OUR RESOURCES 

 OUR DNA

A mutualist and cooperative group at the service of everyone.

OUR TALENTS

142,000 employees of Crédit Agricole Group

OUR GOVERNANCE

A solid majority shareholder ensuring a long-term commitment.

OUR GEOGRAPHIC FOOTPRINT 

In France:

• 39 Regional Banks, LCL and BforBank
• 8,400 Retail banking branches

Abroad:

• 47 countries
• 52% of Crédit Agricole S.A. employees

OUR TECHNOLOGICAL CAPITAL

A single centre of IT expertise  serving all of the Group’s business lines.

OUR CAPITAL 

Shareholder’s Equity Group Share:

• Group: €115.0bn
• Crédit Agricole S.A.: €62.9bn 

OUR MULTI- PARTNERSHIP MODEL

An organic growth model reinforced by external expertise and distribution partnerships in France and abroad.

OUR BUSINESSES

• SUPPORTING AND ADVISING OUR CUSTOMERS DURING THEIR LIFE MOMENTS
• PROVIDING FINANCING, SAVINGS AND INSURANCE SOLUTIONS
• CRAFTING INVESTMENT SOLUTIONS
• PROPOSING COMPLEMENTARY FINANCIAL SERVICES
  Payment services, real estate, etc.

OUR FOUNDATION THE REGIONAL BANKS

SOLID COMMITMENTS

• Utility  at the service of everyone
• A sound  and diverse range of expertise
• Protecting  our customers’ interests and assets
• Human responsibility at the heart of our model
• Supporting  the economy and social cohesion
• Supporting the transition to other sources of energy

OUR 3 STRATEGIC PILLARS

• Excellence in customer relations
• Empowered teams
• Commitment to society

OUR VALUE CREATION

“Working every day in the interest of our customers and society” is our Raison d’Être.

CUSTOMERS

• #1 provider of financing to the French economy (€650bn loans outstanding in retail banking)
• #1 European asset manager (€1,653bn assets under management)
• #1 insurer in France

SHAREHOLDERS AND INVESTORS

• Crédit Agricole Group revenues: €33.8bn⁽¹⁾
• Crédit Agricole S.A.market capitalisation: €37.2bn
• Crédit Agricole S.A.net income: €4.6bn⁽²⁾
• Payout to shareholders: €2.0bn⁽³⁾

COLLABORATEURS⁽⁴⁾

• ERI survey: 77% participation rate
• 11,101 internal mobilities worldwide
• 6,181 hired on permanent contracts

OUR MULTI-PARTNERSHIP MODEL

• Group purchases: €7.5bn⁽⁵⁾
• Group taxes and social security expenses: €7.1bn⁽⁶⁾

FOR CIVIL SOCIETY AND THE ENVIROMENT 

• World’s leading bookrunner for green bond issues ⁽⁷⁾
• Green financing portfolio: €7.1bn
• Social and solidarity-based impact funds: €256m
• Over 147,000 subscriptions to bottom-of-the-range offers (mainly Eko and LCL Essentiel)

2019 data.

(1) Underlying revenues. 

(2) Underlying net income Group share. 

(3) Distribution planned for the 2019 reporting period-end, cancelled by the Board of Directors on 1 April 2020, following the recommendation of the ECB.

(4) Crédit Agricole S.A. scope. 

(5) External expenses. 

(6) Excl. the impact of Emporiki. 

(7) Source: Bloomberg.