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Corporate Social Responsibility (CSR) is a company’s responsibility vis-à-vis the impacts of its decisions and activities on society and on the environment. It is manifested by transparent and ethical behaviours that:

  • contribute to sustainable development
  • take account of the expectations of the company’s internal and external stakeholders (customers, employees, shareholders, competitors, public authorities, suppliers, NGOs and the media, etc.)
  • comply with the laws in force
  • are incorporated into the entire organisation and implemented in its relationships

Crédit Agricole Assurances’ CSR strategy, which is consistent with that employed by the Crédit Agricole Group, is coordinated via the FReD system which encompasses the CSR actions of most of the Group’s entities. Launched in 2009, it has been embraced by all of CAA’s entities in France and abroad.

Key issues and strategy

In response to the key issues facing the company – including those relating to supply and investments, which are the current priorities – Crédit Agricole Assurances has developed a CSR policy that defines the scope of its actions and is adapted to its three roles: as an insurer, an investor and an employer.

Three roles of CRS


Examples of projects and achievements:

  • publication of a policy to incorporate extra-financial criteria into investment processes
  • establishment of a support scheme for care-giving employees in the framework of occupational quality of life programmes
  • price reductions for electric and hybrid vehicles for customers taking out automobile insurance policies
  • proposal of health prevention actions to our customers 
  • creation of a Solidarity scheme dedicated to our employees who are committed to developing a solidarity culture 
  • launching a reforestation operation via subscriptions to a personal risk policy



Focus on the FReD index

FReD* is the name of the system used to coordinate the Crédit Agricole Group’s CSR strategy in which Crédit Agricole Assurances participates.

FReD is a participative and adaptable scheme designed to promote and continuously improve the Crédit Agricole S.A. Group’s CSR actions while leaving subsidiaries the freedom to choose their priorities. This approach is based on three reference standards that correspond to the three dimensions of sustainable development:

  • FIDES: economic component
  • RESPECT: social component
  • DEMETER: environmental component

Each year, a FReD action plan is defined, comprising 12 projects (4 actions per dimension). This action plan leads to the calculation of an index that has an impact on the variable remuneration of directors and which constitutes one of the criteria for the CAAS incentive remuneration scheme.

Further information: CAsa website


Code of Conduct of Crédit Agricole Assurances

Following in the wake of the Crédit Agricole Group’s Ethical Charter, published in June 2017, the Crédit Agricole Assurances Code of Conduct has been drawn up to clarify and provide a framework for the Group’s approaches to Sustainable Development and Citizenship issues. It is now at your disposal.



Gender Equality Index

In the framework of the law for the freedom to choose one's professional future of September 5, 2018, here are the indexes of the two main employers of the Crédit Agricole Assurances group :

- For Crédit Agricole Assurances Solutions, the index is 87/100

- For Pacifica, the index is 79/100


News CSR

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