Talents Innovation • The employee empowerment index (Indice de Mise en Responsabilité - IMR, a measure of the cultural and managerial transformation of the Crédit Agricole Group) has improved at Indosuez: 77% positive opinions, a +2 point gain compared with 2022 and very high participation, with nearly 9 out of 10 employees responding to the survey. • Diversity month: 10 workshops organised in Monaco, Paris, Geneva, Luxembourg and Lausanne to gather the perceptions and expectations of employees and managers concerning diversity. • Representation: 40% women in the management bodies and 42% in the governance bodies. • 136 mini-companies involving 1,400 employees to cultivate a collective spirit and promote new management and organisational practices to serve our clients relations. • Indosuez in Spain won the Great Place To Work award, the first foreign bank to win this title. • Welcoming 270 young people (recruitment on permanent contracts of VIE international interns, Indosuez, the leading VIE employer in Switzerland, observation internships, etc.). Acceleration of the digital transformation: • Investments in fintechs: a majority stake in Wealth Dynamix (client relationship management tool) and a minority stake in AirFund (digitisation of the distribution of private equity funds). • Deployment of the Wealth Dynamix tool in Belgium, Spain and Monaco and the My Indosuez mobile app made available to all clients. • First electronic signatures in partnership with Luxtrust to digitise the client journey. • At Azqore, optimisation of the data centre and success of the migration of SG Private Banking. Deployment of SG solutions developed with other clients. • Also at Azqore, significant improvement in client satisfaction in 2023 and transaction volume up 13%. • Azqore was voted Best Banking-as-aservice provider at the MEA Finance Awards 2023 and rewarded for its technological know-how (IBS Intelligence Awards and Wealth Briefings Awards 2023). Responsibility • Indosuez continues to roll out its responsible offering across all asset classes. ESG criteria are now integrated into its various support methods (advisory or management mandates), its processes for the design and selection of financial products (directly held securities, investment funds, structured products) and our credit approval policy. A coal strategy has been approved for investments and an oil & gas strategy is in the pipeline for 2024. • Launch of new responsible offers: an “equity impact” investment fund classified Article 8 under the SFDR and a green structured products mandate in France, a solidarity-based product “CFM Blue Initiative”, the issue of a first Social Notes product and the conversion of a responsible fund (CFM Environnement Développement Durable) into a charity sharing fund in Monaco, with part of the management fees now being paid to the Global Coral Conservatory. • At the same time, the investment grids are gradually changing to allocate a greater share to funds qualifying as Articles 8 and 9 under the SFDR in order to improve the sustainability of the portfolio. Annual Report 2023 19
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