Committed
banking

Corporate responsibility and social engagement
have been a key element for Creand and our
committed banking since the beginning.

Our model

At Creand, committed banking is based on promoting valuable initiatives
for stakeholders: customers, shareholders, employees,the community,
the environment, providers and the media, harmonising business criteria
with social progress and environmental protection.

Corporate responsibility has been part of the essence of Creand since the beginning.

We strive to generate value for shareholders, customers, employees, as well as providers, institutions and administrations, and even the environment.

Our committed banking model goes beyond business to our involvement in the development of the country and people.

Consolidated global investment

* Data from 2023 financial statements

18.63%

Community

3.33%

Environment

78.04%

Sport sponsorships and
economic revitalisation

€3.53 M

Key milestones

2024

Creand Crèdit Andorrà launches a new line of loans based on sustainability criteria.

2024

Creand Crèdit Andorrà lance une nouvelle gamme de prêts basés sur des critères de durabilité.

2024

Creand Crèdit Andorrà issues a green, social and sustainable bond for environmental and social projects in the country.

2023

Creand Crèdit Andorrà promotes a new Sustainability Unit in the bank’s structure.

2022

Crèdit Andorrà joins the FEDA Green Light seal, which certifies that the energy consumed is renewable.

2021

Signatory to the UNEP FI
(United Nations) Principles
for Responsible Banking. The
first bank in the country.

2016

Integration of Sustainable
Development Goals (SDGs) in
the social responsibility strategy.

2016

First Andorran bank to join the UN Global Compact.

2015

First named best corporate social responsibility bank in Andorra
(Global Banking & Finance Review),
an award that will be received repeatedly up to 2022.

2015

Publication of corporate social responsibility report according to the GRI G4 guide, “In accordance – Comprehensive” option.

2004

Implementation of Environmental Management System certified under
ISO 14001.

2003

Publication of the first corporate social responsibility report in accordance with the GRI standard (self-assessment A).

2003

Publication of the first corporate social responsibility policy.

1998

Membership of the United Nations Environment Programme Finance
Initiative (UNEP FI).

1987

Fundació Crèdit Andorrà founded,
working in the areas of education, culture and social action.

1950

Crèdit Andorrà created with a commitment to society and the environment, and to contribute to economic development.

Governance

It is the task of the CEO, with the functions and responsibilities as delegated by
the Board of Directors, to ensure the consolidation of the reputation and sustainability
of the Creand group business project.

Ethics and integrity

With the aim of fostering a culture of ethics,
responsibility and sustainability, we base our
actions on the following principles and policies:

CODE OF ETHICS AND CONDUCT

Regulates the behavior guidelines of all employees to establish and enforce the ethical principles that govern the business and activities of the Group.

SUSTAINABILITY POLICY

We work towards the Group’s strategic objectives with socially responsible
and sustainable practices.

See PDF

CODE OF CONDUCT ON THE SECURITIES MARKET

Adjusting the actions of the bank, the administrative and management bodies
and employees to applicable rules in order to promote transparency and
preserve the interests of investors.

PRIVACY POLICY AND PERSONAL
DATA PROTECTION

Ensuring that the processing and use of personal data
is carried out in accordance with the fundamental
rights of individuals.

More information

Partnerships and memberships

We are members of associations and organisations in various fields, with a view to contributing to promoting and strengthening our participation in a sustainable economic, social and collective future.

Banking and financial

Andorran Banking

Association des Banques et Banquiers (ABBL)

Association Luxembourgeoise des Fonds d’Investiseement (ALFI)

Asociación Española de Banca i Asociación de Instituciones de Inversión Colectiva y Fondos de Pensiones (INVERCO).

National Futures Association (NFA)

Securities Investor Protection Corporation (SIPC)

Economy and business

Andorran Business Confederation

Asociación para el Progreso de la Dirección (APD)

EFMA

IESE (Department of Entrepreneurship and Banking)

University of Andorra

Cercle d’Economia

Círculo Ecuestre

Sustainability

United Nations Global Compact

United Nations Environment Programme Finance Initiative (UNEP Fi)

Adhering to the Sustainable Development Goals (SDGs)

Sustainable Development Goals

In 2016 we elevated our committed banking model by incorporating the Sustainable Development Goals (SDGs), in line with the principles of the United Nations 2030 Agenda.

We have determined 6 priority SDGs for Creand with the aim of focusing efforts on significant actions for the groups involved.

GOOD HEALTH
AND WELL-BEING