Our business model at the service of sustainable value creation

WORKING EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY

Our resources

Our DNA

Our DNA

Mutualist and cooperative Group serving all.

Our talents

Our talents

142,000 Crédit Agricole Group employees.

Our governance

Our governance

Solid majority shareholder ensuring long-term commitment.

Our geographic footprint

Our geographic footprint

In France :

  • 39 Regional Banks, LCL and BforBank
  • 8,200 retail banking branches

Abroad :

  • 48 countries
  • 52% of Crédit Agricole S.A. employees
Our capital

Our capital

Shareholders’ equity Group share:

  • Group : €119.6bn
  • Crédit Agricole S.A. : €65.2bn
Our technological capital

Our technological capital

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

Our multi-partnership model

Our multi-partnership model

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

Our activities

Supporting and advising our clients

Supporting and advising our customers during their key life moments

Elaborating investment solutions

Elaborating investment solutions

Complementary financial services

Proposing complementary financial services, payment services, real estate, etc.

Financing, savings and insurance solutions

Providing financing, savings and insurance solutions

Our foundation the regional banks

Solid commitments

Utility

at the service of everyone

Human responsibility

at the heart of our model

Sound

and diverse range of expertise

Supporting

the economy and social cohesion

Protecting

our customers’ interests and assets

Supporting

the transition to other sources of energy

Our 3 strategic pillars

Excellence in customer relations

Empowered teams

Commitment to society

Our value creation

Customers

  • 1st provider of financing to the French economy (€707bn loans outstanding in retail banking)
  • 1st t European asset manager (€1,729bn assets under management)
  • 1st insurer 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.