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.

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 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.

PRESENCE IN OVER 70 COUNTRIES
 

With its international organisation in all aspects of banking and finance, Crédit Agricole group is able to serve major clients throughout the world, achieving stellar performances:

  1,900 branches in international retail banking
   50% of consumer finance outstandings outside France
  Leading international factor in terms of volume of import/export business (42% of international factoring)
  No.1 in leasing in Poland
  8 asset management centres worldwide
  Loan insurance in 14 countries
  Private banking in the leading financial markets
  72% of NBI in corporate and investment banking outside France