Contents Group Governance 4 Board of Directors 6 Specialist Committees 6 Heightening awareness to sustainable development 7 1 Responsible finance 8 1.1 Environmental and Social Commitments 10 E&S General Guidelines............................................................10 SectorIal and Cross-Sectorial E&S Policies................................10 Roll-out the E&S principles throughout the business lines..........10 Equator Principles.....................................................................10 1.2 Loyalty of practices and financial transparency 10 Societe Generale code of conduct............................................11 1.3 Implementation of our E&S commitments in our business lines 11 E&S evaluation procedures for transactions...............................11 Customer E&S evaluation procedures.......................................12 Positive Impact Finance............................................................12 Some examples of green finance in France and abroad............14 Socially Responsible Investment................................................15 1.4 Proactive dialogue with stakeholders 16 Expectations and types of relationships with our stakeholders...16 Dialogue with customers...........................................................18 Relations with our shareholders.................................................19 Relations with our employees and employer-employee dialogue.....................................................19 Dialogue with NGOs..................................................................19 Relations with other stakeholders (supervisors/regulators/suppliers, etc.)......................................20 2 Solidarity banking offer 22 2.1 Microfinance 24 Personal microcredit.................................................................26 Micro-insurance experience in Morocco....................................26 2.2 Solidarity products and services in French Retail Banking 26 Cards........................................................................................27 Solidarity savings......................................................................27 Solidarity loyalty programme.....................................................28 Socially responsible investment (SRI).........................................28 2.3 Solidarity products and services in retail banking abroad 28 “Here & There” offer..................................................................28 SG Morocco solidarity card.......................................................30 2.4 Financial education and attention given to over-indebtedness 31 Responsible credit use..............................................................31 Financial education...................................................................31 Over-indebtedness....................................................................32 2.5 Financial inclusion and accessibility 34 Customers with a serious health risk.........................................34 People with disabilities..............................................................35 Some initiatives allow everyone to have access to banking services...................................................................35 2.6 Green banking offer 36 Focus on offers for responsible use of automobile fleets............36 Sustainable Development loans and passbooks........................37 3 Responsible employer: diversity and employability 38 3.1 Workforce 40 Recruitment..............................................................................40 Departures................................................................................40 Outside contractors..................................................................40 3.2 Career: supporting employee achievement 40 Recruitment and integration: initiatives for students and recent graduates..............................40 Training.....................................................................................41 Evaluation: Performance management......................................42 Monetary remuneration.............................................................42 Internal mobility.........................................................................42 3.3 Attention: taking each employee into consideration 43 Social dialogue..........................................................................43 Organisation of work.................................................................43 Employee benefits.....................................................................44 Health and well-being................................................................44 Employee savings and share ownership....................................47 Solidarity and employment........................................................48 3.4 A gility: bringing responsible, innovative, corporate spirit to life 49 Gender parity and diversity........................................................49 Identifying managerial talent......................................................51 4 Environment for its own account and responsible procurement 52 4.1 General policy and achievements regarding the environment 54 Positive assessment of the 2008-2012 carbon strategy............54 Energy efficiency.......................................................................55 Renewable energies..................................................................57 Transport...................................................................................58 Eco-consumption......................................................................60 4.2 General policy and achievements in procurement 66 Responsible procurement.........................................................66 CSR evaluation of suppliers and products and services.............67 Commitment to SMEs...............................................................67 5 Societe Generale and its employees are committed to civil society 70 5.1 Societal and civic actions 72 Societe Generale Corporate Foundation for Solidarity...............72 Employee commitment.............................................................73 Talents & Partage: the dynamic intensifies.................................73 5.2 Musical, cultural, and artistic sponsorship 76 Cultural and artistic sponsorship...............................................76 5.3 Sports sponsorship and partnerships 77 notice to readers The information contained in this 2013 CSR Report provides a summary overview. For a more complete view of our CSR actions and strategy, we also invite you to consult: > the Group’s site csr.societegenerale.com, where you will find: – the table of correspondence of all of the Group’s CSR information with regard to international standards like the GRI, Global Compact, Equator Principles, Grenelle 2 Law, etc. – the report of the Statutory Auditor (E&Y) as part of its moderate assurance engagement; > Societe Generale’s 2013 Registration Document, Chapter 7 – Corporate Social Responsibility. This symbol gives access to more detailed information on our website (interviews, photos and videos)
RSE_2013_UK2
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