- Failure to take ESG issues into account in governance.
- Corruption, conflict of interest, absence of tax transparency.
- Fraud, money laundering, terrorist financing.
- Failure to protect personal data, cybersecurity breaches.
- Failure to match insurance products with longer life expectancy.
- Failure to take ESG issues into account in investment and insurance businesses.
- Inability to maintain customer satisfaction and transparency.
- Lack of appeal and inability to retain talent.
- Non-compliance with regulations regarding equal opportunity and employee health and well-being.
- Failure to take climate change issues into account in all activities.
CNP Assurances SA
Greenhouse gas emissions & sustainability report data
In its 2023 reporting, CNP Assurances SA disclosed greenhouse gas emissions of 4.7M teqCO2 (Scopes 1 2 and 3 location-based). By scope: Scope 1: 1.8K teqCO2; Scope 2: 2.1K teqCO2 (location-based) 1364 teqCO2 (market-based); Scope 3: 4.7M teqCO2. Figures are as stated in the company's own report and may use different boundaries, units or methods (for example market-based vs location-based Scope 2), so compare with care.
GHG Emissions
4.7M teqCO2 (Scopes 1 2 and 3 location-based)
2023
Waste
4.7 tonnes collected during World Cleanup Day
2023
📊 Emissions by Scope (2023)
| Scope | What it covers | Reported value |
|---|---|---|
| Scope 1 | Direct emissions from sources the company owns or controls (fuel combustion, company vehicles, process and fugitive emissions). | 1.8K teqCO2 |
| Scope 2 | Indirect emissions from purchased electricity, steam, heat and cooling. | 2.1K teqCO2 (location-based) 1364 teqCO2 (market-based) |
| Scope 3 | Other indirect emissions across the value chain (purchased goods, business travel, use of sold products, etc.). | 4.7M teqCO2 |
New to scopes? Read Scope 1, 2 and 3 emissions explained and market-based vs location-based Scope 2.
📈 Emissions by Report Period
| Report period | Headline emissions figure reported |
|---|---|
| 2023 | 4.7M teqCO2 (Scopes 1 2 and 3 location-based) |
| 2021 | 4.0M tCO2eq (Scope 1 & 2 77% coverage) |
| 2020 | 8.8K teqCO2 |
| 2019 | 34.3 kteqCO2 |
| 2016 | 17.7K tCO2e (Scope 3 excluding financial assets) |
Each row is the headline figure extracted from a different report; scope coverage and methodology can change between years.
✅ Reported Environmental Achievements
- €27.2 billion invested in green investments by the end of 2023 (target €30 billion by end 2025)
- 56% reduction in the carbon footprint of the investment portfolio between 2019 and 2023
- 52% reduction in the carbon footprint of internal operations between 2019 and 2023
- 69% of directly held forestry assets in France measured for biodiversity by end-2023 (target 100% by end 2025)
- 2.1% of directly held woodland in France devoted to older growth and natural growth by end-2023 (target 3% by end 2025)
🎯 Climate & Sustainability Targets
🔜 Short-term
- Reduce carbon footprint of internal operations by 50% between 2019 and 2030.
- Achieve an end-to-end Customer Effort Score of less than 2/5 by the end of 2025.
- Maintain a Net Promoter Score from distribution partners of at least 20 by the end of 2025.
- Raise the proportion of purchases from inclusive enterprises to at least 30% by the end of 2025.
- Mobilise at least 20% of employees to participate in actions with a societal impact during their working hours by the end of 2025.
📅 Medium-term
- Reduce the carbon footprint of the directly held equity, corporate bond and infrastructure portfolio by 53% between 2019 and 2029.
- Achieve carbon neutrality in the investment portfolio by 2050.
- Measure the biodiversity of 100% of directly held forestry assets by the end of 2025.
🔭 Long-term
- Achieve carbon neutrality in the investment portfolio by 2050.
🌱 ESG Focus Areas
Climate ChangeBiodiversityGender EqualityCustomer SatisfactionResponsible InvestmentSocial ImpactGovernance