BKMS System
Crédit Agricole S.A.
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Welcome to the Crédit Agricole Group’s whistleblowing system,

In order to demonstrate its commitment and to prove the quality of its unethical, illegal and criminal practices prevention programme, the Crédit Agricole Group would like to assist all the employees of the company, external collaborators or suppliers wishing to exercise their right of whistleblowing in order to protect the Group’s interests.

These persons who cannot declare potential facts through the process of reporting a malfunction (for example, if the manager is involved) can now exercise their right of whistleblowing. The whistleblowing right must be exercised disinterestedly and in good faith.

This system guarantees you a strict confidentiality environment, allowing you to expose the facts and communicate with the referent person/examiner in charge of processing your alert (via a secured postbox) while protecting your identity.

Thank you for your cooperation.

If you would like to send your first report, please click here:
If you have already set up a postbox, you may login here:
  • Who can submit a report?

    The entire staff members of the Group, the external and the occasional employees, the suppliers and subcontractors with whom the Group has established commercial relations can submit a report through this whistleblowing system.

  • What sort of report can I submit through this system?

    The following events may be reported:

    • Any crime or a felony;
    • Any serious and obvious violation of an international commitment;
    • Any serious and obvious violation of an unilateral act of an international organisation taken on the basis of a duly signed international commitment;
    • Any serious and obvious violation of a law or a regulation;
    • Any threat or serious damage to the public interest;
    • Any behaviour or situation that violates the Group’s anti-corruption code of conduct;
    • Any serious violation of human rights and fundamental freedoms, the health and the safety of the persons or the environment, caused by the activities of the Group as well as the activities of the subcontractors or the suppliers with whom an established commercial relationship has been maintained and where such activities are linked to this relationship.
  • Why should I submit a report?

    By submitting a report, you demonstrate your commitment to Credit Agricole Group’s business conduct and integrity standards and you help ensure that the enterprise operates in accordance with its ethical values and complies with the various rules and regulations. You contribute also to your protection as well as the protection of Crédit Agricole Group’s image and reputation by reducing the risk of financial loss.

  • What is the process for submitting a report?

    To submit a report, please start by clicking the ”Submit report“ button located on the top left side of our introduction page.

    There are 4 steps to the report process:

    1. First, you will be asked to read some information regarding the protection of your anonymity and to answer a security question.
    2. On the next page, you will be asked about the category of your report.
    3. On the report page, you can elaborate your report in your own words and answer questions about the incident by simply selecting the corresponding answers. You can type up to 4,096 characters into the free text field, which equals a full A4 page. You may also submit a file of up to 5 MB to support your report. Please do keep in mind that documents can contain information about the author. After sending your report, you will receive a reference number as confirmation that you have submitted your report.
    4. Please subsequently set up your own secured postbox. This postbox will allow you to communicate with the person in charge of processing your report and to receive information about the progress of your report.
  • What protection options do I have upon submitting a report?

    When submitting your report, you can choose to disclose your name or remain anonymous if you prefer. In order to facilitate the handling of your report we encourage you to give your name when submitting your report. Please rest assured that we will treat all reports with strict confidentiality.

    If you wish to remain anonymous, this application (BKMS® System) will protect your anonymity through encryption and other specialised security measures. Personal data and information entered into this whistleblowing system are stored encrypted in a in a high-security data centre and access is restricted to a very small selection of expressly authorised persons of the Group.

    It is possible to set up a postbox that is secured with an individually chosen pseudonym/user name and password. Via this secured postbox, the responsible examiner at the Group will provide you with feedback on what is happening with your information or pose questions if details still need to be clarified – you will also remain anonymous during this dialogue.

    This system only stores data inside the reporting system, which makes it particularly secure. It is not a form of regular e-mail communication.