The Group offers four types of products geared to different aspects of sustainability :

These products are divided into three categories : SRI funds, renewable energy products, and socially beneficial products.

• Amundi (formerly CAAM) has a subsidiary, IDEAM, that specialises entirely in managing SRI funds.
  
  In March 2009 Amundi launched Amundi Funds Clean Planet to broaden its socially responsible investment range. This subfund provides investors with an opportunity to support companies working with clean technologies such as renewable energy and waste management.
  
  In September 2009 Amundi launched Amundi AFD Avenirs Durables, an SRI mutual fund that allows savers to help finance projects in developing countries. The aim of this product is to generate fresh sources of financing to promote development while catering to savers’ SRI requirements.
• Crédit Agricole Corporate & Investment Bank (formerly Calyon) is a major player in the financing of infrastructures for renewable energies, through both carbon quota trading and brokerage. Its Crédit Agricole Cheuvreux subsidiary actively tracks this market, publishes research and organises conferences.
  
  Crédit Agricole S.A. signed a partnership with EDF, the French power utility, to trade carbon quotas for business customers of Crédit Agricole’s Regional Banks. Unifergie, a subsidiary of Crédit Agricole Leasing working in the energy and environment sectors, has specialised in financing projects in fields such as water and waste treatment, cogeneration plants, wind farms and biomass energy.
  
  In May 2007 Crédit Agricole S.A. and the European Investment Bank signed a partnership to finance projects involving alternative-energy powered equipment for electricity generation in France. "The projects financed by Unifergie are producing so far :
  • 587 million kWh per year in wind energy, the equivalent to the electricity consumption of 235,000 households.
  • 1,200 MW from all the power plants financed (cogeneration, wind, incineration) – the consumption of some 1.5 million households.
  
  In 2007 Crédit Agricole was the first bank to offer “energy saving” loans to its customers in France. These low-interest loans allowed borrowers to postpone repayments by 12-18 months until they received the tax credits they are entitled to when purchasing energy saving equipment.
  
  In 2009 Crédit Agricole launched Eco-prêt, a zero-interest loan for energy-saving expenditure.
  
  In 2009 Crédit Agricole Private Equity (CAPE) acquired a stake in Elettrostudio Energia, an Italian green energy producer working in wind, solar, biomass and hydroelectricity.
• Pacte Vert Tiers-Monde, a shared- return fund distributed by the Crédit Agricole network, pays part of its revenue over to several humanitarian organisations, while LCL’s Habitat et Humanisme fund pays 25% of its interest to the association of the same name, which buys and renovates housing for people in difficulty.
  
  Pacte Solidarité Logement is a savings product offered by the Crédit Agricole Regional Banks that assists underprivileged people with housing. It obtained the Finansol seal of approval for its quality management, social usefulness and transparent use of donations.

It identified a number of priorities, namely to cut CO² emissions and make savings in energy and raw materials. Discussions were then held and actions implemented immediately throughout the Group.

In 2009, as in 2008, the Group offset its CO² emissions from energy consumed in Crédit Agricole S.A. facilities in the Paris metropolitan area. The Group offset a total of 7,100 tonnes of CO² by buying carbon credits originating from two biomass plants in Brazil.

• In 2006 Pacifica, the Group’s property and casualty insurance subsidiary, organised a “papersaving challenge” to reduce expenditure and promote recycling. The initiative achieved a 20% cut in paper consumption, and the money was donated to an organisation in the Nord-Pas-de-Calais region to assist its environmentally-friendly activities. In addition Pacifica provides property and casualty insurance for homeowners who have installed photovoltaic solar panels.
• Amundi is a member of the International Investors Group on Climate Change (IIGCC), a forum composed of asset managers and shareholders who encourage the companies they invest in to integrate climate change into their corporate strategies.

• In June 2007 Crédit Agricole launched the Graines de Paysages operation, distributing wildflower seeds to promote agricultural action in favour of biodiversity, e.g. preserving seeds, replanting hedgerows, maintaining strips of grassland near streams and seeding fallow land with wildflowers. This type of agriculture is certified AB* (organic), and at present covers approximately 2% of agricultural land in France.
• The Forest Stewardship Council (FSC) and the Programme for the Endorsement of Forest Certification Schemes (PEFC) are the two principal international forestry certification bodies. At present, less than 5% of the forests in the world are certified. Crédit Agricole owns 7,000 hectares of forests in France. These are managed according to the sustainable development charter, and the wood is certified to European PEFC standard. As part of its environmental banking products, Crédit Agricole offers “forest savings accounts” to communities in woodland areas to help them renew their forestry resources.
• On 18 May 2009 Crédit Agricole was the first signatory to an agreement on subsidised loans to finance the storage of wood from trees blown down during the massive storm that struck southwestern France in January 2009. Under this agreement, Regional Banks are able to finance at 1.5% groups of foresters, lumber yards, tree nurseries and communities in woodland areas. Crédit Agricole is also one of the founding shareholders of a strategic investment fund dedicated to the forestry sector.
• For the past three years, fair trade coffee has been available in the Crédit Agricole S.A.’s five canteens, as well as in the vending machines at headquarters. Crédit Agricole now buys nearly 9 tonnes of fair trade coffee per year, making it a leading consumer of fair trade* products.

• Many Crédit Agricole Regional Banks are currently sorting and recycling or encouraging car pooling through www.CAcovoiturage. com, in addition to promoting the use of shuttle services and public transport.
• "Evergreen" is the name of the new facility that Crédit Agricole S.A. is developing in Montrouge, just outside Paris. The aims of this project are to create a more efficient working environment that will improve team cooperation, and also to reduce rental costs and provide employees with better working conditions. Senior management will move into the new premises, along with other teams, in the second quarter of 2010.
  
  The choice of an ecologically responsible site that meets High Environmental Quality (HEQ) building standards is yet another action to promote sustainable development, whilst confirming the Group’s position as a Green Bank.