Environmental
commitment

Our environmental commitment makes us one of the pioneering banks in Andorra in terms of protecting the environment, one of our country’s main assets.

Environment strategy

Environmental management is a key axis of Creand’s sustainability strategy.
Our methodical approach is based on the PDCA model (Plan, Do, Check, Act), aimed at
continuous improvement.

Environmental commitment

We promote actions to reduce environmental impacts
and pursue initiatives to promote a sustainable conscience among employees,
customers,providers and society as a whole.

Environmental commitment for providers

ACT

CHECK

PLAN

Continuous
improvement

Environmental Management
System

The Environmental Management System (EMS), certified under
the standard ISO 14001, covers the entire value chain, from
the financial activity itself to providers, employees, customers
and society, with a focus on continuous improvement.

Objectives

We incorporate sustainability criteria, aware of the environment impacts generated by our operations, which we minimise, control and transform into positive actions to benefit social progress.

Strategic partnerships

Compliance with the UNEP FI’s Responsible Banking Principles

Climate change

Minimise our activity’s impact

Reduce our carbon footprint

Awareness-raising and commitment

Foster environmental knowledge and awareness among employees, clients and suppliers

Lead the dialogue with all our stakeholders

Climate change

Our commitment to the fight against climate change involves the progressive reduction of consumption through various efficiency and awareness-raising actions.

Creand’s environmental footprint	Consumption		CO2 emissions
		Var 23-24		Var 23-24
Electricity (kWh/employee)*	2,957.70	-37.11%	0	–
Diesel oil for air conditioning (kWh/m2)**	55.6	-4.43%	245.7	-4.43%
Fuel for vehicles (MWh)**	71.9	3.32%	13.6
Water (m3/employee)	7.1	-23.82%	0.5	-9.58%
Paper (internal and customer use) (kg/employee)	28.6	39%	26.2	+19.16%

Environmental Management System coverage: Andorra, office network, and headquarters. Emissions are 0 due to the Green Light label.
* Includes electricity consumption at facilities and charging points for electric vehicles in the company’s fleet.
** Considers the equivalent energy consumption of company vehicles’ fuel and diesel consumption (air conditioning)..

Sustainable mobility

We promote good mobility habits among employees, in line with the objectives of the national energy and climate change strategy 2020-2050.

Sustainable mobility plan for employees

1

Situation diagnosis and analysis

2

Target setting

3

Monitoring plan

Financing

We encourage the financial promotion of projects of high environmental value that demonstrate our commitment to the well-being of the country and the people who live in it.