Contents
Editorial
Environment
Social
Governance
upcoop group’s csr approach
Contents
Editorial
Environment
Social
Governance
Making CSR a driver of sustainable performance!
Editorial
Marc Buisson
Président-Directeur général de la coopérative et du Groupe Upcoop
Youssef Achour
Chairman and Chief Executive Officer of the Upcoop Group.
Estelle Verdureau
Directrice RSE, Marque et identité Déléguée générale de la Fondation Upcoop
Estelle Verdureau
Director of CSR, Brand and Identity.
Executive Director
of the UpCoop
Foundation.
At Upcoop, our Corporate Social Responsibility is fully integrated into our corporate mission and guides our day-to-day decisions.
We manage our CSR approach with clear objectives and concrete indicators, to measure our progress and take action over the long term. We embed our environmental, social and governance commitments into every decision we make, every service we offer and every aspect of how we operate.
Every day, together with our customers, partners and employees, we put a strong conviction into practice: sustainable cooperation to ensure that purchasing power serves a social and local purpose.
We move forward in the belief that purchasing power is more valuable when it supports the local economy, promotes inclusion and contributes to the common good. Because we are convinced that a responsible business is, above all, a business that is constantly evolving, we use CSR as a driver of innovation, transformation and trust.
Youssef Achour
Chairman and Chief Executive Officer of the Upcoop Group.
About us?
A major player in the social and solidarity economy, Upcoop has been an employee- owned cooperative and participatory organisation since 1964. Operating in 25 countries, the group designs employee benefits and public support schemes that improve everyone’s quality of life. Historically recognised for its solutions in the areas of lunch, gifts, culture, sport, leisure and social action, the group develops payment solutions and services with social and local benefits, serving businesses and local authorities. The Group has 3,500 employees worldwide and is set to achieve a turnover of nearly €1 billion in 2026.
In 2023, Upcoop became the first SCOP in France to adopt the status of a ‘mission-driven company’.
C ooperation at the heart of a sustainable strategy
The Upcoop Group in figures:
3529 employees
57% women 43% men
1 million customers
including 706,000 listed merchants and affiliates
20 million beneficiaries
€858 million in turnover
€10.7 billion issuance volume of prepaid card issuance
672 million digital transactions
77 subsidiaries in 25 countries across 4 continents
Certifications that demonstrate our high standards and guarantee our services
Upcoop designs employee benefits and public schemes that improve the quality of life for employees and communities..
Our
ambition
At Upcoop, environmental responsibility is much more than a commitment: it is an integral part of our cooperative identity and our vision of sustainable, inclusive and resilient development. We are taking concrete action to reduce our environmental footprint, support the ecological transition and encourage more responsible practices at all levels of the organisation.
We place climate issues at the heart of our governance, procurement, operations and digital transformation. Aligned with international standards, our approach forms part of a credible, measurable transition pathway that delivers positive impacts for our entire ecosystem.
Environment
Our
actions
| 1 Reducing our carbon footprint
Reducing our
carbon footprint
01
Carbon mitigation measures across the four areas with the highest emissions: travel, energy consumption, fixed assets and procurement
A 25 per cent reduction in our carbon emissions over two years (2024–2026)
Commitments reinforced by a Science Based Targets initiative (SBTi) approach in 2026
The roll-out of remote working across all subsidiaries to help reduce staff travel
Making solutions providing employees with sustainable mobility and provision of bicycles, easier access to public transport, car-sharing scheme
Training for all employees on the ‘Fresque du Climat’ and awareness-raising initiatives on eco- friendly practices.
TARGET: To reduce our carbon emissions 25% by 2030 and achieve carbon neutrality by 2050
| 2 Energy transition
Energy
transition
02
A procurement process for our business sites, incorporating stringent criteria regarding carbon footprint and extending the lifespan of our property portfolio
75 per cent of our energy consumption to come from renewable sources. A 5 per cent annual increase in the share of low-carbon energy used to power our sites
Energy consumption across all the Group’s subsidiaries is down by 5 per cent compared with 2024
TARGET: To reduce our energy consumption, develop low-carbon energy sources and ensure our infrastructure is sustainable to accelerate our energy transition.
| 3 Circular economy & eco-design
Circular economy
& eco-design
03
80 per cent of our paper-based securities sourced from sustainably managed forests
60 per cent of our card production is made from recycled plastic
Creating networks of retailers that promote the circular economy (buying locally, short supply chains, giving products a second life, reducing waste, etc.)
Integrating the principles of the circular economy across our entire range.
TARGET: To recycle 100 per cent of our paper tickets and plastic cards by 2030
| 4 Responsible procurement
Responsible
procurement
04
Signatory to the Charter on Supplier Relations and Responsible Procurement (RFAR) in France since December 2022
Adherent and member of the Board of Directors of ObsAR (Observatory for Responsible Procurement)
Responsible procurement practices , including CSR criteria in tenders and prioritising local and committed suppliers
Annual CSR assessment of our essential service providers
TARGET: 30 per cent responsible procurement by 2030 across all our subsidiaries A strategic lever for turning the supply chain into a driver of ESG transformation.| 5 Responsible digital practices
Responsible
digital practices
05
Signatory to the Responsible Digital Charter since 2024
The integration of eco-design and accessibility criteria into the development of websites, applications and digital platforms.
A commitment to digital frugality: selecting data centres with low PUE/CUE ratings, extending the lifespan of hardware, refurbishment, minimising over-provisioning, and eco-design of applications
Partnerships promoting digital inclusion (Emmaüs Connect, the National Agency for the Fight against Illiteracy, Silver Geek, etc.)
Raising staff awareness of eco-friendly digital practices during Digital Clean Up Day
The Upcoop Group’s website is 98.31 per cent accessible
TARGET: To combine innovation, simplicity and inclusion to build a more responsible digital future, serving our customers, our employees and society as a whole.
| 6 Biodiversity & climate action
Biodiversity &
climate action
06
Climate action projects, primarily involving reforestation, certified under the Low Carbon Label, Ecocare2 and Gold Standard in France, Italy and Germany
A green investment fund in Mexico, financing reforestation, clean energy and water sanitation.
Support for Bleu-Blanc-Cœur’s French ‘Éco- méthane’ initiative, aimed at reducing the carbon footprint of livestock farming and supporting the transition to more sustainable agriculture
Local initiatives led by employees: greening of sites, tree planting, etc.
Partnerships promoting biodiversity and urban agriculture (Veni Verdi, La Ferme des Possibles, Réseau Cocagne, Les Anges Gardins, Les Cols Verts Réseau, …)
TARGET: To carry out concrete actions in support of biodiversity, sustainable agriculture and climate action, in order to preserve ecosystems.
Our
ambition
For over 60 years, Upcoop has placed people and cooperation at the heart of its development. True to its cooperative model, the Group creates the conditions for the long-term commitment of its staff.
Convinced that collective performance relies above all on the men and women who bring the company to life, Upcoop is committed to promoting a respectful, inclusive and meaningful working environment. Guided by its social charter, this ambition is reflected in strong commitments to human rights, diversity, equality and quality of life at work.
Social
Our
actions
| 1 Working conditions & quality of life
Working conditions
& quality of life
01
A signatory to the United Nations Global Compact Charter since 2006
Working conditions that guarantee a safe, inclusive and balanced working environment, as set out in its social charter
Training on the prevention of psychosocial risks for managers and awareness-raising initiatives on Quality of Life and Working Conditions (QVCT)
An annual survey to measure the quality of working life for all employees
Equal access for all employees to social protection schemes (health, personal protection, pensions, health and safety at work)
TARGET: To ensure the health, safety and social protection of all employees.
Social dialogue and participatory governance
02
A board of directors comprising employees, representatives of three trade union confederations and staff representatives
Employee representation on the governing bodies of all subsidiaries, enabling active participation in strategic decision-making
A European Works Council bringing together staff representatives from eight countries
Collective agreements on key HR issues (equality in the workplace, diversity and inclusion, quality of life at work, working hours, etc.)
61 per cent of European employees covered by collective agreements
TARGET: To strengthen social dialogue and participatory governance in order to place employees at the heart of decision-making.
| 2 Social dialogue and participatory governance
| 3 Equality, diversity and inclusion
Equality, diversity
and inclusion
03
Initiatives to promote employment integration (people on probation, young people from priority neighbourhoods and refugees)
An employment rate for people with disabilities exceeding the legal requirement: 10.2 per cent (parent company)
Awareness-raising initiatives on harassment and sexism in the workplace
Gender equality score 90/100 ( 2025 Index )
TARGET: A target to reduce the gender pay gap by 5 per cent by 2027 (parent company)
| 4 Skills development
Skills
development
04
Providing a learning platform and dedicated modules to acquire the essential foundations of our roles, and to develop skills for the future (AI, cyber-security, CSR, climate, regulations relating to the Group’s activities, etc.
An average of 21.2 hours of training per employee per year
A Women’s Leadership Programme, designed to prepare female staff for management roles
Strong support for internal mobility and career development
77.5 per cent of employees receive training each year
TARGET: To promote continuous learning in order to strengthen everyone’s ability to contribute to the Group’s transformation in the long term.
| 5 Social and local impact
Social and local
impact
05
Products and services that boost the purchasing power of employees and citizens
Offerings and services that contribute to:
Social dialogue
The local economy
Social inclusion
The ecological transition
TARGET: Our solutions directly contribute to social and territorial cohesion.
| 6 Social commitment & the Social and
Solidarity Economy
Social commitment & the Social and Solidarity
Economy
06
The Upcoop Corporate Foundation: 100 projects supported in 14 countries over 8 years
Social engagement schemes offered to employees: salary rounding, solidarity assignments, support for our employees’ solidarity projects…
Introduction of annual solidarity leave for our employees in France, Italy, the Czech Republic and Belgium
Support for partners working to promote sustainable food, access to education and culture, and a more responsible consumption
➡️
Read the Upcoop Foundation’s annual report
Our
ambition
Because trust lies at the heart of our cooperative model, a commitment to integrity guides everything we do. Compliance with competition rules is a fundamental commitment to our employees, customers, partners and all our stakeholders. It ensures fair and transparent business practices that are consistent with the values of solidarity, fairness and responsibility that underpin Upcoop’s identity.
This ambition is reflected in a rigorous compliance programme, which forms part of a comprehensive approach to risk management and business ethics. It sets out the principles, behaviours and vigilance expected on a day-to-day basis.
g overnance
Our
actions
| 1 Ethics & Compliance
Ethics &
Compliance
01
Certifications, held by the parent company and its subsidiaries, which demonstrate our high standards in terms of quality, safety and risk management: ISO 9001, ISO 14001, ISO 2701, ISO 26000, Ecovadis, Impact Score
An ethics reporting scheme for employees, suppliers and customers, enabling them to report conduct that is fraudulent or contrary to business ethics
➡️ View our Code of Ethics
TARGET: To ensure responsible and transparent practices through certified commitments and effective whistleblowing mechanisms.
| 2 Combating fraud and corruption
Combating fraud and corruption
02
1,878 employees trained in combating fraud and corruption
Anti-corruption programmes (Sapin II Act)
Risk mapping and internal controls
Zero tolerance for fraud, corruption and anti- competitive practices
TARGET: Ensuring ethical and responsible practices to build lasting relationships of trust with our stakeholders.
| 3 Data protection & cybersecurity
Data protection & cybersecurity
03
1,803 employees trained in data protection
10 subsidiaries certified to ISO 27001
A Group-wide cybersecurity programme featuring regular technical and compliance checks, cyber defence and cyber insurance cover;
A CyberRisk approach to incorporate technological developments (such as AI) and comply with regulatory requirement
100 per cent of staff trained in cybersecurity in France
TARGET: To ensure IT security and maintain the trust of our partners and users.
| 4 ESG risk management
ESG risk
management
04
A gradual and controlled transition towards CSRD compliance: voluntary sustainability reporting in 2026, in anticipation of the regulatory obligations due to come into force by 2028.| 5 Contribution to the Sustainable Development Goals
Contribution to
the Sustainable Development Goals
05
The Upcoop Group supports the 17 Sustainable Development Goals through its internal policies, partnerships, services and solutions, and prioritises action on 12 SDGs.
TARGET: To place the Sustainable Development Goals at the heart of our strategy and prioritise action on 12 of them.
| 6 Governance
06
Governance
The Board of Directors: It sets the strategic direction for our Group, with CSR issues fully integrated into this framework.
- 12 directors elected by the 648 employee- members of the parent company in 2023
- 3 representatives of the parent company’s Economic and Social Committee
- 3 representatives of the trade union confederations that contributed to the creation of the co-operative
- 45 per cent men / 55 per cent women
The Executive Committee: It steers the strategic approach and its implementation across our entire Group.
- 8 functional departments
- 6 regional divisions
- 37.5 per cent / 62.5 per cent women / men
The CSR Strategy Committee: It steers and supports the roll-out of the CSR strategy, the commitments made and the initiatives defined at Group level.
- General Management teams for France and International
- Members of the Board of Directors and Executive Committee
TARGET: Steering and driving the Group’s strategy through committed and responsible governance.
Thank you to all our employees for their commitment!
UPCOOP GROUP HEAD OFFICE
9-11 boulevard Louise Michel
92230 Gennevilliers - France