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    • The origins of the Group and its cooperative foundation
    • The development model
    • A constant culture of accountability, compliance and risk management
    • A solid financial performance
    • Meeting the challenges of tomorrow
    • Climate change, an unprecedented challenge
    • A growing challenge for social equity and access to care
    • Supporting the adaptation of the agricultural and agri-food sectors
    • A natural amplification of our expansion
    • Innovation and acceleration in cross-functional business lines and technological services
    • The key success factors: digital transformation and human responsibility
    • Financial trajectory
  • Working every day in the interest of our customers and society
    Read our Raison d'Être
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Working every day
every day

in the interest
of our customers
and society

Discover our Raison d'Être

Our headings

Crédit Agricole Group
and its model
  • 01
    The origins of the Group and its cooperative foundation
  • 02
    The development model
  • 03
    A constant culture of accountability, compliance and risk management
  • 04
    A solid financial performance
Crédit Agricole Group and its model

Supporting long-term
transitions
  • 01
    Meeting the challenges of tomorrow
  • 02
    Climate change, an unprecedented challenge
  • 03
    A growing challenge for social equity and access to care
  • 04
    Supporting the adaptation of the agricultural and agri-food sectors
Supporting long-term transitions

Crédit Agricole S.A.'s
Ambitions 2025
  • 01
    A natural amplification of our expansion
  • 02
    Innovation and acceleration in cross-functional business lines and technological services
  • 03
    The key success factors: digital transformation and human responsibility
  • 04
    Financial trajectory
Crédit Agricole S.A.'s Ambitions 2025

Crédit Agricole Group and its model

01

Supporting long-term transitions

02

Crédit Agricole S.A.'s Ambitions 2025

03

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Proven relevance when faced with multiple challenges

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While the news at the beginning of 2022 was still dominated by the pace of the economy’s return to normal following the extensive Covid support measures rolled out by governments and central banks, the outbreak of the war in Ukraine in February completely changed everything.

For Crédit Agricole S.A., the first priority was to arrange assistance and support for the 2,200 employees of its subsidiary, CA Ukraine, including their families (see below).

In the ensuing geopolitical environment marked by tensions over commodities and energy, Crédit Agricole was able to adapt to an unprecedented macroeconomic scenario characterised by the return of inflation, rising interest rates, a decline in the equity market and disruption to the foreign exchange market. In late 2022, the Group posted solid results and a strong financial position. With respect to Crédit Agricole S.A., it also recorded a high level of profitability.

Dominique Lefebvre and Philippe Brassac reflect on the strength of the universal customer-focused banking model, which has been successful in a challenging environment, while still maintaining a clear vision of the long-term actions required to build for the future. Staying true to its history and DNA, Crédit Agricole continues to develop with a focus on usefulness to its customers and society, by promoting the convergence of short- and medium-term issues with long-term societal transition-related challenges.

To formalise its development targets and vision, Crédit Agricole S.A. presented its “Ambitions 2025” Medium-Term Plan in June 2022 and specified, in December 2022, its sectoral decarbonisation targets and commitments as part of the “Net Zero” Alliances, with the aim of becoming carbon neutral by 2050.

Crédit Agricole and the war in Ukraine

Since the outbreak of the conflict in Ukraine, Crédit Agricole S.A. has been assisting and supporting Crédit Agricole Ukraine employees:

  • Volunteer Crédit Agricole Ukraine employees and their families were evacuated from Ukraine;
  • Crédit Agricole Bank Polska welcomed Crédit Agricole Ukraine employees and their families who had taken refuge in Poland, offering them accommodation and the possibility of continuing their work remotely;
  • In Paris, the International Retail Banking teams set up an assistance and support unit with a hotline to deal with emergencies and meet the basic needs of Crédit Agricole Ukraine employees and their families;
  • Salaries were maintained and paid in advance for February and March 2022;
  • A collective pay rise and bonus payments were implemented;
  • Medicines and other basic necessities were collected.

The Fédération Nationale du Crédit Agricole and Crédit Agricole S.A. also decided to set up a €10 million emergency solidarity fund to help Ukrainian Group and non-Group employees and their families. This humanitarian effort has been publicised internally, with all employees able to contribute to it.

To support its employees, Crédit Agricole Ukraine has also set up a psychological support platform, special training and webinars to maintain teams’ cohesion and performance as well as their physical and mental health, first aid training with the Red Cross etc.

Since the outbreak of the conflict, all branches (excluding those in the occupied territories) have continued to provide essential banking operations and services to their customers on a daily basis.