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2020 Group's Declaration of Extra-Financial Performance (DEFP)

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2020 STATEMENT OF NON-FINANCIAL PERFORMANCE ABOUT CRÉDIT AGRICOLE 1 GROUP 1 Our business model serving sustainable value creation 2 The business lines of Crédit Agricole Group at 31 December 2020 4 Asset gathering 6 Retail banking 8 Specialised Financial Services 15 Large customers 16 Corporate centre 18 NON-FINANCIAL 2 PERFORMANCE 20 Introduction 22 Non-financial risks 23 ESG strategy: being a committed player in a socially acceptable climate transition 29 ESG risk management 68 Results 74 DUTY 3 OF VIGILANCE 86 Legal framework 87 CONTENTS Our commitments 87 Our ethical principles 87 Managing and monitoring the vigilance plan 88 Our approach 88 Methodology for identifying and managing the risks referred to in the current vigilance system 88 Report of the implementation of measures to prevent or mitigate these risks 90 Alert and notification system 95 System for monitoring the actions implemented and evaluating their performance 95 REPORT BY ONE OF THE STATUTORY 4 AUDITORS 98 Report by one of the Statutory Auditors, appointed as an independent third party, on the non-financial information statement included in the Management Report 99 Independent Limited assurance report on the indicators relating to the implementation of the climate strategy presented in Crédit Agricole’s 2020 Management Report 103 1 ABOUT CRÉDIT AGRICOLE GROUP Our business model serving Specialised Financial Services 15 sustainable value creation 2 Consumer finance 15 Leasing & Factoring 16 The business lines of Crédit Agricole Group at 31 December 2020 4 Large customers 16 Corporate and investment banking 16 Asset servicing 17 Asset gathering 6 Insurance 6 Asset management 7 Corporate centre 18 Wealth management 8 CACIF – Crédit Agricole Capital Investissement & Finance 18 Crédit Agricole Immobilier 18 Crédit Agricole Payment Services 19 Retail banking 8 Crédit Agricole Group Infrastructure Platform 19 Regional Banks 8 Uni-médias 19 LCL 11 International retail banking 12 CRÉDIT AGRICOLE S.A. — 2020 Statement of Non-Financial Performance 1 ABOUT CRÉDIT AGRICOLE GROUP 1 Our business model serving sustainable value creation Our business model serving sustainable value creation OUR OUR RESOURCES ACTIVITIES OUR DNA Mutualist and cooperative Group serving all. OUR TALENTS OUR GOVERNANCE 142,000 Solid majority shareholder Crédit Agricole Group ensuring long-term employees. commitment. OUR GEOGRAPHIC OUR CAPITAL FOOTPRINT Shareholders’ equity In France: Group share: • 39 Regional Banks, LCL • Group: €119.6bn and BforBank • Crédit Agricole S.A.: • 8,200 retail banking €65.2bn branches Abroad: OUR FOUNDATION • 48 countries THE REGIONAL BANKS • 52% of Crédit Agricole S.A. employees SOLID COMMITMENTS OUR MULTI-PARTNERSHIP MODEL Utility Human responsibility An organic growth model at the service at the heart reinforced by external expertise of everyone of our model and distribution partnerships in • • OUR TECHNOLOGICAL France and abroad. Sound Supporting CAPITAL and diverse range the economy and of expertise social cohesion Single centre of IT expertise • • serving all of the Group’s Protecting Supporting the business lines. our customers’ transition to other interests and assets sources of energy 2 CRÉDIT AGRICOLE S.A. — 2020 Statement of Non-Financial Performance ABOUT CRÉDIT AGRICOLE GROUP Our business model serving sustainable value creation 1 Working every day in the interest of our customers and society. OUR VALUE CREATION CUSTOMERS SUPPORTING AND ADVISING OUR CUSTOMERS DURING • 1st provider of financing to the French economy THEIR KEY LIFE MOMENTS (€707bn loans outstanding in retail banking) • 1st European asset manager (€1,729bn assets under management) st ELABORATING • 1 insurer in France INVESTMENT SOLUTIONS SHAREHOLDERS AND INVESTORS • Crédit Agricole Group revenues: €34bn(1) PROPOSING • Crédit Agricole S.A. market capitalisation: €30.1bn (2) COMPLEMENTARY • Crédit Agricole S.A. net income: €3.8bn FINANCIAL SERVICES, • €0.80/share distributed to shareholders, (3) PAYMENT SERVICES, REAL ESTATE, ETC. with a scrip dividend option EMPLOYEES PROVIDING FINANCING, SAVINGS AND • 80%(4) participation rate in the Engagement INSURANCE SOLUTIONS and Recommendation Index (ERI) • 5,383(4) hired on permanent contracts • Capital increase reserved for employees with an exceptional 30% discount PUBLIC AUTHORITIES AND PARTNERS • Group procurement: €7.6bn(5) OUR FOUNDATION • Group taxes and social security expenses: €6.8bn THE REGIONAL BANKS CIVIL SOCIETY AND THE ENVIRONMENT OUR 3 STRATEGIC PILLARS • €355.9bn of outstanding ESG multi-criteria solutions(6) • +57% outstanding green loans portfolio for €11.4bn • Patronage: almost €34.4m for local and regional Excellence initiatives in customer relations • Almost 192,000 subscriptions to EKO and LCL • Essentiel (entry-level offers)(7) Empowered teams • Commitment 2020 data. to society (1) Underlying revenues. (2) Underlying net income Group share. (3) Subject to the approval of the General Meeting of 12 May 2021. (4) Crédit Agricole S.A. scope. (5) External expenses. (6) Assets under management invested by Amundi in funds with an “ESG integration” investment process. (7) Cumulative data at end-2020. CRÉDIT AGRICOLE S.A. — 2020 Statement of Non-Financial Performance 3 ABOUT CRÉDIT AGRICOLE GROUP 1 The business lines of Crédit Agricole Group at 31 December 2020 THE BUSINESS LINES OF CRÉDIT AGRICOLE GROUP AT 31 DECEMBER 2020 € ASSET GATHERING RETAIL BANKING INSURANCE REGIONAL BANKS MISSION: as France’s leading insurer(1), Crédit Agricole Assurances is highly MISSION: with locations throughout the country, the 39 Regional Banks are focused on the needs of its customers, whether they are individuals, SMEs co-operative entities and fully-fledged banks that provide support for the plans and small businesses, corporates or farmers. of their customers: individuals, high-net-worth customers, farmers, SMEs and GOAL: to be useful and effective, from designing solutions and services to small businesses, corporates and those working in the public sector and the handling claims. social economy. OUR OFFERING: a full and competitive range, tailored to customers’ needs OUR OFFERING: an advisory approach based on a full range of products and in terms of savings/retirement, death & disability/creditor/group and property services, available in-branch or remotely, that are designed to meet our & casualty insurance, and backed by the efficiency of the largest banking customers’ needs in terms of banking (payments, savings, financing, corporate network in Europe and international partnerships outside the Group. finance, international), insurance (property and casualty and personal risk) KEY FIGURES: and real estate (including advisory and valuation of real estate assets, real Turnover Life insurance Number of property estate management and lease management). €29.4bn outstandings and casualty insurance KEY FIGURES: €308bn contracts 24.8 million 10.9 million 23.5%(4) 14.6 million customers, mutual Market share including 21 million shareholders of household ASSET MANAGEMENT individual customers credit MISSION: Amundi is the leading European asset manager in terms of assets under management and ranks in the top 10 worldwide(2). The Group manages LCL €1,729 billion and has six main management platforms (Boston, Dublin, MISSION: LCL is the only domestic network bank in France to focus exclusively London, Milan, Paris and Tokyo). on retail banking and insurance. It covers all markets: individual customers, OUR OFFERING: Amundi offers its customers in Europe, Asia Pacific, the SMEs and small businesses, and private and corporate banking. Middle East and the Americas a full range of savings and investment solutions OUR OFFERING: a complete range of banking products and services covering in active and passive management, in traditional or real assets. It constantly finance, insurance, savings and wealth management, payments and flow strives to have a positive impact on society and the environment. Amundi’s management. With branches nationwide and an online banking service, the customers can also access a full range of high added value services. aim is to develop a close customer relationship (mobile app and website). KEY FIGURES: KEY FIGURES: Assets under No. 1 European Loans outstanding Total customer assets management Present in more than ≈ 6 million individual asset management €143bn €220bn customers € bn company(2) countries 1,729 35 (including €86bn in home loans) WEALTH MANAGEMENT INTERNATIONAL RETAIL BANKING MISSION: Indosuez Wealth Management comprises Crédit Agricole Group’s wealth management activities(3) in Europe, the Middle East, Asia-Pacific and MISSION: Crédit Agricole’s international retail banks are primarily located in the Americas. Renowned for the breadth of its offering and its international Europe (Italy, Poland, Serbia, and Ukraine), and in selected countries of the reach on a human scale, it operates in 13 territories around the world. Mediterranean basin (Morocco and Egypt), where they serve all types of OUR OFFERING: the tailored approach of Indosuez Wealth Management customers (individuals, small businesses, corporates – from SMEs to allows individual customers to create, manage, protect and pass on their multinationals), in collaboration with the Group’s specialised business lines wealth in a manner which best fits their aspirations. Embracing a global vision, and activities. its multidisciplinary teams draw on excellence, experience and expertise to OUR OFFERING: the international retail banks offer a range of banking and provide
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