Given the current stage of our work on climate change, our key performance 
indicators and decarbonization plan are currently being validated and will be 
finalized soon. These indicators will be taken into account in our risk appetite 
framework. Monitoring indicators, including portfolio carbon intensity, will also 
be defined.
In 2025, we calculated our carbon footprint using the Greenhouse Gas Protocole 
methodology, presented in the Quantification methodology Appendix for 
Scopes 1 and 2 emissions. The calculation covers all mutual companies and our 
Fédération for the 2025 financial year.
•	
Scope 1—Direct emissions generated by sources owned or controlled 
by our organization. Example: emissions from fuel combustion in our 
buildings or related to our vehicle fleet.  
•	
Scope 2—Indirect emissions associated with the generation 
of electricity purchased and consumed by our organization. 
These emissions come from the facilities that generate this energy, 
not from our organization’s direct operations. They are calculated 
using the location-based method, based on emission factors from 
the local electricity grid.  
* Gold Standard is an independent certification that ensures carbon offset projects not only reduce GHG emissions in a measurable and verifiable way, but also generate significant 
social and environmental co-benefits.
Scope
Sources of emissions
Tonnes of CO2 equivalent, 2025
1
Direct GHG emissions
396
2
Indirect GHG emissions
32
Since 2022, we have offset our Scopes 1 and 2 
carbon footprint each year using Gold Standard-
certified carbon credits* from Planetair.
Indicators 
and targets  
2025 – CSR SUMMARY
84

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