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Crédit Agricole Normandie assesses the ESG risks of its Corporate clients

Convinced of the link between business performance and corporate social responsibility (CSR), Crédit Agricole Normandie has incorporated ESG criteria into its lending process, so as to assess clients’ level of CSR maturity (companies with turnover in excess of €3 million).

Accounting and financial data are supplemented by a non-financial assessment: social policy, environmental impacts, carbon footprint, business continuity plan, supply-chain security, customer satisfaction initiatives, certifications and labels. These elements allow for better knowledge of the client (their assets and strategy) and help identify potential ESG risks.

This approach has been rolled out by all project managers at CA Normandie's three Corporate branches and the Large Business branch since June 2017.  To date, 80% of applications for financing have included these elements.

The Franche-Comté Regional Bank has also adopted this approach with a questionnaire included in all applications for financing in 2019.


ESG Risks: Environmental, Social and Governance




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