Crédit Mutuel Group - 2018 Activity Report 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. (ACM), manifests its mutual values Because responding as closely as possible to local needs also means working to strengthen social more clearly than ever, particularly SNSM AND CRÉDIT MUTUEL: by maintaining medical clearance ties 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. A CERTAIN IDEA of a new loan (the only insurer OF SOLIDARITY to do so in the market) and by offering genuine risk insurance that SELECTED PIECES… Three questions for Marc Sauvagnac, excludes no profession or sport. CRÉDIT MUTUEL IS THE OFFICIAL PARTNER Head of the French sea rescue association The group guarantees access to OF THE SEA RESCUE BODY “MILLE SNSM” Société Nationale des Sauveteurs en Mer credit for all its customers while (SNSM) limiting excessive pricing practices Because commitment and solidarity are part of its DNA, so that the cost of borrower Crédit Mutuel is a natural partner for the French Sea Rescue insurance does not dissuade association, SNSM (Société Nationale des Sauveteurs en Mer). What are the main values people from borrowing. Training, involvement and responsibility building: all missions that guide your action? common to both entities, favoring professionalism and M.S.: 50 years ago, at the government’s request, two voluntary proximity, against storm and tide. bodies merged to create SNSM in the form of an officially recognized not-for-profit organization. Our lifeguards, who come from all walks WEST INDIES: SOLIDARITY SCHOOL of life, share strong values of commitment, courage, friendship and The “Le jardin des pitchouns” nursery school was completely solidarity. Our 8,000 volunteer lifeguards, who each year assist devastated when Hurricane Irma hit the West Indies in nearly 30,000 people at sea or on beaches, sometimes risk their September 2017. The “Solidarité Crédit Mutuel Antilles” own lives to do so. This solidarity calls for respect and needs to be association managed to collectnearly €200,000 in donations better recognized and supported. from Crédit Mutuel customers and members. This enabled the school to be rebuilt, and it reopened on January 8, 2018. Do you think that, in today’s society, these values are still motivating forces? WELL DESERVED COMFORT FOR SENIOR M.S.: Society is now more individualist than in the past. We can CITIZENS IN LE NORD nonetheless see the extent to which people can still be mobilized June 2018: for a just cause or meaningful project. Young people are not afraid Crédit Mutuel Nord Europe serves the inhabitants of its local opening of the complex to leave the trodden path to give greater meaning to their lives. territories in a responsible way through its investments. in the presence of This is the case of our young lifeguards, who dedicate a considerable The Happy Senior Coeur des Flandres serviced apartments Éric Charpentier, amount of their time to training in addition to their studies and complex is clear proof of this, consisting of 126 rental Chief Executive Officer apartments designed specifically to facilitate the occupants of Crédit Mutuel Nord watch over our beaches in the summer. ’ daily life and ensure their comfort. Europe and Patrice Genre, Chairman, La Française You recently entered into a partnership Real Estate Partners. CRÉDIT MUTUEL ARKÉA LAUNCHES with ConfédérationNationale du CréditMutuel. What attracted you to this company? When SKILL-SPONSORING INITIATIVES M.S.: Our respective images fit well and reflect the two institutions’ Group employees aged over 59 can make their know-howganization for a set periodavailable to a not-for-profit or respectiits customers; SNSM is a not-for-profit organization that belongsve values. Crédit Mutuel is a mutual bank that belongs tomusic rings out... during their working hours. In this way, 1,000 days of work to its members. Both bodies are very decentralized and dedicated were donated to local not-for-profit organizations, i.e. to the principles of subsidiarity and independence. Both institutions Le Printemps de Bourges festival the equivalent of five full-time contracts. This scheme, prize solidarity highly, at sea in our case and between the local generally marks the start of part of Crédit Mutuel Arkéa’s end-of-career HR management, banks in the case of CNCM. We were made for each other! the music festival season. represents a gradual transition towards retirement Deeply rooted in its regions, for employees. Crédit Mutuel sponsors numerous festivals in all parts of France. 38 39