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Ethics in business

The introduction of a Group-wide Code of Conduct


With today's accelerating regulatory and social changes relative to compliance and ethical requirements, banks are faced with a real transformation in their business environment:

  • pressure from supervisory authorities is growing, reflected in an increase in penalties. These authorities are also encouraging banks to foster a culture of ethics and compliance;
  • the number of non-financial ratings agencies that integrate the existence of this culture in their questionnaires and company assessments is increasing;
  • the markets are paying more and more attention to these issues, a reflection of the major risks that ethical misconduct may generate for businesses;
  • civil society (trade unions, NGOs, professional organisations, etc.) is increasingly attentive to this issue and is taking a stronger stance on ethics and morality.


For the first time in its history, Crédit Agricole has introduced a Code of Conduct common to the entire Group, applying to the Regional Banks, Fédération Nationale du Crédit Agricole, Crédit Agricole S.A. and its subsidiaries around the world. The Code of Conduct, signed by the Group's executives and upheld by all the governing bodies, underscores Crédit Agricole's values of customer-centricity, responsibility and solidarity. It reaffirms them powerfully for a Group present in over 50 countries that conducts its business in often complex environments. The Code constitutes a reference document setting out principles on the actions and behaviour to respect in our daily business with clients, employees, suppliers, society and all the stakeholders. It is on the basis of this document that all the other charters, codes of conduct and internal rules at all the Group's entities and businesses will be implemented or adjusted.


Watch the four information videos