Integrated Report 2020-2021

3. Creating added value

OUR ACTIVITIES

SUPPORTING AND ADVISING OUR CUSTOMERS DURING THEIR KEY LIFE MOMENTS
ELABORATING INVESTMENTSOLUTIONS
PROPOSING COMPLEMENTARY FINANCIAL SERVICES, PAYMENT SERVICES, REAL ESTATE, ETC.
PROVIDING FINANCING, SAVINGS AND INSURANCE SOLUTIONS

OUR FOUNDATION

THE REGIONAL BANKS

SOLID COMMITMENTS

Utility at the service of everyone

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 CREATIONS

CUSTOMERS
  • 1st provider of financing to the French economy (€707bn loans outstanding in retail banking)
  • 1st European asset manager (€1,729bn assets under management)
  • 1stinsurer in France
SHAREHOLDERS AND INVESTORS
  • Crédit Agricole Group revenues: €34bn(1)
  • Crédit Agricole S.A. market capitalisation: €30.1bn
  • Crédit Agricole S.A. net income: €3.8bn(2)
  • €0.80/share distributed to shareholders, with a scrip dividend option (3)
EMPLOYEES
  • 80%(4) participation rate in the Engagement and Recommendation Index (ERI)
  • 5,383(4) hired on permanent contracts
  • Capital increase reserved for employees with an exceptional 30% discount
PUBLIC AUTHORITIES AND PARTNERS
  • Group procurement: €7.6bn(5)
  • Group taxes and social security expenses: €6.8bn
CIVIL SOCIETY AND THE ENVIRONMENT
  • €355.9bn of outstanding ESG multi-criteria solutions(6)
  • +57% outstanding green loans portfolio for €11.4bn
  • Patronage: almost €34.4m for local and regional initiatives
  • Almost 192,000 subscriptions to EKO and LCL Essentiel (entry-level offers)(7)

2020 data.

(1) Underlying revenues.

(2) Underlying net income Group share.

(3) Subject to the approval of the General Meeting of 12 May 2021.

(4) Crédit Agricole S.A. scope.

(5) External expenses.

(6) Assets under management invested by Amundi in funds with an “ESG integration” investment process.

(7) Cumulative data at end-2020.