Presentation of the Group

Scope of the Group

Crédit Agricole group includes Crédit Agricole S.A. as well as all of the Regional Banks and Local Banks and their subsidiaries.

The share capital of Crédit Agricole S.A. is held as follows: 59.7% by the Regional Banks and 40.3% by the public.

The Regional Banks are organised as outlined below:

  • 11.8 million mutual shareholders hold mutual shares in 2,395 Local Banks
  • The 39 Regional Banks:
    • Jointly hold the majority of Crédit Agricole S.A.’s share capital through SAS Rue La Boétie;
    • Own 100% of SACAM Mutualisation, which for its part owns 25% of the Regional Banks;
    • Have a political link with the Fédération nationale du Crédit Agricole (FNCA).

The float breaks down as follows:

  • Institutional investors: 23.8%
  • Individual shareholders: 9.2%
  • Employee Share Ownership Plans (ESOP): 6.5%
  • Treasury shares: non-significant (0.8%)

Crédit Agricole S.A.’s scope includes all of its specialised entities, organised by business line:

  • In Asset Gathering:
    • Crédit Agricole Assurances
    • Amundi (Asset Management)
    • Indosuez Wealth Management
  • In Retail Banking:
    • LCL
    • Crédit Agricole Italia
    • Crédit Agricole Bank Polska, Ukraine and Egypt
  • In Specialised Financial Services:
    • Crédit Agricole Consumer Finance
    • Crédit Agricole Leasing & Factoring
  • In Large Customers:
    • Crédit Agricole Corporate & Investment Bank
    • CACEIS (Investor Services)
  • In Specialised Activities and Subsidiaries:
    • Crédit Agricole Group Infrastructure Platform
    • Crédit Agricole Capital Investissement & Finance
    • Crédit Agricole Immobilier
    • Crédit Agricole Transitions & Énergies
    • IDIA Capital Investissement
    • Crédit Agricole Payment Services
    • BforBank
    • Uni-médias

1 The Regional Bank of Corsica, 99.9% owned by Crédit Agricole S.A., is a shareholder of SACAM Mutualisation.
2 The Fédération nationale du Crédit Agricole (FNCA) acts as a think-tank, a mouthpiece and a representative body for the Regional Banks vis-à-vis their stakeholders.
3 Non-Significant: 0.8% treasury shares, including buy-backs in 2023 that will be cancelled in 2024.
4 Excluding information made to the market by SAS Rue La Boétie in August 2023, regarding its intention to purchase by the end of the first half of 2024 Crédit Agricole S.A. shares on the market for a maximum amount of €1 billion.