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CSR, a factor of sustainable performance for Crédit Agricole Group

The Crédit Agricole Group, with its cooperative and mutualist roots and history, possesses a DNA and governance that predispose it to investing in the resilience of the territories it works in, the sustainability of the projects that it finances, the usefulness for its clients in the long term, and the sharing of the value created, with a particular emphasis on solidarity. 

  • Find out more about our CSR model





    2016 CSR Report :

    Registration document 2015 :


  • Our CSR performance indicators


    ► New Transition €28 BN

    ► Green Bonds €1,1 BN

    ► Renwable energy financing in France +21%

    ► € 150 millionFinancing Energy Transition by Amundi

    ► 777 SMEs and mid-caps supported with €3bn in investments
    ► 17,000 local projects supported with €30m
    ► Leading financer of renewable energies and energy efficiency in France
    ► Over 2,800 MW providing energy to 1.25 million French households 




    ► 75,000 people supported through Crédit Agricole’s “Points Passerelle” network since 1979
    ► 1,360 professional microloans granted in 2014 as part of the partnership with the ADI association
    ► Increase in proportion of women in top management over 3 years
    ► 71% of the high-potential employees participating in the “Move Forward Leadership and Diversity” programme are women
    ► Employees with disabilities account for 5.27% of the workforce at the Regional Banks




    ► Increase in social-impact funds managed by Amundi
    ► Crédit Agricole CIB is the world leader in euro-denominated responsible issues, with nearly $17.5bn in green bonds, social binds and sustainability bonds arranged in 2015 

    ► 33.34%: the Group’s effective tax rate in 2015

  • FReD, applied CSR for all entities

    FRed logo


    FReD is the global tool for steering and measuring the Group’s progress in terms of CSR. Its three pillars are trust (FIDES), respect for people and territory (RESPECT), and preservation of the environment (DEMETER). With this we have initiated a CSR approach that is guided by a benchmark organised around 19 commitments, for which each entity continuously deploys 15 very concrete actions.


    What is FReD’s part in the Group’s CSR approach?

    The Group’s CSR policy provides a course to steer on CSR issues. FReD is the enforcer for Crédit Agricole S.A. and its subsidiaries.

    Its aim is to involve and mobilise entities, stimulate their initiatives, and spread the use of CSR practices. FReD has enabled the Group’s entities and business lines to take on board and to understand the CSR topics they are expected to implement. Currently, prioritising concrete CSR targets means adjusting FReD’s orientation and improving its contribution to the Group’s overall performance.


    What’s unique about it?

    It is an internal system, in a multi-business, multi-cultural, decentralized group, with variable levels of CSR maturity. With FReD we move forward together, keeping the most advanced on their toes without stigmatizing those less advanced, and each one fits into a dynamic of ongoing, participatory progress, sharing the best practices and innovative actions of all.

    Learn more about the approach FRED

  • Being a committed Group

    For over 10 years, Crédit Agricole has demonstrated its involvement through its various commitments, many of which have focused on the development of “climate finance”.


    Signatory of the:

    •   United Nations Global Compact since 2003;

    •   Equator Principles since 2003;

    •   Principles for Responsible Investment since 2006;

    •   Diversity Charter since 2008;

    •   Sustainable Purchasing Charter since 2010;

    •   Science Based Targets since 2016 ;

    •   RE 100 since 2016.


    Co-founding member of the:

    •   Green Bonds Principles since 2014;

    •   Portfolio Decarbonization Coalition since 2014;

    •   Mainstreaming of Climate Action Within Financial Institutions since 2015;

    •   Catalytic Finance Initiative since 2015;

    •   French Business Climate Pledge since 2015;

    •   BBCA association (low-carbon building) since 2015.


    Participant in the:

    •   Call for carbon pricing at the initiative of the World Bank Group in 2014;

    •   Montreal Carbon Pledge since 2015;

    •   Paris Appeal on Climate Change since end 2015.

    •   IIRC since 2016.

    RSE engagé

Our policy in 1'30

Our sector policies

The Group integrates social and environmental criteria in its financing choices. It makes those choices on the basis of policies on activity sectors with the greatest potential impacts, such as arms, energy, mining and metals, transport and transport infrastructure, and forests and palm oil.

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Our actions

Crédit Agricole's CSR commitments are reflected day in day out by concerted action at each Group entity 

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Use of customer data

Charter on the Use of Customer Data
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