BRED
A RESPONSIBLE GROUP
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Corporate Social Responsibility (CSR)
According to its purpose and its ethical values as a cooperative bank, BRED's activity is focused on the regional economic development, thus contributing to the support of local employment. Beyond its economic dimension, BRED's local commitment is also reflected in its corporate philanthropy, promoting professional integration, equal opportunities and knowledge transfer.
In accordance with its values, BRED has a human resources management policy that promotes all forms of diversity.
Aware of climate issues, BRED has put in place an action plan to reduce its direct environmental footprint between 2019 and 2024 and to steer the alignment of its carbon trajectory with that of the Paris Agreement on climate change. Our actions focus on reducing energy consumption and achieving digital sobriety and responsible mobility.


Our Governance
Since 2018, BRED’s credit policy has taken into account the analysis of extra-financial risks, incorporating environmental, social and governance (ESG) criteria. This approach provides us useful knowledge to support the ecological and environmental transition of our customers, which can lead to the implementation of impact financing.
BRED pays attention to supply chain transparency. A Responsible Purchasing charter is integrated into our supplier contracts, and we are looking for increased collaboration with companies hiring people with disabilities.
BRED’s CSR policy focuses on the most relevant SDGs related to our activities.











2021 Extra-financial performance report - 1,44 Mo Groupe BPCE's Code of Conduct and Ethics - 1,65 Mo Groupe BPCE's 2024 strategic plan - 4,26 Mo Groupe BPCE's 2021 Climate Report - 15,3 Mo BPCE gender charter and guide - 268 Ko Geolocation of BRED's social impact actions Our commitments - Fundamental rights and social base - 344 Ko







Engaging width our customers and our regions
Our economic responsibility
To finance the real economy of its territories and support its customers, in proximity, BRED relies on an renovated and densified branch network, with more than 400 sites in Metropolitan France and the DOM-TOM. For its purchases, BRED uses local businesses to support local commerce and local entrepreneurship, while reducing its carbon footprint.
2022 data
2022 data
Since 2019, 25 student candidates for competitive entrance examinations for Grandes Ecoles have benefited each year from support and a scholarship thanks to the “HEC pour tous” program.
Our corporate philanthropy policy
Since 1997, we have been offering our expertise to the Adie association(4) in the evaluation of projects, enabling the association to finance microloans for its self-employed customers. BRED is also a sponsor of the "I Become an Entrepreneur" programme and the "Créadie jeunes" competition, which rewards micro-entrepreneurs who contribute to local economic development.
Equal opportunities are one of the main focuses of BRED's corporate philanthropy policy. Indeed, since 2018, BRED has been a partner of the "Prépa HEC pour Tous" programme for scholarship in preparatory class. We also actively support the "Campus for High School Innovation" programme, intended for the dissemination of the knowledge of the Collège de France, particularly in the field of economics, for middle and high schools in disadvantaged neighbourhoods and rural areas.
Since 2012, BRED has been a sponsor of Habitat et Humanisme Ile-de-France. This association aims to fight against the exclusion and isolation of people in need. It acts in favour of housing, integration and the strengthening of social ties. In 2020, 1,800 new families were housed by Habitat et Humanisme, an association present in more than 80 departments.
The democratization of access to art and culture is a key point of BRED's corporate philanthropy. This is why, in 2021, BRED supported the "Lire au Grand Large" festival in Guadeloupe, an event that allows access to reading for all and works against illiteracy. Likewise, we support the Heritage Days organized by the Collège de France, including the 2022 exhibition "Champollion, 1822 and ancient Egypt regained its word".
(4) Adie, Association for the Right to Economic Initiative
Engaging with our employees
The Professional Equality Label awarded by AFNOR rewards BRED's daily commitment to gender equality in the management of its human resources. In 2020, it was renewed for four years. The BRED Pluriel association, led by employees, promotes diversity and gender balance.
BRED's Disability Mission, created in 2008, supports the integration and retention of disabled workers. In 2021, 17 workstations have been set up for our disabled employees. Among this improvement, 12 have benefitted from the intervention of an ergonomist. In addition, since 1992, the Banque Populaire Foundation has granted long-term support and a grant of €1,000 to €15,000 per year to 484 people with disabilities.
2022 data
2022 data
A responsible employer
Through consultation management meetings, we make every effort to improve the daily lives of our employees and regularly measure their satisfaction by means of an anonymous survey, conducted by an independent third party.
Company agreements, living conditions at work, teleworking, renovation of agencies and headquarters in an eco-responsible approach, and promoting access for people with reduced mobility are part of a process aimed at improving the quality of life at work. In January 2021, a new agreement on Quality of Life at Work was signed for three years.
Our environmental responsibility
In 2022, BRED's carbon emissions, relative to its NBI, amounted to 23,1 Teq of CO2(6) per M€, down 24,5 % compared to 2019. This year, nearly 155 M€ were invested in financing infrastructure projects with positive environmental and social impacts.
We invest primarily in strategic sectors of the ecological transition supported by the government and Europe, such as green mobility. As such, BRED participated in financing the very first French project for the deployment of charging stations for electric vehicles.
For instance, on average, 25 % of our employees in France teleworked, at the rate of 1,5 days a week, by 2024.
2022 data
(5) Environment and Energy Management Agency
(6) Teq, tonnes equivalent
(7) GHG emissions audit published by the ADEME : ADEME GHG audits website
2022 data
In addition, BRED considers that the energy and ecological transition is a crucial issue for our future. Indeed, it has increased its investments for the energy and ecological transition by 25 % compared to 2020.
In the field of responsible digital technology, Groupe BPCE aims to reduce the carbon footprint of its IT by 15 % and improve the energy efficiency of its data centers by 10 %. It also sets itself the ambition of reducing by 86%, by 2024, the number of desktop PCs in favor of laptops.
Finally, it commits itself, in particular by financing the Land Degradation Neutrality fund. It hopes to restore 500,000 hectares of degraded land and prevent 35 million tonnes of CO2. BRED supports these projects in Peru, Kenya and Indonesia where the aim is to create more than 100,000 local jobs.
The Land Degradation Neutrality (LDN) fund: an exemplary initiative at the service of the planet - News - Groupe BPCE - Global Financial Services (when you click on Land Degradation Neutrality)
(8) ESAT, Establishment and Assistance Services through Work
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