CRÉDIT AGRICOLE, A LEADING GROUP

With the Regional banks of Crédit Agricole, the LCL network, the international retail banks and the specialist subsidiaries for each business line, Crédit Agricole group is present across the entire spectrum of banking and finance. Crédit Agricole is the N°1 banking group in France with 28% of the consumer market and the N°1 banking group in Europe for the number of current accounts held by retail clients and retail banking earnings.
Crédit Agricole ranks n°4 banking group worldwide in terms of shareholders’equity.
 

UNIFIED AND DECENTRALISED

The Group is careful to protect the cultural specificities of each its entities, while also capitalising on its strengths as a market leader in France and Europe, within the framework of its enlarged  scope of  activities.
In France, the 2,573 Local banks form the basis of the Group's mutual organisation and play a key role in firmly establishing a local presence and a close relationship with clients.
Reflecting Crédit Agricole's desire to open up to the market while confirming its mutualist identity, Crédit Agricole S.A. has been listed on the stock exchange since December 2001 and is currently owned 54.7% by the Regional banks and 45.3% by the public.

An enlarged scope of business

RETAIL BANKS
31 million clients, 11,000 branches and 3 domestic markets (France, Italy and Greece)

» The Regional banks of Crédit Agricole

The Regional banks are cooperative and banking establishments offering a full range of financial products and services to their clients, retail, farmers, professionals, companies and local authorities.
·  20 million customers
· 39 Regional banks
·   7,160 branches and 7,500 in-store cash points with a 24% share of households’ deposits s and 22% of loans

»  LCL

In France, LCL is the only bank with a national network dedicated exclusively to retail banking for retail, professional and corporate clients.
·  6 million customers
· 1,970 branches including 50% in towns with over 200,000 inhabitants
 

»  International Retail Banking

Crédit Agricole has operations in 20 countries: Italy, Greece, Albania, Bulgaria, Cameroon, Cyprus, Congo, Côte d'Ivoire, Djibouti, Egypt, Gabon, Madagascar, Morocco, Poland, Portugal, Romania, Senegal, Serbia, Ukraine and Uruguay. 
The Regional banks have majority control in Belgium, Spain and Switzerland
· 4.7 million Customers
· 1,900 branches
 

SPECIALISED BUSINESS LINES

» Specialised financial services

Present in 19 countries in Europe and Morocco, this business line covers consumer credit (Sofinco and Finaref, Lukas in Poland, etc.), leasing (Crédit Agricole Leasing and EFL) and factoring (Eurofactor).
· 15 million Consumer finance customers in France
· €49.5 billion Consumer finance outstandings
·  €12.7 billion  Lease outstandings
· €35 billion  Factored receivables
 

» Asset management, insurance and private banking

This business line consists of activities related to asset management (Crédit Agricole Asset Management and its subsidiaries as well as BFT), life and property/casualty insurance (Crédit Agricole Assurances with Pacifica and Predica) and private banking (Crédit Agricole Private Bank).
· €637 billion  under management (asset management, insurance and private banking)
·  N°1 in asset management and a top-10 player in Europe
·  France’s second-largest insurer
 

CORPORATE AND INVESTMENT BANKING

With 13,000 staff across 55 countries, Calyon specialises in capital markets, investment banking and financing.