The document provides information about a CSR workshop held by Citizen Act, including quizzes about CSR-related topics. The quizzes cover the size of the environmental market globally and in 2020, the Equator Principles for banks, disability rates globally, and Socially Responsible Investing funds in 2010. It also outlines Société Générale's CSR priorities and examples of how it implements CSR through initiatives like the Equator Principles, sustainable banking, carbon markets, diversity programs, and microfinance.

1. CITIZEN ACT Opening Meeting
Workshop: All about CSR!
2nd February 2011
Christine Daoulas – Stéphane Vessières

2. CITIZEN ACT QUIZZ
I : How much money is allocated to the market linked to
the environment in the world?
Definition : The market linked to the environment include all
goods and services linked with this sector :
renewable energies, improvement energetic housing
conditions efficiency, recycling and management of wastes
1/ 590 billions of dollars
2/ 35 billions of dollars
3/ 1370 billions of dollars
Answer 3 : 1370 billions of dollars.
.
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3. CITIZEN ACT QUIZZ
II : How much will this sum represent in 2020 :
1/ It will remain the same
2/ It will double
3/ It will decrease
Answer 2 : It will double
The market linked to environment may double by 2020 and reach a sum
of 2740 billions of dollars. It will generate millions of jobs according to
the report of UNEP (United Nations Environmental Programme).
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4. CITIZEN ACT QUIZZ
III : What are the Equator Principles ?
1/ Crossing the Equator line
2/ A law implemented in Equator
3/ 10 principles established by financial institutions to evaluate and
manage environmental and social issues linked to the financing of
project
Answer 3 : 10 principles established by financial institutions to evaluate
and manage environmental and social issues linked to the financing of
project
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5. CITIZEN ACT QUIZZ
IV: What is the average percentage of disable people in a country?
1/ 10%
2/ 15%
3/ 8%
Answer 1 : 10%
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6. CITIZEN ACT QUIZZ
V: How much money is allocated to Socially Responsible Investing
in the world in 2010?
1/ 2,8 billion euros
2/ 15,6 billion euros
3/ 39,2 billion euros
Answer : 15,6 billion euros allocated against 7,4 billion euros in 2008
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7. Table of contents
1. A day in my life of CSR expert
2. Definition
3. CSR and business
4. CSR and banking industry
5. What are the Equator principles
6. Société Générale and CSR
7. Examples of implemented actions
8. Case study
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8. About me…
A day in my life of CSR
Expert!
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9. Definition
Corporate Responsibility is a concept whereby companies integrate social
and environmental concerns in their business operations and in their
interaction with their stakeholders on a voluntary basis
SOCIAL Equitable ECONOMIC
SUSTAINABLE
Liveable Viable
ENVIRONMENTAL
"Sustainable development is development that meets the needs of the present
without compromising the ability of future generations to meet their own needs."
(Brundtland report, « Our common Future »)
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10. CSR and banking industry
What are the specific challenges facing the bank?
Maintaining consumer confidence, ensuring the sound functioning of
financial and economic systems, contributing towards lasting economic
and social development
Transparency of the activity
Clear, accessible, exhaustive information: rates, clauses, etc.
Transparency Better understanding of the banking sector and its activities (e.g. tax havens, etc.)
Use of funds: what exactly do banks do with their customers' money?
Standards with Bâle II and Bâle III
The human capital factor: HRM and CSR
Ethics and CSR: the aftermath of the financial crisis
Clients’
management Clients’ management
Tailored, ‘personalized’ advice
Fair treatment
Ensuring the delicate balance that ensures a win-win situation for both bank and customer:
is the bank acting in my best interests?
Access to and exclusion from banking services
Over-indebtedness versus over-cautiousness…
Responsibility Responsibility in the investments and financing activities
Does the bank offer "green" and/or charity products (that have a positive impact on
society) and does it contribute towards the creation of a "green" economy?
Does the bank finance (and invest in) activities, projects or businesses that have a negative
impact (dirty money, cluster bombs, etc.)?
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11. Société Générale and CSR
5 core priorities
1. a quality approach focused on the customer and a constant
concern for their satisfaction;
2. a robust system of corporate governance, which is continually being
adapted to the requirements of society;
3. increasingly robust internal control processes and risk management;
4. a comprehensive compliance policy and the application of ethical
values, helping to ensure our long-term performance;
5. a culture of innovation and a collective innovation programme
designed to encourage employees to contribute to the Group’s
development.
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12. Société Générale and CSR
How does Société Générale implement CSR:
1. Equator Principles’ implementation (GLFI/EME)
2. Sustainable banking (Green Finance/ fair trade financing / E&S
criterias…)
3. Carbon market (ORBEO)
4. SRI
5. Supportive products and solidarity-based products
6. Facilitate the access to banking services (BDDF)
7. Support to the creation of a company
8. Micro-finance
9. A responsible management: our HR policy
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13. Société Générale and CSR
• Signature of the Global Compact in 2003
A joint commitment by a group of companies, UN institutions and civil
society focused around universal principles : human rights, labour
standards, environment
• OECD guidelines for enterprises
Voluntary principles and standards for responsible business
practices: publication of information, anti-corruption measures,
taxation, social relationships, consumer protection…
• Signatory of the statement by financial institutions on the environment
and sustainable development (UNEP-FI) (2001)
Unique international partnership between the United Nations
Programme for the Environment and the private banking sector.
• Signatory of the Carbon Disclosure Project (CDP) since 2006
A Rockefeller Philanthropy Advisors initiative supported by the United
Nations Programme for the Environment.
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14. Société Générale and CSR
• Adoption of Equator Principles in 2007
Principles relating to project finance based on the policies and
directives of the World Bank and IFC (International Finance
Corporation).
• Diversity Charter in France
Signed in November 2004 alongside 40 major enterprises
March 2007: Société Générale received the Professional Equality Label
• SGAM Paris signatory of Principles for Responsible Investment (PRI)
in 2006
Integration of environmental, social and corporate governance
issues in the investment decision-making process
• Founding member of the Wolfsberg group in 2000
Global anti-money laundering guidelines
• Participation in market working groups (Orse, EpE, Medef, Afep…)
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15. What are the Equator Principles?
•Equator Principles are : “a financial industry benchmark for determining, assessing
and managing social & environmental risk in project financing”
• Launched in 2003 by ten international banks, EPs have now become a global
standard for project finance
•EPs provide a framework for the environmental and social evaluation of projects:
compliance with IFC social & environmental policies and quantitative environmental
guidelines (outside High Income OECD countries)
• A voluntary agreement, but “Equator has teeth”: Adopters agree that they “will not
provide loans directly to projects where the borrower will not or is unable to comply with
our environmental and social policies and procedures”.
• November 2010, EP has been adopted by around 70 banks
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16. Microfinance
•Policy of developing microfinance activities in
the countries Société Générale operates.
• Société Générale has stakes in 5 MFIs (Ghana,
Madagascar, Mauritania, Cameroon, Burkina Faso)
and in Microcred (a microfinance investment
company - PlanetFinance)
• Partnership with Adie since 2006. EUR 2.5
million credit line providing 789 “solidarity loans”
to micro-businesses.
• Assisted microcredit services with networks
approved by the Caisse des Dépôts et
Consignations ("Restaurants du coeur", "Crésus",
"Secours Catholique", "Centre Communal
d'Actions Sociales")
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17. Diversity
• Equal recognition and opportunities for all employees
àGender Equality Agreement with staff representatives since 2005;
• Drive and coordinate diversity policies and implement tools to monitor and
report on diversity
àDiversity Council (Group, since 2005)
• Develop diversity in management
à Promotion of female executives: the Group is aiming to increase the
percentage of women in senior management to 42% (40% at the end
of 2008)
• Inform and train managers and staff on the importance of diversity
• Pursue the active recruitment and long-term employment of disabled
employees
à A team of 5 for the “Mission Handicap” (France, since 2007)
à Over 200 initiatives aimed at encouraging the long-term employment of
disabled workers
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18. Carbon neutrality project
•A target to reduce CO2 emissions by 11% per
occupant in the period 2008 to 2012
• Constant upgrading of reporting systems
• Introduction of carbon reduction plans for
each business division with annual targets for
energy, travel and paper consumption
• Offsetting scheme via purchase of emission
credits (Paris central services in 2008, France in
2009, Group from 2010) and internal billing.
• Ongoing communication to heighten staff
awareness of climate change and the carbon
economy
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19. The Société Générale Corporate Citizenship
Commitment
The Société Générale Corporate Foundation for Solidarity
The purpose of the Foundation is to :
• improve the employment prospects and literacy of young people
• by supporting both national and local projects.
• develop long-term partneships with national and international charities
including Care, Secours Populaire and the Red Cross.
« Talents & Partage »
It is an association of current and retired Group employees that supports
inititiaves dedicated to :
• children from depraved background,
• elderly peolple in difficulty,
• disabled people,
• favour profesionnal insertion.
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20. CSR assessment by external parties
 What is the correct CSR assessment ?
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21. CSR assessment by external parties
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22. CSR assessment by external parties
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23. CSR assessment by external parties
Several scores, due to :
- different methodologies
- different references
- different scopes
Société Générale answers to all types of questionnaires (CSR
agencies, NGOs, Investors…) and provides its policy and
practices about CSR issues.
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