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Understanding how FReD works

FReD is based on the 3 sets of standards established by the business lines (i.e. the 3 CSR pillars: economic, social and environmental) to create a framework for their entities’ actions:

For the economic segment : FIDES,
For the social segment : RESPECT,
For the environmental segment : DEMETER,


Each of these themes is associated with 19 commitments. Entities must choose 4 areas for each set of standards and organise at least 12 projects.

Learn more: download the methodology guide

  • FIDES, 6 commitments to strengthen trust...


    Protect customers interests

    • Transparency information
    • Client relations
    • Protecting customers data


    Develop products & services which integrate social and societal concerns

    • In investment activities
    • In insurance activities
    • In credit activities
    • In financing activities
    • In savings activities
    • In own funds investment

    Facilitate access to products & services by the largest number

    • To economically vulnerable populations
    • To people with disabilities


    Establish responsible suppliers and subcontractors relations

    • Payment deadlines
    • Mutual dependency... [deploy principles of the "Responsible Charter"]


    Build up dialogue with stakeholders

    • Customers
    • Consumer associations
    • NGOs
    • Local communities
    • Other...


    Be ethic in business and operations

    • Prevent corruption
    • Disloyal practices
    • Fraud
    • Conflicts of interest
    • Market abuse
    • Fight against money laundering
    • Monitor operations
    • Protect employees' personal data


  • RESPECT, 7 commitments to benefit people and our ecosystem...


    Act in lin with the Group's values and cultures

    • Values and cultures of the entities
    • Consistency behaviour


    Encourage staff's devlopment and employability

    • Responsible management
    • Co-constructed career development
    • Anticipate and accompany transformations


    Promote qualify of life at work

    • Health and safety / psychosocial risks
    • Work-life balance


    Promote economic, social and cultural development in local areas

    • Local employment + labour market inclusion + support to local entrepreneurship, ...
    • Dialogue with local communities stakeholders
    • General interest causes
    • Employee involvement


    Promote our social commitments to suppliers and other external stakeholders

    • Selection and supporting suppliers on social issues
    • Dialogue with stakeholders


    Promote staff participation and social dialogue

    • Information to employees
    • Participatory approach
    • Social dialogue


    Ensure equity and promote diversity

    • Fair treatment for anyone
    • Promote diversity


  • DEMETER, 6 commitments to protect the environment...


    Develop "green" products & services [indirect impacts]

    • In investment activities
    • In financing activities
    • In credit activities
    • In insurance activities
    • In savings activities


    Encourage "green" innovation in our industrial production [directs impacts]

    • Eco-design in our production processes


    Control our direct environmental footprint and preserve the nature

    • Energy
    • Paper
    • Waste
    • Transports
    • Biodiversity
    • Water


    Build up dialogue with stakeholders

    • On environmental issues


    Consider environmental factors in purchasing processes

    • Selection and supporting suppliers on environmental issues


    Formalise policies and processes which integrate environmental factors in our activities

    • In investment activities
    • In insurance activities
    • In credit activities
    • In financing activities
    • In savings activities
    • In own funds investment


  • Once the priorities have been set...

    ... Action plans are drawn up


    To be operational, they must have five characteristics:

    • a governance structure
    • a deadline
    • a budget
    • an indicator
    • quantified targets...


    FReD is more than just a support tool; it is also a yardstick designed to assess and monitor the progress of each project.

    Action plans are divided into four stages to simplify progress assessment :

    1 • MANAGE: A policy without any action underteken
    2 • ROLL OUT: Objectives achieved within 50%
    3 • FINALISE: Objectives achieved at 50% or more
    4 • IMPLEMENT: Results that exceed targets


    One progress point is earned when the plan moves to the next level.
    Because FReD was conceived to be objective, it assesses progress rather than absolute values.

    Year after year, the average of each entity’s self-assessments is used to compute the Group’s overall progress on the FReD Index.



The FReD approach

Acting together as a committed and responsible Group
At the heart of the strategy of Crédit Agricole SA, corporate social responsibility (CSR) is now embodied in a process of participatory and evolutionary progress, called FReD

Learn more

FReD’s results

“Crédit Agricole S.A.’s publishes its 6th FReD index
A FReD progress index measuring the Crédit Agricole S.A. Group’s social performance has been approved and published for 2017


Learn more

FReD videos


Interview of Stanislas Pottier, Head of Sustainable development of Crédit Agricole S.A. Group

See videos

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