SOLIDARITY-BASED AND ENVIRONMENTALLY AWARE PRODUCTS, SERVICES, AND FINANCING COFINANCING WITH THE EBRD In 2013 Societe Generale continued its partnership with the EBRD (European Bank for Reconstruction and Development), which resulted in 13 financing contracts signed for a total of €214 million. The goals were different for each country: stimulating growth in Bulgaria, Serbia, and Croatia; support for individual mortgage loans in Russia; and energy efficiency in Moldova, Macedonia (FYROM), and Serbia. 2 In France, solidarity-based banking that works In 2013, through the generosity of its clients, Societe Generale’s French retail banking network was able to support 48 charities, contributing €1.4 million to them through its solidaritybased products. For the receiving organisations, these contributions serve as a regular stream of funds and a way to raise their profile. The French network’s charitable donation cards give their holders the opportunity to support an organisation they choose from among 24 partners, ranging from CARE and the Pasteur Institute to Petits Frères des Pauvres (poverty relief) and Sauveters en Mer (ocean rescue). Every time a payment is made, Societe Generale pays 5 cents to the chosen organisation. more €80 than million in microfinancing lines of credit, including €4.5 million in France in green financing granted to businesses and 247 million to individuals worldwide in 2013 12,600 green vehicles managed by ALD Automotive (up 70% in 2013). Its fleet of 4,000 electric vehicles is probably the world's largest ALD AUTOMOTIVE, DRIVING GREEN INNOVATION England's MPG Marathon and Sweden's ALD Fuel Race are both car racing championships supported by ALD Automotive, Societe Generale's vehicle leasing subsidiary. More importantly, they are fuel economy competitions that demonstrate the impact of driving styles on consumption. ALD is committed to finding new ways to make transportation sustainable and it consistently offers innovative solutions that foster car sharing, flexibility and multimodal transportation. In 2013 it launched a rewards system in the United Kingdom to incentivise drivers to use less fuel. In Belgium and the Netherlands, it even set up a telecommuting service with offices for mobile workers, allowing them to reduce their time spent travelling. The bank also offers a solidarity-based savings service for certain forms of interest-bearing accounts (Livret A, LDD, etc.) that allows clients to contribute 25, 50, 75, or 100% of their interest to one, two, or three associations. These donations get special tax treatment and a 10% top-up from Societe Generale. Another form of donation is Filigrane, the JAZZ offer’s loyalty programme, which lets account-holders convert their points into donations to associations, which are also matched by the bank. 55 I SOCIETE GENERALE 2013-2014 TEAM SPIRIT €627million
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