2025 Integrated Report

Listening to our stakeholders

In line with our Company purpose – “we are at the service of our clients and the world we live in” – we have chosen to engage in an open and constructive dialogue with our stakeholders. At the heart of our strategic approach, this ongoing dialogue helps us better understand their expectations and the changes shaping society. It is therefore an essential part of our social and environmental responsibility.

Our stakeholder listening approach involves identifying and understanding their interests, perspectives and expectations, and assessing the impact of our activities. This enables us to broaden our perspective, anticipate our clients’ needs and adapt our range of products and services accordingly. These exchanges also inform our innovation approach, while taking into account our impact on society. This ongoing dialogue with our stakeholders, through which we explain our decisions and actions, supports our dual objective of transparency and clarity.

IDENTIFYING OUR KEY STAKEHOLDERS

We have identified several stakeholders of various types:

  • our individual, professional, corporate and institutional clients;
  • our employees, trade unions, and employee representatives;
  • our shareholders, individual and institutional investors;
  • our suppliers;
  • financial and extra-financial rating agencies;
  • regulatory bodies and public authorities;
  • civil society and its organisations.

STRUCTURING AN ONGOING DIALOGUE

We establish a structured approach to dialogue with our stakeholders. Each has dedicated contacts within the Group and interaction procedures. We therefore adapt and deploy a range of dialogue channels, including regular exchanges surveys, networks, and events.

Moreover, some of these interactions are governed by formal frameworks:

  • for clients, our policy for the protection of their interests defines the organisational and conduct rules to be applied throughout the relationship and at all stages of the product and service life cycle;
  • for suppliers, our Sustainable Procurement Charter sets out our ethical principles and commitments towards them, and vice versa.

ENHANCING OUR STRATEGIC THINKING

Regularly engaging with our employees and internal stakeholders enables us to capture their interests and perspectives, thereby informing our thinking and contributing to the definition of our action plans.

Similarly, the expectations of our external stakeholders, shared through our various dialogue channels, are regularly reported to our governance bodies and contribute to the development of our strategy.