as the other entities’ consumption was not exploitable as at 31 December 2008. The reliability of the reporting procedures of the entities defined will be ensured in order to continue to extend the scope of consolidation.

Energy and water consumption indicators are presented in the form of tables summarising consumption over the year, measured according to the new scope of consolidation, on an updated basis.

In addition, data for each year shall be expressed in kWh or m3 per m2 and per year in order to make comparisons easier.

Lastly, the consolidated data below is on a rolling basis from November 2007 to November 2008.

Energie consumption

The total scope managed by Crédit Agricole Immobilier across the Group’s four main sites in the Paris region amounted to over 500,000 m² in 2007.
However, only consumption for which the Group pays directly, i.e. over 485,000 m², is taken into account in the following table. Consumption included in rental charges is not stated separately at present.

The indicators chosen for this year concern electricity, gas and district heating consumption. Heating oil is not collected at present.
Data in the table refer to the 2008 reporting of fluid and energy consumption meters.
All energy consumption is also consolidated in the form of an indicator expressed as the tonnes of carbon dioxide equivalent depending on the different energy sources.

- In 2008

ENERGY			Crédit Agricole Immobilier	Emporiki
ELECTRICITY	Scope concerned	(%)	99	100
	Scope concerned	m²	480,635	217,986
	Consumption	kWh	96,727,452	30,913, 093
	Ratio kWh/m²/year		201	142
	t CO2e/year		4,593*	25,163*
GAS	Scope concerned	(%)	100	100
	Scope concerned	m²	79, 592**	639**
	Consumption	kWh	3,503,288	28,794
	Ratio kWh/m²/year		44	45
	t CO2e/year		813*	7*
DISTRICT HEATING	Scope concerned	(%)	85	Not concerned
	Scope concerned	m²	91,209**
	Consumption	kWh	7,981,668
	Ratio kWh/m²/year		88
	t CO2e/year		1,712*

* Calculated on the basis of the following carbon dioxide emission factors:

Electricity and gas (France and Greece): emission factors of V4 of the ADEME carbon assessment (Bilan Carbone^TM);
District heating: CPCU emission factor and V4 of the ADEME carbon assessment (Bilan Carbone^TM).

2007 figures have been re-updated on the basis of these new coefficients.

** Only a small portion of buildings in the scope taken into account use gas or district heating.

- Comparison with 2007 (Crédit Agricole Immobilier scope)

ENERGY (kWh/m2/year)	2007	2008	% change
ELECTRICITY	211	201	-4.74%
GAS	56	44	-21.,43%
DISTRICT HEATING	89	88	-1.12%

Water consumption

- In 2008

			Crédit Agricole Immobilier	Emporiki
WATER	Scope concerned	%	47%	76%
	Scope concerned	m²	226,686	165, 104
	Consumption	m³	223,389	64,304
	Ratio m³/m²/year		0.99	0.39

- Comparison with 2007 (Crédit Agricole Immobilier scope)

m³/m²/year	2007		2008	Variation
WATER	0.918		0.99	+ 7.,84%

The increase of the ratio of water consumption per m² is due to major leaks at two facilities containing cooling towers, which use a large amount of water.

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