Key points of the Crédit Mutuel Group _ WHEN OUR VALUES Medical clearance COME INTO PLAY Crédit Mutuel’s insurance arm, Jobs, senior citizens, professional inclusion, young people, sport, disabilities, housing, etc. Assurances du Crédit Mutuel In 2018, solidarity once again took on thousands of facets at Crédit Mutuel. Because (ACM), manifests its mutual values more clearly than ever, particularly responding as closely as possible to local needs also means working to strengthen social ties by maintaining medical clearance and acting in favor of people in vulnerable situations. More than a vocation, this is a constant for borrower insurance in the case commitment to bring a spirit of mutual aid and a spirit of enterprise into play - in concert. of a new loan (the only insurer to do so in the market) and by offering genuine risk insurance that excludes no profession or sport. Selectedpieces… SNSM AND CRÉDIT MUTUEL: The group guarantees access to credit for all its customers while CRÉDIT MUTUEL IS OFFICIAL PARTNER A CERTAIN IDEA limiting excessive pricing practices OF THE SEA RESCUE BODY “MILLE SNSM” OF SOLIDARITY so that the cost of borrower insurance does not dissuade Because commitment and solidarity are part of its DNA, Three questions for Marc Sauvagn people from borrowing. Crédit Mutuel is a natural partner for the French Sea Rescue ac, association, SNSM (Société Nationale des Sauveteurs en Head of the French sea rescue body Société Mer). Training, involvement and responsibility building: all Nationale des Sauveteurs en Mer (SNSM) missions common to both entities, favoring professionalism and proximity, against storm and tide What are the main values that guide your action? WEST INDIES: SOLIDARITY SCHOOL M.S.: 50 years ago, at the government’s request, two voluntary The “Le jardin des pitchouns” nursery school was bodies merged to create SNSM in the form of an officially completely devastated when Hurricane Irma hit the recognized not-for-profit organization. Our lifeguards, who come West Indies in September 2017. The “Solidarité Crédit Mutuel from all walks of life, share strong values of commitment, courage, Antilles” association managed to collect nearly €200,000 friendship and solidarity. Our 8,000 voluntary lifeguards, who in donations from Crédit Mutuel customers and members. each year assist nearly 30,000 people at sea or on beaches, This enabled the school to be rebuilt, and it reopened sometimes risk their own lives to do so. This solidarity calls for on January 8, 2018. respect and needs to be better recognized and supported. WELL DESERVED COMFORT June 2018: inauguration Do you think that, in today’s society, FOR SENIOR CITIZENS IN LE NORD of the complex attended these values are still motivating forces? by Éric Charpentier, Crédit Mutuel Nord Europe serves the inhabitants of its Chief Executive Officer M.S.: Society is now more individualist than in the past. We can local territories in a responsible way through its investments. of Crédit Mutuel Nord nonetheless see the extent to which people can still be mobilized The Happy Senior Coeur des Flandres serviced apartments Europe and Patrice Genre, for a just cause or meaningful project. Young people are not afraid complex is clear proof of this, consisting of 126 rental Chairman of La Française to leave the trodden path to give greater meaning to their lives. apartments designed specifically to facilitate the occupants’ Real Estate Partners. This is the case of our young lifeguards, who dedicate a considerable daily life and ensure their comfort. amount of their time to training in addition to their studies and watch over our beaches in the summer. When CRÉDIT MUTUEL ARKÉA LAUNCHES music SKILL-SPONSORING INITIATIVES You recently entered into a partnership with Group employees aged over 59 can make their know-how ConféWhat attracted you to this company?dération Nationale du Crédit Mutuel. rings out available to a not-for-profit organization for a set period M.S.: Our respective images fit well and reflect the two institutions’ during their working hours. In this way, 1,000 days of Le Printemps de Bourges work were donated to local not-for-profit organizations, i.e. respective values. Crédit Mutuel is a mutual bank that belongs festival generally marks the equivalent of five full-time contracts. This scheme, part to its customers; SNSM is a not-for-profit organization that the start of the music festivals sea- of Arkéa’s end-of-career HR management, represents belongs to its members. Both bodies are very decentralized and son. Deeply rooted in a gradual transition towards retirement for employees. dedicated to the principles of subsidiarity and independence. Both its regions, Crédit Mutuel institutions prize solidarity highly, at sea in our case and between sponsors numerous festivals the local banks inthe case of CNCM. in all parts of France. We were made for each other! 18 19