{"id":13617,"date":"2023-06-21T11:02:06","date_gmt":"2023-06-21T09:02:06","guid":{"rendered":"https:\/\/creandgroup.com\/nous\/govern-corporatiu\/"},"modified":"2025-05-02T12:08:55","modified_gmt":"2025-05-02T10:08:55","slug":"govern-corporatiu","status":"publish","type":"page","link":"https:\/\/creandgroup.com\/fr\/nous\/govern-corporatiu\/","title":{"rendered":"Gouvernance d\u2019entreprise"},"content":{"rendered":"<section data-block_0a5057bc0ca66d346487565f0eaa8aa9 class=\"hero align section-hero-secondary relative block clear-both overflow-hidden bg-center bg-cover\" style=\"background-image: url('https:\/\/creandgroup.com\/wp-content\/uploads\/Mask_Group_3.jpg')\" data-aos=\"fade\" data-aos-duration=\"500\" data-aos-easing=\"ease-in-out\" data-aos-mirror=\"false\">\n        <div class=\"container relative flex flex-wrap items-center py-10 xl:pl-48 lg:h-68 lg:flex-nowrap\">\n            <svg class=\"icon-oval-secundary hidden md:block absolute top-0 -left-5 lg:-left-20 xl:left-24 h-full\" width=\"317\" height=\"247\" viewBox=\"0 0 317 247\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path opacity=\"0.5\" d=\"M317 370C142.478 370 1 259.638 1 123.5C1 -12.6382 142.478 -123 317 -123\" stroke=\"white\" stroke-width=\"1.6658\"\/>\n<\/svg> \n            <h1 class=\"text-white lg:w-1\/2 lg:pr-10  font-tiempos_bold \"   style=\"line-height: 52px; letter-spacing: 2px; font-size: 45px;\" >Gouvernance d\u2019entreprise<\/h1>\n            <div class=\"pl-3 mt-3 lg:mt-0 text-white lg:w-2\/3\">\n                <h3 class=\" big-text   leading-normal\"><\/h3>\n                            <\/div>\n        <\/div>\n    <\/section>\n    <style>\n        .section-hero-secondary a.border-white{\n            transition: all 0.2s;\n        }\n        .section-hero-secondary a.border-white:hover{\n            color: #369125;\n            background-color: white;\n        }\n        .section-hero-secondary a.border-white:hover .icon-white-fill path{\n            fill: #369125;\n        }\n        .section-hero-secondary.text-light .container{\n            height: auto !important;\n        }\n        .section-hero-secondary.text-light h1{\n            font-weight: 400 !important;\n        }\n        .section-hero-secondary .big-text{\n            font-size: 18px;\n            line-height: 28px;\n        }\n        @media (min-width: 1024px){\n            .section-hero-secondary .big-text{\n                font-size: 22px;\n                line-height: 32px;\n            }\n        }\n    <\/style>\n\n\n<section data-block_804fe99421b08c6c146e08f11a7c5626 class=\"navigation align section-navigation hidden lg:block  border-b sticky top-10 xl:top-20 bg-white overflow-hidden border-t border-gallery_gray \" data-aos=\"fade\" data-aos-duration=\"500\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n    <div class=\"container\">\n        <div class=\"wrapper flex items-center\">\n            <div class=\"flex items-center gap-5 lg:gap-8 text-center justify-evenly uppercase navigation-list mx-auto font-roboto_regular\">\n                                             <a href=\"https:\/\/creandgroup.com\/fr\/nous\/qui-sommes-nous\/\" class=\"text-sm lg:text-base py-5 xl:pt-8 xl:pb-6 cursor-pointer\">Qui sommes nous<\/a>\n                                             <a href=\"#\" class=\"text-sm lg:text-base py-5 xl:pt-8 xl:pb-6 cursor-pointer\">Gouvernance d\u2019entreprise<\/a>\n                                             <a href=\"https:\/\/creandgroup.com\/fr\/nous\/la-marque-creand\/\" class=\"text-sm lg:text-base py-5 xl:pt-8 xl:pb-6 cursor-pointer\">La marque Creand<\/a>\n                                             <a href=\"https:\/\/creandgroup.com\/fr\/nous\/creand-en-chiffres\/\" class=\"text-sm lg:text-base py-5 xl:pt-8 xl:pb-6 cursor-pointer\">Creand en chiffres<\/a>\n                        <\/div>\n        <\/div>\n    <\/div>\n\n<\/section>\n<style>\n    .section-navigation{\n        z-index: 19;\n    }\n    .section-navigation .currentPage{\n        color: #369125;\n        font-weight: 700;\n        border-bottom: 2px solid #369125;\n    }\n    .section-navigation .active{\n        color: #369125;\n        font-weight: 700;\n        border-bottom: 2px solid #369125;\n    }\n    .navigation-list a:hover{\n        color: #369125;\n        border-bottom: 2px solid #369125;\n    }\n    .section-navigation .go-back:hover .icon-arrow-down path{\n        stroke: #369125;\n    }\n<\/style>\n<script>\n    function goBack() {\n        window.history.back();\n    }\n<\/script>\n\n<section id=\"block_e07fb4ef9781fa96e23af145f74d266d\" data-block_e07fb4ef9781fa96e23af145f74d266d   class=\"logo-cols-text align mt-8 lg:mt-16 bg-white  section-logo-cols-text relative block clear-both overflow-hidden bg-center bg-cover\">\n    <div class=\"container \">\n        <div class=\"w-full  section-info text-left\" data-aos=\"fade-in\" data-aos-once=\"true\" data-aos-duration=\"500\" data-aos-easing=\"ease-in-out\">\n            <h2 class=\"text-title font-tiempos_bold\">Gouvernance d\u2019entreprise<\/h2>\n        <\/div>\n                    <div class=\"flex flex-wrap justify-between section-content logo-cols-list mt-9 lg:flex-nowrap\">\n                                                         <div class=\"w-full lg:w-2\/5 logo-cols-list-el\"  data-aos=\"fade-right\"  data-aos-once=\"true\" data-aos-duration=\"500\" data-aos-easing=\"ease-in-out\">\n                        <div class=\"logo-cols-list-el-inner font-light\">\n                            <p>Garantir la durabilit\u00e9 de l\u2019\u00e9tablissement implique de disposer d\u2019une gouvernance d\u2019entreprise solide qui veille \u00e0 la gestion des risques, au respect de la r\u00e9glementation et \u00e0 la prise de d\u00e9cisions correcte et efficace en attribuant des fonctions et des responsabilit\u00e9s.<br \/>\n<span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n\n                        <\/div>\n                    <\/div>\n                                                                             <div class=\"w-full lg:w-2\/5 logo-cols-list-el\"  data-aos=\"fade-left\" data-aos-once=\"true\" data-aos-duration=\"500\" data-aos-easing=\"ease-in-out\">\n                        <div class=\"logo-cols-list-el-inner font-light\">\n                            <p><span style=\"font-weight: 400;\">La force de la structure de gouvernance garantit l\u2019apport de valeur \u00e0 toutes les parties prenantes et renforce la position de la banque vis-\u00e0-vis du secteur et du march\u00e9.<\/span><\/p>\n\n                        <\/div>\n                    <\/div>\n                                                <\/div>\n            <\/div>\n<\/section>\n<style>\n    .logo-cols-list .logo-cols-list-el-inner h3{\n        color: #369125;\n    }\n    .logo-cols-list .logo-cols-list-el-inner ul li{\n        font-weight: 700;\n        position: relative;\n        display: flex;\n        align-items: center;\n    }\n    .logo-cols-list .logo-cols-list-el-inner ul li:before{\n        content:\"\";\n        width: 4px;\n        height: 4px;\n        position: relative;\n        border-radius: 999em;\n        background-color: black;\n        margin-right: 12px;\n    }\n<\/style>\n\n\n\n\n<section id=\"block_e6ae007ddfd68036f3c86eab85a60520\" data-block_e6ae007ddfd68036f3c86eab85a60520   class=\"slider-cards-cta align relative block section-slider-cards-cta clear-both overflow-hidden mt-8 py-8 bg-gallery_gray lg:py-16\">\n    <div class=\"container\">\n        <div class=\"relative flex justify-between clear-both\">\n            <div class=\"section-info\"> \n                <h2 class=\"text-title font-tiempos_bold\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">Organes de gouvernance<\/h2>\n                <div class=\"mt-2 font-light\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"150\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">&nbsp;<br \/>\r\nGarantir la p\u00e9rennit\u00e9 future de l&rsquo;entit\u00e9 signifie disposer d&rsquo;une gouvernance d&rsquo;entreprise solide qui assure la gestion des risques, la conformit\u00e9 r\u00e9glementaire et une prise de d\u00e9cision correcte et efficace gr\u00e2ce \u00e0 l&rsquo;attribution des fonctions et des responsabilit\u00e9s.<br \/>\r\n&nbsp;<br \/>\r\nLa solidit\u00e9 de la structure de gouvernance garantit l&rsquo;apport de valeur \u00e0 tous les groupes d&rsquo;int\u00e9r\u00eat et renforce la position de la banque vis-\u00e0-vis du secteur et du march\u00e9.<\/div>\n            <\/div>\n            \n        <\/div>\n                    <div class=\"relative mt-5 lg:mt-16 slider-cards-cta-list\">\n                                    <div class=\"justify-end hidden lg:flex swiper-navigation-arrows mb-6\">\n                        <svg class=\"icon-arrow-right self-end navigation-prev opacity-50 transform rotate-180 cursor-pointer hover:bg-primary_vista_blue hover:bg-opacity-60\" width=\"35\" height=\"35\" viewBox=\"0 0 35 35\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M4.375 17.5L30.625 17.5\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n<path d=\"M21.875 26.25L30.625 17.5L21.875 8.75\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n<\/svg> \n                        <svg class=\"icon-arrow-right self-end navigation-next mr-2 cursor-pointer hover:bg-primary_vista_blue hover:bg-opacity-60\" width=\"35\" height=\"35\" viewBox=\"0 0 35 35\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M4.375 17.5L30.625 17.5\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n<path d=\"M21.875 26.25L30.625 17.5L21.875 8.75\" stroke=\"black\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n<\/svg> \n                    <\/div>\n                                <div class=\"swiper-wrapper \" style=\"height:auto \">\n                                                                     <div class=\"relative block w-full h-full mt-5 bg-white slider-cards-cta-list-el lg:mt-0 md:w-1\/2 lg:w-1\/3 swiper-slide duration-300 ease-in-out transform hover:scale-105\" data-aos=\"zoom-out-up\" data-aos-duration=\"500\" data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                                                            <img data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/junta_genera_accionistes.jpg\" alt=\"junta_genera_accionistes\" class=\"w-full lozad h-52\">\n                                                        <div class=\"p-4 slider-cards-cta-list-el-inner\">\n                                                                    <h4 style=\"font-size: 22px;\">Assembl\u00e9e g\u00e9n\u00e9rale des actionnaires<\/h4>\n                                                                                                    <div class=\"mt-2 mb-16 font-light\">Principal organe de d\u00e9cision de la banque, elle r\u00e9unit tous les actionnaires et adopte les d\u00e9cisions finales quant aux questions importantes pour l\u2019\u00e9tablissement.<\/div>\n                                                                                                    <div class=\"absolute bottom-4 right-4\">\n                                        <a href=\"https:\/\/espaiaccionista.creandbancaonline.ad\/new\/es\/web\/espai-accionistes\/login\" class=\"relative text-primary_direct_green_light\" target=\"_blank\" rel=\"noopener\">Plus d\u2019informations<\/a>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"relative block w-full h-full mt-5 bg-white slider-cards-cta-list-el lg:mt-0 md:w-1\/2 lg:w-1\/3 swiper-slide duration-300 ease-in-out transform hover:scale-105\" data-aos=\"zoom-out-up\" data-aos-duration=\"500\" data-aos-delay=\"150\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                                                            <img data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/consejo-admin.jpg\" alt=\"consejo-admin\" class=\"w-full lozad h-52\">\n                                                        <div class=\"p-4 slider-cards-cta-list-el-inner\">\n                                                                    <h4 style=\"font-size: 22px;\">Conseil d\u2019administration<\/h4>\n                                                                                                    <div class=\"mt-2 mb-16 font-light\">Organe de repr\u00e9sentation pl\u00e9ni\u00e8re, il a les facult\u00e9s de gouvernance de la banque. L\u2019incorporation, en 2018, de conseillers ind\u00e9pendants renforce la gouvernance de l\u2019organisme avec des crit\u00e8res de professionnalisme, de conformit\u00e9 et d\u2019exp\u00e9rience pour garantir l\u2019exercice ad\u00e9quat des fonctions de gestion, supervision et contr\u00f4le qui leur sont confi\u00e9es.<\/div>\n                                                                                                    <div class=\"absolute bottom-4 right-4\">\n                                        <a href=\"https:\/\/creandgroup.com\/fr\/nous\/qui-sommes-nous\/#consell-administracio\" class=\"relative text-primary_direct_green_light\" target=\"\">Plus d\u2019informations<\/a>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"relative block w-full h-full mt-5 bg-white slider-cards-cta-list-el lg:mt-0 md:w-1\/2 lg:w-1\/3 swiper-slide duration-300 ease-in-out transform hover:scale-105\" data-aos=\"zoom-out-up\" data-aos-duration=\"500\" data-aos-delay=\"300\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                                                            <img data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/comisiones_consell.jpg\" alt=\"comisiones_consell\" class=\"w-full lozad h-52\">\n                                                        <div class=\"p-4 slider-cards-cta-list-el-inner\">\n                                                                    <h4 style=\"font-size: 22px;\">Commissions du Conseil<\/h4>\n                                                                                                    <div class=\"mt-2 mb-16 font-light\">Elles ont pour fonction d\u2019assister le Conseil dans la prise de d\u00e9cisions strat\u00e9giques.<br \/>\r\n<ul style=\"list-style: disc;padding-left: 20px;\">  <br \/>\r\n<li>Commission d\u2019audit et de risques<\/li><br \/>\r\n<li>Commission des nominations et des r\u00e9tributions <br \/>\r\n <\/li><br \/>\r\n<li>Comit\u00e9 de la technologie et de la cybers\u00e9curit\u00e9<\/li><br \/>\r\n<li>Commission pr\u00e9paratoire<br \/>\r\n<\/li><br \/>\r\n<\/ul><\/div>\n                                                                                                    <div class=\"absolute bottom-4 right-4\">\n                                        <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Comites-du-Conseil.pdf\" class=\"relative text-primary_direct_green_light\" target=\"_blank\">Voir pdf<\/a>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"relative block w-full h-full mt-5 bg-white slider-cards-cta-list-el lg:mt-0 md:w-1\/2 lg:w-1\/3 swiper-slide duration-300 ease-in-out transform hover:scale-105\" data-aos=\"zoom-out-up\" data-aos-duration=\"500\" data-aos-delay=\"450\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                                                            <img data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/comite-executiu.jpg\" alt=\"comite-executiu\" class=\"w-full lozad h-52\">\n                                                        <div class=\"p-4 slider-cards-cta-list-el-inner\">\n                                                                    <h4 style=\"font-size: 22px;\">Comit\u00e9 ex\u00e9cutif<\/h4>\n                                                                                                    <div class=\"mt-2 mb-16 font-light\">Organe responsable de la direction et de la coordination du groupe Creand, il est charg\u00e9 de mettre en \u0153uvre la strat\u00e9gie, les politiques et les syst\u00e8mes de gestion, les contr\u00f4les et les risques.<br \/>\r\n<\/div>\n                                                                                                    <div class=\"absolute bottom-4 right-4\">\n                                        <a href=\"https:\/\/creandgroup.com\/fr\/nous\/qui-sommes-nous\/#organ-direccio\" class=\"relative text-primary_direct_green_light\" target=\"\">Plus d\u2019informations<\/a>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                                            <\/div>\n                \n            <\/div>\n            <\/div>\n<\/section>\n\n<style>\n    .swiper-slide {\n        height: auto;\n    }\n<\/style>\n\n<section id=\"block_d0196fdc476341b7dad73b970f488e1f\"  data-block_d0196fdc476341b7dad73b970f488e1f class=\"text-img-positioned align w-full section-text-img-positioned relative block clear-both overflow-hidden mt-8 lg:mt-16\" >\n   <div class=\"flex flex-wrap lg:flex-nowrap mt-12 max-w-extra_wide mx-auto items-center justify-between  flex-row \">\n        <div class=\"w-full md:w-1\/2 2xl:w-2\/5 px-4 md:px-8   lg:pl-16 xl:pl-20 2xl:pl-34 2xl:pr-0  text-center md:text-left section-info\">\n                        <h2 class=\"text-title font-tiempos_bold\" data-aos=\"fade-left\" data-aos-duration=\"500\" data-aos-once=\"true\">Gestion int\u00e9grale du risque<\/h2>\n                                    <div class=\"block mt-5 w-full wysiwyg font-light\" data-aos=\"fade-left\" data-aos-duration=\"500\" data-aos-delay=\"250\" data-aos-once=\"true\">\n                <p>Notre syst\u00e8me de gouvernance d\u2019entreprise s\u2019inscrit dans un cadre qui d\u00e9finit les responsabilit\u00e9s dans la gestion du risque sur le mod\u00e8le des trois lignes de d\u00e9fense propos\u00e9 par le Comit\u00e9 de B\u00e2le sur le contr\u00f4le bancaire.<\/p>\n\n            <\/div>\n                    <\/div>\n                <div class=\"w-full  md:w-1\/2 flex  justify-end \"  data-aos=\"zoom-out-left\" data-aos-delay=\"200\">\n            <img  data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Group-5258.png\" alt=\"Group 5258\" class=\"mt-5 lozad w-full lg:mt-0\">\n        <\/div>\n           <\/div>\n<\/section>\n<style>\n.section-text-img-positioned .wysiwyg a {\n    color: #369125;\n    font-weight: 700;\n}\n.section-text-img-positioned .wysiwyg strong,\n.section-text-img-positioned .wysiwyg b {\n    font-weight: 700;\n}\n<\/style>\n\n<section id=\"block_76debd46d34d38cf2e0b768c0b860404\"  data-block_76debd46d34d38cf2e0b768c0b860404 class=\"colums-w-icons align section-colums-w-icons relative block clear-both overflow-hidden my-10 lg:mt-20\">\n    <div class=\"container mt-10 flex flex-wrap justify-between lg:flex-nowrap\">\n        <div class=\"relative block w-full pr-0 section-info lg:w-2\/6 md:pr-10 \">\n            <h2 class=\"text-title font-tiempos_bold\" data-aos=\"fade-right\" data-aos-duration=\"500\"  data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">Int\u00e9grit\u00e9 et \u00e9thique<\/h2>\n                            <p class=\"mt-3 font-light\" data-aos=\"fade-right\" data-aos-duration=\"500\"  data-aos-delay=\"150\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">La protection de la r\u00e9putation de l\u2019entreprise implique de respecter scrupuleusement la r\u00e9glementation en vigueur, ainsi que de d\u00e9velopper notre pratique bancaire sur des principes \u00e9thiques et d\u2019int\u00e9grit\u00e9, dans tous les domaines d\u2019affaires et d\u2019op\u00e9rations et envers l\u2019ensemble des parties prenantes. <\/p>\n                    <\/div>\n        <div class=\"flex flex-wrap w-full section-content colums-icons-list lg:w-4\/6\">\n                                             <div class=\"relative block w-full mt-8 lg:mb-20 lg:mt-0 md:w-1\/2 colums-icons-list-el md:pr-5 lg:pr-9\" data-aos=\"fade\" data-aos-duration=\"500\"  data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                    <div class=\"flex  flex-wrap colums-icons-list-el-inner\">\n                        <img data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Group-5.svg\" alt=\"Group (5)\" class=\"lozad w-12 h-12\">\n                        <h6 class=\"w-full mt-2 text-lg font-bold\">Code \u00e9thique et de conduite<\/h6>\n                        <div class=\"mt-2 font-light\"><p>Il a pour finalit\u00e9 d\u2019\u00e9tablir et de faire respecter les principes \u00e9thiques qui doivent gouverner les affaires et les activit\u00e9s du groupe. Le Code \u00e9thique et de conduite est applicable \u00e0 Cr\u00e8dit Andorr\u00e0, SA et aux soci\u00e9t\u00e9s d\u00e9tenues, quel que soit le pays o\u00f9 elles sont implant\u00e9es.<\/p>\n<\/div>\n                                            <\/div>\n                <\/div>\n                                                             <div class=\"relative block w-full mt-8 lg:mb-20 lg:mt-0 md:w-1\/2 colums-icons-list-el md:pr-5 lg:pr-9\" data-aos=\"fade\" data-aos-duration=\"500\"  data-aos-delay=\"250\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                    <div class=\"flex  flex-wrap colums-icons-list-el-inner\">\n                        <img data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Ethics_Market.svg\" alt=\"Ethics_Market\" class=\"lozad w-12 h-12\">\n                        <h6 class=\"w-full mt-2 text-lg font-bold\">Code de conduite sur les march\u00e9s de valeurs<\/h6>\n                        <div class=\"mt-2 font-light\"><p>Il r\u00e9gule les conditions de transparence et de protection des int\u00e9r\u00eats des investisseurs et contient les principes relatifs aux march\u00e9s d\u2019instruments financiers et les standards minimum internationaux des meilleures pratiques bancaires.<\/p>\n<\/div>\n                                            <\/div>\n                <\/div>\n                                                             <div class=\"relative block w-full mt-8 lg:mb-20 lg:mt-0 md:w-1\/2 colums-icons-list-el md:pr-5 lg:pr-9\" data-aos=\"fade\" data-aos-duration=\"500\"  data-aos-delay=\"500\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                    <div class=\"flex  flex-wrap colums-icons-list-el-inner\">\n                        <img data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Security.svg\" alt=\"Security\" class=\"lozad w-12 h-12\">\n                        <h6 class=\"w-full mt-2 text-lg font-bold\">Code d\u00e9ontologique de l\u2019Association des banques andorranes<br \/>\r\n<\/h6>\n                        <div class=\"mt-2 font-light\"><p>Il fixe les standards d\u2019honn\u00eatet\u00e9, d\u2019int\u00e9grit\u00e9, de professionnalisme et de confidentialit\u00e9 que les \u00e9tablissements bancaires andorrans doivent remplir dans le cadre de leurs relations avec les clients, les tiers, les superviseurs et les r\u00e9gulateurs.<\/p>\n<\/div>\n                                            <\/div>\n                <\/div>\n                                                             <div class=\"relative block w-full mt-8 lg:mb-20 lg:mt-0 md:w-1\/2 colums-icons-list-el md:pr-5 lg:pr-9\" data-aos=\"fade\" data-aos-duration=\"500\"  data-aos-delay=\"750\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                    <div class=\"flex  flex-wrap colums-icons-list-el-inner\">\n                        <img data-src=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Group-4.svg\" alt=\"Group (4)\" class=\"lozad w-12 h-12\">\n                        <h6 class=\"w-full mt-2 text-lg font-bold\">Pacte mondial<\/h6>\n                        <div class=\"mt-2 font-light\"><p>En tant que membre signataire du Pacte mondial, Creand Cr\u00e8dit Andorr\u00e0 s\u2019engage \u00e0 respecter ses 10 principes, dans les domaines des droits humains, des normes du travail, de l\u2019environnement et de la lutte contre la corruption.<\/p>\n<\/div>\n                                                <div class=\"w-full mt-3\">\n                            <a class=\"text-primary_direct_green_light flex items-center group-svg group hover:text-primary_forest_green_dark\" href=\"https:\/\/unglobalcompact.org\/what-is-gc\/participants\/97941\" target=\"_blank\" rel=\"noopener\">Plus d\u2019informations <\/a>\n                        <\/div>\n                                            <\/div>\n                <\/div>\n                                    <\/div>\n    <\/div>\n<\/section>\n<style>\n    .group-svg:hover svg path, .group-svg:hover circle{\n        stroke: #356C20;\n    } \n<\/style>\n\n<section id=\"block_b7592862e4098982c06f657e348173ab\" data-block_b7592862e4098982c06f657e348173ab   class=\"content-filter-no-year align  py-8 lg:py-16 section-content-filter-year relative block clear-both overflow-hidden\">\n    <div class=\"container\">\n        <div class=\"section-info\">\n            <h2 class=\"text-title font-tiempos_bold\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">Publications sur le Gouvernance d\u2019entreprise<\/h2>\n        <\/div>\n        <div class=\"section-content\">\n                        <div class=\"filtered-results mt-5\">\n                <div class=\"filter-year-list\">\n                                                                     <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"0\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    Rapport de solvabilit\u00e9 2024 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Informe-de-solvencia-Creand-2024.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"150\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    \u00c9tats financiers 2024 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Financial-Statements-Creand-Group-2024_web.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"300\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    Rapport d\u2019activit\u00e9 de l\u2019entreprise 2024 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/ICA_Creand_2024_complet_ANG_30.07.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"450\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    Rapport de solvabilit\u00e9 2023 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Informe-de-solvencia-Creand-2023.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"600\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    Rapport d\u2019activit\u00e9 de l\u2019entreprise 2023 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Creand_ING_web_0708.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"750\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    \u00c9tats financiers 2023 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Financial-statements-2023.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"900\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    Rapport de solvabilit\u00e9 2022 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Informe-de-solvencia-Creand-2022-comprimido.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"1050\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    \u00c9tats financiers 2022 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"1200\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    Rapport d&rsquo;activit\u00e9 de l&rsquo;entreprise 2022 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/Creand_ING.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                                                             <div class=\"filter-year-list-el w-full mt-5\" data-aos=\"fade-right\" data-aos-duration=\"500\" data-aos-delay=\"1350\" data-aos-easing=\"ease-in-out\" data-aos-once=\"true\">\n                            <div class=\"filter-year-list-el-inner px-5 py-8\">\n                                <div class=\" mt-4 font-bold  w-full lg:w-3\/4 font-roboto_regular text-lg\">\n                                    Informe corporatiu anual 2023 \n                                    <!-- \n                                    \u00b7 \n                                    <span class=\"font-light\">.<\/span>\n                                    <div class=\"font-light uppercase inline-block\">(,<span class=\"ml-2\">)<\/span><\/div>\n                                    -->\n                                <\/div>\n                                <div class=\"flex w-full justify-end uppercase cursor-pointer\">\n                                    <a href=\"https:\/\/creandgroup.com\/wp-content\/uploads\/ICA-CAT-1.pdf\" class=\"download-btn-filter\">\n                                        T\u00e9l\u00e9charger\n                                        <svg class=\"icon-download\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 3V16\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M7 12L12 17L17 12\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<path d=\"M20 21H4\" stroke=\"black\" stroke-linecap=\"round\"\/>\n<\/svg>                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n<style>\n    .download-btn-filter {\n        font-size: 14px;\n        display: flex;\n        justify-content: space-between;\n        gap: 10px;\n        align-items: center;\n        color: #369125;\n        line-height: 20px;\n        text-transform: uppercase;\n    }\n    .download-btn-filter svg {\n        width: 20px;\n    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