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Select an assessment year:

  • Overall approach
    0/10
    • Overarching commitment on deforestation
      0/6
    • Deforestation as a business risk
      0/2
    • Target to reduce emissions in scope 1/2
    • Company must have anti-corruption policy
      0/2
  • Commodity score
    15/90
    • Beef & Leather
      0/90
      • Commitment Strength
        0/31
        • Commodity-specific deforestation financing policy
          0/9.6
          • Commitment details
            No commitment
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          0/4.6
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must monitor operations
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must conduct risk assessments
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must specify a cut-off date
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        0/27
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Reporting and Implementation
        0/31
        • Commitments must be timebound
          No
          0/5
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
    • Palm oil
      31/90
      • Commitment Strength
        15/31
        • Commodity-specific deforestation financing policy
          5.4/9.6
          • Commitment details
            Protects priority forests
            4/8
            Commitment details
            Protects priority forests
            4/8
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).”; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).”; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).”; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).”; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).”; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
        • Companies must be legally operated
          2.9/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
        • Companies must monitor operations
          3.4/5.6
          • Commitment details
            Encouraged
            2/4
            Commitment details
            Encouraged
            2/4
            Certification scheme (if applicable): RSPO

            Type of policy: Assurance mechanism
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
        • Companies must conduct risk assessments
          3.4/5.6
          • Commitment details
            Encouraged
            2/4
            Commitment details
            Encouraged
            2/4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent
        • Companies must specify a cut-off date
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        5/27
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          3.4/5.6
          • Commitment details
            Encouraged
            2/4
            Commitment details
            Encouraged
            2/4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
        • Company must respect labour rights
          2.4/5.6
          • Commitment details
            Companies own operations - Encouraged
            1/4
            Commitment details
            Companies own operations - Encouraged
            1/4
            Type of policy: ILO; Discrimination; Forced Labour; Child Labour; Freedom of Association
             "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Reporting and Implementation
        11/31
        • Commitments must be timebound
          Required
          5/5
          Commitments must be timebound
          Required
          5/5
           "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          Timeline for review unclear or review conducted less frequently than annually
          1/2
          Policy is reviewed and updated
          Timeline for review unclear or review conducted less frequently than annually
          1/2
          “The Policy applies from the date it is published. Are excluded pre-existing activities in this sector, including commitments already made or business opportunities which are already at an advanced stage of negotiation. The Policy will be reviewed from time to time.”
        • Monitoring and non-compliance process
          Screening and monitoring process
          5/5
          Monitoring and non-compliance process
          Screening and monitoring process
          5/5
          "Where the transaction is directly linked to the development, expansion, operation and/or the acquisition of an asset covered by the Policy, the project will be assessed against all the analysis criteria above and the Bank will seek to determine if an exclusion criterion exists. If an exclusion situation is identified or if the outcome of the general assessment is negative, the Bank will not participate in the transaction. Any potential exception will be dealt with in accordance with section 8 below. Where the transaction is an advisory mandate, the Bank will seek to promote the principles included in this Policy. The Bank will not enter into an advisory mandate when aware at the date of the mandate that the envisaged project definitely exhibits an exclusion criterion. When considering financing a project for which the Bank has acted as financial advisor, it shall only do so in compliance with the Policy, including in respect of the exclusion criteria.”
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
    • Soy
      0/90
      • Commitment Strength
        0/31
        • Commodity-specific deforestation financing policy
          0/9.6
          • Commitment details
            No commitment
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          0/4.6
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must monitor operations
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must conduct risk assessments
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must specify a cut-off date
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        0/27
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Reporting and Implementation
        0/31
        • Commitments must be timebound
          No
          0/5
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
    • Timber, Pulp & Paper
      31/90
      • Commitment Strength
        15/31
        • Commodity-specific deforestation financing policy
          5.4/9.6
          • Commitment details
            Protects priority forests
            4/8
            Commitment details
            Protects priority forests
            4/8
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).” ; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).” ; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).” ; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).” ; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            “In particular, the client shall have developed a no deforestation policy (commitment not to develop its business to the detriment of primary forests or High Conservation Value forests).” ; (Landscape protection) "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
        • Companies must be legally operated
          2.9/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation"
        • Companies must monitor operations
          3.4/5.6
          • Commitment details
            Encouraged
            2/4
            Commitment details
            Encouraged
            2/4
            Certification scheme (if applicable): PEFC

            Type of policy: Assurance mechanism
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Obtaining of the following certifications: FSC or PEFC for a forestry operation or RSPO for palm oil will be regarded as a satisfactory evidence that the above criteria have been considered."
        • Companies must conduct risk assessments
          3.4/5.6
          • Commitment details
            Encouraged
            2/4
            Commitment details
            Encouraged
            2/4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "In particular, the Bank will consider whether the assets of the clients are certified (FSC, national certification endorsed by PEFC, RSPO as the case may be). If the client has not committed to a plan targeting the certification of most of its assets within a reasonable period of time, the Bank will expect them to demonstrate implementing an impact assessment and management system of equivalent stringency and covering all the criteria listed above"
        • Companies must specify a cut-off date
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        5/27
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          3.4/5.6
          • Commitment details
            Encouraged
            2/4
            Commitment details
            Encouraged
            2/4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            “The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria: Capacity and commitment of the project or client to manage environmental and social risks and engage with stakeholders [...] setting up of a grievance mechanism at the project level”
        • Company must respect labour rights
          2.4/5.6
          • Commitment details
            Companies own operations - Encouraged
            1/4
            Commitment details
            Companies own operations - Encouraged
            1/4
            Type of policy: ILO; Discrimination; Forced Labour; Child Labour; Freedom of Association
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "The Bank will analyze every transaction linked to the Forestry and Palm Oil sector according to the following criteria [...] labour rights and working conditions including compliance with International Labour Organization (ILO) core conventions [...] ILO’s 8 core conventions on fundamental human rights relate to elimination of forced and compulsory labour (C-29 and C105), abolition of child labour (C-138 and C-182), elimination of discrimination in respect of employment and occupation (C-100 and C-111) and freedom of association and collective bargaining (C-87 and C-98)".
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Reporting and Implementation
        11/31
        • Commitments must be timebound
          Required
          5/5
          Commitments must be timebound
          Required
          5/5
          "The Bank will not participate in transactions linked to this sector if aware of the following characteristics:  illegal operation;  conversion of lands having a high conservation value with respect to biodiversity (protected area listed under the categories I to IV of IUCN, primary forests or High Conservation Value Forests according to FSC, sites listed per the Alliance for Zero Extinction, peatlands);  location within wetlands of international importance covered by the Ramsar Convention5 ,  location within a site listed on the UNESCO World Heritage list".
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          Timeline for review unclear or review conducted less frequently than annually
          1/2
          Policy is reviewed and updated
          Timeline for review unclear or review conducted less frequently than annually
          1/2
          “The Policy applies from the date it is published. Are excluded pre-existing activities in this sector, including commitments already made or business opportunities which are already at an advanced stage of negotiation. The Policy will be reviewed from time to time.”
        • Monitoring and non-compliance process
          Screening and monitoring process
          5/5
          Monitoring and non-compliance process
          Screening and monitoring process
          5/5
          "Where the transaction is directly linked to the development, expansion, operation and/or the acquisition of an asset covered by the Policy, the project will be assessed against all the analysis criteria above and the Bank will seek to determine if an exclusion criterion exists. If an exclusion situation is identified or if the outcome of the general assessment is negative, the Bank will not participate in the transaction. Any potential exception will be dealt with in accordance with section 8 below. Where the transaction is an advisory mandate, the Bank will seek to promote the principles included in this Policy. The Bank will not enter into an advisory mandate when aware at the date of the mandate that the envisaged project definitely exhibits an exclusion criterion. When considering financing a project for which the Bank has acted as financial advisor, it shall only do so in compliance with the Policy, including in respect of the exclusion criteria.”
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
  • Commitment strength
    7/31
    Avg. score
  • Reporting and Implementation
    6/31
    Avg. score
  • Social considerations
    3/28
    Avg. score

Profile

Credit Agricole are a European banking group headquartered in France serving private and corporate clients. Their services include corporate finance, capital markets, investment banking, insurance, asset management, wealth management and retail banking services. As of 2017, the group's total assets amount to more than 1.7 trillion EUR, with more than 790 billion EUR of loans and advances. Credit Agricole are among the top lenders and shareholders to Forest 500 companies, across a broad range of forest risk sectors.

HQ
HQ 
France
Financial institution type
Financial institution type 
Bank, Insurance Company

How we assess the Forest 500

Investors and lenders need to adopt and implement strong deforestation policies that ensure their investments are not funding the destruction of forests.

All assessments use policies published on financial institution websites, some links may have changed or been removed since the time of assessment.

Disclaimer

This assessment has been carried out following the methodology developed for the Forest 500 project, available here. Please see our disclaimer applicable to all information contained within this site and our terms and conditions for use of data presented on this site.

All assessments use policies published on company and financial institution websites, and while we endeavor to keep them updated some links may have changed or been removed since the time of assessment.

Please contact us with any concerns or feedback about this or other assessments included in the Forest 500.