a sustainability strategy based on 3 pillars

for a green future

care for well-being

opportunities for all

for a green future

Achieving carbon neutrality by 2050

We are fully aligned with Renault Group's ambition to achieve carbon neutrality worldwide by 2050 and in Europe by 2040. 

We address climate change and environmental transition in our daily efforts. It involves for us to measure the direct carbon footprint of our own operations in 25 countries where we operate, so that we monitor and reduce its evolution. Our company has set carbon reduction targets vs 2019 as a reference year: -35% of emissions by 2030, -40% by 2035 and –45% by 2040.

We encourage our customers to switch from internal combustion vehicles to electric and hybrid vehicles. This is thanks to our financing and payment solutions as well as our flexible services

We issued our first green bond for €500 million in 2022 and the second one for €750 million in 2023. The proceeds will be used to finance electric vehicles and charging infrastructure.

our own operations carbon emissions in 2019

We measure our carbon footprint in 25 countries out of the 35 countries in which we operate (financially consolidated).

Graphe décarbonation 2019

  • Scope 1: Direct emissions from owned or controlled sources. Fossil energy combustion (gas consumption, fuel from company cars) and fugitive emissions
  • Scope 2: Indirect emissions, related to the purchase or production of energy by the company.
  • Scope 3: Upstream indirect emissions (not included in scope 2) that occur in the value chain (Purchased goods and services, Employee commuting, Business travel, Fuel and Energy related activities not included in scope 1 or scope 2, Upstream transportation and distribution).
Financial reports
April 03rd, 2024

2023 Annual Financial Report (RCI Banque)

pdf format - 2.83 MB

some concrete initiatives 

RCI Bank, our UK subsidiary dedicated to online savings, launched its first green savings product in 2021: RCI Bank E-Volve Saver. This new product is designed to facilitate the switch to electric vehicles, as part of the fight against climate change. The product was awarded the prize for "best ethical savings initiative" by MoneyComms.  

To mark the first anniversary of E-Volve Saver, RCI Bank UK has supported a reforestation project by planting 500 trees in Brazil thanks to Tree Nation.

Switch Car gives electric car owners access to a replacement vehicle (usually an internal combustion engine) for a certain number of days per year, depending on the subscribed option. This solution has a double advantage: 

• Support customers who are reluctant to own an electric vehicle by offering them a solution for long journeys ; 

• Supporting Renault Group through this period of transition in mobility. 

care for well-being

Make our company a great place to work and guarantee customer satisfaction

End customers, manufacturers, dealers and employees: our stakeholders’ satisfaction is at the heart of our values. 

The health and well-being of our employees and their families is of paramount importance to us. Our employees expect their work to bring a significant sense of purpose to their lives. Therefore, we help them meet this need by providing them with the necessary assistance to balance their professional and personal lives. 

We regularly measure the experience and commitment of our employees, so that we can make positive changes, grow and transform together. That's why we're rolling out the Great Place to Work certification, which enables us to gather feedback from employees. To date, we have received this certification in six countries: Spain, Brazil, the United Kingdom, Colombia, Argentina and France. 

Our short-term objective is to continue rolling out the Great Place to Work survey, with the aim of having at least 5 of our major countries certified by 2024. 

As for our retail customers, professionals and dealers, we regularly conduct satisfaction surveys to help us better understand their expectations and needs.

some concrete initiatives 

  • Challenge OuiLive - Group 

Since 2022, positive impact challenges have been organized for all group employees. These are themed challenges, during which participants answer quizzes, take photos and cover kilometers to earn points and trees to plant in our Tree Nation forest. The last challengebrought together nearly 400 participants from all the group's countries.

  • “Great place to work” certification – Spain

In 2023, Mobilize Financial Services Spain was recognized for the second time as one of the "Best Workplaces" in Spain, by Great Place to Work Spain.

  • A better work/life balance - Korea

To maintain a balance between professional and personal life, the Korean subsidiary has introduced a program allowing employees to leave work 1 hour earlier on the second Wednesday of each month. This allows employees to spend more time with their families, do sport or rest.

opportunities for all

Attain at least 40% of women in managerial positions and a 0% gender pay gap by 2024

Diversity, inclusion and equality are at the heart of our commitment and raison d'être. The diversity of our employees must reflect the diversity of our customers. 

In line with Renault Group's objective, we are committed to increasing the number of women in management positions to over 40% and to reducing the gender pay gap to 0% by 2024. 

Through training and acculturation at all levels of the organization, Mobilize Financial Services empowers its employees against all forms of discrimination. Whistleblowing systems are also put in place to report any discrimination incidents.

To further promote diversity and inclusion, WeMobilizers, an internal community working to promote women in the workplace, has been set up within the Group.

some concrete initiatives

From 3 to 18 March 2023, 2 female employees of Mobilize Financial Services and Renault Group took part in the Rallye Aïcha des Gazelles, a 100% women's rally-raid which has been held every year in the Moroccan desert since 1990. The Rally is a unique competition focusing on adventure, orientation, solidarity and environmental protection, while promoting the participation of women in motor sports and raising awareness of women's issues in developing countries.

  • Women empowerment academy - Italy

The Women empowerment academy set up by the Italian subsidiary offers training programs to develop the technical, behavioral and interpersonal skills needed for access to managerial positions. 

To date, 17 women have completed the training program. They also benefit from HR support in terms of career development.  

  • Membership of the Observatoire de la Responsabilité Sociétale des Entreprises - Corporate

ORSE is a French association that carries out, on behalf of its members, a permanent watch on corporate social and environmental responsibility, sustainable development and socially responsible investment in France, Europe and abroad. As a member, we are regularly informed of the latest trends in sustainable development.

Manifesto
June 07th, 2022

sustainability manifesto - Mobilize Financial Services

pdf format - 1.7 MB
Code
October 09th, 2023

Sustainable Procurement Charter - Mobilize Financial Services

pdf format - 674.06 KB

a benchmark ESG rating in our industry

In May 2023, RCI Banque was assessed by Morningstar Sustainalytics to be at Negligible risk of experiencing material financial impacts from ESG factors (disclaimers). The ESG Risk Ratings measure a company's exposure to industry-specific material ESG risks and how well a company is managing those risks. Our ESG Risk rating is Negligible and the management of ESG Material Risk is considered Strong.

In 2024, RCI Banque was recognized by Morningstar Sustainalytics as an ESG Industry and Regional Top Rated company, for the second year in a row.

Last update: May 24, 2023.

more about our ESG rating

green bonds

Find all the documents about the green bonds at the group RCI Banque SA, operating under the commercial brand Mobilize Financial Services.

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