Boldness in
value generation
Boldness in
value generation
SOCIAL RESPONSIBILITY
MODEL
SOCIAL RESPONSIBILITY
MODEL

Crédito Real believes that sustainability means being able to execute our business model and generating value for society, the environment and future generations. It is our duty is to contribute to a change towards sustainability in the countries in which we operate; in order to achieve this we have developed our Social Responsibility Model based on seven key pillars.

modelo H U M A N R I G H T S V I S I O N V A L U E S C U L T U R A A Z U L P U R P O S E M I S S I O N O U R P H I L O S O P H Y E N V I R O N M E N T Q U A L I T Y O F L I F E R E S P O N S I B L E M A R K E T I N G C O M M U N I T Y O U T R E A C H C O R P O R A T E E T H I C S C S R M A N A G E M E N T S O C I A L R E S P O N S I B I L I T Y M O D E L
OUR PHILOSOPHY

Our philosophy is sustained by our mission, vision, values, Cultura Azul (Blue Culture) and purpose.

SOCIAL RESPONSIBILITY MODEL

In order to contribute to sustainable development, we manage our actions through our Social Responsibility Model, which is sustained by seven strategic pillars.

Crédito Real 2017 Materiality Matrix


In 2017 we carried out a materiality study following the methodology recommended by the Global Reporting Initiative (GRI) in order to identify the most representative issues to the business.



We are committed to the improvement of our material performance, assessing the evolution of the company year after year in order to improve our position in the sector.

Risk and crisis management
Occupational well-being
Regulation and self-regulation
Transparency and accountability
Index and ranking positioning / sector leadership
Access to financial education and solution
Corporate governance
Corporate conduct codes
Profitability
Business model and value generation
Financial consumer protection
Environmental policy and management
Participation of women in corporate governance

Today, our focus on continuous improvement and our determination for everyday progress has allowed us to be included in the ranking and reports of the following institutions:

  • Centro Mexicano para la Filantropía (CEMEFI)
  • Corporate Sustainability Report
  • SAM’s Corporate Sustainability Assessment Companion

Alliances with value



Crédito Real constantly strives to generate value for all its stakeholders –the individuals, organizations and institutions with whom we have established strong bonds in the performance of our activities.

Our objective is to consolidate the bonds with every one of them; we do this through a mutual dialog that provides the benefit of understanding the issues that most concern them thereby safeguarding the feasibility of our business:

Shareholders

Associations

Authorities, government and public institutions

Rating agencies

Academic centers

Distributor clients and final clients

Collaborators

Competition

Community

Board Members

Directors

Affiliates and subsidiaries

Financial intermediaries

Investors and creditors (debt holders and banks)

Civil Society organizations

Suppliers

Business Partners

In 2018 we conducted an evaluation which enabled us to understand the expectations and interests of our stakeholders in order to identify and prioritize them. The results are shown below:

Shareholders

  • Profitability
  • Corporate governance
  • Transparency
  • Business ethics
  • Financial information
  • Risk management
  • Truthful, timely and consistent information
  • Strategic growth plan
  • Diversification
  • New products and services
Associations

  • Strategic alliances
  • Participation in work groups
  • Cooperation and development
Authorities, government and public institutions

  • Activity information
  • Regulation compliance
  • Integrity of business operations and financial regulations compliance
  • Transparency and timely reporting
  • Product offer and marketing of products and services in compliance with regulations
  • Fight against corruption
Distributor clients and final clients

  • Clients
    • Greater trust and safety
    • Digital infrastructure
    • Accompaniment
    • Improved loan terms
    • Service efficiency
    • Product accesibility and innovation
    • Clear product-related information


  • Distributors
    • Value chain development
    • Competitive products
    • New products and services
    • Sales force training
    • Operational efficiency
    • Synergies
Collaborators

  • Job development
  • Benefits
  • Recognition system
  • Remuneration
  • Professional growth
  • Work/Life balance
Community

  • Community engagement
  • Activities favoring society and the environment
  • Report on activities
  • Social responsibility management
  • Business ethics
  • Economic or in-kind contributions
Civil Society organizations

  • Community engagement
  • Activities favoring society and the environment
  • Report on activities
  • Social responsibility management
  • Business ethics
  • Economic or in-kind contributions
  • Strategic alliances
  • Participation in taskforces
  • Cooperation and development
Suppliers

  • Development of the value chain
  • Timely payment
  • Requirements and standards
  • Contribution to growth
Business partners

  • Chain of value development
  • Competitive products
  • New products and services
  • Sales force training
  • Operational efficiency
  • Synergies
UN Global Compact UN Global Compact

In 2013 we adhered to the UN Global Compact, the world’s largest corporate responsibility initiative. In 2018 we continued to adhere to its 10 principles that promote respect for human rights, labor standards, environmental care and the fight against corruption.

derechos-ingles

  1. Businesses should support and respect the protection of internationally proclaimed human rights.

  2. Businesses should make sure that they are not complicit in human rights abuses.

estandares-ingles

  1. Businesses should uphold the freedom of association and the effective recognition of the right to collective bargaining.

  2. Businesses should uphold the elimination of all forms of forced and compulsory labour.

  3. Businesses should uphold the effective abolition of child labour.

  4. Businesses should uphold the elimination of discrimination in respect of employment and occupation.

medio

  1. Businesses should support a precautionary approach to environmental challenges.

  2. Businesses should undertake initiatives to promote greater environmental responsibility.

  3. Businesses should encourage the development and diffusion of environmentally friendly technologies.

ANTI

  1. Businesses should work against corruption in all its forms, including extortion and bribery.

Recognitions and adopted initiatives Recognitions and adopted initiatives
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