1- Ensure that each customer has a dedicated advisor who does not work on commission.
Every customer has access to a dedicated advisor tasked with creating and developing a relationship of trust by listening, being proactive, giving relevant advice and providing quality services. These advisors respond to their customers' needs to best serve their interests, without being distracted by sales incentives or personal bonuses.
2- Provide all our employees and directors with anti-discrimination training.
We are committed to achieving progress in the prevention of discrimination through training for all our employees. Inclusion and diversity are key elements of our strategy, under which all candidates and talent are welcomed and valued so that our differences complement each other and become an asset and driver of creativity.
3- Recruit 25% of work-study employees from priority neighborhoods and rural areas.
These young people are our future and supporting their career development is our duty. As part of its DNA and the values it upholds, CIC is deeply rooted in and committed to the regions, working day in and day out to ensure that everyone has the same opportunities to access employment.
4- Defend gender pay equality at all levels of the bank.
Pay equality is one lever for achieving parity as part of a career development plan for women. For the last several years, we have emphasized parity in appointments to senior and executive management positions. No director training session takes place without parity.
5- Guarantee the privacy of our customers' data by processing 99.9% of their information in our infrastructure and systems based in France.
CIC puts technology to work to ensure the development, security and protection of customer data. It does this by investing heavily in its IT infrastructure through datacenters and a private cloud installed and managed internally. We draw on all of our technical, financial and human resources to preserve the integrity and privacy of our customers' data.
6- Invest productivity gains from artificial intelligence in employment and development.
7- Base decision-making centers in the regions with more than 90% of our loan decisions made at branches.
Drawing on our network of 1,800 branches, we strive to ensure that all decisions are made locally, as close as possible to the customer. Making decisions locally ensures that our customers get a quick response.
8- Offer the Pay Asso digital payment solution1 to our non-profit customers and third-party liability insurance to their managers2.
To encourage those who engage, we offer up to €50,000 in third-party liability insurance for managers of cultural and sports associations that are CIC customers. In the context of an unprecedented health crisis, we also make it easier for cultural and sports associations to manage their day-to-day affairs by offering free access to the Pay Asso1 electronic payment solution. This is our way of demonstrating our commitment to those involved in the local non-profit sector.
9- Invest 5% of our equity mainly in French innovative companies.
10- Reduce the group's carbon emissions by 20% and the carbon footprint of our investment portfolios by 12% by the end of 20223.
11- Stop financing new oil and gas projects immediately.
12- Insure our loyal customers’ mortgage loans without any medical formalities4.
To ensure that health no longer poses an obstacle to home ownership, CIC has eliminated medical formalities for loyal customers taking out a loan to purchase their primary residence, regardless of their health status. This measure reflects our commitment to protect those who put their trust in us and facilitates their access to borrowing.
13- Protect our financially vulnerable customers by offering them an account for €1 a month, with no rejected payment charges.
Because the lowest-income customers need support, we offer Service Accueil (see terms and conditions), a current account with no rejected payment charges, a dedicated advisor and a nearby branch, for €1 a month.
In this way, CIC offers the best socially responsible banking solution for financially vulnerable individuals that includes all the services they need to manage their accounts and keep up with their day-to-day expenses.