Investor Presentaiton
RISKS
RISKS
RISKS
ESG RISK MANAGEMENT
RISK CATEGORIES/CHALLENGES
CUSTOMER
SATISFACTION
AND PROTECTION
• Customer dissatisfaction/negative
perception, particularly in financially
vulnerable situations
•Insufficient protection of customer
data and IT system failures, including
cybercrime
BUSINESS ETHICS
AND GOVERNANCE
OBJECTIVES/OPPORTUNITIES
POVERTY
16 PEACE JUSTICE
AND STRONG
INSTITUTIONS
• Monitor customer
satisfaction
• Providing a responsible
product offering
(responsible lending,
in particular)
• Protecting customer data
POLICIES AND PROGRAMMES
• Customer satisfaction survey
• Personal online space with request forms
⚫ Vulnerable customer scoring and support system
• Personal data protection procedure/cybersecurity management
programme
• Generic DPO email account available to customers to exercise
their rights
• GDPR compliance monitoring and control system
• GDPR training/cybersecurity awareness of employees
Non-compliance with business ethics
including bribery, money laundering
or tax evasion
Inappropriate conduct of staff,
e.g. due to non-compliance
with the code of conduct
SOCIETAL INNOVATIONS
FOR A RESPONSIBLE
FUTURE
Unsustainable growth
• Unsustainable cities in France
RISKS
OBJECTIVES/OPPORTUNITIES
AFFORDABLE AND
CLEAN ENERGY
O
RISK CATEGORIES/CHALLENGES
ENVIRONMENTAL
CHALLENGES
•Climate change
•Inappropriate use of natural
resources and weak waste
management
• Failure to support the ecological
transition
12 RESPONSIBLE
• Managing
CONSUMPTI
AND PRODUCTION
CUMATE
13 ACTION
300 HEALTH
AND WELL-BEING
W
the environmental
footprint
• Supporting
the energy transition
• Digital transformation
• Employee commitment
EQUALITY
• Equality, diversity
and quality of life
16 PEACE, JUSTICE
• Promoting
AND STRONG
INSTITUTIONS
a code of conduct
and ethics among
all employees
• Promoting
• Code of Ethics
•The anti-money laundering/financing of terrorism
policy (AML-FT procedure, KYC, alert management)
Code of Conduct covering acts of bribery
• System for collecting reports (whistleblowing)
FREE2
MOVE
urban mobility offers
• Supporting
socially-responsible
projects
•Free2Move Lease (F2ML) LEASE
• Mobility Pass associated with financing agreement
New long-term lease "Access to electric" offer
for an affordable driving experience
• Fleet financing for companies operating in socially-responsible
activities
RISKS
RESPONSIBLE
EMPLOYER
• Weak human resources management
Non-compliance with labour
regulations and rules, personal
health and safety standards or weak
working conditions
• Discriminatory practices and human
rights violations
• Weak management of careers,
skills, non-anticipation of changes
in business lines or lack of personnel
GENDER
USTRY DON
AND INFRASTRUCTURE
• Unaccompanied customers,
A
particularly in the transformation
of their more sustainable
and social business model
DECENT WORK AND
ECONOMIC GROMTH
10 RECE
INEQUALITIES
16 PEACE, JUSTICE
AND STRONG
INSTITUTIONS
in the workplace
• Actions undertaken
to promote human rights
• Social dialogue
• Personal development
and employability
• Protecting employee
health in the context of
the Covid-19 pandemic
DACIA II F СТРІI ANITIC
POLICIES AND PROGRAMMES
• Financing of greener vehicles (electric/hybrid)
with a first green bond issue in January 2023
• Innovative products:
• New long-term lease "Access to electric" offer
for an affordable driving experience
"Connected Insurance" solution
• Reducing paper consumption through the digitisation
of exchanges (electronic signature of financing agreements
and opening a Distingo savings account 100% online,
personal online space with request forms)
• Declaration of information on the financing of eligible activities
within the meaning of Article 8 of the European Taxonomy
• Annual employee survey on their commitment
and adherence to values
FRANCE
• Recruitment guide (non-discrimination when hiring and diversity)
• Company agreements signed, including in particular:
• agreement on professional equality, diversity, quality
of life in the workplace and the right to disconnect
• agreement on the forward-looking management of jobs
and skills
Training programmes
• Digital skills assessment tool with personal development
plan (PDP)
Mobility charter
• Development of teleworking
• generalisation in the context of the Covid-19 pandemic
• teleworking charter in 2021 offering employees the possibility
of teleworking up to three days per week
• training to adapt to remote working
A STRONG GOVERNANCE STRUCTURE
To define its strategy and roll out its CSR policy,
the Banque Stellantis France Group relies on its
governance structure. All its action are managed
using policies and programmes, as well as
indicators with associated targets, relating to
the objectives defined for each of the key
challenges.
ESG commitments are present at all levels of the
Banque Stellantis France Group's governance,
from the employees of the executive committees
and the operational staff to the control functions
and through to the Board of Directors.
SUPPORTING CUSTOMER SATISFACTION AND PROTECTION
Responsible
product offering
(responsible lending)
Measures taken to
promote customer
health and safety
The products and services designed and distributed by the Banque
Stellantis France are subject to monitoring and evaluation through
various systems, including audits (internal, periodic,
ISO
9001 quality certification) or activity-specific indicators and through
customer claims analysis.
In application of the Charter on banking inclusion and prevention of
over-indebtedness (*), Banque Stellantis France has a process of
identifying at an early stage its individual customers who are
financially vulnerable at risk, support and guide them, and find
internal solutions to prevent their financial situation from worsening.
adopted by the Association Française des Établissements de Crédit et des Companies d'Investissement (AFECEI).
Investor presentation - October 2023
.
AND PREVENTION OF ENVIRONMENTAL RISKS
When making its decisions, the Banque Stellantis France
Group integrates the environmental and sustainable
aspects of its projects to the greatest extent possible.
In addition to financing greener vehicles, the prevention
of environmental risks is at the heart of the
technological innovations developed:
"
"
connected services for proactive management of fleet long-term
lease agreements to encourage drivers to drive responsibly,
resulting in reduced consumption and fewer polluting emissions.
with connected insurance solution available across all brands ranges
enables individuals to benefit from lower premiums thanks to
driving responsibly.
digitalisation projects with a view to achieving paperless
communication with customers and dealer networks, with a
paperless approach (electronic signature for financing agreements,
100% online subscription to Distingo, customer web space).
34
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