Crédit Agricole

What Crédit Agricole does

Crédit Agricole S.A. is the listed central body (Euronext Paris: ACA) of a French mutual/cooperative banking group that originated in 1885 and operates today across 46 countries, serving 55 million customers and 12.3 million mutual shareholders through 39 regional Caisses, the LCL urban retail network in France, approximately 1,600 points of sale in Italy, and seven subsidiaries in Germany. The Group runs a universal banking model spanning retail banking, corporate and investment banking (Crédit Agricole CIB), asset management (Amundi, which manages close to €2.4 trillion of assets), insurance (Crédit Agricole Assurances), wealth management (Crédit Agricole Indosuez), consumer finance and mobility (Sofinco, Agos, CA Auto Bank), payment services, leasing and factoring, and real estate.

The Group generates revenue through net interest income, transaction fees, asset management fees, insurance premiums, and specialized financing fees; FY2025 revenues of €28.08 billion were up 3.3% year-on-year. Distribution is hybrid: physical branch networks (regional Caisses, LCL, Italian network, 137 outlets in Ukraine), self-serve digital channels (Ma Banque app, Eko free account, Paiement Mobile NFC app, Crédit Agricole Savings in Germany), and direct enterprise sales via Crédit Agricole CIB and Indosuez Corporate Advisory.

Crédit Agricole's core technology infrastructure is undergoing a multi-year transformation under the ACT 2028 medium-term plan (announced November 2025), with nearly €500 million committed to AI deployment across 2026-2028. The Group has established a dedicated 'AI company' coordinated by CA-GIP to industrialize AI platforms, developed the proprietary BankGPT language model with FairMind, and launched the AI For All transformation programme covering 145,000 employees. Notable platforms and product launches include tokenised money market fund shares with Ant International (via the Whale blockchain), the Paiement Mobile NFC app bypassing Apple Pay, BankGPT, Indosuez Corporate Advisory (a 50/50 joint structure combining CIB and wealth management advisory teams), and a €30 million strategic investment in Worldline alongside BNP Paribas and Bpifrance.

Name

Crédit Agricole

Legal name

Crédit Agricole S.A.

Website

http://www.credit-agricole.com

Company type

Public

Founded year

1894

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Crédit Agricole S.A. is the listed central body of a French cooperative banking group serving 55 million customers across 46 countries through retail, corporate and investment banking, asset management (Amundi), insurance, and wealth management.

Ownership category

akta.pro rank

Product category

Universal Banking

NAICS

Depository Credit Intermediation (5221), Credit Card Issuing (52221), Sales Financing (522220)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Credit Cards & Revolving Credit (FSABAAAC)

akta.pro secondary industries

Wealth Lending & Margin / Securities-Backed Lines (Retail) (FSAAAAAN), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Specialty Finance / Structured Credit (FSANADAE), Consumer & Retail (CPG, Food, Apparel) (FSABACAM)

Keywords

• Retail banking services
• Corporate investment banking
• Asset management
• Wealth management
• Consumer credit insurance

Headquarters

HQ city

Montrouge

HQ country

France

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Diversified universal banking: France-based banking group operates a diversified universal banking model combining retail banking, corporate and investment banking through Crédit Agricole CIB, asset management through Amundi, and insurance operations.
2. Net interest income: Targets net interest income of around €2,300 million by 2028, with growth driven by volume expansion, customer mix changes, and liability revaluation.
3. Fees income: Targets fees income of approximately €2,300 million by 2028, alongside net interest income, with growth driven by volume expansion, customer mix changes, and liability revaluation.
4. Asset management fees (Amundi): Amundi reported €32 billion in quarterly inflows in Q1 2026, with adjusted pretax profit up 13% year-on-year to €510 million. Manages close to €2.4 trillion of assets.
5. Green and sustainable bond underwriting fees: Crédit Agricole was among the top green bond underwriters globally in 2025, with the bank being one of the leaders in green financing fee generation.
6. Investment banking revenue: Corporate and investment banking division generates revenue from fixed income, structured equity, M&A, equity capital markets, and financing activities. Q1 2026 saw a 27% gain in structured equity, M&A, and equity capital markets, while fixed income revenue declined 9%.
7. Banco BPM equity-method consolidation contribution: Banco BPM is expected to generate approximately €100 million in recurring quarterly contributions from 2026, implying an annual benefit of around €400 million.
8. SAF project financing advisory and lending: Project financing for sustainable aviation fuel production, including the SkyNRG DSL-01 plant producing 100,000 tonnes of SAF annually plus 35,000 tonnes of sustainable by-products, with KLM as primary off-taker.

Pricing tiers

Go-to-market motion6 records

Distribution channels9 records

Marketing channels11 records

Core offering

Crédit Agricole is a universal banking group providing day-to-day retail banking (current and savings accounts, home loans, consumer credit), corporate and investment banking through Crédit Agricole CIB, asset management through Amundi (€2.4 trillion AUM), insurance through Crédit Agricole Assurances, wealth management through CA Indosuez, and specialised financing (leasing, factoring, payment services). Its products are distributed to 55 million retail customers, 12.3 million mutual shareholders, SMEs, mid-caps, large corporates, institutional clients and high net worth individuals across 46 countries.

Differentiator

Problem solved

Functional benefit

Brands

• Amundi: European asset manager (manages close to €2.4 trillion of assets, listed on stock exchange)
• LCL
• Crédit Agricole CIB
• Crédit Agricole Assurances
• Crédit Agricole Indosuez Wealth Management
• CACEIS
• Crédit Agricole Personal Finance & Mobility
• Crédit Agricole Leasing & Factoring
• Crédit Agricole Payment Services
• Crédit Agricole Immobilier
• Crédit Agricole Santé & Territoires
• Crédit Agricole Transitions & Energies
• Crédit Agricole GIP
• BforBank
• Uni-Médias
• IDIA Capital Investissement
• La Fabrique by CA
• Sofinco
• Fondation Grameen Crédit Agricole
• Indosuez Corporate Advisory
• Crédit Agricole Savings
• Crédit Agricole Italia
• Crédit Agricole Bank Polska
• Crédit Agricole Egypt
• Crédit Agricole Ukraine
• Sodica Corporate Finance
• Pro by CA
• Ma Banque
• Paiement Mobile

Products and services

• Retail Banking Services (39 Regional Caisses + LCL) Day-to-day retail banking services (current and savings accounts, home loans, consumer credit, payment cards, insurance distribution) delivered through 39 regional Caisses and the LCL urban network in France, serving 55 million customers.
• Eko free personal banking account Free-of-charge personal banking account offering entry-level retail banking services, accessible via mobile and through regional Caisses, positioned against online-only neobanks.
• Paiement Mobile (NFC contactless payment app) Mobile NFC contactless in-store payment application for eligible Crédit Agricole cardholders on Android devices, providing Apple Pay alternative payments via smartphone.
• Crédit Agricole Savings (Germany) Digital savings platform offering seven products (Tagesgeld Flex, Tagesgeld Plus, Tagesgeld Ziel, Festgeld Wachstum, Festgeld langfristig, Festgeld kurzfristig, Festgeld ausschüttend) ranging from flexible overnight deposits to long-term fixed-term deposits for German retail savers.
• Pro by CA Dedicated banking offer for self-employed professionals, craftsmen, merchants, and liberal professions, providing tailored banking, financing and advisory services within the French market.
• Corporate and Investment Banking (Crédit Agricole CIB) Corporate and investment banking services for large corporates, financial institutions and institutional clients globally, including capital markets (DCM, ECM, structured equity, fixed income), M&A advisory, project finance (third-largest European player), sustainable financing, trade finance and CLS Cross Currency Swaps settlement.
• Asset Management (Amundi) Active and passive investment management in listed and private assets, including the new tokenised Amundi Money Market Fund share classes via CACEIS on Ant International's Whale blockchain; close to €2.4 trillion AUM as of 31/03/2026 across 34 countries with 5,400 professionals.
• Wealth Management (Crédit Agricole Indosuez Wealth Management) Bespoke wealth management and fiduciary services for high net worth individuals, including the Indosuez Corporate Advisory offering jointly created with Crédit Agricole CIB for SMEs, mid-caps and executive shareholders.
• Insurance (Crédit Agricole Assurances) Life, property-and-casualty, creditor and personal protection insurance products (CA Vita, CA Assicurazioni, CA Creditor Insurance, PiùVera Assicurazioni, PiùVera Protezione) distributed through the group's banking networks.
• Consumer Finance and Mobility (Sofinco, Agos, CA Auto Bank) Consumer credit, auto financing and mobility solutions through Sofinco, Agos and CA Auto Bank, including the "Infiniment Client" 2025-2028 strategic plan (Sofinco 75th anniversary).
• Leasing and Factoring (Crédit Agricole Leasing & Factoring) Specialised financing solutions including equipment leasing and receivables factoring for corporate and professional clients across the group's markets.
• Payment Services (Crédit Agricole Payment Services) Card issuing, acquiring and payment processing activities operated as a dedicated subsidiary of the group.
• Real Estate Services (Crédit Agricole Immobilier) Real estate advisory and transaction services provided to the group's retail and professional customers.
• Indosuez Corporate Advisory M&A advisory, financing and capital market support for SMEs, mid-caps and executive shareholders in France, delivered through 80+ specialists and led by CEO Cyril Kammoun.

Quantifiable outcome

• World's 10th largest bank (The Banker 2025)
• +10 more outcomes

Named customers33 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability8 records

Feature7 records

Partnerships

19 partnerships are on record, tiered core, flagship and minor.

• Banco de Crédito Social Cooperativo (Cajamar)coreStrategic or Co-development Partner · 24 June 2026French bank Crédit Agricole has reached an agreement with Banco de Crédito Social Cooperativo, the parent entity of the Cajamar group, to establish a business collaboration and acquire a 9.9% minority stake in the cooperative lender. The investment represents a strategic partnership between one of France's largest banking groups and Spain's leading cooperative banking institution.
• Deutsche Bank, Rothschild (financial advisors)flagshipImplementation/ SI/ Consulting Partner · 18 June 2026Credit Agricole has hired Deutsche Bank and Rothschild as financial advisors to explore a potential increased stake in Banco BPM, potentially reaching 29.9% or up to 35% in a merger scenario with Credit Agricole Italia.
• Global Infrastructure Partners (Atlas Renewable Energy sponsor)coreStrategic or Co-development Partner · 17 June 2026Global Infrastructure Partners is the sponsor backing the $3 billion Atlas Renewable Energy refinancing across Chile, Brazil, and Mexico, with seven international financial institutions including BNP Paribas, Crédit Agricole, Goldman Sachs, Morgan Stanley, MUFG Bank, Natixis CIB, and Santander CIB.
• BNP Paribas, Societe Generale, BBVA, ING Groep, Deutsche Bank, Standard Chartered (Iran war impact provisions)coreOthers · 30 April 2026European banks have collectively set aside approximately €610 million ($710 million) in provisions during Q1 2026 to brace for potential economic impact from the Iran war, with BNP Paribas, Societe Generale, Standard Chartered, BBVA, Credit Agricole, Deutsche Bank, and ING Groep disclosing these war-related charges.
• ISG (Information Services Group) AI Impact Summit 2025minorGTM or Marketing Partner · 16 April 2026Crédit Agricole was among 30+ European enterprises including Airbus, Dassault Systèmes, L'Oréal, Schneider Electric, Thales, BNP Paribas and others at the ISG AI Impact Summit in Paris on December 8-9, 2025, discussing AI adoption, data governance, and compliance with GDPR and the EU AI Act.
• Foundation Break Poverty (mentoring partnership)minorGTM or Marketing Partner · 16 April 2026Crédit Agricole S.A., Crédit Agricole Assurances and the Fondation Crédit Agricole Solidarité et Développement - and the Break Poverty foundation announced a partnership to accelerate the development of mentoring in favor of young people entrusted to child protection, through the Alliance Mentorat ASE program.
• Fondation Grameen Crédit AgricolecoreOthers · 16 April 2026Fondation Grameen Crédit Agricole is a Group entity supporting microfinance and social entrepreneurship initiatives globally.
• Ipedis (accessibility audit)minorImplementation/ SI/ Consulting Partner · 16 April 2026Crédit Agricole S.A. has engaged Ipedis to perform the conformity audit of its corporate website, with results showing 70.77% of RGAA 4.1 AA criteria are respected.
• Babel, SQLI, SMILE (website design)minorImplementation/ SI/ Consulting Partner · 16 April 2026Crédit Agricole's website conception, creation and realization are attributed to Babel, SQLI, and SMILE. The site is hosted by PROGICA S.A.S. (12 place des Etats-Unis, 92120 Montrouge).
• Federal Reserve Board (regulatory action termination)minorOthers · 9 April 2026The Federal Reserve Board announced the termination of three Cease and Desist Orders against Crédit Agricole S.A., Crédit Agricole Corporate and Investment Bank, Mega International Commercial Bank Co., Ltd., and The Goldman Sachs Group, Inc., all effective March 25, 2026. The original enforcement actions were dated between October 2015 and May 2018.
• CLS (Cross Currency Swaps service)coreTechnology or Integration · 31 March 2026BNP Paribas, Crédit Agricole CIB, and Natixis CIB have implemented CLS's Cross Currency Swaps service to improve risk management and operational efficiency in FX transactions. The service's growth in 2025 has contributed to reducing settlement risks and optimizing liquidity for participating institutions.
• Team Vitality (esports sponsorship)minorGTM or Marketing Partner · 17 March 2026Team Vitality, a French esports organization, reported a record-breaking 2025 with major partnership renewals and collaborations with global brands across technology, retail, and banking sectors, including Crédit Agricole.
• Bank Lviv (Ukraine)coreStrategic or Co-development Partner · 12 March 2026Crédit Agricole Ukraine signed an agreement to acquire up to 100 percent of Bank Lviv, an SME-focused Ukrainian bank headquartered in Lviv, in a deal aimed at strengthening Crédit Agricole's presence in Western Ukraine and expanding its SME banking and agricultural financing activities. The transaction requires approval from the National Bank of Ukraine and the Antimonopoly Committee of Ukraine, with completion expected by mid-2026.
• European Central Bank (regulatory fine)minorOthers · 13 February 2026European Central Bank fined French lender Crédit Agricole 7.55 million euros for non-compliance related to climate and environmental risk management, with the bank failing to meet the ECB's materiality assessment requirement for 75 days in 2024. Credit Agricole expressed disagreement with the decision.
• FairMind (BankGPT)coreStrategic or Co-development Partner · 5 February 2026FairMind, an Italian AI start-up, has developed BankGPT, the first small language model specialized for the banking sector, trained on regulatory standards and financial industry terminology, in partnership with Crédit Agricole Group Solutions. The project is funded by the European Union through the EuroHPC Joint Undertaking programme.
• Indosuez Wealth Management (joint creation of Indosuez Corporate Advisory)flagshipStrategic or Co-development Partner · 12 January 2026Indosuez Wealth Management and Crédit Agricole CIB jointly created Indosuez Corporate Advisory, equally owned by both, bringing together more than 80 specialists in M&A advisory, financing, capital market support for SMEs, mid-caps and executive shareholders in France. CEO appointed: Cyril Kammoun.
• European Central Bank (regulatory approval)flagshipOthers · 11 January 2026ECB poised to give conditional approval to Credit Agricole's plan to increase its stake in Italian lender Banco BPM from just above 20% to up to 29.9%, with conditions focused on governance, including limiting Credit Agricole's representatives on Banco BPM's board to seven members.
• Ant InternationalflagshipStrategic or Co-development Partner · 19 December 2025Tripartite collaboration with Amundi, CACEIS, and Ant International to develop tokenised share classes for the Amundi Money Market Fund – Short Term, denominated in euro and US dollars. The tokenised share classes were developed for Ant International following a Memorandum of Understanding signed in November 2024. The parties are now exploring deployment on Whale, Ant International's internal blockchain-based treasury management platform.
• Worklife SASflagshipStrategic or Co-development Partner · 28 September 2023Crédit Agricole S.A. acquired Worklife SAS, a move announced in April. This acquisition is part of Crédit Agricole's broader strategic initiatives and financial activities and marks Crédit Agricole's strategic move into the fintech sector.

Scale indicators27 records

Recent moves9 records

Expansion highlights7 records

Direct peers

• BNP Paribas: France's largest universal bank with overlapping retail, corporate & investment banking, asset management, and insurance franchises; directly competes in French retail, European project finance, and global capital markets.
• Société Générale: French universal bank with comparable retail, CIB, and international retail banking footprints; competes head-to-head in France and across European capital markets, including in the green-bond underwriting league table.
• Natixis: French CIB and asset management arm of Groupe BPCE; competes in structured finance, FX/Cross Currency Swaps via CLS, and equity capital markets, often as co-arranger with Crédit Agricole CIB.
• UniCredit: Pan-European universal bank with deep Italian retail and CIB franchise; competes directly in Italian banking and project finance, and is a frequent co-financing partner (Leonardo/Nigeria, Fortore wind, Delfin buyout).
• Intesa Sanpaolo: Italian universal bank and leading domestic player; competes with Crédit Agricole Italia and co-finances renewable energy, green bond, and capital-markets transactions alongside Crédit Agricole.

Broad incumbents

• HSBC Holdings: Global universal bank with overlapping trade finance, project finance, and capital-markets capabilities; competes with Crédit Agricole CIB for large corporates and frequently co-leads green-bond and syndicated-loan transactions.
• Deutsche Bank: European universal bank with strong CIB and asset management; competes in project finance, green bond underwriting, and FX clearing; recently engaged by Crédit Agricole to advise on Banco BPM stake increase.
• Santander: Global retail and commercial bank with strong European and Latin American presence; competes in project finance, syndicated lending, and green bond underwriting and co-leads transactions like the Atlas Renewable Energy refinancing.
• Barclays: UK-headquartered universal bank with investment banking and private credit operations; ranks ahead of Crédit Agricole in European private credit exposure and competes in CIB and capital markets.

Regional players

• Banco BPM: Italian mid-tier bank in which Crédit Agricole holds 20.1% (targeting up to 29.9% or merger); competes with Crédit Agricole Italia in retail and consumer credit and is the subject of Crédit Agricole's Italian consolidation strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

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• Facebookfacebook.com/creditagricoleagirdanslebonsens
• Xx.com/credit_agricole

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries27 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A11 records

Investments181 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Crédit Agricole