Our Vision of Ethics<\/h2>\r\n
Being a responsible financial services provider means acting with transparency, integrity and exemplary conduct. Our activities are grounded in a clear and demanding reference framework that ensures regulatory compliance while affirming our ambition: to make ethics a true driver of trust, performance and positive differentiation.\r\n\r\nOur approach is based on three core principles:<\/p>\r\n \r\n
in our business practices and commercial relationships,<\/p><\/div><\/div>
in our strategic decision-making,<\/p><\/div><\/div>
in our communication and governance.<\/p><\/div><\/div> <\/div>\r\n <\/div>\r\n <\/section>\n\n\n
This ethical culture is embedded on a daily basis through employee behaviour, training and the tools made available to our employees.<\/p>\n\n\r\n <\/div>\r\n
![\"\"](\"https:\/\/www.ca-personalfinancemobility.com\/wp-content\/uploads\/iStock-1373240838-1-1024x683.jpg\")
\r\n <\/div>\r\n <\/section>\r\n\n\n Responsible and Committed Governance<\/h2>\n\n\n\n
The governance of Cr\u00e9dit Agricole Personal Finance & Mobility is structured to ensure a sustainable balance between economic performance, societal impact and regulatory requirements. It aims to prevent non-compliance risks, safeguard the integrity of decision-making and promote responsible business conduct.<\/p>\n\n\n\n
Our ethics and compliance governance is built on:<\/p>\n\n\n\n
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- the involvement of senior management bodies and internal control functions,<\/li>\n\n\n\n
- regular reporting to the Group Executive Committee and the Board of Directors on sensitive ethical matters, significant alerts and any identified breaches,<\/li>\n\n\n\n
- a multidisciplinary team (Compliance, Human Resources, Legal, Sustainable Development) responsible for operational oversight, updating the Code of Conduct and monitoring its application,<\/li>\n\n\n\n
- the key role of managers, who act as ambassadors of ethical culture, relay guidelines and address early warning signs within their teams.<\/li>\n<\/ul>\n\n\n\n
Corporate Social Responsibility (CSR) is fully integrated into this governance framework. Led directly by the Group Executive Committee (GEC), it relies on the CSR Department and the Citizen Engagement Department to coordinate and deploy our initiatives.<\/p>\n\n\r\n <\/div>\r\n
\r\n![\"Groupe](\"https:\/\/www.ca-personalfinancemobility.com\/wp-content\/uploads\/Gouvernance-ethique.png\")
\r\n <\/div>\r\n <\/section>\r\n\n\n\r\n\r\n Tools that Frame our Practices<\/h2>\r\n
To structure and deploy our ethics and compliance approach, we rely on shared reference tools across the Cr\u00e9dit Agricole Group, adapted and implemented within our entities.<\/p>\r\n
\r\n\r\n \r\n\r\n \r\n\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n\r\nThe Cr\u00e9dit Agricole Group Ethics Charter<\/h2>\r\n
\r\nThe Ethics Charter, shared by the entire Group, defines our founding values \u2013 proximity, responsibility and solidarity \u2013 as well as the principles that guide our relationships with all our stakeholders. It expresses our collective ambition to act with integrity, in the best interests of our customers and society.<\/p>\n <\/div>\r\n <\/div>\r\n