Logo/CA/Couleur Integrated report 2021-2022

THE DEVELOPMENT MODEL Diversified business lines serving the global relationship

We want to be the trusted partner of all our customers. We address all of their financial and wealth management needs: financing, asset gathering, insurance, payment instruments, real estate, mobility, health, international support

Retail banking
Regional Banks

The 39 Regional Banks, cooperative companies and fully-fledged banks, supporting the projects of their customers: individuals, wealth customers, farmers, corporates, public sector and social economy players.


25.1 million customers, of which 21 million individual customers;

11.2 million mutual shareholders;

23.9% market share of household credit



LCL is the only domestic network bank in France to focus exclusively on retail banking and insurance. Its offer covers all markets: individual customers, small businesses, private and corporate banking.


Loans outstanding: €151bn (including €92bn in home loans)

Total customer assets: €233bn

≈ 6.1 million individual customers



Crédit Agricole’s international retail banking branches are mainly located in Europe (Italy, Poland, Serbia, Ukraine) and in selected countries of the Mediterranean basin (Morocco, Egypt) where they serve all types of customers (individual customers, small businesses, corporates – from SMEs to multinationals), in collaboration with the Group’s specialised business lines and activities.


Loans outstanding: €72.2bn

On-balance sheet deposits: €78.2bn

5.9 million customers

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Asset gathering and insurance

As France’s biggest insurer(1), Crédit Agricole Assurances pays careful attention to all its customers in order to meet everyone’s needs: individuals, small businesses, corporates, farmers.

The Group aims to be useful and efficient, from the design of offers and services to the handling of claims.


Revenue: €36.5bn

Savings/retirement assets under management: €323bn

Number of property and casualty insurance policies: 15.2 million



Amundi is the leading European asset manager in terms of assets under management, and is ranked in the top 10 worldwide(2).

The Group manages €2,064 billion(3) in assets and has six main management venues (Boston, Dublin, London, Milan, Paris and Tokyo).


Assets under management: €2,064bn

No. 1 European asset manager

Presence in more than: 35 countries



Indosuez Wealth Management comprises Crédit Agricole Group’s wealth management activities in Europe, the Middle East and Asia-Pacific. Renowned for the breadth of its offering and its international reach on a human scale, it operates in 10 territories around the world.


Assets under management: €135bn

Employees: 2,955

Presence in 10 territories


(1) Source: L’Argus de l’assurance, 17 December 2021 (data as at end-2020).

(2) Source: IPE Top 500 asset managers published in June 2021 based on assets under management as at December 2020.

(3) Amundi data including Lyxor as at 31/12/2021.

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Large customers

Crédit Agricole Corporate and Investment Bank operates at the service of large corporates and financing activities thanks to a powerful network in the main countries of Europe, the Americas, Asia-Pacific and the Middle East.


Third-largest bookrunner in syndicated loans for the EMEA region (source: Refinitiv)

$46bn in arrangements for green, social and sustainable bonds (top 5 worldwide, source:


More than 30 markets covered


Maintenance of leadership positions:

No. 1 in syndicated loans in France(1)

No. 5 in All Bonds in EUR Worldwide(2)

No. 8 in All Corporate Bonds in EUR Worldwide(3)



CACEIS, a banking group specialised in the after-market, supports asset management firms, insurance companies, pension funds, private equity funds, real estate funds, infrastructure and private debt funds, banks, brokers and corporates, with services ranging from order execution to custody account keeping.


Assets under custody: €4,581bn

Assets under administration: €2,405bn

Assets under depositary: €1,798bn


(1) Source: Refinitiv R17

(2) Source: Refinitiv N1

(3) Source: Refinitiv N8

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Specialised financial services

A major player in consumer finance in Europe, Crédit Agricole Consumer Finance offers its customers and partners flexible and responsible financing solutions suited to their needs. It makes digital a strategic priority, notably by investing to build, with customers, the credit experience that meets their expectations and new modes of consumption.


CA CF also intends to capitalise on its expertise in vehicle financing and long-term leasing (LTL) to offer its customers more mobility solutions from 2023, notably through the LTL partnership with Stellantis announced in December 2021.


Managed loans: €93bn

Of which €22.4bn on behalf of Crédit Agricole Group

Presence in 19 countries



Crédit Agricole Leasing & Factoring (CAL&F) provides solutions for corporates of all sizes for their investment plans and the management of their trade receivables, through its offering of lease financing and factoring services in France and Europe. CAL&F is also one of France’s leading providers of financing for energies and regions.


1 out of 3 mid-caps funded by CAL&F in France

Managed loans: €25.5bn

No. 1 private funder of renewable energy sources in France (€2.6bn)

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Crédit Agricole payment services

  • French leader in payment solutions with a 30% market share
  • 12 billion payment transactions processed in 2021
  • 22.7 million bank cards

Crédit Agricole Immobilier (real estate)

  • €1 billion in annual receipts
  • 3 million m2 managed at year-end 2021
  • 2,157 housing units sold

Crédit Agricole Capital Investissement & finance (IDIA CI, SODICA CF)

  • IDIA Capital Investissement: €1.9 billion in assets under management – approximately 100 corporates supported with Group investments
  • SODICA CF: 40 merger-acquisition transactions (small-mid-caps) in collaboration with Group networks in 2021


  • 14 publications, a majority of which are leaders in their market segment with nearly 2 million subscribers
  • 32 million in total audiences
  • 8 million readers
  • 22 million monthly visits
  • 31 million pages viewed monthly

Crédit Agricole Group Infrastructure Platform (CAGIP)

  • 1,700 employees at 17 sites in France
  • 200,000 work stations/platforms connecting 120,000 remote workers within the Group
  • Power usage effectiveness (PUE) of the Chartres data centre: 1.351 (decreasing since 2019; benchmark from the Uptime Institute is a PUE of 1.67).
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