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<page method="xml-texts" num="1"><![CDATA[upcoop group’s csr approach Discover Discover]]></page>
<page method="xml-texts" num="2"><![CDATA[Contents Editorial Environment Social Governance Editorial Environment Social Governance]]></page>
<page method="xml-texts" num="3"><![CDATA[Making CSR a driver of sustainable performance!]]></page>
<page method="xml-texts" num="4"><![CDATA[Editorial Estelle Verdureau Directrice RSE, Marque et identité Déléguée générale de la Fondation Upcoop Marc Buisson Président-Directeur général de la coopérative et du Groupe Upcoop Estelle Verdureau Director of CSR, Brand and Identity. Executive Director of the UpCoop Foundation. Youssef Achour Chairman and Chief Executive Officer of the Upcoop Group.]]></page>
<page method="xml-texts" num="5"><![CDATA[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.]]></page>
<page method="xml-texts" num="6"><![CDATA[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 About us?]]></page>
<page method="xml-texts" num="7"><![CDATA[The Upcoop Group in figures: Upcoop designs employee benefits and public schemes that improve the quality of life for employees and communities.. Our mission: to work together sustainably to promote purchasing power that serves social and local interests. Our mission: to work together sustainably to promote purchasing power that serves social and local interests. 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]]></page>
<page method="xml-texts" num="8"><![CDATA[Environment Our ambition Our ambition Our actions Our actions]]></page>
<page method="xml-texts" num="9"><![CDATA[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.]]></page>
<page method="xml-texts" num="10"><![CDATA[Environment Our actions 2 | Energy transition 3 | Circular economy & eco-design 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 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. 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 1 | Reducing our carbon footprint 2 | Energy transition 3 | Circular economy & eco-design]]></page>
<page method="xml-texts" num="11"><![CDATA[4 | Responsible procurement 5 | Responsible digital practices 6 | Biodiversity & climate action 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 . 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. 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. 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. 4 | Responsible procurement 5 | Responsible digital practices 6 | Biodiversity & climate action]]></page>
<page method="xml-texts" num="12"><![CDATA[Social Our ambition Our ambition Our actions Our actions]]></page>
<page method="xml-texts" num="13"><![CDATA[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.]]></page>
<page method="xml-texts" num="14"><![CDATA[Social Our actions 2 | Social dialogue and participatory governance 3 | Equality, diversity and inclusion 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. 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) 1 | Working conditions & quality of life 2 | Social dialogue and participatory governance 3 | Equality, diversity and inclusion]]></page>
<page method="xml-texts" num="15"><![CDATA[4 | Skills development 5 | Social and local impact 6 | Social commitment & the Social and Solidarity Economy 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. 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. 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 ➡️ TARGET: To make solidarity a driving force for collective action by engaging Upcoop’s employees and partners Read the Upcoop Foundation’s annual report Read the Upcoop Foundation’s annual report 4 | Skills development 5 | Social and local impact 6 | Social commitment & the Social and Solidarity Economy]]></page>
<page method="xml-texts" num="16"><![CDATA[g overnance Our ambition Our ambition Our actions Our actions]]></page>
<page method="xml-texts" num="17"><![CDATA[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.]]></page>
<page method="xml-texts" num="18"><![CDATA[g overnance Our actions 2 | Combating fraud and corruption 3 | Data protection & cybersecurity 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. 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. 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. 1 | Ethics & Compliance 2 | Combating fraud and corruption 3 | Data protection & cybersecurity]]></page>
<page method="xml-texts" num="19"><![CDATA[4 | ESG risk management 5 | Contribution to the Sustainable Development Goals 6 | Governance ESG risk management 04 A governance committee dedicated to steering the Group’s CSR strategy and ESG issues A double materiality analysis identifying the impacts, risks and opportunities associated with the issues most significant to Upcoop: climate change, the company’s workforce, business conduct, the circular economy, and consumers and end-users. TARGET: To place risk anticipation and the identification of opportunities at the heart of the company’s strategy and management. 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. 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. 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. Governance 06 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. 4 | ESG risk management 5 | Contribution to the Sustainable Development Goals 6 | Governance]]></page>
<page method="xml-texts" num="20"><![CDATA[Thank you to all our employees for their commitment! UPCOOP GROUP HEAD OFFICE  9-11 boulevard Louise Michel  92230 Gennevilliers - France]]></page>
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